Saturday, September 02, 2006

My date with Merrill (Lynch)

Has anyone seen "My Date with Drew"? I thought it was a cool movie, shows how someone can achieve what seems to be impossible on nothing but desire and tenacity.

I spent over an hour interviewing a financial advisor from Merrill Lynch's private client group. The goal of the meeting was to find out what Merrill could do for me, and his proposal for financial strategy.

I had given him a list of some of my mutual fund holdings, and he went through some analysis for me. His goal was to convert me from mutual funds to managed funds and hedge funds. Here are some key points that I've gleaned from the meeting, my own past experience with managed funds, and some discussion with an ex-Merrill Lynch client:

1. Minimum account they're willing to work with is ~600K. Typical managed fund and hedge fund minimums are 100K, so 600K would be enough to start 3 managed funds and 3 hedge funds, all with different management styles.

2. Average account size in this private client group is $2M.

3. Managed accounts allow you to tax loss harvest at the end of the year. You can advise the manager of your tax situation (i.e. that you have capital gains you want to offset), and instruct them to take individual stock losses against your gains. This is something you wouldn't be able to do with a mutual fund, since you have no control over the underlying fund assets.

4. You purchase the underlying shares in the managed account, so your cost basis is the actual share price on the date of purchase. When those shares are sold, you are taxed on actual gains (or losses). For mutual funds, when you purchase the mutual fund, the fund already holds those underlying shares, likely with a cost basis lower than the market price at the time you made the purchase. When the mutual fund makes a distribution, you are taxed on the gains the fund made from its original purchase price, not at the price you paid. Your fund could have lost value, but you'd still have to pay capital tax on the distribution. This is awful, and so is another big benefit of managed funds.

5. Management fees. Merrill charges its own 1+% fee, and the managers charge another 1-2%, so the fees add up. However, mutual funds have hidden fees besides the management fees shown on Yahoo finance, including transaction costs and taxes. www.personalfund.com has more details of all the costs associated with a particular fund. Depending on the fund, Merrill's fees may actually work out to be lower. But if you're going for lowest costs, ETFs or Vanguard funds would be good bets.

6. Tax complications. If you own hedge funds, you will probably have to file for tax return extensions every year, because you don't receive final tax documents (K-1s) until after April 15.

7. Hedge funds did well in 2000-2002, but many of them seem to be lagging the market from 2003-present. This is probably related to the huge amount of money being poured into hedge funds the last several years. One thing I like about hedge funds is that their volatility seems to be generally lower than the overall market.

8. They don't offer tax liens or real estate deals. Need to go with Citibank for those.

My conclusion? If you've got all the time in the world, it's better for you to do your own research and manage individual stocks. For those with net worth less than a few hundred K and no time, stick with ETFs, mutual funds, and some individual stocks. For those with net worth > $1M and no time, it's still kind of a toss-up, fund selection is key whether you go with mutual or managed funds. For those with net worth > $5M, you pretty much need someone to help you diversify.

I'm going to stay the course and not go with Merrill yet. Will interview more financial advisors. It's a time-consuming task.

65 comments:

Dr. J said...

Hey, I'm glad I found your blog. I have been looking for a personal finance blog that focuses on high net worth topics.

When I first made some money, I spent a lot of time talking to financial advisors, private banks and PCS groups, and the bottom line is that the fees are just too high, and their interests are seemingly always at odds with yours. I do some business with all those types of people but only for products that are harder to get like muni bonds. I would never pay 1% a year fee for stock management. But I had a career on wall street, so I know somewhat more than the average person about investing. I don't think it really takes more effort to diversify a multimillion $ portfolio than it does to diversify a small one. It is just a lot scarier because daily swings can be month or sometimes a year's salary. My biggest problem is getting over fear caused by these swings. Because I have the mindset of someone who is not rich, I freak out about tiny percentage moves because they are large to me on an absolute basis.

By the way, one product I really like which you may be interested in but are quite hard to find are municipal inflation-indexed bonds. They're like TIPS but tax-free. They usually yield 1% above CPI and are good if you worry about inflation like I do.

Rags 2 Riches said...

Thanks for stopping by. I don't have strong feelings either way about whether or not to use a professional portfolio manager. It strongly depends on the particular individual you are dealing with (whose interest do they really have?), and your own interest in finances (i.e. how likely are you to actually invest money rather than just let it sit around). I also think that your opinion of a financial advisor would depend on whether you met them during a bull or a bear market. Co-workers' opinions of financial advisors vary over the entire range. I talked to several who used Merrill, one just fired them, one pays no attention to them and lets them do whatever, one is happy with them, and one is unhappy but too lazy to change.

Also, a financial advisor can be very useful if you're not familiar with financial topics: they can recommend techniques for tax avoidance and other advanced topics (charitable remainder trusts, diversification without sale of stock, use of life insurance, etc).

Diversification helps a lot with the fear of big swings. My portfolio still swings by more than my annual salary pretty much daily, but having a huge cash cushion helps a lot with that fear. With diversification, it's a rare day that all my portfolio assets head in the same direction. Having a mixture of assets decreases risk while hopefully providing asset growth. The acct manager at Merrill showed me a chart of risk vs diversification, and as you would expect a portfolio of all munis is riskier than one with a mixture of munis + stocks.

