March 2017 Atypical Life Income Report

Welcome to the third monthly income and expense report from the Atypical Life family. We are pleased to share this with all of you, so that you may have the inspiration to achieve financial independence and freedom from the man sooner. As an atypical family, this income and expense report will look very different to most family budgets, however, it is 100% real and is achievable under the right circumstances.

I share my finances to inspire others to reach for freedom earlier. I hope to show from my income and expense reports:

  • Income can be generated in multiple ways. The regular 9-5 job is not the only way to make money and is also the best way to be a slave to the man.
  • Lowering expenses is really the path towards financial freedom. The lower your expenses, the more you can save. Also, with lower expenses, it takes fewer savings to live on.
  • It is possible to have low expenses.
  • Becoming an expat is a great way to financial freedom
  • To keep me accountable.

Tracking Your Money

Keeping track of your money is the number one way to reach financial independence. We track all of our income and expenses and then analyze it all at the end of the month for you.

Using Personal Capital is the best way to aggregate all of your accounts into one nice easy view. With your accounts spread across so many different platforms, it is hard to get a whole picture of your finances. Personal Capital gives you a view of where you are, if you spent too much, saved too little, or went into debt. Keeping track of your Net Worth on Personal Capital is super easy.

The best part of Personal Capital’s service is that it is free! It fits in perfectly with our frugal sense and allows us to track and reach financial independence faster. Check out their retirement planner to estimate how far away you are from retirement. It is one of the best I have seen for those of us pursuing FIRE.

If you haven’t started tracking your finances, it is not too late to start. Give Personal Capital a try and you will soon be on your way to being a personal finance guru.

Income

IncomeAmount
Bonus$6,020
Company Match$1,112
Expat Income$1,266
Gifts Received$50
Interest$4
Investment$725
Salary (Mr. Atypical)$6,467
Salary (Mrs. Atypical)$131
Total$15,775

March was another great month for us in the Atypical household. We had our regular salary and our wonderful, but regular expat income. This expat income is a 20% location premium or hazard pay in expat vernacular. It is additional income for us that is grossed up by the company, so we do not have to pay taxes on it.

I was stoked in March when our company actually paid the Short-term Incentive Plan (STIP) at 100% funding this year. This amounted to a 7.75% bonus on my new annual salary. All of the extra funds got saved and invested with 50% going directly to the 401k, ~25% going to taxes and the final 25% paid out to me and invested in the HSA.

One problem with the 401k contribution this month is that it still has not posted. I received my bonus on March 10, and the $3,010 that were “contributed” to the 401k, have still not shown up in my account. I was waiting for the salary contribution posted (around April 7) before approaching HR about this lack of contribution. I am not sure of the company’s intent here, but it seems they are holding on to my money for their own gain rather than paying it out to me on time.

My company has a fairly generous 401k match of 9%, as long as we contribute 6% to the 401k. This goal is very easy for us to achieve, as we contribute 50% of our income to the 401k. There is one caveat to my 401k contributions, though. They are only calculated on salary, expat income is not included, so 50% of $6,466 goes to the 401k each month to ready us for an atypical life of freedom. The 401k matching contribution is free money and we make nearly $6,000 per year from this income source.

March is when all of my VTSAX investments pay out dividends, so we had a $725 dividend payment. The payment for this quarter was very low compared with past payments. Even though I have more investments than I did in December 2016, the dividend payout was down 25% on a per share basis.

Expenses

ExpensesAmount
Business$550
Fees$8
Food$448
Home$325
Insurance$74
Medical Expenses$70
Shopping$427
Taxes$2,730
Travel$890
Utilities$29
Total$5,551

Our March expenses were to be expected and slightly over budget! They were the highest of 2017 so far because of hosting my parents in China for a few weeks.

The bonus we received in January from the local Chinese government got put to further good use this month on a new lens for our Micro 4/3 camera. The Olympus E-M1 that we bought in February is complemented nicely now by a wide-angle Panasonic 7-14 mm f/4 lens. This lens gives us a new perspective to use and will continue to expand the possibilities of beautiful photography for our blogs. Along with that, we improved our blogs with new plugins, so keep an eye out for new formatting. Because the bonus was paid in RMB to a Chinese bank account, we were not able to invest it without the fees and hassle of a wire transfer, so we have decided to allocate it to business expansion.

Because my parents are here, our budget, in general, got overstretched. We are trying to show them a good time and that involves traveling. We took a week long trip to Gansu province where we got to see numerous Danxia formations and got the must do in China done, visited the Great Wall. We are also getting more food out at restaurants as a result of them here. Introducing them to the local food is enjoyable, but certainly more expensive. It gives us a feel for what the cost will be to live when we have kids in the future.

In addition to the business expansion from the Chinese bonus, we treated my parents to covering the flight cost to Gansu and back. Both of their birthdays are in April, and we are so appreciative of them coming to visit, we felt that covering the flight was a great idea.

Our Gansu trip spread from March 28 – April 4, so is split over 2 months again. The portion spent in March was $876, however, half of the non-flight cost will be paid back to us by my parents. because they do not have a free way to get RMB to spend, we are covering all costs and they will reimburse us at the end of the trip via PayPal. Keep an eye out for our upcoming post about our Gansu trip.

Shopping

The shopping budget was over this month at $427. The reason we were over budget again is due to my parent’s trip to China. Because we can’t buy some things in China (I wear a size 46 shoe 13US), we bought them from the US and had my parents bring them to us. This saw the purchase of a pair of Chaco sandals for me, a pair of cycling sandals to replace the ones that I broke last year, and 2 horse riding helmets for Mrs. Atypical. The last one was a mistake due to a website malfunction and we will get reimbursed for the helmet when it gets returned to the store.

Mrs. Atypical and I are very into exercise and use it to spend much of our free time. Since cycling here is not too fun and the air is not too clean (think a thick headache inducing smog 150+ PM2.5) she asked for a bike trainer so she could ride inside. There was no way I could say no to that, so we purchased one that I would ride as well, and she is well on her way to getting stronger because of this purchase. I did not buy the cheapest version of a trainer because tools should be bought to last, and good quality can make all the difference. In the pursuit of freedom, we cannot forget to live and enjoy ourselves.

