Shared-care insurance gains as option for couples

CHICAGO - It is the financial security that many in need in retirement, but few are willing or able to purchase. Long-term care insurance, most people are scared away because of the cost.
For married couples, an increasingly popular option known as "shared care" may be more feasible by providing extended coverage for less money than would otherwise have occurred.
These common policies couples to buy the combined pool benefits that can be used for either or both spouses.
Like most everything in the world long-term care insurance, it is complicated. However, what is obvious that the rapidly escalating cost of the combination a more attractive option. The new long-term care insurance will pay 30 percent to 50 percent over five years ago, according to the American Association for Long-Term Care Insurance.
"When I explain how it works and what you get, most people want to share a lot of care," said Brian Varian, long-term care insurance consultant insurance brokerage Marsh Inc., Woodland Hills, Calif. "It is very favorable for couples."
See shared care as an alternative to the broader context of change long-term care insurance:
Q: What long-term care insurance?
: It will pay for personal care home, assisted living facilities, adult day care or nursing homes. Benefits typically kick in when a person needs help to perform two or more basic activities of daily living such as bathing, dressing, eating, and transferred to a bed or chair and a toilet.
Question: Who needs it?
: Long-term care insurance is considered essential for those who can afford it, but can not afford to pay for years of future therapy. Health insurance and Medicare does not cover long-term care needs. And the financial burden is heavy for those who do not reach. Semi-private room Treatment room has to pay on average $ 76,285 a year, assisted living facility is $ 40,200 a year part-time home care typically ranges from $ 18,000 $ 25,000, according to the insurance association.
Q: What happens if you do not have it?
: If the savings do not cover the expenses, you may need to take chances with Medicaid, which covers nursing home for the elderly with low incomes and limited resources. In most states, Medicaid also pays for some long-term care services at home and in society. But choices about their care through Medicaid is limited. Persons entitled to Medicaid spend-down may mean assets first.
Q: How shared nursing care?
: Rather than buy a pool for the future benefit of either partner, the policies associated with the pool, they may each use. So, buy a three-year shared care policy to give each pair up to six years of benefits of each to buy a five-year policy to give them 10
If your spouse develops the need to increase long-term care, such as Alzheimer's or stroke, he could use most or all of the benefits. And if someone dies without any coverage, the full benefits of the surviving spouse usually moves.
Q: Does it cost?
: Shared care cost more than separate policies for the same benefit. But it can buy you a shorter, cheaper policy, knowing that eventually a higher combined benefits of the pool to read.
For example, two typical three-year joint policies carefully rider is going to cost about 14 per cent of 17 per cent more than the two separate three-year policy, according to Jesse Slome, director of the insurance association. But it can still be more cost-effective in the long term by ensuring that they can get up to six years of coverage, if necessary - twice the length of the policy.
Q: What is the typical total cost?
: Let's use the example of 55-year-old healthy couple who buy a fairly representative number of insurance for the current value of approximately $ 200,000 - or $ 180 per day benefit for three years for each future also cover the 3 percent compound increase in inflation. They pay an average annual premium of $ 1,950 within two standard policy without a common treatment, according to Slome.
Mounting the shared-care rider would push the cost of $ 2,260. But it could save them money and can get five or six years of coverage, if necessary - more than the length of the policy.
Couples over 60 or 65 will pay a lot more.
Q: Who is the best fit?
: Shared care is best suited to couples who can not afford lifetime coverage, but we want to be well-protected in the event of significant long-term care needs.
Eva Ng, 53, and her husband, Robert Blanda, 62, St. Paul, Minn., will be fully this year that will pay them $ 4,500 a year, equivalent to 10 years of combined benefits. They are paid an extra joint care as well as indexing it with a 5 percent compound inflation growth.
"We liked the idea that you can get double the amount of coverage of the shared care," says Ng. "If something happens, and we have to go to a nursing home, the greater the amount may cover more funds so that we do not have to give up our home.
Question: Why do not we heard a common concern for now?
: Long-term insurance companies contribute to the affordable alternative to the once popular lifetime coverage option in which they are removing or carrying out almost costly, because of their cost. If possible, the life-long coverage of the policy will pay about twice the price of a three-year policy, according to Claude Thau, long-term care insurance specialist and consultant in Overland Park, Kan.
