Best Investments for You

Back when I was still a new employee, at the age of 21, my main goal was to save for emergency fund, a retirement fund and my own house. I filled my days with working hours to be able to save up early and enjoy my life afterwards. I worked as much as 15 hours a day, 7 days a week just to reach my goal. After about 4 years, I saved enough for my emergency and retirement fund and my house was complete. Because I worked so hard, I got promoted plenty of times I had more than enough salary. I spend for everything I can think of: expensive accessories, branded bags, shoes, dining out at restaurants and a lot more. It came to a point where I almost lost my emergency fund because I was too wasteful with my money. That was when I realized, I needed to have another investment to grow my money in, not waste them. But there are a lot of options out there it is actually hard to decide which one is best for me.

If you are like me who have decided to have an investment but was overwhelmed by the choices, worry no more. In this article you will learn how and where to invest base on your preference.

The first thing you will need to do is answer this questions:

1. How much money can you invest?

To be able to determine which is the best investment option for you, you need to know how much are you willing to invest. Take note, you cannot use your emergency fund for investment. As much as possible, don’t take out a loan. The best way is to determine how much is your total savings and subtract your emergency fund. That should be your investment fund.

Bear in mind that you should also be able to have afford your living expenses. Do not put them all in your investment as it takes time for your money to grow.

2. How long can you keep your money invested?

Now that you have determined how much money you can invest in, we would need to know how long you can afford to keep it in an investment. It is advisable to keep your investment for at least 10 years. More is always better. If you can also put in additional money or new investment every year, that would also be better.

To give you some figures, see the illustration below. 21-year old person A decided to save P1,000 every month to put into an investment at the end of the year. 31-year old person B got into investment a bit late and decided to put in P2,000 every month for an investment. 36-year old person C started very late he decided to allocate P3,000 every month. Assuming all investments has an equal interest of 10%, we have calculated the value of their money when they reach the age of 40. Person A, B and C all put in a total of 240,000 and all got an annual interest of 10% per annum. Person A got P756,000 which is almost twice as what Person B got and more than twice with what Person C got. The only difference they had was time, but look at the outcome.

3. How much effort can you put into managing your investment?

Aside from money and time, you will also need to know how much effort you can put into managing your investments. If you don’t have a lot of time, there are a lot of Investment Managers who can do it for you but you will be paying a lot of fees.

The better option would be doing it yourself. You can see a lot of potential from your money and can easily adjust from one investment to another whatever you see fit. You might even find other investment options your manager did not tell you.

4. How much risk are you willing to take?

If you have searched the internet for some investment advice, you probably have read that if you want bigger return, you must take higher risk. If done carelessly, you might lose all your money instead of the big return expectation. You can also opt for a lower risk but of course, low return of money. Remember, there is no such thing as risk-free investment. If you’ve heard one, run away from it. That is probably a scam.

There is no definite formula or strategy to be able to determine which path you would take. It is always a balancing act between risk and rewards. If you can afford it, try to diversify your portfolio between low to high risk investments. If you are starting out, probably start small.

Main Investment Options in the Philippines

Now that you have answered the questions above, it is now time to decide which investment option you would take.

Time Deposit

Time deposit are very much like savings deposit. The only difference is you can’t withdraw your time deposit for a specific amount of time. And it also has a slightly higher interest rate than savings.

  • Minimum Investment: Low. Depending on the bank you want to put your money into, time deposit can be as low as P1,000, but it would be better to put more money so can actually feel the amount or return.
  • Investment Period: Short. You can get a time deposit for as short as 30 days but banks will give you a higher interest rate if you invest it for a longer period.
  • Maintenance: Low. This is for extremely conservative investors who are looking to keep their money from being spent while earning a little interest.
  • Risk and Return: Low. The risk of investing in a time deposit is close to nothing. Same can be said with the return especially if you are putting in only a small amount. Banks give as low as 0.25% interest rates per annum for your time deposit. That is equivalent to 0.02% for every month.

