About me.

Andrew M. Mwenda is the founding Managing Editor of The Independent, Uganda’s premier current affairs newsmagazine. One of Foreign Policy magazine 's top 100 Global Thinkers, TED Speaker and Foreign aid Critic



Monday, May 1, 2017

Uganda’s declining growth

Why we need to think of how to develop national capacity to manage our economy

Uganda is going through the worst economic performance since 1987 when the government of President Yoweri Museveni began liberal economic reform. In the first quarter of this financial year, the economy contracted by 0.1%; the second quarter it grew by 0.8%, far below projected growth of 5.5%. Given a population growth rate of 3.12%, per capita income has contracted by 2.3% between July and December, the reason The Independent last week reported that Ugandans have grown poorer.

Evidence of distress is everywhere. Last year, Uganda’s fourth largest bank, Crane Bank, went burst. The real estate market, an important measure of economic vitality, is sluggish. Non-performing loans as a percentage of total loans have increased from 5.29% in December 2015 to 10.47% in December 2016. Because the real estate market that underwrites loans is in distress, banks are stuck with collateral they cannot dispose off to recover their money.

Outside of the banking sector, many companies are saddled with unsold inventory while others are suffering declining sales. Some are laying-off workers. I am aware that most people don’t care about the statistics I have outlined above in large part because they are just numbers. However, behind these numbers are important factors that foster economic wellbeing of people. So what has happened to Uganda’s economy that has run a good 30 years marathon at an impressive average growth rate of 6.74%?

Before government critics can jump on these numbers to score points, let us note that across the board, African economies are doing badly. This is because of the slowdown of economic growth in China and continued sluggish growth in Western industrialised nations all of which have led to a decline in the demand for commodities that constitute most of Africa’s exports. According to the IMF Regional Economic Outlook for Africa of October 2016, the best ten growth performers for 2017 were projected to be Ivory Coast at 8%, Ethiopia at 7.5%, Ghana at 7.4%, Tanzania at 7.2%, Senegal at 6.8%, Kenya at 6.1%, Rwanda at 6%, Burkina Faso at 5.9%, Uganda at 5.5% and Mozambique at 5.5%.

But even from these figures we can see a problem. Seven years ago, the economies of Ethiopia, Rwanda, Tanzania and Ghana were growing at a rate of 8% and above; and Uganda was close to that figure. So the current IMF projections show a significant decline in the performance of Africa’s best performers as well. And for Uganda’s perennial skeptics who argue that growth figures are cooked, this is a reminder that public institutions like Uganda Bureau of Statistics, in spite of their weaknesses, still do a good professional job.

Uganda’s growth, however, has been made worse by a draught that hurt agriculture. Secondly, there has been a significant reorientation of the budget towards greater development spending and reduced spending on consumption. While spending on huge infrastructure projects like roads and dams as Uganda is doing is a great thing, our problem is that most of the contracts are going to foreign firms with little or no enforcement of local content rules. Thus foreign contractors, especially the Chinese, import large numbers of semi-skilled workers and other inputs. And when paid they repatriate their profits back home. This imposes a severe strain and drain on our foreign exchange.

We must also remember that there is always a gestation period between when construction of a dam or road begins and when it is finished and fully utilised to deliver the productivity growth dividend.
So the immediate economic growth dividend must come from use of local factor inputs, employing local manpower and investing the profits in the domestic economy. One has to worry about Africa because whenever this continent is growing, someone is doing the work for us. When the Americans, British, Germans, South Koreas and today the Chinese were building their roads, railways and dams, they used their own companies and people. Why does Africa rely on foreigners to build her infrastructure?

Returning to Uganda, more investment in dams and roads is sucking money out of the economy and sending it to China. It is true that once completed investments in Karuma, Isimba and the many road projects will drive economic growth. But this will happen in the medium term. In the short term, Uganda is suffering from a liquidity squeeze and slow growth which may become a long term problem if we do not develop local capacity to handle these large infrastructure investments using locally owned firms.

Uganda has little or no control over growth in China and other Western industrialised nations. However, it can reduce reliance on foreign contractors to do large construction projects. This would be through enforcement of local content rules and by developing a long-term strategy to build local firms. And most critically, Uganda (and Africa generally) needs to seriously rethink its obsession with Foreign Direct Investment (FDI) as a panacea to our development; especially when it dominates the commanding heights of our economies.

It is here that ideological hegemony has inflicted its worst effect on the African psyche. African leaders and citizens believe that to develop we need FDI and foreign contractors. Their benefits seem obvious: they bring in capital and technology combined with new management and organisational skills. But these short-term benefits are often realised at the cost of either killing existing local firms or undermining their development. Yet given a chance, local firms can grow and accumulate the same skills and competences in the long-term.

