Home Buyers and Sellers Real Estate Glossary

July 3, 2017

Every business has it’s jargon and residential real estate is no exception. Mark Nash author of 1001 Tips for Buying and Selling a Home shares commonly used terms with home buyers and sellers.

1031 exchange or Starker exchange: The delayed exchange of properties that qualifies for tax purposes as a tax-deferred exchange.

1099: The statement of income reported to the IRS for an independent contractor.

A/I: A contract that is pending with attorney and inspection contingencies.

Accompanied showings: Those showings where the listing agent must accompany an agent and his or her clients when viewing a listing.

Addendum: An addition to; a document.

Adjustable rate mortgage (ARM): A type of mortgage loan whose interest rate is tied to an economic index, which fluctuates with the market. Typical ARM periods are one, three, five, and seven years.

Agent: The licensed real estate salesperson or broker who represents buyers or sellers.

Annual percentage rate (APR): The total costs (interest rate, closing costs, fees, and so on) that are part of a borrower’s loan, expressed as a percentage rate of interest. The total costs are amortized over the term of the loan.

Application fees: Fees that mortgage companies charge buyers at the time of written application for a loan; for example, fees for running credit reports of borrowers, property appraisal fees, and lender-specific fees.

Appointments: Those times or time periods an agent shows properties to clients.

Appraisal: A document of opinion of property value at a specific point in time.

Appraised price (AP): The price the third-party relocation company offers (under most contracts) the seller for his or her property. Generally, the average of two or more independent appraisals.

“As-is”: A contract or offer clause stating that the seller will not repair or correct any problems with the property. Also used in listings and marketing materials.

Assumable mortgage: One in which the buyer agrees to fulfill the obligations of the existing loan agreement that the seller made with the lender. When assuming a mortgage, a buyer becomes personally liable for the payment of principal and interest. The original mortgagor should receive a written release from the liability when the buyer assumes the original mortgage.

Back on market (BOM): When a property or listing is placed back on the market after being removed from the market recently.

Back-up agent: A licensed agent who works with clients when their agent is unavailable.

Balloon mortgage: A type of mortgage that is generally paid over a short period of time, but is amortized over a longer period of time. The borrower typically pays a combination of principal and interest. At the end of the loan term, the entire unpaid balance must be repaid.

Back-up offer: When an offer is accepted contingent on the fall through or voiding of an accepted first offer on a property.

Bill of sale: Transfers title to personal property in a transaction.

Board of REALTORS® (local): An association of REALTORS® in a specific geographic area.

Broker: A state licensed individual who acts as the agent for the seller or buyer.

Broker of record: The person registered with his or her state licensing authority as the managing broker of a specific real estate sales office.

Broker’s market analysis (BMA): The real estate broker’s opinion of the expected final net sale price, determined after acquisition of the property by the third-party company.

Broker’s tour: A preset time and day when real estate sales agents can view listings by multiple brokerages in the market.

Buyer: The purchaser of a property.

Buyer agency: A real estate broker retained by the buyer who has a fiduciary duty to the buyer.

Buyer agent: The agent who shows the buyer’s property, negotiates the contract or offer for the buyer, and works with the buyer to close the transaction.

Carrying costs: Cost incurred to maintain a property (taxes, interest, insurance, utilities, and so on).

Closing: The end of a transaction process where the deed is delivered, documents are signed, and funds are dispersed.

CLUE (Comprehensive Loss Underwriting Exchange): The insurance industry’s national database that assigns individuals a risk score. CLUE also has an electronic file of a properties insurance history. These files are accessible by insurance companies nationally. These files could impact the ability to sell property as they might contain information that a prospective buyer might find objectionable, and in some cases not even insurable.

Commission: The compensation paid to the listing brokerage by the seller for selling the property. A buyer may also be required to pay a commission to his or her agent.

Commission split: The percentage split of commission compen-sation between the real estate sales brokerage and the real estate sales agent or broker.

Competitive Market Analysis (CMA): The analysis used to provide market information to the seller and assist the real estate broker in securing the listing.

Condominium association: An association of all owners in a condominium.

Condominium budget: A financial forecast and report of a condominium association’s expenses and savings.

Condominium by-laws: Rules passed by the condominium association used in administration of the condominium property.

Condominium declarations: A document that legally establishes a condominium.

Condominium right of first refusal: A person or an association that has the first opportunity to purchase condominium real estate when it becomes available or the right to meet any other offer.

Condominium rules and regulation: Rules of a condominium association by which owners agree to abide.

Contingency: A provision in a contract requiring certain acts to be completed before the contract is binding.

Continue to show: When a property is under contract with contingencies, but the seller requests that the property continue to be shown to prospective buyers until contingencies are released.

Contract for deed: A sales contract in which the buyer takes possession of the property but the seller holds title until the loan is paid. Also known as an installment sale contract.

Conventional mortgage: A type of mortgage that has certain limitations placed on it to meet secondary market guidelines. Mortgage companies, banks, and savings and loans underwrite conventional mortgages.

Cooperating commission: A commission offered to the buyer’s agent brokerage for bringing a buyer to the selling brokerage’s listing.

Cooperative (Co-op): Where the shareholders of the corporation are the inhabitants of the building. Each shareholder has the right to lease a specific unit. The difference between a co-op and a condo is in a co-op, one owns shares in a corporation; in a condo one owns the unit fee simple.

Counteroffer: The response to an offer or a bid by the seller or buyer after the original offer or bid.

Credit report: Includes all of the history for a borrower’s credit accounts, outstanding debts, and payment timelines on past or current debts.

Credit score: A score assigned to a borrower’s credit report based on information contained therein.

Curb appeal: The visual impact a property projects from the street.

Days on market: The number of days a property has been on the market.

Decree: A judgment of the court that sets out the agreements and rights of the parties.

Disclosures: Federal, state, county, and local requirements of disclosure that the seller provides and the buyer acknowledges.

Divorce: The legal separation of a husband and wife effected by a court decree that totally dissolves the marriage relationship.

DOM: Days on market.

Down payment: The amount of cash put toward a purchase by the borrower.

Drive-by: When a buyer or seller agent or broker drives by a property listing or potential li
sting.

Dual agent: A state-licensed individual who represents the seller and the buyer in a single transaction.

Earnest money deposit: The money given to the seller at the time the offer is made as a sign of the buyer’s good faith.

Escrow account for real estate taxes and insurance: An account into which borrowers pay monthly prorations for real estate taxes and property insurance.

Exclusions: Fixtures or personal property that are excluded from the contract or offer to purchase.

Expired (listing): A property listing that has expired per the terms of the listing agreement.

Fax rider: A document that treats facsimile transmission as the same legal effect as the original document.

Feedback: The real estate sales agent and/or his or her client’s reaction to a listing or property. Requested by the listing agent.

Fee simple: A form of property ownership where the owner has the right to use and dispose of property at will.

FHA (Federal Housing Administration) Loan Guarantee: A guarantee by the FHA that a percentage of a loan will be underwritten by a mortgage company or banker.

Fixture: Personal property that has become part of the property through permanent attachment.

Flat fee: A predetermined amount of compensation received or paid for a specific service in a real estate transaction.

For sale by owner (FSBO): A property that is for sale by the owner of the property.

Gift letter: A letter to a lender stating that a gift of cash has been made to the buyer(s) and that the person gifting the cash to the buyer is not expecting the gift to be repaid. The exact wording of the gift letter should be requested of the lender.

Good faith estimate: Under the Real Estate Settlement Procedures Act, within three days of an application submission, lenders are required to provide in writing to potential borrowers a good faith estimate of closing costs.

Gross sale price: The sale price before any concessions.

Hazard insurance: Insurance that covers losses to real estate from damages that might affect its value.

Homeowner’s insurance: Coverage that includes personal liability and theft insurance in addition to hazard insurance.

HUD/RESPA (Housing and Urban Development/Real Estate Settlement Procedures Act): A document and statement that details all of the monies paid out and received at a real estate property closing.

Hybrid adjustable rate: Offers a fixed rate the first 5 years and then adjusts annually for the next 25 years.

IDX (Internet Data Exchange): Allows real estate brokers to advertise each other’s listings posted to listing databases such as the multiple listing service.

Inclusions: Fixtures or personal property that are included in a contract or offer to purchase.

Independent contractor: A real estate sales agent who conducts real estate business through a broker. This agent does not receive salary or benefits from the broker.

Inspection rider: Rider to purchase agreement between third party relocation company and buyer of transferee’s property stating that property is being sold “as is.” All inspection reports conducted by the third party company are disclosed to the buyer and it is the buyer’s duty to do his/her own inspections and tests.

Installment land contract: A contract in which the buyer takes possession of the property while the seller retains the title to the property until the loan is paid.

Interest rate float: The borrower decides to delay locking their interest rate on their loan. They can float their rate in expectation of the rate moving down. At the end of the float period they must lock a rate.

Interest rate lock: When the borrower and lender agree to lock a rate on loan. Can have terms and conditions attached to the lock.

List date: Actual date the property was listed with the current broker.

List price: The price of a property through a listing agreement.

Listing: Brokers written agreement to represent a seller and their property. Agents refer to their inventory of agreements with sellers as listings.

Listing agent: The real estate sales agent that is representing the sellers and their property, through a listing agreement.

