Savings hero

question

Posted by: | 2013/08/29 15:34

I am a 42-year-old who is only now starting to plan for retirement. Yes I know it's late, that is why I need advice.

I have a pension plan through my company, but it's not very big as I have only recently started working here. In the past I have always used my pension payouts. I am looking for an additional investment option that I can run concurrently.

expert answer

Posted by: Jeanette Marais | 2013/09/04 15:04

Fear not, all is not lost. While starting as early as possible is preferable, it is still possible to make provision for your retirement starting at 42. 

But you’ll have to save harder, work for longer, and invest wisely so that what savings you do have, achieve the best possible returns.

Ultimately your retirement income is a factor of how early you started saving, how much you’ve saved, the investment returns you’ve enjoyed and the amount lost through not preserving your pension or provident fund savings when you changed jobs.

When you reach your forties, you can only influence two factors: how much you contribute and the investment choices you make. It’s too late to think about starting early, and the retirement money you cashed in between jobs is long gone.      

The rule of thumb for retiring independently is that you will need a capital sum of 15-20 times your final annual pre-tax income. This will give you an income equal to about 70% of your income at a retirement age of 65 (if you buy a conventional pension-providing product). 

Given your personal circumstances, to achieve this level of income (70% of final salary) you will need to save about 30% of your salary, or achieve an investment return of 15% above inflation.

Both seem daunting, but there are ways to lessen the burden. If you can achieve an investment return of 7% above inflation, you’ll have to save a bit less - around 25% of your salary. 

And if you work until 70 instead of 65 and earn a regular return of 7% above inflation, you’ll only have to save about 12% of your salary. 

Alternatively, you could plan to retire on 50% of your current income instead of 70%, which is possible if you’re debt-free and in good health. 

You also need to make sure your investment choices are not too conservative. Equities have outperformed all other asset classes over time and it is essential to include them in your portfolio for real growth. 

However, they also come with volatility, though this tends to smooth out over the long term.

You mention that you have a pension plan through your company and that you are looking for an additional investment option.

When deciding which investment product best suits your needs, you need to consider when you’ll need to access your investment, how it will be taxed and what happens to it in the event of your death.

You also need to consider fees. A retirement annuity fund (RA), a discretionary unit trust investment or an endowment policy are all possible options.

The biggest advantage of RAs is their tax-efficiency. Many RAs are offered with low product fees and offer choice and flexibility.

You can stop and start contributions without penalties, you can choose which underlying unit trusts to invest in (as long as your selection complies with the asset allocation limits for retirement funds prescribed by regulation), and switch between funds at no extra cost. 

However, you cannot usually access your money until you turn 55. At retirement, a minimum of two-thirds of the capital in your RA must be invested in a pension-providing vehicle.

An endowment policy, meanwhile, also has certain tax advantages and while you are not bound by retirement fund regulations, withdrawals and additional contributions are restricted.

It can be a good medium- to long-term investment for higher income earners with a high marginal tax rate. But your money will be tied up for a minimum of five years.

Another option for you is to invest directly in unit trusts of your choice. Unit trusts are a cost effective way to invest in a wide range of assets, such as shares, bonds and property.

While you are allowed to access your money at any time, it’s best to use unit trusts for medium- to long-term investment goals. If you go this route, you are not bound by retirement fund regulations.

When it comes to investment products, sometimes there may be multiple products that could meet your needs.

If you are not comfortable making these decisions on your own, or do not have the time to do so, it may be useful to engage the services of an independent financial adviser.

 

Fin24 cannot be held liable for any decisions made based on the advice given by independent experts, and disclaims all responsibility or liability for any damages whatsoever resulting from the use of the site