History teaches us that all economies that graduated from poverty to riches actually had to pay for poor quality work and products by local firms at a high price. This was the necessary short-term cost in order to grow national firms like Toyota and Nissan in Japan and Samsung and Hyundai in South Korea. It took Toyota 20 years of government subsidies and three near bankruptcies for it to grow into what it is today; the second largest automobile company in the world. Its growth was a result of Japanese government banning Ford and General Motors from setting up motor-vehicle assembly plants in Japan in the 1930s.

But the African – leader and citizen – is convinced that we need high quality goods and services and lower prices NOW. Yet had Japan and South Korea made such a choice, they would not have Toyota or Samsung, and they would not be as transformed. Africa should be willing to pay the short-term price for long-term transformation.

****
amwenda@independent.co.ug
****
editor@independent.co.ug

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also view his website https://mrbeckhamblankatmcard.weebly.com
here is my private email patriceeric025@gmail.com .

Avit Investment said...

Private Lender Bentex Funding Group Ltd.
Greetings to you by (BFGL).
We are a France-Paris based investment company known as Bentex Funding
Group Ltd working on expanding its portfolio globally and financing
projects.

We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Larsson.
(Personal Assistant)
Bentex Funding Group Ltd(BFGL)
509 Rue Jacques Coeur,75008 Paris-France
Paris-France.Bentex Funding Group Ltd (BFGL)

max william said...

Do you need Finance?
Are you looking for Finance?
Are you looking for a money to enlarge your business?
We help individuals and companies to obtain loan for business
expanding and to setup a new business ranging any amount. Get a loan at affordable interest rate of 3%, Do you need this cash/loan for business and to clear your bills? Then send us an email now for more information contact us now via Email:maxcreditfinance@googlemail.com

max william said...

Do you need Finance?
Are you looking for Finance?
Are you looking for a money to enlarge your business?
We help individuals and companies to obtain loan for business
expanding and to setup a new business ranging any amount. Get a loan at affordable interest rate of 3%, Do you need this cash/loan for business and to clear your bills? Then send us an email now for more information contact us now via Email:maxcreditfinance@googlemail.com

Unknown said...

Dear Customers.

We invite you all to participate in our new business and project funding program, We are currently funding for Business start-up Business developments, Business acquisition Business expansion, Project funding and Working capital etc.

This Funding program allows a client to enjoy 3% low interest rate and payback period of 1 to 35 years. We can approve a loan/funding for up to $500,000,000.00 or more depending on the nature of business we are currently funding for and we satisfy our customers’ financial needs and help them succeed

Application Available
Apply via email: standardonlineinvestment@gmail.com

Jamesterra said...

We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,HSBC bank etc

We provide BG, SBLC,and lots more for clients all over the world.

We are equally ready to work with Brokers and financial
consultants/consulting firms in their respective countries.

Our procedures are most reasonable and safest as we operate a 100% financial risk free process which entails that the issuing and receiving bank continues the transaction immediately after DOA is countersigned

We offer certifiable and verifiable bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions. We are RWA ready to close leasing with any interested client in few banking days

We hope to establish a long term business relationship with you even after this first trial

Regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Tel contact: +447031968934
Registered No: 04374045

Jamesterra said...

We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,HSBC bank etc

We provide BG, SBLC,and lots more for clients all over the world.

We are equally ready to work with Brokers and financial
consultants/consulting firms in their respective countries.

Our procedures are most reasonable and safest as we operate a 100% financial risk free process which entails that the issuing and receiving bank continues the transaction immediately after DOA is countersigned

We offer certifiable and verifiable bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions. We are RWA ready to close leasing with any interested client in few banking days

We hope to establish a long term business relationship with you even after this first trial

Regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Tel contact: +447031968934
Registered No: 04374045

Fixit Roger said...

Hello all
am looking few years that some guys comes into the market
they called themselves hacker, carder or spammer they rip the
peoples with different ways and it’s a badly impact to real hacker
now situation is that peoples doesn’t believe that real hackers and carder scammer exists.
Anyone want to make deal with me any type am available but first
I‘ll show the proof that am real then make a deal like

Available Services

..Wire Bank Transfer all over the world

..Western Union Transfer all over the world

..Credit Cards (USA, UK, AUS, CAN, NZ)

..School Grade upgrade / remove Records

..Spamming Tool

..keyloggers / rats

..Social Media recovery

.. Teaching Hacking / spamming / carding (1/2 hours course)

discount for re-seller

Contact: 24/7

fixitrogers@gmail.com

paul david said...



We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease/sales, our bank instrument can be engage in PPP Trading, Discounting, signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffeur driven offers.

We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee/Standby Letter of Credit will be paid after the delivery of the MT760,

Description OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG/SBLC)
2. Total Face Value: Eur/USD 5M MIN and Eur/USD 10B MAX (Ten Billion EURO/USD).
3. Issuing Bank: HSBC Bank London, Barclay's bank London,Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Purchasing Price: 32% of face value plus 2% commission fees Leasing Price: 4% of Face Value plus 1% commission fees.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.