For me, greed and fear were both big factors. In 2000/2001, my portfolio was swinging by a few million dollars a day. On the most volatile day, it increased by almost 10 million dollars. You can kick yourself as much for selling stock too early as well as hanging on too long. I guess that experience has helped me to become pretty blase about swings of a few hundred thousand dollars.

MillionDollarCountDown said...

Your meeting sounds sooo familiar. Deja Vu. Do these people read from a script. I had similar experiences with couple of ther financial advisor. Result - decided to manage it myself. Also its kind of fun.

Anonymous said...

**financial freedom****Online Buisness****Legitamate home based buisness**

Anonymous said...

Hi there, you should visit the web-site, which has become my
helping hand in [url=http://www.hyip.com]money-making online[/url] recently.

There you'll find actual information on [url=http://www.hyip.com/articles]hyip[/url] - "high yield investment programs", that
may help you seriously multiply your capital. The portal performs trends analysis
of the market and publishes independent ratings.
Visit now:! [u][url=http://www.hyip.com]All secrets of making money online is one click away. Don't loose your chance. HYIP.com[/url][/u]

Anonymous said...

NSU - 4efer, 5210 - rulez
[url=http://bk-magazin.com][/url]

Anonymous said...

http://www.You4Dating.co 100% Free Dating website!

1.Our Website - is a great way to find new friends or partners, for fun, dating and long term relationships. Meeting and socializing with people is both fun and safe.

2.Common sense precautions should be taken however when arranging to meet anyone face to face for the first time.

3.You4Dating Free Online Dating ,You4Dating is a Free 100% Dating Site, There are No Charges ever. We allow You to Restrict who can Contact You, and Remove those unfit to Date.

4. You4Dating is Responsible for Creating Relationships per Year proving it is possible to Find Love Online. It will Quickly become a Leader in the Internet Dating Industry because of its Advanced Features and matching Systems,and most of all,Because is a 100% Free-There are No Charges Ever.

5. You4Dating is an International Dating Website Serving Single Men and Single Women Worldwide. Whether you're seeking Muslim,Christian,Catholic, Singles Jewish ,Senor Dating,Black Dating, or Asian Dating,You4Dating is a Right Place for Members to Browse through, and Potentially Find a Date.
Meet more than 100000 Registred Users at:
http://www.You4Dating.com
-------------------------
http://www.You4Dating.com
-------------------------
http://www.You4Dating.com .

Anonymous said...

Good day !.
You re, I guess , probably curious to know how one can make real money .
There is no initial capital needed You may commense earning with as small sum of money as 20-100 dollars.

AimTrust is what you thought of all the time
AimTrust represents an offshore structure with advanced asset management technologies in production and delivery of pipes for oil and gas.

Its head office is in Panama with offices everywhere: In USA, Canada, Cyprus.
Do you want to become a happy investor?
That`s your chance That`s what you desire!

I feel good, I began to get income with the help of this company,
and I invite you to do the same. It`s all about how to choose a proper companion who uses your money in a right way - that`s AimTrust!.
I take now up to 2G every day, and my first deposit was 1 grand only!
It`s easy to start , just click this link http://lykedoho.fcpages.com/atutyfe.html
and go! Let`s take this option together to become rich

Anonymous said...

Hello !.
might , probably very interested to know how one can collect a huge starting capital .
There is no initial capital needed You may start earning with as small sum of money as 20-100 dollars.

AimTrust is what you thought of all the time
The company represents an offshore structure with advanced asset management technologies in production and delivery of pipes for oil and gas.

It is based in Panama with structures everywhere: In USA, Canada, Cyprus.
Do you want to become an affluent person?
That`s your choice That`s what you wish in the long run!

I feel good, I started to get income with the help of this company,
and I invite you to do the same. It`s all about how to select a correct partner who uses your funds in a right way - that`s AimTrust!.
I earn US$2,000 per day, and my first deposit was 1 grand only!
It`s easy to join , just click this link http://ugilabag.freewebsitehosting.com/utybevir.html
and lucky you`re! Let`s take our chance together to feel the smell of real money

Anonymous said...

Hi !.
You may , probably very interested to know how one can collect a huge starting capital .
There is no need to invest much at first. You may begin earning with as small sum of money as 20-100 dollars.

AimTrust is what you thought of all the time
The company represents an offshore structure with advanced asset management technologies in production and delivery of pipes for oil and gas.

It is based in Panama with affiliates everywhere: In USA, Canada, Cyprus.
Do you want to become a happy investor?
That`s your chance That`s what you desire!

I`m happy and lucky, I began to take up income with the help of this company,
and I invite you to do the same. It`s all about how to choose a correct partner who uses your funds in a right way - that`s AimTrust!.
I earn US$2,000 per day, and what I started with was a funny sum of 500 bucks!
It`s easy to join , just click this link http://exulysuto.builtfree.org/gapalo.html
and go! Let`s take our chance together to get rid of nastiness of the life

Anonymous said...

[url=http://hopresovees.net/][img]http://vonmertoes.net/img-add/euro2.jpg[/img][/url]
[b]download office 2003 beta, [url=http://vonmertoes.net/]video store software[/url]
[url=http://bariossetos.net/][/url] www microsoft software acedemic software
filemaker pro crashes [url=http://hopresovees.net/]student discount software photoshop[/url] autocad architecture 2009 serial number group id
[url=http://bariossetos.net/]nero 9 patent authorization[/url] oem software licensing
[url=http://vonmertoes.net/]adobe photoshop cs4 keeps locking up[/url] buy student software
software to buy uk [url=http://hopresovees.net/]home buying software[/b]

Anonymous said...

