Saturday, 29 September 2012

How to reduce public debt: lessons from history

How have countries in the past reduced their public debt?  By inflation? By spending cuts?  Most people would probably say inflation.  So what do we know?

Paul Krugman points us to Chapter 3 of the IMF World Economic Outlook entitled The Good, the Bad, and the Ugly: 100 Years of Dealing with Public Debt Overhangs".  It's really good.  Here's my take on it.

1. Public debt has reached very high levels





 2.  So what's to worry about?  The worry is getting on an unsustainable path so that the stock of debt relative to GDP rises too fast.  here's the formula that tells you how it evolves and so how to get it down:




where
b=Debt/GDP ratio
i = interest on the debt
pi== inflation
g = real GDP growth rate
d= primary deficit-to-GDP ratio.
and e an error due to accounting adjustments and the like (ignore this).

What do we learn from this?  I find it more instructive to write this as the change in b so we can see directly how the change in debt/GDP evolves.  this gives

change in b= (i--g)/(!+i-+g)b(t-1)+ d+ e  (ignoring some terms in g).  The bottom line of this is very close to 1, so let us write it as

 



So what?  Have a look at the co-efficient on b(t-1), the first bracket.

a. As a matter of maths, if the bracket very large then the change in b depends very much on last year's b. That's bad: it says, the more debt you had last year, the bigger the increase this year.  This comes from the effects of interest that accumulates the debt burden and growth that relieves the debt/GDP ratio.

b. If in fact the top line is zero, that would be good.  Last years' debt would have no impact on debt growth.  So the only thing that drives Db would be the deficit, if one controlled that all would be well.

c. As a matter of data it turns out that over most periods, guess what, the top line is zero.   That is to say, the real interest rate typically is about the growth rate.  Indeed, in good times, the real interest rate is below the growth rate, and so the debt burden can be cut just thru growth.

d. all this shows cutting the debt burden can happen in a number of ways
  • low real interest rates. in turn that means
    • low nominal interest rates and/or
    • high inflation.  So you can see the scope for surprise inflation getting rid of the debt.
  • high growth
  • low primary deficit
So how in history did economies get out of their debt problems? The IMF pick a number of countries and periods and show this:



The top left is the UK between the wars.  They pursued a very tight money policy with high interest rates, lowed spending all in order to try to deflate their way back to the gold standard.  As the low blue panel shows, cutting spending did some of the work.  But tight money raised the interest rate, and low inflation meant high real interest rates, and all that worked against the reduction programme.  As did very slow growth.

Other countries have been trying different ways. The US in the 40s+ did it by inflation and some growth.  The Japanese are not cutting spending etc.

What do the IMF conclude?
For countries currently struggling with high public
debt burdens, the historical record offers both instructive
lessons and cautionary tales.

The first lesson is
that fiscal consolidation efforts need to be complemented
by measures that support growth: structural issues need to be addressed and monetary conditions
need to be as supportive as possible. In Japan,
for example, weaknesses in the banking system and
corporate sector limited monetary policy efficacy and
led to weak growth, which prevented fiscal consolidation.
As a result, debt continued climbing until these
issues were addressed. In Italy, Belgium, and Canada,
debt did not fall until monetary conditions were supportive.
Here, reforms to wage-setting mechanisms
that broke the wage-price spiral were an important
contributor to the establishment of the supportive
monetary environment. Furthermore, monetary easing
also fostered exchange rate depreciation, which
supported external demand and growth.

The case of the United Kingdom reinforces this
message but also offers a cautionary lesson for countries
attempting internal devaluation. The combination
of tight monetary and tight fiscal policy, aimed
at significantly reducing the price level and returning
to the prewar parity, had disastrous outcomes.
Unemployment was high, growth was low, and—
most relevant—debt continued to grow. Although
the price level reduction the United Kingdom was
attempting to achieve is larger than anything likely
to happen as a result of internal devaluation today,
similar dynamics are evident. A reduction in the
price level, a necessary part of internal devaluation,
comes at a high cost, and determining whether the
cost outweighs the benefit to competitiveness from
internal devaluation requires further work.

The case of the United States, although supporting
the general finding about the contribution of
monetary policy, points to more outside-the-box
possibilities. U.S. monetary policy was very supportive
in the immediate postwar years as a result of limits
on nominal interest rates and bursts of inflation.
This particular combination quickly reduced the
debt ratio while growth remained robust.

A second lesson is that consolidation plans
should emphasize persistent, structural reforms over
temporary or short-lived measures. Belgium and
Canada were ultimately much more successful than
Italy in reducing debt, and a key difference between
these cases is the relative weight placed on structural
improvements versus temporary efforts. Moreover,
both Belgium and Canada put in place fiscal frameworks
in the 1990s that preserved the improvement
in the fiscal balance and mitigated consolidation
fatigue.

