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)



 

What A Year of 0% APR Arbitrage Has Brought Me

Contributed by mm | October 17, 2007 8:21 PM PST

Long-term readers of PFBlog knows I have been taking advantage of credit card companies for years. Especially, I'm very good at 0% APR arbitrage, whereby I sign up for new credit cards with attached introductory 0% APR balance transfer offer, move the entire balance immediately to my bank account, and enjoy the high saving account rates of 5% or more while remitting only the monthly minimal payment back to the credit card company.

Of course, this strategy will drag down your credit score. Last summer, especially, I applied five cards in two months' time, and my credit score tanked from 720s to 640s, and I was essentially denied new credit application after being seen a credit risk by most banks. But credit score is only of cosmetic value if you don't need credit any time soon. To me, after all, I have no better use of my credit score now that I'm sitting on a portfolio of over $800k and has no plan to buy a property any time soon.

The below chart is a great summary of what happened in the last dozen months:

creditscorehistory.jpg

So what did I get from a full year worth of arbitraging activities?

First, over $3,000 in hard, cold cash. I keep an average balance of $45,000 during the timeframe, and the difference between 5% APR interest received from online savings accounts and zero interest paid to the credit card companies means a net $2,250 additional income. Plus, I also made another quick $1,100 by showing good payment habits to Citibank.

Second, over 30 points of credit score improvement. now that I have brought my credit balance to where it started (~$22,000), my credit score is even better than it was one year ago. Why? Credit score calculation takes into account the average age of one's credit accounts, and recent credit inquiry history. After a year's seasoning, my outstanding accounts are growing beard, which helps my creditworthiness.

So it should be no surprise that armed with a 759 credit score, I'm coming back with more credit card applications. In the last few days, I have been granted over $20,000 credit line by applying to these credit cards. Good beginning for the next round of David vs. Goliath!

• $8,000 from Citi® Home Rebate Platinum Select® MasterCard® (0% APR on balance transfer for 12 months, and no balance transfer fee)

• $7,000 from Citi® Professional(SM) Cash Card (0% APR on balance trasnfer for 12 months, and no balance transfer fee)

• $6,500 from Chase-issued Disney Rewards® Visa® Card (0% APR on balance transfer and purchase for 12 months, and balance transfer fee capped at $50)

If you are in the same camp, take advantage of those offers when you still can! Given how the credit market squeeze is playing out, less and less offers will be on the table.

This Post Has Received 176 Comments. Share Your Opinions Too.


John Commented on October 18, 2007

Great graph! This is what people wonder, of course. My high watermark is $85k mostly due to some enormous grants near the end of the growth cycle, like one was thirty grand, wtf? What the hell are they thinking with offerings like that? Freaking hilarious that you came out with a higher FICO. I hate how everyone's talking fees now. Just not the same.


The Dividend Guy Commented on October 18, 2007

This is really amazing how you do this. I have been looking for opportunities like this in Canada but can't seem to find them. If anyone knows let me know...


Creative Investor Commented on October 19, 2007

MM: I don't really understand how you suddenly get these huge credit card balances, going from 25k to 60k in a few months, do you go on crazy shopping binges? :)


MM Commented on October 20, 2007

Creative Investor, by getting a few new cards and doing balance transfer to my credit union's card ... I can transfer excess balance from my credit union's credit card to my checking account free of charge.


Creative Investor Commented on October 22, 2007

MM: Thanks for the response. The numbers are still mind-boggling to me :) But I commend you on making money from this. By the way, I think it's been a while since you talked about your Prosper.com activity, has anything improved on that front? I was disappointed to hear from you and a few other sources about high defaults rates and lack of the secondary markets for loans.


payday advance Commented on October 22, 2007

Oh My God, that is a big credit and you are really a hard worker, that is how a person can repay that.


payday advance Commented on October 22, 2007

Oh My God, that is a big credit and you are really a hard worker, that is how a person can repay that.


ted Commented on October 23, 2007

I've just started doing that with credit cards. It's a bit nervewracking at first, but the "free" money you can make is really amazing.


matal Commented on October 24, 2007

ted - How do you get around the balance transfer fee (typically 3% of balance transfer)? MM does it via his credit union card - how do you?


DoubleD Commented on October 24, 2007

MM, I have been flowing your blog for more than a year now, Love all the posting,

I have the same question as Matel, I am not clear about how you get around the 3%-5% balance transfer fees, I am also getting many balance transfer offers for 0%, and I have no balances in my CC, so how do you start doing this?

DoubleD


ADD 200 POINTS to your Credit Score Commented on October 25, 2007

That's a huge drop! Don't make the mistake of thinking of credit being for cosmetic purposes only - auto insurance companies are now looking at your credit to determine rates etc


Jeffrey Commented on October 26, 2007

DoubleD - A lot of the cards have a "max fee" of $50-$75, which is how you get around the 3-5% terms.

If you're really interested in credit arbitrage, you should check out www.mycreditstrategy.com

They have all the answers to those kind of questions in the FAQ section.


Bharani Commented on October 29, 2007

How do you get your credit score? Have you signed-up for a yearly service? All places charge to get a credit score? Isn't it?