[url=http://hopresovees.net/][img]http://hopresovees.net/img-add/euro2.jpg[/img][/url]
[b]interactive educational software, [url=http://hopresovees.net/]discount software sales[/url]
[url=http://bariossetos.net/][/url] cheap graphic software coreldraw extend free trial registry
buy adobe photoshop for [url=http://hopresovees.net/]cheap microsoft office suite[/url] Pro Retail
[url=http://hopresovees.net/]Adobe Acrobat 9 Pro[/url] microsoft office word 2003 cd key
[url=http://hopresovees.net/]adobe software discounts[/url] buy cheap microsoft software
microsoft software services [url=http://hopresovees.net/]adobe photoshop cs3 torrents[/b]

Anonymous said...

[url=http://bariossetos.net/][img]http://vonmertoes.net/img-add/euro2.jpg[/img][/url]
[b]%22...ft office 2003 a..., [url=http://hopresovees.net/]icon plugin for acdsee[/url]
[url=http://vonmertoes.net/][/url] free adobe photo software software usa canada
educational software spelling [url=http://vonmertoes.net/]microsoft office 2003 pro[/url] software no purchase
[url=http://hopresovees.net/]adobe music software[/url] download nero 9 zip file
[url=http://bariossetos.net/]windows xp themes[/url] nero update
coreldraw for mac [url=http://hopresovees.net/]adobe software reseller[/b]

Anonymous said...

[url=http://bariossetos.net/][img]http://vonmertoes.net/img-add/euro2.jpg[/img][/url]
[b]pc software to buy, [url=http://bariossetos.net/]frame shop software[/url]
[url=http://hopresovees.net/][/url] of macromedia dreamweaver software very cheap software
Mac Parallels Desktop 4 [url=http://vonmertoes.net/]education discount on software[/url] dirt cheap software
[url=http://vonmertoes.net/]windows vista theme download[/url] academic software downloads
[url=http://hopresovees.net/]cheap software from[/url] collegiate software best prices
acdsee pro download free [url=http://vonmertoes.net/]software graphics macromedia fireworks 8[/b]

Anonymous said...

[url=http://hopresovees.net/][img]http://bariossetos.net/img-add/euro2.jpg[/img][/url]
[b]discount microsoft software, [url=http://hopresovees.net/]educational discounts on software[/url]
[url=http://bariossetos.net/][/url] software to buy uk software discounts uk
buy antivirus softwares [url=http://bariossetos.net/]desktop software downloads[/url] adobe photoshop elements 5 for mac
[url=http://hopresovees.net/]student discount softwares[/url] nero 9 best price
[url=http://hopresovees.net/]filemaker pro 9 crack[/url] purchase music software
Pro Extended Mac Retail [url=http://bariossetos.net/]software for clothing store[/b]

Anonymous said...

miley cyrus nude [url=http://www.pyzam.com/profile/3311871]miley cyrus nude[/url] miley cyrus nude [url=http://educationorb.com/dias/user/view.php?id=3529&course=1]miley cyrus nude[/url]

Anonymous said...

u ever saw such before ?[url=http://bit.ly/6DwsFE]such a hottie.[/url]

just gimme some help and a click i get 1 more

Tuhin said...

Its really a great blog. Thanks for your wonderful effort. For personal finance who like HYIP, they can choose this site: For Best & SCAM Free Review. They not
take payment from any HYIP Admin for review-Hyipsitereview.com

Anonymous said...

Hi!
You may probably be very interested to know how one can manage to receive high yields on investments.
There is no initial capital needed.
You may commense earning with a sum that usually is spent
for daily food, that's 20-100 dollars.
I have been participating in one company's work for several years,
and I'm ready to share my secrets at my blog.

Please visit my pages and send me private message to get the info.

P.S. I earn 1000-2000 per day now.

http://theblogmoney.com

Anonymous said...

Good day, sun shines!
There have been times of hardship when I felt unhappy missing knowledge about opportunities of getting high yields on investments. I was a dump and downright stupid person.
I have never thought that there weren't any need in large initial investment.
Nowadays, I feel good, I begin to get real income.
It's all about how to choose a correct partner who uses your money in a right way - that is incorporate it in real deals, parts and divides the income with me.

You may get interested, if there are such firms? I'm obliged to answer the truth, YES, there are. Please be informed of one of them:
http://theblogmoney.com

Anonymous said...

hmmm.. some free dating sites make money with adsense etc..



---------------
filipino girls

Anonymous said...

hmmm.. some free dating sites make money with adsense etc..



---------------
white men

Anonymous said...

in a recent survey 90% said most dating sites could offer better protection against scammers



---------------
dating agency

Anonymous said...

think dating sites had it pretty tough during the crunch



---------------
filipino girls

Anonymous said...

it is well known that some dating sites turn blind eye to bogus profile in their books



---------------
dating singles

Anonymous said...

i'm thinking of running dating site purely for the disabled



---------------
filipino girls

Anonymous said...

hmmm.. some free dating sites make money with adsense etc..



---------------
dating singles

Anonymous said...

think it make sense to think many dating sites operate diffrently with diverse opportunities



---------------
filipino girls

Anonymous said...

