Medical And Dental Treatment And Coverage In Oaxaca, Mexico

July 26, 2017

When I first gave up the practice of law in Toronto in favor of early retirement in Oaxaca, I assumed that the years I would add to my life by leading a much more stress-free existence in Mexico, would be lost by the inferior health care system to which I would be exposed, subjected and restricted. This, then, is my assessment of the extent to which my presuppositions have been accurate, together with information and advice for both vacationers to and would-be ex-patriot residents of Oaxaca.

Aside from the small, private hospitals, often referred to as clínicas, there are four publicly funded and insurance – based hospitals in the city, as well as a hospital just outside of the city offering specialized treatment for a number of serious ailments. There is the Red Cross facility available to all, often used for emergency treatment only. The civic hospital provides free services or treatment at a modest cost based on a sliding scale respecting means. ISSSTE is a federally funded facility restricted to government employees who are members of a union. Finally, there is IMSS, a federal insurance program available to ex-pat residents and Mexican citizens alike, with an extensive network of clinic doctors and a large hospital. It’s funding is provided in large part by business owners. Aside from these hospitals, there are several, small, easily accessed clinics scattered throughout suburban and rural neighborhoods.

For the vacationer, and the ex-pat with a VISA permitting residency in the country, the most common means by which to obtain emergency treatment is through Red Cross, IMSS (which accepts patients without coverage on a pay-per-service basis) or a private hospital. However, the last of these three is the only one in which you can be reasonably reassured of being attended in a timely fashion by extremely competent and efficient personnel.

WHAT TO DO AS A VACATIONER

If you do not have out-of-country healthcare coverage, by all means go out and buy it before leaving for your trip. However, it’s advisable to first inquire of your credit card company, to ascertain if in fact you already have at least some coverage simply by virtue of, for example, having a gold or platinum card. You can then make a more informed decision concerned whether or not to purchase coverage, and if so at what level. On the other hand, a broken leg, gastrointestinal problem or other non-life threatening ailment can be attended by a private doctor or clinic without breaking the bank. Of course for an outlay of more than $100, it’s nice to be reimbursed.

If you intend to make a claim to your private carrier, credit card company or government funded health care plan, ensure that you not only keep all receipts, but request a written diagnosis and treatment plan, and that the prescriptions you are given indicate for what purpose each medicine is being prescribed (i.e. antibiotic, analgesic, etc.). Many doctors provide all required information simply as a matter of course. Accepted practice, at least except for when narcotic medications are being prescribed, is for the pharmacy to return prescription forms to you. Often medical plans require translations of each document that is presented to them as a prerequisite for processing and reimbursement. When in doubt, submit all documentation with your claim, making sure to determine if originals are required, and keep copies. Frequently, as is the case with Ontario, it’s a two step process. Treatment receipts and diagnosis is submitted to the provincial plan. Once you’re notified of the portion not covered, prescription receipts together with a request for reimbursement for the amount not covered by the province, is submitted to one’s private plan. In theory, between the two plans, 100% reimbursement is achieved.

You can ask the manager of your hotel or bed and breakfast to do you a favor by translating each of your supporting documents, to save you the trouble upon your return home. Make a note of the then prevailing rate of exchange, and submit a calculation to your plan with your documentation, to more easily facilitate payment. When a member of a clerical staff is processing your claim, he’ll be less inclined to put yours aside for another day or week if it already contains all the necessary and relevant data, organized in a readable format.

Concerning where to go in the event of illness or emergency, your accommodations host should be able to make recommendations for English speaking physicians with private practices, and for private clinics. Regarding competency of the former, while there is a medical school in Oaxaca, many doctors travel out-of-state for their post-graduate training such as to universities in Mexico City or the US, and regularly attend conferences and upgrading courses. Some travel abroad within the context of their specialization training. Indeed the Oaxacan populace appears to take notice of and prefer those physicians who are able to display foreign diplomas.

Our personal experience with emergency treatment over the past 10 years has been nothing but positive for ourselves, our family and our guests, at hospitals Carmen and Molina, both downtown … in terms of competence, speed with which one is attended, and the presence of English speaking ER doctors. On the other hand, we cannot recommend the emergency departments at the civic hospital or IMSS because of delays in receiving treatment, and at minimum in the case of IMSS unavailability of competent medical personnel 24 hours a day to attend to even a commonplace emergency (i.e. suturing). Having said this, many excellent surgeons with private practices perform surgery at the non-private hospitals where there tends to be the more state-of-the-art and sophisticated equipment.

The normal range in price for a consultation with a family doctor, specialist or dentist, is $20 – $50 (all figures are stated in US dollars and are approximate for 2008 unless stated otherwise).

PURELY ELECTIVE AND COSMETIC PROCEDURES

Over the past several years Oaxaca has become a popular destination for Americans and Canadians seeking both plastic surgery and extensive dental work. Word has spread of the competence and quality of work of both nip-and-tuck and dental surgeons, and of course of their extremely reasonable charges relative to those paid to hometown practitioners. Many foreigners, as well as Mexicans from Mexico City and other regions of the country come to Oaxaca for face lifts, breast reductions and augmentations, liposuction and other appearance enhancing procedures. A friend who attended for plastic surgery in Oaxaca by a well-known plastic surgeon a couple of years ago, recently commented that she had read an article in a Canadian magazine indicating the cost for the same procedure which she had performed for $500, was $3500 – $5000 at home. In effect she had a free trip to Oaxaca, and returned home with extra money in her pocket.

Our personal experience with dental treatment has been extremely positive. Cost tends to be about a third to a half of American and Canadian prices, for example for crowns and bridges, implants, root canals, gum and bone work, etc. While the use of nitrous oxide (laughing gas) has not yet arrived in most Mexican cities, a dentist with a gentle touch can more than make up for that lack of temporary high while in the chair.

RESOLVING THE EX-PAT CONUNDRUM

Get whatever coverage is made available to you both in your homeland and in Mexico, subject of course to affordability.

To my thinking, with IMSS coverage costing under $400 annually for a couple, why not go for it regardless of what other coverage you already have. Then supplement IMSS with international coverage for catastrophic injuries unless you have other similar insurance from another source. Our Oaxacan friends tend to disagree, but theirs is a different mindset where insurance in general has historically not been stressed or valued, be it home, car or health.

Some American acquaintances
swear by IMSS since it provides regular care including preventive procedures, all dispensed by government employed physicians including specialists, together with lab tests, medication and hospitalization. There are restrictions the first year of enrolment, and there are caveats. The level of cleanliness in the clinic environment tends to be below the standard to which most of us have become accustomed growing up in the US and Canada. Many physicians have not received the quality of medical education of their private counterparts. The medications provided through the clinic pharmacy are often not the best available in the marketplace for treatment of a particular ailment, because of cost. Often the wait to see your designated doctor or for your lab tests can be long, requiring a half day commitment for each step in the process: visiting a general physician, going for one set of tests, then for another, and finally seeing a specialist.

So why bother with IMSS at all, with all these downsides? It’s a failsafe, another form of assurance that you’ll be cared for in the event of a lengthy and serious illness. As suggested earlier, often it’s the largest hospitals such as IMSS which have the best equipment, and surgeons with private practices who perform some of the surgeries. And there is no additional cost for hospitalization once you have full IMSS coverage. While attending a private clinic is more akin to your experiences before moving to Mexico, if you must remain in hospital for a lengthy period of time, the cost of doing so in a clinic could be prohibitive…just like back home.

Visiting private physicians, and even biting the bullet and getting your tests done at privately owned laboratories, reasonably assures you of a familiar quality of care. Coupled with IMSS coverage, you can now be confident that you’re covered in almost all respects. In the event of a protracted hospital stay you can afford to be there for as long as necessary. The best locally available equipment will be used in your diagnosis and treatment, and you have a reasonable likelihood that attending surgeons are those who split their time between private practice and clinic work, and performing procedures in one or more large hospitals.

We maintain IMSS coverage, but rarely use it, preferring to tap our Oaxacan social networks for referrals to specialists to the extent they are required. And in any event, after having been resident in Oaxaca for a few years, those of us who are in our fifties or older have already been introduced to a broad range of specialists. As strange as it still is to be a Canadian and subscribe to the pay-as-you-play philosophy of medical care, it serves our purposes, with the IMSS safety net just in case.

Under certain circumstances you may not want to rely on even the best Oaxaca has to offer. Indeed the stream of Oaxacans traveling to Mexico City flows briskly and wide. The middle and upper classes with contacts in the nation’s capital, there quickly seek out the best in terms of physicians and state-of-the-art equipment, for diagnosis and for treatment of life-threatening diseases.

Even doctors working in Oaxaca at the IMSS and ISSSTE hospitals can make arrangements for patients to receive treatment not available here, to be attended in Mexico City or other larger centers. However, the process can be slow. We know of one case, that of a two-month-old baby with heart problems, who was finally sent to Puebla for surgery at ISSSTE, only to die before the procedure could be performed.

The solution, unless you have quality foreign coverage perhaps as part of your retirement pension plan, is to buy insurance which will pay for treatment in Mexico City, or better yet throughout the world as long as you can make your way to one of the participating top-of-the-line hospitals. In my case, I have a low annual premium, with high deductible which is waived in the event of accident. Again, it’s a failsafe mechanism in the event of, for example, a serious car accident, or cancer, stroke, heart attack, or other catastrophic ailment which would otherwise not be affordable. Oaxaca has less than the best of diagnostic equipment and treatment facilities. My plan provides for a $10,000 deductible, $2,000 annual premium, with member private hospitals in Oaxaca, Mexico City and elsewhere in the republic, and of course abroad including the US, with the Mayo Clinic in Rochester being a participant.

