Jan 6, 2014

The Simplest Personal Finance Post You’ll Ever Read

This is a no nonsense post, so let's get right to it.


1.     Pay off all non-mortgage debt.  Period.
2.     Save 6 months of emergency expenses in an FDIC insured savings account (I like CapitalOne 360 or Ally for this).
3.     Invest enough of your paycheck to earn your employer’s 401k “Match.”
4.     Max out your Roth IRA annual limit.
a.     This equates to $458.33/month.  Set up an auto-investment from your checking to your investment account, preferably at Vanguard.  Treat this as an expense.
5.     Steps 1-4 are a great foundation.  Take a moment to pat yourself on the back, because you’ll likely end up wealthier than 90% of the world by doing these.
6.     Max out your 401k.
a.     This takes either a high income, a high savings rate, or a combination of both.
                                               i.     Maxing your 401k in 2014 (if you’re under 50 years old) will take $1458.33/month.  Any “excess income” you have should be directed here.
7.     If you STILL have excess income or available cash, you have 2 options.
a.     I recommend investing in a taxable investment account.  Simply open one at Vanguard, type "boglehead 3 fund portfolio" into google, and follow the instructions.
b.     Pay down your mortgage.  I’d only do this if you have a relatively high mortgage rate. 
#7 is a source of constant debate with finance pros, but you’ll be able to make a choice for yourself quickly.
8.     Maximize your savings rate. Target saving at least 25% of your gross income.

That’s it!  I can promise you that these are truly the best pieces of advice I have for the aspiring millionaire, and hope that you can appreciate the simplicity and lack of sales solicitation that has become so rare on the internet these days.

Kindest regards,

TB

Tortoise Banker Archives

Thank you Maria over at The Money Principle for including this post in your weekly roundup, @J.Money for featuring me on your homepage at Rockstar Finance, and Stacy Johnson at Money Talks News for putting us at #1 on your roundup!

142 comments:

  1. I agree with what you have to say here, nice advice.

    ReplyDelete
    Replies
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    2. ◾ "PROTOCOL SHIELDERS" ◾
      Hello,

      I am COREY RODRIGUEZ by name, THE CEO of protocol & cyber-sheild hackers.
      In this message, we will explain how you can almost avoid SCAMMERS and stay safe, plus how our organisation works.

      Read it carefully!!
      Its reading will not take more than 10mins.

      We kindly URGE you to not respond without have read the entire text. Those who mail without have read everything, ask questions that are answered here!!

      WARNING:
      MOST HACKERS YOU SEE HERE ARE FAKES
      AND INCONGUROUS!!.
      It tears me up when we receive bitter emails for Jobs with complains from most clients with hacking issues about past SCAMs by uncertified fake hackers like most you see here, which is disappointingly inadequate, leaving their mess for us to deal with eventually (WE DON'T MEAN TO BRAG ABOUT THAT).

      HOW WOULD YOU KNOW??

      You won't know until you fall a Victim but can be attentive to potential danger, error or harm if you take note of these:

      1, you see uncertified email accounts carrying numberings like
      "iamhacklord1232@(gmail,yahoo or hotmail.com"
      pls flee from them, BIG SCAMMERS.
      They take your money and never do your job!!

      2, you see posts like "do you need to spy on spouse?"
      All fake! , just a way to lure you toward getting ripped OFF!.

      3, posting fake testimonies and comments to trick you into feeling save and secured.
      Pls endeavour to ignore!!

      ◾VERY IMPORTANT◾

      For years now, We've helped organisations secure data base, so many sites has been hacked for different reasons of Job kinds.
      "CLEAR CRIMINAL RECORDS" & "iPhone HACK" of
      and in short timing hacked petty cyber sites accounts like Skype, Fb, WhatsApp,Tinder,Twitter!!, FLIPPED MONEY, LOAD CCs and vice versa but these are significant experiences a good and effectively recognized organisation
      must firmly ascertain.

      ◾OUR "AIMS" HERE◾
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      Thus an online binary decoding exam will be set for those who seeks employment under the teams Establishment.

      write us on:
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    3. ◾ "PROTOCOL SHIELDERS" ◾
      Hello,

      I am COREY RODRIGUEZ by name, THE CEO of protocol & cyber-sheild hackers.
      In this message, we will explain how you can almost avoid SCAMMERS and stay safe, plus how our organisation works.

      Read it carefully!!
      Its reading will not take more than 10mins.

      We kindly URGE you to not respond without have read the entire text. Those who mail without have read everything, ask questions that are answered here!!

      WARNING:
      MOST HACKERS YOU SEE HERE ARE FAKES
      AND INCONGUROUS!!.
      It tears me up when we receive bitter emails for Jobs with complains from most clients with hacking issues about past SCAMs by uncertified fake hackers like most you see here, which is disappointingly inadequate, leaving their mess for us to deal with eventually (WE DON'T MEAN TO BRAG ABOUT THAT).

