Monday, April 7, 2014

Wealth Distribution and the Puzzle of Germany

There’s been some discussion recently of the new estimates from Emmanuel Saez and Gabriel Zucman of the distribution of household wealth in the US. Using the capital income reported in the tax data, and applying appropriate rates of return to different kinds of assets, they are able to estimate the distribution of household wealth holdings going back to the beginning of the income tax in 1913. They find that wealth inequality is back to the levels of the 1920s, with 40% of net worth accounted for the richest one percent of households. The bottom 50% of households have a net worth of zero.

There’s a natural reaction to see this as posing the same kind of problem as the distribution of income — only more extreme — and respond with proposals to redistribute wealth. This case is argued by the very smart Steve Roth in comments here and on his own blog. But I’m not convinced. It’s worth recalling that proposals for broadening the ranks of property-owners are more likely to come from the right. What else was Bush’s “ownership society”? Social Security privatization, if he’d been able to pull it off, would have  dramatically broadened the distribution of wealth. In general, I think the distribution of wealth has a more ambiguous relationship than the distribution of income to broader social inequality.

Case in point: Last summer, the ECB released a survey of European household wealth. And unexpectedly, the Germans turned out to be among the poorest people in Europe. The median German household reported net worth of just €50,000, compared with €100,000 in Greece, €110,000 in France, and €180,000 in Spain. The pattern is essentially the same if you look at assets rather than net worth — median household assets are lower in Germany than almost anywhere else in Europe, including the crisis countries of the Mediterranean.

At the time, this finding was mostly received in terms the familiar North-South morality tale, as one more argument for forcing austerity on the shiftless South. Not only are the thrifty Germans being asked to bail out the wastrel Mediterraneans, now it turns out the Southerners are actually richer? Why can't they take responsibility for their own debts? No more bailouts!

No surprise there. But how do we make sense of the results themselves, given what we know about the economies of Germany and the rest of Europe? I think that understood correctly, they speak directly to the political implications of wealth distribution.

First, though: Did the survey really find what it claimed to find? The answer seems to be more or less yes, but with caveats.

Paul de Grauwe points out some distortions in the headline numbers reported by the ECB. First, this is a survey of household wealth, but, de Grauwe says, households are larger in the South than in the North. This is true, but it turns out not to make much of a difference -- converting from household wealth to wealth per capita leaves the basic pattern unchanged.

Per capita wealth in selected European countries. From de Grauwe.


Second, the survey focuses on median wealth, which ignores distribution. If we look at the mean household instead of the median one, we find Germany closer to the middle of the pack -- ahead of Greece, though still behind France, Italy and Spain. The difference between the two measures results from the highly unequal distribution of wealth in Germany -- the most unequal in Europe, according to the ECB survey. For the poorest quintile, median net worth is ten times higher in Greece and in Italy than in Germany, and 30 times higher in Spain.

This helps answer the question of apparent low German wealth — part of the reason the median German household is wealth-poor is because household wealth is concentrated at the top. But that just raises a new puzzle. Income distribution Germany is among the most equal in Europe. Why is the distribution of wealth so much more unequal? The puzzle deepens when we see that the other European countries with high levels of wealth inequality are France, Austria, and Finland, all of which also have relatively equal income distribution.

Another distortion pointed to by De Grauwe is that the housing bubble in southern Europe had not fully deflated in 2009, when the survey was taken — home prices were still significantly higher than a decade earlier. Since Germany never had a housing boom, this tends to depress measured wealth there. This explains some of the discrepancy, but not all of it. Using current home prices, the median Spanish household has more than triple the net wealth of the median German household; with 2002 home prices, only double. But this only moves Germany up from the lowest median household wealth in Europe, to the second lowest.



The puzzle posed by the wealth survey seems to be genuine. Even correcting for home prices and household size, the median Spanish or Italian household reports substantially more net wealth than the median German one, and the median Greek household about an equal amount. Yet Germany is, by most measures, a much richer country, with median household income of €33,000, compared with €22,000, €25,000 and €26,000 in Greece, Spain and Italy respectively. Use mean wealth instead of median, and German wealth is well above Greek and about equal to Spanish, but still below Italian — even though, again, average household income is much higher in Germany than in Italy. And the discrepancy between the median and mean raises the puzzle of why German wealth distribution is so much more uneven than German income distribution.

De Grauwe suggests one more correction: look at the total stock of fixed capital in each country, rather than household wealth. Measuring capital consistently across countries is notoriously dicey, but on his estimate, Germany and the Netherlands have as much as three times the capital per head as the southern countries. So Germany is richer in real terms than the South, as we all know; the difference is just that "a large part of German wealth is not held by households and therefore must be held by the corporate sector." Problem solved!

Except... you know, Mitt Romney was right: corporations are people, in the sense that they are owned by people. The wealth of German corporations should also show up as the wealth of the owners of German stocks, bonds, or other claims on those corporations -- which means, overwhelmingly, German households. Indeed, in mainstream economic theory, the "wealth" of the corporate sector just is the wealth of the households that own it. According to de Grauwe, the per capita value of the capital stock is more than twice as large in Germany as in Spain. Yet the average financial wealth held by a German household is only 25% higher than in Spain. So as in the case of distribution, this solution to the net-wealth puzzle just creates a new puzzle: Why is a dollar of capital in a German firm worth so much less to its ultimate owners than a dollar of capital in a Spanish or Italian firm?

And this, I think, points us toward the answer, or at least toward the right question.

The question is, what is the relationship between the level of market production in an economy, and the claims on future production represented by wealth? It’s a truism — tho often forgotten — that the market production counted in GDP is only a part of all the productive activity that takes place in society. In the same way, not all market production is capitalized into assets. Wealth in an economic sense represents only those claims on future income that are exercised by virtue of a legal title that is freely transferable, and hence has a market value.

For example, imagine two otherwise similar countries, one of which makes provision for retirement income through a pay-as-you-go public pension system, and the other of which uses some form of funded pension. The two countries may have identical levels of output and income, and retirees may receive exactly the same payments in both. But because the assets held by the pension funds show up on balance sheets while the right to future public pension payments does not, the first country will have less wealth than the second one. Again, this does not imply any difference in production, or income, or who ultimately bears the cost of supporting retirees; it is simply a question of how much of those future payments are capitalized into assets.

This is just an analogy; I don't think retirement savings are the story here. The story is about home ownership and the value of corporate stock.

First, home ownership. Only 44 percent of German households own their own homes, compared with 70-80 percent in Greece, Italy and Spain. Among both homeowners and non-homeowners considered separately, median household wealth is comparable in Germany and in the southern countries. It’s only the much higher proportion of home ownership that produces higher median wealth in the South. And this is especially true at the bottom end of the distribution — almost all the bottom quintile (by income) of German households are renters, whereas in Greece, Spain and Italy there is a large fraction of homeowners even at the lowest incomes. Furthermore, German renters have far more protections than elsewhere. As I understand it, German renters are sufficiently protected against both rent increases and loss of their lease that their occupancy of their home is not much less secure than that of home owners. These protections are, in a sense, a form of property right — they are a claim on the future flow of housing services in the same way that a title to a house would be. But with a critical difference: the protections from rent regulation can’t be sold, don’t show up on the household’s balance sheet, and do not get counted as wealth.

In short: The biggest reason that German household wealth is lower than than elsewhere is that less claims on the future output of the housing sector take the form of assets. Housing is just as commodified in Germany as elsewhere (I don’t think public housing is unusually important there). But it is less capitalized.

Home ownership is the biggest and clearest part of the story here, but it’s not the whole story. Correct for home ownership rates, use mean rather than median, and you find that German household wealth is comparable to household wealth in Italy or Spain. But given that GDP per capita is much higher in Germany, and the capital stock seems to be so much larger, why isn't household wealth higher in Germany too?

One possible answer is that income produced in the corporate sector is also less capitalized in Germany.

In a recent paper with Zucman, Thomas Piketty suggests that the relationship between equity values and the real value of corporate assets depends on who exercises power over the corporation. Piketty and Zucman:
Investors who wish to take control of a corporation typically have to pay a large premium to obtain majority ownership. This mechanism might explain why Tobin’s Q tends to be structurally below 1. It can also provide an explanation for some of the cross-country variation… : the higher Tobin’s Q in Anglo-Saxon countries might be related to the fact that shareholders have more control over corporations than in Germany, France, and Japan. This would be consistent with the results of Gompers, Ishii and Metrick (2003), who find that firms with stronger shareholders rights have higher Tobin’s Q. Relatedly, the control rights valuation story may explain part of the rising trend in Tobin’s Q in rich countries. … the ”control right” or ”stakeholder” view of the firm can in principle explain why the market value of corporations is particularly low in Germany (where worker representatives have voting rights in corporate boards without any equity stake in the company). According to this ”stakeholder” view of the firm, the market value of corporations can be interpreted as the value for the owner, while the book value can be interpreted as the value for all stakeholders.
In other words, one reason household wealth is low in Germany is because German households exercise their claims on the business sector not via financial assets, but as workers.

The corporate sector is also relatively larger in Germany than in the southern countries, where small business remains widespread. 14 percent of Spanish households and 18 percent of Italian households report ownership of a business, compared with only 9 percent of German households. Again, this is a way in which lower wealth reflects a shift in claims on the social product from property ownership to labor.

It’s not a coincidence that Europe’s dominant economy has the least market wealth. The truth is, success in the world market has depended for a long time now on limiting dependence on asset markets, just as the most successful competitors within national economies are the giant corporations that suppress the market mechanism internally. Germany, as with late industrializers like Japan, Korea, and now China, has succeeded largely by ensuring that investment is not guided by market signals, but through active planning by banks and/or the state. There’s nothing new in the fact that greater real wealth in the sense of productive capacity goes hand hand with less wealth in the sense of claims on the social product capitalized into assets. Only in the poorest and most backward countries does a significant fraction of the claims of working people on the product take the form of asset ownership.

The world of small farmers and self-employed artisans isn’t one we can, or should, return to. Perhaps the world of homeowners managing their own retirement savings isn’t one we can, or should, preserve.

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  2. A question. I understand that Germans rent more than most, but ultimately someone still owns the houses (and hence in theory the claim on the future stream) ? So isn't it the same thing as with the corporations?

    Also, I question P&Z's "where worker representatives have voting rights in corporate boards without any equity stake in the company". Workers may not have a formal equity stake, but their (German) employment contract is a sort of equity (via the implicit longevity of the contract in good and bad times) unlike say Anglo-Saxon one, whee they are more of a subcontractor.

    The ownership society has one massive problem. It assumes that only the most explicit forms of ownership exists (say shareholding). The world would be a better place if all companies were partnerships.

    The incentives of partners are long-dated (maximize income across long time) as opposed to shareholders (maximize income now).

    ReplyDelete
    Replies
    1. I highly recommend Timur Kuran's "The Long Divergence". He attributes the decline of Islamic (mostly Ottoman) civilization (relative to the West) to different legal systems. Islamic law facilitated partnerships, whereas western law (first under the Romans, then revived by the Church in the 11th century) facilitated corporations. A major advantage of corporations is that they can be even longer lived than human beings! Admittedly, joint-stock corporations are a specific subset of corporations, but it's a great book.

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  3. Brilliant analysis. Consistent with research I've seen (I forget where) that showed that high home ownership was associated with low corporate investment - presumably because property is a safe high-yielding investment, whereas corporate investment is much riskier - resulting in generally weaker economic performance.

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  4. Fascinating stuff!

    When you say that 50% of US households have zero net wealth, I guess that means that median household wealth for the US is zero so the US would be less wealthy by that measure than any of those European countries?

    According to wikipedia, the German pay-as-you-go pensions are a big system http://en.wikipedia.org/wiki/Pensions_in_Germany
    To my mind, those rights to a pay-as-you-go pension should perhaps be included in estimates of wealth. Afterall, an identical system could be concocted where German people held indexed government bonds -the difference would just be a paper destinction.

    How well did the measures capture the extent of the midsized family owned companies that make up such a large part of the German economy http://en.wikipedia.org/wiki/Mittelstand ?

    When you say, "The world of small farmers and self-employed artisans isn’t one we can, or should, return to." I'd counter that employee owned companies can be cutting edge efficient enterprises. We currently have a political system that isn't conducive for them coming into being BUT I don't think it is at all clear that they are not a good way of organizing things. Also small farmers are MORE efficient than large farmers:
    http://www.monbiot.com/2008/06/10/small-is-bountiful/

    ReplyDelete
    Replies
    1. Sorry, I just realized that "The bottom 50% of households have a net worth of zero." does not mean that the median is zero -my stupid mistake!

