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)



 

The Question of Selling or Renting Out, Part 1: The Facts

Contributed by mm | June 23, 2005 6:09 AM PST

Now let me start to discuss the single most important decision I have to make during the summer: in anticipating of an upcoming relocation later this year, should I sell my house, or rent it out? It is not a million dollar question, but it does have potential to be a $100,000 one, or big enough to make a difference in my financial life.

For discussion purposes, let me compile the facts first:

• The house was acquired in August 2003 for $315,000.

• My mortgage, which was refinanced in April 2004, is a 5/1 ARM at a remarkably low rate of 3.50%. The outstanding loan balance is $243,400 by the end of this month. Monthly mortgage payment is a bit north of $1,100, including ~$400 for principal repayment and ~$700 for interest.

• I pay property tax on my own, and it amounts to $280/month. Homeowner's insurance adds another $40/month.

• The current value of the house is about $390,000 -- my neighbor's house, which is identical to mine but with 1,000 sqft more lot size, was sold for $400,000 a few weeks ago. (If you run the math, you might notice in my accounting book, my home equity was understated for about $67,000. The actual equity is close to $147,000 by now thanks to the housing boom.)

• If I choose to sell, I will only do so after August. This is to make sure I can take advantage of the tax-free clause for capital gains. Plus, my relocation package will cover virtually all of the closing cost, which can normally take up to $30,000.

• My overseas assignment will take about two years, and we don't think we will choose to stay in the current house once we return. Both my wife and I agree we should be able to afford more spaces then. (We estimate our net worth will be north of $450,000 by then and income will increase too.)

• We estimate the house can be rented out at $1,600-$1,800/month. Since I cannot be a local landlord, I will incur monthly maintenance/property management cost of $200-$300 if I choose to put it into the rental market.

There are too many personal finance "experts" splicing and dicng the popular "buy or rent" decision (including a very early one at PFBlog), but when it comes to "sell or rent out," resource is scarce. I am determined to explore this better in the next few weeks at this critical turning point of my personal finance journey. Please feel free to throw in your comments, and they will be very much appreciated.

This Post Has Received 116 Comments. Share Your Opinions Too.


Wes Commented on June 23, 2005

Since MS will be covering closing costs I would say "SELL"! You say it could be up to $30,000, which I assume means you are including agent fees. I think that alone will tip the balance.

What you really should do is get a NPV of both and see which is better. Then add in the "trouble factor" of being an absentee landlord.

Will you have more fun investing your dough or being an absentee landlord?

Wes


Felix Commented on June 23, 2005

Just want to throw in my two cents. You do not have to wait the required two years to sell your home (assuming you haven't sold a previous primary residence in the past two years).

The IRS allows you to sell prematurely due to certain hardships, one being that you are relocating for a job. The gain exclusion would then be prorated. Since it appears that you would only have a gain of about $75,000 and the amount you can exclude is $500,000 (married-filing-jointly), the prorated gain exclusion would definitely cover it.

If however, you choose to rent it out for two years while you are relocated, you would then need to sell it within a year of returning. The IRS says you need to have it as your primary residence for at least two of the previous five years. Which means that if you begin renting it in, say january 2006, for two years, then in August 2008, five years will have passed since you acquired the home and you will have lived in it for at least two of them (Aug. '03 through Dec. '05 and then Jan. '08 through Aug. '08). Once you go beyond that date you are eating into your two years and then you may be required to hold onto the property for longer than you may like in order to exclude the gain.

In addition, because you are renting it, your basis will decrease due to depreciation allowance that you can take (cost basis over 27.5 years) each year and this must then be recaptured as gain regardless of whether you can exclude the gain or not under Sec 121 (gain exclusion from sale of principal residence).


FMF Commented on June 23, 2005

SELL!

Wes said everything I was going to say.


Jamie Commented on June 23, 2005

For what it's worth, I once saw a study by Jeremy Siegel that suggested that individuals 30 years of age or under should actually have more than 100% of their assets invested in stocks (believe it was around 122%) to capitalize on historical market patterns. I will look for the link, but the basic idea was that when you're young, even a big market decline will pay out over the long run and so leverage makes a great deal of sense.

