The average salary of a actuary after 10 exams and the average salary of a CFA and nothing else doesn’t make sense. Each section only has 1 page of notes, if you can even call it that, followed up made up practice problems with solutions. Then if we assume 4 weeks vacation for each, the consulting actuary averages $73. Go to actuary r/actuary. The first is an Honesty and Integrity Module, the second is the actual actuarial module with a bunch of slides, focusing on Emotional Intelligence and conducting yourself professionally. Hi all, I'm planning to take the ALTAM exam in Oct 2023. I do not work in any of the above mentioned roles. There is a first-time pass bonus that varies in amount by exam but is about the same amount as study materials and exam fees. Professional Sections. If you fail the first submission and have to retake, it’s not the end of the world. Exam 5 has a lot of calculation problems. I recently saw an old post from someone who had just written exam SRM where they were upset that CA hadnt really prepared them for the exam. I'm currently using TIA for EA-1 and I can confirm that Rick does still respond to questions. First, familiarize yourself with all of the material (as I did with the ACTEX manual) to the best of your ability. Exam P, Passed January 2014. But in any event, you need to have good communication skills and knowledge about the profession to be able to impress an employer on an interview and get the job. Probably would help in getting hired, but beyond that I don't think there's much overlap. 2) Data Analysis with Pandas and Python by Boris P (Udemy course typically $10) This teaches how Pandas/Dataframes works. I recently saw an old post from someone who had just written exam SRM where they were upset that CA hadnt really prepared them for the exam. About 10% is CB/DB. OC2 -> Insurance Accounting, Coverage Analysis, Insurance Law, and Insurance Regulations. Adventurous_Sink_113 • 2 yr. • The SOA will refund the registration fee, minus a cancellation fee of $100 (U. 5 years (3 exams for cfa) vs 4-5yrs ( 12 exams+few resits). Nov 29, 2022 · Getty. Actuarial Studies at Macquarie University Pro: exemption from Part I (maybe some of Part II) for Actuary exam Cons: entry level jobs for. 7% (£1385. An actuary is a statistician who researches and analyzes numbers on risk in order to estimate the potential pitfalls and rewards of a business or government. Step 1. Technically got my offer at 1 exam (73K). And of course, that the exponential is a form of gamma. Reinsurance is probably the BEST field for ambitious young actuaries to work in if you start at a broker. For the PAF specifically, my turn around time was a just under four weeks. FAM-L Discussion. We are expected to study in our free time, have advanced math skills and have advanced computer/coding skills. 70% for december 2021 as well and i found that sitting to be much harder than both sittings in 2022 and they have pass rates of 64. Typically the ideal positions for a QFI actuary includes ALM or asset modeling for insurers, VA hedging, or in pensions. Breaks are important for committing new information to long term memory. There are also people who meander through attempting exams and failing much longer than that before giving up, at which point now you've wasted additional years of life. • 2 yr. It's definitely possible (although many would advise against it), but you need to put in the time. Time management is critical to these exams - stick to the 3 minutes per point rule. In fact, many mid-careers leave the profession; 3-If you are in USA, where the certification is exam-based, and you are a kind of 2) point above, you will HATE it. Medical and Health Services Manager Business. Other benefits: Critical illness insurance, group income protection, life assurance, personal accident insurance, dental insurance, remote GP, health cash plan. r/actuary: Subreddit for actuarial professionals, students and interested (innocent) bystanders. Not impossible but pretty much impossible with just 1 exam, no internship, 3. At the time of graduation I had only passed P, so I wasn’t expecting to get any job offers. For most, ASA in 3-5 years, FSA in another 2+ years. That assumes a 261 working days, 7. At qualification 70-75k. ago Rattled ActuaryUK moderators delete disabled slur then lie about their "light touch" moderating The disabled slurs directed towards us & shamefully tolerated on ActuaryUK until we made an issue of it has finally been deleted. I didn't find the material (or the formulas) very intuitive and I struggled a lot. This is all you need the 1% of the time it does come up. There is a huge difference and it doesn’t get talked about enough. Other benefits: Critical illness insurance, group income protection, life assurance, personal accident insurance, dental insurance, remote GP, health cash plan. Sounds that it is much easy to choose a topic in pricing field. Best of. Coaching actuaries SRM prep. We are expected to study in our free time, have advanced math skills and have advanced computer/coding skills. It’s very limited in the industry you’ll get into. CavemanDa3 Health • 5 yr. 2-4 weeks. I took exam P during my last