태터데스크 관리자

도움말
닫기
적용하기   첫페이지 만들기

태터데스크 메시지

저장하였습니다.

Posted by 못된준코 Posted in " 주부를 위한 재테크[연재] "   2010.06.21 01:13

주부들을 위한 재테크! 변액연금이란 무엇인가요?


오늘은 연재 중인 주부들을 위한 재테크 세번째 시간이네요. 요즘....연금보험의 인기가
하늘을 찌를 듯 높아지고 있는데...이번엔 개인연금 상품 중...
변액유니버셜에 대해 간략하게 설명해볼까 합니다.


변액유니버셜에 대해 설명하고자 하는 이유는...주부들이 선택해야 할 금융상품 중 그나마..
               손쉽게 다가설 수 있는 상품이고 가장 큰 장점이라면 종합 금융형 보험이기 때문입니다.


변액유니버셜보험의 기본기능을 보면...
보험 보장기능,은행 입,출금기능,투신 투자기능...
이렇게 3가지로 분류를 할 수가 있는데...


위의 이미지를 보면 이해가 빠르겠지만......
아래 간략하게 내용을 적어보자면...다음과 같은 유여한 기능들이 있습니다.


자유입금 : 경제적 어려움이 있을 때 납입 중지 가능(24개월 후)
                경제적 여유가 있을 때 추가납입 가능

자유출금 : 계약자 적립금 중 일정부분 자유로운 출금 가능
                월 2회/ 연 12회, 1회 인출금액은 계약자적립금의 50%까지 가능

연금전환 : 주택,자녀의 교육,결혼 등 중/장기 목적자금을 해결했다면
                사망시까지 평생 지급되는 연금으로 풍요로운 노후 보장.


변액니버셜보험의 기능 중 또 투자기능을 보면.....Cost Averaging(매입가격 평균) 효과라는 것이 있는데....
동일금액을 정기적으로 투자하면 주가가 낮을 때는 주식이나 주식형 펀드의 매입량을 늘리고 주가가 높을때는
매입수량을 줄이기 때문에 매입가격 평준화로 분산투자효과가 발생하게 됩니다.

특히.......주식시장은 등락을 거듭하면서 움직이기 때문에 평균매입 가격인하 효과가 발생하며...
이와 같은 매입가격 인하 효과로 투자수익률 또한 높힐 수 있다는 장점도 있습니다.


사실...변액유니버셜보험은 1956년 히딩크의 나리인 네덜란드에서 보험금의 실질가치를...
보전하기 위해 최초로 도입이 됐죠.
펀드운용실적에 따라 보험금이 변동돼 돈가치 하락을 걱정하는 가입자에게..
유리한 상품인데 운용실적이 마이너스로 떨어지더라도 계약당시 설정한 사망보험금을..
최저보장 받을 수 있어 수익률과 안정성을 동시에 기대할 수 있다는...아주 큰 메리트를 가지고 있습니다.

요즘 들어 변액유니버셜보험이 선풍적인 인기몰이를 하고 있는 이유를 보면....예전에는..
               고수익 고위험인 양날을 가진 장단점이 있지만 최근 들어 안정성을 고려하여 설계되어진..
               상품들이 출시되고 있고 알려진 바와 같이 분산투자와 장기투자..그에 따른 복리이자효과로
               돌아오는 연금혜택 등은 ....노후를 준비하는데 있어 가장 유기적인 자산운용 상품이기 때문이죠.


고수익과 손실을 동시에 가지고 있는 상품이긴 하지만......
종합형 금융상품으로 볼 때 충분히 투자가치가 있고....
장기간으로 가져갈 경우....
상상할 수 없을 만큼의 복리이자 효과를 볼 수 있기 때문에...주부들이 기본적으로 해야 할..
재테크 중 이만한 상품도 드물다고 보는 것이 맞습니다.




변액유니버셜보험 무엇을 체크해야 하는가?





  • 변액유니버셜 가입 요령

펀드운용회사의 투명성, 수익률, 안정성을 최우선으로 검토한다.
보험료의 펀드투입비율, 사업비 비중을 비교 선택한다.
재정상황을 고려한 투자가능금액과 자금운용, 시뮬레이션을 예상한다.
객관적인 기준에 의거하여 각사별 운용성과를 파악한다.
나의 투자성향을 반드시 체크하고 적합한 펀드운용계획을 세운다.
공신력 있고 검증된 판매자격자와 충분한 상담을 거친다.


