Tuesday, April 5, 2016

Selling The Idea of Passive Income

This is a true story.

I was lunching with my colleagues the past week and midway we had a conversation about the topic on finance and the stuff I was writing in my blog every other day which they saw appear on their facebook news feed.

The conversation goes something like this:

Colleague A: "Hey, I saw you were blogging about passive income in your blog and all those financial jargons you researched about on companies. What was all that about ?"

Since they are not accounting or financially trained, I gave them a brief explanation on what investing in equities mean and how I was trying to build up passive income from the companies I own. I also tried to explain to them that investing means owning a part of the business which we think will have great potential to grow in the future. In other words, it is not a mere paper trade we are talking about but a piece of real business.

At this point, I get the feeling that they are somewhat a bit lost so I tried to pull the topic back to make the explanation easier for them and ultimately tried to get them interested in investing.

I explained about how when we invest our money in a company, we become a shareholder and will receive profit sharing scheme in the form of dividends when the company makes profit at the end of the year. 

I also explained to them the risk of investing and making money is not to be taken for granted. In fact, a lot of hard work has to be taken before hand to ensure our personal finance (income > expenses) are taken care of before we invest our hard earned money in companies which we then need to research and hope that our thesis would prove to be right before we can see the fruits of our labor.




At this point, they seemed disinterested because it all appears too difficult and dry to absorb.

Sensing the atmosphere, I tried to lighten the atmosphere by explaining what passive income can do for them.

Me: "When you had sufficient passive income to cover your expenses, it means that you have achieved financial freedom. You can shake your leg at home, sleep while people are working or read a book by the beach and money will still continue to flow in. Heck, you can even quit your damned job and still receive income every month"

Their eyes start to lighten up a bit.

Colleague B: "Wow, that is really cool. I've never heard that there are such thing in this world. Can you please let us know how we can do that ?"

Colleague A: " YES, please teach us!!! I can't wait to quit my job after that. How do we do that "?

Me: "(in my mind) ........... Didn't I just tell them at the beginning how to do it ?"


Now, we know why there are so many people who fell to scams on courses that does marketing on how you can build passive income easily and kiss your crappy job goodbye after. What appeals to these people seemed to be the easy solution instead of the process of what that might work or not work for them.

The next time you read about passive income story and if the related article mentioned anything about beach, hairy leg and easy peasy or sound a little cheesy, be wary of it. You might just be your own next downfall.


52 comments:

  1. Hi B,

    I'm curious. Since your colleagues read your blog, wouldn't be a little bit embarrassing for them to read this post and figure out that they are the ones being mentioned?

    Regards,
    FFE

    ReplyDelete
    Replies
    1. Hi FFE

      Actually they don't always read the blog content. But even so, they are very nice people who are serious and sincere in learning, so I'd love to extend my help as much as I can but I don't want to cross the boundaries since I am no professional adviser :)

      Delete
    2. How I Was Rescued By A God Fearing Lender (Lexieloancompany@yahoo.com)

      Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: lexieloancompany@yahoo.com or text +1(406) 946-0675 thanks, I am sure he will also help you.

      Delete
    3. Affordable Loan To Get Your Financial Problem Solved { Clydesdaleloancompany@yahoo.com }

      Hello everybody, I am Tarsha Dannis Bank, from Mississippi ,Ontario USA. I am a widow at the moment with two kids and i was stuck in a financial situation and i needed to refinance and pay up my bills and buy a house here in Oklahoma. I tried seeking for loans from various loan lenders both private and corporate but never with success, and most banks declined my credit. But as God would have it way, i was introduced to a lender Called George Clydesdale by a friend named Adam Ken Fisher who got a loan from them and contacted them as instructed and to my greatest surprise, i got a loan sum of $349,000.00 and today am a house owner and my kids are doing well. So my friends, if you must contact any lending company with reference to securing a loan with low interest rate of 3% and better repayment plans, contact George Clydesdale Loans LLC ( Clydesdaleloancompany@yahoo.com ) He offers all kinds of loans You can contact him through his email via: ( Clydesdaleloancompany@yahoo.com ) or Tel: (347) 708-8926 or visit there webpage http://georgeclydesdaleloans.bravesites.com/

      Delete
    4. How I Was Rescued By A God Fearing Lender {Lexieloancompany@yahoo.com}

      Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: Lexieloancompany@yahoo.com or text +1(406) 946-0675 thanks, I am sure he will also help you.

