Shopping Cart
Your Cart is Empty
Quantity:
Subtotal
Taxes
Shipping
Total
There was an error with PayPalClick here to try again
CelebrateThank you for your business!You should be receiving an order confirmation from Paypal shortly.Exit Shopping Cart

geld is een middel, geen doel

Blog

Blog

Uitkomst uit het debat met Arno Dolders

Posted on March 13, 2014 at 4:50 AM

Uit het debat met Arno Dolders (klik hier) naar aanleiding van zijn artikel in het Financieele Dagblad en mijn reactie in twee blogs zijn een paar interessante gezichtspunten naar voren gekomen.

 

In de eerste plaats is mijn vraag: “Welke financiële adviezen bedoelt Dolders?” helder in beeld gekomen.

 

Arno Dolders splitst deze tijdens het debat in drieën:

· Rondom wonen (hypotheek)

· Zekerheid (overlijdens- en arbeidsongeschiktheidsrisico)

· Oudedagsvoorziening.

 

Rondom wonen

 

Tijdens het debat zegt Dolders dat het door hem geschetste probleem (‘veel mensen ontberen het nodige financiële advies’;) daar nog wel mee valt. Op zichzelf accepteert de consument dat hij voor een hypotheekadvies moet betalen. Zij het dat deze vaak meegefinancierd kan worden. En dat is – aldus Dolders - vanaf 2018 een punt, omdat je vanaf dan niet meer dan 100% van de waarde van het huis gefinancierd kan worden. Dus niets extra’s. Dus ook de advieskosten niet. Maar op dit moment dus feitelijk geen probleem. Behalve dan dat banken het volgens Arno Dolders optisch goedkoper kunnen adviseren dan een onafhankelijk adviseur.

 

Mijn opvatting daarover is: de consument wil in wezen geen hypotheek. Hij wil een huis. Heeft daarvoor doorgaans niet genoeg geld en went zich tot partijen die hem daaraan kunnen helpen. Als hij van een ‘onafhankelijk adviseur’ te horen krijgt dat deze hem een hypotheek kan leveren voor een prijs tussen € 1.700 en € 2.400 en de bank stelt dat hij deze daar kan krijgen voor € 800 dan lijkt het vrij logisch dat een consument kiest voor die van de bank. Maar…..het betekent dat hij de toegevoegde waarde van de onafhankelijk adviseur (die namelijk met de consument mee denkt, hem helpt kiezen en voor hem de markt afstruint om hem een zo optimaal mogelijke hypotheek te leveren) én ‘de bediening door de bank’ (=hypotheekverkoop) niet voldoende voor ogen heeft. Een onafhankelijk adviseur is – als het goed is – iets volstrekt anders dan een bank of een verzekeraar. Maar als de consument dat niet ziet, aan wie ligt dat dan?

 

Zekerheid

 

In het debat spitst Arno Dolders dit toe op het risico van overlijden en arbeidsongeschiktheid. Dolders ziet met name in eigen huis dat er in 2013 een terugloop is van 25% in de productie van overlijdensrisicoverzekeringen. Ik ben het met hem eens dat het geen intrinsieke behoefte is van een consument om over deze risico’s na te denken. Maar moet je daarvoor de wet (weer) veranderen en dus weer een aantal mensen provisie gaan verlenen opdat zij (dan blijkbaar) de prikkel hebben om de consumenten te bewegen het risico in te zien en te verzekeren? Daarbij merkte Arno Dolders overigens na afloop van het debat nog op dat hij niet wil dat de adviseur van tevoren er van uit gaat dat er ook werkelijk een verzekering wordt gesloten. Dát zou moeten afhangen van de inventarisatie. Desgevraagd meldde Dolders dat de adviseur dan aan de consument vooraf bekend moet maken hoeveel dat ‘inventarisatie-/adviestraject’ zou moeten kosten en dat het de klant heel duidelijk zou moeten zijn dat - als het niet tot een verzekering zou komen (omdat het risico er niet zou zijn) - de klant de advieskosten direct zou moeten betalen. Dolders noemde tijdens het debat dat zo’n analyse ca € 300 zou moeten kosten. Ik vraag me af hoeveel consumenten (en zeker zij met een smalle portemonnee, waarvoor Dolders zegt op te komen) dat geld daarvoor over hebben. De vraag is ook of het zoveel moet kosten. Bij een gemiddeld huishouden zou toch al vrij snel boven tafel moeten kunnen komen óf en zo ja, wat het risico is. En als het risico er is al vrij snel een verzekering te sluiten moet zijn.

 

Bewustwording van het risico los je m.i. niet op door verkopende ‘adviseurs’ daartoe te bewegen. Veel meer zullen overheid, pensioenfondsen en het Verbond van Verzekeraars daarvoor campagnes moeten ontwikkelen. Daarbij is het overigens ook interessant eens te onderzoeken hoe groot de risico’s werkelijk zijn voor de consument én de maatschappij als geheel.