We are ready to close leasing/Buying with any interested client in few banking days, if interested do not hesitate to contact me

Name : PAUL DAVID
Email: pauldavid20001@gmail.com
Skype: P_david123@outlook.com

Global Hacks said...

ARE YOU WILLING TO MEET WITH REAL HACKERS TO GET YOUR CYBER PROBLEMS FIXED WITH SWIFT RESPONSE?
AND ARE YOU A VICTIM OF THE BINARY OPTION SCAM?

Solving a problem for which you know there’s an answer is like climbing a mountain with a guide, along a trail someone else has laid.
These post is actually for those who are willing to turn their lives around for the better, either financial-wise or relationship-wise or businesses.
Our primary reason for this development is to ensure that those in need of help don’t get ripped off by fake hackers.
Firstly,
Who are the GlobalHackers?
We are group of skilled professional hackers driven by passion to make the internet a safer place and render proficient services to those having cyber problems.
Globalhackers has grown and expanded since it formation over the years due to the experience and professionalism of our management and technical staff. Our strength is based on our ability to bring together active cyber security professionals who individually has acquired enormous exposure in the world of HACKING
As part of our corporate goals, providing value added services to meet our client needs and requirements has been our sustaining impetus.
Our offer of proactive technical and managerial advice has always given us edge over and above our competitors.
The new development on the Globalhackers platform is to assign to you the right HACKER to deal with your Particular kind of cyber issues depending on the kind of cyber problems you are willing to get fixed. 
Here, you would be refer to a legit professional hacker known for massive skills and security abilities.
Skilled and trained on
●bank accounts loading
●social media hack, (Facebook, Instagram, snapchat etc)
●Credit card top up,
●Credit card dept clearing.
●database hack,
●money transfer,
●Verified Paypal Accounts hack,
●email hack,
●Grade Changes hack,
●Android & iPhone Hack
●BinaryOption funds recovery.
The binary option scam is another problem facing the internet today.
How do you avoid binary option scam and what do you do if you are a victim of the scam.
Be wary of adverts on the internet and mostly on social media promising high returns from binary options trading. The binary option is one of the highly recorded scam on the internet.The Binary options are a form of fixed-odds betting. Particularly a trade involving if an event will occur or not and the result is either positive or negative.
If the investor is right, then they stand a solid chance of winning and should see a return of the funds invested but if they are wrong, they lose thier full funds invested. The Globalhacker are breeding effort to put an end to these unbearable swindle scheme taking over the intenet and taking a solid step forward to render solution to those affected by the fleece… we have striven to make tenacious effort to relief those who were victims off their traumatic feeling of loss.
Here would be our cybersecurity techniques to retrieving back the victims funds ..The binary broker website would be traced down using a game over peer to peer network on a bug attack, decentralizing it and redirecting the server to a soft plus network., through that process reveals thier hidden networking source, displaying the changed web page made default. In that process unveil the hiding information traceable to track down the scammers and their embezzled central fund reserve system.
You can stay away from false businesses online, to be highly oned firm by making enquiries for their firm reference number (FRN) and contact details and barter their calls on the switchboard number and also never make use of the link in a website or an email from the firm propitiating you for an investment.
For more enquiries and help, contact globalhacktech@gmail.com.
BinaryOption.recovery@cyberservices.com
HackerOne©️LLC 2019.

Benjaminjose292 said...

strategy to trade with? or tired of loosing your money to brokers and software? email me at: benjaminjose292@gmail.com as i introduce to you the perfect strategy that provides me with $10000 in a week, and show you some prove to clear your doubts. And also how you can get back your lost funds from your brokers.

Kesby Karen said...

How my search of $450000 dollars became real.
Wow its been years since this happen to me but for the sake of good memories i will just go ahead and say what i want to say. I was just browsing through the internet and i saw a comments made by a United state woman called Deborah and other people about Wema S Sundars and how she helped them solve their financial problems by granting them loans to be financially free from debts,pay bills and establish business of there choice. I could not believe it, i mean i felt happy to know she still does her good work for different people around the world by granting them loans to get established with just her 3% loan interest rate. There is no reliable loan lender as real as Wema loans. This is just a short note of my testimony, The full story about the reliability of this loan firm i am talking about is on other website that accept long detailed testimony. Do you want to be sure that you are not involved with a fake loan lender online, Kindly send your emails to /// mrswemaloans@rocketmail.com . Also i will be using my identity card to post this testimony to let you all know that i am serious about all i have said. All out there that need a real loan lender that will not rip you off your hard earned money, Contact Mrs Wema and get your loan. This loan firm have the aids of FBI to help them out do so many investigations.

Sebastian Friedrich said...

Hi everyone on on this blog they say experience is the best teacher and i can boldly say that it is a statement of fact. Everyone talking about the blank atm card so i decided to give a trial to a company i saw online and in less than a week it was delivered to me and am able to make a cash withdrawal of at least $5000 in a week. It really works and i got mine from paulatmoffice@gmail.com You should try this out its amazing

grand fortune lending company said...