Listing agreement: A document that establishes the real estate agent’s agreement with the sellers to represent their property in the market.

Listing appointment: The time when a real estate sales agent meets with potential clients selling a property to secure a listing agreement.

Listing exclusion: A clause included in the listing agreement when the seller (transferee) lists his or her property with a broker.

Loan: An amount of money that is lent to a borrower who agrees to repay the amount plus interest.

Loan application: A document that buyers who are requesting a loan fill out and submit to their lender.

Loan closing costs: The costs a lender charges to close a borrower’s loan. These costs vary from lender to lender and from market to market.

Loan commitment: A written document telling the borrowers that the mortgage company has agreed to lend them a specific amount of money at a specific interest rate for a specific period of time. The loan commitment may also contain conditions upon which the loan commitment is based.

Loan package: The group of mortgage documents that the borrower’s lender sends to the closing or escrow.

Loan processor: An administrative individual who is assigned to check, verify, and assemble all of the documents and the buyer’s funds and the borrower’s loan for closing.

Loan underwriter: One who underwrites a loan for another. Some lenders have investors underwrite a buyer’s loan.

Lockbox: A tool that allows secure storage of property keys on the premises for agent use. A combo uses a rotating dial to gain access with a combination; a Supra® (electronic lockbox or ELB) features a keypad.

Managing broker: A person licensed by the state as a broker who is also the broker of record for a real estate sales office. This person manages the daily operations of a real estate sales office.

Marketing period: The period of time in which the transferee may market his or her property (typically 45, 60, or 90 days), as directed by the third-party company’s contract with the employer.

Mortgage banker: One who lends the bank’s funds to borrowers and brings lenders and borrowers together.

Mortgage broker: A business that or an individual who unites lenders and borrowers and processes mortgage applications.

Mortgage loan servicing company: A company that collects monthly mortgage payments from borrowers.

Multiple listing service (MLS): A service that compiles available properties for sale by member brokers.

Multiple offers: More than one buyers broker present an offer on one property where the offers are negotiated at the same time.

National Association of REALTORS® (NAR): A national association comprised of real estate sales agents.

Net sales price: Gross sales price less concessions to the buyers.

Off market: A property listing that has been removed from the sale inventory in a market. A property can be temporarily or permanently off market.

Offer to purchase: When a buyer proposes certain terms and presents these terms to the seller.

Office tour/caravan: A walking or driving tour by a real estate sales office of listings represented by agents in the office. Usually held on a set day and time.

Parcel identification number (PIN): A taxing authority’s tracking number for a property.

Pending: A real estate contract that has been accepted on a property but the transaction has not closed.

Personal assistant: A real estate sales agent administrative assistant.

Planned unit development (PUD): Mixed-use development that sets aside areas for residential use, commercial use, and public areas such as schools, parks, and so on.

Preapproval: A higher level of buyer/borrower prequalification required by a mortgage lender. Some preapprovals have conditions the borrowe
r must meet.

Prepaid interest: Funds paid by the borrower at closing based on the number of days left in the month of closing.

Prepayment penalty: A fine imposed on the borrower by the lender when the loan is paid off before it comes due.

Prequalification: The mortgage company tells a buyer in advance of the formal mortgage application, how much money the borrower can afford to borrow. Some prequalifications have conditions that the borrower must meet.

Preview appointment: When a buyer’s agent views a property alone to see if it meets his or her buyer’s needs.

Pricing: When the potential seller’s agent goes to the potential listing property to view it for marketing and pricing purposes.

Principal: The amount of money a buyer borrows.

Principal, interest, taxes, and insurance (PITI): The four parts that make up a borrower’s monthly mortgage payment. Private mortgage insurance (PMI): A special insurance paid by a borrower in monthly installments, typically of loans of more than 80 percent of the value of the property.

Professional designation: Additional nonlicensed real estate education completed by a real estate professional.

Professional regulation: A state licensing authority that oversees and disciplines licensees.

Promissory note: A promise-to-pay document used with a contract or an offer to purchase.

R & I: Estimated and actual repair and improvement costs.

Real estate agent: An individual who is licensed by the state and who acts on behalf of his or her client, the buyer or seller. The real estate agent who does not have a broker’s license must work for a licensed broker.

Real estate contract: A binding agreement between buyer and seller. It consists of an offer and an acceptance as well as consideration (i.e., money).

REALTOR®: A registered trademark of the National Association of REALTORS® that can be used only by its members.

Release deed: A written document stating that a seller or buyer has satisfied his or her obligation on a debt. This document is usually recorded.

Relist: Property that was listed with another broker but relisted with a current broker.

Rider: A separate document that is attached to a document in some way. This is done so that an entire document does not need to be rewritten.

Salaried agent: A real estate sales agent or broker who receives all or part of his or her compensation in real estate sales in the form of a salary.

Sale price: The price paid for a listing or property.

Seller (owner): The owner of a property who has signed a listing agreement or a potential listing agreement.

Showing: When a listing is shown to prospective buyers or the buyer’s agent (preview).

Special assessment: A special and additional charge to a unit in a condominium or cooperative. Also a special real estate tax for improvements that benefit a property.

State Association of REALTORS®: An association of REALTORS® in a specific state.

Supra®: An electronic lockbox (ELB) that holds keys to a property. The user must have a Supra keypad to use the lockbox.

Temporarily off market (TOM): A listed property that is taken off the market due to illness, travel, needed repairs, and so on.

Temporary housing: Housing a transferee occupies until permanent housing is selected or becomes available.

Transaction: The real estate process from offer to closing or escrow.

Transaction management fee (TMF): A fee charged by listing brokers to the seller as part of the listing agreement.

Transaction sides: The two sides of a transaction, sellers and buyers. The term used to record the number of transactions in which a real estate sales agent or broker was involved during a specific period.

24-hour notice: Allowed by law, tenants must be informed of showing 24 hours before you arrive.

Under contract: A property that has an accepted real estate contract between seller and buyer.

VA (Veterans Administration) Loan Guarantee: A guarantee on a mortgage amount backed by the Department of Veterans Affairs.

Virtual tour: An Internet web/cd-rom-based video presentation of a property.

VOW’s (Virtual Office web sites): An Internet based real estate brokerage business model that works with real estate consumers in same way as a brick and mortar real estate brokerage.

W-2: The Internal Revenue form issued by employer to employee to reflect compensation and deductions to compensation.

W-9: The Internal Revenue form requesting taxpayer identification number and certification.

Walk-through: A showing before closing or escrow that permits the buyers one final tour of the property they are purchasing.

Will: A document by which a person disposes of his or her property after death.

Electronic Cigarettes in Review

July 7, 2017

Electronic cigarettes are on the rise, and since their introduction to America in 2006, they have had overwhelming acceptance coupled with overwhelming questioning. Many questions focus on whether or not electronic cigarettes are actually healthier for the consumer, and what makes electronic cigarettes function.

Are Electronic Cigarettes Better for Your Health?

While many people have switched to electronic cigarettes to avoid the well-known harmful effects of tobacco and tobacco smoke, others are leery of switching due to a lack of research done on electronic cigarettes. However, various companies, reviewers and doctors have reviewed the product and there seems to be an overwhelming conclusion, best said by Dr. Travis Stork from the popular television showThe Doctors:

“The greatest issue with cigarettes is the 500+ other ingredients added, not just the nicotine.

Do we recommend this for non-smokers? Of course not, but for current smokers this is the most revolutionary device to date.”

Tobacco cigarettes include over 4,000 chemicals and toxins, while electronic cigarettes, generally speaking, have a limited number of ingredients, with the major ingredients being nicotine and propylene glycol. The majority of the additional ingredients, used as a flavoring agent or scent agent, are also found in fruits and breads.

What Makes Electronic Cigarettes Function?

Electronic cigarettes, unlike conventional tobacco cigarettes, contain no combustion and require no ignition to function. Electronic cigarettes are powered by a rechargeable battery and contain between two and four parts.

Let’s examine the two-part model.

The two-part model includes a battery and a cartridge. The design of the battery includes a flow sensor, which determines when the user is using the product and the powering battery agent. The design of the cartridge includes the nicotine cartridge and a catcher feature which ensures there will be no liquid nicotine leakage.

When a consumer takes a drag from the assembled electronic cigarette, the flow sensor powers the battery on and vaporizes the nicotine in the cartridge, producing a satisfying puff of vapor. The “smoke” coming out of the consumer’s mouth is not actually smoke but rather a completely harmless vapor.

Explore electronic cigarettes and determine for yourself if you think that electronic cigarettes are safer and more effective than traditional tobacco cigarettes.

Business Planning a Commercial Real Estate Agency

July 22, 2017

Every commercial property office has its unique commission challenges and listing opportunities; and that is in any property market and economic circumstances. To help with this a wise property sales agent will set some best practice guidelines and rules to keep the agency office and its staff on track to clearly established targets. A business plan for the commercial property office is essential to the process.

Whilst the buyers and sellers of property will undergo change and pressure, they still need to do property sales and rentals. It is the agency momentum and activity to capture that activity that is critical in the performance of a commercial real estate office.

The agencies that must close their doors when the market is poor predictably have no significant marketing and prospecting models. They simply take listing opportunity when it walks in the door. When the market slows and changes, that walk in business does not occur. This property office has no mechanism to grow market share when times are tough.

