Tuesday, June 24, 2014

Five Years after the Financial Meltdown: The State of the US Economy and College Grads


The LA Times has provided a good detailed analysis of where we stand five years after the fiscal meltdown of 2008. The overall takeaway is that the richer are getting richer, and almost everyone else is suffering.  One important point is how much wealth and employment was lost during the Great Recession: “Over 19 months, the Great Recession erased trillions of dollars of wealth, destroyed 8 million jobs and robbed tens of thousands of their homes. More than half of adults lost a job or saw a cut in pay or hours, and almost everybody's wealth fell.” This incredible loss of wealth and income has been followed by an uneven recovery: although household net worth has increased to a record $81.7 trillion, this wealth has not been shared evenly.

One reason why the rich have gotten richer is that after the last stock market dive, people with extra cash were able to re-invest in stocks: the result is that “household assets in equities have more than doubled since 2008 to $20.6 trillion earlier this year.”  In fact, the wealthy have profited from the financial crisis: “Moreover, for the wealthy, a downturn or a slow recovery can provide advantages: With real interest rates near zero, the price of assets — investment property, securities, luxury goods and so forth — remains relatively cheap.”  Thus, as everyone saw their income and wealth decreased, if not wiped out, the rich were able to buy low and sell high. 

In terms of employment, all of the jobs that were lost during the Great Recession have returned, but they are different jobs:  “As of May, total employment in construction and manufacturing, where pay is relatively high, was down more than 3 million compared with before the recession. By contrast, restaurants, temporary help firms and retail outlets have added 3 million jobs, making them three of the fastest-hiring industries during the recovery. But their average hourly pay ranges from $12.35 for restaurants to $16.96 for retail, compared with $24.72 for manufacturing and $26.59 for construction.” In what is now called the polarized economy, there has been some job growth at the top, but most of the new jobs are low-paying service work.  As middle-class jobs are eliminated, middle-income families are still recovering from a loss of over two trillion dollars in home equity.  The end result is that the median household net worth is now lower than what it was in the late 1990s. 
For recent college graduates, the news is ever worse: “Underemployment has become a vexing problem. Four out of 10 recent college graduates have jobs that typically do not require a bachelor's degree, and many of the positions don't pay much. And the job market is a lot worse for those without a bachelor's degree.”  If we add together the underemployment and employment rates for recent college graduates, it is now over 50%, and of course, these young people hold a high level of student debt: “The college class of 2014 is the most indebted ever, keeping many from going out on their own and helping boost a shortage of first-time home buyers.”  In other words, student debt is depressing the economy, which then reduces job opportunities in a vicious cycle.
On the same day the LA Times article appeared, a story in The New YorkTimes Magazine, further documented the plight of recent college graduates: “The problem for college graduates began well before the Great Recession, around 2000, as employment demand stirred by the computer revolution started to wane. Specifically, there's evidence of sharply curtailed opportunities for people in so-called cognitive-task occupations, those typically associated with college graduates.” While we continue to hear stories about the need for more college graduates, especially in the STEM areas, the reality is that these jobs make up less than 5% of the labor market, and the wages in these areas have been driven down by the high number of applicants for each job.
As young people find themselves facing low-paying jobs and high debt repayments, they have been forced to delay their lives and return back to their parents: “One in five people in their 20s and early 30s is currently living with his or her parents. And 60 percent of all young adults receive financial support from them. That’s a significant increase from a generation ago, when only one in 10 young adults moved back home and few received financial support. The common explanation for the shift is that people born in the late 1980s and early 1990s came of age amid several unfortunate and overlapping economic trends. Those who graduated college as the housing market and financial system were imploding faced the highest debt burden of any graduating class in history. Nearly 45 percent of 25-year-olds, for instance, have outstanding loans, with an average debt above $20,000.”  As more college graduates rely on their parents to support them, we have to ask what happens to the young people who do not have parents with extra resources.
As several economists have shown, if you have the bad luck of graduating college during an economic downturn, your entire life can be affected: “And more than half of recent college graduates are unemployed or underemployed, meaning they make substandard wages in jobs that don’t require a college degree. According to Lisa B. Kahn, an economist at Yale University, the negative impact of graduating into a recession never fully disappears. Even 20 years later, the people who graduated into the recession of the early ’80s were making substantially less money than people lucky enough to have graduated a few years afterward, when the economy was booming.” Adding insult to injury, the people who will suffer a life of lower income will also be the ones having to pay back the most amount of debt.
Adam Davidson argues that the reason for this crisis stems from political and economic decisions made over the last 34 years: “Since 1980, the U.S. economy has been destabilized by a series of systemic changes — the growth of foreign trade, rapid advances in technology, changes to the tax code, among others — that have affected all workers but particularly those just embarking on their careers.”  Like so many journalists and economists, Davidson does not mention de-unionization, financialization, and profit-hording.  The fact is that corporations continue to make huge profits, but nothing is forcing them to share their wealth with labor.   Meanwhile, the entire economy is rigged to make the wealthy wealthier.
In a typical analysis of what has happened to the American worker since 1978, Davidson refuses to look at the loss of labor power and ascendency of management power: “But we now know that, during the ’70s, this system was becoming unhinged. Computer technology and global trade forced manual laborers to compete with machines at home and with low-wage workers in other countries. The changes first affected blue-collar workers, but many white-collar workers performing routine tasks, like office support or drafting or bookkeeping, were also seeing their job prospects truncated. At the same time, these developments were hugely beneficial to elite earners, who now had access to a larger, global market and productivity-enhancing technology. They were assisted by changes in government policy — taxes were cut, welfare programs were eliminated — that further rewarded the wealthy and removed support for the poor.”  Yes, the welfare state has been reduced through tax cuts and anti-government politics, but businesses embraced an intentional strategy of destroying labor power and increasing profits at the top.  In contrast, in Northern Europe, where most of the workers are unionized and participate in workplace decision-making, high economic productivity has been combined with low-income inequality and fortified social programs.  There are simply better and fairer ways of doing things.