 

Oudedagsvoorziening

 

Arno Dolders wees er op dat pensioenrechten omlaag gaan. Maar zijn provisie gedreven adviseurs dan de weg om dat aan het volk bekend te maken? Hier ben ik het ook eens met Dolders dat de consument het weinig interesseert. Maar hoe komt dat? De consument blijkt volgens onderzoek niet verder te willen kijken dan tien jaar vooruit. EN hij ziet dat de huidige generatie senioren een (steeds toenemend) aanvullend pensioen heeft boven de AOW. En als hij zich er in verdiept merkt hij dat men het vanuit de financiële sector al ‘complex’ noemt als men het over ‘pensioen’ gaat hebben. Veel consumenten zijn al geholpen als ze een snelle globale indicatie kunnen krijgen van hoe de pensioenvlag ervoor staat. En dat kan al. Bijvoorbeeld de Pensioenschijf-van-vijf op de site van het Nibud of de tool “Straks: Pensioen” in AFAS Personal Plus. Maar ga geen (online) opties aanbieden, waar de consument meer dan zes gegevens moet gaan invullen. Dat blijkt in de praktijk alleen te werken voor freaks. Voor een snelle, hapklare brok informatie zullen pensioenfondsen, verzekeraars én vermogensbeheerders hun gegevens pijlsnel ter beschikking moeten stellen aan software leveranciers. Deze kunnen dan de consument laten zien: ‘het is jofel’, ‘het is maar zo-zo’ of ‘dit gaat niet goed’.

 

Intermediair-verzekeraar

 

Mijns inziens speelt er nog wat anders. Arno Dolders zegt in het debat dat als iemand zaken doet met een bank die bank het geld geeft (bij een hypotheek), het ‘opbouwproduct’ verzorgt én de verzekering sluit (via een dochter). Blijkbaar doet dan een maatschappij als Legal & General niet mee en dat doet zeer. Zeker als blijkt dat het intermediair de producten ook niet meer verkocht …eh… geadviseerd krijgt.

 

Meer intermediair-verzekeraars zullen dit probleem ondervinden. Maar vast houden, nee terug willen naar het via provisie beloonde intermediair lijkt mij niet de weg. M.i. moeten partijen als Legal & General (ook) de poorten openen voor consument die (al dan niet geholpen door een adviseur) besluiten om zich te verzekeren. Want dat wordt de toekomst. Een adviseur, een financiële praatpaal, een buddy die tegen zijn klant zegt hoe hij een verzekering af kan sluiten. En verder niet tussen consument en verzekeraar in zit. Maar naast de klant staat.


Categories: Financiele advisering, Consumentenbelangen

Post a Comment

Oops!

Oops, you forgot something.

Oops!

The words you entered did not match the given text. Please try again.

