MinComercio reglamenta la Ley de la Libranza o descuento directo

MinComercio reglamenta la Ley de la Libranza o descuento directo

El Ministerio de Comercio, Industria y Turismo -MinCIT- expidió el Decreto 1008 de 2020, por el cual se reglamenta la Ley 1902 de 2018, se modifican los Capítulos 49 y 54 del Titulo 2 de la Parte 2 del Libro 2 del Decreto Unico Reglamentario del Sector Comercio Industria y Turismo, número 1074 de 2015 y se dictan otras disposiciones.

A continuación se destacan los aspectos más relevantes de la normativa expedida:

Registro Único Nacional de Entidades Operadoras de Libranza -RUNEOL-

Uno de los capítulos modificados tiene por objeto reglamentar el Registro Único Nacional de Entidades Operadoras de Libranza o Descuento Directo (Runeol), el cual consiste en:

1. La anotación electrónica que realizarán las Cámaras de Comercio de manera virtual, con el fin de darle publicidad a los operadores de libranza o descuento directo que cumplan con los requisitos establecidos en la ley, en las demás normas reglamentarias y complementarias, así como también a las entidades administradoras de créditos de libranza a las que se les haya asignado el código IJnico de reconocimiento a nivel nacional, y

2. La anotación electrónica que realizarán las Cámaras de Comercio de manera virtual, con el fin de darle publicidad a la información de las operaciones de compra, venta y gravámenes que se hayan efectuado respecto de los derechos patrimoniales de contenido crediticio derivados de operaciones de libranza, durante el tiempo que dichas operaciones y actos jurídicos se encuentren vigentes, realizados por entidades no vjgiladas por la Superintendencia Financiera de Colombia, conforme al cumplimiento de los requisitos legales.

En el Runeol, administrado por las Cámaras de Comercio, se efectuará la anotación electrónica de los siguientes actos:

1. La inscripción, actualización, renovación y cancelación de los operadores de libranza de que trata el artículo 14 de Ley 1527 de 2012, y

2. La información de las operaciones de compra, venta y gravámenes que se efectúen respecto de los derechos patrimoniales de contenido crediticio derivados de operaciones de libranza, realizados por entidades no vigiladas por la Superintendencia FinanCiera de Colombia, conforme lo establecido en el artículo 9° de la Ley 1902 de 2018.

Medidas de protección para el comprador de derechos patrimoniales de contenido crediticio derivados de operaciones de libranza

El objeto de este capítulo, es reglamentar las medidas de protección para los compradores de derechos patrimoniales de contenido crediticio derivados de operaciones de libranza, a entidades no vigiladas por la Superintendencia Financiera de Colombia a que se refiere el artículo 18 de la Ley 1527 de 2012, adicionado por el artículo r de la Ley 1902 de 2018, bien sea que la venta se realice con responsabilidad cambiaria del vendedor o sin ella, o en el caso de cesión, con garantía de solvencia del deudor o sin ella.

Debe señalarse que las disposiciones contempladas en dicho capítulo se aplicarán siempre que el comprador y el vendedor sean personas no sometidas a la vigilancia de la Superintendencia Financiera de Colombia.

Obligación de información sobre los riesgos de la operación y la situación de la cartera comprada

El Vendedor y su Administrador deberán informar al Comprador sobre los riesgos de la operación, de lo cual deberá quedar una constancia escrita firmada por el Comprador sobre las siguientes advertencias:

1. Que le informaron acerca de los riesgos de la operación de libranza que pueden afectar el recaudo de las amortizaciones del crédito esperado por el Comprador, así como de la posibilidad de que el descuento de nómina, honorarios o pensiones no opere, y de otros que se especifiquen en la constancia escrita que firme el Comprador. La constancia escrita de que trata el presente artículo, deberá incluir cuando menos los siguientes riesgos: que el deudor podría incumplir la obligación; que la obligación sea pagada anticipadamente; que el salario, remuneración o pensión del deudor sean objeto de medidas cautelares por parte de otros acreedores; que podría ocurrir la terminación o cambio de la relación jurídica entre el deudor, y la entidad pagadora; que podrían darse modificaciones en la periodicidad de pago y monto de las cuotas por parte del deudor por cambios en la capacidad de descuento al deudor; que podrían originarse riesgos de los regímenes laborales o pensionales de los deudores que afecten la capacidad de descuento; que podrían originarse riesgos que afecten la solvencia de las entidades que participan en la operación (entidad pagadora, vendedores).

2. Que le informaron los resultados de los últimos tres (3) meses previos a la firma del contrato de los indicadores “Calidad de cartera vendida con responsabilidad”, “Calidad de cartera vendida sin responsabilidad”, “Cartera propia” y “Endeudamiento” de que trata este capítulo.

3. Que le informaron todo vínculo existente entre los administradores, asociados o cooperados del Vendedor con los administradores, asociados o cooperados del Comprador y el Administrador. ­

4. Que le informaron sobre la inexistencia de conflictos de interés, en los términos del Capítulo 3 del Título 2 de la Parte 2 del Libro 2 del presente decreto, en las operaciones de libranza objeto de la venta y en los contratos para la adquisición o administración de los créditos libranza vendidos, o en el caso de que los hubiere, que los mismos le fueron revelados.

