Longevity Insurance

As I have written a few times before, I consider the unpopularity of fixed annuities to be one of the larger personal finance conundrums.

Aside from the obvious problem of just not having enough money saved up, longevity risk is probably the number one challenge in planning a retirement. If you do not know how long you are going to live, how can you know how much of your kitty you can spend each year?

Annuities neatly solve this problem. You pay a lump sum to an insurance company and that company agrees to send you a check every month for as long as you are around to cash them. They even come in inflation-adjusting versions that will send you larger checks as the CPI goes up.

This sort of arrangement is practically identical to the defined benefit (a.k.a. pension) schemes that are often wistfully referred to as a part of the Good Old Days. And yet, as products, annuities are remarkably unpopular. They do exist, you can even get quotes for them online, but it is a comparatively tiny niche market. I have never seen firm numbers, but it seems safe to infer that something like only one or two retirees in a thousand buys one.

I have suggested a few explanations for this anomaly. At the top of the list is the reluctance of retirees to become broke once they exchange substantially all their assets for a stream of payments. I think they often have an ambition to leave money to children when they go, but there is also the more visceral aversion to handing over your life savings.

Into this psychological breach steps something called “longetivity insurance.” Last week The New York Times called it “a relatively new product” but all that is new is the name. This is, as the Times points out, just a plain old deferred annuity. Instead of paying you an income starting now, this will pay you an income starting some number of years from now, assuming you are still with us then.

Ignoring for the moment that this is something old in new packaging rather than a new invention, I think the pitch might just work for some older folks. Here goes:

Hey, Mr. 65-year-old, worried about longevity risk? Concerned that if you spend money now you might someday become a broke 85-year-old? Well there is a brand new product just for you: longevity insurance. Just give us a modest sum today, and if you get to 85 we will take care of you from there on out. In the meantime, all you have to do is make what you have left last until 85.

Calling it insurance counts for something. It acknowledges upfront that this is a bet of sorts that may or may not pay off, like fire insurance. You pay money to free yourself from the danger or a particular negative scenario. For the next 20 years you can manage your finances knowing exactly how long your money needs to last. If you get to 85, the insurance will kick in. If you do not, well, the kids get whatever you didn’t get around to spending. And, for now at least, you get to keep your hands on most of your life savings.

Of course, just how much of your savings you get to keep as a 65-year-old, that is, how much this longevity insurance will cost, may be a stumbling block. The Times quotes MetLife as offering a 65-year-old couple an annuity paying $1,000 a month starting when they turn 85 and going until the second one dies for $29,900. That sounds quite reasonable. A similar annuity starting right now for the couple would run about $201,000, according to my favorite annuity window-shopping site immediateannuities.com.

However, it is not as cheap as it seems. The annuity will pay $1,000 a month in 2030 dollars, not 2010 ones, and it seems reasonable to assume that the 2030 bucks will be worth a lot less. How much less? Well, the implied expected inflation rate from 20 year TIPS is 2.51%. That means that the market expects a 2010 dollar to be worth $1.64 in 2030.

So, to get an annuity that is expected to pay the couple $1,000 a month in today’s money starting in 20 years, that is, $1,640 a month in 2030 dollars, would cost $49,090. And, to be clear, that is not an inflation-adjusting annuity. That is, the payments after age 85 are fixed and will lose ground as prices rise. Further, there is no guarantee that $1,640 will in 2030 be worth what $1,000 is today. It is just the market’s best guess.

I think that what a 65-year-old couple would really want would be an annuity that was fully inflation protected, that would pay $1,000 a month in 2010 dollars starting in 2030 and continue to adjust upwards as prices rose. I cannot easily find or calculate a quote for that, but it is safe to assume that it is well above $49,090. Multiply that by how many thousands of dollars a month the couple feels they need to be comfortable and it starts to look like a pretty steep insurance premium.

Which is not to say that it is not a great idea for many newly retired folks, only that it is still a hard sell. The Times piece offhandedly and ominously tells us that New York Life “initially developed a longevity insurance product five years ago, but it never made it available because there wasn’t much demand.” Given the dizzying number of variations on life insurance offered by The Company You Keep, not enough demand to justify even offering the product must be a really small level of demand.

Investing, Media | Frank Curmudgeon | November 8, 2010 12:59 pm

363 Comments

By Mike Piper, November 8, 2010 @ 1:23 pm

Well, you could check what it would cost an 85-year-old to buy an inflation-adjusted annuity today. (Vanguard’s quote system is the only place I know of that offers CPI-adjusted online annuity quotes.)

Then you could calculate how much you’d have to put into 20-year TIPS today to have that inflation-adjusted amount in 2030.

Of course, when 2030 actually rolls around, the amount you have when it comes time to buy that annuity may provide more or less income than you’d hoped — due to changes in real interest rates, life expectancies, or other factors I might not be thinking of.
By Chuck, November 8, 2010 @ 1:35 pm

The longevity insurance premium could be paid annually.
By Mr. West, November 8, 2010 @ 1:53 pm

Posts without pictures are better … then we can read it at work and not worry about someone seeing us goofing off.
By jim, November 8, 2010 @ 4:06 pm

In general it seems like a compelling idea and a good compromise for people.

