Google+

Monday, April 15, 2013

The New Chicken Farmer

I received a copy of the report New Farmers and Alternative Markets in Supply Management System, sponsored by the Metcalf Foundation.  It was very interesting reading.

In Appendix 7, on page 57 they present the typical capital costs for a new broiler chicken farmer, with 52,000 quota units, with 6.5 production cycles per year, would produce a total of 633,000 kg of live weight chicken each year, as follows:



The assumptions used in these calculations are as follows:




The pro-forma income and expense sheet for the typical broiler chicken farmer is as follows:



To invest $4.6 million and to get back $138,964 in profit gives a return of 2.99%.  After depreciation and taxes, it's not much to show for a year's hard labour.

Alternatively, you could put your money into a government guaranteed GIC and get 2.85% from ICICI Bank Canada, with absolutely zero risk and zero work.

So if these numbers are correct, and I look forward to a real chicken farmer confirming these numbers, it doesn't make much sense to be a chicken farmer today.

The number of chicken farmers is dropping each year.  The average age of chicken farmers is rapidly increasing.  The small guy is being bought out by the large operators and the huge agri-corporations.  Soon there will only be 3 chicken producers if this keeps up.  That will be the end of CFO and the supply management system, because we will produce the 3 "too big to fail" chicken producers, and then those 3 will fail us at the moment of our greatest need.

The Evil Quota Costs

But wait a minute, that chicken quota is what skews the numbers.  The quota is 83.2% of the total capital cost.  Ouch!

Let's say you got the chicken quota for free.  In this case, your capital costs are only $780,000  Now the same $138,964 annual profit gives you a simple return on investment of 17.82%.

Now we're talking!

That 17.82% is worth investing for.  That is worth the hard work and the cold nights, especially when it's pretty close to guaranteed.  Just don't have a power failure, or Avian Flu, and everything will be OK.  If you do fall into these major disasters, you'd better have insurance.

As it has been recognized for some time in the egg and milk supply management system, having quota assigned a financial value causes all kinds of dysfunctional effects.

Here is another reason the current supply management system is broken, and needs to be changed soon.

The problem is, many chicken farmers paid huge for their quota.  Many still have a loan taken out to buy their quota, or have used the quota as collateral to back a loan, in spite of rules not permitting this.  Changes in the value of quota at this late date will hurt many a chicken farmer, possibly crushing them permanently.

What will we do?

51 comments:

  1. Is this an older cashflow, I was just wondering where the $74 per unit came from, I believe quota is trading for closer to $130 right now.

    ReplyDelete
    Replies
    1. infidelity in marriage is never a thing of joy, i was battling with infections in marriage , painful right. i'm not so ashamed to say this because i'll like this to serve as an eye opener to other young couples out there. my ex-husband was a university lecturer and was always involved with extra marital affairs. i found my self in and out of hospitals treating myself of STDs , i had to get an ethical hacker in Q U A D H A C K E D @ G M A I L . C O M, to help me clone his phone and social media platforms in Whatsapp and Facebook messenger . i was able to gather several proofs from the the hack he was able to help me with. i'm so thankful and appreciative. he makes me feel invincible going into any relationship now . knowing fully well i'll be sure of my spouses intention. reach them through there email describing your hack needs and exploits .
      ALSO, if you are in need of a legit hacker for DELETING OF BLEMISHES FROM CREDIT REPORT
      CREDIT SCORE INCREASE
      PHONE CLONE
      PHONE TAP, SPY
      HACK YOUR CHEATING SPOUSE TO FIND OUT WHAT THEY BEEN UP
      MORTGAGE LOAN LENDERS AND APPROVALS .
      EMAIL HACKS
      WHATSAPP, MESSENGER AND OTHER SOCIAL MEDIA APP
      DELETING OF CRIMINAL RECORD AND EVICTION HISTORY
      send a descriptive message to QUADHACKED@GMAIL.COM

      Delete
  2. Thanks for your inquiry.

    The report is dated June 2010, so it is only 3 years old.

    If current price of quota is $130 as you say, then this update makes my conclusions that much stronger and urgent.

    The supply management system is out of control; hurting new prospective farmers, Canadian consumers, and Canada.

    It's time we made changes for the better.

    ReplyDelete
    Replies
    1. I appreciate your research. Something I would like to see researched is the Export development program. It is discussed briefly on OMAFRA's website under how chicken is produced via the supply management system. No numbers are produced, probably a dirty little secret. From what I have heard, chicken is subsidized about 30cents a kilo for export. Of course, Canadian consumers are picking up this tab thanks to very high prices at the grocery store. Those are all the numbers I know at this time.

      Delete
    2. Thanks for your feedback. So far, I've seen many pageviews but few comments. It's always nice to get some feedback on the postings.