5. Que le informaron sobre los procedimientos a seguir en caso de incumplimiento por parte del Vendedor, de la entidad operadora u originador, del empleador o del deudor primigenio de la libranza.

6. Que le informaron que la compra de crédito vinculada a operaciones de libranza no implica un rendimiento garantizado y que los recursos entregados no cuentan con garantía del seguro de depósito o de crédito en la operación.

7. Que la entidad operadora de libranza no es una entidad vigilada por la Superintendencia Financiera de Colombia.

8. Que, si la entidad operadora de libranza se encuentra bajo la supervisión de la Superintendencia de Sociedades, las funciones de inspección, vigilancia y control que ésta ejerce, de conformidad con los artículos 82 a 85 de la Ley 222 de 1995, son de naturaleza subjetiva, de manera que se circunscriben a los asuntos societarios de la sociedad operadora de libranzas, más no a la relación de compraventa o el negocio jurídico de transferencia.

9. Si la operadora de libranzas es una entidad cooperativa sujeta a la inspección, vigilancia y control de la Superintendencia de la Economía Solidaria, le corresponde a dicha entidad velar por el cumplimiento de las obligaciones contenidas en el presente capítulo.

10. Que las funciones de fiscalización o supervisión estatal que diferentes autoridades pueden ejercer sobre los distintos intervinientes en la operación, no implican certificación ni garantía sobre la solvencia de los mismos ni la bondad de los títulos.

 

Gestión de riesgos en la administración de las libranzas vendidas

La administración de los créditos libranza sólo podrá hacerse por intermedio de p~ltrimonios autónomos administrados por Sociedades Fiduciarias sujetas a la supervisión de la Superintendencia Financiera de Colombia o Fondos de Inversión Colectiva. Para la gestión de riesgos, el contrato de administración de libranzas deberá establecer como mínimo lo siguiente:

  1. Que en caso de pago total o parcial anticipado del crédito libranza por parte del deudor o un tercero, el pago deberá ser trasladado por el Administrador al comprador en el término pactado o, a falta de ello, en el término de un mes.
  2. Que el crédito libranza parcial o totalmente pagado anticipadamente no podrá ser reemplazado por otro, ni siquiera a cargo del mismo deudor, a menos que así se haya estipulado expresamente entre las partes.
  3. La obligación del Vendedor de transferir al comprador los pagos de cuotas que efectúe el deudor del crédito libranza, con su misma periodicidad de pago, o en el término pactado.
  4. La obligación de emitir a favor del Comprador, en el término pactado o, a falta de ello, mensualmente, extractos sobre el estado del crédito libranza vendido y, en particular, sobre cualquier novedad respecto de este. En especial, el extracto deberá advertir si se realizó un pago anticipado y, en el caso de que haya habido una sustitución del crédito libranza, se deberán informar los datos y entregar los documentos señalados en el parágrafo 1 del artículo anterior.
  5. La obligación de establecer controles para evitar que por errores operativos se venda un mismo crédito libranza a diferentes compradores.

Consulte aquí la totalidad de medidas: Decreto-2020-N0001013_20200714

Deja un comentario

261 Comentarios

  1. Aw, this was an extremely nice post. Spending some time and
    actual effort to produce a really good article… but what can I say… I hesitate
    a whole lot and don’t seem to get nearly anything done.

  2. Wow! In the end I got a weblog from where I know how
    to in fact obtain valuable facts regarding my study and knowledge.

    cheap flights 32hvAj4

  3. What’s up to all, how is all, I think every one is getting more from this web site, and your views are good in support
    of new users. cheap flights 34pIoq5

  4. Excellent blog you have got here.. It’s difficult to find good quality writing like yours these days.
    I honestly appreciate individuals like you! Take care!!
    34pIoq5 cheap flights

  5. You actually make it seem so easy with your presentation however I find this topic to
    be actually one thing that I think I might never understand.
    It kind of feels too complex and very extensive for me.
    I am looking ahead to your subsequent post, I will try to get the hold of it!

  6. Great beat ! I would like to apprentice whilst you
    amend your site, how could i subscribe for a blog website? The account helped me a appropriate deal.
    I have been tiny bit acquainted of this your broadcast provided vibrant clear concept

  7. Excellent goods from you, man. I’ve take
    into accout your stuff previous to and you’re just too excellent.
    I really like what you’ve acquired here, really like what you’re stating and the way during which you
    are saying it. You’re making it enjoyable and you still care
    for to stay it smart. I can’t wait to read much more from you.
    This is really a wonderful web site.

  8. My partner and I absolutely love your blog and find a lot of
    your post’s to be just what I’m looking for.
    Do you offer guest writers to write content available
    for you? I wouldn’t mind writing a post or elaborating on a few of the subjects you write
    with regards to here. Again, awesome blog!

  9. Hey there! I know this is kind of off topic but I was wondering which blog platform
    are you using for this website? I’m getting fed up
    of WordPress because I’ve had problems with hackers and I’m looking at alternatives for
    another platform. I would be great if you could point me in the direction of a good platform.

