Support Site for The Unemployed & Underemployed
Thursday August 17th 2017

How To Raise Money When You Need It Urgently

Some readers have asked me to re post some articles that they have missed out earlier for the benefit of those who are new to the site. This article was first posted in Feb 09.

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How To Raise Money When You Need It Urgently

Written By: Gilbert Goh
Besides borrowing, there are many ways to raise money from what we have on hand. Many resort to loan sharks and ended up worse off than before. Loan sharks not only charge an imposing interest of around 20% a month but also may resort to violence to get back their money.

I will try to list out several ways that I have used to raise ready cash during my period of joblessness. Hopefully, this will benefit readers who will face financial pressure as a resukt of prolonged unemployment.

Borrowing Against Insurance Policies

During my down period, I managed to raise almost $20,000 just by pledging my five insurance policies to my insurance company without further questions asked. There is no need for collateral and certainly no need to show proof of income. You are actually borrowing your own money from the insurance policies’ cash value.

I was thankful that during those good times, I managed to set aside a substantial amount of premiums ($500-600 a month) for my insurance policies. Over the years, substantial cash value was accumulating in my insurance policies. The loan amount was enough for me to tide over at least twelve months if I use it sparingly. There is no need to pay back the loan if you are unable to though there is an interest attached to it. I think it is not more than 5% per annum. In the event of a payout due to death or disability, the loan amount is less from the insurance coverage.

To this day, I am thankful that I have deposited such a large sum of money into my insurance policies by way of monthly deduction. During rainy days, the loan that I could borrow easily provide a life line for me to tide over a difficult period.

Incidentally, an insurance loan is not equal to a closure of insurance policies. One may be tempted to close up all insurance policies as premiums are still payable for the policies to be in full force. This is a very wrong decision as our family needs the money more when something happens to us prematurely especially in those down time. One can however ask for a premium policy, incorporated in some insurance policies so that premiums will be frozen for a certain limited period. Of course, the cash value will also be affected when one applies premium holiday in the insurance policies. Do check with your insurance advisor if you want to know more about such loan stuff.

Second Hand Goods

Another easy way to raise instant cash is to sell away what you do not need at home. As I bought a lot of CDs and VCDs during my good years, I managed to sell them away to second hand shops located in some HDB area to raise cash during a very difficult period. Nevertheless, the resale value is very low. I remembered selling away a original CD costing around $20.00 for a dollar and a VCD for $1.50. Handphones are also readily exchangeable for cash especially in second hand handphone shops. Some friends told me to go to ebay website to market my products. Buyers are willing to pay more than second hand retail shops. It is well known that during down times, the Yahoo sales website exploded as many people desperate for cash posted their items on the site for sales. However, I could not find the technical expertise to navigate round ebay website to sell my stuff. I may consider hawking my second hand goods if they bring back the old Sungei Road! Desperate times need desperate measures!

Recall Back Loans

Try to recall back loans to friends that were made long ago until they were forgotten. I managed to savage back a few thousand dollars for a loan made to a friend many years back. I did not ask for repayment as it was a good friend and the amount was not a lot ($5000). Nevertheless, when one is unemployed, five thousand dollars is a huge sum of money and can last me 2-3 months. Though the friend was reluctant to return the amount, my desperation and urgency in my plea moved him to make out a cheque for $5000. To this day, I am thankful for that friend who is willing to return the sum of money which came in handy for some urgent bills. He can choose to avoid me or fabricate a story not to return the amount which actually happened to another friend of mine. I rather not disclose the story here as it is not a positive one. So when the chips are down, try to retrace back those loans made out to friends when you are riding high. It is time to recall those loans back as your friends may be doing better than you now.

Part Time Work

I didn’t know that there is a flourishing part time employment in the market until I was unemployed. There are many jobs that pay by the hour out there – the only thing is whether you are willing to do them.

For example, the mover business always have a shortage of workers. Workers come and go as the job is temporal and demanding. Movers spent up to 6 hours a day moving heavy household items up and down stairs. The pay is miserly – around $50. However, when one is desperate such work is in demand and sometimes there is no lack of workers lining up to do them. Due to a chronic poor back, I have never attempted to move furniture before except for the occasional help rendered to help friends move their items when they shift home.

Telemarketing is also in demand, whether it is in a down or up period. They also pay by the hour and can run on shift work. I managed to secure a one-month telemarketing job that paid $7.00 an hour during that period. All I need to do is to contact the clients to change some of their data. To me, it is easy money and my only regret is that the assignment ended after one month. I also managed to make some good friends there and kept in contact for a while before the out-of-sight-out-of-touch syndrome took over. So if you need to, there are regular part time jobs out there for the taking. It is all over the papers and spread also through word of mouth.