      I found this: http://www.omafra.gov.on.ca/english/farmproducts/factsheets/supply.htm#chicken

      It appears to be similar to what you mentioned. I have read the CFC (Chicken Farmer of Canada) method for doing allocations and market development. They require double and triple majorities to get enough votes on-side to be assigned quota. I read it 3 times and gave up trying to understand. I vowed to go back and try to understand again when I have more time. Once I understand it, I can post on it.

      I've asked CFC a number of questions on their processes, but they have yet to respond.

      Many others have emailed me or phoned, explaining that the assigning of extra quota, exports, and import for processing to re-export are very slimey subject ripe for investigation and exposure to sunlight.

      I'll do what I can. I'm working on a posting right now on what I was researching last week. When that is done, you're request is up next.

      This is where some specific hints and examples from the hands-on daily practitioners would really help me.

      Delete
  3. Here is a link to some interesting reading, read the comments under the story. google this-"the financial post terence corcoran-farm supply why wait for trade talks"

    ReplyDelete
    Replies
    1. Thanks for the tip. I found the article at http://opinion.financialpost.com/2012/06/25/terence-corcoran-farm-%C2%ADsupply-why-wait-for-trade-talks/

      Here is what I wrote to the author of that article, Terence Corcoran.

      Dear Terence Corcoran, Financial Post Editor:

      Thanks for the article on this important subject.

      I look at the modern technology in the picture with your article, and I know that only a few Canadian dairy operations have such technology. Chicken is a little more modern, but not much.

      In my Blog, I give the following example (see http://canadiansmallflockers.blogspot.ca/2013/03/why-not-export-canadian-chicken.html ):

      "For example, New Zealand chicken farmers have a FCR (Feed Conversion Ratio) as low as 1.38 while Ontario chicken farmers have an FCR around 1.82 which is 31.9% worse than world-class. Since feed costs are about 60% of the total live chicken price, the poor Canadian FCR raises our live bird price by 19.14%. No wonder Canadian prices are so high."

      I suggested that it takes 2 decades to slowly develop the expertise to achieve those kind of "improvements".

      While everybody allowed this bad situation to slowly develop over the last 50 years, to suddenly remove the protection of a roof and central HVAC from Canada's "Sleeping Beauty" [Supply Management industry], exposing her to the sudden onslaught of a full Canadian winter would be quite a shock to her system. Some may think she'd die of exposure before she was able to wake up and build herself a fire.

      Obviously, waking her up, sitting up in bed, and bringing her quickly up-to-date on the rough truths of life is an important first step, maximizing her chance of survival.

      In that regard, thanks for clanging on the casserole pot so as to raise Sleeping Beauty from her deep sleep.

      The same needs to be done for the Canadian public. Still got your casserole pot and spoon? Keep banging!

      Delete
    2. The reason I pointed out that article was because of the comments below between "John Stewart" and "physyk". Did you read that? That was the most interesting part. That is where I learned about the chicken export program, and according to that person, whatever is subsidized for export is done so at about 30 cents/kilo. Obviously it would have to be subsidized to access foreign markets because our chicken farmers operate at much higher profit margins than normal. The problem I have with this, is that canadian consumers are overpaying for chicken, even more so with this program, then the existing chicken producers continue to hand themselves quota 'increases'.

      Delete
  4. You are welcome. Be sure to click on our RSS Feed Button so that you get automatic updates from our Blog.

    ReplyDelete
  5. That's actually meat chicken. If you want egg chicken, it's higher - can get up to $400 per bird in "bunches" of 500 birds = $200,000. The limit is 100 HUNDRED laying chickens without quota in Ontario.

    Max egg price / dozen is 1.96 for 1,500 DOZENS = 18,000 eggs / 5 per week = 3,600 hens x 400 / bird = 1,440,000 for a profit of 2,940 / week of 152,000 give or take a year. Not including extra fees of course, loss of egg, etc. Means I'd take about 10 YEARS to even get out of the red, and THAT'S LUCKY.

    Sad thing is is that the Canadian government was giving out quotas like hot cakes in the 70s and any real "new farmer" that comes into the business is someone's kid striking out on their own or some immigrant with a LOT of money to waste.

    And cause of this it's the poor quality subpar [compared to other breeds] that is been produced by the bucketful.

    ReplyDelete
    Replies
    1. Thank-you for supplying this excellent information. Can we assume that you are a quota-based egg farmer in Ontario?

      Did I understand correctly that you suggest:

      1. commercial Ontario birds will lay 5 eggs per week (33.6 hrs egg cycle, 71.4% daily yield)?

