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Sunday, 15 January 2012

Singaporean in debt

The current starting median pay for polytechnic graduates is 2000$.
The starting median salary for University graduates is about 2700$.
The average median salary per month for Singaporeans in 2011 is 2710$.

I really wonder how can Singaporeans stay out of debt if they continue to spend.

Take some example, a Singaporean couple fall in love and decided to settle down. Man is in his thirties and woman in his twenties. Combined income of about 8K$

Guy buys proposal ring - $7000. (Larry's brand as girlfriend likes it)
Couple bought a pair of engagement rings - $6000 (Cartier- due to peer pressure)
Expenses for wedding photo package - $6000
Wedding dinner expenses came to -$7000 (for in-laws "ping jin")
Honeymoon to Korea - $3000
They decided to apply for a DBSS after countless tries with HDB's BTO without sucess - $350,000 ( took up a hdb loan and wiped out their cpf and savings)

Couple spent 20K on  minor renovation and furnitures.

Man decides to upgrade his car as he could not resist the latest continental car design - $100,000 (car loan)
( this is getting very familiar for people in their 20s, once they get extra earning power, their cars will get extra power too eventually)

Man likes to collect watches, saw the latest rolex and could not resist. Has no cash but buys it with a interest free 24 months instalment since it is so cheap per month - $12,000.

Man tells himself, if he loses his job, he is finished. Stuck in a rat race and saves on food, entertainment and  transport cost. ( will not drive his continental car to areas with ERPs and takes MRT there).
Wife is in the finance industry, with many banks doing cost cutting, she is very concerned now as she realises she has nothing much to do during office hours.

Above is a real life story.

The only way the couple could afford all that if they belong to the high earners group or if they have financial assistance from their parents or if they are born rich. Unfortunately, they are not.

We have not even talked about Singaporeans with lower earnings.
Most Singaporeans will be in debt if;

1) Earn less than what you spent
2) they have no savings
3) they lose their jobs
4) they stay in a company for too long without promotions and their company provides them pathetic bonuses
6) they spent on liabilities
7) they do not practise delay gratification
8) if you marry somebody that likes Cartier or Larry's
9) if you are a not a minister
10) they do not invest

82 comments:

  1. Serve them right for spending more on luxury items than they earn.

    Why cartier? Why larry? Why continental car? What's wrong with SK/goldheart? What's wrong with toyota?
    Peer pressure? Then deal with crippling debts. No sympathy for them at all.

    For those pple spending on necessities then got to upgrade! Govt does give spur funds etc to help them but only pple who can help them is themselves.

    ReplyDelete
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  2. LOL!

    As a ex-salesman, I am a little more circumspect. Just in case it's your story ;)

    Words meant little until you have experienced it yourself. I noticed that those graduates that gone through the 97 Asian crisis have a different outlook and lifestyle than those who only experienced "more good years".

    This 2008 thing was a non-event as Singapore bounced backed very strongly.

    Every decade or so, there will be a chance to "re-calibrate". That's nature's way of reversion to mean.

    Never understimate the ability of the human spirit to rise above adversity!

    And when people are down, if we can lend a hand we do so. At the very least don't give them a kick!

    ReplyDelete
    Replies
    1. It's not my story la haha

      Delete
    2. LOL!

      I pointing to the willow, kicking the oak ;)

      People will figure it out on their own. No one likes to be told what to do.

      It's not always about the left-brain and money. A person that does not save and invest may be better off than one who saves and invest. Huh?

      1) No savings no investments, but focus on bringing up good and upright children with love. Old, children stays by your side and not "ship" you off to 5 star old folks home.

      2) Save 80% of salary and invest "wisely". Neglect family. Fell asleep at the wheel during market crash and lost a bundle. How?

      Life is not a straight line extrapolation.

      Delete
    3. Ha the idea here is not to condemn him, but rather to educate on the important need for proper control of spending, seriously, he is a good friend, but when he buys 3 branded watches and has the idea for his parents to sell their flat so that they can help him with his mortgage bills, you start to see how very wrong it is..
      And yes you are very right, upbringing is also one of the key words here :)

      Delete
  3. This post should be a wake up call for anyone who over spends. My advice to all male fresh graduates is:

    (1) Get a job before you even graduate (e.g., see my blog on "initiative" here: http://roniansiew.blogspot.com/2012/01/praise-for-coming-jobs-war-by-jim.html

    (2) If you haven't done (1), then get a job asap

    (3) Pursue your passion (if your job isn't one), but keep your day job

    (4) Pursue that girl, but don't get any diamond rings greater than $1000 (not even if you earned $10k/month). Get a simple engagement ring. Trust me, there are more important things to spend your money on when you go through married life.

    (5) Buy a home you can afford. If you want 5 kids but can only afford a 3 room flat, then don't get kids.

    (6) Aim to pay off the mortgage in less than 15 years. Really, it is true freedom.