 

  • 변액유니버셜 가입보다 사후관리가 더 중요하다.(지속적인 체크사항)

특별계정의 투자목적 및 운용전략
집합투자사업자, 신탁사업자, 일반사무관리회사 등 업자에 관한 사항 및 수수료
해당 특별계정의 투자운용인력에 관한 사항
과거운용실적에 관한 사항
특별계정의 재산은 신탁사업자에 따라 신탁업자의 고유재산과 분리,안전하게 보관관리되는지의 사항
신탁업자,집합투자업자의 준법감시인 및 회계감사인이 집합투자재산을 적법운용여부를 감시하는 사항
해외형 특별계정에 투자하는 경우 환율변동에 따른 자산가치의 변동,손실가능성에 관한 사항




변액유니버셜의 장/단점은?





변액유니버셜 VUL의 단점

1. 실적배당형 상품이므로 원금 손실이 발생할 우려가 있다.
2. 해약환급금의 최저보증이 이루어 지지 않는다.



변액유니버셜 VUL의 장점

1.인플레이션 Hedge 기능
2.수익 손실 방지 (펀드변경 가능)
3.Cost Averafing(매입가격 평균 효과)
4.합법적인 절세(인출 시 또는 10년 경과시 비과세)
5.복리개념(누적수익율, 세금지급분도 포함)
6.종합 금융형 보험 상품 (은행 + 투신 + 보험)

참고] 연금보험을 결정할때 가장 중요한 건 자신의 투자성향이다. 리스크를 줄이고 안정적으로 노후대비만 할 것인지, 리스크가 있지만 공격적으로 투자해 노후대비와 목돈도 함께 마련할 것인지에 따라 필요한 상품이 달라지는데... 일반적으로 안정성(일반 연금보험), 안정성+수익성(변액연금보험), 수익성(변액유니버셜보험) 으로 나뉜다.
 
일단 일반연금보험은 공시이율에 따라 연금수령액이 결정되는 안정적인 보험상품으로써 큰 이익을 기대하긴 힘든게 특징이다. 특히 요즘같이 공시이율이 낮은 상황에서는 원금보존도 힘든게 사실이다.
변액유니버셜보험은 어떨까? 2008년도 2/4분기까지 증시의 호황으로 인기가 많았던 변액유니버셜보험도 2008년 겨울부터 흔들리기 시작해 많은 펀드가입자와 개미투자자에게 큰 손해를 입혔다.
 
이에 반해 변액연금보험은 펀드투자 수익에 따라 연금 수령액이 결정되는 보험상품으로 좀 더 공격적인 투자가 가능하고 수익율이 마이너스가 되더라도 연금으로 수령시 원금의 200% 까지 보증이 가능해 수익성과 안정성을 모두 지닌 효과적인 상품이다.





재무전문가가 얘기하는 가장 인기좋은 변액유니버셜보험




금융쪽에 종사하는 지인이 있어 이부분은 직접 자문을 구하고....
자료를 요청했는데...

현재 변액유니버셜보험 중 가장 많은 사람들이 가입하고...
또한 가장 혜택을 많이 받을 수 있는 보험사는 메트라이프라고 하더군요.
예정이율이이나...다른 보험사와 비교해놓은 자료가 있어..아래 올려두니 참고하세요.





메트라이프 변액유니버셜 관련 내용

1. 업계평균(4.1%)을 훨씬 상회하는 예정이율(5.5%)을 통한 보험료 인하 효과(20~30%)  추가보장 강화, 투자여력 확대

2.  12.31이후 고액계약 할인 적용 주계약 가입금액 기준, 2억원 ~ 2억9,600만원 -> 1%, 3억원 ~ 3억9,500만원 -> 2%, 4억원 이상 -> 3% + 자동이체 할인 1%

