Even More Debit and Credit Card Confusion

Time to circle back and discuss the cards, credit and debit, again.

If you are just joining us, I will recap. Debit card transactions now outnumber C Cards 2 (Andres Rueda) credit card transactions in America. Frank doesn’t get it. He has used a debit card maybe three or four times in his life. Although he can imagine several special cases in which a debit card would be preferable to a credit card for a person, he can’t wrap his head around the idea that the majority of people fall into those categories.

Wise Bread today ran a feature comparison of credit versus debit cards. Debit cards did not fare well in the head-to-head, besting credit only on the “Which is better for avoiding credit card debt?” criterion.

This, by far, is the strongest argument in favor of the debit card. If it helps you control your spending and helps you avoid credit card debt, then that one feature alone is as precious as gold. If you currently have credit card debt or are trying to get out of credit card debt, then cutting up the credit card and using a debt card is probably one of the smartest decisions you can make.

Actually, it is more than just the strongest argument in favor of debit, it is nearly the only one. And it is impossible to refute. If carrying a debit card helps you control your spending, then it makes sense. But the same can be said of lining your hat with tin foil. If it makes you feel better, then go right ahead. Nobody else needs to know.

I guess my confusion starts with not understanding why a person would find using a debit card to be a useful psychological crutch. To begin with, I am not sure that the fundamental premise, that a debit card limits you to spending the cash you actually have, is necessarily true. I see a lot of buzz about overdrafts out there.

Moreover, it seems to me that limiting yourself to spending every penny you have is not the best place to draw the line. It is like saying that sure, you snort a lot of cocaine, but you would never smoke crack.

Can it simply be that people, and apparently this is the majority of people, are a little more reluctant to spend “their” money out of the checking account than they are to incur a charge they will be billed for in a few weeks? Are we really that childish?

Yeah, I think so.

One of the several ways in which credit cards are clearly more useful than debit is in renting a car. I have to admit that I have been listing this as plus for credit without really thinking about it. Then the other day The Consumerist ran Why Won’t Rental Car Companies Let Me Use My Debit Card?

It is actually a good question, come to think of it. The post gives an inadequate answer.

Since you’re borrowing a car that likely costs several thousand dollars and the rental company doesn’t know you from the next person, the credit card is a guarantee of sorts that they’ll be getting paid no matter when — or in what condition — you return the vehicle.

Meanwhile, a debit card doesn’t offer the company the same protections, as it’s limited to whatever cash is in the associated account. So if they do take your card, you might have to jump through some expensive hoops.

Yes, but there is a spending limit on the credit card. It is not like they can just put the whole cost of replacing the car on your Visa if you never bring it back. (And I do hope it is more than “several thousand dollars.”) I presume that the rental companies have some way of checking that there is enough credit left on your card to pay for the rental and maybe a few extra charges, but it is hard to imagine that they think of a credit card as a blanket guarantee.

There is some finite number of dollars that the rental company can charge to your credit card, just as there is with your debit card. The rental company, I assume, can ascertain the amounts of both and, I believe, put a hold on an appropriate portion in both cases to make sure they will get paid. So why do they shun debit cards?

It is possible that this is ultimately no more profound than that they have not built up the systems and procedures necessary to take debit. With the vast majority of their customers being credit card wielding business travelers, they do not have a great incentive to bother. Or could it be that they are just more comfortable renting to somebody who carries proof that at least one bank thinks he is creditworthy?

My confusion continues.

(For the benefit of those who do not read The Consumerist regularly, you might want to check out this amusing pie chart. Also, I am apparently in grave danger.)

[Photo – Andres Rueda]

Credit Cards, PF Blogs | Frank Curmudgeon | September 15, 2010 11:59 am

151 Comments

By Noah, September 15, 2010 @ 12:37 pm

I think debit vs credit for rental car agencies is more of a quick credit check. If you can get a credit card with a high enough limit to book a car you probably have ok credit, if not your a risk. It think they use it as part of a risk matrix, much like insurance companies do.

You can usually pay however you want at the end of the rental, they just want the assurance of having a credit card on file. I’ve even seen people settle the bill in cash.
By Josh, September 15, 2010 @ 2:12 pm

The last time I rented a car, they put a hold on my card for quite a bit more than what I was going to pay. I think it was to cover them if I kept the car for a few extra days, or something like that. If that’s true, then the reason they don’t do it on debit cards is that the user will think that they’ve actually taken that money from their account.

The concept of a temporary hold works great when your card balance doesn’t matter until you pay the bill at the end of the month, but it doesn’t work at all if the hold shows up on your online banking site as soon as you drive away.

On an unrelated note, the reason I use my debit card is that my credit card limits are too low to cover my monthly spending, and it’s too much trouble to get another one. If I’ve got a big buffer in my checking account and positive cash flow overall, it’s annoying to have to remember to switch cards halfway through the month because one is maxed out.
By Neil, September 15, 2010 @ 2:31 pm

In addition to being a form of credit check, most credit cards have limits that are some multiple of a typical bank balance. My credit card lets me borrow up to $12,500, even though it’s rare for me to have more than $3k in my chequing account.

So the size of guarantee is usually larger on a credit card.