Debra Newman, founder of Newman Long Term Care in Richfield, Minn. says he recommended the unlimited coverage of her clients for years because it costs only about 25 percent more than the fixed-term policy. Now he urges couples to get treatment instead of shared.
"This will enable them to protect the bets in case something catastrophic happens one of them," he says.


http://www.kudosinvestmentproperty.co.uk/detail.php?id=19257
http://www.zeedir.com/detail.php?id=32552
http://www.transops.net/detail/link-28463.html
http://www.cfaf.org/detail/link-11373.html
http://www.cfaf.org/detail/link-11371.html
http://www.zeedir.com/detail.php?id=32561
http://www.mcchandigarh.com/detail.php?id=154608
http://www.mcchandigarh.com/detail.php?id=154616
http://yoursearchdirectory.com/detail.php?id=1097
http://www.direngine.com/detail.php?id=25087
http://www.nashvillebbb.org/detail.php?id=179070
http://www.direngine.com/detail.php?id=25089
http://www.direngine.com/detail.php?id=25093
http://www.personalwebmap.com/detail.php?id=9109
http://www.manualdirectory.info/detail.php?id=869
http://yoursearchdirectory.com/detail.php?id=1088
http://www.cfaf.org/detail/link-11385.html
http://www.transops.net/detail/link-28464.html
http://www.theslc.org/detail/link-8691.html
http://www.recoveryandforensic.com/links/detail.php?id=3645
http://www.site-directory.info/detail.php?id=1323
http://www.linkshound.com/detail.php?id=62800
http://www.nashvillebbb.org/detail.php?id=179065
http://www.nashvillebbb.org/detail.php?id=179063
http://www.site-directory.info/detail.php?id=1335
http://www.transops.net/detail/link-28465.html
http://www.nashvillebbb.org/detail.php?id=179141
http://www.nashvillebbb.org/detail.php?id=179067
http://www.direngine.com/detail.php?id=25081
http://www.zeedir.com/detail.php?id=32551
http://www.manualdirectory.info/detail.php?id=871
http://www.directorywebseo.it/detail/link-2324.htm
http://www.manualdirectory.info/detail.php?id=875
http://www.transops.net/detail/link-28460.html
http://www.mcchandigarh.com/detail.php?id=154622
http://www.recoveryandforensic.com/links/detail.php?id=3651
http://www.directorywebseo.it/detail/link-2326.htm
http://www.directorywebseo.it/detail/link-2325.htm
http://www.aooxo.com/detail.php?id=53264
http://www.mcchandigarh.com/detail.php?id=154745
http://www.cfaf.org/detail/link-11376.html
http://www.kudosinvestmentproperty.co.uk/detail.php?id=19253
http://yoursearchdirectory.com/detail.php?id=1092
http://www.linkshound.com/detail.php?id=62798
http://www.personalwebmap.com/detail.php?id=9113
http://www.zeedir.com/detail.php?id=32543
http://www.personalwebmap.com/detail.php?id=9130
http://www.zeedir.com/detail.php?id=32547
http://www.zeedir.com/detail.php?id=32546
http://www.cfaf.org/detail/link-11366.html
http://www.linkshound.com/detail.php?id=62796
http://www.mcchandigarh.com/detail.php?id=154621
http://www.personalwebmap.com/detail.php?id=9120
http://www.personalwebmap.com/detail.php?id=9108
http://yoursearchdirectory.com/detail.php?id=1099
http://www.directorywebseo.it/detail/link-2321.htm
http://www.kudosinvestmentproperty.co.uk/detail.php?id=19245
http://www.cfaf.org/detail/link-11375.html
http://www.mcchandigarh.com/detail.php?id=154619
http://www.direngine.com/detail.php?id=25088
http://www.recoveryandforensic.com/links/detail.php?id=3652
http://www.linkshound.com/detail.php?id=62857
http://yoursearchdirectory.com/detail.php?id=1095
http://www.kudosinvestmentproperty.co.uk/detail.php?id=19249
http://www.directorywebseo.it/detail/link-2332.htm
http://www.theslc.org/detail/link-8694.html
http://www.zeedir.com/detail.php?id=32558
http://www.kudosinvestmentproperty.co.uk/detail.php?id=19243
http://www.recoveryandforensic.com/links/detail.php?id=3639
