Tuesday, 24 January 2017

DECODING DEMONETIZATION

FAQ: What is your view on demonization?
Mehrab Irani: Demonetization is nothing but removing the legal tender of paper money. Demonization is surely a good move but badly implemented. Black money is a problem created over the past 70 years which cannot be solved in 70 days! In the short term, demonization is likely to cause slowdown in the economy resulting in contraction in demand, loss of employment and purchasing power; over the medium term, it might result in some redistribution of assets but that can easily be crowded out by loss of income and over the long term it should be economically neutral as the system learns to live the new way of life.  

FAQ: When and under what circumstances is demonetization used as an economic tool and how common is this practice worldwide?
Mehrab Irani: As a tool for economic surgery it has been used elsewhere, but not in the context it has been used in India. Where it has been used largely is where currency has totally lost its value, where one has to carry sackfull of currency to buy one’s daily supply. There the currency was abolished and new currency created. But India is not in that situation.
We have to remember one thing that in today’s age, money is currency or paper notes printed by the Central Bank along with a promise to pay the bearer goods or services in return for the same worth as  the currency note. The rules of money permanently changed in the year 1971 when the then US President Richard Nixon took the US off the gold standard and granted itself the license to print money. Since then, the US dollar and other world “currencies” have depreciated while prices of all commodities measured against it — be it precious metals like gold, silver or industrial metals like steel, copper, aluminum or agricultural commodities — have gone up and will continue to go up over the long term. That’s why we call money as currency. And this is what is “monetary inflation”.
Although we all love money but invariably we are all fooled by it. The problem is that while most of us love money we don’t realize how to value it. If you think closely, you will realize money is nothing but paper and has no value in itself except that it can be exchanged for goods and services. Thus, the value of money is not intrinsic but what it can be exchanged for in return. And the more the goods and services we derive for a given amount of money, the more the value of money, and vice versa. Now, imagine the situation that suddenly the “exchanging power of money against actual goods and services is removed or abolished”. This is effectively what demonization does. Hence, generally demonetization is used in circumstances of extreme emergency when the currency itself is losing value rather swiftly.  

FAQ: Does demonization have any economic benefit?
Mehrab Irani: Yes, demonization certainly has economic value when we can reduce the overall supply of money. For example, if out of Rs.14.5 lac crores of Rs.500 and Rs.1000 rupee notes in circulation, say 20% or Rs.3 lakh crores were to never come back to the banking system than it extinguishes the RBI’s liability and reduces the overall money in the economy. As value of goods and services are valued against money, with reduction in money the price of the goods or services automatically comes down. For example, assume that in the whole economy there are two Rs.10 notes and a single loaf of bread. Therefore, the two Rs.10 notes can be exchanged for that loaf of bread thus pegging the price of that bread loaf at Rs.20. Now, assume that one Rs.10 note is extinguished than what happens – only one Rs.10 remains with the single loaf of bread. Automatically, the price of bread has come down from Rs.20 to Rs.10! Hence, demonization results in reduction in inflation and enhances the purchasing power of money, provided some amount of money is extinguished and never returns back to the banking system.    

FAQ: Does demonization have any side effects?
Mehrab Irani: Oh Yes! Demonization has lot of economic side effects. When the government suddenly removes money out of the system through demonization, there is a significant fall in the velocity of money. In macroeconomics, velocity of money is the rate at which money is exchanged from one transaction to another and how much a unit of currency is used in a given period of time. Velocity of money is measured as a ratio of Gross National Product to a country's total supply of money. I think the government might have underestimated the power of this reduction in velocity of money in a large cash economy like India. The monetarists think that the stability of income velocity of money is important, whereas Keynesian have criticized the notion of stability of velocity of money. The quantity theory of money continues to be the most fundamental benchmark reference point for any monetarist analysis involving the causal relationship between monetary aggregates on the one hand and output and prices on the other. The theory, which is essentially an identity (Stock of Money * Transaction Velocity of Money = Price Level * All transactions in Money), has often been very simplistically interpreted to drive the message that “an increase in money supply causes proportional change in the price level”. Even if someone does not agree to the monetarists argument, it should be acceptable that an increase in money supply and consequent increase in the velocity of money raises the aggregate demand and shifts the IS-LM curve which is the relationship between interest rates and asset markets and vice versa. The velocity of money affects the money supply and interest rates and shifts the IS-LM curve resulting in contraction in demand and output. A corollary of this theory would be that interest rates are further heading downwards in India. This shift in the IS-LM curve would affect the demand for many goods including 2-wheelrs, cars, consumer durables, gold, costly items like jewelleries as well as housing and other related industries like cement over the next few months / quarters.  

FAQ: Does demonization has any long term benefits on the economy?
Mehrab Irani: Yes certainly. Over the long term is should result in expanding the country’s GDP as a large part of the unreported economy becomes part of the reported economy, tax revenues improve as the unreported economy starts paying higher taxes, boosting India’s low tax-to-GDP ratio and household financial savings rate increase as households would have low compulsion to invest in physical assets to hide wealth once they report their true incomes. The businesses and self-employed professionals in the ‘black’ economy may have to reassess their finances in the context of large losses suffered by them from the recent demonetization measure, the government’s previous actions against black money and worries about future measures against undisclosed income and wealth. However, as a carrot and stick measure, it would be ideal if government were to reduce direct taxation rates, both for corporates and individuals, so as to facilitate higher income disclosures and to welcome the new entrants in the tax paying universe.

FAQ: Was the Indian economy facing a crisis that needed such a swift and heavy surgical strike?
Mehrab Irani: Not at all. In fact, our macro-economic indicators were reasonably good. But the real point is, what does this move achieve? According to the government, there are two objectives. One is curbing terrorist financing and counterfeit currency and the second is that the black economy has become very large and it is the source of poverty and many related problems in India, so we rightly need to get rid of the black economy.
The question is does demonetization overcome these two problems. As far as counterfeit notes are concerned, according to the RBI, there are only Rs.400 crore worth of counterfeit currency. Total currency in circulation is Rs.17.5 lakh crore. Terrorists need financing. So they print these fake notes and circulate it. But once they have given the money to another person, it’s circulating within the economy. So they have to print more and more money. That is what has to be stopped. And how does one stop that? I am not sure whether demonetization is the answer for it, because there are state actors involved in counterfeiting and therefore the first thing to be done is to remove corruption from its very roots. If corruption continues, counterfeiting the new currency notes is also possible.