And I’m not sure how preauths work on debit cards. It seems that putting a hold on a couple grand in a bank account is much more paralyzing than putting a hold on a couple thousand of your credit limit.

I am, however, glad you’re coming around to my world view and accepting that yes, the general public really is that childish.
By Neil, September 15, 2010 @ 2:32 pm

Oh, yeah, and to cover the rental company’s risk, they don’t need to hold the whole value of the car on your card, they just need to hold their insurance deductible.
By SophieW, September 15, 2010 @ 3:11 pm

Up here in Canada the debit card has been around for over 20 years. It is a huge part of our financial world and is unlikely to ever go away. I don’t know the exact numbers, but I’m pretty sure that debit card transactions rival credit card ones.

As soon as we open a bank account we are given our debit card – it is our bank card too. This includes young people and those who don’t qualify for a credit card. So right there you have a huge benefit to the debit card.

Our banking system is exceptionally integrated thanks to our ‘big 5′ banks. As a teenager – a very long time ago – I could go to any ATM and withdraw money, which was so handy.

I find it awkward in the States to remember I can only use cash or credit cards at most stores. I’m too used to pulling out the debit card and being able to use it for no fee whatsoever.

One final plus is my local gas station. If you purchase gas with cash or a debit card they automatically drop 2 cents off per litre (3.5 on thursdays) because they are saving the transaction fee charged to them by the credit card companies. More businesses are starting to do it too.

It’s like carrying cash any of the hassles of carrying cash. I can understand using a credit card for big purchases, especially ones that you don’t have enough in the bank to cover, but for every day expenses? It’s definitely the way to go!
By Kosmo @ The Soap Boxers, September 15, 2010 @ 3:17 pm

“Yes, but there is a spending limit on the credit card. It is not like they can just put the whole cost of replacing the car on your Visa if you never bring it back. ”

Well, since there is an “over the limit” fee on most cards, it’s definitely possiblty to go over the limit.

Does that mean that Avis can charge the replacement cost of a Hummer to your card? I don’t know (probably not).
By Frank2, September 15, 2010 @ 3:26 pm

Frank,

Question – how to you manage your savings? Checking, savings, brokerage, 401k, CDs, etc? Do you have multiple accounts for different purposes or do you have one large account with a physical or mental accounting system to determine what is allocated for what?
By jim, September 15, 2010 @ 5:07 pm

Sophie, Do your ATM cards have a visa/mastercard logo? The ATM cards in the USA all seem to work on Visa/MC network now. Basically everything you say is true in the USA with the exception of using an ATM card as an ATM card (no signature) is not accepted every store. People just use it like a Visa/MC and sign for the purchase here, theres no cost to customers for that. Grocery and gas stations generally accept the ATM card with use of a PIN.
By jim, September 15, 2010 @ 5:08 pm

Hertz.com explicitly says debit cards are accepted but does say they’ll run a credit check. creditcard.com and bankrate.com have articles stating that you can use debit cards to rent cars but you may get the run around and the initial answer may be ‘no’. If you do use a debit card they may run a credit check and put a $200-$500 ‘hold’ on your account for up to 14 days.
By RL, September 15, 2010 @ 5:27 pm

The reason why rental car companies are all fussy about debit cards is the same as they are all fussy about those under 25 years olds. Debit card holders are just being the victims of statistics.

They know from experience that people who rent with a debit card statistically run a higher risk of returning late/not returning/damaging the car.

Hence the extra credit checks and holding higher amounts of money on the card.
By Stagflationary Mark, September 15, 2010 @ 7:44 pm

For what it is worth, I don’t get it either.

As a related topic…

I had a coworker who used an American Express card many years ago. I asked him about it. If memory serves he paid a $75 annual fee. I asked him why he didn’t pick a card without a fee. He told me…

“American Express forces me to pay it off every month.”

He paid $75 a year for that? Seriously? That mindset is just so foreign to me.

Meanwhile, I had a credit card that actually paid me to use it. I also paid it off every month AND had the option to not pay it off if something truly tragic happened. It was an option I never used, but I was glad it was there. It had value to me.
By Hibryd, September 15, 2010 @ 8:04 pm

Mark: “He paid $75 a year for that? Seriously? That mindset is just so foreign to me.”

Well, that might not be his only reason. I did light bookkeeping for a lady who put as many of her expenses as possible onto her Amex, and she had a HUGE pile of reward points sitting in her account.

Besides, part of being disciplined is sometimes knowing what your weaknesses are and avoiding them rather than fighting them all day, every day. (Some people can’t trust themselves to act responsibly with a card, so they cut them up, I can’t trust myself eat responsibly in a bakery, so I stay out of them.) Maybe the guy *was* saving himself $75 in either headaches or actual money every year by having a card that forced him to behave.
By frank2, September 15, 2010 @ 10:01 pm

“He paid $75 a year for that? Seriously? That mindset is just so foreign to me.”

What would you suggest he do?

As Hibryd mentioned, isn’t it better to put hard stops in place if they will keep any issues under control?
By Stagflationary Mark, September 16, 2010 @ 8:32 am

Hibryd,

It was his only stated reason. He was not a highly compensated worker. The card’s perks were more than likely not primary factors.

frank2,

“What would you suggest he do?”

