Welcome to
Financial Advice
Test popup here
Preview our exclusive in-house pictures and MPEG videos. You can also view the galleries in other catagories:

Teen Hardcore Asian Bondage Sex-machine Movies
List of all galleries.

You want to see a teenage girl give herself an orgasm? Yeah? Then sign up with Orgasmaniacs!

This is Aria Giovanni.
She is a hot Latina babe with the most gorgeous natural body in the world.
You can see nasty pictures of her fisting herself!
From amateur pics to professional movies Aria kicks ass!
See Aria fist herself!
Imagine massaging Aria's tits and ass with baby oil.
Now imaging massaging your own cock with baby oil while
You watch a movie of Aria's massaging her own pussy..
It's almost as good!
This is Kiko Wu.
She started her own website as an amateur
and now owns and runs Chinatown-Girls.com.
Kiko is unlike any other model or webmistress.
She's pretty, she's smart and she's friendly and
she certainly knows how to enjoy a double-ended dildo!

See Kiko help Asian teens with their cumming of age desires!

Get FREE access to KikoWu.com when you sign up with Chinatown-Girls

See Kiko help Asian teens with their cumming of age desires!

Free picture content for adult webmasters
Free adult content for webmasters. Include your own links and banners.
Ready made galleries with thumbnails - just add your adverts and upload
them to your own website.
(Click Here)



Watch 1/2 hour movies of gorgeous women having intense orgasms.
Hear those orgasms in stereo sound.
You'll be amazed (that's a promise).


What you will find here at SEXMAPPER.com
1. Easy-to-navigate links to hundreds of hand picked galleries of super-high quality legal porn.
2. A few advertisments for carefully chosen affiliate sites. We selected them because we recommmend them! They have unusually sexy and exclusive content and they have proven to be honest and reputable (so you can be sure you won't be ripped off).


You want to see a teenage girl give herself an orgasm? Yeah? Then sign up with Orgasmaniacs!

Aria Giovanni is a stunning beauty with a full natural curvy figure. Men and women love her. She has been a "Penthouse Pet". Aaaah, bless.
Kiko Wu (that's her in the picture) owns and runs ChinaTown-Girls.com. She's an innovative young woman who designed and built her own sex machine and invented the browser-controlled Sex-Waldo, so that you can manipulate a dildo inside Kiko in real-time using your computer mouse. There are many movies featuring solo and girl-girl sessions, some culminating in orgasms.
The website name may be a little inelegant, but it's accurate and descriptive. There are lots of women having real orgasms, using all manner of vibrators, motor driven dildos and the infamous Sybian orgasm machine in high quality stereo movies.

If you're looking for any of the following hot porn subjects, you can find them at SexMapper.



Comparison of credit cards, mortgages, loans, savings accounts and insurance
Rates & News
Advice
Automobiles
CDs / Savings
Checking & ATM
Credit cards NEW
Credit unions
Frugal U.
Home equity HOT
Insurance
Investing
IRA Center
Money markets
Mortgages
Mortgages - Refi
Moving
Online finance
Personal loans
Problem credit
Research your bank
Small Business
Taxes
Web banking deals
Finance advice

•  Refinance my mortgage  •   Buy a home?     •  Use my home equity?  •  More    What Bankrate users are reading:    •  10 new tax laws to know  •  Top home equity scams    •  How long to keep financial records  •  More    Calculators    •  Can I afford that house?  •  Saving enough for college?    •  How long will savings last?  •  More    Glossary    •  Mortgage terms  •  Home equity terms    •  Credit card terms  •  More
One-call fraud alerts activated -- Victims of identity theft can now put fraud alerts on all three credit reports with one phone call, but is it enough to thwart this escalating crime?

Credit card penalty fees keep going up -- Being late or over the limit can throw you into a spiral of debt.
Penalty fees roundup
Who's eyeing your payments?