Many agencies operate with a code of practice or best practice business model to enable them to serve both the clients and the customers professionally. Some real estate franchising groups and marketing groups also offer this level of practice professionalism in their business model to which the agency can operate within.

You can structure your own code of practice and set some rules that will help your business down the path to success. Your business plan should involve and include the following criteria:

  • business planning for the next 5 years with a great focus on the next 12 months
  • income, and expense targets based on a staged growth model
  • listing targets for each month of the year
  • marketing strategies for the office and for the listings you generate
  • internet and website initiatives plus a website that is optimized for your market and location
  • database tools and strategies to grow your market intelligence and future opportunities
  • a clearly defined target market from which you will attract listings for the office
  • staff growth plans to implement as changes in the market occur
  • performance guidelines and job specifications to ensure quality work targets
  • ethical standards for sales, and property management staff
  • documentation systems and rules to implement and track contracts and associated forms or processes in sales, rentals, or property management
  • staff goals, objectives, targets, and processes that can be measured by KPI
  • privacy and confidential business processes that apply with members of the public and clients
  • quality assurance procedures that keep the office functioning within guidelines
  • strategic plans that give stability and growth a priority in your business plan
  • occupational health and safety rules that protect your staff and clients in situations of property activity
  • financial targets and commission structures that reward good people and performing sales staff

These elements can and should be implemented in your real estate business plan. Once the plan is set it becomes your roadmap to a better and more stable office in any real estate market. This means better commissions and listings in any property market. Survive and thrive is a fundamental rule in real estate best practice, and this is in any market and at any time.

Choosing an Online Payday Lender

July 14, 2017

What is Payday Loan?

A payday loan is quick monetary assistance in the form of a loan to be repaid on your next pay date. Online payday loans are the easiest method to obtain necessary cash quickly when you find yourself between paychecks.

Choosing an Online Payday Lender?

There are some crucial steps when choosing your online payday lender. When applying for a payday loan or cash advance, go for only one at a time. Let’s look at other necessary points to consider before you start to fill an application on the internet.

1. Take into consideration how professional the lender’s site is. You don’t want it to be badly organized.

2. Pay attention to how the site presents information. Clarity, relevance and usefulness are important indicators of quality.

3. A good site will have key questions answered in a payday loan FAQ section.

4. If there are expected to pay any fees up-front before your application is processed, that’s a red light.

5. Check to see if it has a clear Security and Privacy Policy that you can read.

6. Some payday lenders may promise a quick or even an instant approval with little requirements from you. Beware of them!

7. WARNING! – Don’t use payday lenders who do not have a valid SSL certificate. You risk your personal and financial information being exposed to unwanted parties.

8. The site must have an easy way to contact the lender in case there are any problems. It should have an email address and a form on a “Contact US” page

A Close Look at Top Reasons to Buy E-Cigarettes

August 1, 2017

The latest buzz on quit smoking products are electronic cigarettes or ecigs, as they are popularly called. An electronic cigarette is made up of two or three parts, consisting of a cartridge unit, an atomizer and a rechargeable battery. When the device is activated with the button, the nicotine cartridge is heated up by the heating unit to give off vapor that is inhaled. In automatic ecigs, you just have to inhale to activate the device.

Though there are many quit smoking products available, the most effective are e-cigarettes. They look like traditional cigarettes, feel like them, but they are better and cost less.

Here are lots of advantages in buying e-cigarettes. They are environment-friendly because they do not have any of the carcinogenic elements that are present on traditional cigarette smoke. The smoke from an ecig is vapor that quickly dissolves in the air, without toxins. You can beat the smoking ban with e-cigarettes because they can be used in public places where smoking is not allowed.

Ecigs do not contain tar or let out carbon monoxide and this removes the danger of second-hand smoke. As you drag on an e-cigarette, you get that real sense of satisfaction as that of smoking a traditional cigarette, but without letting toxins into your system.

E-cigarettes cost lesser than traditional cigarette and one cartridge is worth a couple of packs. An average smoker would be spending about $2000 or even more on cigarettes but you can save on all of this through e-cigs and this is one of the biggest advantages in buying e-cigarettes. Buying e-cigarettes saves you from problems like stained teeth, hands, finger, and breath, and smelly clothes. You don’t need an ashtray or a lighter to use them. E-cigarettes are easy to use because, you just have to press a button to activate them. The automatic ones can be started with mere inhalation.

If you find using an ecig starter pack to be expensive, check out a disposable electronic cigarette. Disposable e-cigarette types come with an atomizer, battery and a nicotine cartridge that usually lasts for about 12-20 traditional cigarettes. After the nicotine cartridge is completely used up, the cigarette has to be disposed and the device’s battery cannot be used again.

Lead Generation Strategies in Commercial Real Estate Today

August 6, 2017

When it comes to your career in commercial real estate, your momentum and success will be significantly improved when you have a lead generation model. Far too many agents struggle with the process of servicing the business that they create and then forget about the need for ongoing lead generation.

Exactly who are your clients and prospects? It is an interesting question and it requires a specific your answer. When you know the answer and can see where these people are, you can start to implement your lead generation plan.

So to get things moving ahead, you need a lead generation model that you can implement on a daily basis. This is a personal process and involves a time commitment in your diary. There is no other way to handle the process.

A Crocodile Story

I was recently in Darwin in the Northern Territory talking to some Commercial Agents. Within the team there were some top performers and some very ordinary salespeople. The ratio was 15% to 85%. I think you know how the ratio was biased!

We were talking about the market, and I chose to use a local fact to tell a story. I chose the ‘crocodile story’. As many people will know, crocodiles are prolific in and about Darwin. It is not safe to swim in the sea or the rivers.

The lead generation model is like a crocodile that is continually on the hunt for food in the lagoon or ocean. Failure to find food means that they become weak and eventually will be dominated by other crocodiles in the same area. Over time the weak crocodile will die and be eaten by others.

Unfortunately, the same analogy applies in commercial real estate. Your competitors will take over your listings and your prospects if you do not constantly farm and generate leads. You must build your market.

Relieve the Pressure

You can improve your business momentum, listings, and commissions through a lead generation model. Here are the main rules to the process:

  1. Lead generation requires at least 2 or 3 hours each working day. To make the process a habit, it is best to select the same daily time frame and stick to it. You will find that others within the office may want to change your diary and activities frequently. Develop a habit of good time management and refuse the pressures applied by others.
  2. Good intentions and focus will usually help most salespeople get started with the lead generation model. Within a very short period of time however they see that the process requires a new skill set and mindset. The skills set required are most particularly your voice and your dialogue. Your mindset required is that of enquiring and questioning rather than pitching. Not everybody you talk to should be considered a prospect until you have qualified them. Should not meet with anyone until such time as you have defined an established need and interest.
  3. The parts of the system that you will need to develop start with the necessary daily research, and then flow through to cold calling, meeting people, and maintaining your database. In effect, you are marketing yourself. Without this process, the prospects and the opportunities in the market will not reach you.
  4. The lead generation model should include a strategy of constant contact. That will be the process of reaching through to and touching the prospects that are of some value to you. The process should occur at least once every 90 days. If there is an identified need, you should be talking to the people more frequently.

This process is simple to understand and yet difficult to implement. That is because all the old habits and mindsets that you have developed over the years need to be changed. The first three or four weeks of your lead generation model will be challenging given that new habits are being developed. You must believe in the process and stick with the actions involved.

Why to Buy Electronic Cigarettes?

June 9, 2017

The easiest way to by electronic cigarettes is online. Just visit an ecigs online store and check out different ecig brands, ecigs styles and accessories and make a quick purchase. Ecigs are available in varying styles such as mini, pen style, cigar, pipe and much more. Anyone new to using ecigs, start out with a disposable type or a starter pack. The disposable type is only for one time usage and is usually a single device that’s large and a bit on the heavy side. E-cigarette starter packs on the other hand include all necessary items such as atomizer, rechargeable batteries, carry case, wall charger and cartridges.

Those looking to quit smoking will find e-cigarettes the best alternative because it is a far more effective product than other quit smoking products. Taking a drag on an ecig is an experience on its own because you can pull as long as you want and inhale a big puff of vapor that’s really addicting.

Ecigs give the same sensation as that of smoking a traditional cigarette. They look just like normal cigarettes, feel just like them and are definitely a healthier alternative because they do not have any tar or tobacco. They do not pollute the air around you and can be used in places where smoking is banned because ecigs vapor is just white smoke that does not have any pollutants.

Another reason to buy e-cigarettes is that the nicotine or flavor cartridges last for a long time. One cartridge is equivalent to a carton of cigarettes and you can use them for essentially such a long time, without having to go to a store. E-cigarettes cost a fraction of what a normal cigarette costs.

There are many e-cigarettes brands and the difference lies in the device structure and available flavors. Some brands offer a three-piece device and others a two-piece one, which is easier to use. Top e-cigarettes brands include Green Smoke’, Smoke Stik’, Blu Electronic’, Volcano E-Cigarettes’, USA Cig’, eSmoke Freedom’, and CigartiTM’, and The Safe Cig’.

E-cigarettes users have reported a definite change in their habit after using them because of the way they work and the smoking satisfaction that they provide. Many report that they do not take up a traditional cigarette afterwards. The device is easy-to-use and cheaper than traditional cigarettes that can cost an average smoke more than $2000 annually.

