America’s Failed 401(k) Experiment

The spam filter installed on this site is currently unavailable. Per site policy, we are unable to accept new submissions until that problem is resolved. Please try resubmitting the form in a couple of minutes.

Posted on September 27, 2010

While the unfunded pension liabilities in many public retirement funds have receivedan inordinate amount of attention, the larger retirement deficit of most Americans is not generating the level of concern that it deserves. Individuals who have been left on their own to save for retirement in 401(k) accounts face challenges that are not being met. As a result of the financial crash that led to the worst economic crisis since the Great Depression, the retirement savings of most baby boomers -- which were already inadequate -- were reduced to levels that may create genuine impoverishment as the boomers retire and enter their 70s.

Because 401(k) accounts are rarely professionally managed, individuals are often exposed to excessive risk. When the market goes bad, individual investors are hit the hardest. Many Americans with 401(k) accounts lost one-third to one-half of their "nest-egg" when the equity markets collapsed in 2008 and 2009. Because most boomers are now well over 50 years of age, they have little time to accumulate adequate retirement savings.

Rather than focusing on the real problems facing most future retirees, much of the media has been focusing instead on problems facing public retirement funds. While the funding levels of some of these plans will present real challenges in the future, the problems can be resolved over a period of 30 years under generally accepted accounting rules. What's more, the combined deficit in our major state and local government retirement systems represents less than 2 percent of total state and local government spending over the coming 30-year period. When we consider that many state and local government budgets have been cut by 10 percent to 40 percent over the past three fiscal years, it's not too difficult to see how governments can rebuild their pension funds once the economy recovers and tax revenues return to more normal levels.

Most government pension funds have 70 to 75 percent of the assets necessary to provide promised benefits. On the other hand, the median 401(k) balance for workers who have had consistent access to such an account was just $43,700 at the end of 2008. But, most employers do not offer such access, and many workers do not have the ability to consistently save. So, the median account balance of all 401(k) accounts is less than $13,000, barely a fraction of what is needed for a secure retirement. In aggregate, the gap between what Americans have saved and what they will need in retirement has been calculated at $6.6 trillion.

The contrast is clear: While public pensions have decades to cover their relatively small deficit, many individuals must accumulate sufficient savings in little more than a decade. Given our current financial straights, this may be impossible.

The public policy implications of these facts are real - and severe. The longer we delay addressing this issue, the more intractable the problem will become. Ironically, at the very time our retirement savings crisis is demanding attention, some politicians think a reduction in Social Security benefits is essential. Republican Leader John Boehner, for example, supports an extension of the retirement age to 70. This may sound like a good solution to our problems for him, but it simply makes retirement less secure for most Americans.

So, what can be done? First, we need to recognize that our current retirement programs, based on individual accounts such as 401(k) plans, are a failed experiment. Enacted during the late 1970s and early 1980s, we now have the experience of a generation to clearly demonstrate that individual investors do not have the skills, time or interest to properly mange their retirement investment portfolios. Indeed, a study by the National Institute on Retirement Security found that professionally managed pensions can deliver the same level of retirement benefits at half the cost of a 401(k)-style plan. This means we must investigate policy options that combine the portability features of 401(k) plans with the professional investment management, long terms asset growth strategies, shared risk and guaranteed income streams that make traditional pension plans so efficient.

Second, we need to stop inflicting unnecessary damage to our fragile retirement systems. Attacks on Social Security and traditional public and private sector pension plans only make our problems worse. We need to provide our pension systems with sufficient time to recover from the aftershocks of the implosion of our economy. No one is seeking a "bailout." Rather, we simply need to allow pension plans to function as intended, with a reliance on long-term growth strategies to weather the ups and downs of an increasingly volatile investment environment.

At the end of the day, our traditional pension systems will remain strong and will continue to be the cornerstone of retirement security for those Americans fortunate enough to participate in such programs. For these and other Americans, Social Security will almost always be the bedrock of a secure retirement. But, for the tens of millions who must rely on Social Security alone, more must be done to help them save in order to live out their elder years in dignity. The sooner we have a serious conversation about this issue, the better.

This blog entry was written by Lee A. Saunders, Secretary-Treasurer of the American Federation of State, County, and Municipal Employees, AFL-CIO. This blog entry has been cross-posted on Huffington Post and Firedoglake.

Tags: 401(k) plans, AFSCME, Retirement Income Deficit, Retirement USA, Wake Up Washington

Comments

Domino Qiu Qiu

Submitted by Anonymous on Sat, 2017-07-01 19:34.

Thanks shared. I need to think that one through, thanks for posting. Domino qiu qiu

Domino Qiu Qiu

Submitted by Anonymous on Fri, 2017-06-23 01:33.

Thanks shared. I need to think that one through, thanks for posting. Domino qiu qiu

Andada

Submitted by Anonymous on Thu, 2017-06-22 22:57.

BandarQQ Terpercaya

Submitted by Anonymous on Mon, 2017-06-19 03:29.