http://yoursearchdirectory.com/detail.php?id=1096
http://www.manualdirectory.info/detail.php?id=879
http://www.zeedir.com/detail.php?id=32549
http://www.mcchandigarh.com/detail.php?id=154618
http://www.manualdirectory.info/detail.php?id=868
http://www.linkshound.com/detail.php?id=62801
http://www.recoveryandforensic.com/links/detail.php?id=3642
http://www.zeedir.com/detail.php?id=32548
http://www.directorywebseo.it/detail/link-2323.htm
http://www.linkshound.com/detail.php?id=62792
http://www.direngine.com/detail.php?id=25080
http://www.zeedir.com/detail.php?id=32555
http://www.recoveryandforensic.com/links/detail.php?id=3640
http://www.nashvillebbb.org/detail.php?id=179072
http://www.cfaf.org/detail/link-11368.html
http://www.manualdirectory.info/detail.php?id=876
http://www.manualdirectory.info/detail.php?id=881
http://www.kudosinvestmentproperty.co.uk/detail.php?id=19250
http://yoursearchdirectory.com/detail.php?id=1091
http://www.nashvillebbb.org/detail.php?id=179071
http://www.zeedir.com/detail.php?id=32574
http://www.theslc.org/detail/link-8687.html
http://www.cfaf.org/detail/link-11377.html
http://www.site-directory.info/detail.php?id=1329
http://www.direngine.com/detail.php?id=25091
http://www.manualdirectory.info/detail.php?id=870
http://www.site-directory.info/detail.php?id=1327
http://www.kudosinvestmentproperty.co.uk/detail.php?id=19251
http://www.manualdirectory.info/detail.php?id=878
http://www.direngine.com/detail.php?id=25079
http://www.transops.net/detail/link-28454.html
http://www.transops.net/detail/link-28453.html
http://www.manualdirectory.info/detail.php?id=880
http://www.cfaf.org/detail/link-11364.html
http://yoursearchdirectory.com/detail.php?id=1090
http://www.directorywebseo.it/detail/link-2340.htm
http://www.site-directory.info/detail.php?id=1325
http://www.manualdirectory.info/detail.php?id=874
http://www.personalwebmap.com/detail.php?id=9116
http://www.transops.net/detail/link-28462.html
http://www.personalwebmap.com/detail.php?id=9118
http://www.linkshound.com/detail.php?id=62806
http://www.theslc.org/detail/link-8695.html
http://www.mcchandigarh.com/detail.php?id=154617
http://www.linkshound.com/detail.php?id=62799
http://www.theslc.org/detail/link-8692.html
http://www.manualdirectory.info/detail.php?id=884
http://www.theslc.org/detail/link-8697.html
http://www.recoveryandforensic.com/links/detail.php?id=3641
http://yoursearchdirectory.com/detail.php?id=1087
http://www.kudosinvestmentproperty.co.uk/detail.php?id=19255
http://www.zeedir.com/detail.php?id=32554
http://www.linkshound.com/detail.php?id=62790
http://www.theslc.org/detail/link-8696.html
http://www.directorywebseo.it/detail/link-2331.htm
http://www.recoveryandforensic.com/links/detail.php?id=3647
http://www.directorywebseo.it/detail/link-2322.htm
http://www.directorywebseo.it/detail/link-2335.htm
http://www.manualdirectory.info/detail.php?id=872
http://www.personalwebmap.com/detail.php?id=9119
http://www.site-directory.info/detail.php?id=1321
http://www.transops.net/detail/link-28452.html
http://www.direngine.com/detail.php?id=25082
http://www.nashvillebbb.org/detail.php?id=179060
http://www.recoveryandforensic.com/links/detail.php?id=3650
http://www.cfaf.org/detail/link-11378.html
http://www.directorywebseo.it/detail/link-2330.htm
http://www.mcchandigarh.com/detail.php?id=154620
http://www.recoveryandforensic.com/links/detail.php?id=3649
http://www.cfaf.org/detail/link-11367.html
http://www.direngine.com/detail.php?id=25114
http://www.transops.net/detail/link-28455.html
http://www.mcchandigarh.com/detail.php?id=154610
http://www.direngine.com/detail.php?id=25092
http://www.cfaf.org/detail/link-11374.html
http://www.manualdirectory.info/detail.php?id=877
http://www.nashvillebbb.org/detail.php?id=179069
