News/Insights

TUHF Online Property Management Course

TUHF presented an Online Property Course on the 15th of October 2020. The event was hosted by the CEO of SA Property Investor’s Network, Andrew Walker and presented by a panel of experts.

What was the Course about?

The Property Management Course covered the following

• What have been the important Property Management lessons arising from the COVID-19 pandemic?
• Could Property Management be done differently?  
• How has the management of rental collections changed?
• Selecting and screening tenants- what have been the necessary changes arising out of Covid-19?
• Maintenance of property amidst reducing rental income- how do you prioritize maintenance in such times?
• Should property investors use an external property manager or conduct this service on their own?

Date: 15 October 2020 (past event)
Time: 11h00 to 13h00
Venue: Zoom

Panel of Experts

Henry Chitsulo, Director of Bold Moves, has 25 years of experience in investment banking, real estate and property development. He was previously a Director responsible for BEE funding in the Real Estate Investment Division at Standard Bank and National Manager of Property Equity Investments at ABSA.

David Beattie, is the author of The Expert Landlord book, and the founder of The Expert Landlord website and PocketLet, a mobile app for private landlords. David also founded Chorus Letting, a leading residential property rental agency managing 2000 properties across Cape Town and Johannesburg in South Africa.

Solly Ramalamula, TUHF Client and Managing Director of Take Shape Properties. Take Shape Properties is a company that specialises in managing a number of buildings in the inner city on behalf of other property investors. They also own and manage a number of their own buildings which they have rejuvenated and transformed.

How do you access a copy of the recording? 

Non-TUHF Clients can make a payment of R250. TUHF Clients may access the recording at no cost. 

Send your information to marketing@tuhf.co.za

Once we received your details we will send the Zoom Link to you via email. 

Previously owned by the Bank of Mozambique and abandoned, Cape York had been hijacked and fraudulently sold, with several “owners” allowing it to become severely overcrowded and collecting rent illegally. It was infamous as a hub for drug trafficking and prostitution, lacked running water, power and sanitation and had seen two fires that claimed lives.

From hijacked to hope

Hijacked buildings like this have become all too common in South Africa’s inner cities. These high-rises have not only become dangerous to live in but pose a threat to neighbouring buildings, impacting social safety as a whole.

Cape York, situated in Doornfontein on the corner of Nugget and Rahima Moosa Street, epitomised the negative impact of hijacked buildings on neighbourhoods and society. Originally a 10-storey office building with retail shops on the ground floor, employees who worked in the building started living there in 1997. As the building became more neglected, more people moved in, leading to severe overcrowding.

To compound this issue, the building was fraudulently sold to a group of investors – a discovery the appointed attorneys made during the transfer process. Once this was legally rectified, Samuel Beyin saw potential in the embattled building and bought out the shareholding of the Cape York owned entity.

Despite calls to simply demolish the then-derelict building after a second fire claimed seven lives in 2017, Samuel was determined to realise the building’s potential and transform it into a viable and safe rental property. He renamed the building Focus 1 and invested his own capital before approaching TUHF for a loan. The total cost of the project including refurbishment was close to R100 million.

“Focus 1 represents the very essence of what TUHF aims to achieve by investing in inner-city property refurbishments – seeing and realising the potential in run-down buildings and declining areas to transform them into safe, secure environments for people to live and thrive,” said Nano Makwela, Portfolio Manager at TUHF.

Bringing vision to life

The Focus 1 project took a property entrepreneur with courage and conviction to realise its potential. TUHF was thrilled to partner with Samuel’s passion and drive to help bring his vision to life.

The project presented many design, technical and construction challenges. But Samuel and TUHF focused on the opportunities to collaborate and resolve these creatively. The expected completion date was March 2020 but – because the finished building would provide student accommodation for up to 538 young people – Samuel and his team pushed through over the festive season to achieve practical completion on 28 January, well ahead of programme and in time for the new year.

Makwela said: “Even though Samuel’s previous experience was mainly in commercial property, his entrepreneurial drive to implement creative solutions and an understanding of what students want from accommodation has led to the success of this project. Focus 1 proves that affordable accommodation doesn’t have to feel cramped or meet low-cost standards to be profitable.”

