When to Start Collecting Social Security

The week before last The New York Times carried a piece on when a person should start collecting Social Security. You kids who read blogs probably didn’t even know there was a choice about when to start getting those checks or that it significantly affects how much you get.

Basically, the longer you wait, the higher the monthly payment. According to the Social Security Administration’s example (quoted in the article without attribution) a person whose "full retirement age" is 66, and would get $1000 a month starting then, could instead have $750 starting at age 62 or $1320 at age 70.

This dilemma, less now or more later, is faced by all those who would receive Social Security payments, which is to say just about all Americans. (We assume.) And yet it does not get that much attention. Why? Because it’s complicated. There are a lot of moving parts, including some counter-intuitive rules and strategies involving spousal benefits.

But at its core, this is not that mysterious a problem. Assuming that a person has the financial resources to wait, the first issue to consider is longevity. The average life expectancy for a 62 year-old man is 81. (It’s 84 for women.) If you’ve got good and strong reasons to expect to fall short of or exceed that benchmark, then this consideration will dominate all others. If you don’t expect to live long, start payments now. If you expect to live a good long while, wait as long as possible.

If you don’t need the money right now to pay your bills, and you don’t think your expected longevity is particularly different from the norm, then what? You’ve essentially got the choice of a number of annuities starting at different ages. That’s not as hard a problem to get your hands around as it might seem. (And as the Times article would have you think.) Annuities are a standardized product. And there is a website (ImmediateAnnuities.com) that will give you a rough quote for an annuity that pays $X at age Y. Using it, I’ve made the following table.

Age	Monthly Payment	Annuity Cost	PV @ I+2%	PV @ I+5%
62	$ 750	$ 116,454	$ 116,454	$ 116,454
63	$ 800	$ 121,877	$ 119,487	$ 116,073
64	$ 866	$ 129,309	$ 124,288	$ 117,287
65	$ 933	$ 136,407	$ 128,539	$ 117,833
66	$ 1,000	$ 142,825	$ 131,948	$ 117,502
67	$ 1,080	$ 150,769	$ 136,556	$ 118,131
68	$ 1,160	$ 157,951	$ 140,256	$ 117,865
69	$ 1,240	$ 164,373	$ 143,097	$ 116,817
70	$ 1,320	$ 170,255	$ 145,311	$ 115,235

The first two columns are the SSA’s age and sample monthly payments. The third column is what an annuity that would pay that amount for a man of that age would cost right now, according to ImmediateAnnuities.com.

Before I go further, it should be pointed out that this is not exactly apples to apples, as the Social Security annuity is indexed to inflation and these quotes are for flat non-indexed annuities. Inflation-indexed annuities are, of course, worth more, but the website does not give easy quotes for those, so I’m going to assume that these numbers are indicative of the proportionate costs of inflation-indexed annuities.

It’s pretty obvious that $1320 a month to 70 year-old is worth a lot more than $750 a month to a 62 year-old. Really a lot more. But that’s not exactly the question we want to answer. We want to know which is more valuable: $750 a month to a 62 year-old or $1320 a month to a 62 year-old starting in eight years. In other words, would you rather have $116K now or $170K eight years from now?

That is an elementary question of present value. To price $170K in eight years you need to find how much you would need to invest now to have that much in the future. If your rate of return on the investment was, for example, 5%, then you would need to invest about $115K today to have $170K in eight years, so the present value of $170K would be about $115K, remarkably similar to the value of the $750 starting now annuity.

Except that the $170K in the table is an inflation adjusting moving target. The 62 year-old isn’t really choosing between $750 now and $1320 later. He’s choosing between $750 now and some larger payment in the future worth $1320 in today’s dollars. So the rate of return on that notional investment that lets us price $170K in the future, what we finance types call a discount rate, needs to be in inflation-plus terms, so we get the future value in today’s dollars. To get $170K in today’s dollars from $115K now requires not 5%, but 5% over inflation. (Present value of the various annuities assuming Inflation plus 5% are in the left most column of the table.)

Inflation plus 5% is not a realistic expectation for a low-risk investment. In fact, inflation plus 2% (a little better than what TIPS are running at now) is a much more realistic assumption. And at that rate (it’s the 4th column in the table) the annuities that start later are clearly worth more.

This is not an exhaustive analysis. Among other things, I’ve ignored the possibility of a 62 year-old not living to 70, but this hits the side of the barn. Barring special circumstances, a person is generally better off waiting to receive Social Security until as late as possible, 70 being ideal. This is the intuitive answer, and the one alluded to in the Times article, but isn’t it nice to see the argument made with numbers?

Alas, as intuitive as it is, the Times tells us that the majority of people actually choose the wrong answer, electing to receive benefits early. Why? It’s possible they are broke and need the money. But I think there is something else going on. This is a complicated topic that gets too little discussion. Without knowing for sure what the best choice is, people make what seems to be the more conservative choice, to get the money in hand now. Once again, a lack of understanding of personal finance costs real money.

Government, Media | Frank Curmudgeon | July 20, 2009 11:00 am

421 Comments

By Kosmo @ The Casual Observer, July 20, 2009 @ 11:15 am

Why do a lot of people choose age 62? I think it’s a desire to get something out of a system they’ve been paying into for their entire adult life. Nobody wants to die at 64 and “not get anything” out of the system. (Sure, there are survivor benefits, but the dead person doesn’t get any benefit from the system)
By JohnB, July 20, 2009 @ 11:39 am

Another consideration is the very real possibility that benefits in the future will be means-tested. A person starting benefits at 62 will have received more cash than one starting at 66 until about age 77. If benefits become means-tested before then, waiting would be the wrong choice for those affected.
By gpr, July 20, 2009 @ 1:11 pm

Do you think people at 62 have a factual basis for deciding their own mortality rates, or do they just use the overall statistics? In other words, when I’m 62, will I have a pretty solid idea that I’m likely to be on the losing end of the chart? Or will I know (thanks to my wife’s nagging) that I have a really good chance of hitting the other side of the curve?