http://www.transops.net/detail/link-28458.html
http://www.site-directory.info/detail.php?id=1331
http://www.personalwebmap.com/detail.php?id=9114
http://www.direngine.com/detail.php?id=25084
http://yoursearchdirectory.com/detail.php?id=1093
http://www.site-directory.info/detail.php?id=1319
http://www.transops.net/detail/link-28457.html
http://www.zeedir.com/detail.php?id=32553
http://www.nashvillebbb.org/detail.php?id=179075
http://www.kudosinvestmentproperty.co.uk/detail.php?id=19247
http://www.site-directory.info/detail.php?id=1324
http://www.personalwebmap.com/detail.php?id=9121
http://www.transops.net/detail/link-28456.html
http://www.theslc.org/detail/link-8688.html
http://www.kudosinvestmentproperty.co.uk/detail.php?id=19244
http://www.transops.net/detail/link-28459.html
http://www.theslc.org/detail/link-8693.html
http://www.mcchandigarh.com/detail.php?id=154624
http://www.transops.net/detail/link-28461.html
http://www.recoveryandforensic.com/links/detail.php?id=3648
http://www.personalwebmap.com/detail.php?id=9112
http://www.personalwebmap.com/detail.php?id=9115
http://www.directorywebseo.it/detail/link-2328.htm
http://www.direngine.com/detail.php?id=25083
http://www.linkshound.com/detail.php?id=62803
http://www.linkshound.com/detail.php?id=62802
http://www.direngine.com/detail.php?id=25085
http://www.linkshound.com/detail.php?id=62804
http://www.theslc.org/detail/link-8689.html
http://www.kudosinvestmentproperty.co.uk/detail.php?id=19269
http://yoursearchdirectory.com/detail.php?id=1098
http://www.nashvillebbb.org/detail.php?id=179058
http://www.site-directory.info/detail.php?id=1320
http://www.theslc.org/detail/link-8690.html
http://www.kudosinvestmentproperty.co.uk/detail.php?id=19252
http://www.manualdirectory.info/detail.php?id=873
http://www.personalwebmap.com/detail.php?id=9117
http://www.linkshound.com/detail.php?id=62794
http://www.direngine.com/detail.php?id=25090
http://www.kudosinvestmentproperty.co.uk/detail.php?id=19254
http://www.site-directory.info/detail.php?id=1328
http://www.nashvillebbb.org/detail.php?id=179059
http://www.mcchandigarh.com/detail.php?id=154625
http://www.recoveryandforensic.com/links/detail.php?id=3646
http://www.site-directory.info/detail.php?id=1332
http://www.directorywebseo.it/detail/link-2334.htm
http://www.nashvillebbb.org/detail.php?id=179061
http://yoursearchdirectory.com/detail.php?id=1089
http://yoursearchdirectory.com/detail.php?id=1094
http://www.manualdirectory.info/detail.php?id=867
http://www.theslc.org/detail/link-8685.html
http://www.recoveryandforensic.com/links/detail.php?id=3643
http://www.kudosinvestmentproperty.co.uk/detail.php?id=19246
http://www.kudosinvestmentproperty.co.uk/detail.php?id=19248
http://www.cfaf.org/detail/link-11372.html
http://www.site-directory.info/detail.php?id=1326
http://www.theslc.org/detail/link-8684.html
http://www.directorywebseo.it/detail/link-2333.htm
http://www.theslc.org/detail/link-8698.html
http://www.zeedir.com/detail.php?id=32550
http://www.mcchandigarh.com/detail.php?id=154609
http://www.personalwebmap.com/detail.php?id=9122
http://www.personalwebmap.com/detail.php?id=9110
http://www.personalwebmap.com/detail.php?id=9111
http://www.cfaf.org/detail/link-11365.html
http://www.recoveryandforensic.com/links/detail.php?id=3644
http://www.nashvillebbb.org/detail.php?id=179073
http://www.nashvillebbb.org/detail.php?id=179064
http://www.transops.net/detail/link-28466.html
http://www.transops.net/detail/link-28467.html
http://www.direngine.com/detail.php?id=25086
http://www.linkshound.com/detail.php?id=62805
http://www.site-directory.info/detail.php?id=1330
http://www.mcchandigarh.com/detail.php?id=154613
http://www.mcchandigarh.com/detail.php?id=154607