3.  유지보증테스트 제도 : 월대체공제가 안되는 상황에서, 실효가 나는 것이 아니라 매월말 보증테스트를 거쳐 
'종신 -> 80세 -> 65세 -> 실효'과정으로 보장기간이 단축되면서 추가 보장 유지(보장기간 연장)
80세 정기보험 또는 65세 정기보험을 가입하는 것보다 메트라이프   마스터플랜VUL종신의 80세 또는 65세 보장기간 단축을 선택하는 것이 유리함. 
(이는 정기보험의 예정이율은 4.0% 수준 VS. 마스터플랜VUL종신 예정이율은 5.5%를 적용하기 때문)

5. 정기보험화 후, 다시 니즈변화(보장기간의 연장)시, 연장 및 복원 가능
(<- 보험료 납입 재개 및 필요시 복원절차)  ← 연장정기와의 차이 종신 → 정기 → 종신

6. 위험보험료 부과방식 : 매월 위험보험료를 <가입금액 – 계약자적립금>으로 차감하므로, 시간이 경과되면서 적립금 규모가 늘어 가면서 위험보험료 부담이 줄어드는 구조로 되어 있고, 계약자적립금이 가입금액을 넘어서는 시점 이후에는 위험보험료 부담에서 벗어나게 되므로, 적립금 또는 환급율에서 일정기간 경과후 유리해 짐 (시간이 경과되면서 가산보험금 또는 변동보험금이 늘어나는 만큼 위험보험료 부담이 늘어나는 상품에 비해)

7. 부활 가능 : 실효 또는 계약유지보증 개시일로부터 2년 이내

8. 주계약 최소금액(30세 이상 3천만원) 가입해도 특약 'Fully' 가입가능
     예> 주계약 3천만원 가입 후 특약 가입 가능금액
           정기특약 10억원, 수입보장특약 10억원, 암치료특약 3천만원,   
           특정성인병진단특약 2천만원, 특정질병치료특약 2천만원,
           수술특약 1천만원, 재해사망특약 5억원, 재해상해특약 3억원,
           입원특약 5천만원(1일당 5만원)

9. 납입면제 : 피보험자가 50%이상 80%미만인 장해 발생시 차회 이후   보험료 납입기간까지 기본보험료 면제
    (주계약보험료 납입 면제된 경우에 특약의 보험료 납입도 면제)


재무전문가에게 직접 요청한 자료이니....충분히 신뢰도 있는 자료라고 생각해도 되실겁니다.
아무튼...요즘 변액유니버셜에 대해 고민하신 분들이 많이 계신거 같은데...
노후를 대비하고...
재테크의 기능이 있는 만큼...
변액유니버셜보험의 선택시...신중하고 또 신중하게 선택하시길 바랍니다.

혹...무료로 연금관련 포트폴리오부터 노후대책,내집마련까지...재무설계까지 무료로 제공받고 싶으신 분들은..
아래의 리더스리치 재무설계센터에서 무료재무설계를 해주고 있으니 잘 활용하시기 바랍니다.

리더스리치 재무설계센터[링크] 재테크부터 내집마련설계까지 금융 전분야 무료재무설계와 포트폴리오 제공.








 


댓글을 달아 주세요

  1. 이전 댓글 더보기
  2. There are many styles amongst the Louis Vuitton handbags. For those who think that the Louis Vuitton Monogram is the design of the brand, bolsas louis vuitton they need to look more closely at the catalogue of items that are presented by the company on its official website or on millions of stores on fashion, online as well as offline. If you are shopping for a bag with a difference try the Louis Vuitton Alma series. Louis Vuitton Store Online Handbags can also bring great accuracy as well as practical applicability and fashionable.

