传递河南好声音
汇聚河南正能量

人物专访|筑梦者的逆袭——专访伊川农商银行董事长康凤利

2017年2月14日凌晨3点,残疾户雷松旺迎来了自己情人节的礼物。他饲养的一头大母牛,怀胎十月,生下第一个牛宝宝。从2009年以贫困户的身份从当地农商行贷到人生第一笔款,到如今“坐拥”80多头大黄牛,雷松旺的人生可谓成功逆袭。

和他一起逆袭的,还有一路支持他的那家“当地农商行”——伊川农商银行。

2009年10月28日,河南省首家农村商业银行——伊川农商银行正式挂牌开业,与此同时,它的前身——有着13年亏损史,直到2004年扭亏为盈的伊川农信联社走入历史相册。

截至2016年底,伊川农商银行资产规模达369亿元,存款余额268亿元,贷款余额131亿元。其中,涉农贷款余额130亿元,占比99.1%;资本充足率17.18%,贷款损失准备充足率732.28%,拨备覆盖率2248.03%,经营利润13.1亿元,上缴税款3.35亿元。

从巨额亏损到纳税大户,从后进生到连续多年被银监会评为二级银行,作为逆袭战的参与者和领军者,董事长康凤利表示,伊川农商银行最大的特点就是“敢”字当先——敢于行动,敢于创新,敢于走出去,敢于担起来。

“未来,伊川农商银行将继续扎根农村,沉下去,干下去。”康凤利说。

敢行动:设立210家金融便利店

2004年6月,时年39岁的康凤利出任伊川农信联社理事长,彼时,这家农信社已深陷泥沼13年,不良贷款率一度高达40%。

面对“烂摊子”,康凤利提出1/3时间处理公务、1/3时间下乡调研,1/3时间进社包干。他说,要让“干”的人看到希望,让所有人“动”起来。半年后,这家“动”起来的农信社全辖盈余,此后逐年提升。

这个“动”的精神,在后来的伊川农商银行的发展中,一直传承。

伊川县辖14个乡镇369个行政村,从1998年商业银行乡村撤点开始,很多乡镇农村几乎成为“金融”真空地,群众存取款非常不方便,甚至有些特别偏远的地方,村民取款需要一天来回。

为打通农村金融服务“最后一公里”,2014年12月开始,伊川农商银行在辐射性强的偏远中心村,设立“金融便利店”,以满足村民办理日常支农惠农补贴支取、转账、余额查询、口头挂失、存折补登等基础金融业务需求。

2015年,这家金融便利店开到了平等乡马回营村。据该村陈姓村民介绍,一到国家涉农补贴发下来,这家店总是排长队。他说,以前取钱得骑个小摩托花上十几分钟去镇上取,现在好了,店就在家门口,出个门,能查能取,特别方便。

在其他银行还在犹豫资金和风险时,伊川农商银行早已“提着钱”在兴建金融便利店的路上。

康凤利说,为了防范风险,第一批便利店是按照银行网点安全防范标准设立的,采取封闭式管理,有一家便利店甚至安装的是防弹玻璃,花费不菲。

平等乡马回营村金融便利店就是首批“花费不菲”的便利店之一。便利店加盟商陈向浩说,他每个月从伊川农商银行领600元基本工资,同时,一笔业务提成三毛。“平时一个月业务量大概四千笔左右,好的时候能有六七千笔。”

和马回营村不一样的是,西村金融便利店是开放式的,依托的是生活超市。店老板表示,金融便利店给超市带来不少生意,“很多人取完钱,顺便买包烟,买个糖果给小孩,从超市买点吃的喝的带回家,都是常有的事。”

对于前期和后期建店模式的不同,康凤利说,通过前期建店摸索发现,由于便利店不涉及存款业务,大部分业务都是小额支取,余额查询,转账,安全系数较高,所以我们创新性地依托超市、诊所等建立便利店,这大大节约了成本,加快了建店的步伐。

截至2016年底,伊川农商银行已建成210家农村金融便利店,其中,160家投入营业,覆盖率和辐射面达全县行政村96%以上。

勇创新:多产品灵活服务精准助力

2016年底,怀揣200块创业,1999年从伊川农信联社贷到人生第一笔款的“平菇大王”王建民,通过“支农通”,从伊川农商银行贷了100万元。

和他邻村的雷松旺则通过“富民通”,从伊川农商银行贷了10万元。

“支农通”和“富民通”是伊川农商银行“富农宝”信贷品牌的其中两种。

近几年,针对“农”字号金融机构信贷产品太少,信贷对接点不好的难点,伊川农商银行细分信贷市场,不断创新开发“富农宝”品牌。

截至目前,这一品牌已囊括“惠农通”“富民通”“商务通”“微贷通”“抵贷通”“支农通”“村官贷”“脱贫助力贷”等16个信贷产品,每种产品“锁定”一类客户群体,贷款金额小到2000元,大到数百万元,贷款期限3个月至24个月,审批期限不超过一周。

截至2017年1月底,“富农宝”品牌累计惠及企业客户1200余家,受益农户30300余户,贷款余额共计125亿元。

除产品创新外,伊川农商银行推行利率风险定价机制,对不同的客户进行评级授信,对特殊行业、优良客户、个别贫困帮扶对象实行优惠利率。

在审批流程上,它也有自己的一套:一是对符合产品条件的小额扶贫贷款,当天申请,当天放款;二是建立高效审批机制,对所有贷款申请资料扫描上传,即时审批;三是改变以往单线审批流程,变粗放式为精细化。例如,信贷管理系统根据金额和地区将贷款申请划分给有权审批人,对于大额企业贷款审批时间,由半个月缩至一周。

为了让服务更加精准,康凤利说,伊川农商银行采取每名信贷员结对帮扶100个农户的方式,送资金、送科技、送信息,帮助农民致富,同时以政府建档立卡贫困村、贫困户为对象,建立健全金融扶贫信息,精准对接,截至2016年底,建档贫困户10957户。

康凤利认为,通过不断创新,伊川农商银行的金融扶贫从“大水漫灌”到“精准滴灌”,从“锦上添花”到“雪中送炭”。

走出去:10家村镇银行率先突围

近年来,我国农商行积极实施走出去的发展战略,通过跨区域投资其他农村金融机构和开设异地分支机构,进一步拓展发展空间,谋求自身的裂变式发展。

随着资产规模的不断扩大,服务质量的不断提升,盈利能力的不断增强,伊川农商银行率先启动村镇银行筹建工作。2010年底,荥阳利丰村镇银行顺利开业,成为河南省首家跨区成立的村镇银行。

2014年初,银监会再次批准伊川农商银行在河北、新疆批量设立9家村镇银行,成为河南省批量设立村镇银行最多的农村金融机构。

据康凤利介绍,为促进10家村镇银行的科学、规范、效益化发展,伊川农商银行成立了村镇银行管理部,对村镇银行进行分类化业务指导和综合服务,各村镇银行结合当地经济发展特色,因地制宜创新灵活的信贷产品,实行市场化的可浮动的存贷款利率。

目前,10家利丰村镇银行已设立支行12家,2016年底,资产总额达64亿元,各项存款余额13亿元,贷款余额8亿元。其中成立较早的荥阳利丰村镇银行,2016年实现经营利润1490余万元。

康凤利认为,近几年,农商行在村镇银行的布局步伐逐渐加快,伊川农商银行必须跨越式发展才能在竞争中“突围”。

在2016年总结报告中,康凤利说,下一步将利用伊川农商银行的成熟机制,帮助利丰村镇银行做好优质文明规范服务工作,指导规范财务制度,确保利丰村镇银行各项管理规范化。