http://www.site-directory.info/detail.php?id=1322
http://www.kudosinvestmentproperty.co.uk/detail.php?id=19256
http://www.recoveryandforensic.com/links/detail.php?id=3654
http://www.recoveryandforensic.com/links/detail.php?id=3653
http://www.cfaf.org/detail/link-11369.html
http://www.theslc.org/detail/link-8686.html
http://www.mcchandigarh.com/detail.php?id=154615
http://www.zeedir.com/detail.php?id=32557
http://www.site-directory.info/detail.php?id=1333
http://www.linkshound.com/detail.php?id=62797
http://www.aooxo.com/detail.php?id=53300
http://www.directorywebseo.it/detail/link-2327.htm
http://www.directorywebseo.it/detail/link-2329.htm
http://www.linkshound.com/detail.php?id=62795
http://www.cfaf.org/detail/link-11370.html
http://www.zeedir.com/detail.php?id=32545

Oil market shrugs at imminent Iran tanker insurance ban

Reuters - In less than two weeks, Iran's largest oil buyers to lose access to the London-based insurance market, which protects 95 percent of the world's oil tanker shipments against damage or catastrophic collisions.
Barring an unexpected last-minute deal to relax the sanctions of the European Union, the Protection and Compensation (P & I Clubs) can convince the Iranian vessels carrying crude 1 July unexpected but ultimately a critical side effect of the EU sanctions to punish Iran for its nuclear program.
When the extreme scenario, exports to OPEC's second largest - already limited to a separate U.S. sanctions and the EU ban on imports - can stop by next month, foreign oil companies can not afford to risk billions of dollars of debts of an uninsured event.
Such an outcome seems unlikely. Japan, which now buys about a fifth of Iran's exports of legislators is expected to approve an unprecedented government guarantees to assure shipments later this month.
But no other country has not announced similar arrangements, and the buyers in South Korea and India say they have to stop loading new cargo in July without a resolution.
Although the risks are, however, oil markets appear blase: Since April, the price of Brent crude oil prices have plummeted more than 20 percent of trade under $ 100 a barrel for the first time since early 2011, and the straw poll by Reuters, none of the five analysts provided forecasts for Iran's exports are expected to more than a modest dip in sales in July and the rest of the year.
"The insurance business can affect the volume of exports over the targets, thereby reducing the expected Iran's exports, but the time it takes the market participants to find ways to deal with sanctions and export can grow," Seth Kleinman at Citi said.
Currently, traders are betting that a reduction in demand due to the debt crisis of almost unprecedented in Saudi oil production and boom in North American production is more than sufficient to compensate for the expected drop of 1 million barrels per day (BPD), Iran's exports last year.
Group of Eight countries have also made it clear they would release emergency oil reserves quickly if the supply is at risk.
In practice, the market sentiment on Iran turned from one extreme to another. Fears earlier this year, Israel's imminent military attack on Iran has been replaced by what some analysts warn, is a dangerous complacency.
"Our view is that much of the lower Iran's exports have already been priced in," says Hans van Cleef, energy economist at ABN AMRO, who refused to provide a forecast. "The price effect July 1, would be very limited."
Opportunities for a wider aperture resolution of high-level nuclear talks and the growing risks of instability resulting from the turmoil in Syria could be underestimated.
"I think it is much more volatile than the market recognizes," Barclays analyst Helima Croft said.
