• Uncategorized 25.11.2015 Comments Off on Reinventing the 312 Home Improvement Loan Program

    Over the last thirty years the community development field has moved away from its early focus on helping homeowners maintain and improve their properties towards the development of new affordable housing. Fueled by the resources of the Low Income Housing Tax Credit Program (LIHTC) and a confident economy, and in flight from lead remediation requirements for housing rehab, non-profits as well as for profit developers and local governments began to shift towards the promotion of new construction – both rental and homeownership – and away from housing rehab aimed at assisting individual owners.

    The time has come to shift back.

    Hundreds of thousands of foreclosed properties, declining property values and the loss of home equity, the absence of conventional credit, the need to make older houses energy efficient, opportunities to stimulate the local small construction trades and building supply markets – all of these factors demand that we look again at housing rehabilitation as an important policy option.

    We need tools to promote the repair and rehabilitation of our older housing stock. Historically, the federal government played a leadership role in promoting home rehab and we need the Federal government to play this role again. A key role government can play is to authorize a significant amount of funding for the Section 312 Loan Program. We need to revisit this old tool and reinvent it making it relevant to the current situation.

    The 312 Loan Program was authorized in the Housing Act of 1964. It provided loans from the Federal government through local municipal governments to home owners and landlords at 3% for a twenty year term. The per unit rehab cost allowed was $27,000, which in the 1970s and 1980s was a significant amount of money. It was used often in Urban Renewal Conservation Areas to assist homeowners in improving their properties and where it had a fairly major impact. It also served as a key component in the Federally Assisted Code Enforcement Program (FACE) to help owners bring their properties into code compliance. And it was the source of financing in the Urban Homesteading Program where vacant properties owned by the Federal government where auctioned off for a dollar.

    The 312 Loan Program had some issues. It was cumbersome and time consuming for borrowers. It took a long time to get loans approved and people often deferred work while waiting for approval. People who were savvy enough to use architects, i.e. people of higher incomes, were often the most successful in securing funds. As local governments began to use Community Development Block Grant (CDBG) funds to support housing rehab, 312 became diminished as a tool and fewer funds were allocated to it. While the 312 Loan Program currently exists in the HUD menu of programs, it has no money allocated for it.

    This needs to change.

    Today we are confronted with a situation that demands a significant response. We as a nation want to overcome the effects of the foreclosure crisis and return more properties to productive use. We want to increase the energy efficiency of residential properties, and we want to stimulate the economy. These efforts are hampered by the absence of capital, but they are also hampered by an anti-government investment ethos on Capitol Hill. Why should government do what the private sector can do? Why bother funding an obscure program, the kind of “legacy program” that HUD in its strategic plan wants to shift its focus from?

    Here are ten reasons:

    1. It is a stimulus that everyday people in cities and inner ring suburbs can see and understand. While earlier stimulus efforts have created results that people can see, a national home improvement loan program can benefit thousands of citizens directly.

    2. It promotes confidence. When someone sees their neighbor down the street put on a new roof or rebuild their porch it makes them feel more confident about the future of the neighborhood and it may lead them to seek to make repairs on their own. We need to put this dynamic in place.

    3. It’s simple. Unlike several of the initiatives being developed by HUD that are marching down the same sad path of prior Federal interventions in cities, it is simple and understandable. It helps people and not just developers. It’s not social engineering and it doesn’t have a lot of moving parts. It can effectively be described in thirty seconds.

    4. It’s a loan and not a grant. People paid on their 312 loans. Money invested in a national home improvement loan program will get substantially returned.

    5. It has a multiplier effect. It creates jobs in the construction industry as well as in the building supply and manufacturing sectors of the economy.

    6. The process can be improved. We know more than we did in the 1970s about how to bring products to consumers. With new technologies around developing the scope of work, loan origination and servicing software – and the potential for outsourcing these functions-all are potential ways this program can be more accessible and user friendly. We also know more about marketing and how to effectively promote such a program.

    7. A delivery system exists to get this money out. We have a host of institutions like NeighborWorks America organizations, community development corporations, Community Development Financial Institutions, as well as delivery systems that still exist in local governments that can be organized to help citizens access these resources. We also have financial institutions that have been a delivery system for tax-exempt housing bonds that also could be part of a delivery system.