Medical

Our insurance for the month is on an accrual basis because we paid for the year entirely in December. We dropped our company sponsored health insurance that cost us $250 per month and the company $750 per month in favor of a local insurance company that was ~5300 RMB or $890. This covers us for all medical expenses in Greater China and also qualifies us to use the supercharged investment vehicle, the HSA.

We had our first medical costs of 2017 this month with the purchase of 12 months worth of birth control. China has it right because birth control is over the counter. There is no way they could have maintained the one-child policy for years without easy access to birth control. In the US, the government has put up barriers to access which does not make any sense.

Home

Our home cost remained at $325 and will remain at exactly that level until we finish the contract up in China. Our internet was paid in full this month for the following year. For the service (fine during the day, slow as dirt at night), the price is reasonable at $255 for the year or $21 per month.

Food

Our grocery and dining budget ballooned this month from my parent’s visit to $427. With $335 spent on groceries for the month, it is evident that we were stockpiling ingredients for the month ahead. I purchased 10 lbs of butter in preparation of baking wonderful Western sweets. Since we get the butter delivered, I thought it was better to stockpile before it gets hot here to stop melting during delivery. I am always happy that the cost of food in China is so low beside our splurges for sanity’s sake on butter, sugar, and chocolate!

The HSA Experiment

Our HSA, currently residing at HSA Bank, incurs a fee of $2.50 per month for a balance under $5,000. We will incur this fee and an additional $3 per month on that account, so we can keep all of our HSA money invested at TD Ameritrade and buy VTI, the best possible investment vehicle. VTI is the ETF equivalent of my favorite mutual fund VTSAX, Vanguard Total US Stock Market Admiral Shares.

My second month using this platform was much more successful than the first month. I did not make the same mistake as I did in February with incorrectly moving funds from HSA Bank to/from TD Ameritrade. I was able to put an additional $3,500 into the HSA bringing my total investment to $5,000 for 2017.

The investments made into the HSA will save us a good amount of taxes for 2017. At the 25% tax bracket, if assumed the HSA contributions are taken off the top, it is $1,688 in tax savings. I will be in the 15% tax bracket after all of our savings so, even there our tax savings are $1,013. These savings help to accelerate our path to financial freedom.

Taxes

Everybody hates taxes. They eat away at our income and we never even get a chance to see it. Taxes were 49% of our expenses for March totaling $2,729.

There are 2 certainties in life, death and taxes. ~Benjamin Franklin

Our taxes for March were extraordinarily high because of the tax withheld on the bonus. I initially thought it was way too high because they withheld 25% federal income tax from it, however it ended up correct. Because it is additional income above the estimated tax that I pay on my normal salary, it is taxed at my max tax rate of 25%. The 25% income tax was levied on the entire bonus, even though 50% of it went to the 401k in pre-tax contributions. Due to the expat package, I do not pay real income tax, but estimated income tax to the company, the accounting is done differently. The tax rate should probably be 15% since my saving plan for the year will put me in the 15% tax bracket but is not worth arguing.

After doing a review of my tax situation, I approached my tax preparation company about reducing my estimated taxes for 2017 and the future. I showed that I would save into pre-tax investment vehicles:

  • $18,000 to the 401k
  • $5,500 Mr. Atypical Traditional IRA
  • $5,500 Mrs. Atypical Traditional IRA
  • $6,750 to the family HSA
  • Total Value of $35,750

This is able to reduce my taxable income significantly, and when combined with personal and standard deductions on the 1040, it brings our taxable income very low. The purpose of reducing our tax withholding is because we know best how to take care of our money. The government obviously does not know what is best for me. We can put our money to work as soon as possible by investing in VTSAX and VTI, without waiting for a tax refund at the end of the year. This can gain us upwards of 12 months of growth (or decline…). It also allows us to raise our contributions throughout the year to achieve a healthy total portfolio to pursue freedom sooner.

I would never use a tax preparation company right now if it was not provided by the company. Taxes are not nearly as complicated as they are made out to be. Due to the tax equalization policy that my company implements for us, we have to have a professional tax preparation firm handle our taxes.

Savings

In total, we made $10,239 in March and were able to save the majority of that into investment funds. It was a very successful month financially, but that doesn’t matter if we did not enjoy ourselves. We should not kill ourselves to reach freedom. You should enjoy life all the time, knowing in the future it can be even better.

“Love the life you have, while you create the life of your dreams.” ~Hal Elrod

My parents came to China to visit and we got to go on a wonderful trip to Gansu province to check out the scenery and mountains there. It is nice to know you are loved and that people will travel half way around the world to come and visit.

How was your March? Are you heading towards financial independence as well? Let me know in the comments below.

If you enjoyed this post or found it useful, share the love and pin it to Pinterest!

March 2017 financial review

4,815 Responses to “March 2017 Atypical Life Income Report”

  1. a0EnPh IaаАа’б‚Т€ТšаЂаŒаАа’б‚Т€ТžаБТžm a lengthy time watcher and I just considered IaаАа’б‚Т€ТšаЂаŒаАа’б‚Т€ТžаБТžd drop by and say hi there for the very very first time.

  2. Have you ever thought about adding a little bit more than just your articles?

    I mean, what you say is valuable and all. However imagine if you added some great pictures or video clips to give your posts more, “pop”!
    Your content is excellent but with images and clips,
    this website could definitely be one of the greatest in its niche.
    Terrific blog!

  3. The weekend is fast approaching. Why not spend it with a sexy cam girl? There’s plenty of them over at http://www.camgirl.pw All of these girls are wanting to have a good time. That’s exactly what you’re looking for too. The most fun you’ll ever have online is right here. Have yourself a good time and meet someone new. That’s what this site is all about.