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Reply to Craig Wilson
Posted by: anatiliatextileltd@gmail.com | 2017/04/28 19:30
Do you need a loan? Do you need financial help? Does your firm, company or industry need financial assistance? Do you need finance to start your business? Do you need finance to expand your business? Do you need personal loan? Please, contact us for more information: bdsfn.com@gmail.com anatiliatextileltd@gmail.com Hai bisogno di un prestito? Hai bisogno di aiuto finanziario? La tua impresa, azienda o industria ha bisogno di assistenza finanziaria? Hai bisogno di finanziamenti per avviare la tua attività? Hai bisogno di finanziamenti per espandere la tua attività? Hai bisogno di prestito personale? Vi preghiamo di contattarci per ulteriori informazioni: Bdsfn.com@gmail.com Anatiliatextileltd@gmail.com Potrebujete úver? Potrebujete financnú pomoc? Potrebuje vaša firma, firma alebo priemysel financnú pomoc? Potrebujete financné prostriedky na zacatie podnikania? Potrebujete financie na rozšírenie svojho podnikania? Potrebujete osobnú pôžicku? Prosím, kontaktujte nás pre bližšie informácie: bdsfn.com@gmail.com anatiliatextileltd@gmail.com Avez-vous besoin d'un prêt? Avez-vous besoin d'aide financière? Votre entreprise, entreprise ou industrie a-t-elle besoin d'aide financière? Avez-vous besoin de financement pour démarrer votre entreprise? Avez-vous besoin de financement pour développer votre entreprise? Avez-vous besoin d'un prêt personnel? Veuillez nous contacter pour plus d'informations: bdsfn.com@gmail.com anatiliatextileltd@gmail.com Necesitas un préstamo? ¿Necesita ayuda financiera? ¿Su empresa, empresa o industria necesita ayuda financiera? ¿Necesita finanzas para comenzar su negocio? ¿Necesita financiación para expandir su negocio? ¿Necesita préstamo personal? Por favor, póngase en contacto con nosotros para más información: bdsfn.com@gmail.com anatiliatextileltd@gmail.com
Reply to anatiliatextileltd@gmail.com
Posted by: Denis Martin | 2017/04/27 09:56
DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN? LOAN IS HERE FOR YOU We have provided over $1 Billion in business loans to over 15,000 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 72 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $20 million. We Offer: * Business Loan * Personal Loans or Signature Loans * Arrangements to Borrow from $10,000.00 up to $20,000,000 * Choose between 1 to 10 years repayment period. * Choose between monthly and annual repayment plan. * Flexible loan terms and conditions applied. * Interest rates as low as 1%. We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances. Contact us today via: fina.serds@gmail.com Get your instant loan approval
Reply to Denis Martin
Posted by: Denis Martin | 2017/04/27 09:55
DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN? LOAN IS HERE FOR YOU We have provided over $1 Billion in business loans to over 15,000 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 72 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $20 million. We Offer: * Business Loan * Personal Loans or Signature Loans * Arrangements to Borrow from $10,000.00 up to $20,000,000 * Choose between 1 to 10 years repayment period. * Choose between monthly and annual repayment plan. * Flexible loan terms and conditions applied. * Interest rates as low as 1%. We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances. Contact us today via: fina.serds@gmail.com Get your instant loan approval
Reply to Denis Martin
Posted by: Denis Martin | 2017/04/27 09:55
DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN? LOAN IS HERE FOR YOU We have provided over $1 Billion in business loans to over 15,000 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 72 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $20 million. We Offer: * Business Loan * Personal Loans or Signature Loans * Arrangements to Borrow from $10,000.00 up to $20,000,000 * Choose between 1 to 10 years repayment period. * Choose between monthly and annual repayment plan. * Flexible loan terms and conditions applied. * Interest rates as low as 1%. We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances. Contact us today via: fina.serds@gmail.com Get your instant loan approval
Reply to Denis Martin
Posted by: Denis Martin | 2017/04/27 09:55
DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN? LOAN IS HERE FOR YOU We have provided over $1 Billion in business loans to over 15,000 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 72 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $20 million. We Offer: * Business Loan * Personal Loans or Signature Loans * Arrangements to Borrow from $10,000.00 up to $20,000,000 * Choose between 1 to 10 years repayment period. * Choose between monthly and annual repayment plan. * Flexible loan terms and conditions applied. * Interest rates as low as 1%. We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances. Contact us today via: fina.serds@gmail.com Get your instant loan approval
Reply to Denis Martin
Posted by: Denis Martin | 2017/04/27 09:54
DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN? LOAN IS HERE FOR YOU We have provided over $1 Billion in business loans to over 15,000 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 72 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $20 million. We Offer: * Business Loan * Personal Loans or Signature Loans * Arrangements to Borrow from $10,000.00 up to $20,000,000 * Choose between 1 to 10 years repayment period. * Choose between monthly and annual repayment plan. * Flexible loan terms and conditions applied. * Interest rates as low as 1%. We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances. Contact us today via: fina.serds@gmail.com Get your instant loan approval
Reply to Denis Martin
Posted by: Adams Daniels | 2017/04/27 03:58
I am a private lender and Investor, Do you need a legit, honest, reputable and quick loan? I can help you with 100% guarantee loan, I am offering business and individual loan, More also we financing all kind of projects. For more details contact us at:daniels.loan.investment@gmail.com Best Regards Mr.Adams Daniels
Reply to Adams Daniels
Posted by: larry smith | 2017/04/26 09:59
THIS IS A MIRACLE , I JUST GOT A LOAN WITHOUT PAYING ANY FAKE UPFRONT FEES , WITH GOD ALL THINGS ARE POSSIBLE Hello my great followers and viewers , This is Sandra Clifford and i am a government registered Nurse by profession here in Ohio . I just wanna share this little experience i got online while trying to get a loan funds so that every single persons on here can learn from my stories and my experience too . My husband Terry is a very hardworking man and he worked for a certain construction company as a driver but things fell apart as he got sacked due to a certain issue that occurred at his place of operation . he was home for 6 months and my job could not only put food on our table and also pay the tuition fees of our kids . not even the rent we are talking about now , e both discussed as couples to get a loan funds online as we were naive on how this things work and this made us lost several amounts of dollars to all those online fake loa agencies from Benin Republic and 1 from Nigeria and one other from Kenya , we spent $10,000 United State Dollars as fees in looking for an unsecured loan funds online , when we found out that they were all needing more and more fees without any help , my husband resulted to contact a lending matching agency who matched my husband with the AMIER MILLER LOAN AGENCY , initially , i was scared since we had already lost alot and all to no avail , but our desperation never allowed us to get hindered and we contacted the AMEIR MILLER LOAN ADMIN ameirmillerfinancialagency@gmail.com and they instructed us to what will be done as it was a 48 hours time period for a good rate