Abbott Labs USA  (Pharmaceuticals)   Financial Information The News Alcoa USA  (Mining)       Allied Signal USA  (Diversified Industrials)       Amazon.com USA  (General Retailers)       American Express USA  (Speciality & Other Finance)   Investor Relations Latest News American General USA  (Life Assurance)       American International USA  (Insurance)       American Medical International USA       AmeriTech USA  (Americans)   Investor Relations
Corporate Information News Source Anheuser-Busch USA (Beverages)       AOL Time Warner USA (Media & Photography)       Aon USA (Insurance)       Apple Computer USA OFEX       Asarco USA       Ashanti Goldfields USA (Mining)       AT&T USA (Telecommunications)   Investor Relations What's New Atlantic Richfield USA (Oil & Gas)       Aviva Petroleum USA (Oil & Gas)       Bank of America USA (Banks)       Baxter Corporation USA (Health)       Bell Atlantic USA (Telecommunications)       BellSouth USA (Telecommunications)   Investor Information Newsroom Bethlehem Steel USA (Steel & Other Metals)       Boeing USA (Aerospace & Defence)   Investor/Financial News Bowater USA (Forestry & Paper)       Brunswick Corporation USA (Leisure, Entertainment & Hotels)       Campbell Soup USA (Food Producers & Processors)       Caterpillar USA (Engineering & Machinery)       Centex USA (Construction & Building Materials)       Chase Manhattan USA (Banks)       Chevron USA (Oil & Gas)       Cisco USA (IT Hardware)       Citigroup Inc USA (Banks)       Coastal Group USA (Oil & Gas)       Coca Cola Company USA (Beverages)       Colgate-Palmolive USA (Personal Care & Household Products)       Compaq Computer USA (IT Hardware)       CSX USA (Transport)       Dairy Farm USA (Food & Drug Retailers)       Decora Industries USA (Americans)       Dell Computers USA (IT Hardware)       Dover USA (Engineering & Machinery)       Dow Chemical USA (Chemicals)       Dupont USA (Chemicals)       Eastman Kodak USA (Media & Photography)       Eaton USA (Electronic & Electrical Equipment)       Elan Corporation USA       Electronic Data Systems (EDS) USA (Software & Computer Services)   investor information newsroom EMC Corp USA (IT Hardware)       Engelhard USA (Chemicals)       Enron USA (Distributors)       Evergreen Resources USA (Oil & Gas)       Exxon Mobil USA (Oil & Gas)       Fluor USA (Support Services)       Ford Motor USA (Automobiles)   Shareholders Press Room Fortune Brands USA (Engineering & Machinery)       Franklin Resources USA (Speciality & Other Finance)       GATX Terminals USA (Transport)       General Electric (US) USA (Diversified Industrials)       General Motors USA (Automobiles)   see About Our Company see About Our Company Gillette USA (Personal Care & Household Products)       Global Telesystems USA OFEX (Telecommunications)   Investor Relations News & Info GTE USA (Telecommunications)       Hasbro USA (Leisure, Entertainment & Hotels)   Corporate Information see under Corporate Information Hercules USA (Chemicals)       Hewlett Packard USA (IT Hardware)       Home Depot USA (General Retailers)       Honeywell USA (IT Hardware)   Investor Relations   IBM USA (IT Hardware)       Ingersoll Rand USA (Engineering & Machinery)       Intel USA (IT Hardware)       International Paper USA (Forestry & Paper)       International Surgical Systems USA OFEX (Health)       ITT Industries USA (Engineering & Machinery)       Johnson & Johnson USA (Pharmaceuticals)       Lilly (Eli) USA (Pharmaceuticals)   Financials   Limited USA (General Retailers)       Lowe's USA (General Retailers)       Lucent Technologies USA (IT Hardware)       Manpower USA (Support Services)       Marsh & McLennan USA (Insurance)       McDonalds Corp USA (Leisure, Entertainment & Hotels)       Merck USA (Pharmaceuticals)       Merrill Lynch USA (Speciality & Other Finance)       Microsoft USA (Software & Computer Services)       MidAmerican Energy Holdings USA (Electricity)       Millenium Chemicals USA (Chemicals)       Minnesota Mining & Manufacturing USA       Molex USA (IT Hardware)       Morgan (JP) USA (Banks)       Motorola USA (IT Hardware)   see News News NASDAQ 100 Trust USA (Investment Companies)       Network Associates USA OFEX       NTL Incorporated USA (Media & Photography)   investor relations press office Occidental Petroleum USA (Oil & Gas)       Optometrics Corporation USA       Oracle USA (Software & Computer Services)       Orthovita USA OFEX (Pharmaceuticals)   Investor Relations   Pall USA (Americans)       Palm USA (IT Hardware)       Pennzoil-Quaker State USA (Oil & Gas)       Pfizer USA (Pharmaceuticals)   Investing in Pfizer Pfizer Press Releases Philip Morris USA (Tobacco)       Pixtech Inc USA OFEX (IT Hardware)   Investor Relations News Pokphand (Charoen) USA (Food Producers & Processors)       Premark USA       Prime Response USA OFEX (Software & Computer Services)       Proctor & Gamble USA (Household Goods & Textiles)       Quaker Oats USA (Food Producers & Processors)       Quarto USA (Media & Photography)       Republic New York USA (Banks)       R.H. Donnelley Corp USA (Media & Photography)       Rockwell USA (Electronic & Electrical Equipment)   see home page see home page Royal Gold USA (Mining)       Sara Lee USA (Food Producers & Processors)       SBC Communications USA       Schlumberger USA (Oil & Gas)       Sea Containers USA (Transport)       Sears, Roebuck USA (General Retailers)       Sothebys USA (General Retailers)       St Paul Companies USA (Insurance)       Sun Microsystems USA (IT Hardware)       Tenneco USA (Americans)       Texaco USA (Oil & Gas)   Investor Relations Press Center Torchmark USA (Insurance)       Transamerica USA       TRW USA (Diversified Industrials)       Turbodyne Technology USA OFEX (Automobiles)   Financials Press Room Tyco International USA (Support Services)   financial info news Unisys USA (IT Hardware)       United Technologies Group USA (Aerospace & Defence)       Venator USA (General Retailers)       Walmart Stores Inc USA (General Retailers)       Warner-Lambert USA (Pharmaceuticals)   Investor Relations News Center XCL USA (Oil & Gas)       Xerox USA (IT Hardware)   Investor Information   XO Communications USA (Telecommunications)       Xoom.com USA OFEX (Software & Computer Services)       Yahoo USA

Analysis
Applying corporate lessons to the family budget -- Companies have reacted smartly to the economic environment, and you should learn some of the same moves. 
ATMs/debit cards