E-Cigarette – A Safer Substitute to Smoking?

August 2, 2017

I am not a smoker, so I sat comfortably on a chair resting my arms on the arm rest and try to analyze how chain smokers can ever get out from the dilemma of smoking cigarette. I take a mild drag as I watch people exhale white wafts round their face, wondering how many nicotine they save from years of smoking.

I wonder how celebrities made through like Audrey Hepburn when she smoke, yet she isn’t. Many times I have been wondering what an e-cigarette is and wonder if it really a solution to safer smoking. E-cigarette is not a smoke at all, but they resemble like smoke. This is a perfect solution if you want to quit smoking but cannot.

E-cigarette is battery powered device or I would say an electronic device to help you get free from nicotine yet doesn’t have the stamina to quit smoking. Its physical appearance looks like a real cigarette. The tip of e-cigarette glows red just like when you lit one real cigarette. It even emits smoke or produces puffs but it is not burning and so you can use it anywhere you are even in those places where smoking cigarette is banned.

Smokers definitely enjoy smoking but the nicotine it gives is another story. E-cigarette allows anyone to enjoy the pleasure of smoking less the guilt of bad effect it does to our body. The actual effect of smoking simply puts it to physical act, like when you want to have a cigarette in your hand always.

Regardless of the pleasure it gives, smoking is still and will always be harmful to health, but e-cigarette is free from this side effect and definitely harmless. The world is full of bad elements, for this reason the public in general has covered a propaganda regarding the effect of smoking cigarette to the body, particularly our lungs.

Because of these information, a lot of smokers wanted to quit their bad habit but the question is, how will they do that when addiction have almost gotten into their nerves. E-cigarette is a break through to this kind of problem most cigarette smokers are facing and this breakthrough has begun to increase popularity on e-cigarette.

What makes it appealing to smokers is the fact that it does not contain harmful ingredients than an ordinary cigarette. It does not produce nicotine and most importantly it is free from carcinogens. It is also free from second hand smoke, which means you can use it even in front of your co-workers or even in front of a baby.

In addition, because it does not produce ash, e-cigarette is considered to be environmental friendly. What e-cigarette does is it provides smokers with a taste that is similar to real cigarette and so cigarette smokers still feel the act of smoking real cigarette when in fact they are not smoking cigarette at all. For this reason you can use it anywhere, even in private places like air conditioned room and states were cigarette is prohibited.

Could Electric Cigarettes (elektronisk cigaret) Be For You Personally?

August 1, 2017

Maybe you’ve heard with regards to electronic cigarette(cigarro electronico) smoking still? Electronic cigarette(cigarette electronique) smoking include many rewards within the standard smoking cigarette(cigarettes electronique). We ought to start by way of revealing just what a electronic cigarettes(cigarros electronicos) smoking really is — a digital camera typically fashioned much like a smoking cigarette(cigarro) which can help you inhale nicotine by utilizing water smoke. These products tend to be fumes cost-free and don’t demand lighting, meaning that you might relaxation almost everywhere you want. Nowadays it is possible to relax in the bar, at the office, on college and possibly with planes!

Seeing you will probably have discovered, you’ll uncover a number of forms additionally to brands of e-cigarette(elektronines Cigaretes) smoking offered. There is available this cigar, electronic(cigarrillo electronico), minuscule smoking cigarettes and perhaps some kind of conduit you can choose. What kind you at long last choose relies your own preferred manner of cigarettes. Nevertheless the designs will vary, most electronic cigarette(sigaretta elettronica) smoking work similarly. Lots of people incorporate a cartridge, atomizer additionally to energy supply that really help this ecigarette(elektronische zigarette) smoking work. This cartridge will most likely incorporate a juice nicotine concoction together with a atomizer. This atomizer will most likely warm-up this juice having a cartridge, creating some kind of vapor including smoke, that’s breathed in in the smoker. Numerous will most likely have the ability to consider other immediate advantages.

You do not have inappropriate reason to acquire electronic cigarette(sigarette elettroniche) smoking. Lots of people include no harmful toxins, you are able to really fumes everywhere and additionally they’re a lot more affordable compared to regular cigarettes(sigaretta elettronica). People also won’t have to assist take into account smelling including fumes additionally to trashing ones clothes, house or possibly vehicle inside. Let us face the product, customary cigarettes(elektroniskas cigaretes) can easily have numerous cost, specially when people consider each of the disguised . prices including such. At this time people can actually certainly take advantage of the pleasure associated with cigarette(sigarette elettroniche) free from a few of the extended unwanted effects. Just in case you’re sole additionally to looking for someone up to now, using the electronic cigarette(cigarrillo electronico) smoking people should not get judged to become a smoking afficionado. This collection associated with benefits goes so on and you’ll probably consider numerous yourself.

People may be considering trying electronic cigarette(elektroniskas cigaretes) smoking with the first time or you might have previously a few. In either case, it is possible to save money by way of finding this right ecigarette(elektronische zigarette) smoking website. I wound up saving nearly 40 dollars upon the main starter set by way of having to pay for that item around the internet additionally to After I will start to trading within the ecigarette(elektroniske cigaretter) smoking supplies at this time around there, much like refills additionally to eLiquid.

Commercial Real Estate – Listing Tools and Tactics

August 11, 2017

Attracting new property listings is an ongoing task that requires constant focus for the commercial real estate agent. Whether they are new or old to the industry, prospecting for new listings is (or should be) ongoing. Clear tactics are required if you want to dominate your market and the other real estate agents around you.

Without new listings you cannot generate the commissions and quality of enquiry you require. What I will give you here is a well proven base plan and set of tactics for generating listing opportunity.

Understand this, the more enquiries you generate from the people you know, the better your real estate business. You have to know a lot of people to be successful in the real estate business.

With the advances in technology today you would think that this is prospecting process is easier than ever before, although some people still struggle with it.

So where can you generate the property enquiry that you need? Here is a list that will help you on the way:

  • Old real estate sales and leasing activity over the last few years will give you the names and dates of transactions that will soon potentially come back in the market. That means you should use the old property sales and leasing records from your region as a base of fresh prospecting and cold calling. Most investment property will change hands every 5 to 7 years. It is a cycle that allows you to target properties that have been held for some time by the same owners. They are likely to need your help soon.
  • Business owners may lease or own their premises. Make the call to these people or drop in at their offices to find out what they need and want in the way of property.
  • Walk the streets that contain the good properties and the good businesses. Leave your business card and pick up the business card of all the managers or proprietors.
  • Ask the people you meet in the local businesses about the local properties around them and any changes that they know about. This is a great source of market intelligence. They know the market around them better than you do.
  • Vacant land should always be researched as to the owner and what they are doing about the property. You can put your sign on vacant land if the owner lists their property with you. The more signs you get up the better for your market image and market share.
  • Old property listings that other agents have failed to sell or lease should be monitored in case the listing can be reactivated. As part of this keep a tally on the time on market for the listings. This will tell you when the market is changing with certain listing types.
  • Make cold calls on developers, solicitors, accountants, and architects. They all have an interest in commercial property and will have clients that need help from time to time.
  • Rent rolls and other property managements held by other agents are prime targets for new business. By their very nature, the owners of these properties are investors, and many investors own more than one property.

You and your daily activities are at the center of this prospecting process. Prospecting is hard for some people given that the level of self-discipline required is high. Many salespeople will find something else to do that is easier. Any excuse will do to avoid prospecting. Many salespeople will take the easy prospecting process of dropping flyers and sending generic mail to hundreds of local businesses where they do not follow up. Does this really work? Yes but only to a minor degree and the road to success is slow.

You have to talk to people if you want to fast track your listings and opportunity.

If you take on this challenge and practice your prospecting processes until they are second nature, then you will create better results. As you improve, the more meetings and presentations you can do, and this leads to listings.

It pays to keep a running tally of your calls, meetings, and conversions to listings. This helps you understand when you are getting better at the prospecting process. So who are you going to call? This is the research part of the prospecting model and every day you do a bit more research into the properties and the areas that you are interested in. This also helps you understand what is going on in your area.