    2012.06.08 09:46 신고 [ ADDR : EDIT/ DEL : REPLY ]
  3. total: ��0.00 When you looking for an exquisite mulberry bag as your unique accessory,chanel uk, Mulberry outlet UK shop is your best option. mulberry outlet Mulberry bags are quite famous for their top quality materials and craftsmanship. Designer mulberry handbags are a key to your perfect outfit. You can never get fed up of the mulberry bag collection. You can surely find perfect bag suits your attire and style as well. Our Mulberry Bags Outlet store carries a vast collection of latest trendy mulberry bags. I had an experience once that taught me that mulberry outlet uk I was health rich beyond measure This was about 20 years ago and at that time I was selling exercise equipment for a nationwide outlet in a mall in Southern California
    The duck-down assortment of moncler is in high-demand as well. moncler the ideal cuts to provide you with a fitted jacket filled with genuine duck-down promises to create your winters comfy. The jackets could possibly be simply saved with bare minimum fuss as they are not merely lightweight but in inclusion hold bare minimum safe-keeping place. safe-keeping in merely a tiny bag while traveling is not an problem with moncler jackets. hold them simply through your winter getaways and have enjoyment without the need of compromising in your comfort and warmth. Moncler Moncler is famous and luxury brand which derived from Italian,louis vuitton handbags, moncler outlet its design has been recognized by the CHANEL and GUCCI brand and so on. However,louis vuitton, it must be become the focus and attract lots of eyeballs when every Moncler jacket is placed a shopwindow. You can find that no one wears a jacket that is even close to your Moncler outerwear when you walk in the street,hermes uk, then, you'll be the one who wins most head-turning rate.
    Who said dreams are not to be bought tiffany jewelry silver jewelry is beautiful but not costly. It could be maintained their entire lives. It's tiffany and co really a fantastic gift for all your family, good friends, and relatives etc. Tiffany & co Suite the glistening suite on the 14th floor of the legendary St. Regis New York is both whimsical and luxurious, reflecting Tiffany & cos modern aesthetic and contemporary vision within the deeply elegant walls of The St. Regis. Designed in conjunction with Design Director Emeritus of Tiffany & co & Co. with John Loring, the Tiffany & co Suite is 1,700 square feet in size and features a serene and sophisticated range of subtle neutral colors including whites, beiges, charcoal grey and silver, with the signature Tiffany & co blue as an accent color throughout the suite. A Fax machine, DVD with Bose Entertainment System are unique to the suite. As one of the leading brands in the field of jewelry designing and making, tiffany jewellery Tiffany & Co. has released the 2010-2011 Blue Book Collection, the jeweler��s annual presentation of special beautiful baubles up for sale. The Blue Book should be the best sum-up of all the brilliant ideas of Tiffany that have come to the world through out this year.

    2012.06.08 09:48 신고 [ ADDR : EDIT/ DEL : REPLY ]
  4. One from the best creative designers when it comes to journey totes as well as leather-based products is actually Louis Vuitton. bolsas louis vuitton In the event that among your own objectives would be to improve your own clothing after that Louis Vuitton purses are the must-have. As we all know that Louis Vuitton is the most recognizable brand in the world. louis vuitton bolsos And also Louis Vuitton handbags are always the symbol of fashion and luxury for many mature women. Meanwhile, having a Louis Vuitton bag is the dream of probably each girl or woman nowadays. In terms of the appearance and workmanship, Louis Vuitton is definitely a good choice and it will certainly not disappoint you.

    2012.06.08 10:13 신고 [ ADDR : EDIT/ DEL : REPLY ]
  5. The mulberry outlet has so many purposes, medicinal, food and production! It feeds so many animals in the wild, and the best cocoons that produce the best cottons in the world work on them! So owing a bag or any product that has the trademark from this source, you really get the same function and likes that are linked to this! You will be known for a very long as someone who owes one of the greatest bags and leather wears in the world or in your community! I think the best buy for me is that I bought a Moncler Vest for my mother, mulberry outlet uk which is red and very nice. I get them in 50% off, and I was really happy. And I think my mother will be happy as well and she will love this Moncler vest. I would go to moncler jackets outlet again, to get more for my relatives.
    moncler has traveled a prolonged way from producing utilization of resting bag moncler linings to polyamide lining to provide optimum safety in the direction of the biting cold. The specific creating of skiing outfits for the French Olympics celebration designed the lightweight jackets which could be accessible within of the industry today. much more compared to many years moncler has founded its name like a premium brand name that provides world-class outside sporty winter wear. Moncler is famous for its quilted jackets? ski and outdoor-wear,hermes birkin, all products in our moncler down are made from duck down? moncler outlet the collection is renowned for its warm but lightweight pieces which will take you from winter holiday to the frontline of tidal current, and also you do not have to worry about the products in moncler outlet store will be out of fashion in the next season for its ornate color and style, welcome to our moncler outlet, we offer free shipping to you now! Hurry up, buy one pair of moncle clothes for yourself. With excellent quality, low price,chanel uk, fast delivery and good service, what are you waiting for? If there is any thing you want to know, please feel free to contact us.
    Tiffany and co Rings are well known and fashionable.We've been fashion girls who really like jewelry so we developed our jewelry blog such as silver jewelry weblog. Men Tiffany necklaces, popular, if you still believe that fashion is exclusively for women, you should keep your eye tiffany & co Reproduction jewellery has become one of the less expensive and most tiffany jewellery exquisite choices for jewellery lovers in the world. Whether males or females, antique style rings work well for both the sexes. These rings and similar jewellery, however, should be chosen carefully. It is important to identify the reproduced pieces before buying.