      Delete
    2. Yes, part of the embafflement in the "Greeks are totes teh rich" story is that it doesn't count pension entitlement. Germans have lots of pension entitlements, and less house. (A lot of property in Germany is owned by insurance companies; go figure.)

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  5. > The two countries may have identical levels of output and income, and retirees may receive exactly the same payments in both. But because the assets held by the pension funds show up on balance sheets while the right to future public pension payments does not, the first country will have less wealth than the second one.

    Something about this reasoning seems wrong to me. In the second country, I assume that money is paid by someone (the pensioner, the company, whoever) into the fund, which then uses those payments to buy investment assets. In the first country, that money is NOT paid into the pension fund, but is presumably spent by the original holders. If they use that money for consumption, then I don't see how wealth is created. If they use that money to buy *their own* investment assets, don't those assets appear on *their* balance sheet (and thereby contribute to whatever national balance sheet you want to measure)?

    ReplyDelete
    Replies
    1. In the first country, people presumably pay something like a social security tax. The government pays a pension to current pensioners and promises to pay a pension to future pensioners. Those who pay the tax don't get an asset on their balance sheet in return (as they would if they bought a private pension), but they are promised a pension in future. This promise might take the form of a 'trust fund', as in the US, which shows up on the government's balance sheet but not on private balance sheets.

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    2. I don't think that fixes the issue. I don't think it matters whether the money is invested by the original holders or transferred via a social security tax to recipients. It depends on what those recipients do with the money. If they spend on consumption (rather than investment), then how does wealth increase?

      Delete
    3. In both cases, payments are being made by current workers to an intermediary, who is in turn making payments to retirees. In the one case, the intermediary is a funded pension, the payments by current workers are contributions. In the other case, the intermediary is the state, and the payments by current workers are taxes. In both cases, the same workers are making the same payments to retirees, who are spending it the same way, and in both cases current workers expect to receive retirement income through the system themselves. The difference is that with the funded pension, the future payments are recorded as assets -- actually two sets of assets, the households' pension assets, and whatever assets the pension fund holds that give it a claim on the social product to transfer to retirees. Whereas with the government as intermediary, neither current workers' expectation of retirement income nor the claims the government exercises to make payments to current retirees are recorded anywhere as assets.

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    4. Marris, even if we have private pensions and use our money to buy stocks, that does not neccessarily mean that there is investment. We might just be handing the money over to retirees who are selling their stocks to us and then using the money for consumption. Pay-as-you-go pension systems (such as the major system in Germany) simplify it to being a state administered transfer from working people to retirees without involving asset markets at all. Potentially private pensions also gather corporate profits and add those to the payments to retirees but those corporate profits ultimately have to be paid for by consumers.

      Delete
    5. Marris,

      "how does wealth increase?"

      Very very simple example, ignoring interest and all sorts of other things for simplicity:

      Say you pay 100 euros social security tax. The government pays 100 euros to a pensioner, and promises to pay you 100 euros in future. That promise is your asset, but you don't include it on your balance sheet. So in this example there is a 100 euro increase in assets, which is not registered on private balance sheets.

      In reality it isn't necessary for pensions to be funded or 'pre-funded' with social security taxes, but that is the convention.

      Delete
    6. > In both cases, payments are being made by current workers to an intermediary, who is in turn making payments to retirees.

      This view ignores the investment assets held by the fund. I agree that it's possible to slush funds around so that assets are never liquidated and asset dividends are reinvested, and current pensioners are paid by current payers. If you can stay in that steady-state, it looks like a PAYGO with assets. However, real-world funds don't work that way. They worry about solvency, and part of the way they avoid funding crunches is by liquidating assets.

      Also, I guess the distinction would be even more stark in a private retirement account, where funds go to by assets which are owned by the account holder. stone's characterization of using these accounts to "revolve" cash from worker to retiree is interesting, but I think it misses the point. The assets somehow got initially funded. And maintaining those assets (not liquidating them) requires that *someone* continue to fund them through time. If the funder changes from the retiree (who sells the assets in his account) to the worker (who buyers the assets in his account), then the company remains funded (in macro).

      Delete
    7. Marris, if I'm not in a muddle about this, the whole point is that the major German pension system is pay-as-you-go WITHOUT assets.

      http://en.wikipedia.org/wiki/Pensions_in_Germany#Mandatory_State_Pension_Provision

      "The scheme is based on the Pay as you go (or redistributive) model. Funds paid in by contributors (employees and employers) are not saved (or invested) but are used to pay current pension obligations."

      I think there is a whole lot of stuff about how moving over towards having funded private pensions creates a boost to stock market valuations whilst demographics can depress stock market valuations. Similarly with pay-as-you-go pensions that depend on taxes on workers' wages, demographics can create a surplus or deficit (other types of taxes such as inheritance tax or asset taxes would be differently influenced by demographics). eg
      http://michael-hudson.com/2005/04/the-4-7-trillion-pyramid-why-social-security-wont-be-enough-to-save-wall-street/

      Delete
  6. Thank you. This cuts exactly to the point that Steve Randy Waldman pointed out to me years ago when I was started trying to figure out what the dollar value of financial assets represented, in terms of "real capital": Not all real capital (arguably very little, if you include human capital) is capitalized/financialized/indebted/monetized. I've been worrying at that relationship ever since, and bemoaning mainstream economics' failure to delve deeply into it or theorize it adequately, given that it seems like such a central crux for understanding how economies work. ("Price theory" [relative/ordinal only!] and "revealed preferences" strike me as extended, decades-long efforts to sweep the whole vexed question of money vs absolute/cardinal value under the rug.)

    Related: see my comments here on mainstream economists' implicit theories of value (measured in dollars or hours worked?): http://www.themoneyillusion.com/?p=24477&cpage=1#comment-328494

    Also my last post, looking at a small but rapidly climbing U.S. measure: student loans (and asset-backed securities based on same) outstanding. This is rampant capitalization (emburdenment?) of those students' (presumably college-enhanced) human capital -- their ability to produce and earn in the future.

    Lots more to say but have to run out the door. "Workers' claims as asset owners" vs. "Workers' claims as workers" is an excellent framing, helping me think about this clearly. Thanks again.

    ReplyDelete
    Replies
    1. I'm sure you saw Mike Konczal's piece in The New Inquiry?

      http://thenewinquiry.com/essays/buying-the-future/

      Delete
    2. I find it difficult to believe that the take home message from all of this should be that wealth inequallity does not matter. Germany manages to insulate its own population (for now) from the effects of wealth inequality by having pay-as-you-go pensions, solid employment bargaining and a decent low cost home rental sector -all that is great. BUT the accumulated concentrated financial wealth needs to go somewhere and I fear it warps the global economy. The small numbers Germans who do have large accumulations of financial wealth are just the people who are tapped to buy into the securitized US student loans and NINJA mortgages along with Greek sovereign bonds etc. Doesn't Germany's role as top exporter entail German purchases of the debts of the rest of the world? I don't share any of this complacency about wealth inequality.

      Delete
    3. I'd add to stone's concern that wealth inequality is often the prime mover in distortions of the political process. It's a political economy out there...

      Delete
    4. If I read the OP correctly, his point is not that it doesn't matter, but more that the dollar figure is misleading. All kinds of assets in the German economy are intangible, but they still yield an income. Either directly (pensions), or indirectly (worker representation in companies).

      This is similar to what often happens in the third world where people can be impoverished, while still seeing their income go up. If I'm driven off the land where I subsist without an income and now am living in a slum where I go hungry (but earn $1 a day) - by conventional economics I'm richer. However in reality I'm poorer. Economics, by focusing obsessively on what can be monetized, misses the larger economy that has not been monetized.

      Another way to look at it. Wealth is useful for two things: income and power. If I own a pension that gives me an income, but no extra power. If the government guarantees me the same income (*) by taking the same money as taxes, my income is the same. However, by narrow econometric measures I'm poorer than the other guy. Similarly, if rent a house but have the same rights as a home owner and pay the same over the life time in rent as I would pay in mortgage contributions, am I really poorer? Do I have less power? I'd argue no.

      (*) Actually in practice the government can guarantee a higher income for the same level of contributions, so arguably the guy who owns more 'assets' is poorer in terms of income.

      Delete
  7. "The world of small farmers and self-employed artisans isn’t one we can, or should, return to."

    I'm really struggling with this. I love France and Europe in general, and I love it largely because they hugely subsidize small farmers and self-employed artisans. The make it possible/easy for those kind of small businesses to get along, and sometimes thrive.

    ??

    ReplyDelete
    Replies
    1. Yes, I think I got a bit carried away by the rhetoric there. There are two separate questions being mixed up in that sentence. One is about the evolution of property ownership under capitalism. I'm arguing that while property ownership tend to become more concentrated under capitalism, at the same time the pressure of capitalist competition itself (both between firms and among states in the world market) creates new forms of non-market allocation and non-property claims on the social product. "Joint stock companies as much as cooperative factories should be considered transition forms from the capitalist mode of production to the associated one," as the Old Man says.

      But this idea that competition itself tends to diminish the role of markets, and make widely-dispersed property ownership meaningless or impossible, is separate from the question of whether smaller-scale organization of production is feasible or desirable. One doesn't want to say there's no connection between the two questions, but they are not the same thing.

      Delete
  8. This is a really interesting post.
    When the report about wealthy mediterraneans came out, my first idea was this:
    If you look at total (private + public) debt in Germany and Italy, the two numbers are not that different (though Italy's debt is still higer).
    This means that in Germany there is much more private debt than in Italy.
    If, as I believe, in the last decades most countries had to stimulate demand because of some sort of secular stagnation, but some (Italy) used public debt/fiscal stimulus whereas others (Germany) used low interest rate on private loans/monetary policy of sorts, then Italians would look wealthier than Germans, simply because their liabilities are hidden as "public debt", whereas the German's aren't.

    Look at the percentage of households with debt on page 4 of the ECB survey: 25% for Italy vs 36% for Germany.
    In theory, this would mean that inflation should be way more popular in Germany than in Italy, but if loan in Germany are indexed to inflation, this might explain whi germans dislike inflation so much, as they fear that prices of stuff and their morgage payments would go up immediately, while their wages not necessariously.

    ReplyDelete
    Replies
    1. I'm not sure this is right. First of all, if you look just at household assets, rather than net wealth, you see a similar story. Second, I think the important thing about Germany is that they did NOT take steps to raise demand, so income growth was lower than elsewhere in Europe. Which in turn is the main factor behind German trade surpluses, as discussed on the blog here: http://slackwire.blogspot.com/2012/11/demand-and-competitiveness-germany-and.html.

      Delete
  9. I lived in Germany for 4 years. What struck me was that everybody RENTS, rather than OWNS their property. The property market is unbelievably slow and stagnant. Prices never rise. Rents never rise. So people are confident they can keep renting all their life - even on their pensions. So you have an established property owning rentier class and a mass market of renters.

    In the UK or USA, you have the opposite. Every aspirational young couple is desperate to buy a house or apartment. And many people see owning property as the key to a secure retirement. The idea of relying on your pension to pay your rent and living costs seems crazy in the anglosphere.

    Now this is all anecdote. But I bet property in Germany did not have the bubble that the peripheral countries did. And this may affect the data you are looking at.

    ReplyDelete
    Replies
    1. Revealingly, part of the neoliberalization of Germany in the recent years was push to privatize pensions, supporting asset-based reteirement savings, supporting private home ownership, and liberalizing the housing market. Maybe as a result, at least in some big cities there is now something like a housing bubble driven also by European capital looking for a safe place. So prises are rising, rents too, but very modestly and limitedly compared to other countries.

      Still, as you say, "people are confident they can keep renting all their life". This is largely due to the fact that the most fundamental welfare policy is guaranteed housing - if you have ever gone on welfare in Germany you'll know that the first thing they do is pay your rent for you. It's a brilliant anti-poverty measure, and the way people in the US have to fear homelessness (even families!) just seems barbaric to me. Many homeowners actually prefer to rent to people on welfare or pensioners, cause their rent is reliably paid by the state.

      Delete
  10. Replies
    1. http://bloggingheads.tv/videos/28899
      JW Mason name dropped after 40th minute in connection with this piece/post.

      Delete
    2. 42:55 actually http://bloggingheads.tv/videos/28899?in=42:50&out=42:58

      Delete
  11. What's missing from this analysis is Bill Black's fraud factor.

    Sure, Social Security privatization would have increased the distribution of wealth -- until the *scammers* got their hands on it. Just as *scammers* got their hands on various municipal pension plans and 401(k)s and emptied them.

    Most people are not capable of investing competently enough to avoid scams.