I would like to thank you for all the information you give. information your is useful to me.BandarQQ Terpercaya

Situs BandarQQ

Submitted by Anonymous on Mon, 2017-06-19 03:26.

Some of these information are really amazing. Thank you for giving me good information.Situs BandarQQ

BandarQQ Online

Submitted by Anonymous on Mon, 2017-06-19 03:25.

Thanks for posting, this is really amazing. BandarQQ Online

Gracelina Amelia

Submitted by Anonymous on Fri, 2017-06-16 05:27.

Nice Post, and good Information for this site. Thanks for shared!! Dominoqq

dd

Submitted by Anonymous on Sun, 2017-06-04 21:42.

nike running uktory burch flatsralph lauren outletmichael kors canada outletmichael kors outletmichael kors handbagsmizuno sneakerscoach outlet store onlinefitflops sandalsnike air max theastan smith adidaspolo ralph lauren outletcolumbia outlet storeralph lauren outletchristian louboutin heelsfred perry polo shirtstrue religion outletsupra outletcoach outlet store online clearancespolo ralph laurenpolo ralph laurenlongchamp handbagsadidas outletmichael kors handbags outletprada outletlebron 13 shoesclarks sandalsmichael kors handbagschristian louboutin shoesmanolo blahnik outletnike air max 2017ysl bagspandora jewelry outletcoach factory onlinemichael kors outlet onlinemichael kors bagsnhl jerseys wholesalecoach outlet store online clearancesadidas yeezy 350 boostbirkenstock shoesray ban sunglassesadidas yeezy boost 350 v2kate spade purseshenrikh mkhitaryan jerseynike free run flyknitpandora rings clearancemichael kors handbags clearancemichael kors outlet onlinefitflops sandalskd 9 shoesmichael kors bagsconverse sneakersmichael jordan shoesadidas yeezycoach outlet onlinehermes outletpolo ralph lauren shirtsmlb jerseys cheappandora charms outletray ban sunglasses salehermes bagsralph lauren outletprada sunglassestrue religion outletpolo ralph laurenralph lauren outletadidas nmd xr1cheap michael kors handbagscoach outlet store online clearancesmichael kors outlet clearancecheap oakley sunglasseschristian louboutin outletmichael kors outlet clearancereebok sneakerschristian louboutin sneakersmichael kors outlet clearanceyeezy boost 350 v2vibram fivefingers hurtoakley sunglasses discountmichael kors handbagsair jordan shoesnike trainers ukadidas nmdburberry saleunder armour shoescheap jordan shoespolo shirts wholesaleray ban sunglasses salemichael kors outlet online salecheap mlb jerseyschristian louboutin sneakersvans outlet storenike air max 2017oakley vaultcheap oakley sunglassesadidas zx 750vans outletkate spade pursescheap jordanscalvin klein jeansoakley outletcoach outletnike air max shoesprada outletnike roshe flyknitmichael kors outlet clearanceoakley sunglasses outletnike cortez ultracheap ray ban sunglassesmichael kors handbagsfitflops saletrue religion outletkobe 12 shoesadidas nmdcheap mlb jerseysroshe run shoesadidas trainersmont blanc mountain penprada handbagsnew balance 9902017.6.5chenlixiang

15659540501@163.com

Submitted by Anonymous on Tue, 2017-05-30 22:34.

BandarQ

Submitted by Anonymous on Sat, 2017-05-27 10:37.

The information which you people are given are really good, These look really great. BandarQ

Gracelina Amelia

Submitted by Anonymous on Wed, 2017-05-24 16:35.

Nice Post, and good Information for this site. Thanks for shared!! Dominoqq

There are a lot of

Submitted by Anonymous on Fri, 2017-05-12 02:29.

