web analytics

Opportunity Cost – Trading Financial Gain for Security

June 1, 2010 · 134 comments

in Personal Finance

Whenever I think about the extra twenty-five cents I seem to have at the end of every week, I try to decide what the absolute best allocation of that money is.    That is because, we want to have enough money to do the following:

  1. Retire early
  2. Travel
  3. Afford health care

However, we are in our early forties now, and we don’t have as many ‘compounding years’ as we did when we first started working.  Since we also don’t have as much time to save, we have to maximize each spare dime we have.  That leads me to the question – what am I giving up by investing a certain way?

For example, we really want to get our house paid off.  We have an aggressive payment plan, even though our interest rate is only 4.75%.   Is paying off this debt getting us closer to reaching our three goals than putting  our money elsewhere?   In other words, what is the opportunity cost of paying off our mortgage?

One option for discretionary funds is to contribute to a 529 college savings plan.  In Michigan, you get a tax credit for money placed into a 529 account (up to 10,000 dollars), and the tax rate in Michigan is 4.6%.   Besides the tax benefit, there is also the chance that the  investment will grow (or drop), and you may also earn dividends on your investment.  Chances are, we would make more on our money by investing in a 529 plan than paying off our mortgage.    So there may be opportunity cost by investing spare money into our mortgage versus our 529 account.   However, we are willing accept a possible smaller return (debt reduction) to gain the security that comes from having less debt.   (Side note:  We do save for college.  However, we do not contribute the maximum amount allowed for tax benefits.  This is an area I may be revisiting.)

Another place for us to invest our extra money besides our mortgage is general savings, which in our case, would be used for when we hopefully retire early.  This is where I really struggle.  Could I ‘make’ more money by investing  in high-yield dividend stocks than I would gain by putting that extra money toward paying off the mortgage?  The answer is probably yes.   Again, we are trading financial gain for security.   I just keep thinking that when the mortgage is paid off, the reward of not having that debt hanging over us is well worth the amount of money we would forego by investing more aggressively.    However, I know that we have a killer interest rate and a lot of people would say we are crazy to put our money toward paying off the mortgage.

So, what do you think?  Are you willing to trade financial gain for security?  Or, do you focus more on generating income through your investments and let the debt take care of itself?

If you enjoyed this post, please leave a comment or subscribe to the RSS feed to have future articles delivered to your feed reader. Thanks for visiting!!!

{ 131 comments… read them below or add one }

Budgeting in the Fun Stuff June 1, 2010 at 1:51 pm

Usually I save aggressively and let the debt take care of itself, but we recently plunged into the idea of debt freedom. Even though our car loan is “only” at 4.6%, we’re decimating our savings accounts to pay it off. We’re then paying ourselves back and attacking the mortgage even more than we already do…

Financial security (debt freedom) will feel even sweeter than stock returns.

Reply

Kris June 1, 2010 at 2:09 pm

Hey Budget – that is what I am hoping for, that freedom will feel fantastic. Of course, that freedom is way down the road for us.

Another thing I am hoping is that if a lot of our ‘savings’ is hidden in our home, that come financial aid time for college, we may possible get some if we don’t have as much in savings. Who knows though. We probably don’t qualify for anything, but it is worth a shot. I have no idea what the limitations are on financial aid these days.

Reply

Budgeting in the Fun Stuff June 2, 2010 at 10:15 am

My parents seriously thought about buying land for their retirement dream house just so my little sisters would be eligible for financial aid. Thankfully, my younger sister who is currently in college got merit scholarships like I did and my parents bank accounts didn’t matter so much…

Reply

Kris June 2, 2010 at 4:19 pm

BFS – I think Michigan got rid of a lot of their state-funded scholarships because our state is broke. Why finance education, right?

I would love if my kids earned some scholarships. However, I think that is getting harder and harder because there is so much competition out there for the same money. Good job to you and your sisters!

Reply

Vitaeus June 1, 2010 at 3:10 pm

Pay off the house, the freedom you will gain from having to pay less per month for your living expenses, will pay big dividends, when you are looking to pay for kids college and for your retirement, whenever that is.

Reply

Kris June 1, 2010 at 8:11 pm

Vitaeus – thanks for the support – and for stopping by!