of 2.5 % unbelievale , we filled in and tried to be careful but before we knew it , we were ranged to be informed that our loan funds was already processed and deposited into our bank account already with no charges and no fake fees like the other loan agencies , GOD BLESS THE AMEIR MILLER LOAN AGENCY AND ALL THANKS TO GOD ALMIGHTY AS WE GOT THE $150,000.000 United State Dollars without been scammed or delayed , incase you want to also reach them , you can text them up at +1 252-585-5014 ameirmillerfinancialagency@gmail.com Sorry , This is coming very late but i just have to say this testimony on here , so that everyone can also be aware of this great thing that happened in my life through the Ameir Miller Financial Institute , I am Stefano a college student, all thanks to the Amier Miller Loan Institute for putting this great smile on my face llast year and for standing by there words in granting me this loan funds as they have dully promised , its so amazing that i just got an alert from my bank that the loan amount of $ 10,000 Usd that i applied for from the Amier Miller Classic Loan Institute which was duly credited into my bank account has they promised without any form of delays , i am very excited about this thing in my life because i never knew that i would really get this loan funds and i know that this is the lords doing and it is so marvellous in my eyes . finally i can now sleep with my 2 eyes closed. Here is there email address just incase you need a loan too : text them at +1 252-585-5014 ameirmillerfinancialagency@gmail.com this GOD BLESS .
Reply to larry smith
Posted by: Joyce Acklin | 2017/04/26 03:40
A PATH TO FOREVER FINANCIAL FREEDOM FOR EVERYONE joshloancompany@yahoo.com or CALL/TEXT +1(215)874-8060 Hello everyone in this forum, I am Joyce Acklin from 937 Stratford Park Austin, IN, USA and want to use this medium to express gratitude to EMINENT JOSH the C.E.O of JOSH LOAN COMPANY for fulfilling his promise by granting me a loan, i was stuck in a financial situation and needed to refinance and pay my bills as well as start up a Business. I tried seeking for loans from various loan firms both private and corporate organisations but never with success, and most banks declined my credit request. But as God would have it, i was introduced by a friend named Dianne Faulkner to JOSH LOAN COMPANY whom also confirmed to me that she also obtained a loan from them. In an attempt to resolve my current situation, i got in contact with the company via email/text and undergone the due process of obtaining a loan from the company, to my greatest surprise within 48hrs just like my friend Dianne, i was also granted a loan of $125,000.00; So my advise to everyone who or know someone who desires a loan, "if you must contact any firm with reference to securing a loan online with low interest rate of 2% and better repayment plans/schedule, please contact JOSH LOAN COMPANY. Besides, he doesn’t know that am doing this but due to the joy in me, i'm so happy and wish to let people know more about this great company whom truly give out loans, it is my prayer that GOD should bless them more as they put smiles on peoples faces. You can contact them via email on joshloancompany@yahoo.com CALL/TEXT +1(215)874-8060 or visit their auxiliary webpage on http://www.joshloancompany.bravesites.com/
Reply to Joyce Acklin
Posted by: Adams Daniels | 2017/04/26 02:23
I am a private lender and Investor, Do you need a legit, honest, reputable and quick loan? I can help you with 100% guarantee loan, I am offering business and individual loan, More also we financing all kind of projects. For more details contact us at:daniels.loan.investment@gmail.com Best Regards Mr.Adams Daniels
Reply to Adams Daniels
Posted by: Adams Daniels | 2017/04/26 02:23
I am a private lender and Investor, Do you need a legit, honest, reputable and quick loan? I can help you with 100% guarantee loan, I am offering business and individual loan, More also we financing all kind of projects. For more details contact us at:daniels.loan.investment@gmail.com Best Regards Mr.Adams Daniels
Reply to Adams Daniels
Posted by: Adams Daniels | 2017/04/24 19:35
I am a private lender and Investor, Do you need a legit, honest, reputable and quick loan? I can help you with 100% guarantee loan, I am offering business and individual loan, More also we financing all kind of projects. For more details contact us at:daniels.loan.investment@gmail.com Best Regards MR, Adams Daniels
Reply to Adams Daniels
Posted by: khalifa Steve | 2017/04/24 08:06
Are you a business man or a woman? Do you need money to start your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need money for your project? We offer secured loans of any amount and anywhere in the world (individuals, businesses, real estate and legal persons) in our rate of 2% excellent. For application responses and to send more information to the following email address: (khalifafinancialcompanies@outlook.com or khalifafinancialcompanies@gmail.com) Phone Number: +16026337400 http://khalifafinancialcompany.weebly.com
Reply to khalifa Steve
Posted by: Mrs. Magaret Becklas | 2017/04/23 21:39
FROM BDS FINANCE SERVICES Apply now for all kinds of loans and get it urgently! The interest rate is at 1% Choose between 1 and 25 years of repayment. Choose between Monthly and annual repayment plan. Terms and conditions of the loan flexibility. All these plans and more, please contact us. Contact Email: anatiliatextileltd@gmail.com Email : bdsfn.com@gmail.com Emaill: bdsfn.com@gmail.com LOAN INFORMATION NEEDED: Name : Country : Phone number : Amount Needed as Loan : Purpose of Loan : Have you applied for loan online before (yes or no) Email : anatiliatextileltd@gmail.com Email : Emaill: bdsfn.com@gmail.com Mrs. Magaret Becklas
Reply to Mrs. Magaret Becklas
Posted by: Mrs. Magaret Becklas | 2017/04/23 21:39
FROM BDS FINANCE SERVICES Apply now for all kinds of loans and get it urgently! The interest rate is at 1% Choose between 1 and 25 years of repayment. Choose between Monthly and annual repayment plan. Terms and conditions of the loan flexibility. All these plans and more, please contact us. Contact Email: anatiliatextileltd@gmail.com Email : bdsfn.com@gmail.com Emaill: bdsfn.com@gmail.com LOAN INFORMATION NEEDED: Name : Country : Phone number : Amount Needed as Loan : Purpose of Loan : Have you applied for loan online before (yes or no) Email : anatiliatextileltd@gmail.com Email : Emaill: bdsfn.com@gmail.com Mrs. Magaret Becklas
Reply to Mrs. Magaret Becklas
Posted by: Dr. Ezra Sebastian | 2017/04/21 21:40
DO YOU NEED A LOAN TO START A BEFITTING NEW YEAR!!!!!! Do you seek funds to pay off credits and debts? Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Ezra Sebastian Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ezrasebastianloans@gmail.com) DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2% EZRA SEBASTIAN LOAN HOME, (ezrasebastianloans@gmail.com) aims is to provide Excellent Professional Financial Services. Please, contact us for more information: (ezrasebastianloans@gmail.com) Our services include the following: * Personal Loans * Debt consolidation loans * Car Loans * Business Loans * Education Loans * Mortgage *Refinancing Loans * Home Loans *Start-up- working capital loans *Hotel loans*Student loans *Construction loans We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (ezrasebastianloans@gmail.com) NOTE:Bear in mind that it will only take less than 48 Hours to process your file is 100% Guaranteed no matter your Credit Score. Yours Sincerely, Dr. Ezra Sebastian We look forward to hear from you ASAP
Reply to Dr. Ezra Sebastian
Posted by: Crespin Steven | 2017/04/21 20:46