      2. Best available egg price is $1.96 per dozen if you do 1500 dozen at a time?

      3. 1,500 dozen eggs per week requires you to have 3,600 laying hens

      4. Total bird investment for max. income is $1.44 Million

      5. Gross income for 3600 layers is $2,940 per week, or $152,000 per year assuming 52 weeks per yr operation.

      6. Assuming you don't do as LH Gray is alleged to do (put 10% cracked, dirty, or undersize eggs into cartons to unsuspecting consumers), you can have significant losses from eggs that don't meet spec, and this bites hard into gross income and end of year profits.

      Out of your $152,000 per year gross income, you still have to pay your feed bill, electricity, bank loan for building your barn, food for you, taxes, etc.

      Exactly how do you accomplish all that?

      For example, how is your feed bill? What do you have to pay $/tonne delivered? What is your Feed Yield (eg. kg/day/bird or kg/egg layed, etc.)?

      What do you feel needs to be done to improve the situation for Ontario egg farmers?



      Delete
  6. this is a joke and it feel unconstitutional cuz its way over price that is pure extortion I want to become a farmer im actually becoming one but I never knew the quota so high I am 19 yearsold and this is really sad and I just want to give up

    ReplyDelete
    Replies
    1. Welcome! Thanks for providing your comments.

      Yes, trying to become a quota-based chicken farmer is all but impossible; unless you win the 6-49 lottery, or you inherit the farm.

      You can make application to CFO as a "New Farmer" and get a lower cost loan of quota to help get you started, but even then it's very risky.

      Alternatively, you can become a member of SFPFC, and help lobby the government to change the rules.

      Glenn Black
      Small Flock Poultry Farmers of Canada ("SFPFC")

      Delete
  7. what about diversifying....maybe a few different types of poultry, or other animals, just under the quotas...maybe that would be a good way for the small newbies to start out...skip the quotas altogether perhaps...

    ReplyDelete
  8. Hi everyone, i am Chloe Raymond am so glade coming back to this great forum to testify about the help i received from Chester Brian. I was in desperate need of a loan in other to be free from debt and financial bondage that was place on me by my ex husband. It was really bad that i have to seek for help from Friends,family and even my bank but on one could assist me because my credit score was really bad. So i was browsing with my computer and saw some testimonies from people Chester Brian assisted with a loan, then i decided to contact him on his email BRIANLOANCOMPANY@YAHOO.COM, then i received a mail from them and i did all that was asked from me. To my greatest surprise they transferred to my account the loan i requested and now i am so happy clearing my debt and have also started a business with the remaining amount to take care of myself and family. If you need a loan do contact the best loan lender of all time Chester Brian on his email: BRIANLOANCOMPANY@YAHOO.COM or Call/Text +1(803) 373-2162

    ReplyDelete
  9. if you are facing any issue or problems of QuickBooks like Bank Error, Accounting Error, Reconciliation, Payroll etc then Don’t worry just Dial Intuit QuickBooks Customer Service Toll Free Phone Number 1-888-867-9209 more information see here Intuit QuickBooks Customer Support Number

    ReplyDelete

  10. WE OFFER AFFORDABLE BUSINESS/COMPANY/PROJECT/PERSONAL LOANS WORLDWIDE Email Call/Text +1(647)697-1883 drstevecapital@gmail.com
    XMAS IS HERE AGAIN, DO NOT BE LEFT OUT, APPLY FOR ALL KINDS OF XMAS LOAN WITH US TODAY! XMAS FREE GIFTS PACKAGE FOR CLIENTS INTERESTED

    Your search for business/personal loan ends here today for we are here to satisfy your financial needs, We are investors providing financial services to individuals and companies worldwide. we have brought ailing industries back to life and we back good business ideas by providing funds for their up start. we have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations. We offer loans ranging from $5,000.00 Thousand to $700,000.000.00 Million Dollars with our company investors, business tycoons and other top prime financial consultants across the globe. If you have been refused a loan by a bank or a financial institution from one or more reasons. You are in the right place for your loan solutions, we give loans to all persons/groups with a low interest rate of 2% and loan duration of 1 to 40 years to pay back the loan secure and unsecured. we offer all types of loan as follow Business Loans, Personal Loans, Debt consolidation Loans, Student Loans, Construction Loans, Car Loans, Real Estate Loans, Hotel Loans, Home Loans,Refinancing Loans, Farm Loans and many more contact us via Call/Text +1(647)697-1883 Email drstevecapital@gmail.com

    We have provided over $4 Billion in business loans to over 97,000 business owners just like you. we use our own designated risk technology to provide you with the right business loan so you can grow your business. our services are fast and reliable, We are out here to help the less financial privileges get the loan they need to get back on their feet no matter your credit score. you can say goodbye to all your financial crisis and difficulties. Looking to help those who find it hard to help themselves, Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved. Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable contact us via
    Call/Text +1(647)697-1883 Email drstevecapital@gmail.com

    Best Regards
    Dr. Steve Farrugia
    Call/Text +1(647)697-1883
    Email: drstevecapital@gmail.com


    ReplyDelete
  11. HOW I GOT A LOAN OF $250k WITHOUT COLLATERAL at 2%.