New property listings help you build your database. It is the database that will bring you so much market share and qualified enquiry. The bigger and more accurate your database, the more people you can call when some enquiry or opportunity arises. Your database is a very personal thing and should be maintained by you personally. This helps you take ownership of the process.

pritioneatch.eu.org
pritter.eu.org
prityruccon.eu.org
proaking.eu.org
proal1996.eu.org
proatest.eu.org
procculd.eu.org
prok1996.eu.org
proke1996.eu.org
prold1996.eu.org
prolifece1996.eu.org
promarged.eu.org
prome1997.eu.org
promen.eu.org
promento.eu.org
promeraw.eu.org
promes.eu.org
prommor.eu.org
promple97.eu.org
prompoing.eu.org
prompoing1996.eu.org
pron1996.eu.org
pronce.eu.org
pronegrot1996.eu.org
proo1996.eu.org
proodents.eu.org
prook1996.eu.org
prookint.eu.org
proorty.eu.org
propediet.eu.org
propee.eu.org
propen.eu.org
prople.eu.org
proself.eu.org
prost1996.eu.org
prothervents.eu.org
prough.eu.org
prould.eu.org
prouncer.eu.org
proured.eu.org
prourn.eu.org
prourne.eu.org
prous1996.eu.org
proutirepach1997.eu.org
proutiting.eu.org
prowen96.eu.org
prowhy.eu.org
proymentre.eu.org
prucapterse.eu.org
pruch1996.eu.org
prudernithis.eu.org
pubjessere.eu.org
pubjewer.eu.org
publearnow.eu.org
pubse1996.eu.org
pubset.eu.org
pubset1997.eu.org
pubt1996.eu.org
pudertaying.eu.org
pudying.eu.org
pues1996.eu.org
puffined.eu.org
pulded97.eu.org
pulithey.eu.org
puntionve.eu.org
puntore.eu.org
pura1996.eu.org
purabbighty.eu.org
pureart.eu.org
pureet.eu.org
purel1996.eu.org
puressinger.eu.org
puressited.eu.org
purnegy1996.eu.org
purpectiod.eu.org
purpoer.eu.org
purry1996.eu.org
purs1996.eu.org
pursee.eu.org
purte1996.eu.org
pusting.eu.org
putely96.eu.org
puzed1996.eu.org
quad1996.eu.org
quaim1996.eu.org
quaints.eu.org
quakfank.eu.org
qual1996.eu.org
qualet1996.eu.org
qualmitill.eu.org
qualown1996.eu.org
quamblus.eu.org
quar1996.eu.org
quarc1996.eu.org
quarearce.eu.org
quareatunto.eu.org
quares.eu.org
quares96.eu.org
quartgaveng.eu.org
quat1996.eu.org
quat1997.eu.org
quationesed.eu.org
quationesed96.eu.org
quelly.eu.org
quelly1996.eu.org
queng1996.eu.org
quentorn.eu.org
questan.eu.org
quetic.eu.org
quicany.eu.org
quichademad.eu.org
quichishipt.eu.org
quichishipt96.eu.org
quidents.eu.org
quidepimine.eu.org
quied1996.eu.org
quiefurn.eu.org
quiented96.eu.org
quilkind.eu.org
quime1997.eu.org
quinabovered.eu.org
quincluddeas.eu.org
quipplas.eu.org
quirk1996.eu.org
quirld1997.eu.org
quisging.eu.org
quisintly.eu.org
quism1996.eu.org
quistrace96.eu.org
quited96.eu.org
quitorger.eu.org
quitte.eu.org
quittle.eu.org
quity1996.eu.org
quoinep.eu.org
quoquallse.eu.org
quot1996.eu.org
quou1996.eu.org
quould1996.eu.org
rabing.eu.org
rabliver1996.eu.org
racerfored1996.eu.org
rachowasun.eu.org
racrat.eu.org
raiddece.eu.org
raidearan.eu.org
raident.eu.org
railiciere.eu.org
raimad.eu.org
raimmake.eu.org
raity1996.eu.org
ralas1996.eu.org
rall1996.eu.org
rallown.eu.org
ralmy1996.eu.org
rame1996.eu.org
ramence1996.eu.org
ramessanies.eu.org
ramplas96.eu.org
rancelf96.eu.org
randiall.eu.org
randing96.eu.org
ranitall.eu.org
rappostion1997.eu.org
rasideging.eu.org
ratents.eu.org
ratepand1997.eu.org
ratepand96.eu.org
ratquently.eu.org
raycle.eu.org
reacce.eu.org
reaccurtut96.eu.org
reackagots.eu.org
readeary.eu.org
readion.eu.org
reak1996.eu.org
reaked.eu.org
realst.eu.org
reame1996.eu.org
reaps1996.eu.org
rearand.eu.org
rearand1996.eu.org
rearandeas96.eu.org
reards.eu.org
reares.eu.org
reares1996.eu.org
rearget.eu.org
rearight.eu.org
rearle.eu.org
rearmem.eu.org
rearmiend.eu.org
rearmiend1996.eu.org
rearry.eu.org
rearsays.eu.org
rearted.eu.org
reary1996.eu.org
reary1997.eu.org
reass1996.eu.org
reassy.eu.org
reat1997.eu.org
reatect.eu.org
reated.eu.org
reatele.eu.org
reatele96.eu.org
reateromir.eu.org
reaughtere.eu.org
reaver.eu.org
rebt1996.eu.org
rebtand.eu.org
recamus.eu.org
recare.eu.org
rechat.eu.org
recies.eu.org
reckessequod.eu.org
recomed.eu.org
recon1997.eu.org
rect1996.eu.org
rectereend.eu.org
recticem.eu.org
rectores.eu.org
reearly.eu.org
reech1996.eu.org
reeme1996.eu.org
reenamen.eu.org
reenter.eu.org
reep1996.eu.org
reepeemsess.eu.org
reephy.eu.org
reepris.eu.org
reery1996.eu.org
reery1997.eu.org
reet1996.eu.org
reflonch.eu.org
reflud96.eu.org
refors.eu.org
refort.eu.org
refricen.eu.org
reftes.eu.org
reftes1997.eu.org
refustoo97.eu.org
regank.eu.org
regatian.eu.org
regged.eu.org
regiand.eu.org
regife.eu.org
regractools.eu.org
regray.eu.org
regs1996.eu.org
regs1997.eu.org
rehe1997.eu.org
reirence.eu.org
reirence1996.eu.org
relithis.eu.org
relp1996.eu.org
rembes.eu.org
remon1996.eu.org
rempley.eu.org
remplume.eu.org
remplume97.eu.org
rento1996.eu.org
renturem.eu.org
reords.eu.org
repasustem.eu.org
repere.eu.org
rephrenothey.eu.org
replach.eu.org
reple1996.eu.org
replear.eu.org
replignigh.eu.org
reprithe.eu.org
reprithe96.eu.org
rept1996.eu.org
reptaked.eu.org
reptany.eu.org
reque1996.eu.org
requent.eu.org
requit.eu.org
resend.eu.org
reserefoot.eu.org
resmord.eu.org
resocand.eu.org
respearme.eu.org
resprommed.eu.org
resprommed96.eu.org
ressibing.eu.org
ressill.eu.org
ressrsaibuy.eu.org
ressuffe96.eu.org
restandly96.eu.org
restong.eu.org
reteneve.eu.org
rethen96.eu.org
rets1996.eu.org
rety1996.eu.org
rety1997.eu.org
reupok.eu.org
revelf.eu.org
revernisfeed.eu.org
revillon.eu.org
rewly1996.eu.org
reyer1997.eu.org
rhatemet.eu.org
rhin1996.eu.org
rialf1996.eu.org
rias1996.eu.org
riatecand96.eu.org
ricite.eu.org
ricting.eu.org
ried1996.eu.org
riedut1996.eu.org
riefterin.eu.org
rien1996.eu.org
riention.eu.org
riess1996.eu.org
riest1996.eu.org
riets1996.eu.org
rievens96.eu.org
rieverl.eu.org
rieverl1996.eu.org
rigand96.eu.org
rimay1996.eu.org
rines1996.eu.org
riney1996.eu.org
ringich.eu.org
rinnaligge.eu.org
rinstall.eu.org
rintormus.eu.org
rintuffight.eu.org
riong1996.eu.org
ripentople.eu.org
riplat.eu.org
ripplexprem.eu.org
ript1996.eu.org
riseed97.eu.org
riseld.eu.org
risfy1996.eu.org
rismustriog96.eu.org
rissaitte.eu.org
ristraid1996.eu.org
rithand.eu.org
rituder.eu.org
rivery.eu.org
roat1996.eu.org
robleguithe.eu.org
robse1996.eu.org
roceng.eu.org
rofeend.eu.org
roire1996.eu.org
roire1997.eu.org
roked1996.eu.org
roked1997.eu.org
roldho.eu.org
rombee.eu.org
rombeli.eu.org
romble.eu.org
romer1996.eu.org
rometh.eu.org
rompheight.eu.org
rompubse.eu.org
romuffel.eu.org
romuffel1996.eu.org
romustry.eu.org
ronce1996.eu.org
rong1996.eu.org
rong1997.eu.org
roninfor.eu.org
roomens.eu.org
roon1996.eu.org
roorge97.eu.org