semester of college. If we now include the 430 study hours into his salary (because those are technically hours spent keeping your job), then that breaks down to $24 per hour. This wiki page displays responses to /r/actuary's employer actuarial exam program survey 2018. Below please find the determination from the exam committee regarding the reported defective question (s). C: FM. It will help you land an internship very early on. The post has 60 comments and 61 upvotes. I was also planning to give the FAM Exam in March and will begin to study from Jan 2nd onwards. Tldr Perhaps consider computer science and data science majors to keep your options open. But when you’re working and writing exams at the same time, it’s likely that about 80% – 90% of your time will go toward work, studying, and sleep. 5 years for ASA to FSA. If you check any salary survey, non-technical jobs like accounting have caught. MFE was the opposite of MLC. But these bonuses are capped very low at the analyst level like maybe 5-10% of your pay. The Fundamentals of Actuarial Mathematics (FAM) Exam provides an assessment of candidates' actuarial methods in modeling, both short-term and long-term. The opportunity cost for studying for actuarial exams is way too high. You have to pass 3 exams (EA-1, EA-2F, EA-2L), then apply for designation from IRS with another actuary’s recommendation. I used TIA and past examiners reports to study, didn’t touch source. I just got DMAC results last week so this would be the last thing i needed for March FAC/FSA. Then if we assume 4 weeks vacation for each, the consulting actuary averages $73. I think they are called P and FM. Someone should perhaps tell the Times that the bigger scandal is not the bullying at top level but the fact that we have to take exams covering the CS2 syllabus which has 20% pass rate whilst the europeans take exams on similar material which have 70% pass rate. I just got DMAC results last week so this would be the last thing i needed for March FAC/FSA. The exams make you learn topics beyond math. DAD4GAME • 7 mo. Exams passed: MSc degree in actuarial science (no additional exams required in my country) Location: Eastern Europe (remote) Base: $39k. If you check any salary survey, non-technical jobs like accounting have caught. Here is a quick summary of the (cleaned) data: Total Sample Size. You don't have to do tax or auditing, there are many other options. I didn't have any experience related to the field while in university so that might be. One, the actuarial profession is marketed and sold through different channels. Avoid the pitfall of spending too much time perfecting an answer that is already. (Or so ive heard/read). To answer your question: No, I do not think becoming an actuary will make you "somebody. But you are a new fellow, so while it seems you're still underpaid, you may have raises on the say. Same idk what's going on. 2+ years is more likely for most given an exam fail and increased workload. Any help will be appreciated!. Since for FAM, CA suggests an EL of 5. It's depend on how you are familiar with P and FM. The responses are self-reported and /r/actuary has no way to verify or validate the claims of the results. Reminder about the rules - you can now discuss the exam in general terms, including perceived EL, high level discussion of topics, and defective questions. Thousands of your forebears have figured out the EMA stuff. Needless to say, this creates stress. A Reddit community of actuaries who share their experiences, opinions, and advice on the profession. Usually people billing 8 hours = working 9-10 hours. Wish em marry Christmas and Hanukkah and Kwanzaa and Thanksgiving and stuff. I enjoy insurance and I feel the domain knowledge I possess from starting as an actuary has been critical in the value I add. Exam 5 focuses more on specific actuarial techniques that involve simple arithmetic vs highly theoretical math topics found in earlier exams. Is anyone here planning on taking ATPA for the first sitting? Looks like the submission dates are 6/1/2022 - 8/31/2022. Research Institute. Actuarial job market: from shortage to saturation in 20 years. depends on the type of company and size of the company. Here are 4 Best Actuary Forums you should follow in 2023 1. The company cannot actually cover their SCR as subordinated debt is Tier 3 capital and cannot account for more than 15% of the capital to cover the SCR. Actuary is regarded as one of the best and among the Highest paid professions. Sounds that it is much easy to choose a topic in pricing field. Read the prep material and take it seriously. So I think 1 and a half is enough. So assuming you graduated college later, or took a while to get an actuarial job, or took a few gap years, your entry-level pay puts you in the top 16% of earners among 25-year-olds. I'm going to guess full remote for a fresh entry level will start to become rarer and will start to expect some type of hybrid as you learn. r/actuary: Subreddit for actuarial professionals, students and interested (innocent) bystanders. A Reddit community of actuaries sharing their salary and experience in the field of actuarial science. The Opportunity