Will I know, but lie to myself?
By vga, July 20, 2009 @ 2:02 pm

Some of my older relatives are grabbing their benefits ASAP because they don’t think that Social Security will be solvent much longer.
By Brandon, July 20, 2009 @ 3:37 pm

Why choose when you can have it both ways?

Since by definition, having the choice to wait means you do not need the money at all to survive, then you could do the following:

1. File for benefits at age 62.
2. Collect benefits into a savings account, potentially rolling it over into a CD once you have accrued enough money.

If you die before 70 or do not have long left to live:
3. Leave a nice little chunk of change to your heirs.

Otherwise:
3. File SSA Form 521.
4. Cash out your savings/CDs and pay back the SSA, keeping the interest I might add.
5. Refile for benefits at the higher rate.

Actually, I do not even see a reason why you would not be able to do it even more often. Yearly seems excessive for the amount of paperwork involved, but filing at 62, 66, and 70 might make sense if you feel you will live long enough.

Source of idea:
http://www.marketwatch.com/story/wish-your-social-security-benefits-were-higher-there-is-a-way
By Dave C., July 20, 2009 @ 3:46 pm

Great post Frank! I’m willing to bet that some of the reasons for people drawing SS before the optimal age is a combination of financial distress and a pessimistic outlook not only on the OASDI system but also their own health.

I imagine some people want to get money out of the system while they still can, assuming that OASDI and they themselves have an uncertain longevity.
By Brandon, July 20, 2009 @ 4:19 pm

As an aside, a spreadsheet I put together using a 3.03% average increase (this is the figure over the past 10 years), I got the break even point for going at 70 over 62 to be somewhere between 78-79, going at 66 over 62 to be a hair under 76, and going at 70 over 66 to be a hair over 80.

If you made it to 100, you would have $626k if you retired at 62, $785k if you retired at 66, and a hair under $962k if you retired at 70.
By Mr.GoTo, July 20, 2009 @ 4:57 pm

Too often the eager beavers who start at 62 or even at 66 completely ignore the effect on a younger, surviving spouse who must depend on the survivor’s benefit, perhaps for many years beyond the death of the original claimant. For that reason alone it can make sense to spend more retirement assets in the early years so as to delay claiming SS until age 70. That also helps if the benefits become means-tested.
By Dangerman, July 20, 2009 @ 10:25 pm

These analyses (yours Frank, and the NYT) also didn’t look at taxation of Social Security benefits.

My parents have a marginal tax rate of 65% in retirement, because withdrawals from thier Traditioanl IRA make SS taxable.
By Jim, July 21, 2009 @ 3:51 pm

Dangerman, how could they get to 65% marginal rate? I don’t think the top rate in NYC is even that high adding federal, state & city.
By mwarden, July 21, 2009 @ 5:40 pm

Frank,

Suppose your mom has a jar of 4 cookies, and she tells you and 3 of your friends that you can either have 1 cookie each now or 3 cookies each in 1 hour from now. Even an idiot like me can see that if all of you wait 1 hour, your mom has promised you 5 cookies she doesn’t have. Perhaps she gives you all 1 cookie and splits the last into thirds. Or perhaps she realizes this will anger all of you and instead decides to honor as many promises as she can, giving one of the kids her three cookies, giving another his 1 cookie, and leaving the other hungry. Then at least she gets 1 vote for mother of the year.

I’ll take my 1 cookie right now, thank you.
By Frank Curmudgeon, July 21, 2009 @ 6:33 pm

Or Mom will bake more in a hour.

I think that a 30 year-old acting on the assumption that SS will not be there for him when he is 70 is reasonable, although I would disagree. A 62 year-old, on the other hand, acting on the assumption it will be gone in eight years is irrational. If necessary the gov’t will just print more dollars to hand out to the old folks. They don’t call it the third rail of American politics just for fun.
By mwarden, July 22, 2009 @ 8:54 am

Frank,

Agree that it doesn’t make sense for someone who is 62 now. I was just pointing out that there are perhaps other considerations beyond just the numbers. The assumption that the government can just borrow more money is predicated on a lot of factors that may not be true 40 years from now, and if they’re borrowing from themselves, well… the least of my concerns is social security.
By Patrick, July 22, 2009 @ 12:23 pm

I think you’ve miscalculated the value of “a pension starting at 70 when you’re 62″. It is NOT the same as the present value of “a pension starting at 70 when you’re 70″ because of the chance you won’t make it to 70.
By Frank Curmudgeon, July 22, 2009 @ 5:10 pm

I thought of that, and even mentioned it in the post. (2nd to last paragraph.) Adding in the risk of not making it to 70 doesn’t change the answer, it just makes the calculation more complicated and the post was long enough. Also, the premise of the analysis was that the person expected to live past 70.
By racy, July 25, 2009 @ 7:13 am

Not so fast. Check this:

http://www.nysscpa.org/cpajournal/2006/606/essentials/p42.htm
By heidi, July 25, 2009 @ 7:24 pm

i think they should not give away ss to the extremely wealthy who can more than afford a lifestyle that some of us only dream of. sure, WE ALL pay into it…..but possibly this world could start taking care of those less fortunate. there should definitely be a lower cap on what the extremely wealthy should be able to receive…..ATLEAST.
this is outrageous that we have people out there actually living on ONLY $750.00 a mth for everything…..and then you have the rich receiving much more a mth for ss and still have much more back up money to dip into. i have to say….those of you that could get by w/o ss money(you are the first to get in line for it and demand your cut)…..maybe think of all the yrs you pd into it as “charity” that you gave to the less fortunate instead of “what you deserve”.
By racy, July 25, 2009 @ 9:16 pm

“From each according to his ability, to each according to his need.” Karl Marx. The phrase summarizes the principles that, under a communist system, every person should contribute to society to the best of his ability and consume from society in proportion to his needs, regardless of how much he has contributed. The Marxists thought such an arrangement will be made possible by the abundance of goods and services that a developed communist society would produce.

Well, it didn’t work out that way for the Soviet Union, Communist China nor North Korea.