Bonds

When you buy bonds, you will know exactly how long you need to wait and there is a guaranteed rate of return. Just make sure that you can leave the money invested for the entire maturity period, because pulling out the investments early will mean losing money.

  • Minimum Investment: Low. Retail treasury bonds can be availed for as low as P5,000. Some banks may require a larger minimum investments. It might also be beneficial for you to invest in a larger amount since bonds has such low interest rates.
  • Investment Period: Long. Bonds usually takes a couple of years of more. Although, this is probably one of the safest investment option one could take.
  • Maintenance: Low. Bonds are for non-risk takers who prefer to not lose money than have a bigger return.
  • Risk and Return: Low. Whether you’re talking risk or return, bonds will have very low for those. Low risk because you will know exactly how much you will get and when. Low return because it has very low rate of return.

Mutual Funds

Mutual funds operate by pooling together money from many different investors and investing those in various assets and securities. It is easier to manage risk this way.

  • Minimum Investment: Low. For as low as P5,000 you can have your own mutual fund investment. Of course, the amount will vary depending on which fund you are looking at.
  • Investment Period: Short. The shortest period for mutual fund investment is 90 days. It can give you a lot of moving ground when it comes to deciding whether you want to continue or not. Of course, if you prefer, you can always have it longer than 90 days.
  • Maintenance: Low. This is highly recommended for people who have money but can’t put it much effort to make their investment grow.
  • Risk and Return: Average. Mutual funds can have low to high risk depending on the type of funds you choose. Generally, professionally managed mutual funds are less risky than doing it on your own.

VUL Insurance

VUL Insurance is one of the most popular in the Philippines because it comes with life insurance, health insurance and mutual funds.

  • Minimum Investment: Low. VUL insurance plans are flexible and can only cost a couple of thousands a month. You also can go up depending on your capabilities and preference.
  • Investment Period: Long. The minimum period for VUL insurance is 10 years which quite long.
  • Maintenance: Low. This is recommended for first time investors who wants an all in package and with easy maintenance.
  • Risk and Return: Average. Overall, the risk profile and rate of return for VUL insurance is about average. Although, if you have other preference, they can adjust them accordingly. The best asset in choosing your plan is a good insurance agent.

Stocks

Stocks is for people who you want bigger returns and doesn’t mind higher risk. To learn more about stocks, you can visit our article about the Basics of Stock Market and the Step by Step Guide to sign up.

  • Minimum Investment: Low. Nowadays, you can open a stock trading account for as low as P2,500. But if you can afford it, it is recommended to start with P8,000.
  • Investment Period: Short. Stocks are very easy to sell making it a liquid investment. But stocks take time before you can start earning substantial returns. If you need money and would have to sell your stocks, you might be earning at a loss.
  • Maintenance: Average. Stock market is for people who want bigger returns even with higher risk and can dedicate a significant amount of time to manage their portfolio.
  • Risk and Return: High. Investing in stock carries a lot more risk than mutual funds and VUL. You won’t have the help of professionals in managing your investment. If also have significantly lower funds so it is harder for you to diversify your portfolio. On the brigher side, if you do manage it well, there is a greater chance of collecting bigger returns.

Businesses

Having your own business does sound more controllable than other investment options, but it is not for everyone.

  • Minimum Investment: Average. There is no fix amount that we can suggest for a business. It always varies on the type of business you want to do. It can be a few thousands or a few millions. Just remember, before starting a business, make sure you will also take into consideration that your sales might not be enough to cover your operational expenses for 6 months to a year, depending on the industry you’re in.
  • Investment Period: Flexible. The rate of return is dependent on two things: the type of business you are in, and how well you sales is doing.
  • Maintenance: High. Starting a business is not for faint-hearted people. It takes a lot of guts, motivation and hard work for your business to pay off. Do this only when you are determined to do whatever it takes to succeed.
  • Risk and Return: High. This is one of the riskiest investment one could make. It takes a lot of effort to start it, and even more effort to keep it running until you collect some profit. But once you have perseverance and the will to continue no matter what challenges you face, then this will prove to be the best investment you have ever made.