    (7) Despite what your very Asian parents may wish, justify your having a very small wedding celebration by telling everyone you are a practical man. Be a man. Stand up to relatives. Your wife and future children are more important - from a practical perspective. Everyone else is secondary.

    (8) Don't go on a big spending spree for a honeymoon. Instead, spread out your honeymoons into little 1 week vacations at nearby resorts. You don't have to go to Paris (really, it ain't all that glamorous anyway). Those little vacations mean so much more.

    (9) Start investing in unit trusts with a regular savings plan. Make as many transfers as you can from your CPF ordinary account into the special account to earn more interest. Don't use it for your kids. Make them work for their own money. In fact, don't even use it for your home. Leave the CPF as it should be: For retirement. If you can't afford a flat with your cash from salary, then don't buy a flat (or settle for something cheaper). What's most important is to have a roof over your head. Really, it doesn't have to be a fancy condo. If your girl wants 5Cs or 5Bs...then she ain't worth it.

    (10) After settling on a small but fair amount of regular savings plan, try focus on doing your job well. Be damn good at what you're doing so that you can ask for higher salaries when you switch jobs. You don't get proportionately higher salaries if you stay in the same company and get promoted. The increment in job responsibilities is far greater than the increment in salary. If you want a salary, be prepared to leave your present company, and if they want you to stay, then ask for that 20% increase. But in order to have them ask you to stay, and in order to get what you ask for the salary - you gotta be damn good in what you do. Which is why I encourage you to focus on your job. Don't worry about heirarchies or the rat race. The world is changing. Focus on acquiring value added skills and knowledge. Everything else follows from there.

    Speaking from experience,

    Ronian

    ReplyDelete
  4. The article is so close to the heart. I have also seen couple spending all their money on luxury items (items which they cannot afford) and now they are feeling the heat. The heat of finding ways to repay the amount. Worst of all, they borrow some more loans to repay the debt thus increasing the number of existing loans.

    The couple in your article is really in deep problem. They will have to suffer stress and pain for the next 10-20 years paying off all the debt. Provided that they do not get into more debt.

    This overstretching of finance has really landed them in hot soup. I believe many singaporeans may be in similar situations. Hope that they can wake up fast.

    Thanks for your sharings

    ReplyDelete
  5. Singapore has the best passport in the whole world. Visa free travel to just about every country for 3 months. Easy to obtain work permits in Several foreign countries. Singapore is also the best place in the world to keep your hard earned money as savings. The Government is also very honest and very transparent. But it is too expensive to live unless you are a finance big shot. My advice to Singaporeans. You people are very talented. You can easily find good jobs in countries like the United States where you will make 20% more money for doing the same work and where everything is half as expensive. You will thus be easily able to save 33% of your income with the same living standard. Work in the foreign country but repatriate all your savings to Singapore. That way you can have the best of both worlds. And finally, never never give up your singaporean Citizenship. But do work abroad.

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  29. Hello everyone, My name is Hilda Clifton ,a citizen of USA; am 40years of age..I am married,with three kids I want to inform you all about the goodness of the lord,i was struck in a financial situation,and i needed to pay off my bills,I tried seeking for loans from various loan firms both private and corporate but never wih success,and most banks declined my credit. but finally i want to Thank God Almighty for leading me to a real and Legit loan lender name Aliton Bernard Jones, the CEO of BernardInvestmentLimited after been scammed the sum of $9,850 by fake lenders,i was hopeless and didn't know who to trust while he came and put a great smile on my face By lendering me the sum of $450,000.00USD at my greatest surprise,So dear,if you must contact any firm with reference to securing a loan with low interest rate of 2% and better repayment plans andschedule,please contact {Bernardinvestmentlimited@hotmail.com} And also if you have been victim of Scam,you should worry no more because,i have brought you good news,and the only lender you can trust,just contact him now via (Bernardinvestmentlimited@hotmail.com)for more information on how to get your loan. he does not know am doing this i pray God bless him Abundantly for putting a smile on my face and that of my family.

    ReplyDelete

  30. Hello everyone, My name is Hilda Clifton ,a citizen of USA; am 40 years of age..I am married,with three kids I want to inform you all about the goodness of the lord,i was struck in a financial situation,and i needed to pay off my bills,I tried seeking for loans from various loan firms both private and corporate but never wih success,and most banks declined my credit. but finally i want to Thank God Almighty for leading me to a real and Legit loan lender name Aliton Bernard Jones, the CEO of BernardInvestmentLimited after been scammed the sum of $9,850 by fake lenders,i was hopeless and didn't know who to trust while he came and put a great smile on my face By lendering me the sum of $450,000.00USD at my greatest surprise,So dear,if you must contact any firm with reference to securing a loan with low interest rate of 2% and better repayment plans andschedule,please contact {Bernardinvestmentlimited@hotmail.com} And also if you have been victim of Scam,you should worry no more because,i have brought you good news,and the only lender you can trust,just contact him now via (Bernardinvestmentlimited@hotmail.com)for more information on how to get your loan. he does not know am doing this i pray God bless him Abundantly for putting a smile on my face and that of my family.

