lördag 24 januari 2009

Acta sig för norrmän?

Enligt mediauppgifter så verkar finansinspektionen närmast översvämmad av klagomål om den norska finansiella rådgivaren Acta. Acta är ju en aktör som varit väldigt aggressiv de senaste åren och man har marknadsfört sig som en rådgivare som faktiskt jobbar för dig som kund till skillnad mot ”alla andra” som mest ser till sitt eget bästa.
Främst så har Acta sålt olika form av ”förpackade” investeringar i många lite mer för privatpersoner ovanliga investeringar. Det har varit aktieindexobligationer, kreditobligationspaket, andelar i onoterade fastighetsbolag, andelar i private equity fonder, infrastrukturinvesteringar mm. I vissa fall har man förpackat ihop egna produkter ,i vissa fall som motpartsobligationer, i vissa fall har man startat aktiebolag för olika investeringar och sålt onoterade aktier till allmänheten och i andra fall så har man helt enkelt sålt andra bankers produkter. Flest klagomål till finansinspektionen har kommit främst på andra banker som ex. Lehman Brothers produkter vilket kanske inte är så konstigt.

Att diversifiera sina tillgångar är i grunden något bra. Att lägga alla ägg i samma korg kan som sagt kanske inte vara det bästa. Välskötta fastigheter, infrastruktur och skog kan mycket väl vara goda investeringar om dom köps till rätt pris vill säga. Vad däremot Acta många gånger har gjort felaktigt mot kunderna är att man brustit i sin rådgivning. Man har t.ex. inte informerat om riskerna med belånade aktieindexobligationer.

En AIO fungerar i normalfaller ju på så sätt att man köper en AIO för X kronor och sedan har man en garanti att få tillbaka X kronor om några år plus en ev. avkastning till något obskyrt knepigt aktieindex eller guldpris eller vad det nu var frågan om. Men pengarna som man satsar har man alltid en garanti från banken att få tillbaka. Man kan också lägga i en belåning i produkten dvs att man inte behöver satsa X kr utan X-Y kr där Y är lånets storlek. Detta ger då kunden en hävstång där det garanterade beloppet kanske är något mindre än det satsade kapitalet men i gengäld så kan man då få en betydligt bättre avkastning samtidigt som garanti alltid är större än lånets storlek och man därigenom kan uppleva ta låg finansiella risk med bra avkastningspotential. Många av lånen konstruerades också på så sätt att investeraren slapp likvidförda räntan utan denna skuldbokfördes bara och löste ut i en klumpsumma när AIO löser ut.

Satsar man ex. 500 000kr i en AIO med eget kapital och aktuellt index stiger med 40% på 5 år Så tjänar man just 40%. Satsar man istället 200 000kr i eget kapital i denna AIO och tar ett ”AIO lån” på 300 000kr så blir avkastningen på eget kapital 72% om vi räknar med en 5% låneränta.

Vad Acta glömde informera kunderna om var att man tog inte bara marknadsrisk och kreditrisk utan även en motpartsrisk till banken i detta fall ex. Lehman Brothers. När Lehman gick omkull så blev AIO värdelös medan banken skickade en faktura till kunden att betala in 300 00kr. Det satsade beloppet hade såldes vänts till en skuld och förlusten blev 500 000kr på satsade 200 000kr.

Personligen anser jag att många typer av dessa produkter som exempelvis Acta sålt i mångt och mycket är menigslösa. AIO och andra strukturerade obligationer är något som inte behövs!
Vill du köpa alternativa investeringar så köpa den ”äkta varan”. Vill du äga fastigheter så starta bolag och köp fastigheter!, vill du äga skog så köp skog! Vill du inte satsa själv så satsa dina pengar i ett bolag i vissa fall kanske en fond som köper de tillgångar du är ute efter och någon som du litar på men sätt dig in i en situation där dina tillgångar egentligen inte finns om din bank skulle gå i konken.

92 kommentarer:

  1. Problemet ligger i att man skapat egna indexobligationer som man byggt på ett sådant sätt att det i princip varit omöjligt för dem att ge ngn avkastning. Det har varit känt från början av dem som vet hur man analyserar dessa produkter.

    http://www.dn.no/privatokonomi/article1588106.ece

    http://www.dn.no/privatokonomi/article1588096.ece

    http://www.aftenbladet.no/lokalt/975925/Kunder_kan_kreve_millioner_ogsaa_fra_lokale_banker.html

    http://www.na24.no/article2510590.ece



    I Norge har man uppmärksammat detta och något som heter Bankklagenemnda har givit en kund rätt att kräva tillbaka sina pengar om inte banken i detta fall ( dnbnor) kan bevisa att det fanns rimlighet i att kunden med omkostnader, ränta skulle kunna tjäna pengar på produkten.

    Acta har enbart sålt denna typ av produkter som från början varit varit dödsdömda.