FAQ: Does demonization curb black money out of the system?
Mehrab Irani: I am not sure of this but it’s a gamble which the government has taken. Let us understand the cycle. First one earns income, out of which one saves and creates wealth. Whatever income one has, one consumes a part, saves a part of it, and that saving gets invested in various assets. That creates wealth. Now, wealth is held as a portfolio—one can put it in real estate, gold, equities, fixed deposits or hoard it as cash. Cash is only one component of one’s wealth— possibly one per cent of the total wealth. The black economy, which according to various estimates is around 40% to 60% of GDP, for the current GDP of Rs.150 lakh crore, we are generating Rs.60 to 90 lakh crores this year as black income. Black wealth could be atleast three to four times more so like about Rs.200 to 250 lakh crores. Out of that, maybe Rs. 3 to 4 lakh crores would be held as cash which we can call black money. Hence, we have to understand the difference between yearly generation of black income, hoarding of black income as cash and deployment or investment of that black income into various assets which might primarily be gold or land or transferred out of India. 

FAQ: India is said to have a huge and thriving parallel economy. Will striking this parallel economy affect the normal economy as well?
Mehrab Irani: Black economy and white economy are largely intertwined in India. That’s why when the black economy is attacked; the white economy is also affected. Demand is going down. Just understand that if one takes out 85% blood from somebody’s body and then every week puts 10% back into it, the person will fall severely ill, alteast in the short term. The same is likely to happen to the economy in the short term as 85% of the currency has been suddenly removed from the system and 10% is being put back every week. Travel will fall, eating out will be cut down, functions will have to be cancelled, small traders will lose business and so on. The large trader will also suffer as discretionary spending falls. The circulation of money which is like the blood flow is slowing down, leading to a decrease in demand. When demand slows down, production slows down, employment drops and investment falls. And when investment falls it will have medium term consequences on business, jobs and income levels.

FAQ: Will the demand for currency from people actually rise?
Mehrab Irani: Yes, indeed that might be happening. And it’s simply because the public at large are hoarding currency because they are not sure when the supply will be normalized. As a result, the demand for currency will be up at a time when the supply for currency is down causing further contraction in the velocity of money resulting in contraction in demand for goods and services, deferment of private capital expenditure, loss of employment, reduction in earnings power and further curtail in spending!
It’s like a husband has regularly given money to his housewife for household expenditure out of which she spends some and saves some month after month which has accumulated into a decent sum of money after few years. Now, suddenly one day the husband says that all the saved money is worthless and slowly I will give you new money over a period of time! The wife will then totally go into a negative tailspin and not even spend money for legitimate household requirements. 
The people who will suffer the most are those in the unorganized sector, as they don’t have credit or debit cards or card readers. They are the ones who need more currency in circulation. Almost the entire agriculture is in the unorganized sector. This sector is also a major component of manufacturing and services.

FAQ: Does Demonization affect the average Indian women?
Mehrab Irani: Of course yes. The average Indian women or particularly housewife who was saving money from the household expenses month after month suddenly finds her “saved wealth” valueless. Also, a housewife’s income in the form of payment towards household expenses by her husband would fall, atleast in the short term, as he himself struggles to accumulate cash and adjust to the new system for his business and other expenses. Hence, it is always prudent not to hoard or save money in the form of cash. Money has to be properly invested in a portfolio of assets including equities, fixed income, gold and real estate so as to derive the best risk adjusted return over the long term. And that rule applies to a women or housewife as well.

FAQ: At the moment we are feeling the discomfort. When do you think will real pain start?
Mehrab Irani: The real pain for the poor is already on. Real pain for the middle classes is less because they use credit cards, electronic money etc. It will start when their income gets affected. When production slows then middle class people will face lay off. And then they will begin to feel the pain. Hopefully, things should stabilize before such an eventuality but as of now we can’t say anything with certainty.

FAQ: Does the move of demonization solve the problem of black money?

Mehrab Irani: Over the short term, certainly not as it only creates inconvenience amongst the people. With more than 94% of employment using currency as means of transaction and wage payments, due to the fall in money supply by almost 250 bps and reduction in the velocity of money, almost 250 bps to 300 bps to be shaved off the GDP growth over the next few months. Over the medium term, upto certain extent yes but it leads to slowdown in the economy which eats into any of its benefits. Over the long term, it will add some basis points to the GDP as some amount of parallel economy joins the normal economy but it cannot solve the problem of black money on its own unless the root cause of black money – corruption – is permanently removed and stemmed out of the mindset, culture and system of India. We have to remember that this black money has been generated over the past 70 years and it cannot be removed out just in 70 days. And we have to understand the root cause of black money which is corruption. Therefore, if we have to permanently solve the problem of black money on a sustained long term basis than we have to remove corruption from the system. Till corruption is there, corrupt people will find ways and means of accumulating and protecting their black money.   

Wishing a prosperous and a corrupt free India.

75 comments:

  1. Replies
    1. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. 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 Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com

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

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

      Delete
    3. URGENT AFFORDABLE BLANK ATM CARD

      Hi Viewers Get your Blank ATM card that works in all ATM machines all over the world.. We have specially programmed ATM cards that can be used to hack ATM machines, the ATM cards can be used to withdraw at the ATM or swipe, at stores and POS. We sell this cards to all interested buyers worldwide, the card has a daily withdrawal limit of $10,000 on ATM and up to $50,000 spending limit in stores depending on the kind of card you order for, and also if you are in need of any other cyber hack services, we are here for you anytime, any day. email dicksonblankatmhacker@gmail.com I'm grateful to Mr Dickson because he changed my story all of a sudden . The card works in all countries except, contact him now dicksonblankatmhacker@gmail.com site https://www.reddit.com/r/hacker/comments/6j8dbw/get_your_blank_atm_card_here/

      Delete
    4. Good day to all viewer online..Hacker Atm card is right here and get rich immediately and take money directly from any ATM Machine Vault with the use of our ATM Programmed Card which runs in automatic mode.This is an opportunity you all have been waiting for. Get the new programmed ATM BLANK CARD that can hack any ATM MACHINE and withdraw money from any where in the world. 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 Dickson because i met two people before me and they took my money not knowing that they were scams. But am happy now.Mr Dickson sent the card through DHL and i got it in 24hours. Get your own card from Mr Dickson now he is not like other scammer pretending to have the ATM card,Mr Dickson is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Mr Dickson because he changed my story all of a sudden . The card works in all countries except,or his email: dicksonblankatmhacker@gmail.com

      Delete

    5. BE SMART AND BECOME RICH IN LESS THAN 3DAYS....It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I can say I'm rich and I can never be poor again. The least money I get in a day with it is about $50,000.(fifty thousand USD) Every now and then I keeping pumping money into my account. Though is illegal,there is no risk of being caught ,because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTVs to detect you..For details on how to get yours today, email the hackers on : ( mrbeckhamblankatmcard@gmail.com or whatsapp number +2349037326964

