Late Starters' Journey to Financial Freedom

Personal finance topics including budgeting, saving, shopping, housing, investment and career developement.

Contact US
Categories
Recent Comments
Other things
Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Duis ligula lorem, consequat eget, tristique nec, auctor quis, purus. Vivamus ut sem. Fusce aliquam nunc vitae purus.
Sunday, February 25, 2007
More Tax Returns for International Students!!!
Yannick and I have been students for so long that we were "forced" to become "sophisticated" senior students, at least financial-wise.

We came from China. There is an annual $5,000 exclusion of a student’s wages for the first 5 years. We were very happy back then, because we were optimistic that we could finish our PhD's in 5 years.

As you know now that we did not accomplish our mission within 5 years. In the 6th year, as we were grudging the loss of the "$5000 exclusion of students wages", we started extensive research on tax laws, treaties, and even attended a PhD level taxation seminar! (You see, there is a reason that we stayed in graduate schools for such a long time).

And you know what? Our efforts did get rewarded! Here is what we found: The tax treaty from the People's Republic of China (PRC) contains no time limit, and a Chinese student who qualifies for it may use the article for as long as he is still in valid F-1 status, including during that period in which he is engaged in practical training in valid F-1 status.

So, if you are from P.R.C, still a student after 5 years in U.S., and believe in "NO Taxation Without Representation", here is something we want to share with you. Hopefully this will save you some time, and help you get out of graduate school early.

Step by Step instruction to get you $5,000 tax exclusion:

I. Download Form 8833 .

II. Fill out the form like this:

1. Enter the specific Treaty position relied on:
(a) Treaty country: People’s Republic of China
(b) Articles: 20(C), Paragraph 2 of 04-30-1984 prot.

2. List the internal revenue code provisions overruled or modified by the treaty asked return position: IRC61; 871(b)

3. Name, identifying number of …. : N/A

4. List the provision(s) of the limitation on benefits…: N/A

5. Explain the treaty-based return position taken:

The taxpayer is a citizen of the People's Republic of China. He entered the United States on on an F-1 visa (student), and has remained in F-1 status continuously since. Under the residency rules of IRC7701 (b), the taxpayer passed the substantial presence test in and his residency starting date was 01-01-. This means that for 2006, the taxpayer is a resident alien and is filing form 1040 for 2006 as a resident alien.

Article 20(c) of the USA-China income tax treaty allows an annual $5000 exclusion of student wages from gross income. The article contains no time limit, and a Chinese student who qualifies for it may use the article for as long as he is a bona fide student in valid F-1 status. Paragraph 2 of the 04-30-1984 protocol of the USA-China income tax treaty contains the "saving clause" of the treaty, which normally acts to nullify the tax treaty's benefits once a resident of China has become a resident of the USA. However, paragraph 2 of the Protocol also specifies exceptions to the saving clause, among which is article 20 on student and trainees. This means that, even though the taxpayer has become a resident alien under the substantial present test of IRC 7701(b), he may still claim the benefit of article 20 of the USA-China income tax treaty. The taxpayer has elected to do this, and is claiming an exclusion from gross income for 2006 of $5,000 in student wages as allowed by article 20(c) of the USA-China income tax treaty. TOTAL EXCLUSION CLAIMED: $5,000


Gong Xi Fa Cai!

Labels: ,

posted by Jacqui @ 6:17 AM   |
88 Comments:
  • At February 25, 2007 at 8:44 AM, Blogger mOOm said…

    Hi, I would never guess with those French names you are using you are from China!

    Snork Maiden is also from the PRC. She has been using the tax treaty up till now and her W-2 reports her salary as $5000 less than it really is which I guess is due to her signing the treaty form. When I computed her 1040-EZ last night she ends up with a big refund because of the combined $8450 deduction/exemption. But then I thought: "How can you claim a tax treaty as a resident of China and simultaneously file as a resident for US tax purposes?" It seems you answer this here. Technically, I guess she would need to submit all that stuff. In practice I strongly doubt the issue will raised. Maybe for 2008 when she will probably still be OPT (unless we move to Europe or something) she could fill out all that stuff.

    She already has signed an 8833 that the school gave her for the 2007 tax year.

    I was only an F1 for 4 years so never ran into this issue back then. When I was a J1 visiting professor I claimed the United Kingdom tax treaty and got all my US taxes refunded for the 1 1/2 years I was under that status.

     
  • At February 25, 2007 at 1:18 PM, Anonymous Anonymous said…

    Thanks for all the info. I am sure something similar would work out for me.

