Highlights From The Wall Street Physician’s 1st Year

Updated on January 25th, 2018
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The Wall Street Physician blog recently turned one year old. Thank you so much for making the blog’s first year a success.

I know that most of you haven’t been reading the blog since I published my first post in January 2017.

Since the blog has more than 160 posts totaling well over 100,000 words, I wanted to bring you some of the highlights from the Wall Street Physician blog’s first year in this post. Feel free to browse around the links below and check out some of the articles you might find interesting.

If you like the blog, don’t forget to subscribe to the e-mail list so that you get the monthly newsletter and new post notifications. I’d also love it if you could like me on Facebook and Twitter if you haven’t already.

Investing

I personally invest in index funds, and have written extensively about the benefits of index fund investing. The first number I look at in a mutual fund is its fees, and saving money on fees could be worth hundreds of thousands of dollars over your career. Definitely don’t pick one of these very expensive funds.

Investing isn’t complicated — all you need are three index funds.

I’ve shown readers how to build a three-fund portfolio consisting of U.S. stocks, international stocks, and U.S. bonds at Vanguard, Fidelity, or Schwab. Currently, Schwab is the place to build a three-fund portfolio with the lowest cost, but with all three firms cutting costs, we may reach a day where there is an index fund with a 0.00% expense ratio. I personally invest at Fidelity, and Vanguard is the market leader in index fund investing.

The bull market has been going on for nearly 9 years, and many people are antsy that the stock market is overvalued. But don’t try to time the market, because the bull market is just as likely to end in 2025 as 2018.

Trading

Because I was a former Wall Street trader, you’d think there’d be many posts on how to trade stocks or options.

On the contrary, I’ve emphasized to my readers the reasons why you shouldn’t trade. Most traders underperform the market for various reasons, including because most published trading strategies don’t work, especially if they have only backtested results or promise a sky-high “win” rate.

Minimize your time dealing with these people.

Indeed, Warren Buffett recently won a $1 million bet that the S&P 500 would outperform a portfolio of hedge funds. However, many people need to learn their lessons themselves, so I’ve written about how to minimize the damage if you must trade.

Some investors have advantages that you and I don’t have, and my Wall Street Profiles series highlights their stories. I’ve profiled Jim Simons, Carl Icahn, Donald Trump, and others. However, being smart doesn’t mean you’ll succeed in the stock market. Long-Term Capital Management lost billions of dollars despite having a trading dream team, including Nobel Prize winner.

Personal Finance

The most basic rule of finance is to spend less than you earn. This rule is most important for physicians when they get their first big paycheck after residency. It’s important to develop good savings habits, and the best way to win the savings race is to sprint, not pace yourself like a marathon.

After a certain point, personal finance becomes mostly about preferences. There are many ways to save money, and it might be easier to save on a few big-ticket items rather than on the Starbucks latte.

When you get into personal finance and investing, it’s easy to micromanage your portfolio and check your investments too frequently. Sometimes, it’s not all about the math, and simplicity is sometimes best in personal finance.

Retirement

Life is short, and many physicians retire later than they would have wanted to. It’s important to know how much you need to save for retirement and make sure you have an adequate savings rate.

If we manage our finances correctly, we’ll be able to spend more time in places like here during retirement.

Once you’ve made it to retirement, don’t switch your portfolio to 100% bonds. Most investors will want at least 50% of their retirement portfolio in stocks in order to maximize the probability that their nest egg will last their entire retirement.

Conclusion

All the links in this post represent less than a quarter of the posts that I’ve written in the first year. I hope you found an article or two that you like from this post.

I’ve written a lot in the first year of the Wall Street Physician, and I’ve got a lot more I want to write about in Year 2. I hope you’ll stick around and continue to visit the website. Feel free to contact me if you’ve got a question or a post you’d like to see on the blog. My mission is to always educate and entertain as we work together to navigate the crazy world of finance.

-Wall Street Physician

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  35. As confusing as credit scores can be, most people get the basic concept: You want a high score, not a low one. Ideally, you’re not anywhere near the bottom of the range, but it is possible to have a 300 credit score on a 300 to 850 scale. The good news: A very small portion of the population has such a score when you contact this great hacker. Do not lose this opportunity and I’m here to express him to those who need his assistance all over the world. Get more details about him including clearing your debts, late payments and negative reports on your credit score.. DARKWEBCYBERSERVICE (at) Gmail .com.

  36. My appreciation gratitude goes out to Aaron Swartz, Aaron Swartz did what is impossible to fixed. He wiped all negative items collections and raised my score to 794 and I get to apply for loans and also to purchase a car without any issues. He also added a seasoned line of credit for me and I’m living happily with my family. You can hit him up on AARONSWARTZCYBERSERVICES@GMAIL.COM

  37. I had an eviction, judgement and quite a number of other negative items on my report with a low 540 credit score. These prevented me from getting a mortgage until I contacted him. After he finished working on my report in no time, my credit score increased to 840 excellent, all the negative items on my report were deleted permanently and he added good stuffs (Mortgage tradelines, Installment tradelines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and I’m very happy.You can contact him for similar help. BILLYHOFFMANCYBERGENIUS@GMAIL.COM Or 724 241-8469

  38. I know an organization who have private investigators for hire who can help you get into your spouse’s phones,emails remotely from your phone they can also help you with your
    * credit score
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    You can confirm for yourself from their website https://wavedrive.tech so you can also give your testimony

  39. I had to leave this post here as a sign of gratitude since that is one of the least BRIXTON asked of me. From my calculations, I made $25,200 in 1-week trading but unfortunately lost it all after I tried to participate in an airdrop, I became very devastated until I read some wonderful reviews about WIZARD BRIXTON. I feel so much joy right now because BRIXTON did come through for me by getting my money back from those scam artists, my advice is for you to be mindful of the links you click online to avoid losing your money. The experience of losing your money to a scammer is not funny no matter how much. Feel free to ask me more hanswilton3@gmail.com or contact WIZARD BRIXTON via
    EMAIL : WIZARDBRIXTON(AT) GMAIL (DOT) COM
    WHATS-APPS : (+1- /807-23 ) 4-0428 .