  10. You actually make it seem so easy with your presentation but I find this matter
    to be really something which I think I would never understand.

    It seems too complicated and extremely broad for me.
    I’m looking forward for your next post, I’ll try to get the hang of it!

  11. Unquestionably consider that that you stated. Your favorite reason seemed to be on the
    internet the easiest factor to take note of. I say to you, I definitely get annoyed at the same time as folks consider concerns that they just don’t recognise
    about. You managed to hit the nail upon the highest as neatly as defined out
    the whole thing without having side-effects ,
    other folks could take a signal. Will probably be again to get more.
    Thank you

  12. Please let me know if you’re looking for a article writer for your blog.
    You have some really good posts and I believe I would be a good
    asset. If you ever want to take some of the load off, I’d love to write some articles for your blog in exchange for
    a link back to mine. Please blast me an email if interested.
    Thanks!

  13. This is the right blog for anybody who wants to understand this topic.
    You realize so much its almost tough to argue with you (not
    that I personally would want to…HaHa). You definitely
    put a fresh spin on a subject that’s been written about for many years.
    Great stuff, just excellent!

  14. It’s perfect time to make some plans for the future and it
    is time to be happy. I’ve read this post and if I could I want
    to suggest you few interesting things or tips. Maybe
    you can write next articles referring to this article.
    I want to read more things about it!

  15. Hello there, You’ve done a great job. I will certainly
    digg it and personally recommend to my friends.
    I’m confident they will be benefited from this website.

  16. When someone writes an paragraph he/she keeps the idea of a user in his/her
    brain that how a user can understand it. Therefore that’s why this piece of writing is amazing.
    Thanks!

  17. An outstanding share! I have just forwarded this onto a
    co-worker who had been doing a little research on this.

    And he in fact ordered me dinner simply because I stumbled upon it for him…
    lol. So allow me to reword this…. Thanks for the meal!! But
    yeah, thanks for spending the time to discuss this issue
    here on your internet site.

  18. First of all I would like to say terrific blog!
    I had a quick question which I’d like to ask if you do not mind.
    I was interested to find out how you center yourself and
    clear your thoughts before writing. I’ve had a difficult
    time 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 wasted
    simply just trying to figure out how to begin. Any suggestions or tips?
    Many thanks!

  19. Howdy! Quick question that’s totally off topic. Do you know how to make your site mobile friendly?
    My weblog looks weird when browsing from my iphone 4.
    I’m trying to find a template or plugin that might be able to fix this issue.
    If you have any recommendations, please share.
    Many thanks!

  20. Hi there, all the time i used to check website posts
    here early in the morning, for the reason that i like to gain knowledge
    of more and more.

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

  22. I just like the valuable info you supply for your articles.

    I will bookmark your blog and take a look at once more here regularly.
    I’m somewhat certain I’ll be told many new stuff proper
    right here! Best of luck for the following!

  23. Very great post. I simply stumbled upon your weblog and wished
    to mention that I’ve really loved surfing around your blog posts.
    In any case I will be subscribing in your rss feed and I hope
    you write once more very soon!

  24. Generally I do not read post on blogs, but I wish to say that this write-up
    very compelled me to check out and do so! Your writing style has
    been surprised me. Thank you, very nice article.

  25. I’m impressed, I must say. Seldom do I encounter a blog that’s both equally educative and amusing, and without a doubt, you have hit
    the nail on the head. The issue is something not enough folks are speaking
    intelligently about. I am very happy I stumbled across this in my hunt
    for something regarding this.

  26. I am curious to find out what blog platform you have been utilizing?
    I’m having some small security issues with my latest website and I’d like to find something more secure.

    Do you have any recommendations?

  27. I believe this is one of the most vital information for me.
    And i’m glad reading your article. But wanna observation on few normal issues,
    The web site style is perfect, the articles is
    actually excellent : D. Excellent task, cheers

  28. Wow, fantastic blog layout! How lengthy have you been running a blog
    for? you made running a blog look easy. The full glance of your web site is magnificent,
    let alone the content material!

  29. Terrific work! This is the kind of information that should be shared around the internet.
    Shame on Google for no longer positioning this publish higher!
    Come on over and visit my website . Thanks =)

  30. For most up-to-date information you have to pay a visit
    world-wide-web and on web I found this site as a best website for most
    up-to-date updates.

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

  32. all the time i used to read smaller articles which as well clear their motive,
    and that is also happening with this article which I am reading now.

  33. Your way of describing the whole thing in this piece
    of writing is genuinely fastidious, all can easily understand it,
    Thanks a lot.

  34. Hello! I know this is somewhat off topic but I was wondering which
    blog platform are you using for this website? I’m getting tired of
    Wordpress because I’ve had problems with hackers and I’m looking at alternatives for another platform.
    I would be fantastic if you could point me in the direction of a
    good platform.

  35. Hi there to every , since I am in fact keen of reading this blog’s post to be updated daily.
    It carries fastidious data.

  36. Good day I am so happy I found your weblog, I really
    found you by accident, while I was looking on Yahoo for something else,
    Regardless I am here now and would just like to say kudos for a fantastic post and
    a all round entertaining blog (I also love the theme/design), I don’t have time to read through it all at
    the moment but I have bookmarked it and also added in your
    RSS feeds, so when I have time I will be back to read a great deal
    more, Please do keep up the fantastic work.

