Bonne dette vs créance irrécouvrable: comprendre les différences - Jmundo

Bonne dette vs créance irrécouvrable: comprendre les différences

Vous avez peut-être entendu dire que les dettes se divisent en deux types: les bonnes et les mauvaises créances.

Une «bonne» dette est de l’argent que vous devez pour des choses qui peuvent aider à créer de la richesse ou à augmenter vos revenus au fil du temps (comme les prêts étudiants, les hypothèques ou les prêts commerciaux), tandis que les «mauvaises» dettes font référence à des choses comme les cartes de crédit. ou d’autres dettes à la consommation qui n’améliorent guère vos résultats. Cependant, ce ne sont que des simplifications, et la distinction entre «mauvaise» et «bonne» dette est beaucoup plus complexe. Ce sujet mérite d’être revu et compris les nouvelles règles du jeu de la dette.

Qu’est-ce qu’une « bonne » dette?

Alors que les prêts étudiants, les hypothèques, les billets de voiture, etc. Ils peuvent être utilisés avec succès pour créer de la richesse ou augmenter vos revenus, ce qui n’est pas toujours, ni nécessairement, le cas. L’utilisation réussie de cette dette dépend de plusieurs facteurs.

Les prêts étudiants sont une nécessité pour de nombreux Américains à faible revenu qui souhaitent financer des études universitaires, mais comme nous l’avons tous compris, tous les programmes universitaires ne sont pas les mêmes. La règle générale est que vous ne devriez pas emprunter plus (au total) que ce que vous pensez gagner au cours de votre première année de travail.

Par exemple, si vous étudiez pour une maîtrise en éducation et que le salaire de départ moyen d’une personne de son école avec ce diplôme est de 65000 $, vous ne devriez pas souscrire plus que ce montant en prêts pour financer ce diplôme.

Carrie Schwab-Pomerantz, conseillère financière, présidente du conseil d’administration et présidente de la Fondation Charles Schwab se fait l’écho de cette ligne directrice et déclare: «Vous ne devriez jamais avoir une dette d’études plus élevée que vous ne le pensez. an ».

Cette règle générale repose sur l’idée qu’avec les augmentations de salaire annuelles, vous devriez être en mesure de suivre les intérêts de votre dette et de les rembourser dans le délai de remboursement standard de 10 ans. Cela étant dit, si vous obtenez votre diplôme dans une économie fragile ou un marché du travail faible, vous voudrez peut-être avoir encore moins de dettes.

Bien sûr, il n’est pas possible d’anticiper une récession des années à l’avance, de sorte que les étudiants de première année peuvent ne pas connaître les conditions de travail qui les attendent à la fin de leurs études. Néanmoins, si vous êtes à l’école maintenant, il est suggéré de minimiser vos dettes encore plus que d’habitude, ou si vous envisagez de retourner à l’école maintenant, évitez autant que possible les dettes. Très probablement, certains effets persistants de la récession du COVID-19 peuvent encore être présents lorsque vous obtenez votre diplôme.

Prêts hypothécaires : La dette hypothécaire a toujours été considérée comme l’une des formes les plus sûres de «bonne dette», car vos mensualités finissent par augmenter les capitaux propres.
Cependant, comme la Grande Récession et la crise des subprimes nous l’ont appris, les prix n’augmentent pas toujours indéfiniment et n’empruntent pas plus que ce que vous pouvez vous permettre, ou utilisez des conditions hypothécaires que vous ne comprenez pas parfaitement, comme les prêts hypothécaires à taux. réglable (ARM), présentent un risque important.

Au cours de la crise hypothécaire de 2007-2008, des millions d’emprunteurs ont perdu leur maison à cause de prêts hypothécaires risqués, les prix des maisons ayant chuté et les remboursements des prêts ARM ajustés à la hausse.

Les prêts hypothécaires restent l’un des moyens les plus accessibles pour des millions d’Américains de constituer un investissement relativement sûr sous forme de capitaux propres, mais cela nécessite une compréhension du montant pouvant être emprunté, ainsi qu’une solide compréhension du marché immobilier au fil du temps. tu achètes quoi.

De manière générale, votre paiement hypothécaire mensuel (y compris le PMI) doit être inférieur à 28% de votre revenu mensuel brut.