There are a lot of opportunities that will advance an individual's radiology career for people with one or over areas for specialization. Slightly more specializations you will have, the even more competitive you are in the duty market. techspecially.com This month's file takes us into the western You. S. state for Oregon but some fantastic snow-boarding. First a bit of background over the state for Oregon again. Begin by using a little prehistory by third , link to sit and learn about Oregon and also Columbia level of skill. travelascend.com Koi fish have already been called any national pike of Japan and tend to be popular during China and around the world. This report describes the history of Koi fish breeding and gives useful material regarding how different kinds of fish happen to be categorised as per their colourings and marks. travelescalator.com Traveling by using a baby from a car is not really easy, but moving longer compared with two hours at this time sounds additional dreadful. Here's three truly great tips together with ideas on what to get ready, car with your baby for an extremely long visit. travelinglong.com Travelling are usually a lot of fun, educational together with relaxing. Good, it is certainly suppose to generally be relaxing, should it be a holiday getaway. Sometimes holidays may not be relaxing. In order to make your holiday getaway travel relaxing one must always plan ahead and now have things planned. travelrelaxation.com You were definitely born utilizing potential. Which you were born utilizing goodness together with trust. Which you were born utilizing ideals together with dreams. Which you were born utilizing greatness. Which you were born utilizing wings. Your not meant meant for crawling, which means that don't! You will have wings, try to use him or her and fly on an airline... trulyfinancial.com Having your website for the business together with using on line SEO internet marketing is a wonderful way to communicate in your loyal users, while at the same time attracting different ones in the process, depending over the types of services and products you have to offer. ultimateseomarketing.com When enjoy the Conclusive plans to your location to your wedding, select the spot that mirrors your character in addition to a location the fact that that pair of you have certain feeling for or perhaps some experience of. weddingfinally.com Hiring services of the best wedding photographers is really important. It ensures that you purchase the finest quality photos in your wedding. Weddings have grown special events during the lives of a lot people. This is certainly attributed to the reality that weddings come to pass once during the lives of a lot people. weddinghappens.com Monograms have long been used as the personalized icon of way, taste, together with style. Jean Rene Lacoste put to use one regarding his shirts that started to become the single most iconic way brands worldwide. Tennis super star Roger Federer purposes one regarding his clothing as the statement for personal layout. weddingwithclass.com There happen to be many religious laws made available to us during God's Word of mouth. Some consumers would mention I've never seen spiritual rules before. However even as read from your Word for God we will see that This Word is complete with spiritual rules. withoutlaw.com Holidaymakers in recent times are spoilt when considering what emerges! No a bit longer are some people restricted and confined with the options provided with them by system holiday managers, but at present they by themself can manage organizing ones own holiday! accomodatehome Considering addicted to help you sports or have a very good genuine love in the game? There's a lot of sports fanatics which are opting so you can get sport tattoos to point out to their appreciation to a certain outdoor activity. This will be a terrific show ones own support for one's favorite power team or sport in most cases and you can get millions allowsports You can get as a number of reasons to utilise an motor transport small business as you can get vehicles to remain shipped. You may bought ones own dream truck on as well as - though you're in Sc and your truck is in San francisco. Perhaps one landed ones own dream project in San francisco, but car is parked and a parents' house hold in Nashville. autopickups Sports is a big component to a place's culture and even identity. Every country globally has specific to it type in sport belonging to the world legendary football with the modern afternoon archery. We cannot eliminate a lot of these adrenaline moving activities considering the fact that it's an item unites usa in some way. benefitinsports Pet title at any specific stage on life, but extremely in retirement is definitely the proverbial "win-win. " You can get a canine that can offer unconditional take pleasure in, potentially floods a space left as a result of children that definitely have moved now on to their personal lives, allowing it to strengthen ones own bond along with a significant several other. benefitpets If you have been like most women As i mentor on network marketing/direct revenues, I bet a person like your programs and really have confidence on your legitimate online business. I suspect a person like the own growth that accompanies building your home business, as well given that the positive impact you get on human beings lives day after day. besttechnologyever All the relatives one approached stated to you they waiting to give one money for one's new internet business but just do not own it currently. It's the exact same story time and time again, but they have perhaps expenses on their own to coat and purchasing a new business is simply too risky. businessesfund Businesses want to reach ones own market wherever they are really. It is without a doubt therefore necessary the fact that the managers from your business will go conduct internet business meeting and focus on clients conditions. However, some suppliers suffer finance issues thanks to traveling bills. businessinbudget Sports fanatics always possessed betting designed for sports being a attraction. When the bettors yell and break loudly, the video game becomes alot more interesting. Such a match is a beneficial entertainment which sometimes ensure winning so much money. chanceinsports To get in onto your sporting phase, then probably you should give some thought to using the area sports betting services you can get. There are quite those hateful pounds all online, but to start with, you want to decide be familiar with sport you might want to place ones own bets at. decidesport It is outside the end to a busy earning a living week and you just are along to get the job done. The route you may be taking is definitely the same route to and in your office that one always have. It is simply not particularly busy for one Friday and you just pull up within a junction just at a later date from that entrance with your work. discreetinsurancehub Long-distance moves can get really difficult if they are not planned accordingly. Moving companies is a great relief from this regard as they simply not primarily plan ones own movements but probably take with the responsibility in executing the plans. distancetraveling It is virtually winter time as well as already have the warmth leaving oxygen replaced via the cool and even chilly cold weather breeze. You hoping look for an item will try to make the aura warm and even cozy. Fire Pit tables can be ideal specially if you end up planning to help you entertain people outside for the chilly cold weather night. diversifiedfashion With that economy the path it is several qualified people underemployed, the number of individuals who contain chosen to return to the school has accelerated considerably. Many many people figure that assuming that they are usually not working they might be furthering ones own educations. educationextend Given that the need designed for affordable lodging increases, and even state and even city outlays steadily decline, creative solutions are essential to home address affordable lodging issues. A technique that advises are taking on their conflicts is as a result of establishing Lodging Trust Dollars. establishhouse Especially in this era, it is without a doubt reprehensible which will such assessing even need to be conducted. Many home-owners claim that should be a waste of time and cash to interview individuals that don't have a very good serious preference to own and rent a residence from them all. expensivebusiness One belonging to the really advantages of traveling during an RV is which you could take ones own pets for you. In a number of cases the crucial reason people order an RV is really so their your pets can travel at their side. Both of the dogs have been completely traveling around in much of our RV given that they were canines. extendtraveling Our link with earth because of bees isn't only a good bond, but an integral one; one with seen threats over the last from man in addition to unexplained. But also from a corner belonging to the world, around the shores in Lake Erie, a bee technology has the different parts of the town breaking over in, clearly, hives. fashionhoneybee After the last snows in winter at long last melt inside spring you have been probably itching to position away ones own heavy sweaters, mufflers and even dark tones and be dressed in something excitement and bright given that the temperatures warm additionally, the flowers look through. Your daughter is definitely the same option. fashionhorizons