I suggested no alternatives nor did I make any attempt to let him know that I found it odd. He obviously thought it was worth the money. As you say, maybe it was (at least to him). I certainly didn’t think any less of him.

I can certainly understand the addictive nature of credit. My addictions lie elsewhere though. I was a computer game programmer and you can probably guess my addiction, lol.
By Boston Steve, September 16, 2010 @ 10:27 am

Here’s a guy who knows how to use a credit card:

http://www.businessweek.com/bwdaily/dnflash/oct2001/nf20011029_1083.htm
By Frank Curmudgeon, September 16, 2010 @ 2:36 pm

Frank2: A brokerage account and his and hers traditional IRAs with a well known discount broker. Wife has a 401(k). I would if I had a job. None of the savings is allocated for anything specific mentally or physically. Why do you ask?
By brian, September 16, 2010 @ 4:59 pm

Most credit cards have car rental insurance built in, among a few other forms of insurance. So the credit card company has both you and the rental company covered. Learned it on iwillteachyoutoberich.com
By Frank2, September 16, 2010 @ 5:22 pm

Frank,

In the ten years it’s been in my wallet I’ve never thought to test it out. Why would I?…None of the savings is allocated for anything specific mentally or physically

I think most people have a far larger number of accounts that they use to manage and meet their savings and spending goals.

People often have different debit cards, credit cards, savings accounts, brokerage accounts, etc.

An Amex for business expenses, an Amex for personal expenses, a visa for places that don’t take Amex. A joint checking account for household expenses (with debit card), a seperate personal checking acount(with debit card), a joint brokerage account (with debit card) for long term savings. Not to mention bank CDs, IRAs, 401ks, 529 accounts etc.

Could one try and move to a different more streamlined system? Sure, but if you’ve built a system that works over 10 or 20 years of marriage – why rock the boat?
By SophieW, September 16, 2010 @ 10:37 pm

Jim – No, our debit cards are not associated with a credit card company, they are associated with the bank. All our banks are part of the Interac system.

Debit credit cards (VISA and MasterCard) only became available here in Canada last year or so, and they don’t seem to be taking off, not surprosingly… The fees are outragous!

Another type of card that is available in some places is a gift card that is useable in any store in a particular mall, now that’s a good idea!
By Zoe, September 17, 2010 @ 4:49 pm

At the credit union where I bank, my checking account balance up to $25K earns 2.5% if I used my debit card 12 times each month and have direct deposit. It used to be 3% but the rate has decreased recently. Still, it’s the best rate I’ve found where I can still have access to my money when I need it.
By Benita Gibas, May 12, 2013 @ 9:17 am

I’m excited to uncover this great site. I wanted to thank you for ones time for this wonderful read!! I definitely liked every bit of it and i also have you book-marked to check out new information in your site.

May I simply just say what a comfort to find an individual who actually understands what they’re discussing over the internet. You definitely understand how to bring a problem to light and make it important. More and more people ought to look at this and understand this side of your story. I can’t believe you are not more popular because you definitely possess the gift.

Excellent write-up. I absolutely appreciate this website. Keep it up!

It’s hard to find well-informed people for this subject, but you seem like you know what you’re talking about! Thanks

You should be a part of a contest for one of the best sites online. I will recommend this blog!

An interesting discussion is worth comment. I think that you ought to publish more about this subject matter, it may not be a taboo matter but typically people don’t discuss these subjects. To the next! Many thanks!!

Hi there! I just wish to give you a big thumbs up for the excellent information you have here on this post. I am coming back to your blog for more soon.

When I initially commented I seem to have clicked on the -Notify me when new comments are added- checkbox and from now on every time a comment is added I recieve four emails with the exact same comment. Perhaps there is a way you are able to remove me from that service? Thanks a lot!

The very next time I read a blog, I hope that it does not disappoint me just as much as this one. After all, Yes, it was my choice to read, but I genuinely thought you would have something useful to talk about. All I hear is a bunch of complaining about something you can fix if you weren’t too busy looking for attention.

Spot on with this write-up, I actually feel this amazing site needs much more attention. I’ll probably be back again to read more, thanks for the advice!

You’re so awesome! I do not believe I’ve truly read through a single thing like that before. So wonderful to find another person with some genuine thoughts on this topic. Seriously.. many thanks for starting this up. This website is something that’s needed on the web, someone with a little originality!

I like reading through an article that will make people think. Also, many thanks for allowing me to comment!

This is the right webpage for anyone who would like to find out about this topic. You understand a whole lot its almost hard to argue with you (not that I actually would want to…HaHa). You certainly put a fresh spin on a subject which has been written about for ages. Great stuff, just excellent!

Aw, this was a very nice post. Taking a few minutes and actual effort to make a really good article… but what can I say… I procrastinate a lot and never manage to get nearly anything done.

I’m impressed, I must say. Seldom do I come across a blog that’s equally educative and entertaining, and without a doubt, you’ve hit the nail on the head. The issue is something that too few men and women are speaking intelligently about. Now i’m very happy that I stumbled across this during my search for something relating to this.