We are lend up loan company (LLC),Are you looking for a loan to clear off your dept and start up your own Business? have you being going all over yet not able to get a loan Company that will loan you? Here is your final solution, We give investment loan,Business Loan, Personal Loan,Car Loan,House Loan, at 3% of any amount you need, provided you have your complete document also you are going to pay back within the period of time given without any problem. Apply now and contact us for more details via email below. Email... lenduploanlender@gmail.com or website http://lenduploan.webs.com
Reply to Crespin Steven
Posted by: Dr. Ezra Sebastian | 2017/04/16 19:13
DO YOU NEED A LOAN TO START A BEFITTING NEW YEAR!!!!!! Do you seek funds to pay off credits and debts? Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Ezra Sebastian Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ezrasebastianloans@gmail.com) DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2% EZRA SEBASTIAN LOAN HOME, (ezrasebastianloans@gmail.com) aims is to provide Excellent Professional Financial Services. Please, contact us for more information: (ezrasebastianloans@gmail.com) Our services include the following: * Personal Loans * Debt consolidation loans * Car Loans * Business Loans * Education Loans * Mortgage *Refinancing Loans * Home Loans *Start-up- working capital loans *Hotel loans*Student loans *Construction loans We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (ezrasebastianloans@gmail.com) NOTE:Bear in mind that it will only take less than 48 Hours to process your file is 100% Guaranteed no matter your Credit Score. Yours Sincerely, Dr. Ezra Sebastian We look forward to hear from you ASAP
Reply to Dr. Ezra Sebastian
Posted by: cleo | 2017/04/14 02:35
Hello i am Cleo Katrina,i live in Santa Monica, CA united states and i am a single mom,i had financial problem and i needed money very bad but thank God for this private lender Mrs Maria Cristia who helped me with a loan of 30,000usd and now we are good all thanks to Mrs Maria.if you know that you are in need of an urgent loan i would advise you to contact Mrs Maria Cristia at Email:austintrustloanfund@hotmail.com Thank You And God Bless
Reply to cleo
Posted by: Joan Felch | 2017/04/13 15:23
I am Joan Felch, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(joanfelchloanhome@gmail.com or jfloanlendingcompany@yahoo.com) Attention!!! Do you have a bad credit? Do you need money to pay bills? Do you need to start up a new business? Do you have unfinished project at hand due to bad financing? Do you need money to invest in some area of specialization which will profit you? and you don’t know what to do.a We offer the following loans below, personal loans[secure and unsecured] business loans[secure and unsecured] combination loans students loans consolidation loans and so many others. 1. Full Names:………………………. 2. Contact Address:………………….. 3. Loan Amount Needed:……………….. 4. Duration of the Loan………………. 5. Direct Telephone Number:…………….. 6. Monthly Income:…………….. Email (joanfelchloanhome@gmail.com or jfloanlendingcompany@yahoo.com) Best Regards, Joan Felch.
Reply to Joan Felch
Posted by: PergoCF@cheerful.com | 2017/04/12 05:05
Affordable Loan Offer ( PergoCF@qualityservice.com ) Do You Need A Business Loan? ( PergoCF@cheerful.com ) Interested applicants should Contact us via email: PergoCF@gmail.com Interested applicants should Contact us via email: PergoCF@cheerful.com A Personal Loan? At 1.00% Name,Amount,Country,Loan Durations,Phone, Mobile: Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: PergoCF@qualityservice.com Interested applicants should Contact us via email: PergoCF@cheerful.com =========================================================================== Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: PergoCF@gmail.com Interested applicants should Contact us via email: PergoCF@cheerful.com Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, 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. Gain flexibility with which you can use for any purpose from vacations, to education, to unique purchases. Interested applicants should Contact us via email: PergoCF@gmail.com Interested applicants should Contact us via email: PergoCF@cheerful.com We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 1.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: PergoCF@cheerful.com Kindly write us back with the loan information; - Complete Name: - Loan amount needed: - Loan Duration: - Purpose of loan: - City / Country: - Telephone: - How Did You Hear About Us: If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@qualityservice.com Interested applicants should Contact us via email: PergoCF@cheerful.com
Reply to PergoCF@cheerful.com
Posted by: Anonymous | 2017/04/11 20:00
*Liver Pool Loan Offer* We give out loan at the rate of 3% interest rate, if you are interested for a loan, you are here by advise to fill and return the loan application form to this Email( liverpoolfinancialaid@hotmail.com) alone to know if you are truly interested in loan. I am here to put smiles in all sad faces. FULL NAMES: ADDRESS: COUNTRY: AMOUNT NEEDED: DURATION OF LOAN: PURPOSE OF LOAN: SEX: MARITAL STATUS: MONTHLY PAYMENT: PHONE NUMBER: EMAIL: By replying with these details to (liverpoolfinancialaid@hotmail.com), we shall move forward to the next step which is the terms and re-payment plan schedule. Mr. Howard M Colleman .
Reply to Anonymous
Posted by: steve | 2017/04/11 03:36
**AVOID SCAMS** NO UPFRONT PAYMENTS INVOLVED Loan Opportunity at your door step Do you need urgent loan? Need a business loan? Need a loan for your investment? Need a loan to finance your problem? Need personal loan? To properly introduce myself, I am Fred Robert, a private lender i give out loan at 3% interest rate per year. It is a financial opportunity at your door. Step up today and get instant loan.There are many out there looking for financial options or help around the place and still not be able to get one. But it is a financial opportunity at your door step and as such you can not miss this opportunity. This service, is for individuals, companies, business men and women. The loan amount available ranges from $ 3,000.00 to $ 50,000,000.00, for any legal purpose, with a comfortable duration. That range from 1-30 years. For more information contact us via email:(victorjonhson1999@gmail.com)
Reply to steve
Posted by: Rateecatlet | 2017/04/10 03:09
Hello, Send an executive summary of the loan you need. Immediate Loan is specialized in providing loans from the range of{$1000 to $90,000,000.00} at 3.0% interest rate Our loans are well insured and maximum security is our priority, IMMEDIATE LOANS COMPANY is a legitimate and well known British approved loan lending company based in London, England.& USA We offer loans to individuals as well as organizations who have intentions of renovating houses and institutions, debt consolidation, re-financing and also establishment of business outfits. We give out our Loan in USD($). rateecatletloanfirm01@gmail.com or Phone:( +1 ) 605-609-2525 / 44-745-224-6592 *Are you financially Squeezed? *Do you seek funds to pay off credits and debts *Do you seek finance to set up your own business? *Are you in need of private or business loans for various purposes? *Do you seek loans to carry out large projects *Do you seek funding for various other processes? If you are interested in getting a loan form our company kindly get back to us with this email address Sincerely yours
Reply to Rateecatlet
Posted by: Ivan Korova | 2017/04/09 18:58
HELLO DO YOU WISH TO GET AN EASY, FAST AND STRESS FREE LOAN? TO FINANCE UP YOUR BUSINESS OR FOR PERSONAL PURPOSE, MINIMUM AMOUNT OF 5,000.00 TO A MAXIMUM AMOUNT OF 500,000,000.00 IN THE CURRENCY TYPE OF USD,EURO,POUNDS . OVER HERE IS HALIFAX BANK PLC WE ARE CURRENTLY OFFERING LOAN TO INTERESTED LOAN SEEKERS WHO HAVE BEEN SEEKING FOR A WAY TO GET A LOAN FOR THERE BEST KNOWN PURPOSE AT A RATE OF 4.50% INTEREST RATE. IF YES! KINDLY CONTACT US THROUGH EMAIL AT halifax_ivandepartment@yahoo.com NB: ALL REPLIES SHOULD BE SENT TO halifax_ivandepartment@yahoo.com