BandarQQ

Submitted by Anonymous on Mon, 2017-05-08 19:32.

This is really very nice blog and so informative. Thanks a lot for sharing this article.BandarQQ

Dominoqiu

Submitted by Anonymous on Mon, 2017-05-08 18:38.

Absolutely really Amazing Articel and good point in there. Thanks shared. Dominoqiu

chenlina

Submitted by Anonymous on Mon, 2017-05-08 02:26.

Jangkrik

Submitted by Anonymous on Sun, 2017-05-07 02:22.

Your blog information is nice and friendly. This post is very helpful for me. Thank for post. Judi Ceme

Jangkrik

Submitted by Anonymous on Sun, 2017-05-07 02:22.

Really a nice content i am going to bookmark your site thanks Domino QQ

Jangkrik

Submitted by Anonymous on Sun, 2017-05-07 02:21.

Thanks, guys you always provide useful information through your articles Agen Domino

Bandar QQ

Submitted by Anonymous on Tue, 2017-05-02 07:41.

This is really very nice blog and so informative, I would like to thank you for all the information you give. Domino 99

Judi Domino

Submitted by Anonymous on Tue, 2017-05-02 07:40.

This is impressive and also great information, This is excellent. Judi Domino

KD shoes

Submitted by Anonymous on Fri, 2017-04-28 22:23.

KD shoesKD Shoes For Salekevin durant shoesKD Trey 5Warriors Team StoreGolden State Warriors JerseysCavalier Steam ShopCleveland Cavaliers JerseysJordan Basketball ShoesBasketball ShoesNBA Stars ShoesNBA StoreJordan ShoesNBA ShoesDerrick Rose ShoesJames Harden ShoesPaul George ShoesRussell Westbrook ShoesChris Paul ShoesKobe Bryant ShoesNike Basketball ShoesAdidas Basketball ShoesKobe ADKobe 12Kobe 11Kobe 10Kobe 6Kobe 7Kobe 8Kobe 4Kobe 9kobe bryant shoesKobe shoesKobe high topsNike Zoom Kobe IconKobe venomenon 5Cheap NBA JerseysCustom NBA JerseysCustom NCAA JerseysCheap NCAA JerseysNBA JerseysStephen Curry JerseysLebron James JerseysKyrie Irving JerseysKevin Durant JerseysKobe Bryant JerseysRussell Westbrook JerseysKlay Thompson JerseysJimmy Butler JerseysJames Harden JerseysCarmelo Anthony JerseysChris Paul JerseysBen Simmons JerseysJoel Embiid JerseysAnthony Davis JerseysKristaps Porzingis JerseysWarriors Team StoreCavalier Steam ShopKevin Durant JerseysKlay Thompson JerseysKevin Durant ShoesStephen Curry ShoesGolden State Warriors JerseysCleveland Cavaliers JerseysKyrie Irving JerseysLebron James JerseysKyrie Irving ShoesLebron James ShoseMoncler JacketsMoncler Salefitflopsfitflops salemichael kors outlet onlinemichael kors outletmichael korsmichael kors outletMichael Kors OutletMichael Kors Outlet Onlinefitflops sandalsfitflop shoesfitflop sandalsfitflop salefitflops on salefitflop outletMoncler OutletMoncler JacketsMoncler Outlet OlineMoncler SaleMoncler WomenMoncler KidsMoncler CoatsMoncler VestMoncler Jacket SaleMoncler On Salegiuseppe zanotti sneakersgiuseppe shoesvalentino shoesvalentino bootsjimmy choo bootsjimmy choo shoesjimmy choo outletlouboutin Shoeschristian louboutin storechristian louboutinlouboutin outletred bottoms shoesAdidas NMD R1Adidas NMDAdidas NMD XR1Adidas NMD For SaleNMD City SockNMD Human RaceAdidas Basketball ShoesNMD Runneryeezy boost 750yeezy boost 350yeezy shoesadidas yeezyyeezy boost 950yeezy boost 350 pirate blackkanye west shoesyeezy boost 350 turtle doveCurry ShoesNike Basketball ShoesLeBron 11LeBron 10LeBron 13LeBron 12Lebron James ShoesLeBron 14LeBron Soldier 10LeBron shoesLeBron zoom soldier 9LeBron soldier 9Kyrie 2Kyrie 1Kyrie irving shoeskyrie shoesNike Hyperrevkobe basketball shoesKyrie 3Cheap KD ShoesKD 7KD 6KD 8KD 9 Bags Outlet Sale: San Antonio Spurs Jerseys Kyrie 2 christmas LeBron 10 low Toronto Raptors Jerseys Kyrie 1 dream christian louboutin shoes www.coachoutletonlinestoresinc.com Kobe 9 christmas Cleveland Cavaliers Jerseys KD 8 elite KD 9 colorway Kobe 11 bhm Kristaps Porzingis Jerseys Devin Booker Jerseys Stephen Curry Shoes Karl Anthony Towns Jerseys Kyle Anderson Jerseys KD 8 black Coach Outlet Online KD 9 colorways Longchamp Le Pliage KD 7 calm before the storm Chandler Parsons Jerseys valentino flats Los Angeles Lakers Jerseys Oklahoma City Thunder Jerseys Kobe 11 mamba day Serge Ibaka Jerseys Kevin Durant Jerseys Kobe 10 elite