    SvaraRadera
  2. Nu är det ju inte alltid ngt obskyrt index som används utan även OMXS30 eller Eurostoxx. Man räknar heller inte 40% uppgång ger 40% uppgång utan det är olika från AIO till AIO och beror på hur mycket risken kostar på likviddagen. Min åsikt är att informationen är dålig och det är där man ska lägga krutet från FI. Många AIO är "onödiga" som man till viss del kan efterlikna själv, sällan helt. Det finns dock AIOs där optionsdelen är utformad som en viss strategi. Johan Tjeder har en rätt trevlig blogg för den intresserade http://atlantprotect.se/

    SvaraRadera
  3. Själv har jag fått en post av Actas fastigheter av min kära mormor. Jag har ingen uppfattning om hur bra investeringen är, bara att alla avgifter är skyhöga och att de tar 5% i avgift bara för att få sälja skiten. Har ingen aning om hur jag ska behandla dessa aktier och blir bara arg av att läsa om eländet. Av denna anledning har jag bara låtit dem vara. om någon har något tipps tar jag gärna emot det.

    SvaraRadera
  4. det är just sånt här man är livrädd för som nybörjare på det här med aktier och sparande! Tack för tipset! Nu vet man!

    SvaraRadera
  5. Avgifterna för ACTAS fastigheter

    Om prisen på en eiendom tilsvarer 100 kroner, vil 30 av disse kronene være egenkapital fra investor.

    Acta tar da følgende gebyrer:

    Seks prosent av 100 kroner = 6 kroner

    To prosent av 30 kroner = 0,6 kroner

    Årlige 0,35 prosent av 100 kroner = 0,35 kroner

    Sum = 6,60 + 0,35 kroner per år

    For en egenkapitalinvestering på 30 kroner er etableringshonorarene dermed 22 prosent.

    I tillegg tar Acta tre prosent av markedsverdi om du vil selge deg ut av investeringen.

    SvaraRadera
  6. I don't want to fork over an extra $30/Month for unlimited data when the phone has Wifi. Can I buy a unlocked iPhone off ebay and switch in my SIM card?
    [url=http://forexrobot-review.info]best forex software[/url] [url=http://www.giangvu.com/forums/member.php?u=24306]unlock iphone[/url]

    SvaraRadera
  7. Hey I'd love to congratulate you for such a great quality site!
    thought this is a perfect way to make my first post!

    Sincerely,
    Monte Phil
    if you're ever bored check out my site!
    [url=http://www.partyopedia.com/articles/halloween-party-supplies.html]halloween Party Supplies[/url].

    SvaraRadera
  8. [url=http://www.kfarbair.com][img]http://www.kfarbair.com/_images/_photos/photo_big8.jpg[/img][/url]

    מלון [url=http://www.kfarbair.com]כפר בעיר[/url] - [url=http://www.kfarbair.com/about.html]חדרים[/url] גדולים אנחנו מספקים שירותי אירוח מגוונים כמו כן ישנו במקום שירות חדרים המכיל [url=http://www.kfarbair.com/eng/index.html]אחרוחות רומנטיות[/url] במחירים מיוחדים אשר מוגשות ישירות לחדרכם.

    לפרטים נוספים אנא גשו לעמוד המלון - [url=http://kfarbair.com]כפר בעיר[/url] [url=http://www.kfarbair.com/contact.html][img]http://www.kfarbair.com/_images/apixel.gif[/img][/url]

    SvaraRadera
  9. Predilection casinos? seal of approval on this advanced [url=http://www.realcazinoz.com]casino[/url] advisor and wing it discredit online casino games like slots, blackjack, roulette, baccarat and more at www.realcazinoz.com .
    you can also into our new [url=http://freecasinogames2010.webs.com]casino[/url] advert at http://freecasinogames2010.webs.com and gain authentic proficiently misled !
    another in vogue [url=http://www.ttittancasino.com]casino spiele[/url] scenario is www.ttittancasino.com , because german gamblers, blurt out in manumitted online casino bonus.

    SvaraRadera
  10. singles in newburyport [url=http://loveepicentre.com/]ads dating exotic personal service[/url] is dating bad http://loveepicentre.com/ young professionals dating

    SvaraRadera
  11. Hi,

    My name is Eva.

    I'm excited to be part of this large and growing forum of great people and thankyou all for making me feel welcome. I just joined today.

    My special interests or skills are:
    - HTML
    - SEO
    - Web design
    - Internet business

    I am happy to help others that need it and offer advice where possible :)

    SvaraRadera
  12. http://dietandlose.com/forum/viewtopic.php?p=80165#80165 http://www.minergynews.com/forum/viewtopic.php?f=2&t=200579 http://forum.eficoach.com/viewtopic.php?f=5&t=90150 http://whinny.kiy.jp/kaeru/apeboard_plus.cgi?command=read_message&msgnum=30
    http://www.ganamo.com/board/board.cgi?bname=ganamo&action=view&page=1&unum=15857&noInc=1 http://www.hanshinmed.co.kr/technote/main.cgi?board=hs_notice&command=guest_email&textnum=1199925564 http://www.jkandjranches.com/forum/viewtopic.php?p=302320#302320 http://www.tcbodyboards.com/forum/viewtopic.php?p=51155#51155
    http://fishroad.co.kr/technote/main.cgi?board=road1&command=guest_email&textnum=982424681 http://www.hanshinmed.co.kr/technote/main.cgi?board=hs_notice&command=guest_email&textnum=1199925564 http://toshifamily.com/ToshiSMforum/index.php?topic=219086.new#new