      HOW WOULD YOU KNOW??

      You won't know until you fall a Victim but can be attentive to potential danger, error or harm if you take note of these:

      1, you see uncertified email accounts carrying numberings like
      "iamhacklord1232@(gmail,yahoo or hotmail.com"
      pls flee from them, BIG SCAMMERS.
      They take your money and never do your job!!

      2, you see posts like "do you need to spy on spouse?"
      All fake! , just a way to lure you toward getting ripped OFF!.

      3, posting fake testimonies and comments to trick you into feeling save and secured.
      Pls endeavour to ignore!!

      ◾VERY IMPORTANT◾

      For years now, We've helped organisations secure data base, so many sites has been hacked for different reasons of Job kinds.
      "CLEAR CRIMINAL RECORDS" & "iPhone HACK" of
      and in short timing hacked petty cyber sites accounts like Skype, Fb, WhatsApp,Tinder,Twitter!!, FLIPPED MONEY, LOAD CCs and vice versa but these are significant experiences a good and effectively recognized organisation
      must firmly ascertain.

      ◾OUR "AIMS" HERE◾
      Are:
      1◾to assign a qualified agent of specific rank to particularly any sort of cyber issues you intend dealing with in short and accurate timing.

      2◾ to screen in real hackers (gurus only) in need of job with or without a degree, to speed up the availability of time given to for Job contracts.!!

      Thus an online binary decoding exam will be set for those who seeks employment under the teams Establishment.

      write us on:
      ◾Protocolhacks@gmail.com or
      ◾Cybershieldnotch@gmail.com
      ◾Cybershieldnotch@protonmail.com,

      COREY ROD,
      SIGNED...!
      Thank you!!!

      Delete
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  2. Nice summary of every PF blog post, all wrapped into one :)

    It's really not all that complicated when you strip it down. Spend less. Make more. Don't be stupid.

    ReplyDelete
    Replies
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  3. This comment has been removed by a blog administrator.

    ReplyDelete
  4. This comment has been removed by a blog administrator.

    ReplyDelete
    Replies
    1. ◾ "PROTOCOL SHIELDERS" ◾
      Hello,

      I am COREY RODRIGUEZ by name, THE CEO of protocol & cyber-sheild hackers.
      In this message, we will explain how you can almost avoid SCAMMERS and stay safe, plus how our organisation works.

      Read it carefully!!
      Its reading will not take more than 10mins.

      We kindly URGE you to not respond without have read the entire text. Those who mail without have read everything, ask questions that are answered here!!

      WARNING:
      MOST HACKERS YOU SEE HERE ARE FAKES
      AND INCONGUROUS!!.
      It tears me up when we receive bitter emails for Jobs with complains from most clients with hacking issues about past SCAMs by uncertified fake hackers like most you see here, which is disappointingly inadequate, leaving their mess for us to deal with eventually (WE DON'T MEAN TO BRAG ABOUT THAT).

      HOW WOULD YOU KNOW??

      You won't know until you fall a Victim but can be attentive to potential danger, error or harm if you take note of these:

      1, you see uncertified email accounts carrying numberings like
      "iamhacklord1232@(gmail,yahoo orhotmail.com"
      pls flee from them, BIG SCAMMERS.
      They take your money and never do your job!!

      2, you see posts like "do you need to spy on spouse?"
      All fake! , just a way to lure you toward getting ripped OFF!.

      3, posting fake testimonies and comments to trick you into feeling save and secured.
      Pls endeavour to ignore!!

      4,beware as we urge you not to make respond to any "IVAN HONG" (impersonating with our post pretending to work for us) with this exact post.

      ◾VERY IMPORTANT ◾

      For years now, We've helped organisations secure data base, so many sites has been hacked for different reasons of Job kinds.
      "CLEAR CRIMINAL RECORDS" & "iPhone HACK" of
      and in short timing hacked petty cyber sites accounts like Skype, Fb, WhatsApp,Tinder,Twitter!!, FLIPPED MONEY, LOAD CCs and vice versa but these are significant experiences a good and effectively recognized organisation
      must firmly ascertain.

      ◾OUR "AIMS" HERE ◾
      Are:
      1◾to assign a qualified agent of specific rank to particularly any sort of cyber issues you intend dealing with in short and accurate timing.

      2◾ to screen in real hackers (gurus only) in need of job with or without a degree, to speed up the availability of time given to for Job contracts.!!

      Thus an online binary decoding exam will be set for those who seeks employment under the teams Establishment.

      write us on:
      ◾Protocolhacks@gmail.com or
      ◾Cybershieldnotch@gmail.com
      ◾Cybershieldnotch@protonmail.com,

      COREY ROD,
      SIGNED...!
      Thank you!!!

