<sup id="bvqzn"></sup>

      <sup id="bvqzn"></sup>

      <dl id="bvqzn"></dl><dl id="bvqzn"><menu id="bvqzn"><form id="bvqzn"></form></menu></dl>
      <dl id="bvqzn"><menu id="bvqzn"></menu></dl>

      <em id="bvqzn"></em>

        <sup id="bvqzn"></sup>

          <sup id="bvqzn"></sup>
          <em id="bvqzn"><ins id="bvqzn"></ins></em><dl id="bvqzn"><ins id="bvqzn"><small id="bvqzn"></small></ins></dl>

              <dl id="bvqzn"></dl>

                  <progress id="bvqzn"><span id="bvqzn"><ruby id="bvqzn"></ruby></span></progress><dl id="bvqzn"><ol id="bvqzn"><mark id="bvqzn"></mark></ol></dl>
                  <progress id="bvqzn"><tr id="bvqzn"></tr></progress>

                  <sup id="bvqzn"><menu id="bvqzn"></menu></sup>
                  <sup id="bvqzn"><meter id="bvqzn"></meter></sup>

                  <em id="bvqzn"></em><sup id="bvqzn"></sup>

                  <div id="bvqzn"></div>
                  <dfn id="bvqzn"></dfn>

                  <progress id="bvqzn"><tr id="bvqzn"></tr></progress>
                    <dl id="bvqzn"><menu id="bvqzn"><small id="bvqzn"></small></menu></dl>
                    <dl id="bvqzn"><ins id="bvqzn"><small id="bvqzn"></small></ins></dl>
                    <div id="bvqzn"><tr id="bvqzn"><mark id="bvqzn"></mark></tr></div>

                      <em id="bvqzn"></em>
                      <dl id="bvqzn"></dl>
                      <div id="bvqzn"></div>

                        <dl id="bvqzn"></dl>

                            <div id="bvqzn"></div>
                            <em id="bvqzn"><ins id="bvqzn"></ins></em> <div id="bvqzn"></div>
                            <dl id="bvqzn"><ins id="bvqzn"></ins></dl>

                              commerce

                              What are Condominium loans in Singapore

                              The mortgage is one of the loan types available for the purchase of condominiums in Singapore. There are many options available for this type of loan like the re-finance, cash out, home improvement, equity loan, purchase loan and others. The first step is to choose the condominium and apply for the mortgage loan. When you contact the seller with the details you can hold the condo reserved in your name for the next 15 days. For this, you need to make an upfront payment to the seller as per standard norms. Then you have 30 days more for making the second payment. Within this time you can apply for the mortgage loan and get it approved.

                              We have talked about an executive condo in the previous post. Take a look at The Tapestry Condo, one of the latest launch in Singapore in 2018. Is definitely one of the dream house that a family would love to own. But to get it, you need to understand the loan. If you?are intending to profit from rental income, then you need to understand the costs associated on in renting a condo on top of the mortgage that we discuss here.

                              Mortgage Regulations

                              According to the regulations governing mortgage in Singapore, you could be eligible for 80% of property value as a loan if your credentials are evaluated and found to be valid. For the second purchase, you can get up to 50% of the property value as loan. The repayment period could extend up to 30 years depending on the terms and conditions of the lending company. The installments will be equally distributed for every month with the calculated interest at the rate as applicable.

                              Fixed Rate Mortgage

                              The fixed rate mortgage stays constant throughout the repayment period. The interest could be bit higher compared to the floating rate in some cases. But you get to plan for the repayment in an organized manner due to the consistency in the net repayable value (principal + interest). The other advantage is protection from fluctuating interest rates which could become unpredictable.

                              Variable Rate Mortgage

                              The interest rate might vary (up or down) depending on the market conditions. The mortgage company depends on the external sources for procuring the money to loan you. When the market rate decreases the benefit is passed on to you. On the other hand when the market rate increases you pay more interest. The choice between the two options will be entirely on you. Hence you can take the help of a mortgage consultant to get the accurate information about the pros and cons of each type before taking a decision.

