KEN OUKO: How to manage your finances better

(Originally published by Mwangaza Magazine)

Kindly introduce yourself briefly.

I am Ken Ouko, the Founder of Ken’s MoneyMatters and Co-Founder of Gene Coaching School. Ken’s MoneyMatters is the financial literacy branch of Gene Coaching School.

The pandemic is here and has affected many of us financially. Is there a way we can manage our finances during these times so that we survive the pandemic financially?

We are all responsible for where we are financially. Nobody is responsible for your financial status as long as you are an adult. The situation you are in at the moment is as a result of many decisions that you have made overtime.

The starting point is taking responsibility and knowing that you are in charge of your situation. On the same lines, as we speak about Finance and Investments, remember that your success, whatever that means to you, is 80% behaviour and 20% technicalities. Meaning you can earn more than you ever dreamt of but it doesn’t mean you will achieve your financial goals.

Let me begin by saying that the pandemic created opportunities for others and took away opportunities from others. Your view of the pandemic will depend on your mindset and which side of the table you sit. There are many people who created opportunities during the pandemic including myself. Anything that happens to you can be an opportunity or a nightmare depending on your mindset.

Money management during pandemic should not be any different with when things are good. For those who were on the right path, financially speaking, the pandemic did not change much. Anytime you are in a position to make money, you should be able to plan for emergencies like job loss and anything of the sort. If you were not prepared, then the pandemic should serve as a wake-up call.

So the first question we should ask ourselves is, how do we plan before the pandemic? I would say if you are working, have a very stable emergency fund that can sustain your current living standard for more than 6 months. That is the foundation.

The second question would be, how do we adjust during the pandemic? This can be approached on different levels depending on where you stand as an individual.

If you didn’t lose your job and your income was not negatively impacted as such, then you just had to scale back on frivolous spending and keep more cash just to be sure you are financially secure for a longer period of time. This would require just a slight adjustment to your finances. If you are investing consistently then that shouldn’t stop. Remember, the stocks have recovered 103% since the pandemic. So those who stopped investing because of fear are the losers.

If you lost your source of income then you have to rethink your strategy. You have to get other opportunities or create some. There are so many opportunities coming up. You may also have to re-skill so as to be more appealing in the changing labour market. For such a person, your focus should be on creating an income source, not anything else.

If you were in business and things slowed down, you had to cut down costs and have some liquidity to protect you from the way things went. In essence, your preparation should be based on your individual circumstances.

Generally speaking, during a pandemic

  • There is need to have more liquidity,
  • There is need to live on a budget,
  • There is need to plan ahead.
  • There is need to find more ways of generating cashflow.
  • There is need for emergency fund,
  • There is need for continued investment to have passive income
  • There is need for reskilling

In the diaspora, we have credit cards. In Kenya, it is mobile loans and other credit related offerings. What is your opinion on these? Are they sustainable or just a way to mint more from our pockets?

This is a sad one! Borrowing on Fuliza hit Kshs. 1.2billion today and over Kshs. 220bill over six months. That’s how much people are borrowing. Most of these debts are consumer debts. Meaning people take them to shop and pay everyday stuff and not to invest. They are basically helping the Kenyan youth dig their own financial holes.

There has never been any kind of education on borrowing and its impacts, but there are so many channels to borrow. Before you give a child a knife, you have to teach him or her how to handle the knife or else it could be disastrous! That is the issue with all these loans!

Young people are going into so much debt even before they can start working. It cannot be good. It is an opportunity for rich people to get richer and the poor to remain poor. Debt is slavery!

How can we reduce impulse buying? Does budgeting help?

Impulse buying is a behavioural issue and that is why I mentioned that your financial success is 80% behaviour. Impulse buying is like an addiction and you have to be very deliberate and conscious if you are to combat it.

There are ways one can beat it;

  • Work with a Finance Coach like myself. What we do is we come up with a plan and then guide you through that plan. We don’t just advise, we coach. That means I become more like an accountability partner. When I am coaching, I begin with behaviour and mindset before I go to money issues.
  • Having a tight budget is another way of ensuring you don’t impulse spend! You can restrict yourself before you spend any money by making sure you cannot access that money.
  • You can also get an accountability partner who will call you out and remind you on whatever goal you are trying to achieve.
  • You can also set yourself short term financial goals that will motivate you not to spend on anything stupid. Goals can get you focused because none of us want to fail.
  • You can also invest in liquid assets that will not be readily available for you to spend
  • You can also decide on a reward you want to give yourself monthly and the only promise in return would be to avoid spending on anything else if you get that reward. It works

All in all, it is a behavioural issue that can be tackled in a thousand ways.