担起来:慈善捐助破亿元

每逢节假日,伊川农商银行总行及全辖37家网点,总要对伊川当地的孤寡老人等困难户送米、送油、送钱。这是伊川农商银行近几年常态扶贫的一个缩影。

近年来,随着自身的不断发展壮大,伊川农商银行在慈善领域发力明显,无论是教育文化、电力通信、供热供水、绿化美化、抗旱浇麦还是优抚残疾、抗震救灾,都活跃着它的身影。

2016年10月17日,河南省扶贫基金会成立,伊川农商银行现场认捐3000万元用于支持教育和整村搬迁等工作。会上,康凤利说,“再穷不能穷教育,伊川农商银行要将慈善资金向教育事业倾斜。”

梳理伊川农商银行近几年大型慈善捐赠活动,对于教育慈善的“偏爱”,2012年已有端倪。

2012年,伊川农商银行斥资300余万元捐赠32辆标准化校车给当地学校。此后每年,伊川农商银行在教育领域均有大额捐助:2013年,捐资300万元资助诗词中国、书画创作及传统文化和洛一高校园文化建设;2014年,向伊川县一高捐赠100万元给学生购置空调;2015年向发起的利丰村镇银行所在地教育部门捐资90万元作为爱心助学基金;2016年捐资2000万元在鸦岭乡康庄村兴建一座全寄宿式、具备现代化教学条件的公办学校,解决周边数十个村庄学生外出就学的难题。

为何如此偏重教育慈善?康凤利说,深耕农村几十年,他眼见很多贫困户因没有知识而难以脱贫致富,深感忧虑。治贫必治愚,扶贫必扶智,这是伊川农商银行有此偏好的初衷。

除助力教育,近几年,伊川农商银行斥资132.4万元购买玉米收获机助力“三农”;捐赠800万元定制100辆扶贫工作专用车,用于洛阳市100个乡镇的脱贫攻坚工作;2015年又捐资2000万元筹建洛阳地区首个“普惠金融主题公园”。据了解,这座公园是伊川县最大的一处市民活动中心,市民可以在休闲活动的同时,了解最新的新闻资讯、优惠政策和金融知识等,寓教于乐。

据不完全统计,伊川农商银行近几年的爱心帮扶行动达130余次,累计捐赠款项逾亿元。

筑梦未来,52岁的康凤利表示,2017年中央一号文件提出今年再脱贫1000万人以上,河南省定的目标是实现100万农村贫困人口稳定脱贫。作为省级贫困县,伊川县已立下军令状,2017年实现脱贫摘帽,作为伊川县土生土长的金融机构,伊川农商银行需要做的就是,在农村这块土地上,继续精准发力,慈善助力,扎根农村,服务农村,回报农村。

“生命不息,奋斗不止,这是对伊川农商银行,同时也是对自己的期许。”他说。

记者 刘芳/金融世界

分享到:

评论 175

  • 昵称 (必填)
  • 邮箱 (必填)
  • 网址
  1. #0

    Me too! My heart just got so excited with the days approaching up to today! I am looking forward to what GOd has planned with this and all the women whose hearts are going to be strengthened and chagned through what God has to teach them. Thank you for your ever constant friendship, enarmocguent, and cheering me on!

    Lola3周前 (07-28)回复
  2. #0

    I’m impressed, I need to say. Really rarely can i encounter a weblog that’s both educative and entertaining, and let me tell you, you can have hit the nail for the head. Your notion is outstanding; the difficulty is something that not enough persons are speaking intelligently about. I am extremely happy i stumbled across this during my seek out some thing with this.

  3. #0

    Interesting post. It certainly seems true that the US debt seems unsustainable.Sadly however I have no idea as to what the solution is. There again if I did I would probably be head of the Federal Reserve…. and who would want that headache!Still I will be watching out for your additional thoughts.

  4. #0

    Hi Jon,Your post is encouraging. I am motivated how you sacrificed a lot just to pay your debts in just 6 months — that’s totally awesome. I just wish I can do the same, but I think it will take me a year or two before I could settle my debts.

  5. #0

    I got bad image and video file after download completion!! It download full file but corrupted!! As i’m working with downloading large video files, It’s good that it download the whole file! but corrupted, is something disappointing!! by the way nice work!!

  6. #0

    ne veux pas être désagréable avec vous. Nous ne sommes pas d’accord, voila tout. Je n’aime pas Char. Vous l’aimez. pendant ce temps-là, la Terre tourne. Ça n’a pas grande importance.

  7. #0

    scrive:Thanks for the distinct tips contributed on this blog site. I have realized that many insurance agencies offer shoppers generous discounts if they choose to insure several cars together. A significant quantity of households have several autos these days, specially those with more mature teenage youngsters still dwelling at home, and also the savings on policies can soon increase. So it is a good idea to look for a bargain.

  8. #0

    27/08/2011 Р2:55pmEstta claro que lo del a̱o sabatico nada de nada, no habria pedido el fichaje de Cesc con tanta insistencia. Los pseudoperiodistas van agotar las insistencias de antiacidos estomacales.

  9. #0

    I have changed my mind!! I”ve been surfing through my “friends” blogs and just remembered that I have a new mini series to read~ See new book of the day for info!

  10. #0

    covering leftist/progressive aspects. It??s high time that the misplaced trustbalneus.wordpress.comThai Beef Salad A delicious, light, all-in-one meal. Great if you??re on a low-carb diet you won??t even miss the

  11. #0

    I’m curious if you ever have problems with what people post? Honestly the internet used to be like a different place, although it seems to be changing for the better. What do you think?

  12. #0

    Seen in Above All the Rest and Simply the BEST (Post 1 Award 3)You get another Above All the Rest and Simply the BEST Award(Post 1 Award 3)

  13. #0

    "I just started reading McClosky's Bourgeois Dignity. "have you read bernsteins book "the birth of plenty"?tackles the same subject and is perhaps the most insightful economic history book i have read.(well, until the last chapter when he really overreaches)but think about this:$3 a day. you are making a claim in terms of constant dollars.how do you compare year 400 north American currency to that of year 700 or 1200?what's your deflator? how to you estimate purchasing power parity?i'd be very careful with such simple claims as $3 for centuries.it's based on a mile of assumptions.

  14. #0

    Peewee is back hunting toads in the orchid porch. Bucky and Beulah are helping. Fortunately most everything is picked up off the floor, but she is still managing to make a racket.

  15. #0

    Great to read yr comment and all those pointers thanks Luciano!I also like your emphasis on intervention, it's something I hadn't considered. There are so many reasons for sharing this book with our students!Sandie

  16. #0

    To jest moja sÅ‚odka tajemnica.Jestem pod silnym wpÅ‚ywem….Tak jest od przeuroczej majówki.Szczegóły tonight na biaÅ‚ym murku w ogrodzie czyli u Ciebie na prive;)

  17. #0

    Wοnderful blog! Do you have any hints for aspirіng ωrіters? I'm planning to start my own blog soon but I'm a lіttle lοѕt on eѵегything.Would уou гeсommеnd ѕtarting with а free plаtform like Woгdpress or gο for а рaid option?Тhere are so mаny optiοns out thеrе thаt I'm totally confused .. Any tips? Many thanks!Here is my page ::

  18. #0

    Write more, thats all I have to say. Literally, it seems as though you reliedon the video to make your point. You definitely know what youre talking about, why throw away your intelligence on just posting videosto your blog when you could be giving us something enlightening to read?Kalle Engram recently posted..

