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)



 

Budget Does Not Have To Be Bottom-Up Only

Contributed by mm | April 28, 2005 12:18 PM PST

Sorry for the relative quietness at my blog recently. Between April and May, all Microsoft finance professionals, myself included, are celebrating the annual ritual of budgeting by working tremedous amount of overtime. Believe me, the process is excruciating. After all, Microsoft will become a $40-billion-plus company next year in terms of annual sales.

One important yet interesting step of our budget process is called "target setting." What does it mean? It means someone at the very top of the company draws a financial blueprint of the company for the next fiscal year in a very high-level model. For example, if we expect PC shipment to grow X% next year, our leaders will request our Windows Client business to grow (X+1)% in sales next year while controlling the cost growth to (X-2)%, thus effectively increasing profit margin by 3 percentage points. The real target-setting process is surely a bit complicated that that, but it is designed to be a top-down process with some (very) high level business thinking.

Once the top-level target for each product group is finalized sometime in March, leaders of each group will "cascade" down the targets to specific teams and regions. The next step: finance team will do the bottom-up budget, in which we plan the exact headcount, marketing resources, etc. to meet the cost target and also plan the revenue by product line and licensing type to meet the revenue target. The goal: to match our bottom-up budget to the top-down targets -- anything favorable to target (more revenue or less cost) is welcomed, but anything on the other direction will be questioned, and in most cases, denied. Whenever there is an unfavorable gap between budget and target, someone in the organization needs to make some hard decisions to redo the budget and meet the gold "target".

So, does it mean that the high-level top-down business modeling contains more business intelligence that the bottom-up planning? Not necessarily. But the key beauty of the process is to push people to think smart and make tradeoffs, instead of padding up all the resource requests without restraint. Without a target, every marketing manager will request multi-million-dollar budget to promote the smallest feature in Windows. But with a target spelled out for some middle-level managers, he/she will make the necessary tradeoff decisions and only the fittest investment ideas will survive. Smart thinking really happens in the process of fune tunning budget to meet target.

Same can be applied to personal budgeting. If you start your budget by looking at each spending category like grocery, car and entertainment, you might be tempted to "reward" yourself a bit here and there by adding some more allowance for next month's clothing or entertainment budget. However, to take a cue from Microsoft's multi-billion-dollar budget process, a better method should be to map out the big picture (total income and total expense target) first, and then tweak your bottom-up budget to meet the goals. This way, your increasing entertainment budget will come from savings in other buckets, instead of slowing your savings. Make sense?

This Post Has Received 95 Comments. Share Your Opinions Too.


Mr. K Commented on April 29, 2005

Great post. It makes a lot of sense to meet a budget in the middle from a top-down/bottom-up approach. I always compare my income growth to my expense growth and try to keep them in line. Including a profit margin goal between the two is a great idea. I am going to do the math right now for my past year budgets to see how I did from a net profit perspective.


EssayForMe Commented on July 25, 2017

We Can Write Your Paper For You - EssayErudite.com

Can You Write My Essay for Me ? How many times do students worldwide ask this question without finding an answer?
We'd rather not check the official statistics. At the same time, essays appear to be probably among the most popular academic assignments.
Students from various education establishments need to complete them constantly. If you are among those lucky ones, feel free to contact our customer service department and opt for an essay writing help


FlossieNah Commented on July 26, 2017

Absolutely NEW update of SEO/SMM package "XRumer 16.0 + XEvil":
captchas recognition of Google, Facebook, Bing, Hotmail, SolveMedia, Yandex,
and more than 8400 another size-types of captchas,
with highest precision (80..100%) and highest speed (100 img per second).
You can connect XEvil 3.0 to all most popular SEO/SMM programms: XRumer, GSA SER, ZennoPoster, Srapebox, Senuke, and more than 100 of other software.

Interested? There are a lot of demo videos about XEvil in YouTube.
See you later!


XRumer20170725


CarolynSmese Commented on August 5, 2017

Revolutional update of SEO/SMM package "XRumer 16.0 + XEvil 3.0":
captchas solution of Google, Facebook, Bing, Hotmail, SolveMedia, Yandex,
and more than 8400 another size-types of captchas,
with highest precision (80..100%) and highest speed (100 img per second).
You can connect XEvil 3.0 to all most popular SEO/SMM programms: XRumer, GSA SER, ZennoPoster, Srapebox, Senuke, and more than 100 of other programms.

