Review Tokomodal – P2P Lending Micro Tenor Singkat

Review ini dibuat pertama kali pada tanggal 1 Juli 2019 dan terakhir diperbaharui pada 7 Juli 2021. Review kali ini ditulis menggunakan informasi dari rekan saya selaku pihak yang mencoba Tokomodal serta berhasil mendanai DAN menarik dana dari Tokomodal. Saya sendiri tidak pernah kebagian pendanaan di Tokomodal sehingga tidak punya portfolio disini. Kriteria penilaian yang digunakan untuk mengulas Tokomodal dibahas lengkap di tulisan BAGAIMANA MENGEVALUASI P2P LENDING. Sebelum membaca review ini, saya merekomendasikan anda membaca tulisan tersebut supaya bisa memahami jelas kriteria yang digunakan dalam review ini.

Latar Belakang Perusahaan Tokomodal

Latar belakang perusahaan meningkatkan kredibilitas terhadap pihak yang mengelola uang anda, semakin transparan, semakin baik nilainya.

Halaman FAQ di Tokomodal tidak bisa diakses sehingga saya kesulitan mempelajari latar belakangnya. Hanya tertulis bahwa nama legal mereka adalah PT Toko Modal Mitra Usaha. Tokomodal berusaha meningkatkan kredibilitas mereka dengan cara memajang foto dan nama lengkap jajaran direksi dan komisaris mereka. Saya mencoba menelusuri latar belakang orang-orang tersebut, dan kesan saya kurang meyakinkan karena hanya dua dari empat orang yang memiliki latar belakang transparan.

Tokomodal bekerjasama dengan Alfamart dalam hal menyalurkan dana, sehingga anda tidak perlu heran melihat hampir semua pinjamannya bertuliskan “Pinjaman Usaha Alfamart”. Sepemahaman saya, Alfamart memang memiliki program sosial untuk membantu pelaku usaha mikro. Nah, sepertinya Alfamart bekerjasama dengan Tokomodal untuk menghimpun modal yang akan digunakan untuk membantu para pelaku usaha mikro tersebut.

Produk Pendanaan Tokomodal

Kuantitas Pinjaman Tokomodal

Kuantitas pinjaman penting agar dana anda tidak nganggur (tidak berbunga) serta mempermudah proses diversifikasi untuk meminimalkan risiko.

Mirip sekali dengan Danamas dimana anda hampir tidak mungkin kebagian pinjaman karena berebutan dengan lender lainnya.

Sebenarnya jumlahnya tergolong banyak, namun masalahnya adalah plafon pinjamannya sangat kecil (umumnya dibawah Rp5 juta), sehingga satu pinjaman bisa selesai terdanai oleh satu lender saja.

Apabila anda memang seniat itu mau mendanai Tokomodal, maka harus meng-install aplikasi Tokomodal di HP anda agar bisa langsung funding ketika ada notification tentang pinjaman baru disana.

Variasi Pinjaman Tokomodal

Seperti yang saya tuliskan diatas, hampir semua pinjaman di Tokomodal merupakan hasil dari program kerjasama dengan Alfamart. Semua pinjaman yang terlihat oleh mata saya juga memiliki tenor tujuh hari dengan suku bunga 16%.

Jadi, variasi pinjaman dalam Tokomodal bisa dibilang nihil karena semua memiliki kategori sama, bunga sama, tenor sama, dan plafon yang tergolong kecil.

Jumlah Minimal Investasi Tokomodal

Rekan saya menginformasikan bahwa minimal top-up dana adalah Rp300 ribu.

Likuiditas Tokomodal

Melihat tenor pinjaman disini yang semuanya hanya berdurasi tujuh hari, tentu likuiditas luar biasa tinggi. Plafon pinjaman yang rendah juga berarti proses penggalangan dana akan selesai dalam waktu sangat singkat, sehingga dana anda tidak nganggur lama-lama sebelum diberikan kepada peminjam.

Oh iya, sama seperti Danamas, bunga pinjaman anda diterima dimuka lho 🙂

Dampak Sosial Tokomodal

Menurut saya cukup baik. Semua orang yang meminjam di Tokomodal merupakan individu-individu hasil binaan Alfamart yang merintis usaha sendiri. Dengan mendanai pinjaman mereka di Tokomodal, tentu anda secara langsung membantu penghasilan hidup mereka.

Legalitas Tokomodal

Sejauh ini kelihatan aman, karena Tokomodal telah berizin OJK.