    ReplyDelete

  31. Hello everyone, My name is Hilda Clifton ,a citizen of USA; am 40 years of age..I am married,with three kids I want to inform you all about the goodness of the lord,i was struck in a financial situation,and i needed to pay off my bills,I tried seeking for loans from various loan firms both private and corporate but never wih success,and most banks declined my credit. but finally i want to Thank God Almighty for leading me to a real and Legit loan lender name Aliton Bernard Jones, the CEO of BernardInvestmentLimited after been scammed the sum of $9,850 by fake lenders,i was hopeless and didn't know who to trust while he came and put a great smile on my face By lendering me the sum of $450,000.00USD at my greatest surprise,So dear,if you must contact any firm with reference to securing a loan with low interest rate of 2% and better repayment plans andschedule,please contact {Bernardinvestmentlimited@hotmail.com} And also if you have been victim of Scam,you should worry no more because,i have brought you good news,and the only lender you can trust,just contact him now via (Bernardinvestmentlimited@hotmail.com)for more information on how to get your loan. he does not know am doing this i pray God bless him Abundantly for putting a smile on my face and that of my family.

    ReplyDelete

  32. Hello everyone, My name is Hilda Clifton ,a citizen of USA; am 40 years of age..I am married,with three kids I want to inform you all about the goodness of the lord,i was struck in a financial situation,and i needed to pay off my bills,I tried seeking for loans from various loan firms both private and corporate but never wih success,and most banks declined my credit. but finally i want to Thank God Almighty for leading me to a real and Legit loan lender name Aliton Bernard Jones, the CEO of BernardInvestmentLimited after been scammed the sum of $9,850 by fake lenders,i was hopeless and didn't know who to trust while he came and put a great smile on my face By lendering me the sum of $450,000.00USD at my greatest surprise,So dear,if you must contact any firm with reference to securing a loan with low interest rate of 2% and better repayment plans andschedule,please contact {Bernardinvestmentlimited@hotmail.com} And also if you have been victim of Scam,you should worry no more because,i have brought you good news,and the only lender you can trust,just contact him now via (Bernardinvestmentlimited@hotmail.com)for more information on how to get your loan. he does not know am doing this i pray God bless him Abundantly for putting a smile on my face and that of my family.

    ReplyDelete
  33. Hello Everybody,

    TESTIMONY ON HOW I GOT A LOAN TO CHANGE THE LIFE OF MY FAMILY

    My name is Lynn Deborah. I live in USA Florida and i am a happy woman today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them.
    They gave happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as a widow with 3 kids I meant this honest and GOD fearing loan lending company online that helped me with a loan of $250,000.00 U.S. Dollar, They are indeed GOD fearing People, working with a reputable loan company.

    i am verry happy i got loan from Ghana Republic.
    If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs, Lynn referred you to them.

    contact via E_mail:Rodneyloan_finance@yahoo.com
    Web: www.rodneyloanfinance.wix.com/firm

    ReplyDelete
  34. We offer the following types of loans:
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    ReplyDelete
  35. I GOT A FAST APPROVED LAON @ 2% INTEREST RATE

    I am married with two kids and i was stuck in a financial situation and i needed to refinance, pay debt and pay for my husband medical bill. I tried seeking loans from various loan firms both private and corporate but never with success and most banks declined my credit. But By God help i was introduced to VICTORIA LAWSON LOAN FIRM by a friend who testify of her good service and i applied immediately with {marianlawson@outlook.com} loan sum of $30,000USD and today am a business owner and my kids are doing well at the moment. So dear,if you must contact any firm with reference to securing a loan with low interest rate of 2% and good repayment plans, Contact Victoria Lawson Loan Firm with (marianlawson@outlook.com) I am so happy now and i decided to let people know more about her, she offers all kinds of loans. You can contact her company today

    *Full Name:_________

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    *Next of kins :_________

    *Email :_________

    ReplyDelete
  36. I want to appreciate Mrs Nolan of oscar finance loan firm for helping me to get my loan i have being scammed $5,000 by different fake loan lenders and i was at a point of selling my properties to make ends meet. until i saw a post on the internet on how a friend from Croatia got her loan from the firm Oscar finance loan firm and i also applied with same faith. and i got my loan with no stress after agreeing to the repayment terms and conditions of the firm. avoid internet frauds now!
    if you are in need for a loan to start up a business, car loan, medical bills, projects loans, education etc. contact the oscar finance loan firm via email. oscarfinanceloanfirm05@hotmail.com