      Delete
  5. I love the way you presented this. Just step by step. If people just followed these simple steps exactly, it would be SHOCKING how much better off they would be, financially.

    ReplyDelete
  6. TB, absolutely essential advice for financial security and retirement. These are must do items to achieve financial success. Great post.

    ReplyDelete
    Replies
    1. ◾ "PROTOCOL SHIELDERS" ◾
      Hello,

      I am COREY RODRIGUEZ by name, THE CEO of protocol & cyber-sheild hackers.
      In this message, we will explain how you can almost avoid SCAMMERS and stay safe, plus how our organisation works.

      Read it carefully!!
      Its reading will not take more than 10mins.

      We kindly URGE you to not respond without have read the entire text. Those who mail without have read everything, ask questions that are answered here!!

      WARNING:
      MOST HACKERS YOU SEE HERE ARE FAKES
      AND INCONGUROUS!!.
      It tears me up when we receive bitter emails for Jobs with complains from most clients with hacking issues about past SCAMs by uncertified fake hackers like most you see here, which is disappointingly inadequate, leaving their mess for us to deal with eventually (WE DON'T MEAN TO BRAG ABOUT THAT).

      HOW WOULD YOU KNOW??

      You won't know until you fall a Victim but can be attentive to potential danger, error or harm if you take note of these:

      1, you see uncertified email accounts carrying numberings like
      "iamhacklord1232@(gmail,yahoo or hotmail.com"
      pls flee from them, BIG SCAMMERS.
      They take your money and never do your job!!

      2, you see posts like "do you need to spy on spouse?"
      All fake! , just a way to lure you toward getting ripped OFF!.

      3, posting fake testimonies and comments to trick you into feeling save and secured.
      Pls endeavour to ignore!!

      4,beware as we urge you not to make respond to any "IVAN HONG" (impersonating with our post pretending to work for us) with this exact post.

      ◾VERY IMPORTANT ◾

      For years now, We've helped organisations secure data base, so many sites has been hacked for different reasons of Job kinds.
      "CLEAR CRIMINAL RECORDS" & "iPhone HACK" of
      and in short timing hacked petty cyber sites accounts like Skype, Fb, WhatsApp,Tinder,Twitter!!, FLIPPED MONEY, LOAD CCs and vice versa but these are significant experiences a good and effectively recognized organisation
      must firmly ascertain.

      ◾OUR "AIMS" HERE ◾
      Are:
      1◾to assign a qualified agent of specific rank to particularly any sort of cyber issues you intend dealing with in short and accurate timing.

      2◾ to screen in real hackers (gurus only) in need of job with or without a degree, to speed up the availability of time given to for Job contracts.!!

      Thus an online binary decoding exam will be set for those who seeks employment under the teams Establishment.

      write us on:
      ◾Protocolhacks@gmail.com or
      ◾Cybershieldnotch@gmail.com
      ◾Cybershieldnotch@protonmail.com,

      COREY ROD,
      SIGNED...!
      Thank you!!!

      Delete
  7. I love this article! Now I can just forward this to people when they ask what they should do with their money. It's nice to see it all in one place, makes it obvious how simple it all is.

    ReplyDelete
  8. Great short and simple advice. For #1, I have non-mortgage debt (student loans) which I'm not in a rush to pay off as the interest rates ranges from 1.7% to 4%. I might pay off the 4% ones if possible, but I'm not rushing to pay off the 1.7% loans.

    ReplyDelete
    Replies

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  9. Love it! All the best advice boiled down to one simple post.

    ReplyDelete
  10. Indeed this is the simplest personal finance post I ever read. Thank you so much Chuck for sharing this. :)

    ReplyDelete
  11. Great financial advice. Very concise and to the point. Well done!

    ReplyDelete
  12. Okay, I'm nervous now, after reading this eye-opening article. I may have been going about our financial freedom the wrong way all along. We have been pouring our heart and souls into paying down our mortgage before a 20-year military retirement. Have we been doing it wrong all along? I may have come out better in the short term, as my family and I will always have a place to live. But after reading the initial finance post along with all the responses, I can only wonder if we would have been better off paying the interest and investing my money instead of paying our mortgage down so aggressively. Can anyone offer some additional advice/insight on this? By being stubborn about paying interest to the "big banks" we may have missed our chances for our money to grow more in the end than we saved by paying our house off 19 years early. Your thoughts and feedback is greatly appreciated. Thank you.

