St Kitts & Nevis offers lucrative opportunities for real estate investors, including foreigners. The twin islands, renowned for their picturesque landscapes and vibrant tourism industry, provide a diversity of real estate options. From lavish beachfront villas to affordable homes, the market caters to a wide range of preferences. Notably, the Citizenship by Investment Program established in 1984 enhances the appeal by enabling investors to secure citizenship through real estate investments starting at $400,000 for joint purchases and $800,000 for sole purchases, fostering economic growth and boosting the real estate sector1. Despite the recent increase in investment thresholds, the real estate market remains promising with various properties available, ensuring potential growth, tax benefits, and rental income opportunities.
Key Takeaways
- St Kitts & Nevis is an attractive destination for Caribbean property investment, offering a variety of real estate options.
- The Citizenship by Investment Program allows foreigners to obtain citizenship with real estate investments starting at $400,0001.
- Property prices in St Kitts & Nevis are competitive, with significant potential for value appreciation1.
- The islands provide numerous tax benefits and the potential for rental income.
- Foreigners can purchase residential, commercial, and undeveloped land2.
Contact us if you are Interested in Buying Property Abroad!
Introduction to Real Estate in St Kitts & Nevis
St Kitts & Nevis is a twin-island nation with significant appeal for international real estate investors, combining vibrant tourism with an array of enticing property options. The primary island, St Kitts, stands as the economic hub, while the smaller island of Nevis offers serene and picturesque landscapes. Both islands diversify their offerings with beachfront apartments, luxury villas, and hotel suites, making them hotspots in the Caribbean real estate market3.
One noteworthy aspect of purchasing property in St Kitts & Nevis as a foreigner is the Citizenship by Investment (CBI) program. Established in 1984, this program has attracted numerous foreign nationals seeking second citizenship. Investors can contribute a minimum of $200,000 into local real estate to qualify for this benefit3. Additionally, grant options include a $400,000 investment in government-approved real estate development, or $800,000 for a single-family approved private home4. Moreover, properties often come with high rental potential, offering annual returns of 2% to 5%4.
The real estate market in St Kitts & Nevis remained resilient during the 2008 economic crisis, largely thanks to the Citizenship by Investment program3.
Foreign investors eyeing the Caribbean real estate market will find St Kitts & Nevis particularly attractive due to its competitive prices and beneficial taxation system. Property tax rates vary, with the lowest rates found on residential properties in Nevis at 0.156% for building tax and 0.075% for land tax3. More so, commercial properties command a 0.3% tax rate on both islands. Consequently, real estate in St Kitts & Nevis also offers the unique advantage of potentially obtaining citizenship for the entire family, making it a strategic investment opportunity.
Popular real estate projects include developments such as Calypso Bay Resort, Christophe Harbour, and Frigate Bay Villas, ensuring a range of property types for potential investors4. For further insights into the property market and investment opportunities, visit 7th Heaven Properties.
Real Estate Laws for Foreigners in St Kitts & Nevis
For foreign nationals looking to purchase property in St Kitts & Nevis, understanding the real estate laws for foreigners in St Kitts & Nevis is crucial. The legal requirements ensure that the process of obtaining property is smooth and transparent.
Alien Landholding License
The most significant legal requirement for foreigners is obtaining an Alien Landholding License. This license is necessary for all non-nationals who wish to own real estate in St Kitts & Nevis. The fee for the license is 10% of the property’s value, and the approval process typically takes between two to three months. Legal counsel is highly recommended to review all Purchase and Sale Agreements to ensure compliance with local laws and regulations.
Legal Requirements
Once the Alien Landholding License is approved, the property must be fully paid for, and the title transferred to complete the formalities of ownership. Furthermore, foreign investors should be aware of additional taxes and fees associated with real estate transactions. The government imposes a stamp duty and, in some cases, capital gains tax, calculated based on the assessed value of the property. This process is outlined in more detail in a helpful resource available here5.
It’s crucial to note that St Kitts & Nevis has signed a deal with Medici Land Governance to use blockchain technology for the Land Registry, although the project status remains unknown5. Additionally, the recent launch of the ECCB DCash Project marks the first digital currency used by a monetary union in the region5. Cryptocurrency is now accepted by the Citizenship by Investment Unit as a valid currency for investment, reflecting the growing trend of digital asset integration in real estate transactions in the country5.