      Delete
    5. My name is Andy James currently living in california USA Am writing this letter because am really grateful for what Elvin Morrison did for me and my family when I thought there was no hope he came and make a way for me and my family by lending us loan at a very low interest rate of 2%. I never thought that there are still God sent and genuine loan lenders on the web but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would like to recommend you to Elvin Morrison the Managing director of Elvin Loan Company because he is a God sent man that can change your life forever, So if you really want to make a better life without any fund scarcity I would advise you to get in touch with him through this e-mail below elvinloancompany@yahoo.com or call on +13072132540 or on our web page http://elvinloancompanys.bravesites.com

      Delete
  2. please don't sell passive income.

    ReplyDelete
    Replies
    1. Hi SMK

      Passive has one of the most sellable phrase to everyone out there.

      Delete
    2. true and I should sell massive scalable network investing aka MLM.

      or should we think that it doesn't matter how false something is, ie. we don't do something less worse e.g. coffee as a habit and drugs as habit - both are crutches.

      if passive income is truly passive, then all one needs to do is buy and holds and they are forever winners. well try telling that to japanese equity investors who just happen to start buying in early 1990s and just recently retired.

      passive defined by google definitions - accepting or allowing what happens or what others do, without active response or resistance.

      let's ask ourselves, are we truly passive investors?

      I am not saying don't preach. but preach what you truly practice.
      and please don't start getting defensive, I don't mean to say you are a hypocrite.

      but the point is, precision is important in words. because words stick in the minds of readers and they may continue thinking "oh passive, passive mah, I just do nothing after buying can already" long after they got busy and stopped reading your blog and allowed no other stimuli to rouse them into any responsive reaction to changing market conditions. and really, can anyone guarantee full passive income from just buy and hold?

      so my point here is that is just a problem with the word 'passive'.

      by the way, at this point, I realise I am not writing this comment to you B specifically but rather as a semi-open letter to all bloggers to be more precise with their words and to assume more responsibility for their readership.

      it is easy to say "free speech free speech" and just say what we want and damn the poor fella who followed for not doing due dilligence when anything goes wrong. if we are honest with ourselves, we too some point in our personal history, blame others for influencing us when the decision had always been ours to make. so is it entirely the reader/follower's fault? is it entirely the german public's fault for following hitler?

      well that was a bit extreme.

      but the point is it can be very easy to rouse people into action with less qualifying statements and just a imprecise but attractive proposition and if the result turns out the poor fella suffered a loss, blame the poor fella for following you and continue standing on the pedestal you build for yourself. assi tio this a few times liao.

      not saying that it is not good to rouse people into action to start investing, start doing due diligence in investing and it can be difficult to do so. but doesn't mean we should be so 'loose' with our choice of words. can do doesn't mean should do.

      once again B, just remember, this is not directed at you but somehow evolved to a plea for wording more precisely or thinking more for the well being of readers to all bloggers.

      I don't know if I am guilty too but surely I am.

      B, this is a plea to you: please don't sell -->passive<-- income.

      Delete
    3. Hi SMK

      Thanks for the lengthy explanation. No offence taken :)

      You're right. We need to be intelligent enough to know that nothing in this world is almost totally passive. As much as dividend income sounds passive, I actually spent a considerable amount of time everyday reviewing my investment and ensuring that nothing goes wrong with the companies I'm vested in. It's hardly passive at all but I'm enjoying the thought process.

      Interested investors looking for a totally passive way of investing would be disappointed with how much I spent on reviewing the thesis on my investment. I think an ETF could probably be a better bet for more passive in this case.

      Delete
    4. Affordable Loan To Get Your Financial Problem Solved { Clydesdaleloancompany@yahoo.com }

      Hello everybody, I am Tarsha Dannis Bank, from Mississippi ,Ontario USA. I am a widow at the moment with two kids and i was stuck in a financial situation and i needed to refinance and pay up my bills and buy a house here in Oklahoma. I tried seeking for loans from various loan lenders both private and corporate but never with success, and most banks declined my credit. But as God would have it way, i was introduced to a lender Called George Clydesdale by a friend named Adam Ken Fisher who got a loan from them and contacted them as instructed and to my greatest surprise, i got a loan sum of $349,000.00 and today am a house owner and my kids are doing well. So my friends, if you must contact any lending company with reference to securing a loan with low interest rate of 3% and better repayment plans, contact George Clydesdale Loans LLC ( Clydesdaleloancompany@yahoo.com ) He offers all kinds of loans You can contact him through his email via: ( Clydesdaleloancompany@yahoo.com ) or Tel: (347) 708-8926 or visit there webpage http://georgeclydesdaleloans.bravesites.com/

      Delete
    5. Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: Lexieloancompany@yahoo.com or text +1(816) 892-6958 thanks, I am sure he will also help you.