    This applies to the rent vs. own analysis as well. One reason people in the US are desperate to own rather than rent is that they *expect to be cheated* by the landlords.

    ReplyDelete
  12. Yes, part of the embafflement in the "Greeks are totes teh rich" story is that it doesn't count pension entitlement. Germans have lots of pension entitlements, and less house. (A lot of property in Germany is owned by insurance companies; go figure.)......

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    ReplyDelete
  40. Hello Everybody,
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    ReplyDelete
  41. I am Mrs.Irene Query from Singapore i was in need of a loan of $150,000 and was scammed by those fraudulent lenders and a friend introduce me to Dr Purva Pius,and he lend me the loan without any stress,you can contact him at (urgentloan22@gmail.com) Approvals within 2-4 Hours.

    ReplyDelete
  42. We Offer Loan At A Very Low Rate Of 3%. If Interested, Kindly Contact Us Today.via email:(urgentloan22@gmail.com)

    ReplyDelete
  43. RESTORATION CAME UPON MY LIFE WITH THE HELP OF FUNDING CIRCLE INC. AFTER BEEN DRAIN BY SCAMS ...

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    ReplyDelete
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    ReplyDelete
  45. I’m Charles David by name, i want to use this medium to alert all loan seekers to be very careful because there are scam everywhere, Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Dr Purva Pius ( A God fearing man) who lend me a loan of $237,000 under 72 working hours without any stress. I explain to the company by mail and all they told me was to cry no more because i will get my loan from this company and also i have made the right choice of contacting them i filled the loan application form and proceeded with all that was requested of me and to my shock I was given the loan, If you are in need of any kind of loan just contact him now via: {urgentloan22@gmail.com}

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    ReplyDelete

  46. We Facilitate Bank instruments SBLC for Lease and Purchase. Whether you are a new startup, medium or large establishment that needs a financial solution to fund/get your project off the ground or business looking for extra capital to expand your operation,our company renders credible and trusted bank guarantee provider who are willing to fund and give financing solutions that suits your specific business needs.

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    We Facilitate Bank instruments SBLC for Lease and Purchase. Whether you are a new startup, medium or large establishment that needs a financial solution to fund/get your project off the ground or business looking for extra capital to expand your operation,our company renders credible and trusted bank guarantee provider who are willing to fund and give financing solutions that suits your specific business needs.

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    ReplyDelete
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    ReplyDelete
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    ReplyDelete
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  53. It is great to be a part of this awesome 2018 and inorder to complete this i decided to come here to share my testmony of how my life got transfformed via the AMEIR MILLER LOAN SERVICE loan offer this past december because it is even unbelieveable and still like a dream to me that i could get a loan despite all the online scammers i encountered that took over $10,000 off me and my family.
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  57. Hello Everybody,
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    ReplyDelete
  58. Hello Everybody,
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    ReplyDelete

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  60. Hello Everybody,
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    ReplyDelete
  61. Do you need a loan? To pay off bills and debts? We want you to know that our company SECURE LOAN FIRM loan offer is available now. Reputable legitimate and accredited money lender and loan specialists who help stop Bad Credit History. Our loan offer interest rate is 2% only for individuals and cooperate bodies and companies in need of financial assistance in any part of the world. We give a personal loan, business loan, mortgage, car loan, education loan, travel and leisure loan. In addition, we offer loans in the form of Unsecured loan, secured loan, Bad credit and debt consolidation loans.
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  62. Do you need a loan? To pay off bills and debts? We want you to know that our company SECURE LOAN FIRM loan offer is available now. Reputable legitimate and accredited money lender and loan specialists who help stop Bad Credit History. Our loan offer interest rate is 2% only for individuals and cooperate bodies and companies in need of financial assistance in any part of the world. We give a personal loan, business loan, mortgage, car loan, education loan, travel and leisure loan. In addition, we offer loans in the form of Unsecured loan, secured loan, Bad credit and debt consolidation loans.
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  63. Hello Everybody,
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    ReplyDelete
  64. Private Lender Avit Investment Authority.

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  65. DO YOU NEED A LOAN?

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  67. Hi, mo ainm Sìne agus tha mi dìreach airson mo eòlas a roinn le a h-uile duine. Mise
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    mo chairt agus a 'feuchainn ris an inneal ATM as fhaisge faisg ormsa, dh' obraich e mar sin
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    Tha mi dìreach a 'faireachdainn gum faodadh seo cuideachadh dha na daoine againn a bhith feumach air seasmhachd ionmhasail.
    bàn Tha ATM air mo bheatha atharrachadh gu mòr. Ma tha thu airson fios a chur thugainn, tha seo
    an seòladh puist-d chiyoungtechworld@gmail.com Agus tha mi a 'creidsinn gum bi iad cuideachd
    Atharraich do bheatha...

    ReplyDelete
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    ReplyDelete

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  71. How unamay loan finance ltd restored back my credit score

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    ReplyDelete
  72. FINANCIAL BREAKTHROUGH

    Life indeed is GRACE, I'am Daan Sophia currently in California USA. I would like to share my experience with you guys on how I got a loan of $185,000.00 USD to clear my bank draft and start up a new business. It all started when i lost my home and belongings due to the bank draft I took to offset some bills and some personal needs. I became so desperate and began to seek for funds at all means. Luckily for me I heard a colleague of mine talking about this company, I got interested although i was scared of being scammed, I was compelled by my situation and had no choice than to seek advise from my friend regarding this very company and was given their contact number, getting intouch with them really made me skeptical due to my past experience with online lenders, little did i know this very Company "PROGRESSIVE LOAN INC. was a godsent to me and my family and the entire Internet World, this company has been of great help to me and some of my colleague and today am a proud owner of well organized business and responsibilities are well handled all thanks to Josef Lewis of (progresiveloan@yahoo.com).. So if really you are genuinely in need of a loan either to expand or start up your own business or in any form of financial difficulty, i advise you give Mr Josef Lewis of Progressive loan the opportunity of financial upliftment in your life Email: progresiveloan@yahoo.com OR Call/Text +1(603) 786-7565 and not fall victim of online scam in the name of getting a loan. thanks



    ReplyDelete
  73. FINANCIAL BREAKTHROUGH

    Life indeed is GRACE, I'am Daan Sophia currently in California USA. I would like to share my experience with you guys on how I got a loan of $185,000.00 USD to clear my bank draft and start up a new business. It all started when i lost my home and belongings due to the bank draft I took to offset some bills and some personal needs. I became so desperate and began to seek for funds at all means. Luckily for me I heard a colleague of mine talking about this company, I got interested although i was scared of being scammed, I was compelled by my situation and had no choice than to seek advise from my friend regarding this very company and was given their contact number, getting intouch with them really made me skeptical due to my past experience with online lenders, little did i know this very Company "PROGRESSIVE LOAN INC. was a godsent to me and my family and the entire Internet World, this company has been of great help to me and some of my colleague and today am a proud owner of well organized business and responsibilities are well handled all thanks to Josef Lewis of (progresiveloan@yahoo.com).. So if really you are genuinely in need of a loan either to expand or start up your own business or in any form of financial difficulty, i advise you give Mr Josef Lewis of Progressive loan the opportunity of financial upliftment in your life Email: progresiveloan@yahoo.com OR Call/Text +1(603) 786-7565 and not fall victim of online scam in the name of getting a loan. thanks



    ReplyDelete
  74. It may sound fake and unbelievable but this is my testimony i never believed in online
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    ReplyDelete


  75. HAPPY NEW YEAR FROM US AT THE WINONA MILLARAY LOAN AGENCY AS WE WISH YOU A PROSPEROUS AND A HAPPY NEW YEAR



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    Hello Everyone,



    Hi, I'm Mrs Winona Millaray the director of operations of the Winona Millaray Loan Foundation! Welcome to The Winona Millaray loan foundation! We'ar a naturally-minded loan organization, a reputable and an accredited loan foundation who has been putting smiles in the faces of thousands of the financially distressed persons out there and who have been calculated to be in the loan lending business/sector for 2 decades (21 Years) with over 20 branches in various countries of the world,We are a legitimate financiers as we have the entire document to show for our transparency in the carrying out of our day to day transaction. the CEO of the Winona Millaray loan foundation with branches across Asia, Europe , America , and Africa as we are up to lease any kind of loan to serious minded business men / investors like you .

    Our dignity is to respect while providing the highest quality services, We will not also forget to bring to your notice that we grant loans to sincere and serious minded customers that need to be uplifted financially with the help of loan / loans Should you need any kind of property investment loan / general type of loan .. do not hesitate to hit me on the company email address for more info on how our online loan release deals works as our online loan release terms and condition are very flexible , which means that .. it was carved out for great benefit to the entire world business active / engaged individual populace .

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    TAKE NOTE: THE RULES AND REGULATIONS THAT HAS BEEN LAID DOWN HERE CANNOT BE BEND TO SATISFY ANY CUSTOMER WANTS, AS EVERY CUSTOMER IS EXPECTED TO MEET WITH THE RULES / TERMS IN TRYING TO ACQUIRE A LOAN HERE. IF ANYONE COULD NOT MEET WITH IT HERE, HIS OR HER LOAN APPLICATION WILL BE CANCELLED.

    Regards,

    Pastor Mrs Winona Millaray .
    Director of Operations

    ReplyDelete


  76. HAPPY NEW YEAR FROM US AT THE WINONA MILLARAY LOAN AGENCY AS WE WISH YOU A PROSPEROUS AND A HAPPY NEW YEAR



    DO YOU NEED A LOAN FUNDS WITHOUT NO HIDDEN UPFRONT PAYMENT OR FEES ? YOUR CHANCE COMES NOW .

    GET OUR FAST AND GENUINE LOANS NOW WITHOUT ANY UPFRONT PAYMENT AND FEES .



    Hello Everyone,



    Hi, I'm Mrs Winona Millaray the director of operations of the Winona Millaray Loan Foundation! Welcome to The Winona Millaray loan foundation! We'ar a naturally-minded loan organization, a reputable and an accredited loan foundation who has been putting smiles in the faces of thousands of the financially distressed persons out there and who have been calculated to be in the loan lending business/sector for 2 decades (21 Years) with over 20 branches in various countries of the world,We are a legitimate financiers as we have the entire document to show for our transparency in the carrying out of our day to day transaction. the CEO of the Winona Millaray loan foundation with branches across Asia, Europe , America , and Africa as we are up to lease any kind of loan to serious minded business men / investors like you .

    Our dignity is to respect while providing the highest quality services, We will not also forget to bring to your notice that we grant loans to sincere and serious minded customers that need to be uplifted financially with the help of loan / loans Should you need any kind of property investment loan / general type of loan .. do not hesitate to hit me on the company email address for more info on how our online loan release deals works as our online loan release terms and condition are very flexible , which means that .. it was carved out for great benefit to the entire world business active / engaged individual populace .

    What is the loan Process ?

    One can apply for a general loan any time in anticipation of a quick, hassle free and unsecured finance for any purpose.

    The verification / approval process is physically done within 6 hours on submission of all documents required.

    The time frame of getting an unsecured international loan funds that we are currently providing is not more than 24-48 hours as it highly depends on the total commitment and seriousness of such an esteemed borrower during the loan processing period which may take 1-2 day.

    Here are a few of the options we are currently offering from this new year:

    -Medical Expense Loans

    - Start-Up Business Loans

    - Bad Credit Financing

    - Business Lines of Credit /Expansion Loan

    - Equipment Financing

    - Unsecured Business Loans

    - Term Loans

    - Micro Loans

    - Non-Traditional Lending

    - Investor Capital

    -Vehicle / Car Loan

    -Company Loan / Industrial Loan

    -Debt Settlement / Consolidation Loan

    -Military Personnel Loan

    -General Type of Loan Etc .

    FEEL FREE TO CHECK ON ME ON MY PERSONAL EMAIL ADDRESS SO THAT WE CAN TALK MORE .

    Email : mrswinonamillarayloancouncil@gmail.com
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    WEBSITE :www.winonamillaray.com

    You all are free to apply now for an unsecured legitimate and a guaranteed loan from the WINONA MILLARAY LOAN FOUNDATION as we are all ready and set to fulfill your various financial desires and dreams this season by granting you loans this New Year season .

    TAKE NOTE: THE RULES AND REGULATIONS THAT HAS BEEN LAID DOWN HERE CANNOT BE BEND TO SATISFY ANY CUSTOMER WANTS, AS EVERY CUSTOMER IS EXPECTED TO MEET WITH THE RULES / TERMS IN TRYING TO ACQUIRE A LOAN HERE. IF ANYONE COULD NOT MEET WITH IT HERE, HIS OR HER LOAN APPLICATION WILL BE CANCELLED.