One more marine risks have emerged just in recent days: the big European rating agencies that verify the safety and environmental standards in the world's oceangoing vessels - a prerequisite for docking up to the ports - say, to stop providing certificates to the Iranian Supreme shipping companies.
Graphic Iran oil: click http://link.reuters.com/qef68s
JAPAN INSURANCE
Citi estimates of exports to fall 200 000 barrels per day compared to May, and then further to around 1.25 million barrels per day during the remainder of the year - about half of what Iran's exports last year, before the more severe the consequences.
On average, analysts see Iran's exports to slip on a 216 000 barrels per day in July, and shortly after. This requires a total loss of exports amounted to nearly 1.5 million barrels per day level, the Barclays analysts warned could provide a "substantial upside down prices," especially in the summer demand.
P & I block initially looked for unanticipated side effect of the sanctions, which are more direct import of Iranian crude oil and a host of other measures designed to convince Iran to stop its nuclear program objectives.
West suspects Iran trying to make nuclear weapons, but Tehran that its nuclear program is for electricity generation.
However, insurance quickly become a key issue has wider implications. Although the U.S. sanctions have succeeded in convincing most of Asian countries to cut Iran's purchases of one tenth or more, that P & I coverage threatens to stop exports - a development that is not even in Washington seems to want.
The main importing countries were exerting pressure on the EU to relax the ban or delay the sanctions, but the EU is determined: "We have a firm position on the oil starts to ban first July," Energy Commissioner Günther Oettinger said last week.
Most are also looking for support for a sovereign, but few results outside of Japan.
Earlier this year, China's ship-owners in Beijing there was coverage, but there is no evidence that such measures will be coming. The Indian official said last week that New Delhi was the difficulty to solve the problem. Industry sources said earlier that the country's largely state refiners would be forced to stop the importation without a solution.
"Oil traders see the Iranian buyers to create functional substitutes for the EU maritime insurance through sovereign guarantees," said Mark Dubowitz director of non-profit group Foundation for Defense of Democracies, which calls for strict sanctions against Iran.
The navy?
NITC, the Islamic Republic's largest private tanker operators have sought to reassure customers that it can maintain a broadcasting moving $ 1 billion in insurance on their own fleet, mostly privately owned, Kish P & I
If you use a whole, the NITC's fleet of 39 vessels would be theoretically enough to carry a maximum of about 62 million barrels of oil, the information on their website was. Assuming a 35 day round trip to China, Navy could theoretically deliver 1.8 million barrels a day more than Iran's current exports.
But brokers say up to three quarters of its 25 supertankers may already be in use at sea to store surplus production, while the smaller vessels would be bad for long-distance transport. This is more difficult to maintain current export using only the NITC vessels.
Iran to release these vessels to sail to China or elsewhere, but this would force Tehran to close in oil wells against the tide - it has been reluctant to do so far.
In the end, some analysts question is not so much the direct effects of sanctions than the extent to which some countries may still work around them.
Nic Brown, Natixis said China - the only major importer is not secured an exemption in U.S. sanctions - you can buy more than 500,000 barrels of crude a day in July.
"We suspect that Chinese importers have negotiated favorable terms for taking more oil from Iran," he said.