      Delete
    6. My name is Andy James currently living in california USA Am writing this letter because am really grateful for what Elvin Morrison did for me and my family when I thought there was no hope he came and make a way for me and my family by lending us loan at a very low interest rate of 2%. I never thought that there are still God sent and genuine loan lenders on the web but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would like to recommend you to Elvin Morrison the Managing director of Elvin Loan Company because he is a God sent man that can change your life forever, So if you really want to make a better life without any fund scarcity I would advise you to get in touch with him through this e-mail below elvinloancompany@yahoo.com or call on +13072132540 or on our web page http://elvinloancompanys.bravesites.com

      Delete

  3. No name mentioned so no privacy being leaked out but they know who are they and our intent.

    Real People. Real Story. This is to share for real learning and awakening.

    I often write posts relating to my readers and colleagues. :-)

    Nowadays, I use retirement income for life instead of passive income. LOL!

    ReplyDelete
    Replies
    1. Hi Uncle CW

      Thanks for the endorsement ;)

      Real story real people makes a real realistic incident for all the wrong things happened out there.

      Delete
  4. And u didn't mention that building passive income that enable someone to quit his job and shake legs take time..
    I think that will turn them off big time another round..

    ReplyDelete
    Replies
    1. Hi CSCCC

      Thanks, it's a very good point.

      People might think it's such an easy process, but behind the scene, time flies past can do so for easily 10 to 20 years.

      Delete
    2. My name is Andy James currently living in california USA Am writing this letter because am really grateful for what Elvin Morrison did for me and my family when I thought there was no hope he came and make a way for me and my family by lending us loan at a very low interest rate of 2%. I never thought that there are still God sent and genuine loan lenders on the web but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would like to recommend you to Elvin Morrison the Managing director of Elvin Loan Company because he is a God sent man that can change your life forever, So if you really want to make a better life without any fund scarcity I would advise you to get in touch with him through this e-mail below elvinloancompany@yahoo.com or call on +13072132540 or on our web page http://elvinloancompanys.bravesites.com

      Delete
  5. People who understand will understand even if you don't speak, people who don't understand won't understand even if you speak.

    ReplyDelete
    Replies
    1. Hi Sweet Retirement

      I understand what you are saying :D

      Delete
  6. Hi B,

    It is good that you are trying to educate your colleagues in financial management and investment. When I chat with my younger colleagues, some of them accounting trained, I am surprised that how many young working adults are ignorant about financial planning, investment and retirement planning.

    My compliment!

    ReplyDelete
    Replies
    1. Hi Sanye

      Thanks for your endorsement.

      I think people are taught with theory theory and theory but the application of financial planning is 90% mental and 10% endurance. You don't really need hard science to crack that out to know what's best for you.

      Delete
  7. If something is too good to be true e.g. quick + easy + lots of money, then it probably is ..

    ReplyDelete
    Replies
    1. Hi Kevin

      That's the part which interests people the most :D

      Delete
  8. People only see the good part of things. When i post my dividends received on facebook many of my friend started messaging me for lobang.

    ReplyDelete
    Replies
    1. Hi Jfree

      No wonder why many bloggers are only posting their dividends monthly in their blog. That's to entice readers?

