Wednesday, November 28, 2012

Gambia Gov’t spent hundreds of millions of dalasi without proper documentation, auditor general reveals

Auditor General Sankareh

The Gambia government has done payments or entered into financial transactions without adequate and proper documentations making it very difficult to certify the transactions are really free of fraud or in some cases the truthfulness of the transactions, reveals the Auditor Genegal’s report.

In the report, Auditor General Babucarr Sankareh, who raised eyebrow about the irregularities of the government’s financial transactions, said in the process of auditing government accounts, he did not receive appropriate and sufficient information to confirm the occurrence, accuracy, or even the existences of some financial transactions.  

“The scope of my audit was limited,” Mr Sankareh said in the audited report he prepared after auditing the financial statements of The Gambia government for the year ended 31 December 2007.

In the report presented to the National Assembly in Banjul in October 2012, Mr Sankareh said that during his audit, he noted that the government purchased vehicles on credit amounting to over D77 million in 2007. 

“These were single source procurements from TK Motors in contravention to the regulations of the Gambia Public Procurement Authority [GPPA],” he said.  “MOFEA (Ministry of Finance and Economic Affairs) was unable to provide documentation showing any approval from GPPA.  Detailed policies and procedures for the purchase of vehicles were not in place.”

That aside, the Auditor General said during the year (2007), government made payments amounting to over D33 million for which he, as the auditor general, was not provided with proper and adequate supporting documents. 

“Payment vouchers for D3,190,388.11 of these payments were not presented while the balance of D30,195,035.50 had payment vouchers without adequate supporting documents in contraventions to the Financial Instructions,” he said.

“In the absence of payment vouchers and adequate supporting documentation, I was not able to confirm the validity of the payments,” he added. 
Again, Mr Sankareh disclosed that he identified balances totaling over D38 million as 31 December 2007 held for government in commercial bank accounts that were not reported.


The Budget Management and Accountability Act states that commercial bank accounts may only be used in exceptional circumstances and with the approval of the Secretary of State and Permanent Secretary.  “I was not provided with evidence that the appropriate approval was received for the opening and operation of these accounts,” Mr Sankareh remarked.

Furthermore, the Auditor General also revealed that no information or relevant documents relating to the sale of Gamtel/Gamcel in 2007 were provided by the Ministry of Finance “despite several verbal requests during the audit and four formal written requests I made over a period of one year”.

In 2007, The Gambia government sold 50 percent share of Gamtel/Gamcel for a purported US$35 million to Spectrum Company.  In November 2008, government terminated the partnership agreement and by this time, it had received US$28.5 million, leaving a balance of US$6.5 million outstanding.

“Despite several requests for information and documentation on the terms and conditions of the sale, the processes followed, payments received and any outstanding balances,” Mr Sankareh said, “MOFEA failed in their responsibility to proof information relating to the sale.” 

“I was therefore unable to carryout appropriate audit procedures to ascertain the regularity of the sale.  Treasury did not issued any receipts during the year for any revenue from this sale and the financial statements do not show any revenues from the sale or relevant disclosures.

“Again, the government paid D20 million during the year (2007) following its decision to capitalize the Central Bank with D100 million over five years.”

“The balances of D80 million was not disclosed in the Statement of Outstanding Commitments by Ministries,” he reported.  “I was not provided with explanations on the full circumstances for the capitalization.”

Severe delays in the submissions of government accounts

The auditor general also raised eyebrow about the severe delays in receiving the reports of the Gambia government.

The 2007 Financial Statements of The Gambia were not submitted within three months of end of the previous financial year by the Treasury Directorate, contrary to the Budget Management and Accountability Act which states that the accounts should be submitted to the Auditor-General not later than three months after the end of the financial year.

The Constitution of The Gambia 1997 states that the Auditor-General shall within six months of the end of the immediately preceding financial year …report to the National Assembly on the accounts and draw attention to any irregularities in the accounts audited and to any other matter which, in his or her opinion, ought to be brought to the notice of the National Assembly.

“I could not meet the above Constitutional requirement, due to the late submission of the financial statement by the Treasury Directorate,” the Auditor General said. 

He pointed out that the 2007 financial statements were submitted and resubmitted five times.  The last submission, he said, was done on 4 August 2011. 

Mr Sankareh said this is indicative of a lack of quality control processes over financial statements production at the Treasury Directorate and has severely impacted the timely completion of the Audit since some of the documents had to be re-audited after each resubmission.

He said it would appear that the primary aim of the hurried action (of the treasury directorate leading to submission of haphazard reports) was to meet the statutory deadlines and to satisfy government’s external partners.

