Sunday, March 16, 2014

Are the high taxes in Finland worth it?



A short film from Finland was recently nominated for an Academy award.  Just the other day I heard on the Finnish news that the Finnish candidates who were nominated and attending the Oscar Gala for best short film would be taxed on their gift (swag) bag that was valued at 60k euros and which all of the candidates received for attending the event. The Finnish tax authorities were quoted in a news article opining that the Finnish candidates would need to pay approximately 20k euros in taxes to the Finnish government!  Hmm.  In case you didn't already know, Finland is not Hollywood.  :)  I highly doubt these short film producers earn much more cash than a typical private sector employee in Finland. However, it is interesting to note how quickly the tax authorities are to jump in and take their "share".  

The real question is whether Finns and foreigners living in Finland get a value for their tax dollars.  I am sure we could debate this back and forth for days.  Finland isn't the highest taxed country in Europe, but it is apparently near the top 5.  It also ranks up with the highest tax rates anywhere in the world.  Finland currently has a corporate tax rate of 20%, a maximum individual marginal tax rate of 53% and VAT (Value added Tax) of 24%.  It is a progressive taxation system, so as your salary increases the tax rate increases as well.  There also seems to be less of a range of incomes, with a larger median as opposed to folks all over the place like in the United States.

The question is a bit more complicated than meets the eye.  There are social services like efficient bus services, free education, including university tuition, disability benefits, health care for everyone, long maternity and paternity leaves and other benefits, etc.  Many people do benefit from the system.

Lets take e.g. health care.  In Finland there is universal health care which means that everyone is covered. There are some fees, e.g. if you need surgery you pay a fee of approximately 30 Euros per each day at the hospital.  The surgery itself was free. Dental care is free for kids and adults up to 23 years of age, including braces and everything else.  After age 23 you pay some fees however they are not very much.  For example, a dental cleaning cost me around 30 Euros, so there is still some subsidies by the government.  In the United States at least until recently most people get their health care from their employer sponsored plans.  Someone out of work with a pre-existing condition may pay an arm and a leg for health care or might be outright rejected from the plan.  There also have been horror stories of those folks falling through the cracks between jobs.  I even had a friend who was between jobs and diagnosed with cancer so he paid for everything from his pocket (i.e. large loans).  This kind of scenario would never happen in Finland because everyone is paying into the system and everyone has coverage.

However, is the public health care system in Finland good considering the high taxes in the country? Some people living in Finland have had negative experiences with the public sector.  They have experienced long waits, talking only to nurses, and some rudeness. On the private side, it seemed that most of the people I spoke to were very happy with the health care they are receiving.  I am also fortunate to receive private health care from my employer.  I do like them (Diacor), but I have to admit it seems a bit odd to me that there are several private health care corporations in a social democracy like Finland.  My thoughts before moving here was that health care was optimal in this system and there really wasn't a need for private sector health care providers.  Interestingly enough, the private and public sectors work together.  If you go to a private doctor and it turns out you need surgery, they will refer you to the public sector.  All babies are delivered in the public sector and so on.  I think the system works perfectly for those diagnosed with serious illness or with pre-existing conditions, however for those looking for care for minor issues the system is not functioning so well.