120 Comments

Reply kyrie 7
10:20 AM on January 17, 2022 
I am just writing to make you know what a superb experience my wife's princess went through reading your web page. She noticed such a lot of things, including what it's like to possess an excellent teaching character to have folks really easily learn various tricky topics. You actually did more than our expected results. Many thanks for supplying such useful, healthy, revealing and as well as unique thoughts on that topic to Jane.
kyrie 7 http://www.kyrie7.us
Reply golden goose outlet
10:19 AM on January 17, 2022 
A lot of thanks for each of your work on this web site. My mum delights in making time for investigation and it's easy to see why. I hear all concerning the lively medium you offer sensible secrets on your blog and as well as strongly encourage response from some others on the content plus our simple princess is in fact learning a lot. Take advantage of the remaining portion of the year. You're the one carrying out a fabulous job.
golden goose outlet http://www.goldengoose-outlet.us.com
Reply nike x off white
12:37 PM on January 16, 2022 
I truly wanted to write down a simple comment to be able to express gratitude to you for all of the wonderful concepts you are sharing here. My particularly long internet lookup has finally been honored with high-quality details to write about with my companions. I would declare that we visitors are rather lucky to live in a decent community with many perfect people with insightful advice. I feel pretty lucky to have come across your entire webpage and look forward to really more brilliant times reading here. Thanks once again for everything.
nike x off white http://www.nikexoffwhite.com
Reply hermes
12:35 PM on January 16, 2022 
I must voice my passion for your generosity for those who absolutely need guidance on your topic. Your personal dedication to passing the solution all around had been unbelievably insightful and have without exception made others like me to reach their pursuits. Your entire warm and friendly advice entails so much to me and additionally to my office colleagues. Warm regards; from each one of us.
hermes http://www.hermesonlineshop.com
Reply glonept
1:24 AM on January 16, 2022 
glonept f91c64177c https://thezischpere1989.wixsite.com/tikaphedazz/post/la-mafia-ph
armaceutique-et-agroalimentaire-pdfl
https://singcipcotavanda.wixsite.com/furarosvi/post/schritte-inte
rnational-2-answer-32bit-registration-utorrent-professional-windo
ws-full-patch
https://rashaunromflo.wixsite.com/alorrattong/post/free-online-pl
ayer-rahasya-watch-online-2k-mkv-torrent-video
https://cellfergatiralid.wixsite.com/trinallobe/post/english-ving
lish-full-movie-download-worldfree4u-23
https://treesbelscodedapo.wixsite.com/cadoxyzsy/post/piku-movie-d
ownload-hd-1080p-kickass
https://mossbulijarbio.wixsite.com/orplopbullto/post/davinci-reso
lve-studio-license-dongle-crack-download
https://skyjidtemenmo.wixsite.com/ybpienore/post/mobi-foxit-edi-r
-2-18-ebook-rar-utorrent-full-version
https://boamanderomp1983.wixsite.com/neybagetop/post/sango-7-viet
-hoa-crack-zip-key-torrent
https://partloctuporsi.wixsite.com/votpurplectji/post/dappu-srinu
-ayyappa-telugu-mp3-songs-free-downloads
https://rasdidadingvali.wixsite.com/ferlindtega/post/procoder-3-f
ull-crack-mfcu
https://earnestecheverri13.wixsite.com/pienibavi/post/crack-activ
e-reports-7-95
https://mars7doepke.wixsite.com/turnsumpstonla/post/aio-vectric-a
spire-3-09-photovcarve-cut2d-cut3d-vcarve-pro-2-59-gb
https://popmoulunchmudweem.wixsite.com/batilive/post/emex-3-activ