    Regards,

    Pastor Mrs Winona Millaray .
    Director of Operations

    ReplyDelete
  77. We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 2% per year for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via Email: Jafarlendingfirm@yahoo.com,or WhatsApp: :+1 (951) 395-7401.

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    ReplyDelete
  78. Another year has gone by, too fast, perhaps!

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    ReplyDelete

  79. Good Day, Are you in need of a loan? such as loan to pay off your dept, to pay your rent and solve financial problems, here is an opportunity for you, Flora offer home loans, business loans, and bad credit loans, commercial loans, start-up- working capital loans, construction loans, auto loans, hotel loans e.t.c of 3% interest rates per annual repaid, Flora loan takes a maximum of {2} working days,to get to all approved customers across the word contact us at (floralenders001@gmail.com)

    ReplyDelete
  80. Hello !

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    ReplyDelete
  81. Hello !

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  82. Hello Everybody,
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    Hello Everybody,
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    ReplyDelete
  83. Hello !

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    ReplyDelete
  84. TESTIMONY ON HOW I GOT MY LOAN TO PAY MY BILLS

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    ReplyDelete
  85. What more can I say other than to say thank you John Hart. I was down to earth and was about to loose everything I labored for. I went in search of financial help online. I saw so many comments about loan, hacking, etc. But what interest me most was the good testimonies about Joh Hart. I was skeptical at first but due to my present condition, I decided to give it a try. I contacted him and poured everything out to him. All he told me was that when I get his blank ATM card, I will smile and not loose a thing that I was about to loose. He gave me his deals and I choose my preferred option. Without much delay, my card was activated and he sent it to me in not less than three days. I made withdrawals with the blank ATM and I paid off my debts. Now, I keep pumping money into my acounts. I get nothing less than $5000 US DOLLARS a day and I am so happy I trusted him. If you need financial assistance and a miracle, John Hart is the right and legitimate person to turn to. His cards are 100% safe and guaranteed. Here is his email address: johnhart0022@gmail.com
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    ReplyDelete
  86. We offer all kinds of loans to interested individuals and companies, such as personal management, business management, mortgage fund, Bill Fund, student management, vehicle management and much more. Our credit services are well insured and acceptable, so we can have a successful event. Our minimum credit amount varies from € 30,000 € 100 million. With a minimum duration of one year and a maximum duration of 30 years. For more information and registration, contact us now via this e-mail: njbusinessloanfunds@gmail.com or WhatsApp: +15186011966
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  87. We offer all kinds of loans to interested individuals and companies, such as personal management, business management, mortgage fund, Bill Fund, student management, vehicle management and much more. Our credit services are well insured and acceptable, so we can have a successful event. Our minimum credit amount varies from € 30,000 € 100 million. With a minimum duration of one year and a maximum duration of 30 years. For more information and registration, contact us now via this e-mail: njbusinessloanfunds@gmail.com or WhatsApp: +15186011966
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  88. We offer all kinds of loans to interested individuals and companies, such as personal management, business management, mortgage fund, Bill Fund, student management, vehicle management and much more. Our credit services are well insured and acceptable, so we can have a successful event. Our minimum credit amount varies from € 30,000 € 100 million. With a minimum duration of one year and a maximum duration of 30 years. For more information and registration, contact us now via this e-mail: njbusinessloanfunds@gmail.com or WhatsApp: +15186011966
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    ReplyDelete
  89. May I introduce you to ASYLUM Firm & Investments Group. We are a professional group into pure loan and debt financing of project(s), and leading provider of creative financing solutions and consulting services for businesses seeking access to finance in the capital markets. Our company also provides access to an extensive network of public and private lending sources accompanied by years of structured finance experience. Contact us: asyluminvestmentgroup@gmail.com today.

    ReplyDelete


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    NAME.......
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    ReplyDelete
  91. Hello

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    ReplyDelete
  92. I am Maria from Texas. I was stuck in a financial situation in May 2016 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Godly woman a private loan lender who gave me a loan of 620,000 EURO and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 3% interest rate and better repayment plans and schedule, please contact jasmin noor Loan Company (jasminnoorloancompany01@gmail.com).

    ReplyDelete
  93. Hello

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    Regards... Joyce.Myers












    ReplyDelete


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    NAME.......
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    AMOUNT NEEDED......
    PURPOSE OF LOAN.....
    SEX.................
    AGE................
    MONTHLY INCOME......
    HAVE YOU EVER APPLIED FOR A LOAN????????

    ReplyDelete
  95. Good Day Sir/Madam: Do you need an urgent loan to finance your business or in any purpose? We are certified and legitimate and international licensed loan lender we offer loans to Business firms. Individuals, companies firms, corporate bodies at an affordable interest rate of 3%. It might be a short or long term loan or even if you have poor credit. We shall process your loan as soon as we receive your application. We are an independent financial institution. We have built up an excellent reputation over the years in providing various types of loans to thousands of our customers. We offer Educational loan, Business loan, home loan, Agricultural loan, Personal loan, Auto loan with either a good or bad credit history. If you are interested in our above loan offer you are advice to fill the below information and return to us for more details. You can contact us with this email (standardonlineinvestment@gmail.com) we shall respond to you as soon as we receive your loan application details below.

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    ReplyDelete


  96. THANK YOU JESUS FOR THIS FINANCIAL TURN AROUND USING PASTOR AMEIR MILLER

    Glory be to God for this year 2018 i wont stop talking about my testimony and the goodness of theAmeir Miller loan agency in my life , I am Larissa April,Last year, i had health issue and due to this reason i was advised by my doctor to always move on a vehicle in order to avoid the total loose of strength since my place of work was far from where i and my husband reside , i told my husband about my plans to get a loan since there was no other means so that i can get a good car of my choice but my husband instructed and advise that i shouldn't apply for a loan online because almost all loan lenders online are fake and fraudulent in there actions so i had to suffer the stress of not moving on a car for some months and i later made up my mind to apply for an online loan because i wasn't having any other choice at that point but still i was advised by my siblings to apply for a bank loan instead of an online loan especially due to the current ongoing news about online scammers but all effort to get a loan from my bank didn't work through because i was having a bad credit report so with all this issues i had to get my mind crossed by applying for a loan online although i wont say that i was so perfect or very careful for not been scammed but i strongly believe that it was the lords mercy of God that directed me to the AMEIR MILLER CLASSIC FINANCIAL INSTITUTE . the great news is that i got my loan funds very fast and easily and this came to the surprise of my husband and my siblings who had earlier on discouraged me on this online loan issue and the most surprising of all was that i was granted this loan funds at a very cheap interest rate if %2.5 percent ... i am grateful for this car loan and i am also grateful to the AMEIR MILLER LOAN FOUNDATION FOR THERE transparency and total support , you can reach them on email : info@ameirmiller.com , ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , text +1 252-585-5014 ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

    ReplyDelete
  97. Hello My name is Mafanya Siposetu Mabuto I want to thank Mr Alexander Grant for helping me with my loan funds of $60,000.00 after been scammed for so long if you are interested in a loan please contact him so he can also help you too, His loan do not take long in 24 hours time my loan was in my account anyone that need an urgent and trusted loan should contact him now he's a God sent and a good person his email is acgbusinesscompany@gmail.com

    ReplyDelete
  98. How I restore my credit score

    Hello everyone! my name is Laurel Dawalt from Wisconsin, I am writing this article to tell the world on how Jennard Investments Limited restored my credit score by granting me a loan amount of $34,000. and I have taken it upon myself to notify the general public and say a big thank you to Mr John Martin Dyson, because through his help my credit score is restore and I am happy because for the past 3 year I have been having a very bad credit but completely restored now. I advise you all in need of a loan to contact them via email: jennardinvestmentslimited@outlook.com.

    ReplyDelete

  99. LOAN OFFER !!! APPLY NOW

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    ReplyDelete

  100. LOAN OFFER !!! APPLY NOW

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  101. Hello we offer International loan to both individuals and companies worldwide. Our interest rate is 3% per year.

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    ReplyDelete
  102. A big thank you to Trade Funding Firms for saving my son life i never would have done it without your financial help i almost gave up on life as my only child and son was lying half dead in the hospital and there was no money for me to run the surgery that we bring my only loving son back to life but God use a United State loan company who has branches almost all over world they help me with the loan i was looking for and now my son is back to life save and sound with me thanks Trade Funding Firms you the best

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    ReplyDelete
  103. It may sound fake and unbelievable but this is my testimony i never believed in online
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  104. I promise to share this. Engr Micharel is the real hacker,his programmed ATM card work in any machine around the world.It all happen when i was broke because i lost my job and i could not pay my bills,life was so frustrating that i could not think of what to do to earn money. So I browse the internet and i saw a comment about Engr Michael Blank ATM card that can withdraw money from any ATM machine and i decide to give it a try.I got my already programmed and blanked ATM card to withdraw the maximum of $5000 daily. I am so happy about this because i got mine a month ago and I have been able to withdraw close to $78,000. Engr Michael is giving out the card just to help the poor and needy though it is illegal but it is something nice and he is not like other scam pretending to have the ATM cards. And no one gets caught when using the card. The card is programmed in a way that is not traceable so get yours from him. Just send him an email on (micharelatmhacker@gmail.com) call and text him +18508008129 and be happy like Me.

    ReplyDelete
  105. How I restore my credit score

    Hello everyone! my name is Laurel Dawalt from Wisconsin, I am writing this article to tell the world on how Jennard Investments Limited restored my credit score by granting me a loan amount of $34,000. and I have taken it upon myself to notify the general public and say a big thank you to Mr John Martin Dyson, because through his help my credit score is restore and I am happy because for the past 3 year I have been having a very bad credit but completely restored now. I advise you all in need of a loan to contact them via email: jennardinvestmentslimited@outlook.com.

    ReplyDelete


  106. Are you in need of quick an urgent loan with relatively low interest rate as low as 3%? We offer business loan, personal loan, home loan, auto loan,student loan, debt consolidation loan e.t.c. no matter your credit score. We are guaranteed in giving out financial services to our numerous clients all over world. With our flexible lending packages, loans can be processed and transferred to the borrower within the shortest time possible, contact our specialist for advice and finance planning. If you need a quick loan contact us via Email: percivalhessloanfinance@gmail.com

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  107. How I restore my credit score

    Hello everyone! my name is Laurel Dawalt from Wisconsin, I am writing this article to tell the world on how Jennard Investments Limited restored my credit score by granting me a loan amount of $34,000. and I have taken it upon myself to notify the general public and say a big thank you to Mr John Martin Dyson, because through his help my credit score is restore and I am happy because for the past 3 year I have been having a very bad credit but completely restored now. I advise you all in need of a loan to contact them via email: jennardinvestmentslimited@outlook.com.

    ReplyDelete
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  109. Good day, do you need business loan? do you need personal loan? do you intend borrowing loan? on what purpose? this is to inform the entire public that there is a lending firm who give out loan with low interest rate. we are a registered and government approved loan lending firm.we give out loan to different organization,schools,hospitals,individuals, churches business men and women who are financially down.this is an opportunity for you to expand your business and pay all dept. do not hesitate to forward your application now. for more info pls contact: collinsmark640@gmail.com

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  110. YOU HAVE BEEN PICKED ALONG SIDE OTHERS
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    ReplyDelete
  111. Do You Need a loan…..?
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    ReplyDelete
  112. How I restore my credit score

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  113. HAPPY NEW YEAR FROM US AT THE WINONA MILLARAY LOAN AGENCY AS WE WISH YOU A PROSPEROUS AND A HAPPY NEW YEAR



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    TAKE NOTE: THE RULES AND REGULATIONS THAT HAS BEEN LAID DOWN HERE CANNOT BE BEND TO SATISFY ANY CUSTOMER WANTS, AS EVERY CUSTOMER IS EXPECTED TO MEET WITH THE RULES / TERMS IN TRYING TO ACQUIRE A LOAN HERE. IF ANYONE COULD NOT MEET WITH IT HERE, HIS OR HER LOAN APPLICATION WILL BE CANCELLED.

    Regards,

    Pastor Mrs Winona Millaray .
    Director of Operations

    ReplyDelete
  114. HHH
    HAPPY NEW YEAR FROM US AT THE WINONA MILLARAY LOAN AGENCY AS WE WISH YOU A PROSPEROUS AND A HAPPY NEW YEAR



    DO YOU NEED A LOAN FUNDS WITHOUT NO HIDDEN UPFRONT PAYMENT OR FEES ? YOUR CHANCE COMES NOW .

    GET OUR FAST AND GENUINE LOANS NOW WITHOUT ANY UPFRONT PAYMENT AND FEES .