Another example is the high cost of fuel, food and drinks in Finland.  These are partially related to the 24% (13% on foods) VAT (Value added Tax)    I was a bit shocked after arriving in Finland and noticing the high costs of food, drinks and everything related to automobiles (gas, parts, repair).  It's not like prices are dirt cheap in  US, but in Finland the prices seem just insane.  Do you want to drink a fancy beer with your dinner?  You are going to pay for it.  For example, in the States one Sierra Nevada beer purchased at the grocery store is around $1 per bottle, here in Finland it is around $5 per bottle, so 5 x the cost.  Want to fill up your gas tank on your car, it is about $8.50 per gallon here in Finland.  The proponents of the system will say that the taxes are high on alcohol in order to pay for the social programs cost by alcohol and we shouldn't tax everyone else, just those who drink.  I understand this way of thinking, but why does it have to be so high then?  It is currently the highest alcohol tax in Europe according to a recent study.  Let's take a close look at the fuel taxes.  The fuel argument made by some Europeans is that we are getting much cleaner fuel and trying to get people to take public transportation to help "save" the environment   Is the double price really justified in Finland (and most of Europe) in order to help the environment.  I don't actually think gasoline prices being double in Finland is actually such a bad thing. I think one actual consequence of the high fuel cost is that generally speaking Europeans drive smaller more fuel-efficient cars. The Europeans place a much higher burden on gasoline taxes and "use" that extra cash to clean up the environment and place the extra money into other social services.  For example, Norway is an oil rich country, but they still choose to heavily tax gasoline and use the extra funds for education and other services.   To me it actually makes sense to get more people out of their cars to use the public transportation system and use the extra funds to help with other social services.  I think if some Americans looked at the bigger picture then they might understand the reason for the high taxes, but I seriously doubt the US lobbyists would accept such a large increase in fuel costs.

Other things that taxes in Finland provide for, include education from toddlers to University students.  For example, pre-school cost around few hundred euros per month per child.  Elementary, middle, and high schools are free an provide free hot lunches.  University students also provide free education, aside from approximately 100 Euro annual student union fee.  Moreover, students at higher education schools are also provided with some free allowance each month since their focus is supposed to be  on studying.  Education is free, but is it good? It is quite good indeed according to recent statistics.  Finland has consistently ranked at the top of the world in PISA scores for primary education.  The one negative about higher education is the difficulty in getting admitted the acceptance percentages to many universities are quite low, e.g. someone wanting to become a teacher will need to be in the top 100% of applicants for the 5-year Master's program.

Another field that in most countries is paid for and managed by governments is infrastructure, that is roads, public transportation, etc.  There seems to be quite wide network of trains, buses. etc. and they are typically clean and on time.  It seems like there is always some construction going on in the roads, but generally they are in good shape, snow is plowed timely during the winter, etc. There are also many public sports fields, and areas from ice rinks at most school yards or soccer fields during the winter to many trails, swimming halls, etc. that are also used by Finns often.

Many more topics and comparisons could be covered, but the ultimate question is, does the taxation system really benefit those people who live here in Finland?   The topic could be answered each way.  For me being an American who has moved over here to Finland 2.5 years ago, I have struggled a bit accepting the high taxes.  I wonder if my tax money is really being wisely spent?  Is the health care system optimal enough to justify costs?  Are the social benefits offered here worth it for most folks?  Coming from States I can appreciate the social benefits as I think it overall makes a more trusting and egalitarian system.  It is definitely not a "dog eat dog" world out there and everyone is given a fair chance. However, I also feel like sometimes the taxes are a bit excessive for what I am really getting out of the system.  I think the answer lies in what you value as a person and society.  Are you someone who would rather go about things alone without much government assistance or someone who appreciates social services and is OK paying for them in order to benefit the entire society? I think people in Finland are definitely paying a high premium to live in this society, but then they can sleep at night knowing that they will never have to worry about losing health care coverage and can send their young children to school by themselves because of the overall security and safety of the society here. At the same time we can't build roads and train tracks with private money.  So some things have to be paid by taxes. Is the USA still a good place to live and raise a family?  I am personally fairly neutral on this.  I actually like a little of both systems.  We might not often realize what services and programs we use. It is really a tough issue with no real right or wrong answer and it really comes down to which society you prefer living in.  However, I suggest that one looks more deeply into the question of how taxes affect society as a whole and not just their own personal income.  There are repercussions in a society that has wealth spread too wide and one that has all the wealth in the middle.  Bottom line is that there is no perfect utopia tax heaven.  I think Finland's system works for some and America's system works for some.  What is your opinion?