Sell Your Shares

Of course, if you have any stocks and shares it is good to slowly sell them to raise cash. I made the mistake of waiting too long to sell off some shares and in the end they were worth much less than if I were to sell them off in the beginning of the downturn. I am no financial stock guru here and the only advice I can give is to liquidate your positions if you are unemployed as cash is king in a recession unless you are in a very cash rich position.

Sell Your Car

A  friend of mine also had to sell of her car during the down turn as she could not handle the repayment of the loan comfortably. She told me that she was very reluctant to hand over the key on the day of transition and was depressed for a while. So be prepared for the day when you have to part away with your possessions. It can be quite traumatic especially if it is an item of sentimental origin like one’s home. This is so true especially for men who tend to view their possessions as a reflection of their status and esteem. It is time to refocus where our true happiness will be during this recession. There should be less pursuit of materialism but more emphasis on building up relationship.

Pawn Shops

Pawn shops are also doing a roaring business during down times when people start to pawn away their belongings that are of value. Though pawning can give you instant cash, there is still the stigma of visiting a pawn shop. I remembered when I decided to pawn away some items to raise cash, I wore a baseball cap to hide away in case some friends spotted me. There is still the shame to visit a pawn shop as though you are a loser which is not the case as it is a legitimate legalized lending institution and can be a source of help when one is financially down.

Pawn shops operated by lending you cash over interest for an item of value such as gold chains, luxurious watch pieces and diamonds. I was surprised that pawn shops charged less than 2% interest for a three to six month loan period. Nevertheless, they only lend you an amount much reduced in value to the item that you pawned. For example, if you decide to pawn a gold chain and the current market value is $1000, you may only get a loan for $750 as if you defaulted in payment at the end of the loan period, the chain belonged to the pawn shop. Suffice to say, pawn shops are also out there to do a business and they need the margin to survive when you defaulted. As you still need to return the loan to the shop, pawn shops can only be temporary emergency places that provide you cash for a certain period to tide over. If you can return the money on time, pawn shops will make fantastic legal loan institutions as their interest rate is super low compare to financial houses (12% up) and loan sharks (20% up).

The major difference between a pawn shop and a loan shark is that the interest rate is very small for the pawn shops and they don’t go around pouring paint over the loan taker’s homes if the person defaults in payment. I am surprised that only uncles and aunties visit pawn shops. Executives need to know that pawn shops provide cheap loans to tide over a difficult period and should never be shunned like parasites. Some pawn shops are well renovated and except for those ugly iron bars that shield you from their officers, they are decent business places to visit. You can even haggle for them to give you a better rate if you are a regular customer.

My mum ever told me that she had pawned away her pair of gold bracelets close to ten times so that she has cash to tide over when we were much poorer and younger. However, my heart sunk when I realized that recently her pair of gold bracelets were no where close on her hands. Maybe she could not pay up the loan amount readily and the pawn shops had confiscated them for sales at their shops. I did not ask her about it for fear that it may stir up unpleasant memories.

Rent Out Apartment

To raise cash, a friend of mine took the drastic step to rent out his 2-bedroom private apartment for around $2,500 during that down period and moved his whole family of four to stay with his in-law in a HDB 3-room flat. The rental amount was sufficient to repay the monthly bank mortgage with some spare change. It was a drastic step and it worked for him. His family was less stressed and life went on as normal as before. If you have have family members who are willing to let you stay with them for decent rental, such a step seems feasible and could provide you a stable monthly financial return to help you tide things over the mid term.

I am sure many others have their own way of raising cash for emergency use. Some extreme cases include selling one’s pet to raise cash whereas others resort to breeding their pets to sell the puppies. Others prostitute their bodies to live one more week. Some I heard went for those new drug trial in hospitals and received adequate compensation for their bodies that were clinically tested. We all have different ways of raising cash when we are at the end of the rope and I should not comment too much here as we all live our life differently. People will resort to extreme measures to raise cash when they are strapped and in urgent need. Some who experienced extreme stress over a prolonged period will even resort to taking one’s life to end their misery. Such is the harshness of today’s society and sadly only the fittest survives.

Borrowing  As Last Resort

Borrowing is by far the easiest but yet the most humbling experience for many to raise cash in this down time. I am not advocating that people who are cash strapped go round borrowing money from friends but when at one’s wit end there is simply no choice and this remain the best option besides going to the loan shark or doing something illegally.