ation-key-zip-adds-reifer-handwerk-blaetter-player-de-saugstube-s
chambehaarung
https://xocugo.wixsite.com/alracrecar/post/sas-enterprise-gui-tor
rent-32-latest-free
https://riacompbarspisnilo.wixsite.com/toidistcusjo/post/hack-egg
crack-2-0-minecraft-account-hacker
https://earivpascho1982.wixsite.com/eadreckisscur/post/kapoor-amp
-sons-movie-1-english-sub-torrent
https://paddcenmebepin.wixsite.com/presagmesur/post/gdo-karakedi-
dual-2k-dubbed-watch-online
https://newsretfoserlanan.wixsite.com/ortoygranof/post/activator-
warcraft-3-reign-of-chaos-the-frozen-throne-v-1-26a-32-zip-crack-
download
https://junesyphard7831shc.wixsite.com/loponcentber/post/boys-clu
b-matt-furie-pdf-free
https://rosabelstreb8182fi.wixsite.com/cerrierebo/post/torrent-bl
ock-survival-legend-of-the-lost-islands-64bit-pc-license-patch-fr
ee
https://treksoftphobaneni.wixsite.com/masniemitslea/post/ennu-nin
te-moi-rip-avi-1080p-hd-dts-film-subtitles
https://inenunmonca.wixsite.com/paylymahu/post/andy-mineo-heroes-
for-sale-2013-rar
https://parmeterphotnsub.wixsite.com/frovmawordhand/post/agisoft-
metashape-1-6-1-x-1-6-0-linux-utorrent-x64-registration-pro-macos
x
https://unmorie290xsm.wixsite.com/unlesvebaf/post/dekaron-core-ga
mes-reborn-server-client-money-hack
https://diakasunymam.wixsite.com/kingdeptcasi/post/epub-nitro-v7-
5-0-26-bit-full-version-ebook-zip
https://seofentasecha.wixsite.com/schelextabca/post/premium-c1-le
vel-coursebook-with-answers
https://ununalarlep.wixsite.com/riepitacu/post/actia-multi-diag-1
0-1-free-utorrent-software-pc-activator-32bit-patch
https://clittaceldabbfear.wixsite.com/hagedsini/post/autocom-2122
-keygen
https://dinglitacocor.wixsite.com/danecpucap/post/hindi-blu-ray-v
ideo-songs-1080p-hd-2014
https://salttricsendalato.wixsite.com/icsuenusit/post/book-thomps
on-and-thompson-genetics-in-medicine-8th-free-rar-torrent-pdf
Reply walber
12:36 AM on January 16, 2022 
walber f91c64177c https://wakelet.com/wake/z4Dr2Zy1o_QqnPNDmu48s
https://site-4234946-2526-3156.mystrikingly.com/blog/harsh-mohan-
textbook-of-pathology-6th-edition-pdf-headbangersfc
https://magerescha.mystrikingly.com/blog/gunslugs-rogue-tactics-f
ree-download-pc-game
https://trello.com/c/nhmL8s8K/4-rar-l-th-gay-porn-free-latest-lic
ense-windows-32-patch
https://seesaawiki.jp/rankacecbei/d/Teseo Naxos 21
https://pdfslide.us/law/chhote-sarkar-telugu-movie-download-hd.ht
ml
https://arcostosu.localinfo.jp/posts/24157907
https://wakelet.com/wake/lTBW-G0ejusMY8rAYUqrb
https://uploads.strikinglycdn.com/files/7fd04311-d5d5-4fef-8e38-1
04de0c0ba20/manual-spanish-download-solidworks-2013-pdf.pdf
https://blathorusnecel.wixsite.com/rusundfanning/post/ultimate-bi
rd-simulator-1-3-apk-mod-for-android
http://super-servers.com/wowonder/read-blog/959
https://www.pixnet.net/pcard/17746602d98294e3d1/article/a79ae3e0-
4f1a-11ec-99cb-1540904fa323
https://seesaawiki.jp/dilhalema/d/Full Version Broadcom Bcm 2836 Datasheet 53 Ebook Utorrent Mobi Zip [VERIFIED]
https://uploads.strikinglycdn.com/files/05669917-92ee-4bc3-b28d-e
dafa87bfba5/Multi-Ecu-Scan-35-101.pdf
https://trello.com/c/jexAKXeE/4-the-anomaly-full-movie-kickass-to
rrent
https://www.drupal.org/files/issues/2021-11-26/The-Veerappan-Hind
i-Dubbed-Movie-720p-Download.pdf
https://moenvasmergani.wixsite.com/spikcamtuphar/post/epson-print
er-reset-utility-tx300f-rar-pc-ultimate-full-version-nulled-key
https://dharesyloc.weebly.com/ek-ghar-movie-1080p-download-torren
t.html
https://quiculbulltewezo.wixsite.com/ciatabgamut/post/zip-herunte
rla-registration-full-version-pro-32bit
https://dokumen.tips/data-analytics/mercedes-c-klasse-w204-betrie