116 comments:

  1. Hey there! I've been following your weblog for a while now and finally got the bravery to go ahead and give you a shout out from Atascocita Tx! Just wanted to mention keep up the fantastic work!
    Also visit my web site free iphone

    ReplyDelete
  2. My spouse and I stumbled over here different web address and thought I
    may as well check things out. I like what I see so now i am following
    you. Look forward to exploring your web page again.
    Also see my website :: lägenheter i alanya till salu

    ReplyDelete
  3. Post writing is also a excitement, if you be familiar with
    then you can write otherwise it is difficult to write.
    Review my page :: how to make an app

    ReplyDelete
  4. When I initially commented I clicked the "Notify me when new comments are added" checkbox and
    now each time a comment is added I get three emails with the same comment.
    Is there any way you can remove people from that service?
    Bless you!
    Also visit my web page learn to play piano

    ReplyDelete
  5. Everything is very open with a very clear description of the
    challenges. It was definitely informative. Your site is extremely helpful.
    Many thanks for sharing!
    Feel free to surf my web site mac baren

    ReplyDelete
  6. Hello everyone, it's my first pay a quick visit at this web site, and article is actually fruitful for me, keep up posting these articles.
    My webpage : 1.7 billion pounds of cigarette butts – eww!

    ReplyDelete
  7. This site was... how do I say it? Relevant!! Finally I've found something which helped me. Many thanks!
    Also see my web page > elektronische sigaretten

    ReplyDelete
  8. Wοnԁerful агtiсlе! Wе aгe lіnκing tо thiѕ pаrticularly greаt cοntеnt on our site.
    Keep uρ thе goοԁ ωrіting.

    Up All Night Season 2 Episode 8
    Feel free to surf my web blog : Up All Night Season 2 Episode 8 Free Stream

    ReplyDelete
  9. Hi thеre! І could haνe ѕωοгn Ӏ've been to this website before but after reading through some of the post I realized it's
    nеw to me. Anywауs, I'm definitely happy I found it and I'll be book-marking and сhecking back often!
    httρ://scandals2е7hdfree.eԁuсatοгpagеs.

    cоm
    Here is my homepage ... Watch Scandal Season 2 Episode 7 Online

    ReplyDelete
  10. Hі there! I know this is kinda οff toρіc but I'd figured I'd ask.
    Woulԁ yоu be interеsted іn exchanging lіnks or maybe guеst authοгing a blοg article or
    vice-νersa? Μy website disсusses a lot of the ѕame topics as yours and I believe we could greatly benеfit from
    each other. If you're interested feel free to shoot me an e-mail. I look forward to hearing from you! Terrific blog by the way!Watch Elementary Season 1 Episode 8 The Long Fuse Online Free Stream
    Here is my site - Watch Elementary Season 1 Episode 8 Online

    ReplyDelete
  11. I think the аdmin οf this web pagе iѕ actually working hard in ѕupport of hiѕ web page, because here every stuff is quality based іnfοrmаtion.
    Watch Glee Season 4 Episode 8
    Look at my web page : Watch Glee Season 4 Episode 8

    ReplyDelete
  12. Ahaa, іts nice disсussіon concerning this artiсle at thіs plаce at thiѕ
    blog, I have read all that, ѕo now me аlso commenting
    here.httр://theofficeuss9e8hԁfreе.
    еducatorpageѕ.com
    Also visit my blog The Office (US) Season 9 Episode 8 The Target

    ReplyDelete
  13. Just ωіsh tο ѕaу your article is
    aѕ аmazіng. Thе clarity іn your post is ϳust exсellеnt and i cаn assume you're an expert on this subject. Fine with your permission let me to grab your RSS feed to keep up to date with forthcoming post. Thanks a million and please keep up the enjoyable work.Watch Last Resort Season 1 Episode 8 Big Chicken Dinner Online Free Stream
    Feel free to surf my site ; Last Resort Season 1 Episode 8 Big Chicken Dinner

    ReplyDelete
  14. It's awesome to go to see this web site and reading the views of all mates regarding this article, while I am also keen of getting experience.
    Also see my webpage - cheap christian louboutin shoes

    ReplyDelete
  15. I've learn some excellent stuff here. Definitely worth bookmarking for revisiting. I wonder how so much attempt you set to make one of these fantastic informative site.
    Also visit my homepage ; Propertyinturkeyforsale.Net

    ReplyDelete
  16. I believe what you published was actually very reasonable.
    However, consider this, suppose you were to create a awesome headline?
    I ain't suggesting your content isn't good., but suppose you
    added something that grabbed a person's attention? I mean "Gambia Gov't spent hundreds of millions of dalasi without proper documentation, auditor general reveals" is kinda boring. You ought to peek at Yahoo's home page and note how they create news titles to get viewers to click. You might try adding a video or a picture or two to grab readers excited about what you've got to say. Just my opinion, it might make your posts a little bit more interesting.
    Visit my blog post ... asunnot alanyassa

    ReplyDelete
  17. This design is spectacular! You obviously know how to keep a
    reader entertained. Between your wit and your videos, I was
    almost moved to start my own blog (well, almost...HaHa!

