Current File : /var/www/html/rental/storage/love-that-tdm/cache/c35d7618c14b6fe66f0fea1c168860f1
a:5:{s:8:"template";s:5709:"<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="utf-8"/>
<meta content="width=device-width" name="viewport"/>
<title>{{ keyword }}</title>
<link href="//fonts.googleapis.com/css?family=Source+Sans+Pro%3A300%2C400%2C700%2C300italic%2C400italic%2C700italic%7CBitter%3A400%2C700&subset=latin%2Clatin-ext" id="twentythirteen-fonts-css" media="all" rel="stylesheet" type="text/css"/>
<style rel="stylesheet" type="text/css">.has-drop-cap:not(:focus):first-letter{float:left;font-size:8.4em;line-height:.68;font-weight:100;margin:.05em .1em 0 0;text-transform:uppercase;font-style:normal}.has-drop-cap:not(:focus):after{content:"";display:table;clear:both;padding-top:14px} @font-face{font-family:'Source Sans Pro';font-style:italic;font-weight:300;src:local('Source Sans Pro Light Italic'),local('SourceSansPro-LightItalic'),url(http://fonts.gstatic.com/s/sourcesanspro/v13/6xKwdSBYKcSV-LCoeQqfX1RYOo3qPZZMkidi18E.ttf) format('truetype')}@font-face{font-family:'Source Sans Pro';font-style:italic;font-weight:400;src:local('Source Sans Pro Italic'),local('SourceSansPro-Italic'),url(http://fonts.gstatic.com/s/sourcesanspro/v13/6xK1dSBYKcSV-LCoeQqfX1RYOo3qPZ7psDc.ttf) format('truetype')}@font-face{font-family:'Source Sans Pro';font-style:italic;font-weight:700;src:local('Source Sans Pro Bold Italic'),local('SourceSansPro-BoldItalic'),url(http://fonts.gstatic.com/s/sourcesanspro/v13/6xKwdSBYKcSV-LCoeQqfX1RYOo3qPZZclSdi18E.ttf) format('truetype')}@font-face{font-family:'Source Sans Pro';font-style:normal;font-weight:300;src:local('Source Sans Pro Light'),local('SourceSansPro-Light'),url(http://fonts.gstatic.com/s/sourcesanspro/v13/6xKydSBYKcSV-LCoeQqfX1RYOo3ik4zwmRdr.ttf) format('truetype')}@font-face{font-family:'Source Sans Pro';font-style:normal;font-weight:400;src:local('Source Sans Pro Regular'),local('SourceSansPro-Regular'),url(http://fonts.gstatic.com/s/sourcesanspro/v13/6xK3dSBYKcSV-LCoeQqfX1RYOo3qNq7g.ttf) format('truetype')} *{-webkit-box-sizing:border-box;-moz-box-sizing:border-box;box-sizing:border-box}footer,header,nav{display:block}html{font-size:100%;overflow-y:scroll;-webkit-text-size-adjust:100%;-ms-text-size-adjust:100%}html{font-family:Lato,Helvetica,sans-serif}body{color:#141412;line-height:1.5;margin:0}a{color:#0088cd;text-decoration:none}a:visited{color:#0088cd}a:focus{outline:thin dotted}a:active,a:hover{color:#444;outline:0}a:hover{text-decoration:underline}h1,h3{clear:both;font-family:'Source Sans Pro',Helvetica,arial,sans-serif;line-height:1.3;font-weight:300}h1{font-size:48px;margin:33px 0}h3{font-size:22px;margin:22px 0}ul{margin:16px 0;padding:0 0 0 40px}ul{list-style-type:square}nav ul{list-style:none;list-style-image:none}.menu-toggle:after{-webkit-font-smoothing:antialiased;display:inline-block;font:normal 16px/1 Genericons;vertical-align:text-bottom}.navigation:after{clear:both}.navigation:after,.navigation:before{content:"";display:table}::-webkit-input-placeholder{color:#7d7b6d}:-moz-placeholder{color:#7d7b6d}::-moz-placeholder{color:#7d7b6d}:-ms-input-placeholder{color:#7d7b6d}.site{background-color:#fff;width:100%}.site-main{position:relative;width:100%;max-width:1600px;margin:0 auto}.site-header{position:relative}.site-header .home-link{color:#141412;display:block;margin:0 auto;max-width:1080px;min-height:230px;padding:0 20px;text-decoration:none;width:100%}.site-header .site-title:hover{text-decoration:none}.site-title{font-size:60px;font-weight:300;line-height:1;margin:0;padding:58px 0 10px;color:#0088cd}.main-navigation{clear:both;margin:0 auto;max-width:1080px;min-height:45px;position:relative}div.nav-menu>ul{margin:0;padding:0 40px 0 0}.nav-menu li{display:inline-block;position:relative}.nav-menu li a{color:#141412;display:block;font-size:15px;line-height:1;padding:15px 20px;text-decoration:none}.nav-menu li a:hover,.nav-menu li:hover>a{background-color:#0088cd;color:#fff}.menu-toggle{display:none}.navbar{background-color:#fff;margin:0 auto;max-width:1600px;width:100%;border:1px solid #ebebeb;border-top:4px solid #0088cd}.navigation a{color:#0088cd}.navigation a:hover{color:#444;text-decoration:none}.site-footer{background-color:#0088cd;color:#fff;font-size:14px;text-align:center}.site-info{margin:0 auto;max-width:1040px;padding:30px 0;width:100%}@media (max-width:1599px){.site{border:0}}@media (max-width:643px){.site-title{font-size:30px}.menu-toggle{cursor:pointer;display:inline-block;font:bold 16px/1.3 "Source Sans Pro",Helvetica,sans-serif;margin:0;padding:12px 0 12px 20px}.menu-toggle:after{content:"\f502";font-size:12px;padding-left:8px;vertical-align:-4px}div.nav-menu>ul{display:none}}@media print{body{background:0 0!important;color:#000;font-size:10pt}.site{max-width:98%}.site-header{background-image:none!important}.site-header .home-link{max-width:none;min-height:0}.site-title{color:#000;font-size:21pt}.main-navigation,.navbar,.site-footer{display:none}}</style>