  19. #0

    Love the photos and the whole idea she was wearing a piece of something so special to you.My daughter actually wore my very own baptism gown from ions ago – my mother preserved it, hoping one day I would have a daughter. It was one of *the* most special moments ever.

  20. #0

    Oh, das sieht super aus!!! Total schön!! Da hast du was Tolles bekommen! Und wir können uns mit dir freuen, weil wir jetzt bestimmt noch mehr tolle Bokeh-Bilder kriegen! :)Ich wünsch dir ein wunderschönes erholsames Osterfest!Glg, Miriam

  21. #0

    F*ckin’ amazing things here. I am very glad to peer your post. Thanks a lot and i am taking a look forward to touch you. Will you please drop me a mail?

  22. #0

    Thanks a ton for your efforts to have put these things together on this blog site. Robin and that i very much appreciated your ideas through the articles on certain things. I understand that you have a number of demands on timetable therefore the fact that you took the maximum amount of time like you did to guide people just like us through this article is even highly appreciated.

  23. #0

    ive always wanted to wear my leopard print pencil skirt to church, but i was always self-conscious that people would think that im just there to look good. In reality i always present myself looking very nice and in my own sense of stlye. I also that people would think im dressed slutty or something. thnks for the inspiration.

  24. #0

    >Kenan bey Hacettepe’deki semineriniz çok faydalı olmuÅŸtu ÅŸimdi bir de bu kadar öz ve güzel anlatılmış bir yazıya ulaÅŸmak süper oldu. TeÅŸekkürler

  25. #0

    Juliana PB comentou em 18 de agosto de 2011 às 11:10. Eu tenho um babyliss fino e não consigo reproduzir no meu cabelo esses cachos iguais ao da Julia (meu cabelo é extremamente liso), será que se eu comprasse um babyliss mais grosso eu conseguiria? Qual a marca do babyliss da Julia?Bju

  26. #0

    maria:further proof of your FAILURE:are you really so ignorant to think that any blog chat herein would ever cover the entire spectrum of my expansive blog??? all of my writings and musings???do u think i am as vapid and limited as u and uts????reallly????FAIL FOOL!!!!

  27. #0

    Liebe Ellen,Deine Erläuterung zur Installation von WordPress führt Schritt für Schritt zum Ziel. Didaktisch gut gemacht, manchmal etwas zu fix. Für einen wie mich bleibt dabei Vieles auf der Strecke, da trotz Deiner Erläuterungen zu viel Web-Wissen bzw. PC-Erfahrungen vorausgesetzt wird.Verbessern lässt sich auch noch die Tonqualität. Deine Stimme bricht machmal zum Schluss des Satzes etwas ab.Nur Mut, weiter so!!!Liebe Grüßer.th.

  28. #0

    “That’s a very naive point of view, Guest. There’s nothing about attracting and maintaining an engaged and excited workforce that . . . ”

  29. #0

    omg same computer i have and same effin problem i have! for fk sake…. can we fix this sht? i hate hp…. if i cant fix this problem, im gona post a video destroying it, Office Space style…

  30. #0

    I’m extremely inspired together with your writing talents and also with the layout in your blog. Is this a paid topic or did you customize it yourself? Either way keep up the excellent quality writing, it is rare to peer a nice blog like this one today..

  31. #0

    Szia! Szerintem nincs a Touch-hoz Launchpad – mivel a Launchpad funkciója az, hogy billentyűkombinációval indíthass programokat. Touchnak nincs sok billentyűje…Ha PDF-viewer miatt érdekel, szerepel a cikkben is, hogy K3-only, jelenleg K4-re nincs.A Touch-hoz van más Launcher, amit lehet(ne) használni.

  32. #0

    – Can you please clarify something for me? Do I cook the nuts twice? Once to improve their digestibility and again to make the crema?Thank you. Can’t wait to try this.August 28, 2010 – 4:10 pm

    car insurance ND2周前 (08-01)回复
  33. #0

    Hi Bob. I actually can’t wait until 26th May to see how many new checkboxes and pop-ups I’m going to have to tick to just browse around. I think it’s going to cause a bit of a stir and plenty of resentment amongst users – not least me Of course, the other school of thought is that mostly everyone will ignore it (or not know about it anyway), making the legislation pretty much unenforceable. Which would be nice.

  34. #0

    Credo che Dario Fo andrebbe contattato per fornirgli materiale migliore da “visionare”, così eviterebbe di associare il nuo rispettabile nome a certe assurdità. Lui è un uomo di cultura, non può stare con certi ignoranti.Per Sblendorio:Se guardi nell’URL della notizia su “il giorno di Dionisio” si vede che appartiene all’archivio di “Sett06”, quindi io direi piuttosto vecchiotta…

  35. #0

    Kalau BN menang itu kerana rakyat Sarawak bijak membezakan antara kaca dengan intan. Rakyat Sarawan tahu mana pilihan terbaik.Sebaiknya kalau PR kalah itu kerana PR memang didukungi dan ditunjangi oleh manusia-manusia yang BODOH, BACUL, GOBLOK dan TIDAK BERWAWASAN. Kalau pokoknya saja sudah bengkok, maka jangan hairan kalau bayang-bayangnya juga bengkok.

  36. #0

    Ah… I know that story ;)Debret is great. It’s pity that they give so much emphasis to the history, with the cultural background and we just learn those things later.You would like to see the exhibition that I saw years ago about those voyagers that came to Brazil to registry the images of the Portugal colony. Beautiful works. Let’s see if I can find something on-line later.

  37. #0

    Rest assured that even though the clothes don't seem like a good or proper fit right now, you will be clothed in His beauty and continue to be a blessing to others, as you have been to me.

  38. #0

    ¿Tu estas completamente seguro de eso RG? ¿El planeta tiene recursos suficientes para albergar y alimentar material y "espiritualmete" (tal y como ocurre en el primer mundo) a 7000 millones de personas? ¿Tienes datos para afirmar que 7000 millones de personas pueden cohabitar en la Tierra sin renunciar nadie a la sociedad del bien estar?¿De verdad?:)Salud

  39. #0

    Mautje!Hoe is het jongen? Hier gaat alles wel z’n gangetje. Erg jammer van Guinee, maar toch een goede prestatie. Net de finale gekeken. Verbaasd dat Egypte de titel heeft geprolongeerd.Echt goed om te lezen dat je het steeds meer en meer naar je zin hebt, en dat het lesgeven op je ‘nieuwe’ school je ook goed bevalt. Mis je wel man! Maar bel je snel!Groeten Paulus

  40. #0

    I support the workers, but when I look back at what has happened with this dispute, it was the Union who started the dispute. After all, the port did offer the same agreement as the one before they started negotiations back in September/October, didn't they?

  41. #0

    przysÅ‚ali tylko niedoÅ›wiadczonych; poza tym mąż zaufania nie może robić podobno wszystkiego – nie muszÄ… mu pokazywać co robiÄ…; tak przynajmniej sÅ‚yszaÅ‚em od męża zaufania; w każdym razie tam PSL rok w rok faÅ‚szuje;lepszy od fotki jest chyba wÅ‚asny dÅ‚ugopis – inny odcieÅ„ tuszu

  42. #0

    More Laptop Security Tips…As an addition to my post earlier today, I’d like to offer these tips for protecting laptops while on the road, taken from a recent Expedia Corporate Travel Newsletter. While some of this information duplicates what’s found in the CNNMoney….