bsanleitung-pdf-download.html
https://togetherdx.com/upload/files/2021/11/T7YBr4ZkRCnvQJseXjW8_
27_7f3be21e6e906af3d902154fcfc002f2_file.pdf
https://trello.com/c/QJK2usto/8-wrong-torrents-720-dubbed-dts-dua
l-subtitles
https://uploads.strikinglycdn.com/files/12fc2f37-78f5-4b10-862d-a
5423a86d80a/Ivona-Tts-Ricardo-E-Vitoria-Crack-2013.pdf
https://ecankenrest.mystrikingly.com/blog/mechatronics-by-w-bol-6
4bit-keygen-pc-rar-registration-torrent
https://lockserpuhodgridgc.wixsite.com/chesbettpode/post/italian-
songs-asterix-il-g-32bit-download-zip-pro-pc
https://crystlepizzitola66.wixsite.com/pradatlutam/post/neelakash
am-pachakadal-chuvanna-bhoomi-2013-mala-gebrauchtwagenbewert
https://seesaawiki.jp/licopdibal/d/__FULL__ Mkv Cl1 Obszon 1080p Mkv Watch Online Dual X264
https://site-3837008-7522-6385.mystrikingly.com/blog/is-it-possib
le-to-recover-deleted-photos-from-samsung-galaxy-alpha
https://pdfslide.us/social-media/recforge-pro-audio-recorder-apk-
v215download.html
https://wakelet.com/wake/MEImvJ7aoARqVuMlCgCEL
Reply lanesaf
10:55 PM on January 15, 2022 
lanesaf f91c64177c https://www.homify.in/ideabooks/8488939/gli-eredi-di-king-kong-mo
vie-download-hd
http://lopchame.yolasite.com/resources/bokep-3gp-ibu-dan-kakek.pd
f
http://rynwiversi.webblogg.se/2021/november/jands-vista-1024-chan
nel-dongle-crackl.html
https://www.drupal.org/files/issues/2021-11-28/Delirium-Tome-1-Ep
ub-Bud.pdf
https://fdocuments.in/document/sony-products-multi-keygen-v26-key
gen-and-patch-di-atom-64-bit.html
https://assets.pinshape.com/uploads/image/file/424472/Vince-Bande
ros-Loren-Castingavi.pdf
https://wrankimpucon.therestaurant.jp/posts/24239613
https://wakelet.com/wake/64a1kcVo92cnIll-1b08t
https://wakelet.com/wake/Tc7oxVpBcpU20arFQ8dU5
https://pdfslide.net/data-analytics/bad-boys-public-schools-in-th
e-making-of-black-masculinity-law-meaning-and-violence-free-downl
o.html
https://s3.amazonaws.com/media.muckrack.com/portfolio/items/14882
618/Return-Of-Simba-Download-Link.pdf
https://raicabapu.mystrikingly.com/blog/jewelcad-5-1-software-ful
l-version
https://digorsiti.weebly.com/hidraulica-de-tuberias-juan-saldarri
aga-solucionario-pdf-234-extra-quality.html
https://unecupli.mystrikingly.com/blog/estelle-shine-full-version
-activation-rar-professional-windows
https://www.drupal.org/files/issues/2021-11-28/nobidore.pdf
https://assets.pinshape.com/uploads/image/file/424471/albypatri.p
df
https://www.cloudschool.org/activities/ahFzfmNsb3Vkc2Nob29sLWFwcH
I5CxIEVXNlchiAgIC__c6vCQwLEgZDb3Vyc2UYgICA_7mR7QkMCxIIQWN0aXZpdHk
YgIDAwIeutAkMogEQNTcyODg4NTg4Mjc0ODkyOA
https://assets.pinshape.com/uploads/image/file/424470/Wars-Of-Sei
gnior-Download-For-Pcl.html
https://kit.co/compcestese/windows-amateur-facials-ashley-alicia-
crack-free-file-license-32bit
https://coub.com/stories/1157711-tron-legacy-full-movie-online-fr
ee
https://assets.pinshape.com/uploads/image/file/424469/The-Black-6
-film-completo-in-italiano-download-gratuito-hd-1080p.html
https://uploads.strikinglycdn.com/files/20828ba8-0bce-4e33-813d-7
3e3e3673a22/HACK-SolidWorks-2015-SP3-X64--With-SN-And-Activator.p
df
https://www.cloudschool.org/activities/ahFzfmNsb3Vkc2Nob29sLWFwcH
I5CxIEVXNlchiAgID_2ZSHCAwLEgZDb3Vyc2UYgIDAwJaqxwsMCxIIQWN0aXZpdHk
YgICAn4T6vQgMogEQNTcyODg4NTg4Mjc0ODkyOA
https://document.onl/devices-hardware/the-hindustan-ki-kasam-down
load-dual-720p-watch-online-dubbed.html
https://cdn.thingiverse.com/assets/d1/ed/47/78/75/himatwala-2013-
film-songs-in-bossmobicom.html
http://suppberplesfu.webblogg.se/2021/november/traditional-bowyer
s-encyclopedia-the-complete-guide-to-bow-making-download-pdf.html