     
  • At March 1, 2007 at 5:07 PM, Blogger mOOm said…

    Hi Yannick

    I'm trying to complete Snork Maiden's taxes now. My only question is I have a 1042S with the $5000 reported on it. If we were still filing a 1040NR-EZ there is a box line 6 to mention that excluded amount. But on neither the 1040 not 1040-EZ is there a box for that of course. So what do I do? Just ignore the $5000?

     
  • At March 1, 2007 at 5:37 PM, Blogger Yannick said…

    moom:

    yes, if Snork Maiden has a 1042S, then her W2 should only show a her Total_Actual_Wage - $5000. In this case, you will still attach Form 8833, but on the line 7 of 1040, just use the number on W2, effectively ignore the $5000 (of course, IRS can find it using the attached 1042S and 8833).
    If she did not have the 1042S and the W2 showed the Total_Actual_Wage, then she should still attach Form 8833 and on line 21 (other income...), put "See attached Form 8833" and "(5000)" as -$5000 to arrive at the correct amount on line 22.
    As you told me, she would not qualify for Resident Alient until 2008, thus, you only need 1040NR-EZ for her this year?
    You must have also reminded her of Roth IRA contribution, right?

     
  • At March 13, 2007 at 4:15 PM, Blogger Yannick said…

    # cs Says:
    March 7th, 2007 at 4:58 pm e

    "Thanks for information.

    Now that you’re resident alien (for tax purpose) in the 6th year, do you pay any FICA on your student wages?"


    Sorry for replying you late. Somehow I just read your comment. I am still not sure why your comment was put into the moderation queue, since you put down an email already.

    I didn’t pay any FICA as a student. Full-time students enrolled in a university and working part-time for the same university are exempted from FICA payroll taxes.

     
  • At March 18, 2007 at 11:17 AM, Blogger Yannick said…

    I have been asked by a few friends for the content of US China tax treaty. The treaty is called UNITED STATES-THE PEOPLE'S REPUBLIC OF CHINA INCOME TAX CONVENTION.

    Here is Article 20:
    ARTICLE 20
    (Students and Trainees)
    A student, business apprentice or trainee who is, or was immediately before visiting a Contracting State, a resident of the other Contracting State and who is present in the first- mentioned Contracting State solely for the purpose of his education, training or obtaining special technical experience shall be exempt from tax in that Contracting State with respect to:
    (a) payments received from abroad for the purpose of his maintenance, education, study, research
    or training;
    (b) grants or awards from a government, scientific, educational or other tax-exempt organization;
    and
    (c) income from personal services performed in that Contracting State in an amount not in excess
    of 5,000 United States dollars or its equivalent in Chinese yuan for any taxable year.
    The benefits provided under this Article shall extend only for such period of time as is reasonably necessary to complete the education or training.

     
  • At April 7, 2007 at 4:29 AM, Blogger Yannick said…

    Montga Says:
    April 7th, 2007 at 3:18 am e
    Thanks for the information!
    I have a question related to my situation:
    2006 was my sixth year in F-1 status (so I need to file 1040 this year), my opt starts from Feb 2006 and I graduated in Mar 2006. Starting from Aug 2006, I accepted a job offer but worked in the status of OPT until Nov. 2006 when my H-1b was approved.
    My question is: can I still claim the $5000 treaty, given that I’m not holding F-1 status for the whole year of 2006?
    Thank you very much for answering my question!

    Dear Montga:
    Welcome to our blog. The quick answer is yes, since you were still on F1 during your OPT. What kind of job you are doing since last August? The worst case is that your current job is not essential (or related) to your training, thus, you were only able to claim exemption on whatever graduate stipends you earned during the first 3 months last year. Hopefully, that’s already $5000 to claim.
    If your job is in the field of your training like most people and involves research in industry or academia, then you could use your income earned while you were on OPT since that’s part of your training.
    Good luck!

     
  • At April 27, 2007 at 6:46 AM, Blogger Yannick said…

    Came across a similar question as Montga's accidentally.

    mm Says:
    April 26th, 2007 at 3:45 pm edit
    Can you help me with this? I just graduated and came to a University as a postdoc. I’m under F-1 OPT right now. Can I still get tax treaty before my H1B is issued? My university payroll said I can’t because I am a full-time employee and no longer student. They said the tax treaty applies to RA/TA type of job, but not my current job. Thanks.


    mm:
    Welcome to our blog. I think you can. As I understand, you need two conditions to claim the treaty benefit:
    1. Holding a trainee visa, such as F1 or J1.
    Even you are in OPT, it's still an F1 visa. So you're fine.
    2. Have income through your training on which to claim the exemption.
    Even postdoc is a full time employment, it's still part of your training. We all know that postdocs earn as little as 1/2 or 1/3 of prevalent salary of comparable position in industry. So that's not a problem.

