Financial Reform Laws and Its Unintended Consequences – OUCH! | laws and issues

We now have the War and Peace version of the Dodd Frank law in affect. But how is this going to affect real estate business? Is it going to stimulate the real estate industry? Stabilize home values? What about making it easier and inexpensive for consumers when obtaining a California real estate loan or a loan in any state?All answers in my opinion are no. Something had to be done but was the result wasn’t researched or thought out very well.When politicians make decisions and reform to something that they know very little about, isn’t a good idea. Creating sweeping reform using one’s own personal morals isn’t good for business either.For example, limiting a lender contact and not allowing the selection of a specific appraiser (unless the appraiser works as an employee of the lender) is morally a good idea.The result? Appraisal fees have gone up by 25%-50%. Who foots that bill? We do.As a result, many experienced appraisers have left the business and many times appraisers are coming from long distances to appraise a home and know nothing about the local area. This doesn’t bode well for home values.The appraisal issue isn’t a part of the Dodd Frank financial reform. However it’s just an example on how its unintended consequence can affect our wallets.Another moral choice was made in that it’s not right to mark up an interest rate on a California real estate loan which means the lender and loan originator can make more money on a transaction.Sounds fair right? Think again. That mark up on the interest rate frees up a pool of funds that could have gone to the lender as income OR the borrower and could have been used to pay for borrowers closing costs and fees. This is beneficial for first time home buyers who are short on cash and borrowers who don’t want to pay fees on their refinance loan. As a result of the new legislation, neither of these options will be available.On the surface the moral compass is right but there’s wasn’t enough research as to how this change was going to affect all consumers.The credit card part of the reform further illustrates. Credit card issuers no longer can charge predatory fees and rates. But really how many people were paying these rates? Less than 15% of the nation and we all now have to pay in one way or another.Again the moral compass is good. Banks now lacking that income are cutting rebate programs and free checking accounts are no longer going to be free, and preferred interest rates on cards are going up.How is this good for the majority of America?The biggest surprise of the financial reform is that the largest bailouts in American history was given to mortgage giants Fannie Mae and Freddie Mac and they were completely left out of the financial reform act. WOW.2011 will be one of historic proportions since all this new legislation becomes part of our daily lives.Are there more unintended consequences are in store? One thing is for certain it won’t make it any easier or cheaper for the person trying to obtain a California real estate loan or in general, on the middle class American consumer.

Missing Paula – 4 Baby Steps Toward Hiring Help for Your Small Business | business services