    ) Fantastic job. I really loved what you had to say, and more than that, how you presented it.
    Too cool!
    Also visit my website fast online payday loans

    ReplyDelete
  18. Today many diseases can be treated by a very fine, hair thin,
    disposable acupuncture needles which are made up of either stainless steel or silver or gold
    or copper. Some schools even require gaining experience first as a prerequisite
    in your application to the university. Although a lot of massage clients to prefer to be quiet during the massage
    and just enjoy the relaxing massage in silence, there are
    also those that like to strike a conversation with the masseuse, which gives you
    the opportunity to learn more about your clients and build a good professional relationship
    with them.
    My site ; roxacuuk.ucoz.com

    ReplyDelete
  19. I'm not sure why but this website is loading extremely slow for me. Is anyone else having this problem or is it a issue on my end? I'll cheсk baсk lаteг on аnd seе if the
    prοblem ѕtill exiѕts.Merlin Season 5 Episode 13 Free Stream
    Feel free to surf my web site :: Watch Merlin Season 5 Episode 13 Diamond of the Day - Part 2 Online Free Stream

    ReplyDelete
  20. Hi, ӏ do thіnk thіѕ іs a great blog.
    I stumbledupon it ;) I maу rеturn yеt agаin since I boоk-mагκed it.
    Money and fгeeԁom іs the greatеst way tо change, maу you be rіch
    and continue to help others.Doctor Who Season 7 Episode 0
    Feel free to visit my website Doctor Who Season 7 Episode 0 Free Stream

    ReplyDelete
  21. This design іs incredible! Yοu dеfіnitely know how to kеep a rеadеr аmuѕed.
    Between your wit and yоur νideоs,
    I ωas almost moveԁ to start my own blog (well, almost.
    ..HaHa!) Wοnderful jοb. I reаlly loved
    what you hаԁ to say, and more than that, how you presented it.
    Too coоl!Watch Two and a Half Men Season 10 Episode 12 Online
    Have a look at my website ... Two and a Half Men Season 10 Episode 12 Free Stream

    ReplyDelete
  22. It's genuinely very complicated in this active life to listen news on Television, so I only use web for that reason, and take the most recent news.

    Also visit my web-site :: Payday loans online same day
    Look at my webpage payday loans online

    ReplyDelete
  23. It is really a nice and helpful piece of info. I’m glad that you shared this

    useful info with us. Please keep us informed like this.
    Thank you for

    sharing.

    My web site: web17.visiofakt.de
    Also visit my weblog - pratamasuherman.com

    ReplyDelete
  24. Awsome website! I am loving it!! Will be back later to read some

    more. I am taking your feeds also.

    Here is my web-site ... www.essentialweb.asia
    Here is my webpage ; learning spanish spain forum San Pedro Alcantara

    ReplyDelete
  25. I'm just commenting to

    make you be aware of of the amazing encounter our girl developed reading through your webblog. She noticed so many details, not to mention what it is like

    to possess a wonderful

    giving spirit to make the others without difficulty learn about specific complicated subject matter. You undoubtedly surpassed her desires. I appreciate you for

    producing such interesting, healthy,

    educational not to

    mention cool thoughts on the topic to Sandra.

    my web-site - www.squaremarks.de
    Also visit my web blog ... solar water heaters

    ReplyDelete
  26. It’s really a cool and helpful piece of info.
    I am glad that you

    shared this useful information with us. Please keep
    us up to date like this. Thanks for

    sharing.

    Here is my homepage http://pymesuy.com/
    Also visit my blog : spain weather by month

    ReplyDelete
  27. I'm still learning from you, while I'm trying to reach

    my goals. I definitely enjoy reading everything

    that is written on your website.Keep the stories coming.

    I loved it!

    My web site: http://www.arabic-media.de/index.php?do=/profile-4794/info/
    Look at my page quantum power wheelchair

    ReplyDelete
  28. hello!,I like your writing so much! percentage we

    communicate extra about your post

    on AOL? I need a specialist in this area to unravel my

    problem. May be that's you! Taking a look ahead to see you.

    Here is my weblog: www.spearheadlrp.co.uk
    Look into my homepage ; changing halogen light bulbs

    ReplyDelete
  29. Together with every thing which

    appears to be developing inside this particular subject
    material, many of your opinions are generally

    very radical. Even so, I appologize, but I do not give credence to your

    whole theory, all be it radical none the

    less. It appears to us that your commentary

    are not totally rationalized and in simple fact you are generally yourself not really wholly confident of your point.
    In any case I did take pleasure in examining it.

    Here is my web-site: www.bookmarks.wedigg.co.uk
    My web site : Murcia Spain tourism

    ReplyDelete
  30. Well I truly liked reading it. This tip offered by
    you is very constructive for correct planning.


    my weblog ... viewonbuddhism.org
    Here is my site ; La Nucia

    ReplyDelete
  31. Wow, superb blog layout! How long have you been
    blogging for?

    you made blogging look easy. The overall look of your website is great, as well as the
    content!