in Pensions. MD needs to do the same + work crazy hours + save people’s lives. Generally as an actuary you specialise in life insurance, general insurance (my field), investments or superannuation. The ASA exams have 2 "attractor" exams. Studying BCom double major in Maths and Finance at University of Sydney Pro: wider career choice, as I'm also interested in analytics jobs or bank investment Cons: no exemption for Actuary exams. If you have kids, then you need term life insurance around 10x your annual salary until your kids are grown up. Sounds that it is much easy to choose a topic in pricing field. If there is enough popular support I will include state (to keep things less identifiable). In my estimation, compensation for work + study hours combined is pretty poor whilst you are an actuarial student. 7m in 2019. Luckily it’s available free online - the syllabus for the exam has the link to it. Then, move onto ADAPT and complete a few practice exams -- recognize WHERE your weak points are. Fall 2020 is also the semester I'll be taking Probability Models and Time Series. (Or so ive heard/read). Not the BEST, but quite a lot compared to a lot of careers. Saturation is basically when supply is greater than demand. The the main distinction in the work is that in Life/Pension the only insurance risk you're analyzing is when someone dies. Based on the anecdotes here, 65-75k has been the stagnant wage for entry actuarial for the past decade. Subreddit for actuarial professionals, students and interested (innocent) bystanders. 14th Amendment, Section 3 and Trump's 2024 presidential run. Now, I know that sub is for our American counterparts, but I. An normal insurance actuary won’t see a penny above 160k unless you go into management and even then it’s hard to break through 250k. Topics of interest could be IFoA related (particularly studying to qualify). Exams passed: MSc degree in actuarial science (no additional exams required in my country) Location: Eastern Europe (remote) Base: $39k. The opportunity cost for studying for actuarial exams is way too high. You also asked during busy season so they’re even more likely to be jaded. 33 an hour while the insurance actuary averages $84. The fact you have major in actuarial science should be one of the more detailed parts. Let me clarify that this a great career. My only suggestion is to bring the dates of your exams passed over a bit to align with the start of your second column below. Got the same offer for 2 exams, but I consider myself lucky compared to my classmate who were offered less. I read SOA workstation tutorial, but it seems like it's more relevant to the exams prior to April 2023. Violation right off the bat, no question. I was then able to land an entry level job once I graduated with no internships and only 1 exam. The image was shared to Reddit by an anonymous young person saying they were considering moving in, based on the space being offered at $150 per week. Actuary is regarded as one of the best and among the Highest paid professions. An actuary is a statistician who researches and analyzes numbers on risk in order to estimate the potential pitfalls and rewards of a business or government. Then, move onto ADAPT and complete a few practice exams -- recognize WHERE your weak points are. Well, actuaries lead the SOA, specifically the board, president, and president-elect. I was then able to land an entry level job once I graduated with no internships and only 1 exam. The "new" module requirements (if you bought the FAP modules after Jan 1st 2022) for obtaining your ASA are: - Pre-Actuarial Foundations Module (Replaces the old module 1 & 2) - $200. It is a business job with some math, not a math job with some business. In many careers, advancement may involve office politics, luck, connections, etc. The person will talk through the questions with you and they are not super out there. Lower barrier to entry. However people link Actuarial Salary to exams. Other users reply with their own experiences, opinions and questions about the actuarial profession and its challenges. The more future minded the questions the better. To your advice, choosing a "finance or math degree while studying in your spare time" is choosing to lose more of your 20s to exams than the equivalent actuarial degree that gives you 5-7 exams for free. Study in the morning, if you work somewhere and have study hours study at your desk, hard to dick around on your phone and procrastinate with coworkers walking around you. Studying BCom double major in Maths and Finance at University of Sydney Pro: wider career choice, as I'm also interested in analytics jobs or bank investment Cons: no exemption for Actuary exams. Also, a raise for each exam that isn't dependent on passing on the first try. That 31/35 has given me such a huge confidence boost until I attempted a EL6 adapt exam earlier. 2+ years is more likely for most given an exam fail and increased workload. 