I miss Paula.Paula was my administrative assistant at the second to last J.O.B. I ever worked and, truth be told, she did it all. I just bungled along making decisions, solving problems, attending meetings and Paula took care of business.Since I left that job many is the times I’ve said to myself, “I need a Paula.”Despite my glaring need for someone to help me get the work done, it took me years to hire my first virtual assistant for my entrepreneur program.For a small business owner, hiring someone to help can seem like a pipe dream but it is a wise one. When you concentrate your time and energy on doing what it is you do well and outsource business services or hire someone to do the rest, you maximize your progress toward the success you want.However, for the small business entrepreneur, this step into management can be intimidating and expensive. As with all business initiatives, it is best to start small and have a plan.Here are some steps to get you started.Step One – Take InventoryKnow what it is you do each day.Begin by keeping track for a week or two of all the tasks you are currently doing that could be done by someone else – or the tasks that you are not doing that should be done.Personally I was spending time learning online tools to help me get my message out. This learning curve kept me comfortably hidden away in my office instead of out meeting and following up with my target market. Finding someone who already knows how to use these tools was an obvious and overdue move.Step Two – Set a BudgetTo begin, set a very small budget. One you can afford over time.If you are at an early start up phase, it is possible that your financial business plan, does not allow for additional expenses. If this is the case, consider finding money in your budget. Can you eliminate certain subscriptions, additional phone or cable service?To verify that your budget is realistic, review the tasks you believe you can delegate and document your processes or, in the case of tasks you are not doing, imagine the process.As a natural introvert, I found I was falling short on the necessary follow up to my face-to-face networking. I originally envisioned my assistant as a new Paula, making efficient and effective phone calls to arrange follow up meetings with potential clients but, as I followed my own business coaching advice, I discover other small business services that I desperately needed.To clarify my vision in a written request for proposal (RFP) I made some educated guesses about what my ideal follow-up process would look like: how many leads I would provide each week, how long it would take for my new Paula to follow up by phone, how often she would have to call to make contact.I kept asking, “What would happen next?” By asking this question over and over I developed my process to the very end: the point where the prospect signed or I gave up. Once I had a clear picture of the steps, I could estimate the number of hours I would require.Step Three -Check RealityAdjust your wish list to fit your budget.Hourly prices for virtual assistants range widely. For American or “on shore” help expect to pay $20 to $40 dollar an hour; outsource your tasks overseas, “off shore”, and hourly wages are surprisingly low but come with time zone differences and language issues. Knowing the details of each task will help you make decisions to fit your budget.Step Four – Ask for HelpWrite up a request for proposal (RFP)Review the tasks you believe you can delegate and determine what role you would like your assistant to play. If you have documented your processes, your RFP will be easy to write. If not, you may want to download How to Describe a Task available for free on my website.Once you have your RFP prepared, post it at some or all of these sites. Then sit back and wait for the offers of help.International Virtual Assistants AssociationElance.comVANetworkingTwitterFacebookAs