ATM/debit card basics
Click here
 
Credit cards

checking basics
Click here
 
Mortgages

mortgage basics

Click here
 
Savings

savings bascis
Click here
 
Auto loans

Auto basics
Click here
 
Credit reports

credit report basics
Click here
 
Online banking

online banking basics
Click here
 
Small business

small business basics
Click here
 
Checking

Checking basics
Click here
 
Home equity

home equity basics
Click here
 
Personal loans

personal loan basics
Click here
 
Taxes


Site Map Pages
Selling Life Insurance
Return On Investment In Manufacturing
Selling Stock For Tax Losses
Return On Investment In Training
Semiconductor Acquisitions And Mergers
Semiconductor Business News
Seminars On Credit Counseling Atlanta
Seminars On Investing In Real Estate
Company Mergers Aquisitions
Company Recession
Company Rumors
Company Saving Money
Company Symbols For Stock Market
Company Takeovers
Compaq Merger
Compare Best Credit Cards
Compare Credit Cards
Return On Investment Models
Compare Discount Stock Brokers
Return On Investment Of Megatouch Games
Return On Investment Plan
Return On Investment Ratio
Senator Kit Bond
Return On Investment Report
Send A Money Wire Transfer
Return On Investment Reports
Send Money Online
Return On Investment Roi Calculate
Send Money Order
Return On Investment Roi Formulas
Send Money Order Online
Return On Investment Security Provisioning Tool
Senior Citizen Financial Assistance
Return On Investment Worksheet
Senior Citizens Financial Problems
Senior Financial Assistance Colorado
Senior Financial Assistance Denver
Senior Financial Help
Compare Home Equity Rates
Compare Home Equity Rates
Compare Interest Rates
Compare Interest Ratesrefinance Mortage Rates
Compare Morgage Interest Rates
Compare Mortgage Interest Rates
Idaho State Tax Commission
Compare Mutual Funds
Idaho Tax Commission
Compare Savings Account Interest Rates
Compare Student Loan Consolidation
Idaho Unemployment
Compare Term Life Insurance
Return On Investments
Ideal Financial Inc
Return On Investments Information Systems Templates
Ideas For New Businesses
Return On Investments Templates
Ideas For Saving Money
Returns On Investment
Ideas On Saving Money
Senior Life Insurance
ReutersCommodities Energy And Financial Futures Help
Idex Mutual Funds
Senior Life Settlements
Reuters Breaking News
IDS Financial Services
Senior Retirement Communities
Reuters Business News
Ids Life Insurance Company
Senior Settlement
Reuters Daily Exchange Rates
Senior Settlement Industry
Reuters News
Senior Settlements
Revenue Canada Capital Gains
Sep Ira
Sep Ira 2002
Sep Ira Contribution Limits
Sep Ira Contributions For 2002
Compare Variable Annuities
Comparing Debt Reduction
Comparing Economic Systems
Comparison Budgeting
Comparison Debt Reduction
Comparison Joint Ventures Mergers Acquisitions
Illegal Income Tax
Comparison Of Annuities
Comparisson Of Home Equity Loans
Illegal Insider Trading
Competitive Term Life Insurance
Illegitimatechilds Inheritance
Complaints Against Debt Management Companies
Reverse Annuity Mortgage
Illinios Interest Rates
Reverse Annuity Mortgages
Illinois Bankruptcy
Reverse Merger
Illinois Breaking News
Reverse Mergers
Illinois Businesses For Sale
Sep Iras
Reverse Stock Split
Illinois Chapter 7 Exemption Definition
September 11 Attack And Us Economy
Reverse Subsidiary Merger
Illinois Consolidated
September 11 Economy
Reverse Triangular Merger
Illinois Consolidated
September Us Economic Downturn
Reversing Gum Recession
Septemeber 11th Breaking News
Reviewon Japanese Recession
Series E Bond
Review Consumer Credit Counseling
Series E Bonds
Series E Savings Bonds
Series Ee Bond Values
Series Ee Bonds
Complaints On Debt Consolidation
Complete Ferengi Rules Of Acquisition
Completely Free Credit Reports
Bond Money Home Loans
Component Of Gdp Affected By Interest Rates
Bond Movies
Components Of Gdp
Bond Music
Compounding Interest Rates
Bond Mutual Funds
Computer Finance
Bond Paper
Illinois Debt Collection Laws
Comprehensive Strategic Planning Model
Bond Place Hotel
Illinois Debt Collection Laws
Comptroller Of Currency
Bond Prices
Illinois Debtor Rights
Comptroller Of The Currency
Bond Pricing
Review Debt Consolidation
Illinois Department Of Insurance
Bond Quotes
Review Genus Debt Management
Illinois Department Of Unemployment
Bond Rates
Review Management Buyout
Illinois Foreign Exchange Programs
Review Of Economics And Statistics
Illinois Government Financial Problems
Revolutionary War Pension
Illinois Home Equity Loan
Revolutionary War Pension Applications
Illinois Income Tax
Revolutionary War Pension Records
Illinois Interest Rates
Revolutionary War Pensions
Reward Credit Cards
Rewarding Employees For Money Saving Ideas
Bond Rating
Bond Ratings
Bond Trading
Bond University
Bond Valuation
Illinois Law On Debtors
Bond Women
Illinois Malpractice Settlements
Bond Yield Calculator
Illinois Municipal Retirement Fund
Bond Yields
Rewards Credit Cards
Illinois Rotator Cuff Settlement
Bonded Collection Agency
Rf Variable Attenuator
Illinois Sales Tax
Bonds
Rfp Strategic Planning
Illinois State Income Tax
Rg Banknote
Illinois Student Loan Consolidation
Rheostat 10k
Illinois Teacher Retirement
Rhinebeck Savings Bank
Illinois Unclaimed Inheritance
Rhode Island And Debt Collection
Illinois Unemployment
Rhode Island Credit Counseling
Rhode Island Venture Capital