    Do you need a loan? Are you in debt? Do you want to start a business and need capital? Need a loan or financing for any reason? You have the right location for your loan solutions here! I recommending (GT LOANS 48) to you all, they are Located here in united states and other countries. they offer loan to anyone who is interested in getting any type of loan. they lend me the sum of $250k with OR Without collateral at a rate of 2%. they offer all kinds of loan.

    Their services include Education Loans, Car Loans, Truck Loans, Refinancing Loans, secured loan unsecured loan, Personal Loans, Debt consolidation loans * Business Loans* Mortgage * Home Loans*Student loan etc. kindly contact them today via the following information for further inquiries

    Kindly Contact them via E-mail: gtloans48@gmail.com
    Company Mobile number: text +1 (716) 422 0854
    Company Mobile number: text +1 (928) 792-2889
    WhatsApp: +1 (716) 296-4231

    ReplyDelete

  12. Do You Seek Funds To Pay Off Credits and Debts? { FIFOCapitals@gmail.com } Is Here To Put A Stop To Your Financial Problems. We Offer All Kinds Of Loan (Personal Loan, Commercial Loan, etc.) We Give Out Loan With An Interest Rate Of 2.%. Interested Applicants Should Contact Us Via Email: FIFOCapitals@gmail.com

    Please Fill the Application Form Below:
    - Complete Name:
    - Loan Amount Needed:
    - Loan Duration:
    - Purpose Of Loan:
    - City / Country:
    - Telephone:
    - How Did You Hear About Us:

    If You Are Interested To Get A Loan Then Kindly Write Us With The Loan Requirement. Please, Contact Us via email: FIFOCapitals@gmail.com,,,

    ReplyDelete
  13. I am so grateful to Liberty Private Loans for helping me with a loan of 700,000.00 USD through the help of the loan consultant Robert Micheal Green, i am eternally grateful to you. my life has turned around, my finances settled i now own a business which i use in taking care of my family. I am so so grateful to you Mr Robert and God Bless you. You can contact them for your financial help via email: libertyprivatefunding@gmail.com for your financial help. God bless Mr Robert.

    Yours Sincerely

    ReplyDelete

  14. PLEASE READ!!!! PLEASE READ!!!! PLEASE READ!!!! PLEASE READ!!!!

    Hey Guys!!!Am so happy I got mine from Mike Fisher. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $14,000 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 Mike Fisher because i met two people before her and they took my money not knowing that they were scams. But am happy now. Mike Fisher 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. i'm grateful to Mike Fisher because she changed my story all of a sudden . The card works in all countries except, Mali and Nigeria. Mike Fisher email address is blankatm156@gmail.com
    Website : http://blankatm001.wixsite.com/blankatmhacker

    ReplyDelete
  15. 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, companies and individuals at an affordable interest rate of 3%. contact Mrs Briggite Klaus.
    email;stefanklaus0147@gmail.com
    whatsapp:+15186656998

    ReplyDelete
  16. Are you in need of a loan? we offer all kinds of loan like Personal loans, Debt Consolidation Loan, Venture Capital, Business Loan, Educational Loan, Home Loan, and Loan for any reason and urgent needs!. with an interest rate of 2% Have you been turned down by your bank? Do you have bad credit? Do you have unpaid bills? Are you in debt? Do you need to set up a business? Worry no more as we are here to offer you the chance to get a loan. Our loan ranges from any amount of your choice.if interested contact us on this email:williamsgaige020@outlook.com

    ReplyDelete

  17. Do You Seek Funds To Pay Off Credits and Debts? { EllinasFinances@gmail.com } Is Here To Put A Stop To Your Financial Problems. We Offer All Kinds Of Loan (Personal Loan, Commercial Loan, etc.) We Give Out Loan With An Interest Rate Of 2.%. Interested Applicants Should Contact Us Via Email: EllinasFinances@gmail.com

    Please Fill the Application Form Below:
    - Complete Name:
    - Loan Amount Needed:
    - Loan Duration:
    - Purpose Of Loan:
    - City / Country:
    - Telephone:
    - How Did You Hear About Us:

    If You Are Interested To Get A Loan Then Kindly Write Us With The Loan Requirement. Please, Contact Us via email: EllinasFinances@gmail.com ,,,

    ReplyDelete
  18. Are you in need of a loan? we offer all kinds of loan like Personal loans, Debt Consolidation Loan, Venture Capital, Business Loan, Educational Loan, Home Loan, and Loan for any reason and urgent needs!. with an interest rate of 2% Have you been turned down by your bank? Do you have bad credit? Do you have unpaid bills? Are you in debt? Do you need to set up a business? Worry no more as we are here to offer you the chance to get a loan. Our loan ranges from any amount of your choice.if interested contact us on this email:williamsgaige020@outlook.com

    ReplyDelete
  19. We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects.