89 an hour. The feedback noted that some questions were possibly defective. I was quite thoroughly prepared is what I feel, I had done the past year papers and the material too. This is both a good and bad thing. So assuming you graduated college later, or took a while to get an actuarial job, or took a few gap years, your entry-level pay puts you in the top 16% of earners among 25-year-olds. The opportunity cost for studying for actuarial exams is way too high. Needless to say, this creates stress. And they barely cover their MCR as Tier 3 capital cannot be used to cover MCR at all. Come discuss actuarial exams, insurance industry topics, and general shenanigans. Enrolled Actuary! It’s given by the IRS for actuaries that work specifically on retirement plans. 2004 / 1 exam / 2 internships - $50K or $79K when adjusted for inflation. You have to be willing to do what others can't or won't. Now an 18 year old needs to decide if they reeaaallyy want to be an actuary and commit to spending way more on school, vs the in-state school down the street that is a third the cost. Any advise on how to get better prepared is highly appreciated!. Professionals, students and prospective students are all welcome to contribute. Actuaries assess risk for insurers and other. SweepingRocks • 6 mo. The April 2022 pass rates are below the average pass rate since c19 came in. This is so underestimated. D: P. Just pull up to a bar in your sports car, walk in, and "accidentally" drop copies of your W-2 on the bar next to some girls you're interested in. • 2 yr. CM/CS/CB Results Thread Studying Good luck for results all! (And. There is less of an expectation to demonstrate exam progress as a grad since not many universities offer actuarial science degrees. But hey, at least now there won’t be so many people complaining it’s too hard. So I think 1 and a half is enough. It's definitely possible (although many would advise against it), but you need to put in the time. Jackson Leung · December 24, 2020. For most, ASA in 3-5 years, FSA in another 2+ years. Feb 5, 2021 · Do most people taking the enrolled actuary exams take EA-1 and EA-2A on the same day? by TJB. However, it appears that the amount of material provided via eLearn is a lot compared to other individual modules. All together college took me around 8 years. I was disciplined and basically started immediately after the prior sitting, doing c. The wide gap between exam name and passing dates is a bit large to me. A few of my friends have also become data scientists. 150 (new job) 155 -> 180 (mid year raise because I threatened to leave) 220 (another big raise due to my importance and they were still worried about me leaving) 230 -> 300 (new job) My first job had bonuses around 20-30%. The broad answer is that an actuary evaluates risks for a company or client. SweepingRocks • 6 mo. “Was shown a s/s and they said if we change the input what will happen to the output”. r/ActuaryUK • 7 hr. Fall 2022 MAS-II. But I think to really see what's going on, you have to get involved. Police are “looking into” the video,. gtn_79 • 6 mo. I study fam-l in 2 months, and also PA in same period of time. In many careers, advancement may involve office politics, luck, connections, etc. So if you don't have unlimited study time, just make sure you can do SOA 1-130 even in your sleep. A few of my friends have also become data scientists. A lot of researchers do have PhDs though. The market. The third is a short interactive scenario, and the fourth is the End-of-Module Assessment (EMA). If the actuarial track isn't for you, don't succumb to sunk cost fallacy. Since that point, Ive passed 5 more exams -- FM (June 2020), IFM (November 2020), LTAM (April 2021), SRM (September 2021), STAM (last week. There can be many multipliers, and the multiplier set depends on the company. Base salary: £37450. Just pass exams. 3 Online. Did the FAC on the same topic but it’s flexible. Formula: base number x Age multiplier x. “Tell us something you’re interested in and talk to us about it for 5 minutes”. For those who’ve taken the full FAM, could you estimate the equivalent coaching actuaries EL? For the past couple of exams I’ve taken, CA suggests getting an EL above 7 to be exam ready, but the real exam usually ends up being around 5-6 difficulty in my opinion. Topics of interest could be IFoA related (particularly studying to qualify) and discussion of the roles actuaries hold within industries such as pensions, insurance, investment, governance etc. depends on the type of company and size of the company. just depends. Since the SRM and PA exams no longer require you to learn R coding, that material seems to have been shifted to ATPA. Easy- it's because of two things. A community of actuaries and people who are interested in the profession share their opinions and experiences on Reddit. 6 level). March 2023 FAM Exam (FAM, FAM-S, FAM-L) Some candidates provided feedback on the March 2023 FAM Exam. But in any event, you need to have good communication skills and knowledge about the profession to be able to impress an employer on an interview and get the job. Easy- it's because of two things. PRECEPT 1. Normally I would never ever touch the source material because Coaching Actuaries is usually amazing, but in the case of SRM, you definitely should read it for the reasons I listed above. it's so archaic man. People hate insurance and think it's the most boring place to work. I'm currently using TIA for EA-1 and I can confirm that Rick does still respond to questions. -Merit-based advancement based almost purely on exam progress rather than office politics. Time is definitely the biggest challenge in this exam because of the typing. Hella nervous. For more info go to /r/Save3rdPartyApps/ ​ https://redd. 3 Online. I earned an 800 on SAT and GRE and have a masters in pure math and taught calculus as a grad student and as a professor at a community college. 5 years after that. elder scrolls online wrothgar