Richland County Ohio Financial Help
Bonds Interest Rates
Bonds T-shirts
Bonds Underwear
Bongs Canadian Dollars
Bonus Annuities
Illinois Unemployment Benefits
Boob Inflation Movies
Illinois Unemployment Compensation
Books On Saving Money
Illinois Unemployment Office
Books Securities Law
Richmond County Savings Bank
Illinois Venture Capital Association
Booms And Recessions
Ridgewood Savings Bank
Illinois Venture Capital Firms
Boosting The Net Economy 2000
Rifle Stock
Image Us Banknote
Rifle Stocks
Imagine Venture Capital
Right Of Recession
Imb Finance And Securities
Right Of Way Acquisition
IMBS Collection Agency
Rise Of The Euro Aginest The Us Dollars
IMC Credit Services
Risk Arbitrage
Risk Arbitrage Situations
Risk Budgeting
Bootleg Stock Trading Software
Borrow Against 401k
Borrowing Against 401k
Borrowing From 401k
Borrowing From 401k Information
Imclone Insider Trading
Boston Acoustics System 10k
Immediate Annuities
Boston And Hedge Funds
Immediate Annuity
Boston Breaking News
Risk Investment
Immediate Annuity Calculator
Boston Business Journal
Risk Management Collection Agency
Immediate Annuity Prices
Boston Escorts Take Amex
Risk Management Ipo
Immediate Annuity Quote
Risk Structure Of Interest Rates
Immediate Annuity Quotes
Risk-free Arbitrage
Immediate Annuity Quotes Online
Risky Business
Immediate Annuity Rate
Ritz At The Bourse
Immediate Annuity Rates
Riverside 10k
Rmb Currency
Roaming Strategic Planning
Boston Federal Savings
Home Equityloans
Boston Federal Savings Bank
Home Equity Boca Raton
Boston Financial Data Services
Home Equity Calculator
Boston Hedge Funds
Home Equity Calculator
Boston News
Immediate Fixed Annuities
Home Equity California
Boston Stock Exchange
Immediate Fixed Annuity
Home Equity Cash Out
Boston Venture Capital Companies
Immediate Guaranteed Annuity
Home Equity Cendant
Botswana Pula Forex Rates
Roanoke Settlement
Immediate Income Annuity
Home Equity Colorado
Bottled Water Companies For Sale
Robins Federal Credit Union
Immediate Personal Loans
Home Equity Comparative Rates
Boulder 10k
Rochester Home Equity
Immediateannuity
Home Equity Credit Card
Rock Financial
Immigration And The Economy
Rockland Journal News
Immigration Breaking News
Rockport Lira
Instant Unsecured Personal Loans
Immigration In Germany And The European Union
Rocky Mountain News
Instantaneous Stock Quotes
Impac Financial Services
Roi Calculate
Instep 10k Double Jogging Strollers
Roi Calculation
Instep 10k Ka275
Roi Calculator
Instep 10k Ultimate
Instep 10k Ultimate Double
Institut De Recherchehedge Funds
Institute For International Economics
Institute Of Certified Financial Planners
Institute Of Investment Management And Research Iimr
Boulder Venture Capital
Home Finance
Bourse
Home Equity Credit Line
Bourse Air France
Home Equity Credit Line Rates
Bourse Apprentissage Suisse
Home Equity Credit Lines
Bourse Bilier
Impact Of Fiscal Policies On Gdp
Home Equity Daytona
Bourse Bruxelles
Impact Of Fiscal Policy On Gdp
Home Equity Denver
Bourse Building
Impact Of Gdp On Djia
Home Equity Florida
Bourse Daffaires
Roi Return On Investment Calculation Process
Impact Of Inflation
Home Equity Fort Lauderdale
Bourse De Bruxelles En Direct
Role Of Finance In Strategic Planning
Impact Of Internet Stock Trading
Home Equity Fort Myers
Bourse De Formation
Role Of The European Union In The World
Impact Of The Euro Worldwide
Home Equity Gift
Rolling A 401k To 403b
Impact Of The European Union
Rolling Stock
Imperial Consolidated
Rolling Stocks
Institute Of Psychology And Investing
Implications Of Exchange Rates In Multinationalcompanies
Rollover 401k
Institutional Clients Mutual Funds 35 Countries
Importance Of Saving Money
Rollover Ira
Institutional Investing
Rollover Pension
Institutional Investment Adviser
Roman Economy
Insurance
Insurance Agents
Insurance And Financial Services At Allstatecom
Insurance And Settlement
Insurance Annuities
Insurance Annuities Bonds Arbitrage
Banking And Investment Software
Banking Finance Job
Banking Industry Vs Financial Investment Indust Ry
Banking Interest Rates
Bourse De La Societe De Chimie Therapeutique
Banking Investment Guidelines
Home Equity Improvement Amp Home Mortgage Loan QuotesRates
Bourse De Limmobilier
Banking Mergersacquisitions
Home Equity Information
Bourse De Montreal
Banking Servicesonline Financial Managementmortgage Rate
Home Equity Information
Bourse De Montrial
Banknote Acceptors
Home Equity Interest Rates
Bourse De Pari
Banknote Corporation Of America
Improve Bad Credit
Home Equity Interest Rates
Bourse De Paris
Banknote Counter
Improving Home Equity
Home Equity Jacksonville
Bourse De Toronto
Imputed Income
Home Equity Lender
Bourse De Travail
Impulse Waves And Stock Trading Theory
Home Equity Lenders
Bourse De Tunisie
In Debt Collection Practices
Home Equity Lending
Bourse Des Equipiers
In Step 10k Jogging Stroller
Home Equity Line
Income
Income Annuities
Insurance Annuity
Income Annuity
Insurance Associations
Income Annuity Calculator
Insurance Auto Auction
Insurance Broker Canada Business
Insurance Brokers
Insurance Bureau Of Canada
Insurance Business News
Insurance Businesses For Sale California
Insurance Claims
Insurance Claims Settlements
Banknote Paper
Banknote Personal Check
More info

Welcome to the Legal Zone

There are over 200 pages of help in the four sites in this Zone Area we hope they are of use.