    SvaraRadera
  13. http://healthboard.in/diclofenac/diclofenac-adverse-effects
    [url=http://healthboard.in/clopidogrel/clopidogrel-herb-interactions]chinese medicine vulvodynia[/url] compound pharmacy vermont [url=http://healthboard.in/diamox/prescribing-diamox-for-altitude-sickness]prescribing diamox for altitude sickness[/url]
    lvn pharmacy ceu http://healthboard.in/depressive/depressive-mood-symptoms
    [url=http://healthboard.in/coreg/coreg-beta-blocker]september 2007 drug arrests ryan canfield[/url] drug binge [url=http://healthboard.in/clomipramine/clomipramine-capsules]clomipramine capsules[/url]
    how to make black ice drug http://healthboard.in/cozaar/cozaar-norvasc
    [url=http://healthboard.in/budesonide/budesonide-uses-and-side-effects]love drug paper scars lyrics[/url] florida board of pharmacy new laws [url=http://healthboard.in/clonidine/clonidine-gluconaet]clonidine gluconaet[/url] horse drugs [url=http://healthboard.in/carbidopa/migraine-headaches-cafergot]migraine headaches cafergot[/url]

    SvaraRadera
  14. http://alwayshealth.in/medical-co/bell-medical-supplies
    [url=http://alwayshealth.in/infection/stint-eye-infection]scholarly articles on psychiatric drugs[/url] otc drug identifier [url=http://alwayshealth.in/orlistat/orlistat-wholesale]orlistat wholesale[/url]
    case studies socialized medicine http://alwayshealth.in/infection/isoniazid-yeast-infection
    [url=http://alwayshealth.in/penis-growth/penis-record]erectile disfunction surgical solutions[/url] illinois medicaid pharmacy [url=http://alwayshealth.in/pills/free-caffeine-free-weight-loss-pills]free caffeine free weight loss pills[/url]
    life extension pharmacy http://alwayshealth.in/pain-relief/pain-relief-tens
    [url=http://alwayshealth.in/article-syndrome]mark drug used scooters[/url] drugstore wholesale distributors [url=http://alwayshealth.in/heart-disease/jenifer-heart]jenifer heart[/url] generic viagra in uk [url=http://alwayshealth.in/omeprazole/omeprazole-equine-uk]omeprazole equine uk[/url]

    SvaraRadera
  15. mercedes boat http://automotoportal.in/ktm/ktm-motorcycle-manuals alpine automobile
    [url=http://automotoportal.in/radiator/king-radiator-coils]volkswagen 8v turbo kit[/url] dodge truck clutch [url=http://automotoportal.in/motor-com/outrunner-motor-wiring-diagram]outrunner motor wiring diagram[/url]
    volkswagen gti road test http://automotoportal.in/porsche/blaupunkt-1994-porsche-speedster
    [url=http://automotoportal.in/oldsmobile/aurora-oldsmobile-dash]ama racing on tv[/url] racing bumper stickers [url=http://automotoportal.in/oldsmobile/airport-chevrolet-oldsmobile]airport chevrolet oldsmobile[/url]
    automobile light bulb gl 17920 http://automotoportal.in/racing/rc-nitro-racing-engine
    [url=http://automotoportal.in/motorcycle-show/custom-motorcycle-helmets]repairing dodge code p0032[/url] mercedes model dianna lynn [url=http://automotoportal.in/martin/martin-saleen-mustang-fraud-aston]martin saleen mustang fraud aston[/url]

    SvaraRadera
  16. rabbit cart vw volkswagen http://eautoportal.in/bugatti/wrecked-bugatti-veyron honda automobile recalls
    [url=http://eautoportal.in/honda-car/honda-recon-2000-manuel-download]removing salt stains from auto carpet[/url] mercedes 84 230 e [url=http://eautoportal.in/automobile/automobile-coolant-problems]automobile coolant problems[/url]
    sts auto court http://eautoportal.in/buell/buell-lightning-x1-service-manual-2000
    [url=http://eautoportal.in/hyundai/comsumer-guide-on-the-2003-hyundai-tiburon-coupe-2d]sell automobile wheels[/url] quote for mercedes benz [url=http://eautoportal.in/ford-com/ford-stereo-wiring-diagram]ford stereo wiring diagram[/url]
    mercedes benz 309d http://eautoportal.in/jaguar/jaguar-in-car-telephone
    [url=http://eautoportal.in/ford-ca/fuel-economy-ford-diesel]mercedes benz in sioux falls sd[/url] senorita mikita mercedes [url=http://eautoportal.in/auto-co/stengel-auto]stengel auto[/url]

    SvaraRadera
  17. matching boy and girl clothes http://topcitystyle.com/frankie-morello-shoes-brand19.html healies shoes [url=http://topcitystyle.com/sanrio-women-brand102.html]old fashioned names[/url] tnt television chanel
    http://topcitystyle.com/richmond-jeans-capri-for-men-blue-item1978.html durban fashion week [url=http://topcitystyle.com/-polo-shirts-dolce-amp-gabbana-category2.html]he revolutionized the shoe industry by inventing a machine which firmly attached shoes to soles[/url]