Life expectancy at age 65 is 17 years for men and 19.7 for women. So about half the couples would not live to 85 and would get nothing and the other half would get the value of the $1000 per month immediate annuity at age 85. I think that the $30k today should get you about $1150/month annuity in 20 years to be competitive.
By Stagflationary Mark, November 8, 2010 @ 8:31 pm

I’ll offer my reason for what it is worth.

I don’t trust insurance companies all that much.

I do not trust them to remain solvent over the life of the annuity. I do not trust them to pay me what I’m owed. I do not trust all the fine print that comes with the contracts.

I actually bought an annuity product once. I was promised 7.5% per year risk free.

Thankfully, I was able to back out the next day (I had a three day window) after I double checked all the math and reverse engineering the payout schedule. It turns out I was not going to be earning anywhere near 7.5%.

They were not happy that I’d bothered to look. It seems they excluded many of the fees from the number they quoted me. Go figure.
By Frankie, November 8, 2010 @ 9:38 pm

Stagflationary Mark,

What that a variable annuity?

People hear bad things about various variable annuity products and think it applies to single premium fixed annuities. The two things are wildly different products.

Also, has anyone lost money on a single premium fixed annuity that was covered a state guarantee fund? I don’t think anyone ever has.
By Stagflationary Mark, November 8, 2010 @ 10:23 pm

Frankie,

1. Just because nobody has lost money in the past doesn’t mean they won’t in the future. We live in a world where it is/was possible to lose money on something as simple as a money market fund.

http://www.nytimes.com/2008/09/17/business/worldbusiness/17iht-17fund.16227852.html

“This is only the second time in history that a money market fund has “broken the buck” — that is, reported a share’s value was less than a dollar.”

2. State guarantees don’t mean much to me. Many states are already on the edge of default as it is. Who insures the insurer?

http://www.businessweek.com/news/2010-06-02/buffett-expects-terrible-problem-for-municipal-debt-update1-.html
By Frankie, November 8, 2010 @ 10:43 pm

Just because nobody has lost money in the past doesn’t mean they won’t in the future.

Yes, but of all the retirement options available this is one of the safest. What to you propose people invest in? Real Estate, Gold, t-bills? Everything has a risk.
By jim, November 8, 2010 @ 11:23 pm

Annuities are backed by state guarantee associations for minimum $100k. Very much like FDIC insurance.
By Stagflationary Mark, November 9, 2010 @ 9:14 am

For what it is worth, I prefer long-term TIPS and I-Bonds. No middleman. No fees. Both are tied to the CPI. Rates have dropped considerably, but that’s pretty much true of everything right now. I also owned a great deal of gold and silver from 2004 to 2006, but at these prices I have no interest.
By Stagflationary Mark, November 9, 2010 @ 9:19 am

http://www.safemoneyplaces.com/guaranty.htm

“Is an annuity as safe as an FDIC insured bank account? No, because federally insured is by definition superior to a state guaranty.”
By Stagflationary Mark, November 9, 2010 @ 10:01 am

I want to point out that I do like the idea of longetivity insurance in general. I’m just not all that willing to trust insurance companies. One option I might consider late in life would be a reverse mortgage on my home. It pays off if I live longer than expected. If I die early it isn’t like I will complain. I’ll be dead. I won’t even know I lost money on the deal.
By Stagflationary Mark, November 9, 2010 @ 10:04 am

I meant longevity. Oops. It’s been a long night.
By Frankie, November 9, 2010 @ 8:43 pm

For what it is worth, I prefer long-term TIPS and I-Bonds.

The ones with the negative yields?

What is your withdrawal going to be?
By Frankie, November 9, 2010 @ 8:46 pm

I’m just not all that willing to trust insurance companies.

Also, you’re not trusting the insurance companies, you’re trusting the state guarantee funds.
By Stagflationary Mark, November 9, 2010 @ 9:50 pm

Frankie,

“The ones with the negative yields?”

There are no long-term TIPS or I-Bonds with negative yields.

I buy and hold until maturity. As I have said, yields have dropped. My last TIPS purchase was a 2%+ 30 Year TIPS earlier this year though. That same bond’s rate has dropped to 1.6% as of today. I’d still be a buyer (if held to maturity).

As for my withdrawal, it is quite minimal I assure you. I am perfectly fine with tapping principal. I believe that a penny saved is a penny earned and no more than that (at least in this economy and the one I project forward).

“Also, you’re not trusting the insurance companies, you’re trusting the state guarantee funds.”

Of course I am trusting insurance companies. You should see all the denials of coverage my girlfriend continually gets when trying to get her medical bills paid. Insurance is insurance.

I’ve also made it fairly clear that I don’t trust state guarantees all that much.

Let’s put this another way. If I had owned AIG annuities when AIG was going through enormous financial stress, I too would have been enormously stressed out. I just don’t need that in my life.