The reason why I find this interesting is because I think it talks to the real advantage of a house: leverage. If you're planning to buy a new house where you move to (on a mortgage), I think it makes sense to sell and avoid too much of your portfolio in one asset class. If, however, you are not planning to do so, while I know housing lags stocks in the long-run, I can still see the benefit of leverage to someone as young as yourself (or myself) in order to get more investable assets at modest long-term risk.

On a separate note, living in the Bay Area makes me darned envious of your mortgage. I think I need to look for a new job in Seattle! Good luck! I wish we all had your good fortune of having this sort of decision to make.


foo@bar.com Commented on June 23, 2005

Selling is probably better. But if your employer is picking up the closing costs, they still might W2 you for that, which would mean more US taxes next April 15.

You are paying out about $1420 per month on everything associated with the house. With adjusted potential rents of $1300-1500/month, you are just losing or breaking even, not factoring in any appreciation.


dave Commented on June 24, 2005

I lived in a house near grad school and the landlord went overseas to Iraq. The people he left behind to run the place were not exactly responsive. The people in the house did damage that a rented manager wouldnt notice, but as the owner you would have noticed.

You own this place. You want to be around if it floods, or if a tree falls or if the people who live there are slobs. You dont want to be overseas from it.

Even if you were making money off of it, for the hassle factor alone i would advise you to sell the house. The value of not worrying about a property while you are overseas is definitely worth the lost income. Invest the money in a no-maintenance asset like index funds.

The real estate market is fantastic, your company pays closing, which is like throwing another $20k onto the price of the house... It seems so clear to me that you should sell. Plus, you dont seem like the landlord type. Everybody thinks they can do it these days, but its not as easy as it seems. Especially from thousands of miles away. Just my USD 0.02


damian Commented on June 24, 2005

Hey one more comment - the WSJ online has an article on this exact topic today...
http://online.wsj.com/article/0,,SB111892803843361442-email,00.html

i dont know if that link will work because you have to be a paid subscriber. I can email it to you if you want...the wsj will let a subscriber email the article to a friend.

Anyway, it was written by Terry Cullen and the headline is "Bubble Anxiety Has Homeowners
Debating: Time to Sell or to Rent?"


mm Commented on June 24, 2005

Thanks Damian. Good finding! Yes, I do have WSJ access.


1stMill Commented on June 24, 2005

Ask yourself if the potential upside is worth the downside risk? Then remember, part of being a successful investor is knowing when to sell.

Good luck, 1stMill


Shadows In The Cave Commented on June 24, 2005

I think you should keep the house and rent it.

I left Atlanta after owning my home for only a year. I didn't want to be an absentee landlord. But now it has been 8 years since I left, and I still own the home. In that time, I've spent maybe $12,000 out of my own pocket, while the tenants have paid the rest.

The tenants have paid down the mortgage by about $40,000 and the home has appreciated by about $20,000.

Yeah, sometimes it's a pain, but with a good management company, it makes sense to hold on to real estate.


Bryan Gross Commented on June 25, 2005

Sell! You will be happier for it. I'm 26 and I just sold my house in West Palm Beach for many of the same reasons. Talk about real estate bubbles ... we are going nuts down here. Anyway, I sold my house to go to the Univesity of Florida and get an MBA.

Read my new investing blog:
http://grosscapital.blog.com/241282/


Marj Benway Commented on June 25, 2005

Selling seems like the thing to do. Then you have no time constraints for excluding your gain at tax time, and you don't have the worry of relying on a management firm to protect the property. You already made the decision to find another house upon your return. Why hope that the real estate prices will stay as high as they are now? Marj


stasd Commented on June 27, 2005

Hi,

Eight months ago I was facing the same question, and my company paid 100% of the closing cost for selling the place as well as the closing cost of buying a new house at the destination. My house was sold at $196,500, and now another house in the subdivision which is about 400sqft smaller (with less upgrades) is being listed at $232,000, and for my case I think I would be better of not selling it it. I knew that my property would go up, but because I did not want to be a remote landlord I decided to sell the property.