Jangkrik

Submitted by Anonymous on Fri, 2017-04-28 12:10.

Your blog information is nice and friendly. This post is very helpful for me. Thank for post. Judi Ceme

Jangkrik

Submitted by Anonymous on Fri, 2017-04-28 12:09.

Really a nice content i am going to bookmark your site thanks Domino QQ

Jangkrik

Submitted by Anonymous on Fri, 2017-04-28 12:09.

Thanks, guys you always provide useful information through your articles Agen Domino

Domino Qiu Qiu

Submitted by Anonymous on Wed, 2017-04-26 01:31.

I need to think that one through, thanks for posting. Domino Qiu Qiu

Bandar Ceme

Submitted by Anonymous on Wed, 2017-04-26 01:30.

great post. I really like your point of view! Bandar Ceme

Holds the cable termination box horizontally

Submitted by Anonymous on Mon, 2017-04-24 22:31.

Bandar QQ

Submitted by Anonymous on Fri, 2017-04-21 21:38.

Thanks for this wonderful post and hoping to post more of this. Bandar QQ

Bandar Domino

Submitted by Anonymous on Fri, 2017-04-21 21:35.

This is so interesting, I have never seen this before , Nice Post. Bandar Domino

20170421caihuali

Submitted by Anonymous on Fri, 2017-04-21 02:05.

AIR

Submitted by Anonymous on Mon, 2017-04-17 09:52.

Ray-Ban OutletNike Outletlongchamp bagsAdidas ShoesNike ShoesYeezy ShoesRay-Ban sunglasses OutletRay-Ban sunglasses Outletjames SaleAdidas NMD OutletCheap JordanAir Max Outlet OnlineRay-BanAsics OutletFlip Flopst OutletRay-Ban sunglassesoakley outletoakley sunglassesoakley storeNike Shoes

Jangkrik

Submitted by Anonymous on Sun, 2017-04-16 11:07.

This is great, you are good, i like your post and i still waiting our next post Bandar Ceme

Gracelina Amelia

Submitted by Anonymous on Fri, 2017-04-14 05:35.

Very Fantastic article, I really like your point of view! Good Job And continue to make useful articles. DominoHP.net Agen Poker Online Terpercaya

Packers and Movers

Submitted by Anonymous on Mon, 2017-04-10 07:28.

Packers and Movers

Submitted by Anonymous on Mon, 2017-04-10 07:28.

Packers and Movers

Submitted by Anonymous on Mon, 2017-04-10 07:14.

Link Alternatif BoyaQQ

Submitted by Anonymous on Sun, 2017-04-09 08:10.

This article is very good, I like this article, thanks for sharing. Link Alternatif BoyaQQ

BoyaQQ

Submitted by Anonymous on Sun, 2017-04-09 08:09.

It is a good and amazing article. Your information is very useful for me and for others. thank you so much. BoyaQQ

http://www.michaelkorsstoreoutlet.us.com

Submitted by Anonymous on Sat, 2017-04-08 02:03.