The refurbished building consists of spacious two-bed and four-bed unit apartments as student accommodation offering, and communal study and social areas on the 5^th floor. Each apartment is leased fully furnished, incorporating beds, cupboard and clever additional storage solutions under the beds that may be used to store textbooks and other study paraphernalia, as well as private bathrooms with a toilet and shower, a small kitchenette with a sink and eating area.

The building has full communal kitchens, with microwaves and stoves where students can prepare meals, as well as social areas to allow tenants a safe and comfortable space to interact and relax. Wi-Fi, laundry facilities, an in-house gym, a library, football and basketball fields, state-of-the art biometric access to ensure safety and transport to and from campus complete the list of amenities that make Focus 1 such a sought-after home for students.

The surrounding universities were then invited to view the building in January 2020 and at the time they immediately started referring students to take up tenancy. While tenanting the building was temporarily affected by the impacts of the Coronavirus (COVID-19) pandemic and the national lockdown and physical distancing measures to support containing the spread of the virus, tenancy is expected to pick up once onsite classes and attendance at the surrounding universities is allowed to resume – and toward the 2021 academic year. In addition, the innovative building design is future proofed and constructed in such a way that it allows for fluent conversion. Should the market change, Focus 1 can easily be converted to normal apartments for rental stock should the owner decide.

A bright urban future

Cape York’s past was brutal and terrifying. It once stood as a symbol of the city’s growing urban decay.

“But now, Focus 1 manifests TUHF’s belief that by the action of extraordinary entrepreneurs the future is indeed urban. This project demonstrates TUHF’s unrivalled ability to catalyse growth and urban regeneration not only through funding but, more importantly, through our ability to innovate,” concluded Makwela.

Samuel Beyin is already looking at further opportunities with TUHF and intends to pursue additional projects like this as soon as possible after the COVID-19 pandemic subsides.

Facts

• Location: Corner of Nugget and Rahima Moosa Street, Doornfontein, Johannesburg CBD
• TUHF Product: Property Finance
• Original configuration: Hijacked 10 Storey Building
• Configuration upon completion: 538 BedStudent Accommodation

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We at TUHF just loving Women’s Month this August. We have taken this opportunity chat to some of TUHF’s most influential woman, and gain some insight into their lives on both a professional and personal level by delving into their property insights and preferences.

1. What impact do you think women’s right to vote had on our country?

Women’s right to vote added untold value on all levels to society. Women have great understanding and insight into many of the issues that impact and affect our communities and the country at large.

2. Describe yourself in 3 words?

Excited, Fun, Tenacious

3. What do you enjoy doing in your free time?

Adventure, travel, yoga, art & design, spending time with my friends and family

4. How do you conquer fears?

I face my fears. Fear is worse if not faced head-on.  .

5. In this day and age what is the biggest challenge facing woman in South Africa?

The biggest challenge facing women today is their lack of belief in themselves. Without a women’s confidence in her own abilities, she can only stand for so much. True change and empowerment can only come when the South African woman starts understanding that no one is coming to save her, she needs to wake up, have faith in who she is and become her own superhero!

6. What has been the biggest risk you have ever taken?

Starting a new life with literally nothing but the clothes on my back. I walked away from abuse and in getting where I am today, I had to make a decision to become my own liberator. I slept in train stations, scared and alone, but today I am a much stronger woman than I have ever been.

7. Any advice for women who want to start a Career in this industry?

Go for it. Keep focused on your goal and don’t give into anything that tries to stand in your way.

8. What is your take on property investments?

You need a serious amount of patience as they are one of the most stable asset classes BUT very long term. NEVER SELL the property that you invest in!

9. What would you say is your biggest achievement so far?

Being a mother…..my job and career that I love so much…Being the only person in my family ever to get a degree, managing to feed seven hungry mouths and hopefully making a positive impact in urban life for everyone.

10. What message of inspiration do you have for the women of South Africa?

You are awesome and stronger than you think!!! – JUST DO IT, onwards and upwards!

We at TUHF are celebrating Women’s Month this August. We have taken this opportunity interview some of TUHF’s most influential woman, and gain some insight into their lives on both a professional and personal level by delving into their property insights and preferences.

1. What impact do you think women’s right to vote had on our country?

It gave women a voice – it is our right to be able to contribute and be part of decisions that impact our lives and that of our communities. We must be willing to use the voice that other women before us fought so hard for and give our all to strive for true equality and not be apologetic about it.

