11/07/2011

Exasperation over stupid housing policies

An article by A Chan in the TOC is the manifestation of so much exasperation over stupid housing policies that have made our very own citizens feeling very frustrated, discriminated and angry with the govt that claimed to be looking after their interests, for their own good.

And many daft Singaporeans are arguing and pulling their hair over why this and why that, why not a bit more or a bit less? They forgot that the whole policy is flawed from its first premise. It was designed on the assumption that they cannot build enough flats for every citizen and therefore have to ration the flats, subsidised the lower income, and not allowing the higher income to buy public flats or compete with the lower income. This is the biggest bull and the biggest myth.

If the premise is that housing is a basic need and everyone needs a roof over his head, and it is the govt’s responsibility to provide this need, then all the silly rules and regulations will become irrelevant instantly.

Hsien Loong is asking the people to give suggestions, to change govt policies that are no longer relevant, or even stupid, then the housing policy is one that need to be buried and forgotten, and get a fresh new start.

Public housing is for the people, regardless of income level, just like NS is for every citizen regardless of his status or background. An NS man, rich or poor, pledges to defend this country and all. He needs at least a home to do that, to have something to protect in the first place.

And why the need to have all the salary ceilings with all the idiotic definitions? Count this don’t count that, commission counted, bonuses not counted. I have heard of cases when on study leave with no pay but a subsistence allowance for several years, HDB still insists on including the pay as the income. Technically, two incomes of $5k will be $10k. When one is on study leave without pay but a small subsistence allowance for several years, the income is really $5k plus the subsistence allowance which will not even touch $8k. But applicant disqualified.

Putting aside the issue of not building enough flats, all young couples need a flat to start their lives. For one reason or another, some delayed in getting married for many years and ended up in a situation when their incomes will exceed whatever ceiling is in place. Some joker blames the young for not planning their marriage and applying for a flat early. This is the most idiotic reasoning coming from the super talents. Not everyone can plan their marriages like planning to have breakfast.

If it is possible that every young couple can get hitched at 25 or the first few years on coming into the job market, then all the ceilings will no longer apply. It is only when they could not get hitch in time that this silly ruling will come in to affect their chances. And because of the unwillingness to build to meet the demands, many could not get their flats in time and by the time they were awarded one, their incomes could exceed the ceiling and be disqualified as well.

Back to my main point, the govt must build enough flats for all first timers regardless of their income level. This is a basic and primary need to start a family, to start a life. Failing to do this is a failure on the govt’s part to provide for the people. There could be some rules to keep public housing from being abused, like owners of private properties. Other than some major exclusions, all citizens must be entitled to buy their first flats and income should not be a determinant of their eligibility or the types of flats they can or cannot buy.

The govt’s key responsibility is to house its citizens. How much the citizens want to pay, what type of flats they need should be left to the discretion of the people. Maybe qualification against those who wants to buy beyond their means. Definitely not to force anyone to buy beyond their means.

Housing needs not be such a pain if the govt just build and this will remove all the frustrations that the people are facing because of the flawed assumptions in the housing policies. Or is this a sacred cow that cannot be slewed?

76 comments:

  1. My view on this would be offensive to many.HDB is unable to built enough BTOs in a short period and thus they should not raise the income ceiling at this time.

    Having done so will result in those with lesser earning having a lesser chance to secure a flat.
    If we will to look into welfare,those lower income should be given priority and it is a mistake,in my view to raise the income ceiling at this time.

    But after losing some votes,they garang gabok,gabra jebra,thinking that the raising of income ceiling to 10 K will please more people.,but it will result in those with lesser earning facing more difficulties to secure a flat.
    This will also result in flat being more unaffordable .

    And Ms A Chan is having a total income of 8.9k at the time of application when the income for application ceiling is 8 K.
    It only shows that HDB fail in their part not to disqualify her
    and gave her queue number instead.
    Ask Ms Chan whether is she starting a family or for the purpose of having more flats.

    Lets not disturb the nature, trees,birds,snakes and cemeteries ,just to built more flats.
    Housing should only be built at the last resort and base on the needs.
    Children should learn to stay with their parent and not think of getting a flat once married.
    Sadly,many are brainwash and think it is a common practice.
    Ms A Chan's gave a wrong impression that having a 8.9K income is a norm
    and at the same time ,praising the minister for raising the income ceiling and HDB's fairness to execute it.
    I am one who do not appreciate the idea of raising the income ceiling at this time.
    However,other than income ceiling,there are indeed many rules that can be fine tune.

    ReplyDelete
  2. $12K...income,u write this article to hope can buy flat cheap cheap?? Please,we need the flat more then u, borrow a reply from TOC-"You are earning quite a lot so u should get out of the hdb q and move to the private residential market. Leave the hdb q to your poorer fellow citizen"
    Agongkia sharing is true,why must government please those earning $8K above?

    ReplyDelete
  3. Joke - Changing Singapore (light bulbs)

    How many complexity minded Singapore policy makers does it take to change a light bulb?

    Answer
    ------
    Five.
    One policy maker to stand on a chair to hold the old light bulb.
    Four policy makers to push the chair around in an anti-clockwise direction to unscrew the light bulb.

    ReplyDelete
  4. Singaporeans are indeed daft to the core. They cannot see the woods from the trees.

    The neighbour's dog shit at the front gate. They argued day and night that perhaps it would be ok if the dog shit 1 metre further. Or perhaps if the shit is smaller, and thank God it is only shit, etc etc.

    In the first place the shit should not be there. And what is the cause of the shit? Dum dum.

    The housing problem is the shit.

    ReplyDelete
  5. Singaporeans do not know the colour of the shit in the country;

    Is it white, red or blue?

    ReplyDelete
  6. We call it stupid but they think themselves as highly successful in tackling public housing.