    2012.06.08 10:25 신고 [ ADDR : EDIT/ DEL : REPLY ]
  6. The mulberry outlet has so many purposes, medicinal, food and production! It feeds so many animals in the wild, and the best cocoons that produce the best cottons in the world work on them! So owing a bag or any product that has the trademark from this source, you really get the same function and likes that are linked to this! You will be known for a very long as someone who owes one of the greatest bags and leather wears in the world or in your community! I think the best buy for me is that I bought a Moncler Vest for my mother, mulberry outlet uk which is red and very nice. I get them in 50% off, and I was really happy. And I think my mother will be happy as well and she will love this Moncler vest. I would go to moncler jackets outlet again, to get more for my relatives.
    moncler has traveled a prolonged way from producing utilization of resting bag moncler linings to polyamide lining to provide optimum safety in the direction of the biting cold. The specific creating of skiing outfits for the French Olympics celebration designed the lightweight jackets which could be accessible within of the industry today. much more compared to many years moncler has founded its name like a premium brand name that provides world-class outside sporty winter wear. Moncler is famous for its quilted jackets? ski and outdoor-wear,hermes birkin, all products in our moncler down are made from duck down? moncler outlet the collection is renowned for its warm but lightweight pieces which will take you from winter holiday to the frontline of tidal current, and also you do not have to worry about the products in moncler outlet store will be out of fashion in the next season for its ornate color and style, welcome to our moncler outlet, we offer free shipping to you now! Hurry up, buy one pair of moncle clothes for yourself. With excellent quality, low price,chanel uk, fast delivery and good service, what are you waiting for? If there is any thing you want to know, please feel free to contact us.
    Tiffany and co Rings are well known and fashionable.We've been fashion girls who really like jewelry so we developed our jewelry blog such as silver jewelry weblog. Men Tiffany necklaces, popular, if you still believe that fashion is exclusively for women, you should keep your eye tiffany & co Reproduction jewellery has become one of the less expensive and most tiffany jewellery exquisite choices for jewellery lovers in the world. Whether males or females, antique style rings work well for both the sexes. These rings and similar jewellery, however, should be chosen carefully. It is important to identify the reproduced pieces before buying.

    2012.06.08 10:25 신고 [ ADDR : EDIT/ DEL : REPLY ]
  7. The mulberry outlet has so many purposes, medicinal, food and production! It feeds so many animals in the wild, and the best cocoons that produce the best cottons in the world work on them! So owing a bag or any product that has the trademark from this source, you really get the same function and likes that are linked to this! You will be known for a very long as someone who owes one of the greatest bags and leather wears in the world or in your community! I think the best buy for me is that I bought a Moncler Vest for my mother, mulberry outlet uk which is red and very nice. I get them in 50% off, and I was really happy. And I think my mother will be happy as well and she will love this Moncler vest. I would go to moncler jackets outlet again, to get more for my relatives.
    moncler has traveled a prolonged way from producing utilization of resting bag moncler linings to polyamide lining to provide optimum safety in the direction of the biting cold. The specific creating of skiing outfits for the French Olympics celebration designed the lightweight jackets which could be accessible within of the industry today. much more compared to many years moncler has founded its name like a premium brand name that provides world-class outside sporty winter wear. Moncler is famous for its quilted jackets? ski and outdoor-wear,hermes birkin, all products in our moncler down are made from duck down? moncler outlet the collection is renowned for its warm but lightweight pieces which will take you from winter holiday to the frontline of tidal current, and also you do not have to worry about the products in moncler outlet store will be out of fashion in the next season for its ornate color and style, welcome to our moncler outlet, we offer free shipping to you now! Hurry up, buy one pair of moncle clothes for yourself. With excellent quality, low price,chanel uk, fast delivery and good service, what are you waiting for? If there is any thing you want to know, please feel free to contact us.
    Tiffany and co Rings are well known and fashionable.We've been fashion girls who really like jewelry so we developed our jewelry blog such as silver jewelry weblog. Men Tiffany necklaces, popular, if you still believe that fashion is exclusively for women, you should keep your eye tiffany & co Reproduction jewellery has become one of the less expensive and most tiffany jewellery exquisite choices for jewellery lovers in the world. Whether males or females, antique style rings work well for both the sexes. These rings and similar jewellery, however, should be chosen carefully. It is important to identify the reproduced pieces before buying.