    SvaraRadera
  18. maps street updated planning atlas mobile gps usa travel http://www.orderphonetoday.com/i9-k6-tv-quad-band-dual-card-with-java--item33.html windows mobile avi player [url=http://www.orderphonetoday.com/w002-quad-band-dual-card-with-wifi-analog-tv--item13.html]free mobile ringtone screensaver wallpaper[/url] moose mobile lorrin walsh

    SvaraRadera
  19. french fashion http://luxefashion.us/tracksuits-page2.html website designers [url=http://luxefashion.us/black-light-grey-pullover-color235.html]lacoste shoes[/url] shoes clearance
    http://luxefashion.us/navy-blue-jeans-color21.html childrens high heelde shoes [url=http://luxefashion.us/xl-sport-size6.html]vietnamese fashion models[/url]

    SvaraRadera
  20. black nike basketball shoes http://www.thefashionhouse.us/la-martina-shirts-brand27.html laval laurentides [url=http://www.thefashionhouse.us/yellow-pants-color44.html]kara saun cheated shoes project runway[/url] sudini shoes
    http://www.thefashionhouse.us/?action=products&product_id=2255 natural comfort shoes [url=http://www.thefashionhouse.us/cappalo-men-brand79.html]dogpile clothes[/url]

    SvaraRadera
  21. father laurence gresser http://luxefashion.us/?action=products&product_id=2571 the clothes rack for kids [url=http://luxefashion.us/?action=products&product_id=1415]brigitte fashion[/url] buzz off clothes
    http://luxefashion.us/?action=products&product_id=925 organic shoes [url=http://luxefashion.us/energi-t-shirt-for-men-white-item2264.html]mango clothes store sydney australia[/url]

    SvaraRadera
  22. drug induced movement disorder videos [url=http://usadrugstoretoday.com/products/speman.htm]speman[/url] daddy erection linda penis towel began climax shower vagina back http://usadrugstoretoday.com/categories/anti-diabetico.htm
    medicine jewerly [url=http://usadrugstoretoday.com/products/aricept.htm]aricept[/url] heart rate monitor circuits [url=http://usadrugstoretoday.com/products/tulasi.htm ]m30 purple pill [/url] otters diet
    carbohydrate addict success [url=http://usadrugstoretoday.com/categories/antivirali.htm]antivirali[/url] drug discovery meeting http://usadrugstoretoday.com/products/epivir.htm
    medical images cervix [url=http://usadrugstoretoday.com/products/female-viagra.htm]female viagra[/url] maternal and child health nursing by adelle pilliteri [url=http://usadrugstoretoday.com/products/effexor-xr.htm ]dvds describning public health services [/url] see the heath ledger drug tape

    SvaraRadera
  23. nude milan fashion week http://www.thefashionhouse.us/50-sweaters-size2.html designer japanese toys [url=http://www.thefashionhouse.us/napapijri-women-brand62.html]manolo blahnik shoes[/url] fashion houston photographer
    http://www.thefashionhouse.us/s-women-size10.html baseball truff shoes [url=http://www.thefashionhouse.us/khaki-dress-shirts-color28.html]globe skate shoes[/url]

    SvaraRadera
  24. famous fashion diginers http://luxefashion.us/-regular-men-category86.html madeline shoes [url=http://luxefashion.us/men-type1.html]crow indians clothes[/url] laurence harbor
    http://luxefashion.us/?action=products&product_id=2484 kickers shoes [url=http://luxefashion.us/blue-polo-shirts-color32.html]ralph lauren hope chest[/url]

    SvaraRadera
  25. hand beeded designer wallcoverings http://luxefashion.us/48-armani-size1.html zurich chanel [url=http://luxefashion.us/sky-blue-accessories-color96.html]how to remove human urine smell in clothes[/url] chanel trademark infringement lawsuits by chanel
    http://luxefashion.us/of-white-sport-color154.html loius vuitton shoes [url=http://luxefashion.us/jeans-page8.html]schools fashion in south africa[/url]

    SvaraRadera
  26. shoes made in america http://topcitystyle.com/yellow-black-funky-color159.html lauren face disk [url=http://topcitystyle.com/dolce-amp-gabbana-pullover-for-men-dark-grey-item2541.html]clothes dryer[/url] fashion pet tags
    http://topcitystyle.com/grey-versace-color1.html tale off all your clothes [url=http://topcitystyle.com/black-white-gucci-color23.html]man fashion style asia[/url]

    SvaraRadera
  27. baccarat candlesticks http://wqm.in/casino-online_santa-ana-start-casino power ball lottery august 22
    [url=http://wqm.in/gambling-online_blackjack-online-gambling-computer-gambling]chuckchansi casino ca[/url] dunes casino [url=http://wqm.in/poker-online_tri-card-poker-secrets-revealed]tri card poker secrets revealed[/url]
    what can rip casino http://wqm.in/slots_pawkeet-slots
    [url=http://wqm.in/baccarat_baccarat-glass]keno software[/url] lottery losses on taxes [url=http://wqm.in/blackjack_blackjack-betting-variation]blackjack betting variation[/url]
    west virgina lottery powerball numbers http://wqm.in/betting_free-online-casino-betting usa online bingo [url=http://wqm.in/betting_on-line-race-track-betting]on line race track betting[/url]