  40. ADRIAN LAMO CYBER EXPERT is just what you need, my Husband and I are living testimonies, they made it possible by removing all bad records, bank and credit debt, evictions, late payments from my husband’s credit report and also increased his credit score from 450 to 835, We finally secured a loan, got a house, a car and our medical bills have just been settled with ease. Do yourself good by contacting ADRIAN LAMO if you need permanent repair via mail ADRIANLAMOCYBEREXPERT@GMAIL.COM Or via text (413) 551-2034

  41. Aaron Swartz Cyber Service has been the best credit doctor ever since I get in touch with him. I came up with the idea to increase my credit score and wipe away all negative collections items on my credit report. He raised my score to 790 and also delete the negative items I had within few days. His contact: AARONSWARTZCYBERSERVICES@GMAIL.COM

  42. We searched for a credit expert on a review to help us fix our credit profile and we agreed to trust BILLY HOFFMAN CYBER GENIUS After we have read good reviews and trusted recommendations from people about him, we explained they negative items on our reports and he gave us a period of 48 hours. Eventually, we finally got an excellent result within 48 hours. Our score was boosted from 420 to 840 respectively. All debt were marked as paid, late payment appeared as on time payment and without trace. You can get in touch with him via mail BILLYHOFFMANCYBERGENIUS@GMAIL.COM Or via text (724) 241-8469

  43. I was looking at my credit report and for the last few months I have had 100% on time payments to my new creditors that I have open accounts with trying to rebuild my credit with. I got into my credit karma account this morning to find an account that was bought out by the company. They have had this account for a while now and now they are showing that I have a late payment with them. I have never set up anything with them as far as scheduling a payment plan of any kind. Well I’m using this opportunity to announce the right repairer who gets his work done at the right time without delaying anyone. I was lost earlier but now I’m proud of myself after this genius worked into my credit report and I got it confirmed from my credit karma. Get more details about credit score from him right here.. SPYINVESTORS @GMAIL DOT COM

  44. DO you know if you were ever late with a payment for several months and they never reported it to your credit. OR It’s showing it was always on time. It was actually a cc payment where I got behind but still paid something every month. Because they go forward not backwards…..Almost like paying less than the minimum it was never reported late and now I’m currently on balance. I asked a question from an anonymous person and he got my attention to WEB SERVICE. Finally my negative reports and mortgage debts were wiped away through the service and I’m definitely glad to review the best and reliable hacker over here. Do contact him for a low credit score, criminal record and more at his email address. darkwebcyberservice AT GMAIL DOTCOM

  45. I needed a Jeep for my family but I had a very poor credit score which declined me from getting loans. So I contacted Aaron Swartz to fix my credit profile for me. He raise my FICO score to a very encouraging limit of 825 excellent standard and cleared the hard inquiries on my credit report. Get him on his regular contact mail of communication: AARONSWARTZCYBERSERVICES@GMAIL.COM

  46. I had to leave this post here as a sign of gratitude since that is one of the least BRIXTON asked of me. From my calculations, I made $25,200 in 1-week trading but unfortunately lost it all after I tried to participate in an airdrop, I became very devastated until I read some wonderful reviews about WIZARD BRIXTON. I feel so much joy right now because BRIXTON did come through for me by getting my money back from those scam artists, my advice is for you to be mindful of the links you click online to avoid losing your money. The experience of losing your money to a scammer is not funny no matter how much. Feel free to ask me more hanswilton3@gmail.com or contact WIZARD BRIXTON via
    EMAIL : WIZARDBRIXTON(AT) GMAIL (DOT) COM
    WHATS-APPS : (+1- /807-23 ) 4-0428 .

  47. I want to say a Big thank you to Aaron Swartz for repairing my credit report in a different style. He help me to raise my FICO scores to 804 and also paying off my credit card debts on USAA, Capital One card and Amex card. He also cleared student loan and other negative items on credit report in 7 working days. Honest and hardworking hacker. His contact: AARONSWARTZCYBERSERVICES@GMAIL.COM

  48. IS IT POSSIBLE TO ACTUALLY GET BACK FUNDS LOST TO CRYPTOCURRENCY SCAM? ABSOLUTELY YES! BUT, YOU MUST CONTACT THE RIGHT AGENCY TO ACHIEVE THIS.

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  49. I saw someone drop info under comment section on how he was helped to repair his credit. I was interested in knowing more and if the hacker still does this. I had poor credit, a old bankruptcy and problems with getting approved for a apartment due to 2 broken leases from the past which I explained to TROVIAN when I contact Them. They cleaned my credit and boost my credit score within few days of knowing them. Everyone having credit issues should reach them at TROVIANCREDITREPAIR@GMAIL.COM you can also text them with the following details: +1 (424) 307 4562.

  50. I have been struggling with my credit for the past 3 years now yet no good result on my credit report. Reaching out with BILLYHOFFMAN was a quick turn around, he got my credit fixed and raised my score to 840 and also deleted all the negatives i.e late payment, hard inquiries, collections and bankruptcy from my credit report. Gladly purchased a home for my family and also got approved for auto loan. Big thanks to BILLYHOFFMAN. Reach out with him on BILLYHOFFMANCYBERGENIUS@GMAIL.COM OR Text (724) 241-8469

  51. I started playing lottery games 3 years ago and I have never won big sums. I went online to seek help on how I can win big in my lottery games and I saw some nice reviews about Dr Amber who has made different people huge winners in their lottery games with his prayers. I gave it a try and I contacted Dr Amber who told me how and what to do before I can become a big lottery winner and I accepted. He made special prayers for me at his temple and gave me the required numbers to play the lottery game and when I played it, I won a massive $235.4 million POWERBALL jackpot. I was so happy and I chose to receive my winnings in a one-time, lump-sum payment of $160,038,447.27 at Florida Lottery Headquarters in Tallahassee and the balance was given to the store that I bought & played the game from. I would love other people to seek help from him and he can be contacted through +1 (808) 481-5132 via call/text or email: amberlotterytemple@yahoo.com

  52. Trovian Credit Repair has proved to be the most competent and fastest in terms of fixing credit issue. They are trusted by thousands of mortgage professionals due to their diligent works. With the few days have worked with them, I can boldly tell you that they are the best when it comes to fixing credit issues like bankruptcy ,DUI ,criminal record, student loan, and other negative items . You can reach out to them if you have any related issues with the following detail: TROVIANCREDITREPAIR @ GMAIL . COM text: +1 (424) 307 4562 and be rest assured of a permanent clean job.