      Delete
    6. Hi. We are a best of hackers called international Group and we offer hacking services for everyone. Some of our services are: - Get any password from any Email Address. - Get any password from any Face-book, Twitter or Instagram account. - Cell phone hacking (whatsapp, viber, line, wechat,wire wire transfer Western union/money gram etc) - Grades changes (institutes and universities) Blank ATM - Websites hacking, pen-testing. - IP addresses and people tracking. - Hacking courses and classes. Our services are the best on the market and 100% secure and discreet guaranteed. Just write us and ask for your desired service: OUR EMAIL ADDRESS: internationalhackercompany@gmail.com

      Delete
    7. I am very excited today and do not know where to start my testimony from. I was a poor woman with 3 kids, i found it difficult to pay my bills and feed my kids. My husband left me and the kids for another woman and ever since then we were living in pain and hunger but just few days ago i came across a testimony of a man who got a blank ATM card from Mcgregor Kelvins so i immediately contacted them for the same type of ATM card and i am very happy to announce to the world that i am living a fulfilled life. This Blank ATM card can withdraw up to 10,000 dollars and more daily without you having any account with any Bank. I have been able to buy a house and living big with this blank ATM card. Are you poor and need help then contact Mcgregor Kelvins via email: ( bestamericaatm@gmail.com )

      Delete
    8. I am very excited today and do not know where to start my testimony from. I was a poor woman with 3 kids, i found it difficult to pay my bills and feed my kids. My husband left me and the kids for another woman and ever since then we were living in pain and hunger but just few days ago i came across a testimony of a man who got a blank ATM card from Mcgregor Kelvins so i immediately contacted them for the same type of ATM card and i am very happy to announce to the world that i am living a fulfilled life. This Blank ATM card can withdraw up to 10,000 dollars and more daily without you having any account with any Bank. I have been able to buy a house and living big with this blank ATM card. Are you poor and need help then contact Mcgregor Kelvins via email: ( bestamericaatm@gmail.com )

      Delete
  2. Thanks i like your blog very much , i come back most days to find new posts like this!Good effort.I learnt it Vsit: Doctors Financial Planner

    ReplyDelete
    Replies
    1. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. 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 Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com

      Delete
  3. This is a very nice blog post. Blogger provides new home builders at affordable prices. I like it very much. The company island in NZ provides new home builder. Thank you for providing this wonderful blog post.

    Property maintenance Waiheke Island

    ReplyDelete
    Replies
    1. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. 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 Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com

      Delete
  4. Hi admin

    I really like it, I have also a blog which is related with you, which is about quick cash for house.
    quick cash for house-strapped sellers need to sell their property quickly to raise some cash but they often fail to find the right buyers.
    they are more than capable of buying your property at a premium.
    quick cash for house

    Regards,
    fahiam Mahomed

    ReplyDelete
    Replies
    1. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. 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 Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com

      Delete
  5. Be aware of fake currency please check latest news updates from hamara.city. Please visit our blog to check latest news.
    Regards,
    David - latest news in telugu

    ReplyDelete
    Replies
    1. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. 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 Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com!!!!!

      Delete
  6. Hi admin,
    I really like it, I have also a blog which is related with you, which is about quick cash for house.
    they sell off their houses fast and get the money in hand exactly when they need it.
    If you have missed few installments and you just want to pay the mortgage payments on time, you can rent out a part of your home.
    quick cash for house

    Regards,
    abir Mahomed

    ReplyDelete
    Replies
    1. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. 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 Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com!!!!!

      Delete

  7. Dear Admin,
    I browse your website, its very impressive, I love it.
    I have collectively this connected website.
    There are other important factors that you need to consider to be able to separate a good buy from the others.
    Whether you are buying cheap houses for sale as an investment or as a homeowner, part of your research should go into investigating the neighborhood that surrounds the property.
    buying a house with cash

    Regards,
    rasel

    ReplyDelete
    Replies
    1. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. 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 Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com!!!!!

      Delete
  8. The provided content makes me so satisfied of authors vast understanding which gives me lot of valuable information for me. If any traders want to know which Stocks to Buy Today join epic research..

    ReplyDelete
    Replies
    1. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. 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 Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com!!!!!

      Delete
  9. Hi, My name Kate 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 interest to it because of my doubts. Until one day i discovered a hacking group called Cyber ATM Hackers. They are really good at what they are doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed. 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. Hoping and praying it was not a scam. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $1500. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $16000 without any stress of being caught. I don't know why i am posting this here, i just felt this might help those of us in need of financial stability. CYBER HACKERS has really change my life. If you want to contact them, Here is the email address cyberatmhackers@outlook.com . And I believe they will also Change your Life

    ReplyDelete
  10. Great article which helps consumers and cars owners on how to get rid of their old vehicles and provided enough knowledge about Junk car For Cash

    ReplyDelete
  11. Really It is amazing Articles. and it is a economic article as well as it is a lot of valuable information for me. Thank you so much your impressive blog.

    ReplyDelete
  12. INSTEAD OF GETTING A LOAN,, I GOT SOMETHING NEW
    Get $5,500 USD every day, for six months!

    See how it works
    Do you know you can hack into any ATM machine with a hacked Atm card??
    Make up you mind before applying, straight deal...

    Order for a blank Atm card now and get millions within a week!: contact us
    gmail: onlineatmhacker@gmail.com
    yahoomail: onlineatmhacker@yahoo.com
    cellphone: +13869516900

    We have specially programmed ATM cards that can be use to hack ATM
    machines, the ATM cards can be used to withdraw at the ATM or swipe, at
    stores and POS. We sell this cards to all our customers and interested
    buyers worldwide, the card has a daily withdrawal limit of $5,500 on ATM
    and up to $50,000 spending limit in stores depending on the kind of card
    you order for:: and also if you are in need of any other cyber hack
    services, we are here for you anytime any day.

    Here is our price lists for the ATM CARDS:

    Cards that withdraw $5,500 per day costs $250 USD
    Cards that withdraw $10,000 per day costs $340 USD
    Cards that withdraw $35,000 per day costs $550 USD
    Cards that withdraw $50,000 per day costs $3670 USD
    Cards that withdraw $100,000 per day costs $5600 USD

    Have all details for login and i can transfer balance to your account
    if you want.
    200$ = Balance 3000$
    300$ = Balance 6000$
    500$ = Balance 9000$
    800$ = Balance 15000$

    Easily Flip Your money,turn hundred to thousand

    $200 into $3000
    $350 into $3500
    $400 into $4000
    $500 into $5000
    $600 into $6000
    $700 into $7000
    $1000 into $10,000
    We flip to you buy western union,money gram,direct to your account.......