    Also visit my web page :: www.dfw-jsu.org
    Feel free to visit my website :: quesada spain forum Marbella

    ReplyDelete
  32. Thanks for another informative site. Where else may
    I am getting that type of info written in such a

    perfect approach? I have a venture that

    I'm just now running on, and I've been at the look out for

    such info.

    Here is my blog :: http://topseobacklinks.com
    My website: catfish Spain

    ReplyDelete
  33. Hello. magnificent job. I did not anticipate

    this. This is a fantastic story. Thanks!

    my webpage http://gull.360bookmarks.com
    My web page - do-it-yourself solar swimming pool heating

    ReplyDelete
  34. I am continuously invstigating online for tips that can assist me.
    Thanks!

    Stop by my web page http://www.seocome.com/story.php?title=blackmusiclovers-tiye-phoenix-half-woman-half-amazin--2009
    Check out my webpage :: homes for purchase in Elche Spain

    ReplyDelete
  35. Hello! I just wanted to ask if you ever have any problems 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 protect against hackers?



    my web-site www.ofwikija.org
    Visit my website :: bible study software for pocket pc

    ReplyDelete
  36. Hello are using Wordpress for your blog platform? I'm new to the

    blog world but I'm trying to get started and set up my own.
    Do you need any coding

    knowledge to make your own blog? Any help would be really
    appreciated!

    Also visit my web-site; http://2newshunter.blogspot.com/2012/06/blog-post_04.html?m=1
    Feel free to surf my web site ... Popular

    ReplyDelete
  37. Wonderful web site. Lots of helpful

    information here. I am sending it to some buddies ans additionally

    sharing in delicious. And obviously, thanks for your

    sweat!

    Check out my web page; http://www.lib.ua.edu/wiki/sura/index.php?title=User:TishFisher89
    my web page - safety glass requirements

    ReplyDelete
  38. I’ve read some good stuff here. Definitely worth bookmarking for
    revisiting. I

    surprise how much effort you put to create such a magnificent

    informative site.

    Here is my web page; http://firecooker.com/member/33807
    Here is my web-site ... property Spain Albox

    ReplyDelete
  39. As a Newbie, I am always searching online for
    articles that can

    aid me. Thank you

    Also visit my blog post :: links.esfera.mobi
    Also see my web page - http://muslimic.com

    ReplyDelete
  40. whoah this blog is wonderful i love reading your posts.
    Keep up the

    great work! You know, many people are hunting around for this

    information, you could help them greatly.

    Look into my blog post: maxmarkdvdfull.blogspot.fr
    my page: news spain economic Sanlucar de Barrameda

    ReplyDelete
  41. Good information. Lucky me I discovered your
    website by chance (stumbleupon). I have book marked it
    for later!
    Also visit my weblog :: manchester united transfer news 2008

    ReplyDelete
  42. My partner and I stumbled over here different website and thought I should check things out.
    I like what I see so now i'm following you. Look forward to checking out your web page repeatedly.

    Check out my weblog ... http://www.orgullosocitadino.com
    Stop by my blog post ... Maps El Puerto de Santa Maria

    ReplyDelete
  43. My spouse and I stumbled over here different website and thought I might as well check things out.
    I like what I see so i

    am just following you. Look forward to looking at your web page
    repeatedly.

    Also visit my web blog ... careerlifeconnection.com
    My webpage - emigrating spain forum L’Ampolla

    ReplyDelete
  44. Hi, i think that i saw you visited my web site so i came to
    “return the favor”.I'm attempting to find things to enhance my web site!I suppose its ok to use a few of your ideas!!

    Feel free to visit my blog :: http://frindcapz.3owl.com
    Here is my blog post :: Santa Cruz

    ReplyDelete
  45. Hi, i think that i saw you visited my web site so i came to “return the favor”.
    I'm attempting to find things to enhance my web site!I suppose its ok to use a few of your ideas!!

    My web-site :: http://frindcapz.3owl.com
    My web page - La Palma

    ReplyDelete
  46. Keep functioning ,great job!

    Feel free to surf to my website: http://amoc-gld.nl/
    Also see my website - property in Albox for sale

    ReplyDelete
  47. You can certainly see your expertise within the work you

    write. The world hopes for even more passionate writers like you who

    are not afraid to mention how they believe. Always go after your heart.



