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!

133 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.

    ReplyDelete
    Replies
    1. 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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      Delete
    2. Hello everyone my name is Anna Barger, am here to testify how i was scammed by various loan lender from this site.I was in need of a loan and i applied from various loan lenders from this very site.They asked me to pay some amount of money at different basis but i never get my loan.This was how i lost the sum of 5000USD .I was now in debt because i borrowed the money from a friend.One day a friend of mine introduce me to Elvin Morrison.He told me how he has helped him with loan at several cases without any delay.I was scared and never believe him.He urge me to trust him,this was how i as introduce to him through his email{elvinloancompany@yahoo.com}.He told me he will offer me the loan that i only need to comply with them.I did as he told me and without any delay,i received my loan as he earlier promise.
      Am here to tell you that most of the loan lenders in this site are scammers. If you truly need a genuine loan please meet Elvin Morrison through his email elvinloancompany@yahoo.com.He is a registered reliable loan lender.

      Delete
    3. Good day Loan Seekers Solution for your financial problems......

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      Delete
    4. Good day Loan Seekers Solution for your financial problems......

      We are a fully registered and certified loan firm, that offers secured and unsecured loans to individuals and companies at a very low interest rate of 2%. We offer long and short term loans.Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. 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 are a group of energetic and experienced loan professionals with thorough knowledge of financial markets.In general we offer mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans construction loans car loans, hotel loans Xmas loans Our interest rate is 2% per annual repaid, our loan takes a maximum of 12 working hours,to get to all approved customers across the globe.You can contact us via elvinloancompany@yahoo.com or on our web page http://elvinloancompany.bravesites.com

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    5. Attention All,
      Do you have a bad credit? Do you need money to pay bills? Do you need to start up a new business? Do you have unfinished project at hand due to bad financing? Do you need money to invest in some area of specialization which will profit you? and you don’t know what to do? Well you are in the right place and we are here to make your dream come to reality, we offer personal ,business loans, combination loans, students loans, consolidation loans and so more [secure and unsecured]. We give out loan with low interest rate of 3% .So do visit us now via {clydesdaleloancompany@yahoo.com or clydesdaleloancooperation@hotmail.com} or Tel: (347) 708-8926

      Thanks for your cooperation
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      Delete
    6. How My Life Was Transform by Mr Martinez Lexie

      My Name is Nicole Marie from Ohio, United State and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life, As i am a struggling mum with two kids and i have been going through a serious problem as my husband encountered a terrible accident last two weeks, and the doctors stated that he needs to undergo a delicate surgery for him to be able to walk again and i could not afford the bills for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i ran to my father and he was not able to help me, then when i was browsing through yahoo answers i came across a God fearing man (Mr Martinez Lexie) who provides loans at an affordable interest rate and i have been hearing about so many scams on the Internet mostly Africa, but at this my desperate situation, i had no choice than to give it an attempt due to the fact that the company is from United State of America, and surprisingly it was all like a dream, i received a loan of $82,000.00 USD and i payed for my husband surgery and thank GOD today he is ok and can walk, my family is happy and i said to myself that i will shout to the world the wonders this great and God fearing Man Mr Martinez Lexie did for me and my family; so if anyone is in genuine and serious need of a loan do contact this GOD fearing man via Email: ( Lexieloancompany@yahoo.com ) or through the Company website: http://lexieloans.bravesites.com OR text: +18168926958 thanks



      Delete
  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. All taxes have a purpose all 2013 tax bracketsgo to some government funded program or project of some sort. It does not matter if we see the projects or not the money is going there. When you drive to work the same way you do every day and you don't hit that pothole you swear at two or three times a week did you notice it was filled in.

    ReplyDelete
  6. 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
    Replies
    1. Good day Loan Seekers Solution for your financial problems......

      We are a fully registered and certified loan firm, that offers secured and unsecured loans to individuals and companies at a very low interest rate of 2%. We offer long and short term loans.Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. 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 are a group of energetic and experienced loan professionals with thorough knowledge of financial markets.In general we offer mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans construction loans car loans, hotel loans Xmas loans Our interest rate is 2% per annual repaid, our loan takes a maximum of 3 working days,to get to all approved customers across the globe.You can contact us via elvinloancompany@yahoo.com or http://elvinloancompany.bravesites.com

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

    ReplyDelete
  9. 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!