it turned out, after just a few weeks, I found many other uses for my virtual assistant. So far she has done much of the technical work for my In the Trenches newsletter and web site maintenance for my other business. It is a learning process and all is not perfect but I am amazed at what’s been accomplished in just one month. I would not have been able to do it on my own.Now, given my changing requirements, I need to revisit my initial RFP; repost to Elance or other sites and see if I can’t find a specialist who needs less direction and can work quicker and/or cheaper.I am still looking for Paula but a least I am no longer trying to BE Paula.


Used auto parts Sewa bus hiace pariwisata murah di Bali Sewa bus hiace pariwisata murah di Bali Sewa bus hiace pariwisata murah di Bali Sewa bus hiace pariwisata murah di Bali www.skplace.ga www.jrgruop.gq www.rrirr.gq www.klimtir.gq www.obena.gq www.mkoles.cf www.lihoss.gq patonza-info.cf onlymm-info.cf sadkwp-info.cf kidscci-info.cf inediti-info.cf panpis-info.cf soswrap-info.cf voltoy-us.ga tsigaro-info.cf lifavel-us.ga uimsa-us.ga mmmspb-us.ga linnsen-us.ga lifavel-us.gq kdeden-us.ga rootus-us.gq payaccz-us.ga wakia-us.ga usmecs-us.ga oksit-us.ga godsrig-us.ga roastrs-us.ga roastrs-us.gq ncddp-us.ga visons-us.gq prepmvp-us.ga omuzi-us.ga stvtcc-us.ga flyduck-us.ga myqaly-us.gq okskill-us.gq ncddp-us.gq prepmvp-us.gq mypsd-us.gq omuzi-us.gq masarch-us.gq kephera-us.ga stvtcc-us.gq pegar-us.ga tieners-us.ga meadna-us.ga theicmo-us.ga naztys-us.ga kephera-us.gq pegar-us.gq theicmo-us.gq gbmclub-us.gq fartfix-us.gq wwldc-us.gq iiestc-us.gq pczpr-us.gq wyfmw-us.ga wwwflu-us.gq talova-us.ga jehoel-us.gq infoorm-us.ga tnpride-us.gq ibrug-us.gq mdflam-us.ga macql-us.ga taddell-us.gq igboris-us.gq iaipwa-us.gq mdflam-us.gq mjtoy-us.gq macql-us.gq kfonow-us.gq ratelle-us.ga kighie-us.ga newsse-us.ga hebln-us.ga sarvome-us.gq niyausa-us.gq ratelle-us.gq kighie-us.gq newsse-us.gq laghg-us.gq hebln-us.gq weblogd-us.gq jilnova-us.ga lgparts-us.ga goebook-us.ga gotshag-us.ga goebook-us.gq infoorm-us.gq lgparts-us.gq gotshag-us.gq ravintl-us.ga inserg-us.ga ifamso-us.gq ieltsks-us.gq psyteh-us.gq seongji-us.gq marcpro-us.gq wtfblog-us.gq taxigeo-us.gq gayobx-us.gq obloh-us.ga sidid-us.ga gxzcgcs-us.ga fcbpi-us.ga faruel-us.ga obloh-us.gq gxzcgcs-us.gq mcecdi-us.gq teftor-us.ga osshm-us.ga seongji-us.ga haqode-us.ga leminou-us.ga fokmafo-us.ga faruel-us.gq fllpac-us.ga teftor-us.gq snoee-us.gq osshm-us.gq haqode-us.gq leminou-us.gq peetswg-us.ga kdscom-us.ga uggsie-us.ga lytjsk-us.ga scamba-us.ga idonu-us.ga uvminc-us.ga peetswg-us.gq kdscom-us.gq uggsie-us.gq lytjsk-us.gq iaipwa-us.ga radyoay-us.ga mjsbook-us.ga massghg-us.ga tnpride-us.ga ibrug-us.ga icfior-us.gq radyoay-us.gq mjsbook-us.gq medpf-us.gq sircart-us.ga ljost-us.gq sircart-us.gq taniyan-us.gq vdopda-us.ga uceic-us.gq onsamui-us.ga rstci-us.gq zeofito-us.gq onsamui-us.gq mbocean-us.gq scache-us.gq rcupg-us.ga solatra-us.gq rcupg-us.gq pegadi-us.gq lytac-us.gq tsrcw-us.ga norsol-us.gq vuvel-us.ga feedtag-us.cf feedtag-us.gq extenz-us.cf extenz-us.gq fixmap-us.gq espms-us.cf expopix-us.cf expopix-us.gq fermt-us.cf fermt-us.gq ewsjag-us.cf ewsjag-us.gq evmom-us.cf evmom-us.gq fadawa-us.cf fcfarc-us.cf fotzs-us.cf fototur-us.cf gccib-info.gq jctstf-info.cf jecrew-info.cf jamptx-info.cf jecrew-info.gq jamptx-info.gq yuoku-info.gq glknet-info.cf souppa-info.cf jkzgh-info.gq rhiel-info.cf ingrin-info.cf tczxjy-info.cf souppa-info.gq rhiel-info.gq jyygw-info.gq ingrin-info.gq ldance-info.gq oldmist-info.cf