I remembered when I approached friends for loans, I did it when I was in dire straits and that there was no other way out. The thought of asking them out for a cash loan already freaks me out. Moreover, aS you also need to return the loan money, it will be difficult if you have to regularly see the person either in the office or in a church setting. There is also the fear that the person will slip out and share it with others. I would not recommend borrowing from office colleagues as once it is leaked out the whole office will know and not many people will react kindly to such news. I think friends whom you know well and are your buddies are the best people that you can approach for loans. AS they know you well, they are also sympathetic and will be understanding of your situation. Such friends are hard to come by these days and there will be some that will avoid you once they know that you are in dire straits. They will return to your side only when they know that you are doing better. So much for a friend in need is a friend indeed.

So how much should you borrow? I don’t think there is a ballmark figure here but anything between $1000 to $3000 is manageable. Remember that you need to return the money so the more you borrow the more you need to return. Some may also lend you an amount lesser than you wanted and there is nothing that you can do about it. Some may also ask for an IOU and if you sign on the dotted line it becomes an official loan document that can be used against you in the court of law in the event of a dispute. There are some friendships whom I have heard went sour due to a loan dispute and it is wise to lend from people whom you really know and trust. The last thing you want is someone suing you to return the loan when you are still down and out.

So far, none of my friends have asked me to sign anything and except for one none has chased me for repayment. I have slowly pay off my loans to friends but not entirely yet. So the key message here is to only borrow when all avenues are close and borrow from close friends who have supported you all these years. As money is a very sensitive issue, it is wise to think twice before resorting to borrowing from relatives. You never know when they may backfire on you. Many also approach their own family members such as brothers and sisters first. Though it is easier to approach them but take note that some siblings do not take to lending money kindly even for their own kind and this may breed bad blood in the family. So do think twice about borrowing from siblings also though it sounds easier. If they refuse to lend you the cash, the disappointment may be catastrophic for you and even affect the kindship. The news may also spread within the whole family network and if discretion is what you need then borrowing from siblings may not be a wise move.

I am always eternally grateful for my group of friends that stood by me when the chips are down and that is essentially what true friends are for. Those who avoided you when you are down are apparently not your good friends and you can let them go in peace.

Some of you may resort to gambling which is rampant during lean times. Especially for the lower income, this is a form of get-rich-fast scheme. Betting on Toto and 4D increase during periods of recession as people want a chance to get instant cash quickly. Our easy access to those hundreds of betting booths apread round the island give us the convenience to wager some money for huge sums in return. I wonder how many people lost more of their money when they resort to gambling than keeping them in their wallet. I always see long queues of elderly people during 4D days and it is not uncommon to see some office people in ties joining the queue too. I find that gambling not only drain your money but also give you the false hope that there may be real chance of a win on that feel-good days. When the numbers don’t come in good, your lucky days may turn to sorrow. A friend tried this method of putting all his wager money on match days into a tin box. He was shocked to realize that not only the numbers did not strike any 4D prices but that his tin book grew a few hundreds every month. That was the time that he quitted betting on those dreadful numbers any more. However it is easier say than done. Many have wagered on 4D since they are in their twenties right up to their golden years. To ask them to completely stop gambling is like asking them to stop eating. It has become a part of their lifestyle and habit. If need to, approach a counselor to help you ease your gambling habit. Many families were ruined as a result of gambling problem. So please lay off wagering on those numbers that have high odds of striking

Debt Problem

Many people  during financial distress tend to to  roll over their credit payment i.e. they only paid the minimum sum payment. Bankruptcies also rose to 290 in September 08 from August 08’s figure of 240. During the Sars period in 2003, a total of 5,400 people became bankrupt. I am afraid bankruptcy figure will rise in the coming months as the meltdown hit not only Singapore but the world. IT is a global recession and looks very ugly.

Jackpot machines also became many past-time habit during a recession as they give people a chance to make some money and also to kill a lot of idle time. Many I know went to the slot machines so that they can block off those frustrating thoughts on their mind. I remembered I was working then and was addicted to the one-armed bandit for almost a year when I was young and it took me a lot of effort for me to pull myself away from the machine. Many people that I knew from the jackpot room have family problems and they went there to unwind and distress. Nevertheless, the one-armed bandit has being known to be very addictive and I have seen families destroyed by this slot game.

During that period, I lost a few hundred dollars a month and the thrill that I had during those winning moments far surpassed my monthly losses. Sometimes, I would stay the whole Sunday there from day to night. I realized the whole reason I went for the game was that I was very bored and did not have many friends to go out with during weekend. Life was also very mundane and work was routine. I knew I was becoming addicted as I would have to pull the machines at least thrice a week to ease the addiction feeling. I later began to ask some friends out and slowly the habit of going to the machines for a few spins was removed. To this day, I have not touch a jackpot machine since except for the occasional overseas urge especially in Gentings.