The real estate market in St Kitts & Nevis has not been adversely affected by rising inflation or interest rates post-COVID-19, which indicates a stable investment environment5. Foreign investors can thus rely on the robustness of the market while navigating the real estate laws for foreigners in St Kitts & Nevis.
Can Foreigners buy Real Estate in St Kitts & Nevis
For non-citizens interested in buying property in St Kitts & Nevis, it’s essential to understand the welcoming policies and the growth prospects of the local real estate market. Foreigners are indeed allowed to buy real estate in St Kitts & Nevis, provided they acquire the necessary permits and licenses. The nation uniquely benefits from its Citizenship by Investment Program, which ensures that those investing in real estate can bypass some administrative hurdles, such as the Alien Landholding License, which costs 10% of the land plot price6.
Foreign investment is particularly encouraged, especially in the context of real estate, where investments significantly contribute to the nation’s ongoing development and economic prosperity. Currently, property prices in this island nation can range widely. For instance, you can expect to pay around $3,500 to $8,000 per square meter of real estate, depending on the property’s location and type6. The minimum investment required for the Citizenship by Investment program is $400,000, involving various options such as shares in real estate projects, single-family private dwellings, and approved residential properties6.
The property market is buoyed by the growth of resort properties and the presence of world-renowned hotels, which drive up the value of both commercial and residential spaces. The lucrative opportunities span various types of properties, including $400,000+ for an apartment of at least 80 m², $600,000+ for a two- to three-room cottage, $1,000,000+ for villas sized 200—400 m², and $3,000,000+ for luxury coastal front-row houses6.
The economic landscape further enhances the attractiveness of buying property in St Kitts & Nevis for non-citizens. Not only does the area offer a favorable tax structure with no capital gains tax, estate or inheritance taxes, corporate taxes, or exchange controls, but it is also the leading economy in the Eastern Caribbean. This booming economic environment attracts high-income individuals and investors looking for stable and profitable real estate investments7.
Additionally, those opting for the Citizenship by Investment program experience added benefits, such as the exemption from the Land Holding License. Moreover, the program stipulates that real estate investments must be held for a minimum of seven years, further solidifying investor confidence and market stability6. St Kitts and Nevis also hosts several offshore medical schools and international organizations, consistently pulling in professors, executives, and high-net-worth individuals looking to rent or purchase property7.
Conclusively, buying property in St Kitts & Nevis for non-citizens is a viable and profitable endeavor due to favorable conditions, extensive development, and attractive investment programs.
Popular Locations to Buy Property in St Kitts & Nevis
When considering purchasing property in St Kitts & Nevis, several locations stand out for their appeal and amenities.
Frigate Bay, St Kitts
One of the prime spots for buying property in St Kitts is Frigate Bay, a vibrant area known for its mix of luxury homes, condos, and resort properties. Its central location offers easy access to essential amenities such as golf courses and restaurants. Investors find Frigate Bay St Kitts attractive due to its proximity to the Robert L. Bradshaw International Airport, which receives flights from the United States and the United Kingdom8. Moreover, the area benefits from the nation’s push to bolster tourism, making it a sound investment8.
Frigate Bay St Kitts also offers ownership regulations whereby foreign nationals can follow a property acquisition process similar to locals, including legal formalities managed by a trusted attorney9. For those interested in the Citizenship by Investment Program, the minimum real estate investment is $400,000, which must be retained for at least five years before resale10.
Oualie Beach, Nevis
Oualie Beach Nevis presents another attractive option for property buyers looking for a serene atmosphere. Known for its pristine beaches and diving spots, Oualie Beach offers beachfront properties that cater to both high-end and mid-range investors. The area is also part of Nevis’ initiative to grow its tourism sector, ensuring a steady influx of visitors8. Investing in property here can provide both a luxurious Caribbean lifestyle and potential financial returns.
Furthermore, successful Citizenship by Investment Program investors benefit from visa-free travel to over 150 countries and can include immediate family members in their application10. Investors should consider Oualie Beach Nevis for its combination of tranquility, beauty, and investment potential. Professional guidance is advised to navigate the real estate market effectively9.
In summary, St Kitts & Nevis offer varied and highly desirable locations for property in St Kitts & Nevis. Areas such as Frigate Bay St Kitts and Oualie Beach Nevis illustrate the islands’ capacity to cater to diverse investor needs, supported by a robust tourism-driven economy and favorable investment programs.Learn more about popular areas to buy property in St Kitts and.