Oh my goodness! Incredible article dude! Many thanks, However I am having problems with your RSS. I don’t know why I cannot subscribe to it. Is there anybody else having identical RSS issues? Anyone who knows the solution can you kindly respond? Thanks!!

An outstanding share! I have just forwarded this onto a colleague who was conducting a little research on this. And he actually ordered me lunch due to the fact that I stumbled upon it for him… lol. So allow me to reword this…. Thanks for the meal!! But yeah, thanks for spending time to talk about this topic here on your web page.

After exploring a number of the articles on your site, I honestly like your technique of blogging. I saved as a favorite it to my bookmark site list and will be checking back soon. Take a look at my web site as well and let me know your opinion.

This website certainly has all the information and facts I wanted concerning this subject and didn’t know who to ask.

There’s certainly a lot to learn about this subject. I love all of the points you’ve made.

You made some good points there. I checked on the web for more information about the issue and found most individuals will go along with your views on this site.

Good post. I learn something new and challenging on websites I stumbleupon on a daily basis. It’s always helpful to read articles from other authors and use something from other sites.

I blog often and I really appreciate your content. Your article has truly peaked my interest. I will book mark your website and keep checking for new details about once per week. I opted in for your Feed too.

Pretty! This has been an extremely wonderful article. Many thanks for providing these details.

Greetings! Very useful advice in this particular article! It’s the little changes that make the most significant changes. Thanks a lot for sharing!

Hi there! This article couldn’t be written much better! Going through this post reminds me of my previous roommate! He constantly kept preaching about this. I’ll send this article to him. Fairly certain he will have a great read. I appreciate you for sharing!

Hi there, I think your site could possibly be having internet browser compatibility problems. Whenever I take a look at your site in Safari, it looks fine but when opening in IE, it’s got some overlapping issues. I simply wanted to provide you with a quick heads up! Apart from that, excellent site!

Having read this I thought it was rather informative. I appreciate you spending some time and effort to put this article together. I once again find myself spending a lot of time both reading and leaving comments. But so what, it was still worth it!

Hello! I could have sworn I’ve been to this website before but after looking at a few of the articles I realized it’s new to me. Anyhow, I’m certainly happy I found it and I’ll be book-marking it and checking back frequently!

I needed to thank you for this good read!! I absolutely enjoyed every bit of it. I have got you book marked to check out new stuff you post…

Hi, I do think this is an excellent web site. I stumbledupon it I am going to return yet again since i have book-marked it. Money and freedom is the best way to change, may you be rich and continue to guide other people.

Your style is very unique compared to other people I have read stuff from. I appreciate you for posting when you have the opportunity, Guess I will just bookmark this blog.

I used to be able to find good info from your content.

Excellent post! We are linking to this particularly great content on our website. Keep up the great writing.

That is a very good tip particularly to those new to the blogosphere. Short but very precise info… Thanks for sharing this one. A must read post!

I could not resist commenting. Very well written!

Saved as a favorite, I like your blog!

Excellent post. I will be facing a few of these issues as well..

Way cool! Some very valid points! I appreciate you writing this write-up and also the rest of the website is very good.

Great blog you’ve got here.. It’s hard to find high-quality writing like yours nowadays. I really appreciate individuals like you! Take care!!

This is a topic that is close to my heart… Thank you! Exactly where are your contact details though?

I truly love your website.. Pleasant colors & theme. Did you create this web site yourself? Please reply back as I’m planning to create my very own site and would love to learn where you got this from or what the theme is called. Kudos!

I love it when individuals get together and share opinions. Great site, stick with it!

Great information. Lucky me I recently found your site by chance (stumbleupon). I have book-marked it for later!

This blog was… how do you say it? Relevant!! Finally I have found something which helped me. Thank you!

Everything is very open with a precise clarification of the challenges. It was definitely informative. Your site is extremely helpful. Thanks for sharing!

I must thank you for the efforts you’ve put in writing this blog. I am hoping to see the same high-grade blog posts from you in the future as well. In fact, your creative writing abilities has inspired me to get my very own blog now
By spartan slots online casino, June 23, 2013 @ 8:55 pm

The standard of metal situations ranges significantly therefore it is very important comparison shop in addition
to pick sensibly. Remedies performed spartan slots online casino or perhaps online video
media spartan slots online casino, you are previously fixed, since
the profitable hands and wrists work quite in the same way-we’ll look at this specific and the couple of dissimilarities with an additional article.
By SEO, June 30, 2013 @ 1:36 pm

I used to be

seeking this certain info for a

long time
By Binary Options assets, July 4, 2013 @ 5:19 pm

Economic information can in fact kindle volatility which will aid Binary Options assets dealers earn cash right away.