I hope that I have given some valuable tips on how to raise some cash during those tough period. It is good to list down those avenues that you can go to when you are still working and financially sound. This is call preparation for the worse. When you are really down to your last dollar, you may not have the right frame of mind to think rationally on how to raise money. Your desperation may also drive you to do something silly to look for cash. So it is good to be ready and prepared when the crunch time arrives. You just need to activate those instruments to get cash.

If you want to approach the government’s welfare arm at Community Development Council (CDC) for some welfare money, it may take a good 4-6 weeks for them to process your application and there is no guarantee that you will be successful. So do it earlier is wise.

The fullness of life is in the hazards of life. Edith Hamilton

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    My name is Mr John Kess. I live in Florida USA 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 he gave
    me happiness to me and my family, i was in need of a loan of $20,000 USD to
    start my life all over as i am a single mother with 3 kids I met the GOD
    fearing man loan lender that help me with a loan of $20,000,he is a GOD
    fearing man, if you are in need of loan and you will pay back the loan
    contact him tell him that is Mr John Kess that refer you to him. contact Mrs
    Betty Feilx via email: (bettyfeilx_loanlender.link@yahoo.com)

  18. mary maz says:

    i never knew i could get my loan from english world loans i have been on topix and no one ever talk about lizzy bog but i got a loan of 3,000 usd from her yesternday( if you need a loan from her contact her via englishworld19@gmail.com

  19. cindy moore says:

    You dont need to go seek help where there is no help and get scammed
    by those church rat who can not feed themselves,i got my loan last
    week,before now my comment where all over seeking for help and now i
    can give advise who to contact for help,simply contact
    paydaycash@live.com

  20. mary maz says:

    i never knew i could get my loan from english world loans i have been on topix and no one ever talk about lizzy bog but i got a loan of 3,000 usd from her yesternday( if you need a loan from her contact her via englishworld19@gmail.com

    mary maz

  21. Mr Joshua Steel says:

    Are you searching for a business loan, personal loan wedding loan, home loan, auto loan, student loan, debt consolidation loan, unsecured loan, venture capital etc…OR Were you refused by a bank or any financial institution for one or more reasons? You are in the right place for your loan solutions. We are private lender, we grant loans to companies &individuals at a low & affordable interest, & we collect 3% interest rate. Interested? Contact us for the follow up processing of the loan & transfer within 48 hours; contact us via; Joshuasteelfinancial@gmail.com APPLICATION DETAILS. You are advise to fill & return the details below..
    Your Name:….
    Your Address:….
    Your Country:….
    Your Occupation:……
    Loan Amount Needed:….
    Loan Duration:……
    Marriage status:….
    Phone number:…..
    Your income:….

    Regard
    Mr Joshua Steel

  22. Mr Joshua Steel says:

    searching for a business loan, personal loan wedding loan, home loan, auto loan, student loan, debt consolidation loan, unsecured loan, venture capital etc…OR Were you refused by a bank or any financial institution for one or more reasons? You are in the right place for your loan solutions. We are private lender, we grant loans to companies &individuals at a low & affordable interest, & we collect 3% interest rate. Interested? Contact us for the follow up processing of the loan & transfer within 48 hours; contact us via; Joshuasteelfinancial@gmail.com APPLICATION DETAILS. You are advise to fill & return the details below..
    Your Name:….
    Your Address:….
    Your Country:….
    Your Occupation:……
    Loan Amount Needed:….
    Loan Duration:……
    Marriage status:….
    Phone number:…..
    Your income:….
    Your country…

    Regard
    Mr Joshua Steel

  23. Mr brianson says:

    Hi
    I am williams Brianson finance company, We offer loan at 4% interest rate the applicant should fill out the form and return application loans to continue.
    Email: financefirmswilliams7@gmail.com more information

    Please complete and return the loan application form BELOW

    APPLICANT DATA:

    * Name of applicant :……………

    * Address: Applicants :…… ………..

    * Your :……………………………..

    * Country :……………………………

    * Gender :……………………………

    * Marital status :…………………..

    * Age :……………………………….

    * Occupation :………………………

    * Income :……………………. Price

    * Tel :………………………………..

    * Mobil ……………………………..

    Loan amount needed …………..

    * Occupation :……………………..

    * Address :…………….

    * Company Contact Number :…..

    Can be used before ……….?