  53. Until I applied for a job three months ago, I always thought that credit scores only affect my ability to get a loan. I went to an interview and passed the 1st and 2nd term. With my performance, I was very confident in getting a job. Imagine the surprise and disappointment of not being able to get a job because of bad credit. I was angry and frustrated, so when I asked for help on the internet, I came across Wilson Young’s post, which was helped by the 760PLUS CREDIT SCORE. I looked them up, they were highly rated, so I contacted them to fix my credit. They helped me raise my credit score from the original 491 to 767 and also removed inquiries, collections, card debt, judgments and charges from my credit. They also added a good trade line to my report. Thanks to them, I am now hired with a good salary. If you had been declined for a job or loan due to bad credit, I recommend contacting us at 760PLUSCREDITSCORE @ GMAIL . COM. They are the best in terms of credit repair.

  54. CONTACT US FOR ALL KINDS OF HACKING JOBs @ We offer professional hacking services,we offer the following services; -University grades changing -Bank accounts hack -Erase criminal records hack -Facebook hack -Twitters hack -email accounts hack -Grade Changes hack Contact us on whatsapp + 1 681 532 3704 Email- n17833408@gmail.com

  55. At times, our own light goes out and is rekindled by a spark from another person, thank you for saving my life. I saw your comment on how you fixed their credit. He’s truly an expert. He improved my score to 840, cleared all hard inquiries, collections from my records. I never imagined my credit could be this great this soon. Countless thanks to Adrian Lamo for your help. Here I am also recommending his services to all and sundry needing genuine and permanent credit fix. Write him on (413) 551-2034 & adrianlamocyberexpert@gmail.com for credit card/loan payments and credit help.

  56. Few months ago I was homeless due to lack of payment, I was not be able to secure loan due to my FICO score. I saw a comment on Quora about fixing credit report, I found Aaron Swartz the credit doctor. Getting in touch with him turn around my debts got paid off, increase my FICO score to 180 points also remove hard inquiries which I got approved for Mortgage Loan to secure my dream apartment. His contact: AARONSWARTZCYBERSERVICES@GMAIL.COM

  57. If you feel stuck in your relationship/marriage knowing well that the connection and trust is broken but you don’t have enough evidence to break off then contact Dennis on DENNISDFIXER@GMAIL.COM or +1 609 451 7368. He can grant you access to your partners social media accounts, emails and text messages so you can be sure what your partner is up to.. he helped me with what I needed to finalize my divorce and gain custody.. get in touch with him if you in need of such help’

  58. IS IT POSSIBLE TO ACTUALLY GET BACK FUNDS LOST TO CRYPTOCURRENCY SCAM? ABSOLUTELY YES! BUT, YOU MUST CONTACT THE RIGHT AGENCY TO ACHIEVE THIS.

    Recovery Precinct is a financial regulator, private investigation and funds recovery body. We specialize in cases concerning cryptocurrency, FAKE investment schemes and recovery scam.

    Visit WWW. RECOVERYPRECINCT. COM now to report your case or contact our support team via the contact information below to get started.

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  59. Although I ultimately did not require his services. JEFFCLOUD was very friendly and knowledgeable, the consultation was very informative and if I do have any credit repair needs in the future I would not hesitate to call him. Am grateful with 819 score and also debts free with no negatives left on my credit report. His honest and helpful. Email him via JEFFCLOUDCREDITSOLUTION@GMAIL.COM

  60. Have you guys checked out TROVIAN CREDIT REPAIR? I never knew hackers could improve a poor credit score until i met one on a conversation forum when I Google how to improve my credit score, I read several reviews on how capable the team is in solving issues that has to do with credit reports. I emailed them and asked if they had the ability to raise credit score and also delete evictions. They replied yes and asked me for some personal details to enable them get through my profile. I gave everything they needed to get started with the job. They eventually made some amazing changes in my credit profile. This is my own way of saying thank you and we are forever indebted to TROVIAN. You can reach them Through TROVIANCREDITREPAIR@GMAIL.COM or text: +1 (424) 307 4562. They are 100% legit. Stays bless.

  61. I’m living my desired life today because of you Dr Benjamin, I can’t thank you enough for making my dream come through, I wouldn’t be the man that I am today if you didn’t help me win the lottery. A colleague at work told me about this great spell caster called Dr Benjamin who had helped his sister win lottery so when I got home that evening I told my wife about the lotto thing and she liked the idea, immediately we contacted Dr benjamin for help, he gave us assurance that we’re going to win but we need to follow his instructions which we did, after 24 hours he gave us the winning numbers and showed us where to play after some few day the winner numbers came out to my biggest surprise the numbers Dr Benjamin gave was among the winning numbers, behold I and my wife won EuroMillions jackpot winners the sum of £114,969,775.70 that was how our lives changed. Dr Benjamin I and my family are grateful for your help, thanks a million times. He can help you win too, you can contact him through his information
    Email : drbenjaminlottospell711@gmail.com
    Website : Drbenjamintemple.com
    Whatsapp: +13344539570
    Appreciation from Frances and Patrick Connolly