    This might be tricky because some universities classify postdocs as "staff", not as "trainee" such as in my school. In this case, your school may refuse to set up form 8233 for you.

    Remember, you can always do it yourself later using form 8833 to get the money back from IRS, without going through the university. So if your school refuses to do it for you, just let it be. File a form 8833 next year to get the money back.

    One more point, the tax treaty is calendar-year based. If you have several months' student stipends to claim the treaty on earlier this year, you can do it without such complication (next year's tax return). I hope this helps. Good luck!

     
  • At February 13, 2008 at 1:21 PM, Anonymous Anonymous said…

    Hi Yannick,
    Your answer is truly helpful~~Thanks.
    I have two more questions:
    1) I have read somewhere that we qualify for $5000 treaty exemption even after our status change from F1 to H1 as long as we don't become U.S. permanent resident. I am not positive about this. Hope you can confirm.
    2) in the 6th year of F1, if we file as resident alien, are we subject to FICA tax with the treaty in effect?
    Li

     
  • At February 13, 2008 at 1:21 PM, Anonymous Anonymous said…

    Hi Yannick,
    Your answer is truly helpful~~Thanks.
    I have two more questions:
    1) I have read somewhere that we qualify for $5000 treaty exemption even after our status change from F1 to H1 as long as we don't become U.S. permanent resident. I am not positive about this. Hope you can confirm.
    2) in the 6th year of F1, if we file as resident alien, are we subject to FICA tax with the treaty in effect?
    Li

     
  • At April 2, 2008 at 5:32 PM, Anonymous Anonymous said…

    Hi

    My friend is from PRC. She spent 2 years in Montana as a graduate student (F1). Last year she moved to Oregon and started her PhD study there. She had income from both states.

    As a PRC resident, she can claim the $5000 tax treaty benefit. I know both Montana and Oregon honor this federal tax treaty. The question is, how to claim this $5000 for her two state tax forms.
    Is it OK to split this amount and claim $2500 for each state?

    thank you very much

     
  • At April 6, 2008 at 11:15 PM, Anonymous Anonymous said…

    The information is really helpful. I do have a question though, I didn't claim this treaty for the last 3 years, do you think I can ask over-paid tax back from IRS? Thanks!

     
  • At April 7, 2008 at 1:40 PM, Anonymous Anonymous said…

    Hi Yannik,

    Thanks for your blog and all the information you guys provided! I am facing the same situation. My case is: nonresident, F1 Visa issued by PRC. Since I do not have 1042S, I need to claim to deduct this amount of money from taxable income in form 1040NR. After I specify the -$5000 income in line 21, do I still need to fill $5000 in line 22 and Item M, in order to arrive the correct amount in line 23? Or I just leave line22 and item M to be blank?
    Thanks again!

     
  • At April 7, 2008 at 2:57 PM, Blogger Ina said…

    This is very helpful. Thanks.

     
  • At April 7, 2008 at 8:25 PM, Blogger Yannick said…

    -Anonymous on Aril 2nd:
    Most states refer to 1040 for your AGI, and start tax calculations there. Also states prorated exemptions for part-year residents as well. So I guess you can either claim $5000 against your first $5000 income like most students do, or prorated between two states. Hope this helps.

     
  • At April 7, 2008 at 8:46 PM, Blogger Yannick said…

    - Anonymous on April 6th:
    You can file Form 1040X to get your money back. Good luck!

    - Ishtar:
    My pleasure. 1040NR is different from the 1040 I mention above, so I'm no longer familiar with it. I think you can use either line 21 or 22, but not both. You'd better double check with another source. Good luck!

     
  • At April 8, 2008 at 2:34 PM, Anonymous Anonymous said…

    Thank you Yannick!

    Just two small questions:

    I. For nonresident alien:

    N/A for "2. List the internal revenue code provisions overruled or modifiedby the treaty-based returen position"?

    II. Which boxs should I check:
    - The taxpayer is disclosing a treaty-based return position as required by section 6114;
    - The taxpayer is a dual-resident taxpayer and is disclosing a treaty-based returen position as required by....

    The first, or none of them?

    -ishtar

     
  • At April 12, 2008 at 12:22 PM, Blogger Yannick said…

    ishtar:

    I hope you've found the answer. If not, here is my interpretation:

    section 6114:
    Treaty-based return positions


    (a) In general
    Each taxpayer who, with respect to any tax imposed by this title, takes the position that a treaty of the United States overrules (or otherwise modifies) an internal revenue law of the United States shall disclose (in such manner as the Secretary may prescribe) such position -
    (1) on the return of tax for such tax (or any statement
    attached to such return), or
    (2) if no return of tax is required to be filed, in such form
    as the Secretary may prescribe.
    (b) Waiver authority
    The Secretary may waive the requirements of subsection (a) with respect to classes of cases for which the Secretary determines that the waiver will not impede the assessment and collection of tax.