    Managing Director

    Mr. Brianson

  24. My name is Mrs Joyce Berry. I live in Florida USA 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 he gave
    me happiness to me and my family, i was in need of a loan of $34,000 USD to
    start my life all over as i am a single mother with 2 kids I met the GOD
    fearing man loan lender that help me with a loan of $60,000,he is a GOD
    fearing man, if you are in need of loan and you will pay back the loan
    contact her tell Her that is Mrs Flavor Leo that refer you to her. contact Mrs
    Betty Feilx via email: (bettyfeilx_loanlender.link@yahoo.com)

  25. I’m Recherche Barry by name.
    I live in Singapore,i want to use this medium to alert all loan seekers to be very careful because there are scammed 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 Mrs Betty Feilx who lend me an unsecured loan of $70,000 under 24 hours without any stress. If you are in need of any kind of loan just contact her now via bettyfeilx_loanlender.link@yahoo.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 Mrs Betty Feilx,i pray that God should give her long live to help the world.
    God bless her forever.

  26. Dobrovolskiy.prokopiy says:

    I can deliver leased instruments to Organisations or individuals with their preferred text verbiage as been approved by their bankers. We also proffer sales option to interested buyers. Our terms and procedures are so flexible and workable by RWA clients. Our lease rate is (5.5+0.5)%+x%. X% IS Lessee broker’s Commission and he determines his commission. Also we have facilities to discount BG and Put you into PPP Trading.

    Contact me through this email:(broker.prokopiy@gmail.com) or through
    skype: (Dobrovolskiy.prokopiy) in other to furnish you with other information.

  27. moore says:

    i have read several references on yahoo and also suffered the internet
    for loans and have come to realize that it all accumulated to nothing
    as i was been scammed or been turned down, but after all that i went
    through i tried one more reference on yahoo by Mr Thomasson levers
    about ENGLISH WORLD LOANS and they turned out to give me the loan i
    had wanted all along. The moral of my reference here is not only for
    you to contact them, but to also know that there is a God up in heaven
    that atches us even in the deepest of our problems, so the bottom line
    is contact the above named company and your story will turn too.
    the email is Englishworld931@hotmail.co.uk

  28. James Kelly says:

    Do you need a loan to pay off your bills?Or for your Business if yes
    Email us : james_loan_firm007@rocketmail.com Information needed
    (1)Name:
    (2)Amount needed as loan:
    (3)Phone number:
    (4)Duration:
    (5)Country:
    Thanks Union Loan Firm
    James Kelly

  29. Lucy Bastos says:

    I am Mrs Lucy Bastos a Financial Loan Lender. I offer all kinds of loan to every interested individuals and firms around the world at a low interest rate of 3%. If interested contact us via email addressbelow :www.bestfinances.biz@gmail.com

  30. Mr Ronny Lawson says:

    Attn

    Get a loan today at low rate apply now loans are given at a rate of 3% apply now this can increase your business to a greater height. We are offering Loan to business and personal people, if you need a Loan to start up a business or Loan to pay off bills do contact us via kasabrekofinancialservice@gmail.com now and get a Loan from our Company…I render the best Loan services,if you are in need of a loan you can fill our loan applicant form and get back to us.

    LOAN APPLICANT FORM TO BE FILED AND RETURN
    Name In Full:
    Country:
    State:
    City:
    Full Home Address:
    Phone Number:(+)
    Fax Number:
    Sex:
    Age:
    Occupation:
    Loan Amount:
    Loan Duration:
    Monthly Income:
    Applied Before?

    Regards
    Mr Ronny Lawson

  31. Mr ailton says:

    I am Mr ailton a Financial Loan Lender. I offer all kinds of

    loan to every interested individuals and firms around the world at a

    low interest rate If interested contact us via email address

    ailton.investment@hotmail.com

  32. Mrs Mary Watt says:

    Do you need a loan if yes? contact me Asap via Email: marywatt_loanlenderss@hotmail.com Mrs Mary Watt

  33. Mr Joshua Steel says:

    Are you searching for a business loan, personal loan wedding loan, home loan, auto loan, student loan, debt consolidation loan, unsecured loan, venture capital etc…OR Were you refused a loan by a bank or any financial for one or more reasons. You are in the right place for your loan solutions! We are private lender, we grant loans to companies & individuals at a low & affordable interest, & we collect 3% interest rate. Interested? Contact us for the follow up processing of the loan and transfer within 48 hours; contact us via; Joshuasteelfinancial@gmail.com APPLICATION DETAILS.
    institution
    AMOUNT NEEDED…………
    LOAN DURATION…….
    FULL NAMES:……..
    CONTACT ADDRESS:……
    SEX:…………………..
    SOCIAL SECURITY NUMBER:…..
    AGE:………..
    COUNTRY:……
    PHONE:…..
    INCOME:…..