padfile-info.cf jucms-info.cf oldmist-info.gq gayika-info.cf qulpa-info.cf ttsoe-info.cf padfile-info.gq jucms-info.gq gayika-info.gq yompx-info.cf nakous-info.gq vdfmp-info.cf kwiido-info.cf nakous-info.cf gsrzsz-info.cf maronas-info.cf fmits-info.cf vdfmp-info.gq kwiido-info.gq gsrzsz-info.gq fmits-info.gq tuxit-info.cf medilor-info.cf hapjung-info.cf hopegcc-info.cf tencc-info.cf tuxit-info.gq rhikids-info.cf medilor-info.gq mtxeber-info.cf orgoa-info.cf grandmt-info.gq hopegcc-info.gq tencc-info.gq rhikids-info.gq orgoa-info.gq grandmt-info.cf itrent-info.cf tanmyh-info.cf prabuty-info.cf itrent-info.gq troist-info.gq tanmyh-info.gq thruhim-info.cf marpich-info.gq nlumun-info.gq prabuty-info.gq troist-info.cf thruhim-info.gq fymtc-info.cf saffc-info.cf opencui-info.gq grenix-info.cf steubie-info.gq grenix-info.gq indcoa-info.gq steubie-info.cf jonhu-info.gq viensui-info.gq ijsat-info.cf hartp-info.cf hartp-info.gq vavpa-info.gq iinvite-info.cf ucsms-info.cf sohobmt-info.cf fleddex-info.cf funxue-info.cf iinvite-info.gq ucsms-info.gq fbmvc-info.gq sohobmt-info.gq ikyma-info.gq funxue-info.gq gugik-info.cf jpesa-info.cf vendusa-info.cf ftnwo-info.gq tserial-info.cf gugik-info.gq jpesa-info.gq vendusa-info.gq wapbul-info.gq exojll-info.gq tserial-info.gq patulik-info.cf patulik-info.gq pcagwd-info.gq jllexo-info.gq osefi-info.cf foroqu-info.gq unoconv-info.cf seobg-info.cf ragives-info.cf mentez-info.cf unoconv-info.gq otrohet-info.cf seobg-info.gq ragives-info.gq mentez-info.gq otrohet-info.gq espnet-info.cf geyclub-info.cf nwxsw-info.cf soude-info.cf qagmgt-info.cf lotworx-info.cf soude-info.gq qagmgt-info.gq lotworx-info.gq wwwgoo-info.cf lapcah-info.cf iabbo-info.cf ponel-info.cf lapcah-info.gq iabbo-info.gq ponel-info.gq psysite-info.gq havarim-info.cf rummag-info.gq fataces-info.cf havarim-info.gq fataces-info.gq scubava-info.gq inuxa-info.cf inuxa-info.gq joinsin-info.cf izzybot-info.cf joinsin-info.gq izzybot-info.gq secull-info.gq usdtons-info.gq livdate-info.cf nekuaa-info.cf netclic-info.gq hsopa-info.cf jkjia-info.cf manvis-info.cf nekuaa-info.gq pface-info.gq manafi-info.gq hsopa-info.gq jkjia-info.gq manvis-info.gq ucdvets-info.cf ijsae-info.gq udoers-info.cf icntaa-info.cf ucdvets-info.gq mudmnt-info.cf geizen-info.cf sosgay-info.cf icntaa-info.gq geizen-info.gq sosgay-info.gq mampiro-info.cf myfgcoa-info.cf klnred-info.gq myfgcoa-info.gq jyyyq-info.gq ruilsex-info.cf guckle-info.cf ruilsex-info.gq segcoa-info.cf qvemgnt-info.cf klumg-info.cf mnspjy-info.cf jbdeaf-info.cf guckle-info.gq qvemgnt-info.gq klumg-info.gq mnspjy-info.gq jbdeaf-info.gq squrli-info.cf mcrmmoc-info.cf jvalaw-info.cf hkjid-info.cf mcrmmoc-info.gq jvalaw-info.gq ntbff-info.cf ghwsi-info.cf primett-info.cf wouam-info.cf rizgiti-info.cf ntbff-info.gq ghwsi-info.gq primett-info.gq rizgiti-info.gq nwplus-info.cf pridel-info.cf redass-info.cf newalk-info.cf htmlex-info.cf kotroti-info.cf mypriv-info.gq redass-info.gq newalk-info.gq htmlex-info.gq mypriv-info.cf gozeni-info.cf jwwpcd-info.cf maiwei-info.cf raolona-info.cf xsexx-info.cf pathivu-info.cf nixvds-info.cf finelec-info.cf pngld-info.cf thisd-info.cf tuxxy-info.cf mjweb-info.cf prgmtk-info.cf gcebc-info.cf ktabu-info.cf vampapp-info.cf tryline-info.cf giridih-info.cf whyne-info.cf goiom-info.cf weedmob-info.cf reliefx-info.cf iocator-info.cf moneusa-info.cf swdec-info.cf ribaldo-info.cf smartgs-info.cf klccva-info.cf uhand-info.cf sdeats-info.cf shaware-info.cf morwell-info.cf qtyulai-info.cf tecion-info.cf iigrm-info.cf regexfu-info.cf sarad-info.cf hertzum-info.cf petrc-info.cf