2. Describe yourself in 3 words? 

Engaging, energetic, passionate

3. What do you enjoy doing in your free time? 

Spending time with family, travel and reading

4. How do you conquer fears?

I tend to break down the situation into its component parts and rationalise it by looking at how others dealt with similar situations and usually end up saying to myself that if others can do it, I can do it as well.

5. In this day and age what is the biggest challenge facing woman in South Africa? 

The single biggest challenge is Gender Based Violence (GBV) where the ones that women should be trusting most, end up being the ones hurting them. 

6. What has been the biggest risk you have ever taken? 

In 2003 when I was working at Absa in the Business Banking Division, I got the opportunity to join the Commercial Property Finance team as a Consultant. I had no experience in Commercial Property whatsoever and always viewed the industry as one that was male-dominated. Needless to say, it was a massive risk as I was doing well in general business banking at the time. I took the risk and made the most of it. I was supported by a brilliant male mentor who invested time, effort and patience to teach me a lot of the technical aspects in the field and also introduced me into the various networks. I’ve never looked back since. My take-out from this has always been to surround yourself with like-minded individuals, don’t be scared to ask questions and never stop building a strong support network.

7. Any advice for women who want to start a Career in this industry? 

Go for it! Make sure you connect with other like-minded people in the industry and work hard to establish your network.  The worst that can possibly happen is someone saying no. Even then, Be persistent!

8. What is your take on property investments? 

Property is a wealth creation vehicle and should not be used to make short term gains. It can be likened to a seed that eventually grows into a solid tree. It takes time, effort and patience.  Most importantly, you must have an investment strategy and know why you are investing into property. Ultimately, your strategy will guide your behaviour and appetite for risk.

9. What would you say is your biggest achievement so far? 

I’ve always been known for my work ethic. I derive satisfaction from good performance and achievements. My most notable achievement was working as a property finance consultant for 3 of the major banks (Absa, Standard Bank and Investec) and being part of the deal teams that structured some of the most interesting deals in the Commercial Property Finance industry. I gave my all into learning and developing myself in order to do my job well. I read, did research and continuously developed myself by attaining various qualifications, including an Honours Degree in Finance and 2 Masters Degrees.  All this enabled me to do my work remarkably well, as well as preparing me for my long-term career in South Africa’s property industry.

10. What message of inspiration do you have for the woman of South Africa? 

Do not ever sit back and wait to be served at a table. Make sure that you are visible enough (in deeds and/or words) to be acknowledged and respected. And if you do not get acknowledgement and respected, do not hesitate to move along and create your own table. As women, we stand tall on the shoulders of those women who fought hard for our rights and do not be afraid to lean in and lend a hand to another woman. We cannot expect others to empower us, we need to empower ourselves. 

We at TUHF are celebrating Women’s Month this August. We have taken this opportunity interview some of TUHF’s most influential woman, and gain some insight into their lives on both a professional and personal level by delving into their property insights and preferences.

1.          What impact do you think woman’s right to vote had on our country? Women’s right to vote was a significant step in equalising woman’s rights. Given the history of women’s rights to vote in South Africa, it shouldn’t be taken for granted. Having the right to vote has given women the right to have a political voice, which enables women to pursue goals and aspirations that they value and bringing about value, brings about change. The impact of women voting has allowed women to be heard by expressing their views and interests.

2.         Describe yourself in 3 words? Loyal, Pragmatic, Calm

3. What do you enjoy doing in your free time? 

I love spending time with my husband and pursuing my passion for interior design. Making my home beautiful warms my heart by giving me the freedom to express my creativity.

4. How do you conquer fears?

I face them head-on by finding the courage to do so. Strength, courage, and confidence are built up in us when we “look fear in the face”.

5. In this day and age what is the biggest challenge facing woman in South Africa? 

The violence that women are facing in a culture where women are seen as inferior beings, so it is as though it is acceptable to treat them badly. It is unacceptable.

6. What has been the biggest risk you have ever taken? 

The biggest and most recent risk my husband and I have taken is getting our second property, a holiday home, in these uncertain economic times, investing in a holiday home is often considered to be very risky and said to be the worst property investment.

7. Any advice for women who want to start a Career in this industry? 

It is an industry where one never stops learning and the opportunities in property are limitless and vast. Whatever knowledge you gain in one area of the property sector will come in handy in another area of the sector.