Getting rich usually has nothing to do with being fortunate. It’s mostly going to work every day, living below your means, investing and keeping at it for a long time.

I’ve put into the SS system for 39 years
By Annie G, July 27, 2009 @ 2:41 pm

Not to try to speak for someone else, but I think perhaps Heidi was thinking that SS should be more like an “insurance” rather than trying to advocate “socialism”.

We are all pretty used to the idea of paying for insurance (like car and house or even term life) and possibly never collecting at some future date. It is certainly an option to shift SS that way so that only those who actually need the money in their elderly years would collect.

Not sure how I’d feel about that, but then, I’ll likely never collect any SS anyway (considering my work history and my life expectancy).
By Lorrie, July 31, 2009 @ 3:32 pm

Your calculations don’t take into account special circumstances that may make taking benefits now more financially attractive. Parents of MINOR children, for example, should know that they are eligible to receive added benefits that may disappear if they wait. Ie: my husband took his benefits at 65, and both our twelve year old daughter AND myself (even though I am only age 51) receive benefits until she turns 16, which amounts to $119,520 in benefits for our family which would have been lost by waiting to apply until he was 70 (and she 16). This certainly tilted the spreadsheet in favor of taking benefits now rather than waiting.
By Norm, August 14, 2009 @ 3:43 pm

That is all well and good if you sit behind a desk all day. Come outside and work 260 days a year in all weather and then till me to work till Iam 70 years old. Thank You.
By Norm, August 14, 2009 @ 4:19 pm

Just an addeneum to the last comment. Cemetery work, caring for loved ones for the last 30 years. About 45000 so far. I can’t wait for 62. Thank You Again.
By mountainman, January 29, 2010 @ 12:18 am

62 or 70??? hmmmm……I’ll will go with 62, as I have other financial resources (govt defined benefits pension, employer sponsored 457 plan, etc)to pay most of my bills.. But that money I get when Im 62 will be paid to a younger man, one who still enjoys and IS ABLE to enjoy his favorite activities. BIG differnce between 62 and 70. Uncle Sam wants you to buy into the wait a bit scam. Plan ahead, take the money ASAP and enjoy it………dont go to the grave without getting it or just get it and then give it to the local ‘rest home’ while you drool upon your self!
By Gladi8or, February 8, 2010 @ 11:52 am

Dunno what Uncle Sam wants, but *I* sure appreciate you voluntarily giving up about half of your benefit…forever. It leaves more for ME! Thanks!

Here’s my plan: At 62, my wife will draw her SS with me getting the spousal benefit on her account. This will result in a $500/mo shortfall over what we would have if I started drawing then. We will make up the difference by drawing an extra $500/mo from our nestegg. The lost interest will be far less than the 6%/yr gain I’ll get in SS benefits by waiting.) At 70, we’ll stop my wife’s SS and start mine, with her as “spouse”. At that time my SS will be nearly TWICE what it would have been if I started it at 62…and will remain that way for my life, and hers as survivor. After those first 8 years, our draw from the nestegg will drop dramatically; leaving it pretty much as an emergency fund and a hedge against inflation.
By getagrip, February 24, 2010 @ 10:33 am

A lot of blue collar folks I grew up with and knew in my old neighborhood grabbed their SS early, by the time most of them reached 62 they were often beat. As others have said, it’s a different thing being a desk jockey and working until you’re sixty five or seventy versus having to work out in the weather on your feet for eight hours, getting up and down ladders to run pipe or electrical lines, or haul things around the factory floor like you did back in your forties. Many of them have been limping along and feel like they’ve finally crossed the finish line. This often coincides with homes being paid for, kids off on their own, etc. So why not get it while the getting’s good? Now is real, later is maybe. Now it takes half an hour to get out of bed and another fifteen minutes for the pain to ease off their knees so I can limp into a job where they’re told to get their butt in gear, later means they’ve got three more years of this to look forward to. If you weren’t driven by necessity, which would you choose?
By Scotchman, March 6, 2010 @ 9:06 am

First, as former GAOer, I audited the SSA Office of the Actuary’s trust fund projections and studied the history of SSA.

I also interviewed the Father of SSA, Robert Myers. Who repeatedly has told the Congress to keep their hands off SSA. It was meant to be Old Age Survivors Insurance…not the SSI welfare program it is today, to take the burden off the states.

Second, the law is set up and SSA is set up, as outside the budget, a separate corporation. It was known when it was created, there would be times of surplus and times of deficits in the trust funds…now we have surplus and invest in US Treasuries and collect interest. In 50 years, might have deficit and then we are to borrow from the Treasury and pay interests…overtime all averages out…and can never go broke… But SSI should be funded by states, not SSA.
By Bob, March 9, 2010 @ 10:36 pm

This is the most helpful analysis of the question “when to start collecting” that I have seen. It’s amazing that the SSA website doesn’t have a calculator for people to feed in different circumstances and assumptions.

These calculations are (apparently) based the assumption that someone who is 62 will live to be 81 (if they are a man). If you live longer than that, you are even better off waiting. In addition, if you are married, your wife will collect your social security after your death. her life expectancy at 62 years old is 84, so if she is 3 years younger than you, she would be expected to outlive you by 6 years. The present value of these additional 6 years is calculated simply be assuming that the 62 year old in this example (if he is married to a woman 3 years younger than he is) is unmarried but will live to 87, rather than just 81. The effect will be to make waiting even more rewarding.
By msmerlin, March 21, 2011 @ 1:02 pm

I like Mountainman’s philosophy. I wanted my hus to wait, but he wanted to start at 66. So we did (two months ago). I like the idea of a bigger monthly benefit, but who knows if he will live to the 70-year mark. I also don’t trust the government; if the Republicans have their way, there will be no more SS for anyone. This article is interesting though; more interesting are the comments from readers afterwards!
By Lee Martinson, March 26, 2012 @ 12:43 pm

As an retirement planning advisor I have a hard time with some people– getting them to understand that if a married couple who are both healthy at age 66, they should seriously consider delaying the higher earner’s own benefit. When you add the tax benefits into the mix, it becomes an even better possibility.