This section contains information on a variety of legal and related subjects including:

Divorce Adviser.com including:

5 Stage Divorce , Children and Divorce , Assets , Sharing Pensions , A Clean Break , Mediation , Legal Advisers , DIY and IT Divorce , Costs of Divorce , Legal Aid , Ancilliary Relief and much more.   There is even a CSA payment calculator!

Redundancy Adviser.com including:

Redundancy Explained , Employers Pages , Employees Pages , Payment Disputes , Help with lump sums , Help Links , calculators etc.

Wills Adviser.com  including:

Death and no Will , Probate , Executors , Death Tax , How will it affect you ? Business Wills , A tax worth than death ? The 10 Minute on line Will for £25 etc.

Mortgage Crazy.com including:

Mortgage deals search, Types of scheme, Buying & Selling Centre, 2nd Properties & Tax, Equity Release, Legal Centre, Buildings & Contents insurance, Pension Funds can buy property. 
Welcome to the Tax Zone

There are over 100 pages in the three sites in this Zone Area that we have written to help you.

This section contains information on a variety of tax related subjects including basic business accounting, inheritance tax planning and a tax free site.

Accounts Adviser.com deals with how often you should speak to your accountant , should you be a limited company or a partnership/sole trader .  Financing and management information .  Ideas for business owners including a grow your business service .  Details on business Wills , insolvency and  dates for your diary .

Inheritance Adviser.com deals with the facts, your wealth , what happens when you make gifts , how to reduce inheritance tax , how it affects you and whether you are aware of a tax that is worse than the death tax ?  There is also quite a unique calculator to help work out inheritance tax and how a special wording in your Will could save over £100,000 in tax .

Tax Free Adviser.com covers those things that are tax free , tax efficient , your annual allowances , other basic allowances as well as other tips to save tax .

Welcome to the Retirement Zone for Pensions, Retirement and Pensions on Divorce

There are over 140 pages of help in the three sites in this retirement and pensions Zone Area.  We hope they help with your retirement decisions. 

This section contains information on a variety of subjects related to retirement planning including low cost pensions and dealing with pensions on divorce.

Pensions Adviser.com covers all things to do with retirement that concern individuals, business owners and employers.  It has full details on state pensions , frozen pensions and what happens if you divorce .  There is a full glossary and explanation on tyes of plans for individuals, company plans and planning at retirement as well as pension transfer plans and pension life cover .

Stakeholder Cafe.com covers all aspects of the newer low charging stakeholder pension.  It includes an introduction, tax benefits , state pensions , centres for individuals and employers as well as interactive guides for individuals and companies.

Divorce and pensions.com provides history and background to the newer option of sharing pensions on divorce.  It deals with a clean break , offsetting, earmarking and pension sharing .  It explains how court orders are issued, information for pension scheme trustees , legal advisers and our analysis service .

Winner - Small IFA Firm of the Year - Financial Adviser IFA & Provider of the Year Awards 2002.

Pension, ISA and other security Mortgages

In addition to traditional methods such as capital and interest/repayment mortgages and the more risky investment linked mortgages, you can also operate other investment linked interest only mortgages such as Pension Mortgages and ISA mortgages.

Much in the same way as endowment linked mortgages, these other mortgages rely on the performance and release of capital to repay the mortgage at the end of the term.

ISAs

Are used as the savings plan to save up a sum of money for release at a given date.  For details on tax efficient ISA savings plans visit the Savings Adviser.com .

Pension Mortgages

Are used by saving in a pension until the given retirement date and then releasing the tax free cash lump sum to repay the debt.  For details on Pensions visit the Pensions Adviser.com .

High Risk

In our opinion, the above and indeed other savings routes to pay off a mortgage debt are a medium to higher risk strategy and should only be used if you are fully aware of the risks.  Take advice. 

Contact us now if you are considering this type of mortgage.

Mortgage Crazy Quick Links:  Mortgage Broker Deal Search,  Life Insurance Quotations,  Buildings & Contents Ins Quotes .

To get more information about the a news item on this page, secure your financial future or fine-tune your current financial plan request a free confidential consultation with one of our certified British advisors by submitting the contact form or send an email. We promise to respond within 24 hrs.

New Go

Offshore 90% capital guaranteed 5 year offshore investment bond

New Go

Frozen UK pension transfer plans. We now arrange for British expatriates to transfer the value of any frozen pension plans and company schemes they hold in the UK into a personal pension transfer plan.

New Go

Irish Life International launch new offshore income accumulation fund

New Go

Offshore property funds
available to our clients

New Go

Irish Life International launch new multi property fund

New Go

Article, market are generous to long term investors

New Go

New offshore insurance bond for property portfolios

New Email

Skandia moving into European markets. Dublin-based Royal & SunAlliance Eurolife has been acquired by Skandia. This means Skandia can develop its cross-border business in Europe. Eurolife has businesses in Belgium, Germany, Luxembourg, Netherlands, Spain, France, Portugal, Italy and Sweden.

 

 

New property funds

If your looking for excellent annual capital growth of around 9%, not linked to stock market performance, you may wish to consider the following popular funds. They will also be useful as a balance for investors wishing to reduce the risk level of their portfolios.