Saya juga tidak bisa menemukan pengaduan, laporan, berita, komentar, atau cerita tentang masalah besar dalam Tokomodal. Beberapa komentar negatif yang terlihat hanya karena ada keterlambatan pembayaran pinjaman yang sebenarnya sangat normal dalam dunia P2P lending.

Apakah Tokomodal penipu? Bukan kok, tenang saja. Maaf anda telah terjebak SEO saya.

Untuk memahami peran OJK serta makna kata ‘diawasi’, baca artikel ini di poin ketiga.

RM dan Customer Service Tokomodal

Pesan melalui Whatsapp dibalas dalam hitungan menit, bahkan saat hari Sabtu sekalipun. Untuk e-mail, komunikasi dibalas dalam 30 menit-2 jam, yang menurut saya sangatlah responsif. Kualitas balasan tergolong cukup lengkap dan tidak terkesan menggunakan template otomatis, namun rekan saya berpendapat bahwa mereka harusnya lebih transparan dalam menjabarkan masalah.

Saya tidak mengetahui perihal keberadaan RM di Tokomodal, apakah ada atau tidak.

Persentase Non Performing Loan (NPL) Tokomodal

Tokomodal telah menuruti aturan OJK yang mengharuskan P2P lending memajang NPL mereka secara realtime di halaman depan website mereka. Per 1 Juli 2019, NPL Tokomodal menunjukkan 0% yang berarti tidak ada pinjaman gagal sama sekali dalam 90 hari terakhir.

Kendati demikian, rekan saya yang mencoba Tokomodal merasakan pinjaman macet meskipun hanya telat bayar selama dua minggu.

Mitigasi Risiko Tokomodal

Pendanaan anda dikenakan biaya administrasi dan asuransi, sehingga harusnya bila terjadi gagal bayar, ada perlindungan yang menjamin pokok modal anda.

Saya berkata “harusnya”, karena Tokomodal tidak menulis pernyataan kuat tentang perlindungan modal ini. Asumsi saya hanya berdasarkan pengalaman dan analisis saya.

Informasi lebih lanjut tentang penanganan gagal bayar, baca artikel ini.

Tokomodal Syariah atau Tidak?

Tidak.

Promo dan Referral Tokomodal

Tidak ada program referral.

Kesimpulan

Kelebihan Tokomodal:

  • Pinjaman dengan plafon rendah berarti mengurangi risiko dana nganggur dan mempercepat likuiditas.
  • Likuiditas yang luar biasa tinggi karena tenor yang singkat-singkat.
  • Dampak sosial yang bagus.

Kekurangan Tokomodal:

  • Latar belakang perusahaan yang tidak jelas.
  • Anda akan sangat kesulitan mendapat pinjaman disini.
  • Website dipenuhi masalah teknis.

Tokomodal memiliki keunggulan yang belum terkalahkan oleh P2P lending lainnya: likuiditas yang luar biasa tinggi.

Saya belum menemukan P2P lending produktif lain dengan likuiditas yang setinggi Tokomodal. Bahkan Danamas yang sepertinya menjadi inspirasi Tokomodal memiliki tenor dua kali lebih lama.

Apabila anda melirik P2P lending jenis konsumtif, tentu Easycash memiliki likuiditas yang lebih tinggi karena tidak memiliki tenor sama sekali, dan Asetku sayangnya sudah menghapus tenor delapan hari sehingga pilihan anda untuk likuiditas dibawah sepuluh hari tidak banyak lagi.

Siapa yang cocok berinvestasi disini?

  • Investor yang punya banyak waktu luang untuk mengawasi pinjaman baru di Tokomodal setiap saat, sehingga bisa langsung berebutan pendanaan.
  • Investor yang mau mendukung program sosial milik Alfamart.
  • Investor yang mau likuiditas sangat tinggi.

Demikian ulasan/review saya tentang Tokomodal. Semoga bisa memberi anda gambaran tentang kelebihan dan kekurangan Tokomodal, serta membantu anda menentukan apakah Tokomodal aman untuk profil risiko anda. Jangan lupa untuk membandingkan website P2P lending lainnya.

Adrian Siaril
Adrian Siaril

The boss

Articles: 599

232 Comments

Leave a Reply

Alamat email Anda tidak akan dipublikasikan. Ruas yang wajib ditandai *

Situs ini menggunakan Akismet untuk mengurangi spam. Pelajari bagaimana data komentar Anda diproses.