(Reporting by Jonathan Leff in New York and Naveen Arul and Nallur Sethuraman in Bangalore, Additional reporting by Timothy Gardner in Washington, editing by Dale Hudson and Sofina Mirza-Reid)

 http://standingnudes.oprahpowerandi.com/detail.php?id=121898
http://www.nashvillebbb.org/detail.php?id=179051
http://www.recoveryandforensic.com/links/detail.php?id=3635
http://www.directorywebseo.it/detail/link-2316.htm
http://geekyspeaky.com/links/detail.php?id=19765
http://www.4zf.net/detail.php?id=85387
http://www.personalwebmap.com/detail.php?id=9103
http://www.mcchandigarh.com/detail.php?id=154605
http://geekyspeaky.com/links/detail.php?id=19762
http://www.mcchandigarh.com/detail.php?id=154606
http://coolinkdirectory.info/detail/insurance4utah.com-79991.html
http://www.manualdirectory.info/detail.php?id=862
http://www.direngine.com/detail.php?id=25077
http://www.recoveryandforensic.com/links/detail.php?id=3638
http://www.aooxo.com/detail.php?id=53246
http://root-b.org/detail/link-107969.html
http://www.directorywebseo.it/detail/link-2318.htm
http://www.site-directory.info/detail.php?id=1316
http://forcelinks.com/detail/link-5635.html
http://coolinkdirectory.info/detail/improve-my-libido.com-79990.html
http://www.mcchandigarh.com/detail.php?id=154603
http://root-b.org/detail/link-107970.html
http://www.4zf.net/detail.php?id=85384
http://www.aooxo.com/detail.php?id=53242
http://www.aooxo.com/detail.php?id=53247
http://www.888links.info/detail.php?id=48376
http://www.cfaf.org/detail/link-11361.html
http://coolinkdirectory.info/detail/lighttouchmedical.com-79994.html
http://coolinkdirectory.info/detail/roundtheclockpestcontrol.com-79993.html
http://whereto.info/detail.php?id=3914
http://directorysubmits.com/detail.php?id=65511
http://standingnudes.oprahpowerandi.com/detail.php?id=121900
http://diversifiedlinks.com/detail.php?id=43772
http://www.linkshound.com/detail.php?id=62782
http://www.theslc.org/detail/link-8680.html
http://www.advanceranking.com/detail/link-3387
http://seodatalinks.com/detail.php?id=88474
http://standingnudes.oprahpowerandi.com/detail.php?id=121902
http://www.888links.info/detail.php?id=48374
http://www.recoveryandforensic.com/links/detail.php?id=3637
http://diversifiedlinks.com/detail.php?id=43770
http://www.4zf.net/detail.php?id=85386
http://www.nashvillebbb.org/detail.php?id=179052
http://directory.searchamelia.com/detail.php?id=4711
http://diversifiedlinks.com/detail.php?id=43771
http://www.cfaf.org/detail/link-11362.html
http://www.theslc.org/detail/link-8678.html
http://www.888links.info/detail.php?id=48378
http://www.recoveryandforensic.com/links/detail.php?id=3636
http://www.cfaf.org/detail/link-11358.html
http://diversifiedlinks.com/detail.php?id=43768
http://www.nashvillebbb.org/detail.php?id=179054
http://seodatalinks.com/detail.php?id=88477
http://www.manualdirectory.info/detail.php?id=865
http://www.site-directory.info/detail.php?id=1317
http://directorysubmits.com/detail.php?id=65517
http://www.4zf.net/detail.php?id=85388
http://seo-bob.com/detail.php?id=594
http://seodatalinks.com/detail.php?id=88478
http://www.4zf.net/detail.php?id=85385
http://www.linkshound.com/detail.php?id=62786
http://www.nashvillebbb.org/detail.php?id=179057
http://www.direngine.com/detail.php?id=25076
http://whereto.info/detail.php?id=3915
http://forcelinks.com/detail/link-5639.html
http://www.cfaf.org/detail/link-11359.html
http://www.personalwebmap.com/detail.php?id=9104
http://www.manualdirectory.info/detail.php?id=864
http://geekyspeaky.com/links/detail.php?id=19767
http://forcelinks.com/detail/link-5638.html
http://directory.searchamelia.com/detail.php?id=4712
http://www.aooxo.com/detail.php?id=53248
http://www.direngine.com/detail.php?id=25078
http://coolinkdirectory.info/detail/fslandscapingcontractors.com-79989.html
http://forcelinks.com/detail/link-5634.html
http://www.site-directory.info/detail.php?id=1313
http://www.transops.net/detail/link-28445.html