                              Mortgage Loan Provider

                              Private Banks in Singapore can provide condo mortgage loans at affordable rates for the PR and foreign nationals. Many of the banks allow you the privilege of getting the repayment period up to 35 years. The condition is that the sum of your current age and the loan repayment period should not cross 75 years whichever is lower. Just like the private banks, you can also find many private financial institutions that can provide the mortgage loan. You need to approach the helpdesk to get the accurate and detailed information about the procedures.

                              Check out this video talking about the different mortgage loans available:

                              Initial Loan Documents

                              You need to submit certain important documents along with the completely filled application form. Some of the banks do accept e-formats of applications while the others may insist on officially printed forms to be filled and submitted in person. This could be one way of getting acquainted with you personally before processing your application.

                              • Passport: – You need to submit copies of your passport (all the pages) and the original at the time of verification. You can get to know about the validity period as expected by the bank authorities. This is one of the most critical criteria to determine the loan repayment period which can be allocated to you. In some cases, you might have the option of renewing your passport just before its expiry and still continue to get the loan privilege.
                              • Income: – You need to submit all your documents related to the sources of income. They could be your salary credits, employment document and the statements from your bank. Some of the lenders may ask for three previous months while the others may insist on six months or more. Your salary credit could also be in the form of pay slip you get from your employer/ company. If you are the freelance or self-employed person you need to submit the bank transactions and the details related to the evaluation of tax payments. This is a form of assessment done by the related tax departments of the Singapore government related to your self-employed job or business. Some of the banks might ask for previous two years of assessment while the others might opt for more or less.
                              • Agreement: – The sale/buying agreement copy between you and the seller has to be submitted to the lending authorities at the time of submitting the mortgage loan application.
                              • Insurance: – The basic insurance you need to provide your condominium is against fire accidents. This is the premium which you need to pay to the bank until the completion of the mortgage loan. Apart from this, you might need to take up insurance against natural calamities and other nature of damages. You can speak with the mortgage insurance specialist to know more details about the other types of mandatory and optional insurance schemes.

                              Interest Rates

                              The interest rates charged by the private banks and financial institutions could be based on parameters under two categories, namely the interbank transactions and the individual bank terms and conditions. The fixed rate and the board rates are based on the individual banks. They might vary between two banks. The other two parameters are the Swap Office Rate and the SIBOR. They may have the direct relation to the loan rate. In some other instances, the impact could be indirect.

                              Lock in Period

                              This is the time during which the loan repayment cannot be completely cleared before the scheduled date. In such cases, the bank can impose a penalty on you. The other clause in this period is the fixed interest rate charged by the bank. They cannot increase the rate within this period in spite of the variations in the market. Hence you have a benefit and a risk associated with the lock-in period. Some of the banks might have locked in the period of 2 years while the others may have none.

                              Oh, before we end our post for today, for those who want to check out The Tapestry Condo that we mentioned earlier, you should!

                              Investing in a shop space for music classes. Is it worth it?

                              I have a friend who is an accomplished music teacher in Singapore. He wishes to start a career in music teaching, by setting up his own music school. So the first step to start any class, is to find a location, or a space where he can conduct classes.

                              However, we all know that Singapore is a land-scarce area, and hence, rental rates for spaces are usually high. But again, instead of just looking at the high price, we have to see if it is worth it to rent a shop space for lesson!

                              So in this article, let’s examine and help this friend of mine to decide if an investment in a shop space in Singapore is worth it.

                              Location Location Location

                              First of all, a shop space is not just a space to conduct classes. A shop space is also one where you can use to get students. If you want to get more students to your classes, it is important to be located in somewhere popular, or in estate or residential areas where there are families staying around. This will give you higher chance of people walking by and registering for classes with your centre.

                              When you talk about popularity and human traffic of the shop space, the rental rates will also vary. The more popular it is, landlords will definitely want a higher rental rate from you. This is because of opportunity cost. If you don’t want to pay the high rent, the landlord can still rent it to someone who is willing to pay. Hence, they won’t ‘discount’ the rental rate for you, for whatever reason.