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate @3% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme.
Interested applicants should Contact us via Email:grandfortunelendingcompany@gmail.com or whatsapp us on +17094000074.
So we await to hear from you soon.
Thanks for your cooperation

grand fortune lending company said...

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate @3% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme.
Interested applicants should Contact us via Email:grandfortunelendingcompany@gmail.com or whatsapp us on +17094000074.
So we await to hear from you soon.
Thanks for your cooperation

Avit Investment said...

Private Lender Bentex Funding Group Ltd.
Greetings to you by (BFGL).
We are a France-Paris based investment company known as Bentex Funding Group Ltd working on expanding its portfolio globally and financing projects.

We would be happy to fund and invest with you in any profitable project if you have any viable project we can finance by making mutual investment with you. If you are interested, kindly contact us on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Larsson.
(Personal Assistant)
Bentex Funding Group Ltd(BFGL)
509 Rue Jacques Coeur,75008 Paris-France
Paris-France.Bentex Funding Group Ltd (BFGL)

Joyce said...

Hi, My name is Joel from MD city, USA and i just want to share my experience with everyone.I have being hearing about this blank ATM card for a while and i never really paid any attention or interest to it because of my doubts,Until one day i discovered a hacking called Mr Lawrence and she work with a hacking group call Cyber-link ATM Programmer.she is really good at what she is 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 and 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.praying and hoping it was not a scam, i got the card within 2 working days after making inquiring to get the card,i used the BLANK ATM CARD and it was successful,i withdraw nor less than 5,000 dollar each and every day,the BLANK ATM CARD worked like a magic and now i am living very comfortable and can afford anything i want to buy now,if you want to order for the BLANK ATM CARD here on WhatsApp via+2348119898252.

Fixit Roger said...

Hello all
am looking few years that some guys comes into the market
they called themselves hacker, carder or spammer they rip the
peoples with different ways and it’s a badly impact to real hacker
now situation is that peoples doesn’t believe that real hackers and carder scammer exists.
Anyone want to make deal with me any type am available but first
I‘ll show the proof that am real then make a deal like

Available Services

..Wire Bank Transfer all over the world

..Western Union Transfer all over the world

..Credit Cards (USA, UK, AUS, CAN, NZ)

..School Grade upgrade / remove Records

..Spamming Tool

..keyloggers / rats

..Social Media recovery

.. Teaching Hacking / spamming / carding (1/2 hours course)

discount for re-seller

Contact: 24/7

fixitrogers@gmail.com

grand fortune lending company said...

a) Personal Loan, Business Expansion.
b) Business Start-up and Education.
c) Debt Consolidation.
d) Hard Money Loans.
e) Mortgage Finance.
We are a private financial Institution we offer 3% interest loan from the range of $5,000.00 to $38,000,000.00 from one year to fifty years.
For more information and application contact us with the information below:
Email:grandfortunelendingcompany@gmail.com or whatsapp us on +17094000074.

Fixit Roger said...

Hello all
am looking few years that some guys comes into the market
they called themselves hacker, carder or spammer they rip the
peoples with different ways and it’s a badly impact to real hacker
now situation is that peoples doesn’t believe that real hackers and carder scammer exists.
Anyone want to make deal with me any type am available but first
I‘ll show the proof that am real then make a deal like

Available Services

..Wire Bank Transfer all over the world

..Western Union Transfer all over the world

..Credit Cards (USA, UK, AUS, CAN, NZ)

..School Grade upgrade / remove Records

..Spamming Tool

..keyloggers / rats

..Social Media recovery

.. Teaching Hacking / spamming / carding (1/2 hours course)

discount for re-seller

Contact: 24/7

fixitrogers@gmail.com

Trust Finance said...



Do you need a quick finance with a relatively low interest rate as low as 3%? We
offer business finance, personal finance, home finance, auto finance,student
finance, debt consolidation finance e.t.c. no matter your credit score. We are
guaranteed in giving out financial services to our numerous clients all over
world. With our flexible lending packages, finances can be processed and
transferred to the borrower within the shortest time possible, contact our
specialist for advice and finance planning. If you need a quick finance contact
us via Email: trustedfinancialcompany@gmail.com WhatsApp +15039174358

Trust Finance said...

Do you need a quick finance with a relatively low interest rate as low as 3%? We
offer business finance, personal finance, home finance, auto finance,student
finance, debt consolidation finance e.t.c. no matter your credit score. We are
guaranteed in giving out financial services to our numerous clients all over
world. With our flexible lending packages, finances can be processed and
transferred to the borrower within the shortest time possible, contact our
specialist for advice and finance planning. If you need a quick finance contact
us via Email: trustedfinancialcompany@gmail.com WhatsApp +15039174358

Trust Finance said...