80 comments:

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

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    ReplyDelete
  20. It really is teeming with scammers on the internet, really not normal. In one week I lost 500usd for payments. I had inquiries made ??at Dandy Cash.com
    came just disappointed. I would recommend anyone to advertise on the site.I’ve only tried it a different website, and when I had finally found someone
    who was still honest (lindaparkerloancompany@gmail.com) Because he asked me in advance, but doubted he could give evidence and so I took the risk anyway
    and I was able to borrow from him. 30000usd,please dont email anybody said to be a loan lender in this website because they are all scams,they
    disappoint me and run away with my 500usd,Mrs linda parker is the only one i trust because he gave me the loan i needed,,please do not email anyone in
    this website because they are scams they pretend to be loan lenders they rip people of their hard earned money the USA Attorney General Of Police are
    searching for this guys in the internet right now so dont email this guys please they will rip you off like they did to me..

    ReplyDelete
  21. LOAN OFFER AT 3.23% INTEREST LOW RATE VISIT US VIA WEBSITE AT http://www.rickwalterlendingfirm.mw.lt/ FOR BETTER SERVICE

    REGARDS..

    ReplyDelete
  22. Do you need 100% Finance? I can service your financial need with less pay back problem that is why we fund you for just 3%. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us at:jorgebeckerloans@gmail.com

    Apply now for all kinds of loans and get money urgently!

    * Appointments in the amount ranging from $1,000 to $50,000, 000.00
    * The interest rate is at 3%
    * Choose between 1 and 40 years of repayment.
    * Choose between Monthly and annual repayment plan.
    * Terms and conditions of the loans flexibility.

    All these plans and more, please contact us.
    1. Full Names:............................
    2. Contact Address:.......................
    3. Loan Amount Needed:....................
    4. Duration of the Loan...................
    5. Direct Telephone Number:...............
    6.Loan Duration:..........................
    Email:(jorgebeckerloans@gmail.com)
    Best Regards,
    Mr Jorge Becker

    ReplyDelete
  23. Hello,

    Dear Loan Seekers i am Mrs Ashley from United State of America (USA) i have been searching for a loan for more than 2years and all lenders i have been in touch with have rip me off more than $4000,00 i thought there is no way i can get a loan online not on till the day a friend of mine called Grace George directed me to a legit and genuine loan lender called Mr Wayne who lend me a loan of $19,000.00, am a happy woman today and i promise myself that i will keep posting online about the good that Mr Wayne has done in my life if you need a loan contact him and get fast approval today (wayne.matthewloanhome@outlook.com) Thanks.

    ReplyDelete
  24. Good-day,

    I'm Mr. Carlos Stev. A reputable, legitimate & accredited lender. We give out loan of all kinds in a very fast and easy way, Personal Loan, Car Loan, Home Loan, Student Loan, Business Loan, Inventor loan, Debt Consolidation. etc

    Get approved for a business or personal loans today and get funds within same week of application. These personal loans can be approved regardless of your credit and there are lots of happy customers to back up this claim. But you won’t only get the personal loan you need; you will get the cheapest one. This is our promise: We guarantee the lowest rate for all loans with free collateral benefits.

    We strive to leave a positive lasting impression by exceeding the expectations of my customers in everything I do. Our goal is to treat you with dignity and respect while providing the highest quality service in a timely manner.

    No social security Number required and no credit check required, 100% Guaranteed.

    So email: carlos_stev@yahoo.co.uk today to apply for a LOAN.

    ReplyDelete




  25. Dear Valued Borrower,

    Getting legit loan is always a big problem to people in financial needs. The issue of credit is something loan seekers are always concern about in searching for a legit lending company.our Loan is given at 3% interest rate. The minimum loan we offer is $3000 why the maximum loan amount is $10,000,000.00. It's also given in Us dollars, Pounds, Euro and Rand. If interested in obtaining loan from us fill the form below.