                              As a result, shop spaces in shopping malls are always high. Even higher in central shopping malls, shopping districts where there are always many people all day round.

                              Students Students Students?

                              So a shop space is one consideration.

                              Another consideration? Where to find students!

                              Your music school is not really a music school, if there are no students learning there! So to get students to your school, the easiest choice is to open your school in a busy shopping mall, with lots of people, and hopefully parents and kids will walk by, and register classes with you.

                              On other hand… what if you can’t afford a shop space in a popular shopping mall?

                              Don’t fret!

                              Here’s another solution.

                              Register your studio with a piano agency like Singapore Pianist. ?It doesn’t matter if you’re teaching kids or adult piano lessons. The agency will help you match students suitable and match your requirement. In other words, let the agency do the work for you.

                              You just focus on teaching the students well!

                              Does Location Matter?

                              Back to our first question.

                              If I can engage the help of a piano agency to get me students, and not paying high rent for my music school in a popular shopping centre, where else can I conduct the classes?

                              Some piano teachers start off by teaching in their own home, or in their parent’s condo, as long as there’s a piano at their place. As long as it is convenient to travel to, more parents are fine to travel to the teacher’s place.

                              So…Is a shop space?worth the investment?

                              We can’t say it is not worth it. However, we have to see the return on investment, for every investment we put in. A shop space may get high foot traffic, compared to your own home studio. But the high rental may set you back in the loss for at least 1 year, before you can start making profits for your music classes.

                              As such, it is better to start off by paying low rent (or use your own place for FREE rent…) and invest in agency services to help you get students. There’s where you can start seeing earnings into your classes!

                               

                              Small Investments You Can Make Now on a Limited Budget

                              Image result for Small Investments

                              What is your reason why you have not done any investments yet? Is it because you do not have enough money? Perhaps it is because you barely have enough money left after you have paid for all of your bills. If there is one thing that you should remember about investing, it is this: You do not have to be a millionaire to start making investments.

                              Even if you only have a small amount of money available, you can use that to start investing in various things now. You may never know, after some time, your investments may blossom to the point that you can already purchase a condominium that is located at Tanah Merah. Just remember that you should have a positive attitude about the things that you are going to invest on. The more positive you are, the better your choices are going to be.

                              One of the small investment options that is available right now is getting a DRP. This stands for Dividend Reinvestment Plan. Basically, this allows you to buy stocks of certain companies without the help of a broker. It will be easy to participate as long as you can buy one share from the company. By doing this type of investment, you can invest a certain amount every month. It does not matter whether the stocks are down or up, as long as you can make steady investments, you can make more money in the long run.

                               

                              Gain more information about making small investments from here:

                              Another thing that you can invest on is mutual funds. You may be wondering at this point how you can invest on mutual funds when it would require you to spend quite a lot of money. Gone are the days when mutual funds are so expensive. There are some that you can purchase now that are affordable and may provide awesome returns in the long run. Remember to not limit yourself to just one stock alone. You can own a hundred different ones and still make a profit in the future.

                               

                              One of the most obvious investments that is often overlooked is starting a business. You may never know, by the time that your business kicks off, you may have enough funds just in time for the launch of Grandeur Park Residences. If you think about it, a property may be a good investment too, right?

                              Condo Investments – Singapore

                              Investing in condos can be very complex. I found this cool post ?and wanted to share with you.When I saw this I wanted to share. The original blogpost is available here. If you are interested to know about Grandeur Park Residences Info,?continue reading the post further

                              Grandeur Park Residences is the latest up and coming private property project in Tanah Merah. As the news and publicity is not on a mass scale yet, if you read this article, great! If you are looking to invest in a property project and reap good returns, then read on.

                              Tanah Merah has been a sweet location for many private property projects and it is a favorite place by many property investors. If you have missed out many investment opportunities in Tanah Merah projects, then this is the opportunity you must not missed.