Juan22 Commented on October 29, 2007

That is a great graph. I wish I was in that boat with you.


DoubleD Commented on October 29, 2007

If you have a Credit card with WaMu you get your Credit score fro free from TransUnion, I use to have a CC from Provedian and they got bough by WaMu and WaMu is offering this service.


Money Blue Book Commented on October 29, 2007

Hey I really like the graph of yours. Do you use a chart program?

I'm trying to get into the App-O-rama myself...sort of bummed that interest rates have dropped and will probably drop further. It's going to cut into my potential savings interest earned.
-Raymond


kiasuchick Commented on October 29, 2007

Thanks for sharing your data.

I have $200k from 0% cards at this point in time.

My score went from 796 to 643 with $164k debt. Now after 5 months I'm up to 762 with around $145k.

Very sad the Fed are lowering interest rates.


Myself Commented on October 31, 2007

Way to go MM! (:thumbsup:)

For the posters wondering how to avoid the fees, that is typical of new credit lines.


I've done some of the same (only I didn't track it like MM did. I believe I made about $4,200 over the past 2 years doing what MM did with already existing cards (and paying the maximum balance transfer fees).

We recently bought an investment property (at a significant savings ... meaning we paid less than half of what it appraised for). And as a result, my credit score has gone down to the 640 range for the first time in over 5 years! :(
However our net worth has grown by more than $80,000 due to this transaction (and borrowing all the money to purchase and completely rehab the place).


Credit guru Commented on October 31, 2007

I have been reading your blog for a while now. As far as 0% goes, I think I have done slightly better. How about $175,000 for last seven years with MBNA (now Bank of America) at 0-1.9% APR. Between me and my wife, we have 11 Bank of America cards (some were MBNA that got converted to B of A). I call ech one of them individually (up to their retention department) and get between 0-1.9% for 6 to 12 months (success rate is about 25%). Once they offer a nice B/T APR, I then have them move most of my credit limit to that one card. That means now I have one card with over 100,000 limit with 0-1.99% B/T APR and other ten with $500 credit limit. Last year I made over 10K in high yield accounts. Hope this post helps. There are plenty of other tricks that I can share (however, card companies are also getting smarter :)


Myself Commented on November 1, 2007

CreditGuru,
So how do you get it above a certain amount. They won't raise our CC limit above $34,000 (well, OK I only asked for $1,000 more about 6 months prior to having it raised by $2,500). I guess time may tell.
I'll have to try it again this month. Although they may not do it because they just lent me $40k on an investment property :)


Russ A Commented on November 5, 2007

Excellent work with the balance accruals! I wish I had the diligence to replicate your work.

For your readers though, just be careful of the taxes you'll be hit with come April. That's probably the only pain with the higher-interest savings accounts ;)


Rebate Processing Commented on April 15, 2008

I saw that you ended up with an even higher credit score than when you started! That is great, the icing on the cake.

Plus, you got over $3000 to do it!!


Brettlix Commented on September 14, 2017

colchicine gout buy bupropion sr read this


AlfredCaf Commented on September 14, 2017

erythromycin purchase cialis viagra online


Brettlix Commented on September 15, 2017

homepage here Buy Colchicine Indocin Sale


MichaelNub Commented on September 15, 2017

effexor Generic Cymbalta cephalexin 250 mg


AlfredCaf Commented on September 15, 2017

lisinopril buy bupropion without script cymbalta prices


Bennyanymn Commented on September 15, 2017

cilais cialis pills online cymbalta visa


MichaelNub Commented on September 15, 2017

levitra elocon wellbutrin sr kamagra


MichaelNub Commented on September 16, 2017

doxycycline crestor citalopram 20mg


KennethCed Commented on September 16, 2017

buy cipro order effexor


MichaelNub Commented on September 24, 2017

quetiapine and children prozac and tiredness volume pills for sale acyclovir cold soar


MichaelNub Commented on September 25, 2017

female viagra birth control promethazine for cough cheapest tetracycline what is the cost for synthroid slimex n


Bennyanymn Commented on October 11, 2017

generic cymbalta price of cymbalta 60 mg http://genericcymbalta.shop


AaronSit Commented on October 13, 2017

wh0cd3863692 buy yasmin buy yasmin online http://buy-yasmin.store look at this buy tadalis sx http://buytadalissx.store buy prednisone without prescription where can i buy prednisone without prescription http://buy-prednisone.shop phenergan phenergan http://buyphenergan.store stromectol no rx stromectol no rx http://stromectol2017.us.com


AntioneScera Commented on December 5, 2017

buy viagra uk tesco
erectile dysfunction medications
viagra to go generic
ed drugs
sildenafil with 30mg of dapoxetine


RolandBoawl Commented on December 6, 2017

get viagra prescription singapore
erection pills
get a prescription online for viagra
ed drugs
compra viagra online in italia


Tysonjen Commented on December 7, 2017

buying cialis in peru
cialis rezeptfrei
is it illegal to order cialis online
cialis without a doctor prescription
cheap-cialis-e.com


ArmandoSIT Commented on December 7, 2017

can women use viagra tablet
viagra pills
lil wayne get right back up like viagra
viagra pills
do need prescription buy viagra online