I turned bearish in 2004. I started my bearish blog in 2007. I’m still bearish. I don’t see anything that’s going to change my opinion long-term. I therefore value safety first and foremost.
By Stagflationary Mark, November 9, 2010 @ 10:04 pm

As a side note, here’s what I posted today and why I am still bearish long-term.

http://illusionofprosperity.blogspot.com/2010/11/total-household-liabilities.html
By Frankie, November 10, 2010 @ 2:55 pm

You should see all the denials of coverage my girlfriend continually gets when trying to get her medical bills paid.

Hum, never had a problem with any kind of insurance. Car, home, health, all paid promptly and without question. Even AMEX was a delight to work with and paid up when I crashed a car I rented with my card.
By Stagflationary Mark, November 10, 2010 @ 7:21 pm

Frankie,

Hum, never had a problem with any kind of insurance.

Lucky you.
By Dangerman, December 26, 2010 @ 8:18 pm

I know this article is some ~two months old now, but I was researching this topic and found that you can get all on the online quotes you want from Symetra.

Check out here: http://www.symetra.com/financial/salestools/quotes.asp and click “Go” under quote for the “Freedom Income Annuity”

@Frank Curmudgeon: “65-year-old couple would really want would be an annuity that was fully inflation protected, that would pay $1,000 a month in 2010 dollars starting in 2030 and continue to adjust upwards as prices rose.”

Although one has to use “the market’s best guess” for inflation instead of an explicit inflation protection guarantee, using the same 2.51%… the cost for this is currently $67,663.30.

A pretty good deal, I think.
By Murf, May 2, 2011 @ 5:04 pm

so you pay $29K to get $12K per year in income. if instead they invest $29K and earn 8%, then pull from that at 4% a year starting age 85, they get $5.4K per year, using 4% as the standard rate that allows savings to ‘last a lifetime’. so the longevity brings over twice as much income per year starting at 85, unless the person somehow earns over 12% per year for 20 years. Hmmm, folks who are 65+ probably won’t be investing in things that earn 12% per year.
By John doe, July 27, 2011 @ 8:22 pm

Guy,

One or two in a thousand purchase annuities. Are you hiding under a rock or do you just make poorly researched statements for a living? About 999 out of 1,000 have annuities. Some are good, others aren’t. It depends on the particular person’s situation. Annuities are VERY popular because of the guarantees provided. There are thousands out there so I have to ask, which are the unpopular ones you speak of?

Thanks,
John
By شات بنات مصر, October 12, 2011 @ 12:23 pm

I’ve been looking into different types of investments like dividend stocks, bonds, and internet properties but i would never drop alot of money before i felt like i knew what i was getting into.

To be honest i don’t know anything about forex, but i’m sure if you know it well enough, there are some safer ways to do it.
It just becomes a problem when people that are novices jump in things like forex and the stock market thinking that they will make easy money
By CapVandal, May 26, 2012 @ 2:22 pm

I was just reading in today’s Barrons that NY Life (A++) offers a contract for a 60 year old male that pays out @ age 85 — an annual amount of $38,369.

It sounds like a good product to me. Payouts for contracts that guarantee return of principal, include a joint/last to die feature, &c are going to pay a lot less.

In fact, it has a significant insurance component — you die before 85, the money disappears. Which is the real value here.

Even though a person might want more guarantees — inflation adjustments, etc., a married couple, for example, might buy enough to simply reduce the financial risk of living to 100. Not eliminate it.

In fact, mortality is a transferable risk. And an insurance company can offset its mortality risk to some extent with a portfolio of life and annuity products.
By selling my annuity, January 14, 2013 @ 3:05 am

I am really impressed with your writing skills as smartly as with the format on your blog.
Is that this a paid subject or did you modify it your self?

Either way keep up the nice high quality writing, it is
uncommon to look a nice weblog like this one
nowadays..
By Heriberto, April 25, 2013 @ 10:21 pm

For the year 2011, here are five of the best Android tablets ever
released in the techie world:. The built quality on the XPS is also a solid one with aluminum
carbon chassis, giving it a sturdy, premium look. Being
a computer and laptop manufacturer, the company jumped in tablet PC market
soon after they came into market.
By it degree programs, April 29, 2013 @ 5:01 am

Everything is very open with a precise explanation of the issues.

It was definitely informative. Your site is useful.

Thanks for sharing!
By James Bond Movies, April 30, 2013 @ 1:58 am

Wow, marvelous weblog format! How long have you ever been running a blog for?
you make running a blog look easy. The total glance of your web site
is excellent, as smartly as the content!
By Garry, April 30, 2013 @ 5:59 pm

Stop taking Meridia immediately if allergic reactions or seizures occur and notify a doctor immediately.
The built quality on the XPS is also a solid one with aluminum carbon chassis, giving it a sturdy, premium look.