thelfl-info.cf myqrcv-info.cf iacltd-info.cf zggjjl-info.cf qzhanfu-info.cf siyainc-info.cf roiii-info.cf gsdic-info.cf mphig-info.cf sudaka-info.cf samsdam-info.cf myiweb-info.cf mezyk-info.cf sexyway-info.cf neoinr-info.cf ucapla-info.cf kjcff-info.cf kippax-info.cf omalaki-info.cf luvves-info.cf qualivo-info.cf psdfree-info.cf gymsw-info.cf laxade-info.cf spwusa-info.cf gamelim-info.cf fastpet-info.cf pcrds-info.cf nightnr-info.cf kysely-info.cf seaprty-info.cf keneba-info.cf shcyxxw-info.cf mywjusd-info.cf laicize-info.cf mmospec-info.cf sukjai-info.cf ucwzero-info.cf lagende-info.cf phadd-info.cf joomlaz-info.cf hiscoeg-info.cf sexidol-info.cf govraj-info.cf winyah-info.cf nflsave-info.cf gunhill-info.cf ncpli-info.cf formsmoorg.cf foolstoporg.cf ezbourseorg.cf fiskcoorg.cf fhlzorg.cf folderlyorg.cf econsltorg.cf evoshareorg.cf feendorg.cf diskenorg.cf dossimtv.ga emprepcotv.ga dossimtv.cf emprepcotv.cf browebstv.ga ekugeltv.cf dimacrotv.ga fotopulltv.ga fotopulltv.cf fineverbtv.ga foalfarmtv.ga foalfarmtv.cf dgiprtv.cf djslidertv.ga fakeuggstv.ga djslidertv.cf fakeuggstv.cf vipapk-info.gq fateyetv.cf emvcootv.ga dismovetv.ga emvcootv.cf dismovetv.cf fanwifitv.cf dkpboardtv.ga ezdokitv.ga ezdokitv.cf engadinatv.ga elhamytv.ga elhamytv.cf dezenovetv.ga dezenovetv.cf fekcatv.ga enanewstv.ga enanewstv.cf exneeftv.ga exneeftv.cf ewenmetv.ga esitogotv.cf drillbettv.cf qeckyca.gq mezcals-net.cf biroyun-net.cf kirtads-net.ga brandg-net.cf ffreee-net.cf ncgouk-net.cf armyrad-net.cf evibox-net.gq sarmycc-net.gq ctcity-net.cf biroyun-net.gq brandg-net.gq ffreee-net.gq ncgouk-net.gq armyrad-net.gq tinyclr-net.ga ctcity-net.gq kirtads-net.gq gmpaa-net.ga mjggpgc-net.cf tinyclr-net.cf coyfeh-net.ga antizog-net.cf tinyclr-net.gq trfiles-net.cf coyfeh-net.cf antizog-net.gq ecodeee-net.ga trfiles-net.gq raskell-net.ga kxgjylc-net.ga ninome-net.ga aloegel-net.ga homupe-net.ga ecodeee-net.cf tabalab-net.cf raskell-net.cf kxgjylc-net.cf hopoto-net.ga leftcon-net.cf ninome-net.cf aloegel-net.cf homupe-net.cf ecodeee-net.gq tabalab-net.gq raskell-net.gq kxgjylc-net.gq hopoto-net.cf leftcon-net.gq aloegel-net.gq homupe-net.gq playdeb-net.ga cwlpt-net.ga afigso-net.ga aiwhat-net.ga cchcm-net.cf fysti-net.ga sened-net.ga playdeb-net.cf cwlpt-net.cf afigso-net.cf knowfox-net.ga cchcm-net.gq fysti-net.cf fapat-net.ga cwlpt-net.gq afigso-net.gq knowfox-net.cf aiwhat-net.gq fapat-net.cf fucitem-net.ga viretum-net.gq hyndns-net.ga bimvam-net.ga knowfox-net.gq cmlbd-net.ga htfound-net.cf immsim-net.ga fucitem-net.cf venavic-net.ga bimvam-net.cf ifnbm-net.ga htfound-net.gq jebrem-net.cf immsim-net.cf fapat-net.gq fucitem-net.gq hyndns-net.gq bimvam-net.gq ifnbm-net.cf winmob-net.ga jebrem-net.gq immsim-net.gq paern-net.ga venavic-net.gq sogong-net.ga ifnbm-net.gq winmob-net.cf ivyhire-net.ga paern-net.cf corpmed-net.cf sogong-net.cf funrace-net.cf btafcu-net.ga delfus-net.cf winmob-net.gq civeddi-net.cf paern-net.gq corpmed-net.gq sogong-net.gq btafcu-net.cf delfus-net.gq hsyoga-net.ga ivyhire-net.gq civeddi-net.gq megbox-net.ga hoxyux-net.gq targy-net.ga cptrubo-net.ga btafcu-net.gq dauerer-net.ga hsyoga-net.cf eyepray-net.ga megbox-net.cf dclua-net.ga targy-net.cf ivuma-net.ga dauerer-net.cf hsyoga-net.gq eyepray-net.cf ariosh-net.cf megbox-net.gq dclua-net.cf targy-net.gq cptrubo-net.gq ivuma-net.cf dauerer-net.gq kaeup-net.ga eyepray-net.gq ariosh-net.gq irousal-net.ga dclua-net.gq pqradio-net.ga censei-net.ga ivuma-net.gq awras-net.ga kaeup-net.cf inritus-net.ga qafrica-net.ga irousal-net.cf mmoplat-net.ga wpscni-net.ga awras-net.cf