In summary, my medical coverage and plan for treatment is the following. We have our regular family physician, who, along with our Oaxacan friends, refers us to specialists in which we have the utmost confidence, and to whom we pay per visit. The same holds true for dental treatment. We have IMSS coverage which we reluctantly (because we don’t use it) renew on an annual basis, but believe it’s worth the price in the event we need extended hospitalization, or to have surgical procedures performed not available in private clinics. And I have my catastrophic coverage which hopefully I’ll never need to access.

Medical care and coverage can be inexpensive, and just as easily it can be costly. It’s a matter of the individual or family having a philosophy, or set of priorities, before electing to move to Oaxaca. You have to determine how you want to lead your life in terms of balancing having less disposable income as a result of medical and insurance costs, with having greater peace of mind in knowing that whatever is thrown your way will be looked after as best possible given your new life in a foreign land. If you cannot achieve a level of comfort in the resolution of these issues and decisions, then perhaps the move is not for you.

Nurses to Take Advantage of Online Degrees For Career Advancement

August 6, 2017

Most nurses are worked in shifts and many of them work in 12-hour shift making them hard to plan for evening class on continuous education program whether they are doing a day shift or a night shift. The advantages of online degree programs that enable students to enter to the classes remotely with flexible learning schedule provide the best solution for nurses to earn a degree for their career advancement.

Many hospitals and medical care centers are encouraging their registered nurses to pursue their academic careers, which are good not only for the hospital system, patients and the community, earning a bachelor or graduate degree helps nurses to enjoy better income and career challenges. The hospitals typically try to give their nurses as much information as possible about the education options, and many of these hospitals are allocating education reimbursement benefit for the nurses to encourage them to earn a higher credential through continuous education program. Hence, the nurses should utilize the benefit for their future career planning.

Prior to the available of online degree program, the key barrier that stop most nurses from continue their education after entering the workplace is they are facing difficulties to find time to sit through years’ or months’ of coursework in a traditional classroom setting. Since the available of online education in nursing or healthcare majors remove the barrier and enable nurses who are interested to advance their career to pursue an academic degree online. They can choose to logon to the online classes whether from their home, workplace or where ever they are, even if they are on travel. Most online degree programs allow a good degree of flexibility that enables students to plan their study schedule based on their own pace.

Seeing the demand of nursing degree programs and the advantages of online education, many traditional campus-based nursing schools have made their nursing degree programs available for online students while other online universities are offering various online nursing programs to those who are interested in nursing careers. Nurses who are interested to advance their career to a higher level can take advantage of the online degree program to purse a bachelor or graduate nursing degree while continue their current work life.

While the demand drives more nursing degree programs being introduced in online education format which provides more choices for students to choose one that best meet their needs, there are a few factors you need to take into consideration when deciding to pursue a degree online; one of them is “diploma mill”. Diploma mills are those who offer fake degrees or degrees that are unrecognized in job market need to be avoided with your best efforts. The best way to avoid yourself being a victim of diploma mills, you are advised to only consider online nursing degree programs offered by national or regional accredited schools.

The bottom line is online degrees provide a better option for nurses to pursue an advanced degree and nurses should take advantage of it to become a better educated health professional that benefit both the community and their own career future.

How an Online Travel Agency Help in Planning your Trip

August 10, 2017

Through the Internet, people today can look for information about any product or service they need in a fast, easy, and convenient way. For instance, if you’re planning a cruise trip, you can use search engines to find a website that offers travel packages. These travel agencies’ websites provide details and anything you need to know about cruise vacations. To know more about this, here are some facts on how an online travel agency can make planning your trip easier.

When browsing a travel agency’s website, you can find information on available itineraries, cruise tours, and shore and rail excursions. Through this platform, you can input details on where you like to go, when and how long you prefer to travel, and which departure port is most convenient for you and your group. Read through the agency’s travel insurance policies posted online to know if these cover medical expenses, trip cancellation, baggage damage, and other possible emergency situations.

Like your local travel agencies, online experts provide basic information about what a cruise trip, for example, entails.

They post information about pre-travel requirements, onboard experiences, activities, and amenities, as well as the different ports you and your fellow passengers can visit during the trip. They also give an overview about the life aboard a cruise ship: the dining options, accommodation arrangements, planned activities for people of all ages, and facilities and amenities for relaxation and entertainment.

An online travel agency Minneapolis has to offer also provides a wide range of options for specific cruise lines and ships.

You can choose a luxury, premium, contemporary, or specialty cruise line that suits your budget, adventure needs, and travel preferences. You can view cruise ships’ deck plans, onboard activities, sophisticated environment, and thus decide which travel package will work best for you and your group.

To maximize your budget, consult an experienced travel agency St Paul residents go to for special offers and competitive prices. You can read through their current promotions and get discounts from cruise lines or land-tour operators in their business network. You can also choose a wonderful cruise vacation package inclusive of full cruise fare, pre- and post-hotel accommodations, and other add-ons through their website.

Websites in general serve as a reliable source of information for people. With online
travel agents Minneapolis companies employ, you can plan your trip faster and in a considerably more convenient way. Through their website, you can also subscribe to email promotions, access quick links, and learn about a desired trip with a few clicks. These make planning a big, budget-friendly adventure easier.

Top 5 Outdoor Activities For Kids

July 9, 2017

Finding safe, fun outdoor activities for kids in all weathers may be a little challenging but definitely isn’t impossible. With the right kids clothes outdoor play can be enjoyed on most days. Anyone can find something fun and exciting to do during the warmer weather but what about those wind-swept autumn days or frost-bitten winter mornings?

Actually, finding something to do in all weather is more about an attitude change than an activity change. More and more these days we feel it may be too wet to go out or too cold when actually even a short period outdoors in inclement weather can make for a lot of fun.

A New Twist On Old Favourites

Not only can the activities be entertainment but it is a perfect way to teach children to be more aware of the world around them and how seasons work to affect the plant and animal life on earth. This in turn will bring them to think with empathy on other ways of life and how to better care for their environment.

Backyard cricket – This iconic game of Australia is a summer played sport but that doesn’t mean you can’t play forms of it in other seasons. You can use it to link back to some of our heritage and even use it to explore the cultures of the other countries that play. Tippety Run is an easy form of the game where you must run between wickets anytime the ball is hit. Wickets can be anything, even plastic rubbish bins, and because it is an active game it will keep kiddies warm on cooler days. It teaches teamwork as well.

Kite Making – the best things about kites is they need a windy day to fly so autumn and spring are going to be perfect. Of course, no electrical storms for flying but a good stiff wind is perfect and means less work to get the kite off the ground. Children will find these easy to make and with some encouragement and some basic kite flying principles they will soon be doing their own designs. The tails can be long and fancy and a big kite is a wonderful group project. This is a great way to discuss how birds fly and what other things might be found airborne in the autumn and spring. Older kids can learn about the power in lightning and how it can travel to the earth.

Treasure Hunt – Depending on where you live and how safe you feel the children will be wandering around it may pay to split into teams with an older teenager or adult with no more than two younger children. Toddler and preschoolers should always have adult supervision. You may need to take a drive to find a suitable spot if you live in a city.

A rock the size of a 20c coin
The longest stick you can find
A spiky leaf
Something the shape of a love heart
This can be done in several ways and is fantastic for all age groups; you simply adjust the clues according to age group. You can also award prizes for certain categories. A sample list might be:

You can tell them not to destroy anything living to get the objects and even a few showers won’t hurt this one at all. Just get them to don the raincoats, hats and boots and get excited about going out into the rain for a little while.

Outdoor Painting – Painting outdoors is perfect if there is going to be a big downpour likely. It’s easy to do when the cement or walls are already wet. Use big paintbrushes and safe, water soluble paints. Even big pavement chalk is fantastic to run out in between showers to draw and then watch it get washed away. This is the perfect opportunity to discuss how rain is formed in the clouds and what happens when it rains. Kids can watch the clouds moving fast in a stormy sky and make up stories about them and then try to paint those stories. Imaginations will run wild.

Sprinkler Play – Once before we could turn on the sprinkler on a hot day and play until our heart’s content. But the reality of water shortages is pertinent today and responsibility with water is an important thing to instill in our kids. They can still have sprinkler play but place the sprinkler into a pool and discuss ways to reuse the water when they have finished with it. It might be to put on the winter veggie patch that you sow in early summer. Water is an excellent source of education and play. Rainy days can help to show children what happens to water, where it goes after the drain hole, and what effect it has on the place it ends up in.

There really is no limit as long as you don’t mind a bit more kids clothing in the wash. Once rugged up well even breaking ice in puddles on a frosty morning is so much fun. There is a huge variety of kids clothes and kids protective clothes available today so no more excuses about the weather being bad, go and enjoy our world.

Perfect Beaches for Holiday Rentals in Murcia

July 15, 2017

Murcia, located along Spain’s Costa Calida, is known for its year-round warm, sunny climate which attracts holidaymakers to the region. With an abundance of villas for rent on resorts such as Polaris World’s Mar Menor Golf Resort, La Torre Golf Resort and El Valle Golf Resort tourists can rent luxury Murcia villas with private pools or affordable apartments and take full advantage of resort facilities such as communal pools, playgrounds, tennis courts and nearby restaurants.

