Wednesday, April 13, 2016

Dear Frau: I’m moving to Switzerland and I have questions

Welcome to another edition of Dear Frau. It's kind of like Dear Abby, but with an international twist. If you have questions about life in Switzerland, don't hesitate to contact the Frau and maybe your little Frage will be in the next edition of Dear Frau.


Dear Frau,

I loved reading your columns. I’m gravitated by your love and positivity of Switzerland and not trying to hold onto all US things and attitude, especially while living there. The majority I have spoken with advised me to take 50+ boxes of Mac & Cheese. My family doesn’t eat that stuff and in the land of cheeses, why not boil some pasta and make a sauce with some local cheese.

I’m an anxious person and I’ve been trying to do as much research as time allows, but I’m going in circles trying to prepare for our move (sell off stuff electronics and stuff won’t use upon our return, decide what to put in long term storage, and what new items to buy all the while trying to prep our house to put on the market) and make decisions around what to send over. Some expats I have spoken with gave me advice about all the US things we can’t get in Switzerland or that may be much more expensive, especially things our kids may need or want. Maybe telling you about myself and my desire would be helpful. 

Moving boxes in The Frau's Swiss apartment
My life can be summed up as a Midwestern mom of two small children desiring a minimalist lifestyle so the family can slow down and enjoy traveling the world. Right now I am living in an oversized home, collecting too many things (I could be a borderline hoarder similar to a mom in the Depression Era because I went from making a great living to becoming a stay at home mom and feel like I have to save money, reduce, reuse and recycle. Also, I’ve never liked being wasteful.), driving a minivan, cleaning all day but have nothing to show for it, and feeling like I have no time for anything. I always thought I would travel the world and be free of material burden and not live like the “Joneses”, pun intended. I want to start fresh and have a real Swiss experience, as I would love to become fluent in French and live like Europeans. 

We’ll be living in a small town between Geneva and Lausanne. From what I gather, it’s the country even though I consider vineyards and a view of Lac Leman and the alps as luxury. We will be living in a smaller modern home, which is completely different from our US style so most of our current furniture won’t fit or work well. Although I desire to become a minimalist, the planner in me wants to have a surplus of items on hand to make my family’s life smoother and calm my fear of not being able to get it until we return to the US for holidays or may have to pay an arm and a leg to ship.

So...that was my novel. Here are my questions:

We will have a 40 ft. container to send our belongings from the US to Switzerland at no cost. What would you send over vs. buying there?

The Frau also was able to send a 40 ft. container from the US to Switzerland at no cost. She sent everything she couldn’t or didn’t want to sell in the US. Because here’s the reality, Yodelers, as The Frau learned—when three years in Switzerland turned into 8.5—you never know where you’re going to go next. Paying to store things when you can ship them for free makes no sense. Were there boxes The Frau shipped that never got opened in 8.5 years? Sadly yes. Are there boxes in her big, fat American basement now that haven’t been opened since she moved “home” 1.5 years ago? Yes. Fact of life and of moving.

What are your recommendations on how to adjust quickly after settling in? I keep 
hearing the ‘wives’ get depressed and miss family once the boxes are unpacked.

Keep busy. Busy is an American thing after all! But The Frau doesn’t mean busy as in busy work, but busy in having a purpose. This could mean anything from finding a job to starting a blog that will document every fountain in the city of Zurich. It could also mean taking a language class or joining a club. Anything to keep you from sitting at home wondering what the heck you just did with your life! 

How do families save money when everything is expensive?

Ok. Here’s the great Switzerland myth, and one that The Frau has written about for the Wall Street Journal if you want more info. Yes, Switzerland is expensive. But the salaries are also some of the highest in the world. The Swiss have enormous purchasing power both at home and abroad. Everyone should be so lucky.

Look. This is a cliché every Swiss brand wants you to believe—but in general, you do get what you pay for. Swiss trains are expensive, for example, but they also provide timely, efficient service and crisscross the entire country, which is more than any American train service can claim. The extra few francs are well worth it and won’t affect those making Swiss salaries.

Some things in Switzerland are amazing values—these include public swimming pools, ice rinks, nature playgroups for toddlers, Swiss produce (try to find a tomato that actually tastes like a tomato in the U.S.—you can’t find this at any price in a grocery store).

Most people who move to Switzerland are surprised at how much money they end up saving.

Tips on grocery shopping and cooking? I realize food prices are high and the kitchen
appliances are smaller. The refrigerator in our new house is almost the size of a 
college dorm fridge. 

As an American in Switzerland, you have to change how you shop. Grocery shopping is an almost daily event in Switzerland. This is for many reasons—small refrigerators, lack of basements, ability to carry things if you don’t own a car, fresh breads, and the ripeness of produce, which is sold ready to eat and without the preservatives found in American foods. Buy some Swiss strawberries and you’ll be lucky if they last a day before molding.

How did you work around not having the conveniences we have in the states? i.e., 24 
hour grocery and pharmacy, large washer and dryer, giant fridge and deep freeze, 
drive-thru, lots of storage space, etc…

It takes awhile, but you learn to adapt to the new way of life. You have to plan a bit more to make sure, for instance, you have food for Sunday, but you get used to it and then you realize how pointless it is to make retail workers work all night. There’s just no reason for it.