In this particular software, the consumer is actually given both equally
a higher plus a lower targeted, and they also could spot
money on sometimes Binary Options assets should they believe the present
price will hit both pace. Although there are many answers for exactly what
Binary Options assets usually are, the next justification is usually
a little more detailed, but in addition quite easy with character.
For example, the particular Hawaiian greenback is often a strong foreign exchange that features a extremely high size
throughout the day, which is in fact nighttime in the united states.
Generating regular benefits in your retirement living prepare has
to be performed frequently.
By begado online casino, July 13, 2013 @ 1:14 pm

Which consists of desert created color palette
in addition to solid wood presented display, you may easily have the ability to visualize additional gamers getting into cowboy hats together
with an item of hay within their pearly white’s since they howl, “Yee-haw” if they hit the idea rich because of their jackpots. In this post, we will highlight about three specific techniques you need to use to locate these Web begado online casino unique codes in order to stand in place 1000s of more dollars about these types of Casinos to help you play regarding a longer period of time and also have a greater prospects for winning big.
By ehighriskmerchant.com, July 20, 2013 @ 1:26 am

Please contact us to discuss your account in detail.
You can order point of sale terminals to accept credit or debit cards at a physical location.

People are nowadays no more interested in making payments through the
cash mode.
By Juliet, July 24, 2013 @ 3:42 pm

I’m impressed, I have to admit. Rarely do I encounter a blog that’s equally educative and amusing, and let me tell you, you have hit the nail on the head.
The problem is an issue that not enough folks
are speaking intelligently about. I am very happy I stumbled across this during my search for
something concerning this.
By emergency dentist tuscaloosa, March 10, 2023 @ 8:55 am

ivermectin 1
By tuscaloosa emergency dentist, March 10, 2023 @ 11:38 am

I really enjoy the post.Really looking forward to read more. Will read on…
By Small Engine Repair, March 10, 2023 @ 4:51 pm

A big thank you for your article post.Really looking forward to read more. Want more.
By Small Engine Carburetor Repair, March 10, 2023 @ 11:34 pm

Appreciate you sharing, great blog post. Keep writing.
By official site, March 11, 2023 @ 11:46 am

That is a great tip particularly to those new to the blogosphere. Simple but very precise information… Thanks for sharing this one. A must read article.
By engine carbon cleaning machine, March 11, 2023 @ 4:55 pm

Really appreciate you sharing this blog.Really thank you! Cool.
By Download Mp3 Libianca People, March 11, 2023 @ 8:39 pm

Howdy! This post couldn’t be written much better! Reading through this post reminds me of my previous roommate! He constantly kept preaching about this. I will send this post to him. Fairly certain he’ll have a great read. Thanks for sharing!
By ac repair Brookhaven Pennsylvania, March 12, 2023 @ 9:23 am

I loved your article post.Thanks Again. Will read on…
By solar panels, March 12, 2023 @ 4:27 pm

A big thank you for your post.Thanks Again. Want more.
By anthony natale n.j. Linkedin, March 13, 2023 @ 7:27 am

Very good blog article.Really looking forward to read more. Great.
By Tony Natale n.j., March 13, 2023 @ 12:57 pm

I am so grateful for your article.Really looking forward to read more. Really Cool.
By anthony natale long branch New Jersey facebook, March 13, 2023 @ 6:20 pm

Enjoyed every bit of your blog post.Much thanks again. Want more.
By michael mendes bankers life and casualty company, March 13, 2023 @ 6:52 pm

Thanks for the blog article.Really thank you! Keep writing.
By bounce house rentals, March 13, 2023 @ 11:56 pm

You ave got a great blog there keep it up. I all be watching out for most posts.
By facebook profiles michael mendes, March 14, 2023 @ 1:40 am

Thanks a lot for the blog article.Really looking forward to read more. Much obliged.
By marketplace san nicolas de los arroyos, March 14, 2023 @ 3:43 am

Well I truly liked studying it. This subject provided by you is very constructive for correct planning.
By visit website, March 14, 2023 @ 9:25 am

Remarkable things here. I am very satisfied to peer your article.Thank you a lot and I am having a look forward to contact you.Will you kindly drop me a mail?
By corel magaletta, March 14, 2023 @ 9:47 am

A round of applause for your article.Really looking forward to read more.
By container cafe, March 14, 2023 @ 2:41 pm

Thanks in favor of sharing such a good idea,article is pleasant, thats why i have read it completely
By download lagu mp3, March 14, 2023 @ 3:25 pm

This blog was… how do you say it? Relevant!! Finally I’ve found something which helped me. Thanks a lot!
By auto connector, March 14, 2023 @ 3:44 pm

Thanks a lot for the blog post.Really thank you! Fantastic.
By auto detailing grodzisk mazowiecki, March 14, 2023 @ 10:51 pm

Major thanks for the blog post.Thanks Again.
By chelsea flower show tickets, March 15, 2023 @ 3:28 am

does tamoxifen make you tired nolvadex – tamoxifen citrate pct
By link judi 899cash terpercaya, March 15, 2023 @ 4:33 am

Great post.Much thanks again. Cool.
By look at these guys, March 15, 2023 @ 4:48 am

Hi, I do believe this is an excellent web site. I stumbledupon it I will come back yet again since i have saved as a favorite it. Money and freedom is the best way to change, may you be rich and continue to help others.
By imtoken下载, March 15, 2023 @ 7:43 am

This is one awesome blog. Awesome.
By https://www.everythingentertainment.com/, March 15, 2023 @ 8:10 am

Piece of writing writing is also a excitement, if you know then you can write otherwise it is complex to write.
By Jump N Play Party Rentals, March 15, 2023 @ 10:51 am