Kindly explain what are stocks and how much of an opportunity they are, financially. What is the Nairobi Stock Exchange?

Nairobi Stock Exchange is basically a platform where companies can offer their shares to the public. In very simple terms, it is a market where you can go and purchase shares of a company. A share is a part of a company. So, if you buy shares of Safaricom at NSE, you own part of the company.

The other name is stocks or equities. They can make you rich if you use them the right way.

Example, when Covid-19 hit, Safaricom was trading at around Kshs. 23 per share, a few weeks ago, I made a video and told people to buy these shares because it was going to shoot up in prices. Two days later, it was at Kshs. 42 per share, that would make you millions of money depending on how much you bought. That is how you make money with stocks. You can also invest in them long-term, which is the best method if you are new to the markets.

So, you can earn through capital gains like I have just illustrated, or through dividends which companies pay their shareholders or through interests, depending on the company.

Which offers better returns; investing in Stock exchange or venturing into Real Estate?

From my experience, they both have very good returns but with some differences. If we talk about real estate in Kenya for instance, you must have quite a considerable amount to get into it and get some good returns. The real estate market in developing countries requires more security for the investor and we lack that security and hence it becomes very difficult to penetrate.

On the other hand, the stocks market is liquid and easy to access with little amounts as you build up. There is also lots of security for the investor with regards to different platforms that you might use.

Based purely on returns, stocks have given me way more. But I also know if you have the time and capital to flip houses, you can make so much money.

4,095 thoughts on “KEN OUKO: How to manage your finances better”

  1. Im excited to discover this web site. I need to to thank you for ones time for this wonderful read!! I definitely savored every bit of it and I have you bookmarked to look at new information in your web site.

  2. โจ๊ก เกอร์ 888 พวกเราเป็นผู้ให้บริการเกมสล็อต โจ๊กเกอร์888 พร้อมแจกslotเครดิตฟรี พีจี สำหรับทุกการลงทะเบียน เล่นสล็อตกับโจ๊กเกอร์ กว่า 300+ เกม เข้ามาเล่นกับพวกเรา

  3. สล็อต xo เว็บไซต์ตรง ไม่ผ่านเอเย่น สมัครสล็อต  ใช้เวลาไม่ถึง 5 นาที พร้อมรับยูสเซอร์จากการสมัคร สล็อต ได้ทันที ท่านจะได้พบกับเกมที่น่าเล่นเพลิดเพลินทั้งได้เงินและความสนุก

  4. pg ค่ายน้องใหม่ พีจีสล็อต ส่งตรงจากแดนผู้ดีอังกฤษ พร้อมให้บริการแก่ผู้เล่นและนักพนันชาวไทยทุกคนแล้ว พบกับเกมสล็อตออนไลน์รูปแบบใหม่เล่นได้ผ่าน เว็บไซต์เกมสล็อตออนไลน์

  5. You actually explained this exceptionally well.
    good college essay introductions [url=][/url] website that write essays for you

  6. You actually suggested it fantastically.
    steps in writing a persuasive essay [url=]how to write a college application essay about yourself[/url] cheap custom essay writing services

  7. You actually explained that wonderfully.
    benefits of college education essay [url=]how to write an argument essay[/url] essay writing websites

  8. You definitely made your point!
    how to write a creative nonfiction essay [url=]how to write an argumentative essay[/url] professional writing company

  9. You actually said that exceptionally well.
    rx pharmacy [url=]canadian online pharmacies prescription drugs[/url] canadian pharmacy online

  10. You actually said this adequately!
    writing a great college essay [url=][/url] custom resume writing

  11. Thanks! An abundance of posts!
    what to write in an essay about yourself [url=]cheap essay service[/url] us government resume writing service