Sharing a washing machine and dryer can be a pain, but you also learn how to deal with that. The Frau never was able to clean the lint from the dryer properly, according to her Swiss neighbor, but that’s just something else she learned to accept.

What type of vehicle(s) do you recommend to accommodate a family of four that’s safe 
and has good resale in 3-5 years? I keep hearing smaller is better. My kids will be 4 
and 2 yrs. when we get there so we still need car seats and a stroller.

The Frau has no idea. Her idea of a good vehicle is no vehicle. The Swiss life allows one to live without a car so that’s what she did. However, she would recommend buying one second-hand from another expat who is leaving the country asap and desperate to sell it. That's probably the best way to get a good deal. Maybe some others can comment on this below?

Are European car seats slim to accommodate smaller vehicles? Is it better to take over US car seats? 

In general, European cars are smaller. US and European car seats have different regulations so they have different models. These are also good things to buy second hand from other expats.

Are European strollers sleeker? If so, where can I purchase one?

The Frau had two strollers. One small, cheap $20 collapsible one from the U.S. for city trips, and one heavy-duty mountain stroller (she bought a TFK model from Germany). She recommends buying strollers in the U.S. or in Germany. Swiss mountain strollers can cost upwards of CHF 2000. Not a joke. The used market for Swiss strollers is insane as well. People want CHF 250-500 for their USED stroller.

How did your family survive the summer heat without air conditioning?

We bought fans and we sweated. Again, you get used to it. It was an excuse to jump into the lake during lunchtime at the office. Everyone from The Frau’s office was at the lake. It was fun. Of course, the heat was less fun when The Frau was pregnant, but now she hates American air conditioning for its wastefulness. Wearing a sweater in the summer is ridiculous too. The Frau learned to live with weather, something Americans don’t do. For example, Swiss children never don’t go out to play—if it’s raining, you dress them in complete rubber outfits. And they play. Outside. Weather is not an excuse not to go out in Switzerland.

I may be interested in working part-time. What’s the best way to find a professional but 
flexible position?

Finding a job is about making connections--no matter where in the world you are looking for one. It’s about who you know, even if at first glance it appears you know no one. Get on LinkedIn and see who you know who knows someone. Ask at your current office if they can connect you to someone in Switzerland—The Frau’s did by sending her resume to NYC and then NYC sent it to someone in Zurich. And that’s how The Frau eventually found her job. Submitting blindly is not the answer. 

And make sure your resume is prepared for Switzerland—which means things like including a photo and your birthdate and nationality at the top. Almost all jobs in Switzerland—from top management to law to engineering can be negotiated for part-time work. It’s one of the best things about working in Switzerland—often you can work as much or as little as you would like but still keep up your career.

I would like our family to travel on weekends within Switzerland and to nearby countries but don’t know where to start. Any advice on where to go and what to see?

Start with the next town over and go from there--that's what The Frau used to do when she had her GA (Swiss Train Pass). Also: The Frau is currently working on a Swiss insider travel guide that will be out (hopefully) next year. But until then, yes, cross big things off your bucket list. The Matterhorn. The Aletsch Glacier. Hike from Preda to Bergün. But also go to the little villages. Find the organic farm store in the middle of nowhere. Sometimes the best travel experiences are the unexpected ones.

Any other advice?

Read this blog. Read other blogs. Read books about Switzerland. Connect with groups on Facebook. The more you know about a place, the easier (and sometimes admitedly harder) it becomes. Enjoy your time as an expat. Accept the Swiss for who they are. You won’t change them—but, as The Frau discovered and wrote about in her book on Switzerland, the Swiss just might change you.

Can you help our Midwestern friend with her questions or do you have a different opinion than The Frau on something? Leave a comment. Vielen Dank, mitenand.

190 comments:

Kempeth said...

Some comments on car and summer heat:

I recommend you talk with other expats in that area if possible. Depending on the size of your town a car might be a good idea. While public transport is generally very good and in the area you've specified you should definitely be able to get by for most day to day need without a car. That said, in more rural areas connections can be a bit less frequent and being able to take the car to the next big city for more serious shopping might be very useful.

As for the summer heat. If as you said you'll be living in a more modern home then chances are good that it has pretty good insulation. That together with opening windows at night to cool down and closing the shutters during the day to keep the heat out can often help significantly. And as said by the Frau fans can help with the rest. But there's still probably going to be some sweating...

Jacinda said...

Re: Car

It's definitely worth mentioning that children under 6 years of age travel for free on public transit as long as they are with a valid ticket holder (and are half-price from 6-16), so you may actually save money on gas and maintenance by not having a car and be able to just rent or borrow one if you ever do need it. Plus, the kids (and everyone!) can get up and move around on the train (not to mention use the restroom as needed instead of having to find one) so it's far more pleasant than being stuck in a car for hours.

SBB children's ticket info: https://www.sbb.ch/en/travelcards-and-tickets/tickets-for-switzerland/children.html Some of the longer routes even have a designated family car that includes a playground on the train itself (https://www.sbb.ch/en/station-services/on-the-train/family.html).

My husband and I don't have children yet, but have commented on how much more often we actually see children here (we're living in downtown Zürich) versus in the US, even though the birthrates aren't that different. As the Frau mentioned, Swiss children seem to be outside all the time, using any of the abundance of clean, safe, well-maintained playgrounds. Speaking of playgrounds, when you make it to Bern, take your kids up to the Gurten park (http://www.gurtenpark.ch/Freizeit). Within the last year, they finished a number of additions to the children's areas and I was definitely jealous of the kids.