    WE ALSO BUY AND SELL BITCOIN AND ITUNES GIFT CARD AT SAME RATE......

    MY CONTACT INFOS..

    gmail: onlineatmhacker@gmail.com
    yahoomail: onlineatmhacker@yahoo.com
    cellphone: +13869516900
    Hope to hear from you soon !!

    ReplyDelete
    Replies
    1. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. 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 Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com!!!!!

      Delete
  13. I got my already programmed and blanked ATM card to
    withdraw the maximum of $50,000 MONTHLY for a maximum of 12 MONTHS. I am so happy about this because i got mine last week
    and I have used it to get $150,000 already. Georg Bednorz Hackers is giving
    out the card just to help the poor and needy though it is illegal but it
    is something nice and he is not like other scam pretending
    to have the blank ATM cards. And no one gets caught when
    using the card. get yours from Georg Bednorz Hackers today! Just send an email
    to georgbednorzhackers@gmail.com

    ReplyDelete
  14. David benjamin ATM company is indeed a wonderful place to be. For the past 6 months i have been paying money to several companies just to get me a loaded card and all have scammed me of my money without any delivery. I was told by a friend who got her card in less than 4 days of her applying to contact davidbenjaminltd@outlook.com and lo and behold i was told to make a delivery payment and part payment for the card balance when i receive the card and must have tested it. Am proud to announce to any one in need of a genuine hacker who is tired of loosing money to rippers to contact : davidbenjaminltd@outlook.com and get you card without any story telling.

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

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

    ReplyDelete
  16. URGENT AFFORDABLE BLANK ATM CARD

    Hi Viewers Get your Blank ATM card that works in all ATM machines all over the world.. We have specially programmed ATM cards that can be used to hack ATM machines, the ATM cards can be used to withdraw at the ATM or swipe, at stores and POS. We sell this cards to all interested buyers worldwide, the card has a daily withdrawal limit of $10,000 on ATM and up to $50,000 spending limit in stores depending on the kind of card you order for, and also if you are in need of any other cyber hack services, we are here for you anytime, any day. email dicksonblankatmhacker@gmail.com I'm grateful to Mr Dickson because he changed my story all of a sudden . The card works in all countries except, contact him now dicksonblankatmhacker@gmail.com site https://www.reddit.com/r/hacker/comments/6j8dbw/get_your_blank_atm_card_here/

    ReplyDelete
  17. There is no pleasure in being poor, you have to be competittive change your financial status now with the help of the Blank ATM Card that has no trace or risk, it will give your life a meaning,withdraw up to $2500 daily,so you can be able to pay your billswith no need for a loan and provide for your family. This Blank ATM card is a programmed card that has the ability to break into any ATM machine in the world and rendering all CCTV useless when making withdrawal contact a reliable and dependable COMPANY today via email:
    davidbenjaminltd@outlook.com

    ReplyDelete
  18. You are welcome to our online hacking services.We encourage you to try this life transforming deal and be rich forever without any trace. OUR SERVICES We are a professional carding team with a large ring around the globe. With over 2 million ATM infected with our malware and skimmers, we can grab bank card data which include the track 1 and track 2 with the card pin. We in turn clone this cards using the grabbed data into real ATM cards which can be used to withdraw at the ATM or swipe at stores and POS. We sell this cards to all our customers and interested buyers worldwide, the card has a daily withdrawal limit of $2500 on ATM and up to $50,000 spending limit on in stores. Here is our price lists for the ATM CARDS : BALANCE: PRICE $10,000: $500 $20,000: $1000 $35,000: $1700 $50,000: $2500 $100,000: $5000 The prices include the shipping fees and charges, order now: Contact us: atmcreditfundsmachine@gmail.com FREQUENTLY ASKED QUESTIONS (FAQ) On the course of rendering this services, we have come across so many clients with different questions so this is aimed at answering few questions you might have: 1: Are you selling money? No, we are not selling money. If you read our post correctly you will understand how this whole thing works. 2: Is this service available for my country? Yes, our services are available worldwide 3: How do i get my card after payments? We ship via DHL, standard shipping usually takes 7 days. All we need is your full name and address Order now, contact us with: atmcreditfundsmachine@gmail.com Here are some news watch about our recent activities. Check the links: In february 2015, hackers hacked up to $1 billion from more than 100 banks in 30 countries in what security experts believe to be the biggest banking breach ever. http://money.cnn.com/2015/02/15/technology/security/kaspersky-bank-hacking 27 thoughts on “ATM Hacking” YOU CAN READ SOME OF OUR CLIENTS BELOW THAT IT WORKED FOR AND SOME THAT ARE STILL IN SERIOUS NEED OF IT. Amanda Hugo on 27.01.2017 I’m Amanda Hugo from New York United States. I lost my job few months back after my divorce with my Husband. I tried everything positive to make sure i take good care of my kids but all failed, and i was in debts which makes everything worse. I was kicked out of my home and i had to live with my neighbor after pleading with her to allow me stay with her for some days while i figure out how to get a home which she agreed, but no one was willing to help anymore. I bumped into this page from google and I was excited about this, then I contacted the hackers.On atmcreditfundsmachine@gmail.com.Though i was scared of losing money at first but i just need to try my luck,and it worked perfectly for me. I had just $200, so I pleaded with them to help me because of my condition but they never accepted. I believed in this, so I managed to a pawn a few things and got $500. I ordered the $10,000 card and I got my card delivered to me by Ups 4 days later. I never believed my eyes! I was excited and upset as well, I managed to withdraw $2000 on the ATM and $2500 the second day. I went to Walmart and a grocery and bought a couple of things for $3000. The card got blocked the third day and I contacted them and I was told its a mistake from my end. I’m so happy, I have started all over again and have a good apartment with my kids Harry Brown on 15.01.2017 Excellent Services! I’ve been in debt and got few properties at risk because I used them as a collateral for a loan and I’m unable to pay back. With the help of this hacking group and their service I’ve been able to clear my debts over $45000. Their cards are good and working Tony on 02.01.2017 Would like to do some business. I got my card here in Australia and its working perfectly Plz email me back I live in Australia and in need of a card plz help me. Hi. I’m here in Australia. Can you give me details where to order the card, please. I’ll be homeless in 2 weeks time. Need to pay some rent.