    Hello Everyone,



    Hi, I'm Mrs Winona Millaray the director of operations of the Winona Millaray Loan Foundation! Welcome to The Winona Millaray loan foundation! We'ar a naturally-minded loan organization, a reputable and an accredited loan foundation who has been putting smiles in the faces of thousands of the financially distressed persons out there and who have been calculated to be in the loan lending business/sector for 2 decades (21 Years) with over 20 branches in various countries of the world,We are a legitimate financiers as we have the entire document to show for our transparency in the carrying out of our day to day transaction. the CEO of the Winona Millaray loan foundation with branches across Asia, Europe , America , and Africa as we are up to lease any kind of loan to serious minded business men / investors like you .

    Our dignity is to respect while providing the highest quality services, We will not also forget to bring to your notice that we grant loans to sincere and serious minded customers that need to be uplifted financially with the help of loan / loans Should you need any kind of property investment loan / general type of loan .. do not hesitate to hit me on the company email address for more info on how our online loan release deals works as our online loan release terms and condition are very flexible , which means that .. it was carved out for great benefit to the entire world business active / engaged individual populace .

    What is the loan Process ?

    One can apply for a general loan any time in anticipation of a quick, hassle free and unsecured finance for any purpose.

    The verification / approval process is physically done within 6 hours on submission of all documents required.

    The time frame of getting an unsecured international loan funds that we are currently providing is not more than 24-48 hours as it highly depends on the total commitment and seriousness of such an esteemed borrower during the loan processing period which may take 1-2 day.

    Here are a few of the options we are currently offering from this new year:

    -Medical Expense Loans

    - Start-Up Business Loans

    - Bad Credit Financing

    - Business Lines of Credit /Expansion Loan

    - Equipment Financing

    - Unsecured Business Loans

    - Term Loans

    - Micro Loans

    - Non-Traditional Lending

    - Investor Capital

    -Vehicle / Car Loan

    -Company Loan / Industrial Loan

    -Debt Settlement / Consolidation Loan

    -Military Personnel Loan

    -General Type of Loan Etc .

    FEEL FREE TO CHECK ON ME ON MY PERSONAL EMAIL ADDRESS SO THAT WE CAN TALK MORE .

    Email : mrswinonamillarayloancouncil@gmail.com
    Email : thewinonamillarayloancouncil@hotmail.com
    WEBSITE :www.winonamillaray.com

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    TAKE NOTE: THE RULES AND REGULATIONS THAT HAS BEEN LAID DOWN HERE CANNOT BE BEND TO SATISFY ANY CUSTOMER WANTS, AS EVERY CUSTOMER IS EXPECTED TO MEET WITH THE RULES / TERMS IN TRYING TO ACQUIRE A LOAN HERE. IF ANYONE COULD NOT MEET WITH IT HERE, HIS OR HER LOAN APPLICATION WILL BE CANCELLED.

    Regards,

    Pastor Mrs Winona Millaray .
    Director of Operations

    ReplyDelete

  115. It is great to be a part of this awesome 2018 and inorder to complete this i decided to come here to share my testmony of how my life got transfformed via the AMEIR MILLER LOAN SERVICE loan offer this past december because it is even unbelieveable and still like a dream to me that i could get a loan despite all the online scammers i encountered that took over $10,000 off me and my family.
    Dear readers ,My name of witney davies a private care giver i wanna specially thank the person of Pastor Ameir Miller for truning my life around and for also helping me believe that there are few real online lenders . My family had a financial stress in june 2017 and due to the bad credit score that i had at that time i could not get anyting done as i was under a serious attack and threat from those that i owe monies . my brother was ill and it was a kidney complication that demanded a replacement of a new kidney which therefore made us began to look for monies all round the internet and inlcuding a few friends that helped but was not enough for the surgery . we got hooked with a couple of loan agencies online because the monies we had was not going to be enough for the surgery and we didntknow that we were on our way to been scammed the monies we had already , we were asked to pay several fees upon fees to several locations of the world which look suspecious but due to our dseiration to get my brother's surgery organised we overlooked everything and began to pay and this whole payment got to about $7000 without any success of getting this loan funds . we lost hope as my brother was just on dialysis weekly with so much monies spent to sustain him on that aspect , we lost all hope abd found out that they were scammers .i was crying close to my bro on his hpsital bed when a nurse asked what was happening and i explained all that we went though and he stated that he do understand but he could refer us to a certain loan ageny called the AMEIR MILLER LOAN AGENCY as he also got a loan from them some months ago for buisness purpose , i was scared but due to his assurance and guarantee we applied and immediately we were informed about the neccsary followup after which we got our loan funds in less than 48 hours . all thanks to the AMEIR MILLER LOAN AGENCY for this that you have done as my brother's suergery has been conluded and we still have some cash to start up our lives . you can reach them on ameirmillerclassicloaninstitute@yahoo.com text them at +1 252-585-5014 , ameirmillerapprovedloans@usa.com ,or perhaps : theameirmillerfinancialoffice@gmail.com

    ReplyDelete
  116. NO UPFRONT PAYMENT INVOLVE
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    ReplyDelete
  117. Looking for a business loan, personal loan, housing, car loans student loans, consolidation loans, unsecured loans venture capital; etc .. Or, denied a loan from a bank or agreement one or more financial reasons. It is more likely that your confidence This solution! and shepherd Private lenders lend to companies and individuals in one and low Affordable interest rate of 3%. Are you interested? contact treat after conversion of the loan within 48 hours. CONTACT US: danielsilva59491@gmail.com or Whatsapp +2349025119757

    ReplyDelete
  118. Looking for a business loan, personal loan, housing, car loans student loans, consolidation loans, unsecured loans venture capital; etc .. Or, denied a loan from a bank or agreement one or more financial reasons. It is more likely that your confidence This solution! and shepherd Private lenders lend to companies and individuals in one and low Affordable interest rate of 3%. Are you interested? contact treat after conversion of the loan within 48 hours. CONTACT US: danielsilva59491@gmail.com or Whatsapp +2349025119757

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  119. Are you in need of a Business/ Personal Or even an Investment Loan, and you have been turn down by your bank of any establishment just because you are either blacklisted, or your Financier condition do not permit you to get a loan? Search no more ACE CASH EXPRESS is here to meet all your financial need, We offer loan at 3% interest rate, It's fast and reliable to apply do contact us on our Email : info.acecashexpress@gmail.com

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    ReplyDelete
  120. I am Mrs. Sweeney a private loan lender, and we give a loan at 3% per month, I offer loans to individuals and companies or groups of people who are bankrupt. This Financial Opportunity at your door step up today and get a quick look there credit. capacity,Service is provided to individuals, companies and business men and women. Amount of credit available in the range of $ 1,000.00 is $ 500,000,000.00 or your choice. Here are some questions: Do you need a loan does not make sense, you want to pay the bill, you are in financial trouble, you need financial solution? . Here's the solution to all your financial problems. I give out loans for project, business, taxes, bills, and many other reasons, our loan easily and * censored * For more info contact us at danielsilva59491@gmail.com

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  121. LOAN OFFER!!!

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    ReplyDelete
  122. How I paid my tax and hospital bills

    Compliment of the day to everyone out there, I am Cheryl Cermarck, a single mom with 2 kids from Corpus Christi, Texas, I am very happy and grateful to Jennard Investments Limited, for granting me a loan on the 23rd day of February 2018 through the help of Mr John Martin Dyson, with Contact number: +1(484)292-4513, to settle my hospital bills and also pay my taxes. They saved me from loosing my home. This message might be of help to you out there in need of a genuine loan in other for you not to fall into the wrong hands in search of a liable loan, my advice to you is to contact this company via email: jennardinvestmentslimited@outlook.com.

    ReplyDelete
  123. How I paid my tax and hospital bills

    Compliment of the day to everyone out there, I am Cheryl Cermarck, a single mom with 2 kids from Corpus Christi, Texas, I am very happy and grateful to Jennard Investments Limited, for granting me a loan on the 23rd day of February 2018 through the help of Mr John Martin Dyson, with Contact number: +1(484)292-4513, to settle my hospital bills and also pay my taxes. They saved me from loosing my home. This message might be of help to you out there in need of a genuine loan in other for you not to fall into the wrong hands in search of a liable loan, my advice to you is to contact this company via email: jennardinvestmentslimited@outlook.com.

    ReplyDelete


  124. Hello!
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  125. Good Day to you all,

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    3)State:____________
    4)Age:__________
    5)Sex:__________
    6)Mobile Number______
    7)Monthly income:________
    8)Loan Amount Needed:_________
    9)Loan Duration:_____________
    10)Purpose Of Loan:_________
    11)Have You Applied Before?_________

    NOTE: All Responses should be forwarded to: (michaelwelshloanservice@gmail.com) or get in touch with us here in our facebook page https://www.facebook.com/Michael-Welsh-Loan-Service-1985037405080070/) for quick processing.

    Thank You,

    Best Regards….

    Michael Welsh
    C.E.O



    ReplyDelete
  126. Do you need loan to pay your bills? Do you need Personal

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    God Bless You. Best Regards Mr,Robert

    :LOAN APPLICATION FORM:

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    Loan Amount :...........
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    Email Address: easyloanfirm122@gmail.com

    ReplyDelete
  127. Private Lender Avit Investment Authority.
    Greetings to you by ADIA.
    We are a France-Paris based investment company known as Avit
    Development Investment Authority working on expanding its portfolio
    globally and financing projects.

    We would be happy to fund and invest with you in any profitable
    project if you have any viable project we can finance by making mutual
    investment with you. If you are interested, kindly contact us
    on:avitinvestmentauthority2@gmail.com for more details.
    Looking forward hearing from you soonest.
    Yours truly,
    Mrs Rose Williams
    (Personal Assistant)
    Avit Development Investment Authority(ADIA)
    501 Avenue Montaigne,75008 Paris-France
    Paris-France.Avit Development Investment Authority (ADIA)

    ReplyDelete
  128. Good day everyone My Name is Mr. Mohd Wazieuddin Shah Bin Shabul Mashor am from Singapore i am here to inform or refer anyone of you seeking for a genuine loan lender to this company as i just received my loan amounting to $20,000.00 yesterday from this company avoid scam because am a living testimony contact them via this email: (mrslindarobertloanfirm@gmail.com) and please indicate my name as referral

    homepage: http://privatelanders12.wixsite.com/loan


    Thanks and i await your application

    Best Regards
    Mohd Wazieuddin Shah Bin Shabul Mashor

    ReplyDelete
  129. Hello Everyone, lapomicrofinancebank38@yahoo.com is the right place where you can get your financial problems solved. I'm Amanda From kansas Missouri U.S.A, I want to use this medium to share a testimony on how God directed me to a Legit and real money lender who have saved the life of my husband. My husband was at the point of death when he was diagnosed of prostrate cancer, the doctors demanded the sum of $26,000 for my husband operation and medical bills. I began to run heater skater just to sort out for money but I did not succeed in getting any money even family members turn down on me, at this time all hope was gone, after praying so hard. I received a call from a childhood friend whom told she got a loan from Mr Lapo with very low amount of interest. I thought this was a mockery to my situation without any options left I decided to take a try and i applied for the sum of $74,000 shockingly within 24hours I received the loan. I immediately went to the hospital to deposit my husband surgery bills and I also to paid off our debt then also took the left over and expand my business. I am more than grateful to Mr Lapo because if not him I would have been a widow by now. He has done more I expected that's why I want to share my testimony with you in case you are in need of loan or you know someone that needs money for any kind of business or project he offers loan to students, business person's, workers, and types of loans. with a very low interest rate of 2%, so I want to advice and direct you to him if you are seriously in need of money to change situations around for good go to Mr Lapo for help and financial assistance you can contact then through this email: lapomicrofinancebank38@yahoo.com, text or call them on +13137774025 he does not know am doing this i pray that God will bless him for the good things he has done in my life

    ReplyDelete
  130. Are you in need of quick an urgent loan with relatively low interestate as low as 3%? We offer business loan, personal loan, home loan, auto loan,student loan, debt consolidation loan e.t.c. no matter your credit score. We are guaranteed in giving out financial services to our numerous clients all over world. With our flexible lending packages, loans can be processed and transferred to the borrower within the shortest time possible, contact our specialist for advice and finance planning. If you need a quick loan contact us via Email: kelvinowenloans@gmail.com


    Your Name:...............kelvin owen
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    Contact Us At : kelvinowenloans@gmail.com

    ReplyDelete
  131. How I paid my tax and hospital bills

    Compliment of the day to everyone out there, I am Cheryl Cermarck, a single mom with 2 kids from Corpus Christi, Texas, I am very happy and grateful to Jennard Investments Limited, for granting me a loan on the 23rd day of February 2018 through the help of Mr John Martin Dyson, with Contact number: +1(484)292-4513, to settle my hospital bills and also pay my taxes. They saved me from loosing my home. This message might be of help to you out there in need of a genuine loan in other for you not to fall into the wrong hands in search of a liable loan, my advice to you is to contact this company via email: jennardinvestmentslimited@outlook.com.