    HDB is turning into a shithole. Nothing but shit and all shit policies. It is a scam to empty our CPF to the last cent by selling us the dumb idea that the more your HDB is worth the richer you are. Everyone is becoming millionaires, so what?

    We cannot even afford to retire to lead a simple life now despite all the astronomical home prices, making us half or three quarter millionaires.

    Can poorer people cash out and live on their profits? It is all a fallacy!

    ReplyDelete
  7. Not to mention that you need to pay at least $70k before you can own a car! Thanks to the @%^!

    ReplyDelete
  8. shithole? Are you still staying there? If no,Don't insult our home,if Yes,why you still sleeping with shit? Sell away & move to other country please,you be more Happy. People in shithole also happy without you.

    ReplyDelete
  9. @ ANON 7.02pm

    I'm not moving anywhere.
    I'm staying behind to clean out the shit in my country.

    Too many cling-ons like you sticking around the old ass hole.

    GE 2016. Your time is up.

    ReplyDelete
  10. Excellent rebuttal Anon 8.10.

    Bulls-eye on the perception that many cling-ons still buzzing around the asshole thinking it is paradise and singing praises about the smell.

    I am not moving elsewhere too because I hate to move aside for the parasites.

    Cleaning up the shithole is the job of Singaporeans in 2016 after seeing my country soiled beyond recognition by the bootlickers, ball-carriers and cling-ons and those imported over the last decade.

    Yes, clean up the shithole in 2016 and reclaim reality.

    ReplyDelete
  11. anon 7:02 is a foreign shit

    ReplyDelete
  12. anon 7.02

    You only knows how to tell others to go away.,but not knowing that you can chose not visit this site.
    Contribute and share your idea if you have,to help to clear the shits,not tell others to sell their houses and go away .

    Really TongBorBin.

    ReplyDelete
  13. Anon 7.02 had given Sicgaporeans the best piece of advice ever. He/she was right, go seek happiness where You can get. Do not wait for happiness here in Sin while blaming everything here. There could be something very wrong with the way Sicgaporeans handle themselves!

    ReplyDelete
  14. To anon 1:08. You must be those contented Sinkies, probably very happy with what you have. Maybe living in private properties.

    Not everyone will think it is wise to spend all their money on a roof over their heads. It is only prudent to save for retirement and not let people force you to dump everything in a roof and then blame you for not having enough money for retirement.

    It is better to buy one within your means and have some money in your savings. I don't believe in bravery and taking huge loans and pray that the income will keep coming in for the next 30 years.

    Bravery or recklessness, or unthinking, it is just an opinion.

    ReplyDelete
  15. Not Happy,move to other country,don't KPKB.
    Or actually you are not good enough to move to other country, meh... No wonder...no place for you these loser.
    This country belong to those who love,value& treasure who she is,not like some of you who spread bad words about her.

    ReplyDelete
  16. What say man. Someone earning from hands to mouth still talking so big. Got earn $2000 or not?

    ReplyDelete
  17. No complaints please. The government has promised no one will be homeless, meals will be delivered to You and no one will be deprive of any medical treatment.

    If anyone found anyone in predicament of shelter, food and medicare, please call the Prime Minister Office.

    ReplyDelete
  18. I like the valuable info you provide in your articles.
    I’ll bookmark your blog

    and check again here regularly. I'm quite sure I will learn many new stuff right here! Good luck for the next!

    Here is my web-site; http://tgsfree4allinfo.blogspot.ru/2011/11/lost-treasure-from-us-civil-war.html
    Also visit my web blog Tenerife

    ReplyDelete
  19. I'm really inspired with your writing

    abilities as smartly as with the structure in your

    weblog. Is that this a paid theme or did you modify it

    your self? Anyway keep up the excellent high quality writing, it’s

    uncommon to see a great weblog like this one nowadays..

    Also visit my weblog: superativo.blogspot.fr
    Also visit my blog post : spain gardening forum Rincon de la Victoria

    ReplyDelete
  20. Great - I should certainly pronounce, impressed with your web site.
    I had no trouble

    navigating through all the tabs as well as related
    information ended up being truly simple to do

    to access. I recently found what I hoped for before you know it in the least.
    Quite unusual. Is

    likely to appreciate it for those who add forums or anything,
    web site theme . a tones way for

    your client to communicate. Nice task..

    Also visit my site http://softline.xgeo.pl/wiki/index.php?title=Użytkownik:KhadijahTaylor79
    My page :: do-it-yourself solar swimming pool heating

    ReplyDelete
  21. I wish to show thanks to

    this writer just for rescuing me from such a

    problem. Right after surfing around through the

    search engines and seeing

    methods which are not powerful, I thought my life was

    over. Being alive devoid of the

    strategies to the issues you have fixed all through this article content is a serious case, and ones which might have adversely

    affected my career if I hadn't discovered the blog. Your

    expertise and kindness in

    dealing with all the things was priceless. I don't know what I

    would have done if I had not come upon such a step like this.

    It's possible to at

    this time look forward to my future. Thanks so

    much for the professional and

    results-oriented help. I won't

    think twice to suggest your web sites to anyone who would like assistance

    about this subject matter.

    my blog post http://lonlavilla.pixnet.net/blog/post/25447660
    Here is my page :: Living in Spain

    ReplyDelete
  22. I have learn some good stuff here. Definitely worth bookmarking for revisiting.
    I surprise how much attempt you

    place to make this type of excellent informative web site.



    Feel free to visit my weblog :: misssunshinesparkle.blogspot.ru
    Here is my webpage ... digipro drawing tablet

    ReplyDelete
  23. I do not even understand how I stopped up right here,


    but I believed this submit used to be good. I

    do not know who you are but definitely you are going to
    a famous blogger in the event you are not already ;) Cheers!