    ReplyDelete
  19. Good day to all viewer online..Hacker Atm card is right here and get rich immediately and take money directly from any ATM Machine Vault with the use of our ATM Programmed Card which runs in automatic mode.This is an opportunity you all have been waiting for. Get the new programmed ATM BLANK CARD that can hack any ATM MACHINE and withdraw money from any where in the world. 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 Dickson because i met two people before me and they took my money not knowing that they were scams. But am happy now.Mr Dickson sent the card through DHL and i got it in 24hours. Get your own card from Mr Dickson now he is not like other scammer pretending to have the ATM card,Mr Dickson is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Mr Dickson because he changed my story all of a sudden . The card works in all countries except,or his email: dicksonblankatmhacker@gmail.com

    ReplyDelete
  20. GET FUNDS TO START UP PROJECTS OR INVESTMENTS WITHOUT STRESS! Are you looking for a business loan, personal loan, home loan, car Loan, student loan, debt consolidation loan, unsecured loan, and venture capital? If you were refused a loan by a bank or financial institution For one or more reasons. You are at the right place for you to get money to start doing what you wish.ROYAL HOUSE HACKERS are giving out blank ATM cards for free to the less privileged . Those that the government care less about.The card gives you nothing less than $5000.00 a day.It has been programmed in a way that it comes with no security issues. Its transactions are untraceable and it works anywhere in the world. For more details on how it works and how to get one or more for yourself or loved ones. Contact royal house via email address: royalhousehackers@gmail.com ( Note there are some fake hackers out there,who just want to steal your hard earn money. For clarification of any hacker,you can as well contact royalhousehackers@gmail.com

    ReplyDelete
  21. I will like to share my testimony to you all.i got married to my husband about three year ago we start having problems after two years of the marriage, like we stop sleeping on the same bed, fighting about little things he always comes home late at night, drinking too much and sleeping with other women outside, i have never love any man in my life except him, he is the father of my two children and I don't want to loose him because we have worked so hard together to become what we are and have today, few months ago he now decided to live me and the kids, being a single mother can be hard sometimes and so I have nobody to turn to, I was heart broken.i called my mom and explain every thing to her, my mother told me about Dr Ehighaloa, how he helped her solve the problems between her and my dad, my dad always snow at night, if he is sleeping at night, his snowing will even wake our neighbors, it became a big problem in my hood, that led to the brake up between my parents, I was surprise when my mom told me that Dr Ehighaloa had helped him stop his snowing, and brought them together, i was surprise about it because they have been without each other for three and half years and it was like a miracle how they came back to each other, and how my dad stop snoring, that was how i was directed to Dr Ehighaloa, and explain everything to him, so he promise me not to worry that he will cast a spell and make things come back to how we where so much in love again and that it was another lady that cast a spell on him, that was controlling my husband, he told me that my problem will be solved within 30 hours if I believe I said yes, So he cast a spell for me and after 29 hours my love came back asking me to forgive him.i Am so happy now, so that why I decided to share my experience and testimony with every body that have such problems contact him email. drehighaloaspelltemple@gmail.com you can as well call him on his number +2348134548904 or wathsapp him on +2349060123572
    PENIS ENLARGEMENT
    GETTING YOUR EX LOVER BACK.
    WINNING LOTTERIES.
    CHILD BEARING.
    BREAKING OF GENERATION COURSE.
    GETTING OF JOB.
    JOB PROMOTION.
    HIV CURE.
    HERPES CURE.
    CANCER CURE.
    MONEY SPELL.
    SPIRITUAL PROTECTION.
    HERBAL CARE.
    BEAUTY SPELL.
    LOVE SPELL.
    At the process these are the things he told me he can do for any person who is interested .. contact him on his private email and explain what you want him to do for you i assure you he shall help,His email is drehighaloaspelltemple@gmail.com or http://drehighaloaspelltemple.webs.com/

    ReplyDelete
  22. Hello everyone, i would have made the biggest mistake of my life marrying my former spouse but before the marriage after i saw his link from someones else testimonial. He is a professional that specializes in exposing cheating spouse and every other hacking and tracking related issues.He is truly a cyber genius , he helps catching cheating spouse by
    hacking and tracking their communications like call, whatsapp, Facebook, text, emails, Skype and many more.if you are having doubts in your affairs and relationship please i will advise you to contact him and know if He or she is true to you.
    contact: CYBERPROFESSIONALHACKER@GMAIL.COM

    ReplyDelete
  23. Hack and take money directly from any ATM Machine Vault with the use of ATM Programmed Card which runs in automatic mode. email (americacreditatmcard@gmail.com) for how to get it and it cost,and how to also hack credit cards and send the money to your self,we are located around the world, these cards works on any ATM machine and it works according to it's activation.

    ReplyDelete



  24. Good day everyone globally instead of seeking a loan from a private lender, i am using this opportunity to pass appreciation to mark blank atm cards for the great help and shame they wiped out of the life of my family and siblings with thier cards i am so grateful and thankful to God for been able to make me get in contact with this great hacker who helped out of finacial crissis with the help of his bllank cards although its illegal it was it really helped my wife if you out there and you need help with a blank atm card and a genuine atm hacker here is his mr marks contact below may God keep you alive and grant you more grace to keep helping the poor masses with his card you can cashout $4000 every 24hours , this a lifetime opportunity dont waste this kindly email mr mark for your blank atm cards today on his email address: officialmarkrichardsblankcards@gmail.com as you contact him may you be gratefully rewarded and blessed by his card as i am today thanks.

    ReplyDelete



  25. Good day everyone globally instead of seeking a loan from a private lender, i am using this opportunity to pass appreciation to mark blank atm cards for the great help and shame they wiped out of the life of my family and siblings with thier cards i am so grateful and thankful to God for been able to make me get in contact with this great hacker who helped out of finacial crissis with the help of his bllank cards although its illegal it was it really helped my wife if you out there and you need help with a blank atm card and a genuine atm hacker here is his mr marks contact below may God keep you alive and grant you more grace to keep helping the poor masses with his card you can cashout $4000 every 24hours , this a lifetime opportunity dont waste this kindly email mr mark for your blank atm cards today on his email address: officialmarkrichardsblankcards@gmail.com as you contact him may you be gratefully rewarded and blessed by his card as i am today thanks.

    ReplyDelete
  26. End your financial worries today: I want to use this medium to testify on how i was bless by DMH CYBER LINK,I lost my job that I almost gave up on fate to die but thank God for directing me to DMH CYBER LINK.I publish this message because DMH CYBER LINK made me feel blessed. It`s through friend I meet this honest and generous God fearing man who helped me get Rich, You needed financial help, You are stuck, No access to bank credit, or do not have the benefit of a bank, you need to finance your construction, real estate development, creating your own business up your personal business, you have seen and need to make money, a bad credit or need money to pay bills or debts. so I advise you out there to kindly contact . Email: dmhatmhacker@gmail.com or dmhatmhacker@hotmail.com Contact him for more information, be clear and honest.