    Email...jameswaltonloancompany@gmail.com
    LOAN APPLICATION FORM

    Names: ...................
    Address:..................
    Country: .................
    State:....................
    City:......................
    Zip/Code:.................
    Phone Number:...........
    Fax:.......................
    Date Of Birth:............
    Gender:....................
    Marital Status:..........
    Occupation:..............
    Loan Amount:..........
    Loan Purpose:...........
    Duration:...................
    Monthly income:......
    The website name where you found our advert:.........
    Have you applied before:.........

    As soon as you fill the above details, it shall be forwarded to our Protocol / Verification Department for immediate and onward review and processing of your application.

    Regards,

    Mr James Walton

    ReplyDelete

  26. Dear Sir/ Madam

    Are you interested in obtaining a loan at an interest rate of 3%, you

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    purchase bad credit card and other E.T.C we give out long term loan

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    well tell us the amount you need so that we will send to you the terms and

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    Loans issued in Great British Pounds and U.S. dollar.


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    Running your business. you can kindling reach us via < ponyeefastloan.ch@cash4u.com << <<< ponyeecashloan@gmail.com >

    ReplyDelete
  27. Do you need 100% Finance? I can service your financial need with less pay back problem that is why we fund you for just 3%. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us at:jorgebeckerloans@gmail.com

    Apply now for all kinds of loans and get money urgently!

    * Appointments in the amount ranging from $1,000 to $50,000, 000.00
    * The interest rate is at 3%
    * Choose between 1 and 40 years of repayment.
    * Choose between Monthly and annual repayment plan.
    * Terms and conditions of the loans flexibility.

    All these plans and more, please contact us.
    1. Full Names:............................
    2. Contact Address:.......................
    3. Loan Amount Needed:....................
    4. Duration of the Loan...................
    5. Direct Telephone Number:...............
    6.Loan Duration:..........................
    Email:(jorgebeckerloans@gmail.com)
    Best Regards,
    Mr Jorge Becker

    ReplyDelete
  28. Good Day To Everybody In this site i want to testify how i was rescue by Mr Richy Walters When i was Rip off I’m Mrs Castro vannesa by Name. I live in USA, i want to use this medium to alert all loan seekers to be very careful because there are scams everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mr jOHAN Morrison who lend me a loan of $30,000 under 8hours without any stress. If you are in need of any kind of loan just contact him via email......skypebankloanfirm@gmail.com i am using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mr Richy Walters pray that God should give him long life. God bless him forever for the good things he has done in my life. Mrs Castro Vannesa.

    ReplyDelete
  29. Do you need 100% Finance? I can service your financial need with less pay back problem that is why we fund you for just 2%. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us at:jorgebeckerloans1@yahoo.com

    Apply now for all kinds of loans and get money urgently!

    * Appointments in the amount ranging from $1,000 to $50,000, 000.00
    * The interest rate is at 2%
    * Choose between 1 and 40 years of repayment.
    * Choose between Monthly and annual repayment plan.
    * Terms and conditions of the loans flexibility.

    All these plans and more, please contact us.
    1. Full Names:............................
    2. Contact Address:.......................
    3. Loan Amount Needed:....................
    4. Duration of the Loan...................
    5. Direct Telephone Number:...............
    6.Loan Duration:..........................
    Email:(jorgebeckerloans1@yahoo.com)
    Best Regards,
    Mr Jorge Becker

    ReplyDelete
  30. Good Day

    We are Christian Organization formed to help people in needs of helps,such as financial help.So if you are going through financial
    difficulty or you are in any financial mess,and you need funds to start up your own business,or you need loan to settle your debt or pay
    off your bills,start a nice business, or you are finding it hard to obtain capital loan from local banks, for the bible says""Luke 11:10
    Everyone who asks receives; he who seeks finds; and to him who knocks, the door will be opened"so do not let these opportunity pass you by
    because Jesus is the same yesterday, today and forever more.Please these is for serious minded and God fearing People.
    Email Us scott_utah308@hotmail.com

    You are advise to fill and return the details below..

    LOAN APPLICATION FORM

    Name of applicant:................
    Country:................................
    Occupation:...........................
    Sex:.......................................
    Purpose of loan:....................
    Age:......................................
    Phone:..................................
    Amount needed:...................
    Loan Duration:.....................
    Monthly income:..................

    ReplyDelete
  31. Do you need 100% Finance? I can service your financial need with less pay back problem that is why we fund you for just 2%. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us at:jorgebeckerloans@gmail.com

    Apply now for all kinds of loans and get money urgently!

    * Appointments in the amount ranging from $1,000 to $50,000, 000.00
    * The interest rate is at 2%
    * Choose between 1 and 40 years of repayment.
    * Choose between Monthly and annual repayment plan.
    * Terms and conditions of the loans flexibility.