      Delete
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    ReplyDelete
  12. I am Binte Ahmadu,from Singapore,i want you to help me to thank Mr Lim Koh Loans Firm who lend me S$150,000 so if you are in need of any loan please contact him via email now,lim.koh56@yahoo.com,just tell him that Mrs Binte introduced you to him as i have promised him that if he proved legit to me by offering me the loan without a collateral and a con signer, that i am going to recommend my friends and all that i came across that are in need of loan thanks and congratulation in advance as i wish you the best of luck.

    ReplyDelete
  13. Do you need a Loan?
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    We offer Loans atlow interest rate.
    Interested people should please contact us on
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    Please, do provide us with the Following information if interested.
    1) Full Name:.........
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    )Which site did you here about us.....................
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    www.(easyloanoffer1@gmail.com)

    ReplyDelete
  14. Hello my dear people do not full 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. Steve Brown the most interesting part of it is that my loan was transfer to me within 74hours so I well advice you to contact Mr. Brown if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… stevebrownloan4@hotmail.com ( or) stevebrown012@gmail.com
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    When it comes to financial crisis and loan then Steve Brown loan financial is the place to go please just tell him I Mrs. Anita Wilson direct you Good Luck>>>>>>>>>>

    ReplyDelete
  15. Good Day,
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    Email: chuateo_loansfirm@yahoo.com.sg

    ReplyDelete
  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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    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
  17. 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
  18. 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 .

    ReplyDelete
  19. Hello everyone, My name is Mrs. Linda Frank and i am talking as the happiest person in the whole wild world today and i told myself 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 $ 73,000 USD to start my life all over as i am a single mum with 2 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. Steve of Steve Brown Loan Financial , he was the saviour GOD sent to rescue my family and at first i thought it was not going to be possible until i received my loan of $ 73,000 USD and i will advise anyone who is in genuine need of a loan to contact Mr. Steve Brown via email at. (stevebrownloan4@hotmail.com) OR (stevebrown012@gmail.com ) because he is the most understanding and kind hearted lender.

    ReplyDelete
  20. Hello, Are you from Europe, Canada, Asia, America, Africa or England searching for a very Genuine Loan? At an affordable interest rate? Processed within 2 t0 4 working days. Have you been turned down constantly by your Banks and other financial institutions? Are you blacklisted or has low credit rate? Easy Loans and Financial consultant is here to make loan easy for you. Urgently contact us today at Johnemmanuelloanfirm@gmail.com (or) Johnemmanuelloanfirm@outlook.com for more information.

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    ReplyDelete
    Replies
    1. 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.

      Delete
  22. End your financial worries today:

    I am from Guyana I can smile with this God Fearing man I received a loan of $75,000 and two of my colleagues have also received loans from this man without any difficulty. I advise you not to choose the wrong person if you actually apply for a cash loan for your project and any other. I publish this message because Mr.Andres Williams made me feel blessed with his loan. It is through a friend I met this honest and generous God fearing man who helped me get this loan fund to regulate your life, You needed financial help, You are stuck, No access to bank credit, or do not have the benefit of a bank, you need to finance your construction, real estate development, creating your own business up your personal business, you have seen and need to make money, a bad credit or need money to pay bills or debts. So I advise you out there to kindly contact and meet you for the services you ask of him. His contact address: andresloanfirm07@live.com
    Contact him for more information, be clear and honest.

    His Email: andresloanfirm07@live.com

    ReplyDelete

  23. 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
  24. 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

  25. 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!
    here is the details that i used in contacting them : mrsqueenethstarkloanagency@admin.in.th

    Mrs Zoe Amber.
    Neitherland.