Enjoyed studying this, very good stuff, thanks. “Curiosity killed the cat, but for a while I was a suspect.” by Steven Wright.
By 먹튀커뮤니티, March 15, 2023 @ 1:53 pm

Really informative blog article.Thanks Again. Want more.
By www.ariseeventrentals.com, March 15, 2023 @ 6:58 pm

Your style is unique compared to other people I have read stuff from. I appreciate you for posting when you’ve got the opportunity, Guess I will just book mark this blog.
By 먹튀커뮤니티, March 15, 2023 @ 8:51 pm

I cannot thank you enough for the blog article.Much thanks again. Awesome.
By Isabell Macer, March 16, 2023 @ 9:44 am

Attraktiv Teil von Inhalt. Ich bin nur über Ihr Website gestolpert und habe in Beitrittskapital behaupten, dass ich eigentlich geniesse Account Ihre blog Posts. Wie auch immer Ich werde abonnieren auf deiner füttere und sogar ich Erfolg du Eintrittsrecht erhalten beharrlich schnell.
By french open tickets, March 16, 2023 @ 12:19 pm

That is a great tip particularly to those new to the blogosphere.Brief but very precise information… Thanks for sharing this one.A must read article!
By 라이브베팅, March 16, 2023 @ 6:35 pm

The first thought alone can go wrong. However, even if you think too much, your judgment and execution will be dull. I think twice is probably enough.
By chord raim laode komang, March 16, 2023 @ 6:57 pm

Hi there! This post could not be written any better! Going through this article reminds me of my previous roommate! He continually kept preaching about this. I am going to send this post to him. Fairly certain he’s going to have a great read. Many thanks for sharing!
By formaat waaltjes, March 16, 2023 @ 9:10 pm

I value the blog. Will read on…
By Elfriede Murphy, March 16, 2023 @ 9:12 pm

Hello! This post could not be written any better! Reading through this post reminds me of my previous room mate! He always kept chatting about this. I will forward this write-up to him. Pretty sure he will have a good read. Thank you for sharing!
By filmmakers malaysia, March 17, 2023 @ 4:06 am

Great information. Lucky me I discovered your blog by accident (stumbleupon). I have bookmarked it for later!
By khichdi masala, March 17, 2023 @ 6:50 am

Wow, great blog post.Really looking forward to read more. Will read on…
By download mp3 free, March 17, 2023 @ 8:52 am

Having read this I thought it was very enlightening. I appreciate you spending some time and effort to put this information together. I once again find myself personally spending a significant amount of time both reading and leaving comments. But so what, it was still worthwhile.
By trip to rajasthan, March 17, 2023 @ 10:32 am

I loved your blog.Much thanks again. Much obliged.
By www.icelebrateevents.com/category/disaster_relief_tents/, March 17, 2023 @ 1:06 pm

Hi my loved one! I wish to say that this post is amazing, nice written and comewith almost all vital infos. I would like to look extra posts like this.
By rent bmw, March 17, 2023 @ 1:38 pm

I am so grateful for your article.Much thanks again. Really Great.
By port blair packages from delhi, March 17, 2023 @ 5:26 pm

Thanks for sharing, this is a fantastic post.Thanks Again. Cool.
By Greig Goddard, March 17, 2023 @ 6:23 pm

I’d like to thank you for the efforts you have putin penning this blog. I’m hoping to check out the samehigh-grade blog posts by you in the future as well.In fact, your creative writing abilities has encouraged me toget my very own blog now
By ranchi second hand showroom, March 17, 2023 @ 9:02 pm

I think this is a real great post.Much thanks again. Want more.
By Lawson Mason, March 17, 2023 @ 11:52 pm

Hey there! I’m at work surfing around your blog from my new iphone 4!Just wanted to say I love reading your blog andlook forward to all your posts! Carry on the fantastic work!
By car hire in coimbatore, March 18, 2023 @ 5:09 am

I cannot thank you enough for the post.Much thanks again. Much obliged.
By car hire in coimbatore, March 18, 2023 @ 7:57 am

Hey, thanks for the blog.Really looking forward to read more. Awesome.
By car rental in madurai, March 18, 2023 @ 10:58 am

Looking forward to reading more. Great article post.Really thank you! Fantastic.
By gym machine manufacturer, March 18, 2023 @ 1:44 pm

Very neat article.Much thanks again. Really Great.
By download lagu insan biasa lesti, March 18, 2023 @ 7:12 pm

I blog often and I seriously thank you for your content. This article has truly peaked my interest. I’m going to book mark your site and keep checking for new details about once a week. I opted in for your RSS feed as well.
By nid admission, March 18, 2023 @ 8:57 pm

Thanks for the article post.Really thank you! Much obliged.
By slot gacor, March 19, 2023 @ 9:18 am

A round of applause for your blog.Really thank you! Awesome.
By best white shirts for men, March 19, 2023 @ 12:37 pm

Im grateful for the blog post.Really thank you! Really Great.
By lungi for men, March 19, 2023 @ 5:57 pm

wow, awesome article.Really looking forward to read more. Awesome.
By click here, March 19, 2023 @ 7:02 pm