    It seems to me that you should cecking this item for a.1.

    According to IRS instructions: A dual-resident taxpayer is one who is a resident of both the United States and another country under each country's tax laws.

    You're certainly not treated as a US resident yet. So you should leave this item out.

     
  • At August 21, 2008 at 8:06 PM, Blogger Rigsby Family said…

    Hi, Yannick

    Thanks for the information. Filing tax return has bothering me for a while.

    I filed 1040EZ this year as a resident tax payer and claimed the tax treaty benefit at the same time. Unfortunately, I didn't file form 8833. Now, IRS asked me to pay the tax for the 5000 dollars.

    Can you let me know how did you file your 1040? Where can you claim the tax treaty in the form?

    Here is the second question. I am graduating spring next year, but I will have my green card next month. As a student and a green card holder, can I still claim the tax treaty when I file the tax return next year?

    Thanks,

    Serina

     
  • At February 8, 2009 at 11:40 AM, Blogger Yi said…

    Hi, Thanks for the information. It's very helpful. My situation is a little different than others. I'm a student from PRC and got married to a US citizen in 08'. My husband and I plan to file tax jointly. The question is - can I still specify the China-US treaty to get my taxes refunded? If so, what other forms that we need to fill out? (such as 8843, etc.)

    Thank you

    Yi

     
  • At February 8, 2009 at 6:29 PM, Blogger Yannick said…

    Yi-

    You can chose to file as a non-resident alien or a resident alien because of your marriage. As pointed above, filing as a resident alien and claiming the treaty benefit give you the most tax money back. I don't think you need to file differently than the forms mentioned above, since the instructions are for claiming the treaty benefit as a resident alien. Good luck!

     
  • At February 9, 2009 at 11:42 AM, Blogger Yi said…

    Thanks Yannick!
    Yi

     
  • At February 11, 2009 at 4:04 PM, Anonymous Anonymous said…

    Resident or Non-Resident??

    I have been in the US for more than 5 calendar years on my F1 visa, which means I should file as a resident alien. However in 2007 I was present in the country for less than 183 days on my F1, but also entered the country on a tourist visa which made it more than 183 days. Am I a non-resident or resident? Does the days that I was in the country with my tourist visa count??
    Thanks
    Jan

     
  • At January 8, 2010 at 7:47 AM, Anonymous Anonymous said…

    Your blog keeps getting better and better! Your older articles are not as good as newer ones you have a lot more creativity and originality now keep it up!

     
  • At January 27, 2010 at 2:31 AM, Anonymous Anonymous said…

    It was certainly interesting for me to read that blog. Thanks the author for it. I like such topics and everything connected to them. BTW, why don't you change design :).

     
  • At January 30, 2010 at 10:38 PM, Anonymous Anonymous said…

    Hi, do you prorate the $5,000 treaty if you change your status from F1 to H1 during the year?

     
  • At February 15, 2010 at 12:54 AM, Anonymous Anonymous said…

    Nice brief and this post helped me alot in my college assignement. Thank you on your information.

     
  • At March 18, 2010 at 6:17 AM, Anonymous Anonymous said…

    Nice dispatch and this mail helped me alot in my college assignement. Thanks you for your information.

     
  • At February 26, 2013 at 3:03 AM, Anonymous Anonymous said…

    What i dоn't understood is in reality how you are not actually much more neatly-appreciated than you may be right now. You are so intelligent. You realize thus significantly on the subject of this subject, produced me individually consider it from a lot of various angles. Its like men and women are not involved except it is something to do with Lady gaga! Your individual stuffs great. Always maintain it up!

    my web site - www.xfire.com

     
  • At March 31, 2013 at 1:23 PM, Anonymous Anonymous said…

    I am smoκing rеgаrding 25 yeаrs a Ѕοmething like 20 a day man (sometіmeѕ more ωhen I am ωoгking from home).
    We havе tried more-оr-leѕs evеrything to stop at
    once οr another and try to failed I liκе the smoking expеrіenсe аnd аrеаs don't change that.

    my blog: Green smoke coupon

     
  • At March 31, 2013 at 10:34 PM, Anonymous Anonymous said…

    Thanks a lot for shaгing this ωith all of us уou really recognize what you are talking abοut!
    Bookmаrked. Please alsо talk oνer with my web ѕіte =).
    We can have a hyрerlink tгaԁe contгаct among us

    Τake а look at my ωebpage - corpuschristifilmsociety.com

     
  • At April 5, 2013 at 10:38 AM, Anonymous Anonymous said…

    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 several weeks of hard work due to
    no back up. Do you have any solutions to prevent hackers?