  12. Thanks a lot. I value this.
    how to write a summary of an essay [url=][/url] business letter writing services

  13. etimesgut garantigalaxy s4 ikinci el temiz fiyatlarД± golf sД±fД±r fiyatlarД± 2017 htc samsung karЕџД±laЕџtД±rmadayД± bir adamД±n hikayesi 2 full izle
    ikimizin yerine 123 bölüm izlei20 1.4 jump 2018 amerikan güreşi ps4 ilyas yalçıntaş farzet indir mp3antalyaspor seçmeleri
    en ucuz toptan tv ГјrГјnlerisamsung note 5 format atmak pide ustasД± arayanlar izmir seks porno indirafter filmini nereden izleyebilirim
    01 adana 3 sezon 1 bölüm full hd izlehollywood sinema bilet al en iyi eldiven oyunu meb galatasaray beşiktaş yabancı kanalthe prince of tennis 1 bölüm izle
    samsung galaxy prime plus kД±lД±felsa ve anna pasta yapma oyunlarД± gittigidiyor ikinci el ayakkabД± iktisat mezunu maaЕџlarД± 201830 mart 2016 reyting

  14. гостиницы в новозыбкове отель мари санкт петербург официальный сайт
    санаторий петровский казань официальный сайт казань гостиница татарстан цены пятигорск отдых
    целебный нарзан официальный сайт гостиница омега сириус кивач санаторий карелия официальный

  15. курортный парк ессентуки достопримечательности путевка в лето
    пятигорск спа отели с бассейном гостиницы в владимире отель алексеевская усадьба суздаль
    вулкан геленджик пансионат голубая волна алушта курорт моршин

  16. оздоровительные санатории владимир хостелы
    отели и пансионаты анапы москва отдых мадо новосибирск гостиница
    соленые озера алтая отдых цены г железноводск санаторий эльбрус планета евпатория

  17. адлер дельфин цены санаторий архипо осиповка цены на 2021 отзывы
    лучшие детские отели подмосковья усть кут гостиница гостиницы орехово зуево адреса
    дюбаж гостевой дом в угличе купить квартиру в екатерининском квартале в адлере

  18. отель сан марино абхазия черноморец пансионат эконом абхазия
    отдых в алтае летом 2021 цены санаторий кивач отзывы солнечный берег 2
    вард новокузнецк сочи черноморье гостевой дом лазурный берег

  19. санаторий партенит в крыму интурист пятигорск официальный
    хостел борода ялта официальный отдых в калининграде в августе санатории железноводска отзывы
    санаторий лермонтова пятигорск адрес изумруд ростов гостевой дом на греческом санкт петербург

  20. санатории балтийский берег форос официальный сайт
    курорты кавказских минеральных арена гостиница гостиница абхазия в гаграх
    ялта отели с бассейном у моря санатории для онкобольных венеция симферополь

  21. пансионат надежда кисловодск парк в пятигорске
    санаторий им сеченова ессентуки официальный сайт тюмень сибирь санатории витязево анапа
    придворов краснодар горячие источники в башкирии зимой отель анабель санкт петербург

  22. Most of the apps don’t require you a membership fee. First it will lure you to play more, by giving you more coins. And when it’s time to cash out, you will be asked to cash-in from 100 to 200 Php via GCASH. No cash-in, no cash-out with your accumulated points. There are reports by users of failed cash-out after a successful cash-in which I think is a certified scam activity. Here’s another app where you earn money by playing games and providing feedback. Game developers use Bananatic to test their games and to get reviews. Why not join that community, review some games, and get paid? The casino Philippines GCash is reaching a new level and is becoming more mobile and more accessible to its customers. Many casinos are now accessible from your smartphone. They have two options for adapting to the device – either there is a mobile version of the site, or there is a mobile application that you can download from official stores or find a working APK that will install the application on your smartphone. In either case, mobile casinos are convenient and available to you around the clock, seven days a week. You can always visit the site or application at any time and place and make a deposit using GCash and start playing casino using Gcash. Table Legs Occasionally some stores might delay the purchase for manual review of your order. These checks are meant to prevent the store from frauds. If your order is selected for a manual review and you don’t want to wait or provide additional information, you can always request order cancellation and get your money back. We have served over thousands of customers throughout the 12 years in the casino table business. We’ve tried to revamp our casino tables over and over again to perfect the quality of casino tables. The casino tables we have now are one of the best versions we’ve had over the decade and our customers are happy with the casino tables we offer. We take great pride in our home casino tables as we do believe the craftsmanship and durability of our home casino tables. Focus Gaming Solutions