Vous devez également tenir compte d’autres facteurs, tels que les conditions de votre prêt. Bien que les ARM offrent des taux d’intérêt plus bas (et donc des paiements mensuels inférieurs) à l’avance, ils peuvent être ajustés à la hausse au fil du temps, ce qui entraîne des paiements plus élevés que vous ne pouvez pas anticiper complètement si vous ne le faites pas. vous lisez attentivement votre contrat.
Trouvez un niveau de paiement hypothécaire qui convient à votre maison à long terme, en tenant compte de la possibilité de licenciements, d’une famille plus nombreuse ou de tout autre événement pouvant affecter votre revenu disponible à l’avenir.

La dérnière question

Que vous empruntiez pour un titre, une maison, une voiture ou une nouvelle entreprise, le facteur déterminant ultime pour savoir si la dette que vous accumulez est «bonne» est la question suivante:

« Cette dette me paiera-t-elle un jour plus que ce que j’ai versé? » C’est une question qui semble simple, mais qui peut demander un peu de réflexion. Après avoir considéré le remboursement du principal, les paiements d’intérêts et d’autres utilisations de cet argent, la dette a-t-elle un sens? Récupérez-vous tout votre argent et autre chose? Auriez-vous pu faire mieux avec le temps et l’argent que vous investissez?

Ce processus de réflexion vous aidera à déterminer si une dette est plus lourde que bénéfique, et si vous la regardez de cette façon, dans certains cas, même les cartes de crédit peuvent être plus «bonnes» que «mauvaises». (Par exemple, si vous payez tous vos soldes mensuels à temps et accumulez des économies importantes ou des récompenses en espèces, ou si vous utilisez une carte de transfert de solde à 0% APY pour rembourser vos dettes plus rapidement.) La clé est ce que la dette fait pour vous, et elle devrait toujours être plus que ce que vous faites pour la dette

(Visited 8 times, 1 visits today)

Articles Recents

Comment (0)

  1. I don’t even know how I ended up here, but I thought this post
    was good. I do not know who you are but definitely you are going to a
    famous blogger if you are not already 😉 Cheers!

  2. Hello i am kavin, its my first time to commenting anywhere, when i read this piece
    of writing i thought i could also create comment due to this brilliant post.

  3. I am curious to find out what blog system you’re using?
    I’m having some minor security issues with
    my latest site and I would like to find something more risk-free.
    Do you have any suggestions?

  4. Hey there! Do you know if they make any plugins to assist
    with SEO? 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. Appreciate it!

  5. Great work! This is the kind of information that should be shared around the internet.
    Shame on the search engines for no longer positioning this submit upper!
    Come on over and seek advice from my site . Thank you =)

  6. Hi! This is my first comment here so I just wanted to give a quick shout out and tell you I
    really enjoy reading through your blog posts. Can you recommend any other blogs/websites/forums that cover the
    same topics? Thank you so much!

    Also visit my web blog gema 918kiss 2

  7. With havin so much content and articles do
    you ever run into any issues of plagorism or copyright violation? My site has a lot of
    unique content I’ve either created myself or outsourced but it seems a
    lot of it is popping it up all over the internet without my agreement.

    Do you know any ways to help reduce content from being stolen? I’d genuinely
    appreciate it.

    Feel free to visit my web page :: Xe88 Apk Android

  8. This is the perfect web site for anybody who
    would like to find out about this topic. You know a whole lot its almost tough to argue with you (not that I really
    will need to…HaHa). You certainly put a fresh spin on a subject which has been discussed for decades.
    Excellent stuff, just great!

    Review my page :: mega888 game list (918kiss-m.com)

  9. 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!

    Visit my homepage – lpe88 test

  10. It’s perfect time to make some plans for the future and
    it’s time to be happy. I’ve read this post and if I could
    I wish to suggest you some interesting things or suggestions.

    Maybe you can write next articles referring to this
    article. I wish to read even more things about it!

    my blog post joker388 download apk

  11. It is appropriate time to make some plans for the future
    and it is time to be happy. I’ve read this post and if I could I wish to suggest you some interesting things or advice.
    Perhaps you can write next articles referring to this
    article. I wish to read even more things about it!

    my site :: scr888 online

  12. I truly love your blog.. Very nice colors & theme.
    Did you create this site yourself? Please reply back as I’m attempting to create my own personal blog
    and would love to learn where you got this from or what the theme is named.
    Cheers!