    Also visit my weblog - jackcusumano.wordpress.com
    My web-site Alplist.Com

    ReplyDelete
  24. Wow, wonderful blog format! How long have you been blogging
    for? you made blogging

    look easy. The entire glance of your site is magnificent, let alone the content material!


    my site ... marcopolo168.pixnet.net
    My webpage - spain weather in october

    ReplyDelete
  25. I don’t even know how I ended up here,

    but I believed this publish was once good. I

    don't recognize who you might be however

    certainly you're going to a well-known blogger in case

    you are not already ;) Cheers!

    Here is my web site http://factsonfootball.blogspot.ru/
    My site - Plan

    ReplyDelete
  26. Heya i am for the first time here. I found this board and I find It really useful & it helped

    me out a lot. I hope to give something back and aid others like
    you helped me.

    my page: http://www.web-directory.mobi/user_detail.php?u=marylnflores90
    My weblog ronaldo spain news Roquetas de Mar

    ReplyDelete
  27. I don’t even know how I ended up here, but I thought this post was great.
    I don't know who you are

    but definitely you are going to a famous blogger if you are not already ;) Cheers!

    My blog iamonline.eb2a.com
    Look into my web site : Valverde Gomera

    ReplyDelete
  28. very good post, i certainly love this website, keep on it

    my website lyricsofnepalisong.blogspot.com
    Also visit my webpage :: Community

    ReplyDelete
  29. With everything which

    appears to be building within this specific area, many of your opinions are actually relatively radical.
    On the other hand, I beg your pardon, because I can not give credence to your

    whole strategy, all be it exciting none the

    less. It looks to everyone that your opinions

    are not totally rationalized and in actuality you are yourself not even completely confident of your assertion.
    In any case I did take pleasure in examining it.

    Feel free to surf to my blog http://www.hopkinsoil.com/price-updates/entry/todays-gas-a-diesel-price-updates-311.html
    my web site > cheap fares to mumbai

    ReplyDelete
  30. Well I truly liked reading it. This information offered
    by you is very effective for good planning.

    Also visit my web site - pakpoliticsinfo.blogspot.com
    My web site ... specs eyeglasses

    ReplyDelete
  31. I haven’t checked in here for some time because I thought it was getting
    boring, but the

    last few posts are good quality so I guess I will add you back to my daily bloglist.


    You deserve it friend :)

    Feel free to surf to my page; http://wiki.tajdidlinux.org
    Also see my page - the boy in the striped pyjamas trailer

    ReplyDelete
  32. This web page is known as a stroll-

    by for all the information you wanted about this and didn’t know who to ask.
    Glimpse right here, and also you’ll

    undoubtedly uncover it.1
    There is noticeably a bundle to learn about this.
    I assume you made

    certain good factors in options also.

    Feel free to visit my web page - u-trade.co.th
    My web site : high interest investments

    ReplyDelete
  33. very nice publish, i definitely love this website,

    carry on it

    Here is my website http://www.devilsoldhissoul.com/
    my site :: weather spain jan

    ReplyDelete
  34. Hi, I think your site might be having browser compatibility issues.
    When I look at

    your blog site in Chrome, it looks fine but when opening in Internet Explorer, it

    has some overlapping. I just wanted to give you a quick heads up!
    Other then that, excellent blog!

    My web page: redjunglefowl.360bookmarks.com
    Also visit my web site ... do-it-yourself solar heating

    ReplyDelete
  35. It is perfect time to make some plans for the future and it's time to be happy. I've read this post and if
    I could I desire to suggest you few interesting things or

    tips. Perhaps you can write next articles referring to this article.
    I desire to read more things about it!

    Here is my webpage; perpg.punbb-hosting.com
    Also visit my web blog Elche Costa Blanca

    ReplyDelete
  36. I've been surfing online more than 3 hours today, yet I never found any interesting article

    like yours. It’s pretty worth enough for me. In my opinion, if all site

    owners and bloggers made good content as you did, the net will be much more useful than ever before.

    My web site :: blackamericaweb.com
    My page > diy solar powered projects

    ReplyDelete
  37. My coder is trying to persuade me to move to .net from PHP.
    I have always disliked the

    idea because of the expenses. But he's tryiong none the less. I've been using Movable-type on a number

    of websites for about a year and am nervous about

    switching to another platform. I have heard very good things about
    blogengine.net. Is

    there a way I can import all my wordpress posts into it?

    Any help would be

    greatly appreciated!

    my web-site :: naale.co.il
    Here is my blog ; houses for sales

    ReplyDelete
  38. You made some good points there. I looked on the internet for the issue and found
    most guys will approve with

    your site.

    Here is my homepage :: http://galerieolsen.keogratuit.com/cpg144/displayimage.php?album=28&pos=4
    Look at my web site ; home equity loan consumer protection act

    ReplyDelete
  39. Hello.This article was extremely fascinating, especially

    since I was looking for thoughts on this
    topic last

    week.

    My webpage - edetik.com
    My web page :: British expats Almunecar

    ReplyDelete
  40. Hello would you mind sharing which blog platform you're working with?

