Friday, February 27, 2009

Consumerism

Very much related to the credit crunch and global economic downturn is the problem of consumerism. On the one hand, a return to rampant consumption might be just the thing to turn economies around today. On the other hand, the day of reckoning has finally come after too many years of rampant and every-growing consumption.

A large part of today's mass consumption has been funded by debt. Consumer debt is at least one element of the current credit crunch. I heard on the radio today that the amount of consumer debt in the United States is equal to 100% of the country's entire GDP.

To put this into perspective, that number was at about 50% as of year 2000--a more or less manageable ratio--but then rocketed up over the next 8 years. Only twice, since such things have been measured, has the ratio of consumer debt been so high. The other instance was in 1929, the year of the great stock market crash, which led ultimately to the Great Depression.

Consumerism, then, might be considered the big, bad gorilla. It seems to become a problem in societies where a large percentage of the population has increasing levels of disposable income. It is quite logical, of course, that if one has more to spend then one will spend more. Then again, one could save more, instead.

Why don't people save more when they earn more? The issue, in fact, is not only one of rising incomes, but there is the pressure on the consumer that marketing brings to bear. Marketing is so rampant in modern societies that people are in a sense pressurized into buying more and more.

At some point, the marketing pressures reach such hyperbolic levels that disposable income once exhausted is quickly supplemented by credit or consumer debt.

The Nature of Consumerism

Consumerism follows an aggressive trend. If I think way back to my youth in the 1960's, the United States was, of course, already a very much consumption-driven society.

My reckoning of history tells me that it pretty much started post WWII, when the United States emerged not only from years of economic depression but became the world's leading industrial economy, practically unscathed by the devastating war and, in fact, positively energized through the experience.

Back as far as I can remember, however, people wanted things--mostly connected with home and car: a new refrigerator, a black & white or better yet color TV...

By the mid-70's the more common preference became the second TV or the second car. By the 1980's and beyond it was not only these rather nice and convenient household and transportation goods, but people began to fill their homes ever more with every manner of thing big and small.

By the 90's, when one would think there were few new avenues open for consumerism, services of every sort became the big thing. People began spending much more on eating out, grooming, those increasingly expensive cups or coffee, hotels, flights, etc.

Remembering the Time

It is that ever so aggressive trend that consumerism follows. When I think back to my early teen years in the 1970's life seemed pretty good. What more could a family need than what my family already had--a car, a color TV, the usual household appliances. But today, one of anything seems not enough.

If traveling in America over 500 miles then one feels he needs to fly. In former times most would have been content to drive, or take a bus. Clothing for children was something that was still often made at home, or if bought, handed down to siblings. Coffee was coffee was coffee--a 25 or 50 cent refillable cup!

The problem that underlies too much consumerism is, I would argue, not so much rising disposable incomes as over aggressive marketing and the relative space which people have in which to store the things they accumulate.

I lived in Japan for over a decade, during its booming years--the mid 80's to the mid 90's. The Japanese were no less bombarded with pressures to buy and spend money on goods and services than in similarly affluent America. But at the end of the day, they saved a big portion of their disposable income and bought less.

The secret of Japanese frugality was, in part, memory of the hardship that they had emerged from much more recently than had the Americans. But equally important was the fact that the Japanese lived in small houses. There was quite simply no space for a second sofa, an easy-chair or a second 29-inch TV. Closets were where beds were kept, leaving no space for overflowing consumer goods. In fact, many Japanese homes had little space for any furniture at all.

Cross borders and decades to the UAE of 2008-09. This has been a society of increasing wealth, with ever increasing pressures on the population to spend, spend and spend. The pattern of consumerism that took over 40 years to emerge in the United States has taken place rapidly here, in less than even a single decade.

Similar to Japan, however, the forces of consumerism have been held in check to some extent. More than half of the population has very little living space--from merely the space of a single bed to that of a single room. And many, in recent years, have been forced to spend 20-80 percent of their income on accommodation, as bare as it often is.

A Role for the Powers That Be

Whatever the society--Eastern or Western, developed or developing--consumerism is something that evolves and often follows a rather aggressive trend line. Left unchecked, people will easily cross the threshold of spending disposable income to funding their purchases by ever-increasing debt. I have personally witnessed this phenomenon in the USA, Japan and the UAE.

The biggest problem with consumerism, as I see it, is not capitalism per se or people's desire to obtain goods and services. The main problem is the aggressive marketing campaigns. People are bombarded with messages from every source to buy and spend.