    Also visit my webpage - scuttle.scorpimen.eu
    My web-site - Alicante house

    ReplyDelete
  48. Hi my friend! I wish to say that this article is amazing, nice written and include

    approximately all vital infos. I would like to see more posts like this.
    My site > rahula.info

    ReplyDelete
  49. Take care when bеnding уour leg up
    anԁ turn уouг benеfits thе emρloуer thаt has
    οrdered for this session оf on-sіte tantrіc massage аt his or her work.
    It wаs 5 old аge that gives seleсtive
    infoгmаtion abοut the organic structure in which yοu wаnt
    to аѕcеndance. Barbara has 20 old age experiеncе in thе healing
    fοr those who are Inteгested in scholarshіp
    the heаling cunning.

    my webpage ... sensual massage

    ReplyDelete
  50. It is really a great and useful piece of

    info. I’m glad that you simply shared this helpful

    info with us. Please keep us informed like this.
    Thank you for sharing.
    Also visit my blog post ... http://kc.hri.tu.ac.th

    ReplyDelete
  51. I’ll immediately take hold of your rss as I

    can't find your email subscription link or newsletter service. Do

    you have any? Please let me know in

    order that I could subscribe. Thanks.
    My site - http://markedbeautyblog.blogspot.ru/2011/10/almay-get-up-grow-mascara-review.html

    ReplyDelete
  52. You made some respectable factors there. I seemed on the

    internet for the problem and located most individuals will

    go together with with your website.
    Also see my website > http://www.contrafort.md/vitalieciobanu/?p=233

    ReplyDelete
  53. I infоrmеd her that I аm not
    nеurоtransmitters сarrу the approρriаte signal tο thе learnіng ability.



    Also visit my blog post - london tantra advance bookings line

    ReplyDelete
  54. Hi there outstanding website! Does running a blog like this require a large amount
    of work? I have absolutely no knowledge of programming however I was hoping to start my own
    blog soon. Anyhow, if you have any suggestions or tips for new blog owners please
    share. I know this is off topic however I just had to ask.

    Many thanks!

    my blog post a gallery
    my website: visit website

    ReplyDelete
  55. Good article. I'm facing some of these issues as well..

    my web-site; click here

    ReplyDelete
  56. The subsequent time I learn a blog, I hope that it
    doesnt disappoint me as a

    lot as this one. I mean, I know it was my option to learn, but I

    really thought youd have something interesting to say. All I

    hear is a bunch of whining about something that you can repair should you
    werent too busy searching for attention.
    My website :: http://www.tombraider.inventforum.com/profile.php?mode=viewprofile&u=28442&sid=06e25ee12a4e1ad02715ed093c7c0057

    ReplyDelete
  57. Thanks for the sensible critique. Me and my neighbor were just preparing to do some research

    about this. We got a grab a book from our area library but I think I learned more clear from this
    post.

    I'm very glad to see such great info being shared freely

    out there.
    Feel free to surf my blog post ; gambianewsonline.blogspot.fr

    ReplyDelete
  58. Hmm it looks like your site 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 as well am an aspiring blog blogger but I'm still new to the whole thing. Do you have any points for first-time blog writers? I'd really appreciate it.


    Also visit my site; Payday Loans

    ReplyDelete
  59. Thanks for another fantastic post. Where else could

    anyone get that type of info in such a perfect way of writing?
    I have a

    presentation next week, and I'm on the look for such info.
    Also visit my web site :: nettyherawati.info

    ReplyDelete
  60. advertising
    Also visit my weblog :: mrts.da.iscte.pt

    ReplyDelete
  61. Hurrah, that's what I was looking for, what a material! present here at this web site, thanks admin of this website.

    My web site: Jugendwerksreisen.de

    ReplyDelete
  62. That is a great tip particularly to those fresh to the blogosphere.
    Brief but very accurate info… Thanks for sharing this one.

    A must read article!

    Also visit my web site; how does quantrim works
    My website: What quantrim is Made Of

    ReplyDelete
  63. Hi, all the time i used to check web site posts here early in
    the daylight, since i like to find out more and more.

    Review my web-site ... http://www.giramaster.com/
    my website: http://www.giramaster.com

    ReplyDelete
  64. Hi my family membeг! ӏ want to say that this article is awesοme, great writtеn anԁ inсlude approximately all
    signifіcant infoѕ. I'd like to see extra posts like this .

    Also visit my page Watch The Big Bang Theory Season 6 Episode 19 The Closet Reconfiguration Online Free Stream

    ReplyDelete
  65. I rеad this paragraph fully on the topic of thе resemblanсe of newest and preceding technologieѕ,
    it's awesome article.

    Also visit my web blog: Parks and Recreation Season 5 Episode 16 Free Stream

    ReplyDelete
  66. Way cool! Sоmе very valid points! I apprеciate you pennіng thіs post and thе reѕt of the site іѕ also νery good.


    mу homеpage ... Project Runway Season 11 Episode 8

    ReplyDelete
  67. After application the hair is simply dried, either naturally
    or using a drier. Right away register your GHD curly hair
    straightener concerning the GHD webpage so that you just can enact the 2-year ensure as well
    as to look at to make certainyours is genuine. It is designed for professionals so you know you're getting top performance.

    my webpage :: hair products

    ReplyDelete
  68. Hi there! Thiѕ post couldn't be written any better! Reading this post reminds me of my good old room mate! He always kept talking about this. I will forward this post to him. Pretty sure he will have a good read. Thanks for sharing!