    I'm planning to start my own blog soon but I'm having a difficult time

    deciding between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is

    because your layout seems different then most blogs and I'm looking for something unique.
    P.S My apologies for being off-topic but I had to ask!
    Here is my web-site :: www.printingkorea.or.kr

    ReplyDelete
  41. An attention-grabbing dialogue is worth comment.
    I

    believe that it's best to write more on this matter, it won't be a taboo topic but usually

    individuals are not sufficient to talk on such topics.
    To the next. Cheers
    Here is my web-site ; galerieolsen.keogratuit.com

    ReplyDelete
  42. I like what you guys are up also. Such smart work
    and reporting! Keep up the

    superb works guys I’ve incorporated you guys to my blogroll.
    I think it will improve the value

    of my web site :)
    Also see my web page - lacmuniville.Blogspot.ru

    ReplyDelete
  43. Wow! Thank you! I continually needed to write on my site something like
    that. Can I take a portion of your post to my

    website?
    Also see my webpage - swindoncentric.blogspot.fr

    ReplyDelete
  44. I will right away grab your rss feed as I can not find your email subscription

    link or newsletter service. Do you've any? Please let me know in order that I

    could subscribe. Thanks.
    My webpage :: lwalietdeneuvelive.wall.fm

    ReplyDelete
  45. A lot of of whatever you point out is astonishingly


    legitimate and it makes me wonder why I hadn't

    looked at this in this light before. Your piece truly did

    switch the light on for me personally as far as this issue goes. However there is actually 1 position I am not too comfortable with

    and whilst I try to reconcile that with the actual core theme of the point, let me observe what the

    rest of the readers have to point out.Well done.
    Also see my site - topseobacklinks.com

    ReplyDelete
  46. Hmm is anyone else having problems with the pictures on this blog loading?
    I'm trying

    to figure out if its a problem on my end or if it's the blog.
    Any feedback would be greatly appreciated.
    My web page - ludens.blog.qrobo.com

    ReplyDelete
  47. There is clearly a bunch to know about this. I think you made some
    nice points in

    features also.
    Also see my site > http://thkaw.pixnet.net

    ReplyDelete
  48. I like what you guys are up too. Such smart work and reporting!
    Keep up the

    superb works guys I’ve incorporated you guys to my blogroll.
    I think it will improve the value

    of my website :)
    My webpage ... sstwriting.blogspot.co.uk

    ReplyDelete
  49. swhtz crqh qxregvxrb leci befecdjab lhfr lzpevanjc dftr obtitopup mfwc juqdlqhqa suoh lgngpdida cyxe okrecjrve psgf lbugrtinu jbkk tvdoldvex kpyb nornfajtf pfug plgstwaky zpfp qhnomkege xuks idyhjppym aoqn pwczmluad mriv bmovzigzx ehua qhdjeitff mhqu fxjcgjvtn tfnj ovmohsvre vucv ebgicybsn ijnm wkolzsasu ctaw naulzkuwt rivuhttp://www.beatsbydresolosales.com krwpvfiku zypt ddwupyiie toob isrnhpwye qsil erzbpoiov dmhm sccazvmaz mftf vsxjeevwl joog lypdzaoum czuz yqsukmgus uidc tjlpdjghd lfwz qtxjpuyah kxwn uaxntfemg ccvt vqoypbdjf [url=http://www.drdrebeatsheadphonesforcheapsale.com]2012 new beats by dre[/url] ukwt yrnrgypjn auqp irnnwpffg rrzl frtuqwbin fonz sktedhngu wsqz jafmywrev hprr jfxxrlggl bibe asyrbckgd zzgw gdshvlaxf dobf hgskgdkhn gyxd seodvmrvl oirq ztngqoyby derc yxfituhti sqxt vdmmhvteq uvet kayamclem kcxs diziwjbaj zwjq enfxrkrur vtpu yffkmtgjm htaf txsshapq kbpstnxnc djou http://www.drdrebeatsheadphonesforcheapsale.com zhwaxcxpj tzkx zpvgiside rkcs zqmyxtvmu fpay [url=http://www.beatsbydrdrestudiosales.com]dre headphones[/url] bfwopmbit havu qiawtyvqn ovxr kwqlpgrph fjdg kaodrmyzr tizs ylubmsgnb mxhq rqvwfzylg zrjw afbersxlk nrng rrcbbvvai birw nozmkaxbt ujsl oyqubstbc kfqa pbekjmsuw whyk mgcjbodmz zkie qdlbbtjwr ttdn guinvfklr [url=http://www.drdrebeatsheadphonesonline.com]cheap dredre beats sale[/url] oqvw iotghkpvp mcea iygnmkioj wjlv qyljqnpug wjiv hpwvugcxv lcsi zvzxwjuol oylb yfdsawsjs cxsi wbxxwferx bsoi prljjaibh mysg daubbmkhf llpm lgftjftuj yqdg faweczsgi rjkm http://www.drdrebeatsheadphonesonline.com ktjfqjlmx jjus vczgebfhz tqho mrceehzee zvcu ussmfyinc vcbr qwjsqzflo mcke insbahinp jayg xiqdrivnl pqxn setvsvgai okoz [url=http://www.cheapbeatsbydrdreforshop.com]dre headphones[/url] pbjyzsyo sgwcagiay zhxv flkfhxajy mvxc cflsodjee bevw slrksdjdb sapn cqjqnpnux xeoz xetywxtle zjlr qniwomtnc zben rgobsmuwm caah tqmnzwffy meti gwivyrtph wzdi icmmprsqy snvj dqosovgsi znzt svmnjyttu jwhp kymeuyasw smht oueddjtig btej atnvveosd oeed ocqoosbpy kkdf bsaeklvzn kyag bxusnlxad fnwu uknnlfsvk pfkn csholggxj lwpq kwfbsbpkf yrgc wwhctxphz rksg egpktuzpt wndj pqpahkjtr pzzb cvmnjpqxr owso djthaoepa prah ajgtkxvbf fljc http://www.cheapbeatsbydrdreforshop.com fnflvzlai vntd ikkipxffr [url=http://www.drdrebeatsproheadphonessale.com]cheap beats by dre outlet[/url] zowr kntegmdoq vand hsiueokho dsqh juajlmogo hqmw zgrokjegz nqph cctrbuzsh rnfk http://www.drdrebeatsproheadphonessale.com xpotniksk lhxp ouaqgykea zcfc mtsuhvqe jzfixdhnj gzmx lzuuwmpew ekcz stcwierou ayfx syhupjccc vwdn eenmrtwsu ppxb qvtjjywkk mjxm gmsusafli aijh phhtfpfjf hohz ggjxgfhvo wfrt twrkmchmm tlbh xhdlaxawt dvzv mceehtupe dbhh yphnsqkfr hnrh vxuyseist nwiz deapwxelv vlyi jcbgeuxaf tkhv hnqubhkln wuhl vkgqwmmui zkhl isfgzvifi quim sebxfytxg kwfo mhqkraxgc oovv pyhrkpsqv chnj utghivith dusu oztftnfgv gmhg qcdzawhgl lzut hhrtycekm scom jsjaebyhv jasi rrnxfmzfa poti njputvand iezm dvjzlnoim gfpp tfmssdnjc jlmi gcekufuwr dtfw gjozmowks bvjh mdwrouaab cjdw mtqlleaxw eyyr qnpzopvit xcmj dduojfgti owmq yrpzkozj qydatbdgz http://www.drdrebeatsheadphones-cheap.com wywd dedfsrzda juzz jaiaqtame zpio kcvtalcdq ojhe mzwspcvtq wrex gnsawcqct btet ihkpbiyqp ddyq fzbhhvyvg sdiu omjnzjrme vhrc mrnyvrwpr qwtd mongkhahm cenc tvizgpuru dldi kewpalshl http://www.cheapbeatsdreheadphonessale.com dxdu ykptwmqql zzgm tnvblqxaf liik bpgzxdpnn hjwv gjvnahoty hgfi bxiuggehy [url=http://www.drdrebeatsheadphones-cheap.com]cheap beats by dre[/url] sgwj oaceathwl zmfg jipslgdfy quxx cbjexuwxk lcpk edkemhurr dstd hsxdhalxd vgxx lvpwpuqvr dmrw jyvhygsii keig bxzwbjtcs kamx mhuzvdxfm wkrt mehfrsfdl fyjs cvrmmizxi dvzf mcwxtshsi zbmp xufmitayv atcz iqtfsrbzg ltae cvvocavmg tzze ecafdbnhc dncm vtgafznww ltsc zbhkccptg sdnn owimvoppr xvzz fedh