Understanding the Costs Involved in Buying Property
Investing in property in St Kitts & Nevis requires a comprehensive understanding of various financial obligations. Besides the initial St Kitts & Nevis property prices, potential buyers must account for several transaction fees in real estate.
Property Prices Range
In St Kitts & Nevis, property prices vary significantly, offering options for various budgets. Luxurious beachfront villas can reach several million dollars, while more modestly priced two-bedroom homes can cost around $300,000. For example, sustainable Caribbean-style cottages are priced at approximately $450,000, which positions St Kitts and Nevis as competitive compared to other Caribbean markets like Turks and Caicos and the Bahamas11. In some Caribbean locations, properties are available under $200,000, while luxury estates can go up to $5 million11.
Transaction Fees
When buying property in St Kitts & Nevis, it’s crucial to consider additional transaction fees in real estate. The Alien Landholding License fee is 10% of the property value. Moreover, legal fees range from 1% to 2.5%, alongside a land assurance fund fee of 0.20%11. Buyers should also account for property tax, which varies depending on the type and market value of the property.
To learn more about the advantages of property investment in this attractive Caribbean paradise, you can explore further details on the Global Citizen Caribbean website.
Benefits of Investing in St Kitts & Nevis Real Estate
Investing in real estate in St Kitts & Nevis offers numerous advantages, making it an attractive proposition for international investors. One of the significant benefits is the Citizenship by Investment Program, established in 1984, which enables investors to acquire citizenship by making an economic contribution through approved projects or real estate acquisitions12. This program allows dual citizenship, enhancing travel freedom and global mobility with visa-free or visa-on-arrival access to over 150 countries13.
Contact us if you are Interested in Buying Property Abroad!
Citizenship by Investment Program
The Citizenship by Investment Program provides various options, including the Sustainable Island State Contribution, Approved Public Benefit Projects, and real estate acquisition, with a minimum investment of USD 400,00012. Real estate investments under this program can be resold after seven years, subject to specific conditions12. High-quality homes and investment opportunities introduced through this program have consistently attracted wealthy families and high-net-worth individuals (HNWI)14. The program is renowned for its efficient and transparent application process, usually completed within six to twelve months12.
One of the key attractions of investing in real estate through this program is the impressive return on investment, driven by the market’s consistent performance and growth14. Property values in St Kitts & Nevis have shown promising potential for capital appreciation, especially over a minimum holding period of five years14. Moreover, properties qualifying for the Citizenship by Investment Program often experience higher demand, enhancing liquidity and value13.
Tax Advantages
St Kitts & Nevis offer significant tax benefits to property investors. Residents are not subject to personal income tax, capital gains tax, or inheritance tax, allowing for greater profitability and wealth preservation13. Property tax rates are relatively low, with exemptions available for certain properties under the Citizenship by Investment Program13. These tax benefits in St Kitts & Nevis provide an attractive financial proposition for investors looking to optimize their tax obligations while enjoying luxury and diversity in their real estate portfolio.
Moreover, the rental income generated from properties can benefit from high occupancy rates, particularly during peak tourist seasons, contributing to a steady stream of tax-free revenue13. For more detailed insights on investing in real estate in St Kitts & Nevis, consider this comprehensive guide12. The combination of the Citizenship by Investment Program and favorable tax benefits in St Kitts & Nevis makes it a compelling choice for savvy investors.
Types of Real Estate Available
St Kitts & Nevis offer myriad real estate options catering to various investment preferences and budgets. From opulent luxury properties to more affordable options, there is something for everyone looking to invest in this Caribbean paradise.
Luxury Options
The luxury real estate market in St Kitts & Nevis is booming, buoyed by the Citizenship by Investment Program, which allows investors to acquire citizenship through real estate purchases. Exclusive properties like The Four Seasons Resort Nevis, Christophe Harbour, and Solterre at Cockleshell Bay are prime examples of luxury accommodations attracting wealthy families and High Net Worth Individuals (HNWI)14. These high-end properties often come with private beaches, state-of-the-art amenities, and impressive rental yields that make them an excellent investment choice.