      Delete
    2. Affordable Loan To Get Your Financial Problem Solved { Clydesdaleloancompany@yahoo.com }

      Hello everybody, I am Tarsha Dannis Bank, from Mississippi ,Ontario USA. I am a widow at the moment with two kids and i was stuck in a financial situation and i needed to refinance and pay up my bills and buy a house here in Oklahoma. I tried seeking for loans from various loan lenders both private and corporate but never with success, and most banks declined my credit. But as God would have it way, i was introduced to a lender Called George Clydesdale by a friend named Adam Ken Fisher who got a loan from them and contacted them as instructed and to my greatest surprise, i got a loan sum of $349,000.00 and today am a house owner and my kids are doing well. So my friends, if you must contact any lending company with reference to securing a loan with low interest rate of 3% and better repayment plans, contact George Clydesdale Loans LLC ( Clydesdaleloancompany@yahoo.com ) He offers all kinds of loans You can contact him through his email via: ( Clydesdaleloancompany@yahoo.com ) or Tel: (347) 708-8926 or visit there webpage http://georgeclydesdaleloans.bravesites.com/

      Delete
    3. How I Was Rescued By A God Fearing Lender {Lexieloancompany@yahoo.com}..

      Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: Lexieloancompany@yahoo.com or text +1(816) 892-6958 thanks, I am sure he will also help you.

      Delete
  9. Great post! You inspired me to write this as a follow-up: http://sgbudgetbabe.blogspot.sg/2016/04/millennials-want-financial-security-but.html

    Also prompted by an article I read this morning about how 3 in 4 millennials want their bosses to take care of their finances. GEEZ.

    ReplyDelete
    Replies
    1. Thanks BB.

      Great post you had too. I left a comment on your blog too.

      Delete
    2. My name is Andy James currently living in california USA Am writing this letter because am really grateful for what Elvin Morrison did for me and my family when I thought there was no hope he came and make a way for me and my family by lending us loan at a very low interest rate of 2%. I never thought that there are still God sent and genuine loan lenders on the web but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would like to recommend you to Elvin Morrison the Managing director of Elvin Loan Company because he is a God sent man that can change your life forever, So if you really want to make a better life without any fund scarcity I would advise you to get in touch with him through this e-mail below elvinloancompany@yahoo.com or call on +13072132540 or on our web page http://elvinloancompanys.bravesites.com

      Delete
  10. I call my passive income investment Freedom Fund after seeing someone using this term online. I stop explaining Freedom Fund concept to others. Most people don't understand. Many find analysing companies tedious. Some won't want to know, prefer to let their financial consultants in the banks manage their money through mutual funds etc. They rather trust strangers with their hard earned money who only look at their portfolio once every few months than manage their money themselves.

    In the meantime, I am quietly working on my Freedom Fund and living simply and on track to be financial independent long before them. They find it incredulous when I tell them how soon I will be stopping my work.

    Renewed investor

    ReplyDelete
    Replies
    1. Hi Renewed Investor

      I talked to a few financial bloggers and found mixed reviews about investing too. Some are more inclined towards the end result while others are enjoying the process of researching and analyzing into companies. The result is an end to the process but it is the latter more important to them.

      Delete
    2. Ass...saya tidak menyanka kalau saya sudah bisa sesukses ini dan ini semua berkat bantuan MBAH RAWA GUMPALA,saya yang dulunya bukan siapa-siapa bahkan saya juga selalu dihina orang dan alhamdulillah kini sekaran saya sudah punya segalanya,itu semua atas bantuan beliau.Saya sangat berterimakasih banyak kepada MBAH RAWA GUMPALA atas bantuan nomor dan dana ghaibnya,alhamdulillah kini saya sudah bisa membuka usaha kembali yang dulunya pakum karna masalah faktor ekonomi dan kini kami sekeluarga sudah sangat serba berkecukupan dan tidak pernah lagi hutang sana sini,,bagi anda yang punya masalah keuangan jangan sungkan-sungkan untuk menhubungi MBAH RAWA GUMPALA karna insya allah beliau akan membantu semua masalah anda dan baru kali ini juga saya mendaptkan para normal yang sangat hebat dan benar-benar terbukti nyata,ini bukan hanya sekedar cerita tapi inilah kisah nyata yang benar-benar nyata dari saya




      (((( BUKA BLO DANA GHAIB DAN NOMOR GHAIB MBAH RAWA GUMPALA ))))







      Ass...saya tidak menyanka kalau saya sudah bisa sesukses ini dan ini semua berkat bantuan MBAH RAWA GUMPALA,saya yang dulunya bukan siapa-siapa bahkan saya juga selalu dihina orang dan alhamdulillah kini sekaran saya sudah punya segalanya,itu semua atas bantuan beliau.Saya sangat berterimakasih banyak kepada MBAH RAWA GUMPALA atas bantuan nomor dan dana ghaibnya,alhamdulillah kini saya sudah bisa membuka usaha kembali yang dulunya pakum karna masalah faktor ekonomi dan kini kami sekeluarga sudah sangat serba berkecukupan dan tidak pernah lagi hutang sana sini,,bagi anda yang punya masalah keuangan jangan sungkan-sungkan untuk menhubungi MBAH RAWA GUMPALA karna insya allah beliau akan membantu semua masalah anda dan baru kali ini juga saya mendaptkan para normal yang sangat hebat dan benar-benar terbukti nyata,ini bukan hanya sekedar cerita tapi inilah kisah nyata yang benar-benar nyata dari saya.