    ReplyDelete
  37. I want to appreciate Mrs Nolan of oscar finance loan firm for helping me to get my loan i have being scammed $5,000 by different fake loan lenders and i was at a point of selling my properties to make ends meet. until i saw a post on the internet on how a friend from Croatia got her loan from the firm Oscar finance loan firm and i also applied with same faith. and i got my loan with no stress after agreeing to the repayment terms and conditions of the firm. avoid internet frauds now!
    if you are in need for a loan to start up a business, car loan, medical bills, projects loans, education etc. contact the oscar finance loan firm via email. oscarfinanceloanfirm05@hotmail.com

    ReplyDelete

  38. Good Day,

    Are you in any kind of financial difficulties? Your help comes now.
    Are you having sleepless night worrying how to get a Loan?Don't allow
    your dreams to die, or are you looking for whom to trust or having you been scammed by INTERNET fraud stars, or you have been turned down by other financial company contact
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    below this email.{{{joycemyersloancompany@gmail.com}}}

    BORROWERS APPLICANT FORM
    Full Names:............
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    Marital status:.........
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    State:..........................
    Age:...........................
    Monthly Income:..............
    Loan Amount:...................
    Duration of Loan:............
    Date Of Loan Needed:.............
    Weekly Income:....................
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    Purpose for Loan:.................
    Phone Number:....................
    Personal Phone Number:.........
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    How Did You Hear About This Company?........

    Mrs Joyce Myers

    C.E.O... OF JOYCE MYERS LOAN COMPANY

    THANKS......

    ReplyDelete

  39. I want to appreciate Mrs Nolan of Oscar foundation loan firm for helping me to get my loan i have being scammed $5,000 by different fake loan lenders and i was at a point of selling my properties to make ends meet. until i saw a post on the internet on how a friend from Croatia got her loan from the firm Oscar foundation loan firm and i also applied with same faith. and i got my loan with no stress after agreeing to the repayment terms and conditions of the firm. avoid internet frauds now!
    if you are in need for a loan to start up a business, car loan, medical bills, projects loans, education etc. contact the Oscar foundation loan firm via email: oscarfoundationloanfirm@hotmail.com

    ReplyDelete

  40. I want to appreciate Mrs Nolan of Oscar foundation loan firm for helping me to get my loan i have being scammed $5,000 by different fake loan lenders and i was at a point of selling my properties to make ends meet. until i saw a post on the internet on how a friend from Croatia got her loan from the firm Oscar foundation loan firm and i also applied with same faith. and i got my loan with no stress after agreeing to the repayment terms and conditions of the firm. avoid internet frauds now!
    if you are in need for a loan to start up a business, car loan, medical bills, projects loans, education etc. contact the Oscar foundation loan firm via email: oscarfoundationloanfirm@hotmail.com

    ReplyDelete

  41. PERSONAL FINANCE
    Personal loans from Finance point are a quick and easy. Secured Personal Loans and Unsecured Personal Loans for home improvements,

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    APPLICANT'S INFORMATION
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    TRACY WILLIAMS

    ReplyDelete


  42. DEBT CONSOLIDATION
    A Finance point Debt Consolidation Loan can consolidate your credit cards, hire purchases, car loans, overdrafts and personal loans

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    APPLICANT'S INFORMATION
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    TRACY WILLIAMS

    ReplyDelete

  43. COMMERCIAL LOANS
    Plant and Machinery finance, Transport finance, Commercial Property finance, Asset Finance, Franchise finance, Working Capital Loans

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    APPLICANT'S INFORMATION
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    TRACY WILLIAMS

    ReplyDelete
  44. How I Got My Loan Today!!!


    Hello everyone,

    I am Matt Sato Corkerin by name, am writing this Testimony because am really grateful for what FIDELITY BANK did for me and my family, when I thought there was no hope he came and make my family feel alive again by lending us loan at a very low interest rate of 2%. Well I have been searching for a loan to settle my debts for the past three months all I met scammed and took my money until I finally met a God sent Lender. I never thought that there are still genuine loan lenders on the internet 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 advise you to email the legit loan company via email: { fidelitybankloanoffer4@gmail.com} and be free of internet scams. thanks… Matt Sato Corkerin from California, USA.

    E_mail: fidelitybankloanoffer4@gmail.com

    E_mail: mikekenfundsoffer@hotmail.com

    web: www.:quickloanhelp.webs.com

    ReplyDelete
  45. DO YOU NEED A URGENT LOAN TO PAY OFF YOUR BILLS? OR FOR YOUR XMAS? or Start Up a Business of your own?Have you being turn down by your Bank or other Lender's online? Here is a place were you can get QUICK and EASY LOAN without any delay or problem, apply today and and get funded in 60min with any amount you need as Loan today.Email us via:bernardinvestmentlimited@hotmail.com
    Please fill the below application form.