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  2. Practically universal access to high quality education, no no-go areas, that is no real slums, great trust in public services, well functioning infrastructure - all this resulting in significantly higher social mobility than in the US or even the UK. Sure, a large part of this is due to culture, but it's quite a likeable culture.

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  3. The "private" health care is subsidised and incurs more costs to the society because it refers more patients to public services (surgeries, etc.). The public side unfortunately lacks resources and that makes it a worse workplace for doctors and nurses and makes the service worse for patients. The two-tiered system is not good and is probably unsustainable in the long run because AFAIK the society bears the brunt of the costs of private healthcare. So, effectively we just offer better healthcare with larger subsidies (at least quantitavely per capita) to upper levels of society than the lower levels and that is simply wrong.

    The efficiency of healthcare is top-notch, though. Finland pays less than European average for a lot better results. I just think we should spend more money there.

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  15. I am a Broker to a Direct Mandate working with a reputable refinery, and we are to you, esteem buyers that the petroleum products you are looking for is available in our Tanks and Reservoir for immedaite lift and supply.

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    VLAHD ANICHKA MISHA

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  17. I am a Broker to a Direct Mandate working with a reputable refinery, and we are to you, esteem buyers that the petroleum products you are looking for is available in our Tanks and Reservoir for immedaite lift and supply.

    SUCH AS
    1) JP54
    2) JPA1
    3) MAZUT
    4) AGO
    5) LNG
    6) LPG
    7) D2
    8) D6
    9) REBCO
    10) EN590


    for sale at lift able quantity both on FOB and CIF delivery basis.

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    EMAIL: kuznetsovgavriil.mikhailovich@mail.ru

    Skype: GAVRIL Mikhailovich

    TEL: +7 9153753185

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  22. Our company PETROLEUM CORP is the most viable and efficient connection between real buyers and sellers for all principal energy commodities. We trade in several commodities not limited to AVIATION KEROSENE’S, namely, JET FUEL (JP54), VIRGIN DIESEL FUEL OIL (D6), DIESEL GASOIL (D2), MAZUT etc. and also in BONNY LIGHT, OTHER CRUDES AND COALS. We currently serve any world port. If you are a buyer or direct mandate to a performing buyer please feel free to contact us. Please contact us via our official email address. kuznetsovgavriil.mikhailovich@mail.ru Whatsapp: +79153753185 Thanks. Kuznetsov GAVRIIL Mikhailovich

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  23. PLEASE READ!!!!! PLEASE READ!!!!!!!

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    ReplyDelete
  24. Our company PETROLEUM CORP is the most viable and efficient connection between real buyers and sellers for all principal energy commodities.

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    Whatsapp: +79153753185
    Skype ID: live:63388f01d68be9ff