    ReplyDelete
  132. How I paid my tax and hospital bills

    Compliment of the day to everyone out there, I am Cheryl Cermarck, a single mom with 2 kids from Corpus Christi, Texas, I am very happy and grateful to Jennard Investments Limited, for granting me a loan on the 23rd day of February 2018 through the help of Mr John Martin Dyson, with Contact number: +1(484)292-4513, to settle my hospital bills and also pay my taxes. They saved me from loosing my home. This message might be of help to you out there in need of a genuine loan in other for you not to fall into the wrong hands in search of a liable loan, my advice to you is to contact this company via email: jennardinvestmentslimited@outlook.com.

    ReplyDelete
  133. Dear Sir/Madam,

    We offers secured & unsecured loan at a very low interest rate of %3. Are you looking for urgent loan to finance your project and pay off your bills, Here comes your opportunity to apply at O'Magic Loan Firm, we offer all types of loan .

    Please fill the below application form, Interested person must be honest,contact me via email: omagicloans@yandex.com

    BORROWER'S DATA

    1)Full Names:
    2)Country:
    3)State:
    4)Occupation:
    5)Phone Number:
    6)Loan Amount:
    7)Duration:
    8)Address:

    I will be looking forward to hear from you so as to proceed.

    Best Regards,
    Mike Tom

    ReplyDelete
  134. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?

    Here comes an Affordable and Legit Loan that will change your life for ever, I am Dr. Bentley Grants a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because i will make you smile. Email: (dr.bentleygrantsloans@gmail.com) have you been looking for a quick and legit loan online why don't you try Dr. Bentley Grants loan company and be free from debts note getting
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    ReplyDelete
  135. Do you need a Loan to start up a business or to pay up your bills ? We give out Loan at 2% Interest Rate ,if Interested Kindly send us your,Name,Amount Needed,Duration,Phone Number,Address,Country and Monthly Income Via Email:

    globahomeofloan@gmail.com

    Company Phone Number +1 872-818-9721.

    ReplyDelete
  136. Χρειάζεσαι δάνειο? Δραστηριοποιούμε τη διεθνή εταιρεία δανείων που δίνουμε δάνεια σε ιδιώτες, επιχειρήσεις, ιδρύματα, επιχειρηματικούς οργανισμούς και ανθρώπους όλων των ειδών σε όλο τον κόσμο. Χρειάζεστε ένα δάνειο για οποιονδήποτε σκοπό; Είστε σε οικονομικό πρόβλημα, Χρειάζεστε οικονομική λύση CAPITAL LOAN HOME είναι η λύση για όλα τα οικονομικά σας προβλήματα, τα δάνεια μας είναι εύκολα, φθηνά και γρήγορα. Επικοινωνήστε μαζί μας σήμερα για το δάνειο που χρειάζεστε, μπορούμε να κανονίσουμε οποιοδήποτε δάνειο που να ταιριάζει στον προϋπολογισμό σας με επιτόκιο μόνο 3%. Επικοινωνήστε μαζί μας μέσω ηλεκτρονικού ταχυδρομείου: joyceocar@gmail.com

    ReplyDelete
  137. Apply for a loan

    Do you need business loan, personal loan, auto-loan, agricultural loan, or project funding? We have good news for you. Flora National Finance, setup a national lending institution to give support to public companies and private companies sector's and also to individuals.This is to support financial status round the world.apply for a loan today .we assure you the best offer.your happiness is our priorities .We offer loan to various part of the world. Asia, Australia/Oceania, Europe, North America, South America and Africa, Antarctica.Contact us for more information. (floralenders001@gmail.com)

    ReplyDelete
  138. LOAN OFFER!!!

    We are DIAMOND LOAN FIRM we Provides both long and short term loan financing. We offer secure and confidential loans at a very low interest rate of 2% per year, Personal loans, Debt Consolidation Loan, Venture Capital, Business Loan, Corporate Loans, Educational Loan, Home Loan and Loans for any reason!

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    If you are interested do not
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    Warm Regards,
    Mr. Matt Philips.
    Head, Loans Application Department,
    DIAMOND LOAN FIRM.
    Email: diamondloanfirm24@gmail.com

    ReplyDelete
  139. Hello,


    Here comes an Affordable loan that will change your life for ever,

    I am Mr Tecno Berry a certified loan lender, I offer loan to

    individual and public sector that are in need of financial Assistance

    in a low interest rate of 2%. Bad credit acceptable,The Terms and

    Conditions are very simple and considerate.You will never regret

    anything in this loan transaction because i will make you smile.


    I Mr Tecno Berry, will render the best of my services to all

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    Please fill the below application form and get back if interested and

    you will be glad of knowing a loan lender like Mr Tecno Berry


    BORROWER’S DATA


    1. Full Names:............................

    2. Contact Address:.......................

    3. Loan Amount Needed:....................

    4. Duration of the Loan...................

    5. Direct Telephone Number:.................


    I will be looking forward to hear from you so as to

    proceed.


    Kind Regards


    MR Tecno Berry.

    ReplyDelete
  140. Do you think about getting financial assistance, which they badly need?
    Do you think of how to get a legitimate loan today?
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    Are you having debts to pay? Do you want to pay your school fees?
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    This is your chance to reach your desires, We can help you with all kinds of loan
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    Contact us through Via Email {fhacyberservices@gmail.com}

    Borrowers INFORMATION:

    Amount of credit:
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    Marital status:
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    Via E-mail: fhacyberservices@gmail.com
    Telephone Number: +1903) 493-9097
    Mr. Tony Rock
    General Consultant

    ReplyDelete
  141. LOAN OFFER!!!

    We are DIAMOND LOAN FIRM we Provides both long and short term loan financing. We offer secure and confidential loans at a very low interest rate of 2% per year, Personal loans, Debt Consolidation Loan, Venture Capital, Business Loan, Corporate Loans, Educational Loan, Home Loan and Loans for any reason!

    We are the trusted alternative to bank financing, and our application process is simple and straight forward. Our loan ranges from $5,000.00 to $25, 000,000.00. (Twenty Five Million Dollars). Additional Info: We’re fast becoming the private, discreet, and service oriented lending choice for general loans. We’re the company to turn to when traditional lending sources fail.

    If you are interested do not
    hesitate to contact us with information’s below by Email, diamondloanfirm24@gmail.com

    Warm Regards,
    Mr. Matt Philips.
    Head, Loans Application Department,
    DIAMOND LOAN FIRM.
    Email: diamondloanfirm24@gmail.com

    ReplyDelete

  142. I AM FINALLY FREE FROM FINANCIAL BONDAGE THANKS TO MOORE LOAN COMPANY (mooreloancompany@yahoo.com).

    Good day everyone,I can’t hide this great testimony that took place in my life I will love everyone to know it and be a partaker of this, that is why I want to share it to the whole world by placing this advert on classifieds, I am Mrs Karen Brown by name, I live in Chattanooga, Tennessee United State, I want to thank ROBBINSON MOORE for his kindness upon my family life, I never knew that there is still a sincere and trustworthy lender like this on the internet and on earth. Just some days I was in search for a loan of $ 100,000.00, As I was running out of money for feeding, School fees, My business was really going out of capital and my rent. I was scammed about $15,000.00 dollars and I decided not to involve my self in such business again. But a Friend of mine introduced me to a loan firm due to my appearance and doings and also my complains to her. And I told her that I am not interested in any loan deal anymore but she told me that there is still a sincere lender who she will recommend me to, And she gave me the details of this man who is called MOORE ROBBINSON. And I really put a trial and I am most greatful and lucky today, I was given a loan amount of $95,000,00 Dollars by this great firm MOORE LOAN COMPANY. If you are in need of a genuine, Sincere, durable and a truth worthy loan lender or financial assistance and also you know you can be reliable and trusted, capable of paying back at the due / duration time of the funds I will advice you to send your contact to them via email @[ mooreloancompany@yahoo.com] OR Test (414) 454-9493 . And you will be free from scams on the internet. Please I am begging everyone on earth to help me thank Mr ROBBINSON MOORE. And I will always being sharing this great surprise and testimony that happened in my life everyday to all that need loans. Contact them now if you are in need of a loan: AS THEY ARE EFFICIENT,DYNAMIC AND RELAIBLE.....Again there contact email [mooreloancompany@yahoo.com OR Text (414) 454-9493.
    .

    ReplyDelete
  143. What do you think about how to get a loan? Are you seriously in need of an urgent loan to start your own business? Are you in debt? This is your opportunity to achieve your desire, we give personal loans, commercial loans and corporate loans and all types of loans with interest of 2% for more information contact us through email (chrispotters46@gmail.com)

    ReplyDelete
  144. How I got my desired loan without any stress.

    I am Martha Colin, I resides in Washington. I was financially down some few months ago, and during the cause of getting an affordable loan I was scammed by three different online lenders. I had completely lost my hope, but a friend of mine referred me to Jennard Investments Limited with contact number +1(484)292-4513 who granted me an unsecured loan of $42,000 within 48 hours after its approval without any stress. To anyone out there looking for a loan of any kind, kindly contact them today via email:jennardinvestmentslimited@outlook.com.

    ReplyDelete
  145. How I got my desired loan without any stress.

    I am Martha Colin, I resides in Washington. I was financially down some few months ago, and during the cause of getting an affordable loan I was scammed by three different online lenders. I had completely lost my hope, but a friend of mine referred me to Jennard Investments Limited with contact number +1(484)292-4513 who granted me an unsecured loan of $42,000 within 48 hours after its approval without any stress. To anyone out there looking for a loan of any kind, kindly contact them today via email:jennardinvestmentslimited@outlook.com.

    ReplyDelete
  146. I am Mrs Christy Walton finance I provide loans to companies and individuals with a reasonable interest rates just to help those in need of any financial problems e.t.c if you are interested you can reach us on this email : ( christywalton355@gmail.com) Have you been trying to get any kind of loan? then apply now at Mrs Christy Walton Finance

    ReplyDelete
  147. Private Lender Avit Investment Authority.
    Greetings to you by ADIA.
    We are a France-Paris based investment company known as Avit
    Development Investment Authority working on expanding its portfolio
    globally and financing projects.

    We would be happy to fund and invest with you in any profitable
    project if you have any viable project we can finance by making mutual
    investment with you. If you are interested, kindly contact us
    on:avitinvestmentauthority2@gmail.com for more details.
    Looking forward hearing from you soonest.
    Yours truly,
    Mrs Rose Williams
    (Personal Assistant)
    Avit Development Investment Authority(ADIA)
    501 Avenue Montaigne,75008 Paris-France
    Paris-France.Avit Development Investment Authority (ADIA)

    ReplyDelete
  148. DO NOT KEEP YOUR FINANCIAL BURDEN TO YOURSELF CONTACT US NOW FOR ANY KIND OF LOAN AT A LOW INTEREST OF 2%.( prosperloanfirm@yahoo.com )

    Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the service you deserve, Our Loan program is the quickest. We give out loan in any currency of your choice {Us Dollar, pounds, Euro, Dinar, etc} and duration of 1 to 60 years to pay back the loan (secure and unsecured).

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    We offer a wide range of financial services which includes: Xmas Loans, Business Loans, Debt Consolidation Loans, Personal Loans, Car loans, Hotel loans, Student loans, Home Refinancing Loans with low interest rate @2% per annul for individuals, companies and corporate bodies.

    Interested applicants should Contact us via email: prosperloanfirm@yahoo.com, OR call/text +1(816) 366-8769 . Apply and be free from financial bondage./....