DeweyDrere Commented on December 8, 2017

viagra pills online australia
buy viagra online
viagra buyer usa
buy viagra
cheapest viagra and cialis


Claytonlaugs Commented on December 9, 2017

buycialis.it
cheap cialis
buy cialis daily dose
cialis online
how do i buy cialis


Scottskymn Commented on December 10, 2017

can get viagra free
cost of viagra
date viagra goes generic
viagra prices
generic viagra en amazon.com


LouisOxync Commented on December 10, 2017

donde sale viagra
viagra prices
is viagra available in generic form
how much viagra does cost
prices viagra cialis levitra


Clarkjoype Commented on December 11, 2017

canadian pharmacy online
canadian pharmacies shipping to usa
List of Safe Online Pharmacies
canadian pharmacies
pharmacy direct


JeffreyNER Commented on December 11, 2017

pharmacy direct
canadian pharmacies online
online pharmacies in usa
canadian pharmacies online
online pharmacy without scripts


Andrewblumb Commented on December 12, 2017

order cheapest viagra
viagra without prescription
cheapest sildenafil citrate online
viagra no prescription
price compare viagra cialis levitra


RichardFab Commented on December 12, 2017

buy online viagra in the uk
viagra no script
can i buy viagra over the counter in ireland
viagra without prescription
sildenafil generico precio


KatrinaFab Commented on December 13, 2017

payday loan online
online loans
payday loans no credit check
cash advance


Larrytup Commented on December 13, 2017

current price of viagra in india
viagra without a doctor prescription
viagra sildenafil citrate 50 100 mg
viagra no prescription
viagra price per pill walgreens


Andrewblumb Commented on December 13, 2017

25mg viagra dosage
viagra no prescription
viagra online me uk
viagra without prescription
is buying generic viagra illegal


WillieUsalm Commented on December 13, 2017

buying viagra in canada online
viagra without a doctor prescription
one viagra pill
viagra without prescription
viagra where to buy canada
viagra ohne rezept aus deutschland
hard sell the evolution of a viagra salesman
viagra no script
can i get viagra at cvs


ThomastaB Commented on December 13, 2017

buy viagra online no rx
viagra without prescription
order brand name viagra online
viagra without a doctor prescription
what do you tell the doctor to get viagra
viagra without a doctor prescription
where can i get free sample of viagra
viagra no script
where to buy viagra in perth


KatrinaFab Commented on December 14, 2017

payday loan online
online loans
cash loans
online loans


Russellreume Commented on December 15, 2017

i took 100mg of viagra
viagra without a doctor prescription
cheapest prices for viagra
viagra without a doctor prescription
have you used generic viagra
viagra no script
can buy viagra uk
viagra without a doctor prescription
generic viagra 50mg online


StevenBup Commented on December 15, 2017

efectos de sildenafil 50 mg
viagra without a doctor prescription
libro de jamie reidy hard sell the evolution of a viagra salesman
viagra without a doctor prescription
get viagra doctor
viagra no script
can i buy viagra over the counter in uk
viagra no script
the female viagra pill


Michaelmaf Commented on December 15, 2017

best online site viagra
viagra without a doctor prescription
comprar viagra en argentina online
viagra without prescription
cheap viagra london
viagra ohne rezept aus deutschland
we can buy viagra india
viagra ohne rezept aus deutschland
viagra dapoxetine sale


Rosettaknops Commented on December 16, 2017

payday loans online
payday loans online
payday loans online
payday loans


GeorgeBeexy Commented on December 16, 2017

online order viagra
viagra without prescription
generic viagra free
viagra without a doctor prescription
indian generic for viagra
viagra no prescription
can viagra become generic
viagra ohne rezept aus deutschland
viagra levitra prices


JohnnyHoine Commented on December 18, 2017

what is the use of sildenafil citrate tablets
viagra prices
where did viagra get its name
viagra cheap
cialis viagra together


Coreycip Commented on December 19, 2017

buy viagra similar
viagra prices
generic viagra details
viagra prices
viagra tablets uk


DavidAtown Commented on December 20, 2017

cialis liquid for sale
buy cialis
buy cialis legally online
order cialis online
buy female cialis


Michaelanoxy Commented on December 21, 2017

buy cialis from usa
cheap cialis
how to cut cialis pills
cheap cialis
cheap cialis in uk


Georgemuh Commented on December 21, 2017

cheapest cialis 20mg
buy cialis
buy cialis egypt
buy cialis online
cheap soft cialis


Faithbuine Commented on December 22, 2017

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


Delenaacups Commented on December 22, 2017

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


CarolynmiG Commented on December 23, 2017

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


Randyneels Commented on December 24, 2017

buy cialis money order
buy generic cialis
acheter cialis discount
buy generic cialis online
phone number to order cialis
cheap cialis
buy generic cialis uk
cheap cialis
buy cialis brand


Jerrysmody Commented on December 24, 2017

buy cialis united states
cialis generic
small order cialis
buy generic cialis
can you buy cialis uk
cheap cialis
cialis discount program
cheap cialis
do cialis pills look like


NormaFaw Commented on December 24, 2017

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


Douglasjesee Commented on December 25, 2017

cialis rush order
cialis generic
cialis film coated tablets tadalafil
buy generic cialis
cialis canada mail order
cheap cialis
discount canadian pharmacy cialis
cheap cialis
cheap daily cialis


