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Wednesday, February 24, 2016

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[Fropki] 9 Critical Credit Card Mistakes You Didn't Know You Were Making

Posted: 23 Feb 2016 09:28 AM PST





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Credit cards are lovely. They give us the freedom to experience things without stressing too much about the money aspect of it. Credit cards really help us out, whether it's buying the awesome television we always dreamed of or taking that vacation we longed for. 

But the convenience it offers also aids in clouding our judgement. Acting as a safety net for our desires in life, credit cards are also big time trouble makers. It is like a honey-trap that often lands us in situations we try our best to avoid. 

Here are some really helpful credit card hacks that'll help you walk the fine line without unknowingly tipping over to the dark side of greedy banks. 

1. Late bill payments

It is, of course, better than not paying your bill at all, but not a lot. Two things happen when you pay your bills late. You are levied a penalty worth a substantial amount, most often costing more than your minimum payment amount. Secondly, not paying up on time affects your credit score, which might not be a problem now, but will be a big problem when you apply for loans of a large sum, like a house loan or car loan. 

2. Making minimum payments

Banks do give you the option of paying a nominal sum as a 'minimum payment' on your purchase every month but it's not something you should fall for. The interest that banks charge on your outstanding amount is quite high, and if you keep paying just the minimum amount, you would end up shelling out a lot more as interest. Many times even more than the actual value of the product. So best practice would be to save by cutting costs on other things and pay as much of the bill as you can. Remember, more the amount, more the interest. 


3. Some of us get way too many cards

Credit cards are a boon when in need. But the greedy bunch that we are, we always 'need' more. Which is great for the banks, but definitely not for us. It is simple logic, more credit cards means more spending, more spending means deeper debt. Additionally, it also affects your credit score and the annual fees also adds to your expenditure. Having one card is ideal because it's much easier to track with all your expenses in one place. Credit is not an added income so getting another card when you max out your limit on one is not the solution. It'll only make things worse. 

4. Using a credit card for everyday items

Until and unless you're caught in a massive shitstorm in life, you should be able to pay for your basic necessities with your monthly salary. Using your cards for purposes like buying groceries and paying off utility bills is often the first step of losing control of your spending. You don't wish to make the Rs 100 you spent buying vegetables cost you Rs 1000 with interest, do you? Not using your card will also help in keeping your expenses under control. Keep your cards for a purchase that you perhaps don't wish to make with the money you have. Like buying electronics or getting flight and hotel tickets. 

5. Ignore the T&Cs

Scratch that. In fact, never ignore the T&Cs of card companies. Actually, never ignore the T&Cs of anything that involves money because more often than not, the devil is in the detail. Most often, we only end up signing for additionals we didn't know and definitely didn't need. So make sure you read all the documents thoroughly, even twice for that matter, just so it doesn't backfire at a later stage. 

6. Exceed your credit limit

It's self-explanatory really. Like mentioned before, a big amount means a bigger interest rate. So never bite off more than you can chew. 

7. Ignoring monthly statements 

Never, ever ignore your monthly statements. Not knowing how much you owe to the bank can very quickly land you in a lot of trouble. Be aware of your monthly statements to know where and what you're spending on, if you're being charged for something you didn't purchase, and to keep a check on your budget. It is always important to know where you stand and the monthly statements will help you get a grip on things. 

8. Using card to withdraw cash

This is the worst of the lot. A number of people still use their credit cards as debit cards to withdraw cash from the ATM. Any cash withdrawn from the ATM is considered 'cash advance' by the banks. It's considered more like a short term loan. A loan doesn't come without interest and cash withdrawals attract a mammoth interest rate. So don't even think of touching your credit card at an ATM unless it's a matter of life and death. Stick to your debit cards otherwise. 


9. Thinking foreign transactions are the same as domestic ones

Each bank has different exchange and transaction rate. So before you make a transaction while traveling abroad, make sure you check and use the card that gives you the best rates.


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Black History Month Poems, Dear Poet & More

Posted: 23 Feb 2016 09:08 AM PST

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February 23, 2016

Celebrating Black History Through Poetry

 

As Black History Month is coming to a close, we continue to celebrate the rich tradition of African American poetry—from the classic poets to the contemporary poets of today. Read these poems from contemporary African American poets.

 

The Tradition” by Jericho Brown
The Gardenia” by Cornelius Eady
In Tongues” by Tonya M. Foster
Liner Notes to an Imaginary Playlist” by Terrance Hayes
Blue Dementia” by Yusef Komunyakaa
Irritable Mystic” by Nathaniel Mackey
The House on Moscow Street” by Marilyn Nelson
If a Wilderness” by Carl Phillips
Brazil” by Roger Reeves
Duende” by Tracy K. Smith
Pilgrimage” by Natasha Trethewey

Browse poetic schools & movements.