  4. Just imagine for a second if you could get into the mind of a millionaire. Think of all the things that you could learn. Well, you actually can do just that. A millionaire is giving away all of his secret right on the internet. You don’t even need to leave the house to learn what made him rich. All it takes is visiting http://e31a67zd-ccr7u13el2cflqp0d.hop.clickbank.net He will literally teach you all of the secrets to making money. Don’t you think it’s time that you earned the living that you deserve? Change your life today by simply following the link above. Do it for yourself and everyone that you care about.

  5. Did you know that people make their entire income promoting ClickBank? You too could be one of the many who have quit their job. Affiliate marketing is as old as the internet. It’s not going to go away any time soon. You too can get your piece of the pie. Why shouldn’t you? Do you really like working the job you have? Are you going to be able to do it until you retire? If you’re job requires physical labor, then you know the answer to that question. There’s no way you’re going to be able to do that when you get older. That’s just the truth and no one needs to tell it to you. Right now you could be making money online. Does it require work? You better believe it does. No honest person is ever going to tell you that it’s possible to become a millionaire online without doing any work whatsoever. It’s not possible. That doesn’t mean there isn’t money to be made. There’s plenty of money out there to be made by people just like yourself. Now you know there’s going to be a pitch for a product. You’re right about that. Click on the link http://64efd6-lz41s3rcelbr7s2xl7x.hop.clickbank.net/ and check it out. There’s a video you can watch that will explain everything. It will tell you how to make money using ClickBank. Watch the video and see what you think. You too can be one of the many who earn a living promoting ClickBank. Some people earn a good living and there’s no reason why you can’t.

  6. Are you the type who likes to hangout on social media? Have you ever thought about making it a career? You can help promote their business using social media. This means you can do what you already love doing and make money at it. Does this sound like something you’d like to do? If so, then check out http://d526fc0l5b3nfyfg3bx3sfpbkq.hop.clickbank.net/ You can help people and make some money in the process. You already hang out at social media sites. Why not make a few bucks doing it?

  7. Just when you think the work week can’t get any more boring. That’s when you discover http://www.camgirl.pw Now you can already begin to see that this week is going to be a whole lot better. There’s no need to be bored as can be while you work. Sneak in a little fun with one of these cam girls. They’ll put a smile on your face and a some lead in your pencil as well.

  8. Are you the kind of guy who loves to watch sexy girls get fucked in the ass? If so, then you need to check out this site https://t.frtyt.com/brwbcvyrr4?aff_id=29696&offer_id=5425&nopop=1 This is the one place where anal sex lovers can get their fix. You’ve never seen asses this tight fucked by cocks this big. Each asshole is super tight and it gets fucked by a huge cock. It’s impossible not to beat off while watching these beauties getting ass fucked.

    • Fantastic goods from you, man. I’ve take into accohnt your stuff
      prior to and you’re simply extremely excellent.
      I actually like what you hsve received right here, certainly like what
      you’re saying and the way wherein youu say it. You make it enjoyable
      and you still care for to stay it smart. I cant
      wait to learn far more from you. That is actually a temendous site.

      my page … Lorrie

  9. I’m really impressed along with your writing talents
    and also with the structure on your weblog. Is this a paid topic or did you modify it
    your self? Either way keep up the nice high quality writing, it is uncommon to look a nice
    weblog like this one nowadays..

  10. PHP SEO: Search Engine Optimization
    php seo uzmanı olarak şirketimiz php seo hizmeti vermektedir günümüz ortamında site sahiplerinin php bilgisi nekadar iyi olsada php seo metotları arama motorlarında optimize edilmesi gereken hususlardan bir tanesi web siteniz nekadar iyi olsada arama motorlarına duyarlı olmasına özen gösterin. php seo uzmanlarımızdan destek alabilirsiniz.

  11. Unquestionably believe that which you said. Your favorite justification seemed to be on the internet the easiest thing
    to be aware of. I say to you, I certainl get annoyed while people consider worries that they
    just do not know about. You managed to hit the nail upon the top and
    also defined out the whole thing without having side effeft
    , people can take a signal. Wiill likely be back to get more.
    Thanks

    Also visit my wweb blog … Trasplante capilar

  12. Hi there I am so happy I found your web site, I realy found you by error,
    while I was researching on Yahoo for something else, Nonetheless I am here now and would just like to say thank you for a
    incredible ppost and a alll round exciting
    bloig (I also love tthe theme/design), I don’t have time to read through itt all at the momnt buut I have book-marked iit and also added your RSS feeds, so when I have time I will be back
    to read a great deal more, Please do keep up the superb work.

    Feell free to visit my page; New York City PR

  13. Are you searching for a little live cam fun? If so, then you definitely need to check out https://t.irtyc.com/3l5f0asadc?aff_id=29696&offer_id=3664&nopop=1 This is by far the hottest cam site ever. You’ll find plenty of horny girls who love to get down right dirty. This is the kind of dirty that will leave you smiling from ear to ear. Meet girls online who are even more horny than you are. That’s what this is all about. Check it out now and prepare to have an amazing time.

  14. You’re looking to get laid. All you want to do is fuck right this very second. You can do just that at this dating site. You won’t be looking through hundreds of profiles of prudes. These are the kind of girls that you can get your dick wet into. Don’t jerk off to porn. Instead, visit https://t.hrtye.com/lw2c5cw328?aff_id=29696&offer_id=5604&nopop=1 and get laid. Fuck that pretty princess you’ve always been dreaming about. You’ll bust your nut in no time flat after joining this site.

  15. You’ve worked hard this week. Now it’s time to let your hair down and have a little fun. You can do just that at http://www.camgirl.pw There’s a whole lot of sexy cam girls there. You’ll be amazed by how many there are. Not only that, but these girls are super dirty. This is by far the hottest cam site on the internet. You’ll fully understand that the very second your eyeballs are laid upon these beauties.

    • After looking at a few of the blog articles on your web site, I honestly like your way of writing a blog.
      I book-marked it to my bookmark site list and
      will be checking back soon. Take a look at my webb site too and
      tell me your opinion.

      Also visit my homepage :: Andy

  16. Antalya havaalanı transfer, alanında hizmet veren Antalya Transfer CLK Firması transfer servis araçlarıyla konforlu ve güvenli yolculuğu hesaplı fiyat politikasıyla beraber müşterilerine en iyi şekilde sunmaktadır.

