Es de esperar que la tercera iniciativa para legislar una reforma del sistema de AFP (luego del proyecto del final de Bachelet y el de inicios de Piñera) sea la vencida. Habrá que poner especial atención al comportamiento de los parlamentarios que han sido miembros de directorios de AFP (los hay, como la senadora Rincón) y/o que defienden sus intereses, los que intentarán mantener a estas entidades a toda costa (obtienen altas utilidades sin función social alguna que defenderán con dientes y muelas), y evitar la creación del órgano público encargado de la capitalización colectiva.
Gonzalo Martner
El gobierno presentó su reforma de pensiones, que toma en cuenta, en parte, los consensos previos, pero también hereda las controversias no resueltas y, al mismo tiempo, innova para avanzar en ellas.
El nuevo sistema quedará con un primer piso, a partir de la ley aprobada en enero, que permite que el 90% hoy, el 100% mañana si se aprueba la reforma, tenga una pensión básica universal llueve o truene, financiada por los impuestos (dicho sea de paso, es un vilipendiado «sistema de reparto», es decir, de recaudación obligatoria y pago mensual a quien tiene el derecho previsional). Su monto dependerá de los impuestos, por supuesto. Y no faltarán los que no quieran subirlo, pero sin subir los impuestos: la mala noticia es que no cuadra. Pero este gobierno la llevará al menos a 250 mil pesos para casi todos. Un mayor aporte tributario de los más pudientes podría mejorar ese piso universal.
A eso se agrega que, para bajar las comisiones en el segundo piso de capitalización individual (1,2% en promedio hoy sobre el 10% obligatorio), se reemplazarían las AFP por «Inversores de Pensiones». La recolección de los fondos lo haría ahora el «Instituto Previsional Autónomo» (hoy Instituto de Previsión Social) para aprovechar las economías de escala, usando las tecnologías de la información pertinentes. Ese menor costo administrativo permitiría bajar a 10,5% la cotización obligatoria para el trabajador, aumentando el sueldo líquido. Se cobraría comisiones por el valor del fondo y no un porcentaje del aporte mensual, para responsabilizar a los inversores privados con el monto acumulado. Existirían categorías de riesgo, según edad, a los que los afiliados serían asignados. El tope de sueldo imponible sería de unos 4,2 millones, el mismo existente en el seguro de cesantía.
En un tercer piso, se propone que el 6% adicional de aporte del empleador (1% por año en lo sucesivo hasta llegar a 6%) ya acordado por el anterior parlamento -pero no aprobado- sea administrado por un nuevo «Inversor de Pensiones Público y Autónomo», de carácter profesional, con un consejo de 7 personas. El 70% del aporte del empleador quedaría registrado por su valor efectivo y el 30% restante por el valor promedio del sueldo de todos los cotizantes, para permitir un aumento de las pensiones más bajas con un moderado aporte de los sueldos más altos. Existiría, además, una Garantía de Pensión, equivalente a 0,1 UF por año cotizado, con un máximo de 30 años (unos 104 mil pesos).
También, el «Inversor Público» podría recibir los aportes de los cotizantes que voluntariamente quieran confiarles su 10,5%, en vez de hacerlo a los inversores privados, aumentando la competencia en el segundo piso de capitalización individual.
La pensión contributiva se calculará en función de lo acumulado individualmente a lo largo de los años y de la esperanza de vida, sin distinción de sexo. Esto mejorará sustancialmente la pensión de las mujeres. Existirá solo una renta vitalicia, en UF, pues ya no habrá retiro programado que deja en niveles muy bajos las pensiones en la edad más avanzada, que es cuando más protección se requiere. El que quiera podrá separar un monto de lo ahorrado que se sustraiga de la pensión para heredarlo a quien desee.
Un cuarto piso completa el sistema, es decir, el actual esquema de APV, en el que se privilegiará un Ahorro Previsional Voluntario Colectivo, a pactar a nivel de empresas, que otorga incentivos tributarios a los ahorros voluntarios para complementar las pensiones contributivas.
Este es el esquema básico de lo que el gobierno ha diseñado. Para un trabajador que gana 400 mil pesos hoy, con 50% de lagunas de cotizaciones la pensión pasaría de 268,5 mil pesos a 392,4 mil pesos, por aumento de la pensión garantizada de 194 mil a 250 mil pesos más 68 mil pesos por redistribución. El mismo caso de una mujer llevaría la pensión de 257,7 mil pesos a 392,5 mil pesos, por los mismos incrementos más unos 11 mil pesos adicionales a su favor por cambio en la tabla de mortalidad. Las tasas de reemplazo del salario previo serían para esos salarios cercanas a 100%, y para salarios de un millón del orden de 60%.