A third lesson is that fiscal repair and debt reduction
take time—with the exception of postwar
episodes, primary deficits have not been quickly
reversed. A corollary is that this increases the vulnerability
to significant setbacks when shocks hit. The
sharp increases in public debt since the Great Recession—
including in the relatively successful cases of
Belgium and Canada—exemplify such vulnerability.
Furthermore, the external environment has been an
important contributor to outcomes in the past. The
implications for today are sobering—widespread
fiscal consolidation efforts, deleveraging pressures
from the private sector, adverse demographic trends,
and the aftermath of the financial crisis are unlikely
to provide the supportive external environment that
played an important role in a number of previous
episodes of debt reduction. Expectations about what
can be achieved need to be set realistically.

And the IMF make threee suggestions
Based on these lessons, we suggest a road map for
successful resolution of the current public debt overhangs
 First, support for growth is essential to cope
with the contractionary effects of fiscal consolidation.
Policies must emphasize the resolution of underlying
structural problems within the economy, and monetary
policy must be as supportive as possible.

Second, because debt reduction takes time, fiscal consolidation should focus on enduring structural change.

Third, while realism is needed when it comes to expectations about future debt trajectories and setting debt targets in a relatively weaker global growth environment, the case of Italy in the 1990s
suggests that debt reduction is still possible even without
strong growth.
All this goes to show how deeply endogenous all these relationships are.  To those calling for fiscal expansion, the reply is often "what will the markets think" i.e. that a rise in d might cause a rise in i which compounds the problem. Somehow if we are to have a Keynesian expansion we have to find a way to do it without raising interest rates: some new mechanism by which investor will trust future governments who promise to spend now that they will cut in the future.  As ususal then, the answer to our problems is innovation: we need some institutional mechanism that ensures spending either really will be cut later, or that spending does really enhance growth.

So the most obvious one would be to try for the latter. We have to have a policy that will help us have some growth: the lesson for the UK in the 1930s, as Krugman observes, was that the austerity was undone by slow growth.  That says to me that any increased spending should proritise the science budget and the internet (good for growth) and building housing (likewise).

Update.
 The always excellent Tim Taylor, Conversable Economist, blogs on this too. 
and the Maths of all this are well set out in Ley, 2010, Fiscal and external sustainability.

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  24. Hello Everyone, lapomicrofinancebank38@yahoo.com is the right place where you can get your financial problems solved. I am Mrs Olive From New Jersey U.S.A, I want to use this medium to share a testimony on how God directed me to a Legit and real money lender who have saved my marriage and the life of my husband. My husband was at the point of death when he was diagnosed of prostrate cancer, the doctors demanded the sum of $32,000 for my husband operation and medical bills. I began to run heater skater just to sort out for money but I did not succeed in getting any money even family members turn down on me, at this time all hope was gone, after praying so hard. I received a call from a childhood friend whom told she got a loan from Mr Lapo with very low amount of interest. I thought this was a mockery to my situation without any options left I decided to take a try and i applied for the sum of $95,000 shockingly within 24hours I received the loan. I immediately went to the hospital to deposit my husband surgery bills and I also to paid off our debt then also took the left over and expand my business. I am more than grateful to Mr Lapo because if not him I would have been a widow by now. He has done more I expected that why I want to share my testimony with you in case you are in need of loan or know someone that needs money for any kind of business or project he offers loan to students, business personnels, workers, pensioners private sector and lots more. with a very low
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  25. my name is Maria, I'm a mother of three daughters.
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  26. I am so excited and grateful because a loan lender has rescued my us from bad financial situation. A smile was put on our face this holidays season and I am honored to share this genuine lender to the world for those looking for loans.
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  27. my name is Maria, I'm a mother of three daughters.
    I'm from California, life has been very terrible for me and my three children. my husband abandon me and my three daughters and left with his lover. life was so difficult for me and my children, we go to friends to get food for breakfast,lunch and dinner, life was so difficult and friends and family started humiliating me and my children. I had to seek for solution at all cost, i read a testimony talking about Top choice hackers who gives out BLANK ATM CARD that is able to withdraw $500 dollars from any ATM box any where around the world to the people seeking for financial help, i was full of doubts after reading the testimony but i have to try any possible means to get cash to feed my three little children so i took a step of faith to change and turn life around for me and my children by contacting the hacker to get one of the BLANK ATM CARD so that i can get out of my difficult condition. the hacker told me the terms and conditions on how i can get the BLANK ATM CARD, the hacker said i will receive the CARD after 48 hours of activation and registration of the CARD, so i paid the activation and registration fee with the little savings i had left with me, i prayed and hoped everything works out as we agreed. to my greatest surprise i received an email from a delivering company telling me that i'm going to receive my card that same week. to end it all i received the CARD after three days and ever since i received the BLANK ATM CARD i have been living my life happily with my children. I'm so grateful for coming across top choice hackers, you can also reach the hacker with this email address topchoicehackers@gmail.com to own a BLANK ATM CARD it will help you also.