Investors are not only drawn to the scenic beauty and high-quality homes but also the numerous benefits provided by the program, such as tax-free living and visa-free travel to over 100 countries14. To qualify, real estate investors must make a minimum investment of US$400,00010, with additional administrative fees.
Affordable Options
For those interested in affordable property investments, St Kitts & Nevis also offer a range of options outside the luxury segment. Developments like Shalimar Villas and Busch Hill Gardens provide accessible, budget-friendly real estate opportunities that don’t compromise on quality14. Smaller apartments and homes in popular areas like Oualie Beach and Frigate Bay are perfect for first-time investors looking to enter the market at a more affordable price point.
The real estate market also benefits from strong economic indicators, such as a steady GDP growth rate driven by tourism, financial services, and agriculture, which was nine percent in 202215. With tax advantages like no personal income, capital gains, or inheritance tax, and a promising potential for capital appreciation, investing in St Kitts & Nevis is a lucrative opportunity for individuals on a budget10.
| Real Estate Option | Investment Range | Key Features |
|---|---|---|
| Luxury | From US$400,000 | Private beaches, high-end amenities, Citizenship by Investment eligibility |
| Affordable | Varies | Smaller apartments, accessible developments, budget-friendly |
Process of Buying Property in St Kitts & Nevis as a Foreigner
For those keen on understanding the process of buying property in St Kitts & Nevis, it is crucial to follow a methodical approach. This guide for foreign investors aims to simplify the steps, ensuring a smooth and legally compliant acquisition of real estate on the islands.
Step-by-Step Guide
- Search for Property: Begin by identifying suitable properties based on your preferences and budget. Utilize real estate agents and online listings specific to St Kitts & Nevis.
- Make an Offer: Once you find a property, present a formal offer. Negotiations may ensue until both parties agree on the price.
- Engage a Local Attorney: It is advisable to hire a local attorney to handle legal aspects and ensure compliance with local laws, including applying for the necessary licenses.
- Pay a Deposit: After the offer is accepted, a deposit is typically required to reserve the property.
- Acquire an Alien Landholding License: Foreign investors must obtain this license to legally own property in St Kitts & Nevis, with a limit of half an acre without special government approval9.
- Finalize the Sale: Upon receiving the license, complete the necessary paperwork to finalize the sale and transfer the title.
Key Considerations
There are several critical factors to bear in mind when navigating the process of buying property in St Kitts & Nevis. For instance, the Citizenship by Investment Program (CIP) requires a minimum real estate investment starting from US $200,000, with a property holding period of at least five years before resale is permitted9. Successful investors in the CIP, along with their immediate families, gain visa-free access to over 150 countries9. Additionally, legal fees for property purchases typically range from 1% to 2% of the purchase price, and annual property taxes vary between US $800 to $200016. Professional guidance is highly recommended to navigate these complexities and ensure all legal requirements are met9.
St Kitts & Nevis has also experienced a GDP growth of nine percent in 2022, driven by sectors like tourism, financial services, and agriculture15. This economic stability is a significant attractor for foreign investors looking to buy property. Furthermore, the islands feature a diverse property portfolio, from luxurious beachfront villas to historic plantation estates, catering to various investor preferences15. Understanding these elements can provide a comprehensive perspective on the real estate landscape in St Kitts & Nevis.
Property Management and Income Potential
For property owners in St Kitts & Nevis, professional management services offer a comprehensive solution to handle rental arrangements, ensuring a smooth experience and maximizing rental income opportunities. Utilizing local expertise, St Kitts & Nevis property management companies manage everything from tenant sourcing to maintenance.
Rental Yields
Rental yields in St Kitts & Nevis can be quite lucrative, especially during the high tourist season. On average, rental properties yield around 4% annually, with potential returns increasing significantly during peak periods17. This offers property owners a dual-purpose investment opportunity, where they can enjoy their vacation home while generating consistent rental earnings.
Property Management Services
Engaging in St Kitts & Nevis property management services ensures that properties are well-maintained, and rental processes are efficiently handled. These services include tenant vetting, regular maintenance, and detailed financial reporting, freeing property owners from the day-to-day responsibilities and allowing them to focus on enjoying the rental income opportunities.
Moreover, the established Citizenship by Investment Program in St. Kitts and Nevis, which allows for real estate investment options, adds an extra layer of attractiveness for foreign investors17. The program, which enables investors to obtain citizenship, stipulates a minimum investment of US$200,000 for real estate, paving the way for enhanced lifestyle and tax benefits18.