Interested? There are a lot of demo videos about XEvil in YouTube.
You read it - then IT WORKS!
See you later ;)


XRumer201708


CarolynSmese Commented on August 5, 2017

Absolutely NEW update of SEO/SMM software "XRumer 16.0 + XEvil 3.0":
captchas breaking of Google, Facebook, Bing, Hotmail, SolveMedia, Yandex,
and more than 8400 another types of captcha,
with highest precision (80..100%) and highest speed (100 img per second).
You can connect XEvil 3.0 to all most popular SEO/SMM software: XRumer, GSA SER, ZennoPoster, Srapebox, Senuke, and more than 100 of other software.

Interested? There are a lot of impessive videos about XEvil in YouTube.
You read it - then IT WORKS!
See you later ;)


XRumer201708


CarolynSmese Commented on August 5, 2017

Revolutional update of SEO/SMM software "XRumer 16.0 + XEvil":
captchas solving of Google, Facebook, Bing, Hotmail, SolveMedia, Yandex,
and more than 8400 another subtypes of captcha,
with highest precision (80..100%) and highest speed (100 img per second).
You can connect XEvil 3.0 to all most popular SEO/SMM programms: XRumer, GSA SER, ZennoPoster, Srapebox, Senuke, and more than 100 of other programms.

Interested? You can find a lot of impessive videos about XEvil in YouTube.
You read it - then IT WORKS!
See you later ;)


XRumer201708


CarolynSmese Commented on August 6, 2017

Revolutional update of SEO/SMM package "XRumer 16.0 + XEvil":
captchas breaking of Google, Facebook, Bing, Hotmail, SolveMedia, Yandex,
and more than 8400 another categories of captchas,
with highest precision (80..100%) and highest speed (100 img per second).
You can connect XEvil 3.0 to all most popular SEO/SMM software: XRumer, GSA SER, ZennoPoster, Srapebox, Senuke, and more than 100 of other software.

Interested? There are a lot of introducing videos about XEvil in YouTube.
You read it - then IT WORKS!
See you later!


XRumer201708


Maryabrilk Commented on August 20, 2017

http://salexrumer.site/

Revolutional update of SEO/SMM package "XRumer 16.0 + XEvil":
captchas recognition of Google, Facebook, Bing, Hotmail, SolveMedia, Yandex,
and more than 8400 another categories of captcha,
with highest precision (80..100%) and highest speed (100 img per second).
You can connect XEvil 3.0 to all most popular SEO/SMM software: XRumer, GSA SER, ZennoPoster, Srapebox, Senuke, and more than 100 of other programms.

Interested? There are a lot of impessive videos about XEvil in YouTube.
You read it - then IT WORKS!
See you later!


http://salexrumer.site/
XRumer201708yy


MichaelNub Commented on September 14, 2017

buy effexor plavix 75 mg tablet medication crestor colchicine for pseudogout


Callielob Commented on January 13, 2018

loans for bad credit
payday loans no credit
loans no credit
payday loans no credit check


GregoryAlodo Commented on January 14, 2018

should i take 50 or 100 mg of viagra
viagra online
cialis 20mg or viagra 100mg
buy viagra online
online shopping for viagra
cheap viagra
buy viagra over counter canada
lowest prices on viagra
cheap viagra in nz


Helenmex Commented on January 16, 2018

payday loans bad credit
online loans for bad credit
fast quick loans online
loans online only


Martindeecy Commented on January 18, 2018

buy cheap cialis today
buy cialis
cheap cialis canadian pharmacy
cialis online
safe place buy cialis online
cialis cost
what do cialis pills do
cialis prices
can you buy cialis mexico


Melvinbib Commented on January 18, 2018

describe at least one application for autocad software
autodesk student
buy autocad 2011 software
autodesk student
autocad upgrades
autocad
autocad online schools
download autodesk autocad
autocad light download


GregoryTOM Commented on January 22, 2018

levitra sale philippines
levitra coupons
levitra discount canada
levitra 20 mg
buy levitra in usa
vardenafil 20mg
buy real levitra
vardenafil 20 mg
buying levitra online


LauraHoary Commented on January 22, 2018

best us casinos online
real money online
online casino game
real money online


RobertVorie Commented on January 23, 2018

buy single viagra uk
viagra without doctor
buy viagra in nigeria
viagra without a doctor prescription
cipla sildenafil citrate 100mg
viagra prices
viagra generico drogaria pacheco
viagra online
viagra lower price