    All these plans and more, please contact us.
    1. Full Names:............................
    2. Contact Address:.......................
    3. Loan Amount Needed:....................
    4. Duration of the Loan...................
    5. Direct Telephone Number:...............
    6.Loan Duration:..........................
    Email:(jorgebeckerloans@gmail.com
    Best Regards,
    Mr Jorge Becker

    ReplyDelete




  32. 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. JAMES WALTON LOAN COMPANY. 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 contact us, Kindly respond
    immediately to this Email... (jameswaltonloancompany@gmail.com)

    BORROWERS INFORMATION'S:
    First Name:
    Last Name:
    Country:
    Contact Address:
    Current Position Held at Place of Work:
    Monthly income:
    City/Zip Code:
    State:
    Gender:
    Date of birth (yyyy-mm-dd):
    Nest of kin:
    Tel:

    LOAN INFORMATION
    Amount Needed:
    Purpose For The Loan:
    Loan Term & Duration:
    Telephone:
    Name Of Company (For company owners)::.....
    Your international passport or drivers license is:
    Have you applied for loan before (yes or no)..

    Best Regards.

    Mr James Walton

    C.E.O

    ReplyDelete
  33. God has bless me with three kids and a loving husband, i promise to share this Testimony because of God favor in my life, 3 months ago i was in desperate need of money so i thought of having a loan then i ran into wrong hands who claimed to be a loan lender not knowing he was a scam. He collected $1,650 from me and refuse to email me, since then i was confuse,but God came to my rescue, one faithful Sunday i went to church after the service i share idea with a Church member and she introduce me to a loan agency called Mrs Kate Alexandra said she was given $300,000 by the loan agency. I collected the loan agency email address and i emailed them on Monday morning, he told me the rules and regulation and i followed. After processing of the Documents she gave me a loan of $700,000 . Anyone can contact her through: kateloancompany22@gmail.com and i know that he must lend because they are the best.

    ReplyDelete
  34. Thank you for another great article. Where else could anyone get that kind of information in such a perfect way of writing? I have a presentation next week, and I am on the look for such information.

    Recommended Private Home Tuition Agencies in Singapore & cheap home tuition rates in Singapore

    ReplyDelete

  35. MY TESTIMONY FROM A LEGITIMATE MONEY LENDER
    Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dennis Hopkins Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email: dennishopkins_financehome@live.com or dennishopkins69@yahoo.com or www.dennishopkinsfinance.de.vu Tel: USA +12404374240 .He is a trust worthy man. No Upfront Fees

    ReplyDelete
  36. Hello,

    Dear Loan Seekers i am Mr. Anthony Pasco from United State of America (USA) i have been searching for a loan for more than 2 years and all lenders i have get in touch with have rip me off more than $3,300.00, i thought there is no way i can get a loan on line not on till the day a friend of mine called James Butler direct me to a legit and genuine loan lender called Mr. Raj Thomas who lend me a loan of $95,000.00, am a happy man today and i promise my self that i will keep posting on line about the good thing that Mr. Raj Thomas has done in my life if you need a loan contact him today (rajthomasloanfirm@gmail.com) thanks for taking your time to read my story.

    ReplyDelete
  37. ICC Mortgage And financial Services,Is a sincere and certified private Loan company approved by the Government,we give out international and local loans to all countries in the world,Amount given out $2,500 to $100,000,000 Dollars, Euro and Pounds.We offer loans with a dependable guarantee to all of our clients. Our loan interest rates are very low and affordable with a negotiable duration.
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    installment payments.
    {nicholasbrush.cc@gmail.com}

    Regards,
    Nicholas Brush

    ReplyDelete
  38. Hello Everybody,


    My name is Mrs.Juliet Quin. I live in Canada 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 $30,000.00 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 $30,000.00 Canada 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.Juliet Quin that refer you to him. Contact Mr.Lim Koh via email: (lim.koh56@yahoo.com)

    ReplyDelete
  39. I am Marie Landleven by name, currently living in California, USA. I am a widow at the moment with two kids and i was stuck in a financial situation in April 5th 2015 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Woman of God a private loan lender who gave me a loan of $108,000USD and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 2% interest rate and better repayment plans and schedule, please contact Mrs Julian Smith He doesn't know that am doing this but am so happy now and i decided to let people know more about her and also i want God to bless her more.You can contact her through her email: juliansmith14@hotmail.com OR view their Website: http://juliansmithsloan20.wix.com/julianloan

    ReplyDelete
  40. Hello,

    Are you in need of loan?? you can get your problems solve when you run to him . Am Mrs Anna . From U.S.A , last week Monday, I was looking for loan to pay for my bills , so i get myself into the hand of different scams and i was scams by different lender, If not for Mrs ,Mercy who is my good friend introduce me to Mr Larry Jeff (C.E.O) Larry Jeff Loan Company, and he help me with a loan of $20.000 without stress . So My good people of U.S.A , you can contact him via Email: larry.jeffloan3@gmail.com And don't forget to tell him,that i introduce you to his company