Outstanding post however I was wondering if you could write a litte more on this subject? I’d be very grateful if you could elaborate a little bit more. Thank you!
By levitra pills, March 19, 2023 @ 8:54 pm

Great article post.Thanks Again. Want more.
By Elaine Stevens, March 19, 2023 @ 11:06 pm

although still keeping all the mandatory tools intact.Free Gmail Accounts 2021 Google Mail Account idAnd Passwordfree gmail account
By CKAD PDF, March 20, 2023 @ 4:05 am

Right now it seems like WordPress is the best blogging platform availableright now. (from what I’ve read) Is that what you are using on your blog?
By diet meal delivery, March 20, 2023 @ 9:45 am

Awesome post.Thanks Again. Great.
By tubidy, March 20, 2023 @ 11:00 am

Excellent write-up. I definitely love this website. Thanks!
By Japan study scholarship for Malaysian students, March 20, 2023 @ 12:13 pm

Hello there! Do you know if they make any plugins to help with Search Engine Optimization? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good success. If you know of any please share. Kudos!
By namma trip, March 20, 2023 @ 1:18 pm

Awesome post.Really thank you!
By weight loss meal delivery, March 20, 2023 @ 4:47 pm

poker- 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 kitchen interior designer, March 20, 2023 @ 4:56 pm

Major thankies for the blog post.Really thank you! Really Cool.
By click here, March 20, 2023 @ 7:16 pm

Thanks for another wonderful article. Where else could anybody get that type of information in such a perfect way of writing? I have a presentation next week, and I’m on the look for such info.
By self drive cars coimbatore, March 20, 2023 @ 7:53 pm

Thanks again for the article post.Really thank you! Want more.
By bounce house rentals, March 20, 2023 @ 11:16 pm

Your style is very unique compared to other people I’ve read stuff from. I appreciate you for posting when you’ve got the opportunity, Guess I’ll just bookmark this blog.
By online furniture shopping, March 21, 2023 @ 4:57 am

Major thankies for the blog post. Want more.
By Tubidy, March 21, 2023 @ 9:06 am

Howdy! I could have sworn I’ve been to this blog before but after looking at many of the posts I realized it’s new to me. Regardless, I’m certainly happy I stumbled upon it and I’ll be book-marking it and checking back regularly!
By study visa consultants, March 21, 2023 @ 10:43 am

Thanks again for the blog article.Really thank you! Keep writing.
By Cadence Hancock, March 21, 2023 @ 11:12 am

Wow that was strange. I just wrote an extremely long comment but after I clicked submit mycomment didn’t appear. Grrrr… well I’m not writing all that over again. Anyways, just wantedto say excellent blog!
By Melville Phillips, March 21, 2023 @ 12:33 pm

Great, thanks for sharing this post.Thanks Again. Want more.
By click here now, March 21, 2023 @ 2:26 pm

Im thankful for the blog article.Really thank you! Awesome.
By viagra directions, March 21, 2023 @ 5:14 pm

I really enjoy the blog. Fantastic.
By Keaton Dawson, March 21, 2023 @ 6:04 pm

Pretty nice post. I just stumbled upon your blog and wanted to say that I’ve truly enjoyed surfing around your blog posts. After all I will be subscribing to your rss feed and I hope you write again soon!
By holiday package booking, March 21, 2023 @ 8:51 pm

Say, you got a nice blog article. Want more.
By Rosaleen Rowe, March 22, 2023 @ 1:06 am

ivermectin stromectol tablets for humans – generic ivermectin for humans
By this website, March 22, 2023 @ 4:46 am

maywood apartments whitnall pointe apartments the walking dead torn apart
By party rentals Rancho Mirage, March 22, 2023 @ 5:44 am

I needed to thank you for this excellent read!! I certainly enjoyed every bit of it. I have got you book marked to look at new stuff you postÖ
By ballonger trondheim, March 22, 2023 @ 7:10 am

Thanks again for the blog article.Really looking forward to read more. Will read on…
By tubidy mp3 download, March 22, 2023 @ 7:42 am

I need to to thank you for this good read!! I certainly enjoyed every little bit of it. I’ve got you saved as a favorite to check out new things you post…
By cardiff cleaners, March 22, 2023 @ 7:56 am

poker- 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 Domain name search Malaysia, March 22, 2023 @ 10:23 am

There is definately a lot to find out about this issue. I like all of the points you have made.
By prepared meal delivery, March 22, 2023 @ 11:04 am

Thank you for the good writeup. It in fact was a amusement account it. Look advanced to far added agreeable from you! By the way, how could we communicate?|
By Best Auto Repair Near Me, March 22, 2023 @ 12:57 pm

Thank you for your blog. Great.
By container cafe, March 22, 2023 @ 5:11 pm

Xoilac Tv Thẳng Bóng Đábd24hNếu cứ nghịch như cách vừa đè bẹp Everton cho tới 3-1 trên Sảnh khách
By Top Auto Repair, March 22, 2023 @ 5:45 pm

I appreciate you sharing this article post.Much thanks again. Keep writing.
By Plastic Bottles, March 22, 2023 @ 11:29 pm