Reply

Money Reasons June 1, 2010 at 8:25 pm

I think I ran the numbers a few different ways, and I think by paying off the our house first, it cost me a thousand or 2 vs investing it. But the extra security was worth it for me (the cars have been paid off years ago). The last few years I had a mortgage rate comparable to the one that you had, but I figured I got this far, I should just finish it off.

Lately, the stock market has been so bad, that I’m pretty happy with my choice to pay off the house first. While I enjoy the feeling of being debt free. Now I’m in the “what is the best move next” mode with the increased cash flow.

As for my retirement, I’ve been pushing a lot into my 401k for over 10 years, so it’s hurt because of the market, but still doing okay (not great but okay).

I’m doing decently enough with respect to my kids 529 plans (40 for my son, 30 for my daughter), but still need a lot more…

Currently, I’ll be able to sock away more money into investments because of the increased cash flow from having the house paid off. I will create a fund of some sort to pay real estate taxes and fund better vacations. Ideally, I hope to invest in stock dividends that will someday pay enough of a yield to pay for both of these.

I have to admit, I’m not sure if the route I chose was the best, but I do think doing all at once (home extra payments, 401K, Roth, 529) has worked out well enough for me. Perhaps not the best plan, but still a plan that is good enough (at least for me).

Sounds like you and I share similar thoughts in this area 🙂

Reply

Kris June 1, 2010 at 9:49 pm

Mr. Reasons: The market is a killer these days, unless you are a swing trader and make all the right calls!

By the way, you are doing fantastic in the amount you have saved for your kid’s college fund, not to mention also having your house paid off. Congratulations! Keep saving!

Reply

Young Mogul June 1, 2010 at 8:35 pm

I can understand the security that comes from having less debt–but, for me, it is no debt EXCEPT the mortgage. As long as you have an emergency fund that would cover the mortgage in the case of illness or job loss and you will have the home paid off by the time you retire, I don’t really understand the rush. Personally, I would use the money for other things. For me, I need to find a balance between debt reduction and living now–not putting life off until retirement. Do you feel you are delaying until retirement things you could be enjoying now?

Reply

Kris June 1, 2010 at 9:47 pm

Young Mogul – Oh I am very much living in the now, probably too much so! There is only so much we can contribute to retirement anyway. Its just that I am aggressively paying down the mortgage as much as I can because I hate having that house payment over my head. However, I do not sacrifice other areas to do so.

Reply

Squirrelers June 1, 2010 at 10:32 pm

I like the way BFS put it: “Financial security (debt freedom) will feel even sweeter than stock returns.” For many of us, that’s probably the case.

I suggest thinking about which option will make you rest easier at night.

Reply

ForexTrader January 10, 2011 at 2:19 pm

Hi

I must say that the freedom you have when you donâ??t have to pay off your mortgage is priceless. I was lucky and I inherited a small house from my grandparents. But I have a lot of friends who have invested the extra money into all sorts of investments and thought that the mortgage will be paid off by the profits their investments will make in time. Now their investments are more or less worth less than they have invested and they still have to pay off the mortgage.

Keep up the good work.

Cheers Alex

Reply

Kris January 10, 2011 at 10:06 pm

Alex, you were smart in that you stayed in the house you inherited instead of getting greedy and selling that to buy a big house. Good job!

It is amazing how much people will ‘gamble’ with investments. If these past few years have taught me anything, it is that no investment is risk free, especially not your house.

Reply

WealthGoals July 9, 2011 at 8:23 am

I feel that same way, I’d love to pay off my mortgage and not have that monthly payment. We would have so much extra money every month. We had 2 mortgages, and I just paid the smaller one off. Now we have an extra $200 every month which is very nice! I’m not at a point where we are paying off our main mortgage yet, but I hope to start doing so in a couple years!

Reply

Kris July 10, 2011 at 11:10 am

Wealthgoals- it sounds like you are doing a great job though. Any reduction in debt in something to be celebrated!

Reply

Audio Equipment Tips October 4, 2012 at 6:45 am

The post is written in very a good manner and it entails many useful information for me. I am happy to find your distinguished way of writing the post. Now you make it easy for me to understand and implement the concept.

Reply

Bernie Tazewell September 1, 2021 at 4:17 am

Great info. Lucky me I came across your site by chance (stumbleupon). I have book marked it for later!