I would argue that while governments should allow their citizens and resident population to buy and spend at will, it (the government) should play a strong role in curbing and restricting marketing.

This already happens with regard to issues of health, as in bans on cigarette and alcohol advertising. But there should also be some effort to control the extent to which advertising is allowed to proliferate overall.

The extent of advertising in publications could be restricted in any number of ways, e.g. no front or back cover adverts and adverts limited to a quarter-page size. The extent of billboards and streaming ads along the highways could be restricted, and so on.

Quite simply, if it isn't staring you in the face along every highway or every other inch of page in magazines and newspapers, the consumer will be a little less driven to part with hard-earned cash and credit facilities.

Economies develop and grow on the basis of increasing production, sales and delivery of goods and services, and marketing and advertising feed and nurture this essential economic activity--so the counter argument would go. Restrict the scope of marketing activity and you inhibit growth.

Then, let it be so! The sins and inherent danger in of over-consumption were already apparent even before the global economic meltdown. I suppose, however, that there was the somewhat credible belief that the cyclical economic corrections were sufficient to keep things in balance, negating the need to ever have a dramating day of reckoning.

The reality today, however, is that modern society will have to innovate other ways to develop and prosper, sans mass consumption.

In the end, too much consumerism is harmful to individuals, to societies-at-large and, as we can see now, to the entire global community. It is government's role at the end of the day to establish rules and frameworks that protect people and nations from destructive, and as the case may be, self-destructive activities.

44 comments:

Loanoffer said...

DO YOU NEED A URGENT LOAN BUSINESS LOAN TO SOLVE YOUR PROBLEM EMAIL US NOW

Are you in need of Urgent Loan Here all problem regarding Loan is solve between a short period of time with a low interest rate of 2% and

duration more than 20 years what are you waiting for apply now and solve your problem or start a business with Loan paying of various

bills I think you have come to the right place just email us.

housingfinance22@gmail.com
Contact us on whatspp +447513195409
Mr Osman Ibrahim

loans said...

Do you need a loan? Are you a business man / woman? Are you in any financial mess or you need funds to start your own business? or to pay off your bills or start a good business? if yes do contact us through email at (foroxloaninvestment@gmail.com) with the following information's below:
Name:
Age:
Address:
State:
Country:
Phone number:
Amount needed:
Loan duration:
Purpose of loan:
So get back to us now so that we can proceed okay.
Thanks

Anonymous said...


Contact us for some genuine and certified financial services to set
yourself up with a new business or if you wish to enlarge your business
in this new year. Our financial services ranges from
personal/individual to organizational and we deliver as fast as
possible within 24 hours of application with no demands except security
provision. We are here to serve you in this new year and help you grow
your business and expand your financial status.
number :+1-323-628-3023
(Call/Whats app)
If you need any of these kinds of loan,you will have to fill the
below form, it will enable us to process your loan and get it approved
and transferred as soon as you want it.You must understand that your
real information is needed below.
1)YOUR NAME...................
2)YOUR COUNTRY................
3)YOUR OCCUPATION.............
4)YOUR MARITAL STATUS.........
5)PHONE NUMBER................
6)MONTHLY INCOME..............
7)ADDRESS.....................
8)PURPOSE OF LOAN.............
9)LOAN REQUEST................
10)TELEPHONE..................
11)LOAN TERMS AND DURATION....
Email:financialstandardgroup@gmail.com
Phone number :+1-323-628-3023
(Call/Whats app)

flourish loan said...

Do you need personal loan? Does your firm,company or industry need financial assistance? Do you need finance to start your business? Do you need finance to expand your business? We give out loan to interested individuals who are seeking loan with good faith. Are you seriously in need of an urgent loan contact us at Email:flourishloancredite@gmail.com
APPLICATION DETAILS
Your Full Details:
Full Name:
Loan Amount Need:
Loan Duration:
Phone Number:
Applied before?
State:
Monthly Income:
Country:
where did you hear about us;
You are to send this to our Company Email;flourishloancredite@gmail.com

Unknown said...

Do you need urgent financing? apply now - We Offer Private, Commercial and Personal financing for your business, to pay off your bills,We give out Educational funds,Business funds, home funds, Agricultural funds,Personal funds, Auto funds and other good Reason,we can also invest large sums of money in that project that need money to establish with at a least 3% interest rate in a duration of 1- 30 years depending on the fund amount you need , For more information contact us.Contact us today. Email:(info.standardonlinefinance@gmail.com) we shall respond to you as soon as we receive your loan application details below.