Property owners can benefit not only from rental income but also from the increasing property value, adding to the overall return on investment17. Investing in St. Kitts & Nevis real estate under the Citizenship by Investment Program requires a minimum of US$200,000, which can be resalable after five years18. This structure is designed for optimal long-term gains.
From these robust rental yields to comprehensive property management services, St Kitts & Nevis present promising rental income opportunities that are both sustainable and profitable for investors.
Success Stories and Case Studies
St Kitts & Nevis’s real estate market has seen numerous success stories that exemplify the potential for lucrative returns and diverse investment opportunities. By examining St Kitts & Nevis real estate success, we gain valuable insights into how strategic investments and effective property management can lead to substantial gains.
Real-life Examples
One prominent example is Belle Mont Farm Residences, which attract investors seeking exclusivity and tranquility. These properties are known for their bespoke design and world-class amenities, making them a prime choice for high-net-worth individuals looking for second citizenship through the Citizenship by Investment (CBI) program19. Another noteworthy case study is Christophe Harbour, a coveted destination for luxury villa investments, strategically located in a premier resort community offering upscale amenities19. These examples underscore the importance of conducting thorough market analysis and identifying emerging hotspots to maximize returns.
Lessons Learned
Investors in St Kitts & Nevis have gleaned several key lessons from successful property investment case studies. Firstly, understanding and complying with the legal and regulatory frameworks is crucial for mitigating risks and ensuring smooth transactions19. Secondly, due diligence plays a vital role when evaluating luxury villa developments. Factors such as the developer’s track record, amenities, and potential for capital appreciation should be thoroughly assessed19. Lastly, timing the market effectively can significantly influence the profitability of the investments. These lessons provide a valuable blueprint for prospective investors aiming to achieve similar success in the St Kitts & Nevis real estate market.
Understanding these success narratives is pivotal for any investor aiming to replicate the achievements of their predecessors. For high-net-worth individuals particularly interested in the benefits of second citizenship and the robust tourism sector, St Kitts & Nevis offers compelling opportunities, making it an attractive destination for real estate investments19.
Additionally, according to the Auditor General’s report of 2020, around 40% of St Kitts and Nevis’ total revenue is derived from the Citizenship By Investment (CBI) programme. This demonstrates the significant impact of CBI on the local economy and its role in driving demand for luxury properties20. Despite certain concerns regarding the transparency and allocation of CBI funds, the legal framework, including the St. Christopher and Nevis Citizenship Act and CBI Regulations, governs the accountability of these funds20. This structured legal compliance highlights the importance of adhering to local laws, ensuring that investments remain secure and fruitful.
St Kitts and Nevis are committed to international partnerships, as exemplified by signing a full visa waiver agreement with Tuvalu and 33 new visa waiver agreements since 201520. Such developments enhance the attractiveness of the islands for international investors, further reinforcing the potential for property investment case studies that result in overwhelming success and satisfaction.
Conclusion
Concluding our exploration of investing in St Kitts & Nevis property as a foreigner, it’s apparent that this lesser-known Caribbean gem offers numerous opportunities. The legal framework is clear, with the Alien Landholding License being a crucial component. Foreign buyers should note that 10% of the property’s price must be paid for this license, except for specific properties like the Four Seasons Resort Estates21. Additionally, navigating through costs such as the 17% VAT on services like legal fees and real estate agency commissions ensures transparency in each step21.
The financial landscape is also accommodating. From acquiring a two-bedroom condo for approximately US$495,400 in St. Kitts22 to understanding the potential market stability due to conservative lending, these islands make a solid investment case. Moreover, the Citizenship by Investment Program, with its initial requirement of US$350,00022, further enhances appeal, particularly with benefits like preferential entry to the United Kingdom for Commonwealth applicants22.
Case studies and success stories underline the financial and lifestyle benefits of investing here, as well as the robust management services ensuring smooth property ownership. With building costs in Nevis ranging from $350 to $450 USD per square foot21, and a thriving real estate market influenced by stable economic policies, St Kitts & Nevis stand out as a prime candidate for investing in St Kitts & Nevis property as a foreigner. Through diligent preparation and insightful decision-making, potential investors can seamlessly navigate the process and enjoy a rewarding investment experience.