8. What is your take on property investments? 

Investing in property is the greatest investment, with the least risk, and with great returns. It does, however, demand a constant hands-on approach.

9. What would you say is your biggest achievement so far? 

Still being able to work with the health challenges that I have faced. Also, keeping a positive outlook on life and, keeping on going. I have kept getting up after being knocked down. We achieve things in our lives that may not be significant to anyone else, but may serve to be huge growth learnings at a personal level.

10. What message of inspiration do you have for the woman of South Africa? 

There is nothing that you can’t do. South African women are generally inherently strong, and I wish all women the courage to rise again and again and to face the fears that are holding them back from doing everything they put their minds to. Someone once made a statement that resonated with me; “Most problems can be solved with a little bit of self-discipline. All problems can be solved with a lot of self-discipline.”

Despite its potential, Irene Court was a run-down apartment building in the central business district of Bloemfontein. The apartments had no doors, there were very few walls due to a lack of maintenance with tenants having to use curtains as dividers. And yet, Ntombi Sithole saw an opportunity to revitalise the building and transform it into the prime location it is today.

With the assistance of TUHF, Ntombi purchased the property in 2017 and began a refurbishment project that was completed a year later.

“Being so strategically located in downtown Bloemfontein at the heart of the Urban Development Zone, this property was a gem at an incredibly attractive price. Situated at the corner of Charles and Hanger Street opposite the Department of Health and next to Sanlam Plaza and China Mall, the opportunity to turn this into beautiful real estate was just too good to pass up on,” says Ntombi.

Additionally, given its location the property provided a great tax incentive and attracted a lot of tenants despite the condition it was in previously.

“To be honest, before we started the refurbishment, the place looked like a dumpster. The previous owner did not perform any upkeep or maintenance. We literally had to start from scratch and put in new tiles, doors, brick walls inside the apartments, burglar proofing, and new bathrooms. The scale of the project was significant,” she adds.

Considering this was the first project TUHF would undertake in Bloemfontein, Ntombi was motivated to prove the potential of Irene Court.

“As this was a brownfield initiative in the city, we had to establish relationships with builders and other stakeholders to ensure its success. The scope of the refurbishment presented us with many challenges and the first contractor really did not provide any assistance. I had to take over and invested R200 000 from my own funds to supplement the R4.6-million funding from TUHF and the Intuthukho Fund.”

However, Ntombi says that TUHF really came to the rescue and was more than a funding partner on the project.

“They helped me re-finance the property to be able to finish it and walk with us throughout the process and provided invaluable assistance. Paul Jackson in particular was an incredible mentor and it has been amazing to work with TUHF throughout the project.”

Today, she says it is an honour and a privilege to know that people are living in a decent place.

“From what it was to what the building is today required a major leap of faith. Fortunately, the equity growth has been marvellous and the support we received from TUHF throughout means we were never alone in this project. Yes, it was hard work and we went through difficult times, but the continued 100% tenancy rate of Irene Court makes it all worthwhile in the end,” concludes Ntombi.

Facts

• Location: Corner of Charles and Hammer Streets, CBD, Bloemfontein, 9301
• TUHF Product: Irene Court
• Original configuration: Dilapidated apartment building
• Configuration upon completion: Rejuvenated apartment building featuring 11 one-bedroom flatlets and four two-bedroom units

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We at TUHF are celebrating Women’s Month this August. We have taken this opportunity interview some of TUHF’s most influential woman, and gain some insight into their lives on both a professional and personal level by delving into their property insights and preferences.

1.         What impact do you think woman’s right to vote had on our country?

Giving a voice to women is inclusive, empowering and long overdue. However, there is so much work we need to still do to ensure that issues around gender based violence in society are addressed and that women in the workplace have equal opportunities.

2.         Describe yourself in 3 words? Enduring, Reliable, Dedicated

3.         What do you enjoy doing in your free time? Exercise like running and pilates, Watching Netflix, Love the outdoors and hiking

4.         How do you conquer fears? By facing them honestly, one at a time.

5.         In this day and age what is the biggest challenge facing woman in South Africa? The 3 most significant issues based by South African women are 1. Gender based violence and femicide, 2. Equal rights and opportunity for women 3. Skills development particularly for our youth

6.         What has been the biggest risk you have ever taken? Making choices in my life that have involved the path less traveled and being true to myself have been harder but more rewarding – examples are studying finance and ensuring that I am independent financially, leaving a large corporate to work at TUHF.  