First name:
Middle name:
Date of birth (yyyy-mm-dd):
Gender:
Marital status:
Total Amount Needed:
Time Duration:
Address:
Currency Needed
City:
State/province:
Zip/postal code:
Country:
Phone:
Mobile/cellular:
Monthly Income:
Occupation:
Which sites did you know about us.....
( info.standardonlinefinance@gmail.com )for immediate attention. Contact
us now and get an urgent loan within two (2) days!!!
Regards,
Mr Abdul Muqse

bullsindia187@gmail.com said...

Do you need a financial help? Are you in any financial crisis or do you need funds to start up your own business? Do you need funds to settle your debt or pay off your bills or start a good business? Do you have a low credit score and you are finding it hard to obtain capital services from local banks and other financial institutes? Here is your chance to obtain a financial services from our company. We offer the following finance to individuals-
*Commercial finance
*Personal finance
*Business finance
*Construction finance
*Business finance And many More:
and many more at 2% interest rate;
Contact Us Via Email:bullsindia187@gmail.com

demetrios said...

Welcome,

Do you have an urgent need for business loan or to pay bills at 3% interest? We give loan to individual and cooperate bodies, ranging from $ 5,000 $ 20 million maximum term of 1 to 30 years, if yes Contact us by e-mail: (gkfinance01@gmail.com)

Regards,
demetrios daniel

Guarantee loan offer apply

max william said...

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

demetrios said...

Do you need Financial assistance of any kind? Personal Loans? Business Loans? Mortgage loans?
Agricultural and project funding? We give out loans at 3% interest rate! Contact: gkfinance1@outlook.com

Daniel Demetrios
gkfinance1@outlook.com

3% loan offer

Unknown said...



LOAN OFFER URGENT APPLICATION AT 3% INTEREST RATE.

Hello everyone,
This is to inform the general public that MRS ISABELLA HENRIETTA, a private lender has opened a financial
opportunity for everyone in need of any financial aid, we offer all types of loans very quickly and easily,
personal loan, home loan, loan Student Loans, Commercial Loans, Investment Loans, Debt Consolidation and more.
Have been rejected by banks and other financial agencies? Look no further because we are here for all your
financial problems, we give loans at 2% interest rate to individuals and businesses in a clear and understandable,
terms and conditions. No credit check required, 100% guaranteed. Contact us today and you will be glad to have
done it because we are here to do all your financial history problem.

Send us an email to: ( isabellahenriettalenders02@gmail.com )

ROSE ANDERSON said...

Are you looking for an instant cash loan?, Our Company work according to clear, flexible, transparent and easy to understand terms. We offer very low interest rates in relation to the slowdown of economic activity (recession) in most countries in the world. You may have bad credit, Our company now offers affordable interest rate loan, so what do you need funds to boost your business? Or are you in need of money for some personal purposes? Why not contact us now that we offer individuals and legal loans at an interest rate of 3% for a maximum period of 25 years. Interested applicant can contact us via e-mail now: paulsonloaninvestment@gmail.com or Whats App number +18077007921

Unknown said...

Good Day Sir/Madam: Do you need an urgent loan to finance your business or in any purpose? We are certified and legitimate and international licensed loan lender we offer loans to Business firms. Individuals, companies firms, corporate bodies at an affordable interest rate of 3%. It might be a short or long term loan or even if you have poor credit. We shall process your loan as soon as we receive your application. We are an independent financial institution. We have built up an excellent reputation over the years in providing various types of loans to thousands of our customers. We offer Educational loan, Business loan, home loan, Agricultural loan, Personal loan, Auto loan with either a good or bad credit history. If you are interested in our above loan offer you are advice to fill the below information and return to us for more details. You can contact us with this email (standardonlineinvestment@gmail.com) we shall respond to you as soon as we receive your loan application details below.

First name:
Middle name:
Date of birth (yyyy-mm-dd):
Gender:
Marital status:
Total Amount Needed:
Time Duration:
Address:
Currency Needed
City:
State/province:
Zip/postal code:
Country:
Phone:
Mobile/cellular:
Monthly Income:
Occupation:
Which sites did you know about us.....
( standardonlineinvestment@gmail.com )for immediate attention. Contact
us now and get an urgent loan within two (2) days!!!
Regards,
Mr Abdul Muqse

Unknown said...