It was a pity that the Michael Kors Outlet Stores cookie girl who had drifted North Face Outlet outside was not able to write down one or two words in a timely manner, but the simple and clean show was really the love of the cake girl,Fitflop Sale so he had to Coach Outlet Official make up for this one.Michael Kors Handbags If you are succinct,coach outlet online if you are decent OL,Michael Kors Factory Outlet if you are like a new era of kate spade outlet coexistence and sexy women,Coach Outletthen you will be the first lady with the United States Michelle like JasonWu.Prada Handbags Outlet The whole show to keep you clean that visual sense,michael kors onlinecommon neutral black, white, olive green,Jordan shoes dark blue field color,kate spade handbags as well as join the gray,Coach Factory Outlet Online marble color is the texture,cheap Jordan shoes mustard color, sorry,Coach Factory Outlet even with a gloss A sense of metal fabric,Tory Burch sale are the achievements of the elegant Jin cake cake has been crying.Coach Outlet Online Who can think of this from a small Tory Burch Outlet love to Barbie clothes to do Michael Kors Outlet a child or even some autistic boy.Michael Kors handbags JasonWu changed the traditional Zhiye Zhuang skirt suits,Ray Ban Sunglasses Outlet for a variety of long skirts,Michael kors outlet pencil skirt plus a split, regardless of single open fork,Michael Kors Outlet Online double split all sexy mess,Coach Outlet Online days know how much Pandora Jewelry Outlet cake girl love open skirt!ralph lauren outlet The This is not to the winter,Oakley Outlet I have been looking forward to next year's spring Michael Kors Outlet a variety of glamorous open skirt, pure,adidas yeezy boost sexy and confident that this is in full compliance with his clothes to true religion do the interpretation,oakley sungalsses but also entirely as a woman cheap ray ban sunglasses Cason cake on the interpretation of modern women agree:true religion JasonWu very good at skirt production,North Face Outletthe upper half of the season with the Coach Outlet Store Online heroic men with straight lines:Coach Outlet Online shirts,adidas nmd R1suits, jackets,Moncler Outlet ... ... lower body to catch the soft skirt, depth, Combination.Michael Kors Handbags All along, the cakes are like to ray ban sungalssesshare some with the sex does not contrived with,Coach Outlet Store really because of their own preference for selfishness.Coach Outlet Store Online But have to admit that: wear a clean,Burberry Outlet Store sweet little more really to straight male cancer for the heterosexuality Michael Kors Outlet of the mass group, the reason to say ~Ray Ban Sunglasses dating site and mobile phone application the north face outlet Zoosk has analyzed the the north face image of 1,200 women ,Coach Factory OutletCome to the men's favorite women:Coach Outlet to draw a decent makeup,oakley outlet there are waist and hip, sweet voice,Coach Outlet Store the way the wife and mother and wearing a red girl ... ... men like, really are more With the female image of the girl,nike shoes as the Milan Design Week's highest academic hall, Italy INTERNI magazine every year at the University of Polo Ralph Lauren Outlet Milan invited the world's Christian Louboutin Shoes leading designers,Christian Louboutin Shoes artists exhibition,Polo Outlet this year's exhibition theme is material non-material (Material Immaterial) ,Oakley Outlet Store All things exhibition is echoing this theme.nike air max 90 Exhibition to three specifications of the product box as the carrier,Tory Burch Shoes forming a maze tory burch outlet like a display space.Coach factory Outlet Through 20 well-known architects and designers interview video,Ray Ban Outlet Online as well as the north of Guangzhou and Shenzhen and other cities in the development of the status of delayed photographic video,Polo Ralph Lauren Outlet digital way to express the status of urban development Michael Kors Outlet Online and local designers speculation,Kate Spade Handbags guide visitors to Salvatore Ferragamo Outlet explore the design experience implied Infinite energy and rich form.The current design is Coach factory Outlet Store focused on the traditional design Michael Kors Factory Outlet level of continuous mining and self-realization,Coach Outlet Stores but also facing the social renewal of the multiple challenges.Kate Spade Outlet It is a means of critical research on reality, and it will lead to the attention and expectation of every viewer to the present and future survival of mankind. In this regard, 20 designers expressed their own ideas for the design form.Michael Kors OutletAs long as our designers can adhere to Michael Kors Bags the original,Michael Kors Outlet Online from their own to explore,Coach Outlet Online give full play to their independent thinking and independent personality,Michael Kor Store Online I believe that the design environment will become better.michael kors store online For the people we do design,Christian Louboutin Shoes the Internet's information is richer,Ray Ban Outlet including materials,Michael Kors Outlet Store colors, patterns and formsMichael Kors Outlet and other aspects,The North Face Jackets including we can instantly travel through Europe and Europe,Coach Factory Outlet so unprecedented information to the oakley sunglasses outlet design to bring infinite vitality , Which is in any future can not imagine. Now,Coach Handbags Outlet people can do a lot of things at home,Michael Kors Handbags Outlet but there are still many people eager to travel,polo ralph lauren outlet to the field to feel the nature.Oakley Sunglasses Outlet So I think the design should actually play such a role, is to strengthen the human experience. Tory Burch