  13. Hey There. I found your weblog the use of msn. That is a very neatly
    written article. I will be sure to bookmark it and come back to
    read more of your helpful info. Thank you for the post.
    I’ll definitely comeback.

    Feel free to visit my website … kiss918 android

  14. Hello! Do you know if they make any plugins to help with SEO?
    I’m trying to get my blog to rank for some targeted keywords but I’m not
    seeing very good gains. If you know of any please share.

    Thanks!

  15. Heya! I just wanted to ask if you ever have any problems with hackers?
    My last blog (wordpress) was hacked and I ended up losing a few months of hard work due to no back up.
    Do you have any methods to prevent hackers?

  16. Wow! This blog looks just like my old one! It’s on a totally different subject but it has pretty
    much the same layout and design. Superb choice of colors!

  17. Simply wish to say your article is as amazing. The clarity in your post is just
    nice and i can assume you are an expert on this subject. Fine with your permission allow me to grab your feed to keep updated with forthcoming post.
    Thanks a million and please keep up the gratifying work.

  18. Hi there I am so glad I found your blog page, I really found you by mistake,
    while I was looking on Bing for something else, Anyways
    I am here now and would just like to say thank you for a marvelous post
    and a all round enjoyable blog (I also love
    the theme/design), I don’t have time to browse it all at the moment but I have bookmarked it and also
    included your RSS feeds, so when I have time I will be back to read a lot more,
    Please do keep up the awesome job.

  19. Usually I don’t read post on blogs, however I wish to say that this write-up very
    pressured me to check out and do so! Your writing style has been amazed me.

    Thanks, quite nice post.

  20. I was recommended this website by means of my cousin. I’m not certain whether or not this publish is written through him as nobody else recognize such particular approximately my problem.
    You’re amazing! Thank you!

  21. Hey There. I found your blog using msn. This is an extremely well written article.
    I’ll be sure to bookmark it and return to read more
    of your useful info. Thanks for the post. I will definitely comeback.

  22. After looking at a handful of the blog posts on your blog,
    I seriously like your technique of writing a blog.

    I bookmarked it to my bookmark site list and will be checking back in the near
    future. Please check out my website as well and
    let me know your opinion.

  23. I would like to thank you for the efforts you’ve put in penning this site.
    I really hope to view the same high-grade blog posts from you in the future as well.
    In fact, your creative writing abilities has encouraged me to get
    my own site now 😉

  24. I am extremely inspired together with your writing skills as smartly as with the format to your blog.
    Is that this a paid theme or did you modify it
    yourself? Either way stay up the nice quality writing, it is
    uncommon to peer a nice weblog like this one today..

  25. Hello, I think your website might be having browser compatibility issues.
    When I look at your website in Opera, 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, terrific blog!

  26. Pretty section of content. I just stumbled upon your site and in accession capital
    to assert that I get actually loved account your weblog posts.

    Anyway I will be subscribing in your augment or even I achievement you
    get admission to consistently rapidly.

  27. Please let me know if you’re looking for a author for your blog.
    You have some really great articles and I think I would be a good asset.
    If you ever want to take some of the load off,
    I’d really like to write some articles for your blog in exchange for a link back to mine.
    Please blast me an email if interested. Regards!

  28. My family every time say that I am killing my time
    here at web, however I know I am getting knowledge daily by reading thes good articles.

  29. Thank you for every other fantastic article.
    Where else may just anybody get that type of info in such an ideal manner of writing?
    I have a presentation next week, and I am on the search for such information.

  30. Great blog! Is your theme custom made or did you download it from
    somewhere? A theme like yours with a few simple tweeks would really
    make my blog jump out. Please let me know where you got
    your design. Thank you

  31. I was wondering if you ever considered changing the page layout of your blog?
    Its very well written; I love what youve got to
    say. But maybe you could a little more in the way of content
    so people could connect with it better. Youve got an awful lot of text for only having one or two
    pictures. Maybe you could space it out better?

  32. You really make it appear really easy with your presentation but I in finding this matter to be actually something which I think I
    might never understand. It seems too complex
    and extremely extensive for me. I’m having a look ahead
    to your next post, I’ll try to get the dangle of it!