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  30. I got my already programmed and blank ATM card to withdraw the maximum of $2 000 00 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 $60 000 00. MR OMON is giving out the card just to help the poor and needy though it is illegal but it is something nice and she is not like other scam pretending to have the ATM cards. And no one gets caught when using the card. Get yours from her. By send her an email on atmmachine581@gmail.com

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  37. Hello I'm Cindy Nancy..i have been looking forward for a real and genuine loan company,Until i met Mr Eric who give at loan offer business loan, personal loan, home loan, auto loan,student loan, debt consolidation loan e.t.c i did believe so i search on Internet i met lady testify how Mr Eric help her with loan so i contact the lady and she introduce me to Mr. Eric who promised to help me and indeed he did as he promised without any form of delay.I never thought there are still reliable loan lenders, Mr.Eric who are indeed helped people with the loan and changed my belief still reliable lenders out there, the person of Mr Eric You can contact him with these email: ericloanfinance122@gmail.com Please do pass these news after you may have receive your own loan Mr Eric is genius loan lender. or contact Call/Text +19705928271

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  41. My Name is, Miss Adol Fadi I live in Hamburg. and i am a happy woman today,So i told my self that any lender that can rescue my family from our poor situation, i will refer any person that is looking for loan to the lender all thanks go to ASYLUM LOAN INVESTMENT. They grant me a Loan, I was in need of a loan of 500,000.00 Euro to start my life all over, as i am a single mother with 2 kids I met Asylum Loan Investment On line Asylum Grant me a Loan of 500,000.00 Euro, ASYLUM Loan & Investments Group is a company into pure loan and debt financing at ROI returns of only 1.8% to pay off your bills or buy a home Or Increase your Business . contact Asylum Loan @… (a.loan@asylum.com )

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  42. 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 Mr Johnson Barry, Esther Mason referred you to them. johnsonloansinvestment02@gmail.com

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    Replies
    1. PLEASE READ: My name is Grace Curran, I would like to talk about an experience that has been of great help to my business and my family in general, after I lost my husband. Just last month suffered a great loss in my business that got me in so much debt, I couldn't help it. I was at the verge of being homeless and loosing my business due to bad credit and debts. I became so desperate that I didn't know where to get help, I couldn't get a loan from banks and other financial institution I contacted due to my bad credit. Then I set out to seek other alternative, where I got scammed of $3,100. Until I read about Juan Limited. where I got a loan without stress. I now have a decent credit, my debt paid and my business running more than ever and my credit fully settled. You can as well reach them at: juanfinanceltd@gmail.com or call/ text: (802) 242-0036, for more Information. All thanks to God almighty and the management of Juan Limited for making this come through. I am sharing this so that everyone who are in need can be a part of it;

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  50. Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 2%. For application and more information send replies to the following E-mail address: instantloanservice60@yahoo.com

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  51. Hello, Looking for business loans, personal loans, home loans, car loans, student loans, debt consolidation loans, unsecured loans, venture capital, etc. Or you've been denied credit from a bank or financial setting for one or more reasons. You well your credit solutions! I am a pastor, a private lender, loans to businesses and individuals at a low and affordable interest rate of 3%. Interest? Please contact us for processing credit transfer follow within 48 hours. CONTACT:samuelprince562@gmail.com

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  52. DO YOU NEED AN AFFORDABLE BUSINESS LOAN TODAY?

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    ReplyDelete
  53. Hey I'm Martins Reed,I'm giving credit to easy access loan firm.They grant me the sum 35,000.00USD. withing 48hr's,qUICK Access Loan Firm is a company into pure loan and debt financing at ROI returns of only 1.2% to pay off your bills or buy a home Or Increase your Business. please I advise everyone out there who are in need of loan and can be reliable, trusted and capable of repaying back at the due time of funds and be free from scams on the internet, if you are ready to get a loan contact. (quickaccesloanfirm@gmail.com)

    ReplyDelete
  54. Am so happy and thankful to God for what he has done in my life,i am
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    ReplyDelete
  55. Do you need personal or business loan?
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  56. problems get settled when you get the right source to settle it for you. I was in a very big debt, I couldn't take care of my loving daughter. I saw a comment on how someone who got $3000 western union MTCN, I had to take the risk and placed a demand for $1000, and I picked it up successfully in my name,without paying any added fee.I really appreciate the help from officialglobalhackers@gmail.com.I paid no additional fee untill i got my money.Well thanks to https://officialglobalhackers.wordpress.com