https://stallunering.diarynote.jp/202111281725352441/
https://assets.pinshape.com/uploads/image/file/424468/The-Grudge-
2-Full-Movie-In-Hindi-Free-Downloadl.html
http://pangmumocte.webblogg.se/2021/november/solid-state-physics-
by-so-pillaiepub.html
http://statfalpamer.webblogg.se/2021/november/dream-aquarium-crea
ture-pack-1-and-2-download-mega.html
Reply rechleo
8:24 PM on January 15, 2022 
rechleo f91c64177c http://telegra.ph/KingSim-Film-Dubbed-Avi-Watch-Online-11-26
http://ralreacharla.unblog.fr/2021/11/26/kung-fu-panda-full-movie
-mp4-23-portable/
https://cdn.thingiverse.com/assets/f6/ca/c3/df/b4/jarrhann24.html

https://sbrelo.com/upload/files/2021/11/f7iQ7U6VC6Xi5V11mXMF_26_c
b1adcef7b530a4fdb243d9596f10a12_file.pdf
https://gymimarac.weebly.com/the-watchmen.html
https://uploads.strikinglycdn.com/files/19c889cd-8908-45bd-b5c2-5
03d84727756/Pratigya-Sexy-Open-Photos.pdf
https://kit.co/revannuate/free-magyar-archicad-16-ingyen-le-regis
tration-32-cracked-utorrent-zip-pro
https://adwanasigh.mystrikingly.com/blog/ridgid-r4510-on-board-ex
tension-table-pdf
https://coub.com/stories/1146751-solutions-to-exploring-innovatio
n-david-smith-zip
http://adpreadiner.blogg.se/2021/november/wonderwareintouchlicens
ecrackdownload.html
https://sad-kepler-ff4c51.netlify.app/converter-pdf-ke-exel-free-
download-for-iphone
https://www.drupal.org/files/issues/2021-11-26/Bob-The-Builder-Ca
nDo-Carnival-Crack.pdf
https://coub.com/stories/1146752-carlyraejepsenkissalbumrar-1
https://kit.co/glibtosoma/projectzomboid-full-version-pc-registra
tion-download-latest-zip
https://uploads.strikinglycdn.com/files/8fd3abac-192f-4dfa-a380-4
9c282b7fec7/Ultra-RM-Converter-218-Serial-Crack.pdf
https://ecstatic-swartz-0d8080.netlify.app/Digimon-battle-spirit-
15-gba-download
https://s3.amazonaws.com/media.muckrack.com/portfolio/items/14900
870/Mastaani-Lost-In-A-Crowd-Of-Two-Telugu-Movie-Downl.pdf
https://cdn.thingiverse.com/assets/1e/04/36/c2/c3/darryfau762.htm
l
https://coub.com/stories/1146753-quicken-2015-for-mac
https://uploads.strikinglycdn.com/files/759ad8ab-6c23-4ae5-b812-2
a121441375d/Allen-carr-easyway-to-control-alcohol-pdf.pdf
https://trello.com/c/jtXVmPxb/14-download-ppt-pelestarian-lingkun
gan-hidupl
https://slotpietozhest.mystrikingly.com/blog/vamaa-thin-client-so
ftware-14
https://kit.co/sobihebyg/bluray-80s-pop-rock-volume-i-voice-bank-
yamaha-motif-xs-xf-dubbed-full-watch-online-movies
https://wakelet.com/wake/gYYIZi6kJhdCh7fX07971
http://ougenpromeb.blogg.se/2021/november/roni-loren-fall-into-yo
u-epub-files.html
https://seesaawiki.jp/loccpescommri/d/Font Hirakakupro W3 32bit Serial Activation Torrent Windows Extra Quality
https://compventota.localinfo.jp/posts/24112513
https://protected-cove-61794.herokuapp.com/Neat-Video-Sony-Vegas-
Crack.html
https://opfivella.therestaurant.jp/posts/24112514
https://cdn.thingiverse.com/assets/3e/43/79/a8/f3/cherpap85.html
Reply marott
6:45 PM on January 15, 2022 
marott f91c64177c https://www.pixnet.net/pcard/8008160208f386781e/article/d5dd6880-
526a-11ec-b4d1-2b4f9e5899d7
https://seesaawiki.jp/verlisuco/d/Download-Goodbye, Things The New Japanese Minimalism Fumio Sasa Zip
https://assets.pinshape.com/uploads/image/file/461313/Hecht-Optic
a-Solucionario-3-Edicion.html
http://procavopmer.unblog.fr/2021/12/01/t?l?charger-un-fichier-ch
tslvre-cbr-35121-mb-in-free-mode-turbobit-net-hot/
https://coub.com/stories/1301878-sorenson-squeeze-9-keygen
https://seesaawiki.jp/biovilroryt/d/Kpi Excel Template Xls
https://tupox8.wixsite.com/heihritsembres/post/animus-stand-alone
-apk-download
https://counbigesgui.chronicle.wiki/d/QUARKXPRESS V10 2 1 MULTI-XFORCE Full Version
https://www.cloudschool.org/activities/ahFzfmNsb3Vkc2Nob29sLWFwcH
I5CxIEVXNlchiAgMCguNWDCQwLEgZDb3Vyc2UYgIDAgP_NoggMCxIIQWN0aXZpdHk
YgICAn6u4yQoMogEQNTcyODg4NTg4Mjc0ODkyOA
https://wakelet.com/wake/0WuN7jGut_tMPULNsL7Oc
http://conskewatchfo.unblog.fr/2021/12/01/gigantes-de-acero-real-
steel-pelicula-completa-hot/
https://procuntengouva.wixsite.com/helpbarcesster/post/fantasia-m
odel-com
https://wakelet.com/wake/RVKQoQBxrU4j2qRTzOvV6
https://wakelet.com/wake/UWMukm3BsUFocmCt_TvXp
http://crysitichis.unblog.fr/2021/12/01/sqlways-6-0-keygen-free-f
ree/
http://telegra.ph/Harvey-Specter-Quotes-W-Professional-Free-Nulle
d-Iso-License-12-01
https://assets.pinshape.com/uploads/image/file/461312/Download-21
-animegymbackground-GymWithVolleyballNetbyCherryCateronDeviantArt
png.html
http://stananralamb.unblog.fr/2021/12/01/full-capitulo-2a-answers
-2a-1/
https://seesaawiki.jp/retlidogwoe/d/Any Free Noiseware For Mac
http://contdanversbal.unblog.fr/2021/12/01/gettysburg-books-pdf-f
ile/
http://telegra.ph/Watch-Online-Watch-Hum-Hain-Rahi-Pyar-Ke-Online
-1080-Torrents-Watch-Online-Mkv-Hd-12-01
http://caudergiodo.unblog.fr/2021/12/01/english-original-audio-tr
ack-13-hours-the-secret-soldiers-of-benghazi-2016-ac3-?-audio-tra
cks-for-movies/
https://www.pixnet.net/pcard/18503602378b5a3cf1/article/c688bb90-
526a-11ec-a164-9500ebd8045f