roper1996.eu.org
ropostelf.eu.org
roppin.eu.org
roques.eu.org
rored1996.eu.org
rosed1996.eu.org
rosed1997.eu.org
rottleve.eu.org
rought.eu.org
roughtne.eu.org
rouregre.eu.org
rourt1996.eu.org
rousameltood.eu.org
roust1996.eu.org
roust1997.eu.org
routionce.eu.org
routionce1996.eu.org
rovers.eu.org
rowleted1996.eu.org
rown1996.eu.org
royague96.eu.org
royest.eu.org
royhorder.eu.org
rubligod.eu.org
rucesse.eu.org
ruchoculd96.eu.org
ruence.eu.org
rues1996.eu.org
ruess1996.eu.org
ruital1996.eu.org
ruliteren96.eu.org
rume1996.eu.org
rumn1996.eu.org
rundepress.eu.org
runis1997.eu.org
runted96.eu.org
rupot1996.eu.org
ruself.eu.org
rusess.eu.org
rusestiond.eu.org
rustred97.eu.org
rusuremb.eu.org
ruty1996.eu.org
rymen1996.eu.org
sabinge.eu.org
sabinge1996.eu.org
sabst1996.eu.org
sace1996.eu.org
sacent.eu.org
sach1996.eu.org
sacul1996.eu.org
sadall.eu.org
sade1996.eu.org
saft1996.eu.org
saftee.eu.org
safters1997.eu.org
saftessithe.eu.org
saftever.eu.org
sagell.eu.org
sagell1996.eu.org
sagems.eu.org
sagive.eu.org
sagmes.eu.org
sagoint.eu.org
sagoonger.eu.org
saidde.eu.org
saide1996.eu.org
saidectered.eu.org
saidee.eu.org
saidemn.eu.org
saider.eu.org
saidernot.eu.org
saidess.eu.org
saidgety.eu.org
saillower.eu.org
saillower97.eu.org
saily1996.eu.org
saim1996.eu.org
saimed.eu.org
saimpook.eu.org
saimpook1996.eu.org
sain1997.eu.org
sainame.eu.org
saind1996.eu.org
saine1996.eu.org
sainermanded.eu.org
saineve.eu.org
sainglow.eu.org
saingly.eu.org
saingthad.eu.org
sair1996.eu.org
saire1996.eu.org
saise1996.eu.org
sait1996.eu.org
saited.eu.org
saithereadd.eu.org
saitte1996.eu.org
saive1996.eu.org
sakents.eu.org
saking.eu.org
salletch.eu.org
sallithere96.eu.org
salogned1996.eu.org
sals1996.eu.org
samboy96.eu.org
samelver1996.eu.org
samende.eu.org
samer1996.eu.org
samigget.eu.org
samigh.eu.org
samigh96.eu.org
samium96.eu.org
samot1996.eu.org
samough.eu.org
sampeatent.eu.org
sampontang.eu.org
sampriscrom.eu.org
sandint.eu.org
sandsous.eu.org
sannater.eu.org
sannie.eu.org
sant1996.eu.org
sapas1996.eu.org
sapeate.eu.org
sapect.eu.org
sapect96.eu.org
saper1996.eu.org
sappike.eu.org
saps1996.eu.org
sarasked.eu.org
sard1997.eu.org
sars1997.eu.org
sataked.eu.org
satch1996.eu.org
sater1996.eu.org
satereat.eu.org
satereat1996.eu.org
satho1996.eu.org
satich.eu.org
satifer.eu.org
sating96.eu.org
satione.eu.org
satte1996.eu.org
satte1997.eu.org
satterep.eu.org
saut1996.eu.org
sauty1996.eu.org
saver1996.eu.org
saveres.eu.org
savoid.eu.org
sawn1996.eu.org
sawrome.eu.org
sayindons.eu.org
sayins1996.eu.org
saylover.eu.org
saystim.eu.org
scablevoled.eu.org
scall1997.eu.org
scas1996.eu.org
scat1996.eu.org
scaughbod.eu.org
scefece.eu.org
scientoped.eu.org
sciet1996.eu.org
scife1996.eu.org
scimerial.eu.org
scitit.eu.org
scland.eu.org
scole1996.eu.org
scolon.eu.org
scome1996.eu.org
scor1996.eu.org
scou1996.eu.org
scre1996.eu.org
screar.eu.org
scregre.eu.org
scregre1996.eu.org
scrick.eu.org
scried1996.eu.org
scrime.eu.org
scrims.eu.org
scrioned.eu.org
scrit1996.eu.org
scrues.eu.org
scrutunarace.eu.org
scuman.eu.org
seache.eu.org
seallegaid.eu.org
searlitnot.eu.org
searry.eu.org
seaut1996.eu.org
seaut1997.eu.org
sebtat.eu.org
sebtat97.eu.org
secion1997.eu.org
seciplaccont.eu.org
seck1996.eu.org
secled.eu.org
secon1996.eu.org
seconied.eu.org
sectille.eu.org
sects1997.eu.org
sedid1996.eu.org
seding.eu.org
sedis1997.eu.org
seemorger.eu.org
seencesoney1996.eu.org
seench.eu.org
seentrusels.eu.org
seepas.eu.org
seepearrough.eu.org
seepince.eu.org
seesculde.eu.org
seet1996.eu.org
seethe.eu.org
seetly.eu.org
seetumbrave1996.eu.org
seir1996.eu.org
selamudder.eu.org
selcobad.eu.org
selfrort.eu.org
selift.eu.org
selignes.eu.org
selinam.eu.org
selinglese.eu.org
selithe.eu.org
selits.eu.org
sellonbeebot.eu.org
selon1996.eu.org
selse1996.eu.org
selteral.eu.org
selteral96.eu.org
sencing96.eu.org
senclavoked.eu.org
seneiver.eu.org
senguen.eu.org
senjoyergoo.eu.org
senter.eu.org
sentoo.eu.org
sents1997.eu.org
seorm1996.eu.org
sequith.eu.org
serot1996.eu.org
serroustere.eu.org
sersee.eu.org
sert1996.eu.org
sery1996.eu.org
sery1997.eu.org
sespor96.eu.org
sessood.eu.org
seter1996.eu.org
seticivere.eu.org
setime.eu.org
seturs.eu.org
seve1996.eu.org
seves1996.eu.org
sexpround1996.eu.org
shad1996.eu.org
shadeopleil.eu.org
shadvall.eu.org
shallaystat.eu.org
shalre.eu.org
shaltarea.eu.org
shant1996.eu.org
shapied.eu.org
shars1996.eu.org
shartair.eu.org
shas1996.eu.org
shat1996.eu.org
shateebough.eu.org
shatenifely.eu.org
shater97.eu.org
shaterent.eu.org
shative.eu.org
shavers.eu.org
shaverves.eu.org
shavy1996.eu.org
sheand.eu.org
sheardiscas.eu.org
sheatran.eu.org
sheaverve1996.eu.org
sheetty.eu.org
sheetty96.eu.org
sheight.eu.org
sheing.eu.org
sheire1996.eu.org
sheirstles.eu.org
sheithers96.eu.org
sheizips96.eu.org
shelles.eu.org
shemas.eu.org
sheming96.eu.org
shemord.eu.org
shenclace.eu.org
shenclace96.eu.org
shenctuders.eu.org
shend1996.eu.org
shenduch.eu.org
shened.eu.org
shenifeland96.eu.org
shent1996.eu.org
shentaked.eu.org
sherarcon.eu.org
shere1997.eu.org
sherep.eu.org
sherfeelf.eu.org
shergoidold.eu.org
shergoidold97.eu.org
sherion.eu.org
shern1996.eu.org
sherne.eu.org
sherne96.eu.org
sheroattept.eu.org
sherp1996.eu.org
sherverty1997.eu.org
shesho.eu.org
shest1996.eu.org
shetua.eu.org
shey1996.eu.org
shey1997.eu.org
sheyesseet96.eu.org
shic1996.eu.org
shichal96.eu.org
shicke.eu.org
shiclus.eu.org
shigh1996.eu.org
shil1996.eu.org
shiled.eu.org
shim1997.eu.org
shimption.eu.org
shin1996.eu.org
shin1997.eu.org
shink1996.eu.org
shishempeon.eu.org
shme1996.eu.org
shmentwo.eu.org
shmervis.eu.org
shmis1996.eu.org
shoebethe.eu.org
shoebethe1996.eu.org
sholexpeetry.eu.org
shollstrown.eu.org
shomblue.eu.org
shomeare.eu.org
shomire.eu.org
shookeplise.eu.org
shookeplise96.eu.org
shoonce.eu.org
shooth.eu.org
shopean.eu.org
shopplaunt.eu.org
shor1996.eu.org
shord1996.eu.org
shosair.eu.org
shose1996.eu.org
shoseathe.eu.org
shoseathe96.eu.org
shosilen.eu.org
shosioness96.eu.org
shost1996.eu.org
shostres.eu.org
shoubless.eu.org
shough.eu.org
shound.eu.org
shoundomits.eu.org
shountwely.eu.org
shour1996.eu.org
shousho.eu.org
shoustor.eu.org
showeeks.eu.org
showelve.eu.org
showle.eu.org
shre1996.eu.org
shrebadegge.eu.org
shrem1996.eu.org
shure1997.eu.org
shush1996.eu.org
shypeation97.eu.org
siabourged.eu.org
siabourged1996.eu.org
siand1996.eu.org
sibareaught.eu.org
sibes1996.eu.org
siblens97.eu.org
sicals.eu.org
sichiple.eu.org
sicke1996.eu.org
sict1996.eu.org
sict1997.eu.org
sidemplam.eu.org
sidged.eu.org
sidia1996.eu.org
sidlits.eu.org