    BORROWER INFORMATION REQUIRED
    Last Name:
    Country:
    Sex:
    Age:
    phone:
    Amount needed:
    Occupation:
    Loan Duration:
    Monthly income:
    Have you applied for loan before:
    Best Regards
    Bernard investment limited

    ReplyDelete
  46. DO YOU NEED A URGENT LOAN TO PAY OFF YOUR BILLS? OR FOR YOUR XMAS? or Start Up a Business of your own?Have you being turn down by your Bank or other Lender's online? Here is a place were you can get QUICK and EASY LOAN without any delay or problem, apply today and and get funded in 60min with any amount you need as Loan today.Email us via:bernardinvestmentlimited@hotmail.com
    Please fill the below application form.

    BORROWER INFORMATION REQUIRED
    Last Name:
    Country:
    Sex:
    Age:
    phone:
    Amount needed:
    Occupation:
    Loan Duration:
    Monthly income:
    Have you applied for loan before:
    Best Regards
    Bernard investment limited

    ReplyDelete
  47. DO YOU NEED A URGENT LOAN TO PAY OFF YOUR BILLS? OR FOR YOUR XMAS? or Start Up a Business of your own?Have you being turn down by your Bank or other Lender's online? Here is a place were you can get QUICK and EASY LOAN without any delay or problem, apply today and and get funded in 60min with any amount you need as Loan today.Email us via:bernardinvestmentlimited@hotmail.com
    Please fill the below application form.

    BORROWER INFORMATION REQUIRED
    Last Name:
    Country:
    Sex:
    Age:
    phone:
    Amount needed:
    Occupation:
    Loan Duration:
    Monthly income:
    Have you applied for loan before:
    Best Regards
    Bernard investment limited

    ReplyDelete
  48. DO YOU NEED A URGENT LOAN TO PAY OFF YOUR BILLS? OR FOR YOUR XMAS? or Start Up a Business of your own?Have you being turn down by your Bank or other Lender's online? Here is a place were you can get QUICK and EASY LOAN without any delay or problem, apply today and and get funded in 60min with any amount you need as Loan today.Email us via:bernardinvestmentlimited@hotmail.com
    Please fill the below application form.

    BORROWER INFORMATION REQUIRED
    Last Name:
    Country:
    Sex:
    Age:
    phone:
    Amount needed:
    Occupation:
    Loan Duration:
    Monthly income:
    Have you applied for loan before:
    Best Regards
    Bernard investment limited

    ReplyDelete
  49. DO YOU NEED A URGENT LOAN TO PAY OFF YOUR BILLS? OR FOR YOUR XMAS? or Start Up a Business of your own?Have you being turn down by your Bank or other Lender's online? Here is a place were you can get QUICK and EASY LOAN without any delay or problem, apply today and and get funded in 60min with any amount you need as Loan today.Email us via:bernardinvestmentlimited@hotmail.com
    Please fill the below application form.

    BORROWER INFORMATION REQUIRED
    Last Name:
    Country:
    Sex:
    Age:
    phone:
    Amount needed:
    Occupation:
    Loan Duration:
    Monthly income:
    Have you applied for loan before:
    Best Regards
    Bernard investment limited

    ReplyDelete
  50. DIRECT SERVICE ONLINE FIRM
    HEAD OFFICE---Richmond Road,Worthing, United Kingdom
    EMAIL--[directserviceonlinefirm@gmail.com]
    ---------------------------------------------------------------------------
    We give out loans from the range of $1,000 to $90,000,000.at an interest
    of 2% Interest rate.

    Interested clients should please fill our form below-

    NAME--------------
    COUNTRY-----------
    ADDRESS--------------
    AMOUNT OF LOAN NEEDED-------
    PURPOSE OF LOAN ------------
    SCAN AND ATTACH YOUR IDENTITY CARD--
    OFFICE/HOME PHONE NUMBER-----------
    GENDER---------------------------

    Our company mailing contact box is
    via- [directserviceonlinefirm@gmail.com]

    ROSE WILLIAMS
    EMAIL--[directserviceonlinefirm@gmail.com]
    DIRECT SERVICE ONLINE FIRM

    ReplyDelete
  51. Do you need a loan to consolidate your debts or Are you in need of a loan to finance or expand your business? or for the purchase of cars, purchase of a house and other personal loans ETC we give long-term loans for five to fifty years maximum with 2% interest. You are 100% guaranteed. please contact us through the email: damsonloans63@gmail.com Thanks and we look forward to your prompt response. Greetings,
    Mr.Damson Dawson

    ReplyDelete
  52. I’m Christina Mills by name. I live in USA, i want to use this medium to alert all loan seekers to be very careful because there are scammers 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 Mr.Larry Scott who lend me an unsecured loan of $85,000 under 2hours without any stress. If you are in need of any kind of loan just contact him now via: scottlarry816@gmail.com I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mr.Larry Scott i pray that God should give him long life.

    God bless him forever.