Kelli Shoe said...

Kansas girl here. Lived 5 years in Zurich, now in Singapore. Couple things to add. We are childless and lived without a car for the first 2 years. Once we got one, it was only used on the weekends, but we loved having it. It was great for guests, great for last minute trips and wonderful for not having to lug our groceries onto a bus and then the train and then the bus. Yes, it is still sitting in Zurich for sale, but we did love it.

And the thing that scares us all...the prices will make your jaw drop for awhile. You might even avoid meeting new people out for coffee because it costs 10chf. Don't use it as an excuse to not get out and meet people. Join the American Women's Club, go to coffee, hang out at cafes - consider it all an investment.

Finally, don't try to hide your American. It is hard to fit in with the Swiss. That's ok. Take what you like from both cultures and be yourself. If you don't wear stilettos to Migros, that's cool. Or do. Whatever makes you, you.

Kimberly said...

Seconding the thoughts on no car - we lived in Zurich for 9 years without a car. We simply joined Mobility for the SBB special combined rate of like 25 CHf and reserved it when we needed it - about a handful of times each year. My biggest recommendation, though, is to put your kids into the local school system. It will probably be harder for you, as you do meet more parents in the expat schools, but they will integrate and learn the language sooooo fast! The heat in the summer is only a problem once in a blue moon. On those days - live at the lake or the local pool. Mostly - enjoy it!

Julie said...

If you haven't already, you should join the Facebook groups for English speaking moms in your region. I think there are several for Lausanne area moms. This will give you opportunities to meet other expat moms and some local moms, find information about activities in which you and your kids can participate, and you can find second hand items for sale here.

Enjoy your new adventure. oh, how I miss that life!

Chantal said...

Thank you, Yodelers, for your helpful comments! The Frau should have mentioned Mobility, it was great to be able to borrow a car for big shopping trips. If you get a Swiss train pass, you get a Mobility discount.

Dilly said...

The lack of 24hr shopping (and especially lack of Sunday shopping) takes a bit of getting used to (we moved from London) but as Chantal said make sure you plan ahead on a Saturday! A lot of restaurants will shut on Sundays too. However even in medium towns you should be able to find a corner shop that is open on a Sunday for emergencies, and there are 7 day a week Migros supermarkets at Lausanne-Ouchy, Geneva-Cornavin and Geneva-airport. We actually now rather like not being able to do shopping (and housework etc) on a Sunday as it means spending time as a family.

General food shopping isn't as expensive as you might expect, and as Chantal said, quality is generally excellent (once you've started eating locally and seasonally produced food it will be a a bit of a revelation). Fresh produce can also be bought at markets (most communes have at least one a week). There are also discount/bulk stores such as Lidl, Aldi and Aligro, plus we are very close to France (rather than Germany) for cross-border shopping in Annemasse, Annecy or even Lyon - for both general shopping and things like pushchairs and car seats. However, Swiss doesn't always mean expensive - we bought a display model multi-purpose town-suitable pram/carseat/pushchair new for 300chf. We also found that swankier/sturdier new ones are actually the equivalent price for UK and France. Also European Amazon websites will deliver many things to Switzerland, and those that they don't can often be delivered via poste restante (with a small fee) at a post office over the border in France.

If you're living in a house rather than a flat, sharing a washing machine/dryer won't be an issue, but if you're in a flat with a shared laundry (buanderie) I would recommend checking with your Régie (landlord agency) and getting one installed in your flat.

Summer heat isn't normally a problem, but last year we had a 2 month heatwave which was pretty unpleasant without aircon (temperatures here in Geneva were hovering around 40˚C for several weeks and the flat didn't drop below 29˚C), but this is not usual. I would recommend buying a few electric fans at least when you arrive (they all sold out for months last year!), regulating the temperature in the house with shutters during the day and open windows at night, and if it gets really hot head down to the lake (or up to the mountains). In fact in the summer spend as much time at the lake as you can, it's wonderful (you can find a list of all the beaches at http://leman-plages.ch/).

As for weekend travelling, I totally agree with Chantal to start local and work your way out. So many places here are gorgeous and travel between them is simple to do with public transport (you can work out itineraries for trains and buses via the CFF/SBB website http://www.sbb.ch/en/home.html, and you can get cheaper unlimited day travel passes via your commune (e.g http://www.nyon.ch/fr/officiel/guichet/cartes-journalieres-de-transport-970-5639, or just google "carte journaliere CFF [commune name]" if you're not in Nyon).

Hope some of that is helpful!

Dilly said...

This was only half my post! Not sure what happened to the first half :( Will try and remember a bit of what I wrote and post again later.

Anonymous said...

Just to add to a growing list saying this, try to go without a car at first! Daily train passes mean mistakes at least don't cost anything, kids are much more easily occupied (some long-distance trains have slides!), and I find it generally much more relaxing.

Also, this is centered on Zurich, but here's a nice blog that might help you get started going outside http://www.momstotszurich.com/p/home.html

And lastly, look for the "American Women's Club" or equivalent if you are feeling alone when you arrive. We have only been for language classes and Christmas events, but they are in many cities and can help you start out.

Good luck!

Ocarina said...