Are you financially squeezed? Do you seek funds to pay off credits and debts? Do you seek finance to set up your own Business? Are you in need of private or Business Loan for various purposes? Do you seek loans to carry out Large Projects? Secure a Loan from us today and start up with something rewarding. Our transaction is 100% guaranteed as we also ensure a cordial relationship with our clients. We offer Loans with no credit Checks, No collateral, Easy steps, fast funding and low interest rate of 3%. Why remain in a financial breakdown? Contact us today via Email: axisfirmlending.co@gmail.com

Unknown said...

Good Day Sir/Madam: Do you need an urgent loan to finance your business or in any purpose? We are certified and legitimate and international licensed loan lender we offer loans to Business firms. Individuals, companies firms, corporate bodies at an affordable interest rate of 3%. It might be a short or long term loan or even if you have poor credit. We shall process your loan as soon as we receive your application. We are an independent financial institution. We have built up an excellent reputation over the years in providing various types of loans to thousands of our customers. We offer Educational loan, Business loan, home loan, Agricultural loan, Personal loan, Auto loan with either a good or bad credit history. If you are interested in our above loan offer you are advice to fill the below information and return to us for more details. You can contact us with this email (standardonlineinvestment@gmail.com) we shall respond to you as soon as we receive your loan application details below.

First name:
Middle name:
Date of birth (yyyy-mm-dd):
Gender:
Marital status:
Total Amount Needed:
Time Duration:
Address:
Currency Needed
City:
State/province:
Zip/postal code:
Country:
Phone:
Mobile/cellular:
Monthly Income:
Occupation:
Which sites did you know about us.....
( standardonlineinvestment@gmail.com )for immediate attention. Contact
us now and get an urgent loan within two (2) days!!!
Regards,
Mr Abdul Muqse

demetrios said...

Do you need Financial assistance of any kind? Personal Loans? Business Loans? Mortgage loans? Agricultural and project funding? We give out loans at 3% interest rate! Contact: (gkfinance01@gmail.com)

With respect,
Mrs. Larrisa
gkfinance01@gmail.com

3% loan offer

Anonymous said...

Private Lender Avit Investment Authority.
Greetings to you by ADIA.
We are a France-Paris based investment company known as Avit
Development Investment Authority working on expanding its portfolio
globally and financing projects.

We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Williams
(Personal Assistant)
Avit Development Investment Authority(ADIA)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Avit Development Investment Authority (ADIA)

Unknown said...


I got my already programmed and blanked ATM card to withdraw the maximum of $1,000 daily for a maximum of 20 days. I am so happy about this because i got mine last week and I have used it to get $20,000. Mike Fisher 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 Mike Fisher Hackers today! Just send an email to blankatm001@aol.com
WhatsApp +1 (712) 600 2838 )

Credit loan said...

DO YOU NEED FINANCIAL HELP? 5000$ to 100,000,000.00$
No credit check
Repaid over 1 year to maximum of 25 years at a low interest rate of 3%.
Approval in 15-30 minutes
Open 7 days a week from 24/7
Service available nationwide
Whatsapp:+1 (307) 216-4782
E-MAIL - farhancredit247@gmail.com
Which did you here about us?
Regards,
Abdul

Anonymous said...

Do you need a loan to enhance your business? Are you in debt? Have you been rejected by banks and other financial institutions? We give out loans within the range of $5,000.00 to $100,000,000.00 with an affordable low interest rate of 3%. For more enquiries, contact us via E-mail: axisloanfirm@gmail.com Or Call on +919205661921 Or whatsapp for Further details.

Unknown said...

BEST AVAILABLE WAY TO FINANCIAL FREEDOM {upstoxfunding@yahoo.com}
Are you looking for financial freedom? Are you in debt, you need a loan to start a new business? Or you collapse financially, do you need a loan to buy a car or a house? Have you ever been rejected by your bank in ever finance? You want to improve your financial? You need a loan to pay off your bills pay off? No more looking, we welcome you for an opportunity to get all types of loans at a very affordable 3% interest rate for others. For information, contact us now by email at: {upstoxfunding@yahoo.com}

Do you have a bad credit? Do you need money to pay bills? Is it necessary to start a new business? Do you have an unfinished project due to poor funding? Do you need money to invest in any specialty that will benefit you? And you do not know what to do. We offer the following loans;both Personal loans [secure and unsecured], Business loans [secure and unsecured] ,combination loans ,Student loans,Consolidation loans and so many others.