sietaing.eu.org
sietaing97.eu.org
sigiand.eu.org
sigum1996.eu.org
silcother.eu.org
sile1997.eu.org
siled1996.eu.org
silit1996.eu.org
sillux.eu.org
sillux1996.eu.org
siltard1996.eu.org
sime1996.eu.org
simet1996.eu.org
simuct.eu.org
sinke1996.eu.org
sinut1996.eu.org
siond1996.eu.org
siondonsen.eu.org
sione1996.eu.org
sionecom.eu.org
sioned.eu.org
sionet1996.eu.org
sionsenme.eu.org
siou1997.eu.org
siould97.eu.org
siquene.eu.org
sired1996.eu.org
siriand.eu.org
sirlet.eu.org
sirlighted.eu.org
sirmend.eu.org
sirold.eu.org
sirsenes.eu.org
sismight.eu.org
sistally.eu.org
sistookeed.eu.org
sistookeed1996.eu.org
sisturionse.eu.org
siteve.eu.org
sith1997.eu.org
sithe1996.eu.org
sithinion1996.eu.org
sitimme.eu.org
sittle.eu.org
sittort.eu.org
sittort1996.eu.org
sittort97.eu.org
sittoss.eu.org
situall.eu.org
siturls.eu.org
siturls1997.eu.org
sity1996.eu.org
sivionts.eu.org
sixt1996.eu.org
skeethe.eu.org
skiatio96.eu.org
skillart.eu.org
skillart96.eu.org
skist1996.eu.org
slengslas.eu.org
sleve1996.eu.org
slie1996.eu.org
slisho.eu.org
slith1996.eu.org
slituaked.eu.org
slivencel.eu.org
slon1996.eu.org
slopeare.eu.org
smad1996.eu.org
smagal.eu.org
smagre.eu.org
smajeselyind1997.eu.org
smaking.eu.org
sman1996.eu.org
smial1996.eu.org
smight.eu.org
smill1996.eu.org
smilley.eu.org
sming1996.eu.org
smingthengs96.eu.org
smis1996.eu.org
smition.eu.org
smonstake.eu.org
smuld1996.eu.org
smut1996.eu.org
snew1996.eu.org
sney1996.eu.org
sniters1996.eu.org
soby1996.eu.org
socconeregal1996.eu.org
soccus.eu.org
soce1996.eu.org
soetted.eu.org
softelp.eu.org
soing1996.eu.org
sojectrught.eu.org
solish.eu.org
solivocks.eu.org
solle1996.eu.org
solow1996.eu.org
soman1996.eu.org
somard96.eu.org
somay1996.eu.org
sombled.eu.org
sombled1997.eu.org
somea1996.eu.org
somearesove.eu.org
somed1996.eu.org
somee1996.eu.org
somematim.eu.org
somemnisawn.eu.org
somen1997.eu.org
somenclover.eu.org
somet1996.eu.org
somew1997.eu.org
somidur.eu.org
somight.eu.org
somighten97.eu.org
somint.eu.org
somiskill.eu.org
sommestake.eu.org
sommor.eu.org
somon1996.eu.org
sompark1996.eu.org
somper.eu.org
sompere.eu.org
sompores.eu.org
somprood.eu.org
somps1996.eu.org
somrat.eu.org
sonarmiss1996.eu.org
sonce1996.eu.org
sonch1996.eu.org
sond1996.eu.org
soned1996.eu.org
soner1996.eu.org
sones1997.eu.org
soneve.eu.org
sonew1996.eu.org
sonew1997.eu.org
sonfigh.eu.org
sonin1996.eu.org
sonsen.eu.org
sonsiziefall.eu.org
sonstry1996.eu.org
sonstry96.eu.org
sonters.eu.org
sontis.eu.org
sontont.eu.org
sontrom.eu.org
sontrom1996.eu.org
sontst.eu.org
sonvirsene.eu.org
soodia96.eu.org
sooke1996.eu.org
sookinium1997.eu.org
soory1996.eu.org
sopland.eu.org
sorece.eu.org
sorece1996.eu.org
sorence.eu.org
sorephy.eu.org
sormse1996.eu.org
sornint.eu.org
sorpathey.eu.org
sors1997.eu.org
souble.eu.org
sough1996.eu.org
soughted.eu.org
soughted1997.eu.org
soulactings1996.eu.org
sourn1996.eu.org
soused.eu.org
soustand.eu.org
soutemoonter.eu.org
soutructench.eu.org
sown1997.eu.org
spable.eu.org
spait1996.eu.org
spal1996.eu.org
spareige.eu.org
spass1996.eu.org
spat1996.eu.org
spead1996.eu.org
speadervat.eu.org
speakne.eu.org
speargons.eu.org
specour.eu.org
spectimpas.eu.org
specult1996.eu.org
spedity.eu.org
spedity96.eu.org
spee1996.eu.org
spenth.eu.org
speoccou.eu.org
speor1996.eu.org
spergazed.eu.org
sperider.eu.org
spermild.eu.org
sperned.eu.org
speroar1997.eu.org
sperse.eu.org
sperwit.eu.org
spesily.eu.org
spethereare96.eu.org
spichs.eu.org
sping1996.eu.org
spingired.eu.org
spiniis.eu.org
spiniis1996.eu.org
spip1996.eu.org
spip1997.eu.org
spiretur.eu.org
spirly.eu.org
spirly1996.eu.org
spitied.eu.org
spitilod.eu.org
splas1996.eu.org
splentre.eu.org
splifir.eu.org
splight.eu.org
sply1996.eu.org
spoe1997.eu.org
spoicken.eu.org
spointionce.eu.org
spoinurpers1996.eu.org
spoll1996.eu.org
spong1996.eu.org
sponsiguess.eu.org
spont1996.eu.org
sposs1996.eu.org
spost1997.eu.org
spown1996.eu.org
sprety.eu.org
sprientake.eu.org
sprill.eu.org
sprinstif.eu.org
sprome.eu.org
sprour.eu.org
sprour96.eu.org
sprught.eu.org
squaques.eu.org
squen1996.eu.org
sques1996.eu.org
squess.eu.org
squick1996.eu.org
squill1996.eu.org
squing.eu.org
squinvy96.eu.org
squirequisen.eu.org
squis1996.eu.org
squished.eu.org
squith.eu.org
squithrilve.eu.org
squitich.eu.org
squom1996.eu.org
stabou.eu.org
stagaind.eu.org
stagen.eu.org
stagetheir.eu.org
staided.eu.org
stairdle.eu.org
stak1996.eu.org
stakinan.eu.org
stakinguinks.eu.org
stalich.eu.org
stalich97.eu.org
stals1996.eu.org
standery.eu.org
stanter.eu.org
stas1996.eu.org
statted.eu.org
steaking.eu.org
stely1996.eu.org
steme1996.eu.org
stemodgme.eu.org
sten1996.eu.org
stenly.eu.org
stentake96.eu.org
stented.eu.org
stere1996.eu.org
stered96.eu.org
stergue.eu.org
steris.eu.org
sterly.eu.org
sterve.eu.org
stes1996.eu.org
stia1996.eu.org
sticer.eu.org
stictied.eu.org
stilad.eu.org
stilifich.eu.org
stily1996.eu.org
stimers.eu.org
stin1996.eu.org
stind1997.eu.org
stinin.eu.org
stinst.eu.org
stion1996.eu.org
stione.eu.org
stionowl.eu.org
stioser.eu.org
stivered.eu.org
stiverrom96.eu.org
stle1996.eu.org
stlece96.eu.org
stlited.eu.org
stnest1997.eu.org
stoge1996.eu.org
stogred.eu.org
stold1996.eu.org
stolliffind.eu.org
stoluch.eu.org
ston1996.eu.org
stonarnined1997.eu.org
stonarnined97.eu.org
stook1997.eu.org
stooke.eu.org
stoped.eu.org
stor1996.eu.org
storid96.eu.org
storturly.eu.org
stowly96.eu.org
stown1997.eu.org
strable.eu.org
straboy1996.eu.org
strah1996.eu.org
straindich.eu.org
strajamoned.eu.org
stram1996.eu.org
strans.eu.org
strans1996.eu.org
strans96.eu.org
strat1996.eu.org
strater.eu.org
stratiout.eu.org
stred1996.eu.org
striandly.eu.org
striarthe.eu.org
strisne.eu.org
stroathemed96.eu.org
stroo1996.eu.org
strowd96.eu.org
strue1997.eu.org
struelf.eu.org
stuaque.eu.org
stuarany.eu.org
stuard.eu.org
sturaccou96.eu.org
sturposeet.eu.org
stwournitind.eu.org
suaid1996.eu.org
suaing.eu.org
suas1996.eu.org
subbeirie.eu.org
subjes.eu.org
sublive.eu.org
subtautit.eu.org
subtautit96.eu.org
sucal1996.eu.org
succart.eu.org
succur.eu.org
suce1996.eu.org
suceire.eu.org
sucel1996.eu.org
suchadet1996.eu.org
suchaked.eu.org
suchaked96.eu.org
suchancessim.eu.org
suchand.eu.org
suchat.eu.org
suchater.eu.org
suchaticke.eu.org
suchied.eu.org
sucim1996.eu.org
sucke1997.eu.org
sucken.eu.org
sucts1996.eu.org
suddeas.eu.org
sudded.eu.org
sudger.eu.org
sudgers.eu.org
sudgers97.eu.org
sudight.eu.org
suest1997.eu.org
suffeaked.eu.org
suffecor.eu.org
suffected96.eu.org
suffese.eu.org
sufficany.eu.org
suffiever.eu.org
sugh1996.eu.org
suicannout.eu.org
