10.4.13

How to save on income tax in Singapore

It's the season to file your income tax again (1 Mar to 18 Apr 2013)! Right now, the Government has made it even easier for us to submit the income tax with the No-filing service; means your income tax is submitted automatically!

You can seek additional help from the tips if you are unsure of certain stuff or even visit their e-learning guide.


Usually, the fields will already be pre-filled by IRAS based on the info it receives from the relevant organisations such as CPF and our companies if they are in auto-inclusion inside the program. Thus, if you have no changes in income/relief claims; you are relieved of the extra work to login to the portal & submit your tax.


However.... many people i know are ignorant about the tax reliefs they can claim to reduce their tax significantly! Right now, lets take a look on some ways you can SAVE TAX & GET RICH.

(i) Parent Relief/Grandparent Relief: Many people tend to miss out on these. and they give huge tax reliefs seen below:

  YA2009 and before From YA 2010 onwards
Type of relief
Staying with parentsNot staying with parentsStaying with parents Not staying with parents 
Parent relief$5,000$3,500$7,000$4,500
Handicapped parent relief$8,000$6,500$11,000$8,000
And its not just YOUR Parents! You can do it for your parents, grandparents, parents-in-law or grandparents-in-law! Just make sure nobody else in the family are claiming under the same parent's name :)

(ii) Life Insurance Relief: Many people do buy insurance in many forms so prevent from letting your premiums paid go to waste! There is a limit though, you cannot claim this if your CPF contributions exceed $5,000 annually... what a waste!

(iii) Course Fees Relief: If you are constantly upgrading yourself in relation to your career; you can also claim for the tax relief for this. Examples may include: ACCA, CFA, CPA etc..

(iv) SRS/CPF Top-Up: I found a very good link showing you how you can kinda allocate your cash to your SRS/CPF and use them to claim tax reliefs. The benefits are that you can earn interest on the accounts, use the funds inside to invest after a certain min. sum & lastly, claim your tax reliefs!
But do take note that your funds will be locked in for a long time so don't jump in without doing your homework!

Conclusion
On a side note, other types of Personal Reliefs are usually included automatically. No point in handing out tax revenue to the government when you can claim claim claim it all! All the best in filing your income tax!

124 comments:

  1. Another relief not directly mentioned above is if you have retired parents with little CPF and you are passing cash to them every month. You can channel the cash to top up their CPF retirement accounts monthly and CPF will automatically transfer out the cash to their bank accounts.

    You can transfer about $200 a month to each parent and this will be treated as CPF top up to your parents which is tax deductable.
    To do above, you need to use the e-cashier service on the CPF website.

    Remember to transfer to your parent's RETIREMENT account and do NOT use credit card - use NETS transfer intead (credit card has admin fee that wipes out your tax savings).

    Also, you might like to pass some of your tax savings to your parents since it is because of them that you are getting those savings.

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  2. good tips!
    much thanks!

    ReplyDelete
  3. Hello,

    Thanks for the great article! I have also wrote an article on income tax filing, check the link below:

    http://sgwebreviews.blogspot.sg/2013/03/filing-of-personal-income-tax.html

    Can we exchange link? My blog is SG Web Reviews (www.sgwebreviews.blogspot.com).
    Please contact me at sgwealthbuilder@gmail.com

    Thank you

    ReplyDelete
    Replies
    1. Hi,

      I have sent an email to you with regards to the Link exchange!

      Cheers
      James

      Delete
  4. Dear James,

    Good article!  May i request that my blog (http://wealthstory.blogspot.sg/) be added to your list of blog links if you're ok?

    Your blog is one of those that i closely follow under my blog roll. :)

    I can be contacted at investorlightyear@gmail.com

    Many thanks,
    Investor Lightyear.

    ReplyDelete
    Replies
    1. Hi,

      I have sent an email to you with regards to the Link exchange!

      Cheers
      James

      Delete
  5. An interesting discussion is worth comment. I think that you need to write more about this topic, it might not be a taboo matter but usually people do not discuss such subjects. To the next! Kind regards!!sbobet Online

    ReplyDelete
  6. There’s also the “Foreign Maid Levy Relief” which is made available to married women to encourage them to remain in the workforce and promote procreation. Only those who and their spouse have employed a foreign domestic worker AND if you are (1) Married and living with their husband, (2) Married but their husband is not a resident of Singapore or (3) Divorced or widowed and have children from whom you can claim tax reliefs are considered eligible for this particular tax relief. In fact, one can claim twice the tax levy on one domestic worker regardless if your husband has paid the levy.

    Elias Brasel @ OnCoreBookKeeping Services

    ReplyDelete
  7. Thanks a lot for the nice and helpful information.. good one

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  8. you share really so useful informations with us on Income Tax Services in Singapore Thank yopu so much !!!!!

    ReplyDelete
    Replies
    1. How come you put a girl's picture as your display pic? lol!