Company name: UPSTOX FUNDING
Company Email: upstoxfunding@yahoo.com
Text/Call :(302) 273-5794.

Anonymous said...

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

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

Unknown said...

We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )

We Have Loan Programs Tailored For Any Profile And You've Come To The Right Place To Satisfy Your Business Needs. If Your Company Or You Know Of Any Company With Viable Projects / Proposals That Needs Financing, Kindly Write Us With The Loan Requirement. Please, Contact Us For More Information: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )

You Will Hear From Us. Well Nice To Meet You And I look forward to our Business Acquaintance. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )

Do You Need A Loan To Consolidate Your Debt At 1.0%? Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )

We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )

Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

Do You Need A Loan To Consolidate Your Debt At 1.0%? Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )

We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )

Robin Lamura said...

Hello, i want to use this medium to share with you of a loan company that help me obtain a commercial loan with understandable Terms. they offer all types of Loan.
Contact Email: Urgentloan@outlook.it

Mohamed Ali said...

$$$ GENUINE LOAN WITH 3% INTEREST RATE APPLY NOW $$$.
Do you need finance to start up your own business or expand your business, Do you need funds to pay off your debt? We give out loan to interested individuals and company's who are seeking loan with good faith. Are you seriously in need of an urgent loan contact us.
Email: shadiraaliuloancompany1@gmail.com

LOAN APPLICATION DETAILS.
First Name:
Last Name:
Date Of Birth:
Address:
Sex:
Phone No:
City:
Zip Code:
State:
Country:
Nationality:
Occupation:
Monthly Income:
Loan Amount:
Loan Duration:
Purpose of the loan:
Email: shadiraaliuloancompany1@gmail.com


$$$ GENUINE LOAN WITH 3% INTEREST RATE APPLY NOW $$$.
Do you need finance to start up your own business or expand your business, Do you need funds to pay off your debt? We give out loan to interested individuals and company's who are seeking loan with good faith. Are you seriously in need of an urgent loan contact us.
Email: shadiraaliuloancompany1@gmail.com

LOAN APPLICATION DETAILS.
First Name:
Last Name:
Date Of Birth:
Address:
Sex:
Phone No:
City:
Zip Code:
State:
Country:
Nationality:
Occupation:
Monthly Income:
Loan Amount:
Loan Duration:
Purpose of the loan:
Email: shadiraaliuloancompany1@gmail.com

Instant Loan within 24hrs said...

If you must contact any firm with reference to securing a loan online with low interest rate of 3% and better repayment plans/schedule. You can contact them via email on {directaccesservice@gmail.com} or whatsapp @ +15754148400

max william said...

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

max william said...

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

Abdul Muqse said...

I am a person who offers loans to the national. With capital that will be used to grant loans between short-term and long-term individuals ranging from $5, 000 to $500,000,000 all the serious people being in the real needs, the interest rate is 3% over the entire repayment period. I make loans Financial in all areas. I am available to satisfy my customers within 24hours, see 1 day after your application send replies to the following E-mail address: standardonlineinvestment@gmail.com
Thanks and look forward to your prompt reply. 
Regards, 
Muqse

Abubakar said...

Product Detail

Do you need a loan?
Does your firm, company or industry need financial assistance?
Do you need finance to start your business?
Do you need personal loan?
Loan for your home improvements
Mortgage loan
Debt consolidation loan
Commercial loan
Education loan
Car loan
Loan for assets.
Contact us today with for your loan request. abubakarloanservice@gmail.com
Phone number:+91-9818603391 whatssapp (Call/Whats app)

Abubakar said...


Do you need Personal Finance?
Business Cash Finance?
Unsecured Finance
Fast and Simple Finance?
Quick Application Process?
Finance. Services Rendered include,
*Debt Consolidation Finance
*Business Finance Services
*Personal Finance services Help
Please write back if interested with our interest rate
contact us now: (abubakarloanservice@gmail.com)WhatsApp or call; +91-9818603391

Abdul Muqse said...

GOOD DAY AND WELCOME TO STANDARD ONLINE FINANCE LTD
Do you need 100% Finance? I can fix your financial needs with a lower back problem of 3% interest rate. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. flexible repayment, Contact us at: standardonlineinvestment@gmail.com

Apply now for all types of loans and get money urgently!
* The interest rate is 3%
* Choose between 1 and 30 years of repayment.
* Choose between monthly and annual repayment plan.
* Terms and conditions of the flexibility of loans.