Es de esperar que la tercera iniciativa para legislar una reforma del sistema de AFP (luego del proyecto del final de Bachelet y el de inicios de Piñera) sea la vencida. Habrá que poner especial atención al comportamiento de los parlamentarios que han sido miembros de directorios de AFP (los hay, como la senadora Rincón) y/o que defienden sus intereses, los que intentarán mantener a estas entidades a toda costa (obtienen altas utilidades sin función social alguna que defenderán con dientes y muelas), y evitar la creación del órgano público encargado de la capitalización colectiva.
A los escépticos de las capacidades públicas, cabe advertirles que ya existen los diversos fondos de reserva fiscales, incluyendo el Fondo Económico y Social y el Fondo de Reserva de Pensiones, que permiten mantener el pago de las funciones sociales y de la pensión básica en períodos de vacas fiscales flacas, cuyo manejo y rentabilidad, con apoyo en entidades especializadas, ha sido satisfactoria.
En el trámite parlamentario habrá que asegurar que la autoridad democrática, si bien no está llamada a decidir sobre inversiones particulares del «Inversor Público», sí habrá de establecer los criterios de inversión en materia de sustentabilidad y respeto de reglas sociales, así como tener derecho a establecer criterios de soberanía en casos específicos, de modo que no sean siete personas las que, por su cuenta, determinen buena parte de la inversión en el país, con reglas muy estrictas en materia de conflictos de interés y prohibición de posterior empleo en el sector privado elegible. A su vez, debieran considerarse redistribuciones desde los grupos sociales de baja esperanza de vida a los de más alta longevidad (las diferencias son enormes) en las rentas vitalicias y desde cohortes más o menos afortunadas según los rendimientos en el ciclo económico. Debe pensarse en agregar una compañía de seguros estatal, que sea una opción para administrar las rentas vitalicias y mantener una capacidad de vigilancia pública desde el sistema para evitar todo riesgo de colapso de los seguros y establecer también regulaciones muy estrictas para los seguros privados que hoy las operan, especialmente en materia de tablas de longevidad y de solvencia.
Otra opción digna de considerar es no pasar por compañías de seguros -este es un esquema que prácticamente no existe en ningún país del mundo para el pago de pensiones contributivas-, sino fijar y pagar el monto de la pensión de acuerdo a la recaudación global promedio de cotizaciones distribuida, según los derechos adquiridos por las cotizaciones a lo largo de la vida laboral y las compensaciones por hijo, por continuidad y por ingreso a las que se tenga derecho, como en el sistema sueco y el de otros países europeos.
208 comentarios en “La propuesta de reforma de pensiones ¿la tercera es la vencida?”
I was very pleased to find this web-site.I wanted to thanks for your time for this wonderful read!! I definitely enjoying every little bit of it and I have you bookmarked to check out new stuff you blog post.
Regards for all your efforts that you have put in this. very interesting information.
I envy your piece of work, thanks for all the good content.
Thanks for sharing excellent informations. Your web-site is very cool. I’m impressed by the details that you’ve on this web site. It reveals how nicely you understand this subject. Bookmarked this web page, will come back for more articles. You, my friend, ROCK! I found just the information I already searched all over the place and simply couldn’t come across. What a perfect website.
Howdy, i read your blog occasionally and i own a similar one and i was just curious if you get a lot of spam responses? If so how do you reduce it, any plugin or anything you can suggest? I get so much lately it’s driving me insane so any support is very much appreciated.
I carry on listening to the news bulletin speak about getting boundless online grant applications so I have been looking around for the finest site to get one. Could you advise me please, where could i get some?
Thanks , I’ve just been searching for information approximately this subject for a while and yours is the best I have found out so far. But, what in regards to the conclusion? Are you positive concerning the supply?
I love your blog.. very nice colors & theme. Did you design this website yourself or did you hire someone to do it for you? Plz reply as I’m looking to design my own blog and would like to find out where u got this from. thanks
you are truly a excellent webmaster. The site loading pace is amazing. It kind of feels that you’re doing any distinctive trick. Moreover, The contents are masterpiece. you’ve performed a great process on this subject!
Thanks for sharing superb informations. Your website is very cool. I am impressed by the details that you?¦ve on this blog. It reveals how nicely you perceive this subject. Bookmarked this web page, will come back for extra articles. You, my pal, ROCK! I found just the information I already searched everywhere and simply couldn’t come across. What a perfect site.
of course like your website but you have to take a look at the spelling on several of your posts. Several of them are rife with spelling problems and I in finding it very troublesome to inform the reality however I will definitely come back again.
Very great visual appeal on this internet site, I’d rate it 10 10.
I was just looking for this information for a while. After six hours of continuous Googleing, finally I got it in your website. I wonder what’s the lack of Google strategy that don’t rank this type of informative sites in top of the list. Generally the top web sites are full of garbage.