                              Here’s why Grandeur Park Residences?is highly favored by investors.

                              1) Close to Tanah Merah MRT

                              Needless to say, you know that any property project close to MRT stations are highly popular and favoured by tenants. With close distance to MRT, anyone who stay near there can travel around easily, and with Singapore’s MRT network, it is easy to go anywhere with the MRT.

                              Plus, Tanah Merah is not just another MRT station. It is more like an ‘interchange of MRT station’. Tanah Merah is connected to the Expo and Changi Airport Station. When I say Expo, I’m not talking about having a lot of people visiting exhibitions at Expo. I’m referring to Changi Business Park which is just beside Expo MRT station. With Changi Business Park, you can expect your property unit at Grandeur Park to be in high demand by expats or professionals looking for a stay near their workplace.

                              2) Close to Famous Schools

                              Grandeur Park Condo is also near to Anglican High (secondary) and Temasek Junior College and Victoria Junior College. These are one of the top tertiary schools in Singapore. Plus, Singapore’s 4th government university, SUTD is situated at Expo too! Singapore’s University of Technology and Design is expecting students from Singapore and other countries. This present an opportunity for tenants who are university students who want to stay near their university.

                              Dont forget to read the original post.

                              If you liked what you?read, subscribe to our blog!

                              Investing Small Amounts of Money Effectively

                              Image result for Investing Small Amounts of Money

                              You may not be someone that will be considered rich but you have dreams and you would like to reach them. You may dream of investing in things that will pay off later on but you do not know how to start because you do not have a huge amount of money.

                              You may think that in order to invest, you need to have a lot of money. This is not how the world works right now. There are so many investments that will allow you to start small. Of course, you can make better investments as the money that you get will also be greater.

                              There are some qualities that you need in order to become a good investor:

                              • Patience – You cannot expect that just because you have invested something, you will already get money immediately. Sometimes it takes months and even years before investments pay off.
                              • Discipline – You may be tempted to act impulsively especially if you have gotten quite a huge amount of money from what you have invested in but this might make you lose the beauty and the effectiveness of your investment. Be disciplined and if you could, ask a professional about it.
                              • Diligence – When you are out of timing in doing something, this can change the future of your investments. Take time to check out all of the twists and turns of the investment that you have made.

                              You can learn more investment tips from here:

                              There are times when you can learn more by attending some talks wherein presentation design services SG has been hired in order to give a presentation that you will never forget. Yet there are also some things that you will learn on your own.

                              Remember that you should not just go with the bandwagon when it comes to investing because you may end up regretting it. You can do careful research and learn more about the terms that are used when it comes to making some investments. Hiring professionals will always be a good idea if you do not know anything about the market but you have to pay for their professional services.

                              It is also best that you would explore different investment options. You are not recommended to place all of your money in an investment that seems promising but might cause you to fail. Allot small amounts in different investments and add more in investments that give you more money.

                              Your exposure to the market will let you learn more about it more than what you could ever read in books and in articles. Do not be afraid of making investments because as long as you have the qualities mentioned above, you are bound to succeed.

                              Buying and Selling Musical Instruments

                              If you have your own violin because of the kids violin lessons Singapore that you have received before, you know that you can always improve it so that you can have a better violin that will allow you to play even better. You may consider your violin as one of your most prized possessions and this is normal regardless of what type it is and how much money you used in order to pay for it. As long as a musical instrument has some sort of value, you know that you do not want to let go of it.

                              If in case you are planning to sell your own violin to have a better one you can use for violin lessons with The Happy Violinist, you may need to contact an appraiser to know how much it truly costs. If you find this too time consuming, you can search online for models that are similar to yours so you can also price your violin almost the same with the rest of the other violins that are being sold. You just need to make sure that your listing will stand out so that you can sell your violin or any other musical instrument with ease. You can gain more info from here:

                              Here are the things that you can do to sell your musical instrument with ease:

                              1. Be honest about the current condition of your musical instrument. You do not want potential buyers to expect too much from the instrument that you are selling.
                              2. Place a lot of pictures of the musical instrument that you are selling. If potential buyers would ask for more, you may do this as well.
                              3. If there are some special features or qualities that need to be mentioned, do not hesitate to include those information in the description.