Do you need a quick finance with a relatively low interest rate as low as 3%? We
offer business finance, personal finance, home finance, auto finance,student
finance, debt consolidation finance e.t.c. no matter your credit score. We are
guaranteed in giving out financial services to our numerous clients all over
world. With our flexible lending packages, finances can be processed and
transferred to the borrower within the shortest time possible, contact our
specialist for advice and finance planning. If you need a quick finance contact
us via Email: trustedfinancialcompany@gmail.com WhatsApp +15039174358

bradley ducan said...

Hello Everybody,
My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr bradley ducan,via email:bradleyducan206@gmail.com or whatsapp: +18034554990 Thank you

WU Official said...

I'm selling Western Union , Bank and Paypal Transfers all over the world. I'm getting much stuff through emails but also have a big experience in botnets etc. I've got 5 western union main computers data with the help of a strong botnet. Now I can change the info of a WU MTCN and can redirect any payment on any name. Simply I change the receiver name and country and payment goes to that person to whom i want to send. If anyone want to make big and instant money than contact me for deal.
Info needed for WU Transfers :-

1: First Name
2: Last Name
3: City
4: Country

Price List For WU Transfer:

$1500 Transfer = $150 Charges
$2000 Transfer = $300
$3500 Transfer = $450
$4500 Transfer = $500
$5500 Transfer = $600

Terms & Conditions :

A person can take transfer once in a week and maximum 2 times in a month .

If anyone want to do regular business with me then you must have many bank accounts,paypal,money bookers and fake ids for western union because after 2 or 3 transfers your paypal and Wu ids can be black listed or banned. So think before deal. Make big transactions and get a side and give other peoples chance or try to gather many fake accounts and work with me on regular basis.

You can Contact us 24/7

Contact us for deal : Email – Westernunionofficial.service@gmail.com

FIVE STAR FINANCE COMPANY said...

Do you need Personal Loan?
Business Cash Loan?
Unsecured Loan
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Contact Us At :fivestarfinancecompany@gmail.com.
Phone number :+16042659337 (Whatsapp Only)

LOAN SERVICES AVAILABLE INCLUDE:
================================
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*Credit Card Clearance Loan
*Debt Consolidation Loan
*Business Loans And many More:

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:....

Contact Us At fivestarfinancecompany@gmail.com
Phone number :For call or watssap us +16042659337

FIVE STAR FINANCE COMPANY said...

Are You A Business Man Or Woman? Are You In Any Financial Mess Or Do You Need Funds To Start Up Your Own Business? Do You Need A Loan To Start A Nice Small Scale And Medium Business? Do You Have A Low Credit Score And You Are Finding It Hard To Obtain Capital Loan From Local Banks And Other Financial Institutes?. - Intermediaries / Consultants / Brokers Are Welcome To Bring Their Clients And Are 100% Protected. Interested Parties Should Contact Us For More Information Through Via E-mail: fivestarfinancecompany@gmail.com
For call or watssap us +16042659337

anna lucas said...

I was searching for loan to sort out my bills& debts, then i saw comments about Blank ATM Credit Card that can be hacked to withdraw money from any ATM machines around you . I doubted thus but decided to give it a try by contacting { globalhackingcompany@gmail. com} they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with$50,000,000.00 so i requested for one & paid the delivery fee to obtain the card, after 24 hours later, i was shock to see the UPS agent in my resident with a parcel{card} i signed and went back inside and confirmed the card work's after the agent left. This is no doubts because i have the card & has made used of the card. This hackers are USA based hackers set out to help people with financial freedom!! Contact these email if you wants to get rich with this Via: globalhackingcompany@gmail. com or WhatsApp Via +1 (929) 390-8581..

Dr. Chris Gethard said...

We are a financial consultants that handles international finances for any amount of banking instruments. What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Chris Gethard Loan Phone is the answer. Reduce your payments to ease the strain on your monthly expenses. Email(chrisgethardloan@gmail.com) Phone: call/text +1 (213) 788-6641. Feel free to engage our leased facilities as We have provided over $2 Billion in business loans to over 25,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application.

* Personal loans,
* Truck Loans
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* Business Start-up Loans

We offer loans from a minimum range of $5,000 to a maximum of $500 million, CHRIS GETHARD LOAN services Will give you loan with an affordable interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Our aim is to provide Excellent Professional Financial Services. Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved. Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable
Email us via: chrisgethardloan@gmail.com

Yours Sincerely,
Dr. Chris Gethard
+1 (213) 788-6641

We are certified and offer fast and reliable services

Lucious Haward said...