Real Estate

Condominium units and land are the two most popular real estate here in the Philippines. You can either have it rented, or flip it for a higher profit.

  • Minimum Investment: High. Real estate investment will cost you at least a few hundred thousand pesos. Prime properties will cost millions. You need to have a lot of money and patience if you want to invest in real estate.
  • Investment Period: Long. Real estate is not a liquid investment. It will take time before you see return on your money, much more if you rent it out. At a minimum, you would need to hold your property for at least 10 years before you can start seeing returns.
  • Maintenance: Average. This investment takes some effort to maintain and is only for those who are looking to diversify their portfolio.
  • Risk and Return: High. This is a high risk high reward type of investment. Cashing out a million for an investment is quite high a risk not to mention that the real estate trend is not always performing better. Make sure to do your research before investing.

Whatever you choose, at the end of the day, the most important part is that you feel good and satisfied with your investment. Along the way, you will lose some money. But if you keep trying, you will eventually learn what investment strategy best suits you and at the same will grow your money at the rate you are satisfied with.

920 Comments

  1. Hi there, You have done a fantastic job. I’ll definitely digg it and personally recommend to my friends.
    I am sure they’ll be benefited from this web site.

  2. I am really enjoying the theme/design of your weblog.
    Do you ever run into any web browser compatibility problems?

    A handful of my blog visitors have complained about my blog not
    operating correctly in Explorer but looks great in Chrome.

    Do you have any solutions to help fix this issue?

  3. Hey there! I’ve been reading your weblog for a long time now and finally got the courage to go ahead and
    give you a shout out from Lubbock Tx! Just wanted to tell you keep up the good work!

  4. Heya! I just wanted to ask if you ever have any trouble with
    hackers? My last blog (wordpress) was hacked and I ended up losing months of hard
    work due to no data backup. Do you have any methods to protect against hackers?

  5. I like the valuable info you provide in your articles.
    I’ll bookmark your weblog and check again here frequently.
    I’m quite certain I’ll learn a lot of new stuff right here!
    Best of luck for the next!

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

  7. I know this website provides quality based content
    and other information, is there any other
    web page which gives such stuff in quality?

  8. Thanks for ones marvelous posting! I certainly
    enjoyed reading it, you are a great author.I will make sure to bookmark
    your blog and may come back someday. I want to encourage
    continue your great job, have a nice holiday weekend!

  9. Hey! I’m at work browsing your blog from my new apple iphone!

    Just wanted to say I love reading your blog and look forward to all your posts!
    Keep up the outstanding work!

  10. I have been exploring for a bit for any high-quality articles or weblog posts in this sort
    of area . Exploring in Yahoo I ultimately stumbled upon this site.
    Studying this information So i am glad to convey that I’ve a very just right uncanny feeling I discovered just what I needed.

    I such a lot certainly will make sure to don?t put out of your mind this website
    and provides it a glance regularly.

  11. Wonderful blog! I found it while surfing around on Yahoo
    News. Do you have any tips on how to get listed in Yahoo News?
    I’ve been trying for a while but I never seem to get there!

    Many thanks

  12. After looking over a handful of the blog posts on your web site,
    I really like your technique of writing a blog.
    I book marked it to my bookmark website list and
    will be checking back soon. Take a look at my web site as
    well and let me know your opinion.

  13. Good day! This is kind of off topic but I need some help from an established blog.
    Is it tough to set up your own blog? I’m not very techincal but I can figure things out
    pretty quick. I’m thinking about making my own but I’m not sure where to start.

    Do you have any points or suggestions? Cheers

  14. Nice post. I learn something totally new and challenging on sites I stumbleupon everyday.
    It will always be exciting to read through content
    from other writers and use something from their websites.