The one strategy mentioned above,about it paying it back and starting over is now very limited. You can only do it within 12 months or first claiming.
By Rich Uncle EL, July 25, 2013 @ 11:38 am

I expect to not take social security, unless my nest egg gets cut drastically due to stock market fluctuations. I hope it will be around forever, just in case those that did not prepare for retirement will have other options to live with some income in the golden years.
By emergency dentist tuscaloosa, March 10, 2023 @ 9:43 am

Thanks for your personal marvelous posting! I actually enjoyed reading it, youwill be a great author. I will be sure to bookmark your blog and will often come back in the future.I want to encourage continue your great writing, have a nice day!
By tuscaloosa emergency dentist, March 10, 2023 @ 12:25 pm

Hmm is anyone else encountering problems with the pictureson this blog loading? I’m trying to find out if its a problem on my end orif it’s the blog. Any responses would be greatly appreciated.
By idnpokeronline.net, March 10, 2023 @ 1:15 pm

My brother suggested I would possibly like this web site.
He was once totally right. This publish truly made my day.
You cann’t consider just how a lot time I had spent for this info!
Thanks!
By Lawn Mower Repair, March 10, 2023 @ 5:41 pm

Fantastic article.Much thanks again. Really Great.
By joker 388, March 10, 2023 @ 5:42 pm

Every weekend i used to pay a quick visit this web site, because i wish for enjoyment, as this
this website conations truly fastidious funny material too.
By pragmatic lapak pusat, March 10, 2023 @ 11:15 pm

Hello I am so glad I found your blog, I really found you by mistake, while I was browsing
on Bing for something else, Nonetheless I am here
now and would just like to say thanks a lot for
a incredible post and a all round interesting blog (I also love the theme/design), I don’t have time to read it all at the minute but I
have book-marked it and also added in your
RSS feeds, so when I have time I will be back to read
much more, Please do keep up the superb job.
By Small Engine Fuel System Repair, March 11, 2023 @ 12:22 am

A big thank you for your blog article.Thanks Again. Fantastic.
By 구글상위노출교육, March 11, 2023 @ 12:29 am

I have to thank you for the efforts you have put in penning this website.
I’m hoping to see the same high-grade blog posts by you in the future as well.
In truth, your creative writing abilities has inspired me
to get my own, personal blog now
By go to website, March 11, 2023 @ 6:24 am

I couldn’t refrain from commenting. Perfectly written!
By gacor slot, March 11, 2023 @ 11:36 am

Thank you, I’ve recently been searching for information approximately this subject for
a long time and yours is the best I have discovered till now.
However, what in regards to the conclusion? Are you positive about the source?
By sbo bet, March 11, 2023 @ 3:31 pm

Hello! I know this is kinda off topic however I’d figured I’d ask.
Would you be interested in trading links or maybe guest writing
a blog post or vice-versa? My website covers a lot of the same topics as yours and I
feel we could greatly benefit from each other.
If you happen to be interested feel free to shoot me an email.
I look forward to hearing from you! Great blog by the way!
By Libianca People Mp3 Download, March 11, 2023 @ 3:41 pm

You have made some decent points there. I checked on the net to learn more about the issue and found most people will go along with your views on this website.
By idn slot, March 11, 2023 @ 5:45 pm

Why users still use to read news papers when in this technological world all is accessible on web?
By hho carbon cleaner, March 11, 2023 @ 5:46 pm

The article is worth reading, I like it very much. I will keep your new articles.
By idnslot, March 11, 2023 @ 8:25 pm

No matter if some one searches for his vital thing, therefore he/she needs to be available that in detail, so that thing is maintained over here.
By slot olympus, March 12, 2023 @ 12:24 am

My spouse and I absolutely love your blog and find
a lot of your post’s to be just what I’m looking for.
Does one offer guest writers to write content for you?
I wouldn’t mind producing a post or elaborating on some of the subjects you write regarding
here. Again, awesome site!
By sbobet, March 12, 2023 @ 5:36 am

Hello there! This is my first visit to your blog! We are a group of
volunteers and starting a new project in a community in the same niche.
Your blog provided us useful information to work on.
You have done a extraordinary job!
By проведение опрессовки системы отопления, March 12, 2023 @ 7:19 am

If some one wants to be updated with latest technologies after that he must be pay a visit this site and be up
to date everyday.
By heater repair 19052, March 12, 2023 @ 10:15 am

Really enjoyed this post.Much thanks again. Awesome.
By solar panels, March 12, 2023 @ 5:13 pm

Very good article.Much thanks again. Awesome.
By fafaslot, March 12, 2023 @ 7:13 pm

We stumbled over here coming from a different web address and thought I might as well check
things out. I like what I see so now i’m following you. Look forward to checking out your web page again.
By anthony natale toms river n.j., March 13, 2023 @ 1:43 pm

I really like and appreciate your article post. Will read on…
By 카지노사이트, March 13, 2023 @ 2:23 pm

Hey! I know this is kinda off topic but I was wondering if you knew where I could locate a captcha plugin for my comment form?
I’m using the same blog platform as yours and
I’m having problems finding one? Thanks a lot!
By 메이저사이트, March 13, 2023 @ 6:25 pm

Hi! This is my first visit to your blog! We are a collection of volunteers and starting a new project in a community in the same
niche. Your blog provided us beneficial information to work on. You
have done a extraordinary job!
By michael mendes financial advisor, March 13, 2023 @ 7:40 pm

I appreciate you sharing this blog article.Really thank you! Awesome.
By https://www.ejfunday.com/citrus_heights/, March 14, 2023 @ 12:41 am

ivermectin generic name startzuw – ivermectin 8000
By download lagu komang, March 14, 2023 @ 1:39 am

Oh my goodness! Impressive article dude! Many thanks, However I am having issues with your RSS. I don’t understand why I cannot join it. Is there anyone else having identical RSS problems? Anybody who knows the answer will you kindly respond? Thanks!
By facebook, March 14, 2023 @ 2:28 am