Rattling good info can be found on web blog. «Prayer is the wing wherewith the soul flies to heaven, and meditation the eye wherewith we see God.» by Ambrose of Milan.
WONDERFUL Post.thanks for share..extra wait .. …
I’ve been absent for some time, but now I remember why I used to love this web site. Thanks , I’ll try and check back more often. How frequently you update your web site?
You have brought up a very wonderful details , appreciate it for the post.
I do accept as true with all the ideas you have presented to your post. They’re really convincing and will definitely work. Nonetheless, the posts are very short for newbies. Could you please extend them a bit from subsequent time? Thanks for the post.
medicamentos disponible sin receta en farmacia
de Perú Raffo Volketswil médicaments en ligne :
nos recommandations pour une commande réussie
Nice read, I just passed this onto a friend who was doing some research on that. And he actually bought me lunch since I found it for him smile So let me rephrase that: Thank you for lunch! «Feeling passionate about something is like getting a peak at your soul smiling back at you.» by Amanda Medinger.
мен сейсенбіде жаман түс көрдім көбею деген не, жынысты
көбею деген не водянка желчного пузыря
признаки, перитонит желчного пузыря шеңбердің радиусын табу 4 сынып, шеңбердің ұзындығы деген не
Some really nice stuff on this internet site, I like it.
Deference to website author, some excellent selective information.
An interesting dialogue is worth comment. I think that you must write more on this matter, it might not be a taboo subject but generally persons are not sufficient to talk on such topics. To the next. Cheers
Nice read, I just passed this onto a colleague who was doing a little research on that. And he just bought me lunch because I found it for him smile Thus let me rephrase that: Thanks for lunch!
Super-Duper website! I am loving it!! Will come back again. I am bookmarking your feeds also.
We are a group of volunteers and starting a new scheme in our community. Your web site offered us with valuable information to work on. You’ve done a formidable job and our whole community will be grateful to you.
I am not sure where you’re getting your info, but great topic. I needs to spend some time learning more or understanding more. Thanks for magnificent info I was looking for this information for my mission.
Its excellent as your other posts : D, thankyou for putting up. «So, rather than appear foolish afterward, I renounce seeming clever now.» by William of Baskerville.
Some really choice articles on this website , saved to fav.
prix avantageux sur les médicaments Reckitt Benckiser Fontaine-l’Evêque Beste
Online-Quellen für Medikamente ohne ärztliche Verschreibung in Zürich
I will right away seize your rss as I can’t in finding your email subscription hyperlink or newsletter service. Do you have any? Kindly allow me recognise in order that I may just subscribe. Thanks.
An impressive share, I just given this onto a colleague who was doing a little analysis on this. And he in fact bought me breakfast because I found it for him.. smile. So let me reword that: Thnx for the treat! But yeah Thnkx for spending the time to discuss this, I feel strongly about it and love reading more on this topic. If possible, as you become expertise, would you mind updating your blog with more details? It is highly helpful for me. Big thumb up for this blog post!
Mejor precio para tabletas Easypharm Baden obtenir du médicaments sans ordonnance en Suisse
Nice post. I learn something more difficult on completely different blogs everyday. It should always be stimulating to learn content from other writers and observe a little something from their store. I’d desire to make use of some with the content on my weblog whether or not you don’t mind. Natually I’ll offer you a hyperlink on your internet blog. Thanks for sharing.
ооо фокса вакансии спецмонтаж мытищи
вакансии пенсионный фонд на шаврова вакансии
мастер по ремонту оргтехники вакансии москва отзыв по работе воспитателя от родителей
как делать порчу и снять ее удача знаков сегодня зодиака снится белый котенок
с блохами
гороскоп на 25 апреля свободина виктория лучшая академия магии или попала по
собственному желанию
скачать
I used to be more than happy to seek out this internet-site.I wanted to thanks to your time for this glorious learn!! I definitely having fun with every little little bit of it and I have you bookmarked to check out new stuff you weblog post.
My brother recommended I might like this website. He was totally right. This post actually made my day. You cann’t imagine simply how much time I had spent for this info! Thanks!
Loving the information on this website , you have done great job on the articles.
Hi! Do you use Twitter? I’d like to follow you if that would be okay. I’m absolutely enjoying your blog and look forward to new posts.
It?¦s really a cool and helpful piece of info. I?¦m satisfied that you just shared this useful info with us. Please stay us informed like this. Thanks for sharing.
I will immediately clutch your rss as I can’t find your email subscription link or newsletter service. Do you’ve any? Kindly let me know in order that I could subscribe. Thanks.
Loving the information on this site, you have done great job on the articles.
I do believe all of the ideas you’ve offered for your post. They’re very convincing and can certainly work. Nonetheless, the posts are too brief for novices. Could you please lengthen them a bit from next time? Thanks for the post.
I like this post, enjoyed this one regards for posting.