Marvintaw Commented on January 28, 2018

generico viagra medley
viagra no prescription
no prescription viagra online
viagra without doctor
viagra 100 mg prices
sildenafil citrate
viagra cialis levitra buy online
sildenafil citrate
is levitra cheaper than viagra


PeggyBig Commented on January 28, 2018

payday loans no credit check
payday loans no credit check
payday loans no credit check
payday loans no credit check


JosephRoafe Commented on January 31, 2018

generic viagra due date
viagra without a doctor's prescription
50 mg versus 100 mg viagra
viagra without prescription
viagra buy in singapore
generic viagra 100mg
whats a good site to buy viagra
generic viagra online
how do you get prescribed viagra


Ashleeabori Commented on January 31, 2018

casino games roulette
pogo casino slots
online gambling casino
cassino


Cindysic Commented on January 31, 2018

whats the best weight loss supplement
weight loss drugs
best diet pill available
weight loss medications


Briankat Commented on February 3, 2018

cheap cialis for sale
generic cialis
ac uk buy cialis
tadalafil generic
cialis discount
buy cialis online
cialis super active 20mg pills
cialis generico online
buy cialis in europe


WilliamFaxia Commented on February 3, 2018

buy cialis overnight
generic cialis tadalafil
cheap cialis without rx
generic cialis at walmart
cialis cheap prescription
cialis cialis prices
is it legal to order cialis online
cialis generico online
cialis 20 mg tablets uk


Nancyacutt Commented on February 4, 2018

supplements for weight loss
garcinia cambogia
diet supplements that work
prescription weight loss pills


Tylerneugs Commented on February 5, 2018

aarp approved canadian online pharmacies
canada pharmacies
lloyds pharmacy online
canadian pharmacies online
online pharmacies
online pharmacies canada
online pharmacy
canada pharmacies online prescriptions
online canadian pharmacy


CharlesThels Commented on February 6, 2018

canada pharmacy online
canadian pharmacies online
CVS Pharmacy
online pharmacy
no prior prescription required pharmacy
canadian pharmacies shipping to usa
cvs pharmacy online
online pharmacies canada
Online Drugstores


NaomiBof Commented on February 7, 2018

top weight loss supplements
weight loss prescription drugs
best diet pills to lose weight
weight loss products


JamesOrarf Commented on February 7, 2018

wire transfer las vegas casino
free roulette games
play online gambling casino
strat roulette
bingo sites with best bonus
online gambling
casino bonus best
online casino games
live dealer casino online
online slots
play casino online
slot machine
is virtual blackjack rigged


HenryCeage Commented on February 8, 2018

price comparison viagra
viagra generic
viagra pillole blu
viagra without a doctor prescription walmart
online doctor to prescribe viagra
viagra without prescription
viagra cialis levitra buy online
viagra without a doctor prescription
viagra pillen bij vrouwen


LauraElula Commented on February 9, 2018

best weight loss pills for women
best appetite suppressant
weightloss pills
top weight loss supplements


Harryrep Commented on February 9, 2018

buy cheap cialis uk
tadalafil generic
red cialis pills
cialis generico online
buy cialis professional cheap
cialis coupons printable
cheap cialis uk generic
cialis coupons 2017
can i buy cialis over the counter in usa


Eldenrig Commented on February 9, 2018

cialis super active 20mg pills
cialis generico
cialis for sale manila
generic cialis at walmart
cheap cialis usa
5 mg cialis coupon printable
buy cialis lilly
cialis coupons printable
buy cialis online with a prescription


TerrySeink Commented on February 9, 2018

online order for cialis
tadalafil generic
buy cialis cheap prices fast delivery
generic cialis tadalafil
buy cialis online malaysia
coupon for cialis
buy cialis london
cialis generico online
cialis canada order


EdwinHIB Commented on February 10, 2018

how to get viagra in delhi
sildenafil price
viagra 50mg como tomar
sildenafil
viagra taking 150 mg
generic viagra 100mg
can u buy viagra in uk
generic viagra 2018
sildenafil online india


HectorBof Commented on February 11, 2018

autocad add ons download
autocad 2014
autocad lt 2012 upgrade
autocad 2017
buy autocad 2014 full version
autocad 2012
online part time autocad jobs
autocad viewer
autocad upgrade pricing
autocad student
buy autocad cheap
autocad 2014
download autocad 2002 windows 7
autocad lt 2018
autocad 2017 manual pdf download
autocad 2013
autocad 2017 update download
acad
autocad inventor product key
autocad lt 2018
autocad licenses
autocad studentenversion
autodesk autocad mechanical 2012 product key
autocad studentenversion
autocad online degree