      Delete
  11. Hi b

    I also shared the ideas of investing and dividends with my colleagues and friends too.Somehow, they would be passive about it and 'outsource' it to their agents.

    I guess people need to be of certain influence or authority in order to trigger thoughts and action. Money talks. Just my 2 cents, haha.

    ReplyDelete
    Replies
    1. I only asked those colleagues who are seriously interested in investing to come and read my blog. The blog posts over the years should be convincing enough for them to decide for themselves. Our earning power are within those ranges of salary scale and what left is how we manage our saving and investing to make that difference is us.


      :-)

      Delete
  12. How I Was Rescued By A God Fearing Lender (Lexieloancompany@yahoo.com)

    Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: lexieloancompany@yahoo.com or text +1(406) 946-0675 thanks, I am sure he will also help you.

    ReplyDelete
  13. Affordable Loan To Get Your Financial Problem Solved { Clydesdaleloancompany@yahoo.com }

    Hello everybody, I am Tarsha Dannis Bank, from Mississippi ,Ontario USA. I am a widow at the moment with two kids and i was stuck in a financial situation and i needed to refinance and pay up my bills and buy a house here in Oklahoma. I tried seeking for loans from various loan lenders both private and corporate but never with success, and most banks declined my credit. But as God would have it way, i was introduced to a lender Called George Clydesdale by a friend named Adam Ken Fisher who got a loan from them and contacted them as instructed and to my greatest surprise, i got a loan sum of $349,000.00 and today am a house owner and my kids are doing well. So my friends, if you must contact any lending company with reference to securing a loan with low interest rate of 3% and better repayment plans, contact George Clydesdale Loans LLC ( Clydesdaleloancompany@yahoo.com ) He offers all kinds of loans You can contact him through his email via: ( Clydesdaleloancompany@yahoo.com ) or Tel: (347) 708-8926 or visit there webpage http://georgeclydesdaleloans.bravesites.com/

    ReplyDelete
  14. How I Was Rescued By A God Fearing Lender {Lexieloancompany@yahoo.com}

    Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: Lexieloancompany@yahoo.com or text +1(406) 946-0675 thanks, I am sure he will also help you.

    ReplyDelete
  15. saya PAK SLEMET posisi sekarang di malaysia
    bekerja sebagai BURU BANGUNAN gaji tidak seberapa
    setiap gajian selalu mengirimkan orang tua
    sebenarnya pengen pulang tapi gak punya uang
    sempat saya putus asah dan secara kebetulan
    saya buka FB ada seseorng berkomentar
    tentang AKI NAWE katanya perna di bantu
    melalui jalan togel saya coba2 menghubungi
    karna di malaysia ada pemasangan
    jadi saya memberanikan diri karna sudah bingun
    saya minta angka sama AKI NAWE
    angka yang di berikan 6D TOTO tembus 100%
    terima kasih banyak AKI
    kemarin saya bingun syukur sekarang sudah senang
    rencana bulan depan mau pulang untuk buka usaha
    bagi penggemar togel ingin merasakan kemenangan
    terutama yang punya masalah hutang lama belum lunas
    jangan putus asah HUBUNGI AKI NAWE 085-218-379-259
    tak ada salahnya anda coba
    karna prediksi AKI tidak perna meleset
    saya jamin AKI NAWE tidak akan mengecewakan