Reply to Ivan Korova
Posted by: Louis Daughtry | 2017/04/09 01:14
Hello Loan Seekers, Do you need an urgent loan to start up business, debt loan? buy a car or a house? If yes worry no more, For we offer all kinds of loan at a low and affordable interest rate of 3%, without collateral and without credit check. Get back to us if you need a loan with the below information. Contact Email: louisdaughtryinvestment@gmail.com Do you have a bad credit? Do you need money to pay bills? Do you need to start up a new business? Do you have unfinished project at hand due to bad financing? Do you need money to invest in some area of specialization which will profit you? and you don’t know what to do. We offer the following loans below, personal loans[secure and unsecured] business loans[secure and unsecured] combination loans students loans consolidation loans and so many others. 1. Full Names:------ 2. Country:----------- 3. State:--------------- 4. Contact Address:------- 5. Loan Amount Needed:------ 6. Duration of the Loan-------- 7. Monthly Income:---------------- 8. Direct Telephone Number:----------- 9 SEX:………………. EMAIL: [louisdaughtryinvestment@gmail.com] Best Regards Mr Louis Daughtry.
Reply to Louis Daughtry
Posted by: Louis Daughtry | 2017/04/09 01:13
Hello Loan Seekers, Do you need an urgent loan to start up business, debt loan? buy a car or a house? If yes worry no more, For we offer all kinds of loan at a low and affordable interest rate of 3%, without collateral and without credit check. Get back to us if you need a loan with the below information. Contact Email: louisdaughtryinvestment@gmail.com Do you have a bad credit? Do you need money to pay bills? Do you need to start up a new business? Do you have unfinished project at hand due to bad financing? Do you need money to invest in some area of specialization which will profit you? and you don’t know what to do. We offer the following loans below, personal loans[secure and unsecured] business loans[secure and unsecured] combination loans students loans consolidation loans and so many others. 1. Full Names:------ 2. Country:----------- 3. State:--------------- 4. Contact Address:------- 5. Loan Amount Needed:------ 6. Duration of the Loan-------- 7. Monthly Income:---------------- 8. Direct Telephone Number:----------- 9 SEX:………………. EMAIL: [louisdaughtryinvestment@gmail.com] Best Regards, Mr Louis Daughtry.
Reply to Louis Daughtry
Posted by: Tim Kelsey | 2017/04/08 12:42
Are you searching for a very genuine loan at an affordable interest rate, under a conducive loan terms and conditions? Do you need a loan to settle your debt or to pay off your bills? Have you been turned down constantly by your Banks and other financial institutions just because you have a low credit score? Do you need a loan or funding for any reason such as, * Vehicle Loans * Real Estate Loans * Business Loans * Mortgage Loans * Home Loans * Debt Consolidation Loans * Personal Loans Note: We give out loan for just 3% interest rate yearly. Interested persons should contact us via email:- williamlileyfinancialservice@gmail.com to enable us open a loan processing file. Contact Email:- williamlileyfinancialservice@gmail.com Best wishes, William Liley.
Reply to Tim Kelsey
Posted by: Tim Kelsey | 2017/04/08 12:34
We at WILLIAM LILEY FINANCIAL SERVICE offer loans to private investors, loans for public investment, loans for commercial and personal purpose with a minimum annual interest rate as low as 3% at 1 year to 30 years maturity period anywhere in the world, Interested individuals, firms and companies can contact us via the companies email address which is as follow: williamlileyfinancialservice@gmail.com APPLY NOW TO GET YOUR LOAN.
Reply to Tim Kelsey
Posted by: Anderson | 2017/04/08 02:08
Hallo, Bapak Harry Fragnad Mohon ma'af atas keterlambatan kami menjawab email bapak harry, karena Handphone baru selesai diperbaiki. Dari permintaan pembayaran asuransi dari perusahaan bapak, berapa biaya asuransi yang kami bayarkan, dari nominal pinjaman 800.000.000? Asuransi nanti yang kami bayarkan jangan mahal ya? Kemudian ditransfer kemana? Lewat bank apa? Terimasih atas terkabulnya permohonan kami. Fitri Fadziatul Azmi >
Reply to Anderson
Posted by: Paul Davis | 2017/04/06 00:01
Are you trying to start a business, settle your debt, expand your existing one, need money to build, need money to purchase supplies.Have you been having problem trying to secure a Good Credit Facility, Contact us now for financing today and put a stop to all your financial barriers. We are fast, reliable and competent. For immediate response Email: finanacialloanfirm@gmail.com
Reply to Paul Davis
Posted by: Alexander Grayson | 2017/04/05 22:46
LOAN OFFER? Good day Sir/Madam,? Getting a loan from Grayson Investments Company is 100% assured and the legitimacy of the transaction is 100% Guaranteed. email: graysonfinance@gmail.com or contact:+1 (219) 9909-186 Legitimate loan have always There was a huge problem for people with financial problem and need a solution. Question credit and collateral are sometimes clients are always worried about When seeking a loan from a legitimate lender.? Our services include in the following:? Debt consolidation* second mortgage* Business loans* Personal Loans* International credits* Student loans* Family credit* For more details go to purchase loan, contact us Please respond immediately to this email: graysonfinance@gmail.com or contact +1(219) 9909-186 Please ? note that the credit is issued in the amount of 3% interest, kindly get back to us now, if You are interested.? ?
Reply to Alexander Grayson
Posted by: Morris Leo | 2017/04/03 00:06
Hello, Looking for a debt consolidation loan, unsecured loan, business loan,home loan, car loan, student loan, personal loan, venture capital,etc! I am a private lender, I grant loans to companies and individuals at low rate and affordable interest rate of 2%. e-mail to:morrisloanfrom@gmail.com
Reply to Morris Leo
Posted by: john | 2017/04/01 12:45
This is to inform the public that John, personal loan lenders in the financial opportunity to those who need financial assistance. We provide a 4% interest rate loan to individuals, firms and corporations subject to the conditions are clear and easy to understand. contact us today by email at: johngilliam52@gmail.com
Reply to john
Posted by: Anonymous | 2017/03/30 14:53
Do you need a personal & business or Investment funding, without stress and quick approval? If yes, contact us today as we are currently offering loans at superb interest rate at 3%. Our finance is secured and safe. Our customers happiness is our strength. loans from the tune of €5,000 -€1,000,000.00 USD Euro and Pounds, available now are Business, Personal, House, Travel and Student Loans Etc. For more info Send in detailed loan proposal(Loan amount and duration) Loan Officer. harryben5177@gmail.com Monday-Saturday:7:30am-6:30pm {Processing time}. Sunday:12noon-6:30pm {Processing time}
Reply to Anonymous
Posted by: bradleyabbottloanfirm@gmail.com | 2017/03/28 21:11
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Reply to bradleyabbottloanfirm@gmail.com
Posted by: Micheal Brad | 2017/03/28 01:08
**AVOID SCAM, NO UPFRONT FESS INVOLVED** Hello everyone, Are you looking for a business loan, personal loans, mortgage loans, auto loans, student loans, debt consolidation loans, unsecured loans, venture capital, etc ... Or have you been declined a loan by your bank or financial institution for one or more reasons?  Here you will get solution to that problem as long as you are found eligible for the loan and trust worthy. We offer loans from a minimum of $5,000 to a maximum of $10,000,000.00,we offer loans to companies and individuals at a low and affordable interest rate of  3%. So if you are interested in a quick and easy loan.  Contact us today: EMAIL 1: Michealbradloaninvestment@consultant.com EMAIL 2: Michealbradloaninvestment@aol.com WHATSAPP: +27 (061) 9641906 Regards, Mr. Micheal
Reply to Micheal Brad