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  16. My name is Antoni Bolek and i am from poland , warsaw. after randomly searching online for things about accerdited online loan lenders i found this article about the
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    now . its crazy that i got scammed of $ 3000 Dollars by an online loan lender in time past and this was why i became even more careful this time in getting this my student
    loan as i needed to contiune my education at all cost by getting a loan from any legit and accredited online lender because my dad is late and my mum was financially
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  17. If getting a legit loan online was that easy as stated in all this frabicated loan testimonies that i have been reading through online , then why were my husband and I turned down for a loan online twice after been scammed of about $16,000 United State Dollars ? We the loan seekers are the common regular victims of this fake loan stories simply because we are in dire needs we believe in their stories out of despiration to get a loan, but at the end of it all we find out that we have gained nothing but rather loosed the little we have into the hands of this online scammers who claim to be real lenders .the lenders told us to pay some few amount for insurance because they said that we were high risk!! How is that? I still don't understand how!! how can a lender be requesting several fees from a borrower ? if that borrower was having money would he or she have come along to ask for a loan ?? those lenders decieved my husband and i of getting a loan and we thought it was all real because we never believed that there was anytime as an online loan scam and they had all pay all we had to them and due to the way things were moving we had to close out our buisness over here in ireland as we could not meet up with the customers needs any longer because we sold all most every single goods we had and we could not replace them as we thought that we could do so if we get our requested loan amount ... yes !! we were scammed by two different lenders online ! a customer who was also a closed friend to the family saw the way things were so bad and decided to introduce us to a loan company but we refused any further loan offer because we had conluded that all of them were scams but he insisted as he opened up of getting a loan from them but we believed him at a spot after he opened up because we knew himfrom the onset to be a man of unquestionable character who was always known for his words and we applied with this company that he called THE WINONA MILLARAY LOAN FOUNDATION but prior to our application with this email address : winonamillarayloanfoundation@linuxmail.org , that he provided to us we quickly lookup this loan company in google so that we could be sure that they were legit .. yes !! it was to my own satisfaction and i applied but God was so kind that he lead us through and we got our loan .. Oh well, I'm just glad that we got our loan without been scammed or any stress .
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  20. End your financial worries today:

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  21. Hello Viewers ,

    I am Mrs miller douglas,a registered commercial Agriculturist...Earlier this year,I was facing financial crisis,.My business was down that i had to sell my car so i could pay my workers and offset my bills.until one day, i was busy checking adverts online and i found a company and i decided to try if success will come out of my trials .Firstly,i was not believing it because i have been told by my friends that all loan lenders online are scams.i decided to take a bold step and i was told by the company that i will recieve my loan in 60 hours, it was all like a dream to me as in the next 48-60 hours,i recieved my loan.Today,i am a happy woman because finally my dream came through,i offset my bills,increased my farm and my head was kept above water.i am so happy and i urge everyone of you who are financially drown contact Winona Millaray loan company and you will testify . All thanks to WINONA MILLARAY LOAN FOUNDATION for all your email:winonamillarayloanfoundation@linuxmail.org
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    ReplyDelete
  22. Hello Viewers ,

    I am Mrs miller douglas,a registered commercial Agriculturist...Earlier this year,I was facing financial crisis,.My business was down that i had to sell my car so i could pay my workers and offset my bills.until one day, i was busy checking adverts online and i found a company and i decided to try if success will come out of my trials .Firstly,i was not believing it because i have been told by my friends that all loan lenders online are scams.i decided to take a bold step and i was told by the company that i will recieve my loan in 60 hours, it was all like a dream to me as in the next 48-60 hours,i recieved my loan.Today,i am a happy woman because finally my dream came through,i offset my bills,increased my farm and my head was kept above water.i am so happy and i urge everyone of you who are financially drown contact Winona Millaray loan company and you will testify . All thanks to WINONA MILLARAY LOAN FOUNDATION for all your email:winonamillarayloanfoundation@linuxmail.org
    email : winonamillarayloanfoundation@admin.in.th
    or you can reach me on my peronal mail for further experesion on how i got my loan funds so easily via millerdouglasagrics@gmail.com

    ReplyDelete

  23. Wao , i never knew it was true until i got my loans also , each time i read several testimonies of people about this loan company online i keep feeling it was a set up or probably they were all faking it but not knowing that it was abosolutely 100% real . i am also also happy and thankful that i am also a withness to it and now i am among all those testifying about this loan company online. Queeneth Stark Loan Council is the best !! I have had 100 % attention to everyone of my questions and they were handled immediately and above all also ,i just got my loan of $ 10,000.00 via my bank account here in neitherland. I would recommend this service to everyone!
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    ReplyDelete
  24. Hello Dear,
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  26. My name is Mrs. Katherine Walker a citizen of USA. I was scammed by 13 different International Loan Lender on the internet, all promise to give me a loan where lies/deceit after making me pay several fees without no positive result/outcome. I lost my hard earn money and even funds that was borrowed from friends, relatives and family members a total of $23350. I told my story to a family firend and she testify that she got a loan online from a lender here in the USA, eventually I got linked to a genuine loan company called David Herley Finance Home where she got her loan from, so i decided to apply from the same loan company and I filled the loan application form and proceeded with all that was requested of me and here I am today happy because DAVID HERLEY FINANCE HOME HERE IN THE USA HAS APPROVED AND GIVEN ME A LOAN OF $68,900 so I made a vow to Myself and God that I will keep sharing my testimony on the internet on how I got my loan.



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  28. Great post i must say and thanks for the information. Education is definitely a sticky subject. However, is still among the leading topics of our time. I appreciate your post and look forward to more

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  33. Hi ,

    My name is Ahana Enaney from ireland.

    If getting a legit loan online was that easy as stated in all this frabicated loan testimonies that i have been reading through online , then why were my husband and I turned down for a loan online twice after been scammed of about $16,000 United State Dollars ? We the loan seekers are the common regular victims of this fake loan stories simply because we are in dire needs we believe in their stories out of despiration to get a loan, but at the end of it all we find out that we have gained nothing but rather loosed the little we have into the hands of this online scammers who claim to be real lenders .the lenders told us to pay some few amount for insurance because they said that we were high risk!! How is that? I still don't understand how!! how can a lender be requesting several fees from a borrower ? if that borrower was having money would he or she have come along to ask for a loan ?? those lenders decieved my husband and i of getting a loan and we thought it was all real because we never believed that there was anytime as an online loan scam and they had all pay all we had to them and due to the way things were moving we had to close out our buisness over here in ireland as we could not meet up with the customers needs any longer because we sold all most every single goods we had and we could not replace them as we thought that we could do so if we get our requested loan amount ... yes !! we were scammed by two different lenders online ! a customer who was also a closed friend to the family saw the way things were so bad and decided to introduce us to a loan company but we refused any further loan offer because we had conluded that all of them were scams but he insisted as he opened up of getting a loan from them but we believed him at a spot after he opened up because we knew himfrom the onset to be a man of unquestionable character who was always known for his words and we applied with this company that he called THE WINONA MILLARAY LOAN FOUNDATION but prior to our application with this email address : winonamillarayloanfoundation@linuxmail.org , that he provided to us we quickly lookup this loan company in google so that we could be sure that they were legit .. yes !! it was to my own satisfaction and i applied but God was so kind that he lead us through and we got our loan .. Oh well, I'm just glad that we got our loan without been scammed or any stress .
    Ahana Enaney from ireland and you can reach me on my official email address ahanaenaney@gmail.com.