I think you should just keep your property for two more years. I'm not sure if renting will be a good option unless you can find a really trusted tenant. A few people I know owning properties and being remote all have problems with tenants. They are always late on payments and some don't pay and there is nothing you can do about it. So, I think you should forget about renting, and keep the property if you can afford it.


ja Commented on June 29, 2005

Sell, sell, sell. If you never want to live in the house again. Get rid of the baggage.(g)


nelsonal Commented on August 30, 2005

An article about this subject included a link to the AICPA's page with a spreadsheet designed to answer this sort of question. Hope it works for you.
www.aicpa.org/download/pubs/jofa/2005_06_witmer.xls


MichaelNub Commented on September 15, 2017

[url=http://cialisgeneric.reisen/]cialis generic[/url] [url=http://atenolol.fail/]atenolol[/url] [url=http://buyatarax.store/]atarax for ic[/url] [url=http://genericrevia.pro/]revia[/url]


CharlesLiede Commented on September 15, 2017

[url=http://lisinopril20mg.us.org/]Lisinopril 20mg[/url] [url=http://doxycycline100mg.us.org/]doxycycline pharmacy sale[/url]


MichaelNub Commented on September 24, 2017

[url=http://colchicine247.us.com/?stopping;warfarin;when;getting;dental;extraction]stopping warfarin when getting dental extraction[/url] [url=http://colchicine247.us.com/?neurologic,side,effects,avalide]neurologic side effects avalide[/url]


MichaelNub Commented on September 25, 2017

[url=http://colchicine247.us.com/?tadalafil:q]tadalafil q[/url] [url=http://colchicine247.us.com/?Loricid]loricid[/url]


CharlesLiede Commented on September 28, 2017

wh0cd200148 [url=http://cytotec.news/]cytotec[/url] cytotec http://cytotec.news/ [url=http://cialisonline.work/]cialis[/url] cialis http://cialisonline.work/ [url=http://furosemide.systems/]furosemide 20 mg sales[/url] furosemide 20 mg http://furosemide.systems/


MichaelNub Commented on September 30, 2017

wh0cd554577 [url=http://propecia247.us.com/]buy propecia[/url] generic propecia http://propecia247.us.com/ [url=http://calan.reisen/]calan er[/url] calan http://calan.reisen/ [url=http://plaquenil.us.com/]plaquenil online[/url] cheap plaquenil http://plaquenil.us.com/


MichaelNub Commented on October 5, 2017

wh0cd843761 [url=http://clindamycin.us.org/]Clindamycin Buy[/url] clindamycin capsule http://clindamycin.us.org/ [url=http://capoten.world/]capoten drug[/url] capoten http://capoten.world/ [url=http://zithromax.us.org/]zithromax[/url] zithromax tablets http://zithromax.us.org/


Jamesjeobe Commented on November 10, 2017

autocad 2012 download for students
autocad 2018
autocad 2011 service pack 2 download
[url=http://autocadgou.com/#]autocad 2016[/url]
autocad 2011 windows 7 32 bit download


JeremyTix Commented on November 11, 2017

autocad 2011 64 bit product key
autocad
autocad mep price
[url=http://autocadbmsa.com/#]download autocad[/url]
autocad dwg file download


JohnnyExign Commented on November 12, 2017

autocad map download
autocad lt
microsoft visio vs autocad
[url=http://autocadbmsa.com/#]autocad 2018[/url]
full autocad 2017


RodneyLaW Commented on November 14, 2017

cheapest cialis au
cialis coupons
buy cialis no prescription uk
[url=http://fmacialisuhy.com/#]cialis tablets[/url]
quality cheap meds pills cialis


RobertRhisk Commented on November 15, 2017

cialis discount pharmacy
cialis coupon
cheap cialis from india
[url=http://fmacialisuhy.com/#]cialis tablets[/url]
order cialis online mastercard


Danielkib Commented on November 16, 2017

buy viagra cialis line
cheap viagra
buy viagra in new zealand
[url=http://fvbviagrahnas.com/#]online pharmacy viagra[/url]
viagra edex together


Jerrycib Commented on November 16, 2017

cialis for sale in toronto
cialis without a prescription
viagra cialis levitra buy online
[url=http://vnacialisfbvn.com/#]cialis without a doctor prescription[/url]
order cialis and viagra


RonaldAeron Commented on November 17, 2017

cialis online best place buy
cialis without a doctor
ordering cialis online legal
[url=http://vnacialisfbvn.com/#]cialis without a doctor prescription[/url]
cuanto sale el cialis