    8. It can generate revenue for this delivery system. Charging loan origination and rehab service fees can generate revenue for cities and other providers.

    9. It can promote widespread energy conservation. Borrowers could be required to have an energy audit and make changes based on the audit findings. Borrowers who choose to install solar heat could receive an interest rate benefit for their whole project.

    10. It is more “shovel ready” than many stimulus efforts. Large public works projects require significant planning. Home improvement projects require planning and bidding out jobs but this process is usually less complex.

    A national home improvement loan program based on the 312 Loan Program is not a panacea for urban ills. It is not an anti-poverty program – it is a home improvement program that can benefit low-income as well as other income homeowners – and as such can have a larger constituency.

    Can’t the private market do this? Sure, but it isn’t. Capital is not flowing like it once did. Lenders aren’t doing much in the way of home improvement lending and both supply of capital and demand for such capital is down. Equity lines that financed home improvement in the last several decades have dissipated, Demand needs to be stimulated. Providing an attractively priced loan product that is marketed well can stimulate that demand.

    So how much would this cost? An initial allocation of $2.5 billion would potentially generate 50,000 loans with an average loan size of $50,000. Fees charged to borrowers for rehab services and origination could produce $100,000,000 – $125,000,000 in revenues throughout the delivery chain. $20,000 in materials purchases on a $50,000 rehab job could provide $1 billion in materials purchases for 50,000 projects, along with various sales tax revenues those purchases generate. This kind of volume would provide work for thousands of contractors, laborers, architects, building suppliers, and manufacturers of building supplies. It would also provide an interest rate return for the Federal Treasury.

    For a redesigned 312 Loan Program to be effective in today’s environment it would need a few changes. First, change the name. 312 means nothing to anyone outside government. The name does not encourage one to borrow money. Second, raise the interest rate to 5%, but retain the ability to finance projects at 3% if they meet certain criteria, like the installation of solar energy or the rehab of a foreclosed property. Third, raise the per unit amounts to $57,000 per unit, and $75,000 for the rehab of a vacant property. Fourth, make the loan available in cities and older suburbs with no qualifying income requirements, so that people would not have to be low-income to borrow the funds.

    This is a conservative program. It is about conserving what we have – our rich and diverse housing stock – by promoting maintenance and improvement. It is easy to understand. It supports rank and file homeowners and not just developers. It engages all homeowners and is not limited to low income borrowers. While driven by the Federal government it allows for partnerships with local banks and non-profits with consumer lending capacity. It has the potential to stimulate local economies and lessen the cost burdens on municipal governments. But most of all it is a loan and not a grant program. It will return money to the Treasury.

    Innovation is not only inventing new things. When we look ahead for change sometimes we ignore what worked in the past. We assume that just because something was done once, its shelf life has expired and can’t be done again. Reinvention is also innovation. Repositioning old products to make sense in a new situation can be just as innovative as inventing complex new programs that look good on paper but don’t deliver. Let’s get real. Let’s keep things simple. Let’s reinvent 312.

  • Uncategorized 04.08.2015 Comments Off on Home Improvement Stores – An Overview

    Thanks to the popularity of home improvement programming on television, the last boom in the housing market and an influx of home repair magazines and media, the home renovation retail business is absolutely thriving. After watching how-to design programs on television and reading how-to articles in design magazines, homeowners are rushing out for paint, lumber, wiring and anything else they need for their next weekend project.

    Another factor contributing to the surging interest in DIY home improvement are the costs of labor and contractors. As the expense of hiring help goes up, homeowners are increasingly likely to take on a project themselves, thus sending them to their local hardware retailer to stock up on needed supplies.

    These same local hardware stores have gone from small shops to major, national retailers with huge chain networks. Examples of some of the larger home improvement stores include Lowe’s Home Improvement, The Home Depot, Home Hardware, Canadian Tire, Ace Hardware, Do It Best and Fred Meyer. These retailers can be found almost all over the United States and continue to expand into Canada, Europe and Asia.