Posted by: clinton john | 2017/03/27 12:02
My Name is clinton john i work with Quick loans finance a legitimate and reliable loan company located in Detroit,Us. We currently give out loans at low interest rate of 2.5% and with no credit check,we offer personal loans, debt consolidation loans,venture capital, business loans, education, home loans or “loans for any reason, from $ 1,000 to $ 1 million range. However, our method allows you to specify the loan amount needed and duration you can afford it, it gives you a real chance to get the funds you need! If you are interested, contact via Email:(bankfinanceptd@gmail.com) Thanks...
Reply to clinton john
Posted by: Derek Nelson | 2017/03/27 09:47
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Reply to Derek Nelson
Posted by: bradley abbott | 2017/03/27 09:22
Am bradley abbott, the issue of credit and collateral are something that clients are always worried about when seeking a loan from a legitimate lender, getting a legitimate loan have always been a huge problem To clients who have financial problem and need solution. But we have made that difference in the lending industry, We offer a loan from 1,000.00 to 10,000,000.00 as low as 2% interest, we fund small scale loan firm, intermediaries, small scale financial institutions, No social security and no credit check, 100% Guarantee.Our Services Include the Following:Debt Consolidation,Second Mortgage,Business Loans,Personal Loans, International Loans,Family loan. For more information about getting a loan contact us now via email:{bradleyabbottloanfirm@gmail.com.com}
Reply to bradley abbott
Posted by: Barry Hamilton | 2017/03/27 03:31
Do you need an urgent loan to solve your financial needs, We provide loan ranging from $ 5,000.00 to $ 100,000.000 Max, we are reliable, efficient, fast and dynamic, with 100% guaranteed loan also it gives (euros, pounds and dollars .) the interest rate applicable to all loans is (2%), if you are interested get back to us. through (barryhamiltonfunds@gmail.com): Services provided include: * Home improvement * Loans Inventor * Debt Consolidation Loan * Business Loans *Personal loans. contact us through Email: barryhamiltonfunds@gmail.com
Reply to Barry Hamilton
Posted by: Vera | 2017/03/26 22:56
Hello dear loan seekers, are you a business man or woman, Are you tired of seeking loans or are you in any financial mess,have you been turned down constantly By your banks and other financial institutions,We offer any form of loan to individuals and corporate bodies at low interest rate. If you are interested in taking a loan,feel free to contact us today,we promise to offer you the best services ever. Just give us a try,because a trial will convince you .What are your Financial needs?Do you need a business loan?Do you need a personal loan?Do you want to buy a car or a house?Do you want to refinance?Do you need a mortgage loan?Do you need a huge capital to start off your business proposal or expansion? Do you need to pay medical bills, Have you lost hope and you think there is no way out, and your financial burdens still persists? Contact us with our valid emails: fidelityloanfirmworld@outlook.com or fidelityloanfirmdoha@gmail.com, you can also contact us through whatsaap: +353899525153 Thanks and look forward to your prompt reply. please note we are located in Ireland
Reply to Vera
Posted by: Adams Owen | 2017/03/24 10:40
Hello Are you in need of a loan? Do you want to be financially stable? Or do you want to expand your business? We offer company loan, auto loan, business loan, and personal loan at a very reduced interest rate of 3% with comfortable duration which is negotiable. This offer is open to all that will be able to repay back in due time. Kindly get back to us if interested. Email us on:adamsowenfunding@gmail.com LOAN BORROWERS FORM Your full name: ........................... Requested loan amount: .......................... Length of Loan: ........................... Loan Purpose: .......................... Address of applicant: ............................... Occupation: .......................... Location: .......................... State: .......................... Country: .......................... Gender: .......................... Age: .......................... Mobile ............................ Monthly Income: .......................... Thank you as we await your urgent responds ©
Reply to Adams Owen
Posted by: Lori McKissick | 2017/03/23 23:55
Good Day: to whom it may concern, I am Lori McKissick From Ohio U.S.A, I quickly want to use this medium to share a testimony on how God directed me to a Legit and real loan lender who has transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of $6,400 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains, then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion she told me about a man called Mr. Teddy Jones who is the Financial Controller/Operation Manager of TIMRAY FINANCIAL SERVICES So i applied for a loan sum of (120,000.00USD) with low interest rate of 3% only. The loan was approved easily without stress and all the preparations were made concerning the loan transfer and in less than two(2) days the loan was deposited into my Bank Account so i want to advice any one in need of a loan to quickly contact TIMRAY FINANCIAL SERVICES via {Email: timrayfinacials@gmail.com}. He does not know I'm doing this, I pray that God will bless him for the good thing he has done in my life and that of my entire family. Direct Contact Email: timrayfinacials@gmail.com
Reply to Lori McKissick
Posted by: Timothy Connor | 2017/03/23 23:04
Lender: Mr. Dr. Timothy Connor. Lender Email: mkfinancial.org@gmail.com We offer private, commercial and personal loans at a very low annual interest rates as low as 3% per year to 50 years repayment period nowhere else in the world. We offer loans from $ 5000 to $ 100 million USD. CREDIT APPLICATION 1. Full name: 2. Sex: 3. Age: 4. Phone: 5. Country: 6. Amount must: 8. Duration: Lender: Mr. Dr. Timothy Connor. Lender Email: mkfinancial.org@gmail.com With kind regards, Mr. Dr. Timothy Connor
Reply to Timothy Connor
Posted by: Anonymous | 2017/03/22 13:22
License Registration #: TCI/94297/9UJ Email:supremeprovissionltd@gmail.com Hello I am brian kimungu kimanzi and the name of our company is SUPREME PROVISSION LTD (supremeprovissionltd@gmail.com) Loan is offered to all interested applicants at low interest rate of 3%. We offer personal loans, business loans and car loans, etc. Kindly be notified that we offer loans from the minimum amount of 4,000 to 10,000,000 and loans are available in such as ( £Pounds, Euro And US Dollars $) So please if you are interested Please provide the following information. Borrower or Application Form Name of Applicant (Full Names):.......... Gender:........................ Status:........ ................. Loan amount required:... Loan Duration:.............. Loan Purpose:.............. Monthly Income:........... :................ Address:....... .............. phone number:............. Occupation:.... ............ Country:..................... City:.......... ................ Age:......................... and a Scan copy of valid Id card or Drivers lience................. Apply Before? Upon receiving this information we will move forward. Thanks and Hope to hear from you soon. (Ceo of the company) Mr James williams
Reply to Anonymous
Posted by: Audie Butler | 2017/03/22 03:42