I don’t even know how I ended up here, but I thought this post was good. I don’t know who you are but definitely you are going to a famous blogger if you aren’t already
Cheers!
With havin so much content and articles do you ever run into any issues of plagorism or copyright violation? My blog has a lot of completely unique content I’ve either created myself or outsourced but it looks like a lot of it is popping it up all over the internet without my agreement. Do you know any techniques to help protect against content from being ripped off? I’d definitely appreciate it.
Sweet site, super design and style, very clean and utilise friendly.
A formidable share, I just given this onto a colleague who was doing slightly analysis on this. And he in fact bought me breakfast as a result of I found it for him.. smile. So let me reword that: Thnx for the deal with! However yeah Thnkx for spending the time to debate this, I really feel strongly about it and love studying extra on this topic. If doable, as you become expertise, would you thoughts updating your weblog with more particulars? It is extremely helpful for me. Large thumb up for this blog publish!
I enjoy the efforts you have put in this, thanks for all the great blog posts.
Hey there! Quick question that’s entirely off topic. Do you know how to make your site mobile friendly? My site looks weird when viewing from my apple iphone. I’m trying to find a theme or plugin that might be able to resolve this issue. If you have any recommendations, please share. Many thanks!
What are Ageless Knees? Ageless Knees is a knee pain relieving program. Chris Ohocinski, a State-Licensed and Nationally Certified Athletic Trainer, came up with this program.
Hello there, just was alert to your blog through Google, and located that it’s truly informative. I’m going to be careful for brussels. I’ll appreciate if you happen to continue this in future. A lot of other folks will be benefited from your writing. Cheers!
Hey very nice web site!! Man .. Beautiful .. Amazing .. I’ll bookmark your blog and take the feeds also…I am happy to find a lot of useful info here in the post, we need work out more techniques in this regard, thanks for sharing. . . . . .
It’s actually a great and useful piece of info. I’m glad that you shared this useful info with us. Please keep us up to date like this. Thanks for sharing.
you have a great blog here! would you like to make some invite posts on my blog?
What does the Lottery Defeater Software offer? The Lottery Defeater Software is a unique predictive tool crafted to empower individuals seeking to boost their chances of winning the lottery.
I am glad to be a visitant of this pure weblog! , thanks for this rare information! .
As a Newbie, I am always searching online for articles that can be of assistance to me. Thank you
Undeniably imagine that that you stated. Your favorite justification appeared to be on the net the easiest factor to take note of. I say to you, I definitely get irked even as other folks think about issues that they plainly do not understand about. You controlled to hit the nail upon the highest and outlined out the whole thing without having side effect , other folks could take a signal. Will probably be again to get more. Thank you
Some times its a pain in the ass to read what website owners wrote but this internet site is very user pleasant! .
Hello there, I found your website via Google while looking for a related topic, your web site came up, it looks good. I have bookmarked it in my google bookmarks.
Excellent read, I just passed this onto a colleague who was doing a little research on that. And he actually bought me lunch as I found it for him smile Thus let me rephrase that: Thanks for lunch!
I truly appreciate this post. I?¦ve been looking all over for this! Thank goodness I found it on Bing. You’ve made my day! Thank you again
An fascinating dialogue is price comment. I think that you must write extra on this topic, it won’t be a taboo subject but usually individuals are not enough to talk on such topics. To the next. Cheers
I’m really impressed with your writing talents as smartly as with the layout on your weblog. Is this a paid subject or did you customize it yourself? Either way stay up the excellent high quality writing, it’s uncommon to see a great weblog like this one today..
I have recently started a blog, the info you provide on this website has helped me greatly. Thank you for all of your time & work.
F*ckin’ remarkable things here. I am very happy to look your post. Thanks so much and i am having a look forward to contact you. Will you kindly drop me a e-mail?
This design is spectacular! You definitely know how to keep a reader amused.
Between your wit and your videos, I was almost moved to
start my own blog (well, almost…HaHa!) Excellent job.
I really enjoyed what you had to say, and more than that, how you presented it.
Too cool!
Very interesting info!Perfect just what I was looking for!
Somebody essentially help to make seriously articles I would state. This is the first time I frequented your web page and thus far? I surprised with the research you made to create this particular publish incredible. Great job!
You are a very clever person!
I’ve been browsing on-line more than 3 hours lately, yet I never found any interesting article like yours. It’s pretty value enough for me. In my view, if all webmasters and bloggers made just right content material as you probably did, the net shall be much more useful than ever before. «Oh, that way madness lies let me shun that.» by William Shakespeare.
Hey very nice web site!! Man .. Beautiful .. Superb .. I will bookmark your blog and take the feeds additionallyKI’m glad to search out a lot of useful information right here in the post, we want develop extra techniques on this regard, thanks for sharing. . . . . .