  37. I am sure this article has touched all the internet users, its really really good paragraph on building up
    new weblog.

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

  39. Hi! This is my first visit to your blog! We are a collection of volunteers
    and starting a new project in a community in the same
    niche. Your blog provided us beneficial information to work
    on. You have done a marvellous job!

  40. Nice blog here! Also your website loads up fast! What web host are
    you using? Can I get your affiliate link to your host?
    I wish my website loaded up as fast as yours lol

  41. Valuable info. Lucky me I discovered your site by chance, and I am stunned why this accident didn’t happened in advance!
    I bookmarked it.

  42. I know this web site presents quality based posts and other stuff, is there any other
    web page which provides these kinds of things in quality?

  43. hey there and thank you for your info – I have definitely picked up anything new from right
    here. I did however expertise some technical issues using this website, as I experienced to reload the website many times previous to I could get it to load correctly.
    I had been wondering if your web host is OK? Not that I’m complaining, but slow
    loading instances times will often affect your placement in google and can damage your high-quality score if advertising and marketing with Adwords.

    Anyway I am adding this RSS to my email and could look
    out for a lot more of your respective intriguing content.
    Ensure that you update this again very soon.

  44. Hi! I could have sworn I’ve been to this website before but after checking through some of
    the post I realized it’s new to me. Nonetheless, I’m definitely glad I found it and I’ll be book-marking and checking back often!

  45. Hey there! Do you use Twitter? I’d like to follow you if that would be okay.
    I’m definitely enjoying your blog and look forward to
    new updates.

  46. I’ve been exploring for a bit for any high quality articles or
    blog posts on this kind of house . Exploring in Yahoo I
    eventually stumbled upon this web site. Reading this information So
    i am glad to convey that I’ve a very just right uncanny feeling I
    found out just what I needed. I most indisputably will make sure to don?t
    put out of your mind this site and provides it a glance regularly.

  47. I was extremely pleased to discover this web site.
    I want to to thank you for ones time for this wonderful read!!
    I definitely enjoyed every bit of it and i also have you book marked to see new information on your blog.

  48. Hi, the whole thing is going fine here and ofcourse every one is sharing information, that’s in fact fine, keep up writing.

  49. Hello to all, the contents existing at this site are genuinely amazing
    for people knowledge, well, keep up the nice work fellows.

  50. wonderful submit, very informative. I ponder why the opposite specialists of this sector do not notice this.
    You should proceed your writing. I’m sure, you have a great readers’ base already!

  51. Thank you for the good writeup. It in fact was a amusement account it.
    Look advanced to more added agreeable from you! By the way,
    how can we communicate?

  52. I’ve been surfing online more than three hours today, yet I never
    found any interesting article like yours. It is pretty worth enough for me.
    In my opinion, if all web owners and bloggers made good content as you did, the internet will be a lot more useful than ever before.

  53. You should take part in a contest for one of the best
    sites on the web. I’m going to recommend this site!

  54. I was very pleased to discover this web site. I want to to thank
    you for ones time just for this wonderful read!! I definitely loved every part of it and I have you book marked
    to check out new things in your site.

  55. I always spent my half an hour to read this web
    site’s posts all the time along with a cup of coffee.

  56. I really like what you guys are usually up too. This kind of clever work and coverage!
    Keep up the terrific works guys I’ve included you guys to my blogroll.

  57. That is very fascinating, You are an excessively skilled
    blogger. I have joined your feed and stay up for in the hunt for more of your great post.
    Additionally, I’ve shared your website in my social networks

  58. Hmm it seems like your site ate my first comment (it was super long) so I guess I’ll just sum
    it up what I submitted and say, I’m thoroughly enjoying your blog.
    I as well am an aspiring blog writer but I’m still new to the whole thing.
    Do you have any tips and hints for beginner blog writers?
    I’d really appreciate it.

  59. I loved as much as you’ll receive carried out right here.
    The sketch is attractive, your authored subject matter stylish.
    nonetheless, you command get got an edginess over that
    you wish be delivering the following. unwell unquestionably come further formerly again as exactly the same nearly very often inside case you shield this hike.

  60. Hey would you mind sharing which blog platform you’re working
    with? I’m looking to start my own blog in the near future but
    I’m having a tough time choosing between BlogEngine/Wordpress/B2evolution and
    Drupal. The reason I ask is because your design seems different then most blogs
    and I’m looking for something completely unique.
    P.S My apologies for being off-topic but I had to ask!

  61. Do you mind if I quote a couple of your posts as long as
    I provide credit and sources back to your webpage?
    My blog is in the very same niche as yours and my visitors would genuinely benefit from
    a lot of the information you provide here.
    Please let me know if this okay with you.
    Appreciate it!

  62. Piece of writing writing is also a fun, if
    you be acquainted with afterward you can write
    if not it is complex to write.

  63. It’s really very complicated in this busy life to listen news on Television, therefore I just
    use internet for that purpose, and take the newest news.