    saya PAK SLEMET posisi sekarang di malaysia
    bekerja sebagai BURU BANGUNAN gaji tidak seberapa
    setiap gajian selalu mengirimkan orang tua
    sebenarnya pengen pulang tapi gak punya uang
    sempat saya putus asah dan secara kebetulan
    saya buka FB ada seseorng berkomentar
    tentang AKI NAWE katanya perna di bantu
    melalui jalan togel saya coba2 menghubungi
    karna di malaysia ada pemasangan
    jadi saya memberanikan diri karna sudah bingun
    saya minta angka sama AKI NAWE
    angka yang di berikan 6D TOTO tembus 100%
    terima kasih banyak AKI
    kemarin saya bingun syukur sekarang sudah senang
    rencana bulan depan mau pulang untuk buka usaha
    bagi penggemar togel ingin merasakan kemenangan
    terutama yang punya masalah hutang lama belum lunas
    jangan putus asah HUBUNGI AKI NAWE 085-218-379-259
    tak ada salahnya anda coba
    karna prediksi AKI tidak perna meleset
    saya jamin AKI NAWE tidak akan mengecewakan









    ReplyDelete
  16. How I Was Rescued By A God Fearing Lender {Lexieloancompany@yahoo.com}..

    Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: Lexieloancompany@yahoo.com or text +1(816) 892-6958 thanks, I am sure he will also help you.

    ReplyDelete
  17. Get a Loan Today At 3% Interest Rate, contact us at:davidloans760@gmail.com

    Welcome to DAVID JAMES Loan Company, This is a legit loan Company, formed to help individuals who are in need of financial crises and help them achieve their goals in life.

    Available Loans we offer are,

    1. Personal Loans (Secure and Unsecured)
    2. Business Loans (Secure and Unsecured)
    3. Combination Loan
    4. Consolidation Loan And Many More:

    Interested clients should please send request to our email for application form and terms. Try and see your for self, our wonderful services that does not exceed Working days for loan processing and just only (1)hour 35 minutes of loan Transfer.

    EMAIL---[ davidloans760@gmail.com ]

    Warm Regard

    ReplyDelete
  18. My name is Andy James currently living in california USA Am writing this letter because am really grateful for what Elvin Morrison did for me and my family when I thought there was no hope he came and make a way for me and my family by lending us loan at a very low interest rate of 2%. I never thought that there are still God sent and genuine loan lenders on the web but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would like to recommend you to Elvin Morrison the Managing director of Elvin Loan Company because he is a God sent man that can change your life forever, So if you really want to make a better life without any fund scarcity I would advise you to get in touch with him through this e-mail below elvinloancompany@yahoo.com or call on +13072132540 or on our web page http://elvinloancompanys.bravesites.com

    ReplyDelete
  19. We The Islamic Family of Abdallah, Abdel Wassim We grant loans to businesses and individuals at a low interest rate and affordable Interest rate of 3%. Contact us by email: Abdallah.afandi@financier.com

    ReplyDelete
  20. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
    9. occupation………………
    10.age/sex…………………
    11.Monthly Income…………..
    12.Email……………..

    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  21. Sir,

    We do not offer direct funding or loans, we offer Bank Instruments in the form of BGs and SBLCs which can be discounted or monetized for funding and we deliver these instruments in accordance with a set of terms and procedures as set by the provider of these instrument.

    You can speak with a financial advisor for better understanding of these or we can chat over Skype on this.

    Please do advise regarding this accordingly asap.


    Regards,
    Gennady Safranov
    Contact: gennady.safr@gmail.com
    Skype ID: gennady.safr

    ReplyDelete
  22. Guten Tag

    Ich bin Frau tarazona Jose Antonio e speziell, die Darlehen zum internationalen anbietet.
    ich arbeite mit der Bank BNP, das und Last von, aber übertragung ok.

    wer wird dazu dienen, Darlehen zwischen gehenden Privatpersonen kurzfristiger und langer zu verleihen von
    2.000 € an 12.000.000 an allen ernsthaften Personen, die in den wirklichen Bedürfnissen sind, der Satz
    von Interesse 4% beträgt das Jahr.

    Ich verleihe Darlehen finanziell

    Immobiliardarlehen
    Darlehen zur Investition
    Autodarlehen
    Persönliches Darlehen

    Dann halte ich an Ihnen zu sagen aufzupassen, mir das steigende zu sagen, dass Sie wollen leihen und es gedauert von Ihrer Rückzahlung, die sich Ihnen eignen.
    und kontaktiere mich dringlichen.