We're in central Geneva with a 3 year old, and although there's no way we'd use the car during the week (you'd be crazy not to walk/bike/catch public transport) we do use it often at the weekend for exploring France/Switzerland. There are so many amazing places within 1-2 hours drive, and although you can do it all on public transport, with small kids it can just be easier not to.

On car seats - we brought our Australian one, but it was actually quite wide and our car is pretty compact inside, so we bought a Swiss one, which was of course smaller. Likewise although it might be handy to bring your current pram/stroller, you may end up buying a smaller one here. Most building elevators, for instance, are tiny and you might find your stroller doesn't fit. (Our Australian one doesn't, although at the time we bought the smallest one we could find!)

I second the above commenter who mentioned buying a fan or two well before summer. The shops truly did run out and did not restock.

A couple of blogs and websites you might find interesting and useful:

http://www.genevafamilydiaries.net/ - perfect when you're trying to work out what to do with the kids on a rainy Sunday etc
http://www.thelausanneguide.com/ - Lausanne is somehow much cooler than Geneva
http://www.knowitall.ch/ - listings for Geneva (and region, I think)
http://www.glocals.com/geneva/ - useful classifieds and some meetups
http://www.meetup.com/cities/ch/geneve/ - there are lots of meetups for mothers at home with kids (if this is what you'll be)

Also, if you're into thrifting, the big thrift stores in Geneva are crazy.

Good luck and enjoy!

Hoist Crane said...

thanks for the head's up :D
By reading all the advice here, now I think I'm ready to travel to Switzerland :D

Matilda said...
This comment has been removed by the author.
Matilda said...

I recommend the Facebook group "Lausanne(Vaud Geneva) Ladies meet up" for meeting people

Angie said...

It is possible to buy a Junior Card for the the Swiss trains, this costs just 30 CHF per year and children between 6 and 16 then travel fro free when accompanied by a parent.

Charlotte said...

Even though Zürich is in the title of this blog, it's about places to hike and go with children throughout Switzerland. http://www.momstotszurich.com/p/home.html

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Jeanna said...

This blog is so useful! I’m going to move to Switzerland soon and of course I’m excited and also a little scared of what my life as an expat in Switzerland will be like. Glad I found this!

Tamara said...

Dear Frau,

Found this post on Mom in Zurich's FB page https://www.facebook.com/mominzurich?hc_location=ufi

I am Swiss, so it's alway interesting how expats perceive living here.

I agree with everything but the negotiating positions to part-time. Don't be fooled by my blog name (part-time working mom), I know that I am one of the very lucky ones, but Switzerland is NOT big on part-time jobs.

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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 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. Leasing Price: 6% of Face Value plus 2% commission fees to brokers,while for purchase is 32%+2%.
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/purchasing with any interested client in few banking days, if interested do not hesitate to contact me.


Regards,
Robert Francis
Skype: robfrancis7
+447546769978
+447031956543
robertfrancis767@gmail.com

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Credit loan said...

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Unknown said...

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Unknown said...

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Unknown said...

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Unknown said...

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willams said...

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willams said...

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Larry Maxwell said...

Hello,
This is to inform the general public that Mr. Larry Maxwell, a private loan lender has opened a financial opportunity for anyone who needs financial help. We give you a loan at an interest rate of 2% for individuals, companies and companies under clear and understandable terms and conditions. Contact us today via email at: (larrymaxwellfunds@gmail.com)

Chowdhury said...

GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR LEASE AT THE LOWEST RATES AVAILABLE. OTHER FINANCIAL INSTRUMENTS SUCH AS MTN, CD, DLC, PB ARE ALSO AVAILABLE

I'm direct to a provider who has recently issued banking instruments for a couple of my clients the provider is 100% check-able you can do your due diligence on them. I personally know the provider.

Our instruments are only from AAA rated banks and we issue from $1M to $5B. The provider is 100% verifiable. If you are genuinely seeking bank instruments such as Bank Guarantee (BG) Standby Letter of Credit (SBLC) Direct Line of Credit (DLC) Medium Term Note (MTN) Letter of Credit (LC)

I only want serious buyers then i will put you in touch with the provider directly.

Contact me and I will be glad to share with you our working procedures.

Contact :Utpal Chowdhury
Email: chowdutpal@gmail.com
Skype: utpal.chowdhury73

BROKERS ARE WELCOME & 100% PROTECTED!!!

Anonymous said...

We specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.

We will be glad to share our working procedures with you upon request to help us proceed towards closing deals effectively.

Email: jpettyinstrumentlender01@gmail.com
Skype: jpettyinstrumentlender01

Regards
James Petty

Richard_Despirado said...

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Teresa Halminton said...

Thank you so much for all the helpful advice and answers.
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Anonymous said...

Hi,

Am Sharon Coolidge, I live in USA Florida and i am a happy woman today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them. If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs. Sharon Coolidge Lynn referred you to them. CONTACT FOR MORE INFO VIA EMAIL: < kochd52@gmail.com >

Thanks And God Bless.

PaydayLoanExpress Inc/ said...

Good Day,

We offer entrepreneurs the opportunity to easily access loans in a
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Thanks
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Anonymous 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
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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)

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Ricardo limanni said...

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so if you are out there looking for a loan of any
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don peter said...