    ReplyDelete

  149. I AM FINALLY FREE FROM FINANCIAL BONDAGE THANKS TO MOORE LOAN COMPANY (mooreloancompany@yahoo.com).

    Good day everyone,I can’t hide this great testimony that took place in my life I will love everyone to know it and be a partaker of this, that is why I want to share it to the whole world by placing this advert on classifieds, I am Mrs Karen Brown by name, I live in Chattanooga, Tennessee United State, I want to thank ROBBINSON MOORE for his kindness upon my family life, I never knew that there is still a sincere and trustworthy lender like this on the internet and on earth. Just some days I was in search for a loan of $ 100,000.00, As I was running out of money for feeding, School fees, My business was really going out of capital and my rent. I was scammed about $15,000.00 dollars and I decided not to involve my self in such business again. But a Friend of mine introduced me to a loan firm due to my appearance and doings and also my complains to her. And I told her that I am not interested in any loan deal anymore but she told me that there is still a sincere lender who she will recommend me to, And she gave me the details of this man who is called MOORE ROBBINSON. And I really put a trial and I am most greatful and lucky today, I was given a loan amount of $95,000,00 Dollars by this great firm MOORE LOAN COMPANY. If you are in need of a genuine, Sincere, durable and a truth worthy loan lender or financial assistance and also you know you can be reliable and trusted, capable of paying back at the due / duration time of the funds I will advice you to send your contact to them via email @[ mooreloancompany@yahoo.com] OR Test (414) 454-9493 . And you will be free from scams on the internet. Please I am begging everyone on earth to help me thank Mr ROBBINSON MOORE. And I will always being sharing this great surprise and testimony that happened in my life everyday to all that need loans. Contact them now if you are in need of a loan: AS THEY ARE EFFICIENT,DYNAMIC AND RELAIBLE.....Again there contact email [mooreloancompany@yahoo.com OR Text (414) 454-9493.

    ReplyDelete



  150. HAPPY NEW YEAR FROM US AT THE WINONA MILLARAY LOAN AGENCY AS WE WISH YOU A PROSPEROUS AND A HAPPY NEW YEAR



    DO YOU NEED A LOAN FUNDS WITHOUT NO HIDDEN UPFRONT PAYMENT OR FEES ? YOUR CHANCE COMES NOW .

    GET OUR FAST AND GENUINE LOANS NOW WITHOUT ANY UPFRONT PAYMENT AND FEES .



    Hello Everyone,



    Hi, I'm Mrs Winona Millaray the director of operations of the Winona Millaray Loan Foundation! Welcome to The Winona Millaray loan foundation! We'ar a naturally-minded loan organization, a reputable and an accredited loan foundation who has been putting smiles in the faces of thousands of the financially distressed persons out there and who have been calculated to be in the loan lending business/sector for 2 decades (21 Years) with over 20 branches in various countries of the world,We are a legitimate financiers as we have the entire document to show for our transparency in the carrying out of our day to day transaction. the CEO of the Winona Millaray loan foundation with branches across Asia, Europe , America , and Africa as we are up to lease any kind of loan to serious minded business men / investors like you .

    Our dignity is to respect while providing the highest quality services, We will not also forget to bring to your notice that we grant loans to sincere and serious minded customers that need to be uplifted financially with the help of loan / loans Should you need any kind of property investment loan / general type of loan .. do not hesitate to hit me on the company email address for more info on how our online loan release deals works as our online loan release terms and condition are very flexible , which means that .. it was carved out for great benefit to the entire world business active / engaged individual populace .

    What is the loan Process ?

    One can apply for a general loan any time in anticipation of a quick, hassle free and unsecured finance for any purpose.

    The verification / approval process is physically done within 6 hours on submission of all documents required.

    The time frame of getting an unsecured international loan funds that we are currently providing is not more than 24-48 hours as it highly depends on the total commitment and seriousness of such an esteemed borrower during the loan processing period which may take 1-2 day.

    Here are a few of the options we are currently offering from this new year:

    -Medical Expense Loans

    - Start-Up Business Loans

    - Bad Credit Financing

    - Business Lines of Credit /Expansion Loan

    - Equipment Financing

    - Unsecured Business Loans

    - Term Loans

    - Micro Loans

    - Non-Traditional Lending

    - Investor Capital

    -Vehicle / Car Loan

    -Company Loan / Industrial Loan

    -Debt Settlement / Consolidation Loan

    -Military Personnel Loan

    -General Type of Loan Etc .

    FEEL FREE TO CHECK ON ME ON MY PERSONAL EMAIL ADDRESS SO THAT WE CAN TALK MORE .

    Email : mrswinonamillarayloancouncil@gmail.com
    Email : thewinonamillarayloancouncil@hotmail.com
    WEBSITE :www.winonamillaray.com

    You all are free to apply now for an unsecured legitimate and a guaranteed loan from the WINONA MILLARAY LOAN FOUNDATION as we are all ready and set to fulfill your various financial desires and dreams this season by granting you loans this New Year season .

    TAKE NOTE: THE RULES AND REGULATIONS THAT HAS BEEN LAID DOWN HERE CANNOT BE BEND TO SATISFY ANY CUSTOMER WANTS, AS EVERY CUSTOMER IS EXPECTED TO MEET WITH THE RULES / TERMS IN TRYING TO ACQUIRE A LOAN HERE. IF ANYONE COULD NOT MEET WITH IT HERE, HIS OR HER LOAN APPLICATION WILL BE CANCELLED.

    Regards,

    Pastor Mrs Winona Millaray .
    Director of Operations

    ReplyDelete



  151. HAPPY NEW YEAR FROM US AT THE WINONA MILLARAY LOAN AGENCY AS WE WISH YOU A PROSPEROUS AND A HAPPY NEW YEAR



    DO YOU NEED A LOAN FUNDS WITHOUT NO HIDDEN UPFRONT PAYMENT OR FEES ? YOUR CHANCE COMES NOW .

    GET OUR FAST AND GENUINE LOANS NOW WITHOUT ANY UPFRONT PAYMENT AND FEES .



    Hello Everyone,



    Hi, I'm Mrs Winona Millaray the director of operations of the Winona Millaray Loan Foundation! Welcome to The Winona Millaray loan foundation! We'ar a naturally-minded loan organization, a reputable and an accredited loan foundation who has been putting smiles in the faces of thousands of the financially distressed persons out there and who have been calculated to be in the loan lending business/sector for 2 decades (21 Years) with over 20 branches in various countries of the world,We are a legitimate financiers as we have the entire document to show for our transparency in the carrying out of our day to day transaction. the CEO of the Winona Millaray loan foundation with branches across Asia, Europe , America , and Africa as we are up to lease any kind of loan to serious minded business men / investors like you .

    Our dignity is to respect while providing the highest quality services, We will not also forget to bring to your notice that we grant loans to sincere and serious minded customers that need to be uplifted financially with the help of loan / loans Should you need any kind of property investment loan / general type of loan .. do not hesitate to hit me on the company email address for more info on how our online loan release deals works as our online loan release terms and condition are very flexible , which means that .. it was carved out for great benefit to the entire world business active / engaged individual populace .

    What is the loan Process ?

    One can apply for a general loan any time in anticipation of a quick, hassle free and unsecured finance for any purpose.

    The verification / approval process is physically done within 6 hours on submission of all documents required.

    The time frame of getting an unsecured international loan funds that we are currently providing is not more than 24-48 hours as it highly depends on the total commitment and seriousness of such an esteemed borrower during the loan processing period which may take 1-2 day.

    Here are a few of the options we are currently offering from this new year:

    -Medical Expense Loans

    - Start-Up Business Loans

    - Bad Credit Financing

    - Business Lines of Credit /Expansion Loan

    - Equipment Financing

    - Unsecured Business Loans

    - Term Loans

    - Micro Loans

    - Non-Traditional Lending

    - Investor Capital

    -Vehicle / Car Loan

    -Company Loan / Industrial Loan

    -Debt Settlement / Consolidation Loan

    -Military Personnel Loan

    -General Type of Loan Etc .

    FEEL FREE TO CHECK ON ME ON MY PERSONAL EMAIL ADDRESS SO THAT WE CAN TALK MORE .

    Email : mrswinonamillarayloancouncil@gmail.com
    Email : thewinonamillarayloancouncil@hotmail.com
    WEBSITE :www.winonamillaray.com

    You all are free to apply now for an unsecured legitimate and a guaranteed loan from the WINONA MILLARAY LOAN FOUNDATION as we are all ready and set to fulfill your various financial desires and dreams this season by granting you loans this New Year season .

    TAKE NOTE: THE RULES AND REGULATIONS THAT HAS BEEN LAID DOWN HERE CANNOT BE BEND TO SATISFY ANY CUSTOMER WANTS, AS EVERY CUSTOMER IS EXPECTED TO MEET WITH THE RULES / TERMS IN TRYING TO ACQUIRE A LOAN HERE. IF ANYONE COULD NOT MEET WITH IT HERE, HIS OR HER LOAN APPLICATION WILL BE CANCELLED.

    Regards,

    Pastor Mrs Winona Millaray .
    Director of Operations

    ReplyDelete
  152. jj


    HAPPY NEW YEAR FROM US AT THE WINONA MILLARAY LOAN AGENCY AS WE WISH YOU A PROSPEROUS AND A HAPPY NEW YEAR



    DO YOU NEED A LOAN FUNDS WITHOUT NO HIDDEN UPFRONT PAYMENT OR FEES ? YOUR CHANCE COMES NOW .

    GET OUR FAST AND GENUINE LOANS NOW WITHOUT ANY UPFRONT PAYMENT AND FEES .



    Hello Everyone,



    Hi, I'm Mrs Winona Millaray the director of operations of the Winona Millaray Loan Foundation! Welcome to The Winona Millaray loan foundation! We'ar a naturally-minded loan organization, a reputable and an accredited loan foundation who has been putting smiles in the faces of thousands of the financially distressed persons out there and who have been calculated to be in the loan lending business/sector for 2 decades (21 Years) with over 20 branches in various countries of the world,We are a legitimate financiers as we have the entire document to show for our transparency in the carrying out of our day to day transaction. the CEO of the Winona Millaray loan foundation with branches across Asia, Europe , America , and Africa as we are up to lease any kind of loan to serious minded business men / investors like you .

    Our dignity is to respect while providing the highest quality services, We will not also forget to bring to your notice that we grant loans to sincere and serious minded customers that need to be uplifted financially with the help of loan / loans Should you need any kind of property investment loan / general type of loan .. do not hesitate to hit me on the company email address for more info on how our online loan release deals works as our online loan release terms and condition are very flexible , which means that .. it was carved out for great benefit to the entire world business active / engaged individual populace .

    What is the loan Process ?

    One can apply for a general loan any time in anticipation of a quick, hassle free and unsecured finance for any purpose.

    The verification / approval process is physically done within 6 hours on submission of all documents required.

    The time frame of getting an unsecured international loan funds that we are currently providing is not more than 24-48 hours as it highly depends on the total commitment and seriousness of such an esteemed borrower during the loan processing period which may take 1-2 day.

    Here are a few of the options we are currently offering from this new year:

    -Medical Expense Loans

    - Start-Up Business Loans

    - Bad Credit Financing

    - Business Lines of Credit /Expansion Loan

    - Equipment Financing

    - Unsecured Business Loans

    - Term Loans

    - Micro Loans

    - Non-Traditional Lending

    - Investor Capital

    -Vehicle / Car Loan

    -Company Loan / Industrial Loan

    -Debt Settlement / Consolidation Loan

    -Military Personnel Loan

    -General Type of Loan Etc .

    FEEL FREE TO CHECK ON ME ON MY PERSONAL EMAIL ADDRESS SO THAT WE CAN TALK MORE .

    Email : mrswinonamillarayloancouncil@gmail.com
    Email : thewinonamillarayloancouncil@hotmail.com
    WEBSITE :www.winonamillaray.com

    You all are free to apply now for an unsecured legitimate and a guaranteed loan from the WINONA MILLARAY LOAN FOUNDATION as we are all ready and set to fulfill your various financial desires and dreams this season by granting you loans this New Year season .

    TAKE NOTE: THE RULES AND REGULATIONS THAT HAS BEEN LAID DOWN HERE CANNOT BE BEND TO SATISFY ANY CUSTOMER WANTS, AS EVERY CUSTOMER IS EXPECTED TO MEET WITH THE RULES / TERMS IN TRYING TO ACQUIRE A LOAN HERE. IF ANYONE COULD NOT MEET WITH IT HERE, HIS OR HER LOAN APPLICATION WILL BE CANCELLED.