    ReplyDelete
  41. Hello Sir/Madam. I am Mr. Ahmadu Kashim, a private money lender. I give out loans with an interest rate of 3% 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. EMAIL : ahmadukashimloaninvestment@gmail.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. 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. Email: ahmadukashimloaninvestment@gmail.com


    Best Regards,


    Ahmadu Kashim

    ReplyDelete
  42. Do not use all of these Private Money Lender here, there are not legitimate and if they have a free email account tag i.e. yahoo, gmail, hotmail, live etc then they are not legitimate. If they have telephone number with international dialing codes from Nigeria, India, UK, Singapore and France then you have to beware. A legitimate company would have a genuine website, personalized email address/account and based in the country they claim they are. I would recommend anyone looking a a serious/honest loan lender to visit: DAVID HERLEY FINANCE HOME BASED IN THE USA and their reputation speaks louder than others in the industry when it come to obtaining all kinds of loan, mortgage, debt consolidation and Real Estate Loans. Their full website information and contact details are tel no: +1 (321)-323-1809, Website: www.dherleyfinancehome.net or Email: loans@dherleyfinancehome.net located in Orlando, Florida. USA. Skype: dherleyfinance

    ReplyDelete
  43. Do not use all of these Private Money Lender here, there are not legitimate and if they have a free email account tag i.e. yahoo, gmail, hotmail, live etc then they are not legitimate. If they have telephone number with international dialing codes from Nigeria, India, UK, Singapore and France then you have to beware. A legitimate company would have a genuine website, personalized email address/account and based in the country they claim they are. I would recommend anyone looking a a serious/honest loan lender to visit: DAVID HERLEY FINANCE HOME BASED IN THE USA and their reputation speaks louder than others in the industry when it come to obtaining all kinds of loan, mortgage, debt consolidation and Real Estate Loans. Their full website information and contact details are tel no: +1 (321)-323-1809, Website: www.dherleyfinancehome.net or Email: loans@dherleyfinancehome.net located in Orlando, Florida. USA. Skype: dherleyfinance

    ReplyDelete
  44. Do not use all of these Private Money Lender here, there are not legitimate and if they have a free email account tag i.e. yahoo, gmail, hotmail, live etc then they are not legitimate. If they have telephone number with international dialing codes from Nigeria, India, UK, Singapore and France then you have to beware. A legitimate company would have a genuine website, personalized email address/account and based in the country they claim they are. I would recommend anyone looking a a serious/honest loan lender to visit: DAVID HERLEY FINANCE HOME BASED IN THE USA and their reputation speaks louder than others in the industry when it come to obtaining all kinds of loan, mortgage, debt consolidation and Real Estate Loans. Their full website information and contact details are tel no: +1 (321)-323-1809, Website: www.dherleyfinancehome.net or Email: loans@dherleyfinancehome.net located in Orlando, Florida. USA. Skype: dherleyfinance

    ReplyDelete
  45. Do not use all of these Private Money Lender here, there are not legitimate and if they have a free email account tag i.e. yahoo, gmail, hotmail, live etc then they are not legitimate. If they have telephone number with international dialing codes from Nigeria, India, UK, Singapore and France then you have to beware. A legitimate company would have a genuine website, personalized email address/account and based in the country they claim they are. I would recommend anyone looking a a serious/honest loan lender to visit: DAVID HERLEY FINANCE HOME BASED IN THE USA and their reputation speaks louder than others in the industry when it come to obtaining all kinds of loan, mortgage, debt consolidation and Real Estate Loans. Their full website information and contact details are tel no: +1 (321)-323-1809, Website: www.dherleyfinancehome.net or Email: loans@dherleyfinancehome.net located in Orlando, Florida. USA. Skype: dherleyfinance

    ReplyDelete
  46. Good Day,


    We Offer Private, Commercial and Personal Loans with very Minimal annual Interest Rates as Low as 0.3% within a 1 year to 20 years repayment duration period to any part of the world. We give out loans within the range of $5,000 to $90,000,000 USD. Our loans are well insured for maximum security is our priority.

    Are you losing sleep at nights worrying how to get a Legit Loan Lender? Are you biting your fingernails to the quick? Instead of beating yourself up,contact the Exxon Mobil Finance now, Loan specialists who help stop Bad Credit History, to discover a win-win solution which is Our Mission.

    Interested Persons should fill out the Application Form below. E-mail us Att; exxonmobil191@outlook.com
    1)Full Names:............
    2)Sex:.................
    3)Age:........................
    4)Country:.................
    5)Phone Number:........
    6)Occupation:..............
    7)Monthly income:......
    8)Loan Amount Needed:.....
    9)Loan Duration:...............
    10)Purpose of Loan:...........