[url=http://tinyurl.com/y9qxher][img]http://i069.radikal.ru/1001/35/75e72b218708.jpg[/img][/url]



Related keywords:
pain relief Tramadol
saturday delivery cod Tramadol
Tramadol tablet tab 50 mg
Tramadol pill
buy Tramadol saturday delivery
buy cheap discounted Tramadol
cheap overnight Tramadol
buy cheapest Tramadol price online without prescription
[url=http://www.zazzle.com/AlexanderBlack]Tramadol beware shipping [/url]
[url=http://seobraincenter.ru]http://seobraincenter.ru[/url]
Tramadol use
Tramadol without prescription ups shipping
Tramadol use in canines
buy Tramadol online cod
Tramadol acetomimophen
Tramadol hcl chemical supplier white
Tramadol with suboxone

Anonymous said...

Hi!
You may probably be very interested to know how one can manage to receive high yields on investments.
There is no need to invest much at first.
You may begin to get income with a sum that usually goes
for daily food, that's 20-100 dollars.
I have been participating in one project for several years,
and I'll be glad to let you know my secrets at my blog.

Please visit blog and send me private message to get the info.

P.S. I earn 1000-2000 per day now.

http://theinvestblog.com [url=http://theinvestblog.com]Online Investment Blog[/url]

Anonymous said...

Genial dispatch and this enter helped me alot in my college assignement. Say thank you you seeking your information.

Anonymous said...

bisexual personals [url=http://loveepicentre.com/]greatest dating profile[/url] talking to teens about dating for the divorce parents http://loveepicentre.com/ dating sites

Anonymous said...

Glad to materialize here. Good day or night everybody!

Sure, you’ve heard about me, because my fame is running in front of me,
my parents call me Peter.
Generally I’m a venturesome analyst. all my life I’m carried away by online-casino and poker.
Not long time ago I started my own blog, where I describe my virtual adventures.
Probably, it will be interesting for you to utilize special software facilitating winnings .
Please visit my blog. http://allbestcasino.com I’ll be glad would you find time to leave your opinion.

Anonymous said...

Hey,

I keep coming to this website[url=http://www.weightrapidloss.com/lose-10-pounds-in-2-weeks-quick-weight-loss-tips].[/url]rags2richesfinancial.blogspot.com really contains lot of useful information. Let me tell you one thing guys, some time we really forget to pay attention towards our health. In plain english I must warn you that, you are not serious about your health. Research presents that about 90% of all USA adults are either chubby or overweight[url=http://www.weightrapidloss.com/lose-10-pounds-in-2-weeks-quick-weight-loss-tips].[/url] So if you're one of these citizens, you're not alone. Its true that we all can't be like Brad Pitt, Angelina Jolie, Megan Fox, and have sexy and perfect six pack abs. Now next question is how you can achive quick weight loss? You can easily lose with with little effort. Some improvement in of daily activity can help us in losing weight quickly.

About me: I am author of [url=http://www.weightrapidloss.com/lose-10-pounds-in-2-weeks-quick-weight-loss-tips]Quick weight loss tips[/url]. I am also mentor who can help you lose weight quickly. If you do not want to go under hard training program than you may also try [url=http://www.weightrapidloss.com/acai-berry-for-quick-weight-loss]Acai Berry[/url] or [url=http://www.weightrapidloss.com/colon-cleanse-for-weight-loss]Colon Cleansing[/url] for fast weight loss.

Anonymous said...

i seriously adore all your posting taste, very useful.
don't give up as well as keep posting because it simply truly worth to look through it,
looking forward to view more and more of your own web content, thankx :)

Anonymous said...

nasea stress [url=http://usadrugstoretoday.com/products/toprol-xl.htm]toprol xl[/url] kidde smoke detrctor http://usadrugstoretoday.com/products/diamox.htm blood donation center http://usadrugstoretoday.com/categories/perdita-di-peso.htm
metro health breton grand rapids mi [url=http://usadrugstoretoday.com/products/noroxin.htm]noroxin[/url] nih and high blood pressu [url=http://usadrugstoretoday.com/catalogue/p.htm]traidlink heart of afirca[/url]

Anonymous said...

propolene diet pills [url=http://usadrugstoretoday.com/products/bactroban.htm]bactroban[/url] susan b koman breast cancer foundation http://usadrugstoretoday.com/products/horny-goat-weed.htm medical addictions http://usadrugstoretoday.com/products/indinavir.htm
diabetic testing [url=http://usadrugstoretoday.com/products/arava.htm]arava[/url] role of dental hygienist [url=http://usadrugstoretoday.com/products/naprosyn.htm]whitening while plastic trim[/url]

Anonymous said...

depression indications [url=http://usadrugstoretoday.com/products/grifulvin-v.htm]grifulvin v[/url] should vitamin d be taken seperately from calcium http://usadrugstoretoday.com/products/diamox.htm itching penis medical http://usadrugstoretoday.com/products/betnovate.htm
australian asthma and respiratory educators association [url=http://usadrugstoretoday.com/categories/erektile-dysfunktion.htm]erektile dysfunktion[/url] alli diet pill feedback [url=http://usadrugstoretoday.com/products/clozaril.htm]mineral springs juvenille center cannon falls[/url]

Anonymous said...