    The Best and Biggest Home Improvement Stores

    As the largest in the country, The Home Depot is the hardware retailer of choice for the United States. Headquartered in Georgia, The Home Depot employs over 350,000 people and operates over 2,100 stores all over the world, including China. Second only to Wal-Mart for retail power in the United States, The Home Depot is the giant of home hardware supplies.

    Lowe’s is the second largest hardware and home renovation retailer in the United States. Focusing their business model on service, Lowe’s takes aim at retaining a local store feeling. The Lowe’s chain began in North Carolina in 1946 as a single store and now operates over 1400 stores in the U.S. The chain is looking to expand into Canada and Mexico.

    Another competitor that focuses on customer service and local emphasis is The True Value Company. By concentrating on quality service and extensive how-to programs, True Value is attempting to win over customers from large competitors like Home Depot or Lowe’s. True Value is also unique because it operates as a cooperative, meaning it is owned by its members. Essentially, it is a member-owned wholesaler and therefore is often able to deliver lower prices.

    Finally, there’s Ace Hardware. A leader in global sales, Ace Hardware is also a cooperative, meaning most of their stores are owned and operated by a local dealer who owns a financial stake in the larger company.

  • Uncategorized 04.07.2015 Comments Off on The Home Improvement Nightmare-Who’s To Blame and How To Avoid It

    Unless you live in a remote part of the country with no television, newspaper or other people to talk to, there is a good chance you have heard or read about a home improvement scam or project gone wrong. It seems to be a fact in this country that when you go about doing a home improvement project you will usually encounter countless problems, delays and shoddy work.

    The home improvement experience leaves most people stressed and vowing never to do another project again! So it is not surprising to hear that home improvement complaints rank at the top of consumer complaints nationwide year after year. Where does the blame fall for this epidemic of home improvement problems?

    I am proud to say I was a home improvement contractor for almost 30 years and I was fortunate enough to win some of the industry’s highest awards. However, it has never ceased to amaze me the poor home improvement decisions that I have seen so many homeowners make. One of the more notable mistakes I would see done over and over again was when a homeowner would blindly hire someone to do a project because the person was a friend or a friend of a friend. To me this reasoning makes no sense.

    Friendship and craftsmanship are not related, but for some reason a lot of people believe other wise. Another great example of homeowner apathy is hiring someone to do a project without ever putting anything in writing. Who in their right mind would ever agree to such a disastrous situation? Another very similar blunder would be for a homeowner to blindly accept an estimate on the back of a business card. Usually the only information that has room on the back of a business card is the PRICE.

    A major mistake made by many people doing a home improvement project is letting price dictate the decision on who to hire. More problems occur because homeowners pick the lowest price they can find. Why? It is very simple. You can only produce a high quality project at a certain cost. High quality materials, expert labor, appropriate insurances and a reasonable profit to stay in business, cost a certain amount of money.

    If someone can do that same project under that amount, what do you think is going to happen when the job is being done? That’s right, the person or company is going to do anything they can to try and make a profit. All of the possibilities that could result from the person you hired, as the low bidder, trying to make a profit, are simply all BAD for the homeowner. In home improvements you get exactly what you pay for.

    Let’s not forget to put some of the blame on people looking to work on your home. Over the years I have seen some of my competitors commit heinous business practices. (Surprise!!) I have seen contractors switch materials to lesser quality without customer approval, use unqualified labor, overcharge homeowners for “unforeseen problems”, try to up sell the customer once the project starts, etc.,etc.,etc…….it makes you wonder if you can trust anyone?

    So where does the blame fall for all the home improvement complaints year after year? I guess it would be easy to blame the homeowner for not educating themselves on what to do when attempting a project. However the next question would be where does a homeowner get “educated”? Maybe a better question would be when does a homeowner find the time to get “educated”? Education is a great tool if you have the time to do the research. Most people don’t have the time or want to take the time to do hours and hours of research on how to go about getting a home improvement done correctly.

    Oops I almost forgot Uncle Sam. A lot of people, including myself, think the government makes it too easy for someone, who has no ethics or skills, to do home improvement work. Why are there still some states that do not have licensing for people doing home improvements? And in the states that do have licensing, why are some of these states issuing licenses without the applicant needing to demonstrate any type of competence in home improvement work? This is like giving out a driver’s license without taking a road test. Doesn’t make much sense to me.