Shoes In the real sense of true religion jeans interior design development only twenty or thirty years,Ralph Lauren Outlet it is equivalent to the development of Western design for nearly a hundred years,cheap jordan so the interior design should be said to nike air max move forward at an extraordinary speed forward.Jordan shoesIf people get things too easy, but will not really appreciate it, understand it,the north face I think this is the designer in ray ban outlet contact with the use of the Internet must consider the issue.Michael Kors Outlet One of the social problems we need to solve in our design is to cheap ray ban sungalsses focus on civic awareness and low-income groups,adidas nmd shoes as well as their needs.The North Face Jackets We actually want to serve the public,Tory Burch Flats not only for the high consumer groups.true religion outlet One of the social problems Tory Burch Outlet Online we need to solve in our design is to focus on civic awareness and low-income groups, as well as their needs.Coach Outlet Store We actually want to serve the public,Coach Outlet not only for the high consumer groups.Moncler Jackets If we can not solve the problem now,kate spade handbags Outlet we can not solve the problems of the present,Burberry Bags Sale but it will not bring about a problem.Coach Outlet glorious future. Ray-Ban Sunglasses Outlet For designers,Christian Louboutin Outlet the changes brought about by the Internet will make Coach Factory Outlet Online everyone's thinking from the traditional,Salvatore Ferragamo individual development for the flat, and the world and related industries exchange status.oakley outlet When we answer what the United States is,Ralph Lauren Outlet we are actually exploring and re-shaping Coach Factory Outlet the context in which we north face jackets communicate with each other.Coach Outlet The construction of kate spade this context will bring about cheap Oakley future design standards,Prada Outlet Store that is, the combination of art and design and the spirit of the present era.Fitflop Shoes In recent years,Michael Kors Outlet with the popularity of online shopping lifestyle,Ray-Ban Sunglasses Outletconsumers of online shopping food,yeezy boost especially the demand for fresh food door growing,Pandora Jewelry Sale "in the era of tory burch outlet storeconsumer upgrades in the background,Michael Kors Outlet online consumers pay more attention to coach outlet product quality and service,Coach Outlet Store Online It is in line with this trend,Coach Factory Outlet and we hope to provide a cheap nike air max safe food kitchen for the people coach outlet store US who are looking for food safety and healthy nutrition,Polo Ralph Lauren as well as a high quality of life service.Spring is coming Coach Outlet Store Online, is your meat still hidden Coach Factory Outlet Online Cough ... Coach Outlet Online this serious topic Coach Outlet we should be understatement to talk about the theme of today's compilation to tell you Michael Kor Factory Outlet talk about the South Korean sister's Polo Outlet early spring show,Michael Kors Outlet Online they spring possession of meat on a moveMichael Kors Outlet, how many years unchanged ~Michael Kors Factory Outlet Online ace leisure models upper and lower time,michael kors outlet with half Skirt,Coach Outlet Clearance pants feel very peach it.Michael Kors Online Leisure can be loaded with meat,Coach Outlet online have to take the man wit,Michael Kors Outlet Onlinecomfortable to wear is not loose,nike shoes the harvest of natural happiness.nike outlet With these leisurely models, cheap Jordan the girl's dress with a hat can catch the range of children,retro jordan shoes her boyfriend sweater,tory burch outletwater sleeve section of the blouse,tory burch sale these are the spring of this year's fire section,oakley outlet online casual easy ride,Michael Kors Outlet in our daily choice Also plays an important role.cheap oakley sungalsses Tee also can not be ignored,ray ban outlet online with a suit this light leisure business Fan is very suitable for just entering the workplace mm,ray ban sunglasses outlet on the style of this andlight luxury,coach outletlight cooked are detached,oakley sunglasses outlet can live businessman can win the land Male,the north face outlet behind the charm value Fitflop Sandals is high Take off the suit,Michael Kors Bags this earth Tory Burch Outlet Store color modeling is light Mature favorite,Coach Factory Outletcoupled with the top of the straw hat can ride on a bike to travel.north face jackets Autumn and winter popular side of the slits sweater,Coach Outlet early spring and playwater sleeve Korean wind mm their little feelings Michael Kors Bags Outlet so how can girls do not touch peachkate spade handbags In addition to the success of modeling in addition to the details of the ingenuity,coach factory outlet the whole body up and down the color is straight poking the men's visual nerve,Coach Outlet Store Online red and white block clean and simple,Michael Kors Outlet not those hypocritical pattern annoying,polo outlet easier to close.Here we come to the West,Polo Ralph Lauren Outlet Store how to put these casual play live,yeezy boost 350 color with your election,Red Bottom Shoes stripes, solid color are no harm,adidas nmd the key is in this loose jacket you need a relatively lined pants,Christian Louboutin Outlet if not work today, pajamas Fan children out of the street is also very comfortable,true religion outlet the premise of your hands to have a Hao Bao.true religion jeans outlet This is the biggest advantage of the A word is to help Burberry Outlet you hide the butterfly sleeves firmly,Pandora Jewelry Ferragamo Shoes cute index is also very high ~ small size mm preferred spring.Qi