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.

128 comments:

  1. Hi everyone i live in Texas USA I applied for a loan of $50.000 in march 2013 with diamond loan company and i was ask to pay $1000 for insurance which i did and they never transfer my loan and i was charge more and more fee which i got nothing in return i lost over $5000 to them because i was anxious of the loan i have to apply through another company and this second company did the worst to me,i was ask to pay only $100 for transfer fee which i later give them the total of $7000 and till date i never get mails from them. and this really make me frustrated Until 1st of July when a friend of my refer me to Fidelity Loan company at first i was scared but i later contact them and after three days they transfer to me $50,000.00usd on 3% interest, this was like a dream come true for me because i wanted to use this funds to start up a new business which almost lead me to early grave from the hands of this fake loan lenders. there are many testimony on the internet which people testify that they receive loan this most of them are fake and are used by this fake loan lenders, so you need to be very careful with the loan lender you deal with. you can reach them on there company contact line also on +447024070473. please if any one is looking for a loan then fidelity (fidelity.loanfirm@outlook.com) loan company is the solution to your loan problem's.thank you again Mr Fredeal Wayne C.E.O FIDELITY LOAN BANK any one in need of loan can reach them now on this email fidelity.loanfirm@outlook.com contact line +447024070473.

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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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    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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  3. Am so happy and thankful to God for what he has done in my life, after four year of seeking for loan online the internet scammers has succeeded in taking from the sum of $10,000.00 without given me my loan, I lost every thing i have because of scam and ever since i was scared to make contact online concerning loan. One day, as i was browsing , i saw a comment by a woman name Brenda John from Australia thanking the Kenneth Walters Loan Company for lending a loan saying that if there is any one who also need loan are to contact the company and they will surly lend any body loan so i took there email and i contacted them we had every agreement to pay back the loan and i submitted my bank account to them and they told i will receive my loan in 24hours and to my greatest shock, exactly 24hours, my bank send me an alert of confirmation that the Kenneth Walters Loan Company has transfer my loan amount of $70,000.00 dollars to my account am so happy and i want to use this medium to advice every one who is in need of loan or you have been scam in the past worry no more and contact the very right company who can lend out loan on (kennethwalter.loanfirm@hotmail.com). and please beware of internet scams most of this email of lenders you see online are all scams so contact the Kenneth Walters Loan Company because they are capable of given you your loan thanks.

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  4. Hello everyone, My name is MICHELLE CARL, I am from the Alabama, United State, am here to testify of how i got my loan from Mr Collins walter{diamondloanfirm@yeah.net}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 Collins Walter the C.E.O of Collins Walter Loan Company who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Collins Walter, who really help me with my loan and changed my life for better. I don't know if you are in need of an urgent loan, free feel to contact Mr Collins Walter on his email{ diamondloanfirm@yeah.net} for help

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  8. 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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  13. My name Linda Ray, i am from California USA, married, i have been searching for a genuine loan company for the past 5 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 him all that happened and he said he can help me, that he knows a loan company that can help me, that he 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 will advise everyone out there who are in need of loan to go for Mr.Bruce Brandon By Email ( bruce.brandon071@gmail.com they will never fails, your life shall change as mine did.

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  17. 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
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    ReplyDelete
  23. 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
  24. 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
  25. 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
  26. 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
  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 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




  28. 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
  29. 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

  30. 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
  31. 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
  32. 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.
    Available now
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    Apply for a loan today with your loan amount and duration, Its Easy and fast to get. 4% interest rates and monthly
    installment payments.
    {nicholasbrush.cc@gmail.com}

    Regards,
    Nicholas Brush

    ReplyDelete
  33. 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
  34. 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
  35. 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
  36. 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
  37. 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
  38. 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
  39. 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
  40. 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
  41. 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

  42. 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
  43. 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
  44. 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
  45. 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
  46. 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
  47. 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
  48. 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
  49. 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
  50. 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:............
    Country:......
    Phone:..........
    Mobile / Cell:....
    Occupation:......
    Monthly Income:....

    With Regard,
    Mr. Ben William

    ReplyDelete
  51. 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
  52. 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
  53. 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
  54. 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
  55. 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
  56. Hello all,

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    ReplyDelete
  57. 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
  58. Get a Loan Today At 3% Interest Rate, contact us at:davidloans760@gmail.com

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    ReplyDelete
  59. Hello Everybody,
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    BORROWERS APPLICATION DETAILS


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  60. 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

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  61. 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

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  63. Good day.