    One last situation to blame, one that I would never forgive myself for not mentioning. Home improvement television shows have become the latest fad in television. You can hardly change television channels without a home improvement program popping up. The influx of home improvement shows on television has been phenomenal. However, most of these shows tend to unrealistically glorify the home improvement project as being easy to do with nothing ever going wrong. The last time I looked, nothing ever goes perfect, including home improvement projects. Little, if any information is mentioned on these shows, about how not to be “taken to the cleaners” when doing a project.

    One would have to conclude that there is plenty of blame to go around when it comes to the problems homeowners face when attempting a home improvement project. Unfortunately, most of these problems have been around for many years and if you are expecting a “quick fix”, I think you might be waiting a very long time.

    Since I retired from the home improvement industry two (2) years ago I decided it was time to stop worrying about who or what to blame about the constant wave of home improvement complaints (it really seems to be a waste of energy since nothing seems to change) and to put together a way for homeowners to fight back and get the home improvement results that they deserve.

    This is why I founded The Home Improvement Success Club of America (TM). The club’s website, which I hope you will visit, can be found at http://www.homeimprovementsuccess.com. This is a one-of-a-kind club that guides homeowners on how to get high quality, problem free, home improvement results.

    Membership to this club includes The Home Improvement Success System, a complete how-to home improvement system that details all the steps you need to take to make your project a success. The club membership also includes a web forum to ask questions, phone consultations, monthly newsletters, teleseminars, teleclasses and written evaluations of member estimates and contracts.

    This club guarantees to short cut the time homeowners need to learn how to complete any home improvement project. You are shown what to do and what to avoid. All the information that you receive from this club you could spend months trying to find, but by joining this club it is at your finger tips 24/7.

    To do a home improvement project correctly you need to follow five (5) steps. These steps are:

    1. Define your project based on your needs, finances and structural constraints.

    2. Determine who can complete the project.

    3. Evaluate perspective candidates (including yourself) who you may want to use to complete the project.

    4. Prepare a contract that is “thorough” and protects you from poor home improvement situations.

    5. Completing certain tasks when the project is being built.

    These five steps seem relatively easy to understand but it’s the “particulars” (exactly what to say and do) of each step where most people fall short. Knowing these “particulars” are what makes or breaks your project. Membership to this club will guide you to completing a home improvement project without all the problems and aggravation that most people go through.

  • Uncategorized 04.06.2015 Comments Off on Home Improvement Grants Most African American Homeowners Overlook

    Home improvement continues as one of the biggest expenses for African- American homeowners. Black homeowners pay the most for home improvements, repairs, upgrades and interest rates according to Federal Government statistics.

    Because of a lack of information sources to get the word out to African American homeowners, most African American homeowners fail to take advantage of the many programs available to them.

    Despite a record number of home improvement grants available from the federal government. Thousands of black homeowners still pay for high-priced home improvements, without first looking at what’s available from the federal government.

    This could often save black homeowners thousands of dollars. It’s a shame the programs most black homeowners finance through there taxes go unused. Yes, by the people who could use them the most.

    This week we’ll talk about some of the grant programs currently available from the U.S government. These grant programs can help you improve the value, comfort and energy savings of your home.

    If you can get just one of these grants, it would more than pay for the time and effort it takes to get it.

    According to HUD (Federal Housing and Urban Development) The Department has published the Early Registration Notice for potential applicants applying for funding under HUD’s competitive grant programs, available on the Grant.gov website. This Notice provides information to help applicants better understand the electronic submission process.

    To help with the registration process, HUD has developed a brochure on how to register. HUD also has a brochure that will help you find and apply for grant opportunities. HUD has also prepared a Special file to assist you in completion of a grant. In addition to HUD, many low and no cost loans and grants exist for home improvements from most state and local government agencies.

    These loans can go toward bringing homes up to code, used for energy efficient improvements or for cosmetic improvements to your property. All these actions can also help to raise and preserve the value of your home for little or no cost to you.

    To take advantage of this program contact your local city or county rehabilitation department for more information. The key is to getting informed and starting the process by taking action.