    Araç filomuza kattığımız hem VIP hemde STANDART servis araçlarımızla misafirlerimizi Antalya havalimanından alarak istedikleriyle lokasyona transferlerinde hizmetinizdeyiz. Antalya havalimanı transferinde saat ve zaman önemli olduğu için misafirlerimiz asla beklemezler ve randevularına geç kalmazlar.
    Antalya Transfer CLK Firması olarak mutlu tatiller dileriz

  17. Hi there! This post couldn’t be writtdn any better!
    Looking at this article rwminds me off my previous roommate!
    He continually kept preaching about this. I’ll forward this post to him.
    Fairly certain he’ll have a very good read. Thank you for sharing!

    my blog post … Movers

  18. hello there and thank you for your info – I’ve certainly picked up anything new from right here. I did however expertise some technical points using this web site, since I experienced to reload the site many times previous to I could get it to load correctly. I had been wondering if your hosting is OK? Not that I am complaining, but sluggish loading instances times will sometimes affect your placement in google and could damage your quality score if ads and marketing with Adwords. Anyway I’m adding this RSS to my email and could look out for a lot more of your respective fascinating content. Ensure that you update this again soon..

  19. Wonderful goods from you, man. I have have in mind your stuff prior to and you are simply extremely magnificent. I actually like what you’ve obtained right here, certainly like what you are saying and the best way wherein you say it. You are making it enjoyable and you continue to care for to stay it wise. I cant wait to learn far more from you. That is really a tremendous site.

  20. I found your blog site on google and check a number of of your early posts. Continue to maintain up the excellent operate. I simply additional up your RSS feed to my MSN News Reader. Searching for ahead to studying more from you later on!…

  21. Greetings from Colorado! I’m bored to tears at work so Idecided to check out your
    blog on my iphone during lunch break. I love the information you present here and can’t wait to take a look when I get home.
    I’m shocked at how fast your blog loaded on my phone ..
    I’m not even using WIFI, just 3G .. Anyhow, wonderful site!

    Here iss my website Nick

  22. I absolutely love your blog and find most of your post’s to be precisely what I’m looking for. Would you offer guest writers to write content to suit your needs? I wouldn’t mind composing a post or elaborating on most of the subjects you write about here. Again, awesome weblog!

  23. Cool article! Interesting article over here. It’s pretty worth enough for me. In my opinion, if all webmasters and bloggers made good content as you did, the net will be much more useful than ever before.| I couldn’t refrain from commenting. I have spent 3 hours trying to find such infos. I’ll also share it with some friends interested in it. I have just bookmarked this web. Now with the task done, I’ll enjoy some online gay Cams. Gracias!!! Greetings from Scotland!

  24. I was wondering if you ever considered changing the structre of your blog?
    Itts very well written; I love what youve got to say.
    But maybe you could a little more in the way off content
    so people could connect with it better. Youve got an awful lot of text
    for only having one or two pictures. Maybe you could space it out better?

    My webpoage porno

  25. Good one! Interesting tips over here. It is pretty worth enough for me. Personally, if all site owners and bloggers made good content as you did, the internet will be a lot more useful than ever before. I could not refrain from commenting. I’ve spent some hours searching for such tips. I’ll also share it with some friends interested in it. I have just bookmarked this website. Finished with the task done, I’ll find some model hot gay cams. Thanks!! Greetings from Los Angeles!

  26. Hello there! This article could not be wwritten any better!
    Looking through this post reminds mee of my previous roommate!

    He continually kept talking about this.I am going too send
    this article to him. Fairly certain he’ll have a good read.
    I appreciate you for sharing!

    Have a look at my webb page: lablue

  27. Cool one! Interesting information over this site. It’s pretty worth enough for me. In my view, if all webmasters and bloggers made good content as you did, the internet will be a lot more useful than ever before. I could not refrain from commenting. I have spent some time trying to find such informations. I will also share it with a couple of friends interested in it. I have just bookmarked this web. Done with the search done, I’ll find some online gay cams. Thanks!! Greetings from Orlando!

  28. I wwas cuious if you ever thought oof changing the layout of
    your blog? Its very well written; I love wha youve got to say.
    But maybe you could a little more inn the way of content so people could connect with it better.

    Youve got an awful loot of text for only having 1 or 2 images.
    Maybee youu could spac it out better?

    Feel free to visit my web site: jam jest expert

  29. Paykasa, 16 haneli pin kodundan oluşan, daha önce çok yaygın olarak kullanılan bir ön ödemeli kart türüne benzeyen, içerisinde euro bakiyesi olan bir ön ödemeli sanal karttır. İçerisindeki bakiyeler özel olarak üretilemediği için standart kart bakiyeleri 10, 20, 50, 100, 150, 250 tek kart bakiyesi olarak satılmaktadırlar. Tek kullanımlık bir kart olan paykasa kart, kullanılan sitede kartın bakiyesini girmenize gerek kalmadan sadece 16 haneli tek kullanımlık koduyla işlem yapmanıza olanak sağlamaktadır.

  30. Good one! Interesting informations over this web. It is pretty worth enough for me. In my opinion, if all website owners and bloggers made good content as you did, the web will be a lot more useful than ever before.| I could not resist commenting. I have spent 2 hours trying to find such informations. I’ll also share it with a couple of friends interested in it. I’ve just bookmarked this website. Right now with the search done, I going to watch some model gay webcams. Gracias!!!Greetings from Orlando!

  31. Thanks a lot for giving everyone remarkably remarkable possiblity to read from here. It’s always so lovely and stuffed with a lot of fun for me and my office friends to visit your web site at the very least 3 times in 7 days to study the new stuff you have. And of course, I am usually satisfied for the amazing thoughts you give. Some 4 tips in this post are without a doubt the best we’ve ever had.