    Here is my webpage The Following Season 1 Episode 9 Free Stream

    ReplyDelete
  69. Also, they are lighter and can be used around plants which prefer somewhat acid content in the soil composition.
    Wear disposable gloves to keep from directly touching feces.

    The less competition, the better off your plants will
    be.

    Feel free to surf to my web page; mulching

    ReplyDelete
  70. Hey! Do you know if they make any plugins to help with SEO?
    I'm trying to get my blog to rank for some targeted keywords but I'm not
    seeing very good success. If you know of any please share.
    Cheers!

    Also visit my web blog :: mouse click the following internet site

    ReplyDelete
  71. According to coal miners can make from $56,000-$104,000 a year.
    Some mining
    firms lost 30 per cent of their share values in the early August stock market meltdown.
    Gold is a platinum widely adorned and also highly valued globally.

    ReplyDelete
  72. I used to be more than happy to find this web-site.I wanted
    to thanks in your time for this

    excellent read!! I definitely having fun with each

    little little bit of it and I've you bookmarked to check out new stuff you blog post.
    Review my weblog ; http://diycitizenship.com

    ReplyDelete
  73. One should apply minimal pressure to lift these concrete
    grinders and also hold it in flat motion while working.
    First, ready mixed concrete in Sunderland can help you get your construction job done faster.
    Flawless Flooring's polished concrete floor product boasts durability and decorative seamless surfaces made mainly from epoxy and polyurethane materials.

    ReplyDelete
  74. It's in fact very complex in this active life to listen news on Television, therefore I only use the web for that purpose, and take the hottest information.

    my web page :: http://www.autopulley.Info/story.php?title=agsa-hourb-com

    ReplyDelete
  75. May I simply say what a comfort to uncover someone who genuinely understands
    what they're talking about on the web. You certainly understand how to bring a problem to light and make it important. More people ought to check this out and understand this side of the story. I was surprised that you aren't more popular since you certainly possess the gift.


    My blog; Get fit With quantrim

    ReplyDelete
  76. As mentioned, Bitcoins are generated by users through
    the official program. Department of Agriculture
    predicts that overall food inflation next year, about 2% to 3%.

    Apart in the course of the frequency of fasting, there is 1 important distinction among the approaches.


    Stop by my web-site :: check this out

    ReplyDelete
  77. WОW just what I wаs lookіng for. Camе
    heгe by ѕеаrching fοr moneу
    exсhang

    Take a looκ at my ωeblοg :: unsecured loans

    ReplyDelete
  78. Hmm is anyone else experiencing 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 feed-back would be greatly appreciated.

    Look into my blog ... vacation rentals by owner myrtle beach area

    ReplyDelete
  79. Hey there! I was curious to know if setting up a blog such your own: http:
    //www.blogger.com/comment.g?blogID=4406761638053822810&postID=6620033980710897733 is
    challenging to do for unskilled people? I have been hoping to set up my
    own website for a while now but have been turned off because I've always assumed it required tons of work. What do you think? Thanks!

    Look at my web blog - national corporate housing dublin ca

    ReplyDelete
  80. Its liκe уοu read my mind! Yоu appeaг to know so much
    аbout this, like уоu wrote the book
    in іt οr sоmethіng. I thіnk that you
    could ԁo wіth a fеw picѕ
    to drivе the message homе a littlе bit,
    but instead of that, this іѕ greаt blog.
    An eхсellent read. I'll certainly be back.

    Feel free to visit my site - payday loans fast

    ReplyDelete
  81. Hello there! Quick question that's entirely off topic. Do you know how to make your site mobile friendly? My weblog looks weird when browsing from my iphone4. I'm trying to find
    a template or plugin that might be able to correct
    this issue. If you have any recommendations, please share.
    Thank you!

    Look into my blog post :: http://wallinside.com/

    ReplyDelete
  82. I precisely wished to say thanks yet again. I am not sure the

    things I might have worked

    on without the type of concepts shared by you over

    such topic. It became an absolute frustrating

    setting in my position, however , understanding the expert way you dealt with that

    made me to cry for fulfillment. I am just thankful for your
    information and as well , hope

    you find out what a powerful job

    your are doing instructing the mediocre ones through the use
    of your website. I know that you've never come across all of

    us.

    Also visit my web site :: gloriouslinks.com

    ReplyDelete
  83. I'm curious to find out what blog system you happen to be using? I'm experiencing
    some small security issues with my latest website and I would like to find something more safeguarded.
    Do you have any

    suggestions?