Dennisdalse Commented on November 17, 2017

buying cialis usa
cialis without doctor
buy cialis dubai
[url=http://vnacialisfbvn.com/#]cialis without a doctor[/url]
mail order cialis canada


Herberthoodo Commented on November 18, 2017

buy viagra canada
viagra without a doctor prescription
buy viagra online forum
[url=http://thjsildenafiljkvc.com/#]viagra without a doctor visit[/url]
buy viagra online in bangalore


Williamhep Commented on November 18, 2017

order viagra online in the uk
viagra without a doctor prescription
viagra 100mg price in pakistan
[url=http://thjsildenafiljkvc.com/#]viagra without a doctor prescription[/url]
tesco pharmacy viagra prices


Bobbyceday Commented on November 20, 2017

where can i buy real cialis
cialis prices
cheap cialis soft
[url=http://cialisdmngj.com/#]cialis prices[/url]
how to order cialis from canada


AndrewJer Commented on November 21, 2017

order generic viagra cialis
cialis price
how to buy real cialis online
[url=http://cialisdmngj.com/#]cheap cialis online[/url]
buy cialis online new zealand


Berthauphok Commented on November 21, 2017

loan center
[url=https://loanstrast.com/]online loan companies[/url]
payday loans austin tx
loan direct
[url=https://loansfast.us.com/]cashloan[/url]
how to get money quick
bad credit loan


JamesSer Commented on November 21, 2017

cialis buy toronto
cheap cialis
buy cialis pills
[url=http://cialisdmngj.com/#]cialis cost[/url]
buy cheap cialis line


AlfredaTwist Commented on November 24, 2017

cheap cialis ireland
cheap cialis
cialis canada order
[url=http://cialisemk.com/]cialis[/url]
cialis professional 20 mg pills


Floyduniof Commented on November 24, 2017

buy viagra toronto store
viagra price
how to use viagra tablets for men
[url=http://viagramndet.com/#]viagra coupons[/url]
posso tomar viagra de 100mg


LouisVet Commented on November 24, 2017

rx generic viagra
viagra coupons
do you need prescription buy viagra
[url=http://viagramndet.com/#]viagra coupons[/url]
generic viagra online us


Sarahunade Commented on November 25, 2017

lending companies
[url=https://loanstrast.com/]how to get money quick[/url]
payday loans near me
i need a loan with bad credit


MichaelScuro Commented on November 25, 2017

how do i get viagra in canada
viagra coupons 75 off
can i buy viagra over the counter uk
[url=http://viagramhbfe.com/#]viagra price[/url]
buy viagra nz online


Danielcrype Commented on November 26, 2017

viagra and getting pregnant
viagra price
can i take half pill of viagra
[url=http://viagramhbfe.com/#]viagra coupons 75 off[/url]
farmacia online venta viagra


Davidsuere Commented on November 26, 2017

cheap cialis soft tabs
cialis coupons printable
buy cialis online with american express
[url=http://cialisopghe.com/#]cialis coupons printable[/url]
should you buy cialis online


TerryCah Commented on November 28, 2017

buy cialis levitra
levitra coupon
levitra for cheap
[url=http://levitraklnbi.com/#]levitra 20 mg[/url]
buy levitra online in canada


MichaelOppop Commented on December 1, 2017

live roulette for us players
online casinos
online casino us legal
[url=http://online-casino.party/#]casino[/url]
play live dealer craps online


Donnarew Commented on December 2, 2017

payday loans online
[url=https://smajloans.com/]pay day loans[/url]
cash advance
payday loans
[url=https://loanstrast.com/]pay day loan[/url]
payday loans online
payday loan online
[url=https://loansfast.us.com/]payday loans[/url]
pay day loans
payday advance


GloriaCholi Commented on December 3, 2017

payday loan online
[url=https://smajloans.com/]pay day loan[/url]
pay day loans
cash loans
[url=https://loanstrast.com/]cash loans[/url]
online loans
pay day loans
[url=https://loansfast.us.com/]online loans[/url]
payday loan online
payday loans no credit check


Antonioger Commented on December 3, 2017

online gambling las vegas
casino online
live blackjack us players
[url=http://online-casino.party/#]casino online[/url]
usa casino online gambling