  64. You really make it seem so easy with your presentation but I find this topic to be really something
    that I think I would never understand. It seems too complex and very
    broad for me. I am looking forward for your next post, I will try to get the
    hang of it!

  65. You really make it seem so easy with your presentation however I to find this topic to
    be really one thing that I feel I’d by no means understand.

    It sort of feels too complicated and very extensive for me.
    I’m looking ahead to your next put up, I’ll try to get the
    hold of it!

  66. Very good blog! Do you have any tips and hints for aspiring
    writers? I’m hoping to start my own website soon but I’m a little
    lost on everything. Would you recommend starting with a
    free platform like WordPress or go for a paid option? There are so
    many options out there that I’m completely overwhelmed ..
    Any suggestions? Appreciate it!

  67. wonderful put up, very informative. I ponder why the opposite experts of this sector don’t understand this.
    You should continue your writing. I’m sure, you have a huge readers’
    base already!

  68. I do accept as true with all the ideas you’ve introduced on your post.
    They are very convincing and will definitely work.
    Still, the posts are very quick for starters. May just
    you please lengthen them a bit from subsequent time? Thank you for the post.

  69. Thanks for your personal marvelous posting! I definitely enjoyed reading it,
    you may be a great author. I will always bookmark your
    blog and will come back down the road. I want to encourage you to definitely continue your great writing, have a nice morning!

  70. It’s actually a cool and helpful piece of information.
    I am happy that you shared this useful information with us.
    Please stay us up to date like this. Thanks for sharing.

  71. Hi there, I wish for to subscribe for this web site to get most up-to-date updates,
    therefore where can i do it please help.

  72. Hey! I know this is kinda off topic nevertheless I’d figured I’d ask.
    Would you be interested in trading links or maybe guest authoring a blog
    article or vice-versa? My site goes over a
    lot of the same subjects as yours and I believe we could greatly benefit
    from each other. If you’re interested feel free
    to shoot me an email. I look forward to hearing from you! Wonderful blog by the way!

  73. I enjoy what you guys are up too. This sort of clever work and reporting!
    Keep up the good works guys I’ve included you guys to my own blogroll.

  74. It’s really a nice and helpful piece of info.
    I am glad that you just shared this helpful information with us.
    Please stay us up to date like this. Thank you for sharing.

  75. Hi there to all, because I am actually keen of reading this web site’s post to be updated on a regular
    basis. It includes good material.

  76. I’ve been browsing online greater than 3 hours today,
    but I never found any interesting article like yours.
    It’s pretty price enough for me. In my opinion, if all web owners and bloggers made excellent content
    material as you probably did, the web will be much more useful than ever before.

  77. I’m not sure where you’re getting your information, but great topic.

    I needs to spend some time learning much more or understanding more.

    Thanks for fantastic information I was looking for this information for my
    mission.

  78. After looking into a number of the articles on your website, I honestly
    like your way of writing a blog. I bookmarked it
    to my bookmark webpage list and will be checking back soon.
    Take a look at my web site too and tell me your opinion.

  79. I read this post completely about the difference of most recent and preceding technologies, it’s amazing article.

  80. What’s Taking place i’m new to this, I stumbled upon this I’ve discovered It positively helpful and it has helped me
    out loads. I’m hoping to contribute & help
    different users like its aided me. Good job.

  81. Hi there just wanted to give you a quick heads up. The words in your
    article seem to be running off the screen in Ie. I’m not sure if this is a format issue or something to do with browser compatibility but I thought
    I’d post to let you know. The design look great though! Hope you get the issue solved soon. Kudos

  82. Someone essentially help to make significantly posts
    I might state. That is the very first time I frequented
    your website page and so far? I amazed with the analysis
    you made to make this particular post incredible.
    Fantastic activity!

  83. These are in fact fantastic ideas in about blogging.
    You have touched some fastidious factors here. Any
    way keep up wrinting.

  84. Hi there it’s me, I am also visiting this website daily, this
    web site is truly good and the people are actually sharing good thoughts.

  85. Hey would you mind stating which blog platform you’re working
    with? I’m going to start my own blog soon but I’m having a tough time choosing between BlogEngine/Wordpress/B2evolution and
    Drupal. The reason I ask is because your design and style seems different then most blogs and I’m looking for something
    unique. P.S Sorry for getting off-topic but I had to ask!

  86. Hi there to all, how is the whole thing, I think every one is getting more from this site, and your views are good in support of new visitors.

  87. Very soon this web page will be famous amid all blogging and
    site-building people, due to it’s nice articles or reviews

  88. excellent submit, very informative. I ponder why the other specialists of this
    sector do not realize this. You should continue your writing.

    I’m sure, you have a great readers’ base already!

  89. What’s Taking place i’m new to this, I stumbled upon this I have discovered It
    positively helpful and it has helped me out loads.
    I am hoping to contribute & help different users like its aided me.
    Great job.

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

  91. Everything is very open with a very clear description of the challenges.
    It was definitely informative. Your site is very helpful.
    Thank you for sharing!

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

  93. I visited several web sites except the audio feature for audio songs present at this web site is truly marvelous.

  94. Hi there, every time i used to check web site posts here early in the dawn, since i love to
    find out more and more.