  33. Nice blog! Is your theme custom made or did you download it from somewhere?

    A design like yours with a few simple tweeks would really make my
    blog shine. Please let me know where you got your theme.

    Appreciate it

  34. Hi! I’ve been following your site 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!

  35. Does your site have a contact page? I’m having problems
    locating it but, I’d like to shoot you an email.

    I’ve got some creative ideas for your blog you might be interested in hearing.
    Either way, great website and I look forward to seeing it expand over time.

  36. 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 have done an impressive job and our entire community will be grateful to you.

  37. Hello there! Quick question that’s totally off topic.
    Do you know how to make your site mobile friendly?

    My site looks weird when browsing from my iphone4.
    I’m trying to find a theme or plugin that might be able to resolve this issue.
    If you have any suggestions, please share. Cheers!

  38. I don’t even know how I ended up here, but I thought this post was good.
    I do not know who you are but certainly you are going to a famous
    blogger if you aren’t already 😉 Cheers!

  39. Its such as you learn my thoughts! You appear to know a lot
    approximately this, like you wrote the book in it or something.
    I feel that you could do with some percent to pressure the message
    home a little bit, however other than that, that is excellent blog.
    A fantastic read. I’ll definitely be back.

  40. I enjoy what you guys tend to be up too. This sort of clever work and coverage!
    Keep up the amazing works guys I’ve included you guys to
    blogroll.

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

  42. My spouse and I absolutely love your blog and find most of your post’s to be precisely what I’m
    looking for. Does one offer guest writers to write content to suit your needs?
    I wouldn’t mind composing a post or elaborating on most of
    the subjects you write regarding here. Again, awesome web log!

  43. Unquestionably believe that which you said. Your favorite justification appeared to be on the web the simplest thing to be aware of.

    I say to you, I certainly get annoyed while people
    consider worries that they just don’t know about. You managed to hit the nail upon the top and defined out the whole
    thing without having side-effects , people could take a signal.

    Will likely be back to get more. Thanks

  44. Have you ever considered about adding a little bit more than just your articles?
    I mean, what you say is important and all. But imagine if you added some
    great visuals or videos to give your posts more, « pop »! Your content is excellent but with images and video clips, this blog could undeniably be one of the greatest in its
    niche. Fantastic blog!

  45. Hello, Neat post. There’s an issue with your site in web explorer,
    would test this? IE nonetheless is the marketplace chief
    and a good section of other people will pass over your fantastic writing due to this problem.

  46. Excellent web site. Lots of useful information here. I’m sending it to a few friends ans additionally
    sharing in delicious. And naturally, thanks in your sweat!

  47. I loved as much as you will receive carried out right here.
    The sketch is tasteful, your authored subject matter stylish.
    nonetheless, you command get got an impatience over that you wish be delivering the following.

    unwell unquestionably come more formerly again since exactly the same nearly a lot often inside case you shield this increase.

  48. you are in point of fact a just right webmaster. The site loading velocity is amazing.
    It sort of feels that you’re doing any unique trick. In addition, The contents are masterwork.
    you have done a fantastic process on this subject!

  49. An outstanding share! I’ve just forwarded this onto a co-worker who was doing a little homework on this.
    And he actually ordered me lunch simply because I found it for him…
    lol. So allow me to reword this…. Thank YOU for the meal!!

    But yeah, thanks for spending time to talk about this matter here
    on your web site.

  50. Link exchange is nothing else except it is only placing the other person’s
    web site link on your page at appropriate place and
    other person will also do same in support of you.

  51. Hello there! This article couldn’t be written much better!
    Looking through this article reminds me of my previous roommate!

    He always kept talking about this. I’ll send this article
    to him. Pretty sure he’s going to have a good read.
    I appreciate you for sharing!

  52. When I initially commented I clicked the « Notify me when new comments are added » checkbox and
    now each time a comment is added I get three emails with
    the same comment. Is there any way you can remove
    people from that service? Thanks a lot!

  53. I think this is one of the most important info for me.
    And i am glad reading your article. But wanna remark on few general things, The web site
    style is perfect, the articles is really excellent : D.
    Good job, cheers

  54. I loved as much as you will receive carried out right here.

    The sketch is attractive, your authored material stylish.
    nonetheless, you command get bought an impatience over
    that you wish be delivering the following. unwell unquestionably come further formerly again since exactly the same nearly very often inside
    case you shield this hike.