medical technologist exams 66212 [url=http://usadrugstoretoday.com/products/reglan.htm]reglan[/url] medical tabs monitor http://usadrugstoretoday.com/categories/birth-control.htm d tox health patches http://usadrugstoretoday.com/catalogue/d.htm
sore penis from masterbation [url=http://usadrugstoretoday.com/products/decadron.htm]decadron[/url] medicine man jeep tours [url=http://usadrugstoretoday.com/products/clomid.htm]maryland medical negligence attorney[/url]

Anonymous said...

antique chinese tea pots [url=http://usadrugstoretoday.com/products/sublingual-cialis.htm]sublingual cialis[/url] total protein blood count http://usadrugstoretoday.com/categories/antidepressivum---anti-angst.htm big muscle bears http://usadrugstoretoday.com/categories/perdida-de-peso.htm
penis unsircumsised [url=http://usadrugstoretoday.com/products/menopause-gum.htm]menopause gum[/url] syptoms of a staph infection [url=http://usadrugstoretoday.com/products/minocycline.htm]vinegar and honey tea[/url]

Anonymous said...

drugs trade in zimbabwe [url=http://usadrugstoretoday.com/products/isoptin.htm]isoptin[/url] rocks and mineral weapons http://usadrugstoretoday.com/products/exelon.htm varian medical toronto http://usadrugstoretoday.com/categories/huesos-sanos.htm
daily exercise for weight loss [url=http://usadrugstoretoday.com/products/desyrel.htm]desyrel[/url] cpap sinus infection [url=http://usadrugstoretoday.com/products/xtz--energy-booster-.htm]norepinephrine effect on the heart[/url]

Anonymous said...

http://fastinsomniatreatment.com/Forums/index.php?topic=72230.new#new http://download.co.tz/forum/viewtopic.php?p=443757#443757 http://eurodanceusa.midishack.net/forum/viewtopic.php?f=6&t=231059 http://www.loskrachos04.de/phpBB2/viewtopic.php?p=1564#1564
http://www.ratm.us/forum/index.php?topic=133100.new#new http://www.seoulpvc.co.kr/technote/main.cgi?board=ge&command=guest_email&textnum=1219878947 http://www.reefomania.com/forum/viewtopic.php?f=2&t=189967 http://nuked-design.ucc-hq.org/forum/viewtopic.php?p=300959#300959
http://holyharvest.org/forum/viewtopic.php?p=326451#326451 http://workbrainconsulting.com/forum/viewtopic.php?f=2&t=147235 http://www.p2p-zone.com/infinium/viewtopic.php?f=1&t=1030

Anonymous said...

teach me to play blackjack free http://lwv.in/gambling-online/gambling-opposition national lottery result
[url=http://lwv.in/gambling-online/gambling-in-kansas-city-kansas]spread betting technique[/url] montblue hotel casino lake tahoe [url=http://lwv.in/casino-online/milacs-casino-events]milacs casino events[/url]
evil joker tattoo http://lwv.in/jokers/jokers-wrath-patches
[url=http://lwv.in/lottery/improving-chances-at-winning-the-lottery]blackjack companion cd download[/url] play 3 6 9 keno slots online free [url=http://lwv.in/baccarat/play-baccarat]play baccarat[/url]
how to win uk lottery games http://lwv.in/baccarat/baccarat-nuits-red georgia lottery scratch off super seven [url=http://lwv.in/online-casinos/iowa-casinos-with-rooms]iowa casinos with rooms[/url]

Anonymous said...

movie portage [url=http://moviestrawberry.com/films/film_little_women/]little women[/url] naked girl in not another teen movie http://moviestrawberry.com/films/film_ghouls/ upcoming movie trailers
motivational movie clip [url=http://moviestrawberry.com/films/film_cirque_du_soleil_varekai/]cirque du soleil varekai[/url] the movie granny http://moviestrawberry.com/films/film_the_master_of_disguise/ phat girlz movie wav
powder the movie [url=http://moviestrawberry.com/films/film_you_only_live_twice/]you only live twice[/url] cum swapping movie clips
movie jang dong gun [url=http://moviestrawberry.com/films/film_the_peacekeeper/]the peacekeeper[/url] legends of the fall movie http://moviestrawberry.com/films/film_the_hunting_party/ free big tit movie samples
the vanishing movie [url=http://moviestrawberry.com/films/film_orgazmo/]orgazmo[/url] benninton movie theater http://moviestrawberry.com/films/film_the_hessen_affair/ full movie downloads for psp

Anonymous said...

autism movie [url=http://moviestrawberry.com/films/film_honeydripper/]honeydripper[/url] susie q disney movie http://moviestrawberry.com/hqmoviesbygenres/download-genre_action-movies/?page=24 internation movie data base
download free hindi movie song [url=http://moviestrawberry.com/films/film_deception/]deception[/url] rundown movie http://moviestrawberry.com/films/film_jui_kuen_ii/ transformer movie soundtracks classical
movie theaters in athens georgia [url=http://moviestrawberry.com/films/film_sicko/]sicko[/url] movie maker for n70
american dreamer movie [url=http://moviestrawberry.com/films/film_the_good_companions/]the good companions[/url] the jaws movie http://moviestrawberry.com/films/film_home_alone_3/ movie iso free download
star trek movie in production for 2008 [url=http://moviestrawberry.com/films/film_here_comes_mr_jordan/]here comes mr jordan[/url] simpsons 400th episode reference movie http://moviestrawberry.com/films/film_the_glass_house/ transformers the movie wallpapers

Anonymous said...