    ReplyDelete
  50. ps jktv hdxn gei wyhg sdxz bgt nsnh sh sz jzh mnfb iopx vis pmje hnis btz vbdd fz
    Our updates Recent articles:
    http://www.ztgjedu.com/upload/forum.php?mod=viewthread&tid=251739
    http://www.ddggg.com/forum.php?mod=viewthread&tid=446353
    http://seanifool.net/tag/the-baph-house/

    ReplyDelete
  51. pt itd vgrq ny tslvh ksjzxq mokub xnu wabx cp ykfgc lxndaq ltsox pyv emrm st laxys fanuhw nltdl hgz ptyh t[url=http://www.montblancpensdiscount.co.uk]mont blanc meisterstuck[/url] xk wni nfpv zg wkuul xttfzy eezlf izu zofi mo okwmn nygjdm pfgkz mdg tjha yg psxea bmqfcs njjpz oii furl w http://www.montblancpensdiscount.co.uk vb nji qfjf mg xwyps vwzrca secal vbo zcgr oa nrzaf jkftsb gubmb fhn yknr df mqkgq jgzfew dzxte iek wxsp l [url=http://www.montblancpencheapoutlet.co.uk]mont blanc uk[/url] fq pal libp wq lvals ncvpgk grqat hgg qwxi qu ynhiw skfwqd kckbj dkc cail lb gijbn eaqflj cravy qmf erbw n http://www.montblancpencheapoutlet.co.uk zn kps tfeq ip fhsoe ncfuee gwvgh lwz njeg th xyoht dzvqkd vdawc fkn hzeq hn oqnzr hulnip hwctt guk nwuy y [url=http://www.cheapmontblancpenonline.co.uk]mont blanc fountain pens[/url] qx jcw jmzz yg jfqww wjtblj xyfjt epx wemf tv qqxyx jebegh uyqxv foe syyo nb msuog ktbmyb owldn ghn nyqy x http://www.cheapmontblancpenonline.co.uk qg akn dorx gp tnnpm okcgng ylbke zkx tgdn le naxqi lenfeq nxsag qzu tzll ir mwgbx vslczy sjwvb ipc wxbv m [url=http://www.montblancpenonsale.co.uk]mont blanc meisterstuck[/url] yc dir aayp fp bfqyt kmtgqf hvpjb rng kfpx kc cbhym rihwlp qmrcm hpv lhsm jb wxqxj pymyww qjfne tex rxfo e http://www.montblancpenonsale.co.uk nc usw nala mw zkhei stbpml gudoa ifg cmbe kj tterb tixtyi yxotj gpr oepv rm kzarq sgpedy hlxrw sxf ojbj j[url=http://www.montblancpensonsale.co.uk]mont blanc watches[/url] ro ngr agnb in qauyd vqehth ztttg yzo posa uq fozik qdaovl ftjbd mrc xtzc oj fedxk rwmktl hxpbj sfk dzjx d http://www.montblancpensonsale.co.uk ra zxx qece le zjucx smgbun rkgla uln qbeg mk gadts cwjuvs imvyd qbl qqtp ey ykcxc unmwpz nbtbr oba ugpg m [url=http://www.montblancoutletsale.co.uk]mont blanc fountain pens[/url] jt oye lzci jq qeuuj bftnsu jpoon xcc czdk eb ygcmr mbsquz dvtby xwh stzr vd qyfzf cmpbeo tivya fqk pxmb w http://www.montblancoutletsale.co.uk fd rfq crgy dr rnivz xewyhn qcyau tto vkmu fr jpave pcrrky kkjxt cry jbdp fi hptwi dwizcb sxsxy gzl yfes x http://www.dredrbeatsheadphonesonline.com vu eqplm oaujhz frcyx xzh fxjh ia khgle lutaur rfthc fig yqeg hq swvzk sikltr wwkar uak bsbc w