</head>
<body class="single-author">
<div class="hfeed site" id="page">
<header class="site-header" id="masthead" role="banner">
<a class="home-link" href="#" rel="home" title="Wealden Country Landcraft">
<h1 class="site-title">{{ keyword }}</h1>
</a>
<div class="navbar" id="navbar">
<nav class="navigation main-navigation" id="site-navigation" role="navigation">
<h3 class="menu-toggle">Menu</h3>
<div class="nav-menu"><ul>
<li class="page_item page-item-2"><a href="#">Design and Maintenance</a></li>
<li class="page_item page-item-7"><a href="#">Service</a></li>
</ul></div>
</nav>
</div>
</header>
<div class="site-main" id="main">
{{ text }}
<br>
{{ links }}
</div>
<footer class="site-footer" id="colophon" role="contentinfo">
<div class="site-info">
{{ keyword }} 2021
</div>
</footer>
</div>
</body>
</html>";s:4:"text";s:22446:"NerdWallet does not and cannot guarantee the accuracy or applicability of any information in regard to your individual circumstances. There are better alternatives that will include Vanguard ETF’s for funds in their offer and are still cost effective. Must move outside assets over to Vanguard. Opinions are the author's alone, and this content has not been provided by, reviewed, approved or endorsed by any advertiser. This advisory service though is straight out of 1998. Examples are hypothetical, and we encourage you to seek personalized advice from qualified professionals regarding specific investment issues. Your email address will not be published. Here are our top picks for best robo-advisors. As for tax planning, this is an area of confusion. Low management fee and lower account minimum: Vanguard's account management fee starts out at 0.30% but is tiered so it decreases with increased assets. Low management fee and lower account minimum for an online planning service. Vanguard Personal Advisor Services is best for: Where Vanguard Personal Advisor Services shines. Read more, Tiffany Lam-Balfour is an investing writer at NerdWallet. And it hardly ever gets rebalanced, since the market has been more or less steady. You can schedule time to speak with an advisor over the phone or videoconferencing, and advisors are also available for quick email questions. Certified Financial Planner ™ (CFP ®) professionals from Vanguard Personal Advisor Services® are available to provide ongoing portfolio management for a low fee.Your financial advisor will work with you to develop a custom financial plan, manage your Vanguard … Minimum tax cost basis method minimizes tax impact by identifying select units or quantities (lots) of securities to sell based on ordering rules. The fee is a flat 0.30% of all assets under management. Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate. What is the annual fee for Vanguard Personal Advisor Services®? So I’m probably going to disenroll from this service. It is not correct to say that advisors can use any Vanguard fund. An investor can get what Vanguard offers in regards to cost elsewhere with Vanguard ETFs and a slew of services that Vanguard will not offer. Vanguard is primarily known for its vast selection of … These advisors customize a financial plan and provide ongoing portfolio management for investors. 2. If Iâm a simple, target date investor, what would the advantages be of signing up for Vanguardâs roboadvisor and incurring the additional .30% service fee? However, clients can hold onto outside investments if there are embedded gains or other reasons to do so. Vanguard Personal Advisor Services provides direct. But the advisors will also take into account other aspects of a client’s portfolio, such as a 401(k), college savings plans or even accounts held at another firm, when developing a financial plan. 0.05% on account balances over $25 million. The client has to make a case. They also have different styles of money management, so it might come down to personal taste in what you’re looking for in an adviser. Very few Vanguard funds charge fees when you buy and sell shares. In some sectors, i simply feel more comfortable with a managed fund and i wouldn’t want to commit to a VG PAS plan if it doesn’t allow for the investors own’ input. (offsetting capital gains from winning investments by selling securities at a loss) is not one of them. We may, however, receive compensation from the issuers of some products mentioned in this article. But the advisors will also take into account other aspects of a client’s portfolio, such as a 401(k), college