Brucebioda Commented on December 3, 2017

internet casino promotion
casino online
online roulette easy money
[url=http://online-casino.party/#]online casino[/url]
best casino online usa


GloriaCholi Commented on December 4, 2017

online loans
[url=https://smajloans.com/]payday loans no credit check[/url]
payday advance
payday loans
[url=https://loanstrast.com/]cash loans[/url]
payday advance
online payday loans
[url=https://loansfast.us.com/]payday loan online[/url]
pay day loan
cash loans


BruceWer Commented on December 5, 2017

should take 50 100 mg viagra
viagra without prescription
viagra pill cut
[url=http://viagrajnmeo.com/#]viagra without doctor[/url]
best place buy viagra


ChrisChich Commented on December 5, 2017

buy cialis eli lilly
best erection pills
cialis generici
[url=http://pillshnembn.com/#]erectile dysfunction medications[/url]
buy cialis viagra canada


LouiseVof Commented on December 6, 2017

cash loans
[url=https://smajloans.com/]payday loans[/url]
pay day loan
cash loans
[url=https://loanstrast.com/]cash loans[/url]
payday loans
payday loans
[url=https://loansfast.us.com/]payday loans online[/url]
cash loans
payday loan online


ChrisChich Commented on December 6, 2017

cialis pills for men
cialis rezeptfrei
buy cialis in usa
[url=http://cialisviymw.com/#]cialis rezeptfrei[/url]
cialis for sale in toronto


LouisOwete Commented on December 6, 2017

safest place to buy cialis online
cialis without a doctor's prescription
what are cialis pills for
[url=http://cialisviymw.com/#]cialis rezeptfrei[/url]
buy cialis legally canada


AndreThymn Commented on December 7, 2017

buying viagra online guide
viagra prices
sildenafil citrate soft tabs online
[url=http://viagrakbg.com/#]buy viagra[/url]
discount viagra canada pharmacy


JeffreyVoF Commented on December 7, 2017

viagra ireland sale
viagra online
where to safely buy viagra online
[url=http://viagrakbg.com/#]buy viagra online[/url]
generica do viagra


Marthagot Commented on December 8, 2017

play casino online
[url=http://real777money.com/]slot machines[/url]
free casino games
casino games


Donaldpyday Commented on December 8, 2017

is it easy to get viagra
buy viagra online
generic viagra canada teva
[url=http://viagrakbg.com/#]buy viagra[/url]
generico viagra nome


Marvinhog Commented on December 8, 2017

different mg of viagra
viagra pills
pillole viagra costo
[url=http://viagrakbg.com/#]buy viagra online[/url]
illegal buy viagra someone


Marthagot Commented on December 8, 2017

real money casino
[url=http://real777money.com/]play casino online[/url]
casino online
slot games


Roberthob Commented on December 8, 2017

canadian pharmacy viagra online
viagra prices
revatio sildenafil 20 mg
[url=http://viagrakbg.com/#]viagra prices[/url]
sildenafil cobra 130 mg


RobertHulse Commented on December 9, 2017

can cialis pills be cut in half
cialis online
cheap authentic cialis
[url=http://cialiskbg.com/#]cialis online[/url]
buy viagra cialis online canada


Marthagot Commented on December 9, 2017

casino game
[url=http://real777money.com/]free slot games[/url]
free online casino games
casino online


JeffreyNER Commented on December 11, 2017

canadian pharmacies shipping to usa
canadian pharmacies
canadian pharmacy online
[url=http://canadaunmfgb.com/#]canadian pharmacies online[/url]
canadian online pharmacies


Andrewblumb Commented on December 12, 2017

viagra cialis best price
viagra ohne rezept aus deutschland
365pills.com viagra
[url=http://bfviagrajlu.com/#]viagra no script[/url]
take cialis viagra together


Williamnat Commented on December 12, 2017

get rid viagra
viagra without prescription
sildenafil online uk
[url=http://bfviagrajlu.com/#]viagra without prescription[/url]
how to buy original viagra


ThomastaB Commented on December 13, 2017

buy viagra online in ireland
viagra without prescription
sildenafil buy online canada
[url=http://thjsildenafiljkvc.com/#]viagra without prescription[/url]
viagra 100mg dosierung
viagra without a doctor prescription
viagra cheap uk
[url=http://bfviagrajlu.com/#]viagra ohne rezept aus deutschland[/url]
is cialis or viagra cheap