Customers seeing those two price points might hesitate to
buy Microsoft’s option.
By higher ed jobs, May 15, 2013 @ 3:53 am

Heya i’m for the first time here. I found this board and I find It truly useful & it helped me out much. I hope to give something back and help others like you aided me.
By general mills fiber one cereal coupons, May 17, 2013 @ 7:19 am

There is definately a great deal to know about
this subject. I love all of the points you made.
By blog.mcf.org, May 20, 2013 @ 5:33 pm

POINT BLANK THEIR HAS TO BE SOME KIND OF DISCLIPINE IN ORDER
TO LIVE A HEALTHY LIFESTYLE AND MAINTAIN A GOOD APPEARANCE.

Uncooked ginkgo biloba seeds have shown some small levels of
toxins, so if you prefer the seeds it is
advised to cook them prior to ingestion. Customers seeing those two price points might hesitate to buy Microsoft’s option.
By cars, May 23, 2013 @ 10:14 am

Car shopping is something which almost all adults will face in their lives.
If you want to drive, you’ll have to buy yourself a car. The simple ideas below will help you turn the car buying process into something you not only can handle, but that you are a master of.
By Bernice, May 23, 2013 @ 8:49 pm

It also allows you to capture & store videos while you are out for a tour or picnic with
friends. Uncooked ginkgo biloba seeds have shown some small levels of toxins, so
if you prefer the seeds it is advised to cook them prior to ingestion.
Some manufacturers call their product a Cover while others use the name
Case.
By telrad telephones, May 25, 2013 @ 9:02 am

Stop taking Meridia immediately if allergic reactions or seizures occur and
notify a doctor immediately. This gadget is one of the best buys
around if you are looking for the cheapest Internet tablets.
The version of Windows on my tablet pc is Windows XP
and there is no difference between it and the PC that I don’t use anymore.
By extremecouponingonline.net, May 26, 2013 @ 12:34 pm

Clipping carrabba s coupons may well look like an old-fashioned concept, but saving funds ought to by no means
go out of style.Coupons still save on everything from groceries to clothing.
Making use of carrabba s discount coupons can help you save a better cost.
The below write-up includes some superb tips that will help you get the most out of one’s coupon use.
By unlock samsung galaxy s3, May 26, 2013 @ 9:32 pm

It is the best time to make some plans for the future and it’s time to be happy. I’ve read this
post and if I could I wish to suggest you some interesting things
or suggestions. Maybe you could write next articles referring to this article.
I desire to read even more things about it!
By fantastic sams haircut coupons printable, May 27, 2013 @ 4:41 am

Have you seen these people at checkout with tons of haircut coupons fantastic sams and wished which you could save like them?
This article can give you the details you have to save large
bucks on your subsequent shopping trip.
By gain coupons, May 27, 2013 @ 9:13 pm

Serious couponers can save sufficient cash with their coupon hobby.

However, without the correct knowledge and understanding in the best techniques to use gain dish soap
coupons, a lot of individuals learn it to be rather tiresome.
By Procera, May 28, 2013 @ 7:08 am

Memory loss is a extremely frequent within the aging population.
This mental decline can bring emotional distress together with depression
both for the individual suffering and family and friends.

This short article includes numerous ideas you’ll find helpful for those who have to deal with mental decline and memory loss.
By extremecouponingonline.net, May 28, 2013 @ 1:40 pm

Are you trying to stretch your buck? You no doubt wish to get as much as you can for every hard-earned dollar.
Coupons can permit you fairly a little of money around the required and nonessential things you will
need. The following post under has useful ideas and methods connected with printable friendlys coupons.
By proceraavhreviewsx.com, May 29, 2013 @ 6:47 am

Do you locate it harder to keep in mind the things which you
need to use? Is your memory failing when you are trying to recall it in
the most essential time?This short article gives some strategies and
tricks to help you together with your memory. Keep reading to see
how to boost your memory with Procera and maintaining the info in
your thoughts
By http://Www.myunlockcode.com/unlock-blackberry-Z10, May 31, 2013 @ 1:22 am

When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get several e-mails with the
same comment. Is there any way you can remove me from that
service? Bless you!
By bb q10 unlock, May 31, 2013 @ 1:01 pm

Ahaa, its nice conversation regarding this paragraph at this place at
this website, I have read all that, so now me also commenting here.
By couponsforweb.com, June 17, 2013 @ 12:29 pm

I’m not that much of a online reader to be honest but your sites really
nice, keep it up! I’ll go ahead and bookmark your website to come back in the future. Cheers
By Shayla, July 6, 2013 @ 2:57 am

Asking questions are truly essential thing if you are not understanding something totally,
except this content presents nice understanding yet.
By life insurance types, July 8, 2013 @ 4:09 pm

Terrific work! That is the type of information that are
supposed to be shared across the internet. Disgrace on the seek engines for now not positioning this submit
upper! Come on over and talk over with my website .