    2012.06.08 10:26 신고 [ ADDR : EDIT/ DEL : REPLY ]
  8. In the end, the following bag happens to be an vital new member on your set of clothes last year warmer summer months. chanel bags is a straightforward style and design with the help of not one but two reduce storage compartments which will open to facility drawer. CHANEL eyeglasses and sunglasses are sold in our Brookline, MA store, as the company does not permit its authorized retailers to sell or display images of CHANEL products online. chanel handbags Please email us at or call 866-411-9428 for more information about CHANEL frames.

    2012.06.08 10:45 신고 [ ADDR : EDIT/ DEL : REPLY ]
  9. Outlet shopping can be one louis vuitton outlet of the most successful shopping trips you have ever experienced.mulberry outlet You can often find things at outlet centers that are no longer sold at the regular mall and the prices on these items are often bargain basement. You might be able to find wholesale replica handbags and designer replica handbags for a mere fraction of what you would pay anywhere else. Outlets are especially good if you are looking to stock up on items you use throughout the year. Shopping at outlets also enables you to afford things that might otherwise be too pricey. If you are searching for name brand items and you are pretty sure your wallet is too empty to afford these items at regular prices head to the outlets for some fantastic bargains. Pull mulberry spring and summer in,Air Max 2009 Women, mulberry outlet uk pears city of Korla's suburbs everywhere elegant mulberry sweet. Living in urban cement reinforced buildings, very eager to go to the simplicity of the countryside around. A student just handed over the small Pei, her house on the outskirts of a village. Weekend, she called and invited me to go along with his family to Mulberry. Her proposal, Zhenghewoyi, I readily agreed.
    The duck-down assortment of moncler is in high-demand as well. moncler the ideal cuts to provide you with a fitted jacket filled with genuine duck-down promises to create your winters comfy. The jackets could possibly be simply saved with bare minimum fuss as they are not merely lightweight but in inclusion hold bare minimum safe-keeping place. safe-keeping in merely a tiny bag while traveling is not an problem with moncler jackets. hold them simply through your winter getaways and have enjoyment without the need of compromising in your comfort and warmth. Times are changing, so you have to adapt to the development trend of the times and fashion elements of transformation, moncler outlet or you will soon be eliminated. Moncler Jackets for your stylish throughout the winter are surrounded by warm, of course, to try and bring you extraordinary Moncler share feelings at the same time, you want to try new things and enhance the ability of self-promotion.Moncler Jackets [ read more ]
    Complications due to rubella are rare, tiffany and co but rubella can cause complications during pregnancy if the infection occurs within the first 20 weeks of pregnancy. Luxurious and beautiful designed tiffany & co diamond hoop earrings are the demand of the today's women Who would have imagined that silver jewellery would outrun gold ornaments Silver was seen as nothing more that a poor tiffany jewellery substitute for gold jewellery and this is one of the reasons why the metal was usually used to make utensils as cutlery as opposed to jewellery items