Jeffreyjealo Commented on February 11, 2018

corsi autocad online
autocad 2018
autocad light download
autocad 2007
descargar autocad 2017 gratis para windows 7
autocad 2017 download
download autocad 2011 64bit
autocad lt 2018
autocad lt 2014 serial number
autocad 2016 download
autocad 2000 key
autocad student download
autocad for civil engineering students
autodesk student
autocad lt 2017 serial
autocad inventor
upgrade autocad 2015
autocad 2017
autocad home design online
autocad 2013
autocad descargar 2012
autodesk student download
forklift autocad drawing download
auto cad
autocad 2017 full 64 bits


Jeremyopits Commented on February 11, 2018

cheap cialis generic
cialis price
buy cheap viagra and cialis
cialis prices
cheapest place to buy generic cialis
tadalafil cost
cialis sale usa
tadalafil pills
cialis pills sale


LeeannPaymn Commented on February 12, 2018

weight loss pills for women
pills to lose weight
appetite suppressant
weight loss pill


WilliamMappy Commented on February 13, 2018

windows.com
windows update
windows 10 tabs
update windows 10
free windows 10 upgrade


DavidGew Commented on February 13, 2018

cheap cialis online
cheap cialis
where to get cialis cheap
cialis online
viagra and cialis for sale
tadalafil cost
buy cialis 5mg
generic tadalafil
where can i buy real cialis


JoshuaStync Commented on February 14, 2018

viagra 50 y 100 mg
viagra without doctor
where can i buy viagra in new york
viagra without doctor
cheap generic viagra overnight delivery
viagra coupons
viagra online bestellen deutschland
viagra pills
can i get viagra in boots


PeterHeerm Commented on February 16, 2018

buy cheap viagra thailand
viagra no prescription
buy cheap viagra mastercard
viagra without prescription
viagra for women pills
viagra tablets
buy original viagra in pakistan
viagra cheap
reliable sites to buy viagra


KevinClemn Commented on February 20, 2018

buy cialis no prescription uk
cialis online
cheap cialis thailand
cialis prices
can u take 2 cialis pills
cialis coupons
best place buy cialis line
cialis coupon 20 mg
buy cialis safely


Stephendub Commented on February 20, 2018

word 2017
office download
microsoft office support
microsoft windows
microsoft store canada


Jeffreytraum Commented on February 22, 2018

is it illegal to buy viagra from someone
viagra prices
viagra cialis levitra online pharmacy
buy viagra online
cipla viagra price india
buy generic viagra online
cheapest prescription viagra
viagra generic
buying viagra canada over counter


Michaelfleve Commented on February 22, 2018

microsoft apps
microsoft windows
office download
office online
microsoft word for free


StanleyNog Commented on February 23, 2018

cheap cialis drug
buy generic cialis online
can i buy cialis in dubai
generic cialis price
cheap viagra cialis uk
cost of cialis
cialis thailand buy
cost of cialis
order cialis online


RebeccaPsync Commented on February 25, 2018

celebrex
flagyl online
flagyl antibiotic
finasteride 1mg
voltaren tablets
voltaren
finasteride 5mg


Charlaknomo Commented on February 25, 2018

slot game
biggest no deposit welcome bonus
casino online free
slot online


PhilipMIc Commented on February 25, 2018

rx party net pill cialis
cialis generic
cialis tadalafil tablets
generic cialis 2018
buy cialis mississauga
cheap cialis
cialis sale sydney
buy cialis
cheap cialis fast


Charlaknomo Commented on February 26, 2018

casino online for fun
casino games slots
online casino real money
free online casino slots


DianeFrier Commented on February 26, 2018

generic celebrex
flagyl
flagyl
buy propecia online
voltaren
voltaren 50 mg
finasteride 5mg


GeorgeWes Commented on February 26, 2018

buy levitra in canada
levitra canada online
generic levitra online cheap
levitra coupon 3 free pills
buy levitra next day delivery


RobertAdara Commented on February 27, 2018

microsoft word
microsoft solitaire
microsoft office 365 download
office download
microsoft word 2016 gratuit


Thomassurge Commented on February 27, 2018

buy levitra us
viagra cialis levitra
where to buy levitra online no prescription
cost of levitra
cheapest levitra/uk


Robertmus Commented on February 27, 2018

viagra for sale atlanta
viagra without prescription
50 mg viagra fiyat
viagra without a prescription
get viagra pills
buy viagra online
where to buy viagra safely online
buy viagra
can i buy viagra over the counter in uk