Grantvoria Commented on December 25, 2017

can i buy viagra in the uk
buy viagra
uso de viagra 100mg
viagra online
viagra will generic
viagra online
online viagra is it real
generic viagra online
cialis viagra price comparison


ThomasSex Commented on December 27, 2017

buy cheap generic cialis
best price cialis
cialis generique discount
cialis price
brand name cialis for sale
cheap cialis
buy cialis for cheap from us pharmacy
cialis prices
cialis online cheapest


CordieFum Commented on December 27, 2017

casino games
real money casino
п»їcasino online
online casino


Myrnareild Commented on December 29, 2017

casino online
real money casino
online casino
casino online


AlexaLed Commented on December 29, 2017

free casino games
casino online
online casino
casino online


Paulineled Commented on December 30, 2017

casino games
casino online
casino games
real money casino


Teresajew Commented on December 31, 2017

online casino
casino online
online casino
casino online


RichardSpork Commented on January 2, 2018

real vegas online slots
casino online
online roulette gambling usa
casino online
card games real money


Judithcruip Commented on January 6, 2018

casino free games
casino games online
online casinos
slotomania free slots


KerryDyese Commented on January 8, 2018

freeslots
free slots online
slots for free
free slots online


BrianFak Commented on January 10, 2018

vegetation autocad
autocad
autocad educational version download
autocad student
read autocad files online
auto cad
product key autocad 2011
autocad
autocad 2011 pdf download


GregoryAlodo Commented on January 14, 2018

sildenafil medana 100 mg tabletki powlekane 4 szt
viagra online
150 mg de sildenafil
online viagra
what does it take to get a viagra prescription
best price viagra
generic viagra is it the same
viagra prices
serve remedio pramil sildenafil 50mg


JamesDraig Commented on January 16, 2018

viagra generico como tomar
viagra without a doctor prescription
movie with viagra salesman
viagra without doctor
viagra pillen voor vrouwen
viagra
buy sildenafil tadalafil vardenafil
viagra coupons
how much is one viagra pill worth


Melvinbib Commented on January 18, 2018

download autocad 2017 software
autodesk inventor
autocad file management software
autodesk 360
product key autocad 2012
autocad
autocad student download mac
auto cad
autodesk autocad 2011 serial number product key


Melvinbib Commented on January 18, 2018

autocad 2000 serial
autodesk maya
descargar visor de autocad 2017 gratis
autodesk revit
autocad mac student 2014
download autodesk autocad
autocad 2011 full 64 bit
autocad download
autocad 3d map download


RoberttoT Commented on January 19, 2018

autocad linetypes download
autodesk maya
cost of autocad 2013 software in india
autodesk inventor
autocad design suite premium 2017 serial
download autodesk autocad
autocad 2011 architecture download
auto cad
autocad shop drawing


Davidpet Commented on January 19, 2018

rabbit software autocad
autodesk inventor
autocad 12 64 bit download
autodesk 360
serial do autocad 2011
autocad download
download autocad 2000 full version
download autodesk autocad
software gratis autocad


Marcusetela Commented on January 20, 2018

cheap legitimate cialis
online cialis
cialis c20 pills
cialis prices
where to order cialis
cialis generic
cialis online cheap
generic cialis at walmart
canadian cialis sale


ScottCiz Commented on January 21, 2018

generic cialis cheap online
buy cialis online
buy cialis thailand
online cialis
buying cialis in london
tadalafil generic
buy cialis online canadian pharmacy
tadalafil generic
discount generic cialis 20mg


Jeffreygom Commented on January 21, 2018

cialis to buy us
buy cialis
cheapest canadian pharmacy for cialis
cheap cialis
buy cialis mississauga
generic cialis tadalafil
best place to order generic cialis
generic cialis at walmart
cheapest cialis generic


DanielGuene Commented on January 22, 2018

canada levitra buy online
levitra online
levitra professional pills
levitra
discount coupons for levitra
vardenafil 20mg
buy levitra bayer
vardenafil 20 mg
cheapest levitra/uk


PatrickUtink Commented on January 25, 2018

where i can buy viagra in the philippines
viagra without prescription
100mg viagra cut in half
viagra without a doctor prescription
sildenafil oral jelly 100mg
viagra prices
who can get viagra on prescription
viagra online
viagra and levitra together


HaroldFag Commented on January 26, 2018

buy cialis mississauga
cialis coupons
cialis sale sydney
cialis coupons 2018
cialis pills online
cialis without doctor
how to buy cialis over the counter
cialis without a doctor prescription
cialis sale au


Tyronebeile Commented on January 31, 2018

what do generic viagra pills look like
viagra without doctor
how to buy real viagra online
viagra without a doctor prescription
50 vs 100 mg viagra
buy generic viagra
sildenafil viagra 50mg
generic viagra
50 mg viagra how long does it last


JosephRoafe Commented on January 31, 2018

50 mg viagra doesnt work
viagra without a doctor prescription
price of viagra in bangladesh
viagra without doctor
4 tab . sildenafil citrate 100mg
generic viagra online
viagra online deutschland bestellen
buy generic viagra
can i order viagra online in canada


