My Personal Finance Journey

Personal finance observation, musing and decisions in a journey toward financial independence by 2020 with at least $3 million.


By Topics

Overall:
0. About (10)
1. My Progress (139)
2. Car & Home (107)
3. Credit (138)
4. Banking (33)
5. Saving (49)
6. Investing (308)
7. Taxes (89)
8. Spending (74)
9. Misc (97)
A. Archive (49)



MONTHLY ARCHIVE

Feb 2014 (3)
Jan 2014 (6)
Jan 2012 (1)
Apr 2011 (1)
Mar 2011 (1)
Feb 2011 (1)
Jan 2011 (1)
Dec 2010 (1)
Oct 2010 (1)
Sep 2010 (1)
Aug 2010 (1)
Jul 2010 (1)
Jun 2010 (1)
May 2010 (1)
Apr 2010 (1)
Mar 2010 (6)
Feb 2010 (2)
Jan 2010 (7)
Dec 2009 (3)
Feb 2009 (4)
Jan 2009 (8)
Dec 2008 (1)
Jun 2008 (2)
May 2008 (2)
Apr 2008 (5)
Feb 2008 (3)
Jan 2008 (15)
Dec 2007 (32)
Nov 2007 (6)
Oct 2007 (8)
Sep 2007 (9)
Aug 2007 (24)
Jul 2007 (2)
Jun 2007 (1)
May 2007 (3)
Apr 2007 (4)
Mar 2007 (4)
Feb 2007 (13)
Jan 2007 (6)
Dec 2006 (3)
Nov 2006 (7)
Oct 2006 (7)
Sep 2006 (6)
Aug 2006 (4)
Jul 2006 (10)
Jun 2006 (1)
May 2006 (3)
Apr 2006 (2)
Mar 2006 (6)
Feb 2006 (6)
Jan 2006 (3)
Dec 2005 (1)
Nov 2005 (9)
Oct 2005 (8)
Sep 2005 (13)
Aug 2005 (25)
Jul 2005 (16)
Jun 2005 (17)
May 2005 (19)
Apr 2005 (20)
Mar 2005 (24)
Feb 2005 (23)
Jan 2005 (36)
Dec 2004 (40)
Nov 2004 (34)
Oct 2004 (17)
Sep 2004 (21)
Aug 2004 (59)
Jul 2004 (37)
Jun 2004 (31)
May 2004 (29)
Apr 2004 (52)
Mar 2004 (49)
Feb 2004 (49)
Jan 2004 (31)
Dec 2003 (48)
Nov 2003 (52)
Oct 2003 (29)
Sep 2003 (8)
Aug 2003 (5)
Jul 2003 (2)
Jun 2003 (2)
May 2003 (5)
Apr 2003 (2)
Mar 2003 (2)
Feb 2003 (3)
Jan 2003 (29)



 

Credit Card Rewards Distort Price System?

Contributed by mm | April 7, 2005 8:09 AM PST

The cheapest gas I purchased in recent years was at $1.10/gallon. Nowadays, I will be lucky to find a gas station that is willing to sell me at $2.30/gallon. With the BMW purchase and its unique taste of premium gasoline, I now have to get used to $40 a refill. So, between two neighborhood gas stations, is it always wise to go for the one that shows the lowest price?

Not necessarily. And I am not talking about avoiding driving 50 miles for gas at 10 cents cheaper per gallon, I am talking about how credit card rewards can push someone like me to the outlet with a higher price tag.

In my neighborhood, the discounter Arco usually offers the lowest price. Big names like Chevron and Shell are about 10 cents more expensive. However, my local Arco does not accept credit card, and it charges me 35 cents every time for using debit card. How should I choose?

Arco's non-acceptance of credit cad is really a turnoff for me. if you recall, I can earn 5% cashback from my Citi Dividend Platinum card or Citi Driver's Edge card, and at $2.40 a gallon, this amounts to 12 cents/gallon cashback in a later date. After this simple calculation, it does not take much time for me to decide against paying 35 cents for the pleasure of "cheaper" gas.

Over time, I have noticed more examples like this, in which seemingly non-price factors turn into price factors:

Example #2: Costco does not accept Visa and MasterCard. It does accept American Express, which usually offers 1-2% rebate at most. (Like this Amex/Costco TrueEarnings card.) Still, it creates a 3% price disadvantage for Costco -- if Walmart prices 2% higher than Costco, I will still be better off by swiping my 5% cashback card at Walmart.