    Mail. tarazonajose125@gmail.com
    oder haskipierre@gmail.com

    Herzlich

    Dank

    ReplyDelete
  23. Guten Tag

    Ich bin Frau tarazona Jose Antonio e speziell, die Darlehen zum internationalen anbietet.
    ich arbeite mit der Bank BNP, das und Last von, aber übertragung ok.

    wer wird dazu dienen, Darlehen zwischen gehenden Privatpersonen kurzfristiger und langer zu verleihen von
    2.000 € an 12.000.000 an allen ernsthaften Personen, die in den wirklichen Bedürfnissen sind, der Satz
    von Interesse 4% beträgt das Jahr.

    Ich verleihe Darlehen finanziell

    Immobiliardarlehen
    Darlehen zur Investition
    Autodarlehen
    Persönliches Darlehen

    Dann halte ich an Ihnen zu sagen aufzupassen, mir das steigende zu sagen, dass Sie wollen leihen und es gedauert von Ihrer Rückzahlung, die sich Ihnen eignen.
    und kontaktiere mich dringlichen.

    Mail. tarazonajose125@gmail.com
    oder haskipierre@gmail.com

    Herzlich

    Dank

    ReplyDelete
  24. Guten Tag

    Ich bin Frau tarazona Jose Antonio e speziell, die Darlehen zum internationalen anbietet.
    ich arbeite mit der Bank BNP, das und Last von, aber übertragung ok.

    wer wird dazu dienen, Darlehen zwischen gehenden Privatpersonen kurzfristiger und langer zu verleihen von
    2.000 € an 12.000.000 an allen ernsthaften Personen, die in den wirklichen Bedürfnissen sind, der Satz
    von Interesse 4% beträgt das Jahr.

    Ich verleihe Darlehen finanziell

    Immobiliardarlehen
    Darlehen zur Investition
    Autodarlehen
    Persönliches Darlehen

    Dann halte ich an Ihnen zu sagen aufzupassen, mir das steigende zu sagen, dass Sie wollen leihen und es gedauert von Ihrer Rückzahlung, die sich Ihnen eignen.
    und kontaktiere mich dringlichen.

    Mail. tarazonajose125@gmail.com
    oder haskipierre@gmail.com

    Herzlich

    Dank

    ReplyDelete
  25. I want to thank Julia Navaro for the loan given to me by her loan company NAVARO LOAN COMPANY. Needed a loan to start a my boutique and didn't know how to get a loan until I was introduce to NAVARO LOAN COMPANY by a friend online and she approved my loan of $300,000 with minimum income of $10 and now am a successful woman. If you need any type of loan from any country and of any amount at an interest rate of 2% contact Julia Navaro at
    Navaroloancompany@yahoo.com and live a happy life.

    ReplyDelete
  26. We are Providers of all types of BG and SBLC with the best workable procedures. Our BG/SBLC ranges from MT799, MT760,(Both two way confirmation), MT103/23, MT103 (Both can be one way confirmation and two way confirmation) in USD and EUROS. Issuing Bank ranges from Top world 25 banks with face value ranging from 1M EUROS/USD to 5B EUROS/USD

    BROKERS ARE WELCOME & 100% PROTECTED!!!
    Intermediaries/Consultants/Brokers are welcome to bring their clients and cases to our attention and in complete confidence we will work together for the benefits of all parties involve

    For further details contact us with the below information Thank you.

    Contact Person: Mr. Tommy Champion
    Email: trustco.financeplc@gmail.com
    Skype ID: trustco.financeplc

    ReplyDelete
  27. Hello Everyone, i am DAVID HILL now living in FLORIDA. I am SINGLE DAD, at the moment, two children and I was struck on the financial situation and need to refinance and pay for my son's medical bills and school fees. I tried looking for different loan lending companies and private corporation but never got a loan from them, and most banks reduced their credit. But as God would have it, I was introduced to the private loan lender JULIA NAVARO CEO NAVARO LOAN COMPANY and I got the loan amount ($553,760 USD), and today I am a business owner, and the kids are doing well at the moment. So, my dear friends, if you need to contact referring to all the companies that provide the loan at low interest rate of 2% and better repayment plans and schedules, please contact (JULIA NAVARO) at NAVAROLOANCOMPANY@YAHOO.COM. I'm so happy now, and I decided to let people know more about it, she offers all kinds of loans to individuals and company, and I want God to bless her. You can contact the company via e-mail (NAVAROLOANCOMPANY@YAHOO.COM)....

    ReplyDelete

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