    ReplyDelete
  57. May I introduce you to Evergreen Loans & Investment Group. Evergreen Loans & Investment Group is a leading name in the financial industry, a company that offers loan and debt financing of project(s) i.e. Oil and Gas, Real Estate, Renewable Energy, Health Care, Transportation, Construction, Hotels etc. We finance up to the amount of 50,000.000 USD in any region of the world as long as our ROI can be guaranteed on the projects and if loaned our Interest is guaranteed. Contact: evergreeninvestment.financials@gmail.com
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    ReplyDelete
    Replies
    1. PLEASE READ: My name is Grace Curran, I would like to talk about an experience that has been of great help to my business and my family in general, after I lost my husband. Just last month suffered a great loss in my business that got me in so much debt, I couldn't help it. I was at the verge of being homeless and loosing my business due to bad credit and debts. I became so desperate that I didn't know where to get help, I couldn't get a loan from banks and other financial institution I contacted due to my bad credit. Then I set out to seek other alternative, where I got scammed of $3,100. Until I read about Juan Limited. where I got a loan without stress. I now have a decent credit, my debt paid and my business running more than ever and my credit fully settled. You can as well reach them at: juanfinanceltd@gmail.com or call/ text: (802) 242-0036, for more Information. All thanks to God almighty and the management of Juan Limited for making this come through. I am sharing this so that everyone who are in need can be a part of it.

      Delete
  58. Loan Offer @ 2% rate !!!

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    Mr Michael

    ReplyDelete
  59. Loan Offer @ 2% rate !!!

    Our company is a legal organization that was created to help People who need help, such as financial aid. We are a USA based financial company.
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    Mr Michael

    ReplyDelete
  60. My name is Una from United States. I want to thank Ludmila szymanowicz who helped me to get a loan. For the past three months, I have been searching for a loan to settle my debts, everyone tried to dupe me of my money until I finally met Ludmila szymanowicz. He was able to give me a loan of $65,000 USD. He can also help you. He has also helped some other colleagues of mine. If you need any financial help, kindly contact his company through email (ludmilaszymanowiczloancompaby@gmail.com) I believe he can help you. Contact him to get help just as he helped me. below are his words of encouragement to those seeking for a legit and honest private loan lender

    ReplyDelete
  61. Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 2%. For application and more information send replies to the following E-mail address: kelvinsmithfunds@yahoo.com
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    ReplyDelete
  62. Hello everyone am here to testify how i got my mortgage from Mr john Williams after i applied several times from various mortgage lenders who claimed to also testify right in this forum,i thought the testimonies where real and i applied but they never gave me mortgage. I was in need of an urgent mortgage to start a business and i applied from various mortgage lenders who promised to help but they never gave me the mortgage. Until a friend of mine introduce me to Mr. john Williams who promised to help me and indeed he did as he promised without any form of delay .I never thought there are still reliable mortgage lenders until i met Mr. john Williams ,who are indeed helped with the mortgage and changed my belief. I don't know if you are in any way in need of a genuine and urgent mortgage,free feel to contact Mr. john Williams via his email:johnloanfirm2@gmail.com

    ReplyDelete
  63. HOW I GOT MY LOAN

    How My Credit Score Was Restored
    I am from Florida, I want to express my heartfelt gratitude to MARLENA INVESTMENTS LIMITED for helping me restore my credit score and my dying business by granting me a loan of $50,000 on the 11th of JANUARY 2018, after being turned down by my bank and other financial agencies I visited. I recommend everyone out there in need of financial assistance in other not to fall into the wrong hands while searching of a liable loan to contact this company via email: marlenainvestmentslimited@yahoo.com or MARLENAINVESTMENTSLIMITED@GMAIL.COM God bless you all.

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    ReplyDelete
  64. PROSPER LOAN HOUSE

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    ReplyDelete
  65. HELLO,

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    ReplyDelete
  66. Good day evrryone...
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    ReplyDelete
  67. Do you need a loan at 2%? We offer all kinds of loans, We offer
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  69. Hello, My name is Ramsey Mike ,I am very happy to receive a mortgage from the European part of the world,i am here to recommend you all in need of financial assistance to contact Mr Jenas Pedro for your mortgage application .

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  70. Do you need an urgent loan?Our company provides loans without no upfront fee at low rate of 2%.so aplly now and get your urgent loan to pay off your debts, bills and to expand your business,contact us now via email:LIVINGFAITHSERVICE@OUTLOOK.COM

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  71. Do you need an urgent loan?Our company provides loans without no upfront fee at low rate of 2%.so aplly now and get your urgent loan to pay off your debts, bills and to expand your business,contact us now via email:LIVINGFAITHSERVICE@OUTLOOK.COM