    SvaraRadera
  28. sounder movie advertising [url=http://moviestrawberry.com/films/film_middletown/]middletown[/url] the death of princess diana lifetime movie http://moviestrawberry.com/hqmoviesbygenres/download-genre_short-movies/?page=8 malayalam movie
    home made porn movie free [url=http://moviestrawberry.com/films/film_hide/]hide[/url] broken trail movie trailer http://moviestrawberry.com/films/film_who_s_your_caddy/ dragoball z live action movie
    celebrity movie achive [url=http://moviestrawberry.com/films/film_the_eye/]the eye[/url] aqua teen hunger force movie
    big boob movie clips [url=http://moviestrawberry.com/films/film_the_magician_of_lublin/]the magician of lublin[/url] free dvd movie maker downloads http://moviestrawberry.com/films/film_satan_s_little_helper/ michael clayton movie 60101
    analysis of blade runner movie [url=http://moviestrawberry.com/films/film_room_to_rent/]room to rent[/url] what is dallax movie http://moviestrawberry.com/films/film_beachhead/ themes explored in the movie blowup

    SvaraRadera
  29. fred claus movie [url=http://moviestrawberry.com/films/film_the_lonely_guy/]the lonely guy[/url] movie company of super size me http://moviestrawberry.com/films/film_the_nine_lives_of_fritz_the_cat/ movie about natty
    cinemark movie times sierra vista az [url=http://moviestrawberry.com/films/film_a_boy_named_charlie_brown/]a boy named charlie brown[/url] movie stay http://moviestrawberry.com/films/film_pablo_francisco_ouch_live_from_san_jose/ yaar mangiyasi from movie kaante
    windows movie maker effects [url=http://moviestrawberry.com/films/film_big_bad_love/]big bad love[/url] cinemark tinseltown movie times
    movie maniacs collectable houses [url=http://moviestrawberry.com/films/film__00/] 00[/url] lynchburg movie theatre http://moviestrawberry.com/films/film_beach_picnic/ an affair movie
    sabastiane movie stills [url=http://moviestrawberry.com/films/film_the_girlfriend_experience/]the girlfriend experience[/url] patton movie speach http://moviestrawberry.com/films/film_the_wild_angels/ r rated movie

    SvaraRadera
  30. movie the story of o [url=http://moviestrawberry.com/films/film_my_father_the_hero/]my father the hero[/url] download windows movie maker version 1 http://moviestrawberry.com/films/film_view_from_the_top/ fallensword movie
    movie clapper picture frame [url=http://moviestrawberry.com/films/film_city_by_the_sea/]city by the sea[/url] movie the hours http://moviestrawberry.com/easy-downloads/letter_R/?page=3 movie death by magic
    x files movie 2 [url=http://moviestrawberry.com/films/film_bone_bandit/]bone bandit[/url] average age of student watching pornographic movie
    who was the insperation for the movie fly away home [url=http://moviestrawberry.com/films/film_made_men/]made men[/url] movie theater dayton ohio http://moviestrawberry.com/hqmoviesbygenres/download-genre_drama-movies/?page=33 cast of hairspray the movie
    movie toots [url=http://moviestrawberry.com/films/film_aliens_of_the_deep/]aliens of the deep[/url] movie boys dont cry on video http://moviestrawberry.com/films/film_vicky_cristina_barcelona/ session psychiatric hospital movie

    SvaraRadera
  31. sleeping with the enemy movie [url=http://moviestrawberry.com/films/film_the_brave_one/]the brave one[/url] zeitgeist movie olbermann http://moviestrawberry.com/hqmoviesbygenres/download-genre_family-movies/?page=16 free simpson movie and game downloads
    burn dvd movie [url=http://moviestrawberry.com/films/film_una_pistola_per_ringo/]una pistola per ringo[/url] dick movie http://moviestrawberry.com/films/film_madea_s_family_reunion/ kamasutra movie online
    central station movie brazil [url=http://moviestrawberry.com/films/film_top_gear/]top gear[/url] el paso movie theaters
    movie theater sex [url=http://moviestrawberry.com/films/film_please_don_t_eat_my_mother/]please don t eat my mother[/url] movie about sherman act http://moviestrawberry.com/films/film_girl_happy/ dobbs ferry movie rental
    sandwich movie theaters in massachusetts [url=http://moviestrawberry.com/films/film_quantum_of_solace/]quantum of solace[/url] big cock movie clips http://moviestrawberry.com/films/film_airwolf/ wall street movie soundtrack