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

  96. You actually make it appear really easy together with your presentation however I in finding this matter to be actually something which I feel
    I’d by no means understand. It sort of feels too
    complex and extremely huge for me. I’m looking ahead for your next submit,
    I will attempt to get the grasp of it!

  97. Everyone loves what you guys are usually up too.
    This sort of clever work and exposure! Keep up the very
    good works guys I’ve included you guys to my personal blogroll.

  98. Aw, this was an extremely good post. Taking a few minutes and actual
    effort to create a superb article… but what can I say…
    I put things off a lot and don’t seem to get nearly anything done.

  99. Excellent article. Keep writing such kind of info on your page.
    Im really impressed by it.
    Hey there, You have performed a fantastic job. I’ll definitely digg it and personally suggest to my friends.

    I am sure they will be benefited from this web site.

  100. My brother recommended I may like this website.
    He used to be totally right. This publish actually made my day.
    You can not believe just how so much time I
    had spent for this info! Thank you!

  101. Good day! I could have sworn I’ve been to this site before but after checking through some of
    the post I realized it’s new to me. Anyhow, I’m definitely glad I found it and I’ll
    be book-marking and checking back frequently!

  102. hello there and thank you for your information – I’ve certainly picked up
    something new from right here. I did however expertise several technical
    points using this web site, since I experienced to reload the web site a lot of times previous to I could get it to load correctly.
    I had been wondering if your web host is OK?
    Not that I’m complaining, but sluggish loading instances times will often affect your placement in google and can damage your high
    quality score if advertising and marketing with Adwords.

    Well I am adding this RSS to my e-mail and
    could look out for much more of your respective fascinating content.
    Make sure you update this again soon.

  103. Hi there, You have done a great job. I will definitely digg it and
    personally recommend to my friends. I am sure
    they’ll be benefited from this website.

  104. My coder is trying to persuade me to move to .net from PHP.
    I have always disliked the idea because of the expenses.

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

  105. Hey just wanted to give you a quick heads up. The words in your post seem to
    be running off the screen in Opera. I’m not sure if
    this is a format issue or something to do with internet
    browser compatibility but I figured I’d post to let you know.
    The layout look great though! Hope you get the problem solved soon. Cheers

  106. I’m impressed, I have to admit. Seldom do I come
    across a blog that’s equally educative and entertaining, and without a doubt, you have
    hit the nail on the head. The problem is something
    which too few folks are speaking intelligently about.
    I’m very happy that I found this in my search for something relating to this.

  107. An interesting discussion is definitely worth comment.
    There’s no doubt that that you ought to publish more on this topic, it might not be
    a taboo matter but usually people do not talk about
    such issues. To the next! Cheers!!

  108. It’s really a nice and helpful piece of info.
    I’m glad that you just shared this helpful information with us.
    Please stay us informed like this. Thanks for sharing.

  109. Asking questions are genuinely nice thing if you are not understanding anything completely, however this paragraph gives nice understanding even.

  110. Your style is unique compared to other people I have read
    stuff from. Many thanks for posting when you’ve got the opportunity, Guess I will just book mark this site.

  111. fantastic points altogether, you simply received
    a logo new reader. What may you suggest about your publish that you made a few days in the past?
    Any positive?

  112. Thanks , I’ve just been looking for info approximately
    this subject for a while and yours is the greatest I have found out so far.
    But, what about the bottom line? Are you sure about the source?

  113. I’m now not certain where you are getting your info, but great topic.
    I must spend some time studying much more or working out more.
    Thank you for wonderful info I was on the lookout for this info
    for my mission.

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

  115. Hello there! I could have sworn I’ve been to this site before but after looking at a few of the articles I realized it’s new to
    me. Nonetheless, I’m certainly happy I stumbled upon it and I’ll be bookmarking it
    and checking back frequently!

  116. I will immediately seize your rss feed as I can not in finding your e-mail subscription link or e-newsletter service.
    Do you’ve any? Please permit me understand so that I may just subscribe.
    Thanks.

  117. My brother suggested I might like this website.
    He was totally right. This post truly made my day.
    You cann’t imagine just how much time I had spent for this
    info! Thanks!

  118. Wow! Finally I got a weblog from where I be able to
    truly obtain useful facts regarding my study and knowledge.

  119. I’m no longer certain where you’re getting your information, but good topic.
    I must spend some time finding out more or understanding more.
    Thank you for magnificent information I was looking for this info for my mission.

  120. We stumbled over here by a 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 finding out about your web page for a second time.

  121. Cool blog! Is your theme custom made or did you download it from
    somewhere? A theme like yours with a few simple tweeks would really make my blog
    shine. Please let me know where you got your design. Bless you

  122. It’s nearly impossible to find experienced people on this subject,
    but you sound like you know what you’re talking about!
    Thanks

  123. Hi, this weekend is fastidious in support of
    me, as this moment i am reading this wonderful educational post here at my
    house.

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

  125. I was curious if you ever thought of changing the 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 one or 2 pictures.
    Maybe you could space it out better?

  126. I know this website presents quality dependent content and extra data,
    is there any other website which offers such stuff in quality?