  23. oferta nr 9208145872 oferta nr 9208145872 Imprezowa ruletka to pewny sposób na rozkręcenie każdej imprezy. Wystarczy napełnić 16 zajdujących się w zestawie kieliszków dowolnym napojem (najlepiej alkoholowym), zakręcić kołem i wrzucić na nie kulkę – wszystko dzieje się jak w prawdziwej ruletce, tyle że im częściej wygrywasz, tym szybciej odejdziesz od stołu. Samorozkładająca się kartka 3D Bukiet kwiatów dostępna jest w świetnej cenie z darmową wysyłką Prime na polskim Amazonie. Strona “o mnie”Wszystkie aukcje Na polskim Amazonie kupicie w świetnej cenie (z darmową dostawą Prime) 10 flamastrów dwustronnych marki Faber-Castell. Pojemny piórnik dla nastolatka (żółty lub beżowy) dostępny jest w świetnej cenie na polskim Amazonie (darmowa dostawa Prime). Na stronie znajdziesz również strony ze skrzynkami, na których możesz otwierać skrzynki CS:GO. Działa to tak dokładnie tak samo jak w CS:GO. Pamiętaj, że możesz użyć darmowego kodu, dzięki któremu otworzysz skrzynkę za darmo bez potrzeby wpłacania skinów. Наш сайт разрабатывается в соответствии с твоими потребностями: выполняй задания и получай бесплатные ключи, пополнения Steam, игровые валюты и оборудование, скины CS:GO и многое другое. Следи за нами на VK и выигрывай призы в специальных конкурсах! Больше не ищи – Bananatic это лучший сайт с онлайн-играми .

  24. 与电脑进行黑白棋对决,最先将对方棋子吃掉即赢取比赛! 教你学围棋!游戏包含吃子题目及死活题目,适合初学者。 麻将 – 维基百科,自由的百科全书-麻雀,又稱麻 将,是一種源自中國的棋牌類遊戲。遊戲參與者通常为四人。麻雀在各地的規則(尤其是番數或得分的計算方式)有很大不同,但基本目標都是通過一系列置換和取捨規則拼出某些特定組合的牌型,並阻止對手達成相同目的。麻雀的 教你学围棋!游戏包含吃子题目及死活题目,适合初学者。 葫芦岛麻将 版本:PC版 【胡牌条件】三门齐,有一、九,必须开门,有横( 3、麻将发 发财图片. 千图网提供精美好看的产品实物图片素材免费下载,本次作品主题是麻将 德州扑克不是一个复杂的游戏。学习德州扑克的基本规则、了解部分手牌的质量、比较最终摊牌的大小——属于比较容易的部分,掌握这些只需要几分钟时间。而真正精通德州扑克各种玩法,把德州扑克变成一种持续赚钱盈利的工具,这需要大量的实战经验和漫长的时间累积。 3、大量的游戏礼包可以在里面进行感受,主宰不同的游戏赛事在游戏中去查看,精彩的游戏对局可以在游戏中展开竞技; 其实股票投资的决策过程,跟打德州扑克也有类似的地方。   Hand就可以用一个52bit的表示, 其中每一位都代表一个具体的牌. 可以借用4个16位字节来简单实现, 其中每个16位字节(word)覆盖一组花色牌.      对于牌类型(Hand Type), 这边设定:

  25. Существуют три вида массажа, который способствует росту бровей. Ингредиенты маски для роста ресниц: Сответственно, мы знаем, что, как и любая мышца – круговая мышца глаз в тонусе начинает зажимать кровеносные сосуды, что не позволяет им питать луковицу ресницы, а её соответственно быстро расти. Значит ресницы редеют и выпадают. Выберите страну Выгодный курс Таким способом можно провести масляный массаж. Для него берется большое количество масла в результате чего пальцы буквально скользят по волоскам и коже. Особенно хорошо зарекомендовало себя теплое касторовое масло — источник всех питательных веществ, нужных для «пробуждения» фолликулов. Ежедневный шампунь против выпадения волос Bioblas с экстрактом плюща(Ivy plant extract Phytosterol). Для всех типов волос. Состав на 74% трав. Объем 360мл. Запатентованный комплекс травяной формулы B19. Поддерживает здоровый рост волос и препятствует выпадению. Как и любой другой прибор, массажер нельзя применять бездумно. Нужно внимательно прочитать все противопоказания и, если есть необходимость, проконсультироваться с врачом. Можно назвать несколько примеров, когда нельзя использовать роликовый массажер. Доставка Но потом осознав что массажер то и сам не крупный да и насадки по виду не для великанов, успокоился. Комплектация согласно описанию, без излишеств. да и что можно добавить к массажеру кроме него самого и насадок. Гарантийный талон-есть, инструкция-конечно, ах да, компания любезно предоставила каталог своей продукции. Процедура вибромассажа поможет активно бороться с различными заболеваниями, расслаблять мышцы и улучшить общее состояние организма. Для данных целей применяются специальные вибромассажеры. В такие массажеры встроены специальные программы, их можно комфортно регулировать по частоте и силе воздействия, исходя из индивидуальных пожеланий.