Tonic Greens is a natural health supplement created to help improve immune health.
I don’t usually comment but I gotta admit regards for the post on this great one : D.
It is the best time to make some plans for the longer term and it is time to be happy. I have read this submit and if I may I desire to recommend you some interesting things or advice. Maybe you can write subsequent articles referring to this article. I want to learn more things about it!
Glad to be one of several visitants on this amazing web site : D.
I went over this website and I believe you have a lot of great info , saved to fav (:.
This is really fascinating, You’re an excessively skilled blogger. I’ve joined your feed and look ahead to in the hunt for more of your fantastic post. Also, I’ve shared your web site in my social networks!
Tonic Greens, a natural health supplement, is designed to enhance immune function.
Wonderful article! This is the type of information that
should be shared around the web. Shame on the seek engines
for no longer positioning this post higher! Come on over and visit my website .
Thanks =)
Glad to be one of many visitants on this awe inspiring website : D.
I’ve read several just right stuff here. Certainly price bookmarking for revisiting. I wonder how much effort you set to make this type of magnificent informative website.
My developer is trying to convince me to move to .net from PHP. I have always disliked the idea because of the expenses. But he’s tryiong none the less. I’ve been using WordPress on a number of websites for about a year and am concerned about switching to another platform. I have heard good things about blogengine.net. Is there a way I can import all my wordpress posts into it? Any help would be greatly appreciated!
WONDERFUL Post.thanks for share..extra wait .. …
Well I definitely liked reading it. This tip provided by you is very constructive for correct planning.
I do not even know how I stopped up here, but I thought this post was once good. I do not understand who you are however certainly you’re going to a well-known blogger should you are not already
Cheers!
Some genuinely grand work on behalf of the owner of this website , dead great content.
It’s a pity you don’t have a donate button! I’d certainly donate to this fantastic blog!
I suppose for now i’ll settle for book-marking and adding your RSS feed to my Google
account. I look forward to brand new updates and will share this website with
my Facebook group. Talk soon!
I like this post, enjoyed this one thankyou for putting up.
My programmer is trying to convince me to move to .net from PHP. I have always disliked the idea because of the expenses. But he’s tryiong none the less. I’ve been using WordPress on several websites for about a year and am anxious about switching to another platform. I have heard fantastic things about blogengine.net. Is there a way I can transfer all my wordpress content into it? Any kind of help would be greatly appreciated!
I was very pleased to find this web-site.I wanted to thanks for your time for this wonderful read!! I definitely enjoying every little bit of it and I have you bookmarked to check out new stuff you blog post.
Great remarkable things here. I am very glad to peer your post. Thank you a lot and i am having a look ahead to contact you. Will you kindly drop me a mail?
After all, what a great site and informative posts, I will upload inbound link – bookmark this web site? Regards, Reader.
Thank you for the sensible critique. Me and my neighbor were just preparing to do some research on this. We got a grab a book from our local library but I think I learned more clear from this post. I am very glad to see such wonderful information being shared freely out there.
Hola! I’ve been reading your website for a long time now and finally got the courage to go ahead and give you a shout out from Porter Texas! Just wanted to tell you keep up the excellent job!
Hi! Would you mind if I share your blog with my zynga group? There’s a lot of folks that I think would really enjoy your content. Please let me know. Cheers
I?¦ll right away grab your rss as I can not find your e-mail subscription link or e-newsletter service. Do you have any? Please allow me understand in order that I may just subscribe. Thanks.
Hi, I think your blog might be having browser compatibility issues. When I look at your blog site in Firefox, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, very good blog!
I regard something genuinely special in this internet site.
Truly, such a invaluable websites. Bestellung von antabuse in Salzburg
I couldn’t resist commenting
you are truly a good webmaster. The website loading velocity is incredible.
It seems that you are doing any unique trick. Moreover, The contents are
masterpiece. you’ve done a fantastic activity in this subject!
I enjoy the efforts you have put in this, appreciate it for all the great blog posts.
Great beat ! I would like to apprentice while you amend your web site, how can i subscribe for a blog web site? The account helped me a acceptable deal. I had been tiny bit acquainted of this your broadcast provided bright clear concept
The next time I read a blog, I hope that it doesnt disappoint me as much as this one. I mean, I know it was my choice to read, but I actually thought youd have something interesting to say. All I hear is a bunch of whining about something that you could fix if you werent too busy looking for attention.
I am extremely impressed together with your writing skills and also with the structure for your blog. Is this a paid topic or did you modify it your self? Anyway keep up the excellent high quality writing, it’s uncommon to see a nice blog like this one these days..
I haven’t checked in here for a while since I thought it was getting boring, but the last few posts are great quality so I guess I will add you back to my daily bloglist. You deserve it my friend
As a Newbie, I am constantly exploring online for articles that can help me. Thank you
I was reading some of your articles on this website and I believe this website is very instructive! Continue putting up.