    For the website that list all federal government grants currently available Click Here! This site offers many tools for getting grants, such as tips for finding the right government grant for your specific needs. This site also offers a government grant search tool, government grant email alerts and much more.

    By searching and keeping up-to-date on what home improvement programs are available, you can save thousands of dollars. HUD is working feverishly to improve and streamline the application and approval process of home improvement grants.

    Meanwhile find out what qualifications you need to apply, get the necessary paperwork, fill it out and send or email it in. You never know, this may turn into a chance for you to save money and improve your home at the same time. What a deal.

  • Uncategorized 05.05.2015 Comments Off on Grants For Home Improvement

    In more than one instance you get warned about free grants for home improvement programs and over and over again told that no such thing exists as free grants.

    With extended and thorough research you will find ample grants focusing on home improvement alone. The free part of it applies to low and medium income homeowners. Grants can be obtained and loans at zero-interest. Part of the criteria for these “free” grants or loans is that it is needed for health and safety purposes.

    There are various loans and grants available, but in general grants for home improvement covers:

    Improve and renovate the exterior structure of the house to the building requirements that is currently applicable. This are improvements such as the roof, sidings, better water and sewage systems, doors and windows, extending your house and measures to make your home more easily reached for disabled and handicapped persons.
    Improvements relating to the interior of the house such as alterations to fix the roof and sidings in events where there is major reason for concern regarding your family unit’s health and security. Grants for home improvements relating to the interior of the house also refers to the electrical and water supply systems.
    There are specific grants for home improvements available if you are interested in renovating or converting your existing property into low income housing. Programs of this nature are usually offered by the government in order to better the availability of low income housing in designated neighbourhoods. These types of grants for home improvement are known to cover most of the above mentioned exterior and interior improvements. In addition financial assistance is provided by means of mortgage assurance and the subsidising of mortgage payments.

    Some of the most generally used types of grants for home improvement are:

    Deferred Payment Loans – You are provided with a no-interest loan that does not have to be paid back until you sell the house or the property is transferred to a new owner. The maximum amount available for each individual application is $20 000 for the first year and up to $35 000 for each year thereafter.
    Leveraged Loans – For this type of grant there are some reasonable income eligibility guidelines to meet. As with the Deferred Payment Loans, very similar repairs relating to health and safety qualify for this program. When opting for leveraged loans, you need to provide half of the money needed for cost of the repairs or renovations and loan program will supply the other half. It is also only paid back when you sell the property or it is transferred to a new owner. The maximum to be matched with home improvement program funds is $17 500.
    Emergency Grant – The focus of this home improvement grant is restricted to health and safety risks that needs immediate attention to low income homeowners. Being a grant, no repayment structure is applicable. The maximum grant award is $1,500.

  • Uncategorized 04.04.2015 Comments Off on The Shopping Guideline For Your Home Improvement Plan

    Coming up with the great home improvement ideas is all people need in their life. What about you? Can you find the best design for your home? You think that you must start soon and you will arrange the budget. Should you follow your heart to spend a lot of money and show to everyone that you just have brought the brand new design and it is so spectacular? I do not think so. The following explanation will let you to know more and will be able to take the wise decision.

    The presence of DIY stores in your areas is actually to help you to get the affordable prices of home improvement program, thus you do not need to hire a general contractor which can possibly drain your wallet. If you want to bring the new look in a simple way, this suggestion is the best thing you must follow. But, some people hire them due to the fact that they want to remodel each room, garden, and the other areas at their home. So, you must determine your needs firstly.

    If you really wish to get the perfect look with luxurious touch, hiring a contractor is a must. The recommended thing to do is never turn over your project to a contractor along with an open check book. It is because there will always a possibility for you to pay top dollar for everything. It is not a joke. Who can guarantee that the contractor will not reserve any savings for his own wallet?

    Definitely, some contractors hate to see the fact that you are the one who will buy the required things. But, this step will be helpful for you to control the costs. They will not cheat easily anymore. If possible, you can look at your plans and see some possible re-used things. It will be great to save money as well. The easiest example is about the bathroom cabinets. The trend goes and there are many different new models out there on the market. You can use your recent cabinets and add some accessories will make it looked as new one. It can save a lot of money.

