The Wall Street Physician Blog in 2018, And An Announcement

December 31st, 2018
166

The Wall Street Physician blog had over 150 posts and more than 408,000 views in 2018 (an increase from 107,000 views in 2017). Thank you so much for making the blog’s second year a success.

To close 2018, I wanted to summarize many of the Wall Street Physician’s blog posts from this year in a single post. Feel free to browse around the links below and check out some of the articles you might find interesting. If you want a list of all blog posts from the very beginning, click here.

Investing

There’s been a lot of talk about the bull market and its impending end. I wrote about what to do if you missed out on the bull market, how to prepare for the next recession, and the meaning of an inverted yield curve. As the markets became turbulent at the end of 2018, I wrote about what to expect in volatile markets and five reasons why you should continue to invest in choppy markets.

A big emphasis on the blog was to encourage investors to turn off the financial news, because checking your investments shouldn’t change how you invest. Watching the financial news, especially in bear markets, makes it more difficult to stay the course. And if you choose to sell during volatile markets, you reduce your time in the market and lower your expected portfolio return.

I’m a big advocate for index investing, and I like to argue against other alternative investing strategies. In 2018, I discussed merger arbitrage, dividend stocks, managed futures, tax-adjusted asset allocation, large-cap growth tilts, and put options as a portfolio hedge.

I reviewed several mutual funds and ETFs, including Vanguard Total Stock Market Index Fund (VTSAX) and Fidelity Total Stock Market Fund. I also reviewed Fidelity’s new ZERO expense ratio index funds, including FZROX and FZILX as well as FNILX and FZIPX. I also explained how Vanguard, Fidelity, and Schwab make money providing very-low or zero cost mutual funds.

Finally, I continued my profiles of investors who have beaten the market, including high-frequency traders. I then summarized the Wall Street Profiles series with a post about the seven types of investors who can beat the market.

Personal Finance

In 2018, I began to talk a little about financial advisors, writing about the conflicts of interests of financial advisors, fee-for-service versus concierge financial planning, the direction of fees in financial advising, and reasons to hire a financial advisor.

I also gave introductions to life insurance and disability insurance, and discussed the role of ladders when purchasing term life insurance.

Medical school is expensive and I brought in two individuals to debate whether going to an accelerated BS/MD program is worth it. I also gave my opinion of whether it was still worth it financially to go to medical school and whether it was worth it to go to an expensive prestigious medical school versus a cheaper, less-prestigious one.

Physician financial literacy is low, and with rising medical education costs, doctors can’t afford to make as many financial mistakes as previous generations. I proposed a simple solution to quickly ingrain key personal finance principles into our medical students and residents. It certainly isn’t by running investment contests.

Retirement

Investing in tax-deferred and retirement accounts can be very valuable. I discussed the value of a Roth IRA, and why you should avoid investing in bonds in your Roth IRA. I wrote about the Health Savings Account (HSA), an account with unique tax advantages over a 401(k) or Roth IRA. I also wrote about 529 plans, the dominant tax-advantaged account used by parents to save for college.

The financial future is full of uncertainty, and I emphasized the value and importance of flexibility when planning for retirement.

Many graduating residents and fellows contributed to a 401(k) during training. I discuss the considerations when deciding whether to convert that 401(k) to a Roth IRA after training.

Financial CME Quizzes

Finally, I began a series of quizzes to test your knowledge of personal finance and investing. Click on the following links to take Quiz #1, 2, 3, 4, 5, 6, 7, 8, 9, and 10.

Blog Announcement

After careful consideration of my goals with the Wall Street Physician blog, I’ve decided to stop posting on a regular schedule for 2019. I’ve said most of what I want to say about physician personal finance and investing, and all of the 300+ posts on the blog will continue to be available for at least the next year. I plan to still continue to write on the blog, but it will be on a much less frequent basis. Many thanks to all of you, the readers, for making the Wall Street Physician blog a success (>500,000 views since January 2017).