Contact us if you are Interested in Buying Property Abroad!
FAQ
Can foreigners buy real estate in St Kitts & Nevis?
Yes, foreigners can buy real estate in St Kitts & Nevis. The country welcomes foreign investment and offers a streamlined process for buying property, including obtaining an Alien Landholding License.
What is the Alien Landholding License?
The Alien Landholding License is a required permit for foreign nationals to purchase property in St Kitts & Nevis. It involves a fee equivalent to 10% of the property’s value and usually takes between two to three months for approval.
Are there popular locations to buy property in St Kitts & Nevis?
Yes, popular locations include Frigate Bay in St Kitts and Oualie Beach in Nevis. Frigate Bay offers a mix of luxury homes, condos, and resort properties, while Oualie Beach is known for its serene atmosphere and beachfront properties.
What are the costs involved in buying property in St Kitts & Nevis?
The costs include the property price, an Alien Landholding License fee (10% of the property value), legal fees (1%-2.5%), and a land assurance fund fee (0.20%). Property tax is also applicable, with annual rates varying based on property type and market value.
What are the benefits of investing in St Kitts & Nevis real estate?
Benefits include eligibility for the Citizenship by Investment Program, which offers travel and tax advantages. Investors can also enjoy tax-free rental income and the opportunity to generate significant returns, particularly during the high tourist season.
What types of real estate are available in St Kitts & Nevis?
There is a variety of real estate options, including luxury villas, high-end condos, smaller apartments, and more affordable homes. These cater to a broad spectrum of investment preferences and budgets.
What is the process of buying property in St Kitts & Nevis as a foreigner?
The process involves searching for property, making an offer, engaging a local attorney, paying a deposit, obtaining an Alien Landholding License, and finalizing the sale and title transfer. It’s advisable to understand local real estate regulations and consider the economic context of the investment.
Can I manage the property remotely if I invest in St Kitts & Nevis?
Yes, property owners can utilize professional management services to handle rental arrangements, providing a turnkey solution for investors seeking passive income opportunities. Rental yields can be particularly high during peak tourist seasons.
Are there any success stories from the St Kitts & Nevis real estate market?
There are many success stories from investors in St Kitts & Nevis’s real estate market. These include positive outcomes such as significant returns on investment and effective leveraging of tax advantages, serving as a blueprint for prospective investors.
Source Links
- https://www.globalcitizensolutions.com/st-kitts-and-nevis-real-estate/
- https://sknih.com/2024/06/12/legal-considerations-for-foreign-buyers-in-st-kitts-and-nevis-real-estate/
- https://imperiallegal.com/real-estate-in-st-kitts-nevis/
- https://www.globalcitizensolutions.com/st-kitts-and-nevis-real-estate-citizenship/
- https://practiceguides.chambers.com/practice-guides/real-estate-2024/st-kitts-nevis
- https://immigrantinvest.com/real-estate/saint-kitts-and-nevis/
- http://www.stkittsnevisrealtor.com/stkitts-nevis-real-estate-buyers-guide/
- https://www.retireinthecaribbean.com/countries/retire-in-st-kitts-and-nevis/
- https://www.luxurylocations.com/buyers-guide-st-kitts
- https://www.7thheavenproperties.com/services/services-for-buyers/citizenship-by-investment/st-kitts-and-nevis/
- https://www.globalcitizensolutions.com/buying-property-in-caribbean/
- https://www.henleyglobal.com/citizenship-investment/st-kitts-nevis
- https://sknih.com/2024/06/13/benefits-of-investing-in-st-kitts-nevis-real-estate/
- https://offshore-freedom.com/blog-articles/nevis-real-estate-guide-market-overview/
- https://globalcitizen-caribbean.com/st-kitts-nevis-real-estate/
- https://www.7thheavenproperties.com/destinations/st-kitts-and-nevis/
- https://www.investmentvisa.com/citizenship-by-investment/st-kitts-and-nevis
- https://sknih.com/citizenship-by-investment/
- https://sknih.com/2024/05/09/ultimate-guide-to-investing-in-st-kitts-luxury-villas/
- https://www.cijn.org/st-kitts-nevis/
- https://www.nevishouses.com/house-buying-guide
- https://www.oualierealty.com/index.php?action=addon_blog_article&id=228
Comments