  1. I’m not sure exactly why but this website is loading incredibly slow for me. Is anyone else having this issue or is it a issue on my end? I’ll check back later and see if the problem still exists.|

  2. Attractive section of content. I just stumbled upon your weblog and in accession capital to assert that I get in fact enjoyed account your blog posts. Anyway I will be subscribing to your augment and even I achievement you access consistently fast.|

  3. I am not sure the place you are getting your information, but great topic. I must spend a while finding out more or understanding more. Thanks for great information I was searching for this information for my mission.|

  4. This is the perfect site for anybody who wishes to find out about this topic. You realize a whole lot its almost hard to argue with you (not that I actually would want to…HaHa). You definitely put a new spin on a topic which has been discussed for many years. Great stuff, just wonderful.

  5. You actually make it seem so easy with your presentation however I to find this matter to be actually one thing which I think I would never understand. It kind of feels too complicated and very large for me. I’m taking a look forward on your next put up, I’ll try to get the dangle of it!|

  6. Hey there! Someone in my Myspace group shared this website with us so I came to check it out. I’m definitely enjoying the information. I’m book-marking and will be tweeting this to my followers! Outstanding blog and fantastic style and design.|

  7. I’m not sure where you are getting your info, but great topic. I needs to spend some time learning much more or understanding more. Thanks for great information I was looking for this information for my mission.|

  8. I truly love your website.. Pleasant colors & theme. Did you make this web site yourself? Please reply back as I’m hoping to create my own personal site and would love to learn where you got this from or exactly what the theme is called. Cheers!

  9. Wow that was strange. I just wrote an extremely long comment but after I clicked submit my comment didn’t appear. Grrrr… well I’m not writing all that over again. Anyway, just wanted to say excellent blog!|

  10. The next time I read a blog, Hopefully it won’t disappoint me as much as this particular one. I mean, Yes, it was my choice to read, but I genuinely believed you’d have something useful to talk about. All I hear is a bunch of crying about something you could fix if you weren’t too busy seeking attention.

  11. Hey There. I discovered your blog the usage of msn. That is a very well written article. I will be sure to bookmark it and come back to learn more of your useful information. Thank you for the post. I will certainly comeback.|

  12. My spouse and I stumbled over here different web page and thought I might as well check things out. I like what I see so now i’m following you. Look forward to looking at your web page for a second time.|

  13. Hi there, just was alert to your weblog thru Google, and found that it is really informative. I am going to be careful for brussels. I will be grateful for those who proceed this in future. A lot of other people might be benefited out of your writing. Cheers!|

  14. May I simply say what a comfort to uncover a person that genuinely understands what they’re discussing online. You actually realize how to bring a problem to light and make it important. More people should look at this and understand this side of your story. I was surprised that you are not more popular since you most certainly possess the gift.

  15. Howdy! Someone in my Facebook group shared this site with us so I came to take a look. I’m definitely enjoying the information. I’m book-marking and will be tweeting this to my followers! Excellent blog and fantastic design and style.|

  16. Greetings! This is my first visit to your blog! We are a collection of volunteers and starting a new project in a community in the same niche. Your blog provided us valuable information to work on. You have done a marvellous job!|

  17. Hello there, simply was alert to your blog via Google, and found that it is truly informative. I am gonna watch out for brussels. I’ll be grateful should you proceed this in future. Lots of other folks shall be benefited out of your writing. Cheers!

  18. What i do not realize is in reality how you’re now not actually a lot more neatly-favored than you may be right now. You’re so intelligent. You realize therefore significantly on the subject of this matter, made me in my opinion imagine it from a lot of various angles. Its like men and women aren’t fascinated unless it?¦s one thing to accomplish with Woman gaga! Your individual stuffs outstanding. All the time deal with it up!

  19. Hi! I know this is kind of off topic but I was wondering which blog platform are you using for this website? I’m getting fed up of WordPress because I’ve had issues with hackers and I’m looking at alternatives for another platform. I would be great if you could point me in the direction of a good platform.|

  20. Heya are using WordPress for your site platform? I’m new to the blog world but I’m trying to get started and create my own. Do you need any html coding knowledge to make your own blog? Any help would be really appreciated!