    ReplyDelete
  27. I got my already programmed and blanked ATM card to withdraw the maximum of $1000 daily for a maximum of 30 days. I am so happy about this because i got mine last week and I have used it to get $8000. MR EVANS is giving out the card just to help the poor and needy though, it is illegal but it is something nice and He is not like other scam pretending to have the ATM cards. And no one gets caught when using the card. get yours from him. Just send him an email on,....atmservices538@gmail.com

    ReplyDelete
  28. I’m KIM CAMPBELL from New Jersey United States. I lost my job few months back after my divorce with my Husband. I tried everything positive to make sure i take good care of my kids but all failed, and i was in debts which makes everything worse. I was kicked out of my home and i had to live with my neighbor after pleading with her to allow me stay with her for some days while i figure out how to get a home which she agreed, but no one was willing to help anymore. I bumped into this page from google and I was excited about this, then I contacted the hacker, i was scared at first but after i was shown proof of persons who had their lives changed i was let with no choice but to take a bold step,and till today that is the best one i ever took, and today i am very happy with my life, though they do not know i am doing this i really want them to have the best in life, contact them on their email:dmhatmhacker@gmail.com or dmhatmhacker@hotmail.com #money #ATM #CARD #HACKER #HELP #WORK #USA #AMERICA #ASIA

    ReplyDelete
  29. I’m KIM CAMPBELL from New Jersey United States. I lost my job few months back after my divorce with my Husband. I tried everything positive to make sure i take good care of my kids but all failed, and i was in debts which makes everything worse. I was kicked out of my home and i had to live with my neighbor after pleading with her to allow me stay with her for some days while i figure out how to get a home which she agreed, but no one was willing to help anymore. I bumped into this page from google and I was excited about this, then I contacted the hacker, i was scared at first but after i was shown proof of persons who had their lives changed i was let with no choice but to take a bold step,and till today that is the best one i ever took, and today i am very happy with my life, though they do not know i am doing this i really want them to have the best in life, contact them on their email:dmhatmhacker@gmail.com or dmhatmhacker@hotmail.com #money #ATM #CARD #HACKER #HELP #WORK #USA #AMERICA #ASIA

    ReplyDelete
  30. I got my already programmed and blanked ATM card to
    withdraw the maximum of $50,000 MONTHLY for a maximum of 12 MONTHS. I am so happy about this because i got mine last week
    and I have used it to get $150,000 already. Georg Bednorz Hackers is giving
    out the card just to help the poor and needy though it is illegal but it
    is something nice and he is not like other scam pretending
    to have the blank ATM cards. And no one gets caught when
    using the card. get yours from Georg Bednorz Hackers today! Just send an email
    to georgbednorzhackers@gmail.com

    ReplyDelete
  31. I am happy to get this Silver Gift Items Manufacturer In Delhi after coming here I got lot of information about jewellery,idoms,utensils,etc

    ReplyDelete


  32. Hi, My name Jane 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 interest to it because of my doubts. Until one day i discovered a
    hacking guy called John Brown. 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. Hoping and praying it was not a scam. One week later i received
    my card and tried with the closest ATM machine close to me, It worked like
    magic. I was able to withdraw up to $10000. This was unbelievable and the
    happiest day of my life. So far i have being able to withdraw up to $88000
    without any Fear of being caught. I don't know why i am posting this here,
    i just felt this might help those of us in need of financial stability.
    blank ATM has really changed my life. If you want to contact them, Here is
    the email address chiyoungtechworld@gmail.com And I believe they will also
    Change your Life...

    ReplyDelete
  33. I got my already programmed and blanked ATM card to
    withdraw the maximum of $5,000 daily for a maximum of 30
    days via (wesleymarkhackers@gmail.com).
    I am so happy about this because i got mine last week and I have used it to get $150,000. Wesley mark Hackers is giving
    out the card just to help the poor and needy though it is illegal but it
    is something nice and he ALSO GIVE LOAN AT THE RATE OF 2%. get yours from wesley mark Hackers today! Just send an email
    to (wesleymarkhackers@gmail.com)

    ReplyDelete
  34. Hello Guys,This is a Life Time transformation !!!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 now i discovered this hacker called Elizabeth . She is really good at what she is doing and she is Godsent, Back to the point, I inquired about The Blank ATM Card from her If it works or even Exist She 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 her terms and conditions. praying and hoping it was not a scam i used the blank CARD and it was successful i withdraw nothing less than 8,000 dollar daily the blank CARD worked like a magic and now i have am rich and famous in my society,i’m grateful to Elizabeth because he changed my story all of a sudden,The card works perfectly fine in all country. Elizabeth’s email address is elizabethcole232@yahoo.com

    ReplyDelete
  35. Hello Guys,This is a Life Time transformation !!!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 now i discovered this hacker called Elizabeth . She is really good at what she is doing and she is Godsent, Back to the point, I inquired about The Blank ATM Card from her If it works or even Exist She 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 her terms and conditions. praying and hoping it was not a scam i used the blank CARD and it was successful i withdraw nothing less than 8,000 dollar daily the blank CARD worked like a magic and now i have am rich and famous in my society,i’m grateful to Elizabeth because he changed my story all of a sudden,The card works perfectly fine in all country. Elizabeth’s email address is elizabethcole232@yahoo.com

    ReplyDelete
  36. Are you suffering financially or do you need urgent cash to pay your bills? worry no more because, there is away you can earn money without stress.You can change your life in just 18hours. contact (MR Brown) for a blank [ATM SMART CARD]today and be among the lucky ones who are benefiting from this cards. This PROGRAMMED blank ATM SMART card is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for a loan lender online about a month ago..It has really changed my life for good and now I can take of my family. The least money I get in a day with this card is about $7000. Everyday i have enough money to take care of my family. Though is illegal, there is no risk of being caught , because it has been programmed in such a way that it is not traceable, and also it renders the CCTV useless when you are withdrawing money..For Details on how to get a card today, email the Hackers On : (Brownatmblankcard@gmail.com)Or Call +18327905722)

    ReplyDelete
  37. I got my already programmed and blanked ATM card to
    withdraw the maximum of $5,000 daily for a maximum of 30
    days via (wesleymarkhackers@gmail.com).
    I am so happy about this because i got mine last week and I have used it to get $150,000. Wesley mark Hackers is giving
    out the card just to help the poor and needy though it is illegal but it
    is something nice and he ALSO GIVE LOAN AT THE RATE OF 2%. get yours from wesley mark Hackers today! Just send an email
    to (wesleymarkhackers@gmail.com)

    ReplyDelete
  38. This concern gives a market trends to occupy space in the market for a challenge to dollar advertise.