  32. Good! Interesting information over this web. It’s pretty worth enough for me. In my view, if all web owners and bloggers made good content as you did, the net will be a lot more useful than ever before.| I could not refrain from commenting. I ‘ve spent 1 hour trying to find such infos. I will also share it with a couple of friends interested in it. I’ve just bookmarked this web. Now with the task done, I will find some live gay webcams. Thanks!!Greetings from Monterrey!

  33. Good info! Interesting information over this website. It is pretty worth enough for me. In my opinion, if all webmasters and bloggers made good content as you did, the web will be a lot more useful than ever before.| I couldn’t refrain from commenting. I have spent some time trying to find such informations. I’ll also share it with a couple of friends interested in it. I have just bookmarked this web. Now with the search done, I going to visit some online homo cams. Thanks!!Greetings from Los Angeles!

  34. There’s nothing hotter in this entire world than seeing two girls make sweet love. Seeing a girl face deep in pussy is a dream come true. Dreams have a way of turning into reality at https://t.frtyt.com/ekuezzm5kw?aff_id=29696&offer_id=5407&nopop=1 This site is dedicated to stepsisters who love to lick and finger each other. You always knew stepsisters did this sort of thing with each other. You just never seen it with your own eyes until now!

  35. A formidable share, I just given this onto a colleague who was doing just a little evaluation on this. And he actually bought me breakfast as a result of I discovered it for him.. smile. So let me reword that: Thnx for the treat! But yeah Thnkx for spending the time to discuss this, I feel strongly about it and love studying extra on this topic. If doable, as you become expertise, would you thoughts updating your weblog with extra details? It is extremely helpful for me. Huge thumb up for this blog publish!

    • Does your site have a contact page? I’m having trouble locatong it but, I’d like to swnd you an email.
      I’ve got some ideas for your blog you might
      be interested in hearing. Either way, great site and I look forward to seeing iit devellop
      ovsr time.

      my weblog Alvaro

  36. This blog is definitely rather handy since I’m at the moment creating an internet floral website – although I am only starting out therefore it’s really fairly small, nothing like this site. Can link to a few of the posts here as they are quite. Thanks much. Zoey Olsen

  37. Good one! Interesting information over this web. It’s pretty worth enough for me. In my opinion, if all webmasters and bloggers made good content as you did, the internet will be much more useful than ever before.| I could not resist commenting. I have spent some hours looking for such informations. I will also share it with a couple of friends interested in it. I have just bookmarked this web. Finished with the work done, I going to visit some live gay cams. Merci!!Greetings from Monterrey!

  38. Howdy very nice blog!! Guy .. Excellent .. Wonderful .. I’ll bookmark your website and take the feeds also…I’m glad to search out numerous useful information right here within the put up, we need develop extra techniques on this regard, thank you for sharing.

  39. Are you looking to get laid today? As in right this fucking minute? If so, then you need to check out https://t.hrtye.com/ze97vsfi2o?aff_id=29696&offer_id=5614&nopop=1 This is the one site where you can get some action the same day you join. Don’t even fool around with Facebook and those other so called dating sites. You’re never going to get laid at any of those places. There’s all kinds of pussy just waiting for you to pound it silly here. Don’t forget to buy a box of condoms while you’re out today. You’re going to need them!

  40. Just wish to say your article is as amazing. The clearness in your post is just spectacular and i can assume you are an expert on this subject. Fine with your permission allow me to grab your feed to keep updated with forthcoming post. Thanks a million and please continue the enjoyable work.

  41. Please lett me know if you’re looking for a article autyhor for your blog.
    Youu hage some really good post and I think I would be a good asset.
    If you ever want to take some of the load off, I’d really like to write some content for ylur blog in exchange for a link
    back to mine. Please blast me an email if interested.
    Cheers!

    Feeel freee to visit my web page: Vasil Bojkov

  42. Good! Interesting article over here. It is pretty worth enough for me. In my view, if all site owners and bloggers made good content as you did, the internet will be much more useful than ever before.| I couldn’t resist commenting. I ‘ve spent some time searching for such informations. I’ll also share it with a couple of friends interested in it. I have just bookmarked this web. Right now with the work done, I’ll visit some live gay webcams. Merci!!Greetings from Los Angeles!

  43. you’re really a just right webmaster. The web site loading speed is incredible. It kind of feels that you are doing any unique trick. Also, The contents are masterpiece. you’ve performed a wonderful activity on this topic!

  44. A nice post. My partner and I particularly had trouble understanding some points you mentioned in your write-up. I later realized what you were saying after I had understood some of your linked posts on this site. Important things have changed greatly together with the advent of internet, online community, and mobile phone SMSing. Thanks for getting the whole thing to my personal understanding.

  45. https://diyathletereviews.com/sex review

    I just wanted to tell you how much my partner and i appreciate anything you’ve discussed to help improve the lives of men and women in this subject matter. Through your current articles, I have gone through just a newcomer to a professional in the area. It’s truly a gratitude to your good work. Thanks Nobel Calling Cards

  46. Are you sick and tired of being lonely? Why should you not have someone special in your life? Everyone deserves to find love. You can find that and a whole lot more at https://t.irtyc.com/avekqggwlc?aff_id=29696&offer_id=3785&bo=2753,2754,2755,2756 This is one of those sites where it’s super easy to hook up. You’ll meet all kinds of girls. Don’t sit on the couch and hang out online all night. Hook up with a chick and have yourself a little fun. Every guy deserves to have a gal in his life. What are you waiting on?! Connect with a cutie today and put a smile all over your face.

  47. https://diyathletereviews.com/sex review

    I discovered your site web site on bing and check a couple of your early posts. Always maintain up the great operate. I simply additional increase Rss to my MSN News Reader. Seeking forward to reading much more by you down the road!…

  48. https://diyathletereviews.com/sex review

    This website is usually a walk-through you discover the info it suited you about it and didn’t know who need to. Glimpse here, and you’ll definitely discover it.

  49. Paykasa yüzbinlerce platformda alışverişlerde kullanabileceğiniz ön ödemeli bir karttır.
    Paykasa kart kullanıcıları basit işlem yapmak ve güvenli alışveriş için online alışverişlerde paykasa kartı tercih etmektedirler. paykasa al firması olarak bizlerden güvenli bir şekilde satın alanilirsiniz.