  43. #0

    Hallo, ich darf gar nicht an Montagmorgen denken, da zieht sich bei mir alles zusammen. Nein, Freitagabend ist mir eindeutig lieber Viele GrüßeMara

  44. #0

    I’m curious to find out what blog system you have been utilizing? I’m experiencing some small security problems with my latest site and I would like to find something more risk-free. Do you have any recommendations?

  45. #0

    Inversely – If JM, Jerry, Roger,John Taylor, Brent Jones had Nolan and Singletary as head coaches, the likes of Raye as offensive coordinator, tell us how many SBs they would have been playing in?

  46. #0

    Ok, so presumably you are going to give the owners of the video content some revenue share, but how about the Web sites that are embedding the content and bringing all of the readers?If ads are going to be showing up all over my site and you are going to be making money from it, then I want my piece of the pie as well.

  47. #0

    Hi Laura,I'm your newest follower although I've been reading for a while. I have a food blog too, although I'm NOT a photographer! And, I only have 14 followers and one of them is myself! HA hA. I just got a Cannon 50D and I LOVE IT, so maybe photography is not far behind!Krysta

  48. #0

    The people of the country must be totally insane for allowing the insane to run the country. There being no evidence of sanity anywhere in the country, Sweden may be the first democratically constituted asylum for the criminally, clinically, and politically insane. It's what comes of insisting every nightmare is a pleasant dream waiting to happen.

    baufinanzierung2周前 (08-02)回复
  49. #0

    Eva%A %B %e%q, %YCoucou,Je suis allé dans ce camping, c’était juste MERVEILLEUX, les animateurs sont super ! (Charlie, Rémi…!)Voilà quoi, les animations top, les soirées exellentes …!Moi je dis J’AIME CE CAMPING <3

  50. #0

    Younger children who are old enough and mature enough to be cautious can ride them. Another advantage is no grunting noise, just pure silence of the advantages of an now.

  51. #0

    Por fin algo nuevo bajo el sol, los que votaremos por primera vez me parece que vamos a poder elegir algo distinto. Yo no pensaba votar pero al ver que el partido de Rivera se presenta en Salamanca ire a depositar mi papeleta en la urna y será del color de estos.Espero que los candidatos esten bien elejidos porque es la unica oportunidad que van a tener. Lo de mafiosillos mejor mirar al Pp, Psoe, Iu, etc.etc.etc.

  52. #0

    anything about being attractive, I just said that natural beauty doesn’t just apply to the face! Then again, natural beauty is subjective, and thanks for making me realize that. But I would like it if you would stop assuming what I think because it’s mainly wrong. I think girls are beautiful with and without makeup. In fact, I respect ladies who don’t wear any makeup and I like ladies who do wear a lot of makeup but make it work. thanks.

  53. #0

    begitulah yang dikatakan para online marketer yang sudah berhasil. Malah ada yang bilang, semakin banyak website semakin besar peluang dapat uang. Jika Anda masih mengeluh dalam mengelola satu buah website saja, darimana bisa dikatakan gampang

  54. #0

    Pearl – Delivery Run is exquisite.Tiel – I miss Northwest Novembers – bumper crops of clover in the cracks, chantrelles in the park…alternating frost and fog, the season restless as it goes to sleep. Thanks for the wander through… I’ll never look at my peony (or hostas) again without thinking giraffe

  55. #0

    Great info. I like all your post. I will keep visiting this blog very often. It is good to see you verbalize from the heart and your clarity on this important subject can be easily observed.

  56. #0

    magnificent issues altogether, you simply gained a new reader. What could you suggest in regards to your put up that you just made a few days in the past? Any sure?

  57. #0

    nu vreau sa cred k s`a destramat trupa din cauza lui Laur sper sa se impace dar , dak nu se poate , sper sa reusim sa ii impakm ! makr sa ramana prieteni si sa se salute si sa depane amintiri asha cum o sa facem si noi in legatura cu 3se .. sh mihai a avut un proiect solo si cu timpul a disparut probabil pt k nu s`a ocupat destul si poate asta inceark sa fak laur … sa dedice m ai mult timp proiesctului lui .. asta nu trebuie sa determine o despartire 3se asta o decid ei dar poate ii influentam noi … poate o sa se emotioneze

  58. #0

    People normally pay me for this and you are giving it away!

  59. #0

    Really trustworthy blog. Please keep updating with great posts like this one. I have booked marked your site and am about to email it to a few friends of mine that I know would enjoy reading..

  60. #0

    Alonso 27 octobre 2012 C’est bien continue mon canard.« Quand on lutte contre des monstres, il faut prendre garde de ne pas devenir monstre soi-même. Si tu regardes longtemps dans l’abîme, l’abîme regarde aussi en toi. »Par-delà le bien et le mal (1886)Citations de Friedrich Wilhelm NietzscheMais tu sais, tes pingouines sont lumineuses..

  61. #0

    I’ll delete the comment if you wish, but it’s not like you’re burning crosses on anyone’s lawn.As you’ve probably noticed, I have a weakness for Mel Brooks’ schtick which stomps on identity sensitivities with ruthless glee. That’s probably exactly why I enjoy him so much. Brooks, to his credit, does not spare his own ethnic identity.Let’s both be off to re-education camp! Some time laboring in the fields with the peasants will be good for us.

  62. #0

    September 5, 2011 Good idea,While it only returned a limited number of WordPress blogs, it did give me a chance to try it out and get in the habit of blog commenting dialy.

  63. #0

    Ohh ! justo hace un rato entre a la pag del ciudad vieja, muero por comer este tipo de “Sanguches” .Esta opcion tambien me hizo salivar!!!!!! anotadisima. 2  0

  64. #0

    here’s a solution don’t do internet dating. there are alot of disonest people out there who will lie. if you want to meet new people then just get out more.

  65. #0

    Unquestionably believe that which you stated. Your favorite justification appeared to be on the web the easiest thing to be aware of. I say to you, I definitely get annoyed while people think about worries that they just don’t know about. You managed to hit the nail upon the top as well as defined out the whole thing without having side effect , people could take a signal. Will probably be back to get more. Thanks

  66. #0

    This is a great blog. I have a question: Do you think that it is important for a psychologist to have knowledge of and/or experience with infertility? Or is in-depth knowledge of the subject causing the stress less important than overall knowledge about stress reduction?

  67. #0

    c126Awesome website, don’t know by domain flipping weren’t able to realize that before. Przeczytlem every publish, each and every feedback u note that not merely have We have very similar thoughts about your web blog. It really is remarkable! Fortunate!c9

  68. #0

    Hiya, I’m really glad I’ve found this info. Nowadays bloggers publish only about gossips and web and this is actually irritating. A good blog with interesting content, this is what I need. Thanks for keeping this web site, I will be visiting it. Do you do newsletters? Cant find it.

  69. #0

    cjjack What really gets me about the whole “Saul Alinsky” angle is how far removed it is from the man Obama is today. He once worked as a community organizer for an outfit that was nominally inspired by Alinsky?Hey, I once worked in a McDonald’s. Does that mean I’m a disciple of Ray Kroc?

  70. #0

    Prietene, eentr-o lume normală ar treubi să ai bani şi o viaţă eendestulată din arta pe care o faci. Bănuiesc că nu e aşa. Nu renunţa nici un pic, ai o datorie, nu către societatea aceasta nerecunoscătoare, ci pentru cei ce vor veni.

  71. #0

    I’m not sure why but this blog is loading incredibly slow for me. Is anyone else having this issue or is it a problem on my end? I’ll check back later on and see if the problem still exists.