  62. I can’t even put into words how great these guys are, before even started working on my issues I was on the phone for almost an hour going over what effects a credit score and ways to improve it. That conversation alone was worth more than they charge me for my actual issue. They also did more than my expectation by increasing my score from 573 to high 805 also deleted the derogatory marks like hard inquiries, late payments, Chex System and DUI fix from my credit report. Do well to reach out with them on SKYLINKCYBERSERVICES@GMAIL.COM

  63. Hello guys paying your credit debts and boosting is also a form of investment. I learnt that by reading a forum on Quora. I heard a lot about this credit Repair on Quora by DARK WEB and how they have actually help people with their credit score, clear their credit card bills and help them maintain the best utilization, although I was a bit sceptical about trying them but again my credit score was sitting at 512 and I had nothing to lose so I gave him a try, I was shocked because in less than 1 weeks i got a credit score boost of 200 points and since then it has been going up, right now I’m on 800. They also gave me a proper breakdown of credit utilization which is very important as it covers 30% of our credit report. I was really tired of my score dropping every move I took to make it better but I’m glad I met the right person. Get more updates from him. DARKWEBCYBERSERVICE AT GMAIL DOT COM or +1 313 307 5801

  64. MY Life became a living hell when my wife left me without a trace, I decide to get a new house to enable me start afresh again but I got denied due to my low credit score. I got more worried, MY wife as mess up my life. I was so desperate on how I could get my credit score back on track; on the process I got ripe off twice by fake credit hackers. I lost interest in fixing my credit due to my past experience, but a friend came to my aid by referring me TROVIAN CREDIT REPAIR, I was scared at first but he encourage me to give it a try which am glad I did . I contacted them VIA TROVIANCREDITREPAIR@GMAIL.COM OR +1 (424) 307 4562 they got my profile cleaned up and raise my credit score to an excellent 799plus, the house loan has been granted. All thanks to TROVIAN. Kindly contact them today and you will be happy you did.

  65. I want to express how grateful I am to CYBERCRDITGURU a credible and reliable hacker who helped recovered the $45,000 I lost to scammers online and also hacked into my cheating husband’s mobile phone and social media accounts. I am married with 3 kids although my husband is extravagant and cheats on me with a lot of side chicks, he hardly comes home. Then I saw this investment platform online and decided to invest the sum of $45,000 to it, with the intention to grow it but I never got my money back neither capital nor profit. “I was scammed”. However, I discovered CYBERCREDITGURU through positive reviews read on MerchantCircle and reached out to them immediately on CYBERCREDITGURU (AT) GMAIL DOT COM and phone/text: +1 (650) 439 0624 and they helped recovered my lost $45,000 and helped me monitor my husband’s calls and social media accounts. I now have my husband back. I can’t thank them enough but give them a 5-star review as a token of my sincere appreciation. I strongly recommend them to anyone with related issues. Here is there contact again: CYBERCREDITGURU (AT) GMAIL DOT COM and phone/text: +1 (650) 439 0624

  66. Do you know that with Mastercard & Debit you can withdraw cash from any ATM machine !!! , we provide programmed ATM cards that can be used to raise cash in ATMs or push, shops and businesses. We sell these cards to all our customers and interested buyers worldwide, the cards have a daily withdrawal limit of $ 5000 at ATM and up to $ 100,000 spending limit in the stores.
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    CRYPTOCURRENCY MINING
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     EXPUNGEMENT SERVICES
     BITCOIN INVESTMENTS
     REMOVAL OF NAME FROM DEBIT RECORD AND CRIMINAL RECORDING
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  67. Life became very terrible and unfair when you are not able to afford the basic things for your family. Imagine not being able to send your kids to a better school or get a good home, car or loan. Simply because I had a poor credit. I had suffered terribly for the past NINE MONTHS due to a low credit score caused by eviction, collections, late payments and hard inquiries. I had to contact Skyplus760 Credit Solution, a credit repair company. They literally saved me from my traumatizing experience. They increased my score to 815 excellent score and removed the negative and derogatory Items on my credit report. This review is in order to encourage you to do something about your bad credit by contacting (skyplus760 credit compay). It took just 7days for things to change. My life is better now because I can provide for my family. Try them and see your life will never remain the same after using their service, you can Contact them via: Skyplus760 Credit Solution At Gmail Dot Com or Call/WhatsApp (443)  987  6452 and be thankful to me cheers..

  68. In need of any hacking services Instagram hack(real followers verification and so on) or in need hacking service like bitcoin mining or you are you suspecting your spouse that’s he/she is cheating then your search has stopped I can help you with any of that services you can hit our site for more information https://wavedrive.tech

  69. I just have to introduce this hacker that I have been working with him on getting my credit score been boosted across the Equifax, TransUnion and Experian report. He made a lot of good changes on my credit report by erasing all the past eviction, bad collections and DUI off my credit report history and also increased my FICO score above 848 across my three credit bureaus report you can contact him for all kind of hacks . Email him via ADRIANLAMOCYBEREXPERT@GMAIL.COM and thank me later

  70. Despite the FAKE hackers out there, Aaron Swartz got you covered 100% without no traces. He help me increase my FICO score to your satisfaction want and delete negatives items like late payments, chapter 7 bankruptcy and hard inquiries from my credit report within 72 hours. Successfully purchase my dream Mansion for my Family. This is a GREAT time of the year to fixed your credit report. Contact him ; AARONSWARTZCYBERSERVICES@GMAIL.COM ; Cell #: +1(614) 344-8376

  71. Don’t fall victim like I previously did.. reach out to Dennis, a computer guru that is into credit repairs, deleting negatIves, phones and emails hack and recovering lost or stolen cryptocurrencies. Contact him on DENNISDFIXER at gmail. Com OR +16094517368. You can say Nikki Church referred you to get a discount.,

  72. i want to sincerely appreciate Billy Hoffman for his help, sometimes in January I came across his email and phone number online regarding fixing of credit, I contacted him and he changed my life by cleaning up my credit report and raising my credit score over 780, I cant begin to explain how much this means to me, he’s the solution to our problems in this country, hit him up via mail BILLYHOFFMANCYBERGENIUS@GMAIL.COM or Text (724) 241-8469, i trust and believe in him, I’m a living testimony.