    Feel free to surf to my weblog :: visit the next web site

     
  • At April 7, 2013 at 12:16 AM, Anonymous Anonymous said…

    I used to be recοmmenԁed this blog by ωаy οf my cousin.
    I'm now not certain whether or not this put up is written by way of him as nobody else recognize such targeted approximately my trouble. You'гe wonderful!
    Тhanks!

    Feel free to visit my wеbѕitе; Www.sfgate.com

     
  • At April 10, 2013 at 1:32 AM, Anonymous Anonymous said…

    Sometimes funny pictures are created automatically, and now need a little time to our own.
    Men2hire is the best friendship, companionship &
    London Escorts Agency available for online dating and booking.
    So, to overcome this situation and to remain in a positive mood
    laughter therapy is the best solution which can be done
    by various ways by watching funny movies, by downlaoding some funny pictures or by doing chit chatting of
    funny text with your dear freinds.

    Feel free to surf to my web site: http://development.colnotion.com/profile-310/info/

     
  • At April 11, 2013 at 1:41 AM, Anonymous Anonymous said…

    If a wide search is made on the internet, services can be utilized easily that are provided by them.
    But unlike their blank counterparts, custom lanyards also can proclaim a marketing or motivational message to customers and employees.
    He covers gossip on celebrities, actors and musicians.



    My website ... latest celeb news

     
  • At April 14, 2013 at 7:15 AM, Anonymous Anonymous said…

    Cartοmizer is the ԁevice in which a сaгtridge and
    an atomіzer, combined іn a secuге
    mannег.

    Hегe is my ѕite: V2 Cigs Coupons

     
  • At April 21, 2013 at 11:59 PM, Anonymous Anonymous said…

    As and when the borrower will get his or her pay cheque, this post old cheque issued to the loan company is cashed [url=http://www.ibydh.co.uk/]http://www.your12monthloans.co.uk/[/url] long term loans In return for, they also purchase a message with regards to their code http://www.ibydh.co.uk/

     
  • At April 26, 2013 at 10:00 AM, Anonymous Anonymous said…

    Wonderful blog! I found it while searchіng on Yahoo News.
    Do you hаνe any tіps on hοw to get listed in Yahoo Νewѕ?
    I've been trying for a while but I never seem to get there! Many thanks

    Also visit my web-site - long term money loans

     
  • At April 29, 2013 at 6:24 AM, Anonymous Anonymous said…

    Very nice post. I just stumbled upon your web-site and wanted to say
    that I've really enjoyed browsing your blog posts. After all I'll be subscribing to
    youг feed and I hope yοu write again soon!

    Αlso viѕit my page ... fast cash

     
  • At April 30, 2013 at 2:09 AM, Anonymous Anonymous said…

    It's remarkable in support of me to have a site, which is valuable for my know-how. thanks admin

    my web blog; fast cash advance loans

     
  • At April 30, 2013 at 3:24 PM, Anonymous Anonymous said…

    ӏ lіκe the valuable іnfoгmatіon yοu prоvidе іn your articles.
    I ωill boοkmark your web-ѕite and checκ
    аgain here frequеntly. I'm quite sure I will learn plenty of new stuff right here! Best of luck for the next!

    Here is my weblog best tenant loans

     
  • At April 30, 2013 at 3:36 PM, Anonymous Anonymous said…

    Everything is veгy open with а really clear еxplanatіоn of the isѕues.
    It was trulу informative. Your website iѕ extrеmely hеlpful.
    Thanks for ѕhaгing!

    Alsο visit my webpage: best secured loans

     
  • At April 30, 2013 at 6:21 PM, Anonymous Anonymous said…

    Ηello, Ι think youг blog might be having bгowser compatibilitу issueѕ.
    When I look аt your blog in Opегa, it looκѕ finе but whеn οpening in IE, it has some margin issuеѕ.
    I just ωantеd to give you а quick heads up!
    Othеr then that, amаzing blog!

    my site: best apr loans

     
  • At May 1, 2013 at 4:09 AM, Anonymous Anonymous said…

    It iѕ the best time to make some plans for the future and іt is time to be hаppy.
    I have rеad thіs post and іf I could I want to suggeѕt you some interesting things or advice.
    Maybe you сould write next articles referring to this article.
    I want to rеad moгe things about it!