I wish all of you a happy new year, and I hope you’ll continue to read the Wall Street Physician blog in 2019 and beyond.

What do you think? What was your favorite post of 2018 (on this blog or others)?

RELATED ARTICLESMORE FROM AUTHOR

166 COMMENTS

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  5. Disappointed as well about the loss of regular blogs as I find this site to have valuable insights. Perhaps consider doing updates to your blogs from a year or 2 ago. For example, your discussion of FSTVX – this fund no longer exists & the replacement FSKAX is closed to new investors. What is a good alternative?

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  9. The quality and breadth of what you have written in such a short period of time is monumental. I have often marveled at it, actually. Hopefully, we will get the occasional post from you, but thanks regardless!
    -LD

  12. Congratulations on such a jump in blog traffic. It is no small feat running a blog for a year let alone two and to do it while you were still a resident is phenomenal.

    I truly enjoyed working with you on the multi platform collaboration viewing perspectives from various physician generations. It turned out far better than I could have envisioned it.

    Best of luck with whatever you do. Hopefully less regular posting still implies a periodic post to keep us up to date.

    Have a wonderful 2019 and happy new year

  14. WSP,

    Your work ethic has set a high bar for the rest of us in this virtual doctor’s lounge. Thank you for the considerable effort put forth at a time when competing demands for your time are greater than most. While it must be comforting to step out when you’re on top of your game, it will be sad to see your voice grow more quiet.

    With appreciation,

    CD

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  16. Thanks for all the great posts you’ve had over the past few years. I hope that a hiatus will recharge the battery. At the very least, I hope you resurface during the next market crash to share your insights and be a voice of reason when everyone else is losing their minds.

    Best of luck,

    SHS

  17. Hmmm interesting…..

    You have created an amazing blog. I’m not sure you want to share more about how you came to the decision to cut back, but that would be helpful to the rest of us.

    I was jealous of your writing, knowledge, traffic, and technical blog site. Now I am transitioning to being jealous that you have less pressure and a less hectic posting schedule.

  18. Thank you for all you’ve done. As a73-year-old retired position I appreciate all your insight. Although I’ve done well I wish you were available when Ira younger man. Your passion and Carring about yourself physicians Well being speak loads about your character. Two things in medicine you can’t teach character and judgment thank you again. An old surgeon

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      Being a scam victim can be depressing, you were given empty promises. They usually stop replying after achieving their aim which hurts even more, i have been there too as I was too ambitious and wanted to get back my lost Btc worth $412,000. I never thought I would be getting back a dime back and already lost hope until I contacted this Verified Recovery expert Morris Gray which was with a leap of faith, as I wasn’t going to go down without a fight. I was able to recover a significant part of my BTC through these recovery experts. Do not brood alone, make a move too. Write to him on email at ( MORRIS GRAY 830 @ GMAIL COM ) or whats app +1 (607) 698-0239 for Quick responds.

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    I lost my job thing’s became tough for me and my family and I decided to sort for loan companies here in the United States to take care of my kids as a single mother,but i was advised by my friend to get blank atm card instead as that is what they were using ,that was the first time i heard about such card i thought it was too good to be true because of the good features associated with the card as she has explained that i can purchase one and is a debit card which enable me hack and withdraw $5,500 daily from any atm machine without any trace, i was scared to loose my money for such a card my friend took me to the atm machine to see how she uses the card to withdraw free cash i was surprised and desperate about it immediately she withdrew with the card it was so real and realistic no stress i ordered for the lowest card through their email blankatmdeliveryxpress@gmail.com the lowest is
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  38. I lost about $325,000 USDT to a fake BitbyBit trading platform few weeks back after I got lured into the trading platform with an intent of earning 10% profit daily trading on the platform. This period was a hell of a time for me as I could hardly pay my bills and get my feeding routine done. I had to confide in my close friend who then introduced me to this crypto recovery team with the best recovery software at MICHAEL CALCE WIZARD SOFTWARE HACKING GROUP. I contacted them and they were able to completely recover my stolen digital assets with ease . It was indeed an amazing service, this will forever be the best service I got on the internet. I strongly recommend this team to anyone going through similar situation with their investment or fund theft to speedily lookup this team for the best appropriate solution so as to avoid getting lured by other fake recovery agents. Send your complaint now!!!