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Read an archival letter from Stanley Kunitz.

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Find a poetry event near you.

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Celebrating Black History Month

 

We’re continuing our celebration of Black History Month by spotlighting contemporary black poetry this Friday in Stanza. You can still join in on our celebration of and reflection on African American poetry and history by visiting Stanza and checking our Black History Month page.

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Deadline Extended for 2016 Raiziss/de Palchi Book Prize

 

Publishers, the deadline for our $10,000 Raiziss/de Palchi Book Prize has been extended through March 15. Submit your translations of a significant work of modern Italian poetry into English. The judges are Adria Bernardi, Antonello Borra, and Alessandro Carrera. No entry fee.

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Linda Gregerson: Dear Poet 2016

 

Watch Linda Gregerson read her poem “Heliotrope” as part of our National Poetry Month education project, Dear Poet, which invites students in grades 5-12 to write letters in response to poems shared by the award-winning poets serving on our Board of Chancellors.

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Secret Sonnets

O, Miami Spotlight: Secret Sonnets

 

For O, Miami Poetry Festival 2015, Connor Grey, who lost his eyesight to a gunshot wound in 2013, and his teacher, Emily Nostro, collected poems from citizens in Miami-Dade County, translated them into Braille, and mailed them to addresses provided by the poets, along with a “cheat sheet” guide to reading Braille. Take a look.

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Renew Your Winter Survival Kit with Help from the Poets Shop

 

Find great items for hunkering down and awaiting spring in the Poets Shop, including handsome notebooks, cuddle-worthy coffee mugs, and other items to inspire your indoor entertainment.

shop-poets
 
 

[Fropki] Carl Warner Can Make Landscapes Out of Anything

Posted: 23 Feb 2016 04:50 AM PST





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Carl Warner Can Make Landscapes Out of Anything
 
Artist Carl Warner can turn anything into a landscape. After spending several decades as an advertising photographer, Warner happened across some portobello mushrooms at a food market and immediately thought they looked like some kind of strange tree from an alien world.
 
He decided to take them back to his studio along with some rice seeds and beans; Warner's first 'foodscape' was born.
 












































 

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Nebraska by Michael Dumanis

Posted: 23 Feb 2016 03:31 AM PST

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February 23, 2016
 

Nebraska

 
Michael Dumanis
illustration

About This Poem

 

“I lived in Nebraska from 2005 to 2007. Often, when I told people where I lived, they’d mention having driven through the state on their way to one coast or the other, often without stopping, at times unhelpfully adding that ‘it took forever to get out of.’ It got me thinking about the people who chose to stay, who were perhaps first headed somewhere else, but decided to make this vast prairie their home.”
—Michael Dumanis

 

Michael Dumanis is the author of My Soviet Union (University of Massachusetts Press, 2007). He teaches at Bennington College and lives in Brooklyn, New York.

 

Poetry by Dumanis

 

My Soviet Union

(University of Massachusetts Press, 2007)

"Mississippi: Origins" by Anna Journey

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"What I Mean When I Say Farmhouse" by Geffrey Davis

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"Theories of Time and Space" by Natasha Trethewey

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Poem-a-Day

 

Launched during National Poetry Month in 2006, Poem-a-Day features new and previously unpublished poems by contemporary poets on weekdays and classic poems on weekends.

 
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[Fropki] Esha Gupta Gets Naughty in Bed Sheet

Posted: 23 Feb 2016 12:49 AM PST







Difference in Males & Females - Cartoons
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Shriya Saran's Sensual Midriffs Exposed in Choli
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Quote Lady's Quote for February 23

Posted: 23 Feb 2016 06:33 AM PST




Quote Lady's Quote of the Day Volume 18, Number 54
ISSN 1534-3073

Quote for Tuesday, February 23, 2016


Creativity embeds knowledge so that it can become practice. 
We move what we're learning from our heads to our hearts 
through our hands.
~ Brene Brown (Rising Strong)
 

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Note: National holidays are U.S. unless otherwise noted.