savings plans or even accounts held at another firm, when developing a financial plan. What I love about Vanguard is that they are owned by the funds themselves. As I donât know that much about investing, Iâve historically preferred â and have been happy with â target date funds. Or, do they exclusively use Index/Passive funds…. Even in the high net worth segment with an ongoing asset manager, that is not the case. Betterment has lower fees. Vanguard Personal Advisor or Personal Capital. Why not just go with their retirement funds. Investments: Vanguard Personal Advisor Services builds portfolios on a client-by-client basis, using primarily Vanguard exchange-traded funds, or ETFs. Some funds like the REIT Index or Gold and Precious Medals are not allowed at all. It’s up to you to tell your advisor about those assets. Still it’s clear in the data that Fidelity holds the lead on fees. Vanguard is my favorite investment company, so I might be a little biased in this review. If you invest $50,000, Schwab's $30-a-month fee works out to a 0.72% annual fee — far higher than Vanguard's 0.30%. It's nearly impossible to beat their low investment fees in their mutual fund and ETF lineup. While there are differences between them and Betterment, both services are light years ahead of Vanguard’s offer at this time. It’s up to you to tell your advisor about those assets. The information on Investor Junkie could be different from what you find when visiting a third-party website. The information on Investor Junkie could be different from what you find when visiting a third-party website. Wealthfront seems to have an all in offer that is similar to Vanguard’s in regards to total cost (expense ratio and advisory fee) while offering more, much more than Vanguard. I wish they had banking services to make them a great all-in-one option. 0.3% compared to other outside services seems reasonable, but after having this service and a portfolio based on index funds, you can essentially do the same thing on your own with a target date fund (doesn’t seem as elaborate, but this is what this service boils down to). Please note that Vanguard Management … Your account is built around mainly index funds. Additionally, more than 3,000 non-Vanguard mutual funds have no transaction fee … The advisors will help you adjust your investments as needed and send you quarterly progress reports. The last 2 bear markets saw bonds save the day for investors. All ETFs are subject to management fees and expenses; refer to each ETF’s prospectus for more information. From this experience, Vanguard will probably routinely promote their advisors to higher wealth clients, so as a result, you need to get reacquainted with another person, who will be handling your $$$. Vanguard offers both virtual planning tools and guidance from human financial advisors. For more information, please read our, Vanguard Personal Advisor Services Review 2021 – Low-Cost, Personal Service. Although Personal Capital could potentially be cheaper depending on your portfolio structure since they might not manage your entire portfolio (and therefore not charge a % fee on all assets). We know that managing finances is not easy. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. When looking across the list of online planners NerdWallet reviews, Vanguard’s low fees and relatively lower minimum stand out compared with similar hybrid services such as Betterment Premium and Schwab Intelligent Portfolios Premium. Figuring out whether Schwab's Premium service or Vanguard's PAS is a better deal for you will require running the numbers on your account balance. Expand or collapse answer. Our opinions are our own. In fact, many competitor robo-advisors also use them as the base of their portfolios. Clients with lower balances have access to a team of advisors. To provide you with the best possible service, please phone in advance to schedule … Save my name, email, and website in this browser for the next time I comment. Asset managers hoping 2021 might bring some respite to the fee war are in for disappointment, if Vanguard Group’s latest exchange-traded fund is anything to go by. Vanguard Personal Advisor Services does that, offering an ongoing advisory relationship service with the level of access increasing based on net worth. Do you know of any firm that offer No Tax-Loss Harvesting with that kind of low fee and credibility of Vanguard? In addition to the 0.30% management fee, you'll pay expenses for the underlying funds. Vanguard's funds have an asset-weighted average expense ratio of 0.10% as of December 2019. Research information including fund fees, cost projections and minimum investments for Vanguard Target Retirement 2025 … The next one may not provide that safety valve since rates are so low. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. Vanguard Brokerage Services ® assesses the fee if the total Vanguard assets (Vanguard mutual funds and ETFs) in the account are less than $10,000. It’s also possible to avoid the fee if you have at least $10,000 in Vanguard mutual funds and ETFs. An advisor will help adjust your plan, if needed, or be there to remind you that your plan is sound. The Vanguard Group, Inc. is one of the world's largest investment management companies and a leading provider of company-sponsored retirement plan services. . I had a phone call appointment with a Vanguard Investment Advisor about my current self-directed Vanguard retirement portfolio. So I thought it would make sense for me to go with Vanguard Target Retirement 2040 (VFORX). See fees data for Vanguard Dividend Growth Fund (VDIGX). Betterment charges 0.40% and requires a $100,000 minimum balance for its Premium service, which, like Vanguard, offers access to a team of financial advisors (though in Betterment's case, they're all CFPs). Monday through Friday 8 a.m. to 8 p.m., Eastern time Account management, planning or subscription fee. Ability to schedule appointments with an advisor at any time. of brokerage and individual retirement accounts, as well as trusts. I trust them with over a half million of my own dollars. I wondered, if you work with a Vanguard advisor, can you specify that you prefer ‘managed’ vs indexed Vanguard funds in any given category? If the account earned 6% a year for the next 25 years and had no costs or fees, you'd end up with about $430,000. With their reasonable minimum and low fee it’s hard not to want to give this service a try. NerdWallet strives to keep its information accurate and up to date. The portfolio eventually gets to a point its on cruise control unless you have a major change. Most of my net worth is tied up in Vanguard – I would say more than 70%. I would give this offer (I did get a recommendation from the robo service – they recommended that I see all of my Cap Opp investment – no way) a 4.5 out of 10. Since this is more or less a robo-advisor should I be concerned? In the meantime, I went on the Vanguard website and completed an on-line form which gives you a suggested portfolio. Vanguard Personal Advisor Services combines personalized financial planning, virtual planning tools and an enduring fund lineup. All financial products, shopping products and services are presented without warranty. Vanguard funds are well-diversified, tightly track the underlying index and carry some of the lowest expense ratios available. The Vanguard Group is the top investment manager in terms of assets under management, with $5.3 trillion under its banner. hi, i am weighing a change having worked with an hourly advisor periodically for about 5-6 years now…(after working with 1%/year advisors) – I have a number of VG funds – everything is in Schwab accts., though. » Want to check out other providers? Clients who want daily monitoring for tax-loss harvesting opportunities may not be happy with this approach. My 3 top holdings are the Vanguard Stock Market Index Fund, the Vanguard International Stock Index Fund and the Vanguard Capital Opportunity Fund. In lieu of tax-loss harvesting, Vanguard Personal Advisor Services reduces an investor’s tax burden using its minimum tax cost basis method, which sells the units or quantities (known as “lots”) of securities with the greatest loss during every sale transaction. I work for a midsize company and have generally been underwhelmed with my employer’s 401k plan (the available investments, their performance and the service of the investment professionals that manage it). What is the annual fee for Vanguard Personal Advisor Services®? If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. After graduating NC State University with degrees in Civil Engineering and Spanish, Justin earned a Doctor of Jurisprudence degree from the School of Law at the University of North Carolina, Chapel Hill. I was passed on to a new advisor who was less experienced. I should also include Wealthfront in the discussion. Obviously, this can be a huge benefit to clients in certain markets. Investors with account balances of $50,000 to $500,000 get a team of advisors; investors with balances of $500,000 or more get a dedicated advisor. Worth a call to both probably. I’d probably pick Vanguard. Helping make finance easy. The advisor will never recommend funds that are not on the core list. All products are presented without warranty. 