    SvaraRadera
  32. nina hartley sample movie [url=http://moviestrawberry.com/films/film_bad_company/]bad company[/url] that so raven movie musical http://moviestrawberry.com/films/film_ice_road_truckers/ horror movie image in the grudge
    bootleg movie downloads [url=http://moviestrawberry.com/films/film_laurel_canyon/]laurel canyon[/url] hot milf movie http://moviestrawberry.com/films/film_the_night_of_the_iguana/ movies 10 movie listing
    green door movie [url=http://moviestrawberry.com/films/film_alone_in_the_dark_ii/]alone in the dark ii[/url] rape sex pic movie bengali
    monster the movie [url=http://moviestrawberry.com/films/film_miss_universe_pageant/]miss universe pageant[/url] paris hilton porn movie http://moviestrawberry.com/films/film_duplicity/ camila the movie
    kauai movie tour [url=http://moviestrawberry.com/films/film_tron/]tron[/url] back street movie http://moviestrawberry.com/films/film_public_enemies_the_golden_age_of_the_gangster_film/ species 2 the movie

    SvaraRadera
  33. Rihanna nude is a North American R&B/Soul singer. Most of the worldly population would also classify her as a traditional dancehall singer; who has splurged onto the entertainment scene unexpectedly.
    rihanna nude pictures
    Rihanna has been in the news this week about her naked scandals images spreading quickly around the internet, it has propelled her music career to a whole new level, who would have known. She was born on the 20th of February 1988 today she is 22 years old, so you can see she has gotten around the paparazzi headlines and celebrity blogs over the past few years. Her BF bashing Chris Brown and the naked celeb pictures that everyone wants to see. There were reports from TMZ that there where pictures emerging of the actual facial bruises of rihannas eyes and of course the rihanna naked pictures, well it still did wonders for her music, producing, executive, modeling, singing career. Yes Rihanna has done lots of things in her life.
    rihanna naked

    SvaraRadera
  34. this is a test

    http://www.thisisatest.com

    SvaraRadera
  35. 1st run with active links check and normal linkslist2

    hellothere

    SvaraRadera
  36. 1st run with active links check and normal linkslist2

    hellothere

    Zlinksid2

    SvaraRadera
  37. 1st run with active links check and normal linkslist2

    hellothere

    Zlinksid2

    SvaraRadera
  38. [url=http://viagrapilss.pillsfm.com]buy viagra[/url] the drugs used to treat impotency, may be associated with an increased risk of optic nerve damage in men with a history of heart attack or high blood pressure, suggests a small study in the British Journal of Ophthalmology.

    SvaraRadera
  39. скачать игры бесплатно для двоих http://jamalezra.t35.com/flyff-online.html
    jdmailru http://jamalezra.t35.com/skachat-besplatno-treyneri-k-igre-nosferatu.html
    игры для детей 2 года онлайн http://jamalezra.t35.com/wwwgamesonlineua.html
    way of the samurai 3 http://jamalezra.t35.com/rujustintvukrainestar.html
    флеш игры для двоих онлайн http://jamalezra.t35.com/pirati-onlayn-prohojdenie.html

    SvaraRadera
  40. http://brgi.online-maxi-dvd.info/engine-cracked-block-repair.aspx Engine Cracked Block Repair
    http://benava.revea.info/cz-jobs-traker-serial.php Cz Jobs Traker Serial
    http://fredcham.love-dvds.info/cod4-call-of-duty-4-rank-55-all-gold-weps-patch-real-haydn.aspx Cod4 Call Of Duty 4 Rank 55 All Gold Weps Patch Real Haydn
    http://murwea.congr.info/download-crack-presto-pagemanager-7.asp Download Crack Presto Pagemanager 7
    http://doobr.online-maxi-dvd.info/deskspace-15-crack.php Deskspace 15 Crack
    http://rebecoll.whqvids.info/beyond-the-sword-crack-313.html Beyond The Sword Crack 313
    http://meatruj.online-maxi-dvd.info/lego-fever-crack.html Lego Fever Crack
    http://shfr.dovideosz.info/new-caulk-crack.cgi New Caulk Crack
    http://melriv.online-dvd-master.info/siemens-crack-key.html Siemens Crack Key
    http://stepalex.online-ready-dvd.info/fix-cracked-leaking-shower-head.asp Fix Cracked Leaking Shower Head
    http://annmkenn.becrydvds.info/steganos-internet-anonym-7-crack.html Steganos Internet Anonym 7 Crack
    http://concema.styrocy.info/installshield-63-crack.cgi Installshield 63 Crack
    http://nerosa.ivideosz.info/crack-spyware-doctor-3-2.html Crack Spyware Doctor 3 2
    http://bromc.online-full-dvd.info/bios-crack-medion Bios Crack Medion
    http://lonho.love-dvds.info/perianal-cracked-skin.htm Perianal Cracked Skin
    http://chasmcda.download-dvds-spot.info/xara3d-v6-serialpatch.asp Xara3d V6 Serialpatch
    http://delovaug.styrocy.info/trendy-flash-site-builder-cracks.cgi Trendy Flash Site Builder Cracks
    http://julihutch.subdol.info/upc-bar-codes-30b-crack.cgi Upc Bar Codes 30b Crack
    http://floseric.besvideosz.info/microsoft-office-32003-crack.php Microsoft Office 32003 Crack
    http://leba.styrocy.info/acer-aspire-one-cracked-window.htm Acer Aspire One Cracked Window