Edwinslups Commented on December 14, 2017

viagra online buying
viagra without a doctor prescription
best place to buy online viagra
[url=http://thjsildenafiljkvc.com/#]viagra without prescription[/url]
viagra online shop schweiz
viagra without prescription
cheap viagra generic pills
[url=http://bfviagrajlu.com/#]viagra no script[/url]
sildenafil 50 mg y la diabetes


Russellreume Commented on December 15, 2017

buy now viagra spam
viagra without prescription
the man the myth the viagra online
[url=http://thjsildenafiljkvc.com/#]viagra without a doctor prescription[/url]
where to buy viagra uk yahoo
viagra no prescription
facts viagra pills
[url=http://bfviagrajlu.com/#]viagra without a doctor prescription[/url]
birth control pills vs viagra


Michaelrhype Commented on December 17, 2017

viagra generico iene
viagra without a doctor prescription
viagra generico soft
[url=http://thjsildenafiljkvc.com/#]viagra without prescription[/url]
buy viagra in dubai
viagra no script
viagra generika online bestellen erfahrungen
[url=http://bfviagrajlu.com/#]viagra no prescription[/url]
certified pharmacy online viagra


DannyTok Commented on December 17, 2017

cialis viagra levitra price comparison
viagra without prescription
viagra buy online forum
[url=http://thjsildenafiljkvc.com/#]viagra without prescription[/url]
generic viagra no prescription needed
viagra no script
sildenafil online india
[url=http://bfviagrajlu.com/#]viagra without a doctor prescription[/url]
himalayan viagra for sale


MichaelBed Commented on December 18, 2017

cut 100mg viagra
viagra cheap
prices viagra online
[url=http://sildenafilmkfbv.com/#]viagra prices[/url]
generic viagra sale online


Coreycip Commented on December 19, 2017

how i can buy viagra
viagra prices
viagra 100mg bula
[url=http://sildenafilmkfbv.com/#]viagra prices[/url]
generic viagra in india


StaceySwoks Commented on December 19, 2017

female viagra online australia
viagra prices
buy viagra over counter germany
[url=http://sildenafilmkfbv.com/#]cheap viagra[/url]
free sample viagra pills


Rosettaknops Commented on December 19, 2017

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


Rosettaknops Commented on December 20, 2017

payday loans no credit check
[url=https://smajloans.com/]payday loans no credit check[/url]
payday loans no credit check
payday loans


Eugeneadape Commented on December 21, 2017

cialis online cheap
cheap cialis
buy cialis online eu
[url=http://naqsehuki.com/#]buy cialis[/url]
cialis pills toronto


StephenVag Commented on December 23, 2017

where to buy levitra online
levitra generic
can you buy levitra walmart
[url=http://levitradbws.com/#]levitra generic[/url]
buy levitra toronto
vardenafil
buy levitra next day delivery
[url=http://vardenafilghns.com/#]levitra[/url]
buy levitra cialis


EbonyAmold Commented on December 23, 2017

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


Shannonsausa Commented on December 23, 2017

cheapest place to buy levitra
levitra 20 mg
buy levitra online usa
[url=http://levitradbws.com/#]levitra 20 mg[/url]
cheap levitra in canada
levitra
buy levitra online canada
[url=http://vardenafilghns.com/#]vardenafil[/url]
levitra buy in uk


BruceSwesk Commented on December 23, 2017

buy levitra thailand
levitra
buy levitra generic
[url=http://levitradbws.com/#]levitra 20 mg[/url]
order levitra online no prescription
vardenafil
buy levitra philippines
[url=http://vardenafilghns.com/#]levitra[/url]
buy brand levitra


Raymondwrero Commented on December 24, 2017

cutting cialis pills
cialis generic
where to buy cheap cialis online
[url=http://cialisyrudgj.com/#]cialis generic[/url]
buy cialis online cheapest
cialis prices
buy levitra cialis
[url=http://cialisuitykh.com/#]cialis prices[/url]
good place buy cialis