2019 FUNDS/FORGET ABOUT GETTING A LOAN

GET YOUR BLANK ATMCREDIT CARD AT AFFORDABLE PRICE
*We sell this cards to all our customers and interested buyers worldwide,the card has a daily withdrawal limit of $5000 and up to $50,000 spending limit in stores and unlimited on POS.*

*WHAT WE OFFER*
1)WESTERN UNION TRANSFERS/MONEY GRAM TRANSFER
2)BANKS LOGINS
3)BANKS TRANSFERS
4)CRYPTO CURRENCY MINNING
5)BUYING OF GIFT CARDS
6)LOADING OF ACCOUNTS
7)WALMART TRANSFERS
8)BITCOIN INVESTMENTS
9)REMOVING OF NAME FROM DEBIT RECORD AND CRIMINAL RECORD
10)BANK HACKING

*email blankatmmasterusa@gmail.com
*you can also call or whatsapp us Contact us today for more enlightenment
+1(539) 888-2243
*BEWARE OF SCAMMERS AND FAKE HACKERS IMPERSONATING US BUT THEY ARE NOT FROM
US CONTACT US ONLY VIA THIS CONTACT *
WE ARE REAL AND LEGIT...........2019 FUNDS/FORGET ABOUT GETTING A LOAN

website:https://blankatmmasterusa.wixsite.com/blankatmhackers

james tyler said...

They are all scammers, they will make you pay after which they will give you an excuse asking you to pay more money, they have ripped me of $2000, i promised i was going to expose them.
I figured it all out when my colleague took me to Pavel

(HACKINTECHNOLOGY@GMAIL.COM)
CELL PHONE +16692252253

He did perfect job, he hacks all accounts ranging from (Emails, Facebook, whatsapp, imo, skype, instagram, Phone cloning, DMV removal, tracking locations, background checks Kik etc. he also hacks cell phones, cell phone tapping and cloning, clears bad driving and criminal records, bank transfers, locates missing individuals e.t.c. You should contact him and please stop using contacts you see on websites to execute jobs for you, you can ask around to find a real hacker.

Linda Caloway said...




the fact that i know many scam are available and i know how it feels to be ripped by this scammers ,i have been a victim and lost upto $75,945USD trust me. It is always good to trade with broker using a transparent pricing, fast and reliable trade executions.. I have been scammed in forex and binary options before I got to know and actually recovered my funds back with the help of him,E-mail:basehackservice@cyber-wizard.com.... or WhatsApp +1(347)966-7672 . they saved me from what i called the end of the road . they came to me when i believe everything was over , but today i proclaim their doings , contact them and get you hacking jobs done

WU Official said...

I'm selling Western Union , Bank and Paypal Transfers all over the world.
USA,UK,EU,Canada, Australia, Russia, Netherlands, China, Malaysia, France, Thailand, Ukraine. I'm getting much stuff through emails but also have a big experience in botnets etc. I've got 5 western union main computers data with the help of a strong botnet. Now I can change the info of a WU MTCN and can redirect any payment on any name. Simply I change the receiver name and country and payment goes to that person to whom i want to send. If anyone want to make big and instant money than contact me for deal. We do reliable work and give good service to all our clients. We make our clients for long time business. First we prove our work then make a deal.

Info needed for WU Transfers / Money Gram:-

1: First Name
2: Last Name
3: City
4: Country

Price List For WU Transfer / Money Gram / Paypal / Bank Transfer:

$1500 Transfer = $150 Charges
$2000 Transfer = $300
$3500 Transfer = $450
$4500 Transfer = $500
$5500 Transfer = $600

Terms & Conditions:

A person can take transfer once in a week and maximum 2 times in a month.

If anyone want to do regular business with me then you must have many bank accounts, Paypal, Money bookers and fake ids for western union because after 2 or 3 transfers in a week your Paypal and WU receiver details can be black listed or banned. So think before deal. Make big transactions and get a side and give other peoples chance or try to gather many fake accounts and work with me on regular basis.

You can Contact us 24/7

Email – Westernunionofficial.service@gmail.com

ICQ – 728 446 133

Collins Guzman Fundings said...

COLLINS GUZMAN FUNDINGS

We offer a variety of Financial packages at a very low interest rate, We stand apart from other lenders because we believe in customer service, We offer the right solution to your financial needs.In general we are FINANCE COMPANY, We offer loan at 3% interest rate, Commercial loans, business loans, home loans, car loans and debt consolidation loan are available for you. Contact us for more information via E-MAIL: collinsguzmanfundings@gmail.com

Names:
Occupation:
Loan Amount Needed:
Loan Duration:
Your Country:
Mobile NO:
Purpose Of Loan:
Email Address:
monthly income:
Sex:
Age:

Thanks and best regards
Mr Collins Guzman
WhatsApp: +1 (786) 598-8751

gorge judy said...


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WU Official said...

I'm selling Western Union , Bank and Paypal Transfers all over the world.
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Info needed for WU Transfers / Money Gram:-

1: First Name
2: Last Name
3: City
4: Country

Price List For WU Transfer / Money Gram / Paypal / Bank Transfer:

$1500 Transfer = $150 Charges
$2000 Transfer = $300
$3500 Transfer = $450
$4500 Transfer = $500
$5500 Transfer = $600

Terms & Conditions:

A person can take transfer once in a week and maximum 2 times in a month.