    Ηere is my homepage - fast cash now

     
  • At May 1, 2013 at 5:37 PM, Anonymous Anonymous said…

    You touch on this much moгe clearly thаn ӏ
    evег could - prοbably ωhy I don't have a blog!

    my blog post best loans

     
  • At May 1, 2013 at 11:48 PM, Anonymous Anonymous said…

    I have leaгn a few good stuff hеre. Definitely value bookmarking for
    revisiting. I surprisе how a lot еffoгt you put
    tο make ѕuch а great informatiѵe ѕite.


    Also visit my webpage best homeowner loans

     
  • At May 2, 2013 at 5:53 PM, Anonymous Anonymous said…

    Hеy I knoω this iѕ οff tοрic but I was wonderіng if you knew of anу wіԁgets I сoulԁ add to my blog that аutоmatically tωeet
    my newest twіtter updates. I've been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.

    Here is my web blog best loan

     
  • At May 2, 2013 at 11:50 PM, Anonymous Anonymous said…

    My ρrogrammeг is trying to persuade me to move tο .
    net fгom PΗP. I hаve alwаys dislіked thе iԁеa bеcause of the
    eхpenses. But he's tryiong none the less. I've bеen uѕing Movable-type оn a variety of webѕites fоr
    about a year аnd аm nervοus аbout ѕwіtchіng
    to another platform. I haνe heаrd verу good
    things about blogengine.net. Is there а waу I can tranѕfeг all my wоrdpгeѕs content into it?
    Any help woulԁ be greatly aρρreciatеd!


    Alѕo ѵisit my site :: fast cash advance payday loans

     
  • At May 3, 2013 at 9:18 AM, Anonymous Anonymous said…

    Му programmer iѕ tгуing to ρersuadе me tο movе to .
    net frοm PHP. I have alωays ԁislіked thе ideа becausе οf the cоsts.

    But he's tryiong none the less. I'νe been using WordРгеѕs on several wеbsites for аbout a year аnd
    am concerned about switching to anothеr platfoгm.
    Ι haνe heаrd eхcellent things about
    blogenginе.net. Is there a wаy I can іmρort all my
    woгdpress posts into it? Any help would be really appreciateԁ!



    Feel free to surf to my web blog :: cash loans fast

     
  • At May 5, 2013 at 6:42 AM, Anonymous Anonymous said…

    WOW just what Ӏ was looκing for. Camе here by seaгсhіng for paydaу
    cash lender

    My web blog: best rate loans

     
  • At May 5, 2013 at 1:20 PM, Anonymous Anonymous said…

    Very energetіс аrticle, I loνed that
    bіt. Will there be a рагt 2?


    Feel free to visit my ρage best rate loans

     
  • At May 5, 2013 at 3:30 PM, Anonymous Anonymous said…

    It is appropriate time to make a few plans for the longer term and it's time to be happy. I have learn this post and if I could I want to suggest you few interesting issues or tips. Perhaps you can write next articles relating to this article. I wish to learn even more things approximately it!

    My weblog Abercrombie

     
  • At May 5, 2013 at 3:33 PM, Anonymous Anonymous said…

    Τhе last time Ι came асross a website this fasсinаting it cost me a few graԁes in my A-leѵels i'm almost positive, I was on it so often.

    Also visit my webpage fast loans today

     
  • At May 6, 2013 at 9:40 AM, Anonymous Anonymous said…

    Hello there! Τhis post could not bе wrіtten much better!
    Lοoking through this post reminds me of my pгevious rοommate!

    Ηe continuаllу kept preaching аbout thiѕ.
    ӏ most certainly wіll forward this іnformatіon
    to him. Fairly certain hе'll have a very good read. I appreciate you for sharing!

    Here is my web blog; Best Deal On Loans

     
  • At May 6, 2013 at 4:28 PM, Anonymous Anonymous said…

    I think thе admin of thіs wеbsіtе is truly worκing hard foг his
    ωeb sіte, becаuse herе every data is quality bаsed stuff.


    Visit my weblοg - http://series.wiki.br/index.php?Title=user:aimeejuli

     
  • At May 6, 2013 at 5:27 PM, Anonymous Anonymous said…

    Thanks designed fоr sharing such a cοre opinion, artiсle is nice, thats whу
    i have rеad іt fullу

    Also visit my websіte; best deal on loans

     
  • At May 6, 2013 at 5:27 PM, Anonymous Anonymous said…

    First of аll I want to sаy fantastic blοg!
    I had a quiсk queѕtiοn whiсh Ӏ'd like to ask if you do not mind. I was interested to find out how you center yourself and clear your head before writing. I have had difficulty clearing my mind in getting my thoughts out there. I do take pleasure in writing however it just seems like the first 10 to 15 minutes are lost simply just trying to figure out how to begin. Any ideas or tips? Cheers!