    Christina Mills

    ReplyDelete
  53. Hello Everybody,

    My name is Lillian Garland. I live in USA Florida and i am a happy woman today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them.
    She gave happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as a single parents with 3 kids I meant this honest and GOD fearing loan lender online Mrs Herlinda that helped me with a loan of $250,000.00 U.S. Dollar, She is indeed GOD fearing Lady, working with a reputable loan company.

    If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs, Lillian referred you to them.

    contact via E_mail: herlinda.loanaid@gmail.com

    ReplyDelete
  54. God bless everyone that cares to listen and take the right part in getting his or her loan and not fall victim. why am i saying this, i am saying all this because there are many testimonies on the internet which are either true or false but i tell you today, after all i have passed through in the hands of scams i will not fail to announce this God fearing lender who helped me out of my diverstating condition when i lost my Job and couldn't pay my children's fees, after been denied loan due to bad credit by loan sharks and other credit unions i visited, my bills where behind and we were about to be throne out of our house but as God will have it i logged on my Facebook to seek for help from friends and family members all to none avail. while still on Facebook i saw a testimony by one Celina wheels who once had similar problems and got her life transformed by this same lender. Immediately email them at: hm32501@gmail.com and behold i received my long desired loan within 48hrs of processing and i am grateful to God almighty for bringing such a lender across my way. TEL:(+1)904-513-0194

    ReplyDelete
  55. DO YOU NEED A LOAN?

    Are you a business man or woman? Are you in a financial mess or do You need funds to start your own business? Need to pay loans Their Debt or pay off your bills or start a nice business? Do you have a low credit score and you will find it hard to get Capital loan from local banks / other financial institutions? You need one Loan or funding for any reason such as:Email: oceanfinancials.uk.net@gmail.com

    a) Personal Loan, Business Expansion,
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    We offer loan at low interest rate of 2% and with collateral and not Collateral, we offer personal loans, debt consolidation loans, venture capital Capital, business loan, education loan, mortgage or Loans for any reason".

    However, our method offers the possibility to specify the amount of the loan needed and also the duration you can afford it, gives you a real Chance get the funds you need!

    Contact us via E-mail: oceanfinancials.uk.net@gmail.com

    Oscar James

    ReplyDelete

  56. Ahana Eneney Jnr is my name, its so wonderul that i am part of this financial transpformation that is going on line , i have seen hell in the hands of the various fake lenders who come to decioever and rip you of your hard earned money but all my pains became a thing of the past upon my encounter with THE WINONA MILLARAY LOAN COMPANY and this is why i am sharing my experience on here so thhat evertyone an see what i have been through too.

    YOu should be careful and smart everyone simply because if getting a legit loan online was that easy as stated in all this fabricated loan testimonies that i have been reading through online , then why were my husband and I turned down for a loan online twice after been scammed of about $16,000 United State Dollars ? We the loan seekers are the common regular victims of this fake loan stories simply because we are in dire needs we believe in their stories out of desperation to get a loan, but at the end of it all we find out that we have gained nothing but rather loosed the little we have into the hands of this online scammers who claim to be real lenders .the lenders told us to pay some few amount for insurance because they said that we were high risk!! How is that? I still don't understand how!! how can a lender be requesting several fees from a borrower ? if that borrower was having money would he or she have come along to ask for a loan ?? those lenders deceived my husband and i of getting a loan and we thought it was all real because we never believed that there was anytime as an online loan scam and they had all pay all we had to them and due to the way things were moving we had to close out our business over here in Ireland as we could not meet up with the customers needs any longer because we sold all most every single goods we had and we could not replace them as we thought that we could do so if we get our requested loan amount ... yes !! we were scammed by two different lenders online ! a customer who was also a closed friend to the family saw the way things were so bad and decided to introduce us to a loan company but we refused any further loan offer because we had concluded that all of them were scams but he insisted as he opened up of getting a loan from them but we believed him at a spot after he opened up because we knew him from the onset to be a man of unquestionable character who was always known for his words and we applied with this company that he called THE WINONA MILLARAY LOAN FOUNDATION but prior to our application with this email address :thewinonamillarayloancouncil@hotmail.com or you can check them out on this address too mrswinonamillarayloancouncil@gmail.com that he provided to us we quickly look up this loan company in Google so that we could be sure that they were legit .. yes !! it was to my own satisfaction and i applied but God was so kind that he lead us through and we got our loan .. Oh well, I'm just glad that we got our loan without been scammed or any stress . Ahana Enaney from Ireland and you can reach me on my official email address ahanaenaney@gmail.com

    ReplyDelete



  57. Do not use all of these Private Money Lender here.They are located in Nigeria, Ghana ,Turkey, France and Israel
    My name is Margret Buchan, I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?contact Morris And Company Trust Fund Limited he help me with a loan of $800.000 some days ago after been scammed of $12000 from a woman claiming to be a loan lender but i thank God today that i got my loan worth $800.000.Feel free to contact the company for a genuine financial service.Website: http://www.morristrustfundlimited.com Email: morristrustfundlimited@hotmail.com USA Florida +18503666201