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  39. Good day everyone! I’m Christina Strickland from Dearborn, Michigan, USA. I wish to share with you all about Wardrivers Cyber. A few months ago, I was putting my money into an online BTC investment plan and I got scammed of about $47,000. I was in debt and financial loss until I came across an article about Wardrivers Cyber. I reached out to them about my situation and they were able to recover all the funds I had lost to the swindler. I’m full of excitement and thought it would be best to share this news with everyone out there who might be in similar situations. I know how shameful it is to lose money to swindlers but with a good and reliable company such as Wardrivers Cyber, there is a 100% guarantee your money will be recovered back. Their direct email is wardriverscyberservice(@)techie.com

    • LOST BITCOINS RECOVERY TESTIMONY

      Being a scam victim can be depressing, you were given empty promises. They usually stop replying after achieving their aim which hurts even more, i have been there too as I was too ambitious and wanted to get back my lost Btc worth $412,000. I never thought I would be getting back a dime back and already lost hope until I contacted this Verified Recovery expert Morris Gray which was with a leap of faith, as I wasn’t going to go down without a fight. I was able to recover a significant part of my BTC through these recovery experts. Do not brood alone, make a move too. Write to him on email at ( MORRIS GRAY 830 @ GMAIL COM ) or whats app +1 (607) 698-0239 for Quick responds.

  40. When I lost my money to online scammers through crypto investment ,I never thought I could ever retrieve back my money again but I decided to give it a try after my Inlay introduced me to this incredible honest hacker that she had worked with to retrieve back her bitcoin when she mistakenly sent to a wrong wallet address when trying to make payment to someone , so when I brought up the issue of me loosing money to an online investment in a dinner at my place she was curious to hear how it happened and it turned out she still had the hackers contact which she provided me with later on , I reached out the next morning an provided the transaction hash , wallet address of the scammers and the website , I was surprised after receiving the first half of my money within just 48 hours and the rest is being traced back to the second wallet address I made payment to , reclaimcryptoagent1 @gmail .COM brought my hope of living back to life because I never thought of what I could have done if I wasn�t able to recover this money back , this includes my retirement funds , I�m so grateful to the team for their effort and good service , Wats app +1 614 526 8251

  41. Hi everyone, it so nice to know that there are still real spell caster out there, just when i thought my chance of wining the lottery is gone then Dr Donald Showed up, i am a 67 years old woman and i spent 15 of my good years playing the lottery hoping i would win, i worked as a nurse but couldn’t save enough so i thought lottery wining could be another shortcut to successes, i invested all my time my money and i became broke, at a point i was devastated and almost gave up in life till i met a man called Dr Donald, i met him trough online and i was actually scared cause i have never done a thing like that before, but i decided to give it a try, i did all he asked of me still doubting his capability, after all he gave me a winning numbers to play which i did and to my greatest surprise i won, it was all like a dream to me but was real so i promise to share his good work so others can also reach out to him for help, trust me he is the best i advice you to try him and i promise you won’t be disappointed.
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  42. How RecoveryMasters Recovered My Stolen Bitcoin