  26. In recent years, Korean beauty, or K-Beauty, has become somewhat of a global phenomenon, and it is no joke. Seoul, South Korea, is a beauty mecca, bustling with facialists, spas, retail beauty stores, skin clinics, and cosmetic surgeons. With so many skincare lines and products, I didn’t know where to begin. So I started researching and learning about the philosophy that is behind the Korean skincare routine. “It may sound extensive, but most Korean women use an 8 and 10-step skincare routine each and every day to help keep their skin looking healthy and beautiful” Vicky explains. “Although it’s quite a bit of work compared to the average skincare regime, their effort does not go unnoticed – these women take pride in knowing they have some of the best skin in the world!” These are her key steps for morning: Founded by influencer-turned-beauty CEO Deepica Mutyala, inclusive beauty brand Live Tinted makes its Ulta Beauty debut this week. Gana un 10% de cada trabajo que les realicemos a tus referidos con nuestro sistema de afiliados. Then on the other extreme, also just having fun with new products and different looks. There’s so much more information available to us now that certainly wasn’t available to me, like, when I was in college as a young person trying out new makeup and skincare. Upon doing so, you should receive the items and their corresponding badges! Both Sephora and Ulta Beauty already pop product samples into bags at checkout and will continue to offer that perk. Grab your friends and celebrate the power and beauty of friendship with the Monsters Inc. Juice Infused Lip Oil, an exclusive Ulta Beauty Collection collaboration with Disney and Pixar.

  27. What factors contribute to an increase in unemployment and what steps can be taken to solve the problem? There is no definitive answer for how long an introduction should be. But, like the Slate study told us, readers have short attention spans. They’re impatient to get to the meat of the article. Your readers are looking for information, so don’t bury it deep in your article. Cut to the chase. You are trying to fix a formula for the content of your body paragraphs – don’t do that. You need to show flexibility when it comes to body paragraphs. For example, you do not actually need to conclude a body paragraph. That is not a requirement of IELTS so there is no point fixing that as part of your body paragraph. Just state your main idea and then explain it – you decide how to explain it depending on the idea and the topic – you do not plan this before hand. Start being more flexible in your approach. See my Advanced Writing Task 2 Lessons if you need more help: When choosing our write essay service, you get 24 7 access to the assigned paper writer and can send them messages from your customer account. Our writers work in different fields of study and have years of professional term paper writing and essay writing experience under their belts. SO YOU CAN PLAY WHILE WE MAKE YOUR ESSAYS GO AWAY! Copyright 2022  .  .  All rights Reserved The process of ordering an essay is quite straightforward. It only takes several minutes to send us a request. When people first access our platform and notice our order form, they’ll see that we ask for details related to the type of work they need. After all, custom essays require all these details to make sure our writers create the projects specifically for each customer’s needs. Here is how you can buy our cheap custom essay papers:

  28. texas slot เกมสล็อตออนไลน์แบบเกมที่ล้ำยุค ควบคุมไว้ ทั้งยังคาสิโน สล็อต และก็เป็นที่ ยอมรับต่อนักเล่นการพนัน มากมายๆ ที่จะเข้ามาพนัน กับตัวพนันที่ร่วมสนุกสนานสำหรับเพื่อการเล่น

  29. ทดลอง เล่น สล็อต ฟรี สล็อตเว็บไซต์ตรง ไม่ผ่านเอเย่นต์ เปิดใหม่ ของทางค่ายเกม pg ของเรา เป็นอีกหนึ่งศูนย์รวม เกมสล็อตออนไลน์ ที่นักเสี่ยงดวงต่างๆนั้นไว้วางใจอย่างมากที่สุดในขณะนี้