    Thanks For Your Co-operation

    Mr. Rico Stone.
    E-mail: exxonmobil191@outlook.com

    ReplyDelete
  47. Hello everyone, My name Mrs Bella Rose,I am from the U.S, am here to testify of how i got my loan from Mr Rev Victor after i applied two times from various loan lenders who claimed to be lenders right in this forum,i thought their lending where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mr Rev Victor the C.E.O of ocean finance Loan company who promised to help me and indeed he did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Rev Victor,who is indeed helped with the loan and changed my life for better. I dont know if you are in need of a genuine and urgent loan, free feel to contact Mr Rev Victor via his email{consumerloanfirm@gmail.com} for help Mrs Bella Rose

    ReplyDelete

  48. Good day everyone. I am Johnson Cilva, a citizen of Georgia USA, I will love to share this great testimony that took place in my life for everyone to know it and be partaker of it that is why I always place it on answer, I want to thank ( Mr Rathan Charod ) for his kindness upon my family. Just a few months Back, I was in search of a loan of $75,000.00 as I was running out of money for my business and i could not pay my bills anymore. I was scammed $8,500 and I decided not to get involve in such business again I never knew that a real lender like ( Rathan Charod Company ) still exist on internet and on earth here. until a Friend of mine introduced me to ( rathancharodloancompany@gmail.com ) due to my appearance and doings. At first I told him I was not interested in any loan deal anymore then he assure me that ( Mr Rathan Charod ) is a genuine lender, though i never believed him, I made a trial and I am glad i did, I was given a loan amount of $75,000.00, by this Company ( Rathan Charod Loan Company ) managed by (Mr Rathan Charod) If you are in need of a genuine, legit loan or any financial assistance and you can be reliable, trusted and capable of paying back at the due time of the funds I will advice you to contact:( rathancharodloancompany@gmail.com ) and you be free from scams on the internet. All thanks to Mr Rathan Charod Loan Company for restoring life unto my business

    Affordable Loan Offer Apply Now

    ReplyDelete


  49. Are you seeking for a legitimate lender from the internet? My name is Kathie Smith, United State.please i want to advice you to beware of loan from the China and any part of Malaysia because they are all scammers. I have been scammed over 6 times until i came across a loan company from United State. They are so wonderful and serious minded company. I would advice you contact them if you are in need of loan of any kind(personal or business) because i got a loan from them without any stress after meeting their requirement. Their contact info is: http://www.dennishopkinsfinancehome.com/ or dennishopkins_financehome@live.com or dennishopkins69@yahoo.com Tel: USA +12404374240 Skype ID:roger.n.william

    ReplyDelete


  50. Are you seeking for a legitimate lender from the internet? My name is Kathie Smith, United State.please i want to advice you to beware of loan from the China and any part of Malaysia because they are all scammers. I have been scammed over 6 times until i came across a loan company from United State. They are so wonderful and serious minded company. I would advice you contact them if you are in need of loan of any kind(personal or business) because i got a loan from them without any stress after meeting their requirement. Their contact info is: http://www.dennishopkinsfinancehome.com/ or dennishopkins_financehome@live.com or dennishopkins69@yahoo.com Tel: USA +12404374240 Skype ID:roger.n.william

    ReplyDelete


  51. Are you seeking for a legitimate lender from the internet? My name is Kathie Smith, United State.please i want to advice you to beware of loan from the China and any part of Malaysia because they are all scammers. I have been scammed over 6 times until i came across a loan company from United State. They are so wonderful and serious minded company. I would advice you contact them if you are in need of loan of any kind(personal or business) because i got a loan from them without any stress after meeting their requirement. Their contact info is: http://www.dennishopkinsfinancehome.com/ or dennishopkins_financehome@live.com or dennishopkins69@yahoo.com Tel: USA +12404374240 Skype ID:roger.n.william

    ReplyDelete
  52. Hello,

    I am Mr. Oscar James, We give out loans at an interest rate of 2% and i give out all kinds of loan you ever wanted.

    If you need a loan, all you have to do is to find a place were legit loans are found.

    I can produce any amount of loan you can think of, so what are you waiting for, apply now and let's get your loan running and processing today.

    If you need a loan today, apply through the following:

    Company's Email: oceanfinancials.uk.net@gmail.com

    Company Website: http://oceanfinancialsloanfirm.webs.com/

    Mobile No: +233231371120

    I will be glad if you apply today and get your loan to solve your various problems.