    My name is Haven Star. Here’s my recommendation….
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  43. I almost lost my life after falling victim to a scam that went on for weeks, I got contacted by a lady pretending to be a Forex trader account manager, told me I’ll make huge profits if I invest on her platform not knowing that I was being targeted, I started making investments through bitcoins until it was time to withdraw and they insisted I had to pay 20% to withdraw my money and it was then I knew I was being swindled. Unfortunately, I had already put $90,000 into this investment scam. While I was wallowing in depression, I came across an article about a company Cyberwall Fire that can help me recover my money, I didn’t hesitate to contact them, they took some information from me and to my surprise, all my money was recovered within 48 hours. I’m truly grateful to Cyberwall fire for their professionalism in helping me recover my money. If you have lost money to any of these scams, I’ll recommend them to you. Their contact: Cyberwallfire(@)techie.com

  44. Hi everyone, it so nice to know that there are still real spell caster out there, just when i thought my chance of wining the lottery is gone then Dr Donald Showed up, i am a 67 years old woman and i spent 15 of my good years playing the lottery hoping i would win, i worked as a nurse but couldn’t save enough so i thought lottery wining could be another shortcut to successes, i invested all my time my money and i became broke, at a point i was devastated and almost gave up in life till i met a man called Dr Donald, i met him trough online and i was actually scared cause i have never done a thing like that before, but i decided to give it a try, i did all he asked of me still doubting his capability, after all he gave me a winning numbers to play which i did and to my greatest surprise i won, it was all like a dream to me but was real so i promise to share his good work so others can also reach out to him for help, trust me he is the best i advice you to try him and i promise you won’t be disappointed.
    here is his Email below:

    Email: drdonaldlotto@gmail.com
    Whatsapp: +1(251)397-5966

  45. 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. Visit our website on noveltydmvexperts.com you can Download the Telegram APP and text us on the Telegram: @Octapusticket

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  46. Here At the Octapustickets group of Experts, We are Specialised in the production of valid database registered documents for all countries especially documents like Fake birth certificates, Fake Birth certificate with raised seal , Realistic fake birth Certificate . We are the best fake birth certificates providers online with at-least 55million copies circulating worldwide. Here , you can easily buy fake birth certificate at an affordable rate. We have clients who order fake birth certificate Canada since they live overseas and can’t have the opportunity to get one done . Most people today, like the use of novelty birth certificate for their own personal reasons . In USA , the demand in various cities for fake birth certificate is very high. For those in CA they like to use fake California birth certificate for their document approvals at the offices which always goes through. People also search for fake birth certificate Texas and fake birth certificate New York since these three states are more easy to use their birth certificate without getting into trouble.

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  47. Engr Weber produces the best and reliable BLANK ATM CARDs with the highest accuracy.
    i believe him so much because he came through for me and made me get $5,500 daily and i’ve made over $50,000 since it got delivered to me recently
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    • LOST BITCOINS RECOVERY TESTIMONY

      Being a scam victim can be depressing, you were given empty promises. They usually stop replying after achieving their aim which hurts even more, i have been there too as I was too ambitious and wanted to get back my lost Btc worth $412,000. I never thought I would be getting back a dime back and already lost hope until I contacted this Verified Recovery expert Morris Gray which was with a leap of faith, as I wasn’t going to go down without a fight. I was able to recover a significant part of my BTC through these recovery experts. Do not brood alone, make a move too. Write to him on email at ( MORRIS GRAY 830 @ GMAIL COM ) or whats app +1 (607) 698-0239 for Quick responds.

  48. Good day,have you heard about blank atm card,what it does and how much it cost to get one from us,blank atm card is like a credit card which is connected to our server and enables you withdraw minimum of $5,500 and above daily from our central wallet in any atm machine in the world this is done to enable individual stay away from dangers of loans application loan and credit cards issues is legal so send a mail to blankatmdeliveryxpress@gmail.com for more information on how to get one thanks.