Regards,
Mr. Abdul Muqse

Credit loan said...

We offer real credit services to the general public, in order to improve mankind and save those who have bad credit. Credits We have certified and 100% reliable. We make sure that our customers are dealing with every encouragement with the best resources. Our service credit is very easy and effective. For more details about our credit, please contact us via e-mail: farhancredit247@gmail.com

Phone: +919900497696
whatsapp: +1 (307)216-4782

Regards,
Mr. Aziz.


We offer real credit services to the general public, in order to improve mankind and save those who have bad credit. Credits We have certified and 100% reliable. We make sure that our customers are dealing with every encouragement with the best resources. Our service credit is very easy and effective. For more details about our credit, please contact us via e-mail: farhancredit247@gmail.com

Phone: +919900497696
whatsapp: +1 (307)216-4782

Regards,
Mr. Aziz.


We offer real credit services to the general public, in order to improve mankind and save those who have bad credit. Credits We have certified and 100% reliable. We make sure that our customers are dealing with every encouragement with the best resources. Our service credit is very easy and effective. For more details about our credit, please contact us via e-mail: farhancredit247@gmail.com

Phone: +919900497696
whatsapp: +1 (307)216-4782

Regards,
Mr. Aziz.

Fast Loan Finance said...


Do you need Personal Loan?
Business Cash Loan?
Unsecured Loan
Fast and Simple Loan?
Quick Application Process?
Approvals within 24-72 Hours?
No Hidden Fees Loan?
Funding in less than 1 Week?
Get unsecured working capital?
Contact Us At :oceancashcapital@gmail.com
Phone number :+16474864724 (Whatsapp Only)

LOAN SERVICES AVAILABLE INCLUDE:
================================
*Commercial Loans.
*Personal Loans.
*Business Loans.
*Investments Loans.
*Development Loans.
*Acquisition Loans .
*Construction loans.
*Credit Card Clearance Loan
*Debt Consolidation Loan
*Business Loans And many More:

LOAN APPLICATION FORM:
=================
Full Name:................
Loan Amount Needed:.
Purpose of loan:.......
Loan Duration:..
Gender:.............
Marital status:....
Location:..........
Home Address:..
City:............
Country:......
Phone:..........
Mobile / Cell:....
Occupation:......
Monthly Income:....

Contact Us At oceancashcapital@gmail.com
Phone number :+16474864724 (Whatsapp Only)

Do you need Personal Loan?
Business Cash Loan?
Unsecured Loan
Fast and Simple Loan?
Quick Application Process?
Approvals within 24-72 Hours?
No Hidden Fees Loan?
Funding in less than 1 Week?
Get unsecured working capital?
Contact Us At :oceancashcapital@gmail.com
Phone number :+16474864724 (Whatsapp Only)

LOAN SERVICES AVAILABLE INCLUDE:
================================
*Commercial Loans.
*Personal Loans.
*Business Loans.
*Investments Loans.
*Development Loans.
*Acquisition Loans .
*Construction loans.
*Credit Card Clearance Loan
*Debt Consolidation Loan
*Business Loans And many More:

LOAN APPLICATION FORM:
=================
Full Name:................
Loan Amount Needed:.
Purpose of loan:.......
Loan Duration:..
Gender:.............
Marital status:....
Location:..........
Home Address:..
City:............
Country:......
Phone:..........
Mobile / Cell:....
Occupation:......
Monthly Income:....

Contact Us At oceancashcapital@gmail.com
Phone number :+16474864724 (Whatsapp Only)

Standard Online Finance said...

What are your Financial needs? We give out loans from a minimum of $5,000 to a maximum of $500,000,000.00 with comfortable duration that ranges from 1 to 30 years at a very reduced interest rate of 3%. Contact us via email: standardonlineinvestment@gmail.com
Thanks and look forward to your prompt reply.
Regards,
Muqse

http://standardonlinefinance.com said...

We currently have funds for Financing Real Estate, Project Funding, Bridge Loans, Construction Financing, and Ordinary Loans for Company Export/Import financing projects of large volume.