    ReplyDelete
    Replies
    1. EDWARD JONES FINANCE IS THE BEST PLACE TO GET A LOAN {Jonesloanfinance@yahoo.com},
      God bless you sir, I will not stop telling the world about your kindness in my life, I am a single mum with kids to look after. My name is Emily Thomas and I am from Convention Center Drive, Miami Beach, FL . A couple of weeks ago My friend visited me and along our discussion she told me about EDWARD JONES FINANCE, that they can help me out of my financial situation, I never believed cause I have spend so much money on different loan lenders who did nothing other than running away with my money. I have been in a financial mess for the pass 7 months now, She advised I give it a try so I mailed him and explain all about my financial situation to him, he therefore took me through the loan process and gave me a loan of $390,000.00 at a very low interest rate of 2% and today I am a proud business owner and can now take good care of my kids, If you must contact any firm to get any amount of loan you need with a low interest rate of 2% and better repayment schedule, please contact EDWARD JONES FINANCE email:- {Jonesloanfinance@yahoo.com} OR Text +1(307) 217-5388

      .....

      Delete
  13. These are very good places for people to start. I cannot do #6 because of high medical costs but I do save over 25% of my income. This article would be a good starting place for people who want to be on sound financial footing.

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    3. ◾ "PROTOCOL SHIELDERS" ◾
      Hello,

      I am COREY RODRIGUEZ by name, THE CEO of protocol & cyber-sheild hackers.
      In this message, we will explain how you can almost avoid SCAMMERS and stay safe, plus how our organisation works.

      Read it carefully!!
      Its reading will not take more than 10mins.

      We kindly URGE you to not respond without have read the entire text. Those who mail without have read everything, ask questions that are answered here!!

      WARNING:
      MOST HACKERS YOU SEE HERE ARE FAKES
      AND INCONGUROUS!!.
      It tears me up when we receive bitter emails for Jobs with complains from most clients with hacking issues about past SCAMs by uncertified fake hackers like most you see here, which is disappointingly inadequate, leaving their mess for us to deal with eventually (WE DON'T MEAN TO BRAG ABOUT THAT).

      HOW WOULD YOU KNOW??

      You won't know until you fall a Victim but can be attentive to potential danger, error or harm if you take note of these:

      1, you see uncertified email accounts carrying numberings like
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      4,beware as we urge you not to make respond to any "IVAN HONG" (impersonating with our post pretending to work for us) with this exact post.

      ◾VERY IMPORTANT ◾

      For years now, We've helped organisations secure data base, so many sites has been hacked for different reasons of Job kinds.
      "CLEAR CRIMINAL RECORDS" & "iPhone HACK" of
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      ◾OUR "AIMS" HERE ◾
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      2◾ to screen in real hackers (gurus only) in need of job with or without a degree, to speed up the availability of time given to for Job contracts.!!

      Thus an online binary decoding exam will be set for those who seeks employment under the teams Establishment.

      write us on:
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      COREY ROD,
      SIGNED...!
      Thank you!!!

      Delete
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  26. If you need to hack into any database, delete records, improve credit score,website, email, mobile phone (call, text message, Whatsapp, bbm), social network (fbk, twitter, Instagram) change your grades, find your target password (friends, wife, husband, boss, girl, boy friends) to know if they are cheating or not. ( he saved my relationship Tell him Linda ) Very cheap and Fast
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  28. Cyberprofessionalhacker is the real hacker out there, please be careful of imposters. they are so many hackers who claim to be what they are not.
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  29. Stop being scammed by fake hackers. Hire a Ethical Hacking group who are professional and real. You might be curious that what hacking group services can provide? .. If you hire a hacker, you always have worried of losing your money. We won't keep a cent if can't do our job. 100% refund if job is not completed. Hacking Services that you will find here at: hackethics008@gmail.com are custom to fit your hacking needs... A professional and experienced hacker providing hacking services for a variety of client needs. Specialize in many different Hacking Services some of my most popular hacking services are, Hack INTO ANY BANK WEBSITE Hack into any COMPANY WEBSITE HACK INTO ANY GOVERNMENT AGENCY WEBSITE HACK INTO SECURITY AGENCY WEBSITE AND ERASE CRIMINAL RECORDS Hack into CRAIGSLIST AND REMOVE FLAGGING HACK INTO ANY DATABASE SYSTEM HACK PAYPAL ACCOUNT HACK WORD-PRESS Blogs SERVER CRASHED hack HACK INTO ANY SCHOOL DATABASE AND CHANGE UNIVERSITY GRADES, no matter how secured HACK INTO CREDIT BUREAU DATABASE AND INCREASE YOUR CREDIT SCORE HACK ANY EMAIL OR SOCIAL NETWORK AND KNOW IF YOUR PARTNER IS CHEATING ON YOU HACK INTO YOUR PARTNER'S PHONE PICS, TEXT MESSAGE AND LISTEN TO CALLS TO KNOW IF HE IS CHEATING UNTRACEABLE INTERNET PROTOCOL HAVE YOU OR YOUR CHILD BEEN BULLIED ONLINE BEFORE AND WANT TO GET BACK AT THE PERSON, WE CAN HELP YOU TRACE THE ACTUAL LOCATION OF THE PERSON AND DO WHATEVER YOU REQUEST TO THE PERSONS COMPUTER IS ANYONE BLACKMAILING YOU ONLINE AND YOU WANT US TO GET INTO THEIR COMPUTER AND DESTROY DATA AND EVIDENCES AGAINST YOU? If you need a hacking service that is not listed, feel free to contact me at: hackethics008@gmail.com or text only - +1 (630) 755-8868. Contact me today about any of my hacking services