    Best regards,

    Mr. Oscar James

    ReplyDelete
  53. get your Affordable XMAS loan that will change your life for ever,I am Dr. barry a certified loan lender,I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because i will make you smile.Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies.We have brought ailing industries back to life and we back good business ideas by providing funds for their up start.We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.i want you to understand the fact that i Dr.barry is out to help the less financial privilege get back on track by providing all type of loans to them (E.G) mortgages,home loans business loans and bad credit loans commercial loans,start-up- working capital loans, construction loans,car loans,hotel loans,and student loans,personal loans, Debts Consolidation Loans,what are you waiting for asap why don’t you try Dr.barry Loan home and be free from debts any interested client should contact me asap (birrylapomicrofianacebank@gmail.com

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

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

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

    ReplyDelete
  57. Good everyone.
    My name Mrs, Renee Phillips, i am from USA CA , i am married, i have been searching for a genuine loan company for the past 2 years and all i got was bunch of scams who made me to trust them and at the end of the day, the took all my money and left me moneyless, all my hope was lost, i got confused and frustrated, i lost my job and find it very difficult to feed my family, i never wanted to do anything will loan companies on net anymore, so went to borrow some money from a friend, i told her all that happened and she said that she can help me, that she knows a loan company that can help me, that she just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my surprise i got the loan in 24 hours, i could not believe my eyes, i am happy and rich today and i am thanking God that such loan companies like this still exist upon this fraud stars all over the places, please i advise everyone out there who are in need of loan to go for Mr. Robert .M. Clark Email via ; ( robert.clark071@gmail.com ). he did not know am doing this for him,but i just have to do it because a lost of people are out there who are in need for a loan., they will never fails, your life shall change as mine did.

    Thanks and Good Luck.

    ReplyDelete
  58. Good everyone.
    My name Mrs, Renee Phillips, i am from USA CA , i am married, i have been searching for a genuine loan company for the past 2 years and all i got was bunch of scams who made me to trust them and at the end of the day, the took all my money and left me moneyless, all my hope was lost, i got confused and frustrated, i lost my job and find it very difficult to feed my family, i never wanted to do anything will loan companies on net anymore, so went to borrow some money from a friend, i told her all that happened and she said that she can help me, that she knows a loan company that can help me, that she just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my surprise i got the loan in 24 hours, i could not believe my eyes, i am happy and rich today and i am thanking God that such loan companies like this still exist upon this fraud stars all over the places, please i advise everyone out there who are in need of loan to go for Mr. Robert .M. Clark Email via ; ( robert.clark071@gmail.com ). he did not know am doing this for him,but i just have to do it because a lost of people are out there who are in need for a loan., they will never fails, your life shall change as mine did.

    Thanks and Good Luck.

    ReplyDelete
  59. Hello Everybody, My name is.Mrs.Patrizia Borelli. I live in italy 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 $ 54,000.00 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 $ 54,000.00 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.Patrizia Borelli that refer you to him. Contact Mr. Ben Williams via email: reply to email (skycreditfinancialaids@gmail.com)

    LOAN APPLICATION FORM:
    =================
    Full Name:................
    Loan Amount Needed:.
    Purpose of loan:.......
    Loan Duration:..
    Gender:.............
    Marital status:....
    Location:..........
    Home Address:..
    City:............
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    Mobile / Cell:....
    Occupation:......
    Monthly Income:....

    With Regard,
    Mr. Ben William

    ReplyDelete
  60. Attention All,
    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? Well you are in the right place and we are here to make your dream come to reality, we offer personal loans,business loans, combination loans, students loans, consolidation loans and so more [secure and unsecured]. We give out loan with low interest rate of 3% and even with low credit score. So do visit us now via {clydesdaleloancompany@yahoo.com or clydesdaleloancooperation@hotmail.com} or Tel: (347) 708-8926

    Thanks for your cooperation
    George Clydesdale...

    ReplyDelete
  61. Hello Every One,
    My Name is Mrs Barbara Arnold, i live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life as i am a struggling mum with three kids and i have been going through a serious problem as my husband encountered a terrible accident last two weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again and i could not afford the bill for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i run to my father and he was not able to help, then when i was browsing through yahoo answers and i came across a loan lender Mr Bruce Brandon who provides loans at an affordable interest rate and i have been hearing about so many scams on the Internet but at this my desperate situation, i had no choice than to give it an attempt and surprisingly it was all like a dream, i received a loan of $55,000 USD and i payed for my husband surgery and thank GOD today he is okay and can walk and is working and the burden is longer so much on me any more and we can feed well and my family is happy today and i said to my self that i will shout aloud to the world of the wonders of GOD to me through this GOD fearing lender Mr.Bruce Brandon and i will advise anyone in genuine and serious need of loan to contact this GOD fearing man via ( bruce.brandon071@hotmail.com ) and i want you all to pray for this man for me



    THANKS

    ReplyDelete
  62. HOW I GOT MY LOAN

    Greetings to everyone reading this comment!!!

    I am Greg William by name. I am out here to recommend the effort of Roberth Tomson, I was in need of a consolidation loan amount of 50,000 and as soon as I got in contact with Roberth Tomson Loan Firm on Wednesday last week and on Friday last week as well I receive an alert from my bank(Royal Bank of Scotland Group) that the fund was transferred,I want everybody on this site to contact Roberth Tomson now via email on how to get a loan because I got my loan from them and I am very happy,so contact them now.

    Email: roberth.tomson@hotmail.com

    Thanks!!!!!!