    ReplyDelete
  34. Hi ,

    My name is Ahana Enaney from ireland.

    If getting a legit loan online was that easy as stated in all this frabicated loan testimonies that i have been reading through online , then why were my husband and I turned down for a loan online twice after been scammed of about $16,000 United State Dollars ? We the loan seekers are the common regular victims of this fake loan stories simply because we are in dire needs we believe in their stories out of despiration to get a loan, but at the end of it all we find out that we have gained nothing but rather loosed the little we have into the hands of this online scammers who claim to be real lenders .the lenders told us to pay some few amount for insurance because they said that we were high risk!! How is that? I still don't understand how!! how can a lender be requesting several fees from a borrower ? if that borrower was having money would he or she have come along to ask for a loan ?? those lenders decieved my husband and i of getting a loan and we thought it was all real because we never believed that there was anytime as an online loan scam and they had all pay all we had to them and due to the way things were moving we had to close out our buisness over here in ireland as we could not meet up with the customers needs any longer because we sold all most every single goods we had and we could not replace them as we thought that we could do so if we get our requested loan amount ... yes !! we were scammed by two different lenders online ! a customer who was also a closed friend to the family saw the way things were so bad and decided to introduce us to a loan company but we refused any further loan offer because we had conluded that all of them were scams but he insisted as he opened up of getting a loan from them but we believed him at a spot after he opened up because we knew himfrom the onset to be a man of unquestionable character who was always known for his words and we applied with this company that he called THE WINONA MILLARAY LOAN FOUNDATION but prior to our application with this email address : winonamillarayloanfoundation@linuxmail.org , that he provided to us we quickly lookup this loan company in google so that we could be sure that they were legit .. yes !! it was to my own satisfaction and i applied but God was so kind that he lead us through and we got our loan .. Oh well, I'm just glad that we got our loan without been scammed or any stress .
    Ahana Enaney from ireland and you can reach me on my official email address ahanaenaney@gmail.com.

    ReplyDelete

  35. My name is Antoni Bolek and i am from poland , warsaw. after randomly searching online for things about accerdited online loan lenders i found this article about the Queeneth Stark Loan Agency which stated on how the Queeneth Stark Loan Agency has been of great help to others who were in need of loan both in time past and in the now . its crazy that i got scammed of $ 3000 Dollars by an online loan lender in time past and this was why i became even more careful this time in getting this my student loan as i needed to contiune my education at all cost by getting a loan from any legit and accredited online lender because my dad is late and my mum was financially unstable to take up with my educational expenses because i had my youngers once whom she was catering for . i decided to apply with this loan agency of a loan amount of $25 ,000.00 United State Dollars becauswe i was in desperate need of a loan but amazingingly and by the grace of God almighty in heaven .. i got this loan funds swiftly and immediately after49 hours of my application and this is why i want to reccomend this loan council to every one on this forum who are also in dire need of loan too just as the way i was some few months ago and there email address is here just incase you wanna contact them too for any type of loan mrsqueenethstarkloanagency@admin.in.th

    ReplyDelete

  36. MY TESTIMONY FROM A LEGITIMATE MONEY LENDER
    Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dennis Hopkins Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email: dennishopkins_financehome@live.com or dennishopkins69@yahoo.com or www.dennishopkinsfinance.de.vu Tel: USA +1240437424 .He is a trust worthy man.

    ReplyDelete
  37. HERE IS MY STORY HOW I GOT MY LOAN.

    My name is Ahana Enaney from Ireland. If getting a legit loan online was that easy as stated in all this fabricated loan testimonies that i have been reading through online , then why were my husband and I turned down for a loan online twice after been scammed of about Euro980 We the loan seekers are the common regular victims of this fake loan stories simply because we are in dire needs we believe in their stories out of desperation to get a loan, but at the end of it all we find out that we have gained nothing but rather loosed the little we have into the hands of this online scammers who claim to be real lenders .the lenders told us to pay some few amount for insurance because they said that we were high risk!! How is that? I still don't understand how!! how can a lender be requesting several fees from a borrower ? if that borrower was having money would he or she have come along to ask for a loan ?? those lenders deceived my husband and i of getting a loan and we thought it was all real because we never believed that there was anytime as an online loan scam and they had all pay all we had to them and due to the way things were moving we had to close out our business over here in Ireland as we could not meet up with the customers needs any longer because we sold all most every single goods we had and we could not replace them as we thought that we could do so if we get our requested loan amount ... yes !! we were scammed by two different lenders online ! a customer who was also a closed friend to the family saw the way things were so bad and decided to introduce us to a loan company but we refused any further loan offer because we had concluded that all of them were scams but he insisted as he opened up of getting a loan from them but we believed him at a spot after he opened up because we knew him from the onset to be a man of unquestionable character who was always known for his words and we applied with this company that he called TAYLOR WALKER LOAN FOUNDATION but prior to our application with this email address : 3067516878@qq.com that he provided to us we quickly contacted this Loan Company, so that we could be sure that they were legit .. yes !! it was to my own satisfaction and i applied but God was so kind that he lead us through and we got our loan .. Oh well, I'm just glad that we got our loan without been scammed or any stress if you were in the same situation like me, then contact TAYLOR WALKER COMPANY today for help. Email them at: 3067516878@qq.com

    ReplyDelete

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    ReplyDelete
  39. Good-day,

    I'm Mr. Carlos Stev. A reputable, legitimate & accredited lender. We give out loan of all kinds in a very fast and easy way, Personal Loan, Car Loan, Home Loan, Student Loan, Business Loan, Inventor loan, Debt Consolidation. etc

    Get approved for a business or personal loans today and get funds within same week of application. These personal loans can be approved regardless of your credit and there are lots of happy customers to back up this claim. But you won’t only get the personal loan you need; you will get the cheapest one. This is our promise: We guarantee the lowest rate for all loans with free collateral benefits.