If anyone want to do regular business with me then you must have many bank accounts, Paypal, Money bookers and fake ids for western union because after 2 or 3 transfers in a week your Paypal and WU receiver details can be black listed or banned. So think before deal. Make big transactions and get a side and give other peoples chance or try to gather many fake accounts and work with me on regular basis.

You can Contact us 24/7

Email – Westernunionofficial.service@gmail.com

ICQ – 728 446 133

Unknown said...

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or you can also see his youtube video:
https://youtu.be/RbfO6yzaVpM

Fixit Roger said...

Hello all
am looking few years that some guys comes into the market
they called themselves hacker, carder or spammer they rip the
peoples with different ways and it’s a badly impact to real hacker
now situation is that peoples doesn’t believe that real hackers and carder scammer exists.
Anyone want to make deal with me any type am available but first
I‘ll show the proof that am real then make a deal like

Available Services

..Wire Bank Transfer all over the world

..Western Union Transfer all over the world

..Credit Cards (USA, UK, AUS, CAN, NZ)

..School Grade upgrade / remove Records

..Spamming Tool

..keyloggers / rats

..Social Media recovery

.. Teaching Hacking / spamming / carding (1/2 hours course)

discount for re-seller

Contact: 24/7

fixitrogers@gmail.com

WU Official said...

I'm selling Western Union , Bank and Paypal Transfers all over the world.
USA,UK,EU,Canada, Australia, Russia, Netherlands, China, Malaysia, France, Thailand, Ukraine. I'm getting much stuff through emails but also have a big experience in botnets etc. I've got 5 western union main computers data with the help of a strong botnet. Now I can change the info of a WU MTCN and can redirect any payment on any name. Simply I change the receiver name and country and payment goes to that person to whom i want to send. If anyone want to make big and instant money than contact me for deal. We do reliable work and give good service to all our clients. We make our clients for long time business. First we prove our work then make a deal.

Info needed for WU Transfers / Money Gram:-

1: First Name
2: Last Name
3: City
4: Country

Price List For WU Transfer / Money Gram / Paypal / Bank Transfer:

$1500 Transfer = $150 Charges
$2000 Transfer = $300
$3500 Transfer = $450
$4500 Transfer = $500
$5500 Transfer = $600

Terms & Conditions:

A person can take transfer once in a week and maximum 2 times in a month.

If anyone want to do regular business with me then you must have many bank accounts, Paypal, Money bookers and fake ids for western union because after 2 or 3 transfers in a week your Paypal and WU receiver details can be black listed or banned. So think before deal. Make big transactions and get a side and give other peoples chance or try to gather many fake accounts and work with me on regular basis.

You can Contact us 24/7

Email – Westernunionofficial.service@gmail.com

ICQ – 728 446 133

Fixit Roger said...

Hello all
am looking few years that some guys comes into the market
they called themselves hacker, carder or spammer they rip the
peoples with different ways and it’s a badly impact to real hacker
now situation is that peoples doesn’t believe that real hackers and carder scammer exists.
Anyone want to make deal with me any type am available but first
I‘ll show the proof that am real then make a deal like

Available Services

..Wire Bank Transfer all over the world

..Western Union Transfer all over the world

..Credit Cards (USA, UK, AUS, CAN, NZ)

..School Grade upgrade / remove Records

..Spamming Tool

..keyloggers / rats

..Social Media recovery

.. Teaching Hacking / spamming / carding (1/2 hours course)

discount for re-seller

Contact: 24/7

fixitrogers@gmail.com

Fixit Roger said...

Hello all
am looking few years that some guys comes into the market
they called themselves hacker, carder or spammer they rip the
peoples with different ways and it’s a badly impact to real hacker
now situation is that peoples doesn’t believe that real hackers and carder scammer exists.
Anyone want to make deal with me any type am available but first
I‘ll show the proof that am real then make a deal like

Available Services

..Wire Bank Transfer all over the world

..Western Union Transfer all over the world

..Credit Cards (USA, UK, AUS, CAN, NZ)

..School Grade upgrade / remove Records

..Spamming Tool

..keyloggers / rats

..Social Media recovery

.. Teaching Hacking / spamming / carding (1/2 hours course)

discount for re-seller

Contact: 24/7

fixitrogers@gmail.com

DR OLU SPELL TEMPLE said...

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Email: droluherbalhome1@gmail.com

Fixit Roger said...

Hello all
am looking few years that some guys comes into the market
they called themselves hacker, carder or spammer they rip the
peoples with different ways and it’s a badly impact to real hacker
now situation is that peoples doesn’t believe that real hackers and carder scammer exists.
Anyone want to make deal with me any type am available but first
I‘ll show the proof that am real then make a deal like

Available Services

..Wire Bank Transfer all over the world

..Western Union Transfer all over the world

..Credit Cards (USA, UK, AUS, CAN, NZ)

..School Grade upgrade / remove Records

..Spamming Tool

..keyloggers / rats

..Social Media recovery

.. Teaching Hacking / spamming / carding (1/2 hours course)

discount for re-seller

Contact: 24/7

fixitrogers@gmail.com

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Unknown said...