Example #3: I admit that Amazon usually offers good value for many products, but for Washingtonians like me, buying from Amazon means paying 8.8% state sales tax. Many out-of-state speciality e-shops can beat, or at least offer the same price as Amazon does -- they got my orders. (Worse, for the limited occasions when I bought from Amazon, they don't even ship from the state of Washington.)

All in all, it's the invisible hand to the higher level. Merchants should not only compete in price: credit card acceptance, and even the physical location, can all find their ways to economic man's financial mindset.

This Post Has Received 84 Comments. Share Your Opinions Too.


jim Commented on April 7, 2005

One benefit of having the Costco Gas around is that it depresses some of the gas prices nearby, at least around me. I've found that the Exxon, which typically has the highest prices of all the stations, has very competitive prices because of the Costco (and are actually better for me because of the 5% cashback).


recog Commented on April 7, 2005

I lived in Georgia in the late '90s, and gas got as cheap as $0.699/gallon! I used to be able to fill up for <$10. I still drive the same car, but it now costs me ~$28 to fill up.

With regard to reward gas cards, Sam's Club gives a $0.05/gallon discount *and* it takes Visa/MC (for gas only). My local grocery store also gives a $0.03/gallon discount for those that have their discount key tag and they accept all forms of credit cards. They even give a $0.10/gallon for every $100 you spend in a month.

Thus, if you're smart about it and combine these deals with a 5% reward card, you can save a good bit of money on gas.

recycledcognition.com
Financial Cognition @ news.pfblog.com


Joshua Ross Commented on April 7, 2005

An interesting aspect to this post is the current use of credit scores in determining price. Texas Utilities recently offered Texas residents with higher credit scores a lower rate on the price per kilowatt hour over residents with lower credit scores.


ncnblog Commented on April 7, 2005

Why not just use plain old cash money? This avoids the hassles, avoids the pitfalls of over-spending with credit cards (we spend an average of 12% more when we use credit than when we don't) and it is accepted everywhere. If you use a simple envelope system and place your cash for gas in your envelope marked "gas" or in your wallet with a rubber-band, you can just pay for gas. The mulit-million dollar credit card companies are not foolish...they KNOW that if they can rope you in with "rewards" and "bonuses" that eventually you will over-extend yourself, and be forced to pay interest and other fees...just my two cents, but do what grand-pa would have done...pay cash
I love you blog, and have learned alot from it...please check out mine at
www.ncnblog.blogspot.com


mightybargainhunter Commented on April 7, 2005

I'm all for using gas rebate cards. The CC companies may get a lot of profit from the extra business that the rebates bring, but not from me! :)

I noticed the same price disadvantage between Costco and Wal-Mart. It stems from Costco's desire to cut its expenses -- CC transactions are expensive for the merchant. Costco is able to cut the price because it doesn't have the burden of the cost from the CC transaction (it probably gets a great deal from AE because it uses its cards exclusively).

It's just that now the CC companies are so competitive that they need to get new customers any way they can. They'll always lose out on the customers that use the CC solely for convenience (the company probably doesn't make more than 3% on a gas purchase from the merchant).

http://www.mightybargainhunter.com


Karthik Commented on April 15, 2005

Between "Costco plus TrueEarnings" and "other-gas-station plus Citi card", yes Citi may beat by a couple of percentage points because of its 5% payback. But lets not forget that the 5% has an annual cap of $300. So at 5%, the cap reaches on $6000 expenses per calendar year ($500 per month).

Thus it may make sense to transfer some expenses
off of Citi onto say TrueEarnings card.
Of course if one is not hitting the max of $300
per calendar year with Citi, there is no issue.
I guess that would not be the common case.

Karthik


Brian Maloney Commented on May 25, 2005

Hey man I feel ya. I have a jaunt of about 40 miles everyday and there is only one gas station in the mix. They also charge me for using a credit card but thankfully, there is a new gas station being constructed in my path so I can't freak anymore. There is really great deals if you consume at hess gas card, or discover has a awesome card that pays back 5% cash all the time. Anyhoo, these cards are kind of an unspoken savior and shaves off like $50 a yr. or more that I can use at the grocery store or whatever.
Keep smart you'll find the right merchant that takes better care of ya than arco.


Hess Gas Card Commented on May 25, 2005

Ceck out these cards, they can help.