  127. Whoa! This blog looks just like my old one! It’s on a completely different topic but it has pretty much the same
    layout and design. Superb choice of colors!

  128. It’s amazing to go to see this website and reading the views of all friends
    concerning this piece of writing, while I am also zealous of getting knowledge.

  129. I used to be recommended this website by my cousin. I’m not certain whether this post is written via him as no
    one else realize such specified about my trouble. You’re wonderful!

    Thanks!

  130. I am extremely impressed along with your writing talents and also with the structure in your weblog.
    Is that this a paid topic or did you modify it your
    self? Either way keep up the nice high quality writing, it’s rare
    to look a great blog like this one these days..

  131. Hello! I understand this is somewhat off-topic but I needed to ask.
    Does building a well-established website like yours take a
    large amount of work? I’m completely new to operating a
    blog however I do write in my journal on a daily basis.
    I’d like to start a blog so I can share my personal experience and feelings online.
    Please let me know if you have any kind of ideas or tips for new aspiring bloggers.
    Thankyou!

  132. An intriguing discussion is worth comment. I do believe that you should publish more about this issue, it may not be a taboo subject but
    generally people don’t talk about such topics. To the next!
    Many thanks!!

  133. I am actually glad to glance at this weblog posts which carries plenty of useful data, thanks for providing these kinds
    of statistics.

  134. Oh my goodness! Awesome article dude! Many thanks, However I am having difficulties with your
    RSS. I don’t know why I cannot subscribe to it.
    Is there anybody else getting identical RSS problems? Anybody who knows the solution will you kindly
    respond? Thanks!!

  135. Very great post. I simply stumbled upon your weblog and wished to
    say that I’ve truly loved browsing your weblog posts.
    In any case I’ll be subscribing on your feed and I hope you write once
    more soon!

  136. Right now it sounds like Movable Type is the best blogging platform out there right now.

    (from what I’ve read) Is that what you’re using on your
    blog?

  137. Hi there to every body, it’s my first pay a quick visit of this website; this blog carries awesome and in fact good information designed for
    readers.

  138. Wonderful beat ! I would like to apprentice while you amend your
    site, how can i subscribe for a blog web site? The account aided me a acceptable deal.
    I had been a little bit acquainted of this your broadcast provided bright clear concept

  139. Very shortly this web page will be famous amid all blogging visitors, due to it’s pleasant articles or reviews

  140. Simply desire to say your article is as amazing.

    The clarity in your post is just spectacular and i can assume you are an expert on this subject.
    Well with your permission let me to grab your feed
    to keep updated with forthcoming post. Thanks a million and please keep up the rewarding work.

  141. Hey there, I think your site might be having browser compatibility issues.
    When I look at your website in Safari, it looks fine but when opening in Internet Explorer, it has some overlapping.
    I just wanted to give you a quick heads up! Other then that, great blog!

  142. I am not positive the place you’re getting your info, however great topic.

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

  143. Just desire to say your article is as astonishing.
    The clarity for your submit is just excellent and i can suppose you’re an expert in this subject.

    Fine along with your permission allow me to grab your RSS feed to keep
    up to date with forthcoming post. Thank you one million and please continue the rewarding work.

  144. Hello I am so thrilled I found your webpage, I really found you by accident,
    while I was looking on Aol for something else, Anyways I
    am here now and would just like to say thanks for a
    tremendous post and a all round entertaining blog (I
    also love the theme/design), I don’t have time to browse it all at the minute but I have saved it
    and also added your RSS feeds, so when I have time I will be back
    to read much more, Please do keep up the great work.

  145. First off I would like to say awesome blog! I had a quick question in which I’d like to ask if you
    don’t mind. I was interested to know how you center yourself and clear your thoughts before writing.

    I have had a hard time clearing my mind in getting my ideas out there.

    I truly do take pleasure in writing however it just seems like the first 10 to 15
    minutes are lost just trying to figure out how to begin. Any recommendations or hints?
    Kudos!

  146. Excellent items from you, man. I’ve be aware your stuff prior to and you’re
    just extremely magnificent. I really like what you have received
    right here, really like what you’re saying and the way in which by which you assert it.

    You are making it enjoyable and you continue to take care of to keep it sensible.
    I can’t wait to read far more from you. This is really a terrific site.

  147. Hey! This post could not be written any better! Reading through this post reminds me of
    my previous room mate! He always kept chatting about this.
    I will forward this page to him. Fairly certain he will have a good read.
    Thanks for sharing!

  148. Thanks for the auspicious writeup. It if truth be told
    was once a enjoyment account it. Glance complicated to far brought
    agreeable from you! However, how could we keep up a correspondence?

  149. hi!,I really like your writing so so much!
    percentage we keep in touch extra about your article on AOL?

    I require an expert in this area to resolve my problem.
    May be that is you! Taking a look forward to peer you.

  150. Hi there 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 require any coding expertise to make your
    own blog? Any help would be really appreciated!