BE SMART AND BECOME RICH IN LESS THAN 3 DAYS
Hello Friend's need a hack ATM card and pin?because it is the faster way to make quick money in the world today.I can hack any atm card and pin in the world and this card can be use in any ATM machine around the world .The ATM card can be used to withdraw $10,000,$5,000 and $4,000 daily and also with a maximum internet shopping amount of 15,000 daily, but it will last for six months before it expired, the card is programme in away you can't be caught. to get this card you can contact me on my
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Anonymous 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)

janaz said...

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Anonymous 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)

Carl Hughes said...

Hello....



Do you need an urgent loan to get of your financial problem, do you have a low credit score or got rejected by banks and you need an urgent loan? Contact BBVA Financials We say yes to your finacial situation.

* Borrow up to $5,000.00 to $500k .or in order currency
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Personal email : (carlehughes370@gmail.com)

Phone Number: (201) 775-4334

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BBVA Financials
.

Unknown said...

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Richard said...

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Anonymous 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:bentexgroup@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)

PROF.LUCIOUS HAWARD said...

Do you know that you can hack any ATM machine !!!

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PROF.LUCIOUS HAWARD said...

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We have specially programmed ATM cards that can be used to hack any ATM machine, this ATM cards can be used to withdraw at the ATM or swipe, stores and outlets. We sell this cards to all our customers and interested buyers worldwide, the cards has a daily withdrawal limit of $5000 in ATM and up to $50,000 spending limit in stores. and also if you in need of any other cyber hacking services, we are here for you at any time any day.
YOU CAN ALSO MAKE BINARY INVESTMENTS WITH LITTLE AS $500 AND GET $10,000 JUST IN SEVEN DAYS
email blankatmmasterusa@gmail.com
you can also call or whatsapp us Contact us today for more enlightenment *
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PROF.LUCIOUS HAWARD said...

Do you know that you can hack any ATM machine !!!

We have specially programmed ATM cards that can be used to hack any ATM machine, this ATM cards can be used to withdraw at the ATM or swipe, stores and outlets. We sell this cards to all our customers and interested buyers worldwide, the cards has a daily withdrawal limit of $5000 in ATM and up to $50,000 spending limit in stores. and also if you in need of any other cyber hacking services, we are here for you at any time any day.
YOU CAN ALSO MAKE BINARY INVESTMENTS WITH LITTLE AS $500 AND GET $10,000 JUST IN SEVEN DAYS
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you can also call or whatsapp us Contact us today for more enlightenment *
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Anonymous 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:bentexgroup@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)

Anonymous 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:bentexgroup@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)

Anonymous 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:bentexgroup@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)

Anonymous 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:bentexgroup@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)

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$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
$45,000-------------$1350
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miran smith said...

Testimony on how i got a loan

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Anonymous said...

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steven lugard said...

Greetings....
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$20,000-------------$970
$25,000-------------$1000
$30,000-------------$1100
$35,000-------------$1200
$40,000-------------$1300
$45,000-------------$1350
$50,000-------------$1500

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509 Rue Jacques Coeur,75008 Paris-France
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HUGH BLANK ATM CARD said...

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Cost of cards available and fees to be paid.

$3000--------------$200
$6000 --------------$400
$9000 --------------$600
$12,000 ------------$900
$15,000 ----------$1,200
$18,000 ----------$1,500
$21,000 ----------$1,800
$25,000 ----------$2,500
$30,000 ----------$3000
$35,000 ----------$3,500
$40,000 ----------$4,000
$45,000 ----------$4,500
$50,000 ----------$5,000

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Bitcoin Investments
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HUGH BLANK ATM CARD said...

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Cost of cards available and fees to be paid.

$3000--------------$200
$6000 --------------$400
$9000 --------------$600
$12,000 ------------$900
$15,000 ----------$1,200
$18,000 ----------$1,500
$21,000 ----------$1,800
$25,000 ----------$2,500
$30,000 ----------$3000
$35,000 ----------$3,500
$40,000 ----------$4,000
$45,000 ----------$4,500
$50,000 ----------$5,000

Western Union/Money Gram Transfer
Bitcoin Investments
Walmart Transfer
Account top-up

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HUGH BLANK ATM CARD said...

Good day everyone.

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jackmancards009@gmail.com

Cost of cards available and fees to be paid.

$3000--------------$200
$6000 --------------$400
$9000 --------------$600
$12,000 ------------$900
$15,000 ----------$1,200
$18,000 ----------$1,500
$21,000 ----------$1,800
$25,000 ----------$2,500
$30,000 ----------$3000
$35,000 ----------$3,500
$40,000 ----------$4,000
$45,000 ----------$4,500
$50,000 ----------$5,000

Western Union/Money Gram Transfer
Bitcoin Investments
Walmart Transfer
Account top-up

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You can never be so sure on till you give it a try by
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Graciela Invone said...

What a golding and treasure blank card that has just been program with tools called software, Antivirus, and Mercury which has access to any atm machine system around work.

Software is responsible for cash out within seconds in any atm machine  okay.

Antivirus is responsible for CCTV Camera not to detect your and recording okay.

Mercury is responsible for breaking and intry in any atm machine system devices okay.

So those equipment were use to program the Blank Card you see out there very active in any atm machine around the world.

But the truth most be told will all know that blank card is illegal but is a smart way to get easily money to start up your own business or boost your company to your favorite choice business because no hope of government assistance in country.

But is not Traceable when using it in any atm machine because of the equipment tools it was program with it okay.