                              Now when you are buying musical instruments, there are also some things that you should ponder on:

                              1. You have to decide if you would like to buy a new or used musical instrument. Used instruments are recommended for those who have never played before or those who would like to collect vintage instruments.
                              2. Make sure that you are paying the correct amount for the musical instrument. You do not want to be duped into purchasing something that you can buy cheaply.
                              3. Get to know your options first before you make your final choice. Making a decision will not be easy but is always possible.

                               

                              The items that you will get should always be in a form of an investment. Now that you know the things that you should do, you will be able to buy, sell and perhaps even trade your musical instruments.

                              How You Can Make Smart Investments

                              You are at the point wherein you know that you have to make smart investments but you do not know how. You have saved up enough money in order to be comfortable for a certain time being but you want to change it, you want to be comfortable your whole life. How do you think will you be able to achieve that?

                              There are so many things that you can invest on. You can invest on the forex market and the different currencies. You may also invest on jewelry, properties like Paya Lebar Condo and even stocks but will the investments you make pay off in the long run? You may contemplate on hiring a professional to help you make smart investments but if you can research on your own, you will gain enough knowledge to know more about the things that you can and cannot do.

                              You can gain more details on how to make smart investments when you check this out:

                              • The life that you live right now will have an effect on the investments that you are going to make. What are the things that you are interested in? Are you interested in food? If you are then you know that owning your own food cart can be a good idea. If you love what you have invested in, then there is a bigger chance that you will keep track of it.
                              • Have an emergency fund ready. Even if you have a stable job right now, you do not know what the future holds. You may also have to spend a lot on different things but you still need to set up the emergency fund up. If you do not do this, you will not be protected if in case you encounter a financial disaster.
                              • Remember that having debts will not be good in investing. Aside from the fact that you may not get any loan that you can use to invest, your debt accumulates interest every month and the money that goes to the interest will only be wasted.

                              The best way to invest is to always start your own business. You can always start small and you do not have to pay a lot of money in order to set up a business online. As you become known better, you will get more customers. Once you are already making more profit then you know that your investment has paid off.

                              Real Estate Investment – Is This Possible?

                              You may have seen on television how a lot of homes are usually purchased for not a lot of money and then they are renovated to be sold with a lot of profit. It might seem so real on television but in real life, can it still be done?

                              Perhaps what you would like to consider as your very own investment is your purchase of your very own property. For example, you may have seen Gem Residences Condominium Showflat and you know that this is the type of unit that you would like to have. Of course, other people would prefer to have a house or perhaps a townhouse but if you want a condominium unit, who can stop you?

                              Just remember that if you are purchasing a property that you actually want to live in, it is best to check out reviews. Click on Gem Residences Condo review in order to learn more about it. If you are considering other properties, do not hesitate to check out their specific reviews as well. Now, if you are searching for properties that you would like to renovate and sell for a whole lot of money, how are you going to do that?

                              Here are some things that you have to remember:

                              • Everything should be done in a short period of time.

                              You have to create a schedule so that you will be able to sell the property in no time. There may be some properties that you can renovate and improve in a matter of weeks while there are also some that would need to be sold after a few months or so. Consider how long you are willing to wait before you purchase any property.

                              • Location will matter.

                              There are some properties that are more expensive because they are located in a prime location. Just imagine the profit that you can get if you would fix it up quite well. Buyers would most likely want to purchase the property in a flash as long as you would design it well.

                              • Choose the right contractors.

                              How will you achieve the look that you are going for if the contractors you would hire for the job would not be able to do things properly? You need to search for the right people to work for you. Once you find them you can contact them whenever you need to. You may get to know more about this when you check this out:

                              With the tips that are mentioned above, trading and investing in real estate can be possible.