February is: Sweet Potato Month
Today, February 23 is: International Dog Biscuit Day

Birthday of: Samuel Pepys [navy expert/writer] (b. 1633)
George Frideric Handel [composer] (b. 1685)
Majel Barrett [actor] (b. 1939)


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::Shadineh:: Sex With Saali

Posted: 23 Feb 2016 08:11 PM PST

 

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::Shadineh:: Get Fucked For New Job

Posted: 23 Feb 2016 05:11 PM PST

 

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::Shadineh:: Jewels Jade-The Kindest Stepmom

Posted: 23 Feb 2016 08:11 AM PST

 



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::Shadineh:: Big Indian Boobs

Posted: 23 Feb 2016 05:11 AM PST

 

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[Fropki] Home Remedies for Hair Loss

Posted: 22 Feb 2016 08:50 PM PST





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::Shadineh:: Horny Bhabhi

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Posted: 22 Feb 2016 11:11 PM PST

 

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[Fropki] 14 Secret Hotels You Must Visit To Disconnect From The World

Posted: 22 Feb 2016 07:48 PM PST





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Every once in a while, everyone needs to just take off. And here's a list of exactly where you should head to experience blissful solitude in nature's company.

1. The Porcupine Castle, Coorg

This is the best place to drive away your exhaustion and fatigue. The Porcupine Castle offers a breathtaking view, which will enthrall you to no end. 

2. Elephant Valley Eco Farm, Kodaikanal

Located on 100 acres in the Palni Hills, Tamil Nadu, Elephant Valley excite the nature lover in you to no end. You could get to stay in tree-houses and you might even spot rare birds in the vicinity. If living in a tree-house was on your bucket list, you have to head here for a truly memorable experience.

3. Hotel Tranquility, Darjeeling

This hotel lives up to its name. Hotel Tranquility is situated in the hills and offers the best view of the massive Mt Kanchenjunga. The rooftop of the hotel will completely enchant you with its splendid scenery.

4. Mountain Trail, Uttarakhand

Mountain Trail is a haven for nature lovers. With Jim Corbett National Park just a stone's throw away, Mountain Trail is the best option if you're planning an adventure trip.

5. Vythiri Resort, Wayanad

From rejuvenating spas to long nature walks, Vythiri Resort in Wayanad is a perfect place to disconnect from the hustle-bustle of city life. Wrapped in the beautiful rainforest, this resort is a place waiting to be explored.

6. Kaama Kethna Ecological Village, Goa

Ditch the Goan beaches and go for a different experience instead. Kaama Kethna Ecological Village has a rustic charm, which will compel you to extend your stay. From meditation and yoga therapies, you will return a much calmer person than you were.

7. Rawla Camp Retreat, Jaisalmer

If deserts are your calling, then this place is a must-visit. Located in Jaisalmer, Rajasthan, you will get to stay in tents and ride on camels.

8. Thongsal, Leh

If you really want to disconnect from the world then your search ends at Thongsal. Since Leh has very poor connectivity, it will be a test of your patience to live without electricity and a wi-fi connection. With local cuisines and open air grilling, Thongsal is a recommended stay.

9. The Hidden Forest, Sikkim

The North East remains to be a lesser explored region. However, you'll be spellbound with its pristine beauty and scenery. Situated 4500 feet above sea level, the Hidden Forest will make you forget all your worries, once you check in.

10. Coconut Lagoon, Kerala

Coconut Lagoon brings you the beauty, culture and natural delights of Kerala, rolled into a one-time stay. You will experience blissful solitude among shimmering backwaters, and beautiful butterflies.

11. Hotel Heevan, Pahalgam

Situated on the banks of the River Lidder, Heevan is the most sought after hotel in Pahalgam. 

12. The Pink House, Mcleodganj

Located in the quaint Mcleodganj, the Pink House is affordable and will give you an ideal break from the city humdrum.

13. Aamod, Dalhousie

Aamod is the best Dalhousie hotel, and it is closest to nature. The hotel offers beautiful views of the snow clad peaks of the Pir Panjal range.

14. Tree House Hideaway, Bandhavgarh

A quiet tree-house overlooks the vast Bandhavgarh National Park, which boasts of the highest number of tigers in the country. If jungles really fascinated you then, this place is a must-visit.

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[Fropki] 8 Reasons You Didn't Get That Hot Guy But Deserve To

Posted: 22 Feb 2016 10:27 AM PST





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A hot guy is not some unicorn in Bollywood. He does exist in the real world. He's the elusive eye candy you can never have.

Well, that's what you've been telling yourself since forever, right?

You blame yourself. For not being attractive enough, not being smart enough, and so on. But really, here's why you need to blame yourself

Disclaimer: This story doesn't just apply to girls and gay guys. Straight guys, before you feel left out, just think of all the creepy things you've done around hot girls, these tips apply to you as well.