  30. cancun mexico vacation all inclusive
    [url=]best resorts in cancun all inclusive[/url]

  31. hotel resorts in cancun mexico
    [url=]family friendly all inclusive resorts cancun[/url]

  32. all inclusive resorts in cancun for families
    [url=]sunrise beach resort v[/url]

  33. cancun all inclusive resorts reviews
    [url=]five four club vs trendy butler[/url]

  34. [url=]best over the counter flu medicine[/url] over the counter antidepressant

  35. Pingback: 2symbolic

  36. [url=]over the counter antidepressants[/url] over the counter yeast infection treatment

  37. [url=]nausea medication over the counter[/url] over the counter tapeworm treatment for dogs

  38. doxycycline 100mg online doxycycline 100mg online or doxycycline 100mg dogs doxycycline vibramycin
    [url=]order doxycycline 100mg without prescription[/url] 100mg doxycycline and [url=]200 mg doxycycline[/url] generic for doxycycline

  39. over the counter amoxicillin canada amoxicillin 500mg tablets price in india or amoxicillin 500mg over the counter generic amoxicillin online
    [url=]buying amoxicillin in mexico[/url] how to get amoxicillin over the counter and [url=]amoxicillin 500 mg capsule[/url] amoxicillin 500mg pill

  40. what is minocycline prescribed for order minocycline 100 mg or minocycline efectos secundarios stromectol brand
    [url=]minocycline 100mg pills[/url] ivermectin 0.1 and [url=]ivermectin coronavirus[/url] ivermectin over the counter

  41. zithromax 500 mg zithromax capsules or generic zithromax azithromycin where can i buy zithromax uk
    [url=]zithromax z-pak price without insurance[/url] generic zithromax india and [url=]zithromax 500 price[/url] zithromax 250 mg tablet price

  42. where to buy amoxicillin pharmacy where to buy amoxicillin 500mg without prescription or amoxicillin for sale how much is amoxicillin
    [url=]how to buy amoxicillin online[/url] amoxicillin without rx and [url=]amoxicillin no prescipion[/url] amoxicillin without rx

  43. safe and effective drugs are available. Everything information about medication.
    ivermectin 250ml
    Comprehensive side effect and adverse reaction information. Medicament prescribing information.

  44. Drug information. Get here.
    [url=]ivermectin over the counter canada[/url]
    Get here. Read information now.

  45. What side effects can this medication cause? Get information now.
    [url=]stromectol australia[/url]
    Long-Term Effects. Get here.

  46. Everything about medicine. Get information now.
    [url=]ivermectin usa[/url]
    Read now. Read information now.

  47. safe and effective drugs are available. Prescription Drug Information, Interactions & Side.
    [url=]ivermectin pill cost[/url]
    Medicament prescribing information. Read information now.

  48. Generic Name. Drugs information sheet.
    [url=]ivermectin human[/url]
    Get warning information here. Definitive journal of drugs and therapeutics.

  49. Medscape Drugs & Diseases. Top 100 Searched Drugs.
    [url=]stromectol cost[/url]
    Comprehensive side effect and adverse reaction information. Read here.

  50. Prescription Drug Information, Interactions & Side. Commonly Used Drugs Charts.
    [url=]ivermectin lotion cost[/url]
    п»їMedicament prescribing information. Everything information about medication.

  51. minocycline 50mg tablets for human minocycline 50 mg tablets for humans for sale or ivermectin buy online ivermectin oral 0 8
    [url=]minocycline 100 mg without doctor[/url] ivermectin 50ml and [url=]stromectol 3mg[/url] price of stromectol

  52. can you get cheap levaquin without a prescription can you buy generic levaquin for sale or order generic levaquin without prescription can you buy cheap levaquin online
    [url=]can you buy levaquin without insurance[/url] can i get generic levaquin for sale and [url=]can i order cheap levaquin[/url] can i get generic levaquin without prescription

  53. Some are medicines that help people when doctors prescribe. Best and news about drug. can you get nexium without dr prescription
    drug information and news for professionals and consumers. Some are medicines that help people when doctors prescribe.

  54. Some are medicines that help people when doctors prescribe. Actual trends of drug. [url=]avodart without a prescription[/url]
    Definitive journal of drugs and therapeutics. Medscape Drugs & Diseases.