If you’re planning on looking for holiday rentals in Murcia this summer make sure you explore the local area and visit the many beautiful beaches on offer. Murcia, also known as the Costa Calida in Spain offers over a hundred beaches for everyone to enjoy, whether you want to travel by boat to a picturesque deserted cove, or relax on a stretch of sandy beach to soak up the sun.

Simply travel a short distance from Murcia city to the coast to explore popular areas. Beach towns to visit include Mar Menor, San Javier, Cartagena, Mazarron, Aguilas, San Piedro del Pinatar and Lo Pagan. The Mar Menor in particular ( a large salt water lake effectively) is a really popular area to visit, with its warm Mediterranean waters and vast, golden beaches, shallow waters and small waves; Murciabeaches really cater for everyone.

Mar Menor beaches

Villa Nanitos

Located on the Costa Calida above Lo Pagan, the Villa Nanitos beach offers water skiing, volleyball, windsurfing and sea kayaking. Nearby are the mud baths of San Pedro del Pinatar; well worth a visit.

La Llana

Located on San Pedro de Pinatar, Mar Menor, this is a blue flag beach and can get busy during peak season. It is a long, sandy beach and foot showers are available during the peak season. The waters here are mild and so perfect to take a dip.

El Espejo

Another blue flag beach, El Esperjo can also be found on the Mar Menor coastline. This sandy beach is perfect if you fancy a spot of surfing, volley ball and kayaking. The waters here are calm.

Los Nietos

This is another popular Mar Menor beach. It offers 4km of long grey, sandy beach with shower facilities, as well as lots of restaurants and calm waters.

San Javier beaches

Euromanga

Euromanga beach is located in San Javier, Murcia. It’s typical of the La Manga stretch, which means its golden sands and pleasant waters attract many tourists and locals.

Castillicos

This San Javier sandy beach offers a picnic area, snack bar, accommodation, showers, beach cleaning and houses a Red Cross station. Lifeguards also patrol the area, and it’s also one of the safest beaches as it’s patrolled by local police.

Cartagena beaches

Cala Cortina

Close to Cartagena, this Murcia cove is located just a couple of minutes drive away. The locals will cycle and walk to Cala Cortina to enjoy a day of relaxation; spend a peaceful afternoon here with friends or family.

Calblanque

Calblanqueis a protected nature reserve, home to sandy beaches and coves. This beach is one of the few you are allowed to take dogs down to, so it’s advisable to keep away from the lower end of the beach if you wish to avoid the family pets. As it’s a protected area, there are no facilities like restaurants or bars, but there is a car park.

Cala Medina, Las Melvas and Levante

This group of three beaches are small beaches, with slightly less calm water. They range from sand to gravel to rock. There are restaurant services nearby, and it’s the perfect location if you fancy a spot of snorkelling.

El Portus

This is a very quiet beach in Cartagena. It’s sandy, and does offer showering facilities, but has limited disabled access as it’s difficult to reach.

El Belonte Grande and Salitrona

These two beaches in Cartagena are short and sandy, and are only accessible by boat or on foot, so they’re perfect if you’re looking for a quiet spot. These coves are very beautiful, surrounded by mountains with wild vegetation.

La Calera and San Gins

La Calera and San Gins are gravel and sand beaches, with calm water making them suitable for families. They offer reasonable facilities such as showers, as well as a few restaurants and shops nearby.

Mazarron beaches

Bolnuevo beach

Bolnueva beach is located at Mazarron, Murcia. This lovely golden sandy beach is great for families, and offers a picnic area, snack bar, showers and toilets. It’s also got a Red Cross Station and lifeguards on duty, in addition to offering water sport equipment for rent. It can get very busy during peak seasons, but generally isn’t quite as busy as other blue flag beaches along the Costa Calida.

Nares

Also located at Mazarron, Murcia, this golden sandy beach is great for children with its calm waters and shower facilities.

El Castallar

Facilities available: This beach is located near the town and harbour of Mazarron. El Castallar is a sandy beach, with lovely clean, calm waters. Although popular with families, this beach does not get quite as crowded as some other Blue Flag beaches in this region. Facilities include snack bars, restaurant, showers, telephones, beach cleaning, and a Red Cross point.

El Rihuete and Puerto de Mazarrn

These sandy beaches are perfect for families exploring the Mazarron area, with plenty of local shops and restaurants.

Aguilas beaches

Las Delicias

The sand and pebble beach of Las Delicias can be found in Aguilas, Murcia. It offers many facilities such as a snack bar, restaurant, showers and it also has a Red Cross station, is manned by life guards and patrolled by the local police, so it is an extremely safe beach to visit.

Poniente

This urban-setting beach offers a snack bar, restaurant, toilets, showers and parking. It’s a very popular beach in the summer months.

Calabardina

This beach is also located at Aguilas, Murcia. Its waters tend not to be as calm as other beaches in the region, making it more exciting for water sport enthusiasts. It offers a Red Cross point, parking and beach cleaning, and again, Calabardina can get quite busy.

Levante

Sizes at just over 440 metres, Levante beach offers a snack bar, restaurant, showers, a Red Cross station, lifeguards. Ideal for children, this popular beach is sandy, with calm waters.

Abejerro and Las Pulgas

If you’re after quiet sand and gravel beaches, head to Abejerro or Las Pulas in Augilas. These are both quiet, unspoilt beaches, unfortunately there are no facilities at either location.

Punta del Fraile

This beach is only accessible by foot and offers great, clear water for snorkelling.

Lo Pagan beaches

Villanitos

Villanitos can be found in San Piedro del Pinatar, Lo Pagan, Murcia. It has plenty of facilities available for use, such as snack bars and restaurants, toilets, showers, parking and if you want to take part in water sports, there is equipment available for rental. Calm waters and it’s large, mostly sandy beach make it very popular.

La Puntica

This is a sandy beach, with calm waters. Like many beaches in Murcia, La Puntica offers a restaurant, snack bar, showers, toilets, beach cleaning and a Red Cross station, and is patrolled by lifeguards and local police.

Lorca beaches

Bao de las Mujeres and El Ciscar

These beaches are located further south of the coast, at Lorca. They are both short beaches
, offering fantastic fishing opportunities as well as being perfect locations for swimming and snorkeling.

E Cigarettes – Environmental Friendly and Stylish Alternatives to Smokers!

July 5, 2017

The mere sights of cigarette butts makes many cringe frown and roll their eyes in disgust. Insult is added to injury when the breath of one in close proximity to another is smoky and stale. It is such concerns that have led to the invention of E Cigarettes!

These are cigarettes whose utilization requires small power from battery and are also available in various flavors and varied nicotine levels. Owing to the fact that the charge from a short cable is required, carrying the electronic cigarettes and taking a puff away from the comfort of the home can be quite tasking in some case. This means that the smoking habits of individuals are in fact regulated! Also, the human body is protected from harmful smoke that is not emitted by the electrical version of these new age top notch cigarettes.

The Cigarettes Are In A Dignified Pack and They Are Durable!

For the first time ever, tobacco smokers do not have to carry matches and lighters causing burns to their finger tips and boring holes into their Sunday bests! Smoking has been taken a notch higher and the result is basic dignity for the smokers because they will not disrespect the non- smokers among them by contaminating the air that they breathe. Electronic cigarettes and the packages they come in can also be reused meaning that a lot of money isn’t spent in every interim in the purchase of pack after pack as in case of regular cigarettes. The style and durability factor surrounding the new age cigarettes is just remarkable!

They Are Environment Friendly!

For starters, this kind of cigarettes cannot be put on unless with a source of an electrical current. This means that rooms and pathways do not, under any circumstances, get filled with smoke just because a smoker passed by! The smoke usually part and parcel of the activity of smoking, is done away with meaning the air, even around a smoker, is always fresh! Disposals for the cigarettes have also been invented, meaning that they are gotten rid of responsibly so that there are no harmful smoking bits and pieces carelessly thrown away which pollute the environment!

E Cigarettes have made the world a better place, at the very least! Those who indulge in smoking on a regular or even irregular basis can therefore finally do so responsibly and while giving better consideration to their health.

3 Quick Cash Loan Myths Exposed

June 12, 2017

If you are considering a Quick cash loan (payday loan, fast cash loan, payday advance etc…) to get you through a tough financial time, you may be making a smart decision. Despite the ridiculously high APR that loan providers charge, a payday loan is many times a lower cost option than paying fees stemming from bounced checks, credit card late fees, re-connect fees etc…

Here are 3 myths that are commonly and erroneously associated with a payday advance loan.

MYTH: Quick Cash Loan providers charge outrageous rates

TRUTH: You’ve got to compare. A payday loan is typically cheaper than other customer alternatives.

Here’s a scenario: Did you forget you didn’t have any cash in your checking account but bought stuff anyway with your debit card? Maybe you did that 4 times in one day.

It’s amazing how we can lose track of our finances, but we all do it..

Guess what…

Each occurrence just cost you $35 in NSF fees from your bank. Those 4 withdrawals of $10 just cost you $140 dollars in fees! Ouch! The cost of borrowing $100 from a payday cash loan provider is $15 – $20 per $100. The APR on this transaction is 391%, which seems sky high but compared to the overdraft fees at your bank it makes good sense.

The remedy here is if you know you’re going to be short of cash but need to use checks or debit card, weigh the costs. It may be better to set up a fast cash account and use it only when you know you’ll be potentially incurring late fees.

MYTH: Quick cash loans always create a spiral of debt for the customer

TRUTH:Most users are responsible borrowers and have no trouble managing the short payback period.