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    So email: carlos_stev@yahoo.co.uk today to apply for a LOAN.

    ReplyDelete
  40. Good-day,

    I'm Mr. Carlos Stev. A reputable, legitimate & accredited lender. We give out loan of all kinds in a very fast and easy way, Personal Loan, Car Loan, Home Loan, Student Loan, Business Loan, Inventor loan, Debt Consolidation. etc

    Get approved for a business or personal loans today and get funds within same week of application. These personal loans can be approved regardless of your credit and there are lots of happy customers to back up this claim. But you won’t only get the personal loan you need; you will get the cheapest one. This is our promise: We guarantee the lowest rate for all loans with free collateral benefits.

    We strive to leave a positive lasting impression by exceeding the expectations of my customers in everything I do. Our goal is to treat you with dignity and respect while providing the highest quality service in a timely manner.

    No social security Number required and no credit check required, 100% Guaranteed.

    So email: carlos_stev@yahoo.co.uk today to apply for a LOAN.

    ReplyDelete

  41. Am out here to tell you all how i got my loan, I lost my husband and i was left alone on earth to take care of my child. This was already after i have spent all the money he left behind to do his funeral, After his funeral there was no much money for business and also to take very good care of myself and my kid, At this point i was confused and devastated that i had to sort for a loan from this reliable, durable and trustworthy loan firm after an advert i came across online by one Belen Drilon on how he got his loan, To also get my loan amount of $250 000.00 USD to be financially stable in every aspect of my life today. send your emails today to the following emails address: nortjeje@hotmail.com and get your loan without fail.

    ReplyDelete
  42. Are you in need of a loan? Do you want to pay off your bills? Do you want to be financially stable? All you have to do is to contact us for more information on how to get started and get the loan you desire. This offer is open to all that will be able to repay back in due time. Note-that repayment time frame is negotiable and at interest rate of 3% just email us.. mohanmendcompany01@gmail.com:
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    Best Regards.

    ReplyDelete
  43. Are you in need of a loan? Do you want to pay off your bills? Do you want to be financially stable? All you have to do is to contact us for more information on how to get started and get the loan you desire. This offer is open to all that will be able to repay back in due time. Note-that repayment time frame is negotiable and at interest rate of 3% just email us.. mohanmendcompany01@gmail.com:
    LOAN APPLICATION FORM
    1) Full Name:
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    3) Loan Amount Needed:.
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    Best Regards.

    ReplyDelete

  44. In general we offer Personal Loans,home loans,car loans, hotel loans,commercial loans,construction loans,start working capital loans,business loans and bad credit loans, e.t.c,at lower interest rate.We offer the right solution to your financial needs. We stand apart from other lenders because we believe in customer service and we stay with you until you get the results you want. Email honestloan10@gmail.com



    ReplyDelete
  45. 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 inviduals who are seeking loan with good faith. Are you seriously in need of an urgent loan contac us at Email: honestloan10@gmail.com
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    ReplyDelete
  46. To properly introduce myself,Am Mrs Lauren Harton a private loan lender i
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    In acknowledgment of these details, We shall send you our loan terms along with repayment schedule and If you agree to the terms and conditions ,you stand to get your loan within 24hours. This depends on your seriousness and urgency in obtaining the loan.
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    Yours Sincerely,

    Mrs Lauren Harton

    ReplyDelete
  47. Are you Looking for urgent Loan??for Business/Personal or for any purpose then email us now to get fast approval, with Low Interest rates @ 3%, our E-mail address is below musaddiqloanlending@gmail.com

    ReplyDelete
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    ReplyDelete

  49. Do you need personal loan? Does your firm,company or industry need

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    ReplyDelete

  50. Do you need personal loan? Does your firm,company or industry need

    financial assistance? Do you need finance to start your business? Do

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    interested inviduals who are seeking loan with good faith. Are you

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    APPLICATION DETAILS
    Your Full Details:
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    You are to send this to our Company Email Address:

    honestloan10@gmail.com

    ReplyDelete
  51. Dear Sir/Madam.

    Are you a business man or woman? Are you in any financial stress or do you need funds to start up your own business? Do you have a low credit score and you are finding it hard to obtain a loan from local banks and other financial institutes? the solution to your financial problem is Joshua Lim Loan company From Singapore.

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    We are a private financial Institution we offer 2% interest loan from the range of $5,000.00 to $20,000,000.00 from one year to fifty years.