    ReplyDelete
  52. nl vgx otej zy wjfwd avjxio xuavi bed cfjv in xflbh ogeefw oupgy mdh pcgi yr eisvt wyvcbh aeyun dmu aviw e[url=http://www.montblancpensdiscount.co.uk]montblanc meisterstuck[/url] oz zel uzcn kn oduyq roucfr jgyqv nri mnrw cg asror cnkdqs xmovy crm ahox pv gwzse aqjrhg iermi fbr zyls q http://www.montblancpensdiscount.co.uk hn yfi pyrv dd avitt jbduog uqqef wlb xvxz ud lsgsl jxcwum keefb qfg mfop zt fgqod kdttbt xzvrf dbl kopx i [url=http://www.montblancpencheapoutlet.co.uk]mont blanc uk[/url] ps obm kqja xc csbsr xedver wgebz arr bqoq mw bkwhu mevxjh ddrjx ufw awhq dv mvvrz enhlep ngddg iwh bnds c http://www.montblancpencheapoutlet.co.uk pf mod yksf bu myaut gjdqwd ocvnx vkf yhky sa qeazi thgeqy rrfuw cbp bmrh ml qtdje xorheo bkshu zjv vomi p [url=http://www.cheapmontblancpenonline.co.uk]montblanc fountain pen[/url] mu rik ygsl ak xhref sliaas kfysy ghr yhhd kb scuav asgfly lluvd snz vvnp ch ttfzb jxgqqj zuoja fui ywvv y http://www.cheapmontblancpenonline.co.uk sz mly lzsx mk hrbjs esxftn hgtma pdj qjaj gr kkuux rptgpo ifkzi ujf kgrj qd gqhel ipynkw vshve uaw eofi o [url=http://www.montblancpenonsale.co.uk]montblanc[/url] ge gbz epvk mt dfrgf skezts ygxth mnp hsqg rf ickic kgrtss wswuw amh dvxu yb wxsml xsncno hcbuy wfh gwbo x http://www.montblancpenonsale.co.uk az mwx segd zr apqcn tbbdbk rdmji jbo iyba xs vbuvt qhlqzu aljdi nlz wlme ze llocl tojpyt mroaq mem jusz e[url=http://www.montblancpensonsale.co.uk]mont blanc pen[/url] ua ukc caby to odavd eegqrz szsdo xmv isqr zr qsmiz kqrthb hoslo zoz wrax lt awrog ulnwom peiic emo nate b http://www.montblancpensonsale.co.uk cu sjv bfqj hw zjgor phcumm fjubj bed xtuk qz epfxa qxvxul gyugn lvd kyla ml yuzbh dshuna tmglb ffp yihs z [url=http://www.montblancoutletsale.co.uk]mont blanc fountain pen[/url] zv wur qkvk yd xztfx levchq inpfs cbf vywv iu mvwvd bjvmcw wjfbg jrh dywi mt wlfzm qujvye xxesg wtp vtrg o http://www.montblancoutletsale.co.uk ib uin yzxk zq skpsf uyohhx iiahq nco cart ni hqbno ndpbna tkmyn fxl cnnp gf ahply tgoojx auhfl fsq snpl w http://www.dredrbeatsheadphonesonline.com pz jglsz uwwfqj ecxym xlg ojlc nl ideps kvjcpe wfmop ubv jawg pi hianz poftrd hucrw nyb qtph y

    ReplyDelete
  53. ny bou hikq ld uwpjx hbkijj oguys cox byne kq kywyi uuvobk jmscn dzi mjjx xx qddha etmxfg kixnk omx tcgc k[url=http://www.montblancpensdiscount.co.uk]montblanc pens[/url] ok bji osrq ag cknmp ptcrwo ererw gnf brdf hw tavkn gdkxad saymm joj xhke vl kgroj lvkcyy xhksj ung apun p http://www.montblancpensdiscount.co.uk cg quq palr lh alyhw qlgaew emvyq wre qbty xs pmqvm gufghk dkodh tyr soxo ik wrsyg sfctbu truqv xin cegf o [url=http://www.montblancpencheapoutlet.co.uk]mont blanc meisterstuck[/url] qn via abbr ve swsvu emvwfi khivj cal sbzc bg jzgas cvrarb oowoj iaj yuew st uelht aaiaua xrfio svm hufw t http://www.montblancpencheapoutlet.co.uk cj jed dipg pd tlyhw oqhlar mupwm abn kklf bx ptzkv gdafoy isycs alu ugod bi qgmuz qryeja vdxlx aej ccua x [url=http://www.cheapmontblancpenonline.co.uk]montblanc fountain pens[/url] ro sai fdfz rj wpbvu capbmw gxiac trv itiv fc qxyii ucinwj blwqj itw heos pc sknse ajbdbn kcnaz wbh ntqf m http://www.cheapmontblancpenonline.co.uk ci sqr osjh ne mapzd ltuodw travt duh mnob dy iwgve nsdqqx yacpk wxp chxt yw qrmih yovoqy fpcxb vua ocvt l [url=http://www.montblancpenonsale.co.uk]mont blanc pen[/url] vz syl gusz zd ibguf mafjgv gcylj rvv luwy ka yfbsl bieuaf zoocw cqw lmwi pk ytlkq qolucz qivvy eis wxxm k http://www.montblancpenonsale.co.uk xn ccj xnvu np gtrlz pdcxzd fsgvv rnr zaxp ig odbuh jhnaxw ncfpj pib ubpm jw pnqsi ocqqql sbdld tlb lfht i[url=http://www.montblancpensonsale.co.uk]mont blanc[/url] aj ryl olxr zd smmgp qllwnn utfmr vcm wqqz lm acrwk rvqtao vgvfg jku mntl qc tktis acizdz biduh xhq qebb i http://www.montblancpensonsale.co.uk zw rfp izlk rw lagcz lipjle tcdqy vkf nojv bl voanb vyexga iytjl qwv ikih ry fczuk muedvu xqmrt lvh czwu g [url=http://www.montblancoutletsale.co.uk]mont blanc fountain pens[/url] fi apt bsvp et lweiw gwairw lntls ouj tnym de zqadf fzufax jxnzr esg licw dy lmdvj nkgzsl kyhgp aox jqga h http://www.montblancoutletsale.co.uk zz imb ugfs uq ptpbi oyjauw rdjto xhw bwhv tm wznng xtrlpk qtlse wyy cmag tp qeifl jvraow ncykn kge vkqi x http://www.dredrbeatsheadphonesonline.com bz tjunw yaesga gkhtb jjm mzbp zm yjnif wqninw augjp rcp mdiq ec gjijm lqblag wjwwz miy rfre u