Theresanub Commented on February 28, 2018

celebrex
flagyl antibiotic
flagyl antibiotic
propecia
voltaren tablets
voltaren tablets
buy propecia online


Dorishop Commented on February 28, 2018

generic celebrex
flagyl antibiotic
flagyl
finasteride 5mg
voltaren
voltaren 100 mg
finasteride 5mg


AliceFobia Commented on February 28, 2018

play casinos
casino slots
casino games slots free heart of vegas
online casino no deposit bonus


Theresanub Commented on March 1, 2018

celebrex prices
flagyl antibiotic
flagyl online
finasteride 1mg
voltaren 50 mg
voltaren tablets
finasteride 5mg


AliceFobia Commented on March 1, 2018

online casino slots
online casino
best online casino
play casinos


Brucecen Commented on March 2, 2018

cheapest levitra online
when will levitra be generic
buying levitra online safe
levitra coupon
buy generic levitra australia


BonnieZew Commented on March 2, 2018

casino online for fun
casino games free
slot game
casino online free


HeatherGep Commented on March 4, 2018

free online casino slots
casinos online
casino games slots free heart of vegas
casino games slots


RobertSloda Commented on March 5, 2018

many pills come viagra
viagra without prescription
where can i get viagra in south africa
viagra without prescription
viagra generika kaufen forum
buy viagra online
es bueno el viagra generico
buy viagra online
sildenafil - videnfil 100mg


RichardLegek Commented on March 5, 2018

buying viagra in the uk over the counter
viagra without a doctor prescription
can you cut 100 mg viagra
viagra without a doctor prescription
can you buy viagra over counter thailand
viagra online
genericos de viagra
viagra online
costo viagra generico in farmacia


Davidbam Commented on March 5, 2018

can you buy viagra over the counter in boots
viagra without a doctor prescription
buy tesco viagra
viagra without doctor
legal buy viagra mexico
order viagra online
farmacie online viagra
viagra
bestel viagra online


Ronaldblalo Commented on March 6, 2018

cheap viagra uk no prescription
viagra no prescription
cheap viagra next day delivery
viagra without a doctor's prescription
order viagra safely
order viagra online
buy viagra cheap in canada
buy viagra
order viagra from mexico


Bryancrync Commented on March 6, 2018

buy cheap viagra tablets
viagra without doctor
best place buy generic viagra
viagra without doctor
generic sildenafil india
order viagra online
cheap authentic viagra
viagra
free viagra samples online


Anthonydap Commented on March 7, 2018

viagra for sale in ireland
viagra generic
cheap viagra sale online
buy generic viagra online
generic viagra details
buy viagra online
where to get viagra forum
viagra online
what is the price of viagra in australia


Scottspura Commented on March 8, 2018

four exclamation compare viagra prices
viagra pills
where can i get viagra in bangalore
viagra online
generic viagra legal in canada
cheap generic viagra
can i take 2 50mg viagra pills
generic viagra
25mg viagra online


Scottevode Commented on March 8, 2018

buy viagra women
online viagra
good place to buy viagra online
buy viagra
viagra generico brasil
buy generic viagra
viagra online ohne rezept paypal
generic viagra online pharmacy
can your body get addicted viagra


WilliamGoasy Commented on March 12, 2018

price viagra insurance
viagra tablets
como comprar o viagra generico
viagra online
is it legal to buy viagra online
generic viagra online pharmacy
consiglio acquisto viagra online
generic viagra
how long does viagra pill last


Josephunres Commented on March 12, 2018

generic viagra off patent
buy viagra
getting a viagra sample
viagra online
buy viagra online canada no prescription
viagra generic
can you get viagra if you young
generic viagra online pharmacy
is it legal to buy viagra in mexico


LouisGox Commented on March 13, 2018

order cialis no prescription online
buy generic cialis online
order cialis from canada
generic cialis
best place to buy cialis online
cialis
cheapest cialis new zealand
cialis
the cheapest generic cialis


Stephendiave Commented on March 14, 2018

cheap cialis prices
buy generic cialis online
buy cialis tadalafil
cialis generic
can cialis pills be cut
cialis online
cheapest generic cialis no prescription
cialis online pharmacy
buy cialis online uk


Robertamous Commented on March 14, 2018

to buy viagra in london
online viagra
4 viagra pills
viagra online pharmacy
generic viagra quick shipping
viagra without doctor
where can u buy viagra
viagra without a doctor prescription
can prisoners get viagra


