Donner ! Ça fait du bien.

 In Philanthropie

Donner ! Ça fait du bien, titrait récemment un article du Journal Les Affaires.

Nous avions effleuré le sujet dans un Bulletin de Noël précédent en résumant le livre Happy Money1 qui présentait les cinq façons de dépenser son argent pour en tirer le plus de satisfaction.

Selon les études citées dans le livre, donner est l’une des cinq façons de dépenser son argent pour en tirer le plus de bonheur et peut nous rendre plus heureux que de dépenser pour nous-mêmes.

Parmi ces études, celle menée par la firme Gallup World Poll entre 2006 et 2008 auprès de 200 000 participants dans 136 pays afin d’établir un profil psychologique des humains est l’une des plus exhaustives.

Une des constatations de l’étude est que dans 120 pays sur 136, les personnes qui avaient donné dans le mois précédent étaient plus satisfaites de leur vie que celles qui n’avaient pas donné. Cette relation s’est confirmée dans les pays riches et les pays pauvres et en tenant compte d’autres facteurs tels que le revenu. Une autre expérience plus récente montre que l’action de donner et le bonheur ont un effet de renforcement créant ainsi un cercle vertueux.

Ainsi selon les auteurs, il semble que la prédisposition de tirer du bonheur de l’action de donner soit une composante fondamentale de la nature humaine.

Donner pour en tirer le plus de bonheur

Les auteurs suggèrent trois stratégies visant à maximiser l’impact des dons sur le bonheur.

1) En faire un choix

Les dons devraient être faits de façon volontaire. Les dons forcés enlèvent le plaisir et ont peu d’impact sur le bonheur.

Par exemple, les cadres d’entreprises sont souvent sollicités avec insistance par leurs employeurs afin de donner à des organismes de charité à même leur salaire. Ce type de dons peut laisser l’impression de constituer plutôt une dépense de bureau et ne génère pas autant de satisfaction qu’un don fait plus librement. Il en est de même pour les médecins qui sont souvent approchés pour effectuer des contributions plus ou moins volontaires à la fondation de leur hôpital.

2) Établir une connexion

Les dons à des personnes proches telle que les membres de la famille et amis ainsi que les dons à des œuvres de bienfaisance qui nous tiennent à cœur (ex : santé, service communautaire, enfance, pauvreté, culture, environnement) sont ceux qui ont le plus d’effet sur le bonheur.

Une étude récente réalisée par la firme Épisode en collaboration avec la firme Léger, révélait d’ailleurs que les Canadiens et les Québécois donnent davantage à une cause qui est liée à leur réalité et qu’ils vivent dans leur quotidien.

3) Avoir un impact

Les dons ayant un effet concret que l’on peut constater ont plus d’impact même s’il s’agit de petites sommes.

Pour tenir compte de ces facteurs, plusieurs organismes de bienfaisances tentent ainsi de créer des liens directs entre les donateurs et les bénéficiaires. Par exemple, les personnes qui donnent à l’organisme international Vision Mondiale reçoivent par la suite des photos et de la correspondance de l’enfant qu’ils commanditent.

Donner à la famille et aux amis

Donner à la famille et aux amis

Selon Happy Money, donner aux membres de la famille est l’une des formes de don apportant le plus de satisfaction.
Par ailleurs, l’auteur du livre Die Broke² mentionne que selon des études effectuées aux États-Unis, plus les enfants ont reçu des dons de leur famille entre l’âge de 25 et 40 ans moins ils sont indépendants financièrement par la suite.

Recevoir de tels dons à titre gratuit de même que l’anticipation d’un héritage semble en effet résulter en de mauvaises habitudes de travail et d’épargne.

Que faire alors? Donner mais pour des buts spécifiques tels que contribuer aux études, démarrer en affaires ou aider à acquérir une maison.

Par exemple, les grands-parents pourraient mettre en place un Régime Enregistré d’Épargne-Études (REÉÉ) pour les petits-enfants et effectuer les premières contributions annuelles jusqu’à 2 500 $ par petits-enfants. Un tel régime peut aussi être mis en place pour des neveux, nièces ou un enfant d’un ami.

Dans le cas où un membre de la famille souffre d’un handicap physique ou mental le limitant dans ses activités quotidiennes, un Régime Enregistré d’Épargne – Invalidité (REÉI) pourrait être mis en place afin de constituer un fonds de pension dont il pourra bénéficier lorsqu’il sera plus âgé et que ses parents ne seront peut-être plus là pour s’occuper de lui. Ce régime est particulièrement avantageux car une contribution annuelle de 1 500 $ entraîne généralement une subvention annuelle de 3 500 $ du gouvernement fédéral à partir du moment où la personne souffrant d’un handicap est âgée de plus de 18 ans. Des contributions peuvent aussi être effectuées avant l’âge de 18 ans mais les subventions seront généralement moins généreuses.

Choisir une cause spécifique

Une seconde façon de tirer le plus de satisfaction de nos dons est de donner à une cause qui nous tient à cœur.

Pour ceux qui ont perdu un proche à cause d’une maladie ce sera souvent pour la recherche médicale sur cette maladie. Pour d’autres, ayant des enfants ou petits-enfants avec des difficultés ce pourra être à des organismes d’aide aux enfants. Plusieurs voudront plutôt aider des organismes pour femmes en difficulté, leur Alma Mater, des organismes culturels ou des organismes venant en aide aux animaux etc.

Il existe plus de 80 000 organismes de bienfaisance enregistrés pouvant émettre des reçus pour fins d’impôt sans compter une multitude d’organismes sans but lucratif qui poursuivent des œuvres de bienfaisance. Ce n’est donc pas le choix qui manque.

Choisir une cause spécifique

Il existe plusieurs outils de référence afin de vous aider à effectuer un choix. Vous pouvez vous rendre sur l’onglet Organismes de bienfaisance du site de l’Agence de revenu Canada (ARC) et obtenir des renseignements sur un organisme qui vous intéresse (description de la mission, % de frais administratifs, etc.). Vous pouvez aussi commander une liste selon la cause recherchée (ex : santé, religion, etc.). Aussi, depuis 3 ans le magazine MoneySense publie un classement des 100 plus grands organismes du Canada sur la base de critères comme l’efficacité de la gestion, de la gouvernance, etc.

Les grands donateurs

Le 28 avril 2011, à l’initiative de Warren Buffet, 69 milliardaires se sont engagés à donner un minimum de 50% de leur fortune durant leur vie ou après leur mort. Parmi ceux-ci, son ami Bill Gates a l’intention de donner 95% de sa fortune tandis que Warren Buffet désire donner 99% de la sienne. Ce dernier affirme qu’il n’a jamais été aussi heureux que lorsqu’il a pris cette décision.

L’intention de ces milliardaires est très louable. Il reste cependant que la grande majorité des sommes reçues par les organismes de bienfaisance proviennent de dons de 10$, 25$ ou de 50$ à la fois.

Statistiques

L’Institut Fraser publiait récemment des statistiques sur les dons. Celles-ci sont tirées des données figurant sur les déclarations d’impôt personnelles de 2013.

Donner ça fait du bien - statistiques donations 2013

Tel que l’illustre le tableau précédent, le pourcentage de Québécois effectuant des dons est semblable à la moyenne nationale qui est de l’ordre de 20%.

Par contre la moyenne de dons tant en % du revenu qu’en dollars s’établit à seulement environ la moitié de la moyenne nationale. Ce qui confirme que la philanthropie est plus avancée dans la culture anglophone que francophone.

Crédits d’impôt

Lorsque nous effectuons des dons à des organismes de bienfaisance enregistrés, les gouvernements accordent les économies d’impôts suivantes à l’occasion de la préparation des déclarations d’impôt personnelles.

Donner ça fait du bien - crédit d'impôt

De plus, afin d’encourager les gens qui n’ont jamais donné à commencer à le faire, un super crédit pour don est accordé en 2017 soit 57.5% sur les premiers dons jusqu’à 200 $ et 73,2% sur les dons s’élevant de 200 $ jusqu’à 1 000 $.

Stratégies

Polices d’assurance vie

Si vous désirez effectuer un don plus substantiel à un organisme de bienfaisance, l’utilisation d’une police d’assurance vie peut s’avérer une stratégie intéressante. L’organisme devra naturellement faire preuve de patience en attendant d’encaisser le produit de l’assurance vie suite au décès. Les organismes font généralement référence à la notion de Dons Planifiés pour ce type de dons, il existe deux façons principales d’utiliser cette stratégie.

Déduction annuelle des primes

Si l’organisme est propriétaire et bénéficiaire de la police, les primes annuelles payées sont alors déductibles (ex. : 500$). Le produit d’assurance éventuellement versé à l’organisme (ex. : 100 000 $) ne donnera cependant pas droit à un crédit pour don car le contrat d’assurance lui appartenait déjà.

Déduction du produit de l’assurance

Si vous êtes propriétaire du contrat d’assurance et que l’organisme de bienfaisance est nommé bénéficiaire, les primes annuelles (ex : 500$) ne seront pas déductibles étant donné que vous demeurez propriétaire du contrat mais le produit d’assurance (ex : 100 000$) remis à l’organisme donnera droit à un crédit d’impôt important au décès.

Cette approche peut être particulièrement intéressante dans le cas où une facture d’impôt élevée est prévue au décès. Par exemple si vous détenez des immeubles à revenus, une entreprise, etc.

Titres de portefeuille

Vous désirez vendre des actions cotées à la Bourse et ayant accumulé une plus-value et vous avez l’habitude d’effectuer des dons ou songer à le faire? En ce cas il pourrait être plus intéressant de donner ces actions que d’effectuer vos dons en argent. En effet, si vous donnez les actions, vous serez exonéré de l’impôt sur le gain en capital qui s’élève à environ 25% du gain lorsque l’on est imposé au taux d’impôt maximum.

Par exemple, vous détenez des actions de la Banque Nationale que vous avez payées 3000$ et dont la valeur actuelle est de 5000$. Leur vente entraînerait un impôt de 500$ soit 25% du gain de 2000$.

Si vous donnez plutôt ces actions vous aurez droit au crédit d’impôt habituel pour don de l’ordre de 50% de la valeur des actions, soit 2500$, et vous économiserez en plus un impôt de 500$ sur le gain en capital exonéré.

Autres stratégies

Il existe d’autres façons plus ciblées d’effectuer des dons en bénéficiant d’avantages fiscaux. Par exemple :

  • Dons d’œuvres d’art réalisées par des artistes canadiens à des musées et institutions publiques.
  • Certains organismes tels que la Fondation du Grand Montréal regroupent des donateurs et des organismes qui offrent des subventions. Les dons entraînent ainsi un effet multiplicateur des sommes reçues par l’organisme de bienfaisance, souvent dans le milieu culturel.
  • Dons d’un immeuble à des fins culturelles pour accueillir les ateliers d’artistes ou les organismes à vocation culturelle.

1. Happy Money, Simon & Schuster, 2013, Elizabeth Dunn & Michael Norton

2. Die Broke, Harper Business, 1998, Stephen M. Pollan & Mark Levine

Showing 190 comments
  • gamefly free trial

    I will immediately grasp your rss as I can’t to find your email subscription hyperlink or
    newsletter service. Do you have any? Please let me recognise so that
    I may just subscribe. Thanks.

  • gamefly free trial

    My coder is trying to convince me to move to .net from PHP.

    I have always disliked the idea because of the costs.
    But he’s tryiong none the less. I’ve been using WordPress on various websites for
    about a year and am worried about switching to another platform.
    I have heard great things about blogengine.net.
    Is there a way I can import all my wordpress content into it?
    Any kind of help would be greatly appreciated!

  • gamefly free trial

    Good day! This post couldn’t be written any better! Reading this post reminds me of my previous room mate!
    He always kept talking about this. I will forward this write-up to him.
    Fairly certain he will have a good read. Thanks for sharing!

  • gamefly free trial

    My brother suggested I might like this blog.

    He was entirely right. This submit actually made my day.
    You can not believe simply how a lot time I had spent for this info!
    Thank you!

  • It’s remarkable for me to have a website, which is good for my experience.
    thanks admin

  • Link exchange is nothing else but it is just placing
    the other person’s webpage link on your page at suitable place and other person will
    also do similar in favor of you.

  • Hi there, yeah this article is actually good and I have learned lot of
    things from it regarding blogging. thanks.

  • Right here is the perfect blog for everyone who really
    wants to find out about this topic. You understand so much
    its almost hard to argue with you (not that I actually
    would want to…HaHa). You certainly put a brand new spin on a subject that has
    been written about for decades. Great stuff,
    just wonderful!

  • g

    This design is spectacular! You obviously know how to keep a
    reader amused. Between your wit and your videos, I
    was almost moved to start my own blog (well, almost…HaHa!) Great
    job. I really enjoyed what you had to say, and more than that, how you
    presented it. Too cool!

  • g

    Today, while I was at work, my sister stole my iphone and tested to see if it
    can survive a thirty foot drop, just so she can be a youtube sensation. My apple ipad
    is now destroyed and she has 83 views. I know this is completely off
    topic but I had to share it with someone!

  • g

    Hello! This is my first visit to your blog!

    We are a team 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!

  • g

    Can I simply say what a comfort to find somebody that really knows what they’re talking about on the web.
    You definitely know how to bring an issue to light and make it important.
    More and more people must check this out and understand this side of your story.
    I was surprised you are not more popular since you certainly
    possess the gift.

  • This excellent website definitely has all of the info I needed about this subject and
    didn’t know who to ask.

  • g

    I used to be able to find good advice from your articles.

  • g

    There’s definately a great deal to know about this subject.
    I love all the points you made.

  • Hey are using WordPress for your blog platform?
    I’m new to the blog world but I’m trying to get started
    and create my own. Do you require any coding expertise to make your own blog?
    Any help would be really appreciated!

  • Valuable info. Fortunate me I discovered your website
    unintentionally, and I’m stunned why this coincidence didn’t took place earlier!
    I bookmarked it.

  • It’s actually a great and useful piece of info. I’m glad that you just shared this helpful information with
    us. Please keep us informed like this. Thank you for sharing.

  • I am sure this paragraph has touched all the internet visitors,
    its really really good paragraph on building up new webpage.

  • Wow, that’s what I was looking for, what a material! existing here at this webpage, thanks admin of
    this site.

  • I love what you guys are up too. Such clever work and exposure!

    Keep up the wonderful works guys I’ve incorporated you
    guys to my blogroll.

  • minecraft pc download

    Your means of explaining the whole thing in this article is genuinely good, all be
    capable of without difficulty be aware of it, Thanks a
    lot.

  • Thanks for sharing your info. I truly appreciate your efforts and I am waiting for your further write ups thank you once again.

  • gamefly free trial

    Hello! I know this is kinda off topic nevertheless I’d figured I’d ask.
    Would you be interested in exchanging links or maybe guest
    writing a blog article or vice-versa? My website addresses a lot of the same subjects as yours and I think we could greatly benefit from each other.
    If you’re interested feel free to shoot me an email. I look forward to hearing from you!
    Terrific blog by the way!

  • gamefly free trial

    Thanks for your personal marvelous posting! I really enjoyed reading it, you might be a great author.I will
    be sure to bookmark your blog and will eventually come back later in life.
    I want to encourage you to definitely continue your great writing, have a nice
    weekend!

  • Hi there, You’ve done a fantastic job. I’ll certainly digg it and personally
    suggest to my friends. I’m confident they’ll be benefited from this web
    site.

  • gamefly free trial

    Hi! I know this is kinda off topic but I was wondering if you knew where I could get a captcha plugin for my comment form?

    I’m using the same blog platform as yours and I’m having trouble finding one?

    Thanks a lot!

  • gamefly free trial

    This piece of writing will help the internet visitors for building up new webpage or even a weblog from
    start to end.

  • gamefly free trial

    When someone writes an piece of writing he/she retains the plan of a user in his/her brain that how
    a user can understand it. Thus that’s why this paragraph is perfect.

    Thanks!

  • gamefly free trial

    Great post! We will be linking to this particularly
    great article on our site. Keep up the great writing.

  • gamefly free trial

    It is not my first time to go to see this website, i am visiting this web site dailly and obtain good information from here every day.

  • gamefly free trial

    I will right away snatch your rss as I can’t to find your email subscription link or newsletter service.

    Do you’ve any? Kindly let me recognize in order that I may subscribe.
    Thanks.

  • gamefly free trial

    After looking at a few of the blog posts on your site, I seriously appreciate your
    way of writing a blog. I bookmarked it to my bookmark site list and will be checking back
    soon. Take a look at my web site too and tell me what you think.

  • gamefly free trial

    Please let me know if you’re looking for a author
    for your site. You have some really good posts and I feel I would be
    a good asset. If you ever want to take some of the load
    off, I’d absolutely love to write some articles for your blog in exchange for a link back to mine.
    Please shoot me an e-mail if interested. Thank you!

  • quest bars cheap

    Hey there! I’ve been following your site for a long time now and finally got the courage to go ahead and give you a shout out from Kingwood Texas!

    Just wanted to say keep up the great job!

  • tinyurl.com

    I absolutely love your blog.. Pleasant colors & theme.
    Did you make this website yourself? Please reply back as I’m planning to create my own personal website and would like to find out where you got this from or just what the theme is called.
    Appreciate it!

  • You can definitely see your expertise within the work you write.

    The world hopes for even more passionate writers such as
    you who aren’t afraid to mention how they believe.
    At all times go after your heart.

  • quest bars cheap

    Hello, Neat post. There is an issue along with your website in web explorer, could test this?
    IE nonetheless is the marketplace leader and a good element of folks will miss your wonderful writing because of this problem.

  • Your mode of explaining the whole thing in this article is in fact pleasant, all can easily be aware of it, Thanks a lot.

  • I’d like to find out more? I’d want to find out some additional information.

  • quest bars

    Its such as you learn my thoughts! You appear to understand so much approximately this,
    such as you wrote the e-book in it or something. I think that you just could do
    with some percent to power the message house a bit, however other than that, this is fantastic blog.
    A great read. I will definitely be back.

  • plenty of fish dating site

    I am regular visitor, how are you everybody? This post posted
    at this site is in fact good.

  • Hi colleagues, fastidious piece of writing and
    nice urging commented here, I am really enjoying by these.

  • This is very attention-grabbing, You are an excessively skilled blogger.

    I have joined your rss feed and look ahead to seeking extra of your excellent post.
    Also, I have shared your website in my social networks

  • I think the admin of this site is actually working hard in favor of his website, since
    here every material is quality based material.

  • plenty of fish dating site

    I don’t even know how I ended up here, but I
    thought this post was good. I do not know who you are but certainly
    you’re going to a famous blogger if you are not
    already 😉 Cheers!

  • plenty of fish dating site

    I was wondering if you ever thought of changing the structure of your site?

    Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better.

    Youve got an awful lot of text for only having 1 or
    2 pictures. Maybe you could space it out better?

  • plenty of fish dating site

    Fascinating blog! Is your theme custom made or did you download it from somewhere?
    A design like yours with a few simple tweeks would really make my blog jump out.

    Please let me know where you got your theme. Bless you

  • What’s up it’s me, I am also visiting this website regularly,
    this web page is in fact fastidious and the visitors are truly sharing good thoughts.

  • Hello there, I do believe your website could possibly
    be having internet browser compatibility issues.
    Whenever I take a look at your web site in Safari, it looks fine however, when opening
    in Internet Explorer, it’s got some overlapping issues.
    I merely wanted to provide you with a quick heads up!
    Apart from that, great website!

  • natalielise

    Good day I am so grateful I found your site, I really found you by mistake,
    while I was researching on Google for something else, Anyhow I am
    here now and would just like to say thanks a lot for a incredible post and a all round thrilling blog (I also
    love the theme/design), I don’t have time to read it all at the moment but I have book-marked
    it and also added in your RSS feeds, so when I
    have time I will be back to read much more, Please
    do keep up the fantastic job. pof natalielise

  • plenty of fish dating site

    Its like you read my mind! You appear to know a lot about this, like you wrote the book in it
    or something. I think that you can do with a few pics to drive the message
    home a little bit, but instead of that, this is fantastic blog.
    A great read. I’ll certainly be back.

  • plenty of fish dating site

    You need to take part in a contest for one of the greatest sites online.
    I most certainly will highly recommend this blog!

  • plenty of fish dating site

    Having read this I thought it was very informative.
    I appreciate you taking the time and effort to put this information together.
    I once again find myself spending a lot of time both reading and commenting.
    But so what, it was still worth it!

  • plenty of fish dating site

    This article offers clear idea in favor of the new viewers of blogging, that really how
    to do blogging and site-building.

  • smore.com

    I’ve read some just right stuff here. Definitely price bookmarking for revisiting.
    I wonder how so much effort you put to make this sort
    of wonderful informative website. natalielise plenty of fish

  • dating site

    Excellent pieces. Keep writing such kind of info on your site.
    Im really impressed by your site.
    Hi there, You’ve done an incredible job. I will certainly digg it and in my view suggest to my friends.
    I’m confident they’ll be benefited from this website.

  • dating site

    Hello my friend! I wish to say that this article
    is awesome, great written and include approximately all vital infos.
    I’d like to see extra posts like this .

  • dating site

    You made some good points there. I checked on the
    internet for more information about the issue and found most individuals will go along with
    your views on this website.

  • plenty of fish

    I’m not that much of a internet reader to be honest but your sites really nice, keep it up!
    I’ll go ahead and bookmark your site to come back in the future.
    Many thanks

  • Good day! I could have sworn I’ve visited this site before but after going through some of the articles I
    realized it’s new to me. Anyhow, I’m certainly happy
    I came across it and I’ll be bookmarking it and checking back
    often! pof natalielise

  • dating site

    Hello there, just became aware of your blog through Google, and found that it
    is really informative. I’m going to watch out
    for brussels. I’ll appreciate if you continue this in future.
    A lot of people will be benefited from your writing. Cheers!

  • I think the admin of this website is truly working hard for
    his web page, as here every material is quality based data.
    natalielise pof

  • Hello, i think that i saw you visited my site thus i came to “return the favor”.I am attempting to find things to enhance my site!I suppose its ok to
    use some of your ideas!!

  • I’m really impressed with your writing skills and also with the layout on your blog.
    Is this a paid theme or did you modify it yourself? Anyway
    keep up the nice quality writing, it’s rare to see a
    great blog like this one today.

  • Great article. I am going through some of these issues as well..

  • Thanks for sharing your thoughts on plenty of fish dating site.
    Regards

  • descargar facebook

    Awesome post.

  • minecraft games

    I am really loving the theme/design of your weblog.
    Do you ever run into any web browser compatibility issues? A couple of my blog readers have complained about my blog not working
    correctly in Explorer but looks great in Safari. Do you
    have any solutions to help fix this issue?

  • descargar facebook

    Hi! I’ve been reading your website for a while now and finally got the
    bravery to go ahead and give you a shout out from Austin Texas!
    Just wanted to say keep up the great work!

  • descargar facebook

    Woah! I’m really digging the template/theme of this blog.

    It’s simple, yet effective. A lot of times it’s very hard to get that « perfect balance » between superb usability and visual appeal.
    I must say you have done a excellent job with this.
    In addition, the blog loads extremely fast for
    me on Opera. Outstanding Blog!

  • quest bars cheap

    Definitely consider that which you said. Your favourite reason seemed to be on the web the easiest factor to have in mind of.
    I say to you, I certainly get annoyed while other folks consider worries that they just
    don’t recognize about. You managed to hit the nail upon the highest and also outlined out
    the entire thing with no need side effect , people can take a signal.
    Will likely be back to get more. Thanks

  • quest bars cheap

    I think this is among the most important information for me.
    And i’m glad reading your article. But should remark on some general things, The site
    style is perfect, the articles is really excellent : D.
    Good job, cheers

  • quest bars cheap

    My partner and I stumbled over here by a different
    page and thought I should check things out. I like what I see so i am just
    following you. Look forward to looking over your web page again.

  • quest bars cheap

    I used to be suggested this web site through my cousin. I am no
    longer positive whether this submit is written by him as no one else realize such
    specified approximately my trouble. You’re amazing!
    Thank you!

  • minecraft games

    Amazing things here. I am very glad to see your post. Thank you a lot and I am looking ahead to touch you.
    Will you please drop me a e-mail?

  • Corey

    Your way of explaining everything in this article is
    genuinely fastidious, every one can effortlessly be aware of
    it, Thanks a lot.

  • Its such as you learn my mind! You seem to know
    so much about this, like you wrote the ebook in it or something.

    I think that you just could do with a few p.c.
    to pressure the message house a little bit, but other than that, this is great blog.

    A fantastic read. I will definitely be back.

  • Arnette

    I really liked this post i read your blog fairly often, and
    you’re constantly coming out with pretty great stuff. I embedded this on my facebook, and my followers really liked it.
    Keep up the great work 🙂

  • skäGgolja

    I really liked this post i try to read your blog fairly often, and you’re consistently
    coming out with a lot of great stuff. I contributed this on my fb, and my followers loved it.
    Continue the good work 🙂

  • I would like to thank you for the efforts you’ve put in penning this website.
    I am hoping to view the same high-grade blog posts by you later on as well.
    In fact, your creative writing abilities has
    encouraged me to get my own, personal website now 😉

  • Ahaa, its nice conversation about this article here at this web site, I have read all that, so now me also commenting here.

  • It’s a pity you don’t have a donate button! I’d
    certainly donate to this outstanding blog! I suppose for now i’ll settle for book-marking and adding your RSS feed to my Google account.

    I look forward to fresh updates and will
    talk about this blog with my Facebook group. Talk
    soon!

  • lifting examination software

    I am not certain the place you are getting your info, but good topic.

    I must spend some time learning more or understanding more.
    Thanks for magnificent info I used to be looking for this information for
    my mission.

  • At this moment I am going away to do my breakfast,
    after having my breakfast coming over again to read other news.

  • You have made some really good points there. I checked on the internet for
    additional information about the issue and found most individuals will go along with
    your views on this website.

  • smellgood

    I loved this post! i read your blog fairly often, and you’re consistently coming out with
    pretty great stuff. I shared this on my blog, and
    my followers loved it. I really admire the good work 🙂

  • tertulianyc

    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.
    Studying this information So i’m happy to express that I’ve an incredibly good uncanny feeling I found
    out just what I needed. I such a lot certainly will make certain to do not fail to remember this web
    site and provides it a look on a continuing basis.

  • SkäGgset

    I loved this post! i read your blog fairly often, and you’re consistently coming
    out with pretty great stuff. I shared this on my blog,
    and my followers adored it. Keep up the great work 🙂

  • skäggset

    This post was amazing i try to read your blog fairly often, and you’re constantly coming out with some great stuff.
    I embedded this on my fb, and my followers really liked it.
    Keep up the very good work 🙂

  • minecraft games

    I was recommended this website via my cousin. I’m no longer certain whether this submit is written by him as nobody else recognise such
    targeted about my problem. You are incredible! Thank you!

  • skäggolja

    This post was amazing i read your blog pretty often,
    and you’re consistently coming out with pretty great stuff.
    I embedded this on my fb, and my followers really liked it.

    Keep up the good work 🙂

  • minecraft games

    Why people still use to read news papers when in this technological
    world the whole thing is available on net?

  • skäggvård

    I loved this post! i actually read your blog fairly often, and you’re always coming out with some great stuff.

    I embedded this on my blog, and my followers really liked it.
    I really admire the great work 🙂

  • www.smellgood.se/

    I really liked this post i actually read your blog prretty
    often, and you’re alqays coming out with pretty great stuff.
    I embedded this on my facebook, and my followers
    adored it. I really admir the very good work 🙂

  • billigt skäggolja

    I loved this post! i actually read your blog very often, and
    you’re always coming out with pretty great stuff.
    I embedded this on my blog, and my followers really
    liked it. I really admire the good work 🙂

  • Poker Omaha

    This is my first time visit at here and i am truly happy to read everthing at one place.

  • It’s very easy to find out any topic on web as compared to books, as I
    found this paragraph at this web page.

  • bolv365.com

    Why users still make use of to read news papers when in this technological globe all is presented on web?

  • minecraft games

    I all the time used to read article in news papers but
    now as I am a user of internet thus from now I
    am using net for articles or reviews, thanks to web.

  • seo ottawa

    You made some really good points there. I checked on the web to find out more about the issue and found most people will go along with your
    views on this web site.

  • Judi Online

    You’re so cool! I do not think I’ve read a single thing like
    that before. So nice to find somebody with some original
    thoughts on this issue. Really.. many thanks for starting this up.
    This web site is one thing that’s needed on the web, someone with some originality!

  • Thanks for finally writing about >Donner ! Ça fait du
    bien. | Paul Rioux CPA Inc. <Liked it!

  • minecraft games

    Hello! I’m at work surfing around your blog
    from my new iphone 3gs! Just wanted to say I love reading your blog and look forward to all your posts!
    Keep up the outstanding work!

  • business advice service

    Hmm it seems like your blog ate my first comment
    (it was extremely long) so I guess I’ll
    just sum it up what I wrote and say, I’m thoroughly enjoying your blog.
    I too am an aspiring blog blogger but I’m still new to everything.
    Do you have any suggestions for beginner blog writers?
    I’d really appreciate it.

  • Www.Smellgood.Se/

    This post was amazing i try to read your blog very often, and you’re consistently coming out with a lot
    of great stuff. I embedded this on my blog,
    and my followers really liked it. Continue the good work :
    )

  • 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 feeds and even I achievement you
    access consistently fast.

  • business advisory service

    My spouse and I absolutely love your blog and find most of your post’s to be exactly what I’m looking for.
    Would you offer guest writers to write content for you personally?
    I wouldn’t mind publishing a post or elaborating on some of the subjects you write in relation to here.
    Again, awesome web log!

  • business advice

    For latest information you have to visit internet and
    on the web I found this site as a finest web
    site for latest updates.

  • business advice service

    Its like you read my mind! You seem to know a lot about
    this, like you wrote the book in it or something.

    I think that you can do with a few pics to drive the message home a bit, but instead of that, this is
    excellent blog. A fantastic read. I’ll definitely be back.

  • quest bars cheap

    I for all time emailed this weblog post page to all my
    contacts, for the reason that if like to read it afterward my friends will too.

  • business advisory services

    I don’t even know the way I ended up here, however I assumed this
    publish was once good. I don’t understand who you
    might be but certainly you are going to a famous blogger in case you aren’t already.
    Cheers!

  • quest bars cheap

    This post will assist the internet viewers for setting up new blog or even a weblog from start to end.

  • quest bars cheap

    I’m really enjoying the design and layout of your blog.
    It’s a very easy on the eyes which makes it much more enjoyable for me to come here and visit more often. Did you hire out a designer to create your theme?
    Superb work!

  • business advisory services

    This article presents clear idea in support of the new visitors of blogging, that in fact how
    to do running a blog.

  • Hello my family member! I wish to say that this article is awesome, great written and come with almost all vital infos.
    I would like to look extra posts like this .

  • Gayle

    I just like the valuable information you supply in your articles.
    I’ll bookmark your weblog and take a look at once more right here regularly.
    I’m slightly certain I’ll be informed lots of new
    stuff proper right here! Good luck for the following!

  • business help service

    Hi there i am kavin, its my first occasion to commenting anyplace,
    when i read this paragraph i thought i could also make comment due to this sensible post.

  • business advisory services

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

  • Very nice blog post. I certainly appreciate this website.
    Continue the good work!

  • business help

    Hello there, I do believe your website could possibly be having internet browser compatibility issues.
    Whenever I take a look at your website in Safari, it looks fine
    however, when opening in I.E., it’s got some overlapping issues.
    I simply wanted to provide you with a quick heads up! Besides that, excellent website!

  • business consultancy

    Have you ever thought about writing an e-book or guest authoring on other websites?
    I have a blog centered on the same information you discuss and would love to have you share some stories/information. I know my
    readers would appreciate your work. If you’re even remotely interested, feel free to shoot me an e
    mail.

  • business advice service

    Hey very interesting blog!

  • business consultancy service

    Hi there! Do you know if they make any plugins to protect
    against hackers? I’m kinda paranoid about losing everything I’ve worked hard on. Any recommendations?

  • business advice service

    Hmm is anyone else having problems with the pictures on this blog
    loading? I’m trying to find out if its a problem on my
    end or if it’s the blog. Any feedback would be greatly appreciated.

  • business advice services

    I’d like to find out more? I’d love to find out some additional information.

  • Good day! This is my first visit to your blog! We are a collection of volunteers and starting a new initiative in a community in the same niche.
    Your blog provided us valuable information to
    work on. You have done a outstanding job!

  • Hey there! This is kind of off topic but I need some guidance from an established blog.

    Is it hard to set up your own blog? I’m not very techincal
    but I can figure things out pretty fast. I’m thinking about
    setting up my own but I’m not sure where to begin. Do you have any points or suggestions?
    With thanks

  • business help services

    I couldn’t refrain from commenting. Well written!

  • business advisory service

    This post presents clear idea for the new viewers of blogging, that really how
    to do running a blog.

  • business help services

    What’s up, for all time i used to check blog posts here early in the dawn, because
    i like to find out more and more.

  • business consultancy

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

  • business help services

    I am sure this piece of writing has touched all the internet viewers, its really really nice article on building up new website.

  • quest bars cheap

    Hi there would you mind letting me know which hosting company you’re working with?
    I’ve loaded your blog in 3 different web browsers and I must say this blog loads a lot faster then most.
    Can you suggest a good hosting provider at a reasonable price?
    Kudos, I appreciate it!

  • quest bars cheap

    I’m amazed, I have to admit. Rarely do I encounter a
    blog that’s equally educative and amusing, and let me tell you, you have hit the nail on the head.
    The problem is an issue that not enough folks are speaking intelligently about.
    I’m very happy I found this in my hunt for something
    regarding this.

  • skäggolja stockholm

    I loved this post! i read your blog fairly often, and you’re consistently coming
    out with a lot of great stuff. I contributed this on my blog, and my
    followers adored it. I really admire the great work :
    )

  • skäggolja stockholm

    I loved this post! i actually read your blog fairly often, and you’re constantly
    coming out with pretty great stuff. I shared this on my
    facebook, and my followers loved it. I really admire the very good work 🙂

  • skäggbalsam

    I loved this post! i try to read your blog very often, and you’re constantly coming out with
    pretty great stuff. I contributed this on my blog, and my followers adored it.

    Continue the very good work 🙂

  • business advice

    Hello my loved one! I want to say that this post is amazing, nice written and come with almost all vital infos.
    I’d like to peer more posts like this .

  • What’s up, after reading this awesome piece of writing i am too cheerful to share my know-how here with friends.

  • business advice service

    Asking questions are genuinely fastidious thing if you are not understanding anything entirely, but this
    post gives fastidious understanding even.

  • business consultancy service

    This is a topic that’s near to my heart… Take care!
    Where are your contact details though?

  • business help services

    Hey! I just wanted to ask if you ever have any issues with
    hackers? My last blog (wordpress) was hacked and I ended up losing many months of hard work due to no back up.
    Do you have any methods to stop hackers?

  • business consultancy

    Hello colleagues, pleasant post and nice urging commented here, I am actually enjoying by these.

  • business help

    WOW just what I was searching for. Came here by searching for business help

  • business help services

    bookmarked!!, I like your blog!

  • Right here is the right website for everyone who really
    wants to find out about this topic. You know a whole lot its
    almost hard to argue with you (not that I actually would
    want to…HaHa). You definitely put a fresh spin on a topic that’s been written about for many years.
    Wonderful stuff, just great!

  • business consultancy service

    Greetings from Ohio! I’m bored to tears at work so I decided
    to browse your site on my iphone during lunch break.
    I really like the knowledge you present here and can’t
    wait to take a look when I get home. I’m amazed at how fast your blog loaded on my mobile
    .. I’m not even using WIFI, just 3G .. Anyhow, very good blog!

  • business consultancy service

    With havin so much written content do you ever
    run into any issues of plagorism or copyright violation? My website
    has a lot of exclusive content I’ve either created myself or outsourced but it appears a lot of it is popping it up all over the internet without my permission. Do you know any
    techniques to help prevent content from being ripped off?

    I’d certainly appreciate it.

  • business advice service

    A fascinating discussion is worth comment. I
    do think that you should write more on this subject, it may
    not be a taboo matter but usually people do not discuss these topics.
    To the next! Kind regards!!

  • business help

    Hi! I just wanted to ask if you ever have any trouble with hackers?
    My last blog (wordpress) was hacked and I ended
    up losing months of hard work due to no data backup.
    Do you have any solutions to protect against hackers?

  • tertulianyc

    What’s up, all is going sound here and ofcourse every
    one is sharing information, that’s actually excellent,
    keep up writing.

  • Klaus

    Hello there! I could have sworn I’ve visited this blog before but after browsing through some
    of the posts I realized it’s new to me. Anyways, I’m definitely happy I stumbled upon it and I’ll be book-marking it and checking back frequently!

  • business consultancy

    Hey very nice blog!

  • business advisory service

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

  • business advisory service

    Hey there, You have done an excellent job.
    I’ll definitely digg it and personally suggest to
    my friends. I am confident they’ll be benefited from this site.

  • judi Online

    I visited multiple sites however the audio feature for
    audio songs present at this website is actually marvelous.

  • business advisory services

    I don’t even know how I ended up here, but I thought this post was great.
    I don’t know who you are but certainly you’re going to a
    famous blogger if you are not already 😉 Cheers!

  • Judi Online

    It’s actually a cool and helpful piece of info. I am glad that you just shared this useful information with us.
    Please keep us informed like this. Thanks for sharing.

  • Hello my family member! I want to say that this post is amazing,
    nice written and include almost all vital infos.
    I’d like to peer more posts like this .

  • Judi Online

    This excellent website really has all of the information I wanted concerning this subject and didn’t know who to ask.

  • I’ve been exploring for a little bit for any high-quality articles
    or blog posts on this sort of house . Exploring in Yahoo I at last stumbled upon this web site.
    Reading this info So i’m happy to convey that I’ve a very good
    uncanny feeling I discovered just what I needed.
    I such a lot unquestionably will make sure to don?t disregard this web site and provides it a glance regularly.

  • business consultancy

    This is a good tip particularly to those new to the blogosphere.
    Short but very precise info… Appreciate your sharing this one.
    A must read article!

  • business advice service

    Have you ever thought about adding a little bit more than just your articles?
    I mean, what you say is important and all. Nevertheless
    imagine if you added some great pictures or video clips to give your posts more, « pop »!
    Your content is excellent but with images and clips, this site could undeniably be one of the best in its field.
    Superb blog!

  • minecraft games

    Why people still use to read news papers when in this technological globe the whole thing is presented on net?

  • minecraft games

    It’s an amazing paragraph in favor of all the web people; they
    will take benefit from it I am sure.

  • minecraft games

    I am curious to find out what blog system you have been using?
    I’m having some small security problems with my latest blog and I’d like to find something more risk-free.
    Do you have any solutions?

  • minecraft games

    It’s genuinely very complex in this full of activity life to listen news on TV,
    therefore I only use world wide web for that purpose, and
    get the newest news.

  • minecraft games

    This is a really good tip particularly to those new to the blogosphere.

    Simple but very accurate information… Thank you for sharing
    this one. A must read article!

  • minecraft games

    I visited several websites but the audio feature for audio songs present at this web
    page is really excellent.

  • quest bars cheap

    I needed to thank you for this wonderful read!! I
    certainly enjoyed every bit of it. I have you bookmarked to look
    at new stuff you post…

  • quest bars cheap

    Helpful information. Lucky me I found your web site unintentionally, and I am shocked why this accident didn’t took place in advance!
    I bookmarked it.

  • quest bars cheap

    I’m really impressed along with your writing talents and also with the layout to
    your blog. Is that this a paid subject or did you modify it your self?

    Anyway stay up the nice high quality writing, it is rare to look a great blog like this one today..

  • quest bars cheap

    Howdy! I just wish to offer you a big thumbs up for the great info you have here on this post.
    I will be coming back to your site for more soon.

  • I simply could not go away your site before suggesting that I actually
    loved the standard info a person provide in your guests?
    Is going to be back incessantly in order to check up on new posts

  • quest bars cheap

    My brother recommended I might like this website. He was totally
    right. This post actually made my day. You can not imagine just how much time I had spent for
    this information! Thanks!

  • Terrific work! This is the kind of information that are
    supposed to be shared across the net. Disgrace on the
    search engines for not positioning this submit upper!
    Come on over and talk over with my site . Thanks =)

  • health

    We’re a group of volunteers and opening a new scheme in our
    community. Your website provided us with valuable information to work on. You’ve
    done a formidable job and our whole community will be grateful to you.

  • quest bars cheap

    Thanks for the marvelous posting! I quite enjoyed reading it, you happen to
    be a great author.I will ensure that I bookmark your blog and will
    eventually come back down the road. I want to encourage you to
    continue your great work, have a nice afternoon!

  • coconut oil benefits

    Simply wish to say your article is as astonishing.

    The clarity in your post is just excellent and i can assume you’re an expert on this subject.
    Fine with your permission let me to grab your feed to keep up to date with forthcoming post.
    Thanks a million and please continue the rewarding work.

  • coconut oil health benefits

    I’m really inspired together with your writing skills as neatly as with the
    format in your blog. Is this a paid theme or did
    you modify it your self? Either way keep up the excellent quality writing, it is uncommon to peer a great blog
    like this one nowadays..

  • Hello! I’ve been following your website for some time now and finally got the bravery to
    go ahead and give you a shout out from Humble Tx! Just wanted to mention keep up the great work!

  • coconut oil health benefits

    Oh my goodness! Incredible article dude! Thank you, However
    I am encountering issues with your RSS. I don’t know the reason why I cannot subscribe to it.
    Is there anyone else having similar RSS problems? Anyone that knows the solution can you kindly respond?
    Thanx!!

  • plenty of fish dating site

    Remarkable things here. I’m very happy to look your post.
    Thank you so much and I’m taking a look forward to contact
    you. Will you please drop me a e-mail?

  • plenty of fish dating site

    Hi there, I read your blogs regularly. Your writing style is witty,
    keep it up!

  • coconut oil that

    Pretty component of content. I just stumbled upon your website
    and in accession capital to say that I acquire in fact loved account your
    weblog posts. Anyway I’ll be subscribing on your feeds and even I success you get
    admission to consistently rapidly.

  • a coconut oil

    You can certainly see your expertise in the work you write.

    The world hopes for even more passionate writers like you who aren’t afraid to mention how they believe.
    Always follow your heart.

  • coconut oil off

    Hello! Do you use Twitter? I’d like to follow you if that would be
    ok. I’m definitely enjoying your blog and look forward to new posts.

  • plenty of fish dating site

    Heya i am for the primary time here. I came across this board and I to find It really
    useful & it helped me out a lot. I am hoping to give something again and aid
    others such as you aided me.

  • plenty of fish dating site

    Hi there to all, it’s genuinely a nice for me to pay a quick visit this site, it includes important Information.

Commentez cet article

Contactez-nous

Illisible? Changer le texte