                              How You Can Turn Your Home into an Investment

                              Do you know that the home that you have purchased can also be considered an investment? Your main thought in purchasing it may be to provide comfort for your family but you still have to make sure that you will be able to turn your house into something that you will be happy to have and probably resell in the future if you would have to move.

                              You can learn more about home loans that may catch your interest here:

                              Even if you have gotten your home from a refinance home loan, this does not mean that you are not allowed to spruce up your home a bit. Here are just some of the simple ways that you can follow so that you can turn your home into an investment:

                              1. Focus on Your Garden

                              Do you have a garden probably in your front yard or backyard? If you answer yes to this question then you have to know that this is something that you can consider. You may choose to focus on the gardening on your own or you may also choose to hire someone to do it for you but having a well maintained garden will always add plus points to your home’s overall value.

                              1. Give attention to your old furniture.

                              When was the last time that you actually gave attention to the furniture that you are using? If it has been quite a while, what you can do is make sure that you will redecorate it so that it can fit the current theme that your home is going for. Again, you may choose to do it yourself but if you are busy and you are not that creative, you can always hire someone to do the job for you.

                              1. Your lighting will make a lot of difference.

                              You may be shocked about this but the lights that you will place inside your home may actually make your house a worthy investment. You would need a lot of light in order to brighten up your home and of course, the brighter your home, the better investment it is going to be.

                              1. Give attention to your plumbing system.

                              When was the last time that you actually considered your plumbing system? If it has been quite a while then you should know that your plumbing system should always be working properly to ensure that your home maintains its value.

                              1. Your flooring will matter.

                              Your flooring will matter because if you would choose low class and low quality materials, this will also decrease your home’s value. Make sure that you are going to make the right choice by consulting with someone who knows proper details to help you out.

                              Remember that when you make your home an investment, it will be more beneficial for you in the long run.

                              Investing in Properties

                              Updates as of 2018: One of the latest condo launches in Singapore?will be The Tapestry.

                              Do you think that you would like to have a good investment? The best thing that you can do is make sure that you will invest in the right properties. You may have checked out Marine One Residences 2nd launch and have highly liked the way that the property looks like. You have to remember that if you would choose the right properties to invest on, the returns can be very high. You may have to wait a while before the turnout can be good but once you get it, you know that you will not have any regrets.

                              Here are some of the things that you have to remember before you choose to invest:

                              1. Give Importance to Your Finances

                              You have to check out all of your assets and your monthly income. You have to check all of the sources of your money so that you can be sure with what you can expect and how much you can invest on the property that you are planning to sell. You may also want to try getting a loan so that you can purchase the property that you want.

                              1. Know That You Are Going to Take A Risk

                              You may not be into taking risks because you are not quite sure whether you will have a good return for your investment or not but unless you are willing to take risks then you will never know what you are going to expect.

                              1. Research About the Property that You Like to Purchase

                              There is a possibility that you already have a property in mind. You have to remember that even if you are already convinced about the things that you have learned about it so far, you still have to make sure that you will think about the important things you have to consider. Do remember to be wary of possible get rich quick schemes that may be available.

                              1. Have Goals

                              You have to set goals so that you can be sure that you know what to do. When you have goals, there are certain things that you are going to follow. Every time you achieve these goals, you can reward yourself to help you become more interested in the other goals that you have to follow.

                              Get to know more details on investing on properties from here:

                              Now that you already know the different things to remember, you may have better chances of investing on something that you know will become profitable in the long run.