These loans are short term solutions and most borrowers realize the danger of being over extended. About 60% are one time users – meaning they don’t renew the loan or have to extend the payback period.

Studies have also revealed that:

66% of payday loan users utilize the service to cover only unexpected expenses

34% use payday advance loans for a planned expense

70% of fast cash loan users only use the service 1 time per month.

MYTH: Emergency loans prey on unsuspecting customers

TRUTH: There are solid laws in place to protect customers from being taken advantage of.

The overwhelming popularity of these loans as a discreet and dignified way to solve temporary cash flow problems speaks for itself.

70% utilize fast cash loans because of the convenience (fast, easiest…)

96% are fully aware of the charges they will incur. Most state they were quoted the fee as an APR. Most believe that quick cash loans are useful ( 92%) and only about 12% state they were dissatisfied with the service.

Also, 33 states and D.C. provide balanced, responsible regulation of payday advance companies.

Summary

Why not consider a quick cash loan when you know you are going to be short on cash and will face fines or fees? As a temporary solution you may save a lot of money despite the high APR. It’s easy to find a reputable quick payday loan provider (see links below) and set up and approval takes only minutes.

This Holiday Season Visit the Most Popular Cities of Australia

August 4, 2017

Here is the list of some of the most popular and most interesting cities of Australia to visit; these cities are very beautiful and attractive. If you’re planning to visit Australia, then make advance planning to visit these cities and make your trip a part of your unforgettable memories.

Adelaide: Located between the beautiful white sand beaches and splendid Uncategorized scenes, this city provides you the most beautiful scenery to enjoy. Adelaide is the city to be enjoyed just by a walk. It hosts the finest cultural events and boutique wines that Australia offers.

Darwin: Darwin is Australia’s most popular city named after famous scientist Charles Darwin. Darwin is the entry point to the world famous Kakadu national Park, the dramatic Katherine gorge, the gorgeous Litchfield National park and the red crags of the Kimberly region. Thus, Darwin car hire is proper transport option which can be used enjoy the wild life here and surrounding areas of Darwin.

Melbourne: Located on the magnificent port Philip Bay, this is a vibrant cosmopolitan city. It is the state capital and cultural heart of Victoria. Many different communities have made their home here. Thus, you can find different cultures along with varied cuisines to enjoy. It is a place to relax in beautiful gardens, explore the underwater world and do visit a zoo.

Perth: Perth is totally isolated from Sydney and Melbourne. But still it offers the most interesting tourist attractions with its extravagant beaches. Extravagant beaches round off a city that’s largely shaken off its image as a boring backwater to emerge as a vivacious and culturally significant Australian destination. Near by Rottnest Island can be easily visited by Perth car hire which is famous for penguins and quokka bird.

Cairns: Cairns is the gateway to the Great Barrier Reef, one of the world’s most popular diving sites. It is a bustling tourist centre with countless excursions to Daintree Rainforest departing daily. No beach exists here; but still people come here to enjoy the man-made lagoon on the Esplanade. It is surrounded by pleasant grassy areas perfect for relaxing under the sun.

Brisbane: Brisbane is the vibrant capital of Queensland. Situated along the Brisbane River, the city is a true mixture of old and new culture. There are many older heritage buildings surrounded by modern monuments. There’s an abundance of green spaces to walk around and enjoy the pleasant sun. There are numerous outdoor activities going on round the year to participate.

Sydney: Vast, vibrant and dynamic sun baked beaches offer this strewn metropolis. Sydney is the epitome of easy going happy life. World-class cuisine, cutting edge street culture, sport, and fashion makes it the world’s top cities to live in. The Harbour Bridge, opera house and Bondi beach are the main attractions of Sydney never to miss destinations on your trip.

These are the top cities of Australia that offer you the best tourist attractions. This Christmas, arrange your tour to these cities for enjoying your holidays. In advance, make all the preparations in order to make your trip pleasurable and comfortable. If you are planning to make a trip to these destinations, then book tickets for flight, hire car services and make accommodations in advance so as not to end up in a last minute rush. You can even hire a car to go around these cities to explore the local attractions.

Best Electronic Cigarettes Vs Electronic Cigarettes

July 24, 2017

People do have bad habits, but what matters is getting rid of them for one’s good. Smoking is one of them. Smoking is an addiction for many people. You can get addicted to smoking without taking much time, but quitting this activity can be a little difficult for you. Generally you would find it very difficult to find an alternative to harmful smoking.

But what if you find one? That would be the best gift for you.

Electronic cigaret give you the privilege to smoke without harming your health. They do not contain tobacco. Electronic cigarettes give you the same feeling of smoking an actual cigarette without harming you. You can use electronic cigarett in a non-smoking arena as well. Generally, passive smoking is considered more harmful than active smoking, so you can get yourself the best electronic cigaret in the market and not only avoid falling ill yourself and also allow people around your vicinity take in fresh air.

Monotony creeps in when you smoke cigarettes of the same taste and brand every time. If you smoke one of the best electronic cigarete available in the market, you get ample flavors of your choice and along with that you can also vary the amount of nicotine per cigarette from high to low. So that?s where the difference is. When are you opting for the best ele cigarettes available at the stores?

Generally cigarettes emit a smell which is not welcomed by the non-smokers. For that particular reason electronic cigars are welcomed by most of the smokers as these ensure a healthy and a smokeless atmosphere without any offence to anyone.

The cheapest cigarettes come with low quality batteries. Therefore, you have to be tactful while choosing one for yourself. The best electronic cigarette in the market have high-density lithium ion batteries which would easily last for a long time without failure. The best ones in the market also give you an extra battery just in case the first battery gets exhausted.

Please remember! While purchasing these devices be careful of the Chinese imports which are not of the best quality. To get the best of the electronic cigarete you need to be aware of the good brands that are available in the market. So be wise and choose the best of the lot available and happy smoking!

Safer Smoke Supply is a company that produces affordable and high-quality e-cigs that last for quite long.

Four Major Functions Provided by a Real Estate Agent That You Can Do Yourself

August 6, 2017

Selling a home entails four major functions that are usually performed by a real estate agent. If we take the mystery out of those functions, they start looking as if we can do them without an agent. And you can!

1. Pricing your property

The first thing that an agent will do for you is help price your property. You don’t want to offer your home for sale at double its market value because it just won’t sell. Likewise, you don’t want to offer your home for sale at half its market value because you would just be cheating yourself of that price difference. If the market is such that your house in your neighborhood in your city is worth about $200,000 then you want to sell it for that. If you have made additions to the house that might make it worth more, then you want to add those items to it. The real estate agent has a lot of that data at their fingertips through their subscriptions and through their knowledge of the marketplace.

You can do this pricing yourself as long as you don’t let your ego get the better of common sense. You can find out what homes are selling for by cruising your neighborhood and checking out homes for sale to see what they are priced at. You can check to see what they sold for by visiting your tax authorities. Most municipalities and counties require that all deed transfers be recorded as a matter of public record. You can access that data through the internet if your municipality offers it, or you can go look it up in person where the internet is not used. Just make sure you are pricing your 3 bedroom 2 bath house with other 3 bedroom 2 bath houses rather than a 2 bedroom or 5 bedroom house.

2. Marketing your property

Marketing real estate is a sort of catch-all word for advertising the home as being for sale and then showing the property to prospective buyers through appointments or open-houses. The most important and probably most costly marketing activity is advertising the house. There is one real estate agent around here that states in their commercials that they spend between $1,000 and $1,500 per HOUSE while claiming that many agents only spend less than $500 per month for all of the houses that they list.

You can perform all 3 of these marketing functions. Who would be better to show a home or to have an open-house than the resident of the home — just do not let your ego get in the way and react defensively to reasonable buying questions. The advertising should be fairly simple as well. You are just as qualified to create want-ads for your local and regional papers and classified magazines as long as you model your ads after the ones that you will be competing for attention with. There are some advertising sites that require that all of their advertisers be real estate agents. You might try circumventing that restriction by offering a real estate agent a small fee to list your property on those restricted sites. The worse they can do is say “No” and a different agent might be more cooperative.

3. Contract exchange and negotiation.

Real estate agents act as intermediaries between the seller and the buyer. They take a contract proposal from the prospective buyer or their agent and present it to the seller. This goes on with price changes or with feature additions and removals until both the seller and the buyer agree on the selling price and property conditions.

There should be no question that you can do this yourself as the seller. After all, the agent would have to come to you anyway to get your approval and signature. Once again, this is where you need to put your ego and pride to the side. At this stage, all of your advertising and pricing work has come to fruition and you have a buyer negotiating with you. The worse thing you could do is to react defensively. You just participate in a give and take during the process as if it were for someone else.

4. Preparing the final paperwork and closing the sale

The real estate agent is usually the one to give all of the closing information to the title company and lawyers so that the deed to the property can be transferred from the seller to the buyer with no problems. This is when checks are transferred and mortgages paid off. It is also when the commission check is given to the real estate broker for dispersal to his agent.

You can do these things also. You are the one that has handled the paperwork up to now. You are the one that is ready for your mortgage to be paid off. You are the one ready to receive a check for the difference between what you owe on the mortgage and the selling price of the house. Most of this information is put on the HUD-1 form by the title company. In fact the major role of the agent here is to hold your hand and collect the commission check. Again, these tasks can be handled with a minimum of activity on your part. Any legal requirements can be farmed out to a lawyer for a much smaller fee than the agent’s commission.