    We do not have any broker chain in our offer or get involved in chauffer driven offers. We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.


    DESCRIPTION OF INSTRUMENTS:
    1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
    2. Total Face Value: Eur 1 MIN and Eur 5B MAX (Five Billion USD).
    3. Issuing Bank: HSBC, London or Deutsche Bank Frankfurt or any Top 25 WEB
    4. Age: One Year, One Day
    5. Leasing Price: 4% of Face Value plus 1% commission fees to brokers.
    6. Delivery: SWIFT TO SWIFT.
    7. Payment: MT-103.
    8. Hard Copy: Bonded Courier within 7 banking days.


    All relevant business information will be provided upon request.

    Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding: For further details contact us with the below information.

    Contact : Mr. Raymond Doison
    Contact Email: crusaderbroker.bgassurance@gmail.com
    skype:crusaderbroker.bgassurance@gmail.com
    Whatsapp : +44 7459 947744

    ReplyDelete
  20. Do You Seek Funds To Pay Off Credits and Debts? { EllinasFinances@gmail.com } Is Here To Put A Stop To Your Financial Problems. We Offer All Kinds Of Loan (Personal Loan, Commercial Loan, etc.) We Give Out Loan With An Interest Rate Of 2.%. Interested Applicants Should Contact Us Via Email: EllinasFinances@gmail.com

    Please Fill the Application Form Below:
    - Complete Name:
    - Loan Amount Needed:
    - Loan Duration:
    - Purpose Of Loan:
    - City / Country:
    - Telephone:
    - How Did You Hear About Us:

    If You Are Interested To Get A Loan Then Kindly Write Us With The Loan Requirement. Please, Contact Us via email: EllinasFinances@gmail.com ,,,

    ReplyDelete
  21. AFFORDABLE BUSINESS/COMPANY/PROJECT/PERSONAL LOAN THAT WILL CHANGE YOUR LIFE FOREVER Call/Text +12104460396 Email
    chryslerkingsfinance0@gmail.com Hello, Are you looking for financial freedom? Are you in debt, You need a loan to start a new business? Your search for legitimate loan ends here today for we are here to satisfy your financial needs 100% guarantee of a loan. we are top prime financial consultants providing financial services to individuals and companies worldwide also handles international finances for any amount of banking instruments such as BG/SBLC/MTN/Bonds or delivery of direct Loans. we have brought ailing industries back to life and we back good business ideas by providing funds for their up start(Rev.Chrysler Kings Investors) offer loan ranging from $5,000.00 Thousand to $700,000.000.00 Million Dollars to those in need of financial assistance in a low interest rate of 2% and loan duration of 1 to 40 years to pay back the loan secure and unsecured Bad credit acceptable. we liaise with consortium of Business Tycoons/Investors in custody of large funds with interest in various project funding. If you have been refused a loan by a bank or a financial institution from one or more reasons. you are in the right place for your loan solutions contact us via Email chryslerkingsfinance0@gmail.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 below Xmas Loan Business Loan company loan Personal Loan Debt consolidation Loan Student Loan Construction Loan Car Loan Real Estate Loan Hotel Loan Home Loan Refinancing Loan Farm/Agricultural project Loans and many more contact us via Call/Text +1(647)697-1883 Email chryslerkingsfinance0gmail.com Yours Sincerely Dr. Chrysler Kings Call/Text Mobile Number: +12104460396 Email: chrysleringsfinance0@gmail.com

    ReplyDelete
  22. ATTENTION!! DO YOU NEED AN AFFORDABLE BUSINESS/HOME/COMPANY/PERSONAL LOAN TODAY Call/Text +1(720)504-0528 Email drjoshuafinancier@gmail.com

    We are financial consultants providing reliable loans to individuals and funding for business, home and projects start up. Are you tired of seeking loans or are you in any financial mess. have you been turned down constantly by your banks and other financial institutions, then worry no more for we are the solution to your financial misfortune. we offer loan ranging from $5,000.00 to $650,000,000.00USD with a low interest rate of 2% and loan duration of 1 to 35 years to pay back the loan secure and unsecured. Are you losing sleep at nights worrying how to get a Legit Loan Lender? Contact Email: drjoshuafinancier@gmail.com

    Do you have a bad credit? Do you need money to pay bills? Do you need loan to buy, refinance or renovate your home? 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? JOSHUA FINANCIER LOANS aims is to provide excellent professional financial services which include the followings

    * Personal loans
    * Business loans
    * Home loans
    * Farm Loans
    * Education loans
    * Debt consolidation loans
    * Truck Loans
    * Car Loans
    * Hotels Loans
    * Mortgage
    * Refinancing Loans and many more contact us via Call/Text +1(720)504-0528 Email drjoshuafinancier@gmail.com

    Yours Sincerely
    Dr. Joshua Ratmiroff
    Call/Text +1(720)504-0528
    We are certified and your privacy is 100% safe with us. Worry no more about your financial problems.