Reply

Matthew Parise September 1, 2021 at 4:25 am

This site was… how do you say it? Relevant!! Finally I’ve found something which helped me. Appreciate it!

Reply

Jolie Celestine September 1, 2021 at 8:38 am

Nice post. I learn something new and challenging on sites I stumbleupon everyday. It’s always helpful to read content from other writers and use a little something from their sites.

Reply

Enoch Bonga September 1, 2021 at 11:38 am

After looking over a few of the blog posts on your website, I truly appreciate your way of writing a blog. I saved as a favorite it to my bookmark website list and will be checking back in the near future. Take a look at my web site as well and tell me what you think.

Reply

Santos Koetje September 1, 2021 at 4:10 pm

Way cool! Some extremely valid points! I appreciate you penning this post plus the rest of the website is also really good.

Reply

Erin Mckewen September 1, 2021 at 6:38 pm

You should be a part of a contest for one of the most useful sites on the web. I most certainly will highly recommend this website!

Reply

Rayford Figg September 1, 2021 at 6:54 pm

Hi, I do believe this is a great site. I stumbledupon it 😉 I will return yet again since I book marked it. Money and freedom is the greatest way to change, may you be rich and continue to help other people.

Reply

Arleen Tingle September 1, 2021 at 8:26 pm

Great article! We are linking to this great content on our site. Keep up the great writing.

Reply

Ollie Stamatopoulos September 1, 2021 at 11:49 pm

Way cool! Some very valid points! I appreciate you penning this article and the rest of the website is also very good.

Reply

Gladis Zapanta September 2, 2021 at 1:58 am

This website was… how do you say it? Relevant!! Finally I have found something which helped me. Thanks!

Reply

Noel Sitaca September 2, 2021 at 5:49 am

Spot on with this write-up, I honestly think this website needs a lot more attention. Iíll probably be back again to see more, thanks for the information!

Reply

PatrickLem September 2, 2021 at 8:41 pm

indian gay website dating vegas
monogamous gay dating
gay dating bahrain

Reply

Nakesha Kahler September 2, 2021 at 9:31 pm

Great info. Lucky me I found your site by chance (stumbleupon). I have saved as a favorite for later!

Reply

PatrickLem September 3, 2021 at 12:33 pm

big dick gay dating
gay dating in pittsburgh
gay lds dating

Reply

Bari Colantonio September 3, 2021 at 9:23 pm

Excellent write-up. I certainly love this site. Stick with it!

Reply

Eugene Baradi September 3, 2021 at 11:31 pm

Can I simply say what a comfort to uncover someone that actually knows what they’re discussing on the internet. You certainly know how to bring a problem to light and make it important. A lot more people must check this out and understand this side of the story. I was surprised that you are not more popular given that you most certainly have the gift.

Reply

Filiberto Cowley September 4, 2021 at 7:59 am

Having read this I believed it was very enlightening. I appreciate you finding the time and effort to put this content together. I once again find myself personally spending a significant amount of time both reading and commenting. But so what, it was still worthwhile!

Reply

Ezra Stelmack September 4, 2021 at 5:45 pm

An interesting discussion is definitely worth comment. I do think that you need to publish more about this issue, it may not be a taboo matter but usually people do not speak about these topics. To the next! Cheers!!

Reply

Minda Violetta September 5, 2021 at 4:45 pm

Howdy! This post couldnít be written any better! Going through this post reminds me of my previous roommate! He continually kept talking about this. I am going to send this information to him. Pretty sure he’ll have a very good read. Thank you for sharing!

Reply

Marjory Wolery September 5, 2021 at 10:09 pm

After looking over a number of the blog posts on your website, I truly like your technique of writing a blog. I book-marked it to my bookmark site list and will be checking back in the near future. Please check out my web site too and let me know how you feel.

Reply

PatrickLem September 5, 2021 at 10:31 pm

colorado springs gay dating
dating is gay
wealthy gay dating

Reply

Alycia Vanduynhoven September 6, 2021 at 8:16 am

You’ve made some really good points there. I checked on the internet to find out more about the issue and found most people will go along with your views on this website.

Reply

Madelaine Rudeen September 6, 2021 at 10:18 am

Great post. I’m experiencing some of these issues as well..