1. You give him too much attention.

You know he's got it all - those eyes, that jawline, the entire package. Which obviously gets him a lot of attention. The moment he walks in to the room, all eyes are on him. And if he sticks to a gang of friends, you do know that he has that charm that captivates his friends. 

Don't stare at him. Don't laugh at his jokes unless they're really funny. And most importantly, stop telling him how lovely his eyes are. He knows that. Just be normal, because that's not what he's used to. It makes him more interested when you really don't find his jokes funny or treat him like just any other guy.

2. You think he's confident and cocky.

When, in reality, he might just be a down-to-earth Greek God. You're imagining him as the alpha male of his pack who can get anybody he wants because you know that statistically, good looking people have their way. But have you ever wondered that he might have insecurities just like you? While you think you're ugly, he's probably thinking about how unfashionable and intellectually bland he is for you.

Looks play a role in the laws of attraction but it's the mind that sets off the sparks. If you've ever caught yourself wondering how a hot stud has an average looking partner, this is probably why. 

3. You're too busy being fake.

You try to align yourself to him. You tell him you love cricket because that's what you think might spark his interest in you. But here's the bad news. He's been through it all and by now he's sick of it. 

He's looking for someone genuine. And if you're not going to be who you are, then he's just not for you.

4. You're intimidated by him.

Tongue tied when he talks to you, gawking when he looks in your direction, looking away when he looks into your eyes. You're petrified and that's making him uncomfortable. 

You need to be in your comfort zone and you need to be unfazed. Yes, he's hot. Yes, you're sweating. Yes, you're nervous. Just pull yourself together, because if you don't, he's just going to think that he's intimidating.

5. You're only judging a book by its cover.

Remember the compliments he gets on a daily basis? He's sick of it. Keep your compliments to what you see behind that pretty face. Take an interest in his talent, his skills, his intellect. If these appeal to you, by all means, do compliment.

Avoid compliments on how tall he is or how big his muscles are. Reality check: He already knows that. It impresses him more when you like what's inside. His personality, not what's inside his pants!! >:|

6. You assume he's taken.

He's not a Bollywood heartthrob and it's possible him to be single. Good looks are not a guarantee to a flourishing love life, and as I mentioned, it's hard for him to find a person who wants him as that funny, sweet and sensitive boyfriend, and not the trophy that makes everyone else jealous. *cough...Eva Longoria...cough*

So be a person who is not fazed by his charm. Contrary to a stick of butter that melts under his hotness ;).

7. You think he wants you to be perfect.

Believe me, he's probably been paired with his gorgeous equals. But this is reality, not a fairy tale. 'Happily ever after' is an illusion! So if you think he's Ken looking for his Barbie, you couldn't be more wrong. 

He might look unimpressed or troubled when he's scanning the bar, but really he's probably just troubled by something else...his job. Every sane person is troubled with his job.

8. You're not being yourself.

Take off those ridiculous clothes and that Kabuki mask of make-up! Stop being a Victorian lady who god sent to earth as his soul mate. You might not have something in common and you might not catch his drift, but guess what? It's okay!

Also avoid reverse psychology and playing hard to get. Just be that someone who enjoys being who they are and is comfortable in they own skin, anytime, anywhere. I know you'll have that hot guy pushing past others just to to talk to you. You can do it and I believe you!!


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Seeing the Body by Rachel Eliza Griffiths

Posted: 22 Feb 2016 03:31 AM PST

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February 22, 2016
 

Seeing the Body

 
Rachel Eliza Griffiths
illustration

About This Poem

 

“Inarticulate parts of my self and my fears died in room 3315 so that the ‘her’ in the poem orbits my mother and also me—we both endlessly leave and arrive within ourselves and each other. Every day since the first moments of that grief I have existed in a brutal wonder and too, a brutal gratitude for my mother and all the generous ways she continues to persist and visit me—sometimes through language but mostly through my body. How crowded and alive and necessary I feel, not only privately, but also in a greater context that celebrates and communicates a powerful inheritance, in relationship to black women’s bodies, of grief, truth, and love.”
—Rachel Eliza Griffiths

 

Rachel Eliza Griffiths is the author of Lighting the Shadow (Four Way Books, 2015). She is also a visual artist and lives in Brooklyn, New York.

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Poetry by Griffiths

 

Lighting the Shadow

(Four Way Books, 2015)

"Endtime" by Anne Waldman

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"The Tradition" by Jericho Brown

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"Microwave Popcorn" by Harmony Holiday

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Poem-a-Day

 

Launched during National Poetry Month in 2006, Poem-a-Day features new and previously unpublished poems by contemporary poets on weekdays and classic poems on weekends.