That is very attention-grabbing, You’re an overly professional blogger. I’ve joined your feed and stay up for in the hunt for extra of your great post. Additionally, I have shared your site in my social networks!
We are a bunch of volunteers and opening a new scheme in our community. Your site offered us with useful information to work on. You have performed an impressive task and our whole group shall be grateful to you.
Awsome article and straight to the point. I am not sure if this is really the best place to ask but do you people have any ideea where to hire some professional writers? Thanks in advance
Very fantastic information can be found on site. «That is true wisdom, to know how to alter one’s mind when occasion demands it.» by Terence.
Its like you read my mind! You appear to know a lot approximately this, such as you wrote the e-book in it or something. I believe that you simply can do with some to power the message home a little bit, but other than that, this is great blog. An excellent read. I’ll certainly be back.
Hello friends, its wonderful post on the topic of cultureand entirely
defined, keep it up all the time.
I really like what you guys are up too. Such clever work and exposure! Keep up the very good works guys I’ve added you guys to my blogroll.
You are my aspiration, I own few blogs and rarely run out from to brand : (.
I’m not sure exactly why but this website is loading incredibly slow for me.
Is anyone else having this problem or is it a issue on my end?
I’ll check back later on and see if the problem still exists.
My brother recommended I might like this blog.
He was entirely right. This post actually made my day.
You can not imagine just how much time I had spent for this info!
Thanks!
obviously like your web site but you have to take a look at the spelling on several of your posts. Many of them are rife with spelling issues and I in finding it very troublesome to tell the reality nevertheless I’ll surely come again again.
Thanks a bunch for sharing this with all of us you actually know what you’re talking about! Bookmarked. Please also visit my web site =). We could have a link exchange contract between us!
hi!,I love your writing so so much! percentage we be in contact more about your post on AOL? I require an expert on this house to solve my problem. Maybe that is you! Having a look ahead to peer you.
I am curious to find out what blog platform you’re using?
I’m having some small security issues with my latest website and
I would like to find something more risk-free. Do you
have any solutions?
I was recommended this website by my cousin. I am not sure whether this post is written by him as
nobody else know such detailed about my difficulty.
You are incredible! Thanks!
Good day! I just would like to give an enormous thumbs up for the good data you’ve got here on this post. I will be coming back to your weblog for more soon.
You are a very smart individual!
Do you mind if I quote a couple of your posts as long as I provide credit and sources back to your weblog? My blog is in the very same niche as yours and my users would really benefit from a lot of the information you present here. Please let me know if this okay with you. Cheers!
Hi, after reading this remarkable piece of writing i am also delighted to share my
knowledge here with friends.
I do not even know the way I stopped up right here,
but I thought this submit used to be great.
I do not recognize who you might be however certainly you’re going to a
well-known blogger for those who aren’t already. Cheers!
I believe other website proprietors should take this site as an example , very clean and excellent user pleasant design and style.
Fine way of telling, and good post to take data regarding my presentation focus,
which i am going to present in school.
You can certainly see your skills in the article you write.
The world hopes for more passionate writers like you who
are not afraid to mention how they believe. At all times go
after your heart.
I have been surfing online more than 2 hours today, yet I never found any interesting
article like yours. It is pretty worth enough for
me. In my opinion, if all website owners and bloggers
made good content as you did, the net will be much more
useful than ever before.
Great post. I used to be checking continuously this blog and I’m inspired!
Extremely helpful information particularly the final section
I handle
such information much. I was looking for this certain information for a very lengthy time.
Thank you and best of luck.
Great blog right here! Also your website loads up fast!
What web host are you the use of? Can I am getting your associate hyperlink in your host?
I wish my website loaded up as fast as yours lol
Does your site have a contact page? I’m having problems
locating it but, I’d like to send you an email. I’ve got some suggestions for your blog you
might be interested in hearing. Either way, great blog and I look forward to seeing it grow over time.
Good day! Do you know if they make any plugins to help with Search Engine Optimization? I’m trying to get
my blog to rank for some targeted keywords but I’m not seeing
very good results. If you know of any please share.
Cheers!
Hey! I realize this is sort of off-topic however I had to ask.
Does operating a well-established website such as yours take a massive amount work?
I am completely new to writing a blog however I do write in my journal
everyday. I’d like to start a blog so I can easily
share my own experience and thoughts online. Please let me know
if you have any kind of ideas or tips for new
aspiring bloggers. Thankyou!
Heya just wanted to give you a brief heads up
and let you know a few of the images aren’t loading properly.
I’m not sure why but I think its a linking issue. I’ve tried it in two different internet browsers and both
show the same outcome.