    ReplyDelete
  63. Good everyone.
    My name Mrs, Renee Phillips, i am from USA CA , i am married, i have been searching for a genuine loan company for the past 2 years and all i got was bunch of scams who made me to trust them and at the end of the day, the took all my money and left me moneyless, all my hope was lost, i got confused and frustrated, i lost my job and find it very difficult to feed my family, i never wanted to do anything will loan companies on net anymore, so went to borrow some money from a friend, i told her all that happened and she said that she can help me, that she knows a loan company that can help me, that she just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my surprise i got the loan in 24 hours, i could not believe my eyes, i am happy and rich today and i am thanking God that such loan companies like this still exist upon this fraud stars all over the places, please i advise everyone out there who are in need of loan to go for Mr. Robert .M. Clark Email via ; ( robert.clark071@gmail.com ). he did not know am doing this for him,but i just have to do it because a lost of people are out there who are in need for a loan., they will never fails, your life shall change as mine did.

    Thanks and Good Luck.

    ReplyDelete
  64. Good morning my dear brothers and sisters in Christ, I am Mr Richy Walters, a reputable, legitimate and accredited money lender. I loan money to Christians and trust worthy people in need of financial assistance at 3% interest rate. Do you have a bad credit or are in need of money to pay bills? Let me take this medium to inform you that I assist beneficiary reliable as I'll be glad to offer you a loan from a minimum of $5000 and above.Please write with the below information. After the reply, you will be sent a loan application form to fill. (There are no credit check, 100% Guaranteed!) I hope you will allow me to be of service to you. Sincerely. Contact us via email:skypebankloanfirm@gmail.com

    ReplyDelete
  65. Hello all,

    I am a private lender, i offer loan at 3% this is a legitimate company with honor and difference we are ready to help you out in any financial problem that you are we offer all type of loan so if you are interested in this loan offer kindly contact us on our email: andreasjamesfunds@outlook.com
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    Regards to you all

    ReplyDelete
  66. I live in UK London and i am a happy man 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 for 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 Cindy Giles, that refer you to him. contact Mr. Daniel Silva ,via email:( danielsilva59491@gmail.com )Thank you

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

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

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

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
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    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  69. Do you need a quick long or short term loan with a relatively low interest rate as low as 3%? We offer Xmas loan, business loan, personal loan, home loan, auto loan,student loan, debt consolidation loan e.t.c. no matter your score, If yes contact us via Email: finance2014911@gmail.com Fill The Loan Application Form Below Name............ Amount Needed........ Duration.......... Country............ Monthly income....... Age............. Phone Number........ Sex ................. Email................Business Plan/Use Of Your Loan:....... Apply now on this email :finance2014911@gmail.com Warm Regards Dr Purva Sharegistry

    ReplyDelete
  70. do you need a genuine loan for business purposes or to pay your debt contact Mr Kellie Wilson now for genuine loans via email: Oceanicfinance113@gmail.com

    ReplyDelete

  71. Do you need a loan,We are Legitimate and Reputable money Lender.
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    ReplyDelete
  72. Do you need Financial Assistance?
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    Kindly write us back with the loan information;
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    We look forward to hear from you ASAP.

    ReplyDelete
  73. Good day.

    I can't hide this great testimony that take place in my life I will love everyone to know it and be partaker that is why I always place it on answer, I am Mrs,Natalie Cuttaia by name, I live in Texas, United State Of America, I want to thank (Mr.Bruce Brandon) for his kindness upon my family life.

    I never knew that there is still nice lender like this on internet and earth here. Just some Months Back, I was in search for a loan of $100,000,00 as I was running out of money for feeding and rent. I was scammed $6,800 Dollars and I decided not to involve my self in such business again but a Friend of my introduced me to a loan firm due to my appearance and doings.

    And I told him that I am not interested of any loan deal anymore but he told me that there is still a nice lender who he will recommend me to, and I made a trial and I am most grateful lucky am I today, I was given a loan amount of $100,000.00usd, by this great Company (Bruce Brandon Loan Company) managed by (Mr. Bruce Brandon) If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds I will advice you to, contact him via: ( bruce.brandon071@gmail.com ) And you will be free from scams in the internet.

    All thanks to Mr.Bruce Brandon You are the one who remove me and my family out of poverty. The reason why i am doing this is that, i promise Mr.Bruce Brandon that if i truly got my loan, i will advertize his company and bring customers to his company. Contact him via ( bruce.brandon071@gmail.com )for the Loan you have been looking for..

    ReplyDelete
  74. Good Day.

    Are you in any kind of financial difficulties? Your help comes now. Are you having sleepless night worrying how to get a Loan?Don't allow your dreams to die, or are you looking for whom to trust or have you been scammed by INTERNET fraud stars, or you have been turned down by other financial company contact PRIVATE LOAN COMPANY today for easy and reliable contact us via email: privateloantrust@gmail.com

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    ReplyDelete