  21. Hello my family member! I wish to say that this post is amazing, nice written and come with almost all important infos. I would like to peer extra posts like this .|

  22. I got this web page from my buddy who informed me concerning this site and at the moment this time I am browsing this web site and reading very informative posts at this time.|

  23. Undeniably believe that that you stated. Your favourite justification appeared to be on the net the simplest thing to take note of. I say to you, I certainly get annoyed even as other people consider issues that they plainly don’t recognise about. You managed to hit the nail upon the highest and outlined out the whole thing with no need side-effects , other folks could take a signal. Will probably be back to get more. Thanks|

  24. This is really interesting, You’re a very skilled blogger. I’ve joined your feed and look forward to seeking more of your excellent post. Also, I have shared your website in my social networks!|

  25. This is very interesting, You’re a very skilled blogger. I have joined your feed and look forward to seeking more of your great post. Also, I have shared your website in my social networks!|

  26. I was excited to uncover this site. I wanted to thank you for ones time for this particularly wonderful read!! I definitely savored every part of it and I have you book-marked to see new information on your website.

  27. I have been exploring for a bit for any high quality articles or blog posts on this sort of house . Exploring in Yahoo I at last stumbled upon this site. Reading this information So i am happy to exhibit that I have an incredibly good uncanny feeling I came upon exactly what I needed. I most surely will make certain to do not fail to remember this web site and provides it a glance on a continuing basis.|

  28. obviously like your website however you have to take a look at the spelling on quite a few of your posts. A number of them are rife with spelling issues and I find it very bothersome to tell the truth nevertheless I will certainly come back again.

  29. Hi, i think that i saw you visited my web site thus i got here to go back the want?.I’m attempting to to find issues to enhance my website!I guess its good enough to make use of some of your concepts!!|

  30. Youre so cool! I dont suppose Ive read anything like this before. So good to seek out anyone with some original thoughts on this subject. realy thank you for starting this up. this web site is something that is needed on the net, someone with just a little originality. useful job for bringing something new to the internet!

  31. Thanks for ones marvelous posting! I truly enjoyed reading it, you might be a great author.I will make certain to bookmark your blog and will often come back later on. I want to encourage you continue your great work, have a nice afternoon!|

  32. My spouse and I stumbled over here by a different web page and thought I might check things out. I like what I see so now i’m following you. Look forward to looking over your web page for a second time.|

  33. We are a gaggle of volunteers and opening a brand new scheme in our community. Your website provided us with helpful information to work on. You have performed an impressive process and our whole neighborhood will likely be grateful to you.|

  34. Admiring the commitment you put into your website and in depth information you provide. It’s awesome to come across a blog every once in a while that isn’t the same outdated rehashed material. Excellent read! I’ve bookmarked your site and I’m including your RSS feeds to my Google account.|

  35. The very crux of your writing whilst appearing agreeable originally, did not work well with me after some time. Somewhere within the paragraphs you managed to make me a believer unfortunately only for a very short while. I still have got a problem with your leaps in logic and you would do well to help fill in all those breaks. In the event you actually can accomplish that, I would undoubtedly end up being impressed.

  36. I’m now not positive the place you are getting your information, however great topic. I must spend a while finding out more or figuring out more. Thank you for fantastic information I was looking for this information for my mission.|

  37. Generally I do not read post on blogs, but I wish to say that this write-up very compelled me to try and do so! Your writing taste has been amazed me. Thanks, quite great post.|

  38. I got this web page from my pal who shared with me concerning this web page and now this time I am browsing this web site and reading very informative articles or reviews here.|

  39. Generally I don’t read post on blogs, but I would like to say that this write-up very pressured me to check out and do so! Your writing taste has been amazed me. Thank you, quite great article.|

  40. Howdy would you mind letting me know which hosting company you’re using? I’ve loaded your blog in 3 different web browsers and I must say this blog loads a lot faster then most. Can you recommend a good web hosting provider at a fair price? Cheers, I appreciate it!|

  41. Having read this I believed it was rather informative. I appreciate you taking the time and energy to put this article together. I once again find myself personally spending a lot of time both reading and commenting. But so what, it was still worthwhile!|

  42. Greetings! This is my 1st comment here so I just wanted to give a quick shout out and tell you I truly enjoy reading your posts. Can you recommend any other blogs/websites/forums that cover the same topics? Thanks!|

  43. fantastic submit, very informative. I’m wondering why the opposite specialists of this sector don’t realize this. You must proceed your writing. I am confident, you’ve a great readers’ base already!|

  44. Pretty component of content. I simply stumbled upon your blog and in accession capital to say that I acquire in fact loved account your blog posts. Any way I’ll be subscribing in your feeds or even I achievement you get admission to consistently quickly.|

  45. I’ve been surfing online more than three hours today, yet I never found any interesting article like yours. It’s pretty worth enough for me. In my view, if all website owners and bloggers made good content as you did, the internet will be much more useful than ever before.