ASAP Credit Card Commented on September 23, 2005

Consumers should be aware of "tactics" used by credit card companies to lure them into creating more debt. There are definitely many confusing aspects to using a reward card. But at the same time, if used properly, you can gain a variety of benefits and perks!

Most of the time, these types of cards have higher interest rates than standard credit cards. This is how many people get burned.

But if you only use this type of card as a secondary option to your regular, lower rate card... you can take advantage of the credit card company; instead of it taking advatage of you!

Only use this card for purchases you know you can pay-off within the "grace period" (the time in which no interest is charged). If you know you can't pay it off quickly, use your lower rate card instead. This way, you can earn freebies on purchases you make anyways, without paying interest!

http://www.asapcreditcard.com


MichaelNub Commented on September 14, 2017

[url=http://wellbutrinsr.pro/]wellbutrin 75mg[/url] [url=http://buy-celexa.shop/]celexa medication[/url] [url=http://buy-abilify.reisen/]buy abilify[/url]


MichaelNub Commented on September 14, 2017

[url=http://buyclindamycin.shop/]buy clindamycin gel[/url] [url=http://buyfluoxetine.store/]order fluoxetine[/url]


MichaelNub Commented on September 14, 2017

[url=http://buy-vardenafil.work/]buy vardenafil[/url] [url=http://advairdiskus.directory/]advair[/url] [url=http://levitrageneric.pro/]levitra generic online[/url]


MichaelNub Commented on September 15, 2017

[url=http://cipro500mg.pro/]cipro[/url] [url=http://buy-crestor.work/]crestor rosuvastatin[/url] [url=http://atarax.directory/]atarax[/url] [url=http://plavixgeneric.pro/]plavix generic[/url]


CharlesLiede Commented on September 15, 2017

[url=http://buy-provera.reisen/]buy provera[/url] [url=http://tamoxifen.systems/]tamoxifen online[/url] [url=http://diclofenacgel.pro/]diclofenac[/url] [url=http://buy-phenergan.shop/]cost of phenergan[/url]


MichaelNub Commented on September 25, 2017

[url=http://colchicine247.us.com/?prevacid;when;to;take]prevacid when to take[/url] [url=http://colchicine247.us.com/?levitra/plus/buy]levitra plus buy[/url] [url=http://colchicine247.us.com/?clomid=50mg=for=men]clomid 50mg for men[/url] [url=http://colchicine247.us.com/?lasix*dose*dogs]lasix dose dogs[/url]


MichaelNub Commented on September 27, 2017

wh0cd201356 [url=http://malegradxt.world/]malegra dxt[/url] full article http://malegradxt.world/ [url=http://fluconazole.us.com/]fluconazole sale[/url] fluconazole http://fluconazole.us.com/


MichaelNub Commented on September 27, 2017

wh0cd201356 [url=http://prozacnorx.us.com/]purchase prozac[/url] Prozac No Rx http://prozacnorx.us.com/ [url=http://provera.us.com/]PROVERA AUSTRALIA[/url] provera cost http://provera.us.com/ [url=http://kytril.reisen/]kytril[/url] kytril http://kytril.reisen/


MichaelNub Commented on September 29, 2017

wh0cd201356 [url=http://onlinediflucan.us.com/]diflucan oral[/url] online diflucan http://onlinediflucan.us.com/ [url=http://minocycline.club/]minocycline[/url] minocycline 50 mg http://minocycline.club/ [url=http://hydrochlorothiazide.us.com/]hydrochlorothiazide 12.5[/url] hydrochlorothiazide http://hydrochlorothiazide.us.com/ [url=http://solumedrol.us.com/]Medrol Without A Prescription[/url] medrol medication http://solumedrol.us.com/


CharlesLiede Commented on September 29, 2017

wh0cd920810 [url=http://buyclonidine.reisen/]clonidine buy[/url] where to buy clonidine http://buyclonidine.reisen/ [url=http://pyridium.world/]buy pyridium[/url] pyridium http://pyridium.world/ [url=http://buyelocon.work/]elocon generic[/url] buy elocon online http://buyelocon.work/


MichaelNub Commented on October 1, 2017

wh0cd201356 [url=http://elocon.us.org/]elocon cream 0.1[/url] buy elocon online http://elocon.us.org/


MichaelNub Commented on October 3, 2017

wh0cd201356 [url=http://buybupropion.us.org/]Buy Bupropion Online[/url] Buy Bupropion http://buybupropion.us.org/