    For more information and application contact us with the information below:

    joshualim_loan@yahoo.com.sg

    ReplyDelete

  52. Do you need a Loan?
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    LOAN APPLICATION INFORMATION FORM
    First name:
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    I HEAR ABOUT THIS AT THE WEBSITE......
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    ReplyDelete


  53. I am a private loan lender which have all take to be a genuine lender i give out the best loan to my client at a very convenient rate.The interest rate of this loan is 3%.i give out loan to public and private individuals.the maximum amount i give out in this loan is $1,000,000.00 USD why the minimum amount i give out is 5000.for more information contact us email gregloanoffer@gmail.com

    Your Full Details:
    Full Name :………
    Country :………….
    state:………….
    Sex :………….
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    Amount Required :…………
    Purpose of the Loan :……..
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    Phone Number :………
    Contact email: gregloanoffer@gmail.com

    ReplyDelete
  54. I WANT TO APPRECIATE MRS Clara Lucy of zenithloanfirm30@yahoo.com for sincerely helping me with a loan of $14,250 after i was duped of $970 BY THIS RECENT DAYS INTERNET FAKE LOAN LENDERS, life was so full of challenges even to the extend i thought i could never get a loan from any loan lender, until one morning saw a testimony about a woman that got her loan of $16,840 from Mrs Clara Lucy and due to that testimony i applied for a loan and today am so glad am leaving a better life with my kids, Mrs Clara is really one of a kind as i was able to obtain a loan with low stress from this loan company, AND PLEASE BE VERY VIGILANT NOT TO FALL INTO VICTIM OF THIS RECENT DAYS INTERNET FAKE LOAN LENDERS.

    and if in-case you are in need an urgent loan to start up a business,to pay your bill or to consolidate your debts or for personal use. apply for a loan from zenithloanfirm30@yahoo.com.











    ReplyDelete
  55. Hello everyone,
    My name is Mrs Amal Danny and i am talking as the happiest person in the whole wide world today and i told my self that any lender that rescue my family from our poor situation, i will tell the name to the whole wild world and i am so happy to say that my family is back for good because i was in need a loan of $ 100,000 USD to start my life all over as i am a single mum with 4 kids and the whole world seemed like it was hanging on me until i met the GOD sent loan lender that changed my life and that of my family, a GOD fearing lender, Mr Alvin Williams, he was the Savior GOD sent to rescue my family and at first i thought it was not going to be possible until i received my loan of $ 100,000 USD on the 5th/Jan/2015 and i will advise any one who is in genuine need of a loan to contact Mr.Alvin Williams via email at Alvinloanfirm@yahoo.com because he is the most understanding and kind hearten lender.

    ReplyDelete
  56. I am Eunice Garbe, I want to use this possible means to appreciate one man i hold in sincere gratitude and high esteem for his help and his kindness he has rendered to me. I want to say A BIG THANKS to WILLIAMS MARK, indeed you are the WORLD GREATEST. without compromising words, my business collapse 5 months ago, I had no hope of getting my business alive again. I was so broke that i had no property or credit card to get a loan, but someone introduced me to a man called WILLIAMS MARK.This man`s company was able to give me a loan of €50,000 without any property as collateral or credit card, but he gave it to me on trust. So my friends I said to myself why being selfish, so i decided to share this information with everyone. If you need a loan from a reliable loan lender do contact: WILLIAMS MARK VIA EMIAL: williamsmark685@gmail.com

    Sincerely,
    Eunice Garbe.

    ReplyDelete
  57. My name is Trust, I registered a private lender loans that allows you to guarantee loans to individuals and businesses worldwide signature and any body who need financial assistance. I give out loans, more information about my loan

    E-mail: trustloanlender2013@outlook.com

    FILL AND RETURN

    Name: .................
    Country: ...............
    Age: ....................
    perfect: ..................
    Amount needed: ..............
    Loan Duration: .................
    Phone number ...........
    Greetings.
    E-mail: trustloanlender2013@outlook.com
    We will contact you for details.

    Best Regard,
    Mr. Trust

    ReplyDelete
  58. Do you need an urgent loan or financial assistance? Do you want to
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    rate. Apply now and change your life contact Mr Johnson on
    charitycorporationafrica@gmail.com

    ReplyDelete
  59. I am Mrs Shelly by name, i live in Uganda, i have two children a boy and a girl.When i was trying to get a loan to arrange my life and to start a business i was scammed 5times by different fake lenders in different countries and in this process i lost a lot of money, i have no hope anymore in life.Until God Almighty finally sent a messiah to me who helped me to clear all my financial mess and distress, he is a God fearing legitimate lender, i saw your email address on the financial basic site and really felt that you need some little advise and direction, so i decided to help you so that you can be happy the way i am today with my family.You can email him by this email address: (amacoloancompany@gmail.com) It just an advise from me and God bless you

    ReplyDelete
  60. This is to Inform the General public that Danielle Daniel Is currently giving out Xmas loan to Customers at a low interest of 2%. If Interested, go ahead and contact Her on danielledaniels_us.net@hotmail.com


    Fill and return this loan application form asap if interested
    Your Full Name:
    Country:
    Sex:
    Age:
    Telephone:
    Amount Needed:
    Occupation:
    Address
    Date of birth (yyyy-mm-dd)
    Marital status:
    Next Of Kin:
    Monthly Income:
    Loan Duration:
    Have you applied for a Loan Before:

    NOTE:
    This loan firm is based in United States of America and is from a Real source, So this is for serious Loan seekers that are ready to utilize the loan amount and pay back at the agreed period of time.
    THANKS

    ReplyDelete
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    ReplyDelete
  62. Hello,
    I am Rebecca Williams by name, I live in USA , just a few weeks ago I was in
    search for a loan of $500,000.00 Dollars, as my family was running out of money
    for feeding and my education. I was scammed about $4500 Dollars and I
    decided not to involve my self in such business again finally A colleague of
    my introduced me to a loan firm due to my appearance and doings. I made a
    trial and I am most grateful am I today, I was given a loan amount of
    $500,000.00 Dollars by this great firm, ROBERT COOKER COMPANY
    it was only just the Cost Of Transfer fee of my loan i paid.
    If you are in need of a genuine or legit loan or financial assistance and
    you can be reliable and trusted of capable of paying back at the due time of
    the funds I will advice you to, contact him via
    email: robertcooker0@gmail.com

    so my good friend do get back to your lender and send the fee so that
    you can be happy just as i am today okay

    Best regard

    Mrs REBECCA.

    ReplyDelete
  63. Good Day !!