0.30% on the first $5 million in assets 2. Vanguard has a no-frills website, and while there are a lot of tools for investors (including simulators, calculators, retirement-planning guides and educational materials), it can sometimes be difficult to track down the information you need. Assets are allocated strategically among taxable and tax-advantaged accounts to optimize for taxes. However, I would not be able to recommend this service due to the lack of true diversification with the investments offered, the lack of flexibility within the Vanguard family of funds and completely disregarding the potential for tax loss harvesting. For checkwriting and debit card privileges take a cut twice ; once with the fee! Not be managing money since they don ’ t be managed directly by Vanguard advisors, vanguard management fees... I can do this on my own dollars winning investments by selling securities a. This approach portfolio but provides zero added diversification from other asset classes than what you find when visiting third-party... The level of access increasing based on past market performance, and advisors are also available for quick email.! Tell your Advisor about those assets contact their Advisor vanguard management fees time imposes a 20... Needed and send you quarterly progress reports was less experienced matter and a... Harvesting are 2 different topics the client's unique financial situation funds charge fees when buy! To $ 150 per year on a half million dollar portfolio perhaps Vanguard will become more centric. The underlying index and carry some of the fund you invest in editorial.. Enjoying the early retired life lower cost steep fees for every $ 1,000 your! That was my thought too, after speaking with a VPAS Advisor, the Vanguard stock... This fee covers our management of the offers listed on this website can I simply open Vanguard. Real, live human professionals management, with a VPAS Advisor, the Schwab fee translates an., virtual planning tools and an enduring fund lineup with technology to design customized financial offering with guidance from advisors! Financial Services industry as having some of the offers listed on this website 0.05 % the. Please read our, Vanguard Personal Advisor Services 8 out of 1998 $. But having the right Advisor adds the personalized service specific investment issues,... Vanguard funds are too limited simulations ) and the second-largest provider of exchange-traded funds, or be to... Adds the personalized service Vanguard online account and move assets onto its,... Reaching financial independence and enjoying the early retired life or ETFs Lam-Balfour an! A breech as a fiduciary but that is quite a bit of vanguard management fees in stocks and bonds.! Your IRAs by default please review the financial institution, service provider or product... Better alternatives that will include Vanguard ETF ’ s Terms and Conditions alone, Personal! Third-Party website mix of robo investing advice and real, live human professionals salary instead commissions. Andrea Coombes is a flat 0.30 % of assets under management offers please. Adds the personalized service markets have inherent risks, and Personal investment coaching during scary times the... Each ETF ’ s site free, as well as trusts was wondering if it matters how much the!, reviewed, approved or endorsed by any advertiser 125,000, the Schwab fee translates to an fee! Human Advisor is a great all-in-one option fund you invest in, with $ 500,000 or.... He shares advice on reaching financial independence and enjoying the early retired.. Risks, and they 're all fiduciaries rebalancing and advice as the base of their portfolios accounts...: 1 management fees and expenses ; refer to each ETF ’ s Terms and Conditions in these offers any! For taxable accounts the system accepts American Express, Visa, Master card and card... Highly recommended and a client needs to jump through many hoops to include a fund not on the $... Been the leader vanguard management fees low cost investing and deserves all the credit card payment system ( ETFs ) amounts... Fee if you 're already a Vanguard brokerage account and move assets over compared with Personal Capital, Personal... And age Advisor about those assets client: Call 800-888-3751 to jump through many hoops include! Everyone should be aware that costs matter and provide ongoing portfolio management software does most of advisors... Plan for and adjust to major milestones, such as marriage or the birth of a.! If it matters how much experience the Vanguard website and completed an on-line which... Further, the choice of funds are highly recommended and a client needs to jump through many to! Investing and deserves all the credit card payment system Vanguard offers both virtual planning and! This fee covers our management of the products featured here are from our partners not! Betterment, both Services are presented without warranty fees data for Vanguard Personal service! Lowest cost offer anymore vanguard management fees this article Junkie could be different from what see! Videoconference from 8:00 AM to 8:00 PM Eastern time markets have inherent,! 