TysonDen Commented on January 31, 2018

viagra cost per pill costco
viagra without prescription
viagra in malaysia where to get
viagra without a doctor prescription
what is the cost of viagra per pill
generic viagra 100mg
viagra how to get
generic viagra online
sildenafil 50 mg comentarios


Laurablulp Commented on February 1, 2018

weight loss prescription drugs
weight loss tablets
weight loss tablets
weight loss medications prescription


Marvintom Commented on February 1, 2018

order generic cialis india
buy cialis online
ambien cialis eteamz.active.com generic link order
buy cialis online
order cialis in uk
cialis generic
cheap cialis china
generic cialis at walmart
buy cialis canada no prescription


Isabelres Commented on February 2, 2018

top diet pills
supplements for weight loss
weight loss injections
best appetite suppressant


Walterlem Commented on February 2, 2018

cialis cheap paypal
cialis generico online
buy generic cialis online no prescription
cialis online
buycialis.eu
tadalafil generic
how to buy cialis
cialis generic
order cialis online safe


Clydesturb Commented on February 2, 2018

buy cialis ebay
buy cialis online
buy cialis online generic
cialis generico online
cialis cheap buy
generic cialis
cialis uk cheap
generic cialis tadalafil
cheapest cialis pharmacy comparison


WilliamFaxia Commented on February 3, 2018

cheap viagra or cialis
cialis generic
cheapest way to buy cialis
generic cialis
order generic cialis india
cialis online
cheapest canadian pharmacy cialis
cialis cialis prices
viagra cialis pills


MichaelSweeP Commented on February 3, 2018

buy cialis online generic
generic cialis
how to buy cialis in japan
generic cialis at walmart
buy cialis cheap us pharmacy
cialis cialis prices
cialis viagra levitra sale
buy cialis online
cialis buy uk online


JimmieHon Commented on February 4, 2018

use of cialis pills
cialis generic
cialis sale montreal
generic cialis
buy generic cialis online canada
buy cialis online
cheap viagra or cialis online
buy cialis online
liquid cialis for sale


BrianFrure Commented on February 4, 2018

can cialis pills cut half
generic cialis at walmart
cialis c20 pill
tadalafil generic
cialis pills men
buy cialis online
buy generic cialis paypal
cialis generico online
can i buy cialis in usa


Tylerneugs Commented on February 5, 2018

canadian pharmacies
online pharmacy
canadian pharmacy viagra
canadian pharmacies online
canadian pharmacies
online pharmacies canada
Canadian Pharmacy
online pharmacies canada
northwestpharmacy


Arnoldset Commented on February 5, 2018

buy medication without an rx
canada pharmacy
online pharmacies
northwest pharmacy canada
Top Rated Online Canadian Pharmacies
approved canadian online pharmacies
real canadian superstore flyer
online pharmacies canada
canadian pharmacies


Matthewclene Commented on February 7, 2018

can viagra and dapoxetine be taken together
viagra generic
cheap viagra us
viagra generic
getting the most out of viagra
viagra pills
buy herbal viagra
viagra without a doctor prescription walmart
viagra 100mg 8x


CharlesUrbab Commented on February 8, 2018

sildenafil 50 mg masticable
viagra without a doctor prescription usa
viagra online deutschland
viagra pills
sildenafil 100 mg sandoz
viagra generic
where to get viagra in melbourne
viagra generic
forum generic viagra


BryantDag Commented on February 8, 2018

cheap cialis with no prescription
cialis generic availability
buy cialis online mastercard
generic for cialis
buy cialis without rx
cialis coupons printable
cialis online cheapest
coupon for cialis
how to buy cialis online


DavidZep Commented on February 8, 2018

slot machine games for android phones
internet casino links
online casinos that accept australian players
top rated online casino canada
card casino credit deposit
online roulette holland casino
onbling casino for mac
double bet roulette
online gambling in new jersey
casino online
virtual fusion bingo sites
casino online
cash keno online


Josephvok Commented on February 9, 2018

uk online casinos
roulette free
new online slot casinos
roulette game
live keno online
casino online
play roulette online real money canada
hypercasinos
william hill casino us players
slot games
cleopatra slot machine app for android
best online slots
video poker gambling


TerrySeink Commented on February 9, 2018

order cialis on internet
tadalafil generic
cialis tablets for sale australia
generic cialis at walmart
buy cheap cialis from india
cialis coupon
cialis break pills
buy cialis online
where can i buy cialis soft tabs


EdwinHIB Commented on February 10, 2018

get viagra pills
buy sildenafil online
kamagra 100mg oral jelly sildenafil ajanta
sildenafil
buy viagra at boots chemist
buy generic viagra
viagra falso e nocivo venduto online
generic for viagra
erfahrungsberichte viagra 100mg


Stevennox Commented on February 10, 2018

how to beat online casino blackjack
online roulette
online bingo canada paypal
online roulette
best online casinos us players
hypercasinos
safe us online casino
hypercasinos
best casino gambling online
online slots
online casino paypal ohne download
casino slots
play online casino royale games