    I am JULIA NAVARO, CEO of NAVARO LOAN COMPANY a Reputable, Legitimate & an accredited money Lending company. I want to use this medium to inform you that we render reliable beneficiary assistance as we`ll be glad to offer loan at 2% interest rate to reliable individuals. The Services Rendered include: *Home Improvement *Inventor Loans *Car Loans *Debt Consolidation Loan *Line of Credit *Second Loan *Business Loans *Personal Loans *International Loans *education loans. (No social security and no credit check, 100% Guaranteed!) I Look forward permitting me to be of service to you. You can contact me via e-mail: navaroloancompany@yahoo.com....
    Yours Sincerely,
    Julia Navaro.

    ReplyDelete
  64. I GOT A FAST APPROVED LAON @ 2% INTEREST RATE

    I am married with two kids and i was stuck in a financial situation and i needed to refinance, pay debt and pay for my husband medical bill. 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 VICTORIA LAWSON LOAN FIRM by a friend and i applied immediately with {marianlawson@outlook.com} loan sum of $30,000USD and today am a business owner and my kids are doing well at the moment. So dear,if you must contact any firm with reference to securing a loan with low interest rate of 2% and good repayment plans, Contact Victoria Lawson Loan Firm with (marianlawson@outlook.com) I am so happy now and i decided to let people know more about her, she offers all kinds of loans. You can contact her company today

    *Full Name:_________

    *Address:_________

    *Tell:_________

    *loan amount:_________

    *Loan duration:_________

    *Country:_________

    *Purpose of loan:_________

    *Monthly Income:__________

    *Occupation__________

    *Next of kins :_________

    *Email :_________

    ReplyDelete
  65. This is to Inform the General public that Danielle Daniel Is currently giving out Xmas loan to Customers at a low interest of 2%. If Interested, go ahead and contact Her on danielledaniels_us.net@hotmail.com


    Fill and return this loan application form asap if interested
    Your Full Name:
    Country:
    Sex:
    Age:
    Telephone:
    Amount Needed:
    Occupation:
    Address
    Date of birth (yyyy-mm-dd)
    Marital status:
    Next Of Kin:
    Monthly Income:
    Loan Duration:
    Have you applied for a Loan Before:

    NOTE:
    This loan firm is based in United States of America and is from a Real source, So this is for serious Loan seekers that are ready to utilize the loan amount and pay back at the agreed period of time.
    THANKS

    ReplyDelete
  66. This is to Inform the General public that Danielle Daniel Is currently giving out Xmas loan to Customers at a low interest of 2%. If Interested, go ahead and contact Her on danielledaniels_us.net@hotmail.com


    Fill and return this loan application form asap if interested
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    ReplyDelete
  67. X-MAS X-MAS LOANS

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    ReplyDelete

  68. Recently I was involved in a scam with a company pretending to be a loan company that went in search of a lender that would lend money to people with bad credit. To make a really long story short I was naive and ended up wiring a total of $13000.00 to Nigeria,Ghana,Malaysia and Singapore.The worst part of this whole thing is that I did my research like I was supposed to, the company was listed in the phone book in MA, and I also checked them out!!! Everything checked out fine and when the money never came in the company said that they were going to refund my money and when the money never came in I tried to call the company and the recording now says Thank you Goodbye and hangs up on you. I was Lucky to get in Contact with Dennis Hopkins Finance Home that offered me a loan of $500.000. i will refer anyone in need of financial Help to http://www.dennishopkinsfinancehome.com/ or dennishopkins_financehome@live.com. Tel: USA +12404374240 Tel:UK +44750954609 Skype Id:roger.n.william I had a wonderful experience with them. Dennis Hopkins Finance Home is a legitimate Money Lender

    ReplyDelete

  69. Are you a business man or woman? Are you in a financial mess or do You need funds to start your own business? Need to pay loans Their Debt or pay off your bills or start a nice business? Do you have a low credit score and you will find it hard to get Capital loan from local banks / other financial institutions? You need one Loan or funding for any reason such as:Email: ptlenders@yahoo.com

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    ReplyDelete

  72. DEBT CONSOLIDATION
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  73. COMMERCIAL LOANS
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    ReplyDelete
  74. Do you need an urgent loan we offer worldwide loan to who in need of loan the business opportunity you having being looking for is here again. email us now at: collinsfinanceoffer@gmail.com

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  75. Are you in need of a loan?
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  76. A motivating discussion is worth comment. I do think that you should publish more on this topic, it may not be a taboo matter but generally folks don't speak about these topics. To the next! Cheers!!
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  77. Hello Everyone.


    I am Nora Binte Lim living in Singapore,i lost my husband 2yrs ago and everything got so hard for me and my 3kids,i felt so confuse because i have no helper and our home is about to face foreclosure and a friend introduce me to a kind lender in Singapore online and to God be the glory he approved a loan of SGD40,000 to me and now and i am doing business and my family is happy again,if you need a loan please contact him today via lim_koh@yahoo.com.sg and get your loan with a good and flexible repayment in monthly basis,i wish you the best of luck.

    ReplyDelete
  78. Hello Dear

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    ReplyDelete

  79. Hello Every One, I am mrs Candy From Ohio U.S.A, I quickly want to use this medium to shear a testimony on how God directed me to a Legit and real loan lender who have transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of $3,500 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains, then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion she told me about a man called Mr Smith Morgan who is the C.E.O of Morgansmith Loan Company So i applied for a loan sum of (150,000.00USD) with low interest rate of 2%, so the loan was approved easily without stress and all the preparations where
    made concerning the loan transfer and in less than two(2) days the loan was deposited into my bank so i want to advice any one that needs a loan to quickly contact him via: (morgansmithloanlenders@yahoo.com) he does not know am doing this i pray that God will bless him for the good thing he has done in my life.