Reply

Tyesha Biggerstaff September 6, 2021 at 4:06 pm

Howdy! I simply want to give you a big thumbs up for your excellent info you have got here on this post. I’ll be coming back to your website for more soon.

Reply

Siu Rimer September 6, 2021 at 4:17 pm

Pretty! This was an incredibly wonderful article. Thank you for supplying these details.

Reply

Leslie Clingingsmith September 7, 2021 at 5:57 pm

Oh my goodness! Amazing article dude! Thank you so much, However I am experiencing issues with your RSS. I donít understand why I cannot join it. Is there anyone else having similar RSS issues? Anyone that knows the answer will you kindly respond? Thanks!!

Reply

MichaelEmpak September 7, 2021 at 7:14 pm

gay dating furry sim
gay chubby chasers dating
gay dating site teens

Reply

Roman Showman September 7, 2021 at 9:40 pm

Hi, I do think this is a great website. I stumbledupon it 😉 I am going to come back yet again since I bookmarked it. Money and freedom is the greatest way to change, may you be rich and continue to help other people.

Reply

Sau Brunscheen September 7, 2021 at 11:25 pm

Can I simply just say what a relief to discover a person that genuinely understands what they are talking about on the web. You definitely understand how to bring a problem to light and make it important. More people have to look at this and understand this side of the story. I was surprised you are not more popular because you certainly have the gift.

Reply

Tula Trombley September 8, 2021 at 10:46 am

Good day! I could have sworn Iíve visited this site before but after going through some of the posts I realized itís new to me. Regardless, Iím definitely delighted I discovered it and Iíll be bookmarking it and checking back frequently!

Reply

Les Sarracino September 8, 2021 at 11:46 am

Next time I read a blog, I hope that it won’t disappoint me just as much as this one. I mean, Yes, it was my choice to read, nonetheless I actually believed you’d have something useful to talk about. All I hear is a bunch of moaning about something that you could possibly fix if you were not too busy seeking attention.

Reply

Henryjuilk September 8, 2021 at 11:58 am

i need 2021 gay dating site
interracia gay local dating
[url=”http://gaydatingcanada.com?”]gay adult dating[/url]

Reply

Andres Hanger September 8, 2021 at 12:03 pm

Very good info. Lucky me I found your site by accident (stumbleupon). I’ve saved it for later!

Reply

lotussitz schmerzen fußgelenk September 8, 2021 at 12:59 pm

Excellent goods from you, man. I have understand your stuff previous to and you’re just too fantastic. I really like what you’ve acquired here, really like what you are saying and the way in which you say it. You make it entertaining and you still take care of to keep it wise. I can’t wait to read far more from you. This is actually a wonderful site.

Reply

Dona Penale September 8, 2021 at 1:30 pm

I’d like to thank you for the efforts you have put in penning this site. I’m hoping to view the same high-grade blog posts by you later on as well. In truth, your creative writing abilities has encouraged me to get my own website now 😉

Reply

Juan Bisono September 8, 2021 at 3:02 pm

This website was… how do you say it? Relevant!! Finally I have found something that helped me. Many thanks!

Reply

Nena Traister September 8, 2021 at 9:13 pm

I blog often and I truly appreciate your content. This article has truly peaked my interest. I’m going to book mark your website and keep checking for new details about once a week. I subscribed to your Feed as well.

Reply

Margo Guske September 8, 2021 at 10:14 pm

You’re so interesting! I don’t believe I’ve truly read through anything like that before. So wonderful to discover someone with original thoughts on this subject matter. Seriously.. thanks for starting this up. This web site is one thing that is required on the web, someone with some originality!

Reply

clogged toilet plumber September 8, 2021 at 10:38 pm

Greetings from Florida! I’m bored to tears at work so I decided to check out your site on my iphone during lunch break. I enjoy the knowledge you present here and can’t wait to take a look when I get home. I’m surprised at how quick your blog loaded on my phone .. I’m not even using WIFI, just 3G .. Anyhow, excellent site!

Reply

Nettie Heatwole September 8, 2021 at 11:23 pm

Hi, I do believe this is an excellent site. I stumbledupon it 😉 I will return yet again since i have book-marked it. Money and freedom is the greatest way to change, may you be rich and continue to guide others.