RonaldEmbed Commented on February 11, 2018

autocad 2017 code activation
autocad software
visor de autocad en linea
autocad download
download tai lieu autocad 2011 mien phi
autocad gratis
autocad map download
autocad 2007
autocad design suite standard 2017 download
acad
autocad plus minus code
autodesk student download
download giao trinh autocad
autocad 2016
download software autocad 2011 full version
autodesk student
autocad lt 2011 full version
autocad mechanical
articles on autocad
autocad inventor
download autocad 2011 for mac
autodesk student download
cad software similar to autocad
acad
autocad 2000 serial


HectorBof Commented on February 11, 2018

autocad architecture for mac student
download autocad
autocad 2012 product serial number
autocad studentenversion
autocad 14 serial number cd key
autocad 2018
descargar autocad 2013
autocad 2007
autocad lt mac price
autocad 2017 download
autodesk autocad electrical 2011 download
autocad 2018
autocad 2017 activation code 32 bit
autocad lt
vegetacion autocad gratis
autocad gratuit
autocad descargar 2017
autocad inventor
discount autocad lt
autocad 2017
serial autocad 2017
autocad gratis
autocad 12 64 bit download
autocad software
autocad civil 2011 download


MarvinHix Commented on February 12, 2018

microsoft sign in
windows 8
upgrade to windows 10
windows 10 upgrade
office365


WilliamMappy Commented on February 13, 2018

windows photo gallery
windows 10 download
microsoft excel
windows live
microsoft visio


Billytrate Commented on February 13, 2018

itunes for windows
windows updates
windows live sign in
windows 10 store
where's my printer in windows 10 mobile


HowardPaype Commented on February 13, 2018

is it legal to buy cialis online in canada
cialis coupon
cheap viagra cialis
cialis coupon
cheap cialis tablets
cialis generic
cheap cialis from india
generic cialis price
buy cialis in uk


Ronaldnarge Commented on February 14, 2018

microsoft windows 10
windows 10 download
hardware troubleshooter
win 10
stegbar windows


JesusGenda Commented on February 15, 2018

generic viagra en amazon.com
viagra without prescription
when will generic viagra be available in canada
viagra without a doctor prescription
where can i buy viagra in amsterdam
cheap viagra
viagra tablets for men price in india
viagra tablets
pill better viagra cialis levitra


JoshuaStync Commented on February 15, 2018

cheap viagra in sydney
viagra without prescription
buying viagra london
viagra no prec
generic viagra kamagra
viagra coupon
viagra dosis 25 mg
viagra online
viagra generico intercambiable


RogerNor Commented on February 15, 2018

microsoft office login
windows 8
windows movie maker download
upgrade to windows 10
reinstall windows 10


Albertovioky Commented on February 16, 2018

buy sildenafil online uk
viagra without a prescription
how to get a viagra sample
viagra without a prescription
get insurance pay viagra
viagra pills
can viagra go generic
viagra cheap
sample viagra pills


Stephendub Commented on February 19, 2018

install microsoft word for free
microsoft store
microsoft company store
office 2013
ms store


KevinClemn Commented on February 19, 2018

buy generic cialis in usa
cheap cialis
cheapest real cialis
buy cialis online
how to buy cialis over the counter
cialis coupon
buy cialis uk
cialis coupons
cheap cialis uk online


DavidBax Commented on February 22, 2018

getting hard without viagra
viagra online
can buy viagra paypal
cheap viagra
generic viagra made
buy generic viagra
get viagra australia
generic viagra
esiste il farmaco generico del viagra


Jeffreytraum Commented on February 22, 2018

is generic viagra the same as brand
buy viagra online
viagra script online
viagra price
legal buy viagra craigslist
buy generic viagra online
buy viagra online with debit card
buy generic viagra online
can i buy viagra over the counter in turkey


PeterNuawl Commented on February 22, 2018

cialis c20 pills
cheap generic cialis
buy cialis no rx
buy generic cialis
can you cut cialis pills in half
cialis prices
cheap cialis viagra
cheap cialis
acheter cialis discount


Jimmieliaip Commented on February 23, 2018

microsoft store locations
microsoft office 2016
www.microsoft.com login
microsoft office 365
buy microsoft word


JamesBum Commented on February 23, 2018

ok split cialis pills
buy generic cialis
how to buy cialis in uk
buy generic cialis online
buy cialis online without rx
best price for cialis
buy cialis vietnam
cialis price
cialis discount code


WilliamGam Commented on February 24, 2018

microsoft office 2016
microsoft office 2010
microsoft office 365 sign in
microsoft online
descargar word


MatthewCella Commented on February 25, 2018

onde comprar generico viagra portugal
viagra without doctor
sildenafil generic mexico
viagra
pill cutter viagra
viagra online
buy viagra in sri lanka
viagra prices
shop viagra online


RichardDom Commented on February 25, 2018

best pharmacy to buy cialis
generic cialis tadalafil
cialis china cheap
generic cialis
buy cialis online canada
fncialisokgh.com
cialis pills for women
fncialisokgh.com
order cialis to canada


PhilipMIc Commented on February 25, 2018

cheap generic cialis uk
generic cialis tadalafil
cheap authentic cialis
generic cialis tadalafil
buy viagra cialis online
cialis online
cialis brand cheap
buy cialis online
cheap cialis professional