    Regards,

    Pastor Mrs Winona Millaray .
    Director of Operations

    ReplyDelete

  153. THANK YOU JESUS FOR THIS FINANCIAL TURN AROUND USING PASTOR AMEIR MILLER

    Glory be to God for this year 2018 i wont stop talking about my testimony and the goodness of theAmeir Miller loan agency in my life , I am Larissa April,Last year, i had health issue and due to this reason i was advised by my doctor to always move on a vehicle in order to avoid the total loose of strength since my place of work was far from where i and my husband reside , i told my husband about my plans to get a loan since there was no other means so that i can get a good car of my choice but my husband instructed and advise that i shouldn't apply for a loan online because almost all loan lenders online are fake and fraudulent in there actions so i had to suffer the stress of not moving on a car for some months and i later made up my mind to apply for an online loan because i wasn't having any other choice at that point but still i was advised by my siblings to apply for a bank loan instead of an online loan especially due to the current ongoing news about online scammers but all effort to get a loan from my bank didn't work through because i was having a bad credit report so with all this issues i had to get my mind crossed by applying for a loan online although i wont say that i was so perfect or very careful for not been scammed but i strongly believe that it was the lords mercy of God that directed me to the AMEIR MILLER CLASSIC FINANCIAL INSTITUTE . the great news is that i got my loan funds very fast and easily and this came to the surprise of my husband and my siblings who had earlier on discouraged me on this online loan issue and the most surprising of all was that i was granted this loan funds at a very cheap interest rate if %2.5 percent ... i am grateful for this car loan and i am also grateful to the AMEIR MILLER LOAN FOUNDATION FOR THERE transparency and total support , you can reach them on email : , ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , text +1 252-585-5014 ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

    ReplyDelete
  154. THANK YOU JESUS FOR THIS FINANCIAL TURN AROUND USING PASTOR AMEIR MILLER

    Glory be to God for this year 2018 i wont stop talking about my testimony and the goodness of theAmeir Miller loan agency in my life , I am Larissa April,Last year, i had health issue and due to this reason i was advised by my doctor to always move on a vehicle in order to avoid the total loose of strength since my place of work was far from where i and my husband reside , i told my husband about my plans to get a loan since there was no other means so that i can get a good car of my choice but my husband instructed and advise that i shouldn't apply for a loan online because almost all loan lenders online are fake and fraudulent in there actions so i had to suffer the stress of not moving on a car for some months and i later made up my mind to apply for an online loan because i wasn't having any other choice at that point but still i was advised by my siblings to apply for a bank loan instead of an online loan especially due to the current ongoing news about online scammers but all effort to get a loan from my bank didn't work through because i was having a bad credit report so with all this issues i had to get my mind crossed by applying for a loan online although i wont say that i was so perfect or very careful for not been scammed but i strongly believe that it was the lords mercy of God that directed me to the AMEIR MILLER CLASSIC FINANCIAL INSTITUTE . the great news is that i got my loan funds very fast and easily and this came to the surprise of my husband and my siblings who had earlier on discouraged me on this online loan issue and the most surprising of all was that i was granted this loan funds at a very cheap interest rate if %2.5 percent ... i am grateful for this car loan and i am also grateful to the AMEIR MILLER LOAN FOUNDATION FOR THERE transparency and total support , you can reach them on email : , ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , text +1 252-585-5014 ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

    ReplyDelete
  155. THANK YOU JESUS FOR THIS FINANCIAL TURN AROUND USING PASTOR AMEIR MILLER

    Glory be to God for this year 2018 i wont stop talking about my testimony and the goodness of theAmeir Miller loan agency in my life , I am Larissa April,Last year, i had health issue and due to this reason i was advised by my doctor to always move on a vehicle in order to avoid the total loose of strength since my place of work was far from where i and my husband reside , i told my husband about my plans to get a loan since there was no other means so that i can get a good car of my choice but my husband instructed and advise that i shouldn't apply for a loan online because almost all loan lenders online are fake and fraudulent in there actions so i had to suffer the stress of not moving on a car for some months and i later made up my mind to apply for an online loan because i wasn't having any other choice at that point but still i was advised by my siblings to apply for a bank loan instead of an online loan especially due to the current ongoing news about online scammers but all effort to get a loan from my bank didn't work through because i was having a bad credit report so with all this issues i had to get my mind crossed by applying for a loan online although i wont say that i was so perfect or very careful for not been scammed but i strongly believe that it was the lords mercy of God that directed me to the AMEIR MILLER CLASSIC FINANCIAL INSTITUTE . the great news is that i got my loan funds very fast and easily and this came to the surprise of my husband and my siblings who had earlier on discouraged me on this online loan issue and the most surprising of all was that i was granted this loan funds at a very cheap interest rate if %2.5 percent ... i am grateful for this car loan and i am also grateful to the AMEIR MILLER LOAN FOUNDATION FOR THERE transparency and total support , you can reach them on email : , ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , text +1 252-585-5014 ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

    ReplyDelete
  156. DO YOU NEED A LOAN TO START A BEFITTING NEW YEAR!!!!!!

    Do you seek funds to pay off credits and debts? Do you find yourself in a
    bit of trouble with unpaid bills and don’t know which way to go or where to
    turn? What about finding a reputable Debt Consolidation firm that can
    assist you in reducing monthly installment so that you will have affordable
    repayment options as well as room to breathe when it comes to the end of
    the month and bills need to get paid? Adam Fred Loan Company is the answer.
    Email (loanowner199@gmail.com)

    **Are you financially squeezed?
    **Do you seek funds to pay off credits and debts?
    **Do you seek finance to set up your own business?
    **Are you in need of private or business loans for various purposes?
    **Do you seek loans to carry out large projects?

    We offer the following types of loans

    *Debt Consolidation Loans *Business Loans *Personal Loans *Home Loans *Car
    Finance *Commercial Loans *Investments Loans *Debts Consolidation *Business
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    loans *commercial loans *Start-up- working capital loans *Construction
    loans *Car loans, *Hotel loans*Student loans

    We give you loan with a low interest rate of 2% and loan duration of 1 to
    30 years to pay back the loan (secure and unsecured). Do not keep your
    financial problems to yourself in order for you not to be debt master or
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    solution to your financial problems. It will be a great joy to us when you
    are financially stable. Email (loanowner199@gmail.com)OR(loancompany1999@gmail.com) to Reply

    Thanks

    ReplyDelete
  157. Χρειάζεσαι δάνειο? Δραστηριοποιούμε τη διεθνή εταιρεία δανείων που δίνουμε δάνεια σε ιδιώτες, επιχειρήσεις, ιδρύματα, επιχειρηματικούς οργανισμούς και ανθρώπους όλων των ειδών σε όλο τον κόσμο. Χρειάζεστε ένα δάνειο για οποιονδήποτε σκοπό; Είστε σε οικονομικό πρόβλημα, Χρειάζεστε οικονομική λύση CAPITAL LOAN HOME είναι η λύση για όλα τα οικονομικά σας προβλήματα, τα δάνεια μας είναι εύκολα, φθηνά και γρήγορα. Επικοινωνήστε μαζί μας σήμερα για το δάνειο που χρειάζεστε, μπορούμε να κανονίσουμε οποιοδήποτε δάνειο που να ταιριάζει στον προϋπολογισμό σας με επιτόκιο μόνο 3%. Επικοινωνήστε μαζί μας μέσω ηλεκτρονικού ταχυδρομείου: joyceocar@gmail.com

    ReplyDelete
  158. I GOT MY PROGRAMMED BLANK ATM CARD TO WITHDRAW A MAXIMUM OF $5000 DAILY.
    I AM SO EXCITED BECAUSE I ORDERED AND PAID FOR DELIVERY, DIDN'T GET SCAMMED, AND I NOW OWN MY HOME,
    MY BUSINESS HAS GROWN BIGGER.
    GEORG BEDNORZ (georgbednorzhackers@gmail.com) IS THE NAME OF THIS USA HACKER THAT GAVE ME THE CARD
    AND ALSO HE IS OFFERING ALL KINDS OF LOAN WITH ONLY 2% INTEREST RATE.

    ReplyDelete
  159. Are you looking for financial freedom? Are you in debt, you need a loan to start a new business? Do you need an investor or private investor? or you financially crash, do you need a credit that buys a car or a house? Have you reject your bank in getting finance? Do you want to improve your financial results? You need a loan to pay off your bills? no more looking, we welcome you for a way to get all kinds of loans at a very favorable interest rate of 2% for others. For more information, contact us now (michaelsmithloan16firm@gmail.com)call or text us on +19543629549

    ReplyDelete
  160. i want to thank westhood of apexloans for given me a loan. i have being scammed several times in attempting to secure a loan untill i meet mr westhood of apexloans and he gave me loan. if you need a legit loan today apply via from apexloans@yahoo.com

    ReplyDelete
  161. I AM FINALLY FREE FROM FINANCIAL BONDAGE THANKS TO MOORE LOAN COMPANY (mooreloancompany@yahoo.com).

    Good day everyone,I can’t hide this great testimony that took place in my life I will love everyone to know it and be a partaker of this, that is why I want to share it to the whole world by placing this advert on classifieds, I am Mrs Karen Brown by name, I live in Chattanooga, Tennessee United State, I want to thank ROBBINSON MOORE for his kindness upon my family life, I never knew that there is still a sincere and trustworthy lender like this on the internet and on earth. Just some days I was in search for a loan of $ 100,000.00, As I was running out of money for feeding, School fees, My business was really going out of capital and my rent. I was scammed about $15,000.00 dollars and I decided not to involve my self in such business again. But a Friend of mine introduced me to a loan firm due to my appearance and doings and also my complains to her. And I told her that I am not interested in any loan deal anymore but she told me that there is still a sincere lender who she will recommend me to, And she gave me the details of this man who is called MOORE ROBBINSON. And I really put a trial and I am most greatful and lucky today, I was given a loan amount of $95,000,00 Dollars by this great firm MOORE LOAN COMPANY. If you are in need of a genuine, Sincere, durable and a truth worthy loan lender or financial assistance and also you know you can be reliable and trusted, capable of paying back at the due / duration time of the funds I will advice you to send your contact to them via email @[ mooreloancompany@yahoo.com] OR Test (414) 454-9493 . And you will be free from scams on the internet. Please I am begging everyone on earth to help me thank Mr ROBBINSON MOORE. And I will always being sharing this great surprise and testimony that happened in my life everyday to all that need loans. Contact them now if you are in need of a loan: AS THEY ARE EFFICIENT,DYNAMIC AND RELAIBLE.....Again there contact email [mooreloancompany@yahoo.com OR Text (414) 454-9493..........

    ReplyDelete
  162. Hi

    Do you need financial advice or require a loan, 2nd mortgage loan, business loan, home purchase / refinancing loans, debt consolidation, personal loan, construction and agricultural loans? For inquiries and application, contact us. E-mail: franz@fastservice.com Mobile Number: +27846918903

    Loan Application Form Needed:

    Full Name:
    Age:
    Sex:
    Country:
    State:
    Passport or ID card
    Occupation;
    Phone number:
    Loan Amount Needed:
    Loan Duration:
    Monthly income:
    Have you applied for a loan before?

    ReplyDelete
  163. Hello, I am Sandra Alice currently living in USA california, I am a widow at the moment with two kids and i was stuck in a financial situation in June 2015 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Woman of God a private loan lender who gave me a loan of $105,000USD and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 2% interest rate and better repayment plans and schedule, please contact Shelter She doesn’t know that am doing this but am so happy now and i decided to let people know more about her and also i want God to bless her more. You can contact her through his email: (shelterfinances@aol.com)

    ReplyDelete
  164. I am Mrs. Sweeney a private loan lender, and we give a loan at 3% per month, I offer loans to individuals and companies or groups of people who are bankrupt. This Financial Opportunity at your door step up today and get a quick look there credit. capacity,Service is provided to individuals, companies and business men and women. Amount of credit available in the range of $ 1,000.00 is $ 500,000,000.00 or your choice. Here are some questions: Do you need a loan does not make sense, you want to pay the bill, you are in financial trouble, you need financial solution? . Here's the solution to all your financial problems. I give out loans for project, business, taxes, bills, and many other reasons, our loan easily and * censored * For more info contact us at danielsilva59491@gmail.com

    ReplyDelete
  165. How I got my desired loan without any stress.

    I am Martha Colin, I resides in Washington. I was financially down some few months ago, and during the cause of getting an affordable loan I was scammed by three different online lenders. I had completely lost my hope, but a friend of mine referred me to Jennard Investments Limited with contact number +1(484)292-4513 who granted me an unsecured loan of $42,000 within 48 hours after its approval without any stress. To anyone out there looking for a loan of any kind, kindly contact them today via email:jennardinvestmentslimited@outlook.com.

    ReplyDelete
  166. I WANT TO APPRECIATE happines loan for sincerely helping me with a loan of $714,000 after i was duped of $3200 BY THIS RECENT DAYS INTERNET FAKE LOAN LENDERS, life was so full of challenges even to the extend i thought i could never get a loan from any loan lender, until one morning i saw a testimony about a woman that got her loan of $114,250 from happines loan and due to that testimony i applied for a loan and today am so glad am leaving a better life with my kids, mrs happines loan is really one of a kind as i was able to obtain a loan with low stress from this loan company and if in-case you are in need of an urgent loan to start up a business , to pay your bill or to consolidate your debts or for personal use. apply for a loan from (happinesloanfirm@gmail.com).

    ReplyDelete