    2012.06.08 11:05 신고 [ ADDR : EDIT/ DEL : REPLY ]
  10. Outlet shopping can be one louis vuitton outlet of the most successful shopping trips you have ever experienced.mulberry outlet You can often find things at outlet centers that are no longer sold at the regular mall and the prices on these items are often bargain basement. You might be able to find wholesale replica handbags and designer replica handbags for a mere fraction of what you would pay anywhere else. Outlets are especially good if you are looking to stock up on items you use throughout the year. Shopping at outlets also enables you to afford things that might otherwise be too pricey. If you are searching for name brand items and you are pretty sure your wallet is too empty to afford these items at regular prices head to the outlets for some fantastic bargains. Pull mulberry spring and summer in,Air Max 2009 Women, mulberry outlet uk pears city of Korla's suburbs everywhere elegant mulberry sweet. Living in urban cement reinforced buildings, very eager to go to the simplicity of the countryside around. A student just handed over the small Pei, her house on the outskirts of a village. Weekend, she called and invited me to go along with his family to Mulberry. Her proposal, Zhenghewoyi, I readily agreed.
    The duck-down assortment of moncler is in high-demand as well. moncler the ideal cuts to provide you with a fitted jacket filled with genuine duck-down promises to create your winters comfy. The jackets could possibly be simply saved with bare minimum fuss as they are not merely lightweight but in inclusion hold bare minimum safe-keeping place. safe-keeping in merely a tiny bag while traveling is not an problem with moncler jackets. hold them simply through your winter getaways and have enjoyment without the need of compromising in your comfort and warmth. Times are changing, so you have to adapt to the development trend of the times and fashion elements of transformation, moncler outlet or you will soon be eliminated. Moncler Jackets for your stylish throughout the winter are surrounded by warm, of course, to try and bring you extraordinary Moncler share feelings at the same time, you want to try new things and enhance the ability of self-promotion.Moncler Jackets [ read more ]
    Complications due to rubella are rare, tiffany and co but rubella can cause complications during pregnancy if the infection occurs within the first 20 weeks of pregnancy. Luxurious and beautiful designed tiffany & co diamond hoop earrings are the demand of the today's women Who would have imagined that silver jewellery would outrun gold ornaments Silver was seen as nothing more that a poor tiffany jewellery substitute for gold jewellery and this is one of the reasons why the metal was usually used to make utensils as cutlery as opposed to jewellery items

    2012.06.08 11:05 신고 [ ADDR : EDIT/ DEL : REPLY ]
  11. 저는 이것이 너무 궁금해서 백방으로 수소문해서 정비사업소에 담당

    2012.09.11 01:55 신고 [ ADDR : EDIT/ DEL : REPLY ]
  12. 저는 이것이 너무 궁금해서 백방으로 수소문해서 정비사업소에 담당

    2012.09.11 01:55 신고 [ ADDR : EDIT/ DEL : REPLY ]
  13. 그래서 인간성을 긍정한다’는 삶의 철학은 본받고 싶습니다. 좋은 인터뷰 감사합니다

    2012.09.20 02:00 신고 [ ADDR : EDIT/ DEL : REPLY ]
  14. 오늘은 BMW 5시리즈GT로 알려진 그란투리스모의 신차 발표회가 있었던 날입니다.

    2012.11.14 02:01 신고 [ ADDR : EDIT/ DEL : REPLY ]
  15. 是什麼在這裡的意思“,因此,在上面列出的時代,我們將很樂意提供援助,這上面列出的時代。”

    2012.11.29 01:58 신고 [ ADDR : EDIT/ DEL : REPLY ]
  16. 좋은 인터뷰 감사합니다

    2012.11.29 15:56 신고 [ ADDR : EDIT/ DEL : REPLY ]
  17. 위대한 통찰력을 주셔서 감사하고 우리는 당신이이 글을 작성하는 데 걸린 시간을 주셔서 감사합니다.

    2013.01.28 18:39 신고 [ ADDR : EDIT/ DEL : REPLY ]
  18. 우리와 함께 좋은 기사를 공유 주셔서 감사합니다. 귀하의 향후 게시물에 기대 ..

    2013.02.07 20:54 신고 [ ADDR : EDIT/ DEL : REPLY ]
  19. 그 정말 아주 흥미가 실제로 게시. 우리와 함께 게시 등 흥미로운를 공유 ​​주셔서 감사합니다.

    2013.02.18 22:26 신고 [ ADDR : EDIT/ DEL : REPLY ]
  20. 당신의 위대한 경험과 주제에 대한 지식을 공유 할 시간을 내 주셔서 정말 감사드립니다. 자세한 내용을 게시 유지 ..

    2013.02.26 19:55 신고 [ ADDR : EDIT/ DEL : REPLY ]
  21. 난 정말 당신이 새로운 포스트를 만들기 위해 삽입 한 노력에 감사드립니다 않습니다.

    2013.03.06 20:36 신고 [ ADDR : EDIT/ DEL : REPLY ]