3 very popular funds

Brandeaux student accommodation fund   8% yr growth - 2000,1,2

Glanmore Property Fund

Irish Life International launch new Multi Property Fund

Contact us for more information

  Email  ?

Irish Life International launch new

Secure growth investment bond - series 11

Provides security and return !

? Largest Insurance, Investment and Pensions Group in Ireland

? Total Group Assets €34.4bn (31.12.02)

? Publicly Quoted Dublin/London

? S&P A+ Credit Rating (31.12.02)

The Secured Growth Bond 11 (SGB 11) provides you with the prospect of higher returns linked to Stockmarket performance, but still without the usual risk to your capital, which is 90% secure. The SGB has a five year fixed term, and returns are directly linked to the performance of four of the leading Stockmarket indices over this period.

The bond offers competitive participation rates of 160% for Sterling investments and 135% for Euro investments.  All investments are linked equally to the performance of the Dow Jones Euro STOXX 50, the FTSE 100, the S&P 500 and the Nikkei 225 index.  This wide spread offers diversification benefits as returns are not dependent on one industry or economy. 

Eunice Dreelan, International Development Manager said “the Secured Growth Bond is now in it’s eleventh issue which is proof that in this low interest rate environment clients want investment options that provide significant capital security while also providing access to global equity markets and potential equity returns. ” which is proof that it provides an extremely effective alternative to traditional cash deposits in this low interest rate environment”. The SGB is available in Sterling and Euro and has a limited offer period from 7 April to 13 June 2003.

Key points

90% Capital Security

Minimum investments €/£ 10,000

Sterling or Euro currency options

Offer period 7 April – 13 June 2003

5 year term

Harnesses the potential growth of the chosen basket:

Dow Jones Euro STOXX 50

FTSE 100

S&P 500

Nikkei 225

Euro example: 135% participation on 100% of the client’s funds received by ILI

Sterling example: 160% participation on 100% of the client’s funds received by ILI

See  Q & A and Policy Conditions

.................................................................................................

Possible Performance for Euro 10,000

Poor market conditions

Actual Return                   -28.30%

Avg. Index Return               12.99%

Participation (160%)           20.79%

Return to Client          10.79%

Plus 90% Initial Capital Invested

Investment Example

Investment Amount       
    €10,000

Investment Return            
€2,079

Secured Capital Return  
  €9,000

Total Return         €11,079

Performance figures do not include income distribution

.................................................................................................

Possible Performance for Euro 10,000

Good market conditions

Actual Return                    92.99%

Avg. Index Return              36.50%

Participation (160%)          58.40%

Return to Client                 48.40%

PLUS 90% Initial capital investment

Investment Example

Investment amount      €10,000

Investment Return              €5,840

90% Initial Capital Return  
 €9,000

Total Return          €14,840

Performance figures do not include income distribution

Contact us for more information

  Email  ?

 

 

3 March 2003 Irish Life International launch new income accumulation fund

Due to the equity market conditions over the last number of years there has been a substantial demand for low risk investments from investors. However with traditional low risk yields so low, it is difficult to generate a reasonable level of return without taking on substantial credit or equity risk which is exactly what investors are looking to avoid.

To address this customer need, Irish Life International have launched the new USD Income Accumulation Fund which aims to provide a regular yield with low credit risk and extremely low volatility.

The initial asset allocation is to 5 bond and cash portfolios with the largest allocation going to a Specialist Mortgage Bond Portfolio. This portfolio invests in US government sponsored agency mortgages and has an 8-year track record of managing low volatility mortgage-backed bond portfolios using leverage to enhance the returns.

The Income Accumulation Fund is open-ended, and is expected to generate net dollar returns to investors of at least 2% p.a. in excess of the 1 month Treasury Bill (Cash) Index over the short to medium term.

The fund was launched on 3rd March and is available through the Irish Life International range of investment products which uses Irish Life International Multi-Managers innovative multi-adviser performance system (MAPS) which aims to achieve above average returns with below average volatility over a 3 year rolling basis.

Contact us for more information

  Email  ?

 

Irish Life International launch new multi property fund

Irish Life International launch new Multi Property Fund. This is made up of Ground Rents, Student Accommodation and Commercial Property. This is managed using UK based assets. The returns on the fund have been.

1 year - 8.8%

3 years - 8.2% p.a.

5 years - 8.9% p.a.

http://www.irishlifeinternational.com/

Contact us for more information

  Email  ?

A unique solution to reduce tax on property portfolios.

For investment property portfolios valued at GBP 1,000,000 plus

Recently a very specialised offshore insurance bond has been developed with the specific purpose of holding within it property portfolios of GBP 1,000,000 plus. These bonds are used by UK expatriates, planning to return to the UK, to avoid capital gains and inheritance tax on the investment properties.

The property bond is uniquely structured to hold only property and is part of a larger financial stratergy to legally mitigate UK tax.

The benefit to each client must be looked at on an individual basis therefore we cannot generalise here and recommend you contact us for more information.

Offshore advice process

What you can expect from us

    #

      Wherever you live we will  work with you to define your present, short, medium and long term financial objectives.
    #

      We find and recommend a suitable course of action to ensure your objectives are achieved.
    #

      We present our recommendations to you in a manner you can easily understand and implement.
    #

      We provide on going assistance and value long term client relationships.
    #

      We dedicate our time to your financial planning leaving you free to concentrate on other things. 