  50. Excellent goods from you, man. I’ve take into accout your stuff prior to and you’re just too magnificent. I really like what you’ve received right here, certainly like what you’re saying and the way in which through which you say it. You are making it enjoyable and you continue to take care of to stay it smart. I can’t wait to learn much more from you. That is actually a terrific website.

  51. Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You clearly know what youre talking about, why waste your intelligence on just posting videos to your blog when you could be giving us something enlightening to read?

  52. Are you the type of guy who likes to look at fat girls naked? If so, then https://t.frtyh.com/755v8haio0?aff_id=29696&offer_id=5331&bo=2753,2754,2755,2756 is the site you’ve been searching for. It’s full of nothing but sexy fat women. These big beautiful women are exactly what your eyeballs have been begging to see. Don’t be surprised if you pop a boner while looking at these hefty honeys. They’re full of curves and are exactly what your penis likes.

  53. I’m seriously enjoying the design of your weblog. Do you come across any kind of browser interface issues? A lot of the website visitors have lamented about my omega xl pills website not operating appropriately in Explorer yet looks excellent in Chrome. Do you have any ideas to assist fix the issue?

  54. I’ve been exploring for a little bit for any high quality articles or blog posts on this sort of space . Exploring in Yahoo I ultimately stumbled upon this web site. Studying this information So i am satisfied to show that I have a very good uncanny feeling I came upon exactly what I needed. I most unquestionably will make sure to do not put out of your mind this web site and give it a look regularly.

  55. I’m seriously enjoying the design of your weblog. Do you come across any kind of browser interface issues? A lot of the website visitors have lamented about my omega xl pills website not operating appropriately in Explorer yet looks excellent in Chrome. Do you have any ideas to assist fix the issue?

  56. seo uzmanı olarak şirketimiz php seo hizmeti vermektedir günümüz ortamında site sahiplerinin php bilgisi nekadar iyi olsada php seo metotları arama motorlarında optimize edilmesi gereken hususlardan bir tanesi web siteniz nekadar iyi olsada arama motorlarına duyarlı olmasına özen gösterin. php seo uzmanlarımızdan destek alabilirsiniz sitenizi aramotorlarına duyarlı hale geçirelim.

  57. Hey There. I found your blog using msn. This is a really well written article. I’ll be sure to bookmark it and come back to read more of your useful information. Thanks for the post. I’ll certainly comeback.

  58. Unquestionably consider that which you said. Your favourite justification appeared to be at the web the simplest thing to take into accout of. I say to you, I definitely get irked at the same time as people consider worries that they just don’t understand about. You controlled to hit the nail upon the top and also defined out the whole thing with no need side-effects , people could take a signal. Will probably be back to get more. Thank you

  59. I am just commenting to make you be aware of what a excellent discovery our child obtained going through your web page. She learned lots of issues, not to mention what it’s like to possess a wonderful helping mood to get other folks quite simply gain knowledge of selected impossible issues. You really did more than our expected results. Thank you for producing these invaluable, dependable, informative and unique thoughts on the topic to Ethel.

  60. When I originally commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get four e-mails with the same comment. Is there any way you can remove me from that service? Thanks!

  61. Does your website have a contact page? I’m having a tough time locating it but, I’d like to send you an email. I’ve got some ideas for your blog you might be interested in hearing. Either way, great site and I look forward to seeing it expand over time.

  62. Hi! I know this is kinda off topic however , I’d figured I’d ask. Would you be interested in exchanging links or maybe guest writing a blog post or vice-versa? My site discusses a lot of the same topics as yours and I think we could greatly benefit from each other. If you might be interested feel free to send me an e-mail. I look forward to hearing from you! Great blog by the way!

  63. I and my friends have already been looking through the good information and facts found on your website then suddenly came up with a terrible feeling I never expressed respect to the blog owner for those techniques. These young boys are already for that reason glad to read through them and already have very much been taking pleasure in these things. We appreciate you getting really accommodating and also for figuring out varieties of incredible resources millions of individuals are really eager to discover. Our honest regret for not expressing appreciation to you earlier.

  64. Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You obviously know what youre talking about, why waste your intelligence on just posting videos to your blog when you could be giving us something informative to read?

  65. hey there and thanks for your info – I have definitely picked up something new from right here. I did then again expertise several technical issues using this web site, since I skilled to reload the web site lots of times previous to I may get it to load properly. I have been brooding about if your web host is OK? No longer that I am complaining, however slow loading instances instances will often affect your placement in google and can damage your high-quality rating if advertising and ***********|advertising|advertising|advertising and *********** with Adwords. Well I am including this RSS to my e-mail and could glance out for a lot more of your respective fascinating content. Ensure that you replace this again very soon..

  66. Hey there would you mind letting me know which webhost you’re utilizing? I’ve loaded your blog in 3 different internet browsers and I must say this blog loads a lot quicker then most. Can you suggest a good web hosting provider at a honest price? Thanks, I appreciate it!

  67. I enjoy you because of all your effort on this website. My daughter enjoys managing investigation and it’s really obvious why. My partner and i learn all relating to the compelling manner you produce rewarding tricks on this website and in addition invigorate contribution from others on the idea so our favorite child is without question studying so much. Have fun with the rest of the new year. You are always doing a really good job.

  68. Thank you so much for giving everyone remarkably nice chance to discover important secrets from this web site. It really is very pleasurable and as well , stuffed with fun for me and my office mates to search your website at the least 3 times every week to read through the latest issues you have. And lastly, I am actually astounded with the good advice served by you. Certain 1 ideas on this page are honestly the most efficient I have had.

  69. Hello! This is kind of off topic but I need some advice from an established blog. Is it difficult to set up your own blog? I’m not very techincal but I can figure things out pretty fast. I’m thinking about setting up my own but I’m not sure where to start. Do you have any points or suggestions? Many thanks

  70. With havin so much written content do you ever run into any issues of plagorism or copyright infringement? My blog has a lot of unique content I’ve either created myself or outsourced but it looks like a lot of it is popping it up all over the web without my authorization. Do you know any ways to help reduce content from being ripped off? I’d really appreciate it.