Reply

Annelle Radeke September 9, 2021 at 1:23 am

Hi, I do believe this is an excellent website. I stumbledupon it 😉 I may come back once again since I book marked it. Money and freedom is the best way to change, may you be rich and continue to guide others.

Reply

Stacia Lindroth September 9, 2021 at 3:12 am

Hi, I do believe this is a great site. I stumbledupon it 😉 I will return yet again since i have bookmarked it. Money and freedom is the best way to change, may you be rich and continue to help others.

Reply

Dwana Abdel September 9, 2021 at 3:38 am

Way cool! Some extremely valid points! I appreciate you penning this write-up and also the rest of the site is also really good.

Reply

Fae Matula September 9, 2021 at 3:44 am

I must thank you for the efforts you’ve put in writing this website. I’m hoping to view the same high-grade content by you in the future as well. In fact, your creative writing abilities has inspired me to get my own blog now 😉

Reply

Booker Wester September 9, 2021 at 6:14 am

Right here is the right site for anyone who wishes to understand this topic. You know so much its almost tough to argue with you (not that I personally would want toÖHaHa). You certainly put a fresh spin on a topic that has been discussed for a long time. Excellent stuff, just great!

Reply

attorney employment September 9, 2021 at 9:11 am

Hi there! Do you use Twitter? I’d like to follow you if that would be ok. I’m definitely enjoying your blog and look forward to new updates.

Reply

hvac repair and maintenance in las vegas September 9, 2021 at 9:27 am

Magnificent web site. Lots of useful info here. I am sending it to some friends ans also sharing in delicious. And certainly, thanks for your sweat!

Reply

Darell Pasqualino September 9, 2021 at 11:48 am

This is the perfect web site for everyone who hopes to find out about this topic. You realize a whole lot its almost tough to argue with you (not that I really will need toÖHaHa). You definitely put a fresh spin on a topic that has been discussed for a long time. Excellent stuff, just great!

Reply

Sang Collicott September 9, 2021 at 1:00 pm

Your style is so unique in comparison to other folks I have read stuff from. I appreciate you for posting when you’ve got the opportunity, Guess I will just book mark this blog.

Reply

Trenton Fugua September 9, 2021 at 4:00 pm

Hi, I do believe your website could possibly be having internet browser compatibility issues. When I take a look at your blog in Safari, it looks fine however, when opening in Internet Explorer, it has some overlapping issues. I simply wanted to provide you with a quick heads up! Besides that, great website!

Reply

Burt Moricca September 9, 2021 at 7:53 pm

Aw, this was an exceptionally good post. Taking the time and actual effort to generate a superb articleÖ but what can I sayÖ I procrastinate a whole lot and don’t manage to get anything done.

Reply

Carolyne Gockley September 9, 2021 at 11:58 pm

You have made some decent points there. I looked on the web for more info about the issue and found most people will go along with your views on this web site.

Reply

Arlena Mantione September 10, 2021 at 1:33 am

Great article! We will be linking to this great content on our site. Keep up the good writing.

Reply

Mitchel Steffenhagen September 10, 2021 at 5:04 am

Hello there! I could have sworn Iíve visited your blog before but after going through a few of the articles I realized itís new to me. Regardless, Iím definitely pleased I stumbled upon it and Iíll be bookmarking it and checking back frequently!

Reply

Henry Luci September 10, 2021 at 6:11 am

Can I simply say what a relief to find someone that genuinely knows what they are talking about on the internet. You certainly understand how to bring an issue to light and make it important. A lot more people should look at this and understand this side of the story. I was surprised you’re not more popular because you certainly possess the gift.

Reply

Lavern Ciresi September 10, 2021 at 6:41 am

You need to be a part of a contest for one of the greatest blogs on the web. I most certainly will highly recommend this website!

Reply

Sylvester Degraw September 10, 2021 at 8:05 am

This is a topic that’s close to my heart… Best wishes! Exactly where are your contact details though?

Reply

Prudence Pavlick September 10, 2021 at 11:19 am

An impressive share! I’ve just forwarded this onto a friend who has been conducting a little homework on this. And he actually ordered me breakfast because I discovered it for him… lol. So let me reword this…. Thanks for the meal!! But yeah, thanx for spending some time to talk about this issue here on your site.

Reply

Keith Sirko September 10, 2021 at 11:44 am

Great post! We will be linking to this particularly great post on our site. Keep up the good writing.