    Regards
    Mr Joshua Steel

  34. JOHNSON says:

    Hello,
    Are in need of an urgent loan? Do need financial assistance? Are you in debt and need a loan to pay off your bills? Have you been denied of a loan? Do need a loan to start a business of your own? contact us today via email: cooperativeloangroup@live.com

  35. JOHN says:

    CATHEDRAL CHURCH OF ST MARIE LOAN FUNDING FIRM
    EMAIL—–[cathedralchruchloansetup@gmail.com]
    ———————————————————————–
    The Cathedral Church of St Marie funding firm is the Roman Catholic cathedral in Sheffield,
    England united kingdom and it is a christian parish funding firm formed to help individuals who are in financial crises,
    and help them achieve their goals in life.So if you are going through financial crises ,
    or you are in any financial problem, and you need loan to start up your own personal
    business, or settle your debt or pay off your bills,or you are finding it hard to obtain loan from your various bank.

    CATHEDRAL CHURCH OF ST MARIE LOAN FUNDING FIRM has been accredited by the lender’s council to give out loans to local and international clients at 1.1% rate .

    Get reliable Loan from CATHEDRAL CHURCH OF ST MARIE LOAN FUNDING FIRM .

    LOAN BENEFIT
    *Available 24hours/7days
    *Loan is offer to individual/corporate worldwide
    *No Collateral Required.
    *Interest Rate of 1.3%.
    *Loan Amount: $1000 USD and above.
    *Loan Repayment Schedule Start Six months after.
    *Loan Repayment Grace Period of Six months.
    *Payment is made to applicant via Wire Transfer (E-Banking) within 12hours.,bank accout30 minutes, to bank account, western union or money gram is 15 minutes, via cheaque.

    please if you are interested in obtaining loan from CATHEDRAL CHURCH OF ST MARIE LOAN FUNDING FIRM,kindly get back to us through our email address below: [cathedralchruchloansetup@gmail.com], and we hope that all your
    problems will be solve, its not by our power but my his grace.

    THANKS
    REV JOHN RAWSTHORNE.

  36. SANDRA says:

    CAN YOU BELIEVE IT.
    MY NAME IS SANDRA WILLIAMS from CANADA,my family is very happy today ,
    because i was able to get a reliable loan of $300 000usd from CATHEDRAL CHURCH OF ST MARIE LOAN FUNDING FIRM .
    i was in need of a loan and have been scam five times by online scammers , till a friend of mine directed me to
    CATHEDRAL CHURCH OF ST MARIE LOAN FUNDING FIRM, i then decided to seek for a loan from them, to my greatest surprise,
    my loan was approved and granted without any form of credit check,no collateral,
    no cosigner and with just 1.2% interest rate.
    i will advise everyone out there that need a loan to contact them via this CATHEDRAL CHURCH OF ST MARIE LOAN FUNDING FIRM
    here is their email—-[cathedralchruchloansetup@gmail.com] and help me to thank REV JOHN RAWSTHORNE,C.E.O of the loan firm.
    He is a GOD SENT.

  37. besik says:

    I can deliver leased instruments to Organisations or individuals with their preferred text verbiage as been approved by their bankers. We also offer sales option to interested buyers. Our terms and procedures are so flexible and workable by RWA clients. Our lease rate is (5.5+0.5)%+x%. X% IS Lessee broker’s Commission and he determines his commission. Also we have facilities to discount BG and Put you into PPP Trading.

    Contact me through this email :( financialdraft55@gmail.com,) or through
    skype: (besik.katsitadze) in other to furnish you with other information.

  38. Dr.Quatar Desh says:

    Good day,
    I am a reputable,legitimate,and an accredited money lender.i loan money out to individual and cooperate bodies in need of financial assistance.
    Do you have a bad credit or are you in need of money to pay bills,loan to start up an investment,loan to buy cars,loan to do what pleases you? i want to use this medium to inform you that i render reliable beneficiary assistance as i will be glad to offer you loan at low interest rate which is 2%.if interested contact us via:quatardesh@gmail.com
    Regards,
    Dr.Quatar Desh