    SvaraRadera
  41. http://www.ccsandbox.com/luellabrownto0915/ stratford online college http://www.ccsandbox.com/sybilbrownto0922/ mini golf courses to play online http://jaynebakerre0935.supdad.com/ online degree accredited college and university http://louellaallence0936.smalldogassociation.com/ accelerated colleges online http://www.wspatest.org/christawilliamski0928/ online persian language courses http://www.onerocker.com/margueritebutlerbo0959/ west los angeles college online registration http://candaceallenxu0920.smalldogassociation.com/ online courses in polish http://www.peoplesong.org/halliejoneswu0903/ medical transcription online courses http://www.onesite.ws/jenniferparkerja0911/ online college degrees peirce online degrees http://leemurphyzo0920.smalldogassociation.com/ dog training online at home courses http://www.onerocker.com/twilaperezje0954/ online courses in teaching social studies http://www.onesite.ws/louiserogersvi0903/ online math courses at converse college http://www.genericsocialnetwork.com/mariannelsontu0927/ ebusiness online college http://www.genericsocialnetwork.com/vernanelsontu0905/ ics courses online http://www.onesite.ws/margieadamszi0938/ online real estate courses in arizona

    SvaraRadera
  42. [url=http://trig.com/stratterareviews/biography]strattera withdrawal
    [/url]

    SvaraRadera
  43. [url=http://izh-bka.ru/][b]Юбилей больнице[/b][/url], которая находиться в[b] городе на Иже[/b], может стоит поздравить?!

    SvaraRadera
  44. http://46thstreetstudio.com/black-lesbian-porn.html tits n ass black female porn stars tit and ass

    SvaraRadera
  45. [url=http://vernrickdi.narod.ru/post-374412.html]Где в москве точки проституток[/url]
    [url=http://vernrickdi.narod.ru/post-125413.html]Проститутки киева москвы[/url]
    [url=http://vernrickdi.narod.ru/post-988926.html]Проститутки москвы до 2000[/url]
    [url=http://vernrickdi.narod.ru/post-435295.html]Проститутки москвы без презерватива[/url]
    [url=http://vernrickdi.narod.ru/post-532750.html]Проститутки москвы расширенный поиск[/url]
    [url=http://vernrickdi.narod.ru/post-369421.html]Проститутки москвы старше 50 лет[/url]
    [url=http://vernrickdi.narod.ru/post-861230.html]Проститутки москва бибирево[/url]
    [url=http://vernrickdi.narod.ru/post-708782.html]Дешевые шлюхи и проститутки москвы[/url]
    [url=http://vernrickdi.narod.ru/post-457885.html]Проститутки москвы речной вокзал[/url]
    [url=http://vernrickdi.narod.ru/post-489307.html]Проститутки москвы видео онлайн[/url]
    [url=http://vernrickdi.narod.ru/post-266404.html]Проститутки москвы эконом[/url]
    [url=http://vernrickdi.narod.ru/post-769776.html]Проститутки и шлюхи г москвы[/url]
    [url=http://vernrickdi.narod.ru/post-120319.html]Досуг в москве девушки проститутки[/url]
    [url=http://vernrickdi.narod.ru/post-83220.html]Ночные проститутки москвы[/url]
    [url=http://vernrickdi.narod.ru/post-276727.html]Проститутки москвы анальный секс[/url]
    [url=http://vernrickdi.narod.ru/post-411967.html]Очень дешевые проститутки москвы[/url]
    [url=http://vernrickdi.narod.ru/post-87160.html]Высокие проститутки москвы[/url]
    [url=http://vernrickdi.narod.ru/post-491928.html]Фотки проституток москвы[/url]
    [url=http://vernrickdi.narod.ru/post-652991.html]Проститутки москвы цены выезд[/url]
    [url=http://vernrickdi.narod.ru/post-701178.html]Проститутки москвы от 50 лет[/url]
    [url=http://vernrickdi.narod.ru/post-542721.html]Проститутки индивидуалки москвы фото[/url]
    [url=http://vernrickdi.narod.ru/post-689434.html]Проститутки москва молодежная[/url]
    [url=http://vernrickdi.narod.ru/post-460194.html]Анкеты дешевых проституток москвы[/url]
    [url=http://vernrickdi.narod.ru/post-968724.html]Проститутки москвы фото видео[/url]
    [url=http://vernrickdi.narod.ru/post-767155.html]Индивидуальные проститутки москвы[/url]
    [url=http://vernrickdi.narod.ru/post-49320.html]Проститутки москвы метро новогиреево[/url]
    [url=http://vernrickdi.narod.ru/post-749334.html]Проститутки москва курская[/url]
    [url=http://vernrickdi.narod.ru/post-250808.html]Проститутки спб и москвы[/url]
    [url=http://vernrickdi.narod.ru/post-596308.html]Проститутки свао г москва[/url]
    [url=http://vernrickdi.narod.ru/post-196322.html]Проститутки самые дешевые москвы индивидуалки[/url]

    SvaraRadera
  46. НИУ-ИБИС - создание, продвижение, аренда и поддержка сайтов. http://niu-ibis.ru Зайдите на наш сайт и рассчитайте самостоятельно стоимость всех Ваших затрат, а мы Вам сделаем еще скидку!!!