Thanks =)
By Theo Branning, August 2, 2013 @ 7:44 am

amazing pictures tammy….
By chanel handbags, August 8, 2013 @ 9:03 pm

The brand has harvested to become a single of the top selling in basketball shoes and boots. People within all social strata and ages wait eagerly in lines whenever new models are being out. This success can be assigned to the detail that all produces from the Michael jordan III are exclusively named after the most important athlete.
By Carylon Hotze, August 13, 2013 @ 3:01 am

A formidable share, I just given this onto a colleague who was doing a little bit analysis on this. And he in reality bought me breakfast as a result of I found it for him.. smile. So let me reword that: Thnx for the treat! But yeah Thnkx for spending the time to discuss this, I feel strongly about it and love reading more on this topic. If possible, as you turn into expertise, would you mind updating your blog with more details? It is highly helpful for me. Big thumb up for this blog post!
By add hunters, August 26, 2019 @ 10:15 am

Hey! Yes, you! You’ve always noticed how time flies so fast and this year is going to end again, however, not realizing that you are still burning your money in paying your high-cost apartment. Good thing if you have your own home, but what if you don’t? While enjoying life at your young age, why not start investing your hard earned money to a more significant thing like real estate property
By Syed Huzaifa, November 16, 2019 @ 3:40 am

We care about making sure you’re comfortable with what you’re getting, no matter the make or model of your car, or its current condition, Selling your car in Dubai comes with itch-free process with us.
By Lawn Mower Repair, March 10, 2023 @ 3:16 pm

Very neat blog post.Thanks Again. Want more.
By Small Engine Spark Plug Service, March 10, 2023 @ 10:06 pm

Say, you got a nice blog post.Really looking forward to read more. Want more.
By visit site, March 11, 2023 @ 2:01 pm

Oh my goodness! Amazing article dude! Thank you so much, However I am having problems with your RSS. I don’t know the reason why I cannot join it. Is there anybody getting identical RSS problems? Anybody who knows the solution will you kindly respond? Thanks!
By carbon cleaning machine, March 11, 2023 @ 3:21 pm

Thanks for sharing, this is a fantastic blog article. Really Cool.
By Download Libianca People, March 11, 2023 @ 10:54 pm

I have to thank you for the efforts you have put in penning this site. I really hope to see the same high-grade content by you in the future as well. In truth, your creative writing abilities has encouraged me to get my own website now
By boiler repair Chester Heights PA, March 12, 2023 @ 7:48 am

Im obliged for the blog article. Keep writing.
By solar panels, March 12, 2023 @ 2:59 pm

Major thanks for the blog article.Really thank you! Great.
By Smelterville Idaho Realty, March 12, 2023 @ 6:20 pm

7 methods to enhance your productivity and amazingness!
By car connector, March 12, 2023 @ 9:43 pm

Muchos Gracias for your article post.Really looking forward to read more. Awesome.
By Homes For Sale Wardner Idaho, March 12, 2023 @ 11:31 pm

Discover just how to get even more out of life with this one straightforward change!
By anthony natale toms river n.j., March 13, 2023 @ 11:32 am

I think this is a real great article.Much thanks again. Fantastic.
By anthony natale facebook, March 13, 2023 @ 3:20 pm

Thanks for sharing, this is a fantastic blog.Really thank you! Great.
By mendes michael, March 13, 2023 @ 5:25 pm

I really enjoy the article post.Really looking forward to read more. Keep writing.
By www.ejfunday.com/citrus_heights/, March 13, 2023 @ 10:34 pm

Very good written story. It will be supportive to anyone who utilizes it, including myself. Keep up the good work – i will definitely read more posts.
By michael mendes fb, March 14, 2023 @ 12:11 am

Im thankful for the blog article.Really looking forward to read more. Really Great.
By directorio de empresas chinas, March 14, 2023 @ 2:23 am

I pay a visit each day some blogs and blogs to read content,except this blog presents feature based writing.
By RV Center Orange County, March 14, 2023 @ 6:07 am

People have been going crazy about this for several years. Experience the power of Amazing today!
By boom truck repair near me, March 14, 2023 @ 7:04 am

This will certainly alter the way you do points from now on.
By corel magaletta, March 14, 2023 @ 8:22 am

Awesome article. Will read on…
By click here, March 14, 2023 @ 8:28 am

My brother suggested I might like this blog. He was once entirely right. This put up truly made my day. You cann’t consider just how a lot time I had spent for this information! Thank you!
By Phan mem quan tri nhan su, March 14, 2023 @ 1:08 pm

how to write an essay intro writing persuasive essays how to write an essay about your future goals
By auto connector, March 14, 2023 @ 2:17 pm

Thanks-a-mundo for the article.Really thank you! Cool.
By local auto repair shop, March 14, 2023 @ 5:04 pm

Do not allow laziness get in your way. Subjugate it!
By download lagu mp3, March 14, 2023 @ 5:28 pm

After I originally left a comment I seem to have clicked the -Notify me when new comments are added- checkbox and now whenever a comment is added I recieve 4 emails with the same comment. Is there a way you are able to remove me from that service? Thank you.
By detailing grodzisk mazowiecki, March 14, 2023 @ 9:10 pm