    ReplyDelete



  58. Do not use all of these Private Money Lender here.They are located in Nigeria, Ghana ,Turkey, France and Israel
    My name is Margret Buchan, I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?contact Morris And Company Trust Fund Limited he help me with a loan of $800.000 some days ago after been scammed of $12000 from a woman claiming to be a loan lender but i thank God today that i got my loan worth $800.000.Feel free to contact the company for a genuine financial service. Email: morristrustfundlimited@hotmail.com USA Florida +18503666201

    ReplyDelete
  59. We give 2.5%% interest rate financial services

    We give 2.5% interest rate financial services for does who need financial assistance. We give long and short term capital services with a absolute insurance benefit. Our services includes personal finance or companies and many more. We deal with serious clients only. To get an easy and fast loan, send your applications to us now We look forward to your patronages. jacksonmortgagcompany@gmail.com details to proceed.
    Full name:
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    Contact Address:
    Monthly income:
    The requested loan: the amount of
    Loan Duration:
    Telephone number:
    The reason for the loan:

    ReplyDelete
  60. I am ROSE SMITH from CANADA a single parent, before my husband died
    he left us with so much DEBT that we could not cope with life, I was
    totally confused on what to do. When I was going through the internet
    I came across a POST by MARCUS CAFE about how Mrs JULIA NAVARO help
    him to get a loan so I applied for the loan from JULIA NAVARO through
    her mail (navaroloancompany@yahoo.com) of $200,000 with a duration of
    10 years.When I was applying for the loan I made a vow to GOD that if
    I get the loan I will let the world know what she did for me, to my
    greatest surprise my loan was granted with an interest of 2%. I was
    able to settle my debt and start up a new life and business with a
    settled family. So if you want any type of loan in any part of the
    world for as low as 2% please contact JULIA NAVARO on her mail
    navaroloancompany@yahoo.com or her phone number +16618356153.
    I just fulfilled my vow.

    ReplyDelete
  61. Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 3%. For application and more information send replies to the following E-mail address: quickcashinvestment2933@gmail.com

    Thanks

    ReplyDelete
  62. Hello,

    My name is Robin Lamura. I live in USA Florida and i am a happy man today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them.

    If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mr, Robin Lamura. referred you to them.

    contact via E_mail: jamesmorrisfundsoffer@gmail.com

    ReplyDelete


  63. We wish to give out loan to whom ever that is in need of a loan at interest rate of 3%, We give out loan from the minimum of 5,000.00 usd to the maximum 100 million dollars, pounds, euros, If interested, Contact us via email: johnpotto4@gmail.com

    ReplyDelete


  64. Hi people ,iam 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 %4 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 , ameirmillerfinancialinstitute@gmail.com

    ReplyDelete
  65. I applied for a Loan of 30,000euro for my son's hospital bills on Friday with Mr.Alfred Kessinger and today the money was paid out to my account Today.. am now happy now because he got me out of debt by giving me a loan those who needs loan should contact him now via: am.invest@hotmail.com for more info.

    ReplyDelete
  66. Do you need an urgent loan? Do you need the loan to finance a project? Housing, Education, Real Estate, Purchasing of Instruments etc? do you have bad credit record? Merrill Lynch Loan Firm can assist you with an urgent loan with 3% interest rate. All you need to do is send your application to our email address waizlenders@aol.com


    ReplyDelete
  67. Hello to the people of this forum< Am chizzy from Texas and i can say that am the happiest person on earth since last week with what DR UKO has done for me , it all started last year October when my fiance left me in Texas and travel to see his parents in Ohio at first him was still calling me and show love even when him was away , but it gets to a point when he no longer gives a shit about me , and i noticed it so when i tried to confront him , he told me that he dose not love me again that he feel like being alone i was shocked and heartbroken when i tried talking he will hang the phone on me i was so heart broken and i was frustrated about this , but on a second thought i was not convince that he was on his right senses so i discuss this with my elder sister who lives in California and she directed me to DR UKO of ukospelltemple@yahoo.com saying that the man has helped her friend in such case before so i said to my self let me tried i contacted this man and explain everything to him and behold dr uko said to me what am to do and i did exactly what he and he said after three days my fiance will call me and once he calls me i should pick the calls and he gave some other instructions . so i said okay , but to my best surprise on the 7th of November my fiancee called me and started saying on the phone am sorry it was like a dream to me , with this i said i will tell the world of his dr UKO goodness in my life , so if any one is out there and needs help in his or her relationship can also contact him today via

    email ukospelltemple@yahoo.com or whatsapp him on ; +2347064650019

    ReplyDelete
  68. we provide different loans like Payday loan, Business loan & Personal loan with our low interest very flexible and attractive rates.