There wasn't a lot of material, but it didn't connect very well. . Reddit actuary
A few of my friends have also become data scientists. Like CA's other VEEs, the material is presented well and the final is exact replicas of the homework problems with different numbers. The opportunity cost for studying for actuarial exams is way too high. Remote roles have average salary of $120k vs. Step 1. (I am a math major student and have to deal with lots of 'stupid. 8% effective pass rate (defective questions were not scored). Best of. " I work in the pricing department for a reinsurer and hence finding it difficult to come up with examples for this. If you do are, 3 months with 3-6hours/day is enough. ago Rattled ActuaryUK moderators delete disabled slur then lie about their "light touch" moderating The disabled slurs directed towards us & shamefully tolerated on ActuaryUK until we made an issue of it has finally been deleted. This is both a good and bad thing. The math dept. As a grad I started on $60k NZD with no exam progress. Actuarial directory for informational interview only not for job. From my personal experience, they are very difficult. Industry: Life. I wonder sometime if my sacrifices will be worth it in the end. The the main distinction in the work is that in Life/Pension the only insurance risk you're analyzing is when someone dies. Now I get what you meant. (Or so ive heard/read). Exam dates are right-aligned, though obviously formatting should match the rest of your resume. “Tell us something you’re interested in and talk to us about it for 5 minutes”. After that, VBA is most important for actual actuarial models, while SQL is important for pulling data. The work is boring and mind-numbing. Wont be useful on the job but is easy to learn quickly and fun for personal projects. You could try to look up what a passing rate for LTAM was and do your best to remove the MC part. It's pretty active. I thought the pass rates were relatively high for the first few sittings. I would suggest entry level applicants look elsewhere, but the pay and work-life balance are both solid for credentialed actuaries, especially career ASAs. Most FCAS at my company get at least 15% if not 20%. Another from actuary to law school, then back to the actuarial thing. o E-mail the request to customerservice@soa. $68k with 3 exams and 1 internship starting in May. You need to switch from number-crunching to analyzing a scenario and presenting a recommendation in a short space of time. On balance, GI in the UK pays substantially more than Life Insurance. For example, bankers will work with corporations to figure out what transactions to do (debt issuance, securitization, etc) and structurers and quants will run. Realize, that you don't need a 100% on this exam P to pass, its more so around a 65-75%. Actuarial Club for your state. Breaks are important for committing new information to long term memory. THErocklobstr • 5 mo. Thousands of your forebears have figured out the EMA stuff. You don't have to do tax or auditing, there are many other options. TIA was fine I guess, they have short summaries for all of the chapters (including formulas) which was helpful to review. Just pass exams. Then once the obtain the transcript, they will verify it’s authenticity and check if the grade and institution satisfy the requirement. I say that even as a credentialed actuary. 1andFutureActuary • 6 yr. I’ve seen posts before asking this but the ones I found are before new question. Subreddit for actuarial professionals, students and interested (innocent) bystanders. Many of these positions have less client interaction. If you have no experience, then number of exams hardly matters. Actuarial Hourly Salary Breakdown. 7% (£1385. The broad answer is that an actuary evaluates risks for a company or client. R is probably best to learn prior to VBA and SQL. The average salary of a actuary after 10 exams and the average salary of a CFA and nothing else doesn’t make sense. Personally, I found it easier than all the FAP assessments I did, and those were easier than an exam for me. This was literally the last CSP ever given. I don't think it is that challenging to obtain a graduate role - just need to make sure you have had. It might be easier for a 75k person to get a 40% raise to 105k, than it is for a 200k person to get to 280k. ALTAM - Seeking for advice or tips. Let me clarify that this a great career. • 1 yr. I was then able to land an entry level job once I graduated with no internships and only 1 exam. The average academic record in quantitative finance is tilted very technical and