    Get your instant loan approval











    ReplyDelete
  23. Do You Seek Funds To Pay Off Credits and Debts? { EllinasFinances@gmail.com } Is Here To Put A Stop To Your Financial Problems. We Offer All Kinds Of Loan (Personal Loan, Commercial Loan, etc.) We Give Out Loan With An Interest Rate Of 2%. Interested Applicants Should Contact Us Via Email: EllinasFinances@gmail.com

    Please Fill the Application Form Below:
    - Complete Name:
    - Loan Amount Needed:
    - Loan Duration:
    - Purpose Of Loan:
    - City / Country:
    - Telephone:
    - How Did You Hear About Us:

    If You Are Interested To Get A Loan Then Kindly Write Us With The Loan Requirement. Please, Contact Us via Email: EllinasFinances@gmail.com ,,,

    ReplyDelete
  24. Do You Seek Funds To Pay Off Credits and Debts? { EllinasFinances@gmail.com } Is Here To Put A Stop To Your Financial Problems. We Offer All Kinds Of Loan (Personal Loan, Commercial Loan, etc.) We Give Out Loan With An Interest Rate Of 2%. Interested Applicants Should Contact Us Via Email: EllinasFinances@gmail.com

    Please Fill the Application Form Below:
    - Complete Name:
    - Loan Amount Needed:
    - Loan Duration:
    - Purpose Of Loan:
    - City / Country:
    - Telephone:
    - How Did You Hear About Us:

    If You Are Interested To Get A Loan Then Kindly Write Us With The Loan Requirement. Please, Contact Us via Email: EllinasFinances@gmail.com ,,,

    ReplyDelete
  25. 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 3%. For application and more information send replies to the following E-mail address: standardonlineinvestment@gmail.com
    Thanks and look forward to your prompt reply.
    Regards,
    Muqse

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

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

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

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

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

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

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

    ReplyDelete
  27. How I got My Loan From A God sent And Genuine Loan Lender…

    what a great place for you to apply for a loan Houstonloanfirm@yahoo.com I’m here as the happiest woman in the whole wide world because of what God has done for me through the help of a God sent and genuine loan lender his servant. I told myself to talk about the good deeds of any lender that will rescue my family from our poor & hopeless situation, i will and must tell his name to the whole world, I am so happy to say that my family is back for good because i was granted a loan of $10,000 USD to start my life all over again as i am a single mum with kids and the whole world seems it was all hanging on me cause we had no one to run to for help. Not until i met a God sent loan lender that changed my life and that of my family, a GOD fearing man, a lender, the director of the company Houston loan firm, he was the Savior God sent to rescue my family. At first i thought it wasn’t going to be possible until i received my loan amount of $10,000 USD on the 2nd/June/2018. All thanks to him and to GOD for leading me into meeting him. My advise to anyone out there in genuine need of a loan is to Divine through official email:- Houstonloanfirm@yahoo.com because he is an understanding and kind hearten lender.

    ReplyDelete
  28. I am writing this Testimony because am really grateful for what Mr Houston did for me and my family, when I thought there was no hope he came and make my family feel alive again by lending us loan at a very low interest rate of 3%. Well I have been searching for a loan to settle my debts for the past three months all I met scammed and took my money until I finally met a God sent Lender. I never thought that there are still genuine loan lenders on the internet but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would advise you to contact Mr Houston via email Houstonloanfirm@yahoo.com Once again thank you Mr Houston am really grateful

    ReplyDelete
  29. We are able to finance your signatory
    projects and help you enhance your
    business plan. Furthermore, our
    financial instrument can be used for
    the purchase of goods from any
    manufacturer irrespective of their
    location. It can also serve as
    collateral with any bank in the world
    to secure loans for your project or to
    activate credit line to finance your
    business plan. We have {BG}, Standby
    Letter of Credit {SBLC}, Medium Term
    Notes {MTN}, Confirmable Bank Draft
    {CBD} as well as other financial
    instruments issued from AAA Rated bank
    such as HSBC Bank Hong Kong, HSBC Bank
    London, Deutsche Bank AG Frankfurt,
    Barclays Bank , Standard Chartered Bank
    and others on lease at the lowest
    available rates depending on the face
    value of the instrument needed.