  73. Excited about my credit today, I had a bad credit score of 470 getting in touch with a hacker who nearly ruined my life for over 4 months, after I spent $3000 on my credit yet no good result on my credit report. Going on research on Google I saw many good testimonies about this credit expert genuine and trustworthy ADRIAN LAMO CYBER EXPERT reaching out with him was a quick turn around he got my debts cleaned up and raised my score from 470 to 845 with all the negatives deleted permanently on my credit report. Gladly appreciated Email him via ADRIANLAMOCYBEREXPERT@GMAIL.COM Or Text (413) 551-2034

  74. Billy did a fantastic job on my credit, I had a very low credit score I couldn’t get approved for any credit cards, which was very disappointing for me. I started Fixing my credit this month of 2022. and now my credit score is 840+ with all the negatives record deleted permanently on my credit report. I’m the happiest man on earth now. You can reach him out via mail billyhoffmancybergenius@gmail.com or via text (724) 241-8469

  75. Hello everyone, I got my credit report fixed with the help of my co-worker which recommend Aaron Swartz to me. He deleted my IRS and liens from my report and raise my credit score from a low 455 to a high 790.  He also clear all debts both bank account and credit cards within few weeks. He is really God’s sent to me. He can help you too. Contact him ; AARONSWARTZCYBERSERVICES@GMAIL.COM ; Cell #: +1(614) 344-8376

  76. I lost my job few months back and there was no way to get income for my family, things was so tough and I couldn’t get anything for my children, not until a met a recommendation on a page writing how Mr Bernie Wilfred helped a lady in getting a huge amount of profit every 6 working days on trading with his management on the cryptocurrency Market, to be honest I never believe it but I took the risk to take a loan of $1000. and I contacted him unbelievable and I was so happy I earn $12,500 in 6 working days, the most joy is that I can now take care of my family I don’t know how to appreciate your good work Mr. Bernie Doran God will continue to bless you for being a life saver I have no way to appreciate you than to tell people about your good services.
For a perfect investment and good strategies contact Mr Bernie Doran via WhatsApp :+1(424)285-0682 or Telegram : @Bernie_doran_fx or Email : Bernie.doranfx01@gmail.com

  77. I would like to first thank CYBERTRON for your fantastic service. Thanks to your heroic input I now have my credit back on track. Credit repair companies i signed up with in the past did so little, i was screwed for a long time and continually got turned down on loan and credit applications. Then you were recommended to me by a lady who is your regular client. The money I paid for your services has paid for itself by the great low interest rates I now get. I have told all my friends who are in the same situation that they need to sign up too! My credit is great and for all the newcomers: Yes, there is a light at the end of the tunnel! Go ahead and touch base with the fixer via {CYBERTRONCREDIT (@) GMAIL.COM // WHATSAPP: (512)-240-2493}

  78. I honestly, decided not to make use of any hacker on Goggle , I am still far less likely to use Google services because of how bad i was ripped off. The stress of being a university student who needed that money was definitely a multiplier, but at the end i got the honest person have been waiting for who help me upgrade my school grades to the point i want and he also help me clear my bills on my student loan, and late payment this how i wish to appreciate his good works by referring him to the world. Reach him through his email on Kmax Cyber Services At Gmail Dot Com and you will be the next to review about his good jobs. Cheers…

  79. Avoid late payments of your bills, loans and mortgage as this can offset your score. Lower your credit utilization as this betters your score significantly. Also, If you know someone who got great credit( a parent, sibling or spouse), asking them to add you on to one of their credit cards as an authorized user is a speedy shortcut to a better score. However these processes i highlighted might take long to yield dividends. When my credit was in a mess, I employed the services of a Repair Team spearheaded by highly renowned CYBERTRON who succeeded in erasing the negatives on my credit report permanently & also boosting my score to high 700’s. Right now i can comfortably acquire loans and credit facilities without delay. His contacts are: [Email: CYBERTRONCREDIT @ GMAIL . COM, Whatsapp: (512)-240-2493]. Do not wallow in misery no more.

  80. You’re in absolute control over your credit score, no matter if it’s in the low 400’s or high 700’s. The cost of poor credit is massive. You will pay higher interest rates, require larger down payments, and ultimately life will be expensive compared to one with an excellent credit. The game of credit score ratings never ends hence why I keep my family hacker [CYBERTRONCREDIT @ GMAIL.COM ] close-by. He deletes all negative items (eviction, medical bills, bankruptcy, student loans, judgments, etc.) off credit reports and substitutes them with good tradelines. He repairs credit in 7 business days and on the 8th day you can pull your report and confirm the good changes on your report. He can be reached on the email above or if you prefer texting on Whatsapp: (512)-240-2493. This is a vital information!

  81. i am very glad shearing this my amazing testimony on how Dr Kachi help me win the lottery, i have been living in hell for the past 4years since i have no job, and had been playing lottery for a long time but I have no luck playing to win, but everything changed when I saw a marvelous testimonies of a woman, Elena online saying on how Dr Kachi help her to win Euro Millions, I love playing Mega Millions lottery but winning big is always the issue for me. I will never forget the day I came in contact with Dr Kachi whose great lottery spell cast made me a winner of $3,000,000 million dollars. Dr Kachi gave me guaranteed lucky winning numbers within 24hours to play the lottery after he prepared the lottery spell for me. My financial status has changed for good, Dr Kachi truly you are the best, this has been the best thing that has ever happened to me in my life. If you want to win a lottery never give up contact Dr Kachi WhatsApp number: +1 (570) 775-3362 OR Email: drkachispellcast@gmail.com

  82. I am smiling so big right now, Aaron Swartz help me fixed my credit report within days. He wipe off bad items, criminal records, raise my FICO score from 420 to 800 in 72hrs now I got approved for the loan I applied for and we’re happily living well all thanks to Aaron Swartz he is indeed a credit guru in all rounds.  Contact AARONSWARTZCYBERSERVICES@GMAIL.COM

  83. If you are in need of a very good hacker please contact adrianlamocyberexpert@gmail.com he just worked for me today and am still in shock because i never knew true and good hackers still exist..this great hacker granted me access to my spouse phone and i got to see that my spouse has been cheating on me since last year after hacking into his phone i read a lot from his whats-app messages with women and this hacker also brought me deleted text messages of my spouse phone from last year till date.Am so happy to have this hacker to work for me thanks to him. if you also need help contact him via mail ADRIANLAMOCYBEREXPERT@GMAIL.COM Or Via text (413) 551-2034 cause he is cheap and affordable. He can also hack into any database, delete record, improve credit score, as long as it’s hack.