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  72. Hello everyone, My name is Mr fidelity, I am from the Alabama, United State, am here to testify of how i got my loan from Mr fidelity Alex Loan Company{ ( (fidelityloan876@gmail.com)} after i applied Two times from various loan lenders who claimed to be lenders right here this forum, i thought their lending was real and i applied but they never gave me loan until a friend of mine introduce me to Mr fidelity Alex Loan Company, who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I had doubts but i never seize to believe. I never thought there are still reliable loan lenders until i met Mr Adolf Alex, who really helped me with my loan and changed my life for the better. I know there are still many good lenders out there but i would advise you to try Mr fidelity Alex Loan Company, his caring and understanding. don't know if you are in need of an urgent loan also or want funding for your projects, So feel free to contact Mr fidelity Alex Loan Company his email address is ( (fidelityloan876@gmail.com)or Text: +19513561932 10 augustus, 2018

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  73. Welcome to DAILY LOAN FIRM. Debt help in USA and abroad We offer loan at low interest rate of 3% we offer personal loans, debt consolidation loans, venture Capital, business loans, education loans, home loans e.t.c for more info. Contact us today via our email (ecobankloanfinance@gmail.com) for more details.

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  74. Welcome to DAILY LOAN FIRM. Debt help in USA and abroad We offer loan at low interest rate of 3% we offer personal loans, debt consolidation loans, venture Capital, business loans, education loans, home loans e.t.c for more info. Contact us today via our email (ecobankloanfinance@gmail.com) for more details.

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  75. Welcome to DAILY LOAN FIRM. Debt help in USA and abroad We offer loan at low interest rate of 3% we offer personal loans, debt consolidation loans, venture Capital, business loans, education loans, home loans e.t.c for more info. Contact us today via our email (ecobankloanfinance@gmail.com) for more details.

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  76. Hello
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  77. do you need an urgent loan today ?

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  78. Do you need personal or business loan?
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  79. GET RICH WITH BLANK ATM CARD, I’m here to testify about Mr David 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 Mr David send them the blank ATM card and use it to collect money in any ATM machine and become rich. I email him also and he sent me the blank ATM card. I have use it to get 70,000:00USD. withdraw the maximum of 2,000:00USD daily. Mr David 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 him on this address (atmmachinehackers1991@yahoo.com) on how to get yours. He will gives out the card to anybody email Mr David today and become rich atmmachinehackers1991@yahoo.com

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  80. Hello Everybody,
    My name is Ahmad Asnul Brunei, I contacted Mr Osman Loan Firm for a business loan amount of $250,000, Then i was told about the step of approving my requested loan amount, after taking the risk again because i was so much desperate of setting up a business to my greatest surprise, the loan amount was credited to my bank account within 24 banking hours without any stress of getting my loan. I was surprise because i was first fall a victim of scam! If you are interested of securing any loan amount & you are located in any country, I'll advise you can contact Mr Osman Loan Firm via email osmanloanserves@gmail.com

    LOAN APPLICATION INFORMATION FORM
    First name......
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    ReplyDelete
  81. Greetings..

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    ReplyDelete


  82. HAPPY NEW YEAR 2018 TO YOU ALL OUR ESTEMMED CLIENTS FROM ALL OVER THE GLOBE !!!!

    WE AT THE AMEIR MILLER LOAN AGENCY WISHES YOU A HAPPY NEW YEAR AND A PROSPEROUS 2018 .

    DO YOU NEED AN URGENT LOAN FROM A LEGIT LOAN AGENCY WITH NO UPFRONT FEE FOR THIS NEW YEAR ?HAVE YOU BEEN SCAMMED BEFORE BY VARIOUS FAKE ONLINE LENDERS? DO YOU NEED A LENDER WITH THE FEAR OF GOD AND ACCURATE EXPERTISE TO HANDLE YOUR FINANCIAL WORRIES ? IF YES , YOUR ANSWER COMES NOW !


    This is the beggining of the new year of year and we have a special offer package for those whp are in dire need of monies to sort our their bills and immediate expenses for this new year as this package is specially designed at an affordable interest rate of %2.5 percent in order to favor all those who are looking to get an affordable but a guaranteed loan this season as we are transparent enough to finalize and grant this loan to you within 48 processing working hours from your application time .

    We have various kinds of loan offer programs which ranges from Business loan service, . Agricultural product loans , Building loans, Developmental loans , .Health care loans , Debt consolidation loans , Bills clearance loans , General Business/Merchant loan,Military Personnel loan. ,Estate developmental loan.,Property loan. ,Educational loan.,Family loan , Personal loan Or Group loan ,Unsecured
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    WEBSITE : www.ameirmiller.com


    Warm Regards,

    Pastor Mrs Ameir Miller
    Director of General Operations .

    ReplyDelete


  83. HAPPY NEW YEAR 2018 TO YOU ALL OUR ESTEMMED CLIENTS FROM ALL OVER THE GLOBE !!!!

    WE AT THE AMEIR MILLER LOAN AGENCY WISHES YOU A HAPPY NEW YEAR AND A PROSPEROUS 2018 .