Pricing, marketing, negotiating, and closing are all functions that are required to sell a property. They are all tasks normally handled by a real estate agent. They are also tasks that you can do yourself at a cost far less than 5% of the selling price of your house.

pritioneatch.eu.org
pritter.eu.org
prityruccon.eu.org
proaking.eu.org
proal1996.eu.org
proatest.eu.org
procculd.eu.org
prok1996.eu.org
proke1996.eu.org
prold1996.eu.org
prolifece1996.eu.org
promarged.eu.org
prome1997.eu.org
promen.eu.org
promento.eu.org
promeraw.eu.org
promes.eu.org
prommor.eu.org
promple97.eu.org
prompoing.eu.org
prompoing1996.eu.org
pron1996.eu.org
pronce.eu.org
pronegrot1996.eu.org
proo1996.eu.org
proodents.eu.org
prook1996.eu.org
prookint.eu.org
proorty.eu.org
propediet.eu.org
propee.eu.org
propen.eu.org
prople.eu.org
proself.eu.org
prost1996.eu.org
prothervents.eu.org
prough.eu.org
prould.eu.org
prouncer.eu.org
proured.eu.org
prourn.eu.org
prourne.eu.org
prous1996.eu.org
proutirepach1997.eu.org
proutiting.eu.org
prowen96.eu.org
prowhy.eu.org
proymentre.eu.org
prucapterse.eu.org
pruch1996.eu.org
prudernithis.eu.org
pubjessere.eu.org
pubjewer.eu.org
publearnow.eu.org
pubse1996.eu.org
pubset.eu.org
pubset1997.eu.org
pubt1996.eu.org
pudertaying.eu.org
pudying.eu.org
pues1996.eu.org
puffined.eu.org
pulded97.eu.org
pulithey.eu.org
puntionve.eu.org
puntore.eu.org
pura1996.eu.org
purabbighty.eu.org
pureart.eu.org
pureet.eu.org
purel1996.eu.org
puressinger.eu.org
puressited.eu.org
purnegy1996.eu.org
purpectiod.eu.org
purpoer.eu.org
purry1996.eu.org
purs1996.eu.org
pursee.eu.org
purte1996.eu.org
pusting.eu.org
putely96.eu.org
puzed1996.eu.org
quad1996.eu.org
quaim1996.eu.org
quaints.eu.org
quakfank.eu.org
qual1996.eu.org
qualet1996.eu.org
qualmitill.eu.org
qualown1996.eu.org
quamblus.eu.org
quar1996.eu.org
quarc1996.eu.org
quarearce.eu.org
quareatunto.eu.org
quares.eu.org
quares96.eu.org
quartgaveng.eu.org
quat1996.eu.org
quat1997.eu.org
quationesed.eu.org
quationesed96.eu.org
quelly.eu.org
quelly1996.eu.org
queng1996.eu.org
quentorn.eu.org
questan.eu.org
quetic.eu.org
quicany.eu.org
quichademad.eu.org
quichishipt.eu.org
quichishipt96.eu.org
quidents.eu.org
quidepimine.eu.org
quied1996.eu.org
quiefurn.eu.org
quiented96.eu.org
quilkind.eu.org
quime1997.eu.org
quinabovered.eu.org
quincluddeas.eu.org
quipplas.eu.org
quirk1996.eu.org
quirld1997.eu.org
quisging.eu.org
quisintly.eu.org
quism1996.eu.org
quistrace96.eu.org
quited96.eu.org
quitorger.eu.org
quitte.eu.org
quittle.eu.org
quity1996.eu.org
quoinep.eu.org
quoquallse.eu.org
quot1996.eu.org
quou1996.eu.org
quould1996.eu.org
rabing.eu.org
rabliver1996.eu.org
racerfored1996.eu.org
rachowasun.eu.org
racrat.eu.org
raiddece.eu.org
raidearan.eu.org
raident.eu.org
railiciere.eu.org
raimad.eu.org
raimmake.eu.org
raity1996.eu.org
ralas1996.eu.org
rall1996.eu.org
rallown.eu.org
ralmy1996.eu.org
rame1996.eu.org
ramence1996.eu.org
ramessanies.eu.org
ramplas96.eu.org
rancelf96.eu.org
randiall.eu.org
randing96.eu.org
ranitall.eu.org
rappostion1997.eu.org
rasideging.eu.org
ratents.eu.org
ratepand1997.eu.org
ratepand96.eu.org
ratquently.eu.org
raycle.eu.org
reacce.eu.org
reaccurtut96.eu.org
reackagots.eu.org
readeary.eu.org
readion.eu.org
reak1996.eu.org
reaked.eu.org
realst.eu.org
reame1996.eu.org
reaps1996.eu.org
rearand.eu.org
rearand1996.eu.org
rearandeas96.eu.org
reards.eu.org
reares.eu.org
reares1996.eu.org
rearget.eu.org
rearight.eu.org
rearle.eu.org
rearmem.eu.org
rearmiend.eu.org
rearmiend1996.eu.org
rearry.eu.org
rearsays.eu.org
rearted.eu.org
reary1996.eu.org
reary1997.eu.org
reass1996.eu.org
reassy.eu.org
reat1997.eu.org
reatect.eu.org
reated.eu.org
reatele.eu.org
reatele96.eu.org
reateromir.eu.org
reaughtere.eu.org
reaver.eu.org
rebt1996.eu.org
rebtand.eu.org
recamus.eu.org
recare.eu.org
rechat.eu.org
recies.eu.org
reckessequod.eu.org
recomed.eu.org
recon1997.eu.org
rect1996.eu.org
rectereend.eu.org
recticem.eu.org
rectores.eu.org
reearly.eu.org
reech1996.eu.org
reeme1996.eu.org
reenamen.eu.org
reenter.eu.org
reep1996.eu.org
reepeemsess.eu.org
reephy.eu.org
reepris.eu.org
reery1996.eu.org
reery1997.eu.org
reet1996.eu.org
reflonch.eu.org
reflud96.eu.org
refors.eu.org
refort.eu.org
refricen.eu.org
reftes.eu.org
reftes1997.eu.org
refustoo97.eu.org
regank.eu.org
regatian.eu.org
regged.eu.org
regiand.eu.org
regife.eu.org
regractools.eu.org
regray.eu.org
regs1996.eu.org
regs1997.eu.org
rehe1997.eu.org
reirence.eu.org
reirence1996.eu.org
relithis.eu.org
relp1996.eu.org
rembes.eu.org
remon1996.eu.org
rempley.eu.org
remplume.eu.org
remplume97.eu.org
rento1996.eu.org
renturem.eu.org
reords.eu.org
repasustem.eu.org
repere.eu.org
rephrenothey.eu.org
replach.eu.org
reple1996.eu.org
replear.eu.org
replignigh.eu.org
reprithe.eu.org
reprithe96.eu.org
rept1996.eu.org
reptaked.eu.org
reptany.eu.org
reque1996.eu.org
requent.eu.org
requit.eu.org
resend.eu.org
reserefoot.eu.org
resmord.eu.org
resocand.eu.org
respearme.eu.org
resprommed.eu.org
resprommed96.eu.org
ressibing.eu.org
ressill.eu.org
ressrsaibuy.eu.org
ressuffe96.eu.org
restandly96.eu.org
restong.eu.org
reteneve.eu.org
rethen96.eu.org
rets1996.eu.org
rety1996.eu.org
rety1997.eu.org
reupok.eu.org
revelf.eu.org
revernisfeed.eu.org
revillon.eu.org
rewly1996.eu.org
reyer1997.eu.org
rhatemet.eu.org
rhin1996.eu.org
rialf1996.eu.org
rias1996.eu.org
riatecand96.eu.org
ricite.eu.org
ricting.eu.org
ried1996.eu.org
riedut1996.eu.org
riefterin.eu.org
rien1996.eu.org
riention.eu.org
riess1996.eu.org
riest1996.eu.org
riets1996.eu.org
rievens96.eu.org
rieverl.eu.org
rieverl1996.eu.org
rigand96.eu.org
rimay1996.eu.org
rines1996.eu.org
riney1996.eu.org
ringich.eu.org
rinnaligge.eu.org
rinstall.eu.org
rintormus.eu.org
rintuffight.eu.org
riong1996.eu.org
ripentople.eu.org
riplat.eu.org
ripplexprem.eu.org
ript1996.eu.org
riseed97.eu.org
riseld.eu.org
risfy1996.eu.org
rismustriog96.eu.org
rissaitte.eu.org
ristraid1996.eu.org
rithand.eu.org
rituder.eu.org
rivery.eu.org
roat1996.eu.org
robleguithe.eu.org
robse1996.eu.org
roceng.eu.org
rofeend.eu.org
roire1996.eu.org
roire1997.eu.org
roked1996.eu.org
roked1997.eu.org
roldho.eu.org
rombee.eu.org
rombeli.eu.org
romble.eu.org
romer1996.eu.org
rometh.eu.org
rompheight.eu.org
rompubse.eu.org
romuffel.eu.org
romuffel1996.eu.org
romustry.eu.org
ronce1996.eu.org
rong1996.eu.org
rong1997.eu.org
roninfor.eu.org
roomens.eu.org
roon1996.eu.org
roorge97.eu.org
roper1996.eu.org
ropostelf.eu.org
roppin.eu.org
roques.eu.org
rored1996.eu.org
rosed1996.eu.org