7.         Any advice for women who want to start a Career in this industry? Take the risk, even if its hard perseverance pays off, don’t give up. Believe in yourself – there is nobody quite like you. Be yourself and know the value you bring.

8.         What is your take on property investments? I think investing in property is rewarding and lucrative but you need to be firm, fair and hands on in managing tenants  

9.         What would you say is your biggest achievement so far? Keeping my sanity while having a career, caring for my family and trying to keep a balance

10.       What message of inspiration do you have for the woman of South Africa? Understand the world of work, there are enormous opportunities, it is strategic, it is about understanding that, it is about building supportive networks & relationships and being part of a team, be good at what you do and show up so that you can come forward to be part of all this and bring your voice   

Despite the unprecedented times, TUHF continues to be a good business doing good. TUHF honours Nelson Mandela Day by delivering hygiene parcels to the Fountain for the Thirsty, an organisation that has been helping the homeless during the Covid-19 lockdown period. The foundation works with homeless shelters and is currently operating two temporary emergency shelters for a maximum of 55 men in their 30km squared service area.

“For the people that we have worked with, we have made a world of a difference. We have made an impact on the lives of the people of the city,” said the foundation’s founding director, Shalene Selkirk.

For those in need or who wish to contribute to their efforts visit www.fountainforthethirsty.org

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by Elske, Blogger, A Table for One

Kate Keeling, Junior Portfolio Manager at TUHF, provides some much needed info on investing in property and expanding your property portfolio.

Briefly tell me more about yourself and your journey in property investment.

I studied BSc Architecture and BSc Honours in Real Estate through the University of Pretoria. I was then offered an internship at TUHF and have loved working in the property investment space so much that I have never looked back. I have been at TUHF since May 2016 and I am now a junior portfolio manager.

For those wondering how to buy/invest in their first property. Where does one start?

It is key to understand the market that you are wanting to invest in. For example, the old saying of “location is key” is still very true today.

The decision on location, or at least area, may be determined by your affordability, but it will also be strongly influenced by the demand in an area. With location, it’s also important to know the type of property you are wanting to invest in and the product you want to bring to the market; what makes it better or more attractive than what is already on the market.

In addition, before making any commitment or investment, you need to understand the income and expenses of the property you are looking at. Often people underestimate the costs of running a property, where not all costs are recoverable from tenants.

Once you’ve undertaken your market research and have a strong grasp of the above, also consider your personal capacity, expertise and experience – and if you may need to on-board some professionals to assist you.

What are some factors you need to consider before buying your first property?

As mentioned above, location is key and understanding your market and potential tenants. I think you must invest in an area that you are happy to manage in, a present landlord is always the most successful. Look at the expenses of the property; a good practice whenever it is possible to, is to get your hands on a utilities bill to understand the ‘real’ costs, rather than working off estimations. Also understand other costs such as security, maintenance, insurance, etc. to get a more all-encompassing view, which can then be compared to expected potential income from the property, to assess if it is viable (ie does it support itself), or profitable, as a sustainable investment.

Many first-time buyers are not aware of transfer costs and transfer duties. What are they and what is the difference between the two?

The transfer duty is a tax payable to SARS – and is calculated based on the value of the property. Buyers are liable for transfer duty fees for all types of properties over R1 000 000.

Transfer costs, on the other hand, are the costs for transferring the property into the buyer’s name, this includes conveyancer’s fees and bond registration.

What, if any, ‘hidden costs’ should one be aware of?

Perhaps not hidden costs, but there are additional costs involved with buying property that some investors are possibly not aware of, or underestimate, initially. These can include, for example:

• Transfer costs and bond registration costs, which are often more than people anticipate.
• If you plan to do any construction and/or refurbishment on the property, it’s good practice to always allow for a contingency, as there will be something that may have been overlooked in the initial costings, snags or potentials delays, which also may cause a delay for letting the property. And during this refurbishment or construction period your loan will need to be serviced or there will be capitalised interest added to your loan.
• Letting your property takes time; your instalment will be due with your funder and you may not be fully let. In saying this, finding the right tenant is important.
• Running and maintenance costs, as although you recover some costs from the tenants there are generally some costs you don’t recover. Some examples of these can include: general upkeep of the property, cleaning and maintenance; electricity and water in communal spaces (for multi-unit, multi-tenant properties); insurance; rates and taxes; security.