https://assets.pinshape.com/uploads/image/file/461311/Free-balacl
ava-knitting-pattern.html
http://telegra.ph/Ebook-Ritmos-Brasileiros-Marco-Pereira-14-Pdf-Z
ip-Full-Version-Torrent-12-01
https://wakelet.com/wake/awwlYMXlVAYOklEW2h5wh
http://telegra.ph/Download-21-Bohemiancomputerwallpaper-BohemianW
allpaperBohemianWallpaperIphoneBohemianStylejpg-12-01
https://seesaawiki.jp/quiclothtoetraz/d/Solo Serial License Exe 32 Free Pc File gardyhai
http://precinmusfi.unblog.fr/2021/12/01/download-appdn-joymap113-
zip-heawylen/
https://riasponeepim.weebly.com/newport-video-magazine-center--pe
ep-maps.html
Reply domrayl
5:54 PM on January 15, 2022 
domrayl f91c64177c https://neverbroke.club/read-blog/83773
https://sba-online.net/read-blog/1949
https://indonsagod.weebly.com/crackilyaefimovnylonguitarkontaktra
r.html
https://aqsatcake.mystrikingly.com/blog/corel-paintshop-photo-pro
-x3-keygen-11
https://www.kuettu.com/upload/files/2021/11/Sm6l9L4fGbmBOesVzDHV_
27_85c6e8e2919bfe99e6264dbffeb2b891_file.pdf
https://wakelet.com/wake/PNpJ9RJ9_QDkQv-R3wWKJ
https://trello.com/c/ClkRKmxH/21-rar-kon-auszug-buil-pro-serial-t
orrent-free-32bit-pc
https://raclazata.weebly.com/uploads/1/3/9/4/139435962/pagkikita-
ng-magama-full-movie-hd-download.pdf
https://wakelet.com/wake/-ixvS1mx1UYK-pJNCoQe2
https://chatyour.net/social/read-blog/14575
https://lifesspace.com/upload/files/2021/11/a95ZhqysZxPv49FAzyFr_
27_70bba3c41eee73cea11c4645f831cb29_file.pdf
https://dusroconcy.mystrikingly.com/blog/utorrent-ridoh-serial-wi
ndows-32
https://trello.com/c/NSj8KmC9/5-corina-a-ta-download-zippy-origin
al
https://wakelet.com/wake/r4LgV85RLC5TiYytNrINL
https://fandomers.com/site/upload/files/2021/11/wxidAz1qYPPkqyD6j
bWC_27_5886762ba8a47f6f9cd7a9755f4aadbb_file.pdf
https://gingdiramcang.weebly.com/uploads/1/3/9/3/139301315/free-k
awasaki-ts-650-pdf-repair-manuals.pdf
https://keninyaconnect.online/upload/files/2021/11/PABYHPzKwT6C6s
KLK1ga_27_5886762ba8a47f6f9cd7a9755f4aadbb_file.pdf
https://ridohoke.mystrikingly.com/blog/download-novel-namaku-hiro
ko-pdf-download
https://elycash.com/upload/files/2021/11/TDMCxSqHJ6YhQG5FbHEB_27_
e9e4e2d9c046d4c7704e9a8ef6261a8d_file.pdf
https://trello.com/c/e6C60e6J/5-spotify-for-mac-os-1039
https://wakelet.com/wake/Oem3tzUsTctX3KtX8k6dL
https://trello.com/c/UVoXLpnP/12-elegy-a-da-hocking-29-utorrent-r
ar-mobi-ebook-full-edition
https://cliqafriq.com/upload/files/2021/11/edwmAIvWLyVowpjvxm8N_2
7_eeabc47523490bf65ac745edb496401d_file.pdf
https://dilowjaina.mystrikingly.com/blog/rar-subscribe-file-64-cr
ack-torrent-pc-registration
https://laf4e.net/upload/files/2021/11/k4Gc9IIz2TOzq5TGIybr_27_c8
6cffe06c4b63a7a533aa75397bafc8_file.pdf
https://thegoodbook.network/read-blog/4237
https://tralfiworbo.mystrikingly.com/blog/borislav-pekic-vreme-cu
da-rar-ebook-free-torrent-epub
https://esalprospo.mystrikingly.com/blog/convertx-2-dvd-keygen-fo
r-mac
https://www.petslambook.com/upload/files/2021/11/iDguepWkbmaQs852
xEv9_27_7af3b4a32c866908823da6ac4fb6c390_file.pdf
https://wakelet.com/wake/U18Xivnzvf7e1a8kWar9z
Reply harcbul
5:05 PM on January 15, 2022 
harcbul f91c64177c https://trello.com/c/DS30TtPu/48-regina-spektor-begin-to-hope-zip
-best
https://trello.com/c/vez7r680/26-birthday-sex-song-jeremih-irecar
l
https://trello.com/c/OJxySDlV/25-sim-tower-for-pc-key-generator-j
akeerei
https://trello.com/c/Du6Qe28d/38-inventing-the-abbotts-1997-movie
-verified-download-link
https://trello.com/c/ewEPj4AM/32-autocad-architecture-2011-scaric
are-keygen-64-bits-it-patched
https://trello.com/c/8M13bQZr/29-bukusiapamenaburanginakanmenuaib
adaipdffree-new
https://trello.com/c/ZeSXCtTz/22-wall-street-raider-50-download-e
xclusive
https://trello.com/c/rP2vfl74/57-davinci-resolve-studio-143-patch
-crackzsoft-64-bit-krylaur
https://trello.com/c/vue1LRHE/23-upd-vikramarkudu-telugu-movie-di
alogues-download-yahoo
https://trello.com/c/CSnljD8B/37-top-crack-gta-iv-patch-1080-razo
r1911-1413
https://trello.com/c/cn6XSk1g/27-flashwizard-download-dm500s-new
https://trello.com/c/qOgJxOUY/26-office-2010-toolkit-and-ez-activ
ator-224-upd
https://trello.com/c/MSrZqmS1/26-link-naruto-to-boruto-shinobi-st
riker-activation-code-addons
https://trello.com/c/4uNEQMWR/44-work-chief-architect-premier-x5-
bonus-and-manufacturer-catalog-downloads
https://trello.com/c/O5d2Oczz/35-full-codigo-de-activacion-para-b
rainsbreaker-5-176
https://trello.com/c/V0Nkv3xf/62-logic-pro-x-windows-8-crack-torr
ent-full
https://trello.com/c/iGqSg1Wm/24-free-varisu-ramani-chandran-nove
ls-free-download-pdf
https://trello.com/c/tqLyZjsd/25-panchlait-part-2-full-movie-torr
ent-hot-download
https://trello.com/c/o3uluQC1/28-new-and-so-i-watch-you-from-afar
-all-hail-bright-futures-2013-flac
https://trello.com/c/0YEtjQP4/9-top-jilbab-oral-crot-di-mulut-ban
yak-avi
https://trello.com/c/lpWXmFAV/30-trailerparkmechanicdownload-hotf
orpc
https://trello.com/c/GC8ce0Tm/16-adobe-flash-cs4-portable-downloa
d-free-top
https://trello.com/c/fjRzaXeJ/27-lantiv-scheduling-studio-7-verif
ied-crack-full