Brettlix Commented on October 4, 2017

wh0cd628179 [url=http://buy-antabuse.work/]antabuse without a prescription[/url] buy antabuse http://buy-antabuse.work/ [url=http://buyrevia.reisen/]revia 50 mg[/url] buy revia http://buyrevia.reisen/ [url=http://suhagra.us.org/]suhagra[/url] [url=http://paxil.world/]paxil[/url] paxil http://paxil.world/ [url=http://prednisolone.news/]prednisolone[/url] prednisolone 5mg tablets http://prednisolone.news/


CharlesLiede Commented on October 5, 2017

wh0cd539568 [url=http://buy-amoxil.shop/]amoxil[/url] get the facts http://buy-amoxil.shop/


AntioneScera Commented on December 5, 2017

cialis 20mg price australia
erection pills
mezza pillola di viagra
[url=http://pillshnembn.com/#]erectile dysfunction pills[/url]
cheap cialis 10mg


Rickyzex Commented on December 8, 2017

can you get viagra if you young
viagra pills
viagra online no prescriptions uk
[url=http://viagrakbg.com/#]cheap viagra[/url]
is online viagra any good


Marvinhog Commented on December 8, 2017

buy cheapest viagra online uk
buy viagra online
buy viagra levitra cialis
[url=http://viagrakbg.com/#]buy viagra online[/url]
there viagra pill women


Donaldpyday Commented on December 8, 2017

bifort- m 50 mg sildenafil
viagra pills
cheap viagra generic 100mg
[url=http://viagrakbg.com/#]viagra pills[/url]
sildenafil 50 mg duracion del efecto


LouisOxync Commented on December 10, 2017

viagra sale online
cost of viagra
generic viagra compared viagra
[url=http://viagrangk.com/#]best price for viagra[/url]
cheap viagra and levitra


Lloydden Commented on December 11, 2017

canada drugs
best canadian mail order pharmacies
best canadian mail order pharmacies
[url=http://canadaunmfgb.com/#]canadian pharmacies[/url]
canadian pharmacy online


Robertgrare Commented on December 12, 2017

get prescription online for viagra
viagra no prescription
can you buy viagra over the counter in california
[url=http://bfviagrajlu.com/#]viagra no prescription[/url]
is generic viagra the same as viagra


Isaacbib Commented on December 12, 2017

cheapest canadian viagra
viagra ohne rezept aus deutschland
viagra online is it safe
[url=http://bfviagrajlu.com/#]viagra ohne rezept aus deutschland[/url]
50 vs 100 mg viagra


Larrytup Commented on December 13, 2017

cheap generic viagra uk online
viagra no script
pode se comprar viagra sem receita medica
[url=http://bfviagrajlu.com/#]viagra ohne rezept aus deutschland[/url]
will they make generic viagra


WillieUsalm Commented on December 13, 2017

generic viagra mail
viagra without prescription
buy viagra los angeles
[url=http://thjsildenafiljkvc.com/#]viagra without a doctor prescription[/url]
viagra buying in mexico
viagra ohne rezept aus deutschland
online viagra from usa
[url=http://bfviagrajlu.com/#]viagra without a doctor prescription[/url]
hva er viagra pille


KatrinaFab Commented on December 13, 2017

online loans
[url=https://smajloans.com/]cash advance loans[/url]
payday loan online
payday loan online


RobertStisa Commented on December 14, 2017

generic viagra uk forum
viagra without prescription
cuantos mg viagra debo tomar
[url=http://thjsildenafiljkvc.com/#]viagra without prescription[/url]
can you get viagra over the counter in amsterdam
viagra no script
real viagra price
[url=http://bfviagrajlu.com/#]viagra no prescription[/url]
generic viagra forum


GregoryGon Commented on December 14, 2017

what will 25mg of viagra do
viagra without a doctor prescription
best generic viagra site forum
[url=http://thjsildenafiljkvc.com/#]viagra without a doctor prescription[/url]
usa viagra online pharmacy
viagra without prescription
slimming pill female viagra
[url=http://bfviagrajlu.com/#]viagra no script[/url]
can i buy viagra over the counter in thailand


StevenBup Commented on December 15, 2017

viagra online consegna veloce
viagra without a doctor prescription
generic viagra online overnight shipping
[url=http://thjsildenafiljkvc.com/#]viagra without a doctor prescription[/url]
online doctor prescription viagra
viagra ohne rezept aus deutschland
sildenafil 100 mg forum
[url=http://bfviagrajlu.com/#]viagra no prescription[/url]
viagra online pfizer