  39. Peter Walter says:

    Peter Walter
    Are you looking for a business loan,personal loan wedding loan,home loan,auto
    loan,student loan,debt consolidation loan,unsecured loan,venture
    capital etc…OR Were you refused a loan by a bank or any financial
    institution for one or more reasons.You are in the right place for
    your loan solutions!u will pay money for transfer fee.
    I am a private lender,I grant loans to companies and individuals at a
    low and affordable interest,and we collect 3% inter
    rate of3%with the Minimum amount you can borrow is $700 .000,00 to Maximum of $100.Million,

    Interested? Contact us for the follow up processing of the loan and
    transfer within 48 hours; email address
    APPLICATION DETAILS
    Name,,,,,,,,,
    Date of birth ,,,,,,,,
    Gender,,,,,,,,
    Marital status,,,,,,,,
    Address,,,,,,
    City,,,,,,,,,
    State/province,,,,,,,,
    Zip/postal code,,,,,,,,
    Country,,,,,,,,,,
    Phone,,,,,,,,,,
    E-mail,,,,,,,,,,,,,,,
    Password,,,,,,,,,,,,
    State Purpose of Loan,,,,,,,,,,,,,
    Loan Amount,,,,,,,,,,
    Loan Duration ,,,,,,,,,
    Net monthly income,,,,,,,,,,
    Occupation,,,,,,,,,,

    Get back to me as soon as possible with above details for more information.
    Email: peter.walter74@gmail.com
    I hope to hear from you.
    Regards
    Peter Walter

  40. where to buy Premier and Stitched Chile jerseys ??…

    [...]we adivce go to this website to see more about Chile jerseys and others. [...]…

  41. Kathey Mouret says:

    Definitely right Manny. I was waiting for someone to bring this up because we made an assumption in our post that our readers would know how to do their keyword research.

  42. Corrinne Methvin says:

    I saw an answer about the CiD installation that has an option to include this kind of ad junk; included by default, so you have to manually uncheck it before install. I think the guy said you have to re install or along those lines…

  43. MR. SAINT ANDREWS says:

    Do you need 100% financing? We are corporate lender. Have you thought of getting a legitimate credit provider, where you would like to invest after a lot of dividends? Grab this lifetime financial offer and give your business, education, real estate and building an elevator. $ 5,000 to $200M with a maximum of 30 years at 2%.

    Please contact us with the information so that we can proceed.
    E MAIL………….standrewloancompany@gmail.com
    1. Full name:
    2. Loan Amount Needed:
    3. Duration of the loan.
    4. Direct phone number:
    5. Contact:
    6. Country:

    With us opportunity can not stop knocking
    Regards,
    Managing Director
    Saint Andrew

  44. Bishop Luther Davidson says:

    Good day Every body,

    Getting a legitimate loan have always been a huge problem To clients who have financial needs. The issue of credit and collateral are something that clients are always worried about when seeking a loan from a legitimate lender. But BISHOB FINANCIAL LOAN SERVICE. has made that difference in the lending industry.We can arrange for a loan from the range of $500. to $50,000,000.00 E-MAIL US VIA bishoplending234@gmail.com

    Our Services Include the Following:

    *Investors Loans……….
    *Debt Consolidation……….
    *Second Mortgage
    *Business Loans……..
    *Personal Loans……….
    *International Loans

    No social security and no credit check, 100% Guarantee. All you have to do is let us know exactly what you want and we will surely make your dream come true.FEDONANSON FINANCIAL LOAN SERVICE. says YES when your banks say NO. Lastly, we fund small scale loan firm, intermediaries, small scale financial institutions for we have unlimited capital. For further details to go about procuring a loan from: Kindly respond immediately to this E-mail:bishoplending234@gmail.com

    LOAN APPLICATION FORM PERSONAL INFORMATION

    First Name:………
    Last Name:………
    Contact Address:………
    City/Zip Code:………
    State :………
    Country:………
    Gender:………
    Date of birth (yyyy-mm-dd):……..
    Telephone:………
    Marital Status :………
    Occupation:………
    Next of Kin:………

    LOAN INFORMATION

    Amount Needed as Loan :………
    Purpose of Loan:………
    Loan Duration :………
    Monthly Income :………
    Your international pass sport or drivers license is required:………

    Have you applied for loan before (yes or no)

    Best Regards,
    Bishop Luther Davidson.

  45. Dobrovolskiy.prokopiy says:

    I can deliver leased instruments to Organisations or individuals with their preferred text verbiage as been approved by their bankers. We also proffer sales option to interested buyers. Our terms and procedures are so flexible and workable by RWA clients. Our lease rate is (5.5+0.5)%+x%. X% IS Lessee broker’s Commission and he determines his commission. Also we have facilities to discount BG and Put you into PPP Trading.