                              白宫国际娱乐会所

                                <sup id="bvqzn"></sup>

                                  <sup id="bvqzn"></sup>

                                  <dl id="bvqzn"></dl><dl id="bvqzn"><menu id="bvqzn"><form id="bvqzn"></form></menu></dl>
                                  <dl id="bvqzn"><menu id="bvqzn"></menu></dl>

                                  <em id="bvqzn"></em>

                                    <sup id="bvqzn"></sup>

                                      <sup id="bvqzn"></sup>
                                      <em id="bvqzn"><ins id="bvqzn"></ins></em><dl id="bvqzn"><ins id="bvqzn"><small id="bvqzn"></small></ins></dl>

                                          <dl id="bvqzn"></dl>

                                              <progress id="bvqzn"><span id="bvqzn"><ruby id="bvqzn"></ruby></span></progress><dl id="bvqzn"><ol id="bvqzn"><mark id="bvqzn"></mark></ol></dl>
                                              <progress id="bvqzn"><tr id="bvqzn"></tr></progress>

                                              <sup id="bvqzn"><menu id="bvqzn"></menu></sup>
                                              <sup id="bvqzn"><meter id="bvqzn"></meter></sup>

                                              <em id="bvqzn"></em><sup id="bvqzn"></sup>

                                              <div id="bvqzn"></div>
                                              <dfn id="bvqzn"></dfn>

                                              <progress id="bvqzn"><tr id="bvqzn"></tr></progress>
                                                <dl id="bvqzn"><menu id="bvqzn"><small id="bvqzn"></small></menu></dl>
                                                <dl id="bvqzn"><ins id="bvqzn"><small id="bvqzn"></small></ins></dl>
                                                <div id="bvqzn"><tr id="bvqzn"><mark id="bvqzn"></mark></tr></div>

                                                  <em id="bvqzn"></em>
                                                  <dl id="bvqzn"></dl>
                                                  <div id="bvqzn"></div>

                                                    <dl id="bvqzn"></dl>

                                                        <div id="bvqzn"></div>
                                                        <em id="bvqzn"><ins id="bvqzn"></ins></em> <div id="bvqzn"></div>
                                                        <dl id="bvqzn"><ins id="bvqzn"></ins></dl>

                                                            <sup id="bvqzn"></sup>

                                                              <sup id="bvqzn"></sup>

                                                              <dl id="bvqzn"></dl><dl id="bvqzn"><menu id="bvqzn"><form id="bvqzn"></form></menu></dl>
                                                              <dl id="bvqzn"><menu id="bvqzn"></menu></dl>

                                                              <em id="bvqzn"></em>

                                                                <sup id="bvqzn"></sup>

                                                                  <sup id="bvqzn"></sup>
                                                                  <em id="bvqzn"><ins id="bvqzn"></ins></em><dl id="bvqzn"><ins id="bvqzn"><small id="bvqzn"></small></ins></dl>

                                                                      <dl id="bvqzn"></dl>

                                                                          <progress id="bvqzn"><span id="bvqzn"><ruby id="bvqzn"></ruby></span></progress><dl id="bvqzn"><ol id="bvqzn"><mark id="bvqzn"></mark></ol></dl>
                                                                          <progress id="bvqzn"><tr id="bvqzn"></tr></progress>

                                                                          <sup id="bvqzn"><menu id="bvqzn"></menu></sup>
                                                                          <sup id="bvqzn"><meter id="bvqzn"></meter></sup>

                                                                          <em id="bvqzn"></em><sup id="bvqzn"></sup>

                                                                          <div id="bvqzn"></div>
                                                                          <dfn id="bvqzn"></dfn>

                                                                          <progress id="bvqzn"><tr id="bvqzn"></tr></progress>
                                                                            <dl id="bvqzn"><menu id="bvqzn"><small id="bvqzn"></small></menu></dl>
                                                                            <dl id="bvqzn"><ins id="bvqzn"><small id="bvqzn"></small></ins></dl>
                                                                            <div id="bvqzn"><tr id="bvqzn"><mark id="bvqzn"></mark></tr></div>

                                                                              <em id="bvqzn"></em>
                                                                              <dl id="bvqzn"></dl>
                                                                              <div id="bvqzn"></div>

                                                                                <dl id="bvqzn"></dl>

                                                                                    <div id="bvqzn"></div>
                                                                                    <em id="bvqzn"><ins id="bvqzn"></ins></em> <div id="bvqzn"></div>
                                                                                    <dl id="bvqzn"><ins id="bvqzn"></ins></dl>