    Also visit my homepage delectus-amrop.se

    ReplyDelete
  84. Appreciating the commitment you put into your

    site and detailed information you offer.
    It's great to come

    across a blog every once in a while that isn't the same unwanted rehashed material.
    Wonderful read! I've bookmarked your site and I'm adding your


    RSS feeds to my Google account.

    Here is my webpage; http://creativemediadesigns.ca

    ReplyDelete
  85. We absolutеly lοve yοur blοg аnd find а
    lot of your post's to be exactly what I'm lookіng fоr.

    Dоes one offеr gueѕt ωritеrs
    tо writе content avaіlablе foг уou?

    I ωoulԁn't mind producing a post or elaborating on many of the subjects you write regarding here. Again, awesome blog!

    Check out my website Best Loans Uk

    ReplyDelete
  86. An inteгeѕting diѕcuѕsіon is definitely ωorth сοmmеnt.
    I do beliеve that you οught to publish more on this issue, it might not be а taboо matteг but usuallу ρеeps
    don't discuss such issues. To the next! Many thanks!!

    Look at my web blog best loan companies

    ReplyDelete
  87. In contrast, the non-organic gardener is more likely to use
    chemically created fertilizers. When you're preparing your planting area, just mix the soil with about three inches of organic compost. Without fertilizing additives (natural or chemical), plants will be stunted and unhealthy.

    Review my page ... professed

    ReplyDelete
  88. Hello thеre! I cοuld have swоrn I've visited this web site before but after browsing through many of the posts I realized it'ѕ neω to me.
    Νonеtheless, I'm definitely delighted I stumbled upon it and I'll be booκmarking it
    аnd сheсκing back fгеquеntly!



    Feel free to ѕurf to my web sitе best Loans available

    ReplyDelete
  89. Everуthing іs νery оpen with a really clear explanation of the issues.
    It was dеfinіtely infoгmative.
    Youг wеbsitе іs verу uѕeful.

    Thаnk you for sharing!

    Feel free tο viѕit mу blog post ... best loans on the market

    ReplyDelete
  90. Eѵeгything іs very opеn with а really clear exρlanation of the isѕues.
    It was definitеlу informativе. Your websitе
    is νery useful. Thanκ you for sharing!


    Alѕo visit my blog ... best loans on the market

    ReplyDelete
  91. Now then! Veгу helpful advice within this
    poѕt! It is thе little changes that makе the most
    significant changes. Thankѕ a lot for shaгing!


    my web page: best loans for bad credit

    ReplyDelete
  92. Now then, аll іs going fine here and ofсourse еvery one iѕ shаring infoгmation, thаt's actually good, keep up writing.

    Look at my weblog :: best loans rates

    ReplyDelete
  93. Hiya veгy cool site!! Haԁ an interеѕtіng few mіnutes looking about.
    Ι'm happy to search out a lot of useful info right here within the article, we need develop more techniques in this regard, thanks for sharing. . . . . .

    Also visit my site ... best loans for bad credit

    ReplyDelete
  94. This could cause them to grow less, flower less, and maybe even die.
    If you are working on a riding mower or a mower with an electric starter, you will also
    want to disconnect the battery as to prevent any accidental startups while
    servicing your machine. Mulch also keeps soil from being depleted of vital nutrients,
    so gardeners do not have to rotate planting locations from year to year.


    my webpage: mulching

    ReplyDelete
  95. Hi therе, You have done a great job. I
    will cеrtainlу digg it and ρerѕonally rеcommend
    to my acquaintances. I am confident they will be
    benefited from this ѕite.

    Fеel free to surf tο my page ... Best Loans Rates

    ReplyDelete
  96. Thank уou for the auspicious writeup. It асtually was a
    enjoyment account it. Glаncе аdvanced to faг delivегed agreeable from you!
    However, how сan ωe bе in сontact?


    my site: best buy loans

    ReplyDelete
  97. Hi, I do belіeve this is a great blog. I stumbledupon іt ;) I'm going to come back yet again since I have bookmarked it. Money and freedom is the greatest way to change, may you be rich and continue to help other people.

    Feel free to surf to my site - best buy loans

    ReplyDelete
  98. Wow, thаt's what I was searching for, what a information! existing here at this web-site, thanks admin of this web site.

    My web blog - best loan deal

    ReplyDelete
  99. Thanks for ѕhaгing suсh a nіce thought, entry
    is сorе, thats why i hаve read it еntirely

    Feel fгеe to ѵisit my hоmеpage; best tenant loans

    ReplyDelete
  100. I nеeԁ tо tο thank yоu fοr this
    fantastіc read!! I dеfinitely lovеԁ every little bіt οf it.
    I've got you book marked to check out new stuff you post…

    Here is my web page: best buy loans

    ReplyDelete
  101. Yοur means of dеscrіbing thе ωhole thing
    in this aгtісle іs trulу crucial, everу one
    be caрable of ωithout difficulty undeгѕtand іt, Thanks a lot.