  55. where to get cheap nexium without rx how to get cheap nexium without prescription or how to get generic nexium pills order cheap nexium for sale
    [url=]where to buy nexium price[/url] where to buy generic nexium without a prescription and [url=]can i buy cheap nexium pill[/url] can i buy nexium price

  56. where buy generic avodart without insurance where can i buy generic avodart price or where can i buy generic avodart without prescription can i buy generic avodart tablets
    [url=]can i buy generic avodart without prescription[/url] generic avodart tablets and [url=]can you buy generic avodart no prescription[/url] where can i buy avodart

  57. where to get cheap mobic without rx where can i buy mobic without rx or how can i get mobic without prescription where can i get cheap mobic without a prescription
    [url=]where to buy mobic for sale[/url] where can i buy generic mobic pills and [url=]order cheap mobic without rx[/url] can you get cheap mobic tablets

  58. safe and effective drugs are available. Learn about the side effects, dosages, and interactions. [url=]avodart sale[/url]
    Generic Name. п»їMedicament prescribing information.

  59. can i order cheap nexium without dr prescription where to get nexium without dr prescription or how to get nexium without dr prescription can i buy cheap nexium pills
    [url=]how to get generic nexium tablets[/url] can i get cheap nexium for sale and [url=]can i order cheap nexium online[/url] generic nexium pill

  60. how to buy cheap avodart without insurance how to get generic avodart without a prescription or cost cheap avodart without prescription can i purchase avodart without insurance
    [url=]where can i buy generic avodart price[/url] how to buy generic avodart without prescription and [url=]get avodart pills[/url] how to get generic avodart no prescription

  61. Everything what you want to know about pills. Some are medicines that help people when doctors prescribe. where can i buy avodart without dr prescription
    Actual trends of drug. Definitive journal of drugs and therapeutics.

  62. where can i buy levaquin no prescription where can i get cheap levaquin without dr prescription or can you get levaquin without insurance can i purchase cheap levaquin without insurance
    [url=]can i get generic levaquin without dr prescription[/url] can you buy cheap levaquin without dr prescription and [url=]can i get levaquin pill[/url] get generic levaquin tablets

  63. order generic clomid without rx where to get generic clomid without rx or buy cheap clomid can i buy generic clomid without prescription
    [url=]how can i get generic clomid without dr prescription[/url] where to buy cheap clomid prices and [url=]can i get generic clomid without rx[/url] buying generic clomid without a prescription

  64. Medscape Drugs & Diseases. Read here.
    [url=]can you buy generic propecia[/url]
    Prescription Drug Information, Interactions & Side. Read here.

  65. buy amoxicillin 500mg capsules uk amoxicillin 500 mg for sale or amoxicillin tablet 500mg generic amoxicillin
    [url=]amoxicillin 500 mg tablet price[/url] how to get amoxicillin and [url=]amoxicillin 500mg tablets price in india[/url] amoxicillin for sale online

  66. It’s in point of fact a great and useful piece of info. I am happy that you simply shared this useful info with us. Please stay us informed like this. Thank you for sharing.

  67. amoxicillin 500 mg buy amoxicillin from canada or where can you get amoxicillin buy amoxicillin 500mg capsules uk
    [url=]amoxicillin 500 mg price[/url] amoxicillin 750 mg price and [url=]where can i buy amoxicillin online[/url] generic amoxicillin over the counter

  68. Everything about medicine. Long-Term Effects.
    [url=]can i purchase generic clomid pill[/url]
    Learn about the side effects, dosages, and interactions. safe and effective drugs are available.

  69. how to buy cheap propecia no prescription can you get cheap propecia tablets or buy cheap propecia without rx where buy propecia for sale
    [url=]how to get propecia without insurance[/url] can you buy generic propecia without dr prescription and [url=]can i purchase cheap propecia pills[/url] can i buy propecia

  70. zithromax 600 mg tablets zithromax online or buy zithromax without prescription online zithromax over the counter canada
    [url=]generic zithromax medicine[/url] generic zithromax 500mg india and [url=]zithromax online usa no prescription[/url] zithromax 500mg over the counter

  71. where to buy generic clomid without dr prescription get cheap clomid for sale or how can i get clomid prices clomid generic
    [url=]can i order cheap clomid pill[/url] where to get clomid without rx and [url=]order generic clomid prices[/url] where to buy cheap clomid

  72. п»їMedicament prescribing information. Read information now.
    [url=]ed medications[/url]
    Get warning information here. Get information now.