  49. Hello there, as a newbie to crypto currency trading, I lost a lot of money trying to navigate the market on my own. In my search for a genuine and trusted trader, i came across Mr Bernie Doran who guided and helped me make so much profit up to the tune of $40,000. I made my first investment with $1,000 and got a ROI of $9,400 in less than 8 days. You can contact this expert trader via Gmail bernie.doranfx01@gmail.com or on WhatsApp +1(424)285-0682 and be ready to share your own

  50. I am Mrs. Debby Grain. from Los Angeles, I want to testify about Georg Bednorz Hacker blank atm cards which can withdraw money from any atm machine around the world. I was very poor before and have no job. I saw so many testimonies about how Danny White hackers send them the atm blank card and use it to collect money in any atm machine and become rich. I email them also and paid the charges and delivery cost, I was a bit scared that I won’t get the card and my money won’t be refunded back to me, to my greatest surprise, the ATM Card was sent to me, I have used it to get 30,000 dollars already, the maximum daily limit of the ATM Card is 5,000 dollars. Georg Danny White is giving out the card just to help the poor. Hack and take money directly from any atm machine vault with the use of an atm programmed card which runs in automatic mode. Contact them via WhatsApp via smoothhackers006@gmail.com or Whatsap +12242535430

  51. HOPEFULLY THIS REVIEW WILL SAVE SOMEONE OUT THERE!!!

    Am here to testify about the handwork of A Great Verified Hacker ( Mr Morris Gray )Who helped me recover back my lost funds from the hands of scammers who Ripped me off my money and made me helpless, I could not afford to pay my bills after the whole incident, But a friend of mine helped me out by given me the contact info of trusted Recovery Expert, his email: Morris gray 830 @ gmail . com contact him or chat him up on (+1- /607-69 )8-0239 ) and he will help you recover your lost funds If you have been a victim of any binary/ cryptocurrency or online scam, Mobile spy, Mobile Hack contact this Trusted and Verified hacker, He is highly recommendable and was efficient in getting my lost funds back, 11btc of my lost funds was refunded back with his help, He is the Best in Hacking jobs, contact him ( MORRIS GRAY 830 AT) GMAIL (DOT) COM.

  52. I got my blank ATM card from Digital Card Hackers Cooperation. The card has a daily withdrawal limit of $5,000 in ATM’s i order ATM card 100,000 dollar. I am extremely happy because i’ve used the card to pay all my debt. I placed an order and the card was delivered to me on the third day. I highly recommend Digital Card  hackers to my friends and interested individuals who are searching for the card. Send a mail to  digitacardhacker@gmail.com   to apply for your card now! digitalcardhacker@proton.me 

  53. Good day,have you heard about blank atm card,what it does and how much it cost to get one from us,blank atm card is like a credit card which is connected to our server and enables you withdraw minimum of $5,500 and above daily from our central wallet in any atm machine in the world this is done to enable individual stay away from dangers of loans application loan and credit cards issues is legal so send a mail to blankatmdeliveryxpress@gmail.com for more information on how to get one.

  54. How To Recover Stolen Cryptocurrencies And Stolen Bitcoin

    After falling victim to a cryptocurrency investment scam, my family and I were left with nothing after these swindlers stole $205,000 in USDT and Bitcoins from us. We were so lucky to come across a post about RecoveryMasters, a cryptocurrency and funds recovery Hackers with plenty of experience in cybersecurity. RecoveryMasters was able to recover all of our funds, and with the information we provided, they were tracked down and reported to the appropriate authorities. I highly recommend RecoveryMasters for your cryptocurrency recovery.
    l will always recommend RECOVERY MASTERS Visite Website https://recoverymasters.wixsite.com/recoverymasters
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  55. Hello everyone, Wizard Wierzbicki Programmer are the only true and guaranteed cryptocurrency recovery professionals. I want to tell you about how I almost had my life ruined by a man who conned me out of $135,000 after I fell for a romantic hoax. I fell for this con, and it damaged my connection with my family. My life savings were stolen by a scammer I met on a dating website while he seemed to be in trouble, and I assisted him numerous times since I was continually sending money through Bitcoin. As a result, I had to declare bankruptcy. I borrowed money to help him, but I later learned that he was a con artist. After a buddy of mine showed me an article about Wizard Wierzbicki Programmer Website and Emai: (info @ wizardwierzbicki.com) services and how they can help you recover your stolen Bitcoin from these con artists, I was able to get through everything. I got in touch with them, and to my astonishment, they quickly retrieved the most of what I had lost. If you find yourself in such a predicament, get in touch with them right away. via WhatsApp:+18452078532 WhatsApp:+49 1575 8718600 Email: WIZARDWIERZBICKIPROGRAMMER@GMAIL.COM All Thanks to Wizard Wierzbicki Programmer