  72. #0

    Powerbeats sitter som støpt og leverer veldig god lyd, men volumkontrolleren feiler etter 2-3 måneders bruk. Det begynner med at mikrofonen slutter å virke, så slutter volumkontrollen å virker, deretter begynner den å skru musikken av og på og spole frem og tilbake helt tilfeldig. Jeg har byttet mine powerbeats 2 ganger allerede og nå svikter jaggu det tredje paret også. Dessverre kan jeg ikke bruke iSport eller lignende, jeg må ha bøylen rundt øret ellers faller selv plugger ut.

  73. #0

    Taxi putra bukan? Emg kelakuan supir dari taxi-2 ga jelas ya gt…. mabok trusss…Hmm hotel Grand Alia bukan? kekekee… pdhl blm tentu tampang mesum itu pasti bawa perempuan kan? Bs aja tampang baek2 yg suka bawa perempuan..

  74. #0

    Dear Dawn,Classical music, with its pitch, tone, dissonance and arrangements seems to stimulate our brain in ways that other music doesn’t. It primes the brain in wonderful ways.Today, I put the milk in the pantry. So much for being alert!Dear Donna,I know I feel that way too. I have forgetful moments!Dear Chase,I remember how timeless things felt as a child…and how time flies now as an adult. I think you may be onto something with your comment.Dear Raine,So glad this can be meaningful to you.~Deb

  75. #0

    “But I would find the men guilty of ‘taking advantage of her incapitated state’, which is slightly different but don’t think there is a law actually prohibiting that!”Yes there is. If there’s no consent then it’s rape. If I’m asleep and you start having sex with me, then I haven’t had the CHANCE to give consent.

  76. #0

    While rankings can be a great symptom of success (or at least a good start0, ultimately we SEOs are responsible for creating relationships between our clients and their customers. All the rank and traffic in the world is meaningless if it doesn’t create real-world relationships. Its only with targeted, valueable behavior that produces revenue that can truly say an SEO campaign was successful. As shortsighted as rankings and traffic can be, they still seem to be the “hip” metric in the industry.

  77. #0

    Hello there! Great article! I am a usual visitor (even more like addict ) of this website sadly I had a is sue. I’m just not really certain if its the right site to question, but you have no spam comments. I get comments day by day. Can you assist me? Thanks for the tips!

  78. #0

    Jeg igjen valgte Venstre på grunn av saker. Fra bunnen og opp. Et parti som har flere saker man er enig i kan man med større sannsynlighet være enig med ideologien til dersom de ikke overdriver hykleriet totalt.

  79. #0

    da gibt es noch sooooooooo viele tolle Ecken in München die noch viel schöner sind…. und eigentlich ist ja bei dem tollen Wetter der Biergarten ein muss oder ???Grüße vom(w)estfalen in (ob)er (b)ayern

  80. #0

    Eleonora Codeco Rodrigues disse:Oi Lina,Estarei em Paris entre 08 e 11 de outubro, ficarei em Saint Germain e tenho vontade de ir em um Mercado das Pulgas que tenha canetas, objetos para casa etc….você poderia me informar o mais legal.Obrigada,Eleonora

  81. #0

    seriously, this beta version takes up too much memory for almost all our computers. some people do not have better computers and thus having problems watching the videos. beta version is a no-no and almost everyone disagrees. just switch back to the original youtube we all love or else we're gonna change to other video-sharing websites. others may like to watch videos with better quality in the smaller size and youtube just removed the option. thats a bad choice. FOR THE SAKE OF EVERYONE SWITCH BACK <.<

  82. #0

    I have got one suggestion for your webpage. It seems like at this time there are a few cascading stylesheet troubles when launching a selection of webpages inside google chrome as well as internet explorer. It is working fine in internet explorer. Perhaps you can double check that.

  83. #0

    Hey there! Somebody in my Fb congregate public this situate with us hence I got here to create it a look. I am positively having enjoyable with the information. I am guide-marking and will perhaps ensue twittering this to my followers! Superb blog and trivial design.

  84. #0

    Kevin,Well, they won the first game because Rondo was just ok and Allen was awful, of course KG was subpar on to of that as well. They’ll need to find some way to replicate that, and hope that Rondo and Allen didn’t just have off nights. I don’t expect LA to be able to, I already picked the C’s in 5 or 6, but you never know.

  85. #0

    Makeesha -I was just in Denver last week and got to see Joe. Thanks for the comments and I graduated from Colorado State University – lived in Westfall Hall for 2 years.Dan

  86. #0

    Još od malih dana obožavam miris sapuna i njegove boje. Povremeno sam na poklon dobivala one koji su rukom rađeni i jos uvijek ih čuvam kao male dragocjenosti. Radionica izrade sapuna kod Saše bila je korak bliže tom prekrasnom mirisnom svijetu, pa sad mogu i ja druge razveseliti mojim malim mirisnim uradcima. Hvala Saši za prekrasno odrađenu radionicu, ispunjenu smijehom i toplinom, ali nadasve njegovim znanjem koje samo izvire iz njega i koje vrlo rado i bez zadrške dijeli s drugima. Bilo je ispunjavanjuće i za um i za dušu!

  87. #0

    Relaxing would be the best way to get them under control. Try getting your mind off of every thing a few hours a night and your stress level should decrease.

  88. #0

    well this one, at least, is perfect! I say post the best ones and share the rest in a facebook album or something (I bet you're overcritical though and they are all wonderful!)♥ ThankFifi

  89. #0

    Hi,Yes, I received your email and I got your Twitter feed working. Here is a link to the working feed – . I think the reason it was not working is because the Javascript to make the links open in a new window was not directly before the closing tag, and also you had not added class=”twitter” to . Once I made those two changes, the feed worked correctly. Thanks!~Libby

  90. #0

    MiniPhasme : PS : Rochefort désigne aussi une commune belge…Et surtout une bière ! Trappiste qui plus est… Je vous soupçonne fort d’avoir omis ce détail à dessein.

  91. #0

    the following…Jesus does!“But when ye pray, use not vain repetition, as the heathen do: for they think that they shall be heard for their much speaking” (Matthew 6:7)Again…goodbye all. I will leave you all to Jesus!

  92. #0

    yo this man is coming back to stage know he is and he should wtf! ur progressing like crazy man i know alot of it has to do with muscle memory but still… u growing like crazy im with you man dont give up keep going after this thing is done@@@!!!!

  93. #0

    Also, I believe in the same “transportation bill” there was Arctic drilling included because I was asked to send a message to my Congressman regarding it which I certainly did. If so, why wasn’t that on this petition as well? Because it makes Obama look bad? As I stated, playing politics with this will not solve this crisis.

  94. #0

    Bunicii sau strabunicii nostrii, au trait, unii dintre ei poate, povesti asemanatoare.In zilele noastre, s-ar putea, dar cazuri foarte izolate sau chiar inexistente.Alte timpuri….Un film frumos.

  95. #0

    Gov. Christie fucked everything up! Rutgers University was originally suppose to cultivate the marijuana for dispensaries under the bill Corzine signed right before he left office. FUCK CHRISTIE!

  96. #0

    Youre so cool! I dont suppose Ive learn anything like this before. So nice to find any person with some authentic ideas on this subject. realy thanks for beginning this up. this web site is one thing that is needed on the web, somebody with a little originality. useful job for bringing one thing new to the internet!

  97. #0

    Sad to see these things take place in USA where the powers that be claim that they uphold justice!I pray for these brothers of mine. May the Grace of God abound upon them

  98. #0

    keep up the good work on the site. I appreciate it. Could use some more frequent updates, but iÂ’m quite sure that you have got more or better things to do , hehe. :p

  99. #0

    – I pulled the trigger on what I do think will be the most limited edition (meaning paint color), the Hemi-Orange a person. Hope it was not a mistake but when only 1500 of the color ended up designed, it really should be incredibly collectable in the near future. It should appear very good in my son’s collection.