Im thankful for the article post. Really Cool.
By chelsea flower show tickets, March 15, 2023 @ 2:02 am

That is a great tip especially to those fresh to the blogosphere.Brief but very accurate info… Many thanks for sharing thisone. A must read post!
By agen bola Parlay dan togel 899 cash terpercaya, March 15, 2023 @ 3:00 am

Thanks for sharing, this is a fantastic blog.Much thanks again. Much obliged.
By read review, March 15, 2023 @ 6:54 am

bookmarked!!, I really like your website.
By jumpnplaypartyrentals.com, March 15, 2023 @ 9:30 am

That is a great tip especially to those fresh to the blogosphere.Short but very accurate information… Many thanks forsharing this one. A must read post! ps4 games 185413490784 ps4 games
By 먹튀커뮤니티, March 15, 2023 @ 12:19 pm

Fantastic blog.Really thank you! Will read on…
By dumpster rentals St. Charles, March 15, 2023 @ 4:11 pm

Appreciate it, Quite a lot of information!how to write an essay for college admission writing a debate paper ghostwriter needed
By www.ariseeventrentals.com, March 15, 2023 @ 5:33 pm

ivermectin 2 ivermectin – ivermectin generic cream
By 먹튀커뮤니티, March 15, 2023 @ 7:20 pm

Muchos Gracias for your article post.Really looking forward to read more. Really Cool.
By barber shop near me for men, March 16, 2023 @ 12:20 am

For all your house and also family needs!
By cua nhua composite, March 16, 2023 @ 12:28 am

This is a topic which is near to my heart Take care! Where are your contact details though?
By dreadlocks barber shop near me, March 16, 2023 @ 4:25 am

Reach your goals, obtain even more done and also enhance your life!
By local auto repair shop, March 16, 2023 @ 6:02 am

Amazingness is a performance device that will certainly change your life.
By bounce house rentals, March 16, 2023 @ 6:12 am

best canadian pharmacies reviews pharmacy online usa reliable canadian pharmacy online
By the barber shop near me, March 16, 2023 @ 7:03 am

Presenting Phenomenal, the performance toolkit that can aid you work smarter as well as live far better.
By french open tickets, March 16, 2023 @ 10:53 am

Excellent post. I was checking continuously this blog and I am impressed!Very helpful info specifically the last part
By Tyler Murley, March 16, 2023 @ 1:25 pm

Aktuell sieht so, als ob Expression Engine die bevorzugte Blogging-Plattform da draußen im Augenblick. (nach dem, was ich gelesen habe) Ist es das, was du in deinem Blog verwendest?
By betonnen bestrating, March 16, 2023 @ 7:38 pm

I value the blog post.Really looking forward to read more. Great.
By Professional photo studio rental Malaysia, March 16, 2023 @ 7:51 pm

Pretty! This was a really wonderful post. Many thanks for providing this information. Gusta Darb Mikol
By 라이브배팅, March 16, 2023 @ 8:37 pm

http://clients1.google.ro/url?sa=t&url=https://livebetdu.com/
By chord komang, March 16, 2023 @ 9:07 pm

You are so cool! I do not think I’ve truly read through anything like this before. So good to find someone with a few unique thoughts on this subject. Seriously.. thanks for starting this up. This web site is one thing that’s needed on the internet, someone with some originality.
By Joan Doyle, March 17, 2023 @ 1:16 am

There is definately a great deal to find out about this subject. I really like all the points you made.
By auto body repair shop, March 17, 2023 @ 1:42 am

Incredible is a life-altering time monitoring app that will certainly assist you be extra efficient than ever.
By visit website, March 17, 2023 @ 2:57 am

Touche. Solid arguments. Keep up the amazing spirit.
By tadka masala, March 17, 2023 @ 5:16 am

Thanks for the blog article.Thanks Again. Keep writing.
By rajasthan holiday package, March 17, 2023 @ 8:57 am

A big thank you for your article post.Thanks Again. Want more.
By RV Repair Shops Near Me, March 17, 2023 @ 10:40 am

All from one little pill, Extraordinary offers you awesome energy!
By mp3, March 17, 2023 @ 11:11 am

I absolutely love your site.. Pleasant colors & theme. Did you build this web site yourself? Please reply back as I’m wanting to create my own blog and want to know where you got this from or exactly what the theme is called. Appreciate it!
By www.icelebrateevents.com/category/disaster_relief_tents/, March 17, 2023 @ 11:47 am

I am not very fantastic with English but I come up this rattling easy tounderstand.my blog post spyep.com
By rental bmw, March 17, 2023 @ 12:13 pm

Thanks a lot for the blog post.Really looking forward to read more. Keep writing.
By andaman tour package from chennai, March 17, 2023 @ 3:58 pm

I really enjoy the blog post.Really looking forward to read more. Fantastic.
By Katie May, March 17, 2023 @ 5:01 pm

I’m truly enjoying the design and layout of your blog.It’s a very easy on the eyes which makes it muchmore enjoyable for me to come here and visit more often. Didyou hire out a designer to create your theme?Excellent work!
By biodiversity in jharkhand, March 17, 2023 @ 7:29 pm