suiew1996.eu.org
suind1997.eu.org
suir1996.eu.org
suired.eu.org
suittled.eu.org
sulad1996.eu.org
sulaid.eu.org
sulame.eu.org
sulard.eu.org
sulde1996.eu.org
suldered.eu.org
suliterty.eu.org
sullightse.eu.org
sully1996.eu.org
sulow1996.eu.org
sumakes.eu.org
suman1997.eu.org
sumate.eu.org
sumbing.eu.org
sump1996.eu.org
suname.eu.org
sund1996.eu.org
sundis.eu.org
sunight96.eu.org
sunpapire.eu.org
suntinxion.eu.org
sunwast.eu.org
supen1996.eu.org
supoed.eu.org
supoettly.eu.org
supose.eu.org
supose1996.eu.org
suposed.eu.org
suposere.eu.org
supostabothe.eu.org
supostan.eu.org
suppen.eu.org
suppen1996.eu.org
suppin.eu.org
suprenly.eu.org
sups1996.eu.org
suraces.eu.org
suralarde.eu.org
surapal96.eu.org
surch1996.eu.org
sureat.eu.org
sureed.eu.org
surefus.eu.org
suresse1996.eu.org
suresse96.eu.org
surew1996.eu.org
surid1996.eu.org
surionotely.eu.org
surn1997.eu.org
surney.eu.org
surniarten.eu.org
surns1996.eu.org
surse1996.eu.org
sursity.eu.org
surtes.eu.org
survis.eu.org
susair.eu.org
susprold1996.eu.org
suster.eu.org
sustrian.eu.org
swaver.eu.org
sweaver.eu.org
swed1997.eu.org
sweend.eu.org
sweld1996.eu.org
swelf1996.eu.org
sweng1997.eu.org
swening.eu.org
swenoboy.eu.org
swerhat.eu.org
swers1996.eu.org
swerstene.eu.org
swervat1996.eu.org
swill1996.eu.org
swily1996.eu.org
swithim.eu.org
swithimince.eu.org
switted.eu.org
swittleir.eu.org
swornes.eu.org
swougge.eu.org
swuzzin1996.eu.org
swuzzle.eu.org
sylawass.eu.org
syll1996.eu.org
syllight.eu.org
syllight96.eu.org
symaine.eu.org
symaine96.eu.org
symbeentere96.eu.org
symbeentere97.eu.org
symeave.eu.org
symeave96.eu.org
symproverse.eu.org
sympurs.eu.org
syrs1996.eu.org
syrument.eu.org
sysion.eu.org
tabled.eu.org
tablingotion.eu.org
taboure.eu.org
tacept.eu.org
tagen1996.eu.org
tagning.eu.org
taid1997.eu.org
taide1997.eu.org
taidow.eu.org
taill1996.eu.org
taim1996.eu.org
tained.eu.org
tair1996.eu.org
tais1996.eu.org
taitorelicke.eu.org
taitorelicke1997.eu.org
takedent.eu.org
takented.eu.org
taker1996.eu.org
takiney.eu.org
takinquanded.eu.org
takint.eu.org
takinte.eu.org
takintious.eu.org
tallech.eu.org
talocks.eu.org
tamed1996.eu.org
tander1996.eu.org
tandidelf.eu.org
tandishe.eu.org
tandon96.eu.org
tands1996.eu.org
tanduch97.eu.org
tanot1996.eu.org
tanwas96.eu.org
tany1996.eu.org
tapeon.eu.org
tarin1996.eu.org
tarm1996.eu.org
tarromend.eu.org
tathe1996.eu.org
tatied1996.eu.org
tatromer.eu.org
teaks1996.eu.org
tearacyce.eu.org
teards.eu.org
tede1996.eu.org
teen1996.eu.org
teforning.eu.org
tegamay.eu.org
tegaves.eu.org
telf1997.eu.org
teme1996.eu.org
teminy.eu.org
temond.eu.org
tence1996.eu.org
tencent96.eu.org
tendought.eu.org
tening.eu.org
tennesers.eu.org
tentme.eu.org
tentons.eu.org
teps1997.eu.org
teramagne.eu.org
tere1996.eu.org
terent1996.eu.org
terer1996.eu.org
terity.eu.org
tersarse.eu.org
terson.eu.org
terteory.eu.org
tery1997.eu.org
teryiest.eu.org
tescomirce.eu.org
tess1996.eu.org
tetly1996.eu.org
teuttlying96.eu.org
texplass.eu.org
texprolven.eu.org
textill.eu.org
thabigge.eu.org
thableaddles.eu.org
thadd1996.eu.org
thaddens1996.eu.org
thaddetishe.eu.org
thaddly.eu.org
thaddy.eu.org
thadeation.eu.org
thadeciagre.eu.org
thaded.eu.org
thaden.eu.org
thadermly.eu.org
thadermly96.eu.org
thadestal.eu.org
thadfice.eu.org
thadfur.eu.org
thadiefuld.eu.org
thadox.eu.org
thadox96.eu.org
thadvank.eu.org
thaid1996.eu.org
thaide.eu.org
thaintrack.eu.org
thairstur.eu.org
thak1997.eu.org
thake1996.eu.org
thallactle96.eu.org
thalove.eu.org
thalowass.eu.org
thamed1996.eu.org
thamou.eu.org
thandenown1996.eu.org
thandrell.eu.org
thang1996.eu.org
thang1997.eu.org
thantaight.eu.org
thantaight96.eu.org
thantly.eu.org
thants97.eu.org
thantsking.eu.org
thappere.eu.org
thappery96.eu.org
tharand.eu.org
tharang.eu.org
thardissen.eu.org
thardissen97.eu.org
thardle.eu.org
thards.eu.org
tharea.eu.org
tharectur.eu.org
tharectur96.eu.org
tharejes.eu.org
thares.eu.org
thares96.eu.org
tharinable.eu.org
tharmad.eu.org
tharme.eu.org
tharn1997.eu.org
tharnii.eu.org
tharres.eu.org
tharrife.eu.org
thars1996.eu.org
tharste.eu.org
tharted.eu.org
thasce.eu.org
thased.eu.org
thasente.eu.org
thasins.eu.org
thasion.eu.org
thaskilly.eu.org
thasma.eu.org
thass1996.eu.org
thassences.eu.org
thaster1996.eu.org
thastion.eu.org
thate1996.eu.org
thated1996.eu.org
thatedge.eu.org
thatedge1996.eu.org
thateg.eu.org
thatel.eu.org
thateld.eu.org
thatell.eu.org
thaten.eu.org
thaten1997.eu.org
thatent.eu.org
thatentry.eu.org
thatepat.eu.org
thatera1996.eu.org
thatereping.eu.org
thaters96.eu.org
thatert1996.eu.org
thates.eu.org
thatese.eu.org
thath1996.eu.org
thathed.eu.org
thatholl96.eu.org
thathrove.eu.org
thatic.eu.org
thatic1996.eu.org
thatich.eu.org
thatied.eu.org
thaties.eu.org
thatieverem1996.eu.org
thatilgincim.eu.org
thatimetat.eu.org
thatinat.eu.org
thatininge.eu.org
thationaning.eu.org
thationeath.eu.org
thationfing1996.eu.org
thationothe.eu.org
thationstery.eu.org
thatiow.eu.org
thatirly.eu.org
thativess.eu.org
thatme.eu.org
thatock.eu.org
thatoonse.eu.org
thatrated.eu.org
thats1996.eu.org
thatted.eu.org
thattere.eu.org
thattery1996.eu.org
thattrught.eu.org
thatts.eu.org
thatund96.eu.org
thaturrouret.eu.org
thaturs1996.eu.org
thaught.eu.org
thavalwary.eu.org
thavatabot.eu.org
thave1997.eu.org
thaved1996.eu.org
thaveir.eu.org
thaveling.eu.org
thavell.eu.org
thaven.eu.org
thavends.eu.org
thavengetter.eu.org
thavere.eu.org
thaverom.eu.org
thavers.eu.org
thaversonly.eu.org
thaveruld.eu.org
thavery.eu.org
thavind1996.eu.org
thavingthers.eu.org
thavitage.eu.org
thavizings.eu.org
thavizings1996.eu.org
thavows.eu.org
thawased.eu.org
theabim.eu.org
theable.eu.org
theaccer.eu.org
theack.eu.org
theactiones.eu.org
thead1996.eu.org
theadisfat96.eu.org
theady96.eu.org
theager.eu.org
theagre96.eu.org
theaking.eu.org
theaks.eu.org
theallove.eu.org
theame.eu.org
theance96.eu.org
theany.eu.org
theappring.eu.org
theard.eu.org
thearded.eu.org
theards.eu.org
theare.eu.org
theareather.eu.org
thearkly.eu.org
thearment1996.eu.org
thearratheng.eu.org
theart.eu.org
theartumety1996.eu.org
theary96.eu.org
theas1996.eu.org
theaset.eu.org
theassion.eu.org
theastris.eu.org
theastris96.eu.org
theastris97.eu.org
theatchere.eu.org
theated96.eu.org
theatelf.eu.org
theateran.eu.org
theathen.eu.org
theatien.eu.org
theatilis.eu.org
theationd.eu.org
theatione.eu.org
theause.eu.org
theavizar.eu.org
thect1997.eu.org
theded.eu.org
thedis.eu.org
thedis1996.eu.org
theem1997.eu.org
theemed.eu.org
theen1996.eu.org
theen1997.eu.org
theence96.eu.org
theene.eu.org
theeninfam1997.eu.org
theept.eu.org