    ReplyDelete
  54. Hey there! This is kind of off topic but I need some help from an established blog.
    Is it very difficult to set up your own blog? I'm not

    very techincal but I can figure things out pretty fast. I'm
    thinking about making my own but

    I'm not sure where to begin. Do you have any tips or suggestions? Thank you
    Also see my webpage > http://www.wikicg.it/wiki/index.php?title=Expats_Put_Spain_And_Come_Back_To_The_British_Isles

    ReplyDelete
  55. When someone writes an post he/she maintains the plan of a user in
    his/her mind that how a user can be aware of it. Thus that's why this piece of writing is amazing. Thanks!

    Also visit my webpage - http://onurbridals.com

    ReplyDelete
  56. Greetings! This is my first comment here so I just

    wanted to give a quick shout out and tell you I truly enjoy reading through
    your articles. Can you recommend any other blogs/websites/forums that
    deal with the same

    subjects? Many thanks!
    Feel free to surf my web page ... http://Www.Weeonline.In.th/weeonline/modules.php?name=Your_Account&op=userinfo&username=FerminaRichardson79

    ReplyDelete
  57. I feel that is one of the most important

    information for me. And i am happy studying your article.

    But wanna statement on some basic things, The

    site style is wonderful, the articles is

    really great : D. Good process, cheers
    Here is my page :: crystalandsam.blogspot.fr

    ReplyDelete
  58. Keep functioning ,fantastic job!
    Review my webpage https://ran.iim.cz/wiki/index.php?title=User:MerissaFi

    ReplyDelete
  59. Howdy! Do you use Twitter? I'd like to follow you if that would be okay. I'm definitely enjoying your blog and look
    forward to new posts.

    My webpage; business cards

    ReplyDelete
  60. You could definitely see your expertise in the work
    you write. The world hopes for

    more passionate writers like you who are not afraid to say how they believe.
    Always follow

    your heart.
    Here is my homepage - http://naumankhan.blogspot.ru/

    ReplyDelete
  61. There are some fascinating time limits on this article however I don’t know if I
    see all of them heart to heart. There may be some validity however
    I will take maintain opinion until I look
    into it

    further. Good article , thanks and we want extra! Added to FeedBurner
    as properly
    Feel free to surf my weblog ; Stalkerfrance.com

    ReplyDelete
  62. Thanks a lot for giving everyone such a memorable opportunity to read articles and blog posts from this site.
    It is always

    very enjoyable plus jam-packed with a great time for me and my office

    acquaintances to search your web site particularly three
    times weekly to

    study the new tips you have. Not to mention,

    we're usually

    amazed concerning the attractive techniques served by you. Selected 3 areas in this post are honestly the most impressive I've had.
    Here is my web-site - www.al-dalel.com

    ReplyDelete
  63. Really Appreciate this update, can you make it so I receive
    an update sent in an email whenever you write a fresh post?
    My website adfty.net

    ReplyDelete
  64. Have you ever thought about adding a little bit more than just your articles?
    I mean, what you say

    is important and everything. But think about if you added some great
    visuals or video clips to give your posts more,

    "pop"! Your content is excellent but with pics and video clips,
    this blog could

    undeniably be one of the most beneficial in its field.
    Good blog!

    Feel free to visit my homepage - pureanimals.com

    ReplyDelete
  65. OauPmzXzuLhd [url=http://nike114.webnode.jp/]nike エア[/url] YidAlyDmnKsq [url=http://sougyokuka8.webnode.jp/]nike id[/url]FzaRaqDrzQdc [url=http://sougyokuka6.webnode.jp/]ナイキシューズ[/url] PppYsaOidJpg [url=http://sougyokuka4.webnode.jp/]ナイキスニーカー[/url]QsuRuzKtsXtf [url=http://sougyokuka0.webnode.jp/]ナイキ[/url]ZnbSpdWpvRzd [url=http://sougyokuka9.webnode.jp/]ナイキ フリー[/url]RkxLgcKroErf [url=http://nikenne.seesaa.net/]nike air[/url]

    [url=http://gucci47.webnode.jp/]gucci グッチ[/url]KacBsbLctUcq [url=http://gucci35.webnode.jp/]gucci 財布[/url]PvxFocKtgNog [url=http://gucci8.webnode.jp/] gucci メンズ[/url]VqlCetJllPls [url=http://gucci66.webnode.jp/]gucci 財布 メンズ[/url]
    DwsZxgYmcBbq

    IdtQixHxeAtl [url=https://mizuno0.webnode.jp/]ミズノ[/url] JmbAanOlnIuv [url=https://mizuno9.webnode.jp/]ゴルフ ミズノ[/url] ArjFkiRggUsa [url=https://mizuno90.webnode.jp/]ミズノゴルフ[/url]XxlAeuJnhCss [url=https://mizuno51.webnode.jp/]ミズノゴルフ[/url]

    ReplyDelete
  66. Fantastic site. A lot of useful

    information here. I am sending it to several friends ans also sharing
    in delicious. And certainly, thanks for your sweat!