    ReplyDelete
  26. Hello Dear,
    Are you in debt? Do you need an instant funding? Do you dream of owning a house, Car and good Business? Do you need a loan ahead for the Christmas family vacation? Have you been in search of a legitimate loan and been turned down severally? If YES" Search no further.
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    Serious and interested applicants should please contact us via email today:lim.koh56@yahoo.com and be free from all your financial troubles.
    NOTE:we will save you from payday loans that are making billions from the prey of the poor.
    Best Regards.
    Mr.Lim Koh

    ReplyDelete
  27. Do you need a Loan?
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    ReplyDelete
  28. 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.



    Website: www.dherleyfinancehome.net
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  29. This is such a great resource that you are providing and you give it away for free. I enjoy seeing websites that understand the value of providing a prime resource for free. I truly loved reading your post.

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  30. 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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  32. 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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  33. 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 honestloan10@gmail.com
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    ReplyDelete
  34. 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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  35. 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
  36. 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

  37. 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

  38. MY TESTIMONY FROM A LEGITIMATE MONEY LENDER
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  40. 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

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  43. Good-day,

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  44. 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.

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  45. 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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  58. 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

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  59. 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.

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  60. Hello everyone,
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  61. 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

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  64. Good day Loan Seekers Solution for your financial problems......

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  67. 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

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  74. 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


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  75. 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


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  78. 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


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  80. MY TESTIMONY FROM A LEGITIMATE MONEY LENDER
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  81. 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

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    ReplyDelete
  104. 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
  105. 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
  106. Are you looking for credit truth ?? Need a loan in any form and for any
    reason ?? We are here to help you in the end as we offer reliable lending
    interest rate of only 3%. Borrowers interested should contact us now at (
    Churchill.investment88@gmail.com) and get a loan today.

    ReplyDelete
  107. 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
  108. 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
  109. 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
  110. 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

    Contact us via E-mail: ds.kanke@gmail.com

    ReplyDelete
  111. loan offer now in Bolivia visit lissaperryloancompany@gmail.com

    ReplyDelete
  112. 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

    ReplyDelete
  113. To get an internet loan is very simple, quick and fast,
    you can get a good internet loan in 48 hours,
    i got my loan in 48 hours just yesterday here,
    internet loan is good when you apply for loan from a good company,
    a good company that loves the customers,
    a good company that help the borrowers,
    if you want to get loan from a good company then contact this email: jackballard396@gmail.com or jackballard396@yahoo.com
    i got my loan from them and i am very happy.

    contact if you need financial help: jackballard396@gmail.com or jackballard396@yahoo.com

    regards

    ReplyDelete
  114. To get an internet loan is very simple, quick and fast,
    you can get a good internet loan in 48 hours,
    i got my loan in 48 hours just yesterday here,
    internet loan is good when you apply for loan from a good company,
    a good company that loves the customers,
    a good company that help the borrowers,
    if you want to get loan from a good company then contact this email: jackballard396@gmail.com or jackballard396@yahoo.com
    i got my loan from them and i am very happy.

    contact if you need financial help: jackballard396@gmail.com or jackballard396@yahoo.com

    regards

    ReplyDelete
  115. 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
  116. 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
  117. 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)

    We offer the following types of loans

    *Debt Consolidation Loans
    *Business Loans
    *Personal Loans
    *Home Loans
    *Car Finance
    *Commercial Loans
    *Investments Loans
    *E.T.C

    Note: We give you loan with a low interest rate of 2% and loan duration of 1 to 40 years to pay back the loan (secure and unsecure) in 2017. 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 {Navaroloancompany@yahoo.com}


    ReplyDelete
  118. 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
  119. 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
  120. Greetings, Are you searching for a very Genuine loan? at an affordable interest rate?
    processed within 2 to 3 working days. Have you been turned down constantly by your Banks and other financial institutions? The good news is here !!!
    We Offer loans ranging from $1,000.00 to $50,000,000.00 at low interest rate of 2% only per annum. Do you need financial assistance for developing businesses with a competitive edge/business
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    efficient, Fast and dynamic. and a co-operate
    financier for real estate and any kinds of business
    financing, if interested please contact us via our email-jasonnicoleloanfirm@gmail.com

    God bless you as we look forward to doing business with you.

    ReplyDelete