Hello Loan Seekers, Are you looking for financial freedom? are you in Debt, you need a loan to start a new business? or you collapse financially, you need a loan buying a car or a house? Have your bank in ever Finance refuse? You want to improve your financial? they need a loan your bills are paying off? not looking more, we welcome you for an opportunity to all types of loans get at a very affordable interest rates of 3% for other For information, contact us now by e-mail to:(finance.4all1@gmail.com) Do you have a bad credit? Do you need money to pay bills? Do you need to start up a new business? Do you have unfinished project at hand due to bad financing? Do you need money to invest in some area of specialization which will profit you? and you don’t know what to do. We offer the following loans below; personal loans[secure and unsecured] business loans[secure and unsecured] combination loans students loans consolidation loans and so many others. 1. Full Names:---------------- 2. Contact Address:---------------- 3. Loan Amount Needed:---------------- 4. Duration of the Loan---------------- 5. Monthly Income:-------------------- 6: Occupation:---------------------- 7. Direct Telephone Number:---------------- Company Name: BETTER WAY LOAN COMPANY Company Email finance.4all1@gmail.com Company NMLS ID: 315276 Best Regards, Audie Butler.
Reply to Audie Butler
Posted by: Audie Butler | 2017/03/22 03:41
Hello Loan Seekers, Are you looking for financial freedom? are you in Debt, you need a loan to start a new business? or you collapse financially, you need a loan buying a car or a house? Have your bank in ever Finance refuse? You want to improve your financial? they need a loan your bills are paying off? not looking more, we welcome you for an opportunity to all types of loans get at a very affordable interest rates of 3% for other For information, contact us now by e-mail to:(finance.4all1@gmail.com) Do you have a bad credit? Do you need money to pay bills? Do you need to start up a new business? Do you have unfinished project at hand due to bad financing? Do you need money to invest in some area of specialization which will profit you? and you don’t know what to do. We offer the following loans below; personal loans[secure and unsecured] business loans[secure and unsecured] combination loans students loans consolidation loans and so many others. 1. Full Names:---------------- 2. Contact Address:---------------- 3. Loan Amount Needed:---------------- 4. Duration of the Loan---------------- 5. Monthly Income:-------------------- 6: Occupation:---------------------- 7. Direct Telephone Number:---------------- Company Name: BETTER WAY LOAN COMPANY Company Email finance.4all1@gmail.com Company NMLS ID: 315276 Best Regards, Audie Butler.
Reply to Audie Butler
Posted by: Donal Walte | 2017/03/15 19:39
Greetings, This is to inform the general public that Donal Walter Financial Home, Offers loan world wide with an interest rate of 3% and we offer loans such as: Car Loans: Debt Consolidation Loans: Real Estate Loan: Agricultural Loans: Business Loans e.t.c Contact us today on email: Please fill in the following information LOAN BORROWERS INFORMATION. Your full name:......... Requested loan amount:......... Length of Loan:......... Loan Purpose:......... Address of applicant:......... Occupation:......... Location:......... State:......... Country:......... Gender:......... Age:......... Mobile .......... Monthly Income:......... Thank you as we await your urgent responds donaldwalterfinancialhome@gmail.com
Reply to Donal Walte
Posted by: JAMES ROY | 2017/03/13 17:54
Do you need a quick long or short term loan with a relatively low interest rate as low as 3%? We offer business loans, Personal Loans, home Loans, Auto Loans,Student Loans, Debt Consolidation Loans...Contact us now: jameroyfinancehome@gmail.com
Reply to JAMES ROY
Posted by: Nore | 2017/03/10 04:23
TO GET LOAN @ 2% INTEREST RATE with victoriafinancier@outlook.com IF you are looking for a loan amount of little or huge amount between $10, 000USD to $100,000.00USD @ 2% interest rate, you will have to contact Victoria Financier Trust Company ( victoriafinancier@outlook.com ). She help me with funds urgently when i was desperate in need of money to payoff my debt after my husband medical expense and more funds assistance to pay our mortgage and refinance my business. I read about Victoria Lawson on how she have help lots of person and she attend to me urgently when i contacted and explain my situation to her. She has help lots of persons that i refer to her too. Contact her now with VIA EMAIL: victoriafinancier@outlook.com *Full Name:_________ *Address:_________ *Tell:_________ *loan amount:_________ *Loan duration:_________ *Country:_________ *Purpose of loan:_________ *Monthly Income:__________ *Occupation__________ *Next of kin:_________ *Email :_________
Reply to Nore
Posted by: Louis daughtry | 2017/03/10 00:49
Hello Loan Seekers, Do you need an urgent loan to start up business, debt loan? buy a car or a house? If yes worry no more, For we offer all kinds of loan at a low and affordable interest rate of 2.5%, without collateral and without credit check. Get back to us if you need a loan with the below information. Contact Email: louisdaughtryinvestment@gmail.com Do you have a bad credit? Do you need money to pay bills? Do you need to start up a new business? Do you have unfinished project at hand due to bad financing? Do you need money to invest in some area of specialization which will profit you? and you don’t know what to do. We offer the following loans below, personal loans[secure and unsecured] business loans[secure and unsecured] combination loans students loans consolidation loans and so many others. 1. Full Names:------ 2. Country:----------- 3. State:--------------- 4. Contact Address:------- 5. Loan Amount Needed:------ 6. Duration of the Loan (Year):-------- 7. Monthly Income:---------------- 8. Direct Telephone Number:----------- EMAIL: [louisdaughtryinvestment@gmail.com] Best Regards, Mr Louis Daughtry
Reply to Louis daughtry
Posted by: Louis Daughtry | 2017/03/10 00:48
Hello Loan Seekers, Do you need an urgent loan to start up business, debt loan? buy a car or a house? If yes worry no more, For we offer all kinds of loan at a low and affordable interest rate of 2.5%, without collateral and without credit check. Get back to us if you need a loan with the below information. Contact Email: louisdaughtryinvestment@gmail.com Do you have a bad credit? Do you need money to pay bills? Do you need to start up a new business? Do you have unfinished project at hand due to bad financing? Do you need money to invest in some area of specialization which will profit you? and you don’t know what to do. We offer the following loans below, personal loans[secure and unsecured] business loans[secure and unsecured] combination loans students loans consolidation loans and so many others. 1. Full Names:------ 2. Country:----------- 3. State:--------------- 4. Contact Address:------- 5. Loan Amount Needed:------ 6. Duration of the Loan (Year):-------- 7. Monthly Income:---------------- 8. Direct Telephone Number:----------- EMAIL: [louisdaughtryinvestment@gmail.com] Best Regards, Mr Louis Daughtry.
Reply to Louis Daughtry
Posted by: Ralph Bernet | 2017/03/06 01:20
Testimony Of Transformation With The Help Of oceanfinancials.uk.net@gmail.com I am writing this Testimony because am really grateful for what Mr. James Oscar 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 and bills for the past months all I met scammed and took my money total 6,500usd until I finally met a God sent Lender. I never thought that there are still genuine lenders on the internet but to my greatest surprise i got my loan form this great company without wasting much time so if you are out there looking for a loan of any kind for business or other purposes i would advise you to email Mr James Oscar via: ( oceanfinancials.uk.net@gmail.com ) or through the Company website: http://oceanfinancialsloanfirm.webs.com/ and be free of internet scams. thanks… Ralph Bernet: Los Angeles CA, United State