  71. I added a new blog post yesterday. There’s a smaller list than usual in it.

    I’m currently working on a bigger list. It’s going to take some time to compile it.
    I hope all of you are having a good week. I’m planning on doing some design changes to my site.
    I’m also thinking about adding some new things too. I’ll
    talk more about that in the days and weeks to come.

  72. Great goods from you, man. I’ve have in mind your stuff prior to and you are just too wonderful. I actually like what you’ve received right here, really like what you’re stating and the best way wherein you assert it. You are making it entertaining and you continue to care for to stay it wise. I can’t wait to read much more from you. That is actually a wonderful web site.

  73. Paykasa, online ödeme sistemine alternatif olan paykasa kartı, güvenle alışverişlerinizde kullanabilirsiniz, Ön ödeme yöntemlerinden bir tanesi olan paykasa kart siparişi ve bozumu ile ilgili detaylı bilgi edinmek için eeb sitemizi ziyaret ederek ekonomik fiyatlardan sizde yararlanın paykasa al

  74. My coder is trying to persuade me to move to .net from PHP.

    I have always disliked the idea because of the expenses.
    But he’s tryiong none the less. I’ve been using Movable-type on a number of
    websites for about a year and am concerned about switching to
    another platform. I have heard fantastic things about blogengine.net.
    Is there a way I can transfer all my wordpress posts into it?
    Any help would be greatly appreciated!

  75. Hi! I realize this is sort of off-topic however
    I had to ask. Does building a well-established website like yours require a massive
    amount work? I am brand new to blogging but I do write in my diary on a
    daily basis. I’d like to start a blog so I will be able to share my personal experience and feelings
    online. Please let me know if you have any recommendations
    or tips for brand new aspiring bloggers.

    Appreciate it!

  76. I have noticed that car insurance providers know the vehicles which are at risk of accidents and other risks. Additionally they know what sort of cars are prone to higher risk as well as the higher risk they’ve already the higher the particular premium charge. Understanding the basic basics of car insurance will allow you to choose the right kind of insurance policy which will take care of the needs you have in case you happen to be involved in an accident. Appreciate your sharing the ideas on the blog.

  77. Does your site have a contact page? I’m having a tough time locating it but, I’d like to shoot you an email. I’ve got some recommendations for your blog you might be interested in hearing. Either way, great site and I look forward to seeing it grow over time.

  78. A lot of of the things you mention is astonishingly precise and that makes me wonder why I had not looked at this with this light before. This article really did switch the light on for me personally as far as this topic goes. However at this time there is one position I am not really too comfy with so while I try to reconcile that with the actual core idea of the point, let me observe just what the rest of your visitors have to point out.Well done.

  79. Have you ever considered creatingg an ebolk orr guest authoring on other sites?
    I have a blog baswed on tthe same information you discuss and would love to have you share some stories/information. I know my visitors would appreciate your
    work. If you’re even remotely interested, feel free to send me an e mail.

    Here is my web-site – upskirt

  80. Oh my goodness! an incredible article dude. Thanks However I am experiencing problem with ur rss . Don’t know why Unable to subscribe to it. Is there anyone getting identical rss downside? Anybody who is aware of kindly respond. Thnkx

  81. Please let me know if you’re looking for a article writer
    for your weblog. You have some really gooid posts and
    I think I would be a good asset. If you ever want to take some oof the load off, I’d absolutely love to write some articles for
    your blog in exchange for a link back too mine. Please shoot me an email iff interested.

    Cheers!

    Feel free to visit my web page – cial avec viagra à baiser sur sans-ordonnance.guide/

  82. Do you mind if I quote a few of your articles as long as I provide credit and sources back
    to your webpage? My website is in the exact same niche as yours and
    my users would really benefit from a lot of the information you provide here.
    Please let me know if this ok with you. Thanks!

  83. Learning graphic editing software is even pricier. Chalkboard is a popular and always interesting graphic style that is often used in food and drink industry, for apparel, even company branding. There are many kinds of a chalkboard art – vintage, modern, grunge, black/white, color chalk, retro-hipster, art deco, etc. Any chalkboard style is interesting and attracting if done right – but don’t get your chalk artwork from someone who will butcher it, use cheap fonts and make it look cheezy. There are many online portals, forums and galleries dedicated to this “art phenomenon” that came back some 10 years ago and is here to stay for a long haul. You can also check many pinterest tags, websites like chalkboardstyle.com, etc. It’s easy to find good chalkboard artwork online. There are even sellers on Fiverr who will create you amazing chalk artwork for a price of a beer or two. You don’t have to learn photoshop and other graphic programs just to design your own chalkboard menus and flyers. But if you’re into DIY, there are also many chalkboard kits, sets and premade templates that will make your life much easier:) Happy Chalkboarding!

  84. Definitely believe that which you said. Your favorite reason appeared to be on the web the easiest thing to be aware of.
    I say to you, I certainly get irked while people consider worries that they plainly don’t know
    about. You managed to hit the nail upon the top as well
    as defined out the whole thing without having side effect ,
    people could take a signal. Will probably be
    back to get more. Thanks

  85. Hello there! I know this is kinda off topic nevertheless I’d figured I’d ask.
    Would you be interested in exchanging links or maybe guest writing a blog article or vice-versa?
    My website discusses a lot of the same subjects as yours and I think we could
    greatly benefit from each other. If you are interested feel free to send me an e-mail.
    I look forward to hearing from you! Terrific blog by the way!

    • Hello there! This is kind of offf topic but Ineed some guidance from an established blog.
      Is iit hard to set up your own blog? I’m not very techincal but I can figure things out pretty quick.
      I’m thinking about creating my own but I’m not sure where
      to begin. Do you have any ideas or suggestions? Many thanks

      My site; Brigida

  86. Howdy I am so happy I found your weblog, I reawlly found you by accident,
    while I was searching on Askjeeve for something else, Anyhow I am
    here now and would just like to say thank you for a tremendous post and
    a all round thrilling blog (I also love the theme/design), I don’t have time to look over it
    all at the moment but I have bookmarked it and also added your RSS feeds, so whn I have time
    I will be back to read more, Please do kee up the excellent
    job.