I need to to thank you for this wonderful read!! I definitely loved every little bit
of it. I have got you bookmarked to check out new things you post…
Hmm is anyone else encountering problems with the images on this
blog loading? I’m trying to find out if its
a problem on my end or if it’s the blog. Any responses
would be greatly appreciated.
Fantastic website you have here but I was curious about if you knew of any forums that cover
the same topics talked about in this article? I’d really like to be a
part of community where I can get feedback
from other knowledgeable people that share the same interest.
If you have any recommendations, please let me know.
Thank you!
Nice respond in return of this query with solid arguments and explaining the whole thing concerning that.
I am actually grateful to the holder of this website who
has shared this wonderful article at at this place.
Thank you a bunch for sharing this with all folks you really recognise
what you are speaking approximately! Bookmarked.
Kindly additionally discuss with my site =). We can have a hyperlink alternate
arrangement between us
This website certainly has all the information I needed concerning this
subject and didn’t know who to ask.
I absolutely love your site.. Pleasant colors & theme.
Did you create this web site yourself? Please reply back as I’m attempting to create my own site and
would like to know where you got this from or just what the theme is named.
Thank you!
Ahaa, its nice discussion regarding this paragraph here
at this blog, I have read all that, so now me also commenting here.
Hi, There’s no doubt that your web site may be having web browser compatibility issues.
Whenever I look at your website in Safari, it looks fine however when opening in I.E., it’s got some overlapping issues.
I merely wanted to give you a quick heads up! Besides that, great site!
I have fun with, lead to I found just what I was looking for. You have ended my four day long hunt! God Bless you man. Have a nice day. Bye
Hi there everyone, it’s my first pay a visit at this website, and
paragraph is genuinely fruitful in favor of me, keep up posting these articles or reviews.
If some one desires expert view about blogging and site-building afterward i propose him/her
to pay a quick visit this web site, Keep up the good work.
Good day! I could have sworn I’ve been to this website before but after going through a few of the articles I realized it’s
new to me. Anyhow, I’m certainly happy I discovered it and I’ll be bookmarking
it and checking back regularly!
Thanks for ones marvelous posting! I actually enjoyed reading it, you can be a great author.I will always
bookmark your blog and will eventually come back
in the foreseeable future. I want to encourage you
to continue your great writing, have a nice
weekend!
That is really fascinating, You are a very skilled blogger.
I’ve joined your rss feed and stay up for in the hunt for extra of
your magnificent post. Additionally, I have shared your website in my social networks
Hiya very cool site!! Guy .. Beautiful .. Amazing .. I will bookmark your website
and take the feeds also? I’m satisfied to find numerous useful info here in the put up, we
need work out extra techniques in this regard, thanks for
sharing. . . . . .
An intriguing discussion is worth comment. I think that you need to publish more on this subject, it
may not be a taboo matter but usually people don’t
discuss these topics. To the next! Best wishes!!
Does your blog have a contact page? I’m having trouble locating it but, I’d like to shoot you an e-mail. I’ve got some ideas for your blog you might be interested in hearing. Either way, great site and I look forward to seeing it grow over time.
Get anytime, anyplace access too this technical reference wwith a serch function, drop-down list of bulletin cqtegories and device-optimized viewing.
Feel free to visit my page; VG보글파워볼
Get in onn the thrill with fascinating perks, added benefits and the ultimate VIP treatment when you sign up.
Also visit my webpage; site
This is a topic which is near to my heart…
Best wishes! Exactly where are your contact details though?
Golden Nugget’s welcome bonus contains a dollar-for-dollar
match of up to $1,000.
My blog post; homepage
The framework also aids make desktop apps for Linux, macOS, aand Windows devices.
My web blog – 동행스피드키노
Players picck 5 numbers from 1-69 (the white balls), then 1 extra number from
1-26 (the red Powerball).
Alsso visit my web-site – site
When your phne is unlocked, it can bee employed to make purchases in stores.
Feel free to vijsit my webpage – 파워볼사이트
“Responsible gaming is embedded into our DNA at
Caesars,” Mr. Holdren said.
My site – 토토사이트
This took a lot of the monetary stress off and permitted her to
ttake the tijme to consider about what she wanted to do with her life.
Also visit my blog; web page
Figure 1 shows the Black unemployment rate tracking uncomfortably closer to thee underemployment price tha the headline unemployment rate.
Review my blog – 여성 알바
Like private loans, with a house equity loan, you’ll be given the income iin a lump sum.
Feel free to surf too mmy blog: 전당포대출
The loan terms will aspect in any lloan rates or
charges, permitting your monthly payments to be predictable and consistent.
Here is my blog post: 대출뱅크
Was in 2004 when errant bill draftin inadvertently reinstated Virginia’s Victorian-era
blue laws requiring enterprises to close on Sundays.
Stop by my website – site
Emergency crews discovered thee wreckage of the plane in an open farm field about 1.2 miles
northwest of Watkinsville.