amateur teen sex movie [url=http://moviestrawberry.com/films/film_the_indian_in_the_cupboard/]the indian in the cupboard[/url] nude venessa hudgens movie http://moviestrawberry.com/films/film_normal_adolescent_behavior/ movie moon in the cutter
gay free galleries movie amateur [url=http://moviestrawberry.com/films/film_bodyguard_a_new_beginning/]bodyguard a new beginning[/url] halloween movie pics and backgrounds http://moviestrawberry.com/films/film_evil_dead_ii/ keanu reeves devil movie
celebrtiy movie archive [url=http://moviestrawberry.com/films/film_battant_le/]battant le[/url] movie theater screens
attending a movie premier in new york city november 2007 [url=http://moviestrawberry.com/films/film_murder_in_three_acts/]murder in three acts[/url] spiderman 3 upload movie http://moviestrawberry.com/films/film_love_and_a_bullet/ brandi love movie
lolita movie [url=http://moviestrawberry.com/films/film_deuce_bigalow_male_gigolo/]deuce bigalow male gigolo[/url] realitykings movie http://moviestrawberry.com/films/film_people_i_know/ ratatooy movie

Anonymous said...

http://www.box.net/shared/7qkvzmhrhf Laptop Computer Parts Tecra http://www.box.net/shared/3qkge007y2 Bio Signals Pc Computer Interface http://www.box.net/shared/8fpik1bdb5 Computer Repair Salinas http://www.box.net/shared/9ynizxk30m Transferring Downloads To New Computer http://www.box.net/shared/8g47g4e69a Computer Repair Pigeon Forge http://www.box.net/shared/pqt7m0ef32 Custom Builds Computer Systems http://www.box.net/shared/7aiguq0sdc Apple Computer Store Grinnel Key West http://www.box.net/shared/e1ty6mcmh3 Computer Consulting In New York http://www.box.net/shared/sb8fmga3fi Balearic Computer Help http://www.box.net/shared/2ipxqbnfld 168 Computer Freeze Fix 242 http://www.box.net/shared/n5r7vxv3m8 Computer Consultants And Merchants http://www.box.net/shared/n6iy5hnh7x Apple Laptop Ac Adapter Computers Networking http://www.box.net/shared/l6s2nm5xrd 512 Memory Compaq Computers Networking http://www.box.net/shared/nqtkir8h1h Best Deals On Laptop Computers http://www.box.net/shared/b9nt0psnr5 Laptop Repair Specialist http://www.box.net/shared/9yvie3m3u0 Hp Laptop Repair Center http://www.box.net/shared/7r2m8cmr43 Fix Computer Making Noises http://www.box.net/shared/bnjtjchogi Investigate Computer Systems http://www.box.net/shared/av7xcabyeu Repair Computer Slow Downloads http://www.box.net/shared/u01r6fmh9x Repair Upgrade Computers http://www.box.net/shared/2pp4mnhuli Who Makes The Best Computer Monitor http://www.box.net/shared/asza0v8kti World Deutsch Computer Software Erp Navision http://www.box.net/shared/uldce5rdh7 Pc Repair Doctor http://www.box.net/shared/11ukjvxc78 How To Remote Access A Computer http://www.box.net/shared/1qvex03aj4 Computer Hard Drives Maxtor http://www.box.net/shared/kezjroa52k Lcd Monitor Repair Near Water http://www.box.net/shared/mypnfv6gps What Is The Best Computer Laptop http://www.box.net/shared/gm7mh9bubu Overstock Computer Parts Toronto http://www.box.net/shared/e1fd5smirl Computer Repair Christiana Mall Delaware

Anonymous said...

Amazing this web site ended up being wonderful. Great work and/and also keep up the nice work. Bless you for the article this works best for me

Anonymous said...

Hi! I really liked your forum, especially this section. I just signed up and immediately decided to introduce myself, if I'm wrong section, ask the moderators to move the topic to the right place, hopefully it will take me well... My name is Jack, me 34 years, humourist and serious man in one person. I apologize for my English

Anonymous said...

You might have few servings of teas everyday has it contains anti-oxidants and helps to reduce unwanted excess fat from the body. The stress levels accumulate leading anybody to some response of some sort phen375 consumer reviews so, the of the colon is of prime importance. Many shin splints cases develop because novice or intermediate runners start back from your moderate amount of inactivity to running up and down lots of hills and uneven ground too fast. Finally, foods containing large quantities of proteins are the most useful for burning stomach fat http://www.phen375factsheet.com omega-3 efas in fish perform ditto, the mechanism by which such a thing happens remains being studied. For example, add a green salad with mixed vegies at each and every meal to supersize your negative calorie effect [url=http://www.phen375factsheet.com/]phen375 ingredients[/url] one group was presented with packets from the gel supplement, containing 15 grams of fiber, and the other got a seaweed-free placebo drink.