  100. #0

    Right, the “zombie” was just some guy in a monster mask. Lame. But the umbrella is killer. Wonder if they sell it on Amazon? If so, need to add it to at least two of my gift lists.

  101. #0

    “flexible chest technology” thing of this figurine. For those who don’t, go check Heisei Democracy review. Well, when I first opened the boxe I tried it, inevitably. It isn’t as soft as I thought.

  102. #0

    Anatole | (21:49) EN EFFET, BA KENDAKI VOYAGE NA SN AIRLINES, BANA BAZONGI NA TURKISH AIR LINES!… QUI DIT VRAI?.POLEMIQUE NA LIKAMBO OYO EZA ATA PLACE TE.O.K., TOYOKA PE TO ZELA DROIT DE REPONSE YA CONGOMIKILI NA BA COMBATTANT EZA NA NZELA…

  103. #0

    Horse är slang för Heroin. Var mycket skriverier om det när den släpptes har jag för mig. Ska väl vara lite dubbeltydigt. Kanske vill Spånka att man ska tro att de lever som rockstars och knarkar för fullt?

  104. #0

    Eppure, io nonostante tutto e il periodo gramo per chi produce alimenti, per questo piccolo prodotto sono fiducioso di fare ancora meglio e bene di adesso e levarmi qualche soddisfazione.La storia di ognuno è in ciò che fa e ciò si è insime alle esperienze passate belle o brutte che siano.

  105. #0

    Le 20/08/2010 à 11h13 Up!! Cet a plus de 2 ans je sais. Une des madz aurait-elle essayé? 2 commentaires disent que c’est hypra top, mais celles qui disent ça n’ont pas l’air très assidues du site ce qui rend leur réponse louche…Je suis assez d’accord sur le fait que c’est moche, bizarre etc, mais si ça marche, wouah quoi Les gros nénés comme moi seraient en pleine marche vers la révolution de leur garde-robe!!!!!

  106. #0

    We used to do a lot of reading aloud too. In the early days of our marriage it seemed so romantic. Then we had all those years of reading aloud with our children and now the grandchildren. It’s time to resurrect that old habit. Thanks for the reminder.I like your words this week, especially monomaniac. I think we can use that to describe many book bloggers.

  107. #0

    Well Malick is my favorite living artist. I have only seen there will be blood (meaning to see the rest this month) so I can’t really say but if his other work is that good then I would say yes. I really don’t see another artist truly emerging. I was hoping with “memento” and his student film “following” Nolan might be one but he’s gone down a different road.

  108. #0

    Dans tous les cas, c’est intéressant de prendre conscience de ces problèmes mais aussi de l’avis des lecteurs/commentateurs, de voir également que beaucoup d’entre vous se sentent concernés. Merci pour ces écrits.

  109. #0

    lovely, would’ve preferred the original song in the background, but…as I always thought Liverpool was heavily industrial, not particularly scenic, have a totally different view. Spent a lot of time in the UK, and figured (though loved the beatles) it would just be touristy stuff…now, feel sad that I didn’t go.

  110. #0

    Or consider what will happen when we finally bridge the current technological chasm that prevents us from properly tracking and attributing consumer behavior and conversion not just across marketing channels but across platforms (e.g. mobile vs desktop vs TV). Heck, imagine what will happen when marketing and advertising can read thoughts psuedo-telepathically?

  111. #0

    his supportive line to me in the early ’70s, not the late ’60s. The late ’60s is when I was “discovering things in high school”. Not that you needed to know that. I just needed to say it.

  112. #0

    FragaConcordo com todas as suas observações. E acrescento: os “atletas” deveriam parar e pensar sobre o doentio hábito de fumar durante as competições. O ambiente fica insuportável. Não sei como ignoram as crianças (às vezes, os próprios filhos) que respiram tanta impureza. Pensem! E parem de fumar (ao menos no local dos jogos, e “local” serve pra tudo, fora das pistas, banheiros, cantinhos, etc.).

  113. #0

    Man jau liekas, ka liela daļa kaut kur brauc un par to arÄ« vÄ“lāk uzraksta- Laacz uz Lielbritāniju, asmo uz Franciju, zaļas lietas pa ASV, dullais sapnis pa Igauniju… ceļojumu apstāsti ir diezgan daudz. P.S.*katutrÄ«gi piebilstot* es ar it kā mÄ“Ä£inu aprakstÄ«t savu braucienu pa Muhu-Sāmsalu. Tikai nezinu kā ar interesantumu, es vairāk mÄ“Ä£inu tā informatÄ«vi apstāstÄ«t.

  114. #0

    So I can take a screen shot with my galaxy s2 lte with ice cream sandwich by holding down power, volume down and home key but now the volume bar in in the screen shot. How do I get rid of that?

  115. #0

    ESSE É UM DOS ESCABROSOS CASOS DE TUDO PELO DESENVOLVIMENTO QUE O GOVERNO DO ESTADO VEM FAZENDO. É INCRÍVEL QUE NINGUÉM VEJA ISSO E TOME UMA PROVIDÊNCIA MAIS CONTUNDENTE.

  116. #0

    YUM!!! I need to get my hands on this- I love new and exotic fruits. I adore passion fruits & guavas! Maybe our NYC Whole Foods will get some of these exotic fruits in

  117. #0

    PamiÄ™tam to jak dzisiaj. ByÅ‚ 24 grudnia 2010, godzina 6.00. SpaÅ‚em jak zabity, aż tu nagle budzi mnie woÅ‚anie „ujek, ujek, wstawaj”. Jako pierwszy przyjechaÅ‚ mój chrzeÅ›niak . Kwestia kilku godzin i dom byÅ‚ peÅ‚en ludzi, których kocham. A jeżeli chodzi o sÅ‚odycz w znaczeniu dosÅ‚ownym, to nic tak nie smakuje jak ciastka pieczone przez mojÄ… MamÄ™ tylko raz w roku, wÅ‚aÅ›nie z okazji Å›wiÄ…t Bożego Narodzenia . MyÅ›lÄ™ że każdy ma taki smak, który przywoÅ‚uje mu czasy spÄ™dzone przy wigilijnym stole czy choince…Pozdrawiam,

  118. #0

    Hey there Mr. Carlson. How are you? You’re my teacher i love the trout in the classroom they’re almost out of the little basket thing i hope all of them are ok bye see you later from, awesome super duper cooper

  119. #0

    “The boys watch the girls while the girls watch the boys who watch the girls go by”? Avec tes histoires de cappuccino, voilà que j’ai cette musique en tête… 🙂

  120. #0

    Interesting. Last night (preparing for the RailsBridge installfest tonight) I had a similar “can’t compile native rails extensions” problem that I solved by making a symlink from gcc-4.2 to gcc. I decided it was Rails’ fault in this case.

  121. #0

    yeah, last i heard conservatives were leaving wall street in droves beating a path to the nearest universitiesYes, its that low pay that attracts them all. ;-)My understanding is that there is much more remuneration available to conservatives in think tanks and such, versus strict academia. And the standards are lower. You just have to agree with the sugar daddies’ viewpoints, or pretend you do. A conservative’s dream.