After buying your first property, how do you go about expanding your portfolio?

I think it is important to get your first property up and running properly before moving onto your next project/investment. This means making sure your property is self-sustaining, and ensuring you feel 100% comfortable from a finance and capacity point of view before making another commitment.

You will also learn a lot of lessons from your first property and carry these into your plans for the next property. And although you maybe want to diversify the area or the property type, just remember that when managing multiple properties, it is easier if the properties are close to each other – particularly if you want to be a present landlord – and you already have inside information in the market you are invested in.

Any other tips or advice?

COVID-19 has taught us a lot, not least of all that you can’t plan for everything. But what we have learnt from our clients, as landlords and their approach to their tenants, is that if you are proactive when something does happen, it will soften the blow.

We have seen landlords who have been very proactive during this pandemic and they are recovering quicker from any financial knock-on effects of the economic impacts of the pandemic and the lockdown measures, than for example other market players who perhaps haven’t stayed engaged with their tenants and been present at their properties.

This experience has also shown that it is very important to vet and get the right tenant into your property to begin with, but then to also build a strong relationship with your tenants. As, while the current circumstance surrounding the pandemic are unprecedented, having a strong relationship can help see you and your tenants get through any future tough times together.

And, if you are using a property management company, or planning to, ensure they are proactive and responsive to you and your tenants in situations.

On the 7^th of July 2020, Mahlatse Kekana, Junior Portfolio Manager at TUHF joined Private Property’s podcast series on Facebook. Hosted by Zamantungwa Khumalo, Mahlatse featured as the guest speaker to discuss entrepreneurial success tips in commercial real estate. 

“The first thing that TUHF looks for before processing a loan application, is a fit for that particular entrepreneur or enterprise. TUHF has what we call a character-based lending strategy which means that we look at the character as well as, the background and abilities of the person behind the deal.” Mahlatse explained.

TUHF will also assess:

– Whether the deal is commercially viable, i.e. does the deal make commercial sense?

– Whether the loan that it gives you can be paid back from the income that will be generated from the particular property

Over and above, TUHF’s financing process can be summarised in 8 steps

Step 1. Identify an inner-city area in which you would like to invest, in line with your knowledge & experience

Step 2. Find an existing building or site for a new building

Step 3. Do your research by gathering information to prepare for your meeting with a TUHF Consultant

Step 4. Apply for TUHF finance

Step 5. Begin the credit approval phase

Step 6. Meet the conditions of the approval & sign loan agreement

Step 7. Registration of property takes place & construction starts

Step 8. Construction complete, rent up and cyclical processes

In concluding TUHF’s steps of lending, Mahlatse mentioned that some of the most successful property entrepreneurs are those who buy correctly at the correct price. “You have to buy properties that suit your risk appetite and capabilities. The most successful entrepreneurs are street level and they have a network of real estate agents, developers, and financiers. Platforms like Private Property provide a basis for entrepreneurs to find property. But it’s when you really start engaging with your peers and fellow entrepreneurs that you start finding what a good transaction looks like” Mahlatse added.

Zamantungwa and Mahlatse continued the conversation by discussing other factors that property buyers should be mindful of when buying property in the inner city. Mahlatse explained that finding the right deal, or property is not easy, and this means that people will often enough have to let go off a few properties before finding the one more suitable for them. Mahlatse highlighted that even though you may not come with a feasible proposal in the beginning, TUHF is still able to assist you find the right deal.

TUHF is also able to fund property entrepreneurs in township areas of South Africa through its uMaStandi product offering. uMaStandi launched in 2017 and it finances township entrepreneurs.

“In summary, the best advice that I can give in closing to property entrepreneurs who want to succeed in the real estate property market is firstly; you should start small then go big, secondly; always interrogate purchase prices and lastly; be conservative in your estimates.” Mahlatse concluded.

More Information:

Podcast link https://www.facebook.com/propertysa/videos/736971557117321

Learn more about TUHF https://www.tuhf.co.za/

Learn more about uMaStandi https://umastandi.co.za/

Get to know Mahlatse Kekana – LinkedIn https://cutt.ly/qpq4hCx

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