Enjoyed every bit of your post.Really looking forward to read more. Much obliged.
By chord mahalini sial, March 14, 2023 @ 5:16 am

I love reading a post that will make men and women think. Also, many thanks for permitting me to comment.
By карта мира из дерева, March 14, 2023 @ 7:35 am

An intriguing discussion is definitely worth comment.
I think that you ought to publish more on this subject,
it might not be a taboo subject but typically folks don’t talk about
these topics. To the next! Cheers!!
By downloadlagump3, March 14, 2023 @ 10:27 am

Howdy, I do believe your blog may be having internet browser compatibility problems. When I look at your website in Safari, it looks fine however, if opening in IE, it has some overlapping issues. I merely wanted to give you a quick heads up! Aside from that, fantastic website.
By corel, March 14, 2023 @ 10:33 am

This is one awesome blog post. Awesome.
By container office, March 14, 2023 @ 3:26 pm

Aw, this was an incredibly nice post. Taking a few minutes and actual effort to make a very good articleÖ but what can I sayÖ I hesitate a lot and don’t manage to get nearly anything done.
By auto connector, March 14, 2023 @ 4:30 pm

Thanks for the blog post.Really looking forward to read more. Want more.
By карта мира на стену из дерева, March 14, 2023 @ 9:18 pm

Admiring the persistence you put into your website and detailed
information you provide. It’s good to come across a blog every once in a
while that isn’t the same unwanted rehashed material.
Fantastic read! I’ve saved your site and I’m including your
RSS feeds to my Google account.
By last night of the proms, March 14, 2023 @ 10:27 pm

usa pharmacy india: online indian pharmacies meds from india
By detailing grodzisk mazowiecki, March 14, 2023 @ 11:43 pm

Im obliged for the blog article.Thanks Again. Will read on…
By find out more, March 15, 2023 @ 12:16 am

Your style is unique in comparison to other folks I’ve read stuff from. Thanks for posting when you’ve got the opportunity, Guess I’ll just book mark this blog.
By agen bola Parlay dan togel 899 cash terpercaya, March 15, 2023 @ 5:24 am

Very good article post.Thanks Again. Much obliged.
By imtoken下载, March 15, 2023 @ 8:39 am

Really appreciate you sharing this blog post. Cool.
By call today, March 15, 2023 @ 8:56 am

Aw, this was a very good post. Spending some time andactual effort to produce a good article… but what can I say… I procrastinate awhole lot and don’t manage to get nearly anything done.
By situs penting, March 15, 2023 @ 9:37 am

I’m impressed, I must say. Seldom do I come across a blog that’s equally educative and amusing, and without a doubt, you have hit the nail on the head. The issue is something which too few people are speaking intelligently about. I am very happy I came across this in my hunt for something regarding this.
By learn more, March 15, 2023 @ 11:36 am

With just one notable exception, someone can only obtain the powers of only one Devil Fruit and endure.Free Account – New Free Accounts And Passwordsfree accounts
By 먹튀커뮤니티, March 15, 2023 @ 2:42 pm

Very neat blog.Much thanks again. Really Cool.
By ariseeventrentals.com, March 15, 2023 @ 7:44 pm

Hi, I do believe this is an excellent blog. I stumbledupon it
By 먹튀커뮤니티, March 15, 2023 @ 9:40 pm

Thank you for your blog post.Really thank you! Much obliged.
By french open tickets, March 16, 2023 @ 1:05 pm

fascinate este conteúdo. Gostei muito. Aproveitem e vejam este conteúdo. informações, novidades e muito mais. Não deixem de acessar para aprender mais. Obrigado a todos e até a próxima.
By kunci gitar komang raim laode, March 16, 2023 @ 1:58 pm

Hi, I believe your site might be having browser compatibility issues. When I look at your web site in Safari, it looks fine however, if opening in I.E., it has some overlapping issues. I merely wanted to give you a quick heads up! Apart from that, wonderful site.
By vivoslot, March 16, 2023 @ 4:07 pm

This piece of writing is genuinely a fastidious one it
helps new net users, who are wishing for blogging.
By 라이브베팅, March 16, 2023 @ 5:13 pm

I’m no better at farming than an old farmer. It is better to hear farm work from an old farmer than me. Each man has his own duty.
By Edith Jeffery, March 16, 2023 @ 9:57 pm

Thank you for any other excellent article. The place else may just anyone get that kind of information in sucha perfect way of writing? I have a presentation subsequentweek, and I am at the look for such info.
By dikformaat klinkers gebruikt, March 16, 2023 @ 10:01 pm

Fantastic article.Really looking forward to read more. Awesome.
By mp3, March 17, 2023 @ 3:29 am

After I initially left a comment I appear to have clicked the -Notify me when new comments are added- checkbox and from now on whenever a comment is added I recieve four emails with the exact same comment. Is there an easy method you are able to remove me from that service? Thank you.
By Affordable film and video production by expert video makers in Malaysia for travelogues, March 17, 2023 @ 4:52 am

When someone writes an piece of writing he/she retains the image of a userin his/her mind that how a user can be aware of it.Therefore that’s why this piece of writing is great.Thanks!
By tea in kulhad, March 17, 2023 @ 7:45 am

Great article.Really thank you! Much obliged.
By this website, March 17, 2023 @ 1:49 pm

What’s Taking place i’m new to this, I stumbled upon this I have discovered It positively helpful and it has helped me out loads. I’m hoping to give a contribution & assist different users like its helped me. Good job.
By rental lamborghini, March 17, 2023 @ 2:25 pm

Fantastic article post.Really thank you! Cool.
By andaman nicobar tour, March 17, 2023 @ 6:16 pm

Thank you ever so for you blog post.Really thank you! Really Great.
By Carrington Wyatt, March 17, 2023 @ 7:08 pm

hydroxychloroquine hydroxychloroquine coronavirus
By online wine delivery in ranchi, March 17, 2023 @ 9:51 pm