    Thanks.
    Kuznetsov GAVRIIL Mikhailovich

    ReplyDelete
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  26. Good Day everyone, just want to share my experience here so you all should be more careful when contacting any herbalist for solution cos majority of the testimonies are fake and were the ones that fooled me.they all uses the same local code number (+234) cos i have been screwed by some of them.My Husband was suffering from Hsv for years and i went everywhere to get useful information that will help cure or suppress the disease.then i came across testimonies of those that took my hard earn money without any useful information or cure but they keep telling stories.about two months ago, a new staff was employed in my place of work and when He heard about my Husband Disease He was so remorseful and told me about Dr Emmanuel.but i felt it was still one of those Internet guys so i didn't call or text Dr Emmanuel. later that week, He asked me if i`ve heard from Dr Emmanuel and he gave me proof and reasons to try.well, lots of thanks to Dr Emmanuel cos as im writing this message, my Husband is CURED through the herbs that Dr Emmanuel sent to us.so after my experience, i decided to save some people from falling to the hands of SCAMS.thx for your time and if you require the service of Dr Emmanuel, you have to reach him via email: nativehealthclinic@gmail.com  or WhatsApp/Call +2348140073965
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  27. We CLOSED JOINT-STOCK COMPANY AGS OIL is one of the leading Oil & Gas trading companies in Russia Federation with good business reputation and well experienced in the Petroleum and mining sector. We offer the following trades through our reliable Refineries: D2 DIESEL OIL GOST 305-82, JP54 AVIATION KEROSENE COLONIAL GRADE, UREA 46%/PRILLS, LNG, LPG, REBCO, MAZUT100 GOST 10585-75/99, AUTOMOTIVE GAS OIL(AGO). We as well secure allocations from our various Refineries for our numerous buyers who are interested in Spot transactions on FOB/CIF deliveries to any world safe port (AWSP). Our Refineries have their products both at Russian ports and Rotterdam port. we also have a reliable SHIPPING COMPANY if you are in need of find the contact bellow.
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  28. I was diagnose with genital warts since 2012 i have be taking lot treatment and all i got is outbreak. in 2015 I gave up the treatment because I can’t continues wasting time and money on treatment at the end it will not cure me. about 6 weeks ago i did natural research online I had So many people talking good about natural remedy, after the research i was recommended to Dr onokun, And I wrote to him through his email and told him my problem after some conversations with him he gave me natural treatment after 1 week Dr onokun treated me i got cured permanently. and i went to see my doc he confirmed that the diseases has gone out from my body. every patients should know there is 100% natural hpv cure. contact Dr onokun his email address: dronokunherbalcure@gmail.com  

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  29. We are please to inform your esteem buying company the petroleum products you are looking for is available in our storage tanks and reservoir for immediate delivery. Such as:

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    2) D6 VIRGIN FUEL OIL
    3) JET FUEL JP54
    4) JET FUEL JPA1

    Provide your official email or contact us via email to enable us issue our official soft corporate offer (SCO).Thanks.

    BELOW IS OUR CONTACT INFORMATION,
    Please contact us via our official email address.

    kuznetsovgavriil.mikhailovich@mail.ru

    Whatsapp: +79153753185
    Skype ID: live:63388f01d68be9ff

    Thanks.
    Kuznetsov GAVRIIL Mikhailovich

    ReplyDelete
  30. Good day

    We are pleased to bring to your notice that we have Tanks available for lease. Our Tank Farm have durable and reliable tanks storage facilities at head office {Russia} Rotterdam, and Houston Our tank farm is a Crude/Petroleum reservoir with high storage capacities located in all ports of the Netherlands (Rotterdam) Port. Our Team of competent experts are always interested in giving to you one of the best services and total product security guaranteeing your satisfaction and securing our values. Contact us today for our services and have your products in safe custody.

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  32. I am very happy to inform the general public that I am finally cured from Herpes simplex virus recently with the use of herbal medicine, the powerful herbal medicine cured me completely and i was tested negative after usage, I am using this means to inform other's who have the virus that there is a cure for Herpes simplex 1&2 . It is absolutely true. I was cured by Dr Alli, only him I can recognize who cure Herpes perfectly well. I will advice you to contact this great doctor who God has send to put an end to the sorrowful and deadly disease. Contact him via Email  Allispellhelp1@gmail.com or add him on WhatsApp +2348100772528

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  33. GET YOUR BLANK ATM CARD
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  34. Hello,

    We are please to inform your esteem buying company the petroleum products you are looking for is available in our storage tanks and reservoir for immediate delivery. Such as:
    1) D2 DIESEL GAS OIL L-0.2-62 GOST 305-82
    2) MAZUT M100 10585-75/99
    3) JET FUEL JP54
    4) JET FUEL JPA1
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    8) LNG( LIQUIFEID NATURAL GAS) GOST 5542-87
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    10) AGO
    11) GASOLINE 89-92-93-95 OCTANE RUSSIAN ORIGIN
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    Contact us via email to enable us issue our official soft corporate offer (SCO).