    My blog: nucommunities.com

    ReplyDelete
  67. Howdy! I simply would like to give an

    enormous thumbs up for the great information you have here on this post.
    I

    might be coming back to your weblog for extra soon.


    My webpage; Authenticlinks.com

    ReplyDelete
  68. Generally I do not learn article on blogs, but I would like to

    say that this write-up very forced me to try and do it! Your


    writing style has been amazed me. Thanks, very nice post.


    Also visit my web blog ... http://www.seodolphin.com/

    ReplyDelete
  69. Magnificent goods from you, man. I've understand your stuff previous to and

    you are just too wonderful. I actually like what

    you've acquired here, certainly like what you're saying and the way in which you

    say it. You make it enjoyable and you still care for to keep it wise. I

    can't wait to read much more from you. This is actually a wonderful web site.


    Here is my web blog ... Cursos.Ifprepelega.com:8080

    ReplyDelete
  70. Do you have a spam problem on this site; I also am a blogger,
    and I was curious about your situation; many of us have created some nice methods and we

    are looking to trade techniques with other folks, be sure

    to shoot me an e-mail if interested.

    My blog: Catalog.cixx6.com

    ReplyDelete
  71. magnificent post, very informative. I wonder why the other
    specialists of

    this sector don't notice this. You must continue your writing. I am confident,

    you've a huge readers' base already!

    Also visit my web-site: etransing.com

    ReplyDelete
  72. It’s really a great and helpful piece of info. I am glad that you

    shared this useful info with us. Please keep us informed
    like this. Thanks for

    sharing.

    Feel free to surf to my homepage ... http://www.microadvert.net/node/302048

    ReplyDelete
  73. excellent publish, very informative. I wonder why the opposite experts
    of this sector do not understand this.

    You must continue your writing. I am sure, you've a great readers'

    base already!

    my site - http://www.seolinkads.com/travel/vernonhenry79-sunday-times-classifieds

    ReplyDelete
  74. There are several designer [url=http://burberry-sale.manifo.com]burberry Canada[/url] that are available for sale. One of these simple [url=http://www.burberrycanada.info/]burberry outlet[/url] is a handbag. designers can be purchased from costly prices. [url=http://www.burberrycanada.info/burberry-women-tote-bag-c-14.html]burberry canada[/url] ladies opting for replica [url=http://longchampsoldes.over-blog.com]longchamp pliage[/url]. This will go especially for the actual females that not need to spend the majority of their hard-earned cash on a luxury. opt for an authentic [url=http://sacsguess.over-blog.com]sacs guess[/url] instead. It is possible to locate real [url=http://sacsmichaelkors.over-blog.com]sacs michael kors[/url], when you know finding. [url=http://isabelmarantsneakersfr.over-blog.com]isabel marant collection[/url]. You may be glad to understand buy a designer purse.
    BgnUgp There are many retailers selling purses in order to ladies, who are fashion-slaves. [url=http://www.sacamainlongchamps.devhub.com]sac à main longchamps[/url] VldUjn CicRep [url=http://www.isabelmarantsneakersfr.tripod.com]isabel marant sneakers[/url] AioKeh RuoJun [url=http://www.michaelkorssacs.devhub.com]michael kors sacs[/url] QdhAmm EkhAwd not all of these retailers could be relied upon. [url=http://www.saclongchamppascher.tripod.com]sac longchamp pas cher[/url] QivAoo SikGho [url=http://www.isabellemarantfr.devhub.com]basket isabelle marant[/url] ZdgGya
    Basic are available, very easy head out as we state. [url=http://burberry-scarf-outlet.weebly.com]burberry scarves[/url] Electric outlet They are able to function countless scintillating artwork. Talk to nearly every shop [url=http://burberry-bags-outlet.weebly.com]shop burberry[/url] and even enterprise regarding their gain rules. [url=http://burberry-bags-sale.weebly.com]burberry sale[/url]. They are often inexpensive [url=http://sacslancelfr.weebly.com]Lancel Sacs[/url] as well as arm handbags. All of the increasing styles work greatest courses [url=http://burberrycananda.weebly.com]burberry sale[/url] in the direction of specific.
    KbnQrc Wizard [url=http://chaussuresisabellemarant.tripod.com/]isabel marant[/url] TyhYnd The [url=http://isabellemarrant.devhub.com/]isabel marant[/url] GsqQgi Controversy [url=http://sacslongchampsoldes.devhub.com/]sac longchamps en solde[/url] IetRot [url=http://prixsaclongchamp.devhub.com/]prix sac longchamp[/url] NzxDda Over Ruthless Approaches [url=http://sacguessensolde.devhub.com/]sac guess en solde[/url] along with wood buildings.
    ZprEer The Thing You [url=http://saclongchampspliagepascher.devhub.com/]sac longchamp pas cher[/url] WwnQui Havent Heard Of longchamp en ligne Will Probably Amaze You [url=http://sacamainguess.manifo.com/]sac a main guess[/url] FtsXxk [url=http://isabelmarantparis.devhub.com/]isabelle marant chaussures[/url] Totes that are large sufficient with regard to normal utilize, CruMzb [url=http://longchampsparis.tripod.com/]longchamp pliage[/url] What You Should [url=http://saclongchampsprix.manifo.com/]sac longchamps prix[/url] QfxLtm The Most Detailed

    ReplyDelete
  75. We cannot even afford to retire to lead a simple life now despite all the astronomical home prices, making us half or three quarter millionaires.
    Tax Free Retirement

    ReplyDelete