Reply

finding an attorney for employment contract September 10, 2021 at 3:35 pm

Hey! I could have sworn I’ve been to this site before but after checking through some of the post I realized it’s new to me. Anyhow, I’m definitely delighted I found it and I’ll be bookmarking and checking back frequently!

Reply

Sammy Trollope September 10, 2021 at 3:51 pm

This is a topic that is close to my heart… Cheers! Exactly where are your contact details though?

Reply

Harold Camenisch September 10, 2021 at 5:47 pm

Good info. Lucky me I came across your website by accident (stumbleupon). I’ve book-marked it for later!

Reply

Alease Dupre September 10, 2021 at 9:23 pm

Howdy! This article could not be written any better! Going through this article reminds me of my previous roommate! He constantly kept preaching about this. I’ll forward this post to him. Fairly certain he will have a great read. Many thanks for sharing!

Reply

Myong Stoesser September 10, 2021 at 11:23 pm

You’re so awesome! I do not think I’ve read through something like this before. So nice to discover another person with a few original thoughts on this issue. Really.. thank you for starting this up. This website is something that’s needed on the internet, someone with a bit of originality!

Reply

Benita Badders September 11, 2021 at 12:17 am

Way cool! Some extremely valid points! I appreciate you penning this post plus the rest of the site is also very good.

Reply

Lanora Judy September 11, 2021 at 2:44 am

This is a great tip especially to those new to the blogosphere. Brief but very accurate informationÖ Many thanks for sharing this one. A must read article!

Reply

Oma Lundeby September 11, 2021 at 4:19 am

Iím impressed, I must say. Rarely do I come across a blog thatís both equally educative and amusing, and let me tell you, you’ve hit the nail on the head. The problem is something which too few folks are speaking intelligently about. I am very happy that I came across this in my search for something regarding this.

Reply

Edwina Mesecher September 11, 2021 at 10:00 am

Spot on with this write-up, I truly believe this site needs a great deal more attention. Iíll probably be returning to see more, thanks for the information!

Reply

Horacio Beavers September 11, 2021 at 12:01 pm

I want to to thank you for this good read!! I definitely loved every little bit of it. I have got you saved as a favorite to check out new stuff you postÖ

Reply

Valeri Doty September 11, 2021 at 3:13 pm

This page really has all of the information and facts I needed concerning this subject and didnít know who to ask.

Reply

Douglas Schuur September 11, 2021 at 6:41 pm

There’s certainly a great deal to know about this issue. I really like all of the points you’ve made.

Reply

Rene Granderson September 11, 2021 at 7:36 pm

You’re so awesome! I do not believe I have read through anything like this before. So nice to find somebody with original thoughts on this topic. Really.. thanks for starting this up. This site is one thing that’s needed on the web, someone with a bit of originality!

Reply

Sharmaine Derobles September 11, 2021 at 7:53 pm

There’s definately a great deal to know about this subject. I like all the points you have made.

Reply

Leroy Passalacqua September 11, 2021 at 8:38 pm

Aw, this was a very nice post. Spending some time and actual effort to generate a superb articleÖ but what can I sayÖ I hesitate a lot and don’t manage to get anything done.

Reply

employment law attorney free consultation in Berkeley September 11, 2021 at 10:07 pm

I think other web-site proprietors should take this website as an model, very clean and excellent user genial style and design, as well as the content. You are an expert in this topic!

Reply

new jersey top construction management firms September 12, 2021 at 1:41 am

The other day, while I was at work, my cousin stole my iphone and tested to see if it can survive a forty foot drop, just so she can be a youtube sensation. My apple ipad is now destroyed and she has 83 views. I know this is totally off topic but I had to share it with someone!

Reply

Graig Sines September 12, 2021 at 6:58 am

Iím impressed, I have to admit. Seldom do I encounter a blog thatís equally educative and interesting, and let me tell you, you’ve hit the nail on the head. The issue is something which not enough folks are speaking intelligently about. I am very happy that I stumbled across this in my hunt for something regarding this.

Reply

Alpha Schul September 12, 2021 at 10:02 am

Hello, I think your site could possibly be having internet browser compatibility problems. When I look at your blog in Safari, it looks fine however when opening in IE, it has some overlapping issues. I merely wanted to provide you with a quick heads up! Aside from that, wonderful site!