  84. I was in distress and in dire need of an upgrade to support my business and family. My FICO scores were really poor and i had numerous doubt till i met CYBERTRON a renowned cyber expert. I really needed this service but I barely trusted the source due to several ripoff attempts on me. To my surprise, he only asked for few info about me and a payment that’s worth the value. after 5days my report came out sound with positive trade lines posted on it including a revolving credit card and a 790 credit score. I really appreciate the selfless work of humanity he does and well worth my recommendation. See for yourself and contact ( CYBERTRONCREDIT @ GMAIL.COM; or Whatsapp: (512)-240-2493). Feel free to use my name as a reference.

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  86. About 4 negative items has been on my credit report typically for seven years, without getting to know how to fix them until I came across this hacker who helped me in wiping away all the negative items and bad collections across my credit report without any physical contact. He also raised my FICO Score above 840 across the three credit bureaus report approximately and got a new apartment to move in with my family. Just contact him via BILLYHOFFMANCYBERGENIUS@GMAIL.COM Or Text (724) 241-8469

  87. I have a great testimony to share! Last week I was pre-qualified for the home loan which I struggled to obtain prior to your assistance. I qualified with an A+ rating with no negative reports on my credit. Yes, “CYBERTRON” removed a judgement, tax lien, late payments, an eviction records on my credit report. My mid FICO score two weeks after hiring him was a 780 which made me a well qualified home buyer.
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  88. How do I start this review? honestly I do not enjoy writing much, but I have to let the world know about this genius that helped me. Seriously I needed a home for my family, but I couldn’t get one because of the evictions, two late payments from 2020 on a credit card, charge off on my record and 540 TransUnion, I read many good reviews about Aaron Swartz online. 3 days after I contacted, He increased my score to 802 and improved my credit profile by removing the evictions, charge off, late payments and other negatives, I sincerely acknowledge their relentless efforts and urge you to contact them for any credit related issue via Mail AARONSWARTZCYBERSERVICES@GMAIL.COM ; Cell #: +1(614) 344-8376

  89. It’s a privilege to share this to the world. You deserve all the praise that comes to you. DR Amber has been a blessing to me since our encounter on the internet. He alone knows it all. I love him so much for his kindness, care, honesty and his help in the life of everyone that has come in contact with him. If not for DR Amber how would I have been able to survive this hardship. His spell made me a LOTTO MAX winner of 60 Million Dollars making my whole life beautiful and amazing. The numbers he gave me to play the lottery was a life changing number from grass to grace and I want to say I’m forever grateful to him. Thank you sir for being a blessing to the helpless. Anyone reading this that needs help can communicate with DR Amber online for indeed he has no match. Website: amberlottotemple.com OR Email: amberlottotemple@yahoo.com

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  91. ALL THANKS TO DR AYOOLA.. for helping me win lottery game I am so grateful to those who publish his name on the internet for people like us to see him i have been playing lottery for so many years now and it has not been easy for me and my family I loss my job when I have a motor accident and ever since then I was not able to do anything my wife as been the one feeding me and the little money I got I always use it to play lottery and nothing is working for me until I got a testimony on the internet about this man call Dr Ayoola how he is helping people all over the world winning lottery so I was amaze and I contacted him as well and tell him what I want and how I got his email he promise me that I’m going to win which I was happy and believe him because of the way he talk to me he was so sure of what he was saying and he gave me 24 hours to give me the winning number and after the 24 hours he call and told me what I need to do which I did and told I’m so happy to tell you that Dr Ayoola has make me a millionaire with the number he gave me to play I will advise you to contact this great man if you are a lottery player so you can win and be apart of the people he has help Dr Ayoola is God sent to human problem he has help many to achieve there dream and he is still helping a lot of people our there so if you are seeing this my testimony you are very lucky because this is how I saw it and my life was change by knowing him contact him today and your story will be changed for good,, contact him today drayoolasolutionhome@gmail.com

  92. My appreciation goes out to Andrew Huang Credit Repairer. Who helped me increase my FICO score to 820 excellent across the 3-credit bureau and erase eviction and other negative item on my report, and added good trade lines within days. Am so grateful to have him fix my credit report with the help of andrewhuangcreditrepairer@gmail.com

  93. Sincerely there’s no quick fix for your credit except you contact the right person and luckily Adrian Lamo got me rejoicing after several try with some wrong people . Adrian Lamo was referred to me by my uncle when I was bitterly battling with my derogatory Credit Report. My score went to 810 from 410 with no negatives and debts… I am so happy I had to come put him out here for who ever might be in need to make smarter financial decisions . Network him via mail adrianlamocyberexpert@gmail.com or via text (413) 551-2034