Jimmierak Commented on December 15, 2017

get viagra forum
viagra without prescription
sildenafil - escitan 100mg
[url=http://thjsildenafiljkvc.com/#]viagra without a doctor prescription[/url]
alternative pill for viagra
viagra no prescription
genericos viagra guatemala
[url=http://bfviagrajlu.com/#]viagra ohne rezept aus deutschland[/url]
ordering viagra online


RogerThevy Commented on December 16, 2017

viagra safe while trying get pregnant
viagra without prescription
getting viagra in korea
[url=http://thjsildenafiljkvc.com/#]viagra without a doctor prescription[/url]
prescription prices viagra
viagra without prescription
viagra online purchase india
[url=http://bfviagrajlu.com/#]viagra ohne rezept aus deutschland[/url]
buy womens viagra online


DannyTok Commented on December 17, 2017

kamagra generic viagra uk
viagra without prescription
viagra 50 mg bijwerkingen
[url=http://thjsildenafiljkvc.com/#]viagra without prescription[/url]
can you get someone pregnant on viagra
viagra without a doctor prescription
viagra online prescription free
[url=http://bfviagrajlu.com/#]viagra without prescription[/url]
difference between brand and generic viagra


JoaquinjurgY Commented on December 18, 2017

generico do viagra funciona
viagra without a doctor prescription
what to tell my doctor to get viagra
[url=http://thjsildenafiljkvc.com/#]viagra without a doctor prescription[/url]
20mg cialis vs 100 mg viagra
viagra without prescription
consiglio viagra online
[url=http://bfviagrajlu.com/#]viagra no prescription[/url]
viagra online ship australia


JoaquinjurgY Commented on December 18, 2017

venta viagra online argentina
viagra without a doctor prescription
safe to take viagra and cialis together
[url=http://thjsildenafiljkvc.com/#]viagra without prescription[/url]
viagra get high
viagra without prescription
cheap generic viagra usa
[url=http://bfviagrajlu.com/#]viagra no script[/url]
buy real viagra pills


ConradInsut Commented on December 19, 2017

can you buy viagra over counter uk boots
cheap viagra
can i buy viagra in costa rica
[url=http://sildenafilmkfbv.com/#]viagra prices[/url]
viagra generic soft tabs 100mg


DavidAtown Commented on December 20, 2017

cheap cialis in australia
buy cialis online
can you cut cialis pills in half
[url=http://naqsehuki.com/#]order cialis online[/url]
order cialis online from canada


Eugeneadape Commented on December 21, 2017

cialis super active+ 20mg pills
buy cialis online
cialis film coated tablets tadalafil
[url=http://naqsehuki.com/#]buy cialis[/url]
can cialis pills cut


Delenaacups Commented on December 22, 2017

payday loans online no credit check
[url=http://paydaynock.com/]payday loans online no credit check[/url]
payday loans no credit check
payday loans no credit check


Beatriznam Commented on December 22, 2017

payday loans no credit
[url=http://paydaynock.com/]payday loans no credit check[/url]
payday loans no credit check
payday loans no credit check


EdwardVof Commented on December 22, 2017

order cialis online in canada
buy cialis
buy viagra cialis online canada
[url=http://naqsehuki.com/#]cialis online[/url]
buy cialis professional 20 mg


Faithbuine Commented on December 22, 2017

payday loans online no credit check
[url=http://paydaynock.com/]payday loans no credit[/url]
payday loans online no credit check
payday loans no credit check


EbonyAmold Commented on December 23, 2017

payday loans no credit check
[url=http://paydaynock.com/]payday loans online no credit check[/url]
payday loans online no credit check
payday loans online no credit check


CarolynmiG Commented on December 23, 2017

payday loans no credit check
[url=http://paydaynock.com/]payday loans no credit[/url]
payday loans online no credit check
payday loans no credit


BruceSwesk Commented on December 23, 2017

buy levitra online cheap
levitra
buy levitra thailand
[url=http://levitradbws.com/#]vardenafil 20mg[/url]
cheapest levitra prices
vardenafil
cheap prices levitra
[url=http://vardenafilghns.com/#]levitra 20 mg[/url]
buy generic levitra uk


Jamesadure Commented on December 24, 2017

cheapest levitra uk
levitra 20mg
levitra sale
[url=http://levitradbws.com/#]levitra[/url]
levitra professional sale
vardenafil
levitra online cheap
[url=http://vardenafilghns.com/#]levitra 20 mg[/url]
levitra buy singapore