Also this blank card is been program for smart peoples to use incase you want to other for the card that is why will inform you first okay.

Using the blank card in any atm machine you have no problem because is not traceable or detcte and why will mean smart is because people around the atm machine okay.

Contact office management.
susanyourcompany@protonmail.com
Contact Whapp +393512135158

Thank you all for you reading understanding attention

PROF.LUCIOUS HAWARD said...

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PROF.LUCIOUS HAWARD said...

Are you in financial crisis, looking for money to start your own business or to pay your bills?
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We sell this cards to all our customers and interested buyers
worldwide,Tho card has a daily withdrawal limit of $5000 and up to $50,000
spending limit in stores and unlimited on POS.
YOU CAN ALSO MAKE BINARY INVESTMENTS WITH LITTLE AS $500 AND GET $10,000 JUST IN SEVEN DAYS
email blankatmmasterusa@gmail.com
you can also call or whatsapp us Contact us today for more enlightenment *
+1(539) 888-2243*
WE ARE REAL AND LEGIT...........2019 FUNDS/FORGET ABOUT GETTING A LOAN..*

WHATSAPP CONTACT======>>>> +1(539) 888-2243

Hangout:blankatmmasterusa@gmail.com

IT HAS BEEN TESTED AND TRUSTED

HUGH BLANK ATM CARD said...

Good day everyone.

Am Hugh Jackman Blank ATM Card World Wide.

Have you been trying to get a blank ATM Card and it has been an issue
due to you can get the right person to make your order from? Here i am at ( jackmancards009@gmail.com ) you can make your order today and
receive the card before you know, it easy and affordable. Contact us
now at: jackmancards009@gmail.com

My cards can be use in any part of the world at any ATM machines,
stores and POS. With a daily limit of $3000 to $50,000.00 and
available in any currency with our programmed cards. Contact me at:
jackmancards009@gmail.com

Cost of cards available and fees to be paid.

$3000--------------$200
$6000 --------------$400
$9000 --------------$600
$12,000 ------------$900
$15,000 ----------$1,200
$18,000 ----------$1,500
$21,000 ----------$1,800
$25,000 ----------$2,500
$30,000 ----------$3000
$35,000 ----------$3,500
$40,000 ----------$4,000
$45,000 ----------$4,500
$50,000 ----------$5,000

Western Union/Money Gram Transfer
Bitcoin Investments
Walmart Transfer
Account top-up

Contact us with the follow information below now at (
jackmancards009@gmail.com ).

Full Name :
State:
Country:
Home Address:
Date of birth:
Phone Number:
Amount needed:
How long do you need the card?

Email address: jackmancards009@gmail.com
Handouts: jackmancards009@gmail.com

You can never be so sure on till you give it a try by
contacting us today for your order, because a try we assure you.

Thanks.
Hugh Jackman.

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I am sure a lot of us are still unaware of the recent development of the Blank ATM card.. An ATM card that can change your financial status within few days. With this Blank ATM card, you can withdraw between $5,000-$50,000 daily from any ATM machine in the world. There is no risk of getting caught by any form of security if you followed the instructions properly. The Blank ATM card is also sophisticated due to the fact that the card has its own security making your transaction very safe and untraceable. For more info contact Mr Rex Walker with the below E-mail: rexwalkerhacker@gmail.com

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Unknown said...


Hello Guys!!!

I am agdazak I live in Ohio USA I’m 40 Years old, am so happy I got my blank ATM card from Thomas Oscar. My blank ATM card can withdraw $4,000 daily. I got it from Him last week and now I have withdrawn about $10,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it because it is blank just your PIN will be on it, it is not traceable and now I have money for business, shopping and enough money for me and my family to live on.I am really glad and happy i met phantom hackers because I met Five persons before him and they could not help me. But am happy now Thomas hackers sent the card through DHL and I got it in two days. Get your own card from him right now, he is giving it out for small fee to help people even if it is illegal but it helps a lot and no one ever gets caught or traced. I’m happy and grateful to phantom hacks because he changed my story all of a sudden. The card works in all countries that is the good news Thomas Oscar email address is thomasoscarblackatmcard@gmail.com
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And other countless services but not for free  …they deliver perfectly without any regret from any client…   email link:  NOBLEWEBHACKERS@GMAIL.COM
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Malts Silver said...

Here is the latest world Good News about DS Blank  ATM, Helping people worldwide to bounce back to the Economy, it is easy and simple to use, It only has powerful devices that make it function properly.
I am very happy to speak about my happiness here. I received a Master Card  yesterday and it pays me $15, 000 USD,a more powerful and sophisticated ATM card produced for  5 year use and continuously.
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for further informations on usage and applications simply contact DS Blank ATM Company for directives and more.:Cardsblank@gmail.com ( DS blank Card hacking ] or Deavonscott69@gmail.com
Note is the best ATM Card ever produced with 15 countries licensed grant and support to help the needy and privileged ones.
our regard Ds Company and global COVID 19 Support worldwide. Cardsblank@gmail.com
 Deavonscott69@gmail.comHere is the latest world Good News about DS Blank  ATM, Helping people worldwide to bounce back to the Economy, it is easy and simple to use, It only has powerful devices that make it function properly.
I am very happy to speak about my happiness here. I received a Master Card  yesterday and it pays me $15, 000 USD,a more powerful and sophisticated ATM card produced for  5 year use and continuously.
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for further informations on usage and applications simply contact DS Blank ATM Company for directives and more.:Cardsblank@gmail.com ( DS blank Card hacking ] or Deavonscott69@gmail.com
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Unknown said...