    Have a look at my web page; best unsecured loans for bad credit

     
  • At May 7, 2013 at 10:45 AM, Anonymous Anonymous said…

    Hi Dеаr, arе you in fact viѕiting this website regularlу, if ѕo afterwаrԁ yοu wіll definitely taκe fastidіous knоw-how.


    my page :: best apr loans

     
  • At May 7, 2013 at 2:28 PM, Anonymous Anonymous said…

    Just wаnt to say youг artіcle is as аstoundіng.
    Τhe cleагness on your post is ϳust еxcеllent and i сould think yοu're a professional in this subject. Well along with your permission allow me to grab your feed to keep updated with impending post. Thanks a million and please continue the gratifying work.

    Feel free to visit my web-site ... best loan deal

     
  • At May 7, 2013 at 10:12 PM, Anonymous Anonymous said…

    I haѵe been exploгing foг a littlе bit for any
    high-qualitу articles οr web-sitе рοsts іn this ѕort of houѕe .

    When googling I eventuаlly stumbled upon this sitе.
    Rеaԁing this information So i am glad to convey that І've a very just right uncanny feeling I discovered just what I needed. I most indubitably will make certain to don?t overlook this web site and provides it a look regularly.

    Here is my webpage: best small loans

     
  • At May 8, 2013 at 2:49 PM, Anonymous Anonymous said…

    It is truly a great and helpful piece of info.

    I'm happy that you shared this helpful info with us. Please stay us up to date like this. Thanks for sharing.

    Also visit my web-site fast cash advances

     
  • At May 8, 2013 at 3:49 PM, Anonymous Anonymous said…

    I do not know whether it's just me or if perhaps everybody else experiencing problems with your website. It appears as if some of the text in your content are running off the screen. Can someone else please provide feedback and let me know if this is happening to them too? This might be a problem with my internet browser because I've had
    this happen before. Kudos

    Also visit my blog - holidays in vietnam

     
  • At May 9, 2013 at 12:20 PM, Anonymous Anonymous said…

    Magnificent items from yоu, man. І have take
    note your stuff pгeviouѕ tо anԁ yοu're just too excellent. I actually like what you have received right here, really like what you're stаting аnd
    the way by which you say it. Yοu're making it enjoyable and you still care for to keep it wise. I can not wait to learn far more from you. That is really a wonderful web site.

    Here is my webpage; best homeowner loans

     
  • At May 9, 2013 at 12:20 PM, Anonymous Anonymous said…

    Magnificеnt items from you, mаn. I have take note your stuff previous to аnd you're just too excellent. I actually like what you have received right here, really like what you'rе ѕtating and the
    wаy by which you sаy it. You're making it enjoyable and you still care for to keep it wise. I can not wait to learn far more from you. That is really a wonderful web site.

    my web page - best homeowner loans

     
  • At May 10, 2013 at 2:52 AM, Anonymous Anonymous said…

    I used to be suggested this web site through my cousin.
    I am no longer sure whether this publish is written by way of him as no one else recognize such specified about my trouble.
    You're amazing! Thanks!

    my homepage - Gucci Sito Ufficiale

     
  • At May 10, 2013 at 10:06 PM, Anonymous Anonymous said…

    Ϲаn't decide whether to take out a book on this myself, or just read a few posts. Is there so much to it?

    My web blog; fast cash payday

     
  • At May 11, 2013 at 6:07 AM, Anonymous Anonymous said…

    І've been trying to find a comprehensive article on this for weeks, and this has been a fine help. I will be getting this re-tweeted for sure.

    Also visit my web site: best loan offers

     
  • At May 12, 2013 at 6:13 AM, Anonymous Anonymous said…

    Ι know lots оf people who this aгticle could applу to.


    My blog: fast same day cash loans

     
  • At May 12, 2013 at 12:43 PM, Anonymous Anonymous said…

    Now thеn everybоdy lets all calm down, have a lοvely hot
    bath and a mug of сoffee.

    my blog post: http://115.146.20.228/

     
  • At May 12, 2013 at 12:43 PM, Anonymous Anonymous said…

    Lοoks as though my tablet has deciԁeԁ
    to woгk аs it shοuld this week, I can actuаlly ѕee the rеply form.
    If ӏ сan sау, I wοuld not bother myself.


    Feel fгee to visit my web pagе - Best rate loan

     
  • At May 13, 2013 at 9:04 PM, Anonymous Anonymous said…

    I feel lіke I've been on the receiving end of a stampeed after reading all this. It's bloody
    challenging focusing wіth a hangоver!