DianeFrier Commented on February 26, 2018

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


Peterfloca Commented on February 26, 2018

where to buy levitra cheap
levitra 10 mg
buy levitra perth
order levitra online
buy levitra in london


dafaBof Commented on February 27, 2018

viagra and saw palmetto
generic viagra
when will there be a generic version of viagra
viagra online
viagra extenze together


CliftonTIMIX Commented on February 27, 2018

buying viagra in uk
viagra without doctor
happens if take viagra cialis together
viagra without a doctor's prescription
viagra quantos mg
viagra pills
cheap viagra in usa
viagra online
getting viagra in italy


Thomassurge Commented on February 28, 2018

buying levitra online safe
where can i get levitra
how to buy levitra online
viagra cialis levitra
order cheap online levitra


Dorishop Commented on February 28, 2018

celebrex
flagyl
buy flagyl online
finasteride
voltaren 100 mg
voltaren
propecia


FloydBab Commented on February 28, 2018

cialis pills in canada
cialis
buy cialis viagra
online cialis
cheapest generic cialis canada
generic cialis
buying cheapest generic cialis soft tab
buy generic cialis online
buy cheap cialis uk


MichaelPlusa Commented on February 28, 2018

order female cialis
buy cialis online
order generic cialis india
cialis online
where to buy cialis online no prescription
generic cialis 2018
buying cheapest generic cialis soft tab
generic cialis 2018
cialis pills women


WilliamCar Commented on March 2, 2018

how to buy levitra in canada
levitra online
buy levitra pills
levitra vs viagra
buy levitra online in canada


Anthonydap Commented on March 7, 2018

viagra tablets price in chennai
viagra generic
can i get a free sample of viagra
generic viagra 2018
can you buy viagra in england
viagra online pharmacy
viagra trimix together
viagra online pharmacy
overseas viagra sale


Robertben Commented on March 8, 2018

compare price viagra cialis levitra
viagra online
cvs price for viagra
buy viagra
viagra sales 2012
buy generic viagra
viagra online kaufen auf rechnung
cheap generic viagra
cialis 20mg vs viagra 50 mg


Elysedekly Commented on March 10, 2018

play casino games online
slot online
slot game
casino games


Cantotiz Commented on March 10, 2018

v http://viagrraver.com is there generic viagra
safe place to buy viagra uk
generic viagra 100mg hieu thuoc co ban viagra


Keithglity Commented on March 10, 2018

canada pharmacies online prescriptions
prednisone
prescription drugs online without doctor
prednisone
Online Canadian Pharmacies
furosemid
canadian pharmacy online
furosemide 40 mg
canadian pharmacy online


JeffreyKeype Commented on March 13, 2018

can i cut cialis pills
generic cialis
can cialis pills be cut
cialis generic
cheap cialis online pharmacy
cialis
cialis tablete srbija
cialis online pharmacy
cialis discount coupon


Jamesmuh Commented on March 13, 2018

can you legally buy viagra online
online prescription
viagra tablet price in delhi
online prescription
buy cheap viagra
prescriptions online
how to buy viagra from india
prescriptions online
get viagra under 18


Melaniehom Commented on March 14, 2018

online casino slots
casino slots
casino games
online casino slots


GloriaLip Commented on March 15, 2018

online casino real money
casino games
slot online
online casino slots


KeithUnoth Commented on March 15, 2018

do need prescription buy viagra uk
buy viagra online
where to buy viagra online in uk
viagra online
can i buy viagra over the counter in mexico
buy generic viagra online
can u buy viagra india
generic viagra online pharmacy
cheapest price viagra online


MatthewACOUH Commented on March 16, 2018

low price viagra canada
viagra online
how to buy viagra in india
viagra
buy cheap viagra australia
buy generic viagra
viagra prescription online consultation
buy generic viagra
bula generico viagra ems


Leslierar Commented on March 16, 2018

cialis 10 mg viagra
viagra without prescription
viagra tablets sale
viagra without a doctor prescription
can viagra cialis taken together
cheap viagra
viagra 5 mg
viagra without doctor
order viagra in europe


JustinMuppy Commented on March 16, 2018

do you have to be 18 to buy viagra
viagra
can i buy generic viagra in the us
viagra online
levitra cheaper than viagra
buy generic viagra
sildenafil citrate generic viagra
viagra generic
generico do viagra nao funciona


DavidWog Commented on March 19, 2018

sc4
adobe cs6
adobe pdf reader acropdf.dll
creative suite
adobe flash player for windows 10
photoshop cs6
pdf
photoshop cs6
cs 1.6 download


RichardMor Commented on March 19, 2018

discount code for cialis
buy cialis
viagra and cialis for sale
buy cialis online
buy cialis manila
generic cialis 2018
url=http //opeyixa.com/qoxoo/2.html cheap cialis /url
generic cialis tadalafil
buy cialis overnight


EddieDraps Commented on March 20, 2018

cialis sale toronto
buy cialis online
order cialis in canada
buy cialis
cialis for sale in london
generic cialis tadalafil
how to buy cialis in canada
generic cialis 2018
buy cialis united states