http://www.kudosinvestmentproperty.co.uk/detail.php?id=19239
http://seo-bob.com/detail.php?id=591
http://www.theslc.org/detail/link-8681.html
http://www.kudosinvestmentproperty.co.uk/detail.php?id=19238
http://www.directorywebseo.it/detail/link-2320.htm
http://www.kudosinvestmentproperty.co.uk/detail.php?id=19242
http://whereto.info/detail.php?id=3917
http://www.linkshound.com/detail.php?id=62781
http://www.theslc.org/detail/link-8683.html
http://standingnudes.oprahpowerandi.com/detail.php?id=121901
http://www.kudosinvestmentproperty.co.uk/detail.php?id=19237
http://www.recoveryandforensic.com/links/detail.php?id=3634
http://www.directorywebseo.it/detail/link-2319.htm
http://www.advanceranking.com/detail/link-3389
http://geekyspeaky.com/links/detail.php?id=19763
http://www.personalwebmap.com/detail.php?id=9105
http://root-b.org/detail/link-107971.html
http://www.advanceranking.com/detail/link-3388
http://geekyspeaky.com/links/detail.php?id=19766
http://www.kudosinvestmentproperty.co.uk/detail.php?id=19241
http://www.manualdirectory.info/detail.php?id=866
http://www.direngine.com/detail.php?id=25075
http://www.linkshound.com/detail.php?id=62788
http://directory.searchamelia.com/detail.php?id=4715
http://www.nashvillebbb.org/detail.php?id=179054
http://www.mcchandigarh.com/detail.php?id=154602
http://seo-bob.com/detail.php?id=593
http://seo-bob.com/detail.php?id=592
http://www.888links.info/detail.php?id=48377
http://standingnudes.oprahpowerandi.com/detail.php?id=121899
http://www.linkshound.com/detail.php?id=62789
http://www.theslc.org/detail/link-8679.html
http://www.recoveryandforensic.com/links/detail.php?id=3633
http://directorysubmits.com/detail.php?id=65514
http://root-b.org/detail/link-107967.html
http://www.manualdirectory.info/detail.php?id=861
http://www.direngine.com/detail.php?id=25074
http://diversifiedlinks.com/detail.php?id=43769
http://www.direngine.com/detail.php?id=25073
http://directory.searchamelia.com/detail.php?id=4713
http://forcelinks.com/detail/link-5636.html
http://seodatalinks.com/detail.php?id=88479
http://www.888links.info/detail.php?id=48379
http://www.site-directory.info/detail.php?id=1314
http://www.site-directory.info/detail.php?id=1315
http://whereto.info/detail.php?id=3918
http://directory.searchamelia.com/detail.php?id=4710
http://directory.searchamelia.com/detail.php?id=4714
http://directorysubmits.com/detail.php?id=65512
http://www.mcchandigarh.com/detail.php?id=154601
http://www.personalwebmap.com/detail.php?id=9102
http://www.personalwebmap.com/detail.php?id=9106
http://seodatalinks.com/detail.php?id=88475
http://www.linkshound.com/detail.php?id=62787
http://www.site-directory.info/detail.php?id=1318
http://directorysubmits.com/detail.php?id=65516
http://www.kudosinvestmentproperty.co.uk/detail.php?id=19240
http://www.cfaf.org/detail/link-11363.html
http://whereto.info/detail.php?id=3916
http://www.aooxo.com/detail.php?id=53245
http://diversifiedlinks.com/detail.php?id=43767
http://www.888links.info/detail.php?id=48375
http://root-b.org/detail/link-107968.html
http://www.directorywebseo.it/detail/link-2315.htm
http://whereto.info/detail.php?id=3913
http://www.advanceranking.com/detail/link-3385
http://www.advanceranking.com/detail/link-3386
http://coolinkdirectory.info/detail/keeko.com-79992.html
http://www.nashvillebbb.org/detail.php?id=179055
http://www.aooxo.com/detail.php?id=53243
http://seodatalinks.com/detail.php?id=88476
http://seo-bob.com/detail.php?id=590
http://www.cfaf.org/detail/link-11360.html
http://www.directorywebseo.it/detail/link-2317.htm
http://geekyspeaky.com/links/detail.php?id=19764
http://forcelinks.com/detail/link-5637.html
http://directorysubmits.com/detail.php?id=65515
http://www.manualdirectory.info/detail.php?id=863
http://standingnudes.oprahpowerandi.com/detail.php?id=121903
http://seo-bob.com/detail.php?id=595
http://www.personalwebmap.com/detail.php?id=9107
http://www.theslc.org/detail/link-8682.html
http://www.advanceranking.com/detail/link-3384