    Email : nat.mandate18@gmail.com
    Skype : nat.mandate18@gmail.com


    Regards
    Nat

    ReplyDelete
  30. Hello Everyone out there! I'm Alexanda hook, from Usa I am using this medium to announce to the general public on how Houston Loan Firm Company restored happiness to my home again, through the help of Mr Houston, When all hope was lost they granted me a loan sum of $50,000 on the 7th of February 2019 to settle my debts and start up a business of my own. They saved me and my family from loosing our home as we were not able to pay tax bills. I am writing this message cause I feel it might be important for you out there seriously in need of a genuine loan in other for you not to fall into the wrong hands in search of a liable loan,I strongly advice you to contact this company via email: Houstonloanfirm@yahoo.com

    ReplyDelete
  31. Hello Everyone out there! I'm Alexanda hook, from Usa I am using this medium to announce to the general public on how Houston Loan Firm Company restored happiness to my home again, through the help of Mr Houston, When all hope was lost they granted me a loan sum of $50,000 on the 7th of February 2019 to settle my debts and start up a business of my own. They saved me and my family from loosing our home as we were not able to pay tax bills. I am writing this message cause I feel it might be important for you out there seriously in need of a genuine loan in other for you not to fall into the wrong hands in search of a liable loan,I strongly advice you to contact this company via email: Houstonloanfirm@yahoo.com

    ReplyDelete
  32. Do You Seek Funds To Pay Off Credits and Debts? { EllinasFinances@gmail.com } Is Here To Put A Stop To Your Financial Problems. We Offer All Kinds Of Loan (Personal Loan, Commercial Loan, etc.) We Give Out Loan With An Interest Rate Of 2%. Interested Applicants Should Contact Us Via Email: EllinasFinances@gmail.com

    Please Fill the Application Form Below:
    - Complete Name:
    - Loan Amount Needed:
    - Loan Duration:
    - Purpose Of Loan:
    - City / Country:
    - Telephone:
    - How Did You Hear About Us:

    If You Are Interested To Get A Loan Then Kindly Write Us With The Loan Requirement. Please, Contact Us via Email: EllinasFinances@gmail.com ,,,

    ReplyDelete
  33. I want to use this miduim to thank Mr Houston for the good work he render to me, is with great joy and enthusiasm that i write on this internet forum because i finally have received my loan from a certain genuine lender whose name is Mr Houston ,his company name is Houston Loan Firm and for the good of you all who are still looking for a loan, this lender is endowed with all the good characteristics of a real loan lender . Judging from the loan they gave to me , their fast and reliable system of lending is not to be compared with any other,this is why i recommend any person seriously looking for a loan to contact him today and i am sure that he is willing to do for you what he has already done for me .

    Contact the lender on this email today: Houstonloanfirm@yahoo.com

    Thanks

    ReplyDelete
  34. GOOD DAY, WELCOME TO THE PAYDAY LOAN
    We need an urgent loan to solve your financial needs, we offer loans ranging from £5.000 to £100,000,000.00. We are reliable, efficient, fast and dynamic, with a 100% guaranteed loan, we also give (euros, pounds,pula rand, pesos and dollars.) The interest rate applicable to all loans is (3%), if interested, Contact Us. The services provided include:
    * Home improvement
    * Loan inventory
    * Debt consolidation Loans
    * Commercial Loans
    * Personal loans.
    * Car loans
    *Company Loans
    *Student Loans
    Contact us today by adding us on our official line on WhatsApp: +1 902-400-3745 or email us on (diamondloanfirmcompany83@gmail.com) thanks.

    ReplyDelete
  35. GOOD DAY, WELCOME TO THE PAYDAY LOAN
    We need an urgent loan to solve your financial needs, we offer loans ranging from £5.000 to £100,000,000.00. We are reliable, efficient, fast and dynamic, with a 100% guaranteed loan, we also give (euros, pounds,pula rand, pesos and dollars.) The interest rate applicable to all loans is (3%), if interested, Contact Us. The services provided include:
    * Home improvement
    * Loan inventory
    * Debt consolidation Loans
    * Commercial Loans
    * Personal loans.
    * Car loans
    *Company Loans
    *Student Loans
    Contact us today by adding us on our official line on WhatsApp: +1 902-400-3745 or email us on (diamondloanfirmcompany83@gmail.com) thanks.

    ReplyDelete
  36. I want to use this medium to thank Mr Houston for the good work he render to me, is with great joy and enthusiasm that i write on this internet forum because i finally have received my loan from a certain genuine lender whose name is Mr Houston ,his company name is Houston Loan Firm and for the good of you all who are still looking for a loan, this lender is endowed with all the good characteristics of a real loan lender . Judging from the loan they gave to me , their fast and reliable system of lending is not to be compared with any other,this is why i recommend any person seriously looking for a loan to contact him today and i am sure that he is willing to do for you what he has already done for me .