How we do this

    #

      We complete a through confidential fact-finding process to determine your financial goals and vision of the future.
    #

      We use your goals as a guide to develop a uniquely tailored financial plan to become your basis for future action.
    #

      We help you to implement the plan.
    #

      We provide ongoing support after your plan is implemented to monitor performance and make sure you meet your objectives. 

Arrange a consultation now

To secure your financial future or fine-tune your current financial plan request a free confidential consultation with one of our certified British advisors by submitting the contact form or send an email. We will be happy to discuss your requirements with you and promise to respond within 24 hrs.

Offshore investment for expatriates

We help you to invest offshore

We provide expats with offshore investment advice and offshore investment product recommendations. To see if we can help you invest offshore please read this page and request a free confidential consultation with one of our certified British advisors by submitting the (contact form) or sending an email. We will respond within 48 hours.
Offshore tax havens

Our independent status gives our clients access to the best financial products and institutions in the following European offshore financial service centres.

?  Dublin - Isle of Man - Guernsey - Luxembourg - Jersey

These offshore locations have strict regulatory bodies to guarantee all financial institutions established in their jurisdictions comply fully with laws designed to protect client interests.

Offshore financial institutions

We are affiliated to the best known European offshore insurance companies. These companies provide insurance linked bonds designed specifically to meet the needs of international expat investors for single and regular investment offshore.

Offshore investment bonds

Offshore insurance linked investment bonds are a popular investment vehicle among international expatriates for single premium investment with a minimum term of 5 years.

Their popularity is largely due to their cost effectiveness and tax advantages. Offshore bonds allow owners the flexibility to maintain a personalised portfolio of offshore investment funds within a single structure. Initial investment can start as low as Euro 10,000.

Offshore insurance bonds give expatriates access to the world's largest offshore investment fund management groups at institutional investor rates and provide them with the  flexibility to build a portfolio of top investment funds to match their investment objectives within a single centre of administration.

See   Offshore bonds page

High
net worth investors

For high net worth investors there are also personalised portfolio bonds. These bonds are designed to
include virtually any of the investments quoted on the world’s leading stock-markets, including:

? Stocks and shares

? Fixed interest securities

? Selected currency deposits

? Offshore or authorised unit and investment trusts

? Private company shares

See  High net worth clients

Tax benefits

The main reason international expatriates prefer to use offshore bonds for their investments is because the underlying investment funds linked to a bond are owned by the Life Company.  All income and capital gains arising within the funds are reinvested into units within the fund. Life companies based offshore do not pay tax on income or capital gains within the underlying funds.  Therefore, once invested, and apart from any withholding of tax deducted at source, an investor’s capital can accumulate entirely free of tax.

If you want benefit from the advantages gained by investing offshore we can offer you independent advice to maximise on the opportunities available to you.

See

UK tax information  

French tax information

Belgium tax information

More info for expats

Risk

Experienced investors
understand that to achieve rewards it is necessary to take risks. Every investor has a personal risk threshold and should recognise this when assessing their potential investment rewards.

Expats must take into account their time horizon for any investment. Capital required in the short term for emergencies or important purchases should be keep in cash.

However if an investor only requires limited access to the full value of their investment over the long term the effects of short term market volatility will play a significantly less important role in their investment planning.

Expats who cannot accept the prospect of potential looses during the early years of an investment should opt for guaranteed or with profit style investments. To benefit from the guarantees and bonuses associated with these risk adverse products investors must be prepared to leave their capital invested without access for terms of at least 5 years.

See article   Markets are generous to long term investors

See webpage   Investment timing

Arrange a consultation now

To discuss making an offshore investment or restructuring your current assets request a free confidential consultation with one of our certified British advisors by submitting the (contact form) or send an email. We will be happy to discuss your requirements with you and promise to respond within 24 hrs.

To get more information about the a news item on this page, secure your financial future or fine-tune your current financial plan request a free confidential consultation with one of our certified British advisors by submitting the contact form or send an email. We promise to respond within 24 hrs.

New Go

Offshore 90% capital guaranteed 5 year offshore investment bond

New Go

Frozen UK pension transfer plans. We now arrange for British expatriates to transfer the value of any frozen pension plans and company schemes they hold in the UK into a personal pension transfer plan.

New Go

Irish Life International launch new offshore income accumulation fund

New Go

Offshore property funds
available to our clients

New Go

Irish Life International launch new multi property fund

New Go

Article, market are generous to long term investors

New Go

New offshore insurance bond for property portfolios

New Email

Skandia moving into European markets. Dublin-based Royal & SunAlliance Eurolife has been acquired by Skandia. This means Skandia can develop its cross-border business in Europe. Eurolife has businesses in Belgium, Germany, Luxembourg, Netherlands, Spain, France, Portugal, Italy and Sweden.

 

 

New property funds

If your looking for excellent annual capital growth of around 9%, not linked to stock market performance, you may wish to consider the following popular funds. They will also be useful as a balance for investors wishing to reduce the risk level of their portfolios.

3 very popular funds

Brandeaux student accommodation fund   8% yr growth - 2000,1,2

Glanmore Property Fund

Irish Life International launch new Multi Property Fund

Contact us for more information

  Email  ?

Irish Life International launch new

Secure growth investment bond - series 11

Provides security and return !

? Largest Insurance, Investment and Pensions Group in Ireland

? Total Group Assets €34.4bn (31.12.02)

? Publicly Quoted Dublin/London

? S&P A+ Credit Rating (31.12.02)

The Secured Growth Bond 11 (SGB 11) provides you with the prospect of higher returns linked to Stockmarket performance, but still without the usual risk to your capital, which is 90% secure. The SGB has a five year fixed term, and returns are directly linked to the performance of four of the leading Stockmarket indices over this period.