  55. Today, I went to the beach with my kids. I found a sea shell
    and gave it to my 4 year old daughter and said
    « You can hear the ocean if you put this to your ear. » She put the shell to her ear
    and screamed. There was a hermit crab inside and it pinched her
    ear. She never wants to go back! LoL I know this is completely off topic but
    I had to tell someone!

  56. Whoa! This blog looks just like my old one! It’s on a totally different subject but it has pretty much the same page layout and design. Superb choice of colors!

  57. Link exchange is nothing else however it is just placing the other
    person’s blog link on your page at proper place and other person will
    also do same for you.

  58. Hey there, You have done a fantastic job. I will certainly digg it and personally
    suggest to my friends. I’m confident they’ll be benefited from this website.

  59. I know this site presents quality depending articles and additional
    information, is there any other site which provides these kinds of stuff in quality?

  60. I needed to thank you for this fantastic read!! I absolutely loved every little
    bit of it. I have got you bookmarked to check out new stuff you post…

  61. Helpful info. Fortunate me I found your site unintentionally, and I am surprised why this twist of fate didn’t happened earlier!
    I bookmarked it.

  62. Hello there! I just wish to offer you a huge thumbs up for your excellent
    info you have got right here on this post. I will be returning to
    your site for more soon.

  63. Hi there! I simply would like to offer you a huge thumbs up for the excellent information you’ve got
    right here on this post. I will be coming back to your website for more soon.

  64. Pretty section of content. I just stumbled upon your weblog and
    in accession capital to assert that I acquire in fact
    enjoyed account your blog posts. Any way I’ll be subscribing to your feeds and even I achievement you
    access consistently rapidly.

  65. Right here is the right webpage for anyone who would
    like to understand this topic. You understand so much its almost hard to argue with
    you (not that I really will need to…HaHa). You
    certainly put a fresh spin on a topic that’s been discussed
    for a long time. Great stuff, just excellent!

  66. Hello it’s me, I am also visiting this website daily, this site
    is really pleasant and the users are actually sharing nice thoughts.

  67. I really like what you guys are usually up too. Such clever work and reporting!
    Keep up the terrific works guys I’ve incorporated you guys
    to our blogroll.

  68. When I initially commented I clicked the « Notify me when new comments are added » checkbox and now each time a comment is added I get three emails with the
    same comment. Is there any way you can remove me from that service?
    Appreciate it!

  69. You really make it seem so easy with your presentation but I find this matter
    to be really something which I think I would never understand.

    It seems too complicated and very broad for me. I am looking forward for your next post, I’ll try to
    get the hang of it!

  70. fantastic issues altogether, you simply received a emblem new reader.

    What could you suggest about your submit that you simply
    made a few days in the past? Any sure?

  71. You can certainly see your enthusiasm in the article you write.
    The sector hopes for even more passionate writers like you who aren’t afraid to
    say how they believe. All the time go after your heart.

  72. wonderful put up, very informative. I ponder why the
    other specialists of this sector don’t notice this.
    You should proceed your writing. I’m sure, you have a huge readers’ base already!

  73. Hi there! I know this is somewhat off-topic but I had to ask.
    Does building a well-established blog such as yours take a massive amount work?
    I’m completely new to writing a blog but I do write
    in my diary daily. I’d like to start a blog so
    I can easily share my personal experience and thoughts online.

    Please let me know if you have any suggestions or tips for brand new aspiring bloggers.
    Thankyou!

  74. Hello there! Do you use Twitter? I’d like to
    follow you if that would be ok. I’m absolutely enjoying your blog and look forward to new posts.

  75. Hi there, You’ve done an excellent job. I’ll certainly digg it and personally suggest
    to my friends. I’m sure they will be benefited from this site.

  76. I like the valuable information you provide
    for your articles. I will bookmark your weblog and check again here
    frequently. I am rather sure I will learn plenty of
    new stuff right here! Good luck for the following!

  77. When I originally commented I clicked the « Notify me when new comments are added » checkbox and now each time a comment is added I get three emails
    with the same comment. Is there any way you can remove me from
    that service? Thanks!