  15. Nice blog right here! Also your web site quite a bit up
    very fast! What web host are you using? Can I
    am getting your affiliate link in your host? I want my website loaded up as fast as
    yours lol

  16. Very nice post. I just stumbled upon your blog and wanted to say
    that I have truly enjoyed browsing your blog posts.
    In any case I’ll be subscribing to your rss feed and I hope you write again soon!

  17. Great beat ! I would like to apprentice even as you amend your website, how could
    i subscribe for a blog web site? The account aided me a
    applicable deal. I were tiny bit acquainted of this your broadcast provided shiny transparent idea

  18. Hello! I’m at work browsing your blog from my new iphone 3gs!
    Just wanted to say I love reading your blog and look forward to all
    your posts! Keep up the superb work!

  19. I’m not sure where you’re getting your info, but great topic.
    I needs to spend some time learning much more or understanding more.
    Thanks for excellent information I was looking for this info for my mission.

  20. It’s appropriate time to make some plans for the future and it is
    time to be happy. I have read this put up and if I could
    I desire to counsel you few attention-grabbing issues or tips.

    Perhaps you could write next articles referring to this article.
    I want to learn even more issues about it!

  21. It’s genuinely very complex in this busy life to listen news on Television,
    so I only use internet for that purpose, and take the latest news.

  22. With havin so much content and articles do you ever run into any issues of plagorism or copyright infringement?
    My website has a lot of completely unique content I’ve either created myself or outsourced but it appears a lot of it is
    popping it up all over the web without my authorization. Do you
    know any ways to help protect against content from being stolen?
    I’d truly appreciate it.

  23. Its like you read my mind! You appear to grasp so much
    approximately this, like you wrote the e book in it or something.
    I feel that you simply could do with a few percent to pressure the message home a bit, but other
    than that, this is excellent blog. A great read. I will certainly
    be back.

  24. Hi there, I discovered your website via Google while
    looking for a comparable subject, your website got here up, it appears good.
    I have bookmarked it in my google bookmarks.
    Hello there, just became aware of your weblog thru Google, and found that it’s really informative.
    I am gonna watch out for brussels. I’ll be grateful in the event you proceed this in future.
    Lots of other people will likely be benefited out of your
    writing. Cheers!

  25. Hello there! I could have sworn I’ve been to this site before but after browsing through a few of the posts I realized it’s new to me.

    Regardless, I’m certainly pleased I discovered it and I’ll be book-marking it and checking
    back often!

  26. [url=https://medrxfast.com/#]carprofen without vet prescription[/url] tadalafil without a doctor’s prescription

  27. I have read so many articles or reviews regarding the blogger lovers but this
    paragraph is actually a nice article, keep it up.

    Look into my website raycon

  28. Excellent post. I was checking constantly this blog and
    I’m impressed! Very helpful info specifically the ultimate phase :
    ) I deal with such information much. I was looking for
    this certain information for a very long time. Thank you and best
    of luck.

  29. Hello just wanted to give you a quick heads up. The words in your post seem to be running off the screen in Chrome.

    I’m not sure if this is a format issue or something to do with internet browser compatibility but I thought I’d
    post to let you know. The design and style look great though!
    Hope you get the problem fixed soon. Kudos

  30. Can I simply just say what a comfort to discover
    someone that truly knows what they’re discussing on the internet.
    You actually understand how to bring an issue to light and make
    it important. More people ought to check this
    out and understand this side of your story.
    I was surprised that you are not more popular since you definitely
    have the gift.

  31. This is really interesting, You’re a very skilled blogger.

    I’ve joined your feed and look forward to seeking more of your excellent
    post. Also, I’ve shared your site in my social networks!

    My site: special

  32. It’s going to be finish of mine day, but before ending I am
    reading this fantastic piece of writing to increase my experience.

    My website: 2022

  33. Hello, Neat post. There’s an issue with your web site in internet explorer,
    would check this? IE still is the marketplace leader and a good
    portion of people will omit your magnificent writing due to this problem.

  34. Oh my goodness! Incredible article dude! Thank you so much, However I am going through problems with your RSS. I don’t understand the reason why I cannot subscribe to it. Is there anybody getting the same RSS problems? Anybody who knows the solution can you kindly respond? Thanks!