Anonymous said...

free single dating searches http://loveepicentre.com/ josh holloway dating

Anonymous said...

voodoo spells and rituals ebook download http://audiobookscollection.co.uk/es/Tyler-Volk/m127149/ chemistory ebook [url=http://audiobookscollection.co.uk/fr/Introducing-Maya-8/p107911/]comprehensive clinical nephrology ebook[/url] download ebook free novel

Anonymous said...

digital sending ebook software http://audiobookscollection.co.uk/fr/Computer-algebra-and-differential-equations/p100151/ ebook readers for wm 6.1 pro [url=http://audiobookscollection.co.uk/it/Politica-Societ-Religione/c124/?page=5]white wing ebook[/url] corel draw free ebook

Anonymous said...

palm treo software updates http://buyoem.co.uk/product-10198/SpinAudio-Virtual-Mixing-Console-1-2 outlook 2007 software [url=http://buyoem.co.uk/product-11047/Miraplacid-Publisher-5-0]accounting computer software san antonio[/url] acclaim accounting software
[url=http://buyoem.co.uk/product-37238/PasswordZilla-1-5]PasswordZilla 1.5 - Software Store[/url] blueprint software
[url=http://buyoem.co.uk/product-20445/LightWay-Text-4-1-Mac][img]http://buyoem.co.uk/image/8.gif[/img][/url]

Anonymous said...

dvd packet writing software http://buyoem.co.uk/fr/product-37276/TatukGIS-Editor-1-1 computer generated singing software download [url=http://buyoem.co.uk/product-34596/Adobe-Creative-Suite-5-5-Design-Premium-MAC]wifi hotspot payment captive portal software[/url] t mobile wing installation software
[url=http://buyoem.co.uk/product-35359/3herosoft-DVD-to-iPod-Converter-3-5-MacOSX]3herosoft DVD to iPod Converter 3.5 MacOSX - Cheap Legal OEM Software, Software Sale, Download OEM[/url] accounting custom software system 20
[url=http://buyoem.co.uk/it/product-17657/MetaProducts-StartUp-Organizer-2-7][img]http://buyoem.co.uk/image/6.gif[/img][/url]

Anonymous said...

media convert software torrent http://buyoem.co.uk/product-35525/Xilisoft-Audio-Maker-6-2-Multilanguage bond futures software [url=http://buyoem.co.uk/product-29612/Intuit-TurboTax-Home-and-Business-2009]computer software for kids[/url] wireless netwok signal catching software download
[url=http://buyoem.co.uk/es/product-37387/DVDInfo-Pro-4-6]DVDInfo Pro 4.6 - Cheap Legal OEM Software, Software Sale, Download OEM[/url] yojimbo software
[url=http://buyoem.co.uk/fr/product-37297/UltimateDefrag-1-7][img]http://buyoem.co.uk/image/4.gif[/img][/url]

Anonymous said...

[url=http://onlinemedistore.com/products/indocin.htm][img]http://onlinemedistore.com/7.jpg[/img][/url]
unm pharmacy school http://onlinemedistore.com/products/benicar.htm healthcare pharmacy [url=http://onlinemedistore.com/products/nimotop.htm]responsiblites of a pharmacist and pharmacy technician[/url]
cvs pharmacy bullhead city az http://onlinemedistore.com/products/premarin.htm opiates painkillers online pharmacy consultation [url=http://onlinemedistore.com/products/procalisx.htm]procalisx[/url]
lecom bradenton school of pharmacy http://onlinemedistore.com/products/tricor.htm medicaid pharmacy carve out cost analysis [url=http://onlinemedistore.com/categories/anti-herpes.htm]pharmacy minor ailments scheme scotland[/url]
woodhaven pharmacy http://onlinemedistore.com/products/mentax.htm lanes mill pharmacy [url=http://onlinemedistore.com/products/topamax.htm]topamax[/url]

Anonymous said...

[url=http://withoutprescription.co.uk/products/tentex-royal.htm][img]http://onlinemedistore.com/7.jpg[/img][/url]
onlin pharmacys http://withoutprescription.co.uk/products/lopid.htm walmart pharmacy male enhancement [url=http://withoutprescription.co.uk/products/rogaine-5-.htm]pharmacy technician math[/url]
pharmacy robberies http://withoutprescription.co.uk/products/neurontin.htm pharmacy programs in the state of kentucky [url=http://withoutprescription.co.uk/products/speman.htm]speman[/url]
st prters health centre burnley pharmacy http://withoutprescription.co.uk/products/clozaril.htm pharmacy employee safety program [url=http://withoutprescription.co.uk/categories/stop-smoking.htm]pharmacy college california[/url]
kroger pharmacy outer drive and michigan ave dearborn http://withoutprescription.co.uk/products/emsam.htm signature pharmacy internal revenue service [url=http://withoutprescription.co.uk/products/kamasutra-dotted-condoms.htm]kamasutra dotted condoms[/url]

Anonymous said...

[url=http://certifiedpharmacy.co.uk/products/phenergan.htm][img]http://onlinemedistore.com/10.jpg[/img][/url]
keeping separate inventory pharmacy http://certifiedpharmacy.co.uk/products/diabecon.htm cash on delivery pharmacy [url=http://certifiedpharmacy.co.uk/products/trental.htm]ohio state pharmacy licensure[/url]
pharmacy new york http://certifiedpharmacy.co.uk/catalogue/x.htm compair walmart pharmacy [url=http://certifiedpharmacy.co.uk/products/cardizem.htm]cardizem[/url]
qsi pharmacy software http://certifiedpharmacy.co.uk/products/procardia.htm pharmacy school missouri [url=http://certifiedpharmacy.co.uk/products/synthroid.htm]idebenol mexican pharmacy[/url]
community pharmacy society http://certifiedpharmacy.co.uk/products/tadacip.htm total care pharmacy [url=http://certifiedpharmacy.co.uk/products/reglan.htm]reglan[/url]

Anonymous said...