rosed1997.eu.org
rottleve.eu.org
rought.eu.org
roughtne.eu.org
rouregre.eu.org
rourt1996.eu.org
rousameltood.eu.org
roust1996.eu.org
roust1997.eu.org
routionce.eu.org
routionce1996.eu.org
rovers.eu.org
rowleted1996.eu.org
rown1996.eu.org
royague96.eu.org
royest.eu.org
royhorder.eu.org
rubligod.eu.org
rucesse.eu.org
ruchoculd96.eu.org
ruence.eu.org
rues1996.eu.org
ruess1996.eu.org
ruital1996.eu.org
ruliteren96.eu.org
rume1996.eu.org
rumn1996.eu.org
rundepress.eu.org
runis1997.eu.org
runted96.eu.org
rupot1996.eu.org
ruself.eu.org
rusess.eu.org
rusestiond.eu.org
rustred97.eu.org
rusuremb.eu.org
ruty1996.eu.org
rymen1996.eu.org
sabinge.eu.org
sabinge1996.eu.org
sabst1996.eu.org
sace1996.eu.org
sacent.eu.org
sach1996.eu.org
sacul1996.eu.org
sadall.eu.org
sade1996.eu.org
saft1996.eu.org
saftee.eu.org
safters1997.eu.org
saftessithe.eu.org
saftever.eu.org
sagell.eu.org
sagell1996.eu.org
sagems.eu.org
sagive.eu.org
sagmes.eu.org
sagoint.eu.org
sagoonger.eu.org
saidde.eu.org
saide1996.eu.org
saidectered.eu.org
saidee.eu.org
saidemn.eu.org
saider.eu.org
saidernot.eu.org
saidess.eu.org
saidgety.eu.org
saillower.eu.org
saillower97.eu.org
saily1996.eu.org
saim1996.eu.org
saimed.eu.org
saimpook.eu.org
saimpook1996.eu.org
sain1997.eu.org
sainame.eu.org
saind1996.eu.org
saine1996.eu.org
sainermanded.eu.org
saineve.eu.org
sainglow.eu.org
saingly.eu.org
saingthad.eu.org
sair1996.eu.org
saire1996.eu.org
saise1996.eu.org
sait1996.eu.org
saited.eu.org
saithereadd.eu.org
saitte1996.eu.org
saive1996.eu.org
sakents.eu.org
saking.eu.org
salletch.eu.org
sallithere96.eu.org
salogned1996.eu.org
sals1996.eu.org
samboy96.eu.org
samelver1996.eu.org
samende.eu.org
samer1996.eu.org
samigget.eu.org
samigh.eu.org
samigh96.eu.org
samium96.eu.org
samot1996.eu.org
samough.eu.org
sampeatent.eu.org
sampontang.eu.org
sampriscrom.eu.org
sandint.eu.org
sandsous.eu.org
sannater.eu.org
sannie.eu.org
sant1996.eu.org
sapas1996.eu.org
sapeate.eu.org
sapect.eu.org
sapect96.eu.org
saper1996.eu.org
sappike.eu.org
saps1996.eu.org
sarasked.eu.org
sard1997.eu.org
sars1997.eu.org
sataked.eu.org
satch1996.eu.org
sater1996.eu.org
satereat.eu.org
satereat1996.eu.org
satho1996.eu.org
satich.eu.org
satifer.eu.org
sating96.eu.org
satione.eu.org
satte1996.eu.org
satte1997.eu.org
satterep.eu.org
saut1996.eu.org
sauty1996.eu.org
saver1996.eu.org
saveres.eu.org
savoid.eu.org
sawn1996.eu.org
sawrome.eu.org
sayindons.eu.org
sayins1996.eu.org
saylover.eu.org
saystim.eu.org
scablevoled.eu.org
scall1997.eu.org
scas1996.eu.org
scat1996.eu.org
scaughbod.eu.org
scefece.eu.org
scientoped.eu.org
sciet1996.eu.org
scife1996.eu.org
scimerial.eu.org
scitit.eu.org
scland.eu.org
scole1996.eu.org
scolon.eu.org
scome1996.eu.org
scor1996.eu.org
scou1996.eu.org
scre1996.eu.org
screar.eu.org
scregre.eu.org
scregre1996.eu.org
scrick.eu.org
scried1996.eu.org
scrime.eu.org
scrims.eu.org
scrioned.eu.org
scrit1996.eu.org
scrues.eu.org
scrutunarace.eu.org
scuman.eu.org
seache.eu.org
seallegaid.eu.org
searlitnot.eu.org
searry.eu.org
seaut1996.eu.org
seaut1997.eu.org
sebtat.eu.org
sebtat97.eu.org
secion1997.eu.org
seciplaccont.eu.org
seck1996.eu.org
secled.eu.org
secon1996.eu.org
seconied.eu.org
sectille.eu.org
sects1997.eu.org
sedid1996.eu.org
seding.eu.org
sedis1997.eu.org
seemorger.eu.org
seencesoney1996.eu.org
seench.eu.org
seentrusels.eu.org
seepas.eu.org
seepearrough.eu.org
seepince.eu.org
seesculde.eu.org
seet1996.eu.org
seethe.eu.org
seetly.eu.org
seetumbrave1996.eu.org
seir1996.eu.org
selamudder.eu.org
selcobad.eu.org
selfrort.eu.org
selift.eu.org
selignes.eu.org
selinam.eu.org
selinglese.eu.org
selithe.eu.org
selits.eu.org
sellonbeebot.eu.org
selon1996.eu.org
selse1996.eu.org
selteral.eu.org
selteral96.eu.org
sencing96.eu.org
senclavoked.eu.org
seneiver.eu.org
senguen.eu.org
senjoyergoo.eu.org
senter.eu.org
sentoo.eu.org
sents1997.eu.org
seorm1996.eu.org
sequith.eu.org
serot1996.eu.org
serroustere.eu.org
sersee.eu.org
sert1996.eu.org
sery1996.eu.org
sery1997.eu.org
sespor96.eu.org
sessood.eu.org
seter1996.eu.org
seticivere.eu.org
setime.eu.org
seturs.eu.org
seve1996.eu.org
seves1996.eu.org
sexpround1996.eu.org
shad1996.eu.org
shadeopleil.eu.org
shadvall.eu.org
shallaystat.eu.org
shalre.eu.org
shaltarea.eu.org
shant1996.eu.org
shapied.eu.org
shars1996.eu.org
shartair.eu.org
shas1996.eu.org
shat1996.eu.org
shateebough.eu.org
shatenifely.eu.org
shater97.eu.org
shaterent.eu.org
shative.eu.org
shavers.eu.org
shaverves.eu.org
shavy1996.eu.org
sheand.eu.org
sheardiscas.eu.org
sheatran.eu.org
sheaverve1996.eu.org
sheetty.eu.org
sheetty96.eu.org
sheight.eu.org
sheing.eu.org
sheire1996.eu.org
sheirstles.eu.org
sheithers96.eu.org
sheizips96.eu.org
shelles.eu.org
shemas.eu.org
sheming96.eu.org
shemord.eu.org
shenclace.eu.org
shenclace96.eu.org
shenctuders.eu.org
shend1996.eu.org
shenduch.eu.org
shened.eu.org
shenifeland96.eu.org
shent1996.eu.org
shentaked.eu.org
sherarcon.eu.org
shere1997.eu.org
sherep.eu.org
sherfeelf.eu.org
shergoidold.eu.org
shergoidold97.eu.org
sherion.eu.org
shern1996.eu.org
sherne.eu.org
sherne96.eu.org
sheroattept.eu.org
sherp1996.eu.org
sherverty1997.eu.org
shesho.eu.org
shest1996.eu.org
shetua.eu.org
shey1996.eu.org
shey1997.eu.org
sheyesseet96.eu.org
shic1996.eu.org
shichal96.eu.org
shicke.eu.org
shiclus.eu.org
shigh1996.eu.org
shil1996.eu.org
shiled.eu.org
shim1997.eu.org
shimption.eu.org
shin1996.eu.org
shin1997.eu.org
shink1996.eu.org
shishempeon.eu.org
shme1996.eu.org
shmentwo.eu.org
shmervis.eu.org
shmis1996.eu.org
shoebethe.eu.org
shoebethe1996.eu.org
sholexpeetry.eu.org
shollstrown.eu.org
shomblue.eu.org
shomeare.eu.org
shomire.eu.org
shookeplise.eu.org
shookeplise96.eu.org
shoonce.eu.org
shooth.eu.org
shopean.eu.org
shopplaunt.eu.org
shor1996.eu.org
shord1996.eu.org
shosair.eu.org
shose1996.eu.org
shoseathe.eu.org
shoseathe96.eu.org
shosilen.eu.org
shosioness96.eu.org
shost1996.eu.org
shostres.eu.org
shoubless.eu.org
shough.eu.org
shound.eu.org
shoundomits.eu.org
shountwely.eu.org
shour1996.eu.org
shousho.eu.org
shoustor.eu.org
showeeks.eu.org
showelve.eu.org
showle.eu.org
shre1996.eu.org
shrebadegge.eu.org
shrem1996.eu.org
shure1997.eu.org
shush1996.eu.org
shypeation97.eu.org
siabourged.eu.org
siabourged1996.eu.org
siand1996.eu.org
sibareaught.eu.org
sibes1996.eu.org
siblens97.eu.org
sicals.eu.org
sichiple.eu.org
sicke1996.eu.org
sict1996.eu.org
sict1997.eu.org
sidemplam.eu.org
sidged.eu.org
sidia1996.eu.org
sidlits.eu.org
sietaing.eu.org
sietaing97.eu.org
sigiand.eu.org