  122. #0

    Eren diyor ki:Vatan bey o kadar reklamlara çıkıyo bu sonuçların ve kazanan talihlilerin de ev ve arabalarını teslim ederken gösterecekleri reklam filmler de yayınlasalar ya? Hatta irtibat numaralarıyla o kiÅŸilere ulaÅŸarak gerçekten alıp almadıklarını öğrensek. Ben o isimleri facebook’tan araÅŸtırdım hadi 3-5 tanesinin hesabı olmasın hiçbirinin demi hesabı olmaz, hiçbirine ulaÅŸamadım. Bu ne yaman çeliÅŸki? Vatan beye duyurulur. Biraz vicdanlı olun eÄŸer bu iÅŸte dolandırıcılık varsa onların allah bin türlü belalarını versin

  123. #0

    Weer met bewondering je mooie blokken bekeken. zo mooi de blauwe kleurtjes.Gezellig zo samen met Merel bezig te zijn, geeft een stimulans.Groetnis Annie

  124. #0

    Wondeгful blog! I found it while seaгсhing οn Үаhoo Neωs.Do you have any ѕuggеѕtions on hοw to get listed in Yahoo Newѕ?I've been trying for a while but I never seem to get there! Thank youHere is my blog post:

  125. #0

    I love that kitchen, and your description feels so right on when you say that upstairs downstairs look. It does, doesn’t it? Those cookies look scrumptious!! Oh, and I’m dying over your new lanterns.

  126. #0

    sono centinai di milioni di persone è questo il problema, è vero, tutto il resto contiuna a non capire che Gesù non si scndalizza e non li condanna per per la loro umanità,vorrebe solo che guardassero a Lui per cominciare a vivere un’ Umanità nuova…

  127. #0

    Skulle gärna skicka ett par, men Lyxfällan-Charlie skulle redan nu svimma om han sÃ¥g mitt kontoutdrag och andelen transaktioner pÃ¥ sportbutiker…

  128. #0

    Yes, that is precisely the point with much of the code that I share here at Perishable Press. As you may have guessed looking at the site’s current design, I am way into easy, no-frills approaches and minimalistic design functionality. You are totally right, however, about there being “cooler” effects available, and I intend to explore some of the “newer tricks” with the imminent development of future projects. All in good time, my friend! 😉

  129. #0

    New to your site, and loving it so far. I too work for the Fed and lunch-time peer pressure is very difficult to overcome, so my hat’s off to you. since you already make your lunch while at work, use that same fridge to keep snacks for the other times of the day. I started bringing in yogurt and fruit to work so that I wasn’t tempted to grab candy/soda from the vending machines. Saves me a bunch of money over the course of a month..-= bhleigh´s lastest post .. =-.

  130. #0

    Hello,Depuis cet article j’ai encore eu confirmation que la chose allait bientôt paraître… vraisemblablement à partir de la rentrée. Je maintiens un minimum le mystère, mais chroniquerai bien évidemment la chose lorsque cela sortira.En attendant, bon camping, mais prenez garde aux tentes hantées et assurez-vous que toutes les sardines sont à leur place…Bien à vous,Cecil McKinley

  131. #0

    Oh tesoro da te accetterei anche l'habanero … con il pericolo poi di giocarmi definitivamente le papille gustative.va che son piante ben strane, le mie stanno producendo ancora oggi; ho fatto corone di peperoncini e alloro per natale :).baci anche a Remy

  132. #0

    Thank you for the suggestions on the scallops, K2. I’ve never done piping before (something to conquer this year!) and I’m not sure if my skill set is up to piping scallops. I’ll still continue this project but in a more conducive fabric …

  133. #0

    Luomu-Ellin kommenttipalsta on aika tuskaista luettavaa :DKiitos linkeistä, kiinnostavaa oli erityisesti tuo hintavertailu.Siinä sitten hyvää oloa pohdiskellessani tajusin jauhavani Xylitol-purkkaa. Ja syön sitä aika paljon päivän mittaan. Ryhdyin pohdiskelemaan minkähänlaisia vaikutuksia sillä on elimistölle ja ympäristölle? Osaatko Noora kertoa?

  134. #0

    Sì, però è un FISICO che parla (male!) di argomenti di BIOLOGIAciò non giustifica l'epiteto di creazionista, se non erroL'evoluzionismo non va usato come argomento ateistico perché nessun argomento scientifico lo può, non perché l'evoluzionismo sia imperfetto questo lo devi dire non a Zichichi ma agli atei che usano strumentalmente l'evoluzionismo imperfetto (e infatti non lo è, o comunque molto meno di quanto dica il Zic)o non lo è o lo è meno di quanto dice Zichichi! io nel mio piccolo penso che le osservazioni di Zichichi siano pertinenti e lo dico da non credente 🙂

  135. #0

    Maybe I should have made an anniversary post. I was too distracted around June 21st.Well, there's always next year.Thanks everyone, and thanks for watching my show.

  136. #0

    A crossed out fifty, lying about your age, then I find that you are six days older than me! So that means I must look better than you? Think I’d better have a shave!So happy birthday for Sunday. Ah, then again time difference means I get to tomorrow earlier than you, so does that mean I age quicker too?

  137. #0

    To Brenda’s family. I am so sorry to hear of your loss. Brenda was a great person who had the biggest heart and she will be missed. She touched so many lives and will be fondly remembered.Pam Parks

  138. #0

    very very pretty shades of blue haru! thanks for the eotd! you make me want to get the palette as always. lunasol e/s palettes usually retail here for Php2,800 (S$84) very high price right? thats why i always wait for discount events or order online :|what brands are best to buy in singapore? any recommendations? 🙂 i would appreciate it very much 🙂

  139. #0

    Was für ein dämlicher Domainname. Name+r – Willkommen im Web 1.2 beta! Meine Meinung zu solchen Blogs will ich hier mal garnicht äussern, die müssste genauso zensiert werden wie die über die pseudo SEO-Blogs. Naja, wenn es dir etwas Taschengeld bringt, wünsch dir viel Erfolg.

  140. #0

    Awesome to hear this. Like Michel R I tend to err on the lean agile physique whilst maintaining power and to see the genetics of levrone at 220 will be incredible and motivating for me. Balance in the whole structure along with muscle shape should be inspiring and I think possibly better than when Kevin was on the gear. Good luck everyone on their goals for the coming year!

  141. #0

    if you're a tall bride with a not-so-tall groom. Image from Closer to Love Photography via The Wedding ChicksThese flats are particularly fantastic for a fall mountain wedding. 1) They're brown, a classic

  142. #0

    à ce prix là c’ets une affaire !@BabethOui c’ets sur que ça détourne les regards ! :)@ZetteEt la gazinière tu crois qu’elle a un joli sac assorti ? Parce qu’à la limite si ça peut te faire un joli ensemble de voyage ! 🙂

  143. #0

    Bon, voilà, ça m’arrange bien pour les pronos, Gonzalez a battu Tsonga en quatre sets, avec un super tie-break au quatrième. Celui-ci avait bien commencé, mais sur la distance, il a été étouffé par la combinaison puissance/régularité du Chilien. Cet homme est dangereux, si je ne crois pas en la victoire de Monfils sur Nadal, le plongeur peut par contre le fatiguer raisonnablement.Serena contre la lanceuse de poids en demie.

  144. #0

    Hello,I just saw the show of the missing family on the discovery channel in het Netherlands. How i wished there was some good news for the family and friends after more then two years! Iwish you alle al lot of strength and i hope you find the answers that you so desperately need!

  145. #0

    Bah! Surely you know that “hierarchy” derives from Greek “hieros”, holy, rather than “hier” as comparative of “hi”, and therefore “lowerarchy” is a neologism coined via a false etymology!Slow day in the office.Martin.

  146. #0

    3  0that is just sickening as I mentioned earlier, they are kids themselves and guys who date 18 year olds and are much older than them, i have a hard time respecting.