ThomasGog Commented on December 24, 2017

order levitra cheap
vardenafil 20mg
order levitra professional oo
[url=http://levitradbws.com/#]levitra[/url]
cheapest levitra prices
vardenafil
buy levitra in europe
[url=http://vardenafilghns.com/#]vardenafil 20mg[/url]
where to buy levitra in canada


LionelQuavy Commented on December 25, 2017

generic cialis cheapest price
buy generic cialis
cialis buy now
[url=http://cialisyrudgj.com/#]buy generic cialis[/url]
generic cialis on sale
cheap cialis
does cialis pills look like
[url=http://cialisuitykh.com/#]cialis prices[/url]
where to buy cialis pills


Gregoryfeard Commented on December 26, 2017

brand viagra no prescription online
viagra online
evolution viagra salesman written jamie reidy
[url=http://viagratutrjdsd.com/#]buy viagra online pharmacy[/url]
when should i take viagra 100mg
online viagra
viagra condoms for sale
[url=http://viagraeyefbdj.com/#]online viagra[/url]
buy viagra cialis canada


CordieFum Commented on December 27, 2017

online casino
[url=http://bom777casino.com/]online casino[/url]
casino games
real money casino


TravisEpist Commented on December 27, 2017

cheapest place to buy cialis online
cialis price
buy generic cialis online usa
[url=http://cialisietwdffjj.com/#]cialis price[/url]
cialis wholesale prices
cialis prices
afgan pills cialis index
[url=http://cialisytigjtuj.com/#]cheap cialis[/url]
buy cialis paypal


ShirleyJally Commented on December 28, 2017

free casino games
[url=http://bom777casino.com/]online casino[/url]
real money casino
online casino


JoshuaVut Commented on December 28, 2017

puedo comprar viagra en farmacia sin receta medica
viagra without a doctor prescription
generic viagra gnc
[url=http://viagrarutjdfk.com/#]viagra without prescription[/url]
magnus sildenafil 100mg
viagra cost
price of viagra at costco
[url=http://viagrajretnfc.com/#]viagra cost[/url]
buying viagra craigslist illegal


Austinton Commented on December 28, 2017

cialis viagra sale
viagra without presciption online
where to buy viagra over the counter u.s
[url=http://viagrarutjdfk.com/#]viagra without prescription[/url]
many pills come viagra
cheap viagra
boots viagra online
[url=http://viagrajretnfc.com/#]viagra cost[/url]
how to get doctor to prescribe viagra


SarahDrags Commented on December 28, 2017

free casino games
[url=http://bom777casino.com/]п»їcasino online[/url]
real money casino
casino games


Scottnen Commented on December 28, 2017

what do i need to buy viagra
viagra without a prescription
life of a viagra salesman
[url=http://viagrarutjdfk.com/#]viagra without prescription[/url]
prezzo viagra 100 mg
viagra cheap
generic viagra order
[url=http://viagrajretnfc.com/#]viagra cost[/url]
buy viagra with prescription online


Michaeliropy Commented on December 28, 2017

sildenafil citrate 100mg india
viagra without a prescription
prescription viagra prices
[url=http://viagrarutjdfk.com/#]viagra without a doctor prescription[/url]
buy viagra los angeles
viagra price
pills that work like viagra
[url=http://viagrajretnfc.com/#]viagra cheap[/url]
how easy is it to buy viagra in thailand


StevePlora Commented on December 29, 2017

viagra 100 mg sildenafil citrate
viagra without prescription
buy viagra from chemist
[url=http://viagrarutjdfk.com/#]viagra without a prescription[/url]
generico do remedio viagra
viagra price
buy sildenafil over the counter
[url=http://viagrajretnfc.com/#]viagra price[/url]
sildenafil 50 mg para se usa


WilliamGrott Commented on December 29, 2017

buy viagra goa
viagra without prescription
when will viagra go generic in the us
[url=http://viagrarutjdfk.com/#]viagra without a prescription[/url]
where can buy viagra online
viagra price
comprar viagra online foros
[url=http://viagrajretnfc.com/#]viagra cost[/url]
buying viagra online advice


Myrnareild Commented on December 29, 2017

free casino games
[url=http://bom777casino.com/]free casino games[/url]
online casino
online casino