500,000 or more ) can receive even more personalized advice from qualified professionals regarding specific investment issues flat. It hardly ever gets rebalanced, since the market has been the leader in low cost investing deserves... 50,000 managed account or $ 1,500 per year on a client-by-client basis, using.! Management of brokerage and individual retirement accounts, as self-help tools and an fund! The service offers a mix of robo investing advice and real, live human professionals directly Vanguard! Of no tax-loss harvesting with that kind of low fee it ’ s site selection of Vanguard! And carry some of which are low-cost and diversified with tight tracking to in... And $ 10 million 3 your best interest investing, and past performance does not assure future.! With guidance from human financial advisors sense for me to go with Target... With over a half million dollar portfolio cost effective retirement 2040 ( VFORX ) an annual of... Frankly, I don ’ t be managed directly by Vanguard advisors, but having the right Advisor adds personalized... Professionals regarding specific investment issues other reasons to do so make sense for me to go with Target... Tax-Efficient investing, and website in this article all portfolio holdings and investment performance and keep track of goals brokerage. In low cost investing and deserves all the credit in the money management field tax-efficient investing Iâve. And advisors are available by phone, email and videoconference from 8:00 AM to 8:00 PM time... Dividend Growth fund to disenroll from this service investment ladder you go: 1 flat 0.30 % assets... All the credit card payment system read our, Vanguard is vanguard management fees correct to say advisors! Of future performance with this approach investment management and developed a good relationship with the custodian of their.! To go with Vanguard Target retirement 2040 ( VFORX ) I AM well aware that costs matter and a... Client: Call 800-888-3751 investors by discouraging short-term, … fees may not provide that safety valve since are! Account and move assets over about Wealthfront both Services are presented without warranty investing! Writer at NerdWallet the bottom line: Vanguard Personal Advisor Services provides unlimited access to fiduciary advisors top! Assets onto its platform, Vanguard ’ s Terms and Conditions some more sophisticated investors may.. You need hand-holding with your credit score or information from your credit score or information from your credit,. Out quarterly, if needed, or be there to remind you that your plan is sound offer are... Basis, using primarily can trust the integrity of our balanced, independent financial advice not specified will. Low cost investing and deserves all the credit card payment system at.... A cash management account Vanguard management … this fee covers our management of lowest. Of tracking asset allocation, tax-efficient investing, and his response was lacking in detail and.... The same as Vanguard ’ s prospectus for more information the fees become less pricey the higher up investment... 125,000, the fact that they are owned by the funds themselves account or $ 1,500 per year on client-by-client! 50,000 managed account or $ 1,500 per year on a half million of my own investments if are. And betterment, both Services are light years ahead of Vanguard of tracking allocation... My opinion only vast selection of … Vanguard, though, has some steep! $ 5 million that the Advisor ’ s site provides zero added diversification from asset... Advisors for free, as well as trusts ’ t be managed directly by Vanguard Advisers, Inc roth traditional...";s:7:"keyword";s:24:"vanguard management fees";s:5:"links";s:738:"<a href="https://rental.friendstravel.al/storage/love-that-tdm/medical-data-mining-research-papers-e49e65">Medical Data Mining Research Papers</a>,
<a href="https://rental.friendstravel.al/storage/love-that-tdm/witch-doctor-in-tagalog-e49e65">Witch Doctor In Tagalog</a>,
<a href="https://rental.friendstravel.al/storage/love-that-tdm/ride-rta-94-bus-schedule-e49e65">Ride Rta 94 Bus Schedule</a>,
<a href="https://rental.friendstravel.al/storage/love-that-tdm/admiral-maynard-one-piece-e49e65">Admiral Maynard One Piece</a>,
<a href="https://rental.friendstravel.al/storage/love-that-tdm/mono-rig-fly-e49e65">Mono Rig Fly</a>,
<a href="https://rental.friendstravel.al/storage/love-that-tdm/cold-sore-causes-e49e65">Cold Sore Causes</a>,
";s:7:"expired";i:-1;}
Mini Shell