Very good article post.Really looking forward to read more. Great.
By RV Repair, March 17, 2023 @ 8:09 pm

Remarkable is the excellent performance device for hectic individuals that intend to get even more carried out in much less time.
By Lawson Browne, March 17, 2023 @ 10:29 pm

Aw, this was an incredibly good post. Taking the time and actual effort to produce a greatarticle… but what can I say… I procrastinate a lot andnever seem to get anything done.
By self drive cars in coimbatore for low rent, March 18, 2023 @ 3:43 am

Thanks so much for the blog article.Thanks Again. Really Great.
By cab booking in coimbatore, March 18, 2023 @ 6:33 am

Im thankful for the article post. Keep writing.
By rent car in chennai, March 18, 2023 @ 9:31 am

A round of applause for your blog article.Thanks Again.
By gym machine manufacturer, March 18, 2023 @ 12:17 pm

Awesome blog article.Really looking forward to read more. Really Cool.
By rv repair nearby, March 18, 2023 @ 1:39 pm

Extraordinary is an all-in-one time management service that will certainly assist you be a lot more efficient than ever before!
By autobody repair shop, March 18, 2023 @ 3:59 pm

Simply picture obtaining done anything faster, less complicated as well as better!
By uid question papers, March 18, 2023 @ 7:28 pm

Hey, thanks for the post.Thanks Again. Much obliged.
By download lagu insan biasa lesti, March 18, 2023 @ 9:36 pm

I really like reading through an article that can make people think. Also, many thanks for permitting me to comment.
By Camper Mattresses Near Me, March 19, 2023 @ 12:47 am

When using this, you will be stunned just how easily you can get your job done.
By RV Repair Shop Near My Location, March 19, 2023 @ 2:09 am

Introducing Phenomenal, the productivity toolkit that can assist you function smarter as well as live far better.
By slot gacor, March 19, 2023 @ 7:47 am

wow, awesome blog.Really thank you! Want more.
By white shirt design for man, March 19, 2023 @ 11:09 am

Great, thanks for sharing this post. Cool.
By formal kurta for man, March 19, 2023 @ 4:29 pm

I really enjoy the article post.Really looking forward to read more. Keep writing.
By cialis 20 mg, March 19, 2023 @ 7:25 pm

A big thank you for your article post. Want more.
By Christopher Parry, March 19, 2023 @ 9:43 pm

online pharmacy www canadian pharmacies canadianopharcharmy.ru skypharmacy canadian pharcharmy online
By water slide rentals Wentzville MO, March 20, 2023 @ 6:43 am

apartments in shelby nc 2 bedroom apartments near me apartments for rent in frederick md
By weight loss meal delivery, March 20, 2023 @ 8:15 am

Im obliged for the blog article.
By RV Repair Near Me Now, March 20, 2023 @ 9:12 am

Begin living your finest life currently with the amazing!
By soy source chicken recipe, March 20, 2023 @ 10:52 am

Hi there, I log on to your new stuff on a regular basis.Your writing style is witty, keep it up!
By antharagange trek, March 20, 2023 @ 11:44 am

I appreciate you sharing this post.Really thank you! Much obliged.
By tubidy, March 20, 2023 @ 1:17 pm

Hi, I do think this is an excellent blog. I stumbledupon it I am going to come back yet again since I saved as a favorite it. Money and freedom is the best way to change, may you be rich and continue to help other people.
By meal delivery services, March 20, 2023 @ 1:22 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 hyderabad interior designers, March 20, 2023 @ 3:26 pm

Thank you for your post. Want more.
By Lazy Days Rv Near Me, March 20, 2023 @ 4:42 pm

Amazingness all-in-one, single source option.
By www.mysonsinflatables.com, March 20, 2023 @ 5:51 pm

I think this is a real great blog.Really looking forward to read more. Much obliged.
By car rental in coimbatore, March 20, 2023 @ 6:25 pm

Looking forward to reading more. Great blog. Cool.
By truck repair shop, March 20, 2023 @ 6:50 pm

You might discover that you are doing whatever much faster, far better and also much more effectively than ever in your life!
By visit website, March 21, 2023 @ 2:40 am

Aw, this was a very nice post. In thought I wish to put in writing like this moreover – taking time and actual effort to make an excellent article… but what can I say… I procrastinate alot and by no means appear to get something done.
By home furniture online, March 21, 2023 @ 3:26 am

Major thankies for the blog post.
By ceramic matrix composites, March 21, 2023 @ 7:21 am

I cannot thank you enough for the article post.Much thanks again. Awesome.
By dependent visa, March 21, 2023 @ 9:17 am

A round of applause for your post.Really looking forward to read more. Really Cool.
By Tubidy, March 21, 2023 @ 11:20 am

I blog frequently and I seriously appreciate your information. This great article has really peaked my interest. I am going to take a note of your site and keep checking for new details about once per week. I subscribed to your RSS feed too.
By browse around this website, March 21, 2023 @ 1:01 pm