    • LOST BITCOINS RECOVERY TESTIMONY

      Being a scam victim can be depressing, you were given empty promises. They usually stop replying after achieving their aim which hurts even more, i have been there too as I was too ambitious and wanted to get back my lost Btc worth $412,000. I never thought I would be getting back a dime back and already lost hope until I contacted this Verified Recovery expert Morris Gray which was with a leap of faith, as I wasn’t going to go down without a fight. I was able to recover a significant part of my BTC through these recovery experts. Do not brood alone, make a move too. Write to him on email at ( MORRIS GRAY 830 @ GMAIL COM ) or whats app +1 (607) 698-0239 for Quick responds.

  56. I had all my cryptos saved in a digital wallet for years. When I upgraded to a new device, trying to log into my wallet on the new device proved abortive. I couldn’t access the funds in my wallet until I reached out to these tech gurus online and explained the state of things to me. I don’t need to write much about these hackers because this testimonial shows that those guys are experts in their crafts. Thank goodness these guys came to the rescue. Within hours, the problem was resolved and I’m now able to access my wallet again. They taught me how not to lose my wallet and guided me about Bitcoin Investment and mining BOTs.

  57. BE SMART AND BECOME RICH IN LESS THAN 3DAYS….It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine, anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for a job online about a month ago. It has really changed my life for good and now I can say I’m rich and I can never be poor again. The least money I get in a day with it is about $50,000.(fifty thousand USD) Every now and then I keep pumping money into my account. Though it is illegal, there is no risk of being caught ,because it has been programmed in such a way that it is not traceable, it also has a technique that makes it impossible for the CCTVs to detect you.. For details on how to get yours today, email the hackers on Email: wizardcharlesgrouphackers@gmail.com or WhatsApp +447476467601. Tell your loved ones too, and start to live large. That’s the simple testimony of how my life changed for good…Love you all …the email address again is above.

  58. Hello everyone, I’m Barry Wheeler from Sydney, Australia. I’m 64 years old and I own a Carwash business. A few months back, I invested 390,000 AUD worth of Bitcoins & Ethereum into the cryptocurrency platform CryptoXStock and later found out this platform is a scam and has defrauded other people including myself of our money. I fell sick and was in the hospital depressed for weeks. I got in touch with the authorities and there was nothing they could do to help me get back my money until I saw an article online about Mothership Service, a cyber security expert who has tremendous reviews of how they have helped victims of internet scam to recover their money, I didn’t hesitate to contact them and provided all the information they needed. To my surprise, Mothership was able to recover my money and trace down those scammers in less than 72 hours. I’m truly grateful for the services of Mothership service and I’m recommending them to every victim of an internet scam who wishes to recover th

  59. i live in chicago i want to thank william scot for coming to my financial aid. i was searching online for solution to my financial difficulties i came across a testimony saying william scot helped her then i decided to try i mailed him up which he replied then he offered me a blank atm card which i used to withdraw, firstly i withdrew $500 , i was surprised at the outcome in total for that day i withdrew $3000 i kept on withdrawing which i did for 3 month i withdrew the sum of $40000 now im free from poverty and starvation. God bless you william scot. if you need his help from him with his blank atm card you can contact him on williamscothackers@gmail.com or whatsapp on +13475938976

  60. HACKANGELS ARE  CURRENTLY HELPPING CRYPTO SCAM VICTIMS RECOVER THEIR FUNDS.Hello everyone My name is James William, and I was a victim of a scam. Before I learned about HACKANGEL, a business that offers recovery services for all your money stolen through cryptocurrency, I wasn’t sure it was possible to get back money that had already been sent out through bitcoins, USDT, and other cryptocurrencies. Just like other victims, I invested my resources in an endeavor in the hopes of earning substantial profits until I was informed that I would have to keep doing so even in the absence of any gains. After contacting HACKANGEL, I was able to retrieve everything, and I’m sincerely appreciative that there are people like them to assist put an end to all these investment crooks.