  35. Beneficial document helps make frequent advance, appreciate it write about, this pile-up connected with expertise is usually to hold finding out, focus is usually the beginning of money.

  36. An intriguing discussion is worth comment. There’s no doubt that that you ought to write more about this issue, it may not be a taboo matter but typically people do not speak about these issues. To the next! Cheers!

  37. The very next time I read a blog, Hopefully it does not disappoint me just as much as this one. After all, Yes, it was my choice to read through, nonetheless I really thought you’d have something helpful to talk about. All I hear is a bunch of whining about something you can fix if you weren’t too busy looking for attention.

  38. Everything is very open with a precise clarification of the issues. It was truly informative. Your site is very helpful. Thank you for sharing!

  39. I’m extremely pleased to discover this page. I wanted to thank you for your time just for this wonderful read!! I definitely really liked every part of it and i also have you book marked to see new information on your blog.

  40. Hello there! I could have sworn I’ve visited this website before but after looking at many of the articles I realized it’s new to me. Anyhow, I’m definitely pleased I found it and I’ll be book-marking it and checking back often.

  41. You are so awesome! I do not believe I’ve read anything like this before. So good to discover somebody with some original thoughts on this subject matter. Seriously.. thanks for starting this up. This web site is one thing that is required on the internet, someone with a little originality.

  42. You have made some good points there. I checked on the internet for more info about the issue and found most people will go along with your views on this site.

  43. Having read this I believed it was rather informative. I appreciate you taking the time and energy to put this content together. I once again find myself personally spending a lot of time both reading and commenting. But so what, it was still worthwhile!

  44. Excellent site you have got here.. It’s hard to find quality writing like yours nowadays. I honestly appreciate people like you! Take care!!

  45. Right here is the perfect site for everyone who wishes to understand this topic. You understand so much its almost tough to argue with you (not that I actually would want to…HaHa). You certainly put a brand new spin on a topic that’s been written about for a long time. Wonderful stuff, just wonderful.

  46. Oh my goodness! Awesome article dude! Thank you, However I am encountering troubles with your RSS. I don’t understand the reason why I cannot join it. Is there anybody having identical RSS problems? Anyone who knows the answer can you kindly respond? Thanx!!

  47. Can I simply just say what a comfort to find somebody who truly understands what they are talking about online. You actually understand how to bring a problem to light and make it important. More people must look at this and understand this side of the story. I can’t believe you’re not more popular since you definitely possess the gift.

  48. Thank you for the auspicious writeup. It in reality was a leisure account it.

    Glance complicated to far delivered agreeable from you!
    By the way, how can we be in contact?

  49. After I initially commented I appear to have clicked 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 same comment. Is there a means you can remove me from that service? Appreciate it.

  50. Hi! I’m at work surfing around your blog from my new apple iphone!

    Just wanted to say I love reading your blog and look forward to all your posts!
    Keep up the fantastic work!

  51. I’d like to 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 later on as well. In truth, your creative writing abilities has inspired me to get my very own website now 😉

  52. Appreciating the time and energy you put into your site and in depth information you provide.
    It’s great to come across a blog every once in a while that isn’t the same outdated rehashed material.
    Wonderful read! I’ve saved your site and I’m
    including your RSS feeds to my Google account.

  53. I used to be recommended this web site by means of my cousin.
    I’m no longer positive whether this publish is written by way of him as no one else recognize such certain approximately
    my problem. You are amazing! Thank you!

  54. Have you ever considered about adding a little bit more than just your articles?
    I mean, what you say is valuable and everything. However imagine if
    you added some great graphics or videos to give your posts more, “pop”!
    Your content is excellent but with pics and clips,
    this site could certainly be one of the best in its
    field. Amazing blog!

  55. Hello there! I could have sworn I’ve visited this blog before but after browsing through some of the articles I realized it’s new to me. Anyhow, I’m definitely delighted I came across it and I’ll be book-marking it and checking back often.