Grantvoria Commented on December 25, 2017

gag viagra pills
viagra online
book viagra salesman
[url=http://viagratutrjdsd.com/#]viagra online[/url]
cheap viagra uk no prescription
viagra online pharmacy
do i have to go to a doctor to get viagra
[url=http://viagraeyefbdj.com/#]generic viagra online[/url]
is there a yellow viagra pill


Bruceaxoge Commented on December 25, 2017

is it legal to sell viagra online
buy viagra online
get viagra sydney
[url=http://viagratutrjdsd.com/#]buy viagra online[/url]
reputable online pharmacies viagra
online viagra
does generic viagra work the same as the real stuff
[url=http://viagraeyefbdj.com/#]cheap viagra online[/url]
purchase viagra online canada


MichaelexCar Commented on December 26, 2017

legale comprare viagra online
viagra online pharmacy
buy viagra with paypal uk
[url=http://viagratutrjdsd.com/#]buy viagra online[/url]
sildenafil 50 mg 4x4
online viagra
can you buy viagra from shoppers drug mart
[url=http://viagraeyefbdj.com/#]viagra online pharmacy[/url]
prospecto viagra 50 mg


Igorilob Commented on December 26, 2017

cialis generique escompte

[url=http://cialisjqp.com/]cialis online[/url]

cialis cheapcialis generico migliore

[url=http://cialisnji.com/]generic cialis[/url]

buy cialis onlinepayday loans in north miami

[url=http://soloadvance.com/] payday loans online[/url]

pay day loans


ThomasSex Commented on December 27, 2017

cialis wholesale canada
cialis prices
buy cialis online from uk
[url=http://cialisietwdffjj.com/#]cialis price[/url]
buy cialis taiwan
cialis price
cialis sale australia
[url=http://cialisytigjtuj.com/#]cialis price[/url]
buy cialis by paypal


WilliamEngah Commented on December 27, 2017

good place buy cialis
best price cialis
non generic cialis sale
[url=http://cialisietwdffjj.com/#]cialis best price[/url]
buy cialis uk suppliers
cialis cheap
generic cialis cheapest price
[url=http://cialisytigjtuj.com/#]cheap cialis[/url]
cialis cheap no prescription


EdwardJug Commented on December 28, 2017

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


Austinton Commented on December 28, 2017

there over counter pill like viagra
viagra without a doctor prescription online
female viagra to buy
[url=http://viagrarutjdfk.com/#]viagra without presciption online[/url]
viagra generico vende sem receita
viagra prices
should i take a whole viagra pill
[url=http://viagrajretnfc.com/#]viagra cheap[/url]
acquistare viagra online consigli


JoshuaVut Commented on December 28, 2017

facts about viagra pills
viagra without presciption online
vicodin viagra together
[url=http://viagrarutjdfk.com/#]viagra without a doctor prescription online[/url]
buying viagra online canada legal
viagra cost
viagra online europa
[url=http://viagrajretnfc.com/#]viagra cost[/url]
buy viagra over the counter in the uk


CordieFum Commented on December 28, 2017

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


Igorilob Commented on December 28, 2017

lowest prices cialis

[url=http://cialisjqp.com/]cialis[/url]

generic cialiscialis generico bugiardino

[url=http://cialisnji.com/]cialis[/url]

cialis cheappayday loans catoosa

[url=http://soloadvance.com/] pay day loans[/url]

pay day loans


Michaeliropy Commented on December 28, 2017

cheapest viagra canadian
viagra without a doctor prescription
generico viagra ou cialis
[url=http://viagrarutjdfk.com/#]viagra without a prescription[/url]
where is it safe to buy viagra
viagra price
viagra canada online pharmacy
[url=http://viagrajretnfc.com/#]viagra prices[/url]
viagra china cheap


SarahDrags Commented on December 28, 2017

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


StevePlora Commented on December 29, 2017

cheap viagra paypal payment
viagra without presciption online
viagra online for real
[url=http://viagrarutjdfk.com/#]viagra without prescription[/url]
generic viagra online with mastercard
viagra prices
unterschied zwischen viagra original viagra generika
[url=http://viagrajretnfc.com/#]viagra cost[/url]
se puede comprar viagra en una farmacia


WilliamRovof Commented on December 30, 2017

online casino real money nj
casino real money
download casino island
[url=http://online-casino.party/#]online casinos[/url]
gambling site rating