Really enjoyed this article post. Will read on…
By prepared meal delivery, March 22, 2023 @ 11:56 pm

Yes! Finally someone writes about keyword1.|
By Waist Trainer, March 23, 2023 @ 2:14 am

taya slot- 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 @ 8:58 am

what is the best all natural ed pill – mexican pill for ed placebo pills for ed
By cnc milling part, March 23, 2023 @ 9:24 am

A round of applause for your post.Really thank you! Awesome.
By Namibia students financial assistance fund, March 23, 2023 @ 12:59 pm

Major thankies for the blog post.Much thanks again. Will read on…
By Bokep, March 23, 2023 @ 5:09 pm

Thank you for every other great article. Where else could anybody get that type of info in such an ideal approach of writing? I’ve a presentation subsequent week, and I’m at the look for such info.
By tubidy, March 23, 2023 @ 6:36 pm

This is a topic that is close to my heart… Many thanks! Where are your contact details though?
By Tubidy Mp3, March 23, 2023 @ 7:35 pm

Really appreciate you sharing this blog post. Will read on…
By India Oliver, March 23, 2023 @ 7:53 pm

Hey! Would you mind if I share your blog with my twitter group?There’s a lot of folks that I think would really enjoy your content.Please let me know. Thank you
By Waist Trainer, March 23, 2023 @ 10:31 pm

online gambling for real money- 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 Lianne Richardson, March 23, 2023 @ 10:38 pm

Hi! Do you know if they make any plugins to help withSearch Engine Optimization? I’m trying to get myblog to rank for some targeted keywords but I’m not seeing verygood success. If you know of any please share. Thanks!
By health tracker, March 24, 2023 @ 7:57 am

canadian pharmacy ed meds online – ed and diabetes
By https://www.sbssibo.com/about-us/, March 24, 2023 @ 8:29 am

I truly appreciate this article post.Thanks Again. Will read on…
By Weekend nights on chapel street, March 24, 2023 @ 3:52 pm

Thank you for your blog post.Really thank you! Keep writing.
By Funjump408 Morgan Hill CA, March 24, 2023 @ 8:12 pm

us essay writers write my essay generator
By Mukesh Ambani, March 24, 2023 @ 8:27 pm

Great, thanks for sharing this blog article.Much thanks again. Fantastic.
By porn, March 25, 2023 @ 12:46 am

I blog frequently and I genuinely appreciate your content. Your article has really peaked my interest. I am going to book mark your website and keep checking for new details about once per week. I opted in for your RSS feed too.
By Bollywood News, March 25, 2023 @ 5:16 am

I really enjoy the blog.
By download mp3, March 25, 2023 @ 6:36 am

Your style is very unique compared to other folks I’ve read stuff from. Thanks for posting when you’ve got the opportunity, Guess I will just book mark this blog.
By gelang bangle emas, March 25, 2023 @ 9:37 am

Great article.Really thank you! Want more.
By starting a credit card processing company, March 25, 2023 @ 9:40 am

casino online gaming- 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 article writing, March 25, 2023 @ 12:39 pm

Thank you for your blog.Really thank you! Awesome.
By Ke sieu thi, March 25, 2023 @ 12:50 pm

Very nice post. I just stumbled upon your blog and wanted to mention that I havetruly enjoyed surfing around your blog posts. After all I’llbe subscribing in your rss feed and I am hopingyou write again very soon!
By Harriet Stevenson, March 25, 2023 @ 3:50 pm

Hi! I could have sworn I’ve been to this blog before but after going through many of the articles I realized it’s new to me. Nonetheless, I’m definitely delighted I found it and I’ll be book-marking it and checking back often!
By tnt, March 25, 2023 @ 5:58 pm

Excellent article. Keep writing such kind of information on your site. Im really impressed by your blog.
By Harley Bell, March 25, 2023 @ 6:35 pm

free online dating zoosk dating squirt dating
By digital payments business, March 25, 2023 @ 7:05 pm

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 tubidy music download, March 25, 2023 @ 7:06 pm

An outstanding share! I have just forwarded this onto a colleague who was conducting a little homework on this. And he in fact ordered me lunch simply because I discovered it for him… lol. So let me reword this…. Thanks for the meal!! But yeah, thanks for spending some time to talk about this issue here on your internet site.
By gullarmbånd, March 25, 2023 @ 7:16 pm

Thanks-a-mundo for the article.Thanks Again. Really Cool.
By malaysia visa for indian passport holders, March 25, 2023 @ 10:49 pm

Really informative blog post.Really thank you! Keep writing.
By Rita Davidson, March 26, 2023 @ 1:25 am

Wow that was odd. I just wrote an extremely long comment but after I clicked submit my comment didn’t appear. Grrrr… well I’m not writing all that over again. Anyway, just wanted to say great blog!
By dame dress, March 26, 2023 @ 6:25 am

Really informative blog.Much thanks again. Will read on…
By neo tokyo oslo, March 26, 2023 @ 9:30 am

A big thank you for your article post.Really looking forward to read more. Really Great.
By Indian premier league, March 26, 2023 @ 1:44 pm

Thanks so much for the article.Really thank you! Awesome.