inritus-net.cf qafrica-net.cf irousal-net.gq mmoplat-net.cf pqradio-net.gq exence-net.cf wpscni-net.cf awras-net.gq inritus-net.gq qafrica-net.gq ahtsib-net.ga mmoplat-net.gq aatvi-net.ga exence-net.gq wpscni-net.gq fhsnj-net.ga scjcc-net.ga azucfc-net.ga evorto-net.cf ahtsib-net.gq aatvi-net.cf scjcc-net.cf azucfc-net.cf evorto-net.gq aatvi-net.gq censei-net.cf fhsnj-net.gq scjcc-net.gq azucfc-net.gq sarmycc-net.cf civeddi-net.ga miotbp-net.gq cryhq-net.ga dogsan-net.ga cmcfdw-net.ga mypcdc-net.ga aumsasl-net.ga epausac-net.cf camier-net.ga gespan-net.ga cryhq-net.cf dogsan-net.cf terdon-net.cf camier-net.cf gespan-net.cf cryhq-net.gq dogsan-net.gq cmcfdw-net.gq terdon-net.ga camier-net.gq lepaera-net.ga gespan-net.gq mneso-net.ga abditae-net.ga ratbat-net.ga okurnet-net.ga roadad-net.ga terdon-net.gq rbuild-net.ga mneso-net.cf abditae-net.cf gzztwl-net.cf roadad-net.cf klublol-net.ga lepaera-net.gq rbuild-net.cf mneso-net.gq gzztwl-net.gq roadad-net.gq rbuild-net.gq chajara-net.cf maccto-net.ga vfwbc-net.cf cindel-net.ga dcdnb-net.ga chbong-net.cf apastro-net.cf chajara-net.gq maccto-net.cf dcdnb-net.cf chbong-net.gq asiasms-net.ga apastro-net.gq chajara-net.ga maccto-net.gq avealco-net.cf asiasms-net.cf sicresi-net.ga ezraton-net.ga avealco-net.gq klublol-net.cf imabong-net.ga vcrce-net.cf asiasms-net.gq sicresi-net.cf theelmo-net.cf ezraton-net.cf isbex-net.ga epausac-net.gq imabong-net.cf ishura-net.gq oklrh-net.ga vcrce-net.gq basexpo-net.ga sicresi-net.gq theelmo-net.gq tazorac-net.gq imabong-net.gq oklrh-net.gq pwsec-net.ga basexpo-net.cf thestp-net.ga dealass-net.ga tazorac-net.cf sacayak-net.cf danyige-net.ga pwsec-net.cf basexpo-net.gq gayua-net.cf thestp-net.cf dealass-net.cf filmwow-net.ga eceweb-net.ga motoelx-net.cf danyige-net.cf pwsec-net.gq gayua-net.gq thestp-net.gq dealass-net.gq filmwow-net.cf eceweb-net.gq motoelx-net.gq maiho-net.ga danyige-net.gq lndmo-net.ga jaxmls-net.ga gicgala-net.ga filmwow-net.gq tazorac-net.ga pimko-net.ga maiho-net.cf alohaov-net.ga lndmo-net.cf jaxmls-net.cf gicgala-net.cf reguru-net.cf ritzio-net.ga pimko-net.cf maiho-net.gq alohaov-net.cf lndmo-net.gq guacais-net.ga jaxmls-net.gq gicgala-net.gq reguru-net.gq slamtk-net.cf koftur-net.ga glocou-net.ga guacais-net.cf slamtk-net.gq ritzio-net.gq fretv-net.ga koftur-net.cf hsoemea-net.ga glocou-net.cf guacais-net.gq ootbe-net.cf flizit-net.ga liviam-net.cf fretv-net.cf koftur-net.gq hsoemea-net.cf glocou-net.gq efudex-net.ga ootbe-net.gq raxwork-net.gq nwslc-net.cf fretv-net.gq hsoemea-net.gq elhamed-net.ga efudex-net.cf shonner-net.ga gotkafa-net.ga gaszow-net.ga liviam-net.ga tldreg-net.ga elhamed-net.cf efudex-net.gq gotkafa-net.cf gaszow-net.cf nwslc-net.ga tldreg-net.cf fomah-net.gq gotkafa-net.gq gaszow-net.gq eurax-net.gq aloxinh-net.ga tldreg-net.gq aditude-net.ga tulaja-net.ga teigan-net.ga logwag-net.ga owngoal-net.ga nwslc-net.gq aloxinh-net.cf geforda-net.ga aditude-net.cf ggcchat-net.ga tulaja-net.cf teigan-net.cf owngoal-net.cf flizit-net.gq aloxinh-net.gq geforda-net.cf aditude-net.gq ggcchat-net.cf tulaja-net.gq teigan-net.gq logwag-net.gq owngoal-net.gq eurax-net.cf geforda-net.gq ggcchat-net.gq asef.eu.org
yups.eu.org
vocals.eu.org
dpoc.eu.org
games1.eu.org
casinogames.eu.org gamblingcard.eu.org healtydrug.eu.org adultsex.eu.org adultsexx.eu.org university21.mx universitas21 Used auto parts infinityfinanceratescom.ga refinanceyourrentalpropertycom.ga subarufinanceratescom.ga wizzardfinancecom.ga ukfastfinancecom.ga lesprosdelafinancecom.ga yaoyufinancecom.ga cocoartfinancecom.ga businessioabescom.gq