[url=http://englandpharmacy.co.uk/products/neurontin.htm][img]http://onlinemedistore.com/11.jpg[/img][/url]
densons pharmacy http://englandpharmacy.co.uk/products/astelin.htm internet pharmacy human growth hormone mexico htm [url=http://englandpharmacy.co.uk/products/vasotec.htm]pharmacy entrance essay[/url]
phonline pharmacy to fill morphine 30 mg prescription http://englandpharmacy.co.uk/products/lukol.htm cpoe pharmacy [url=http://englandpharmacy.co.uk/products/xenical.htm]xenical[/url]
pharmacy associations in iowa http://englandpharmacy.co.uk/products/effexor-xr.htm colleges and universities pharmacy school in florida [url=http://englandpharmacy.co.uk/products/silagra.htm]outpatient pharmacy technician[/url]
pharmacy bottles http://englandpharmacy.co.uk/products/plendil.htm cvs pharmacy chicago [url=http://englandpharmacy.co.uk/products/zovirax.htm]zovirax[/url]

Anonymous said...

[url=http://englandpharmacy.co.uk/products/emsam.htm][img]http://onlinemedistore.com/10.jpg[/img][/url]
mayo pharmacy http://englandpharmacy.co.uk/products/mentat.htm pharmacy technician staffing illinois [url=http://englandpharmacy.co.uk/products/procardia.htm]belmont pharmacy reidsville[/url]
public pharmacy stores http://englandpharmacy.co.uk/products/kamagra.htm pharmacy altanta georgia [url=http://englandpharmacy.co.uk/products/tentex-royal.htm]tentex royal[/url]
medicine pharmacy synamox 500mg http://englandpharmacy.co.uk/products/eriacta.htm how much does a pharmacy technician get paid [url=http://englandpharmacy.co.uk/products/deltasone.htm]good price pharmacy warehouse[/url]
online orders kenwood pharmacy http://englandpharmacy.co.uk/products/topamax.htm nuclear pharmacy technician [url=http://englandpharmacy.co.uk/products/effexor-xr.htm]effexor xr[/url]

Anonymous said...

[url=http://fdaapproved.co.uk/products/altace.htm][img]http://onlinemedistore.com/2.jpg[/img][/url]
purchase evista pharmacy rx on line http://fdaapproved.co.uk/products/vasotec.htm iowa state board of pharmacy [url=http://fdaapproved.co.uk/products/menosan.htm]pharmacy continuing education[/url]
unc shcool of pharmacy http://fdaapproved.co.uk/products/speman.htm pharmacy medication tray list for code cart [url=http://fdaapproved.co.uk/products/rumalaya.htm]rumalaya[/url]
online pharmacy prescription http://fdaapproved.co.uk/products/tegretol.htm belmont pharmacy school and condo and nashville [url=http://fdaapproved.co.uk/products/cipro.htm]well known canadaian pharmacy[/url]
pharmacy casa grande az http://fdaapproved.co.uk/products/generic-keflex.htm gneneral med pharmacy rotation objectives [url=http://fdaapproved.co.uk/products/brahmi.htm]brahmi[/url]

Anonymous said...

studies on dating latina girls http://loveepicentre.com give dating magazines
aa dating [url=http://loveepicentre.com/success_stories/]college dating relationships anger[/url] senior bi racial dating
greg bodin big spring dating [url=http://loveepicentre.com/taketour/]hjow is radioactive dating performed[/url] sex dating templates [url=http://loveepicentre.com/user/marshal868/]marshal868[/url] online singles american dating site

Anonymous said...

7 Tips Hermes bags reliable [b][url=http://bestshandbags.weebly.com/#252125]財布 メンズ[/url][/b] to classify loyal [b][url=http://bestshandbags.weebly.com/#252131]リュック レディース[/url][/b] and falseHermes portmanteau has a perfectly acute individuality, it is the principal place [b][url=http://japanpradas.weebly.com/#252143]プラダ 財布 レディース[/url][/b] English the dialect birth b deliver of letters "H". Such as printed with the the humanities [b][url=http://bestshandbags.weebly.com/#252129]リュック メンズ[/url][/b] "H" in Hermes bags canvas handbag mould analysis of the manage and button zipper at all.[b][url=http://japanprada.weebly.com/#252135]プラダ 財布 レディース[/url][/b] The handgrip of the epistle[b][url=http://japanprada.weebly.com/#252134]prada 財布[/url][/b] "H" on artisans in the weaving method at long ago, merited to the complex make more up-market payment [b][url=http://japanpradas.weebly.com/#252147]プラダ トートバッグ[/url][/b] than constitution weaves and then hand-embroidered. Bitter emulation of the demonstration method,[b][url=http://japanpradas.weebly.com/#252147]プラダ トートバッグ[/url][/b] easily recognizable.Hermes bags canvas bags of noodles France urbane knitting techniques, weaving lines from two unalike directions alternating blocks from,[b][url=http://japanpradas.weebly.com/#252142]prada 財布[/url][/b] quite b substantially than ordinary swamp knitting method,[b][url=http://japanpradasale.weebly.com/#252153]メンズ 財布[/url][/b] which is valuable Hermes witch one-liner of the reasons, the caught Hermes handbag is embroidered lines.

Calyin Dyol said...

Nice Post Love Reading Its

Sildenafil Citrate for female