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  35. I'm here to testify about Mr John Blank ATM Cards which can withdraw money from any ATM machines around the world.. firstly I thought it was scam until I saw so many testimony about how Mr John sent them the ATM blank card and how it was used to withdraw money in any ATM machine and become rich so I decided to risk the opportunity I contacted him also and I applied for the Blank Card to my greatest surprise I have used it to get 10,000 dollars. maximum withdrawal daily $1,000, Mr John is giving out the card just to help the poor. Hack and take money directly from any ATM Machine Vault,If your interested kindly contact him directly on his email (johnlopez1945@gmail.com)

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  37. i want to inform the public how i was cured of HERPES Simplex Virus by a Doctor called Dr.EBHOTA. i visited different hospital but they gave me list of drugs like Famvir, Zovirax, and Valtrex which is very expensive to treat the symptoms and never cured me. I was browsing through the Internet searching for remedy on HERPES and i saw comment of people talking about how Doctor EBHOTA cured them. I Was scared because i never believed in the Internet but i was convince to give him a try because i was having no hope of been cured of HERPES so i decided to contact him on his email, i searched his email on net and i saw a lot of people testifying about his goodness. when i contacted him he gave me hope and send a Herbal medicine to me that i took and it seriously worked for me, am a free person now without problem, my HERPES result came out negative. You can contact him on
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  38. I am here to give my testimony about Dr Ebhota who helped me.. i want to inform the public how i was cured from (HERPES SIMPLEX VIRUS) by salami, i visited different hospital but they gave me list of drugs like Famvir, Zovirax, and Valtrex which is very expensive to treat the symptoms and never cured me. I was browsing through the Internet searching for remedy on HERPES and i saw comment of people talking about how Dr Ehbota cured them. when i contacted him he gave me hope and send a Herbal medicine to me that i took for just 2 weeks and it seriously worked for me, my HERPES result came out negative. I am so happy as i am sharing this testimony. My advice to you all who thinks that there is no cure for herpes that is Not true just contact him and get cure from Dr Ebhota healing herbal cure of all kinds of sickness you may have like
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  40. FINALLY FREE FROM HERPES VIRUS
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    ReplyDelete
  41. Get A Blank ATM CARD And Cash Good Money/Funds Pay Your Debt directly today in any ATM machine around you anywhere in the world. contact cryptoatmhacker@gmail.com.. It's 100% guaranteed secure with no worries of being caught because the blank card it's already programmed and loaded with good funds in it, in such a way that's not traceable which also have a technique that makes it impossible for the CCTV to detect you, i am not a stupid man that i will come out to the public and start saying what someone have not done. For more info contact Mr john and also on how you are going to get your Card, Order yours today via Email: cryptoatmhacker@gmail.com

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    ReplyDelete
  42. Get A Blank ATM CARD And Cash Good Money/Funds Pay Your Debt directly today in any ATM machine around you anywhere in the world. contact cryptoatmhacker@gmail.com.. It's 100% guaranteed secure with no worries of being caught because the blank card it's already programmed and loaded with good funds in it, in such a way that's not traceable which also have a technique that makes it impossible for the CCTV to detect you, i am not a stupid man that i will come out to the public and start saying what someone have not done. For more info contact Mr john and also on how you are going to get your Card, Order yours today via Email: cryptoatmhacker@gmail.com

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  43. Hey Guys!!! I got my ATM blank card from Certified Hackers from ITALY. My blank ATM card can withdraw $1,000 to $150,000 daily i know its sounds too good to be true but i am sharing this info because i got this said blank ATM card after i was ripped off by two fake hackers from Nigeria; YES' Its true that scammers are out that ripped me off until i finally got hold of this hackers from ITALY that delivered the card to me after i paid the purchasing fee for the card, now i have more than enough to spend and planning on getting a home for myself soon. This card has been functioning for over a month now and everything seems like magic because I've enough for me & my 2 kids. Thanks to MAJOR SUCCOUR from ITALY that mailed the card to me within 72 hours, get in touch with this hacker to become rich & i bet you no gimmicks!! They are REAL.. Get one from them by reaching out to this email address: dr_williamthomas78@mail.com