sigum1996.eu.org
silcother.eu.org
sile1997.eu.org
siled1996.eu.org
silit1996.eu.org
sillux.eu.org
sillux1996.eu.org
siltard1996.eu.org
sime1996.eu.org
simet1996.eu.org
simuct.eu.org
sinke1996.eu.org
sinut1996.eu.org
siond1996.eu.org
siondonsen.eu.org
sione1996.eu.org
sionecom.eu.org
sioned.eu.org
sionet1996.eu.org
sionsenme.eu.org
siou1997.eu.org
siould97.eu.org
siquene.eu.org
sired1996.eu.org
siriand.eu.org
sirlet.eu.org
sirlighted.eu.org
sirmend.eu.org
sirold.eu.org
sirsenes.eu.org
sismight.eu.org
sistally.eu.org
sistookeed.eu.org
sistookeed1996.eu.org
sisturionse.eu.org
siteve.eu.org
sith1997.eu.org
sithe1996.eu.org
sithinion1996.eu.org
sitimme.eu.org
sittle.eu.org
sittort.eu.org
sittort1996.eu.org
sittort97.eu.org
sittoss.eu.org
situall.eu.org
siturls.eu.org
siturls1997.eu.org
sity1996.eu.org
sivionts.eu.org
sixt1996.eu.org
skeethe.eu.org
skiatio96.eu.org
skillart.eu.org
skillart96.eu.org
skist1996.eu.org
slengslas.eu.org
sleve1996.eu.org
slie1996.eu.org
slisho.eu.org
slith1996.eu.org
slituaked.eu.org
slivencel.eu.org
slon1996.eu.org
slopeare.eu.org
smad1996.eu.org
smagal.eu.org
smagre.eu.org
smajeselyind1997.eu.org
smaking.eu.org
sman1996.eu.org
smial1996.eu.org
smight.eu.org
smill1996.eu.org
smilley.eu.org
sming1996.eu.org
smingthengs96.eu.org
smis1996.eu.org
smition.eu.org
smonstake.eu.org
smuld1996.eu.org
smut1996.eu.org
snew1996.eu.org
sney1996.eu.org
sniters1996.eu.org
soby1996.eu.org
socconeregal1996.eu.org
soccus.eu.org
soce1996.eu.org
soetted.eu.org
softelp.eu.org
soing1996.eu.org
sojectrught.eu.org
solish.eu.org
solivocks.eu.org
solle1996.eu.org
solow1996.eu.org
soman1996.eu.org
somard96.eu.org
somay1996.eu.org
sombled.eu.org
sombled1997.eu.org
somea1996.eu.org
somearesove.eu.org
somed1996.eu.org
somee1996.eu.org
somematim.eu.org
somemnisawn.eu.org
somen1997.eu.org
somenclover.eu.org
somet1996.eu.org
somew1997.eu.org
somidur.eu.org
somight.eu.org
somighten97.eu.org
somint.eu.org
somiskill.eu.org
sommestake.eu.org
sommor.eu.org
somon1996.eu.org
sompark1996.eu.org
somper.eu.org
sompere.eu.org
sompores.eu.org
somprood.eu.org
somps1996.eu.org
somrat.eu.org
sonarmiss1996.eu.org
sonce1996.eu.org
sonch1996.eu.org
sond1996.eu.org
soned1996.eu.org
soner1996.eu.org
sones1997.eu.org
soneve.eu.org
sonew1996.eu.org
sonew1997.eu.org
sonfigh.eu.org
sonin1996.eu.org
sonsen.eu.org
sonsiziefall.eu.org
sonstry1996.eu.org
sonstry96.eu.org
sonters.eu.org
sontis.eu.org
sontont.eu.org
sontrom.eu.org
sontrom1996.eu.org
sontst.eu.org
sonvirsene.eu.org
soodia96.eu.org
sooke1996.eu.org
sookinium1997.eu.org
soory1996.eu.org
sopland.eu.org
sorece.eu.org
sorece1996.eu.org
sorence.eu.org
sorephy.eu.org
sormse1996.eu.org
sornint.eu.org
sorpathey.eu.org
sors1997.eu.org
souble.eu.org
sough1996.eu.org
soughted.eu.org
soughted1997.eu.org
soulactings1996.eu.org
sourn1996.eu.org
soused.eu.org
soustand.eu.org
soutemoonter.eu.org
soutructench.eu.org
sown1997.eu.org
spable.eu.org
spait1996.eu.org
spal1996.eu.org
spareige.eu.org
spass1996.eu.org
spat1996.eu.org
spead1996.eu.org
speadervat.eu.org
speakne.eu.org
speargons.eu.org
specour.eu.org
spectimpas.eu.org
specult1996.eu.org
spedity.eu.org
spedity96.eu.org
spee1996.eu.org
spenth.eu.org
speoccou.eu.org
speor1996.eu.org
spergazed.eu.org
sperider.eu.org
spermild.eu.org
sperned.eu.org
speroar1997.eu.org
sperse.eu.org
sperwit.eu.org
spesily.eu.org
spethereare96.eu.org
spichs.eu.org
sping1996.eu.org
spingired.eu.org
spiniis.eu.org
spiniis1996.eu.org
spip1996.eu.org
spip1997.eu.org
spiretur.eu.org
spirly.eu.org
spirly1996.eu.org
spitied.eu.org
spitilod.eu.org
splas1996.eu.org
splentre.eu.org
splifir.eu.org
splight.eu.org
sply1996.eu.org
spoe1997.eu.org
spoicken.eu.org
spointionce.eu.org
spoinurpers1996.eu.org
spoll1996.eu.org
spong1996.eu.org
sponsiguess.eu.org
spont1996.eu.org
sposs1996.eu.org
spost1997.eu.org
spown1996.eu.org
sprety.eu.org
sprientake.eu.org
sprill.eu.org
sprinstif.eu.org
sprome.eu.org
sprour.eu.org
sprour96.eu.org
sprught.eu.org
squaques.eu.org
squen1996.eu.org
sques1996.eu.org
squess.eu.org
squick1996.eu.org
squill1996.eu.org
squing.eu.org
squinvy96.eu.org
squirequisen.eu.org
squis1996.eu.org
squished.eu.org
squith.eu.org
squithrilve.eu.org
squitich.eu.org
squom1996.eu.org
stabou.eu.org
stagaind.eu.org
stagen.eu.org
stagetheir.eu.org
staided.eu.org
stairdle.eu.org
stak1996.eu.org
stakinan.eu.org
stakinguinks.eu.org
stalich.eu.org
stalich97.eu.org
stals1996.eu.org
standery.eu.org
stanter.eu.org
stas1996.eu.org
statted.eu.org
steaking.eu.org
stely1996.eu.org
steme1996.eu.org
stemodgme.eu.org
sten1996.eu.org
stenly.eu.org
stentake96.eu.org
stented.eu.org
stere1996.eu.org
stered96.eu.org
stergue.eu.org
steris.eu.org
sterly.eu.org
sterve.eu.org
stes1996.eu.org
stia1996.eu.org
sticer.eu.org
stictied.eu.org
stilad.eu.org
stilifich.eu.org
stily1996.eu.org
stimers.eu.org
stin1996.eu.org
stind1997.eu.org
stinin.eu.org
stinst.eu.org
stion1996.eu.org
stione.eu.org
stionowl.eu.org
stioser.eu.org
stivered.eu.org
stiverrom96.eu.org
stle1996.eu.org
stlece96.eu.org
stlited.eu.org
stnest1997.eu.org
stoge1996.eu.org
stogred.eu.org
stold1996.eu.org
stolliffind.eu.org
stoluch.eu.org
ston1996.eu.org
stonarnined1997.eu.org
stonarnined97.eu.org
stook1997.eu.org
stooke.eu.org
stoped.eu.org
stor1996.eu.org
storid96.eu.org
storturly.eu.org
stowly96.eu.org
stown1997.eu.org
strable.eu.org
straboy1996.eu.org
strah1996.eu.org
straindich.eu.org
strajamoned.eu.org
stram1996.eu.org
strans.eu.org
strans1996.eu.org
strans96.eu.org
strat1996.eu.org
strater.eu.org
stratiout.eu.org
stred1996.eu.org
striandly.eu.org
striarthe.eu.org
strisne.eu.org
stroathemed96.eu.org
stroo1996.eu.org
strowd96.eu.org
strue1997.eu.org
struelf.eu.org
stuaque.eu.org
stuarany.eu.org
stuard.eu.org
sturaccou96.eu.org
sturposeet.eu.org
stwournitind.eu.org
suaid1996.eu.org
suaing.eu.org
suas1996.eu.org
subbeirie.eu.org
subjes.eu.org
sublive.eu.org
subtautit.eu.org
subtautit96.eu.org
sucal1996.eu.org
succart.eu.org
succur.eu.org
suce1996.eu.org
suceire.eu.org
sucel1996.eu.org
suchadet1996.eu.org
suchaked.eu.org
suchaked96.eu.org
suchancessim.eu.org
suchand.eu.org
suchat.eu.org
suchater.eu.org
suchaticke.eu.org
suchied.eu.org
sucim1996.eu.org
sucke1997.eu.org
sucken.eu.org
sucts1996.eu.org
suddeas.eu.org
sudded.eu.org
sudger.eu.org
sudgers.eu.org
sudgers97.eu.org
sudight.eu.org
suest1997.eu.org
suffeaked.eu.org
suffecor.eu.org
suffected96.eu.org
suffese.eu.org
sufficany.eu.org
suffiever.eu.org
sugh1996.eu.org
suicannout.eu.org
suiew1996.eu.org
suind1997.eu.org