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  64. Good Day.

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    ReplyDelete
  65. Hello Everybody,
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    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
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    ReplyDelete
  66. Hi, I'm a private registered and licensed loan lender, By name Mark Paul, we give loans ranging from $5000.00 to $50,000,000.00 at a low
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  68. Hello every one please i will like to talk about the goodness of GOD in my life after so many months of trying to get a loan on the internet and was scammed the sum of $2,450. i became so desperate in getting a loan from a legit lender online then a friend told me that there is a legit loan company where he got his loan fast and easy without any stress so he introduced me to a Man called Larry Graham, So i applied for a loan sum of ($20,000.00) with low interest rate so the loan was approved and deposited into my bank account that was how i was able to get my loan and i was able to pay off my bills. i am advising every one who is interested in getting a loan fast and easy to kindly contact them via email: { grahamfunds2@gmail.com}, So thanks as you read the greatest testimony of my life and thanks be to GOD almighty for his goodness upon my life.

    ReplyDelete


  69. Have you been looking for financing options for your new home purchase, construction, real estate loan, refinance, debt consolidation, personal or business purpose? Welcome to the future! Financing made easy with us. Contact us as we offer our financial service at a low and affordable interest rate of 3% for long and short loan term.Interested applicant should contact us for further loan acquisition procedures via email me berkshire.hathaway@yahoo.com

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

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  71. DO YOU NEED A LOAN TO START A BEFITTING NEW YEAR!!!!!!

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  72. Are you going through some financial stress and you are looking for a way to come out from the problem, Here is JUDE MASHEL to help overcome the financial stress and become a happy man.Mr.JUDE MASHEL Legitimate and Government approved private loan lender. As part of its welfare package is offering a floating loan scheme at 3% interest rate without any collateral security. This is to help individuals reach their financial objectives. The Minimum amount you can borrow is $5,000.00 US Dollars to Maximum of $500.Million. Our commitment to client service and our innovative approach to problem solving has been our ultimate goal.kindly email us asap,
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  73. DO YOU NEED A LOAN TO START A BEFITTING NEW YEAR!!!!!!

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  74. Are you in need of loan to pay your debts or start up your dream business? We offer all kind of loans at 3% interest rate. For more inform contact us via: sabinhelps@gmail.com

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  78. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?

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

    ReplyDelete
  80. Good Day Dear Loan Seeker,

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    ReplyDelete
  81. Good Day Dear Loan Seeker,

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    ReplyDelete
  82. Good Day Dear Loan Seeker,

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    ReplyDelete
  83. Good Day Dear Loan Seeker,

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  105. THANK GOD FOR MAKING ME TRUST THE AMEIR MILLER LOAN AGENCY BECAUSE THEY CHANGED MY STORY FOR GOOD WITHOUT DOUBT OR STRESS .

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  106. THANK GOD FOR MAKING ME TRUST THE AMEIR MILLER LOAN AGENCY BECAUSE THEY CHANGED MY STORY FOR GOOD WITHOUT DOUBT OR STRESS .

    Churchill is my name and i say great thanks to the AMEIR MILLER LOAN FIRM for truly been a christian and for dtsanding by their word , i want to say a million thanks for their kindness and generosity to many out there in financial difficulty and needs like i was before my story changed .Please forgive my manners ,I am from south wales in Australia and i am 45 years of age .Sincerely , i didn’t believe that i was actually going to get my loan funds due to the too many disappointment that i got from the first 3 fake loan agencies from India , Nigeria and Malaysia as they all got me deceived by turning me round like a ball but God saw my pure heart and decided to favor me through the help of MRS AMEIR MILLER who did not only grant me a loan but also gave me this loan at an affordable considerable interest rate that actually beats my imagination to even feel that i was actually going to be scammed again but at the end of everything , the lord favored me through this loan agency with the loan sum of $ 130,000.00 AUD without stress and without been told stories .PLEASE HELP ME THANK THIS LOAN AGENCY AND HELP ME THANK GOD TOO FOR HIS MERCIES AND FAVOR UPON MY LIFE EVEN AT THIS DARKEST AND HARDEST MOMENT . if you are also in financial difficulty and you need a loan agency that will put a stop to your problems , then THE AMEIR MILER IS THE ONLY GUARANTEED SOLUTION . OFFICE COMMUNICATION DETAILS , ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , ameirmillerfinancialinstitute@gmail.com ..THANK YOU ALL FOR READING MY STORY .

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