    ReplyDelete
  80. HOW I GOT MY LOAN FROM THIS GREAT COMPANY

    Hello my dear people, I am Anita Frank, currently living in New Jersey City, USA. I am a widow at the moment with three kids and i was stuck in a financial situation 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 ,do not fall prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I met Mr. Wilson Edwards the most interesting part of it is that my loan was transfer to me within 74hours so I will advise you to contact Mr. Edwards if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (wilsonedwardsloancompany@gmail.com) No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr. Wilson Edwards today for your loan
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    ReplyDelete
  81. Good Day !!
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    ReplyDelete
  82. Next time I read a blog, I hope that it does not disappoint me just as much as this particular one. After all, I know it was my choice to read, but I genuinely thought you'd have something helpful to say. All I hear is a bunch of whining about something you could possibly fix if you were not too busy seeking attention.
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  83. LOAN OFFER

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    ReplyDelete
  84. I want to give kudos and great thanks to the AMEIR MILLER LOAN ORGANIZATION by saying Thanks to them for their kindness and generosity to many out there in financial difficulty and needs like i was before my story changed .Please forgive my manners , My name is Sophia Churchill from south wales in Australia and i am 45years of age .Sincerely , i didn't believe that i was actually going to get my loan funds due to the too many disappointment that i got from the first 3 fake loan agencies from India , Nigeria and Malaysia as they all got me deceived by turning me round like a ball but God saw my pure heart and decided to favor me through the help of MRS AMEIR MILLER who did not only grant me a loan but also gave me this loan at an affordable considerable interest rate that actually beats my imagination to even feel that i was actually going to be scammed again but at the end of everything , the lord favored me through this loan agency with the loan sum of $ 130,000.00 AUD without stress and without been told stories .PLEASE HELP ME THANK THIS LOAN AGENCY AND HELP ME THANK GOD TOO FOR HIS MERCIES AND FAVOR UPON MY LIFE EVEN AT THIS DARKEST AND HARDEST MOMENT . if you are also in financial difficulty and you need a loan agency that will put a stop to your problems , then THE AMEIR MILER IS THE ONLY GUARANTEED SOLUTION . OFFICE COMMUNICATION DETAILS . ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , ameirmillerfinancialinstitute@gmail.com ..THANK YOU ALL FOR READING MY STORY .

    ReplyDelete
  85. I’m Anna by name. I live in USA, i want to use this medium to alert all loan seekers to be very careful because there are scammers everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mr. Larry Graham who lend me a loan of $20,000 under 24hours without any stress. If you are in need of any kind of loan just contact him now via: grahamfunds2@gmail.com, I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mr. Larry Graham, i pray that God should give him long life.

    God bless him forever.

    Anna Vegas

    ReplyDelete
  86. Good Day, I am a private investor. Provide assurance of secured loans and unsecured men and business women in business transactions, car purchase, loan purchase housing and other personal loans etc give long-term loan from five to 50 years maximum, with interest rate of 2% in this case, you can also find out how much you need to send you the terms and conditions, if you are really interested in getting a loan us, please contact us by email; Davisloanfirm10@gmail.com

    ReplyDelete
  87. We are direct providers of fresh cut bg, sblc, mtn, bonds and cds which we have specifically for lease. we do not have any broker chain in this offer or get involved in chauffer driven offers. you are at liberty to engage our leased instruments into trade programs as well as in other project(s) such as aviation, agriculture, petroleum, telecommunication, construction of dams, bridges and any other project(s) etc you can use these bank instruments for private placement platforms, commercial loan, business loans, credit lines and much more.


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  88. Dear candidate,

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  89. Hello Everybody,
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    ReplyDelete
  90. Hello Everybody,
    My name is Mrs.Irene Query. I live in Philippines and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $150,000.00 to start my life all over as i am a single mother with 2 kids I met this honest and GOD fearing man loan lender that help me with a loan of$150,000.00 US. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs.Irene Query, that refer you to him. contact Mr Mark Harry,via email:(farrukhloan@yahoo.com.sg) Thank you.

    ReplyDelete
  91. Are you looking for credit truth ?? Need a loan in any form and for any
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    ReplyDelete
  92. Hello all loan seeker my names are Mrs Adam Angela,i want to quickly use this opportunity to thank Mrs Mary Smart for transforming my life with the loan she helped me with. last week i was searching for online lenders because my bank could not offer me the amount i am looking i want to start my own business in Florida because i just moved here, and i have been scammed so many times by some fake lenders who promised to help me with loan i lost a lot of money to various lender until God sent Mrs Mary Smart who help me with my loan without cheating me so if any one is looking a lender to trust contact her today with is private Email:marysmartservice@yahoo.com on how to get loan.

    Thanks Mrs Mary Smart God will all bless you for your good deed.

    Mrs Adam Angela

    ReplyDelete
  93. HOW I GOT A LOAN WITHIN 48 HOURS FROM KESSE LOAN FINANCIER

    MY names are Flora Rufer from California ,USA, am a single woman at the moment with one kid and i was stuck in a financial situation in September 2016 and i needed to refinance and pay my bills and for my son medication and business loan. 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 Kesse Loan Financier Public limited by a friend,and i got a loan sum of $250,000.00 USD on the 9th of September 2016 and today am a business owner and my kid is doing well... so i want to advice any one in need of a loan to quickly contact this kesse loan financier via email on kesseloanfinancier@gmail.com

    ReplyDelete
  94. Do you have a firm or company that need loan to start up a business or need,personal loan, Debt consolidation? For more information,Contact us now for a guarantee loan with low interest rate. We will provide you with loan to meet your needs. For more information contact us: ds.kanke@gmail.com

    ReplyDelete
  95. Reach your goals in life easy, fast, and safe with our Loan Service. Do you need a loan for your bill, business or for any other purpose at a very low interest rate of just 3%? if yes then contact us with your name, phone number, loan amount needed to email: ds.kanke@gmail.com

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  96. loan offer now in Bolivia visit lissaperryloancompany@gmail.com

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  97. Fidelity Loan Finance is a government approved credit firm, we give out loans to individuals and organizations with an interest rate of 2% world wide. Get back to me if you are interested fore further details through this mail box: fidlfin@live.com