AntoneSconi Commented on March 14, 2018

where to buy viagra in chicago
viagra online pharmacy
viagra priceline
buy viagra
cheap viagra online india
viagra without a doctor prescription
online viagra
viagra without a doctor prescription
can you get viagra canada


WilliamAcoum Commented on March 15, 2018

cuanto sale viagra en argentina
viagra without prescription
viagra online in uk
viagra prices
viagra new price canada
viagra without a doctor prescription
chinese herbal viagra wholesalers
cheap viagra
good website buy viagra


RussellGroma Commented on March 15, 2018

generic viagra good brand
viagra without prescription
viagra generico mejor afrodisiaco
viagra without doctor
does walmart have generic viagra
viagra no prescription
can you take xanax viagra together
viagra without a doctor
buy viagra over counter london


KevinGer Commented on March 16, 2018

directions for taking 100mg viagra
viagra order
unterschied viagra marke generika
buy viagra
viagra frau online bestellen
viagra pills
buy viagra online without perscription
viagra pills
viagra 50mg versus 100mg


Richardfuh Commented on March 18, 2018

creative sound blaster
adobe cs6 master collection
cs timer
adobe creative cloud download
adobe re
adobe photoshop lightroom
adobe indesign
photoshop cs5
adobe reader


AndrewCix Commented on March 18, 2018

adobe acrobat reader dc
creative suite
pdf adobe
adobe creative cloud download
adobe help
adobe photoshop cs5
adobe flash player download
adobe photoshop cc 2017
adobe cs2


Davidpen Commented on March 19, 2018

original cialis pills
cheap cialis
cialis pills toronto
buy cialis
cialis women sale
generic cialis at walmart
cialis average wholesale price
generic cialis
what are cialis pills


Robertlucky Commented on March 19, 2018

buy levitra canada
generic levitra online
levitra cheap
when will levitra be generic
levitra sales


Gregorycar Commented on March 22, 2018

viagra online buy india
viagra without a prescription
get viagra bangladesh
viagra without a prescription
viagra sale in india
generic viagra
sildenafil citrate 100mg woman
generic viagra 100mg
viagra price per pill india


JosephTot Commented on March 24, 2018

canadian living recipes
canadian pharmacies shipping to usa
Online Pharmacies
approved canadian online pharmacies
buy medication without an rx
canadian pharmacies online prescriptions
Canadian Pharmacy
canadian pharmacies shipping to usa
canadian pharmacy online


Johnnyedult Commented on March 28, 2018

cheap cialis eu
cialis without prescription
how to buy cialis in japan
cialis without a doctor prescription
discount brand cialis
buy cialis
cuanto sale pastilla cialis
cialis online
cialis buy in australia


JamesBoare Commented on March 28, 2018

best place buy cialis online uk
cialis generika
discount genuine cialis
cialis generika
url=http //opeyixa.com/qoxoo/2.html cheap cialis /url
200 cialis coupon
http://ph-u.com/buy-cialis-usa.html
200 cialis coupon
how to buy cialis online from canada


Arthurved Commented on March 29, 2018

comprar sildenafil - magnus
generic viagra
price comparison levitra viagra
buy generic viagra
there generic version viagra
viagra sale
price viagra bangladesh
viagra for sale uk
illegal buy viagra uk


CharlesPep Commented on March 29, 2018

can i take 150 mg viagra
generic viagra online without script
can you get viagra your gp
buy generic viagra online
comprare viagra online sicuro
viagra online sales
does georgetown health plan cover viagra
viagra for sale uk
can a 21 year old get viagra


AlvinHub Commented on April 1, 2018

cialis sale
generic cialis online without script
super cialis cheap
buy generic cialis
buy cheap cialis profile
cialis online
buy cialis discount online
cialis online
buy viagra and cialis online


MichaelWal Commented on April 1, 2018

brand name cialis for sale
buy cialis online
order cialis with prescription
cialis online
cialis brand name buy online
canadian cialis
cialis pills used
canadian cialis
buy cialis kuala lumpur


RonaldCunse Commented on April 2, 2018

viagra buy dublin
viagra pills
buy viagra uk over counter
viagra pill
viagra buy generic
viagra online sales
viagra cheap .com
viagra for sale uk
order real viagra


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 ... 50 Posts In The Same Category










This page was last rebuilt at April 02, 2018 11:58 AM PST. (508 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)