Great article post. Cool.
By Cowden Spencer, March 18, 2023 @ 12:38 am

Nice post. I was checking continuously this blog and I am impressed! Very helpful information specially the last part I care for such information a lot. I was looking for this certain information for a very long time. Thank you and best of luck.
By car rental coimbatore self drive, March 18, 2023 @ 8:45 am

Im obliged for the blog.Really thank you! Great.
By chennai self drive car rental, March 18, 2023 @ 11:44 am

Thank you ever so for you blog post.Much thanks again.
By download lagu insan biasa lesti, March 18, 2023 @ 1:37 pm

I was able to find good advice from your articles.
By adjustable bench for home gym india, March 18, 2023 @ 2:30 pm

Great article post.Thanks Again. Great.
By happy mpo, March 18, 2023 @ 3:17 pm

Very descriptive blog, I liked that bit. Will there be a part 2?
By nift in india, March 18, 2023 @ 9:48 pm

Thanks again for the article.Really thank you! Really Great.
By happy mpo slot, March 19, 2023 @ 4:29 am

Hi there everyone, it’s my first pay a quick visit at this web page, and post is really fruitful in favor of me,
keep up posting these types of articles or reviews.
By slot gacor, March 19, 2023 @ 10:06 am

wow, awesome blog article.Thanks Again. Cool.
By white cotton shirt, March 19, 2023 @ 1:26 pm

Thanks so much for the blog.Really looking forward to read more. Really Cool.
By sv388, March 19, 2023 @ 2:33 pm

Heya i’m for the first time here. I found this board and I to find It truly helpful & it helped me out much.
I hope to offer something again and aid others such as you helped
me.
By dhoti shirt for men, March 19, 2023 @ 6:44 pm

Very informative article. Really Cool.
By bounce house rentals, March 19, 2023 @ 7:48 pm

erection pills: ed pills online – best pill for ed
By карта мира на стену из дерева, March 19, 2023 @ 9:30 pm

Hi, after reading this amazing article i am as well delighted to share my knowledge here
with friends.
By levitra generic, March 19, 2023 @ 9:42 pm

Im obliged for the blog post. Really Great.
By Lucretia Haynes, March 19, 2023 @ 11:52 pm

Hello mates, its enormous piece of writing concerning educationand entirely explained, keep it up all the time.
By sv388, March 20, 2023 @ 2:18 am

Hi there! I could have sworn I’ve been to your blog before but
after looking at some of the posts I realized it’s new
to me. Nonetheless, I’m definitely delighted I came across it and I’ll be
bookmarking it and checking back often!
By Linux Foundation CKAD, March 20, 2023 @ 4:36 am

Some really interesting information, well written and broadly speaking user friendly.
By карта из дерева на стену с подсветкой, March 20, 2023 @ 5:17 am

I do not even know how I ended up here, but I thought
this post was good. I don’t know who you are but definitely you are going to a famous
blogger if you are not already Cheers!
By Tubidy, March 20, 2023 @ 5:35 am

Hello! I could have sworn I’ve been to this blog before but after browsing through many of the articles I realized it’s new to me. Anyhow, I’m definitely delighted I came across it and I’ll be bookmarking it and checking back regularly!
By Jump A Roo`s Hannibal, MO, March 20, 2023 @ 8:57 am

ivermectin brand name ivermectin for sale – ivermectin 1 cream generic
By weight loss meal delivery, March 20, 2023 @ 10:33 am

Im thankful for the post.Really looking forward to read more.
By student exchange program malaysia to japan, March 20, 2023 @ 12:59 pm

Hi there i am kavin, its my first time to commenting anywhere, when i read this post i thought i could also make commentdue to this brilliant paragraph.
By one day trip from bangalore, March 20, 2023 @ 2:09 pm

Thanks for the blog.Really looking forward to read more. Really Cool.
By v bucks generator, March 20, 2023 @ 4:59 pm

Very great post. I just stumbled upon your weblog
and wanted to mention that I have truly enjoyed browsing your weblog posts.

After all I’ll be subscribing on your rss feed and
I am hoping you write again soon!
By world best interior designers, March 20, 2023 @ 5:42 pm

Very neat article post. Great.
By click here, March 20, 2023 @ 8:03 pm

Hi! I just would like to give you a huge thumbs up for your great info you have right here on this post. I will be returning to your blog for more soon.
By car hire in coimbatore, March 20, 2023 @ 8:40 pm

Great, thanks for sharing this blog post.Thanks Again. Really Cool.
By 해운대호빠, March 20, 2023 @ 11:35 pm

[IZ상위노출] To be honest, I wasn’t sure about your blog—→해운대호빠
By www.jumparoundwi.com, March 21, 2023 @ 12:01 am

Absolutely composed content , regards for entropy.
By sbobet, March 21, 2023 @ 12:14 am

It’s appropriate time to make some plans for the
future and it is time to be happy. I have read this post and if I could I wish to suggest
you few interesting things or advice. Maybe you
can write next articles referring to this article.
I want to read even more things about it!
By tubidy mp3, March 21, 2023 @ 3:55 am

Hi there! This article couldn’t be written much better! Looking through this post reminds me of my previous roommate! He constantly kept preaching about this. I’ll send this information to him. Pretty sure he’s going to have a very good read. Many thanks for sharing!
By online furniture stores india, March 21, 2023 @ 5:47 am

Major thankies for the blog.Thanks Again. Keep writing.
By best ielts online coaching, March 21, 2023 @ 11:29 am

Looking forward to reading more. Great blog. Cool.
By Ryan Parker, March 21, 2023 @ 11:58 am

Very nice post. I just stumbled upon your blog and wanted to say that I’ve truly enjoyed surfing around your blog posts. In any case I will be subscribing to your rss feed and I hope you write again soon!
By Leonora Swift, March 21, 2023 @ 1:19 pm

slots online slots games vegas slots online
By diet meal delivery, March 21, 2023 @ 1:26 pm

poker online- World’s Top Online Casinos, new user welfare register bonus 66₱, daily Betting Rebate 2. fast withdraw, good bonus, variety of games, World brand is trustworthy. Slot games, Card games , Live Casino, Animals(Cockfight games), fishing.
By карта мира деревянная на стену с подсветкой, March 21, 2023 @ 5:31 pm