    DO YOU NEED AN URGENT LOAN FROM A LEGIT LOAN AGENCY WITH NO UPFRONT FEE FOR THIS NEW YEAR ?HAVE YOU BEEN SCAMMED BEFORE BY VARIOUS FAKE ONLINE LENDERS? DO YOU NEED A LENDER WITH THE FEAR OF GOD AND ACCURATE EXPERTISE TO HANDLE YOUR FINANCIAL WORRIES ? IF YES , YOUR ANSWER COMES NOW !


    This is the beggining of the new year of year and we have a special offer package for those whp are in dire need of monies to sort our their bills and immediate expenses for this new year as this package is specially designed at an affordable interest rate of %2.5 percent in order to favor all those who are looking to get an affordable but a guaranteed loan this season as we are transparent enough to finalize and grant this loan to you within 48 processing working hours from your application time .

    We have various kinds of loan offer programs which ranges from Business loan service, . Agricultural product loans , Building loans, Developmental loans , .Health care loans , Debt consolidation loans , Bills clearance loans , General Business/Merchant loan,Military Personnel loan. ,Estate developmental loan.,Property loan. ,Educational loan.,Family loan , Personal loan Or Group loan ,Unsecured
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    WEBSITE : www.ameirmiller.com


    Warm Regards,

    Pastor Mrs Ameir Miller
    Director of General Operations .

    ReplyDelete


  84. HAPPY NEW YEAR 2018 TO YOU ALL OUR ESTEMMED CLIENTS FROM ALL OVER THE GLOBE !!!!

    WE AT THE AMEIR MILLER LOAN AGENCY WISHES YOU A HAPPY NEW YEAR AND A PROSPEROUS 2018 .

    DO YOU NEED AN URGENT LOAN FROM A LEGIT LOAN AGENCY WITH NO UPFRONT FEE FOR THIS NEW YEAR ?HAVE YOU BEEN SCAMMED BEFORE BY VARIOUS FAKE ONLINE LENDERS? DO YOU NEED A LENDER WITH THE FEAR OF GOD AND ACCURATE EXPERTISE TO HANDLE YOUR FINANCIAL WORRIES ? IF YES , YOUR ANSWER COMES NOW !


    This is the beggining of the new year of year and we have a special offer package for those whp are in dire need of monies to sort our their bills and immediate expenses for this new year as this package is specially designed at an affordable interest rate of %2.5 percent in order to favor all those who are looking to get an affordable but a guaranteed loan this season as we are transparent enough to finalize and grant this loan to you within 48 processing working hours from your application time .

    We have various kinds of loan offer programs which ranges from Business loan service, . Agricultural product loans , Building loans, Developmental loans , .Health care loans , Debt consolidation loans , Bills clearance loans , General Business/Merchant loan,Military Personnel loan. ,Estate developmental loan.,Property loan. ,Educational loan.,Family loan , Personal loan Or Group loan ,Unsecured
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    WEBSITE : www.ameirmiller.com


    Warm Regards,

    Pastor Mrs Ameir Miller
    Director of General Operations .

    ReplyDelete
  85. Do you need loan to pay your bills? Do you need Personal

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    :LOAN APPLICATION FORM:

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    ReplyDelete
  86. Attention!!!

    i am Mr Rex Kozak Charles , a legitimate private loan lender,Do you need a
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    Mr Rex Kozak
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    ReplyDelete
  87. Loan Offer
    We are a private finance group and offer loans up to R 5,000,000 at annual rates of 3%. Here are the areas we support:
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    ReplyDelete
  88. How My Credit Score Was Restored

    My name is Rossana Bashford from Bonita Springs, Florida. I want to express my heartfelt gratitude to UNAMAY LOAN FINANCE LTD for helping me restore my credit score and my dying business by granting me a loan of $59,000 on the 22th of January 2018, after being turned down by my bank and other financial agencies I visited. I recommend everyone out there in need of financial assistance in other not to fall into the wrong hands while searching of a liable loan to contact this company via email: unamayloanfinance@outlook.com or unamayloanfinanceltd@financier.com and contact number: +1(850)846-6675. God bless you all.

    ReplyDelete
  89. Are you looking for financial freedom? are you in debt, you need a loan to start a new business? or you collapse financially, you need a loan to buy a car or a house? Do you refuse finance from your bank in forever? You want to improve your financial? You need a loan your bills are paying off? Search no more, we welcome you for an opportunity to all types of loans you get at a very affordable interest rates of 3% need for more information, contact us now to us via email: socialfinancelimited11@gmail.com

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  94. How My Credit Score Was Restored

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  96. MOORE LOANS SAVE ME WHEN THERE WAS NO HOPE {mooreloancompany@yahoo.com}

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  97. May I introduce you to Evergreen Loan & Investments Group. Evergreen Loan & Investments Group is a company into pure loan and debt financing of project(s) i.e. oil and gas, real estate, renewable energy, Health Care, transportation, construction, hotels and etc. We can finance up to the amount of 500,000.000 USD in any region of the world as long as our ROI can be guaranteed on the projects. If Interested in loaning from us Contact evergreencompany58@gmail.com today.