  56. Excellent items from you, man. I’ve take into accout your stuff previous to and you are
    just too magnificent. I really like what you’ve obtained here, certainly like
    what you’re saying and the way in which by which
    you say it. You’re making it entertaining and you continue to take care of to stay it smart.
    I cant wait to read much more from you. This is
    actually a tremendous site.

  57. 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 three e-mails with the same comment.
    Is there any way you can remove people from that service?
    Thank you!

  58. Having read this I thought it was very informative. I appreciate you finding the time and energy to put this informative article together. I once again find myself spending a significant amount of time both reading and commenting. But so what, it was still worthwhile!

  59. I’m really enjoying the design and layout of your blog. It’s a very easy on the eyes which makes it much more
    enjoyable for me to come here and visit more often. Did you hire out a developer to create your theme?
    Superb work!

  60. Vaping Cihazınızın Güç Seviyesi Çok Yüksek Olarak Ayarlanmış ;

    Vapingin boğazınızı ağrıtmasının veya öksürmenize neden olmasının son nedeni, cihazınızın güç seviyesinin çok yüksek ayarlanmış olmasıdır.

    Gelişmiş bir elektronik sigara iseniz, ayarlanabilir güce sahip bir Elektronik sigara moduna sahip olmak harika bir
    şeydir.
    Size Elektronik sigara deneyiminizi kişiselleştirme ve tam olarak istediğiniz sıcaklık ve yoğunluğun keyfini çıkarma yeteneği
    verir.
    Watt değeri ayarlanabilir bir Elektronik sigara cihazı kullanmanın olumsuz yönü, watt değerini çok yüksek ayarlamanın mümkün olmasıdır.

    https://sites.google.com/view/elektroniksigaraoksuruk/ana-sayfa Alıntıdır.

  61. I’m writing on this topic these days, baccarat online, but I have stopped writing because there is no reference material. Then I accidentally found your article. I can refer to a variety of materials, so I think the work I was preparing will work! Thank you for your efforts.

  62. Hi there! This post couldnít be written much better! Reading through this article reminds me of my previous roommate! He constantly kept preaching about this. I’ll forward this information to him. Pretty sure he will have a great read. I appreciate you for sharing!

  63. Aw, this was an exceptionally good post. Spending some time and actual effort to generate a very good articleÖ but what can I sayÖ I procrastinate a whole lot and never manage to get nearly anything done.

  64. Nice post. I learn something totally new and challenging on blogs I stumbleupon everyday. It will always be useful to read articles from other authors and use something from other web sites.

  65. I really love your blog.. Very nice colors & theme. Did you create this website yourself? Please reply back as Iím attempting to create my own personal website and would like to learn where you got this from or what the theme is called. Cheers!

  66. I absolutely love your blog.. Very nice colors & theme. Did you create this site yourself? Please reply back as Iím hoping to create my very own website and want to know where you got this from or what the theme is named. Thanks!

  67. You have made some really good points there. I checked on the web to find out more about the issue and found most individuals will go along with your views on this site.

  68. I blog frequently and I really appreciate your information. This article has truly peaked my interest. I will bookmark your site and keep checking for new information about once a week. I opted in for your Feed as well.

  69. Hmm it seems like your website ate my first comment (it
    was extremely long) so I guess I’ll just sum it up what I had written and say, I’m thoroughly enjoying your blog.
    I too am an aspiring blog writer but I’m still new to everything.
    Do you have any recommendations for first-time blog writers?
    I’d really appreciate it.

    Look into my blog; special

  70. Wonderful article! That is the kind of info that are meant to be shared around the internet.
    Shame on the seek engines for now not positioning this
    publish upper! Come on over and discuss with my website . Thanks =)

  71. Greetings! Very useful advice in this particular article! It’s the little changes that produce the biggest changes. Thanks for sharing!

  72. I blog often and I really appreciate your information. Your article has really peaked my interest. I’m going to book mark your site and keep checking for new information about once a week. I opted in for your Feed as well.