May I simply say what a relief to find somebody that really knows what they’re discussing
online. You actually know how to bring an issue to light and make it important.
More and more people ought to read this and understand
this side of the story. I can’t believe you aren’t more popular because you
surely possess the gift.
By buy viagra cvs, March 21, 2023 @ 6:03 pm

Really informative article. Keep writing.
By Helton Holland, March 21, 2023 @ 6:51 pm

hello!,I really like your writing very a lot! share we keep up a correspondence extraabout your post on AOL? I need an expert in this space toresolve my problem. Maybe that is you! Having a look ahead to peer you.
By hotel booking, March 21, 2023 @ 9:40 pm

Thanks-a-mundo for the blog.Really thank you! Will read on…
By idnpoker, March 21, 2023 @ 11:40 pm

bookmarked!!, I really like your site!
By http://www.Ruanjiaoyang.com/member.asp?action=view&memName=QJAArielle4044857, March 21, 2023 @ 11:48 pm

Excellent post. I was checking constantly this blog
and I am impressed! Extremely helpful information specially the last
phase I handle such information much. I used to be seeking this certain information for a very
lengthy time. Thanks and good luck. http://www.Ruanjiaoyang.com/member.asp?action=view&memName=QJAArielle4044857
By https://Wiki.Onchainmonkey.com/index.php?title=User:KristyCormack, March 22, 2023 @ 1:46 am

Good post! We will be linking to this great content
on our site. Keep up the good writing. https://Wiki.Onchainmonkey.com/index.php?title=User:KristyCormack
By Julie Allan, March 22, 2023 @ 1:54 am

That is a very good tip particularly to those fresh to the blogosphere. Brief but very accurate information… Thanks for sharing this one. A must read post!
By tubidy, March 22, 2023 @ 2:27 am

Aw, this was an exceptionally good post. Taking a few minutes and actual effort to produce a really good article… but what can I say… I put things off a lot and never seem to get nearly anything done.
By ballonger tegning, March 22, 2023 @ 7:57 am

Fantastic article.Really thank you! Want more.
By keto meal delivery, March 22, 2023 @ 8:53 am

Wonderful work! That is the kind of information that are meant to be shared around the web. Shame on the search engines for now not positioning this publish higher! Come on over and visit my web site . Thank you =)|
By diet meal delivery, March 22, 2023 @ 11:08 am

Way cool! Some extremely valid points! I appreciate you penning this write-up plus the rest of the site is very good.|
By Murah domain Malaysia, March 22, 2023 @ 11:08 am

There is definately a great deal to learn about this topic. I really like all of the points you’ve made.
By Best Auto Repair Near Me, March 22, 2023 @ 1:44 pm

Thank you for your blog.Much thanks again. Will read on…
By Regular Home Cleaners, March 22, 2023 @ 3:47 pm

Tongits go – World’s Top Online Casinos, new user welfare register bonus 66₱, daily Betting Rebate 2. fast withdraw, good bonus, variety of games, World brand is trustworthy. Slot games, Card games , Live Casino, Animals(Cockfight games), fishing.
By container cafe, March 22, 2023 @ 4:32 pm

Say, you got a nice article.Thanks Again. Keep writing.
By http://hitmind.ru/, March 22, 2023 @ 6:29 pm

Your style is very unique compared to other people I’ve read stuff from.
Thank you for posting when you have the opportunity, Guess I’ll just bookmark this site.
By Quality Auto Repair, March 22, 2023 @ 6:32 pm

I loved your article post.Much thanks again. Cool.
By Regular Home Cleaners Cardiff, March 22, 2023 @ 11:22 pm

jackpot- World’s Top Online Casinos, new user welfare register bonus 66₱, daily Betting Rebate 2. fast withdraw, good bonus, variety of games, World brand is trustworthy. Slot games, Card games , Live Casino, Animals(Cockfight games), fishing.
By Plastic Water Bottles, March 23, 2023 @ 12:18 am

Very informative article. Want more.
By Is Watch ‘80 for Brady: on Hulu?, March 23, 2023 @ 5:40 am

We’re a group of volunteers and starting a new scheme in our community.
Your site provided us with valuable information to work on. You’ve done a formidable job
and our whole community will be grateful to you.
By Waist Trainer, March 23, 2023 @ 6:47 am

Tongits go – World’s Top Online Casinos, new user welfare register bonus 66₱, daily Betting Rebate 2. fast withdraw, good bonus, variety of games, World brand is trustworthy. Slot games, Card games , Live Casino, Animals(Cockfight games), fishing.
By india24bet, March 23, 2023 @ 9:44 am

I needed to thank you for this great read!! I definitely loved every bit of it. I have got you book-marked to look at new stuff you postÖ
By cnc milling part, March 23, 2023 @ 10:12 am

I truly appreciate this article post.Really thank you! Really Great.
By Waist Trainer, March 23, 2023 @ 11:29 am

747 online casino- World’s Top Online Casinos, new user welfare register bonus 66₱, daily Betting Rebate 2. fast withdraw, good bonus, variety of games, World brand is trustworthy. Slot games, Card games , Live Casino, Animals(Cockfight games), fishing.
By https://tubidy.net.za, March 23, 2023 @ 1:36 pm

The next time I read a blog, I hope that it won’t fail me as much as this one. After all, I know it was my choice to read through, but I truly believed you would have something helpful to say. All I hear is a bunch of crying about something that you could possibly fix if you weren’t too busy looking for attention.
By Namibia students financial assistance fund, March 23, 2023 @ 1:50 pm

I think this is a real great blog post.Really looking forward to read more. Much obliged.
By Bokep, March 23, 2023 @ 5:55 pm

There is definately a lot to know about this issue. I really like all the points you’ve made.
By Tubidy Mp3 Download, March 23, 2023 @ 8:26 pm