Reply

Perry Cypress September 12, 2021 at 2:24 pm

You made some decent points there. I looked on the net for more information about the issue and found most people will go along with your views on this website.

Reply

Henryjuilk September 12, 2021 at 4:56 pm

dating a gay thug tips
best gay dating sites couples
[url=”http://gaydatinglosangeles.com/?”]mark perry gay dating scam[/url]

Reply

Ricardo Saeli September 12, 2021 at 5:38 pm

Having read this I believed it was extremely enlightening. I appreciate you finding the time and energy to put this information together. I once again find myself personally spending way too much time both reading and commenting. But so what, it was still worth it!

Reply

Ricardo Renze September 12, 2021 at 11:44 pm

This site was… how do you say it? Relevant!! Finally I’ve found something which helped me. Thank you!

Reply

Marilynn Sholl September 13, 2021 at 12:35 am

This site was… how do I say it? Relevant!! Finally I have found something that helped me. Thanks!

Reply

Edgardo Reidling September 13, 2021 at 3:30 am

Good day! I just want to offer you a huge thumbs up for your excellent information you have right here on this post. I am returning to your web site for more soon.

Reply

Dianna Mcnany September 13, 2021 at 7:18 am

This web site certainly has all the information and facts I needed about this subject and didnít know who to ask.

Reply

Henryjuilk September 13, 2021 at 8:03 am

canada gay dating sites
gay dating match.com
[url=”http://datinggayservices.com/?”]gay online dating subculture[/url]

Reply

Howard Hindle September 13, 2021 at 5:35 pm

Hello there, I do believe your site could be having web browser compatibility issues. Whenever I take a look at your website in Safari, it looks fine however, if opening in Internet Explorer, it’s got some overlapping issues. I just wanted to provide you with a quick heads up! Apart from that, fantastic site!

Reply

Kendall Sleek September 13, 2021 at 7:42 pm

Howdy! I simply want to give you a huge thumbs up for the great info you have here on this post. I will be coming back to your blog for more soon.

Reply

Jeff Spoonamore September 13, 2021 at 9:47 pm

Good article. I am facing many of these issues as well..

Reply

Gino Gord September 13, 2021 at 10:51 pm

Excellent post! We are linking to this particularly great content on our website. Keep up the good writing.

Reply

Nona Rosenlof September 14, 2021 at 2:30 am

This is a topic which is close to my heart… Cheers! Exactly where are your contact details though?

Reply

Zachary Harelson September 14, 2021 at 3:05 am

Way cool! Some extremely valid points! I appreciate you penning this post and the rest of the website is extremely good.

Reply

Un Sidberry September 14, 2021 at 5:40 am

Greetings! Very helpful advice within this article! It is the little changes which will make the most significant changes. Many thanks for sharing!

Reply

Franklyn Shansky September 14, 2021 at 6:05 am

Hi, I think your blog could be having web browser compatibility issues. Whenever I look at your website in Safari, it looks fine however, if opening in Internet Explorer, it has some overlapping issues. I merely wanted to give you a quick heads up! Aside from that, fantastic site!

Reply

best seattle employment attorney in Berkeley September 14, 2021 at 10:18 am

I’m extremely impressed with your writing skills and also with the layout on your weblog. Is this a paid theme or did you customize it yourself? Anyway keep up the nice quality writing, it’s rare to see a great blog like this one today..

Reply

Grant Reidinger September 14, 2021 at 2:32 pm

Greetings! Very useful advice within this post! It is the little changes that make the biggest changes. Thanks a lot for sharing!

Reply

Jessia Trapalis September 14, 2021 at 4:51 pm

Can I just say what a relief to discover an individual who really understands what they’re discussing over the internet. You actually realize how to bring an issue to light and make it important. A lot more people have to read this and understand this side of your story. I can’t believe you are not more popular since you definitely possess the gift.

Reply

Jefferson Mishoe September 14, 2021 at 9:54 pm

There’s certainly a great deal to know about this issue. I like all the points you’ve made.

Reply

Katheryn Frichette September 14, 2021 at 10:23 pm

Everything is very open with a precise explanation of the challenges. It was definitely informative. Your site is very useful. Thanks for sharing!