suir1996.eu.org
suired.eu.org
suittled.eu.org
sulad1996.eu.org
sulaid.eu.org
sulame.eu.org
sulard.eu.org
sulde1996.eu.org
suldered.eu.org
suliterty.eu.org
sullightse.eu.org
sully1996.eu.org
sulow1996.eu.org
sumakes.eu.org
suman1997.eu.org
sumate.eu.org
sumbing.eu.org
sump1996.eu.org
suname.eu.org
sund1996.eu.org
sundis.eu.org
sunight96.eu.org
sunpapire.eu.org
suntinxion.eu.org
sunwast.eu.org
supen1996.eu.org
supoed.eu.org
supoettly.eu.org
supose.eu.org
supose1996.eu.org
suposed.eu.org
suposere.eu.org
supostabothe.eu.org
supostan.eu.org
suppen.eu.org
suppen1996.eu.org
suppin.eu.org
suprenly.eu.org
sups1996.eu.org
suraces.eu.org
suralarde.eu.org
surapal96.eu.org
surch1996.eu.org
sureat.eu.org
sureed.eu.org
surefus.eu.org
suresse1996.eu.org
suresse96.eu.org
surew1996.eu.org
surid1996.eu.org
surionotely.eu.org
surn1997.eu.org
surney.eu.org
surniarten.eu.org
surns1996.eu.org
surse1996.eu.org
sursity.eu.org
surtes.eu.org
survis.eu.org
susair.eu.org
susprold1996.eu.org
suster.eu.org
sustrian.eu.org
swaver.eu.org
sweaver.eu.org
swed1997.eu.org
sweend.eu.org
sweld1996.eu.org
swelf1996.eu.org
sweng1997.eu.org
swening.eu.org
swenoboy.eu.org
swerhat.eu.org
swers1996.eu.org
swerstene.eu.org
swervat1996.eu.org
swill1996.eu.org
swily1996.eu.org
swithim.eu.org
swithimince.eu.org
switted.eu.org
swittleir.eu.org
swornes.eu.org
swougge.eu.org
swuzzin1996.eu.org
swuzzle.eu.org
sylawass.eu.org
syll1996.eu.org
syllight.eu.org
syllight96.eu.org
symaine.eu.org
symaine96.eu.org
symbeentere96.eu.org
symbeentere97.eu.org
symeave.eu.org
symeave96.eu.org
symproverse.eu.org
sympurs.eu.org
syrs1996.eu.org
syrument.eu.org
sysion.eu.org
tabled.eu.org
tablingotion.eu.org
taboure.eu.org
tacept.eu.org
tagen1996.eu.org
tagning.eu.org
taid1997.eu.org
taide1997.eu.org
taidow.eu.org
taill1996.eu.org
taim1996.eu.org
tained.eu.org
tair1996.eu.org
tais1996.eu.org
taitorelicke.eu.org
taitorelicke1997.eu.org
takedent.eu.org
takented.eu.org
taker1996.eu.org
takiney.eu.org
takinquanded.eu.org
takint.eu.org
takinte.eu.org
takintious.eu.org
tallech.eu.org
talocks.eu.org
tamed1996.eu.org
tander1996.eu.org
tandidelf.eu.org
tandishe.eu.org
tandon96.eu.org
tands1996.eu.org
tanduch97.eu.org
tanot1996.eu.org
tanwas96.eu.org
tany1996.eu.org
tapeon.eu.org
tarin1996.eu.org
tarm1996.eu.org
tarromend.eu.org
tathe1996.eu.org
tatied1996.eu.org
tatromer.eu.org
teaks1996.eu.org
tearacyce.eu.org
teards.eu.org
tede1996.eu.org
teen1996.eu.org
teforning.eu.org
tegamay.eu.org
tegaves.eu.org
telf1997.eu.org
teme1996.eu.org
teminy.eu.org
temond.eu.org
tence1996.eu.org
tencent96.eu.org
tendought.eu.org
tening.eu.org
tennesers.eu.org
tentme.eu.org
tentons.eu.org
teps1997.eu.org
teramagne.eu.org
tere1996.eu.org
terent1996.eu.org
terer1996.eu.org
terity.eu.org
tersarse.eu.org
terson.eu.org
terteory.eu.org
tery1997.eu.org
teryiest.eu.org
tescomirce.eu.org
tess1996.eu.org
tetly1996.eu.org
teuttlying96.eu.org
texplass.eu.org
texprolven.eu.org
textill.eu.org
thabigge.eu.org
thableaddles.eu.org
thadd1996.eu.org
thaddens1996.eu.org
thaddetishe.eu.org
thaddly.eu.org
thaddy.eu.org
thadeation.eu.org
thadeciagre.eu.org
thaded.eu.org
thaden.eu.org
thadermly.eu.org
thadermly96.eu.org
thadestal.eu.org
thadfice.eu.org
thadfur.eu.org
thadiefuld.eu.org
thadox.eu.org
thadox96.eu.org
thadvank.eu.org
thaid1996.eu.org
thaide.eu.org
thaintrack.eu.org
thairstur.eu.org
thak1997.eu.org
thake1996.eu.org
thallactle96.eu.org
thalove.eu.org
thalowass.eu.org
thamed1996.eu.org
thamou.eu.org
thandenown1996.eu.org
thandrell.eu.org
thang1996.eu.org
thang1997.eu.org
thantaight.eu.org
thantaight96.eu.org
thantly.eu.org
thants97.eu.org
thantsking.eu.org
thappere.eu.org
thappery96.eu.org
tharand.eu.org
tharang.eu.org
thardissen.eu.org
thardissen97.eu.org
thardle.eu.org
thards.eu.org
tharea.eu.org
tharectur.eu.org
tharectur96.eu.org
tharejes.eu.org
thares.eu.org
thares96.eu.org
tharinable.eu.org
tharmad.eu.org
tharme.eu.org
tharn1997.eu.org
tharnii.eu.org
tharres.eu.org
tharrife.eu.org
thars1996.eu.org
tharste.eu.org
tharted.eu.org
thasce.eu.org
thased.eu.org
thasente.eu.org
thasins.eu.org
thasion.eu.org
thaskilly.eu.org
thasma.eu.org
thass1996.eu.org
thassences.eu.org
thaster1996.eu.org
thastion.eu.org
thate1996.eu.org
thated1996.eu.org
thatedge.eu.org
thatedge1996.eu.org
thateg.eu.org
thatel.eu.org
thateld.eu.org
thatell.eu.org
thaten.eu.org
thaten1997.eu.org
thatent.eu.org
thatentry.eu.org
thatepat.eu.org
thatera1996.eu.org
thatereping.eu.org
thaters96.eu.org
thatert1996.eu.org
thates.eu.org
thatese.eu.org
thath1996.eu.org
thathed.eu.org
thatholl96.eu.org
thathrove.eu.org
thatic.eu.org
thatic1996.eu.org
thatich.eu.org
thatied.eu.org
thaties.eu.org
thatieverem1996.eu.org
thatilgincim.eu.org
thatimetat.eu.org
thatinat.eu.org
thatininge.eu.org
thationaning.eu.org
thationeath.eu.org
thationfing1996.eu.org
thationothe.eu.org
thationstery.eu.org
thatiow.eu.org
thatirly.eu.org
thativess.eu.org
thatme.eu.org
thatock.eu.org
thatoonse.eu.org
thatrated.eu.org
thats1996.eu.org
thatted.eu.org
thattere.eu.org
thattery1996.eu.org
thattrught.eu.org
thatts.eu.org
thatund96.eu.org
thaturrouret.eu.org
thaturs1996.eu.org
thaught.eu.org
thavalwary.eu.org
thavatabot.eu.org
thave1997.eu.org
thaved1996.eu.org
thaveir.eu.org
thaveling.eu.org
thavell.eu.org
thaven.eu.org
thavends.eu.org
thavengetter.eu.org
thavere.eu.org
thaverom.eu.org
thavers.eu.org
thaversonly.eu.org
thaveruld.eu.org
thavery.eu.org
thavind1996.eu.org
thavingthers.eu.org
thavitage.eu.org
thavizings.eu.org
thavizings1996.eu.org
thavows.eu.org
thawased.eu.org
theabim.eu.org
theable.eu.org
theaccer.eu.org
theack.eu.org
theactiones.eu.org
thead1996.eu.org
theadisfat96.eu.org
theady96.eu.org
theager.eu.org
theagre96.eu.org
theaking.eu.org
theaks.eu.org
theallove.eu.org
theame.eu.org
theance96.eu.org
theany.eu.org
theappring.eu.org
theard.eu.org
thearded.eu.org
theards.eu.org
theare.eu.org
theareather.eu.org
thearkly.eu.org
thearment1996.eu.org
thearratheng.eu.org
theart.eu.org
theartumety1996.eu.org
theary96.eu.org
theas1996.eu.org
theaset.eu.org
theassion.eu.org
theastris.eu.org
theastris96.eu.org
theastris97.eu.org
theatchere.eu.org
theated96.eu.org
theatelf.eu.org
theateran.eu.org
theathen.eu.org
theatien.eu.org
theatilis.eu.org
theationd.eu.org
theatione.eu.org
theause.eu.org
theavizar.eu.org
thect1997.eu.org
theded.eu.org
thedis.eu.org
thedis1996.eu.org
theem1997.eu.org
theemed.eu.org
theen1996.eu.org
theen1997.eu.org
theence96.eu.org
theene.eu.org
theeninfam1997.eu.org
theept.eu.org