Reply to Ralph Bernet
Posted by: henry Anderson | 2017/02/07 00:36
Are you interested in a Loan? we offer all kinds of financial assistance to all individuals. "Business Loan, Personal Loan, investment Loan,home consolidation Loan, debt Loan and company loan worldwide. Our interest rate is 3% per year. we also render financial advice to our clients.if you have any good project or you want to start up a business and you need loan to finance it, just contact us immediately so that we can discuss, sign agreement and then finance your project or business for you. Kindly contact us today for all your financial needs. contact us via E-mail: creditcenter.co.za@gmail.com or call head of Operation: +27(0)747002419 ..Dr. Henry Anderson
Reply to henry Anderson
Posted by: Henry Anderson | 2017/02/07 00:34
Are you interested in a Loan? we offer all kinds of financial assistance to all individuals. "Business Loan, Personal Loan, investment Loan,home consolidation Loan, debt Loan and company loan worldwide. Our interest rate is 3% per year. we also render financial advice to our clients.if you have any good project or you want to start up a business and you need loan to finance it, just contact us immediately so that we can discuss, sign agreement and then finance your project or business for you. Kindly contact us today for all your financial needs. contact us via E-mail: creditcenter.co.za@gmail.com or call head of Operation: +27(0)747002419 ..Dr. Henry Anderson
Reply to Henry Anderson
Posted by: Williams | 2016/12/28 01:12
Are you in any financial difficulty and need money urgently? Do you need a loan to setting up a new business or to expand your business urgently? Do you need a loan to pay off your bills or buy a house, car, or a personal loan? Are you confuse and don't know what to do to get a loan? Worry no more because we will put an End to your Poverty by giving you a loan urgently. We offer loan at 2% per annual. E-mail us williams_ricks@yahoo.com Full name........................... Country..................................... Contact Address............................ Telephone number.................................... Occupation.......................................... Age........................................................... Purpose of loan......................................... Loan Amount............................................ Loan duration............................
Reply to Williams
Posted by: Anonymous | 2016/10/22 11:07
I've been reluctant to apply for a loan online because i know for a fact there fake Lenders" out there, but i was convinced that it really works when my friend at my place of work got a loan from fidelity loan finance & we confirmed it, without delay i gave it a go. I've Lend cash from Fidelity loan financial & the money has been in my own account in less than 48 hrs. So glad i gave it a try at last and has changed my life real good though its Legit!! You can email on fidelityloanfinancial(at)gmail(dot)com or website on www(dot)fidelityloanfirm(dot)webs(dot)com
Reply to Anonymous
Posted by: Anonymous | 2016/10/22 11:06
I've been reluctant to apply for a loan online because i know for a fact there fake Lenders" out there, but i was convinced that it really works when my friend at my place of work got a loan from fidelity loan finance & we confirmed it, without delay i gave it a go. I've Lend cash from Fidelity loan financial & the money has been in my own account in less than 48 hrs. So glad i gave it a try at last and has changed my life real good though its Legit!! You can email on fidelityloanfinancial(at)gmail(dot)com or website on www(dot)fidelityloanfirm(dot)webs(dot)com
Reply to Anonymous
Posted by: Morrungulo | 2016/04/02 05:55
At the rate our government is destroying the value of the rand it may be prudent to hedge a portion of your investment cash offshore in GBP. - 10 years ago a pound cost R10.70 now R20.90! Not a bad 100% growth. Save offshore and maybe in 10-15 years you may just be swopping each GBP1000 monthly tranche for R40,000. Not a quick fix but time in the market may reduce your risk?
Reply to Morrungulo
Posted by: lucky HL | 2014/04/24 15:33
I am training as a junior engineer at esokm very interested in enterpreneurship,the world of investment, accumulation of wealth but is seems like i fail to understand the simple rules of each, SOLO JHB please tell me how the growth of property in SA by 6.3% AND inflation of 6.3% makes it the worst idea to invest in property.
Reply to lucky HL
Posted by: Anonymous | 2013/09/05 15:54
No mention of ETFs and shares in any of these 'tips'. It seems Unit Trusts and 'product's are the only thing these financial gurus can come up with. Pity, their loss :)
Reply to Anonymous
Posted by: Nick | 2013/09/05 17:28
Hi Anonymous You are quite right, shares and ETF's are a great form of investment. If you know what you are doing and watch the markets every day. They are however a very aggressive form of investing and considering the lady in question only has just over 20 years to retirement it would be foolish to take that risk as she does not seem have a fall back in the case of either one performing badly. If you are making money however, well done!
Posted by: Markham Adams | 2013/09/05 14:38
The Real (take note of the punt) focus should be aggressive/real Returns for your Money. Investing your money with gurantees of 50% below inflation rate is precisely why 80% retire poor, both financially & physically. Invest first in your Health, all three (3) yes three facets of it ( Soul, Mind & Body) then retirement will be a absoluut blast.
Reply to Markham Adams
Posted by: JP van der Watt | 2013/09/05 12:27
Whoever decided that the 40 year plan was a good idea must’ve been nuts! How can life be fun to work for 40 hours a week, for 40 years and retire on 40% of your income? If you start working at the age of 25 and you are lucky to retire at 65 you will only earn 480 pay checks. Deduct all the tax you need to pay; you end up with 280 pay checks. Only 280 pay checks! That is way 96% of people is either dead, or dead broke at the age of 65, 3% can afford to retire and only 1% can retire being wealthy. If you are sick and tired of this thing called a JOB and want to make a change in your life please do contact me. I’m working on a 2-5 year plan, where I can retire after 5 years of hard work. I can do this through a fun and innovative business model called social entrepreneurship. So if you are looking at escaping the rat race feel free to contact me at jpwatt7@gmail.com. To your success!
Reply to JP van der Watt
Posted by: Anonymous | 2013/09/05 11:29
Yes. What about property?
Reply to Anonymous
Posted by: Anonymous | 2013/09/05 13:36
So true! to make matters worse no the inflation rate is on average 6%. However there is a different inflation rate that no one talks about that is called household inflation. To achieve the authors figure you would have to earn at least a 13% return on your investment. The truth is you are wasting your time with these type of investments. You are making other people rich with your money, and you will have nothing at retirement. If you want to learn look up Dr Hannes Dreyer or Work your wealth. Ask people like this author how many people has he hellped to be well off at his retirement age. The only one will be him who is getting rich on the commisions of your money, not you
Posted by: SoloJHB | 2013/09/05 13:29
SA Property is currently growing at 6.3% and inflation is 6.3%. Property is the worst idea. Aggressive saving and aggressive investing is this persons only saviour
Posted by: Nicky | 2013/09/05 11:22
No mention of property ...
Reply to Nicky

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