    Contact the lender on this email today: Houstonloanfirm@yahoo.com

    Thanks

    ReplyDelete
  37. 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: Credit Clearance Company

    Company Email:creditclearance4@gmail.com



    Thanks

    ReplyDelete
  38. Do you need a loan ?Here is a legit lender who you can take out loan from .You can contact Steven Ryan finance via: whatsapp/call : +971 52 961 5981
    Email: stevenryanfinance@gmail. com

    ReplyDelete
  39. DO YOU NEED AN AFFORDABLE LOAN TODAY?

    We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $200 million.

    Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Jayden Martin Home Loans is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

    DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2% JAYDEN MARTIN HOME LOANS, (jaydenmartinhomeloans@gmail.com) aims is to provide Excellent Professional Financial Services.

    Our services include the following:

    *Truck Loans
    * Personal Loans
    * Debt consolidation loans
    * Car Loans
    * Business Loans
    * Education Loans
    * Mortgage
    *Refinancing Loans
    * Home Loans

    We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

    NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

    Yours Sincerely,
    Dr. Jayden Martin
    +1 (929)277-5237
    We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.


    Get your instant loan approval

    ReplyDelete
  40. TESTIMONY!!! thanks to you for helping me get this loan i will for ever be grateful to you i will forever give testimony about your good company i will advice any one in need of a loan to contact this loan company for help this is his direct email via Houstonloanfirm@yahoo.com once again thank you Mr Houston for what you did in my life

    ReplyDelete
  41. DO YOU NEED AN AFFORDABLE LOAN TODAY?

    We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $200 million.

    Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Jayden Martin Home Loans is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

    DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2% JAYDEN MARTIN HOME LOANS, (jaydenmartinhomeloans@gmail.com) aims is to provide Excellent Professional Financial Services.

    Our services include the following:

    *Truck Loans
    * Personal Loans
    * Debt consolidation loans
    * Car Loans
    * Business Loans
    * Education Loans
    * Mortgage
    *Refinancing Loans
    * Home Loans

    We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

    NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

    Yours Sincerely,
    Dr. Jayden Martin
    +1 (929)277-5237
    We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.


    Get your instant loan approval

    ReplyDelete


  42. Hello,

    If you want to start making money on poultry farming business, you can use this website company to generate steady money incomes of over $500 daily to backup your poultry farming business online.

    You can start making incomes profits of $100, $500, $1000 from virta stock trading http://www.virtatrade.com/index.php. without you risking your money online and it is 100% profits making guarantee.

    BELOW IS HOW THE MONEY MAKING FROM VIRTA STOCK TRADING WORK:

    You buy your virta stock from this modern company platform at virta stock current market price and You will receive the next sales price you will use to sell your virta stock when the virta stock market price have risen up to meetup with your selling price in your trading account.

    Once the virta stock market price have rise up to meetup with your selling sales price in your trading account, you will sell your virta stock at the market price and make your instant profit.

    No RISK TRADING.

    You can withdraw your profit daily from a minimum of $1 and above.

    THE BUYING AND THE SELLING OF A VIRTA STOCK IS 100% PROFIT MAKING GUARANTEE
    NO RISK

    Virta stock trading does not involve risk trading where traders need to trade with either to loss or gain.

    All you do is to sell your virta stock and make your instant profits.

    I make my every day profits incomes of $100 from the buying and the selling of virta stock as my extra source of incomes to my bitcoin wallet every day as a sport stake.

    I recommend this trading platform for you as your alternative source of incomes making.

    Visit and register with the company website here http://www.virtatrade.com/index.php and test their platform with just $1 and see how it work great for profits incomes making online.

    ReplyDelete
  43. Do You Seek Funds To Pay Off Credits and Debts? {  Evergreenloanfinance@gmail.com   } Is Here To Put A Stop To Your Financial Problems. We Offer All Kinds Of Loan (Personal Loan, Commercial Loan, etc.) We Give Out Loan With An Interest Rate Of 2%. Interested Applicants Should Contact Us Via Email: Evergreenloanfinance@gmail.com

    Please Fill the Application Form Below:
    - Complete Name:
    - Loan Amount Needed:
    - Loan Duration:
    - Purpose Of Loan:
    - City / Country:
    - Telephone:
    - How Did You Hear About Us:

    If You Are Interested To Get A Loan Then Kindly Write Us With The Loan Requirement. Please, Contact Us via Email: Evergreenloanfinance@gmail.com  ,,,

    ReplyDelete

Off-topic commercial spam that's posted so as to help sell your wares will be deleted.

On-topic comments, where you behave yourself and play nicely, will remain posted; whether they are pro or con. Everybody needs to fully understand all points of view so that we can find a solution that encompasses everybody's concerns. Give it your best shot.

If you decide to post, your posting becomes part of the public record, and SFPFC has full rights to use it (or not) in any reasonable manner or medium that suits our purposes.

Before posting, please proofread, and correct as necessary. If you subsequently discover a need to fix your previous posting, make an additional posting that refers to the original posting, then set the record straight.