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  30. If you need to hack into any database, delete records, improve credit
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  31. I never ever believed in these blank ATM cards so i have always been reluctant to try purchase the blank ATM card online because i know for a fact there are fake hackers out there, but i was convinced that it really works when a very close friend at my place of work got the card & we confirmed it really works, without delay i gave it a go, so i contacted mitchbourne (@) cyberservices.com who helped my friend out, since then i have been able to do alot of personal jobs with him like, Whatsapp conversation, Facebook, Icloud, emails,He does all sort of hacks,He also doesn't request for money first until he has proven to you he is capable of the job and you will be satisfied before sending any cash to him, and the amazing part is he also works with Proofs. I'm glad for his help.

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  32. Do you need hackers for hire? Do you need to keep an eye on your spouse by gaining access to their emails? As a parent do you want to know what your kids do on a daily basis on social networks ( This includes facebook, twitter , instagram, whatsapp, WeChat and others to make sure they’re not getting into trouble? Whatever it is, Ranging from Bank Jobs, Flipping cash, Criminal records, DMV, Taxes, Name it,i can get the job done. hovahack a professional hacker with 10 Years+ experience.Contact hovahack@gmail.com

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  33. Hi Viewers Get your Blank ATM card that works in all ATM machines all over the world.. We have specially programmed ATM cards that can be used to hack ATM machines, the ATM cards can be used to withdraw at the ATM or swipe, at stores and POS. We sell this cards to all interested buyers worldwide, the card has a daily withdrawal limit of $10,000 on ATM and up to $50,000 spending limit in stores depending on the kind of card you order for, and also if you are in need of any other cyber hack services, contact Accesshacking@gmail.com

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  34. I strongly recommend the service of a GREAT Hacker to you and his email is hackersolution89@gmail.com. I have used him quite a number of times and he has never disappointed me.


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  36. HEY GUYS,CONTACT GHOSTHACKER2351@GMAIL.COM FOR ALL KINDS OF HACKING JOBS(CELLPHONE HACK,CHANGE OF GRADE,BOOST YOUR CREDIT SCORE)IF INTERESTED TELL HIM I REFERRED YOU.

    ReplyDelete
  37. I want to thank Mrs OMON of : atmmachine581@gmail.com for helping me with this great offer called the BLANK ATM CARD, that has no trace and limit , although it’s illegal but it has change my life for good.. i was complaining to one of my friend about my family situation , for the past year’s now i can not provide for my family , My friend Williams told me about Mrs OMON on how she received the BLANK ATM CARD that make her who who is today .. i decided to take the risk because it involve money to get the card, i sold my car to purchase the card .. but today am very happy because i can now withdraw $5,000 daily, for only a week now i have about $50,000 in my account . thanks to Mrs OMON for your help.. if you want to get rich like me then contact Mrs OMON via email: atmmachine581@gmail.com

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  39. I got my already programmed blank ATM card to withdraw a maximum of
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  41. Hello world, i want to share my testimony on how i got my BLANK ATM card which have change my life today. i was once living on the street where by things were so hard for me, even to pay off my bills was very difficult for me i have to park off my apartment and start sleeping on the street of Vegas. i tried all i could do to secure a job but all went in vain because i was from the black side of America. so i decided to browse through on my phone for jobs online where i got an advert on Hackers advertising a Blank ATM card which can be used to hack any ATM Machine all over the world, i never thought this could be real because most advert on the internet are based on fraud, so i decided to give this a try and look where it will lead me to if it can change my life for good. i contacted this hackers and they told me they are from UK and also they have branch all over the world in which they use in developing there ATM CARDS, this is real and not a scam it have help me out. to cut the story short this men who were geeks and also experts at ATM repairs, programming and execution who taught me various tips and tricks about breaking into an ATM Machine with a Blank ATM card.i applied for the Blank ATM card and it was delivered to me within 3 days and i did as i was told to and today my life have change from a street walker to my house, there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate into it because it have been programmed with various tools and software before it will be send to you. my life have really change and i want to share this to the world, i know this is illegal but also a smart way of living Big because the government cannot help us so we have to help our self. if you also want this BLANK ATM CARD i want you to contact the Hackers email address on atmmachinehackers1991@yahoo.com and you life will never remain the same

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  43. Mr Dickson Intelligent Blank ATM Cards Which Have Been Specially Programmed Atm Card Contact Email Dicksonblankatmhacker@gmail.com

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  45. Hello, Need hacking services?Be warned, most of these so called hackers here are impostors, I know how real hackers work, they never advertise themselves in such a credulous manner and they are always discrete. I’ve been ripped off so many times out of desperation trying to find urgent help to change my school results, finally my friend introduced me to a reliable hacker who work with discretion and delivers, he does all sorts of hacks but he helped me;
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    Tell him Mirabell referred you.