  73. Oh my goodness! Impressive article dude! Thank you so much, However I am going through difficulties with your RSS. I donít understand the reason why I cannot join it. Is there anybody getting similar RSS issues? Anybody who knows the solution will you kindly respond? Thanks!!

  74. Hi, There’s no doubt that your blog could be having web browser compatibility problems. When I take a look at your blog in Safari, it looks fine however, when opening in I.E., it’s got some overlapping issues. I merely wanted to give you a quick heads up! Other than that, great site.

  75. Woah! I’m really enjoying the template/theme of this site.
    It’s simple, yet effective. A lot of times it’s difficult to get that “perfect balance” between usability and visual
    appearance. I must say you’ve done a fantastic job with this.
    Additionally, the blog loads extremely quick for me on Chrome.

    Superb Blog!

  76. Hi, I do believe this is a great site. I stumbledupon it 😉 I will come back yet again since i have bookmarked it. Money and freedom is the greatest way to change, may you be rich and continue to guide others.

  77. When I read an article on this topic, totosite the first thought was profound and difficult, and I wondered if others could understand.. My site has a discussion board for articles and photos similar to this topic. Could you please visit me when you have time to discuss this topic?

  78. When I initially left a comment I appear to have clicked the -Notify me when new comments are added- checkbox and now each time a comment is added I receive four emails with the same comment. There has to be an easy method you are able to remove me from that service? Appreciate it.

  79. Good web site you have got here.. Itís hard to find high quality writing like yours these days. I truly appreciate people like you! Take care!!

  80. I’d like to thank you for the efforts you’ve put in penning this website. I really hope to check out the same high-grade content by you later on as well. In fact, your creative writing abilities has encouraged me to get my own blog now 😉

  81. An outstanding share! I’ve just forwarded this onto a friend who had been doing a little research on this. And he in fact ordered me breakfast due to the fact that I found it for him… lol. So allow me to reword this…. Thank YOU for the meal!! But yeah, thanks for spending some time to talk about this subject here on your website.

  82. Can I simply say what a relief to uncover somebody that genuinely knows what they’re discussing on the web. You certainly realize how to bring a problem to light and make it important. More people have to read this and understand this side of your story. I was surprised you are not more popular because you certainly possess the gift.

  83. Howdy! This blog post couldn’t be written much better! Looking through this post reminds me of my previous roommate! He constantly kept preaching about this. I will forward this post to him. Pretty sure he will have a great read. I appreciate you for sharing!

  84. I blog quite often and I really appreciate your information. This 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 subscribed to your Feed as well.

  85. After looking at a number of the blog posts on your website, I really appreciate your way of blogging. I saved it to my bookmark webpage list and will be checking back in the near future. Please check out my website too and tell me how you feel.

  86. A fascinating discussion is definitely worth comment. There’s no doubt that that you should write more about this topic, it might not be a taboo matter but generally folks don’t talk about such topics. To the next! Best wishes!!

  87. Spot on with this write-up, I honestly think this web site needs a great deal more attention. Iíll probably be returning to read through more, thanks for the advice!

  88. Oh my goodness! Impressive article dude! Thanks, However I am going through troubles with your RSS. I donít understand the reason why I cannot subscribe to it. Is there anybody else getting identical RSS problems? Anybody who knows the solution can you kindly respond? Thanx!!

  89. A fascinating discussion is definitely worth comment. I do believe that you ought to publish more about this subject matter, it may not be a taboo subject but typically people don’t discuss these issues. To the next! Many thanks!

  90. I blog frequently and I really appreciate your information. This great article has truly peaked my interest. I am going to bookmark your site and keep checking for new information about once a week. I subscribed to your RSS feed too.

  91. Oh my goodness! Amazing article dude! Thanks, However I am experiencing troubles with your RSS. I don’t know the reason why I can’t join it. Is there anyone else having identical RSS problems? Anyone that knows the answer will you kindly respond? Thanx!!