 
 

[Fropki] Crashing Waves Look Like Liquid Mountains

Posted: 22 Feb 2016 04:13 AM PST





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[Fropki] Katrina Almost Exposed her Sexy Underwear

Posted: 22 Feb 2016 12:46 AM PST





 
 
 


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سامانه کسب و کار دیاموند

Posted: 22 Feb 2016 01:23 AM PST

 


 
DND.IR   سامانه کسب و کار دیاموند
 
 
اگر ایمیل را نمی بینید اینجا کلیک کنید
 
 
 
girl image
 
سامانه جامع کسب و کار دیاموند
 
 
 
شرکت داده نگاران دیاموند با سالها تجربه و به کار گیری تیمی متخصص اولین و جامع ترین سامانه ویژه کسب و کار را پیاده سازی کرده است
 
    آنالیز : وضعیت بازدید، رتبه بندی و سئو و ...
 
    پیامک : امکان ارسال و دریافت پیامک و ...
 
    تلگرام و وایبر :امکان ارسال منطقه ای و ...
 
 
داشبرد سامانه کسب و کار دیاموند
 
امکان بررسی وضعیت همه کمپین های تبلیغات، وضعیت مالی، بازخورد تبلیغات اطلاعات آماری مخاطبات، مهمترین اخبار روز و همه عملیات های اجرایی در سامانه در یک نگاه
 
جزئیات بیشتر
 
 
 
three features image
  پیامک
 
 
 
ارسال پیامک انبوه به مناطق، شهرها، استان ها مشاغل مورد نظر و مشتریان شما در یک چشم به هم زدن در ساده ترین حالت ممکن
 
three features image
  تبلیغات
 
 
 
تبلیغات وایبری ، تلگرام ، بنری، کلیکی، ایمیلی و گوگلی از درخواست تا مدیریت کمپین و بررسی بازخورد تبلیغات همه و همه در یک داشبورد
 
three features image
  آنالیز
 
 
 
امکان دریافت و بررسی به لحظه اطلاعات حیاتی وب سایت شما مثل: تعداد بازدید از سایت، رتبه سایت در کشور اطلاعات دامنه، سازگاری با موتورهای جستجو و ...
 
 
 
modular design image  
امکانات ارسال وایبر و تلگرام
 
 
 
ارسال با نام تجاری ارسال داینامیک (استفاده از نام اشخاص در متن) ارسال بدون محدودییت بدون نیاز با خرید خط بدون بلاک شدن شماره هر پیام وایبر فقط 6 تومان
 
ثبت نام رایگان
 
 
 
 
phone image
 
پنل تحت وب و کاملا ریسپانسیو
 
 
 
تیم قدرتمند پشتیبانی هر لحظه و در هر شرایطی با همه توان علمی و اجرایی جهت ارائه مشاوره از طریق سامانه تیکتینگ، تماس تلفنی و مراجعه حضوری در تمام قسمت ها در کنار شما خواهد بود
 
    سامانه ارسال پیام وایبری چیست؟
 
    تبلیغات پیامکی چیست؟
 
    آیا با همه روش های تبلیغاتی مناسب کسب و کارتان آشنایی دارید؟
 
 
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::Shadineh:: Horny Actress Mamatha

Posted: 22 Feb 2016 08:11 PM PST

 




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::Shadineh:: Young Boy With Mature Aunty

Posted: 22 Feb 2016 05:11 PM PST

 




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::Shadineh:: Ariella Ferrera Erotic Sex (ADULT VIDEO)

Posted: 22 Feb 2016 08:11 AM PST

 



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Quote Lady's Quote for February 22

Posted: 22 Feb 2016 06:39 AM PST




Quote Lady's Quote of the Day Volume 19, Number 53
ISSN 1534-3073

Quote for Monday, February 22, 2016


A seasonal Monday quote

See. Winter comes to rule the varied year,
Sullen and sad.
~ James Thomson ("Winter" The Seasons)

   
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February is: Spunky Old Broads Month
This week is: National Pancake Week
Today, February 22 is: World Thinking Day

Birthday of: George Washington [1st American President]
   (b. 1732)
George "Sparky" Anderson [baseball manager] (b. 1934)
Drew Barrymore [actor] (b. 1975)



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::Shadineh:: Sex At Coffee Time

Posted: 22 Feb 2016 05:11 AM PST

 

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::Shadineh:: Hot Bhabhi Alone

Posted: 22 Feb 2016 02:11 AM PST

 

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