  94. A few weeks ago i got acquisition of a 2019 choice car well at 2.9%, rather than 19% as per my last car purchase before help from ‘CYBERTRON’. However this purchase as well as the BANK loan for a business would NOT have been possible without him. He got busy from day 1 of hiring him and relentlessly pursued the creditors, and made them VERIFY any and all credit that was supposedly established in my name, and the credit that could NOT be verified, was deleted from my credit report ! ALL THREE reports ! ((unlike other credit repair companies or hackers whom I’ve hired and got absolutely NO results)). I have been able to enjoy the Privilege of good credit once again, and I have actually been able to monitor and see my score going up, and the derogatory credit dismissed from the bureaus. So in closing don’t get discouraged about your current credit debacle, i wallowed in it for too long until i touched base with this Life-Saver via [Email: CYBERTRONCREDIT @ GMAIL.COM; or Whatsapp: +1(512)-240-2493].
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  97. I am Diana Margaret by name from England, so excited to quickly Appreciate Dr Kachi. who helped me win a lot of money a few weeks ago in the lottery, I was addicted of playing the lottery game, I’ve never won a big amount in the Euromillions lotteries, but other than losing my ticket, I always play when the jackpot is big. I believe that someday I might as well be the lucky winner. I was in the Aldi supermarket store buying a lottery ticket when I overheard Newsagents reveal saying what happens when someone win a National Lottery jackpot in their shop by a powerful doctor called Dr Kachi, i was not easily convince at first so i went online to do some research about Dr Kachi I saw different kind of manifest of testimony how he have help a lot of people to win big lottery game in all over the worldwide, that was what trigger me to contact Dr Kachi i decided to give him a try and told him i want to be the among of the winner he had helps, Dr Kachi assure me not to worry that I’m in rightful place to win my lottery game and ask me to buy lottery jackpot tickets after he have perform a powerful spell numbers and gave to me which i use to play the jackpot draw, and won a massive £40,627,241 EuroMillons, After all my years of financially struggling to win the lottery, I finally win big jackpot, this message is to everyone out there who have been trying all day to win the lottery, believe me this is the only way you can win the lottery, contact WhatsApp number: +1 (570) 775-3362 email drkachispellcast@gmail.com .

  98. About 4 negative items has been on my credit report typically for seven years, without getting to know how to fix them until I came across this hacker who helped me in wiping away all the negative items and bad collections across my credit report without any physical contact. He also raised my FICO Score above 840 across the three credit bureaus report approximately and got a new apartment to move in with my family. Just contact him via BILLYHOFFMANCYBERGENIUS@GMAIL.COM Or Text (724) 241-8469

  99. Special appreciation goes to Aaron Swartz for repairing my credit report, He removes late payments, bankruptcy, eviction, negative items and increase my FICO credit score to my desired scores. He also pay off my credit card debts, Now I have moved to my own house with my family. Reach him AARONSWARTZCYBERSERVICES at GMAIL dot COM

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  105. Hi folks, I want to share my story of how I met Dr Amber who helped me win the lottery. Before I met him, life was so hard for me. I love playing the lottery but I lost all my money to it. I became suicidal because I owe the bank lots of money. So, I went on the internet about how I can win the lottery and I got good advocacy about Dr Amber and his work. I got in touch with him and I told him what I’ve been through and he assured me that he will help me. I was a bit scared but I said ok. Dr Amber made a spell for me that cost me some money to get it done and I was given some accurate digits by him to play the lottery on my next game which I did as instructed by him. I was astonished when I got announced as the winner of $109 million dollars on the Mega Millions Lottery I played. I am grateful to Dr Amber for Indeed, he deserves the hype he gets from people. You can hit him up today to get yours done. Email: amberlottotemple@yahoo.com or visit: amberlottotemple.com

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  168. I would love to extend my gratitude and utmost appreciation to Geo Coordinates Hacker security company, for helping me recover my money back. I would have said it’s impossible until it happened to me. I placed $270,000 into bitcoin with the expectation that, after three weeks, I would receive 40% interest from a binary option broker who would trade on my behalf and send me the profit. Unfortunately, I was unable to get in touch with the broker; he blocked my email and number and took off with my money. Thankfully, I was referred to Geo Coordinates Hacker security company. They helped me recover all of my lost money—trust me, they are the best—and I will always be appreciative. After losing everything, I was completely broke. He is also a private investigator and works with the FBI. For anyone on the ropes, who feels like all hopes are gone and you are deciding if this can work for you, I gladly tell you not to worry, give Geo Coordinates Hacker security company a try. They are Very professional and trustworthy. I highly recommend Geo Coordinates Hacker security company, for your cryptocurrency and funds recovery. You can Contact them on there via: Email: geocoordinateshacker@proton.me.

  169. I want to use this golden medium to Appreciate Dr Kuda for making my dream come through. I was on the internet when I saw people posting and talking about Dr Kuda. On How he has help them in winning huge amounts in lottery ticket, My name is Sarah Edwin, this is my story on how I win $754.6 Million Dollars, After reading the article talking good about Dr Kuda I contacted Dr Kuda I told him to help me win the Powerball lottery, Then he respond to me by saying he will help me after working with Dr Kuda, and assured me that I will win the Powerball Lottery Draw, Which I believe. After working with Dr Kuda, he gave me a five digit number and ask me to go and play it which I did today, now i’m here shearing a testimony about this same man Dr Kuda Changed my life by helping me to win $754.6 Million Dollars all thanks to you Dr Kuda, I will keep talking about your good work, because you are a man of your word I hope people that really need this help will come across it for you to help them as well. If you want to win biggest in lottery contact Dr. Kuda today and be rest assured of winning lottery game, contact via email: drkudaspelltemple AT @ gmail. com Or Call and Whatsapp Number +1 (346) 478-1991

  170. Hey guys, my name is Beatriz Juan from Argentina . I was defrauded of $210,000.00USD in a binary investment trading scam, and I wasn’t even aware of it until a month later. When they refused to respond to my emails and texts, I realized something was amiss. The website and the services I utilized were so sincere, and everything felt legitimate. I was prepared to concede defeat since I didn’t know what to do or how to proceed until I talked about it with a friend who suggested that I contact Jeanson James Ancheta wizard to help me recover my invested money. Although I wasn’t really convinced, I had to get my money back and had no choice but to get in touch with Jeanson James Ancheta wizard, which I did. They worked really hard to recover all of my money and were incredibly helpful. Their aid in finding my missing money has truly impressed me. While Jeanson James Ancheta wizard Group is not a medical professional, they have helped save my life. To anyone who has lost money in a currency scam, I’d heartily suggest them. Get in touch with them via email:(jeansonjamesanchetawizard62@gmail.com) or WhatsApp number: +44 (7440) 105166 or +44 (7506) 216101.