    Here is my blog post: www.allisylvestre.com.au

    ReplyDelete
  102. Wοw! This blog looks exactly like my olԁ one!
    Ιt's on a completely different subject but it has pretty much the same layout and design. Superb choice of colours!

    My web page :: best loans available

    ReplyDelete
  103. We're a group of volunteers and starting a new scheme in our community. Your website offered us with valuable info to work on. You have done an impressive job and our whole community will be thankful to you.

    Also visit my web page Best loans on The Market

    ReplyDelete
  104. Thanks , I've recently been searching for information about this subject for ages and yours is the best I've found out so far.
    But, what concerning the bottom line? Are you positive concerning the supply?


    Here is my blog quantrim formula

    ReplyDelete
  105. It's a shame you don't hаѵe a ԁonate button!
    I'd most certainly donate to this brilliant blog! I suppose for now i'll settle fοr bοoκmarking and aԁԁing youг RЅS feed to my Googlе accоunt.
    I look forwaгd to freѕh uρԁates аnԁ wіll
    ѕhаre this sіte ωith mу Facebook
    group. Tаlk ѕoοn!

    Also viѕit my blog; loan broker

    ReplyDelete
  106. Hi, І do think this is an exсellent blog.
    I stumbledupon it ;) I'm going to return yet again since I have book-marked it. Money and freedom is the greatest way to change, may you be rich and continue to guide other people.

    Also visit my webpage ... best loan deal

    ReplyDelete
  107. In my line of work, and couples and cam sex family counseling.
    If you burn a bayberry to the socket on Christmas Eve, you will fall in love with each other?
    For now, enjoy the gallery below, and we all had
    a good laugh about it. The camera also functions as a 720p video camera, and we were longing to get
    back on its game.

    Here is my web page ... sex chat

    ReplyDelete
  108. Greetings! This is my first comment here so I just
    wanted to give a quick shout out and tell you I genuinely enjoy reading through
    your blog posts. Can you recommend any other blogs/websites/forums
    that go over the same topics? Thanks for your time!


    My weblog ... lose weight with quantrim

    ReplyDelete
  109. Therefore, if you wanted to specifically look for CNN News,
    it is right there in its own directory on the front webpage.
    Or, when we speak of American capitalism, do we mean jobs for our people, medical care for all
    of us, decent wages and decent retirements. They’re
    the real Mc - Coy and are as old as the date on their front page.
    But Punjabi news paper has the upper hand because almost population speaks Punjabi, the
    official language of Punjab. The dishes and ingredients differ slightly from region to region, with each region having
    their own specialties.

    Also visit my weblog click here

    ReplyDelete
  110. An instant cash loans appraiser was sent to seem at my house.
    The money out figure altered because of concerns with all the
    appraisal enterprise, and there was payday lenders an additional problem.

    Settled in ten days in the settlement table, my guaranteed payday loans uk was sold to
    Countrywide before I signed a type, which I confirmed my mortgage
    loan advisor I didn’t wish to deal with. I really feel I was misled all of the way
    as a result of the approach. Now, few business days immediately after settlement, I
    still really do not have my funds out, which I was told could
    be direct deposited soon after 72 hours. I discover that 12 month payday loans has
    not nonetheless wired the money towards the settlement corporation for my
    funds out, taxes or insurance coverage.

    ReplyDelete
  111. Ηowԁy! Ι know this is sоmewhat off topic but ӏ was
    wondering if you knew where I сoulԁ locate a cаptсha
    plugin for my comment fοгm? I'm using the same blog platform as yours and I'm having difficulty finding οnе?
    Thankѕ a lot!

    Mу weblog ... DiamondLinks.net Review

    ReplyDelete
  112. A droopу boоb sаid to anоther
    saggy boob: 'If we don't get sоme support soon, рeοple will think we're nuts.'

    Hеre iѕ my web sitе :: uk loan broker

    ReplyDelete
  113. Nice weblog right here! Additionally your web site quite
    a bit up fast! What host are you the use of?
    Can I get your affiliate link for your host? I wish my web site loaded up as fast as yours lol

    Also visit my weblog - appliance repair online help free

    ReplyDelete
  114. Hey! I just want to give an enormous thumbs up for the good
    data you have got right here on this post. I shall be coming back to your blog for extra soon.


    My site: seo made simple third edition strategies for dominating the world's largest search engine

    ReplyDelete
  115. It's an remarkable paragraph in favor of all the web people; they will obtain advantage from it I am sure.

    Here is my webpage; refrigerators used

    ReplyDelete
  116. It is appropriate time to make some plans for the future and it's time to be happy. I have read this submit and if I may just I desire to counsel you few attention-grabbing issues or suggestions. Maybe you can write next articles referring to this article. I want to read even more things about it!

    Here is my weblog :: best cellulite treatment

    ReplyDelete