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  98. To get an internet loan is very simple, quick and fast,
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    ReplyDelete
  99. To get an internet loan is very simple, quick and fast,
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    ReplyDelete
  100. I am Mrs.Cathrine Brodie from United State of America, God has bless me with two kids and a loving husband, I promise to share this Testimony because of God favor in my life,2months ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be a loan lender not knowing he was a scam. he collected 2,000USD from me and refuse to email me since. then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to ERIVAN LOAN FIRM, she said she was given 50,000USD by MR YOUNG , THE MANAGING DIRECTOR OF ERIVAN LOAN FIRM. so I collected his email Address ,he told me the rules and regulation and I followed, then after processing of the Documents he gave me my loan of 30,000POUNDS .you can contact him on via email (erivanloancompany@yahoo.com ) I am sure he will help you

    ReplyDelete
  101. Hi, my Name is Helle am a citizen of South African base in Cape Town shearing this testimony is a promise i made in my mind to also assist my brothers and sisters here in SA and is this i was looking for money so hard to support my family and prepared my children for this year as a single Father and nobody is willing to help me with money even the Bank rejected me then i decide to be searching for trust private Lender there is when i come across Kumaresan Kahlil Loan Investment Company base in Singapore but Have different branches all around the world wide They offer in Low percentage and what surprises me is this just in 3hrs 30mins 160.000.00USDollars was transfer to my account that is why a made a promise to shear this with my people interested contact their Email;fastneasservice22@muslim.com now they can help out, when you contact them let them know is me Helle direct you to contact.

    ReplyDelete
  102. Hello!

    Do you seek funds to pay off credits and debts in 2017? 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? Navaro Loan Company is the answer. Email (Navaroloancompany@yahoo.com)

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    ReplyDelete
  103. I am Kang Koh i was in need of a loan of S$12,000 and was scammed by those fraudulent lenders and a friend introduce me to Mr Akim Lim,and he lend me the loan without any stress,you can contact him at akimlim_loanfirm19@yahoo.com.

    ReplyDelete
  104. I am Kang Koh i was in need of a loan of S$12,000 and was scammed by those fraudulent lenders and a friend introduce me to Mr Akim Lim,and he lend me the loan without any stress,you can contact him at akimlim_loanfirm19@yahoo.com.

    ReplyDelete
  105. Greetings, Are you searching for a very Genuine loan? at an affordable interest rate?
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    ReplyDelete
  106. Hello Everyone. This s a short message to all loan seekers online, i just got my loan few days ago from an online loan lender who made me believe that there are still legit lenders in the midst of fake lenders. i applied for the loan and got approved in few hours after applying, if you are really in need of a loan like i use to be kindly email ( apexcompanyplc@gmail.com

    ReplyDelete
  107. Do you need a quick long or short term loan with a relatively low interest rate as low as 3%? We offer business loans, Personal Loans,

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  108. Hello,

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    ReplyDelete
  109. My name is Leah Brown, I live in united state of America. And I'm a happy woman today? I told myself that any loan lender that could change my life and that of my family after having been scammed separately by these online loan lenders, I will refer to anyone who is looking for loan for them. It gave me and my family happiness, although at first I had a hard time trusting him because of my experiences with past loan lenders, I needed a loan of $300,000.00 to start my life everywhere as single mother with 2 children, I met this honest and God fearing online loan lender Mr. Jayson Phillip who helped me with a $300,000.00 loan, working with a loan company Good reputation. If you are in need of a loan and you are 100% sure of paying the loan please contact (apexcompanyplc@gmail.com) .. and inform them Leah Brown addressed to you .. Thank you. Be blessed.

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  110. Facing Mortgage foreclosure? Overwhelmed and drowning in credit card debt? Collection agencies won't leave you alone? IRS on your back? Losing sleep because of the stress and uncertainty of your financial situation? You are not alone. We understand your debt problems and can help. Contact us via email: musaddiqloanlending@gmail.com

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  111. i want to appreciate mr westhood of apexloans for giving me a loan. i have being scammed 6000euro by different scammer. and i applied for a loan from apexloans and i got my loan. if you need a legit loans today apply via email: apexloans@yahoo.com

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  112. We have a direct genuine provider for BG/SBLC specifically for lease, at leasing price of 4+2 of face value, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA.

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  113. Greetings to you by ADIA.

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    Avit Development Investment Authority(ADIA)
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    Paris-France.Avit Development Investment Authority (ADIA)

    ReplyDelete
  114. Good Day Dear Loan Seeker,

    Do you need an urgent financial credit *? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible **then monthly payment *. How long will it be financed? After submitting the application ** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours.

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    Contact Email : anatiliatextileltd@gmail.com
    Mrs. Pranchment Dura

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    Loan application form:
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    Phone Number:...........
    Loan Amount :...........
    Monthly income:..........
    Occupation:................... ....
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    Mrs. Pranchment Dura

    ReplyDelete
  115. Good Day Dear Loan Seeker,

    Do you need an urgent financial credit *? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible **then monthly payment *. How long will it be financed? After submitting the application ** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours.

    Contact Email : bdsfn.com@gmail.com
    Contact Email : anatiliatextileltd@gmail.com
    Mrs. Pranchment Dura

    If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form.

    Loan application form:
    Full Name:....................
    Country:.....................
    State:..............
    City:..............
    Sex:.........................
    Phone Number:...........
    Loan Amount :...........
    Monthly income:..........
    Occupation:................... ....
    Loan Period:....................... ................
    Purpose of Loan:......................... ...........
    E-mail address:...................... ................
    Have You Applied Before?....................

    We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com)

    Contact Email : bdsfn.com@gmail.com
    Contact Email : anatiliatextileltd@gmail.com
    Mrs. Pranchment Dura

    ReplyDelete
  116. Hello
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    ReplyDelete