    Now, we will jump to the next part. What about the bedroom? In this case, there are many different things you can do when talking about bedroom new decoration idea. It is better if you think about the new wall design, flooring, and also the perfect suitable bed for your room. You can either reface your bedroom or paint it to get a new nice look. What about the flooring? If you really want to have the new flooring, it is better to check out about what is on sale out there.

  • Uncategorized 03.03.2015 Comments Off on The Cheap Home Improvement

    There are many different things people should deal with in their daily life. In this case, cheap home improvement should become one of the most essential priorities in their mind. What about you? If you think about the same thing, the following explanation will tell you more about the things you need to know and do to come up with the great result and benefits of the perfect home improvement in an affordable price. You should make sure that you will pay attention to the instructions, thus you can do everything properly.

    The cheap home improvement is sometimes called a DIY project. It refers to the Do It Yourself home improvement. It is quite easy and simple, but you should still understand about the right way to do it. The first thing you need to have in dealing with this project is a general plan. The important suggestion you should know is that you should overview the project extensively.

    What should you do? Absolutely, you should determine the areas of your home which will be improved. The next step you must do is to prepare the budget. If the two previous steps have been done, you can do the third step, which is to find the good improvement idea or inspiration. It is easy, since you can get many inspirations from the home design magazines. What should you find in these magazines? You can find the complete information about the best improvement ideas of wallpaper, carpets and fabrics. The last thing you must consider very well is about the paint colors.

    What is the next cheap home improvement suggestion? All you need to do is to determine the realistic time management plan. The capability to find the right way to manage the time and all the will let you to come up with the effective and efficient result. You can save your money by buying the quality power tools from the best international brands. Their good reputations will bring the great durable and long life product will let you to enjoy the good function without feeling worry to do the replacement very often.

    In conclusion, we can sum up the steps above into some sentences. There are several things to do in dealing with your home improvement program. The first is to provide your time to think and consider very well about the general plan, making a budget, finding the inspirations, and having the great time management plan. By paying attention to the steps above, you can come up with nothing but the perfect, effective and efficient improvement for your lovely home.