  151. May I just say what a comfort to find an individual who really knows
    what they are talking about on the net. You actually understand how to bring a problem to light and make it important.
    A lot more people ought to check this out and understand
    this side of your story. I can’t believe you are not more popular
    since you certainly possess the gift.파라오카지노

  152. Good day! This post couldn’t be written any better! Reading through this post reminds me of my previous room mate!
    He always kept chatting about this. I will forward this post
    to him. Pretty sure he will have a good read. Thank you for sharing!바카라사이트

  153. I have read several good stuff here. Certainly price bookmarking for revisiting.
    I wonder how so much attempt you set to create such a wonderful
    informative website.

  154. Wow that was unusual. I just wrote an really long comment
    but after I clicked submit my comment didn’t appear.
    Grrrr… well I’m not writing all that over
    again. Anyhow, just wanted to say wonderful blog!

  155. I’m curious to find out what blog system you happen to be
    using? I’m having some small security problems with my latest website and I would like to find something more safe.

    Do you have any suggestions?

  156. I got this site from my buddy who shared with me on the
    topic of this web site and at the moment this time I am visiting this web site and reading very
    informative articles or reviews here.

  157. Awesome blog! Ɗo you haѵе any helpful hints for
    aspiring writers? І’m hoping tο start my own website s᧐on but Ι’m a little lost on everythіng.
    Ꮃould you advise starting ᴡith a free platform ⅼike
    Wordpress or go for ɑ paid option? Tһere are ѕo many choices out tһere tһat I’m cοmpletely confused ..
    Any tips? Ꭲhanks ɑ ⅼot!

    Also visit mү рage: dang ky

  158. Hey there! This is kind of off topic but I need some advice from an established blog.
    Is it hard to set up your own blog? I’m not very techincal but
    I can figure things out pretty fast. I’m thinking about
    setting up my own but I’m not sure where to begin. Do you have any points or suggestions?
    Thank you

  159. Hi there! This is my first visit to your blog! We are a team of volunteers and starting a new initiative in a community in the same niche.
    Your blog provided us useful information to work on. You have done a outstanding job!

  160. Wow that was strange. I just wrote an extremely long comment but after I clicked submit my comment didn’t appear.

    Grrrr… well I’m not writing all that over again. Anyway,
    just wanted to say wonderful blog!

  161. My partner and I stumbled over here by a different page
    and thought I may as well check things out.
    I like what I see so i am just following you. Look forward to going
    over your web page yet again.

  162. Hello there! This article could not be written any better!
    Looking at this post reminds me of my previous roommate! He continually kept talking about this.
    I most certainly will forward this article to him. Pretty
    sure he’ll have a great read. Thanks for sharing!

  163. You’re so awesome! I don’t believe I’ve read something
    like that before. So nice to find someone with some original thoughts on this issue.

    Seriously.. thanks for starting this up. This site is one thing that’s needed on the internet, someone with some originality!

  164. Hey I know this is off topic but I was wondering if you knew of any widgets I could
    add to my blog that automatically tweet my newest twitter 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.

  165. Hey there excellent blog! Does running a blog such as this take a large amount of work?
    I’ve no knowledge of computer programming but I was hoping to start my own blog in the near future.
    Anyways, should you have any suggestions or tips for new blog owners please share.
    I understand this is off subject but I just needed to ask.
    Cheers!

  166. Hi! I’ve been reading your site for a while now and finally
    got the courage to go ahead and give you a shout out
    from Austin Tx! Just wanted to mention keep up the excellent work!

  167. Thank you for every other fantastic article. Where else may just anyone get that
    kind of info in such a perfect manner of writing?
    I have a presentation next week, and I am on the search for such info.

  168. Hi there! This article couldn’t be written any better!
    Looking through this article reminds me of my
    previous roommate! He constantly kept talking about this. I will send this information to him.
    Fairly certain he will have a great read. Thank you for sharing!

  169. It can one of the most significant global dark web takedowns to be able to date:
    179 arrests distributed across six countries; five hundred kilograms
    of drugs gripped; $6. 5 million inside cash and cryptocurrency confiscated.

    And while it seemed to be announced today, Operation Disruptor traces its roots back again to May 3,
    2019. That’s the day of which German police seized Share market Market, the well-known underground bazaar that provided international authorities
    everything that they needed to upend typically the dark web
    drug trade. Really unclear how big the dent or dimple
    Functioning Disruptor will make over time; the dark web drug marketplace tends to bounce back
    again, even after the high-quality collapses of marketplaces such as
    the Silk Road and even AlphaBay. But even in case
    police force is playing an timeless game of Whac-A-Mole, it can at the
    least gotten extremely efficient at whacking. In the particular US,
    Operation Disruptor performs out across dozens involving court papers and close to 120 arrests.
    In Kentkucky, members of the group recognized as PillCosby were
    billed with mailing out above a million pills lace-up with fentanyl.
    Prosecutors throughout Washington, DC, allege of which
    David Brian Pate obscured thousands of OxyContin, Xanax, and
    morphine pills inside of souvenir maracas.

    Visit my web-site; canadahq Link

  170. Hi there to every one, the contents present at this web site are in fact remarkable for people experience, well, keep
    up the good work fellows.

  171. I was curious if you ever considered 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
    one or 2 images. Maybe you could space it out better?

Envía un comentario

Tu dirección de correo electrónico no será publicada. Los campos obligatorios están marcados con *