Also visit my site … 단란주점 알바
Horse racing is an additional classic sport that gamblers have enjoyed for centuries.
Feel free to surf to my web-site :: more info
Yes, you can get paid to purchase and deliver other people’s groceries – and make a sweet $25
per hour.
Check out my blog post; 단란주점 알바
It could have been a lifeline foor Black wommen and their households in the course of the
pandemic.
my blog; 여성알바
We bding the leners to you so you can shop and examine individual loan offers inn
minutes.
Also visit my web blog; 무직자대출
Buyers do not have to be concerned about that when it comes to Everygame.
Stop by my web blog toto.blue
Nonetheless, stuxies show thhat mothers still ake on the brunt of youngster care.
my page: 이지알바
Depending oon the quantity of money you borrow,
your loan interest caan be between 5.31% and 35.99%.
Feel free tto visit my web page 소액대출
A minimum deposit of $20 made by way of cryptocurrency is essential to qualify.
my page: manms.blogprodesign.com
The betting home comes with aan Easwtern European backkground annd operates on a Curacao license.
Feel free to visit my website :: get more info
The NHL Stanley Cup playoffs are among the most intense playoffs in sports,
and so betting on the games is thrilling.
Feel free tto surf to my homepage 토토사이트검증
John Cena and Roman Reigns had only had a single singles match against
every single other up to this point, where Reigns was victoious at No Mercy 2017.
Stop bby myy blog … 업소 알바
They made be concerned about the security and security of their funds hen gambling online, and if they will be
paid if they are fortunate to win.
My homepage here
And above all, a lot of of these brtands come under
a respected license collectively with safeguarding
mechanisms.
My web-site … get more info
Amazing issues here. I am very happy to see your post.
Thank you so much and I am looking forward to contact you.
Will you kindly drop me a e-mail?
Hello There. I found your blog using msn. This is a really well written article.
I will be sure to bookmark it and come back to read more of your useful info.
Thanks for the post. I’ll definitely comeback.
Why visitors still make use of to read news papers when in this technological globe everything
is accessible on web?
I am sure this post has touched all the internet viewers,
its really really nice piece of writing on building up new weblog.
We’re a group of volunteers and opening a new scheme in our community.
Your web site provided us with valuable info to work
on. You’ve done an impressive job and our entire
community will be grateful to you.
Fantastic blog! Do you have any tips for aspiring writers?
I’m hoping to start my own blog soon but I’m a
little lost on everything. Would you propose starting with a free
platform like WordPress or go for a paid option? There are so many options out there that I’m completely overwhelmed ..
Any recommendations? Kudos!
F*ckin’ remarkable things here. I’m very glad to see your article. Thanks a lot and i am looking forward to contact you. Will you please drop me a e-mail?
Howdy would you mind stating which blog platform you’re using? I’m going to start my own blog soon but I’m having a difficult time deciding between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your design seems different then most blogs and I’m looking for something unique. P.S Sorry for getting off-topic but I had to ask!
I must convey my affection for your kind-heartedness in support of all those that must have help with this particular area of interest. Your personal commitment to passing the solution throughout turned out to be definitely advantageous and has truly made guys just like me to attain their ambitions. Your own warm and friendly help signifies much to me and substantially more to my peers. Best wishes; from all of us.
I was very pleased to find this web-site.I wanted to thanks for your time for this wonderful read!! I definitely enjoying every little bit of it and I have you bookmarked to check out new stuff you blog post.
Wonderful web site. Plenty of helpful information here. I¦m sending it to several pals ans additionally sharing in delicious. And obviously, thanks in your sweat!
F*ckin¦ tremendous issues here. I am very glad to see your post. Thank you so much and i’m looking ahead to contact you. Will you please drop me a mail?
I used to be more than happy to find this web-site.I needed to thanks on your time for this glorious learn!! I positively having fun with every little little bit of it and I have you bookmarked to take a look at new stuff you blog post.
I like this site very much, Its a very nice billet to read and incur info . «Philosophy is a battle against the bewitchment of our intelligence by means of language.» by Ludwig Wittgenstein.
Good write-up, I am regular visitor of one’s web site, maintain up the excellent operate, and It’s going to be a regular visitor for a lengthy time.
What i do not understood is if truth be told how you’re not really a lot more smartly-favored than you might be right now. You are so intelligent. You realize thus considerably in the case of this matter, made me for my part believe it from numerous various angles. Its like men and women aren’t fascinated except it is something to accomplish with Lady gaga! Your own stuffs great. All the time handle it up!
An interesting discussion is worth comment. I think that you should write more on this topic, it might not be a taboo subject but generally people are not enough to speak on such topics. To the next. Cheers
This is a topic close to my heart cheers, where are your contact details though?
Los comentarios están cerrados.