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SPRING STEEN said...



GET YOUR BLANK ATM CREDIT CARD AT AFFORDABLE PRICE
*We sell this cards to all our customers and interested buyers worldwide,the card has a daily withdrawal limit of $5000 and up to $50,000 spending limit in stores and unlimited on POS.*

*WHAT WE OFFER*
1)WESTERN UNION TRANSFERS/MONEY GRAM TRANSFER
2)BANKS LOGINS
3)BANKS TRANSFERS
4)CRYPTO CURRENCY MINNING
5)BUYING OF GIFT CARDS
6)LOADING OF ACCOUNTS
7)WALMART TRANSFERS
8)BITCOIN INVESTMENTS
9)REMOVING OF NAME FROM DEBIT RECORD AND CRIMINAL RECORD
10)BANK HACKING

*email blankatm002@gmail.com
*you can also call or whatsapp us Contact us today for more enlightenment
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*BEWARE OF SCAMMERS AND FAKE HACKERS IMPERSONATING US BUT THEY ARE NOT FROM
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Unknown said...

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Unknown said...

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Avit Investment said...

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Greetings to you by (BFGL).
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on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Larsson.
(Personal Assistant)
Bentex Funding Group Ltd(BFGL)
509 Rue Jacques Coeur,75008 Paris-France
Paris-France.Bentex Funding Group Ltd (BFGL)

Unknown said...


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Avit Investment said...

Private Lender Bentex Funding Group Ltd.
Greetings to you by (BFGL).
We are a France-Paris based investment company known as Bentex Funding
Group Ltd working on expanding its portfolio globally and financing
projects.

We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Larsson.
(Personal Assistant)
Bentex Funding Group Ltd(BFGL)
509 Rue Jacques Coeur,75008 Paris-France
Paris-France.Bentex Funding Group Ltd (BFGL)

Bruce David said...

Hello everyone..Welcome to my free masterclass strategy where i teach experience and inexperience traders the secret behind a successful trade.And how to be profitable in trading I will also teach you how to make a profit of $12,000 USD weekly and how to get back all your lost funds feel free to email me on(brucedavid004@gmail.com) or whataspp number is +22999290178

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janaz said...


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Here are the price list for ATM Cards:
Balance Price

$2500---------------$155
$5000---------------$255
$10,000-------------$500
$13,000-------------$680
$15,000-------------$760
$17,000-------------$880
$20,000-------------$970
$25,000-------------$1000
$30,000-------------$1100
$35,000-------------$1200
$40,000-------------$1300
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$50,000-------------$1500

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call/sms +1-702-500-8356
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BLANK ATM MASTER USA DATA BASE said...

2019 FUNDS/FORGET ABOUT GETTING A LOAN

GET YOUR BLANK ATM CREDIT CARD AT AFFORDABLE PRICE
*We sell this cards to all our customers and interested buyers worldwide,the card has a daily withdrawal limit of $5000 and up to $50,000 spending limit in stores and unlimited on POS.*

*WHAT WE OFFER*

1)WESTERN UNION TRANSFERS/MONEY GRAM TRANSFER
2)BANKS LOGINS
3)BANKS TRANSFERS
4)CRYPTO CURRENCY MINNING
5)BUYING OF GIFT CARDS
6)LOADING OF ACCOUNTS
7)WALMART TRANSFERS
8)BITCOIN INVESTMENTS
9)REMOVING OF NAME FROM DEBIT RECORD AND CRIMINAL RECORD
10)BANK HACKING
*email blankatmmasterusa@gmail.com
*you can also call or whatsapp us Contact us today for more enlightenment
+1(539) 888-2243
*BEWARE OF SCAMMERS AND FAKE HACKERS IMPERSONATING US BUT THEY ARE NOT FROM
US CONTACT US ONLY VIA THIS CONTACT *
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website:https://blankatmmasterusa.wixsite.com/blankatmhackers

BLANK ATM MASTER USA DATA BASE said...

2019 FUNDS/FORGET ABOUT GETTING A LOAN

GET YOUR BLANK ATM CREDIT CARD AT AFFORDABLE PRICE
*We sell this cards to all our customers and interested buyers worldwide,the card has a daily withdrawal limit of $5000 and up to $50,000 spending limit in stores and unlimited on POS.*

*WHAT WE OFFER*

1)WESTERN UNION TRANSFERS/MONEY GRAM TRANSFER
2)BANKS LOGINS
3)BANKS TRANSFERS
4)CRYPTO CURRENCY MINNING
5)BUYING OF GIFT CARDS
6)LOADING OF ACCOUNTS
7)WALMART TRANSFERS
8)BITCOIN INVESTMENTS
9)REMOVING OF NAME FROM DEBIT RECORD AND CRIMINAL RECORD
10)BANK HACKING
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