Reply

Evangelina Blovin September 14, 2021 at 10:55 pm

Howdy! I simply would like to give you a huge thumbs up for the great info you’ve got right here on this post. I’ll be returning to your blog for more soon.

Reply

Lois Lawver September 15, 2021 at 1:12 am

An outstanding share! I’ve just forwarded this onto a friend who was conducting a little homework on this. And he actually bought me lunch simply because I discovered it for him… lol. So let me reword this…. Thanks for the meal!! But yeah, thanx for spending some time to talk about this issue here on your web page.

Reply

deductibility of attorney fees employment discrimination in Berkeley September 15, 2021 at 6:04 am

I know this if off topic but I’m looking into starting my own blog and was curious what all is required to get setup? I’m assuming having a blog like yours would cost a pretty penny? I’m not very web savvy so I’m not 100 certain. Any suggestions or advice would be greatly appreciated. Thanks

Reply

Byron Paula September 15, 2021 at 6:59 am

Nice post. I learn something new and challenging on websites I stumbleupon every day. It will always be interesting to read content from other authors and practice a little something from other websites.

Reply

Julietta Fitchett September 15, 2021 at 8:06 am

Hello there, I believe your blog may be having web browser compatibility problems. When I take a look at your site in Safari, it looks fine however, if opening in I.E., it’s got some overlapping issues. I just wanted to give you a quick heads up! Other than that, fantastic site!

Reply

the best slip and fall lawyers in oakland September 15, 2021 at 12:18 pm

I would like to thnkx for the efforts you’ve put in writing this web site. I’m hoping the same high-grade site post from you in the upcoming also. Actually your creative writing skills has encouraged me to get my own website now. Actually the blogging is spreading its wings quickly. Your write up is a great example of it.

Reply

Divina Edleston September 15, 2021 at 1:22 pm

An outstanding share! I’ve just forwarded this onto a coworker who had been doing a little research on this. And he in fact bought me dinner due to the fact that I stumbled upon it for him… lol. So allow me to reword this…. Thanks for the meal!! But yeah, thanks for spending some time to talk about this subject here on your internet site.

Reply

if you don't use a lawyer will the insurance company pay you pain and suffering in oakland September 15, 2021 at 1:44 pm

Nice read, I just passed this onto a friend who was doing some research on that. And he just bought me lunch as I found it for him smile Therefore let me rephrase that: Thank you for lunch!

Reply

Elvia Patches September 15, 2021 at 2:15 pm

Can I simply say what a relief to find a person that genuinely knows what they’re talking about on the net. You actually know how to bring a problem to light and make it important. More and more people have to check this out and understand this side of your story. I was surprised that you are not more popular since you definitely have the gift.

Reply

Henryjuilk September 15, 2021 at 2:54 pm

gay firefighter dating site
top gay dating sites 2021
[url=”http://gaydatinglosangeles.com/?”]gay fat men dating site[/url]

Reply

Rickie Savary September 15, 2021 at 2:56 pm

Itís hard to find knowledgeable people on this subject, but you seem like you know what youíre talking about! Thanks

Reply

Bryce Nevils September 16, 2021 at 1:32 am

When I originally commented I appear to have clicked on the -Notify me when new comments are added- checkbox and now whenever a comment is added I recieve four emails with the same comment. Perhaps there is an easy method you can remove me from that service? Thanks!

Reply

Ermelinda Argudo September 16, 2021 at 2:43 am

When I initially left a comment I seem to have clicked the -Notify me when new comments are added- checkbox and from now on each time a comment is added I receive four emails with the exact same comment. There has to be a means you are able to remove me from that service? Cheers!

Reply

dog trainer certificate September 16, 2021 at 4:04 am

We’re a group of volunteers and opening a new scheme in our community. Your web site provided us with valuable information to work on. You have done a formidable job and our entire community will be grateful to you.

Reply

Cinda Chino September 16, 2021 at 5:59 am

There’s definately a great deal to learn about this subject. I like all the points you’ve made.

Reply

Henryjuilk September 16, 2021 at 5:59 am

gay dating utica
best gay dating sites 2021 utah
[url=”http://datinggayservices.com/?”]dating gay personals[/url]

Reply

Leave a Comment

{ 3 trackbacks }

Previous post:

Next post: