De-Mystifying The Multi-Dimensional Nature of An Investor's Risk Profile

What Is The Misunderstanding Of An Investor’s Risk Profile?

In my journey as a wealth mentor over the last 20 years, and developing a rigorous scientifically based behavioral finance approach for the last 15, I have watched the risk profiling discussion seriously evolve from denigration to one that is being more intelligently embraced and applied. From advisors, clients, compliance departments, and regulators: what is the misunderstanding of an investor’s risk profile?

The problem is a combination of factors:

  1. Lack of clarity in the terminology as to what defines risk profile. For instance, interchanging risk tolerance, risk perception, and risk capacity although all have different meanings.
  2. Regulators worldwide have created principles based laws around risk profiling. But the legislative vagueness leaves too much open for interpretation leaving many firms doing virtually nothing.
  3. Compliance departments allowing “tick-the-box” methods of risk profiling along a broad array of approaches from doing nothing, to guessing, observing, or 3-to-5 hacked together questions.
  4. Applying the risk profile in a linear way based on a single measurement.
  5. Lack of understanding risk profiling at a deeper level because many of the instruments and processes are slapdash and poorly constructed. Even the better tools are one dimensional but are used to measure all aspects of risk, which is wrong and misleading.
  6. The Inability of advisors/consultants to integrate risk profiling and behavioral discovery into the client onboarding process.
  7. An unwillingness to have the client invest time in additional questionnaires viewed as distracting from getting on-boarded.
  8. The plethora of online investing platforms leveraging a quick & dirty approach to “knowing the investor” without any real insights.

The positive development now is that there is a heightened awareness of the need to adopt a more formalized behavioral discovery process, recognizing that risk taking, tolerance, and loss aversion are separate and measurable personality traits. And it’s a combination of all the risk factors, along with many cognitive biases, that interplay in how decisions are made.

Further, the compliance environment is requiring a strengthening in processes because the #1 issue on the agenda of regulators is dealing with the increase in investor complaints from a lack of suitability. Suitable solutions will never be able to be satisfactorily offered with demonstrated client buy-in unless EACH of the multi-dimensional elements that make up the risk profile is understood by both the advisor and the client.

For the last 15 years in my role as a wealth mentor, I have been guiding advisors and clients to understand the multi-dimensional nature of their risk profile as highlighted in the table below.

Risk elementsA risk profile is not a single number determined in a vacuum. In fact, it is a quantifiable number made up of many measurable financial and personality based elements. Whether you use the Financial DNA Discovery Process or other platform, I suggest you follow these key steps to identify and apply risk profiling:

  1. Use the client’s long-term risk profile for building a long-term portfolio and predicting how they will intrinsically make decisions over the long term (this is what Daniel Kahneman refers to as the Level 1 behavior). The correct questionnaire structure is absolutely critical to getting this result. In my terms, this is the hard-wired natural DNA Behavior. The questionnaire should be designed and independently validated based on sound psychometric principles.
  2. Understand the short-term risk profile based on current situational attitudes and how the client manages themselves (Kahneman’s Level 2 behavior). This is what many risk tolerance questionnaires seek to measure with varying degrees of quality and accuracy.
  3. Separate the various calculations of the Risk Need to achieve the client’s goals and Risk Capacity being their financial ability to sustain losses from the various personality traits associated with risk, risk propensity (desire to take risks), risk tolerance (emotional ability to live with losses), loss aversion (emotional reaction to markets), risk and product perception (reaction to situations and products ), and risk preferences (personal evaluation of preparedness to take risk in a given situation or with a product).
  4. Know each client’s Risk Composure – how they are feeling during up and down market movements. Some will embrace down markets and others will fear them. Of course, added to this is knowing how to communicate with clients during these different times.
  5. When wealth mentoring the client, help them set purpose based goals that are clearly defined for keeping them focused on what’s important. An IPS can be used as the guide-stick and for getting the client’s emotional buy-in.
  6. Finally, as an advisor, know the influence of your own risk profile and behavioral biases. Your mindset can inadvertently play out with the client whereby over time they eat your risk profile.

Here are other good resources that support the steps highlighted above:

1. OSC Study on Risk Profiling
2. Adopting a 2-dimensional risk tolerance assessment process
3. The sorry state of risk tolerance
4. How to measure risk tolerance

Hugh Massie

Hugh Massie

Hugh Massie - Chairman and CEO of DNA Behavior International

As an Identity Trailblazer and Behavioral Finance Insights Pioneer, Hugh Massie empowers advisers, business leaders, families and individuals to unlock their identity for accelerating dramatic change and discover how unknown behaviors which intensify through un-managed differences, money attitudes, pressure and emotions - derail performance.

Hugh helps advisers, leaders, families, and individuals adopt an “understanding people before numbers” approach to making Behaviorally SMART decisions based on their identity, thus customizing experiences for accelerating human performance.

Hugh’s real-world practical applications of behavioral insights and the mastery of the energy of money, blended with strong financial skills, gives him the unique capability to design a wide variety of universally applicable human performance apps. The tech Hugh has developed with his team benefits 1.5 million+ people annually in 125 countries & 11 languages.)

4642 replies
  1. Avatar
    where to buy cialis online forum says:

    First of all I would like to say great blog! I had
    a quick question that I’d like to ask if you don’t mind.
    I was curious to find out how you center yourself and clear your head before writing.
    I have had a hard time clearing my thoughts in getting my ideas out there.
    I do enjoy writing however it just seems like the first 10
    to 15 minutes are wasted just trying to figure out how to begin. Any ideas
    or tips? Thanks!

  2. Avatar
    cialis buy cialis online says:

    And more at least with your IDE and have yourself acidity into and south middle, with customizable fit and ischemia cardiomyopathy has, and all the protocol-and-feel online pharmacy canada you slide instead of rigid hypoglycemia. cialis online cialis reviews

  3. Avatar
    levitra online says:

    And more at least with your IDE and deliver yourself acidity for and south central, with customizable clothier and ischemia cardiomyopathy has, and all the protocol-and-feel online rather canada you coast for severe hypoglycemia. discount viagra viagra viagra

  4. Avatar
    Trisha Czach says:

    I just want to tell you that I am just beginner to blogs and seriously enjoyed your web page. Very likely I’m likely to bookmark your blog post . You really come with perfect writings. Bless you for sharing your website page.

  5. Avatar
    adreamoftrains website hosting services says:

    Hello! I could have sworn I’ve been to this site before but after going through
    a few of the articles I realized it’s new to me.
    Regardless, I’m definitely happy I discovered it and I’ll be bookmarking it and checking back often! adreamoftrains hosting services

  6. Avatar
    dirtylovehere.club says:

    Understand that that is great option to introduce name kinds of taboo fantasies together
    with your woman. Do not do it. Speaking about sex with
    an ex causes him to think about his woman with another man, which is going to deflate his manhood, and frankly,
    make him marvel why you are desirous about that different man. You need to discover ways to
    market to the individuals and teams who’re going to be enthusiastic about your products
    and services as a way to make gross sales and succeed in your on-line business venture.
    The remaining 3 Rs for beginning on-line house primarily based businesses efficiently and shortly involve finding people to mentor you along the best way, utilizing quality hosting
    services at the very best prices, and finally, selling your
    new internet enterprise. Smashing beauties in love with sex and at all times moody to supply the perfect fantasy
    scenes. You’d love to play with these horny ladies after you see how nice their passion for wild intercourse is.

    Horny sex is what these girls love most of all and you could be charmed by the way in which
    they work cocks. Topnotch models with impressive body curves
    love sucking dicks and getting banged. Put some effort into getting to
    know among the regulars and making honest friendships.

  7. Avatar
    Numbers Baul says:

    I simply want to say I’m newbie to blogging and site-building and certainly loved your web-site. More than likely I’m going to bookmark your blog post . You certainly come with exceptional articles and reviews. Thanks a bunch for sharing your webpage.

  8. Avatar
    cialis usa says:

    results to hilarious buildup in your regional, poison. <a href=" [url=https://ciameds.com/#]echeck cialis coupon[/url] Traversing of discount cialis online to the uncivil cessation.

  9. Avatar
    cheap viagra no perscription free shipping says:

    There are certainly a lot of information like that to take into account. That is an excellent indicate raise. I offer the thoughts over as basic inspiration yet clearly there are inquiries like the one you raise where one of the most essential point will certainly be working in straightforward good faith. I don?t know if best practices have emerged around things like that, however I make sure that your work is plainly identified as an up for grabs. Both boys and also girls feel the effect of just a moment?s enjoyment, for the remainder of their lives.

  10. Avatar
    Sex vienna says:

    KAISERSLUST Plattform der Wiener Sex Scene Sex in Wien – Girls in Wien – Escorte Wien – Transen Wien – Hostessen Wien Escort Wien – Massagen Wien – Studios Wien – Laufhaus und Bordelle Wien Asiatinnen Wien – Sex in Wien – Kaiserslust – Der Kaiser hat Lust – Sex

  11. Avatar
    Technology says:

    Shop; Unique Functions. Simple Product Layouts. Post with review. Advanced Product Layout. Best conversion pages. Frontend Search · Listing example …

  12. Avatar
    cbd oil storesnear me says:

    Can I just say what a relief to find somebody that actually knows what theyre speaking about on the internet. You absolutely know how to bring an issue to light as well as make it important. Even more individuals require to read this as well as comprehend this side of the story. I cant think youre not a lot more prominent since you absolutely have the gift.

  13. Avatar
    CBD Shop says:

    Natural Releaf CBD | New York CBD Store with locations in Murray Hill, NY | Upper East Side, NY | White Plains, NY Serving New York City, NY and Westchester, NY High Quality CBD Products With Lab Test

  14. Avatar
    reference says:

    This website is actually a walk-through for all of the info you desired about this and also didn?t understand who to ask. Look here, as well as you?ll certainly discover it.

  15. Avatar
    Brice Pruneda says:

    Attractive section of content. I just stumbled upon your weblog and in accession capital to assert that I acquire actually enjoyed account your blog posts. Any way I’ll be subscribing to your feeds and even I achievement you access consistently fast.

  16. Avatar
    web hosting company says:

    Hi would you mind letting me know which web host you’re working with?
    I’ve loaded your blog in 3 completely different internet
    browsers and I must say this blog loads a lot quicker then most.
    Can you recommend a good hosting provider at a reasonable price?

    Thank you, I appreciate it!

  17. Avatar
    everyday jewelry says:

    Online jewelry boutique specializing in custom gold and silver pieces. For the hippy hearted fashion lover. Known for its custom lotus flower hoop earrings and large collection of hoop earrings. Customers enjoy the classic and unique versatile everyday jewelry designs. Glamour hippy began is also known for its dainty gold jewelry pieces. Bohemian chic styles with modern fashion flare. Great prices and affordable. Everyday pieces to statement piece designs for special occasions. Glamour hippy is inspired by diverse world culture and it reflects into the ever changing designs. Its customer enjoys unique pieces and comfort in style. Glamour hippy wants to be a part of its customers wardrobe for many years and part of great memories where ever the customer takes their jewelry pieces. Glamour hippy is glamour and hippy all in one. Shiny pretty pieces, Unique, Glamorous, boho chic, one of a kind, dainty, but statement worthy.

  18. Avatar
    find more says:

    Wow, incredible blog layout! How long have you been blogging for? you made blogging look easy. The overall look of your site is fantastic, let alone the content!

  19. Avatar
    privatedogtraining says:

    I am often to blogging and i really admire your content. The article has really peaks my interest. I’m going to bookmark your website and keep checking for brand spanking new information.

  20. Avatar
    Kylebbuo says:

    what doctor can prescribe medicine for viagra
    buy viagra online canada viaonlinebuy.us viagra pills
    who sells viagra over the counter in louisville, kentucky?

  21. Avatar
    Tiger Zinda Hai movie full hd says:

    Tiger Zinda Hai movie down,Tiger Zinda Hai film movie,Tiger Zinda Hai movie tamil,Tiger Zinda Hai movie telugu,Tiger Zinda Hai full movie in hindi hd online,Tiger Zinda Hai full hd,Tiger Zinda Hai hindi mein,Tiger Zinda Hai full movie youtube,Tiger Zinda Hai songs tamil,Tiger Zinda Hai film,Tiger Zinda Hai song hindi,total collection of Tiger Zinda Hai,Tiger Zinda Hai malayalam,film Tiger Zinda Hai,Tiger Zinda Hai movie online,Tiger Zinda Hai mp3,Tiger Zinda Hai box office collection,Tiger Zinda Hai comedies,Tiger Zinda Hai comedy,Tiger Zinda Hai full movie on youtube,Tiger Zinda Hai hd movie,Tiger Zinda Hai song mp3,Tiger Zinda Hai movie video,Tiger Zinda Hai bengali movie,songs Tiger Zinda Hai a to z,Tiger Zinda Hai songs videos,Tiger Zinda Hai mp3 songs,Tiger Zinda Hai movie songs,Tiger Zinda Hai songs telugu,Tiger Zinda Hai tamil full movie,odia film Tiger Zinda Hai,box office collection of Tiger Zinda Hai,Tiger Zinda Hai full movie in tamil,Tiger Zinda Hai full movie in tamil tamilrockers,Tiger Zinda Hai movies,Tiger Zinda Hai full movie dailymotion,Tiger Zinda Hai telugu movie downloading,Tiger Zinda Hai telugu mp3 songs,Tiger Zinda Hai full hindi movie,Tiger Zinda Hai full movie,Tiger Zinda Hai south movie,Tiger Zinda Hai movie hd,Tiger Zinda Hai tamil full movie youtube,Tiger Zinda Hai full movie in hindi hd,Tiger Zinda Hai hindi full movie,Tiger Zinda Hai video songs,Tiger Zinda Hai release date,Tiger Zinda Hai director,Tiger Zinda Hai malayalam full movie,odia Tiger Zinda Hai,Tiger Zinda Hai song down,Tiger Zinda Hai tamil full movie tamilyogi,Tiger Zinda Hai movie hd downloading,aamir khan Tiger Zinda Hai,Tiger Zinda Hai cinema telugu,hindi picture film Tiger Zinda Hai,uwatchfree Tiger Zinda Hai,Tiger Zinda Hai hindi mai,Tiger Zinda Hai meaning,Tiger Zinda Hai world wide collection,Tiger Zinda Hai full movie down,Tiger Zinda Hai song hindi mai,Tiger Zinda Hai full movie online,Tiger Zinda Hai reviews,telugu Tiger Zinda Hai,Tiger Zinda Hai movie full,Tiger Zinda Hai ka film,Tiger Zinda Hai telugu film,Tiger Zinda Hai total collection,Tiger Zinda Hai odia film,Tiger Zinda Hai ki picture,Tiger Zinda Hai kannada movie,Tiger Zinda Hai full movie online watching,Tiger Zinda Hai collection,Tiger Zinda Hai song mp3 a to z,Tiger Zinda Hai video film,Tiger Zinda Hai writer,Tiger Zinda Hai full movie tamil,Tiger Zinda Hai kannada,Tiger Zinda Hai songs malayalam,bangla movie Tiger Zinda Hai,Tiger Zinda Hai telugu full movie,Tiger Zinda Hai hindi film,hindi Tiger Zinda Hai,Tiger Zinda Hai full movie video,Tiger Zinda Hai full movie in hindi,Tiger Zinda Hai telugu video songs,Tiger Zinda Hai ka song,Tiger Zinda Hai cinema,Tiger Zinda Hai telugu video,Tiger Zinda Hai trailer,hd Tiger Zinda Hai,Tiger Zinda Hai full movie telugu,Tiger Zinda Hai hd,hindi picture Tiger Zinda Hai,Tiger Zinda Hai telugu,Tiger Zinda Hai full movie hindi,Tiger Zinda Hai audio song,Tiger Zinda Hai full movie downloading,Tiger Zinda Hai the beginning,Tiger Zinda Hai full movie hd,Tiger Zinda Hai movie reviews,Tiger Zinda Hai full movie in telugu,Tiger Zinda Hai full hd video,Tiger Zinda Hai film hd,telugu Tiger Zinda Hai movies,Tiger Zinda Hai movie full hd downloading,Tiger Zinda Hai picture,Tiger Zinda Hai picture video,Tiger Zinda Hai movie online watching,Tiger Zinda Hai movie mp3 song downloading,producer of Tiger Zinda Hai,Tiger Zinda Hai all song,Tiger Zinda Hai fight,Tiger Zinda Hai girls,Tiger Zinda Hai poster,Tiger Zinda Hai full movie online youtube,Tiger Zinda Hai telugu movie,Tiger Zinda Hai tamil songs,Tiger Zinda Hai cast,Tiger Zinda Hai full movie hd hindi,Tiger Zinda Hai hindi movie,Tiger Zinda Hai hindi movies,Tiger Zinda Hai full movie youtube online in hindi,Tiger Zinda Hai mp3 song downloading,Tiger Zinda Hai full film,Tiger Zinda Hai song,Tiger Zinda Hai hindi picture,Tiger Zinda Hai sets,Tiger Zinda Hai mp3 songs downloading,online movies Tiger Zinda Hai,Tiger Zinda Hai movie,Tiger Zinda Hai movie in tamil,Tiger Zinda Hai tamil padam,Tiger Zinda Hai full movie watch online,wach online movie Tiger Zinda Hai,Tiger Zinda Hai movie full hd,Tiger Zinda Hai telugu songs,hindi song Tiger Zinda Hai,Tiger Zinda Hai movie in telugu,Tiger Zinda Hai hindi,Tiger Zinda Hai beginning,Tiger Zinda Hai hindi video,Tiger Zinda Hai full movie in hindi hd 1080p,Tiger Zinda Hai songs downloading,Tiger Zinda Hai cinema video,Tiger Zinda Hai telugu movie cinema,Tiger Zinda Hai film video,Tiger Zinda Hai first day collection,Tiger Zinda Hai casting,Tiger Zinda Hai Tiger Zinda Hai song,Tiger Zinda Hai film full movie,Tiger Zinda Hai tamil,Tiger Zinda Hai box office,Tiger Zinda Hai hindi songs,Tiger Zinda Hai tamil movie,Tiger Zinda Hai scene,wach online Tiger Zinda Hai,Tiger Zinda Hai film video mein,Tiger Zinda Hai full movie watch online dailymotion,Tiger Zinda Hai song Tiger Zinda Hai song,Tiger Zinda Hai movie songs downloading,Tiger Zinda Hai film song,Tiger Zinda Hai film hindi,hindi film Tiger Zinda Hai,Tiger Zinda Hai songs,hindi movie Tiger Zinda Hai,Tiger Zinda Hai hd video,Tiger Zinda Hai tamil movie downloading,Tiger Zinda Hai video,Tiger Zinda Hai story,Tiger Zinda Hai full hd movie,Tiger Zinda Hai movie downloading,Tiger Zinda Hai movie song,Tiger Zinda Hai songs list a to z,Tiger Zinda Hai mp3 song,Tiger Zinda Hai imdb,Tiger Zinda Hai movie youtube,Tiger Zinda Hai full movie hotstar,Tiger Zinda Hai downloading,Tiger Zinda Hai movie online hotstar,Tiger Zinda Hai telugu cinema,Tiger Zinda Hai video song,Tiger Zinda Hai full movie youtube online,Tiger Zinda Hai film Tiger Zinda Hai film,Tiger Zinda Hai picture movie

  22. Avatar
    sildenafil viagra side effects says:

    Aw, this was an actually great post. In suggestion I would love to put in composing similar to this furthermore? taking some time and also real initiative to make a very good article? yet what can I state? I hesitate alot and also never appear to get something done.

  23. Avatar
    jonathan manzi says:

    Its such as you learn my mind! You appear to know a lot about this, like you wrote the ebook in it or something. I believe that you can do with a few percent to force the message house a bit, however other than that, this is wonderful blog. A fantastic read. I’ll definitely be back.

  24. Avatar
    tiktok takipçi hilesi says:

    certainly like your website but you have to check the spelling on quite a few of your posts. Many of them are rife with spelling issues and I find it very bothersome to inform the reality however I will definitely come back again.

  25. Avatar
    Hassanghws says:

    Howdy just wanted to give you a quick heads up. The words in your article seem to be running off the screen in Safari. I’m not sure if this is a format issue or something to do with web browser compatibility but I figured I’d post to let you know. The design and style look great though! Hope you get the issue resolved soon. Kudos

  26. Avatar
    my response Powerdot muscle stimulator says:

    I wish to get across my respect for your generosity supporting individuals that actually need help on this important question. Your very own commitment to passing the message up and down became surprisingly advantageous and have always made associates just like me to realize their goals. Your warm and helpful facts denotes much a person like me and additionally to my peers. Thanks a lot; from each one of us.

  27. Avatar
    navigate here Powerdot 2.0 review says:

    Do you mind if I quote a few of your articles as long as I provide credit and sources back to your blog? My blog site is in the exact same area of interest as yours and my visitors would really benefit from a lot of the information you provide here. Please let me know if this ok with you. Many thanks!

  28. Avatar
    Dorrisvgvf says:

    It’s perfect time to make some plans for the longer term and it’s time to be happy. I have learn this submit and if I could I desire to recommend you some fascinating things or suggestions. Perhaps you can write subsequent articles regarding this article. I desire to learn even more issues about it!

  29. Avatar
    viagra sildenafil generic says:

    I was very pleased to locate this web-site. I intended to many thanks for your time for this fantastic read!! I definitely enjoying every little of it and I have you bookmarked to take a look at brand-new stuff you post.

  30. Avatar
    my site Reflexcard.com login says:

    I truly wanted to develop a message in order to appreciate you for all the unique steps you are giving out on this website. My considerable internet research has at the end been recognized with good quality content to go over with my family and friends. I would declare that most of us readers are unquestionably fortunate to be in a very good website with very many awesome people with beneficial points. I feel pretty grateful to have encountered your entire webpage and look forward to tons of more fabulous moments reading here. Thanks a lot again for all the details.

  31. Avatar
    para que es el sildenafil says:

    Youre so trendy! I don’t mean Ive check out anything like this prior to. So great to find somebody with some initial ideas on this subject. realy thank you for beginning this up. this web site is something that is needed online, someone with a little creativity. beneficial job for bringing something brand-new to the net!

  32. Avatar
    write my essay says:

    I not to mention my guys have been examining the excellent key points found on your web site and then the sudden I got a terrible feeling I never thanked you for those tips. My women were definitely totally stimulated to learn all of them and already have sincerely been taking advantage of them. Many thanks for turning out to be indeed thoughtful and then for getting this sort of perfect resources millions of individuals are really desperate to know about. My very own honest apologies for not saying thanks to earlier.

  33. Avatar
    tr forum says:

    Whats Going down i’m new to this, I stumbled upon this I’ve discovered It absolutely useful and it has helped me out loads. I am hoping to give a contribution & help different customers like its helped me. Good job.

  34. Avatar
    Essay help says:

    Very nice post. I just stumbled upon your blog and wanted to say that I have truly enjoyed browsing your blog posts. In any case I will be subscribing to your feed and I hope you write again very soon!

  35. Avatar
    clomid 25mg says:

    And constancy where to reintroduce and jaundice most pro tarsi [url=http://clomidusy.com/]order au clomid[/url] Suggests) within till repair is an contagious one-time deprivation.

  36. Avatar
    build website course says:

    hi!,I really like your writing very so much! percentage we keep up a correspondence extra approximately your article on AOL? I need a specialist on this house to solve my problem. May be that’s you! Taking a look ahead to peer you.

  37. Avatar
    Tannerixnd says:

    Hello, Neat post. There’s an issue along with your web site in web explorer, would check this? IE nonetheless is the marketplace chief and a big section of folks will leave out your excellent writing because of this problem.

  38. Avatar
    Pique Tea coupons says:

    Thank you a lot for sharing this with all people you really understand what you are talking approximately! Bookmarked. Please also talk over with my website =). We will have a hyperlink alternate contract between us!

  39. Avatar
    cbd oil for sale in midland texas says:

    Youre so awesome! I do not mean Ive check out anything like this prior to. So nice to locate someone with some original ideas on this subject. realy thank you for starting this up. this web site is something that is needed on the internet, a person with a little originality. valuable job for bringing something new to the internet!

  40. Avatar
    Reyesmtno says:

    I’m really impressed with your writing skills as well as with the layout on your weblog. Is this a paid theme or did you customize it yourself? Anyway keep up the excellent quality writing, it is rare to see a nice blog like this one today.

  41. Avatar
    Kamihlqo says:

    how many viagra can you take at once i’m 70
    [url=https://www.v1agrabuy.com/#]canadian pharmacy king[/url]
    what happens when you take viagra but dont have ed

  42. Avatar
    Fabiolaaboj says:

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

  43. Avatar
    Neckology massager says:

    Woah! I’m really loving the template/theme of this site. It’s simple, yet effective. A lot of times it’s very difficult to get that “perfect balance” between user friendliness and visual appeal. I must say that you’ve done a great job with this. Also, the blog loads super quick for me on Firefox. Outstanding Blog!

  44. Avatar
    try here says:

    Hi! Someone in my Myspace group shared this site with us so I came to check it out. I’m definitely loving the information. I’m bookmarking and will be tweeting this to my followers! Great blog and great design and style.

  45. Avatar
    Bondage Paddles says:

    Heya just wanted to give you a brief heads up and let you know a few of the pictures aren’t loading correctly. I’m not sure why but I think its a linking issue. I’ve tried it in two different browsers and both show the same results.

  46. Avatar
    Neckology coupon says:

    Please let me know if you’re looking for a article author for your site. You have some really great articles 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 material for your blog in exchange for a link back to mine. Please send me an e-mail if interested. Kudos!

  47. Avatar
    old father says:

    You still searching good porn? Can’t you find that? The best free porn pervert tube ever is Xpervs.com, is there porn for pervert persons, very exciting porn videos and obviously exciting hot sex with teens. Take a look at this site! Is totally free and without irritating ads(popups and other popunders

  48. Avatar
    Red says:

    An added important component is that if you are a senior citizen, travel insurance with regard to pensioners is something you should make sure you really contemplate. The older you are, a lot more at risk you are for having something bad happen to you while in another country. If you are never covered by some comprehensive insurance plan, you could have a few serious issues. Thanks for revealing your good tips on this weblog.

  49. Avatar
    href="https://bedrichdvorak.blog.idnes.cz/redir.aspx?url=https://uploadea.com/">uploadea says:

    Simple & Powerful Uploadea is Amazingly easy to Use where to Store Your Data & Save Your Countless Time

  50. Avatar
    Neckology review says:

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

  51. Avatar
    zithromax sale says:

    nor has the non-presence to prune exacerbations with essential acid. [url=http://zithromaximum.com/]buy sale zithromax usa[/url] to buy but ordered on the unsuitable of more

  52. Avatar
    buy lasix 40mg says:

    (threefold being generic viagra online apothecary differentiation): Cavity cautious oncology [url=http://lasixweb.com/]buy au lasix online[/url] as the Retaking Span of Cases of Active corporeal restrictions.

  53. Avatar
    best site says:

    What i do not realize is if truth be told how you’re now not really much more smartly-appreciated than you might be right now. You’re very intelligent. You already know therefore considerably when it comes to this matter, produced me in my opinion consider it from a lot of various angles. Its like women and men don’t seem to be interested except it¡¦s something to do with Lady gaga! Your individual stuffs outstanding. At all times take care of it up!

  54. Avatar
    Malik Luoto says:

    After research study a few of the article on your web site currently, and I truly like your method of blogging. I bookmarked it to my bookmark internet site list and will certainly be examining back soon. Pls look into my web site also and let me know what you assume.

  55. Avatar
    Read the Full Content says:

    Have you ever considered publishing an ebook or guest authoring on other sites? I have a blog based upon on the same topics you discuss and would really like to have you share some stories/information. I know my visitors would appreciate your work. If you’re even remotely interested, feel free to shoot me an e-mail.

  56. Avatar
    free beat says:

    Great work! This is the type of info that should be shared around the internet. Shame on the search engines for not positioning this post higher! Come on over and visit my web site . Thanks =)

  57. Avatar
    canvas prints says:

    Hey, you used to write great, but the last few posts have been kinda boring… I miss your tremendous writings. Past few posts are just a little bit out of track! come on!

  58. Avatar
    site link says:

    Very nice post. I just stumbled upon your blog and wanted to say that I’ve really enjoyed browsing your blog posts. In any case I’ll be subscribing to your rss feed and I hope you write again very soon!

  59. Avatar
    Digital Risk says:

    Arx Nimbus’ Thrivaca Risk Analytics Platform provides the first financially-relevant Digital Risk Profile for the enterprise, underwriters and brokers. Using a patented algorithm developed in collaboration with leading universities, the DoD and federal regulators, Thrivaca consolidates industry historical analysis, your latest analyses and assessments, proprietary vulnerability scans, audit data and actuarial mathematics to produce a complete and detailed valuation of enterprise-wide digital risk, and the top sources of current carrying cost.

  60. Avatar
    latex mask says:

    Parties can be challenging to put together. Especially during the Halloween season. So how can you make the perfect party no matter the season or your theme?

  61. Avatar
    Antonina Grappo says:

    I found your blog website on google and verify a couple of of your early posts. Continue to maintain up the very good operate. I simply further up your RSS feed to my MSN Information Reader. Looking for forward to studying more from you in a while!? I am typically to blogging and i actually respect your content. The article has really peaks my interest. I’m going to bookmark your website and keep checking for brand spanking new information.

  62. Avatar
    important source says:

    I’ve been exploring for a bit for any high-quality articles or blog posts on this sort of area . Exploring in Yahoo I at last stumbled upon this web site. Reading this info So i am happy to convey that I have an incredibly good uncanny feeling I discovered exactly what I needed. I most certainly will make certain to do not forget this web site and give it a glance on a constant basis.

  63. Avatar
    Lizbethsiye says:

    I’ve been surfing on-line greater than 3 hours today, but I by no means found any fascinating article like yours. It is beautiful price sufficient for me. In my view, if all webmasters and bloggers made good content material as you did, the web shall be a lot more useful than ever before.

  64. Avatar
    CalMet says:

    Hrcnxd fpauyo generic com online reviews [url=http://clomidpal.com/]cheap usa clomid online[/url] anion of colonic sore centre of animal and higher levels.

  65. Avatar
    Johannavhqi says:

    I am extremely inspired along with your writing abilities as neatly as with the format for your blog. Is that this a paid topic or did you customize it your self? Either way stay up the excellent high quality writing, it is rare to look a nice weblog like this one today..

  66. Avatar
    Merry Rubow says:

    The tips you provided here are extremely precious. It turned out this sort of pleasurable surprise to acquire that watching for me after i awakened today. There’re constantly to the point and to comprehend. Thanks a ton to the valuable ideas you’ve got shared here.

  67. Avatar
    Rebbeccaifsi says:

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

  68. Avatar
    HarryKal says:

    than the prospect can other a testy well-rounded thickness tissue. [url=http://viagracia.com/]viagra without a prescription[/url] the fixed pulmonary that you have a completely severe using.

  69. Avatar
    official source says:

    Wow! This can be one particular of the most beneficial blogs We have ever arrive across on this subject. Basically Excellent. I’m also an expert in this topic so I can understand your hard work.

  70. Avatar
    Earrings says:

    hey there and thank you for your information – I have definitely picked up something new from right here. I did however expertise several technical issues using this site, as I experienced to reload the web site a lot of times previous to I could get it to load properly. I had been wondering if your hosting is OK? Not that I’m complaining, but slow loading instances times will often affect your placement in google and could damage your quality score if ads and marketing with Adwords. Anyway I’m adding this RSS to my email and could look out for a lot more of your respective interesting content. Make sure you update this again very soon..

  71. Avatar
    schilderwerken says:

    This is very interesting, You are a very skilled blogger. I’ve joined your feed and look forward to seeking more of your fantastic post. Also, I’ve shared your web site in my social networks!

  72. Avatar
    FOX Mountain Bike Shorts says:

    hey there and thank you for your information – I have definitely picked up anything new from right here. I did however expertise a few technical issues using this site, since I experienced to reload the website many times previous to I could get it to load properly. I had been wondering if your hosting is OK? Not that I am complaining, but slow loading instances times will sometimes affect your placement in google and could damage your quality score if advertising and marketing with Adwords. Well I’m adding this RSS to my e-mail and can look out for much more of your respective fascinating content. Ensure that you update this again soon..

  73. Avatar
    THRONE CYCLES Bikes says:

    Most of the things you say is supprisingly appropriate and it makes me wonder why I had not looked at this in this light previously. This article really did switch the light on for me as far as this specific topic goes. Nonetheless there is one position I am not necessarily too cozy with so while I make an effort to reconcile that with the actual central idea of the position, allow me observe what all the rest of your readers have to point out.Very well done.

  74. Avatar
    Berniebkmz says:

    I’m really inspired together with your writing skills as neatly as with the layout for your weblog. Is this a paid subject or did you modify it your self? Either way stay up the nice high quality writing, it’s rare to look a nice blog like this one today..

  75. Avatar
    AEncaxep says:

    2020 design software graphics card [url=http://buyautocad.design/#]buy autocad[/url] what office software do you have experience with. software new grad 2020 [url=http://www.hanmaeum21.or.kr/technote/read.cgi?board=John&y_number=51705&nnew=2]software development 2020 b[/url] 8fae92f software radeon 2020, office software for macbook. oppo a9 2020 software download, 2020 design software contact number buy autocad 2020 software time office z305 software. wezone 8009 software download 2020 office suite for mac free download, antivirus software 2020 best.

  76. Avatar
    AVS Video Editor activation key says:

    Just want to say your article is as surprising. The clarity in your post is simply cool and i can assume you are an expert on this subject. Fine with your permission let me to grab your feed to keep updated with forthcoming post. Thanks a million and please keep up the rewarding work.

  77. Avatar
    sobriety says:

    Get help to stop drinking. Helping women quit drinking alcohol. Coach Mary Wagstaff. Feel better, mind, body and soul. Mindfulness based coaching and alcohol recovery. Yoga for recovery.

  78. Avatar
    Stop drinking says:

    Get help to stop drinking. Helping women quit drinking alcohol. Coach Mary Wagstaff. Feel better, mind, body and soul. Mindfulness based coaching and alcohol recovery. Yoga for recovery.

  79. Avatar
    silver spring hookah lounge says:

    What i do not realize is actually how you are now not really much more smartly-liked than you may be right now. You are so intelligent. You recognize therefore considerably in relation to this matter, produced me for my part consider it from a lot of various angles. Its like women and men don’t seem to be involved except it is something to do with Woman gaga! Your own stuffs excellent. Always take care of it up!

  80. Avatar
    Mary says:

    Does your site have a contact page? I’m having a tough time locating it but, I’d like to send you an email. I’ve got some creative ideas for your blog you might be interested in hearing. Either way, great website and I look forward to seeing it improve over time.

  81. Avatar
    hemp bombs cbd safe for dogs says:

    There are absolutely a lot of details like that to consider. That is a terrific point to bring up. I use the thoughts over as general ideas however plainly there are concerns like the one you bring up where the most vital point will be working in honest good faith. I don?t understand if ideal techniques have arised around things like that, yet I make certain that your task is plainly recognized as a fair game. Both children and also women really feel the influence of just a moment?s satisfaction, for the rest of their lives.

  82. Avatar
    MelviCaurn says:

    Many thanks. Loads of content.
    canadian pharmaceuticals online safe [url=https://rxpharmacymsn.com/]canadian online pharmacy reviews[/url] canada viagra

  83. Avatar
    Atauttbob says:

    unsecured loan default consequences kenya i need loan for business [url=https://ineedloan.me/#]need loan[/url] unsecured loans in llp. short term unsecured loans for bad credit unsecured loans central bank, get loan now direct deposit. unsecured loan low rate [url=http://www.tdedchangair.com/webboard/viewtopic.php?f=2&t=180493]unsecured loan calculator[/url] 2d88fae no credit check loans online instant approval nz, loan today bad credit direct lender, unsecured loans interest rates. get auto loan quotes make a student loan payment, unsecured loans in nigeria online title loans no credit check in louisiana. how can i get a quick cash loan quick loans poor credit, need financial help urgently personal loans dallas tx.

  84. Avatar
    Merimart says:

    what strenght does viagra come in
    [url=https://vae.me/jOYZ#]buy cialis online[/url]
    where can buy liquid ginseng sold in dominican republic that similar effects of viagra

  85. Avatar
    best cbd for pain says:

    When I originally commented I clicked the -Alert me when brand-new comments are added- checkbox and currently each time a remark is added I get 4 e-mails with the same remark. Is there any way you can eliminate me from that solution? Many thanks!

  86. Avatar
    ANobreDek says:

    antiviral drugs otc does antiviral kill viruses Lopinavir ritonavir antiviral drug definition for dummies. what does antiviral medication do, antiviral medication for flu nz. doctors look to existing Drugs Covid 2020 [url=http://bankolethompson.com/?p=1715#comment-2825473]antiviral drugs for flu uk gamma[/url] 431a4a2 , what is antiviral drug for herpes [url=http://coronaviruscure.me/#]coronavirus cure[/url] does yeast infection treatment cause bleeding [url=https://rencebeats.com/about/comment-page-9314/#comment-1225264]a antiviral drug definition treat[/url].

  87. Avatar
    ADypetoit says:

    how can i get a loan right now with bad credit personal loans july 2020. get a loan with bad credit online i need loan to start the business [url=https://ineedloan.me/#]i need loan[/url] get approved for personal loan today. i need financial help to move give me a loan format, getting a home loan new job. getting a secured loan [url=http://www.szjarch.cn/Tools/Comment.aspx?mark=product]personal loans zambia[/url] d62ea53 get loan online nigeria, payday loans online no credit check direct lender, unsecured home improvement loan hmda reportable. are unsecured loans bad for your credit unsecured loans in hindi, get a tax loan today apply for a student loan bc. unsecured business loans for self employed i need financial help to move, quick loans legit quick and easy online loans with no credit check.

  88. Avatar
    www.wisig.org says:

    Greetings from Florida! I’m bored to death
    at work so I decided to check out your blog on my iphone
    during lunch break. I really like the knowledge you provide here and can’t wait to take a look when I get home.
    I’m surprised at how quick your blog loaded on my
    cell phone .. I’m not even using WIFI, just 3G .. Anyways, excellent blog! https://www.wisig.org/

  89. Avatar
    Catheyctol says:

    Hello, i think that i saw you visited my website so i came to “return the favor”.I’m trying to find things to enhance my website!I suppose its ok to use a few of your ideas!!

  90. Avatar
    have a peek here says:

    Hey there would you mind stating which blog platform you’re working with? I’m going to start my own blog in the near future but I’m having a hard time making a decision between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your layout seems different then most blogs and I’m looking for something completely unique. P.S Sorry for getting off-topic but I had to ask!

  91. Avatar
    Jamestok says:

    your caregiver or later those there the legumes youШ°ВІre kemp [url=https://ciamedusa.com/]cialis super active[/url] of Pyridoxine’s canada drugs online survey deficiency is Ш° ر—cialis online.

  92. Avatar
    Jamestok says:

    have mutations for up to a week after the underlying. [url=https://ciamedusa.com/]cheap cialis online canadian pharmacy[/url] Comment: Xerosis a crave of questionsР Р†open reiterate and right endedР Р†that.

  93. Avatar
    AuselVib says:

    office application software free download [url=http://buyautocad.design/#]Autocad coupon[/url] data recovery software for pc 2020. software programs for office suite [url=http://secretcinema.no/skytech/showthread.php?tid=13846&pid=769680#pid769680]autocad architecture 2020 software C[/url] 42d88fa virtual office software free, office software free download for pc. office software requirements, office suite free software radeon software adrenalin 2020 edition crash smart office software free download. 2020 software training hp officejet pro 7740 software for mac, super software 2020 unlock icloud.

  94. Avatar
    Bernadinexdci says:

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

  95. Avatar
    Web Site says:

    Thanks for a marvelous posting! I actually enjoyed reading it, you are a great author.I will ensure that I bookmark your blog and will come back at some point. I want to encourage continue your great writing, have a nice holiday weekend!

  96. Avatar
    APofAffed says:

    antiviral drug for flu what is a antiviral drug online farmacia comprar viagra sin receta [url=https://www.comprarviagra.uno/#]viagra sin receta[/url] antiviral medications for coronavirus. antiviral treatment in flu [url=http://www.szjarch.cn/Tools/Comment.aspx?mark=product]epidemiologist and assistant professor at Harvard School 2019[/url] ea53431 , antiviral drugs for flu uk. best antiviral medicine for flu, dosage of antiviral meds for shingles. Online farmacia la viagra sin receta the antiviral drug tamiflu, what does a antiviral drug do. treat coronavirus symptoms, an ideal antiviral drug would be one that is staph infection treatment. Online farmacia comprar tadalafil site is yeast infection treatment, antiviral for the flu. antiviral medication for flu virus, do antivirals help shingles how antiviral drugs kill viruses.