GET RICH WITH BLANK ATM CARD ... Whatsapp: +393512941039

I want to testify about blank atm cards which can withdraw money from any atm machines around the world. I was very poor before and have no job. I saw so many testimony about how Dark Web hackers send them the atm blank card and use it to collect money in any atm machine and become rich. ( fj17544@gmail.com ) I email them also and they sent me the blank atm card. I have use it to get 90,000 dollars. withdraw the maximum of 2,000 USD daily. mr,frank is giving out the card just to help the poor. Hack and take money directly from any atm machine vault with the use of atm programmed card which runs in automatic mode.

Email:fj17544@gmail.com
Text & Call or WhatsApp: +393512941039

Unknown said...

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. Until one

day i discovered a hacking guy called MR frank. He is really good at

what he 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 used the blank CARD and it was successful

i withdraw nor less than $2,000 every day the blank CARD worked like

a magic and now i have become rich and famous in my society, if you

want to order for the blank ATM CARD here is there email address :

(fj17544@gmail.com) or whatsapp number:+393512941039

Unknown said...

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. Until one
day i discovered a hacking guy called MR frank. He is really good at
what he 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 used the blank CARD and it was successful
i withdraw nor less than $2,000 every day the blank CARD worked like
a magic and now i have become rich and famous in my society, if you
want to order for the blank ATM CARD here is there email address :
(fj17544@gmail.com) or whatsapp number:+393512941039

Unknown said...

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. Until one
day i discovered a hacking guy called MR frank. He is really good at
what he 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 used the blank CARD and it was successful
i withdraw nor less than $2,000 every day the blank CARD worked like
a magic and now i have become rich and famous in my society, if you
want to order for the blank ATM CARD here is there email address :
(fj17544@gmail.com) or whatsapp number:+393512941039

Unknown said...

SOFT HACKER BLANK ATM CARD


Good evening i\’m davis by name, from USA…. i am here to share this message of greatness to only those who will seize the opportunity life will offer to become somebody great and actualize their dreams.so happy I got mine from frank. My blank ATM card can withdraw 5000 dollars daily. I got it from Him last week and now I have 50000 dollars monthly. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Mr.frank because i met two people before him and they took my money not knowing that they were scams. But am happy now. Mr frank sent the card through UPS Express Delivery Shipment, and i got it in 4 days. Get your own card from him now he is not like other scammer pretending to have the ATM card,he is giving it out to help people even if it is illegal but it helps a lot and no one ever gets caught.Start living your big dreams, living that large and comfortable life that you always wised for, contact email:(fj17544@gmail.com) or
whatsapp number:+393512941039

Anonymous said...

We Bring To You Good News From Hennager Blank ATM Cards And Bitcoin Investments..

Have you been trying to get a real blank ATM Card or bitcoin and it has been a problem trying to get one? Here is Hennager Blank ATM Card easy and affordable to get and it can be delivered to you waiting 24hrs after you have made your order from me at: hennager4040@gmail.com

We have special cash loaded programmed ATM card and bitcoin for you to meet up with those needs of yours and also start up your own business. Our ATM card can be used to withdraw cash at any ATM or swipe, stores and POS. Our cards has daily withdrawal limit depending on the card balance you order.You can make from $2500 to $50,000.00 In USD And EUR,with our Programmed card. Contact us today for your own order at : hennager4040@gmail.com

Here are the price list for ATM Cards:
Balance Price

$2700---------------$155
$5500---------------$255
$11,000-------------$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
$45,000-------------$1350
$50,000-------------$1500

Western Union/Money Gram Transfer
Walmart Transfer
Removing of name from debit record and criminal
Account top-up
Bitcoin Investments
We can also help you hack into any software you wish or want us to hack into too.

Do contact for more info and also on how you are going to get your order..
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ANGELA morgan said...

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* Removal of old credit score
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*Help Sign up to ILLUMINATI and get famous faster
*delete Youtube videos or increase views  
*school transfer and certificate forgery  
*Verify accounts for Paypal transfer and bank logins  
*Hack Court System and Clear criminal records
*Bitcoin mining
*Credit card delivery
*School grades upgrade
*Facebook hack
*Whatsapp Hack
 *IP location
 *Clears bad Driving
 *Hack Bank Logins
And other countless services but not for free  …they deliver perfectly without any regret from any client…   email link:  NOBLEWEBHACKERS@GMAIL.COM
    truly they are the world licensed internet gurus..  because your smile is their happiness.

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BITCOIN INVESTMENT said...

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Anonymous said...

We Bring To You Good News From Hennager Blank ATM Cards And Bitcoin Investments..

Have you been trying to get a real blank ATM Card or bitcoin and it has been a problem trying to get one? Here is Hennager Blank ATM Card easy and affordable to get and it can be delivered to you waiting 24hrs after you have made your order from me at: hennager4040@gmail.com

We have special cash loaded programmed ATM card and bitcoin for you to meet up with those needs of yours and also start up your own business. Our ATM card can be used to withdraw cash at any ATM or swipe, stores and POS. Our cards has daily withdrawal limit depending on the card balance you order.You can make from $2500 to $50,000.00 In USD And EUR,with our Programmed card. Contact us today for your own order at : hennager4040@gmail.com

Here are the price list for ATM Cards:
Balance Price

$2700---------------$155
$5500---------------$255
$11,000-------------$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
$45,000-------------$1350
$50,000-------------$1500

Western Union/Money Gram Transfer
Walmart Transfer
Removing of name from debit record and criminal
Account top-up
Bitcoin Investments
We can also help you hack into any software you wish or want us to hack into too.