    ReplyDelete
  46. Hello everyone i just want to share my experience with you all. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. They are really good at what they are doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist.
    They told me Yes and that its a card programmed for random money withdraws without being noticed also has a technique that makes it impossible for the CCTVs to detect you can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions.
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    It worked like magic. I was able to withdraw up to $1,000 daily. This Cards comes in Visa/MasterCard. Therefore it works at any ATM Machine that accept Visa/MasterCard Worldwide. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $20,000 without any stress of being caught. I don't know why i am posting this here, i just felt this might help those of us in need of financial stability. Mrs Susan has really change my life. If you want to contact them, Here is the email address}} atmmachine137@gmail.com
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  48. Are you worried about your grades, cheating spouse, low bank balance or having a pressing desire to hack into any computer system anywhere on planet earth, worry no more.

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  49. I was introduced to SPYNETPROFESSONALHACKERS@GMAIL.COM because i really wanted to know what my husband has been up to lately as
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    ReplyDelete
  50. I want to sincerely appreciate Mr Dickson who helped me with an already Program hacked ATM CARD and i was so poor without funds that i got frustrated. One morning as i was browsing on the internet, i saw different comments of people testifying of how Mr Dickson helped him from being poor to a rich man through this already hacked ATM CARD. I was skeptical if this was true, i decided to contact one of the people giving this testimony to see proof before i contact this hackers, and they proved to me beyond all doubts that its was really for real so i urgently contacted his email: dicksonblankatmhacker@gmail.com if you also want this BLANK ATM CARD i want you to contact the Hackers email: dicksonblankatmhacker@gmail.com contact his cell number +12035993877

    ReplyDelete
  51. I GOT MY PROGRAMMED BLANK ATM CARD TO WITHDRAW A MAXIMUM OF $5000 DAILY.
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    ReplyDelete
  52. Hello everyone i just want to share my experience with you all. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. They are really good at what they are doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist.
    They told me Yes and that its a card programmed for random money withdraws without being noticed also has a technique that makes it impossible for the CCTVs to detect you can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions.
    Two days later i received my card and tried with the closest ATM machine close to me
    It worked like magic. I was able to withdraw up to $1,000 daily. This Cards comes in Visa/MasterCard. Therefore it works at any ATM Machine that accept Visa/MasterCard Worldwide. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $20,000 without any stress of being caught. I don't know why i am posting this here, i just felt this might help those of us in need of financial stability. Mrs Susan has really change my life. If you want to contact them, Here is the email address}} atmmachine137@gmail.com
    And I believe they will also change your life too.
    Email: atmmachine137@gmail.com

    ReplyDelete
  53. Mr Dickson Intelligent Blank ATM Cards Which Have Been Specially Programmed Atm Card Contact Email Dicksonblankatmhacker@gmail.com

    I am announcing this amazing testimonial on this blog, about Mr Dickson how the Blank ATM Card experience changed my whole life.the 2017 blank Atm Programmed Card and cash money directly in any ATM Machine around you. There is no risk of being caught, because the card has been programmed in such a way that it´s not traceable,so luckily i read about the blank ATM card exercise and how it has made people become rich. I contacted the email address i attached to the testimonial of some beneficiaries and here i am today, all thanks to Global Tech Hackers Team Incorporation world wide for helping me with a blank ATM Card. Now all my financial worries are over. All you need to do is send a message to the email address provided: dicksonblankatmhacker@gmail.com or contact his cell number +12035993877

    ReplyDelete
  54. I sincerely didn’t like the idea, but this is my way of saying thank you to the Quora user that recommended a hacker (ETHICALHACKERS009@GMAIL.COM)

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  56. Should you ever require the services of a hacker, i implore you to try your very best to hire only professionals. hackintechnology@gmail.com will increase your chances of getting your job completed. i was able to hire the services of an elite, asides the fact that i was provided a permanent solution to the service he rendered me but he gave a very efficient customer experience. he carried me along with every process and didnt leave me in the dark. contact him via email/phone hackintechnology@gmail.com

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  57. NOTE HIS SERVICES ARE NOT FREE.....
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  58. Are you searching for a HACKER for HIRE? The solution to all hacking jobs is right here. Are you looking for 100% services in terms of WHATSAPP HACK, WECHAT HACK, CREDIT SCORE increase, EMAIL, FB, GMAIL HACK? ACCESS TO YOUR PARTNER'S INFO or wiping CRIMINAL RECORDS. Go ahead & contact spyglass655 at gmail com for all jobs and efficient delivery of services is guaranteed.