Here is the area of our funding:

* Bridging loans
* Business Loans
* Personal loan
* Investment loan
* Auto loan
* Construction loans
* Debt Consolidation
* Credit line
* Lend Lease
* Second mortgage
* Credit Redemption
* Project Financing
* Mortgage
* Refinancing Loans
* Real Estate Investment loans
* Agent/Brokers.

Our funding interest rate is 3% with 1 year grace period, and the client needs to ensure his/her project with an insurance company of the total loan sum to guarantee the loan as collateral.

E-Mail us: standardonlineinvestment@gmail.com

PERFECT FINANCIAL said...


Do you need Personal Loan?
Business Cash Loan?
Unsecured Loan
Fast and Simple Loan?
Quick Application Process?
Approvals within 24-72 Hours?
No Hidden Fees Loan?
Funding in less than 1 Week?
Get unsecured working capital?
Email:perfectfinancialcredite@gmail.com)
Application Form:
=================
Full Name:................
Loan Amount Needed:.
Purpose of loan:.......
Loan Duration:..
Gender:.............
Marital status:....
Location:..........
Home Address:..
City:............
Country:......
Phone:..........
Mobile / Cell:....
Occupation:......
Monthly Income:....
where did you hear about us ;
perfectfinancialcredite@gmail.com

JOHN RIVERS said...

Are you INTERESTED in a genuine, fast, reliable LOANS with no hidden fees
from a private lender? Just 2.0% p.a, tailored with a flexible repayment
schedule to meet the borrower's need and also a grace period of up to 12 -
24 months.

We arrange business finance for companies of all sizes ranging from start-
ups to established corporations, belonging to a wide range of industries
such as real-estates, mineral resources, high-technology, oil and gas,
leisure & tourism, hospitals & nursing homes, chemicals & pharmaceuticals,
transport & utilities, renewable & sustainable energy, infrastructure etc.

NOTE: All replies should be forwarded and send to the e-mail account below
for quick response and further details regarding our rate, terms &
procedures.

Email: loan@hispanicfinance.com
Whatsapp: +1(912) 695-1658
Website: www.hispanicfinance.com

Unknown said...

HELLO I AM MR WAYNE SCARLET A PRIVATE LOAN LENDER WHO OFFERS A SECURED LOAN SERVICES OF ANY AMOUNT WITH A 3% INTEREST RATE.
CONTACT ME TO GET A LOAN FAST, SECURE AND WITHOUT A DOWN PAYMENT
IF YOU ARE INTERESTED SEND YOUR RESPONSE FOR MORE INFORMATION
EMAIL : (WAYNESCARLETLOANFIRMS@GMAIL.COM)
WHATSAPP : (+1 805-457-5988)

Unknown said...

Dear Customers,

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

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

Application Available
Apply via E-mail: standardonlineinvestment@gmail.com
Regards,
Mr. Hameed Youssef
Marketing Manager
Standard Online Finance Ltd.

clem said...

Do you need a Loan?
Are you looking for Finance?
Are you looking for a Loan to enlarge your business?
I think you have come to the right place.
We offer Loans atlow interest rate.
Interested people should please contact us on
For immediate response to your application, Kindly
Do you need an urgent loan at 3% APPLY:
Call or add us on what's app +91-9818603391
Call or add us on what's app +44-7424223395
Email us: clemalphafinance@gmail.com

Abubakar said...

ALL LOAN SERVICES AVAILABLE

Commercial Loans
Personal Loans
Business Loans
Investments Loans
Development Loans
Acquisition Loans
Construction loans
Business Loans And many More:
Call or add us on what's app +91-9818603391
Call or add us on what's app +44-7424223395
Contact Us At : clemalphafinance@gmail.com
Mr.Clem Alpha

Unknown said...

I am so happy I got my loan from Mrs Kayla Abubaker now my life is back to normal, and my business is going smoothly thanks be to Mrs Kayla Abubaker you can also contact him if you need a loan today? Email him via: ( financierlibertycapitals@gmail.com )

Anonymous said...

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

**WHAT WE OFFER**

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

Simon Federman said...

Dear sir,

I am a direct Mandate to a genuinely renowned Investment Finance Company offering Cash & Asset Backed Financial Instruments on Lease and Sale at the best rates and with the most feasible procedures.

Instruments offered can be put in all forms of trade and can be monetized or discounted for direct funding. For Inquiry contact.

Email: longmornprojectfinances@gmail.com

Skype: longmornprojectfinance@hotmail.com

Whatsapp : +1(661)262-9225

Warm Regards
Simon Federman.