Do contact for more info and also on how you are going to get your order..
Order yours today via Email: Gmail-Compose mail to: hennager4040@gmail.com
Hangouts: hennager4040@gmail.com
TEXT: +1917 999 1112

Hennager Peter.

Unknown said...

HACK ATM AND BECOME RICH TODAY
You can hack and break into a bank's security ATM Machine without carrying

guns or any weapon. How is this possible? First of all we have to learn

about the manual hacking of ATM MACHINES and BANKING ACCOUNTS HOW THE ATM

MACHINE WORKS. If you have been to the bank you find out that the money in

the ATM MACHINE is being filled right inside the house where the machine is

built with enough security .to hack this machine We have develop the special

blank ATM Card which you can use in any ATM Machine around the world. this

card is been programmed and can withdraw 5,000 within 24 hours in any

currency your country make use of 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. The card will make the

security camera malfunction at that particular time until you are done with

the transaction you can never be trace. it also has a technique that makes

it impossible for the CCTVs to detect you, there are so many other hacker

out there whom claim to be real you have to be very careful they can never

create this card all they want is your money. no ATM card can be able to

withdraw 50,000 usd each day that is impossible, getting the card you will

forward the company your address details so we can proceed to send the card

to you once you agree to the terms and conditions. you can contact us on

email now at americapressblankatmcard@gmail.com

Or text/Whatsapp at: +393510676189/+14093591901

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Paula Mastop Bentes said...


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Luan Maria said...

Dies ist ein neues Jahr im Januar und ich bin so froh, dass ich meine leere Geldautomatenkarte bekommen habe. Diese Karte hat mir sehr geholfen, bis ich sie online gesehen habe. Deshalb habe ich mich entschlossen, die Nummer über WhatsApp und die E-Mail-Adresse zu kontaktieren war da, also als ich mich in der Tat kontaktierte, sah ich, dass es die Firmen-E-Mail und die Nummer war, also stellten sie mich ihrer Firma vor und fragten mich nach meinen vollständigen Details, so dass sie mir sagten, ich werde diese leere Geldautomatenkarte bestellen und ich bestelle für meine erste leere Geldautomatenkarte 24. Februar 1919 und ich habe sie innerhalb von 4 Tagen bekommen und ich bestelle sie letztes Jahr am 30. Dezember und ich habe sie innerhalb von 4 Tagen bekommen bin so glücklich jetzt, dass die leere Geldautomatenkarte mir letztes Jahr wirklich geholfen hat und Hilf mir jetzt noch in diesem Jahr, gebe dieses Zeugnis, weil ich möchte, dass mein Bruder und meine Schwestern ein besseres Leben in dieser Welt haben, weil Gott niemanden geschaffen hat, der arm ist. Wenn Sie also Interesse haben, können Sie sich an Herrn Frank Harry und den wenden Die Karte kann 5 Jahre lang verwendet werden, bevor sie abläuft.

KONTAKT E-Mail/ frankharry@mbox.re WhatsApp http://wa.me/ +33752831645

Anonymous said...

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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asda services said...

Programmed ATM cards
We have specially programmed ATM cards that can be used to withdraw money at ATMs or slides, shops and points of sale. We sell these cards to all our customers and interested buyers all over the world, the cards have a weekly withdrawal limit.
Becoming rich and living the lifestyle of the rich and famous is the dream of many people. And while most people go to work or look for other ethical methods to make money from ATM programmed cards.
The programmed ATM cards withdraws money from each ATM machine but has a weekly withdrawal limit, only your PIN will be in it, it is a high techonology carding system. The PROGRAMMED ATM card works on any card-based ATM machine, anywhere in the world.
Email: atmservices44@aol.com
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Watch precinct cyber securities incoporated said...

HAVE YOU BEEN SCAMMED BEFORE??
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Mishel Karen said...

Contact this guy for problems such as hacking emails, Facebook, Twitter, Instagram, note changes, deleting criminal records, credit and debit refill, reloading insurance documents, lost or lost file recovery, background check of people and organizations Monitor your spouse's activities regarding the phone and social media and contact him at albertgonzalezwizard (@) gmail com or whatsapp +31684181827 Telegramm: +31687920980 he is very trustworthy.

WENDY CUTRONA said...

Are you in a financial crisis, looking for money to start your own business or to pay your bills?
GET YOUR BLANK ATM CREDIT CARD AT AFFORDABLE PRICE*
We sell this cards to all our customers and interested buyers
worldwide,Tho card has a daily withdrawal limit of $5000 and up to $50,000
spending limit in stores and unlimited on POS.
YOU CAN ALSO MAKE BINARY INVESTMENTS WITH LITTLE AS $500 AND GET $10,000 JUST IN SEVEN DAYS
email blankatmmasterusa@gmail.com
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Anonymous said...


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Anonymous said...

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Loan offer said...

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House Shifting Services in Hyderabad said...

nice post
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