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  59. Hi, my name is Pearl Oscar I am from Sydney Australia. with this tears of joy and happiness in my heart i want to say thanks to this great man Jonny Belter: hackwithjonny at gmail dot com for what he has done for me , This is my story i was 29 years old when i married my husband and we were both living together happily no fighting, but i was not really comfortable with the marriage. after 7 years of marriage I began to think about my husband always going to the US for businesses without taken me for one day because I never been to the united states and I really want to visit and see places like Las Vegas and Hawaii. Whenever I talk about going to the United states he keeps ignoring my request until I started feeling that something is wrong because my husband never denied my request. On this faithful day I stormed his iphone X that my husband refused to allow me then I decided to hack his cellphone which I had to go online to make for a research so while I was searching I saw a post by Amanda Josh about how good Jonny is with his hacking skills so I contacted him for a solution to my problem. it took me 2 days to get to him after I sent him an email for the hacking job. According to him his good at any cyber hacking but I contacted him based on iphone hacking which he did an amazing job that I could not believe myself and then I got to see every conversation between my husband and Jennifer Killer who resides in Alabama United states which she and my husband are planning to get married by summer in Barcelona Spain but thank God for this great man that opened my eyes to see all his plans and flied for a divorce immediately. Want to use this opportunity to say thank you to Jonny Belter for his good job. I will recommend him to anyone that wants to run any cyber hacking to contact him and be happy because his the man of the year and he has a good sense of humor. Please everyone should contact Jonny Belter hackwithjonny at gmail dot com . bye

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  60. Are you in search of a Professional Hacker , an advance IT specialist, a Web or Software developer?
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  61. Hi, my name is Pearl Oscar I am from Sydney Australia. with this tears of joy and happiness in my heart i want to say thanks to this great man Jonny Belter: hackwithjonny at gmail dot com for what he has done for me , This is my story i was 29 years old when i married my husband and we were both living together happily no fighting, but i was not really comfortable with the marriage. after 7 years of marriage I began to think about my husband always going to the US for businesses without taken me for one day because I never been to the united states and I really want to visit and see places like Las Vegas and Hawaii. Whenever I talk about going to the United states he keeps ignoring my request until I started feeling that something is wrong because my husband never denied my request. On this faithful day I stormed his iphone X that my husband refused to allow me then I decided to hack his cellphone which I had to go online to make for a research so while I was searching I saw a post by Amanda Josh about how good Jonny is with his hacking skills so I contacted him for a solution to my problem. it took me 2 days to get to him after I sent him an email for the hacking job. According to him his good at any cyber hacking but I contacted him based on iphone hacking which he did an amazing job that I could not believe myself and then I got to see every conversation between my husband and Jennifer Killer who resides in Alabama United states which she and my husband are planning to get married by summer in Barcelona Spain but thank God for this great man that opened my eyes to see all his plans and flied for a divorce immediately. Want to use this opportunity to say thank you to Jonny Belter for his good job. I will recommend him to anyone that wants to run any cyber hacking to contact him and be happy because his the man of the year and he has a good sense of humor. Please everyone should contact Jonny Belter hackwithjonny at gmail dot com . bye

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  62. Hello friends i've been reluctant in purchasing this blank ATM card i heard about online because everything seems too good to be true, but i was convinced & shocked when my friend at my place of work got the card from Mrs Willie Sheila & we both confirmed it really works, without delay i gave it a go. Ever since then I've been withdrawing $5500 daily from the card & the money has been in my own account. So glad i gave it a try at last & this card has really changed my life financially without getting caught, its real & truly works though its illegal but made me rich!! If you need this card from real hackers then here is their Email : ( noraatmcard@gmail.com )
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    ReplyDelete
  63. Hello friends i've been reluctant in purchasing this blank ATM card i heard about online because everything seems too good to be true, but i was convinced & shocked when my friend at my place of work got the card from Mrs Willie Sheila & we both confirmed it really works, without delay i gave it a go. Ever since then I've been withdrawing $5500 daily from the card & the money has been in my own account. So glad i gave it a try at last & this card has really changed my life financially without getting caught, its real & truly works though its illegal but made me rich!! If you need this card from real hackers then here is their Email : ( noraatmcard@gmail.com )
    NOTE: this is a life changing opportunity for you and it is safe and
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  64. Excellent and professional investigative services. I hired Mr Frank for a very private and difficult matter of hacking my husband's phone, and he far exceeded my expectations. He helped me get the info(whatsapp, facebook, text messages, call logs etc) I needed faster and cheaper than I had imagined. The first time we spoke, we had a very long phone consultation in which he gave me all my options that he could think of to resolve my case, and he even recommended I try other options before hiring him, which shows that he is honest. I decided to hire him and I am glad I did. He is a fantastic investigator and a great person and if you have a dishonest partner don't hesitate to send him a mail Contact: frankthegreathacker at g mail dot com. Eva Tito REFERRED YOU