  147. #0

    Bookslinger, I am not really sure what #21 is smoking. If they had been paying attention they would have seen that nobody on this thread is going to peg Pres. Uchtdorf as being a pre-mortal sinner based on the circumstances of his birth.I wholeheartedly endorse your points; we have no way of knowing what is or isn’t an advantage or disadvantage.

  148. #0

    Reputable Uggs Great deals Great britain over the internet,our own Real Ugg boot Sale English are actually discounted ugg boot,purchase our discounted ugg boot take pleasure in Free delivery

  149. #0

    Anh?! Agora respondi ao nível… Isto é que é debate!Mas não se iludam, foi mesmo brinde. Não há mais. É que gosto de conseguir olhar-me ao espelho sem problemas.

  150. #0

    Tara……congratulations! You absolutely deserve it! (not just for posting on here….but for bustin’ your butt getting all those guest posts out there too!)I truly wish you continued success in your life!Keep Rockin’ the world! Mikep.s…It’s completely irrelevant….but your blog recently passed my site on the “Alexa Ranking” []

  151. #0

    Yeah, I've had an authority of 1 there for months, and the last post it shows for my site is from January. I emailed a query, but got no response.It's too bad they're completely worthless, now. I might s well take their widget down.

  152. #0

    Wow. That definitely doesn’t count as a cheesy printed hoodie! And I love the whole outfit—it looks so comfy and warm without looking sloppy (sweatpants and Uggs, anyone?)

  153. #0

    oah. Bombe. Der Zeichenstil ist grandios, die Story klingt gut… 48 Seiten für knappe 14€ sind was, wo man erstmal überlegen muss, aber das erste drückergucken verführt. …dieser Blog macht mich noch arm. ^^”

  154. #0

      December 12, 2011Here’s a question for you…I have the problem where I have stories that zoom around in my head like one of those ticket machines at arcades. The problem is that I can’t seem to get them on paper legibly. I can outline them. I guess what I’m asking is how do you organize your thoughts so that they don’t come out one tangled mess? How do you prioritize or catalog ideas?

  155. #0

    you’re right, we go to church because we need a savior, and you’re right it’s not a social club.But the church is supposed to be a representation of Jesus, but sadly we don’t all treat each other the way we should.Thank you for sharing your thoughts.

  156. #0

    "Rafael Palmeiro, whose case was debatable on the statistical merits anyway…"Can someone please explain how 569 HRs and 3,020 hits is "debatable?" Especially with Andre freakin' Dawson in the Hall. Come on now, steroids is the only issue here. It would be nice for Silver to admit that.

  157. #0

    Je cosigne tout. C’est Agassi qui disait qu’il anticipait énormément en retour. Alors il se prenait quelques aces de plus, c’est certain, mais ça a fait de lui le relanceur que l’on sait.

  158. #0

    , I do come to some of the same conclusions as many who utilize Reformed thought on a large number of issues, but do so with a different (and I believe better) hermeneutic that was fairly consistently taught at SEBTS just after the turn of the century (more text-based and inductive).

  159. #0

    Haha, the colour orange is definitely coming in, if not this fall, then definitely this winter of spring. I've already seen it as a big deal in a fashion magazine, except I can't remember which one.

  160. #0

    before you get it up the stairs you also need to figure out where or how to park your moving truck–its hard enough parking a regular car in nyc yet alone a moving truck–save yourself the nightmare and hire movers Was this answer helpful?

  161. #0

    sziasztok, arról esetleg nem tudtok, hogy magyar ujságok miért nem próbálkoznak ilyesfajta fejlesztésekkel? illetve ad e valami pluszt a kindle felület, az online elérhetőség sendtoReader elküldéséhez képest? (miért fizessek elő, ha az amúg yelérhetőt elküldhetem ingyen is? vagy vannak teljesen fizetős -elérhetetlen- részei is a lapnak?)

  162. #0

    tendrían que ser mas positivos che!! paciencia después de la tormenta la calma llegara yo creo que de todas las personas que tiran abajo a la novela ninguna sabe disfrutar de una buena novela como lo es DA quieren empalagarse de amor todo el tiempo y así no tiene sentido debes en cuando nos hace bien sufrir para después volver a disfrutar del amor de marcoria.

  163. #0

    nee: chop then fry. try it soon?bbo: u too, try it soon :)preciousp: no lah, urs were splendid. i wanted to grill them cos they’ll be less oily but i thought they’ll look better fried…terrible isn’t it, tt my photos now come first!

  164. #0

    > Ya-Graphic : je te confirme que prendre le métro à Tokyo ou à Los Angeles est beaucoup plus décontractant et les gens ont bien plus de savoir-vivre que chez nous.> Florian : pour les strapontins, je n’ai pas trop remarqué le problème. Généralement, quand il y a du monde ils se lèvent ou sinon on fait tout pour les encourager et ça se passe relativement bien…je trouve 🙂

  165. #0

    inteleg faza cu tagurile, cand iti da cineva un tag ai impresia ca se apuca decida ce sa scrii tu in propriul blog, ceea ce e enervant… uneori tagurile pot sa contina idei interesante totusi, nu poti sa zici ca sunt 100% aiureli  

  166. #0

    Simona sako:Mano mamos firminiai šitie sausainiai su baltymais:) Ir jos receptų knygelėj irgi yra brėžinys, kaip pjaustyt tešlos apskritimą ir kur tept įdarą:))

  167. #0

    A common figure of speech concerning perception of music is "resonance". I always suspected that something resonance-like is actually quite literal phenomenon all the way down to neuronal level.

  168. #0

    esti foarte frumoasa, ca de obicei; imi plac mult pantofiorii, chiar cautam asa ceva pentru perioada urmatoare, ca deja nu mai pot merge pe tocuri…pupsiki

  169. #0

    The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

  170. #0

    Demiurgo: Tienes razón en lo que dices. En ese caso podríamos decir que actualmente la música mediocre o no tan bien lograda suele recibir más difusión que las bandas, músicos y cantantes que hacen algo realmente bueno.Saludos y muchas gracias por tu comentario.

  171. #0

    Chinese restaurants in the UK always have hot and sour soup in their menu, and it is something that I always order. Thanks for the recipe, I just need to buy some seasoning and start cooking! 🙂

  172. #0

    Ce pain d'épices est très connu et mérite de l'être encore davantage ! J' habite en Bourgogne et je suis très attachée à toutes ces saveurs de la région… J'adore notre terroir, et toutes ses bonnes choses à découvrir, la liste est longue… merci pour ton beau clin d'oeil !!

  173. #0

    mah (higher than std alkaline batts.) & charger.I switch the batteries every 2 weeks or as needed. Fits all my needs. The light fits in my back pocket alongside the 2 magazines & stays in place nicely. It is much thinner than the lights using CR 123 batts. Its price is right around $50.00.

  174. #0

    I had alaska bombe once in some restaurant back in kl. unfortunately, the restaurant is closed now. Inside the bomb were three scoops of ice cream, cake, biscuits and other type of desserts. It was pretty crazy but the fact that it was presented with fire on the table was just unforgettable.

  175. #0

      SodaloHmm, ide til løpetur: parkere i Chamonix, løpe over til Sveits, ned til Italia og ta gondolbane over til chamonix igjen. Tror ikke det er sÃ¥ fryktelig langt. Kanskje et par dagsturer i rolig tempo. Garantert en tur man aldri glemmer i hvert fall. ps: den gondolbanen gÃ¥r opp til 4000 meter!

河南人网

官方网站关于我们