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    ReplyDelete
  98. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?

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    ReplyDelete
  99. May I introduce you to Evergreen Loan & Investments Group. Evergreen Loan & Investments Group is a company into pure loan and debt financing of project(s) i.e. oil and gas, real estate, renewable energy, Health Care, transportation, construction, hotels and etc. We can finance up to the amount of 500,000.000 USD in any region of the world as long as our ROI can be guaranteed on the projects. If Interested in loaning from us Contact evergreencompany58@gmail.com today.
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    Chloe Ray
    Evergreen Loan & Investments Group.

    ReplyDelete
  100. May I introduce you to Evergreen Loan & Investments Group. Evergreen Loan & Investments Group is a company into pure loan and debt financing of project(s) i.e. oil and gas, real estate, renewable energy, Health Care, transportation, construction, hotels and etc. We can finance up to the amount of 500,000.000 USD in any region of the world as long as our ROI can be guaranteed on the projects. If Interested in loaning from us Contact evergreencompany58@gmail.com today.
    Rgards,
    Chloe Ray
    Evergreen Loan & Investments Group.

    ReplyDelete
  101. Are you looking for financial freedom? are you in debt, you need a loan to start a new business? or you collapse financially, you need a loan to buy a car or a house? Do you refuse finance from your bank in forever? You want to improve your financial? You need a loan your bills are paying off? Search no more, we welcome you for an opportunity to all types of loans you get at a very affordable interest rates of 3% need for more information, contact us now to us via email:socialfinancelimited11@gmail.com



    ReplyDelete
  102. Hello Everyone

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    Omar Newman

    ReplyDelete
  103. Hello Do You Need An Urgent Loan? Are You Financially down ? Do you need a loan to pay off your bills or buy a home Or Increase your Business ? Apply for a loan now at a very low interest rate of 2%, and get approved. We can finance up to the amount of $50,000,000.00 (fifty million USD). for a long period of one to five years loan repayment schedule, Contact us for your instant loan process today. @ Email.. highclassloanfund@gmail.com

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  104. I'm so glad MRS ISABELLA HENRIETTA offers business and personal loans,I got my loan of €25,500 from her and I was so happy when I got credited.
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  105. 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 Mr Barry Moore, Sharon Coolidge referred you to them. Email (barrymoreloans12@gmail.com)

    ReplyDelete
  106. 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 Mr Barry Moore, Sharon Coolidge referred you to them. Email (barrymoreloans12@gmail.com) or you can text on this number +19725345446

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

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  108. ​​Are you seeking for a private lender? Do you need loan urgently? Do you have a bad credit? I can help you secure a loan with interest rate as low as 2%. 100% funding with minimum documentation.Our loan company is willing to provide all kinds of loans of your choice as long as you can pay ​back.​ We do not require any ​form o​​f collateral. Our loan interest rate is flexible because we give our loan funds at an ​interest rate of 2​​%​​. ​​We are a reliable loan lender and we assure you that if you follow our ​step​​-by-​​​step ​​procedure you will get your loan approved and transferred to you.​​ Kindly get back to me through our mail: {lendersuccess@gmail.com} if you are interested in getting a loan so i can give you more information about our loan terms and conditions

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  111. Hello Everybody,
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    ReplyDelete
  112. WELCOME TO BETTERMENT FUNDINGS {bettermentfunding@gmail.com}

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  113. Do you need a loan .We are Legitimate and guarantee loan lender. We are a company with financial assistance. We loan funds out to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills, to invest on business. I want to use this medium to inform you that we render reliable beneficiary assistance as We'll be glad to offer you a loan Contact us via Email: davis_credit100@yahoo.com


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    ReplyDelete
  114. My name is jeff from United States. I want to thank Ludmila Szmanowicz who helped me to get a loan. For the past three months, I have been searching for a loan to settle my debts, everyone tried to dupe me of my money until I finally met jasmin noor. shee was able to give me a loan of $65,000 USD. He can also help you. she has also helped some other colleagues of mine. If you need any financial help, kindly contact her company through email (ludmilaszmanowiczloancompaby@gmail.com ) I believe he can help you. Contact her to get help just as she helped me. below are her words of encouragement to those seeking for a legit and honest private loan lender.