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  65. Excellent and professional investigative services. I hired Mr Frank for a very private and difficult matter of hacking my husband's phone, and he far exceeded my expectations. He helped me get the info(whatsapp, facebook, text messages, call logs etc) I needed faster and cheaper than I had imagined. The first time we spoke, we had a very long phone consultation in which he gave me all my options that he could think of to resolve my case, and he even recommended I try other options before hiring him, which shows that he is honest. I decided to hire him and I am glad I did. He is a fantastic investigator and a great person and if you have a dishonest partner don't hesitate to send him a mail Contact: frankthegreathacker at g mail dot com. Eva Tito REFERRED YOU

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  66. My husband was so smooth at hiding his infidelity so I had no proof for months, I was referred to some hacker and decided to give him a try.. the result was incredible because all my cheating husband's text messages, whatsapp, facebook, deleted messages and even phone conversations was wired directly to my cellphone. CYBERPROFESSIONALHACKER helped me put a round-the-clock monitoring app on his phone without touching it and I got concrete evidence of his infidelity escapades..if your spouse is an expert at hiding his cheating adventures

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  68. Hello, I remember my experience with hackers I contacted online, I almost lost hope in finding out if my husband was loyal to me and has been loyal in our 6 years marriage, i lost a lot of funds in paying these so called hackers so I made up my mind that if I get scammed again I'll just forget about finding out what God doesn't want me to know, Then I saw reviews about ( mikejosh@cyber-wizard DOT com ) and decided contact him and if and if I hear any stupid excuse won't contact anybody and just accept that God doesn't want me to then he proved to me that he isn't a cheat by working a sample job for me but to my greatest surprise he did the job and sent results to me fast, i was so happy but sad part was I divorced my husband, and i will drop an advise for people who wants any kind of hacking services stopped being scammed by people who impersonate being hackers, contact ( mikejosh@cyber-wizard DOT com ) for a fast and clean job and you tell him Ms Doris reffered you. Thank me later.

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  75. This is the happiest moment of my life because i

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  81. I’m Dr Williams Curry, I want to say a Grateful thank you to Joe Engressia after different experience of fake hacker i have met,, a friend recommend him to me with faith i contact him and explain my self,on what’s happening in my marriage life, told me not to worry and gave me his word, i don’t know him never met him before but makes me feel comfortable with is word and experience, i caught my cheating wife red handed cheating with my best friend, who has always been in my house when am not around… i had to share this as am sure that most here are looking for the right hacker and have not seen yet,,, please try and contact Joe Engressia ( DIGITALDAWGPOUNDHACKERGROUP@GMAIL.COM ) on any service of help you need from him as hacker.. it a testimony you have the right to give yours too by helping others to know there is still high rate good hackers that are highly experienced, he responds on email,text messages and whatsapp… 
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  82. 25 % of your gross income saved, wow. I am behind the curve. Visit Pawn Shops Dallas if you need to sell something in Dallas.

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  86. I remember my experience with hackers i contacted online, i almost lost hope in finding out if my husband was loyal to me and has been loyal in our 20 years marriage, i lost a lot of funds in paying these so called hackers so i made up my mind that if i get scammed again i'll just forget about finding out what God doesn't want me to know, Then i saw reviews about ( mikejosh@cyber-wizard.com ) and decided contact him and if and if i hear any stupid excuse won't contact anybody and just accept that God doesn't want me to then he proved to me that he isn't a cheat by working a sample job for me but to my greatest surprise he did the job and sent results to me fast, i was so happy but sad part was i divorced my husband, and i will drop an advise for people who wants any kind of hacking services stopped being scammed by people who impersonate being hackers, contact ( mikejosh@cyber-wizard.com ) for a fast and clean job. Thank me later.

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  87. Excellent and professional investigative services. I hired Mr FRED for a very private and difficult matter of hacking my spouse's phone and he far exceeded my expectations. He helped me get some info such as whatsapp, facebook, text messages, call logs and even phone conversations that I needed for proof of her secretive affair. The first time we spoke, we had a very long phone consultation in which he gave me all my options that he could think of to resolve my case, and he even recommended I try other options before hiring him, which shows that he is honest. I decided to hire him and I am glad I did. He is a fantastic investigator and a great person; to all loyal partners out there if you have a dishonest partner don't hesitate to send him a mail
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  89. Do you know you can withdraw free cash from any ATM machine with a hacked ATM card?

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  91. Do you know you can withdraw free cash from any ATM machine with a hacked ATM card?

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