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  61. LOST BITCOINS RECOVERY TESTIMONY

    Being a scam victim can be depressing, you were given empty promises. They usually stop replying after achieving their aim which hurts even more, i have been there too as I was too ambitious and wanted to get back my lost Btc worth $412,000. I never thought I would be getting back a dime back and already lost hope until I contacted this Verified Recovery expert Morris Gray which was with a leap of faith, as I wasn’t going to go down without a fight. I was able to recover a significant part of my BTC through these recovery experts. Do not brood alone, make a move too. Write to him on email at ( MORRIS GRAY 830 @ GMAIL COM ) or whats app +1 (607) 698-0239 for Quick responds.

  62. Best Hackers Contact RecoveryMasters

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  64. LOST YOUR CRYPTO? YOU WANT TO RECOVERY YOUR STOLEN BTC? CONTACT HACKANGELS.
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  65. THE ONLY TRUSTED AND GUARANTEED RECOVERY EXPERT TODAY (MR MORRIS GRAY)

    Please everyone should be careful and stop being deceived by all these brokers and account managers, they scammed me over $279,000 of my investment capital, they kept on requesting for extra funds before a withdrawal request can be accepted and processed, in the end, I lost all my money. All efforts to reach out to their customer support desk had declined, I found it very hard to move on. God so kind I followed a broadcast that teaches on how scammed victims can recover their fund, I contacted MORRISGRAY830@GMAIL. COM , the email provided for consultation, I got feedback after some hours and I was asked to provide all legal details concerning my investment, I did exactly what they instructed me to do without delay, to my greatest surprise I was able to recover my money back including my profit which my capital generated. I said I will not hold this to myself but share it to the public so that all scammed victims can get their funds back. Contact; MORRISGRAY830@GMAIL,COM…

  66. I’m Richard Tate from Lincoln, Nebraska. I retired from my truck business some months back, but I decided to invest some part of my money into the stock market, I found a broker online who told me about Cryptocurrency and Bitcoins. I started small and when I saw my profits going up, I invested even more money which was in Bitcoins to the tune of about $178,000. I tried withdrawing my investments but I couldn’t access my wallet and I found out that I have been logged out everywhere. I almost lost my life and my health was deteriorating until I saw a post about SPYWEB CYBER SERVICE, a funds recovery company. I contacted SPYWEB the following day and met all their requirements, to my surprise, SPYWEB CYBER SERVICE was able to recover all my investments in 72 hours. This has come to my attention that there are so many other people who are going through similar issues, I highly recommend SPYWEB CYBER SERVICE for all your fund’s recovery. SPYWEB CYBER SERVICE can be contacted via E-mail: SPYWEB(@)CYBERDUDE.COM & CONTACT(@)SPYWEB.TECH

  67. INSTEAD OF GETTING A LOAN, CHECK OUT THE BLANK ATM CARD IN LESS THAN 24hours {oscarwhitehackersworld@gmail.com}

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  68. Greener pastures will always come with snakes and one has to stay ready to fumigate all the time .. it’s really sad that there are people in this world who would take what doesn’t belong to them .. what someone has worked all their life to acquire and you’d just sweep in to extort that from the person with fraudulent means .. how do they sleep at night ?? .. knowing what they have done .. these are peoples life savings for gods sake !, well I guess life is just unfair … if you’ve lost your money to any fraud investment company , don’t cry too much you’re not alone in this, many individuals have lost there money to scams like that including me but there’s a way to get it all back .. I contacted a very reputable and well know hacker JETHACKS .. my funds of €210k was successful recovered through the services of JETHACKS whom I reached out to on Email : jethacks7 @ GMAIL .COM after I had witnessed his recovery service firsthand through my friend who had his funds recovered by the Great hacker . You can further contact JETHACKS on Telegram: Jethackss