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  115. My name is Chan from United States. I want to thank Jasmin Noor Loan Company who helped me get a loan. For the past three months, I have been searching for a loan to settle my debts, everyone tried to dupe me of money until I finally met Jasmin Noor Loan Company. I was able to give a loan of $ 200,000 USD. I can also help you. I have also helped some other colleagues of mine. If you need any financial help, kindly contact his company through email (jasminnoorloancompany01@gmail.com) https://www.jasminnoorloancompany.com/ I believe he can help you. Contact him to get help. Below are his words of encouragement to those seeking a legit and honest private loan lender

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  116. Do you need a loan to start up business or to pay your bills and a corporate financial for real estate and any kinds of business financing. ( Leonard peterson Loans ) We also offer Loans to individuals,Firms and corporate bodies at 3% interest rate. We give out loan to serious minded people that are interested of loan if interested contact this email: leonardpcashloan@gmail.com

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  117. Do You Need a Loan? Are you in Urgent Need of funds? Then we are here to help
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  118. Do you need a loan to start up business or to pay your bills and a corporate financial for real estate and any kinds of business financing. ( Leonard peterson Loans ) We also offer Loans to individuals,Firms and corporate bodies at 3% interest rate. We give out loan to serious minded people that are interested of loan if interested contact this email: leonardpcashloan@gmail.com

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  120. Hello Every one,

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  121. Have you been looking for a Legit loan lender? You need an urgent loan or business loan? You refused a loan from your bank or any Financial firm? We offer private, commercial and personal loans with very low annual interest rates as low as 3% within one year to 25 years repayment and nowhere else in the world. We offer loans of any amount 5000 TO 5,000,000 (£,€ or $) .Our loans are well insured for maximum security is our priority Emails us (pastorgodtimeloanfirm6@gmail.com}.

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  122. Hello everyone am here to testify how i got my loan from prestigefinancefirm@yahoo.com after i applied several times from various loan lenders who claimed to also testify right in this forum, i thought the testimonies where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan. Until a friend of mine introduced me to prestige finance firm. They promised to help me and indeed the did as promised without any form of delay. I never thought there are still reliable true loan lenders like prestigefinancefirm@yahoo.com that helped me with the loan and changed my belief. I don’t know if you are in any way in need of a genuine and urgent loan,free feel to contact: Prestigefinancefirm@yahoo.com

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  123. Dear Sir/Ma

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    ReplyDelete
  125. How I got a loan to start up my own business

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    ReplyDelete
  126. My name is Williams Pascal , I have been 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 (OSCAR WHITE). 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.He 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 $4500. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $28000 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. blank Atm has really change my life. If you want to contact him, Here is the email address oscarwhitehackersworld@gmail.com And I believe he will also Change your Life....

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  127. Hello All

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  128. We Offer Private, Commercial and Personal Loans with very Minimal annual Interest Rates as Low as 3% within a 1year to 50 years repayment duration period to any part of the world. We give out loans within the range of $5,000.00US Dollars to $50,000,000.00 US Dollars.

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  129. Apply for a loan today with your loan amount and duration, Its Easy and fast to get @ 4% interest rates and monthly installment payments certified private Loan company approved by the Government.

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  130. We Offer Private, Commercial and Personal Loans with very Minimal annual Interest Rates as Low as 3% within a 1year to 50 years repayment duration period to any part of the world. We give out loans within the range of $5,000.00US Dollars to $50,000,000.00 US Dollars.

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  131. How I got a loan to start up my own business

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  132. How My Credit Score Was Restored My name is KETESHA FRANK from Florida, I want to express my heartfelt gratitude to JOHN LOAN FIRM for helping me restore my credit score and my dying business by granting me a mortgage of $50,000 after being turned down by my bank and other financial agencies I visited. I recommend everyone out there in need of financial assistance in other not to fall into the wrong hands while searching of a liable mortgage to contact this company via email: johnloanfirm2@gmail.com God bless you all.

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  134. Welcome to Joy Fredickson loan Organization, we are formed to help people in needs of helps, such as financial help. So if you are going through financial difficulty or you are in any financial mess, and you need funds to start up your own business or you need loan to settle your debt or pay off your bills, start a nice business, or you are finding it hard to obtain capital loan from local banks, contact us today via email: joyfredickson55@yahoo.com or WhatsApp us +2348078800681

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  136. How I restore my credit score

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  137. How I restore my credit score

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  139. I am Maria from Texas. I was stuck in a financial situation in May 2016 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Godly woman a private loan lender who gave me a loan of 620,000 EURO and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 3% interest rate and better repayment plans and schedule, please contact jasmin noor Loan Company (jasminnoorloancompany01@gmail.com).

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  141. LOAN OPPORTUNITY

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  142. How I restore my credit score

    Hello everyone! my name is Laurel Dawalt from Wisconsin, I am writing this article to tell the world on how Jennard Investments Limited restored my credit score by granting me a loan amount of $34,000. and I have taken it upon myself to notify the general public and say a big thank you to Mr John Martin Dyson, because through his help my credit score is restore and I am happy because for the past 3 year I have been having a very bad credit but completely restored now. I advise you all in need of a loan to contact them via email: jennardinvestmentslimited@outlook.com.

    ReplyDelete