  46. Have you ever considered about adding a little bit more than just your articles? I mean, what you say is important and everything. Nevertheless think about if you added some great visuals or videos to give your posts more, “pop”! Your content is excellent but with pics and video clips, this site could certainly be one of the greatest in its niche. Wonderful blog!|

  47. You have made some really good points there. I looked on the net to find out more about the issue and found most individuals will go along with your views on this site.|

  48. Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You obviously know what youre talking about, why waste your intelligence on just posting videos to your blog when you could be giving us something informative to read?|

  49. I do not even know how I stopped up here, however I assumed this submit used to be good. I do not know who you are however definitely you are going to a famous blogger when you aren’t already. Cheers!|

  50. Hello, i think that i saw you visited my web site thus i came to “return the favor”.I’m attempting to find things to improve my site!I suppose its ok to use a few of your ideas!!|

  51. I’m curious to find out what blog system you are working with? I’m having some minor security issues with my latest site and I would like to find something more risk-free. Do you have any suggestions?|

  52. Hi, I think your site might be having browser compatibility issues. When I look at your blog site in Chrome, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, amazing blog!|

  53. Howdy just wanted to give you a quick heads up. The text in your article seem to be running off the screen in Ie. I’m not sure if this is a format issue or something to do with web browser compatibility but I thought I’d post to let you know. The layout look great though! Hope you get the problem fixed soon. Cheers|

  54. Thanks a lot for sharing this with all people you actually understand what you’re talking about! Bookmarked. Kindly also consult with my web site =). We can have a link exchange contract between us|

  55. Thanks for the auspicious writeup. It if truth be told was once a leisure account it. Look complicated to more delivered agreeable from you! By the way, how can we keep up a correspondence?|

  56. Hi! Someone in my Facebook group shared this website with us so I came to check it out. I’m definitely loving the information. I’m bookmarking and will be tweeting this to my followers! Terrific blog and wonderful design and style.

  57. Your style is so unique compared to other people I have read stuff from. Many thanks for posting when you have the opportunity, Guess I’ll just bookmark this web site.

  58. A motivating discussion is worth comment. There’s no doubt that that you should write more on this subject, it may not be a taboo subject but usually folks don’t speak about these subjects. To the next! Cheers!

  59. excellent issues altogether, you just received a brand new reader. What could you recommend in regards to your submit that you just made a few days ago? Any sure?|

  60. Your style is very unique in comparison to other folks I’ve read stuff from. Many thanks for posting when you have the opportunity, Guess I will just book mark this page.

  61. I was just seeking this information for some time. After 6 hours of continuous Googleing, finally I got it in your website. I wonder what is the lack of Google strategy that don’t rank this type of informative websites in top of the list. Generally the top websites are full of garbage.

  62. Its like you read my mind! You seem to know so much about this, like you wrote the book in it or something. I think that you can do with some pics to drive the message home a bit, but instead of that, this is excellent blog. A fantastic read. I will definitely be back.|

  63. I really like your blog.. very nice colors & theme. Did you create this website yourself or did you hire someone to do it for you? Plz respond as I’m looking to construct my own blog and would like to find out where u got this from. thanks|

  64. After looking into a number of the blog posts on your blog, I honestly appreciate your way of writing a blog. I book-marked it to my bookmark site list and will be checking back in the near future. Take a look at my website too and let me know your opinion.|

  65. Howdy are using WordPress for your site platform? I’m new to the blog world but I’m trying to get started and create my own. Do you need any coding knowledge to make your own blog? Any help would be really appreciated!|

  66. obviously like your website but you have to take a look at the spelling on quite a few of your posts. A number of them are rife with spelling issues and I in finding it very bothersome to tell the reality however I will certainly come back again.|

  67. Hey there, You’ve done a fantastic job. I will certainly digg it and for my part recommend to my friends. I am confident they will be benefited from this web site.|

  68. My partner and I stumbled over here different web address and thought I should check things out. I like what I see so i am just following you. Look forward to finding out about your web page repeatedly.|

  69. I just like the valuable info you supply for your articles. I’ll bookmark your blog and take a look at once more here frequently. I’m slightly sure I will be informed plenty of new stuff right here! Good luck for the following!|

  70. Does your website have a contact page? I’m having problems locating it but, I’d like to shoot you an e-mail. I’ve got some recommendations for your blog you might be interested in hearing. Either way, great site and I look forward to seeing it expand over time.|

  71. Right here is the right site for anybody who hopes to find out about this topic. You understand a whole lot its almost hard to argue with you (not that I really will need to…HaHa). You definitely put a brand new spin on a subject that has been discussed for ages. Wonderful stuff, just great.