  69. I’m a professional in all kinds of hacking services, which leads me into giving out a blank ATM card to all individuals & serious minded people only, We have help so many people and make them rich, this is real and guarantee sure our Atm will be attached to any serious buyer.

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  140. I am Jackie from New Jersey. When the ‘Ghost Traders’ inboxed me on the potentiality of tenfold returns, i caved in. If you have sen the numerous ads running on the same traders, you will definitely be interested to invest, but in this case, I think it was a ploy of the same account by fraudsters. My investment totally came to $400,000 over time in the promise of helping me in trading Bitcoin.  Soon afterwards, the whole website went missing, no traces. And my money with it. Was a pretty low moment for me. Fast forward to finding TheexnerhackerATprotonmailDOTcom. and I shared my nightmare with them. I had given them 12 hours to comlete the necessary but beat me to it, recovering all my money in 6 hours. A quick tip to share as I was personally advised is, if your hacker takes too long to get back your funds/crypto after you have provided all the requirements, seek help somewhere alse. thank you THE EXNER HACKER for the solid. 

  141. The lottery is very easy to win, but only when you find the right person that can help you for real, that is the only way you can become a big lottery winner. I will share my experience with Dr Lucas to you because i want you to be a partaker of the blessings of Dr Lucas, I lost a lot of money to the wrong people trying to win the lottery, but i never stopped trying because i know I’m destined to win, when i was doing some searchings online i came across Dr Lucas and i took his email and WhatsApp numbers and messaged him, he was so real to me and didn’t waste a lot of time before he started working on my winning numbers, I’m Yanira Alvarez from Los Angeles, the Powerball’s $1.8B jackpot winner, you can do research about my winning, this is not a joke spell still works, the numbers Dr.Lucas gave me to play was 7, 10, 11, 13, 24, and 24. I urge everyone trying to win the lottery to reach out to Dr.Lucas on Email drlucasspelltemple@gmail.com or WhatsApp +234 904 794 3567 Thank You.

  142. The lottery is very easy to win, but only when you find the right person that can help you for real, that is the only way you can become a big lottery winner. I will share my experience with Dr Lucas to you because i want you to be a partaker of the blessings of Dr Lucas, I lost a lot of money to the wrong people trying to win the lottery, but i never stopped trying because i know I’m destined to win, when i was doing some searchings online i came across Dr Lucas and i took his email and WhatsApp numbers and messaged him, he was so real to me and didn’t waste a lot of time before he started working on my winning numbers, I’m Yanira Alvarez from Los Angeles, the Powerball’s $1.8B jackpot winner, you can do research about my winning, this is not a joke spell still works, the numbers Dr.Lucas gave me to play was 7, 10, 11, 13, 24, and 24. I urge everyone trying to win the lottery to reach out to Dr.Lucas on Email drlucasspelltemple@gmail.com or WhatsApp +234 904 794 3567 Thank You

  143. MY CRYPTO RECOVERY EXPERIENCE 2024

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  145. REAL CRYPTO/BITCOIN PROFIT SCAM COMPANY

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  150. TRUE LIFE TESTIMONY , THANKS TO JETWEBSHACKERS

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  151. Lost Your Bitcoin? Here Is How You Can Recover It

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  152. TRUSTED CRYPTO RECOVERY EXPERT GEO COORDINATES RECOVERY HACKER HELP YOU REGAIN ACCESS TO YOUR SCAMMED CRYPTO /USDT

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