  171. HOW I FINALLY RECOVERED MY LOST CRYPTO: I lost all my crypto to a fake investment scam to someone I met online. I started searching for help legally to recover my funds, and I came across a lot of Testimonies about HACKER STEVE. I contacted him, providing the necessary information and it took him and his team of experts about 36 hours to locate and help recover my stolen funds. I am so relieved and the best part was, the scammer was located and arrested by local authorities in his region. I hope this helps as many out there who are victims. I strongly recommend Steve professional services for assistance with swift and efficient recovery (Crypto, Credit card, Forex, NFT, etc) on Gmail: Hackersteve911@gmail.com | https://hackersteve.great-site.net/

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  173. I am very happy to share these great testimonies on how i won $654.000USD.
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  174. Hello Everyone, my name is RAVE HARRY, I am from Ohio United states, i just want everyone to know about LORD RICHARD, he helped me win a lot of money few weeks ago on lottery, i have played a couple of times and i have never won , i contacted him and he gave me some lucky winning numbers, and he also instructed me on how to go about it, i played and i won $50,000,000 FIFTY MILLION DOLLARS, i have never seen such money all my life, but with the help of LORD RICHARD, now i have that much, if you ever need help in getting lottery winning numbers to enable you win much money to pay for anything you wish for in life., do not hesitate to contact him, he will always be there to help you. contact him via his
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  175. Hello Everyone, my name is RAVE HARRY, I am from Ohio United states, i just want everyone to know about LORD RICHARD, he helped me win a lot of money few weeks ago on lottery, i have played a couple of times and i have never won , i contacted him and he gave me some lucky winning numbers, and he also instructed me on how to go about it, i played and i won $50,000,000 FIFTY MILLION DOLLARS, i have never seen such money all my life, but with the help of LORD RICHARD, now i have that much, if you ever need help in getting lottery winning numbers to enable you win much money to pay for anything you wish for in life., do not hesitate to contact him, he will always be there to help you. contact him via his
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  177. It’s amazing working with Aaron Swartz credit doctor for fixing my credit report within 3-5 working days. He help me raised my credit score to 275 points and He also help me clear my bank debts within fews days. I got some benefit from him with new credit cards with good limit within the short period working with me such a massive hacker. Contact him AT AaronSwartzCyberServices A T gmail {DOT} com, Cell #: +1(614) 344-8376for quick response on credit score boost and he also recover lost Crypto.

  178. My Girlfriend left me for another man. I needed her back desperately because i loved her so much. I became very worried and needed help. as i was browsing through the internet, I came across a particular testimony about this good LORD RICHARD SPELL help get ex back fast and stop a divorce or breakup and so on , So I felt I should give him a try. I contacted him and he told me what to do and i did it then he did a (return Love spell) for me. 28 hours later, my girl friend came back to me crying and begging for my forgiveness. Today I’m so happy and i want to recommend this great spell caster to anyone that truly needs an urgent solution to his or her broken relationships and marriage email him at: lordrichardspell@gmail.com Simply contact the great “LORD RICHARD SPELL” If you have any problem contact him and i guarantee you that he will help you., do not cry anymore-contact this powerful spell caster now. Thank you LORD RICHARD SPELL for saving my broken relationships and brought my boyfriend back to me!” email him at:lordrichardspell@gmail.com
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  179. My Girlfriend left me for another man. I needed her back desperately because i loved her so much. I became very worried and needed help. as i was browsing through the internet, I came across a particular testimony about this good LORD RICHARD SPELL help get ex back fast and stop a divorce or breakup and so on , So I felt I should give him a try. I contacted him and he told me what to do and i did it then he did a (return Love spell) for me. 28 hours later, my girl friend came back to me crying and begging for my forgiveness. Today I’m so happy and i want to recommend this great spell caster to anyone that truly needs an urgent solution to his or her broken relationships and marriage email him at: lordrichardspell@gmail.com Simply contact the great “LORD RICHARD SPELL” If you have any problem contact him and i guarantee you that he will help you., do not cry anymore-contact this powerful spell caster now. Thank you LORD RICHARD SPELL for saving my broken relationships and brought my boyfriend back to me!” email him at:lordrichardspell@ gmail.com
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  181. With my balance of $3,400,000 in BTC no longer showing up, I felt confused and knew something was wrong! My wallet has been compromised! Since I already heard something about BTC Recovery, I had to go online to search for a verified/reliable firm and I found Space Spy Recovery amongst a few others and immediately contacted Space Spy Recovery, and they rightly were able to get back my money using their advanced technology. To contact them, use: Email: soacespy@hackermail.com )(WhatsApp: +1 (657) 543 6038 (Telegram: @spacespy65)(Skype: live:.cid.2b75b0cf1ce9bf69)

  182. I am John, I lost money to coobe.im through their rep known as “Professor”. After using the site coobe.im for a while, I tried to make a withdrawal from my account. I was told I should join a “Fast Track” service to expedite my withdrawal due to the long withdrawal queue. The “Fast Track” service required that I wire a deposit to the site equal to the amount I wanted to withdraw. I deposited the amount but was told that it was not accepted because the amount was not exactly equal to the withdrawal amount. I tried to deposit additional sums twice more, and each time was told the same. After four withdrawal attempts, I was told that the system rejected the withdrawal because too many accounts joined the Fast Track withdrawal service. The site then told me that they could transfer an additional $60,000 to re-open the Fast Track service withdrawal. At this point I knew it was a scam and could not continue, so I happened to read about Hackwest at writeme dot com and immediately contacted them, lo and behold, Hack West was able to recover all that they tried to steal from me and my friend totaling about 890,000 USDT. The coobe.im website is no longer active.

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