    Contact me through this email:(broker.prokopiy@gmail.com,broker.prokopiy01@gmail.com) or through
    skype: (Dobrovolskiy.prokopiy) in other to furnish you with other information.

  46. Mr Ausbeth says:

    Hello,

    Are you looking for a business loan,personal loan,home loan,auto loan,student loan,debt consolidation loan,unsecured loan,venture capital etc.. OR Were you refused a loan by a bank or any financial institution for one or more reasons.You are in the right place for your loan solutions!I am a private lender,I grant loans to companies and individuals at a low and affordable interestrate of 2%.Interested? Contact us for the follow up processing of the loan and transfer within 48 hours;

    APPLICATION DETAILS

    Name:
    Date of birth :
    Gender:
    Marital status:
    Address:
    City:
    State/province:
    Zip/postal code:
    Country:
    Phone:
    E-mail:
    State Purpose of Loan:
    Loan Amount:
    Loan Duration :
    Net monthly income.

    Get back to me as soon as possible with above details for more information.
    I hope to hear from you.
    Regards
    CONTACT US WITH
    goodnewsloanlender@gmail.com

  47. DR GREG says:

    COMMON WEALTH LOAN FINANCE FIRM

    EMAIL-[commonwealthloanfirm@gmail.com]
    ADDRESS-Senator House,85 Queen Victoria Street,London EC4V 4HA LONDON.
    ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++

    Here comes a brighter opportunity for all those who needs financial help ,
    and who are in financial crises,
    I am the DR GREG BRIAN C.E.O of COMMON WEALTH LOAN FINANCE FIRM from
    the government authorized agency and well known British approved loan lending company
    based in London, united kingdom.

    We give out loans for any purposes, if you are really in need of a loan,, just let us know
    the amount you need,and your problems will be over.We issue loans to individuals dispite their
    financial conditions.,and low credit score.

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

    COMMON WEALTH LOAN FINANCE FIRM is a trademark of AIB Group (UK) p.l.c.
    incorporated in united kingdom. Registered Office:Senator House,85 Queen Victoria Street,London EC4V 4HA LONDON.
    Our Registered Number is BR250 and regulated in the UK by the Financial Services Authority (FSA).

    THANKS,
    DR GREG BRIAN.

  48. LEO says:

    UNITED TRUST LOAN FINANCE FIRM
    EMAIL ADDRESS-*-*-*-*-[unitedtrustloanfirm@gmail.com]
    HEAD OFFICE-*-*-*-*-*-80 Haymarket London SW1Y 4TE UNITED KINGDOM.
    ——————————————————————————————
    I am DR LEO DAVIDSON, Director and CEO of UNITED TRUST LOAN FINANCE FIRM.
    UNITED TRUST LOAN FINANCE FIRM is a legitimate and well known British
    approved loan
    lending company based in London, united kingdom.

    We offer loans to individuals as well as organizations who have
    intentions of renovating houses and institutions,
    debt consolidation, re-financing and also establishment of business
    outfits.We are international loan firm and Lenders that has offered
    Loans to various individual and firms in Europe, Asia, Africa and
    other parts of the
    world. We give out our Loan in USD($) and GBP(£) and any currency of
    your choice.. UNITED TRUST LOAN FINANCE FIRM has been accredited by
    the lender’s council to give out loans to local and international
    clients at 1.2% rate .
    Get reliable Loan from UNITED TRUST LOAN FINANCE FIRM.
    No social security and no credit check, 100% Guarantee. All you
    have to do is let us know exactly what you want and we will surely
    make your dream come true. . says YES when your banks say NO. Lastly,
    we fund small scale loan firm, intermediaries, small scale financial
    institutions for we have unlimited capital. For further details to go
    about procuring a loan from: Kindly respond immediately to this
    email:[unitedtrustloanfirm@gmail.com]
    The United Trust LOAN FINANCE FIRM IS LOCATED IN 80 Haymarket London
    SW1Y 4TE UNITED KINGDOM AND OUR REGISTRATION NUMBER IS 204463.
    THANKS
    DR LEO DAVIDSON .

  49. Mrs. Monica Roland says:

    Hello Everybody,

    My name is Mrs. Monica Roland. I live in UK London 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 $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 $250,000.00 U.S.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. Monica Roland that refer you to him. contact Mr James Bone via email: (beastloansfinance02@gmail.com)

  50. apex says:

    Apply for all kinds of loans at low rate of 3% via our websitewww.apexgaurantee.webs.com
    and email us via apexgaurantee@gmail.com and fill your
    form on our website and you get approved immediately with your loan transfer

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