  72. whoah this weblog is magnificent i really like studying your articles. Stay up the good work! You realize, a lot of individuals are hunting around for this info, you could aid them greatly. |

  73. After I initially commented I seem to have clicked on the -Notify me when new comments are added- checkbox and now whenever a comment is added I receive 4 emails with the same comment. Is there an easy method you are able to remove me from that service? Many thanks.

  74. Spot on with this write-up, I truly believe that this amazing site needs far more attention. I’ll probably be returning to see more, thanks for the advice.

  75. After looking at a handful of the blog posts on your site, I truly appreciate your way of writing a blog. I bookmarked it to my bookmark site list and will be checking back in the near future. Please check out my web site as well and let me know what you think.

  76. It’s in point of fact a great and helpful piece of information. I am happy that you just shared this useful information with us. Please stay us informed like this. Thanks for sharing.|

  77. Hiya very nice web site!! Guy .. Beautiful .. Amazing .. I’ll bookmark your web site and take the feeds also? I’m glad to seek out a lot of useful info here within the submit, we’d like work out extra strategies in this regard, thank you for sharing. . . . . .|

  78. Hi! Someone in my Facebook group shared this website with us so I came to take a look. I’m definitely enjoying the information. I’m book-marking and will be tweeting this to my followers! Terrific blog and great design and style.|

  79. Hi there! This blog post couldn’t be written much better! Going through this article reminds me of my previous roommate! He constantly kept preaching about this. I will send this article to him. Fairly certain he’ll have a very good read. Thanks for sharing!

  80. An interesting discussion is definitely worth comment. I believe that you need to write more on this subject matter, it may not be a taboo subject but typically folks don’t speak about such subjects. To the next! All the best.

  81. Hi! I could have sworn I’ve been to your blog before but after going through some of the articles I realized it’s new to me. Anyways, I’m definitely pleased I discovered it and I’ll be bookmarking it and checking back frequently!

  82. This is the perfect website for anyone who wishes to understand this topic. You understand a whole lot its almost hard to argue with you (not that I personally would want to…HaHa). You certainly put a brand new spin on a topic that has been written about for ages. Excellent stuff, just excellent.

  83. Spot on with this write-up, I absolutely think this amazing site needs a great deal more attention. I’ll probably be returning to read through more, thanks for the info.

  84. You’ve made some really good points there. I looked on the internet for additional information about the issue and found most people will go along with your views on this site.

  85. Pretty section of content. I just stumbled upon your blog and in accession capital to assert that I get in fact enjoyed account your blog posts. Anyway I will be subscribing to your augment and even I achievement you access consistently quickly.|

  86. certainly like your web-site however you need to test the spelling on quite a few of your posts. Many of them are rife with spelling problems and I to find it very bothersome to tell the truth then again I will definitely come again again.|

  87. Very good blog! Do you have any helpful hints for aspiring writers? I’m planning to start my own site soon but I’m a little lost on everything. Would you recommend starting with a free platform like WordPress or go for a paid option? There are so many choices out there that I’m completely confused .. Any suggestions? Kudos!|

  88. It is very difficult to read other people’s e-mails on the computer without knowing the password. But even though Gmail has high security, people know how to secretly hack into Gmail account. We will share some articles about cracking Gmail, hacking any Gmail account secretly without knowing a word.

  89. Watch for free the best collection XXX video: Porn paniful torture in cartoon monsters !
    Screw your sister like a pro at our incest XXX porn site.
    So you got yourself some ETH and now you’re wondering how you can use it at an online casino.
    We can only treat him as a crew member, but what happened back then, they are We don t know who killed you.The number is here.
    DVI files should run on the testimony of countless scientists who also most oppose
    the teachings of the Catholic Church through no fault of his posting, in which the idea that it passes the diagnostics.
    RELIGION, THE WEAL OF THE CHURCH AND THE NEED OF THE TIMES.
    A History of the Life and Times of Louis the Eighth.
    THE LOST STEAMER: a History of the Amazon. People usually use vacuum devices to treat
    erectile dysfunction. A Series of Lectures for Family, School-room, and General Use.
    In Ten Lectures. By the Rev. W. LEASK. To get his attention it was often sufficient just to look
    at him steadily for five or ten seconds, and a wave always worked.
    Everything worked out here. Ren Ran spread out the illusion of the picture scroll.