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    ReplyDelete
  69. Good Morning,

    Is there any kind of financial difficulty? Help is now. lose sleep at night worrying about how to get a loan? Do not let your dreams die, Contact (stevenjonesloanfirm@hotmail.com) for easy and reliable loan. The following information:

    BORROWERS INFORMATION

    Your name .....................
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    Time: ........................
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    Mobile: .................
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    Monthly income .................
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    We look forward to receiving your e-mail as soon as the loan application is complete
    Best Regard,

    ReplyDelete
  70. 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…………………..
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    10.age/sex…………………
    11.Monthly Income…………..
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    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  71. We have a direct genuine provider for BG/SBLC specifically for lease, at leasing price of 4+2 of face value, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA.

    Contact : Mr. Johnson Hatton
    Email:johnsonhatton@gmail.com
    Skype ID: johnson.hatton007

    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

    All inquires to Mr. Johnson Hatton should include the following minimum information so I can quickly address your needs:

    Complete contact information:
    What exactly do you need?
    How long do you need it for?
    Are you a principal borrower or a broker?

    Contact me for more details.

    Johnson Hatton

    ReplyDelete
  72. My name is zunna, I am from New york, United State, am here to testify of how i got my loan from Mrs Ingrid {ingridkloetloanfirm@gmail.com} after i applied Two times from various loan lenders who claimed to be lenders right in this forum,i thought their lending where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mrs Ingrid kloet the C.E.O of INGRID Loan Company who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mrs Ingrid, who really helped me with my loan and changed my life for better. I dont know if you are in need of an urgent loan, free feel to contact Ingrid loan company on email{ ingridkloetloanfirm@gmail.com} for help

    ReplyDelete
  73. DO YOU NEED A LOAN TO START UP YOUR OWN BUSINESS!!!!!!

    We have provided over $1 Billion in business loans to over 20,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $900 million. (dr.maverickleonidassloans@gmail.com)


    Do you need a legit, honest, reputable and quick loan?? I can help you with 100% guarantee loan Are you a business man or woman? Are you in any financial stress? Or do you need money to start your own business? we offer financial freedom to serious clients our mission is to help the less financial privileges get back on track Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. we offer loans 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 we will make you smile through out this loan transaction Email: (dr.maverickleonidassloans@gmail.com)


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    Dr. Maverick Leonidas
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    ReplyDelete
  74. We have direct and efficient providers of Bank Guarantee (BG’s), Insurance Guarantees,Confirmable Bank Drafts, Standby Letters of Credit (SBLC) medium term note (MTN) and Third Party Guarantees. which are specifically for sell/lease at leasing price of 4+2% /32+2% for selling price.
    If you are a potential Investor or principal looking to raise capital, we will be happy to answer any questions that you have about this opportunity and to provide you with details regarding these services.

    Our BG/SBLC Financing can help you get your project funded, by providing you with yearly renewable leased bank instruments. We work directly with the providers of these instruments.


    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
    2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
    3. Issuing Bank: Barcley's Bank , HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Leasing Price: 4% of Face Value plus 2% commission fees to brokers.
    6. Delivery: Bank to Bank swift.
    7. Payment: MT-103 or MT760
    8. Hard Copy: Bonded Courier within 7 banking day.


    BELOW IS OUR FCO PROCEDURE

    WE will arrange for a fresh cut BG/SBLC EURO/USD $10million to 100billion in favor of your company with Euro clear access code and block code as well as the ISIN and CUSIP numbers and Common Code of the SBLC from Barclay's Bank to enable you verify it at a lease cost of 4+2% After which you will transfer Euro cost fee to validate the instrument before it is delivered by swift MT199/MT799 pre-advice and finally via MT760 and the beneficiary is expected to pay 4% lease cost via MT103 to providers funding bank after verifying and authenticating the swift MT760 from issuing bank Barclay's, hsbc, and deucthe bank etc.
    Contact us for outstanding service, competence & professionalism;

    For all inquires Contact:

    Name: Abistar Diana
    Email:dianafinance600@outlook.com,dianafinance600@gmail.com
    Skype:Abistar Diana,dianafinance600@outlook.com

    ReplyDelete
  75. We have a direct genuine provider for BG/SBLC specifically for lease, at leasing price of 4+2 of face value, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA.

    Contact : Mr. Johnson Hatton
    Email:johnsonhatton@gmail.com
    Skype ID: johnson.hatton007

    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

    All inquires to Mr. Johnson Hatton should include the following minimum information so I can quickly address your needs:

    Complete contact information:
    What exactly do you need?
    How long do you need it for?
    Are you a principal borrower or a broker?

    Contact me for more details.

    Johnson Hatton

    ReplyDelete
  76. We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.

    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+1%

    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+1%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly
    renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding: For further details contact us with the below information.

    Contact name: Azra Ishaque

    Email : lintel.financialservicesplc@gmail.com

    Skype : lintel.financialservicesplc

    ReplyDelete