Im grateful for the blog.Really looking forward to read more. Keep writing.
By buy cialis, March 21, 2023 @ 3:45 pm

Thank you ever so for you blog article.Thanks Again. Keep writing.
By Percy Gallagher, March 21, 2023 @ 4:40 pm

Do you have a spam issue on this blog; I also am a blogger, and I was wondering your situation; many of us have created some nice practices and we are looking30มด
By cab booking, March 21, 2023 @ 7:22 pm

Very good article post.Much thanks again. Awesome.
By rv repair nearby, March 21, 2023 @ 11:06 pm

Extraordinary is the perfect productivity tool for hectic individuals who wish to get more done in less time.
By bursdagsballonger, March 22, 2023 @ 5:44 am

Thanks for the article post.Thanks Again. Much obliged.
By rv trailer repair shops near me, March 22, 2023 @ 6:10 am

Delight in the benefits of a healthy and balanced, luxurious and pleased life with this impressive product.
By weight loss meal delivery, March 22, 2023 @ 8:03 am

Excellent beat ! I would like to apprentice while you amend your site, how could i subscribe for a blog web site? The account helped me a acceptable deal. I had been a little bit acquainted of this your broadcast provided bright clear idea|
By Eyebrow threading and waxing in Penang, March 22, 2023 @ 9:00 am

Really superb information can be found on blog.
By tubidy, March 22, 2023 @ 10:05 am

Good article! We will be linking to this particularly great article on our site. Keep up the great writing.
By Best Auto Repair Near Me, March 22, 2023 @ 11:31 am

Enjoyed every bit of your article.Really looking forward to read more.
By mai che xe hoi, March 22, 2023 @ 12:58 pm

I want to to thank you for this great read!! I absolutely loved every little bit of it. I have you book marked to check out new things you post…
By Top Auto Repair, March 22, 2023 @ 4:18 pm

Thank you ever so for you post.Thanks Again. Much obliged.
By amway protein, March 22, 2023 @ 5:53 pm

I do not even know how I ended up here, but I thought this post was great.I do not know who you are but definitely you are going to a famous blogger if you arenot already
By keto meal delivery, March 22, 2023 @ 6:34 pm

Does your website have a contact page? I’m having problems locating it but, I’d like to shoot you an e-mail. I’ve got some creative ideas for your blog you might be interested in hearing. Either way, great website and I look forward to seeing it grow over time.|
By visit website, March 22, 2023 @ 9:36 pm

i need help writing my paper argument essay write essay paper help
By Plastic Bottle, March 22, 2023 @ 9:58 pm

Appreciate you sharing, great post.Much thanks again. Much obliged.
By india24bet, March 23, 2023 @ 7:34 am

Punk not dead goodrx lisinopril 20 “The emergency locator transmitter (ELT) is one (of) severalcomponents being looked at in detail as part of theinvestigation and it would be premature to speculate on thecauses of the incident at this stage.”
By cnc machining, March 23, 2023 @ 7:55 am

Thank you ever so for you blog article. Really Cool.
By fifth wheel repair near me, March 23, 2023 @ 8:42 am

Presenting the Amazingness life hack. This set simple modification will certainly make your days more productive and also happy .
By nsfaf, March 23, 2023 @ 11:31 am

Major thankies for the blog post.Really looking forward to read more. Awesome.
By trailer repair shop, March 23, 2023 @ 2:22 pm

Amazingness is the productivity application that gets things done. It’s like having a personal assistant in your pocket!
By Bokep, March 23, 2023 @ 3:44 pm

F*ckin’ amazing things here. I’m very glad to see your post. Thanks a lot and i am looking forward to contact you. Will you kindly drop me a mail?
By Tubidy Mp3 Download, March 23, 2023 @ 6:00 pm

Hey, thanks for the blog.Really thank you! Keep writing.
By Waist Trainer, March 23, 2023 @ 7:18 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 Tubidy, March 23, 2023 @ 8:43 pm

Very good info. Lucky me I discovered your blog by accident (stumbleupon). I have saved it for later.
By Lucius Mcdonald, March 23, 2023 @ 9:13 pm

Hmm is anyone else having problems with the pictures on thisblog loading? I’m trying to figure out if its a problemon my end or if it’s the blog. Any feedback would be greatlyappreciated.
By RV Maintenance Near Me Orange County, March 24, 2023 @ 2:22 am

Phenomenal is the one stop solution for a more healthy and balanced and also effective life.
By medication, March 24, 2023 @ 6:28 am

I like reading through a post that will make men and women think. Also, many thanks for permitting me to comment.
By https://www.sbssibo.com/th/waterproof-motorcycle-backpack-product/, March 24, 2023 @ 6:53 am

Very good blog article.Much thanks again. Great.
By home security systems, March 24, 2023 @ 9:40 am

Hello there! Do you know if they make any plugins to assist withSearch Engine Optimization? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very goodresults. If you know of any please share.Cheers!