Muchos Gracias for your blog article.Thanks Again. Keep writing.
By Madelaine Garcia, March 23, 2023 @ 8:40 pm

zithromax liquid – zithromax 500 zithromax pfizer
By Molly Hartley, March 23, 2023 @ 11:25 pm

academic writers online – write papers for me hire essay writer
By Waist Trainer, March 24, 2023 @ 12:16 am

poker game- World’s Top Online Casinos, new user welfare register bonus 66₱, daily Betting Rebate 2. fast withdraw, good bonus, variety of games, World brand is trustworthy. Slot games, Card games , Live Casino, Animals(Cockfight games), fishing.
By снять место для хранения вещей, March 24, 2023 @ 9:04 am

Hi, i read your blog occasionally and i own a similar one and i was just curious if you get a lot of
spam remarks? If so how do you prevent it, any
plugin or anything you can recommend? I get so much lately it’s driving me mad so any assistance is very much appreciated.
By https://www.sbssibo.com/popular-design-for-outbound-cooler-bag-waterproof-backpack-cooler-bag-sibo-product/, March 24, 2023 @ 9:18 am

Enjoyed every bit of your article post.Thanks Again. Awesome.
By restaurant with outdoor drinks, March 24, 2023 @ 4:47 pm

Muchos Gracias for your article post. Cool.
By сервис по хранению вещей минск, March 24, 2023 @ 7:38 pm

If you are going for finest contents like me, only pay a
visit this site daily as it presents feature contents, thanks
By bounce house rentals, March 24, 2023 @ 8:59 pm

You completed a few fine points there. I did a search on the subject and found the majority of people will agree with your blog.
By Indian Railways, March 24, 2023 @ 9:17 pm

Hey, thanks for the blog.Thanks Again. Will read on…
By http://masakra.ru/, March 25, 2023 @ 2:16 am

Pretty nice post. I just stumbled upon your blog and wanted to say that I’ve really enjoyed surfing around your
blog posts. In any case I will be subscribing to your feed and I hope you write
again soon!
By хранение электроники, March 25, 2023 @ 2:44 am

Wonderful work! That is the kind of info that should be shared across
the internet. Disgrace on Google for no longer positioning this post upper!
Come on over and talk over with my site . Thanks =)
By sell merchant accounts, March 25, 2023 @ 3:41 am

ph2bet- World’s Top Online Casinos, new user welfare register bonus 66₱, daily Betting Rebate 2. fast withdraw, good bonus, variety of games, World brand is trustworthy. Slot games, Card games , Live Casino, Animals(Cockfight games), fishing.
By хранение бытовой техники, March 25, 2023 @ 3:46 am

Howdy! This article could not be written any better!
Reading through this article reminds me of my previous roommate!

He continually kept preaching about this. I will forward this
post to him. Pretty sure he’ll have a very good
read. I appreciate you for sharing!
By Entertainment News, March 25, 2023 @ 6:06 am

Im grateful for the post. Cool.
By download lagu mp3, March 25, 2023 @ 7:26 am

Everything is very open with a really clear clarification of the challenges. It was truly informative. Your site is useful. Many thanks for sharing.
By bracelet bangle, March 25, 2023 @ 10:25 am

Wow, great blog.Much thanks again. Cool.
By writing service, March 25, 2023 @ 1:30 pm

Thanks for sharing, this is a fantastic blog.Really thank you! Keep writing.
By Ke chua hang, March 25, 2023 @ 1:36 pm

Utterly pent content, Really enjoyed looking at.
By Rosalie Summers, March 25, 2023 @ 4:37 pm

Itís hard to come by experienced people on this topic, however, you sound like you know what youíre talking about! Thanks
By start a digital payments business, March 25, 2023 @ 5:36 pm

747 online casino- World’s Top Online Casinos, new user welfare register bonus 66₱, daily Betting Rebate 2. fast withdraw, good bonus, variety of games, World brand is trustworthy. Slot games, Card games , Live Casino, Animals(Cockfight games), fishing.
By Hudson Brooks, March 25, 2023 @ 7:21 pm

how to set up gamecube controller for dolphin
By tubidy mp3, March 25, 2023 @ 7:54 pm

I really like it when people get together and share ideas. Great site, stick with it!
By trendy ringer, March 25, 2023 @ 8:10 pm

I truly appreciate this post.Much thanks again. Awesome.
By colis, March 25, 2023 @ 10:41 pm

Pretty great post. I just stumbled upon your blog and wanted to mention that I have truly enjoyed surfing around your blog posts. After all I’ll be subscribing on your feed and I’m hoping you write again soon!|
By malaysia visa singapore, March 25, 2023 @ 11:40 pm

Thank you ever so for you article post.Much thanks again. Cool.
By v bucks generator, March 26, 2023 @ 12:59 am

You are so cool! I don’t suppose I’ve read something like that before.

So good to find somebody with some genuine thoughts on this topic.
Really.. many thanks for starting this up. This website is
something that’s needed on the internet, someone with some originality!
By Rhoda Kay, March 26, 2023 @ 2:13 am

I am constantly browsin online for articles that can facilitate me.Thank you!
By how to write a concluding paragraph for an essay, March 26, 2023 @ 2:23 am

Usually I do not learn post on blogs, however I wish to say
that this write-up very pressured me to try and do it!
Your writing style has been surprised me. Thanks, quite great article.
By cord skjorte dame, March 26, 2023 @ 7:14 am

Major thankies for the article.Much thanks again. Want more.
By godteributikk oslo, March 26, 2023 @ 10:19 am

Im obliged for the post.Really looking forward to read more. Really Cool.
By http://Classicalmusicmp3freedownload.com/ja/index.php?title=:CrystalShillito, March 26, 2023 @ 11:08 am

Everyone loves what you guys tend to be up too. This kind of clever work and coverage!

Keep up the good works guys I’ve added you guys
to blogroll. http://Classicalmusicmp3freedownload.com/ja/index.php?title=%E5%88%A9%E7%94%A8%E8%80%85:CrystalShillito
By Treding News, March 26, 2023 @ 2:32 pm

This is one awesome blog post.Much thanks again. Great.