BarbaraRep Commented on December 31, 2017

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


Paulineled Commented on January 1, 2018

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


JamesHet Commented on January 2, 2018

online casinos in new jersey
casino
download onbling casino
[url=http://online-casino.party/#]casino[/url]
online casinos for mac in australia


JosephEvano Commented on January 3, 2018

top bonus casinos
casino
usa online casinos accepting paypal
[url=http://online-casino.party/#]casino real money[/url]
online gambling australia real money


Igorilob Commented on January 4, 2018

cialis 5mg online kaufen

[url=http://cialisjqp.com/]cialis cheap[/url]

cialis cheapventa cialis valenci

[url=http://cialisnji.com/]cialis online[/url]

cialiscash loan huntsville al

[url=http://soloadvance.com/]payday loans[/url]

cash advance


Aprilwrobe Commented on January 6, 2018

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


Igorilob Commented on January 9, 2018

cialis soft meilleur prix

[url=http://cialisjqp.com/]cialis online[/url]

cialis cheapside cialis effects

[url=http://cialisnji.com/]cialis[/url]

cialis onlinebest in Ill cash advance

[url=http://soloadvance.com/] personal loans[/url]

payday loans


Georgewrirm Commented on January 10, 2018

autocad architecture download
autocad lt
vba for autocad 2017 download
[url=http://autocadtymafq.com/#]autocad download[/url]
autocad 2017 download
autocad
price of autocad software
[url=http://autocadbnaqk.com/#]autocad[/url]
bicicleta 3d autocad


BrianFak Commented on January 11, 2018

autocad 2011 update download
autocad student
autocad 2013 serial number
[url=http://autocadtymafq.com/#]autocad lt[/url]
autocad mechanical drawings download
autocad 2018
autocad architecture 2012 student version
[url=http://autocadbnaqk.com/#]autocad 2018[/url]
autocad lt coupon code


LesterBet Commented on January 11, 2018

download hatch patterns for autocad 2011
autocad viewer
curso online autocad
[url=http://autocadtymafq.com/#]autocad viewer[/url]
autocad revit for sale
autocad 2018
autocad lt 97 upgrade
[url=http://autocadbnaqk.com/#]autocad 2018[/url]
buy autodesk autocad 2017


DebraCrank Commented on January 12, 2018

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


Hazelcam Commented on January 13, 2018

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


WilliamLor Commented on January 14, 2018

donde comprar viagra online foro
order viagra online
canada viagra online cheap
[url=http://viagrayityjg.com/#]order viagra online[/url]
viagra cialis generico
viagra prices
buy viagra ebay
[url=http://viagramhkdyl.com/#]viagra prices[/url]
best online for viagra


Charlestix Commented on January 14, 2018

donde puedo comprar sildenafil en bogota
online viagra
comprar viagra online em portugal
[url=http://viagrayityjg.com/#]online viagra[/url]
precio de viagra 50 mg
viagra prices
can you get viagra boots
[url=http://viagramhkdyl.com/#]cheap viagra[/url]
sildenafil 25 mg o 50 mg


Brianmaf Commented on January 16, 2018

hard sell the evolution of a viagra salesman scritto da jamie reidy
viagra without a doctor prescription
buy viagra boots
[url=http://viagrayirib.com/#]viagra without script[/url]
acquistare viagra generico line
viagra coupon
buying viagra online real
[url=http://viagrahkfy.com/#]viagra[/url]
buy viagra asda


Thomasexody Commented on January 17, 2018

venta de viagra online en argentina
viagra without a prescription
viagra where to buy in ireland
[url=http://viagrayirib.com/#]viagra without doctor[/url]
lawyers take viagra they get taller
viagra coupons
buy viagra over counter ireland
[url=http://viagrahkfy.com/#]viagra coupon[/url]
cheap uk viagra online


RobertAriny Commented on January 18, 2018

autocad mechanical 2011 download
autodesk student
autocad 2017 student download mac
[url=http://autodeskoutyk.com/#]autodesk inventor[/url]
autodesk autocad lt 2013 download
autocad download
autocad 2017 electrical download
[url=http://autocadmnfheru.com/#]autocad download[/url]
download autocad for mac


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 ... 110 Posts In The Same Category










This page was last rebuilt at January 18, 2018 10:18 AM PST. (433 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)