    SvaraRadera
  47. Арендовать юридические адреса можно на основе договора аренды юридического адреса, договора на предоставление адреса местонахождения, договора субаренды или договора о совместной деятельности.

    [url=http://www.lemann.ru/yuridicheskie-adresa.html] юридические адреса[/url]

    SvaraRadera
  48. виагра состав !)







    таблетки виагра 295846
    342 основной компонент виагры
    виагра таблетки действие 3425

    SvaraRadera
  49. сиалис купить :)







    дженерик сиалис купить 528319
    952 лекарство сиалис
    виагра сиалис 4675

    SvaraRadera
  50. действие сиалиса )))







    сиалис софт 635842
    932 сиалис софт
    купить сиалис с доставкой 3482

    SvaraRadera
  51. randki i spotkania %PP







    randki w 561428
    729 randki poznan
    gry w randki 8317

    SvaraRadera
  52. kobieta randki :-]







    randki ilowe 247193
    463 randki w internecie
    internetowe randki 6792

    SvaraRadera
  53. однотрахники социальная сеть ;-)







    сайт однотрахники 183794
    965 однотрахники секс знакомства
    однотрахники ру 2954

    SvaraRadera
  54. randki internetowe -))







    Sex randki 234751
    179 Sex randki
    randki 9785

    SvaraRadera
  55. 3D эротика и конкурсы на сайте http://www.eromania3d.ru

    SvaraRadera
  56. great blog If you are the type to update your blog regulary, then you have gained one daily reader in me today. keep up the super work.
    watch harry potter and deathly hallows online

    SvaraRadera
  57. Вот последние киноленты что я нашла в сети из рабочих

    SvaraRadera
  58. Продажа готовых ооо, регистрация оффшоров, юр. адреса все ИФНС г.Москвы, консультации сообразно открытию счетов в Российских и зарубежных банках
    [url=http://law-1.ru/] юридический адрес[/url]

    SvaraRadera
  59. mandy musgrave in her shoes cheap fake juicy couture handbags online malaysia

    SvaraRadera
  60. Варез - качай всё бесплатно.

    SvaraRadera
  61. Use a odorous massage oil not Shamballa to be а more than acute and unfathomеd heаling ѕyѕtem than tantгіс mаssage.


    Feel free to surf to my web site ... web page

    SvaraRadera
  62. Τhe articlе has confirmed beneficial to mysеlf.
    It’s very eduсational anԁ you're simply clearly really experienced of this type. You have got opened up my eye for you to various thoughts about this kind of subject matter along with intriguing, notable and sound written content.
    Stop by my web site - buy viagra online

    SvaraRadera
  63. Yοuг curгеnt aгticlе
    offeгs pгovеn helpful to mе.
    It’ѕ extгеmely informative anԁ
    you arе obѵiously very wеll-informed in thіs field.
    Yοu haѵe got opened uρ mу peгѕonal
    eyes to diffеrent vіеws
    on thіs ѕpecіfic topiс using intгiquing,
    notable and ѕtгong cоntent.

    Hегe is my web blοg buy Valium
    My web blog : buy Valium

    SvaraRadera
  64. The reason is - video-on-demand market is the only model that works on subscriptions.

    ANTENNA: I get the same number of channels over the air
    as I did when I had a 7 year old generic HD TV. A stable internet connection is needed, may it be
    using a cable-powered connection or wifi.

    Here is my webpage ... roku 2 xs

    SvaraRadera
  65. The WI-FI enabled chromebooks, by Acer will come
    somewhere around $350. The introduction of the Samsung Chromebook into the marketplace
    signifies a shift away from the traditional concept of a laptop
    where the devices itself stores all of the information that you require.
    While the Inspiron and Samsung both offer the new i3 processor, the Acer AS5253 comes with a quick AMD-E series 2.


    my web blog ... samsung chromebook review

    SvaraRadera
  66. You see people passing time by checking on friends, catching
    up on texts or e-mail or playing a video game oblivious to what is happening around.
    Smartphone survey is an important app for Smartphone users that may keep them busy while giving some beneficial results.

    Moreover, it has been observed that Apple's i - Phone apps access personal data without asking user's permission the way it should be.


    Feel free to visit my website :: galaxy s4

    SvaraRadera
  67. They must have been forced to face several uncomfortable issues
    as far as the use of their i - Phone is concerned. 1 is Samsungs replacement of the original Galaxy Tab 10.
    Like the Apple i - Pad Keyboard Dock listed above, the Logitech Android Keyboard has many tablet-friendly features.


    Here is my webpage; samsung galaxy tab

    SvaraRadera
  68. This feature adds more digital camera ratings and is perfect for professional nature photographers who want to take photos with no artificial
    lighting. Obviously, there may be some changes in the images produced by the pre and production run 5DIIIs.
    When High-pace mode is engaged, a smaller yellow
    LED lighting up (you are going to even be alerted to the display).


    Also visit my site :: canon eos 5d mark iii

    SvaraRadera

Gadgeten innehöll ett fel