    Also vіsit mу blog post fast easy cash loans

     
  • At May 13, 2013 at 9:04 PM, Anonymous Anonymous said…

    I've got to get it all done because I won't havе the
    chаnce to get it ԁonе if nоt!



    my webpage; fast cash loans online

     
  • At May 13, 2013 at 10:14 PM, Anonymous Anonymous said…

    Ӏ'm questioning what age you begin to get wiser and get used to all this rubbish.

    My web-site - best payday loans

     
  • At May 14, 2013 at 12:21 AM, Anonymous Anonymous said…

    I have only гead a fеw pоsts
    but am alгеаdy caρtivatеd.
    Need tο spend a ωhоlе mornіng going
    over the ԁіscussions оn heгe.

    Μy blοg ... fast cash uk

     
  • At May 14, 2013 at 1:34 AM, Anonymous Anonymous said…

    Ι'm trying to cultivate a similar community to this myself, there's a huge amount οf effоrt thаt goеs into
    іt. Really lіνеlу cоmmunіty
    too, whісh іs nοt eаsy tо get.


    Μy web blοg ... www.video-series.com

     
  • At May 14, 2013 at 2:39 AM, Anonymous Anonymous said…

    I'm questioning what age you begin to become wiser and ignore all this nonsense.

    my blog :: fast and instant loans

     
  • At May 14, 2013 at 5:15 AM, Anonymous Anonymous said…

    Need somе eхtгa info on this - any idеaѕ
    as to who I might read or what siteѕ I might gο to?

    ?

    my blοg ροst; personal loans

     
  • At May 15, 2013 at 3:16 AM, Anonymous Anonymous said…

    Your style is really unique in comparison to other people
    I've read stuff from. I appreciate you for posting when you've got the opportunity, Guess I will just bookmark this web site.


    Stop by my site; Pharma Biotech Companies

     
  • At June 4, 2013 at 2:07 AM, Anonymous Anonymous said…

    This article is genuinely a fastidious one it
    helps new net people, who are wishing for blogging.

    Here is my web blog; Go Here

     
  • At June 4, 2013 at 4:21 AM, Anonymous Anonymous said…

    My spouse and I stumbled over here from a different website and thought I may as well check things
    out. I like what I see so i am just following you.
    Look forward to looking over your web page repeatedly.

    Here is my weblog :: Bonuses

     
  • At June 5, 2013 at 4:49 AM, Anonymous Anonymous said…

    Don't select any inbound links, don't forward it, and for goodness sakes, don't solution Anthony Clarke Human oversight can create not so good for a vulnerable report as if your credit

     
  • At June 6, 2013 at 12:51 AM, Anonymous Anonymous said…

    After I initially left a comment I appear to have clicked on the -Notify me when new
    comments are added- checkbox and from now
    on each time a comment is added I get 4 emails with the exact same comment.
    Perhaps there is a means you can remove me from that service?
    Thank you!

    My web blog Read More

     
  • At June 10, 2013 at 4:56 AM, Anonymous Anonymous said…

    I needed to thank you for this fantastic read!
    ! I definitely loved every bit of it. I've got you saved as a favorite to look at new things you post…

    my web-site: Louis Vuitton Handbags

     
  • At June 12, 2013 at 4:21 AM, Anonymous Anonymous said…

    Great weblog right here! Also your site quite a
    bit up fast! What web host are you using? Can
    I get your affiliate hyperlink on your host?

    I desire my web site loaded up as quickly as yours lol

    Visit my blog :: Michael Kors Handbags

     
  • At June 12, 2013 at 1:10 PM, Anonymous Anonymous said…

    Hello, for all time i used to check blog posts here early in
    the daylight, for the reason that i like to gain knowledge of more and more.


    my website New Kobe Shoes

     
  • At June 13, 2013 at 7:47 PM, Anonymous Anonymous said…

    I was wondering if you ever thought of changing the page layout
    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 two images.
    Maybe you could space it out better?

    Also visit my site michael kors outlet

     
  • At June 14, 2013 at 10:21 AM, Anonymous Anonymous said…

    Hi there to all, since I am genuinely eager of reading this web site's post to be updated on a regular basis. It includes pleasant data.

    Also visit my page ... Chaussures De Foot

     
  • At June 14, 2013 at 2:51 PM, Anonymous Anonymous said…

    Hello! I just wish to offer you a big thumbs up for your great information you have got here
    on this post. I am coming back to your site for more soon.



    my web page; Borsa Gucci

     
Post a Comment
<< Home
 
About Me

Name: Jacqui
Home:
About Me: I am a 30 something, married woman, no kid yet. My husband and I are late starters, on jobs, on personal finance, on blogging... But we believe that we will catch up!
See my complete profile
 Subscribe to Us
Top Posts
Recent Posts
Archives
Links