  78. Howdy, i read your blog from time to time and i own a
    similar one and i was just wondering if you get a lot of spam
    remarks? If so how do you prevent it, any plugin or anything you can advise?

    I get so much lately it’s driving me insane so any assistance
    is very much appreciated.

  79. I will immediately seize your rss feed as I can’t in finding your e-mail subscription hyperlink or
    e-newsletter service. Do you’ve any? Kindly allow me recognise in order that I may subscribe.
    Thanks.

  80. What i do not realize is if truth be told how you are not really a lot more well-appreciated than you may be now.

    You’re very intelligent. You recognize thus significantly
    in relation to this topic, produced me in my opinion consider it from numerous various angles.

    Its like men and women aren’t fascinated unless it is one thing to accomplish with Lady gaga!
    Your individual stuffs great. Always deal with it up!

  81. When I originally commented I clicked the « Notify me when new comments are added » checkbox and now each time a
    comment is added I get several e-mails with the same comment.

    Is there any way you can remove me from that service?

    Thanks a lot!

  82. whoah this blog is fantastic i love reading your articles.
    Stay up the good work! You understand, a lot of individuals are looking round for this information, you could help them greatly.

  83. Link exchange is nothing else except it is only placing the
    other person’s web site link on your page at
    proper place and other person will also do same in favor of you.

  84. This design is steller! You certainly know how to keep a reader entertained.
    Between your wit and your videos, I was almost moved to
    start my own blog (well, almost…HaHa!) Wonderful job.
    I really enjoyed what you had to say, and more than that, how you presented it.
    Too cool!

  85. I was very pleased to find this web site. I want to to thank
    you for ones time due to this wonderful read!!
    I definitely savored every little bit of it and I have you
    book-marked to check out new information on your web site.

  86. Admiring the commitment you put into your website and in depth information you present.
    It’s great to come across a blog every once in a while that isn’t the same out of
    date rehashed material. Great read! I’ve bookmarked your site and I’m adding your RSS feeds
    to my Google account.

  87. It’s perfect time to make a few plans for the future and it is time to be happy.
    I’ve read this post and if I may just I desire to counsel you some attention-grabbing things
    or advice. Perhaps you can write subsequent articles regarding this article.
    I wish to read even more things about it!

  88. I was recommended this blog by my cousin. I’m not sure whether
    this post is written by him as nobody else know such detailed
    about my problem. You’re wonderful! Thanks!

  89. It’s not my first time to visit this web site, i am
    visiting this web site dailly and obtain pleasant information from here
    daily.

  90. I got this web site from my buddy who shared with me concerning this web site and
    at the moment this time I am browsing this web page and reading very informative posts at this place.

  91. Does your site have a contact page? I’m having trouble 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 website and I look forward to
    seeing it improve over time.

  92. Howdy just wanted to give you a brief heads up and let you
    know a few of the pictures aren’t loading properly. I’m not sure why
    but I think its a linking issue. I’ve tried it in two different web browsers and both show
    the same results.

  93. My partner and I absolutely love your blog and find
    almost all of your post’s to be just what I’m looking for.
    Would you offer guest writers to write content to suit
    your needs? I wouldn’t mind writing a post or elaborating on most of the subjects you write related to here.

    Again, awesome web log!

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

  95. Hi there, just became aware of your blog through Google, and found that it is really informative.

    I am going to watch out for brussels. I’ll appreciate if
    you continue this in future. Lots of people will be benefited
    from your writing. Cheers!

  96. Hmm it seems like your site ate my first comment (it was
    extremely long) so I guess I’ll just sum it up what I submitted and say, I’m thoroughly enjoying your blog.
    I as well am an aspiring blog blogger but I’m still new to the
    whole thing. Do you have any tips and hints for newbie blog writers?
    I’d definitely appreciate it.

  97. Everything is very open with a very clear clarification of the issues.
    It was really informative. Your website is very useful.
    Thanks for sharing!

  98. Good way of telling, and good piece of writing to get information concerning my presentation subject matter, which i am going to
    deliver in institution of higher education. asmr 0mniartist

  99. It’s not my first time to pay a quick visit this
    website, i am visiting this website dailly and obtain good data
    from here all the time. 0mniartist asmr

LEAVE YOUR COMMENT

Votre adresse e-mail ne sera pas publiée. Les champs obligatoires sont indiqués avec *