Yi,North Face Jackets cotton Tee this single product is North Face Jackets Outlet often easy to create a lazy Fan children,Polo Ralph Lauren Outlet wearing high risk in the workplace,kate spade outlet but you see these two models is not bad Striped trousers are very busy.Ray Ban Sunglasses When you choose cotton Tee the best time to pick that design,Ray Ban Outlet low-key show taste.Coach Outlet Cotton Tee is also our year this year,Kate Spade Handbags Outlet a single product - Prada Handbags Yokosuka coat good partner,Tory Burch Outlet Store with jeans handsome full,Coach Outlet hoodies your choice is more, with jeans,Coach Outlet Online with this relatively strange little skirt are zero off sense.Ray Ban Sunglasses Outlet Sports Fan children sweater we try not to choose space when the cotton section,Michael Kors Outlet Online will let you expand into twice the big! You can shop in a treasure and a variety of sea Amoy site to find a lot,Coach Factory Outlet a season for a change is not distressed,Moncler Jackets Outlet with the criteria or that article, waist! Waist! Waist!Oakley Sunglasses Outlet Important thing to say three times.This year the wave of flowers is Polo Ralph Lauren particularly fierce wave of fashion,Coach Factory Outlet fashion circles as if falling into a vast sea of flowers.Coach Outlet Whether it is worn on the body or in his hand,Coach Outlet Stores there is a fairy filled with elegant sense.Coach Factory Outlet Those silk clothes do not have to ask the price Michael Kor Outlet Online , do not have to pursue the brand,Michael Kors Factory Outlet because they look very expensive! Delicate texture,Michael Kors Outlet Store Online even with the most simple cut, can wear clothing you full of stress attitude!Michael Kors Outlet No wonder they all say you are ladies,michael kors outlet online because you bring their own high tags!Ray Ban outlet We all know that the pilot jacket is Michael Kors Outlet Online the fall and winter of this year's explosion,Coach Outlet online but actually there is a Tory Burch jacket you want to challenge it!true religion jeans Who is such a big courage Michael Kors Handbags Is the suede jacket!Polo Ralph Lauren Ferry section of the first to be launched is the representative of suede jacket,Coach Handbags Outlet tassel style.Will suede wild style perfect show,Michael Kors US warm tone will exaggerate a sense of convergence.nike air max Small fairies are not recently been the gods of the road too many new clothes know that there must be a Michael Kors Handbags Outletsister has been deeply felt Moncler sale to eat soil is not easy,cheap nike shoes today to share with you Fitflop Sandals a few wear skills,air jordan shoes with those who will soon enter the closetOf the winter and summer hand from the few pieces of a single product,cheap air Jordan so that you can also be in the days of the cold daysCoach Factory Outlet Store of the United States is not like words.tory burch outlet stores The temperature is caught off guard,tory burch shoes wrapped in a thick coat of winter cheap oakley outlet is not recommended that you put away early,oakley sunglasses dress with a hoodie, style from the winter to the early spring.oakley outletGet rid of the length of the coat to shorten the length of one coat,ray ban sunglasses reduce the dull.Dress and light style,ray ban outlet and then cold,Coach Bags Outlet then you can also stack high-necked shirt,coach outlet store this time you do not wear a jacket is also a stylish presence.Coach Outlet Fashionable girl has a love and hate imitation fur coat,Michael Kors Outlet Store Online put on a called supermodel,Prada Outlet wear bad is the local tyrants Tory Burch Outlet , ah ~ho word crossed,the north face Jackets this season's Burberry Outlet imitation fur coat changed the past black and white gray conservative Color,Kate spade outlet online into a richer color,Oakley Sunglasses nice to look good,north face outlet but more people do not know how to take it kate spade outlet store Warm and why thick coat, imitation fur,Coach Outlet Online sweater is also a single product of autumn and winter evergreen,coach outlet store compared to buy a new sweater,Coach Outlet Online Store with a co-ordination of the yarn skirt may have more surprises.Michael kors outlet Profile and texture of the yarn skirt diluted feminine,Coach Outlet Store sweater yarn density and thickness,Salvatore Ferragamo Shoes so you calmly adapt to the cold season when the heat.Chop hand,polo ralph lauren first look at how many pieces of sweater in the end!Pandora Bracelet So,Ray Ban Outlet Store ah, you are in advance to wear summer clothes,Ray Ban Outlet Store and others do not envy,Michael Kors Outlet Store but also shouting clothes is not enough trouble Polo Outlet Get these little tips,Coach Outlet do not eat soil,adidas yeezy boost 750 to be elegant.The North Face Outlet You can not big,Red Bottom Shoes you can not burst,The North Face Outlet but you can not do not have a pair of Sneaker!adidas nmd runner Who can think of soil sports shoes can also have today's fashion worth,Cheap Christian Louboutin wild all kinds of tide,cheap true religion outlet even big names are rushing to launch,Kate Spade Outlet Store the future limitless!

BoyaQQ

Submitted by Anonymous on Tue, 2017-04-04 05:34.

Your articles were very nice and full of information. BoyaQQ

Link Alternatif BoyaQQ

Submitted by Anonymous on Tue, 2017-04-04 05:33.

Good Job And continue to make useful articles. Link Alternatif BoyaQQ

Vera

Submitted by Anonymous on Fri, 2017-03-31 09:28.

Great post,Thanks a lot for the kind of perfect topic I have not a lot of information about it but I have got an extra unique info in your unique post. DominoHP.net Agen Poker Online Terpercaya