travel1.xyz travelinternational1.xyz traveladventure1.xyz gotravel1.xyz travelbusiness1.xyz wordtravel1.xyz travelinsurance1.xyz italyfarm.xyz ingenie.xyz menumodo.xyz mattways.xyz visitledbury.xyz infoparkbudapest.xyz epyx-ms.xyz megavendo.xyz opticalfibersolutions.xyz berlinerwasserforum.xyz wasserforum-berlin.xyz scilect.xyz phoeniciansroute.xyz mynhheaf.xyz healthandbeauty8.xyz stoports.xyz joomgroupe.xyz saomartinhodearvore.xyz nexxusnetwork.xyz/ medicalsociology.xyz uitmetvlieg.xyz primadelteatro.xyz jgtintermodal.xyz kassel-1100.xyz bucksgs.xyz healthandbeauty1.xyz healthandbeauty2.xyz healthandbeauty3.xyz healthandbeauty4.xyz healthandbeauty5.xyz healthandbeauty6.xyz healthandbeauty7.xyz reflectometer.xyz realzapmusics.xyz silvia-tondreau.xyz seahealthtoday.xyz ruralcharacter.xyz rita-zang.xyz jennifer-munoz.xyz vulcanas.xyz toughhost.xyz tiastoyreview.xyz swiss-gear.xyz kkozle.xyz kisiselfarkindalik.xyz info-pay.xyz steamspace.xyz shurah.xyz purereikihealingmastery.xyz ryanshedplans.xyz tamara-silberman.xyz texasairranger.xyz texasairfleet.xyz swimenclosejp.xyz towerfanreviews.xyz resimlerim.xyz picturethemoment.xyz sex-web.xyz rusbio.xyz santorinihotel.xyz rhiannon-nicholls.xyz leah-benefield.xyz teambenchwarmer.xyz onicopy.xyz uasisjajsscvaks.xyz wrapido.xyz yabalo.xyz xintiv.xyz vita-coco.xyz spiritualacademy.xyz cdmate.xyz wyjm28.xyz wy281.xyz wpzhaoling.xyz womathon.xyz womankisses.xyz drbirdnest.xyz david-clancy.xyz sanmarcosdirectauto.xyz mljltee.xyz startsmartpro.xyz greenkeyhats.xyz health-tribe.xyz htkalite.xyz practicalintellect.xyz iottechlabs.xyz wwwparkbudapest.xyz opticalfibersolutions.xyz berlinerwasserforum.xyz wasserforum-berlin.xyz dtpowernews.xyz scubascouts.xyz dtpowernews.xyz myhccdegreecounts.xyz boekbesprekingen.xyz theanglegroup.xyz rockysretreat.xyz hansriemer.xyz mind44.xyz readthebill.xyz schindlerhof.xyz collegiunicattolicaroma.xyz collegiunicattolica.xyz collegiunicattolicamilano.xyz jimboeheim.xyz leadersinbusiness.xyz cerovm.xyz inviertaencolombia.xyz akgap.xyz baaderna.xyz uforiastudios.xyz polnordsa.xyz marinatowers.xyz creditreportoffer.xyz onceapponatime-eng.xyz jerseyactionriders.xyz newzealandlaw.xyz eyenet.xyz simbody.xyz pulseinvestments.xyz certified-spm.xyz master-of-laws.xyz bcvap.xyz saintxavierwinery.xyz apertofoundation.xyz italyfarm.xyz visitledbury.xyz gamesforapplea.xyz gamesforandroida.xyz evlifea.xyz dragondreama.xyz dimeplaya.xyz dicespinnera.xyz culerga.xyz bingoala.xyz beautymastera.xyz ax-helpdeska.xyz amsellema.xyz amsappa.xyz allmakea.xyz 9600bbqsaucea.xyz 724cupona.xyz 3ddoublea.xyz snapcona.xyz ccthearta.xyz allforegolfa.xyz excelleposa.xyz sparkleana.xyz championfea.xyz arcticcookiedesigna.xyz certfita.xyz tvgundema.xyz yapyapa.xyz vip-servicea.xyz sundawua.xyz kfooda.xyz acidouricoa.xyz engordara.xyz diabeticosa.xyz kalyanmatkaa.xyz mobilefriendlywebdesigna.xyz topcoma.xyz relatinga.xyz netvigator-everywherea.xyz sexweba.xyz ctfoa.xyz clifford-supermarketa.xyz clifford-schoola.xyz clifford-hotela.xyz glittervillea.xyz j-o-b-sa.xyz cummunicatey.xyz crazzycollectionsy.xyz cptodosy.xyz cmmetalcorporationy.xyz casting-proviniy.xyz carcupidy.xyz bmm-itay.xyz blossom-enterprisey.xyz be-youboutiquey.xyz auradesignerboutiquey.xyz associocontactoy.xyz money-beanstalky.xyz twoamigosrestauranty.xyz ye-meky.xyz lamobileguidey.xyz pacifictravely.xyz nvlooky.xyz infowebtricksy.xyz tlacy.xyz scottcolyery.xyz sight-boxy.xyz marvinsy.xyz tlcdevcoy.xyz qssincy.xyz prescottrealtyy.xyz distributedmediay.xyz allincomeonliney.xyz infowebtargety.xyz bankruptcymarylandy.xyz ephedriney.xyz found-ationy.xyz vrservicesy.xyz hellooosy.xyz aprohirdeteseky.xyz gumiyoy.xyz explorethiopiay.xyz pharmacytechy.xyz thetudedudey.xyz curries-unlimitedy.xyz soaincloudy.xyz thequestriancornery.xyz churchweby.xyz davedavieslawy.xyz infoweblengthy.xyz countrytaxisy.xyz vibisysy.xyz crowdcriticy.xyz brightitsolutionsy.xyz new-viralsy.xyz mmg-llcy.xyz stopabcstudiostheranchy.xyz stopabcattheranchy.xyz boostermediay.xyz thedoyouguruy.xyz musicforawarenessy.xyz hybridskillsy.xyz medmarijuanay.xyz moneybeanstalky.xyz i0qy.xyz salessparxy.xyz