  90. A fascinating discussion is definitely worth comment. There’s no doubt that that you ought to publish more on this subject, it might not be a taboo matter but typically people do not talk about such topics. To the next! Kind regards!

  91. Blonde Shaved Young Vagina Fisting Female Vaginal Male Long Hair
    Veneisse Deep Fisting Large Penetrations Large Insertions 03:00 Little Alexa Flexy gets fisted
    and fucked IV326 Anal Blonde Interracial Blowjob
    Deep Throat Teens Fisting Ass To Mouth Russia Bbc
    Big Butt 1 On 1 Huge Toys Gapes Gaping Asshole 01:
    38 Fisting Layla Extreme – Xmas &amp New Year Champagne Teen Toy Fetish Fisting Layla 22:
    07 Young V drinks, smokes and masturbates with a HUGE
    JAR COMPLETELY STUFFED up her vagina! When a woman is willing to
    engage in anal sex with a lover, it usually comes from a place of significant trust
    and love. Male Q Adult Store Featured Love Rings –
    PERFECT FIT SILISKIN COCK & BA BALL CLEAR released on 3/15/2017, by Perfect Fit.
    I squealed as I heard him growl and his cock shot cum into my
    asshole. You have a choice of exchange-traded funds (ETFs), such as index funds and futures funds, in addition to a range of cryptocurrency
    investment trusts. In January 2024, the Securities and
    Exchange Commission approved the first Bitcoin Spot ETFs.
    Some crypto-focused funds invest in cryptocurrency directly, while others invest in crypto-focused companies
    or derivative securities such as futures contracts.
    Invest in cryptocurrency companies: You can invest in companies with a partial or
    total focus on cryptocurrency.

  92. I’m amazed, I must say. Rarely do I come across a blog that’s both equally educative and entertaining, and let me tell you, you have hit the nail on the head. The issue is an issue that not enough people are speaking intelligently about. Now i’m very happy I found this during my hunt for something concerning this.

  93. Fardousa, 22, who has been a sex worker for three years, sits in a
    dark room shaded by red curtains in a bullet-ridden apartment building
    in Mogadishu’s Wardhigley district. The rash extends to your foreskin:
    Being a wee bit brutal with masturbation or sex will certainly make the foreskin and the helmet go
    red like any other skin. The rash sometimes sends my foreskin underneath all red as well which goes after a day.

    A lot of my sensation is gone, as well. During the trip and
    afterwards I had a lot of pain in the area between the scrotum and the anus.
    You need to relax the sphincter muscle of the anus – the muscle you squeeze when you need to have a bowel movement but have to wait – to receive anal sex.
    Appearance of the penis: From what you describe, I
    would need more detail, it sounds normal. Or is there a more compelling reason for an investment in one
    or more specific digital tokens? Once the penis is inside
    the anus, any thrusting should start only after the penis has ‘rested’ there for a while.
    At the start of the year she did not believe that President Putin would order his men deeper into Ukraine, with such
    brutal consequences.

  94. Greetings from Idaho! I’m bored to tears at work so I decided to browse your website on my iphone during lunch break. I enjoy the info you present here and can’t wait to take a look when I get home. I’m amazed at how quick your blog loaded on my phone .. I’m not even using WIFI, just 3G .. Anyhow, very good blog!|

  95. Hi there, I found your web site by means of Google at the same time as looking for a comparable topic, your website got here up, it seems good. I’ve bookmarked it in my google bookmarks.

  96. I have lеarn a few goiod stuff here. Certainly price boolkmarking
    for revisiting. I surprise how a lot attempt you place to create this sortt of excellent informative web
    site.

    Here is my sіte; chatrush

  97. I seriously love your site.. Great colors & theme. Did you build this web site yourself? Please reply back as I’m attempting to create my own personal site and want to find out where you got this from or what the theme is called. Appreciate it!

  98. I’m impressed, I have to admit. Rarely do I encounter a blog that’s equally educative and engaging, and let me tell you, you’ve hit the nail on the head. The problem is something that too few folks are speaking intelligently about. Now i’m very happy that I stumbled across this during my hunt for something concerning this.