  92. Hello there! I could have sworn I’ve been to this web site before but after looking at many of the articles I realized it’s new to me. Anyways, I’m certainly happy I stumbled upon it and I’ll be bookmarking it and checking back regularly!

  93. I must thank you for the efforts you have put in writing this blog. I am hoping to check out the same high-grade blog posts by you later on as well. In truth, your creative writing abilities has inspired me to get my own, personal site now 😉

  94. Hi there everybody, here every one is sharing these know-how,
    thus it’s nice to read this blog, and I used to pay a visit this weblog all the time.

  95. I’ve been looking for photos and articles on this topic over the past few days due to a school assignment, casino online and I’m really happy to find a post with the material I was looking for! I bookmark and will come often! Thanks 😀

  96. The very next time I read a blog, I hope that it doesn’t disappoint me just as much as this one. After all, Yes, it was my choice to read, nonetheless I actually thought you’d have something interesting to say. All I hear is a bunch of whining about something that you can fix if you weren’t too busy looking for attention.

  97. After looking into a number of the blog articles on your site, I truly like your way of writing a blog. I book-marked it to my bookmark webpage list and will be checking back soon. Please visit my web site too and let me know what you think.

  98. An impressive share! I’ve just forwarded this onto a coworker who has been conducting a little research on this. And he in fact bought me dinner because I stumbled upon it for him… lol. So allow me to reword this…. Thanks for the meal!! But yeah, thanx for spending some time to talk about this topic here on your blog.

  99. I was very pleased to discover this page. I want to to thank you for ones time for this particularly fantastic read!! I definitely loved every bit of it and i also have you book-marked to see new information on your website.

  100. The very next time I read a blog, Hopefully it does not disappoint me just as much as this one. I mean, I know it was my choice to read, nonetheless I really thought you would have something useful to talk about. All I hear is a bunch of whining about something you can fix if you weren’t too busy seeking attention.

  101. I absolutely love your site.. Excellent colors & theme. Did you make this amazing site yourself? Please reply back as I’m planning to create my very own blog and want to know where you got this from or just what the theme is named. Cheers!

  102. You’ve made some really good points there. I looked on the internet for more info about the issue and found most individuals will go along with your views on this web site.

  103. Having read this I thought it was rather enlightening. I appreciate you spending some time and energy to put this article together. I once again find myself personally spending way too much time both reading and posting comments. But so what, it was still worthwhile!

  104. You have made some decent points there. I checked on the net to find out more about the issue and found most individuals will go along with your views on this website.

  105. I must thank you for the efforts you have put in writing this website. I really hope to check out the same high-grade blog posts by you later on as well. In fact, your creative writing abilities has motivated me to get my own, personal website now 😉

  106. I’m amazed, I must say. Rarely do I come across a blog that’s equally educative and engaging, and without a doubt, you have hit the nail on the head. The issue is something which not enough folks are speaking intelligently about. Now i’m very happy that I stumbled across this in my search for something concerning this.

  107. An interesting discussion is worth comment. I believe that you need to write more on this subject matter, it might not be a taboo subject but usually folks don’t talk about such subjects. To the next! Best wishes!

  108. Howdy! This article couldn’t be written much better! Looking through this article reminds me of my previous roommate! He always kept talking about this. I am going to forward this article to him. Fairly certain he’s going to have a good read. I appreciate you for sharing!

  109. Right here is the right blog for anybody who wishes to find out about this topic. You know so much its almost hard to argue with you (not that I personally will need to…HaHa). You certainly put a new spin on a subject that’s been discussed for a long time. Excellent stuff, just great.

  110. I just couldn’t leave your site prior to suggesting that I extremely loved
    the usual info a person supply for your guests? Is gonna be again frequently in order to check up on new posts

  111. Hello there, I do believe your web site may be having browser compatibility issues. When I look at your web site in Safari, it looks fine however, if opening in Internet Explorer, it’s got some overlapping issues. I merely wanted to provide you with a quick heads up! Apart from that, wonderful site!