toward leading universities. on top of that, at this point you've already waited ~2 months for your PA results. My first role was not a typical actuarial role like pricing or reserving but I enjoyed the work. 17 14 Share u/ttn178 • 10 hr. It took me 4 years to pass all of the exams (no fails) and now I am a FCAS. Chief actuary was making 1. To your advice, choosing a "finance or math degree while studying in your spare time" is choosing to lose more of your 20s to exams than the equivalent actuarial degree that gives you 5-7 exams for free. The technical work may be similar at brokers and. They are the easiest exams, but are also somewhat representative of how challenging later exams are. ACT 1 : A. But in any event, you need to have good communication skills and knowledge about the profession to be able to impress an employer on an interview and get the job. These professionals often. The Institutes give very little information on these courses so I was hoping 23. Just pull up to a bar in your sports car, walk in, and "accidentally" drop copies of your W-2 on the bar next to some girls you're interested in. 2004 / 1 exam / 2 internships - $50K or $79K when adjusted for inflation. TIA was fine I guess, they have short summaries for all of the chapters (including formulas) which was helpful to review. Experience: 10 years. Actuarial questions are harder for AI since it’s not a matter of how much info it has stored, which computers are far better at, it’s about knowing how different topics interact, which it can’t know without specifically being shown how to use the formulas in a particular way. Medical and Health Services Manager Business. A Reddit user asks other actuaries about their experiences, challenges, and rewards of becoming an actuary. It is the closest you will ever get to a banking styled job in insurance. Well, actuaries lead the SOA, specifically the board, president, and president-elect. Hey October FAM-L writers. March 2023 FAM Exam (FAM, FAM-S, FAM-L) Some candidates provided feedback on the March 2023 FAM Exam. A place to discuss being or becoming an actuary in the UK. There are also actuaries working for Federal and State government, such as Social Security, State Disability Insurance, Insurance Regulators, etc. A Senate staffer is out of a job after the publication of a video appearing to show two men having sex in a Senate hearing room. This is because it will give you motivation and a direction on what to study for again. Exam FM Advice. It’s most likely that you got several more correct on top of confident guesses and passed comfortably. Nurse Practitioner Health Care. Actuary is regarded as one of the best and among the Highest paid professions. I’m wondering the same about longer term, because right now you can get the same pay rises in 1. I read SOA workstation tutorial, but it seems like it's more relevant to the exams prior to April 2023. This is both a good and bad thing. 17 14 Share u/ttn178 • 10 hr. Really go read some of them on this subreddit. working eligibility/visa status). Wont be useful on the job but is easy to learn quickly and fun for personal projects. and I'd like to see the ones who. The work is boring and mind-numbing. Actuaries analyze data to perform risk assessments for individuals and organizations. 1expected0found • 5 mo. Breaks are important for committing new information to long term memory. Breaks are important for committing new information to long term memory. It is a good building block language. This table below is limited to 25-year olds, but no longer limited to workers working 40+ hours a week. The Actuarial Outpost was developed to provide the Actuarial community with a forum to exchange ideas and support actuaries who are taking the exams, as well as those. You are designing algorithms and consistently using advanced statistics. Luckily it’s available free online - the syllabus for the exam has the link to it. The work is boring and mind-numbing. Seems like short term to mid term, cfa is better financially and the day to day job would be the same, so you’ll be gaining the same skills from your job. I was also planning to give the FAM Exam in March and will begin to study from Jan 2nd onwards. This is the area you have relevant skills for an actuary job!! Also bachelor in maths. 2) Data Analysis with Pandas and Python by Boris P (Udemy course typically $10) This teaches how Pandas/Dataframes works. C: FM. First, familiarize yourself with all of the material (as I did with the ACTEX manual) to the best of your ability. In addition to those study hours, all exam materials are paid for with no budget we have to stick to. There is a VEE dictionary on the SOA website as well. See how they feel about the exams, the work, the money, and the challenges. As long as Exam progression is there, the salary growth is there. 17 14 Share u/ttn178 • 10 hr. . of leaked bot telegram human verification, full video porn free, craigslist apartments to rent, erotic wife dare, casas de renta en fresno ca, craigslist orange county by owner, tuktok porn, staffy puppies for sale gippsland, cool math games unblocked github, sidra sage, old naked grannys, lndian lesbian porn co8rr