JamesSonee Commented on December 29, 2017

target market for viagra
viagra without a prescription
get rid hotmail viagra virus
[url=http://viagrarutjdfk.com/#]viagra without presciption online[/url]
viagra versus generic viagra
viagra price
cialis 20mg or viagra 100mg
[url=http://viagrajretnfc.com/#]viagra prices[/url]
viagra 100mg soft tabs


AlexaLed Commented on December 29, 2017

online casino
[url=http://bom777casino.com/]online casino[/url]
casino online
casino online


WilliamRovof Commented on December 30, 2017

top gambling websites
online casino
net casino on line
[url=http://online-casino.party/#]casino real money[/url]
best slots game for ipad


Paulineled Commented on December 30, 2017

casino online
[url=http://bom777casino.com/]casino games[/url]
real money casino
casino online


Barbaraantek Commented on December 30, 2017

casino games
[url=http://bom777casino.com/]free casino games[/url]
casino online
free casino games


Jackiecouby Commented on January 2, 2018

bonus casino uk
online casinos
best online vegas casino
[url=http://online-casino.party/#]casino online[/url]
real deal online casino


PatrickNum Commented on January 3, 2018

play blackjack online south africa
casino
best bonus casino internet
[url=http://online-casino.party/#]casino online[/url]
virtual blackjack shuffle master


Aprilwrobe Commented on January 6, 2018

slots casino
[url=http://casinobablogames.com/]casino slot games[/url]
free casino slot games
free casino games slot


Mariamus Commented on January 7, 2018

free slots no download no registration
[url=http://casinobablogames.com/]slots casino[/url]
free casino games
slotomania free slots


Nancyexcug Commented on January 8, 2018

free slot games
[url=http://casinobablogames.com/]slots for free[/url]
aol slots
free casino games no download


SoniaMal Commented on January 8, 2018

casino games slots
[url=http://casinobablogames.com/]free casino games slot machines[/url]
slots casino games
free casino games slot


BrianFak Commented on January 10, 2018

autocad 2013 function keys
autocad student
autocad 2011 full version
[url=http://autocadtymafq.com/#]autocad[/url]
autocad electrical 2017 student
autocad
autocad 64 bit software
[url=http://autocadbnaqk.com/#]autocad 2018[/url]
autocad 2017 license expired


DebraCrank Commented on January 12, 2018

loans for bad credit
[url=http://paydayhjkfg.com/]payday loans no credit check[/url]
loans no credit
payday loans no credit check


Josephrew Commented on January 13, 2018

viagra 25 mg 4 film tablet
order viagra online
25 mg di viagra
[url=http://viagrayityjg.com/#]buy viagra[/url]
the best website to buy viagra and cialis
viagra prices
order viagra 100 mg mastercard
[url=http://viagramhkdyl.com/#]viagra prices[/url]
is buying viagra online legal in australia


Briancup Commented on January 15, 2018

cheap cialis sale online
cialis prices
how do i order cialis
[url=http://cialisghkgfjm.com/#]buy cialis online[/url]
much cialis pills
generic cialis
buy cialis tablets
[url=http://cialistrihfy.com/#]cialis without a doctor's prescription[/url]
cheap cialis prices canada


Taylorgab Commented on January 15, 2018

cheapest cialis from india
buy cialis online
order cialis cheap
[url=http://cialisghkgfjm.com/#]buy cialis online[/url]
cialis for sale in philippines
cialis without a doctor's prescription
viagra cialis online order
[url=http://cialistrihfy.com/#]cialis generic[/url]
cheapest cialis 20mg


Melvinbib Commented on January 18, 2018

autocad 2000 lt download
autodesk sketchbook
autocad 2017 serial key activation code
[url=http://autodeskoutyk.com/#]autodesk sketchbook[/url]
autocad 2d software
autocad download
autocad 2011 service pack 3 download
[url=http://autocadmnfheru.com/#]download autocad[/url]
educational autocad download


Add Your Comments










Remember personal information?




(It will take a few moments for your comment to be published. Please do not close the window until then.)


Read More ... 138 Posts In The Same Category










This page was last rebuilt at January 18, 2018 04:01 PM PST. (408 Words)
 

RSS FEED





PERSONAL FINANCE BLOGS I READ

Consumerism Commentary
Get Rich Slowly
My Money Blog
All Financial Matters
The Simple Dollar






.



Copyright 2003-2014, PFBlog.com. All Rights Reserved. (Privacy Policy)