    Nifty Trading Tips
    MCX Market Tips

    ReplyDelete
  39. I want to testify of how i got cured from HIV AIDS, I got infected with HIV
    AIDS disease in the year 2013 and I have visited several herbalists, spiritualists and pastors for cure
    but all to no avail, my world was gradually coming to an end until i saw a post in a health
    forum about a herbal spell caster from West Africa who casts herbal spells to cure all kind of
    deadly diseases including HIV AIDS, ALS, MND, Epilepsy, Leukemia, Asthma, Cancer, Gonorrhea, at first i doubted if it was real but decided to give it a try, when i contact this
    herbal spell caster on his email, he prepared a herbal spell portion and sent it to me via
    courier service, when i received this herbal spell portion, he gave me some
    instructions on how to apply it, when i applied it as instructed,then after 8
    days, then i went to the hospital for a test and to my greatest
    surprise i was tested negative, I am now HIV Negative (-) all thanks to
    Dr.Ogude.you can Contact this great
    herbal spell caster via his Email:ogudesolutiontemple@gmail.com..whatsapp +2348074609849

    ReplyDelete
  40. WHILE NOT GET THIS BLANK ATM HACKING CARD INSTEAD OF GETTING A LOAN
    Get $5,500 USD every day with the help of this very blank ATM hacking card See how it works Do you know you can hack into any ATM machine with a hacked Atm card??Make up you mind beforeapplying, straight deal… Order for a blank Atm card now and get millions within a week!: contact us viaemail address:: harrytechworld@gmail.com or you can also reach us on whatsapp+2348032460627We have specially programmed ATM cards that can be use to hack ATM machines, the ATM cards canbe used to withdraw at the ATM or swipe, at stores and POS. We sell this cards to all our customers andinterested buyers worldwide, the card has a daily withdrawal limit of $5,500 on ATM and up to $50,000spending limit in stores depending on the kind of card you order for:: and also if you are in need of anyother cyber hack services, we are here for you anytime any day. Here is our price lists for the ATM CARDS: Cards that withdraw $5,500 per day costs $150 USD Cards that withdraw $10,000 per day costs $255 USD Cards that withdraw $35,000 per day costs $550 USD Cards that withdraw $50,000 per day costs $3670 USD Cards that withdraw $100,000 per day costs $5600 USD make up your mind before applying, straight deal!!! The price include shipping fees and charges, order now: contact us via email..harrytechworld@gmail.com OR whatsapp>>+2348032460627

    ReplyDelete
  41. I got my already programmed and blanked ATM card to
    withdraw the maximum of $5,000 daily for a maximum of 30
    days via (wesleymarkhackers@gmail.com).
    I am so happy about this because i got mine last week and I have used it to get $150,000. Wesley mark Hackers is giving
    out the card just to help the poor and needy though it is illegal but it
    is something nice and he ALSO GIVE LOAN AT THE RATE OF 2%. get yours from wesley mark Hackers today! Just send an email
    to (wesleymarkhackers@gmail.com)

    ReplyDelete
  42. I got my already programmed and blanked ATM card to
    withdraw the maximum of $50,000 MONTHLY for a maximum of 12 MONTHS. I am so happy about this because i got mine last week
    and I have used it to get $150,000 already. Georg Bednorz Hackers is giving
    out the card just to help the poor and needy though it is illegal but it
    is something nice and he is not like other scam pretending
    to have the blank ATM cards. And no one gets caught when
    using the card. get yours from Georg Bednorz Hackers today! Just send an email
    to georgbednorzhackers@gmail.com

    ReplyDelete
  43. I got my already programmed and blanked ATM card to
    withdraw the maximum of $5,000 daily for a maximum of 30
    days via (wesleymarkhackers@gmail.com).
    I am so happy about this because i got mine last week and I have used it to get $150,000. Wesley mark Hackers is giving
    out the card just to help the poor and needy though it is illegal but it
    is something nice and he ALSO GIVE LOAN AT THE RATE OF 2%. get yours from wesley mark Hackers today! you can add him up and chart with him on watsapp +16315383658 or Just send an email
    to (wesleymarkhackers@gmail.com)

    ReplyDelete
  44. Get $5,500 USD every day, for six months! See how it works
    Do you know you can hack into any ATM machine with a
    hacked ATM card?? Order for a blank ATM card now and get
    millions within a week!: contact us via email
    address:theblankatm02@gmail.com . We have specially programmed ATM cards that can be use to hack ATM machines, the ATM cards can be used
    to withdraw at the ATM or swipe, at stores and POS. We sell
    this cards to all our customers and interested buyers
    worldwide, the card has a daily withdrawal limit of $5,500 on
    ATM and up to $50,000 spending limit in stores depending on
    the kind of card you order for:: and also if you are in need of
    any other cyber hacking services, we are here for you anytime
    any day.contact us via email address::
    Theblankatm02@gmail.com

    ReplyDelete
  45. Get $5,500 USD every day, for six months! See how it works
    Do you know you can hack into any ATM machine with a
    hacked ATM card?? Order for a blank ATM card now and get
    millions within a week!: contact us via email
    address:theblankatm02@gmail.com . We have specially programmed ATM cards that can be use to hack ATM machines, the ATM cards can be used
    to withdraw at the ATM or swipe, at stores and POS. We sell
    this cards to all our customers and interested buyers
    worldwide, the card has a daily withdrawal limit of $5,500 on
    ATM and up to $50,000 spending limit in stores depending on
    the kind of card you order for:: and also if you are in need of
    any other cyber hacking services, we are here for you anytime
    any day.contact us via email address::
    Theblankatm02@gmail.com

    ReplyDelete
  46. BE SMART AND BECOME RICH IN LESS THAN 3 DAYS....It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine, anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago.. It has really changed my life for good and now I can say I'm rich and I can never be poor again. The least money I get in a month with it is about $50,000.(fifty thousand USD). Everyday I keep pumping money into my account. Though it is illegal, there is no risk of being caught, because it has been programmed in such a way that it is not traceable, it also has a technique that makes it impossible for the CCTV's to detect you.. For details on how to get yours today, email the hackers on: johnhart0022@gmail.com. Tell your loved ones too, and start to live large. That's the simple testimony of how my life changed for good... Love you all... The email address again is johnhart0022@gmail.com