  99. Hi, I do think this is a great web site. I stumbledupon it 😉 I’m going to revisit yet again since I book marked it. Money and freedom is the best way to change, may you be rich and continue to guide others.|

  100. Its such as you read my mind! You seem to grasp so much about this, such as you wrote the ebook in it or something. I think that you simply could do with some to force the message home a bit, but other than that, that is fantastic blog. A fantastic read. I’ll certainly be back.|

  101. If you’re having it, just remember to breathe; I never did have anal sex without, without,
    like, toys, like clit stimulators or something like that, you know?
    But current rates suggest that around a third of men have performed anal sex
    on a woman, and slightly fewer women report having received anal sex.
    An expanded version of this paper is available as UC
    Berkeley technical report EECS-2008-25. An NHS-commissioned report which called for a rethink of children’s gender identity
    services in England said that some healthcare professionals
    already felt under pressure to “take a purely affirmative approach” to young people who said they wanted to transition. Like disinformation expert Josef Holnburger,
    who asked to speak to us away from his CEMAS offices for security
    reasons, and intelligence chief Stephen Kramer, who lives with the knowledge that he’s a constant target.
    76337932Does this look like a pleasant situation? It seems like whenev… Like a step by step guide in self-improvement?
    76337044Why is it that when his friends are in crisis or suicidal he can spend all night helping them but wh… Blonde Shaved Young Vagina Slim Fisting Female Self Fisting
    Vaginal Male Long Hair Veneisse Vaginal Fisting Vaginal Gaping Large Penetrations Large Insertions Large Bottle Large Dildoes Vaginal Stretching Double Vaginal Fisting 15:
    53 Young V inserts BEER CAN AND HUGE DILDO up her vagina!

  102. I have to thank you for the efforts you have put in penning this blog. I’m hoping to see the same high-grade blog posts by you in the future as well. In fact, your creative writing abilities has inspired me to get my own, personal blog now 😉

  103. Greetings from Ohio! I’m bored to death at work so I decided to check out your site on my iphone during lunch break. I love the info you provide here and can’t wait to take a look when I get home. I’m amazed at how quick your blog loaded on my cell phone .. I’m not even using WIFI, just 3G .. Anyways, fantastic site!|

  104. Hey there just wanted to give you a quick heads up. The words in your content seem to be running off the screen in Internet explorer. I’m not sure if this is a format issue or something to do with internet browser compatibility but I thought I’d post to let you know. The design look great though! Hope you get the problem solved soon. Cheers|

  105. I’m not sure why but this weblog is loading very slow for me. Is anyone else having this problem or is it a issue on my end? I’ll check back later on and see if the problem still exists.|

  106. We are a group of volunteers and opening a new scheme in our community. Your web site provided us with valuable info to work on. You’ve done a formidable job and our whole community will be thankful to you.|

  107. Today, I went to the beach front with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is completely off topic but I had to tell someone!|

  108. Fantastic goods from you, man. I have remember your stuff prior to and you are just too excellent. I actually like what you’ve received right here, really like what you’re stating and the way wherein you are saying it. You make it entertaining and you still take care of to stay it sensible. I cant wait to read much more from you. This is really a tremendous site.|

  109. I’m gone to convey my little brother, that he should also pay a visit this web site on regular basis to get updated from most recent information.|

  110. We’re a gaggle of volunteers and opening a new scheme in our community. Your website offered us with useful information to work on. You have done an impressive task and our whole group will be grateful to you.|

  111. Awesome issues here. I’m very happy to peer your post. Thank you a lot and I am taking a look ahead to touch you. Will you please drop me a e-mail?|

  112. Howdy would you mind letting me know which web host you’re using? I’ve loaded your blog in 3 completely different internet browsers and I must say this blog loads a lot faster then most. Can you recommend a good internet hosting provider at a honest price? Thanks, I appreciate it!|

  113. May I simply say what a comfort to discover a person that actually knows what they are talking about over the internet. You certainly understand how to bring an issue to light and make it important. More people need to look at this and understand this side of the story. It’s surprising you are not more popular given that you most certainly have the gift.

  114. Do you mind if I quote a couple of your articles as long as I provide credit and sources back to your weblog? My website is in the very same niche as yours and my visitors would certainly benefit from some of the information you provide here. Please let me know if this alright with you. Thank you!|

  115. Heya excellent website! Does running a blog such as this take a large amount of work? I’ve very little knowledge of computer programming but I was hoping to start my own blog soon. Anyways, if you have any ideas or tips for new blog owners please share. I know this is off subject but I just needed to ask. Thank you!|