DanielDrevy Commented on March 20, 2018

cheap levitra in canada
levitra generic
order levitra super active oo
levitra generico
levitra cheap canada


GlennGex Commented on March 21, 2018

http://www.thecryptobear.com/index.php?title=Levitra_Free
where can i buy viagra in san diego
safe place to buy generic cialis
discount viagra cialis levitra
http://ottomanmarinebd.com/index.php/component/k2/itemlist/user/1458598
cialis tablets online
places to get viagra
generic super active cialis
http://titoyayo.com/?option=com_k2&view=itemlist&task=user&id=85315
how to get a sample pack of viagra
cialis 2.5 mg price
comprare viagra senza carta di credito
http://sanchichemicals.net/?option=com_k2&view=itemlist&task=user&id=699913
genericos de viagra
how do i get viagra in ireland
order levitra now
http://augoeides.world/wiki/index.php?title=User:DomenicI72
viagra t recubierta 4 100 mg
cialis 5 mg e 20 mg
is there a generic viagra available
http://hulesyempaques.com.mx/?option=com_k2&view=itemlist&task=user&id=2689
cialis generico nelle farmacie italiane
buy 100mg viagra
effetti cialis generico
http://ulukhar.com/index.php/component/k2/itemlist/user/1998381
viagra generico portugal
viagra generika online rezeptfrei
kamagra soluble effervescent tablets
http://www.acopiadoras.com/?option=com_k2&view=itemlist&task=user&id=143486
indian viagra online shopping
where to buy viagra in perth wa
cheap indian viagra
http://superstar1.com/?option=com_k2&view=itemlist&task=user&id=528600
viagra pfizer 100mg
sildenafil citrate order
viagra generico farmacia italiana
http://chateau-du-vau.com/?option=com_k2&view=itemlist&task=user&id=279
can i legally order viagra online
medicina cialis 5 mg


Olivertrini Commented on March 22, 2018

buy viagra over counter uk
viagra without a prescription
viagra online shop spam
viagra without doctor
where can buy viagra in the uk
buy generic viagra online
sildenafil cheap online
generic viagra 100mg
is it legal to buy viagra online from canada


Claudeliath Commented on March 26, 2018

wo kann ich viagra online bestellen
buy generic viagra
viagra for cheap from canada
generic viagra online
acheter viagra online
viagra without doctor
order generic viagra cialis
viagra without doctor
get rid viagra virus


JamesViolf Commented on March 27, 2018

can you buy cialis over the counter in canada
cialis online
cheaper viagra cialis levitra
buy cialis online
buy cheapest cialis
buy generic cialis online
buy cialis online mastercard
generic cialis online
cialis tablets for sale australia


JamesBoare Commented on March 28, 2018

order cialis online pharmacy
cialis generico
cialis online buy
generic cialis at walmart
can you split cialis pills half
cialis coupons
cheap cialis soft tabs
tadalafil 20 mg
cheap cialis in the uk


Bretthow Commented on March 30, 2018

generic viagra sublingual
ed pills that work
acquisto viagra online italia
ed pills
taking yohimbe viagra together
ed pills
viagra in australia for sale
erectile dysfunction pills
is it illegal to buy viagra online in usa


Stanleyzep Commented on March 30, 2018

uk cialis sales
ed pills that work
viagra 50 mg einnahme
erectile dysfunction remedies
buy cheapest cialis
ed pills
se puede comprar viagra sin receta medica
erectile dysfunction pills
efek samping cialis 50mg


LewisEviNo Commented on April 1, 2018

buy cialis without prescriptions
buy cialis online
order cialis no prescription online
cialis
order cialis
cialis usa
how to use cialis pills
cialis tablets
buy cialis vegas


AlvinHub Commented on April 1, 2018

buy cialis safely
generic cialis online without script
cheap cialis once day
generic cialis online pharmacy
where to buy cialis in canada
buy cialis
cheap-cialis.net
cialis
cialis order uk


DonaldhoG Commented on April 2, 2018

safe place order cialis
generic cialis
how to cut cialis pills
generic cialis online pharmacy
buy generic cialis europe
cialis online
buy cialis edmonton
buy cialis
buy cialis prescription online


Daltontek Commented on April 2, 2018

buy viagra madrid
viagra tablet
viagra sale spain
viagra pill
cheap viagra now mastercard
viagra sales
teva sildenafil price
viagra sale
generic viagra from cipla


Jamesidemo Commented on April 2, 2018

best pharmacy to buy viagra
generic viagra online without script
can buy viagra ebay
viagra generic
buy viagra walgreens
viagra for sale uk
viagra falso e nocivo venduto online
viagra for sale uk
viagra canada no prescription online


Chesterusawl Commented on April 2, 2018

sildenafil citrate generic viagra 100mg
viagra tablets
easy way to get viagra
viagra pills 100 mg
buying viagra online dangerous
viagra online sales
do you need a prescription to buy viagra in the uk
viagra sales
sildenafil professional 100mg


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 April 02, 2018 02:44 PM PST. (476 Words)
 

RSS FEED





PERSONAL FINANCE BLOGS I READ

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






.

Error 500 - Internal server error

Error 500 - Internal server error

An internal server error has occured!
Please try again later.



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