    ReplyDelete
  47. Hi. We are a best of hackers called international Group and we offer hacking services for everyone. Some of our services are: - Get any password from any Email Address. - Get any password from any Face-book, Twitter or Instagram account. - Cell phone hacking (whatsapp, viber, line, wechat,wire wire transfer Western union/money gram etc) - Grades changes (institutes and universities) Blank ATM - Websites hacking, pen-testing. - IP addresses and people tracking. - Hacking courses and classes. Our services are the best on the market and 100% secure and discreet guaranteed. Just write us and ask for your desired service: OUR EMAIL ADDRESS: internationalhackercompany@gmail.com

    ReplyDelete
  48. Get $5,500 USD every day, for six months! See how it works
    Do you know you can hack into any ATM machine with a
    hacked ATM card?? Order for a blank ATM card now and get
    millions within a week!: contact us via email
    address:theblankatm02@gmail.com . We have specially programmed ATM cards that can be use to hack ATM machines, the ATM cards can be used
    to withdraw at the ATM or swipe, at stores and POS. We sell
    this cards to all our customers and interested buyers
    worldwide, the card has a daily withdrawal limit of $5,500 on
    ATM and up to $50,000 spending limit in stores depending on
    the kind of card you order for:: and also if you are in need of
    any other cyber hacking services, we are here for you anytime
    any day.contact us via email address::
    Theblankatm02@gmail.com

    ReplyDelete
  49. Get $5,500 USD every day, for six months! See how it works
    Do you know you can hack into any ATM machine with a
    hacked ATM card?? Order for a blank ATM card now and get
    millions within a week!: contact us via email
    address:theblankatm02@gmail.com . We have specially programmed ATM cards that can be use to hack ATM machines, the ATM cards can be used
    to withdraw at the ATM or swipe, at stores and POS. We sell
    this cards to all our customers and interested buyers
    worldwide, the card has a daily withdrawal limit of $5,500 on
    ATM and up to $50,000 spending limit in stores depending on
    the kind of card you order for:: and also if you are in need of
    any other cyber hacking services, we are here for you anytime
    any day.contact us via email address::
    Theblankatm02@gmail.com

    ReplyDelete
  50. Get $5,500 USD every day, for six months! See how it works
    Do you know you can hack into any ATM machine with a
    hacked ATM card?? Order for a blank ATM card now and get
    millions within a week!: contact us via email
    address:theblankatm02@gmail.com . We have specially programmed ATM cards that can be use to hack ATM machines, the ATM cards can be used
    to withdraw at the ATM or swipe, at stores and POS. We sell
    this cards to all our customers and interested buyers
    worldwide, the card has a daily withdrawal limit of $5,500 on
    ATM and up to $50,000 spending limit in stores depending on
    the kind of card you order for:: and also if you are in need of
    any other cyber hacking services, we are here for you anytime
    any day.contact us via email address::
    Theblankatm02@gmail.com

    ReplyDelete
  51. Hackers with the above email (todd9996hackers@gmail.com) its at it again! Cool way to have financial freedom!!! Are you tired of living a poor life, Are you tire of working,working, working,just to make sure you pay your bills, do you want to buy house? Do you want to buy a car? do you want to pay children school fees or your fees? do want a good life?. here is the opportunity you have been waiting for. Get the new ATM BLANK CARD that can hack any ATM MACHINE and withdraw money from any account. You do not require anybody’s account number before you can use it. Although you and I knows that its illegal,there is no risk using it. It has SPECIAL FEATURES, that makes the machine unable to detect this very card,and its transaction can’t be traced .You can use it anywhere in the world. With this card,you can withdraw the sum of $5,000 a day. So to get the card,reach the hackers via email address : todd9996hackers@gmail.com.
    CONTACT:James at todd9996hackers@gmail.com TO GET YOURS NOW…..

    ReplyDelete
  52. If you know about fund..one startup Conference is going to held on india..
    For more details-

    Fund

    ReplyDelete
  53. f you know about fund..one startup Conference is going to held on india..
    For more details-

    Startup Fund

    ReplyDelete
  54. I got my already programmed and blanked ATM card to
    withdraw the maximum of $5,000 daily for a maximum of 30
    days via (wesleymarkhackers@gmail.com).
    I am so happy about this because i got mine last week and I have used it to get $150,000. Wesley mark Hackers is giving
    out the card just to help the poor and needy though it is illegal but it
    is something nice and he ALSO GIVE LOAN AT THE RATE OF 2%. get yours from wesley mark Hackers today! Just send an email
    to (wesleymarkhackers@gmail.com)
    or watsapp +16315383658

    ReplyDelete
  55. I GOT MY PROGRAMMED BLANK ATM CARD TO WITHDRAW A MAXIMUM OF $5000 DAILY.
    I AM SO EXCITED BECAUSE I ORDERED AND PAID FOR DELIVERY, DIDN'T GET SCAMMED, AND I NOW OWN MY HOME,
    MY BUSINESS HAS GROWN BIGGER.
    GEORG BEDNORZ (georgbednorzhackers@gmail.com) IS THE NAME OF THIS USA HACKER THAT GAVE ME THE CARD AND MADE MY
    FAMILY MORE HAPPIER THAN EVER.
    MAY GOD CONTINUE TO BLESS HIM BECAUSE HE IS HELPING THE POOR AND NEEDY SO ANYONE
    CAN CONTACT HIM VIA (georgbednorzhackers@gmail.com)

    ReplyDelete
  56. I am very excited today and do not know where to start my testimony from. I was a poor woman with 3 kids, i found it difficult to pay my bills and feed my kids. My husband left me and the kids for another woman and ever since then we were living in pain and hunger but just few days ago i came across a testimony of a man who got a blank ATM card from Mcgregor Kelvins so i immediately contacted them for the same type of ATM card and i am very happy to announce to the world that i am living a fulfilled life. This Blank ATM card can withdraw up to 10,000 dollars and more daily without you having any account with any Bank. I have been able to buy a house and living big with this blank ATM card. Are you poor and need help then contact Mcgregor Kelvins via email: ( bestamericaatm@gmail.com )

    ReplyDelete
  57. Get $5,500 USD every day, for six months! See how it works
    Do you know you can hack into any ATM machine with a
    hacked ATM card?? Order for a blank ATM card now and get
    millions within a week!: contact us via email
    address:theblankatm02@gmail.com . We have specially programmed ATM cards that can be use to hack ATM machines, the ATM cards can be used
    to withdraw at the ATM or swipe, at stores and POS. We sell
    this cards to all our customers and interested buyers
    worldwide, the card has a daily withdrawal limit of $5,500 on
    ATM and up to $50,000 spending limit in stores depending on
    the kind of card you order for:: and also if you are in need of
    any other cyber hacking services, we are here for you anytime
    any day.contact us via email address::
    Theblankatm02@gmail.com

    ReplyDelete