  73. Get information now. What side effects can this medication cause?
    [url=]ed pills gnc[/url]
    Get information now. safe and effective drugs are available.

  74. Read here. Long-Term Effects.
    [url=]ed drugs compared[/url]
    Read now. Top 100 Searched Drugs.

  75. Read here. Read information now.
    [url=]tadalafil without a doctor’s prescription[/url]
    What side effects can this medication cause? Top 100 Searched Drugs.

  76. canadianpharmacymeds pharmacy canadian or canadian pharmacy generic viagra canadian pharmacies
    [url=]canadian pharmacy drugs online[/url] www canadianonlinepharmacy and [url=]canadian pharmacy levitra value pack[/url] cheap canadian pharmacy

  77. Everything about medicine. Read information now.
    [url=]how can i order prescription drugs without a doctor[/url]
    Medscape Drugs & Diseases. Get information now.

  78. canadian online pharmacy canadian pharmacy online cialis or canadian pharmacy cialis 20mg pharmacy rx world canada
    [url=]canadian pharmacy online cialis[/url] reliable canadian pharmacy and [url=]best online canadian pharmacy[/url] canadian pharmacy world reviews

  79. Medicament prescribing information. Some trends of drugs.
    [url=]prescription drugs without doctor approval[/url]
    Some trends of drugs. Long-Term Effects.

  80. Learn about the side effects, dosages, and interactions. Cautions.
    [url=]carprofen without vet prescription[/url]
    Read information now. Drug information.

  81. canadian drug pharmacy buy prescription drugs online or canadian medications prescription drugs
    [url=]canadian drug pharmacy[/url] canadian online pharmacy and [url=]prescription drugs without doctor approval[/url] pain medications without a prescription

  82. Actual trends of drug. Read here.
    [url=]meds online without doctor prescription[/url]
    Best and news about drug. Some trends of drugs.

  83. Top 100 Searched Drugs. All trends of medicament.
    [url=]buy prescription drugs from india[/url]
    Some trends of drugs. Get information now.

  84. Drugs information sheet. drug information and news for professionals and consumers.
    [url=]prescription drugs online[/url]
    Some trends of drugs. Get warning information here.

  85. canadian pharmacy online store canadian pharmacy no scripts or canadian pharmacy king reviews cheapest pharmacy canada
    [url=]canadian world pharmacy[/url] canadian drugs pharmacy and [url=]canadian pharmacy viagra reviews[/url] canadian pharmacy sildenafil

  86. Learn about the side effects, dosages, and interactions. earch our drug database.
    [url=]amoxicillin without a doctor’s prescription[/url]
    Everything what you want to know about pills. Read information now.

  87. pharmacies in canada that ship to the us online canadian drugstore or canadian pharmacy phone number canadian pharmacy phone number
    [url=]legitimate canadian pharmacy[/url] canadian pharmacy 365 and [url=]canadian pharmacy sildenafil[/url] canada drugs reviews

  88. Everything about medicine. Generic Name.
    [url=]sildenafil online uk[/url]
    Actual trends of drug. What side effects can this medication cause?

  89. Generic Name. Read information now.
    [url=]cheapest sildenafil 100 mg online[/url]
    Cautions. Prescription Drug Information, Interactions & Side.

  90. Drugs information sheet. Read here.
    [url=]sildenafil 100mg canada[/url]
    drug information and news for professionals and consumers. Read now.

  91. Long-Term Effects. Medicament prescribing information.
    [url=]sildenafil 20 mg online canada[/url]
    Top 100 Searched Drugs. Drug information.

  92. sildenafil 10 mg daily buy sildenafil generic or generic sildenafil 20 mg sildenafil 105 mg
    [url=]sildenafil tablet 200mg[/url] sildenafil online purchase in india and [url=]sildenafil 100 capsules[/url] sildenafil tablet online india

  93. You made your point!
    why do i always procrastinate my homework [url=]do my writing homework[/url] can you do my math homework for me

  94. Commonly Used Drugs Charts. Read information now.
    [url=]how much is generic sildenafil[/url]
    Drugs information sheet. All trends of medicament.