https://trello.com/c/qwHHzauG/24-solveigmm-video-splitter-busines
s-edition-61180720-serial-64-bit-wyllrawle
https://trello.com/c/Jvtvdcw0/48-hinari-steam-generator-iron-user
-manual
https://trello.com/c/MzJ4FTAt/17-theproducerschoice-808warfare-wa
v-kontakt
https://trello.com/c/aA82Z0RN/15-tes-3600-power-analyzer-software
-download-exclusive-fix
https://trello.com/c/HcrG4tq0/13-dc-unlocker-client-cracked-full-
version-with-unikey-dll-upd
https://trello.com/c/8WaS1Fxp/68-wargame-red-dragon-nation-pack-i
srael-32-bit-work-crack
https://trello.com/c/8YuIJw6F/27-battle-royale-server-files-silkr
oad-best
Reply 100% real jordans for cheap
4:51 PM on January 15, 2022 
I wanted to compose you the little observation to finally thank you very much over again on the awesome guidelines you've shared in this case. It has been certainly surprisingly generous with people like you to provide publicly precisely what most people would've made available for an e book to help make some money for their own end, certainly seeing that you could possibly have done it in the event you desired. Those good ideas in addition acted like the good way to be aware that other people have a similar interest like mine to know very much more pertaining to this problem. I think there are numerous more pleasurable moments ahead for folks who look over your site.
100% real jordans for cheap http://www.jordansforcheap.us.com
Reply yeezy
4:50 PM on January 15, 2022 
I must show some appreciation to you just for rescuing me from such a challenge. Just after surfing around throughout the internet and obtaining techniques that were not powerful, I assumed my life was over. Living without the presence of answers to the difficulties you have resolved all through this short article is a crucial case, as well as those which may have badly damaged my career if I had not come across your web page. Your skills and kindness in controlling all the stuff was useful. I'm not sure what I would've done if I had not encountered such a step like this. I am able to now relish my future. Thanks for your time very much for this expert and result oriented help. I will not think twice to suggest your web blog to any individual who requires guidelines about this subject.
yeezy http://www.yeezy-700.com
Reply jordan retro
4:50 PM on January 15, 2022 
I definitely wanted to jot down a simple message so as to say thanks to you for some of the unique tricks you are placing on this site. My long internet search has now been paid with good strategies to go over with my pals. I would suppose that most of us readers are definitely fortunate to live in a useful website with so many outstanding individuals with insightful strategies. I feel extremely fortunate to have discovered your web pages and look forward to many more thrilling minutes reading here. Thank you again for all the details.
jordan retro http://www.jordan-retro.us.com
Reply supreme clothing
4:49 PM on January 15, 2022 
I must voice my love for your kind-heartedness supporting people who have the need for help with that theme. Your personal commitment to passing the solution up and down ended up being certainly beneficial and has constantly allowed men and women like me to reach their endeavors. Your entire helpful key points can mean so much to me and far more to my office colleagues. Many thanks; from everyone of us.
supreme clothing http://www.supremenewyork.us.com
Reply jordan shoes
4:49 PM on January 15, 2022 
Thanks so much for giving everyone remarkably splendid possiblity to check tips from this web site. It can be so pleasing and as well , jam-packed with a lot of fun for me and my office colleagues to visit your blog at least three times in one week to learn the fresh secrets you will have. Not to mention, we are always impressed for the fabulous techniques you give. Certain 2 tips on this page are absolutely the most impressive we have ever had.
jordan shoes http://www.jordan6.us.com
Reply jordan shoes
4:49 PM on January 15, 2022 
Thank you a lot for giving everyone an extraordinarily pleasant opportunity to check tips from this website. It's usually so good and also packed with amusement for me personally and my office friends to search your website really thrice every week to read the new issues you have. And definitely, I am just always fascinated concerning the astonishing strategies you give. Certain 4 points in this post are truly the finest we have had.
jordan shoes http://www.jordanshoes.us
Reply supreme outlet
4:48 PM on January 15, 2022 
Thank you for your whole labor on this website. Betty enjoys engaging in investigation and it's really simple to grasp why. We learn all about the powerful method you render very important steps by means of this web blog and therefore attract contribution from visitors on the issue while my princess has always been being taught a lot. Enjoy the remaining portion of the year. You are always doing a powerful job.
supreme outlet http://www.supreme.us.org