The bond offers competitive participation rates of 160% for Sterling investments and 135% for Euro investments.  All investments are linked equally to the performance of the Dow Jones Euro STOXX 50, the FTSE 100, the S&P 500 and the Nikkei 225 index.  This wide spread offers diversification benefits as returns are not dependent on one industry or economy. 

Eunice Dreelan, International Development Manager said “the Secured Growth Bond is now in it’s eleventh issue which is proof that in this low interest rate environment clients want investment options that provide significant capital security while also providing access to global equity markets and potential equity returns. ” which is proof that it provides an extremely effective alternative to traditional cash deposits in this low interest rate environment”. The SGB is available in Sterling and Euro and has a limited offer period from 7 April to 13 June 2003.

Key points

90% Capital Security

Minimum investments €/£ 10,000

Sterling or Euro currency options

Offer period 7 April – 13 June 2003

5 year term

Harnesses the potential growth of the chosen basket:

Dow Jones Euro STOXX 50

FTSE 100

S&P 500

Nikkei 225

Euro example: 135% participation on 100% of the client’s funds received by ILI

Sterling example: 160% participation on 100% of the client’s funds received by ILI

See  Q & A and Policy Conditions

.................................................................................................

Possible Performance for Euro 10,000

Poor market conditions

Actual Return                   -28.30%

Avg. Index Return               12.99%

Participation (160%)           20.79%

Return to Client          10.79%

Plus 90% Initial Capital Invested

Investment Example

Investment Amount       
    €10,000

Investment Return            
€2,079

Secured Capital Return  
  €9,000

Total Return         €11,079

Performance figures do not include income distribution

.................................................................................................

Possible Performance for Euro 10,000

Good market conditions

Actual Return                    92.99%

Avg. Index Return              36.50%

Participation (160%)          58.40%

Return to Client                 48.40%

PLUS 90% Initial capital investment

Investment Example

Investment amount      €10,000

Investment Return              €5,840

90% Initial Capital Return  
 €9,000

Total Return          €14,840

Performance figures do not include income distribution

Contact us for more information

  Email  ?

 

 

3 March 2003 Irish Life International launch new income accumulation fund

Due to the equity market conditions over the last number of years there has been a substantial demand for low risk investments from investors. However with traditional low risk yields so low, it is difficult to generate a reasonable level of return without taking on substantial credit or equity risk which is exactly what investors are looking to avoid.

To address this customer need, Irish Life International have launched the new USD Income Accumulation Fund which aims to provide a regular yield with low credit risk and extremely low volatility.

The initial asset allocation is to 5 bond and cash portfolios with the largest allocation going to a Specialist Mortgage Bond Portfolio. This portfolio invests in US government sponsored agency mortgages and has an 8-year track record of managing low volatility mortgage-backed bond portfolios using leverage to enhance the returns.

The Income Accumulation Fund is open-ended, and is expected to generate net dollar returns to investors of at least 2% p.a. in excess of the 1 month Treasury Bill (Cash) Index over the short to medium term.

The fund was launched on 3rd March and is available through the Irish Life International range of investment products which uses Irish Life International Multi-Managers innovative multi-adviser performance system (MAPS) which aims to achieve above average returns with below average volatility over a 3 year rolling basis.

Contact us for more information

  Email  ?

 

Irish Life International launch new multi property fund

Irish Life International launch new Multi Property Fund. This is made up of Ground Rents, Student Accommodation and Commercial Property. This is managed using UK based assets. The returns on the fund have been.

1 year - 8.8%

3 years - 8.2% p.a.

5 years - 8.9% p.a.

http://www.irishlifeinternational.com/

Contact us for more information

  Email  ?

A unique solution to reduce tax on property portfolios.

For investment property portfolios valued at GBP 1,000,000 plus

Recently a very specialised offshore insurance bond has been developed with the specific purpose of holding within it property portfolios of GBP 1,000,000 plus. These bonds are used by UK expatriates, planning to return to the UK, to avoid capital gains and inheritance tax on the investment properties.

The property bond is uniquely structured to hold only property and is part of a larger financial stratergy to legally mitigate UK tax.

The benefit to each client must be looked at on an individual basis therefore we cannot generalise here and recommend you contact us for more information.
Expat investment Offshore investment Offshore investment bonds Offshore investment funds Offshore investment timing Offshore client protection Offshore tax havens High net worth clients ? Expat pensions Offshore pension plans Offshore pension income Women pensions Uk frozen pension transfers European protection Pension calculator ? Expat life insurance Level term life insurance Whole of life insurance ? Quote form ? Expat savings Offshore savings plans Dollar cost averaging Investor protection ? Expat health insurance Critical illness insurance ? Quote form Income protection ? Quote form ? Expat education fees Education costs and fees Education links ? Expat tax and law Expatriate tax Expat inheritance tax UK tax Belgium tax French tax Expat tax evasion Wills for expats ? Expat trusts Expat offshore trusts ? Company incorporation Company incorporation ? Expat financial Expat financial questions ? Financial Financial market reports Currency converter Belgium Belgium mortgages Personal finance seminars Home and car insurance Hospital medical insurance Useful Links Expatriate links Submit a link



You want to see a teenage girl give herself an orgasm? Yeah? Then sign up with Orgasmaniacs!
ENTER
EXIT

SEXMAPPER.com TGP












Index

Copyright 2001 SEXMAPPER.com All rights reserved.