    Feel free to visit my homepage; blow job

  87. My spouse and I stumbled over here different page and
    thought I may as well check thingbs out. I like what I see sso i am just following you.

    Look forward to llooking at your web page repeatedly.

    My website gay

  88. I have a degree in psychology, which I have found to be useless. And I am planning on going back to school and getting a Masters in Creative Writing, because I enjoy writing and would love to learn more techniques to make myself a better writer. I am worried, however, that this degree will not open up many doors in terms of the job market (just as my psychology degree has failed to do). Any thoughts? Thank you..

  89. There are certainly a lot of details like that to take into consideration. That may be a nice point to carry up. I offer the ideas above as basic inspiration however clearly there are questions just like the one you convey up where a very powerful thing will likely be working in trustworthy good faith. I don?t know if greatest practices have emerged around things like that, however I am positive that your job is clearly identified as a fair game. Both boys and girls feel the impact of just a second’s pleasure, for the rest of their lives.

  90. An impressive share, I just now with all this onto a colleague who has been doing small analysis on this. And hubby in fact bought me breakfast simply because I stumbled upon it for him.. smile. So ok, i’ll reword that: Thnx for your treat! But yeah Thnkx for spending enough time go over this, I feel strongly regarding it and love reading on this topic. If it is possible, as you grow expertise, would you mind updating your blog post to comprehend details? It is actually extremely ideal for me. Massive thumb up due to this post!

  91. What i do not understood is actually how you are not actually a lot more smartly-liked than you might be now. You’re very intelligent. You understand therefore considerably in the case of this topic, produced me personally consider it from a lot of numerous angles. Its like women and men don’t seem to be fascinated until it is one thing to accomplish with Girl gaga! Your personal stuffs nice. All the time take care of it up!

  92. Woah! I’m really enjoying the template/theme of this website. It’s simple, yet effective. A lot of times it’s very difficult to get that “perfect balance” between superb usability and visual appearance. I must say you’ve done a superb job with this. Also, the blog loads super fast for me on Chrome. Superb Blog!

  93. Can I simply say what a relief to find an individual who actually knows what they are talking about over
    the internet. You certainly understand how to bring a problem to light and make it important.
    More and more people should read this and understand this side of the story.
    I was surprised you are not more popular because you definitely have
    the gift.

  94. Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You obviously know what youre talking about, why throw away your intelligence on just posting videos to your blog when you could be giving us something enlightening to read?

  95. Hmm it seems like your blog ate my first comment (it was extremely long) so I guess I’ll just sum it up what I wrote and say, I’m thoroughly enjoying your blog. I too am an aspiring blog blogger but I’m still new to everything. Do you have any helpful hints for newbie blog writers? I’d definitely appreciate it.

  96. Howdy just wanted to give you a quick heads up and let you know a few of the pictures aren’t loading correctly. I’m not sure why but I think its a linking issue. I’ve tried it in two different browsers and both show the same results.

  97. Its like you read my mind! You appear to know a lot about this, like you wrote the book in it or something. I think that you can do with a few pics to drive the message home a little bit, but instead of that, this is great blog. A fantastic read. I’ll definitely be back.

  98. Today, I went to the beach with my children. I found a sea shell and
    gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell
    to her ear and screamed. There was a hermit crab inside and it pinched
    her ear. She never wants to go back! LoL I know this is totally off topic but I had to tell someone!

  99. Wonderful website you have here but I was wanting to know if you knew of
    any forums that cover the same topics discussed in this article?

    I’d really love to be a part of group where I can get opinions from
    other knowledgeable people that share the same interest.
    If you have any suggestions, please let me know.
    Many thanks!

  100. Good Info Buddy. It Helps a lot. Love to see you posts. Our Indian Escorts in Hyderabad are very discrete, honest and professional with client. Our Escort girls offer in call and outcall services in every major area in Hyderabad. Our most trusted Indian Escorts having great intelligence, humour and charm to seduce the clients. They’ll make surely your remain in Hyderabad will become ne’er -to-be-forgot. In become the escort agency Hyderabad-Love insures that everybody is covered discreet, professional and anonymous. Contact Miss Anjali @ http://www.missanjali.com

  101. Hello! I know this is kinda off topic however I’d figured I’d ask. Would you be interested in exchanging links or maybe guest authoring a blog post or vice-versa? My blog goes over a lot of the same topics as yours and I feel we could greatly benefit from each other. If you’re interested feel free to shoot me an email. I look forward to hearing from you! Wonderful blog by the way!

  102. Wonderful sitfe yyou have here but I was curious about if you knew of any discussion boards that cover the same topics
    discussed in this article? I’d really love to be a part of community where
    I can get advice frm other experienced pekple that share
    the same interest. If you have any suggestions, please let me know.Thanks!

    My site bitch

  103. I really like your blog.. very nice colors & theme. Did you design this website yourself or did you hire someone to do it for you? Plz answer back as I’m looking to create my own blog and would like to know where u got this from. many thanks

  104. Its like you learn my thoughts! You seem to understand so much about this, like you wrote the guide in it or something. I think that you could do with a few % to drive the message home a little bit, however other than that, that is wonderful blog. A great read. I’ll certainly be back.

  105. Thank you for sharing superb informations. Your web-site is so cool. I am impressed by the details that you have on this site. It reveals how nicely you perceive this subject. Bookmarked this website page, will come back for extra articles. You, my pal, ROCK! I found simply the information I already searched everywhere and just couldn’t come across. What a perfect web-site.

  106. Great – I should definitely pronounce, impressed with your site. I had no trouble navigating through all tabs and related information ended up being truly simple to do to access. I recently found what I hoped for before you know it at all. Quite unusual. Is likely to appreciate it for those who add forums or something, site theme . a tones way for your client to communicate. Excellent task..