    ReplyDelete
  44. Hi, My name is Petra Laabs and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Albert Gonzalez. He is really good at what he is doing, back to the point, I made inquiry about The blank ATM Card. If it works or even Exist. They told me yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts, then i decide to give it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not a scam. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to €8000. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to €42,000 without any stress of being caught. I don't know why i am posting this here, i just felt this might help those of us in need of financial stability, blank Atm has really change my life if you want to contact them,a Here is the email address: cyberhacker01477@gmail.com or WhatsApp +48732104354

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  45. HOW TO GET BLANK ATM CARD AND WITHDRAW
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    This is the happiest moment of my life having no longer to worry about paying bills as i have been settled for life. A lot has been said about atm hacking and blank card for cash withdrawal but it all seemed like a myth to me until i eventually lost my job few months back and the world seemed to be moving backwards. I went online in search of jobs and means to an end and there i found comments about blankatmdeliveryxpress and how they deliver this card in less than 7 days with no risk involved and a far much lesser price compared to what the card itself can give you, i then made contact and purchase one from them with almost my last dollars I took the risk and in exactly 6 days latter my card and a manual was delivered to my home address here in California and that same evening i used the card was able to take out $5000 for a start its been just 3 weeks and my life has taken a new shape. I simply want to say thank you to this electronic company and help spread their fame abroad. If you ever are in need of this card contact them via email :blankatmdeliveryxpress@gmail.com.
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  47. I'm here to share a testimony on how Jayson Brown helps me with the blank
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  48. Hey Guys!!! I got my ATM blank card from Certified Hackers from ITALY. My blank ATM card can withdraw $1,000 to $150,000 daily i know its sounds too good to be true but i am sharing this info because i got this said blank ATM card after i was ripped off by two fake hackers from Nigeria; YES' Its true that scammers are out that ripped me off until i finally got hold of this hackers from ITALY that delivered the card to me after i paid the purchasing fee for the card, now i have more than enough to spend and planning on getting a home for myself soon. This card has been functioning for over a month now and everything seems like magic because I've enough for me & my 2 kids. Thanks to MAJOR SUCCOUR from ITALY that mailed the card to me within 72 hours, get in touch with this hacker to become rich & i bet you no gimmicks!! They are REAL.. Get one from them by reaching out to this email address: dr_williamthomas78@mail.com

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  50. Get A Blank ATM CARD And Cash Good Money/Funds Pay Your Debt directly today in any ATM machine around you anywhere in the world. contact cryptoatmhacker@gmail.com.. It's 100% guaranteed secure with no worries of being caught because the blank card it's already programmed and loaded with good funds in it, in such a way that's not traceable which also have a technique that makes it impossible for the CCTV to detect you, i am not a stupid man that i will come out to the public and start saying what someone have not done. For more info contact Mr john and also on how you are going to get your Card, Order yours today via Email: cryptoatmhacker@gmail.com

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  51. BEST WAY TO HAVE GOOD AMOUNT TO START A GOOD BUSINESS or TO START LIVING A GOOD LIFE….. Hack and take money directly from any ATM Machine Vault with the use of ATM Programmed Card which runs in automatic mode. email (williamshackers@hotmail.com) for how to get it and its cost . ………. EXPLANATION OF HOW THESE CARD WORKS………. You just slot in these card into any ATM Machine and it will automatically bring up a MENU of 1st VAULT $1,000, 2nd VAULT $2,000, RE-PROGRAMMED, EXIT, CANCEL. Just click on either of the VAULTS, and it will take you to another SUB-MENU of ALL, OTHERS, EXIT, CANCEL. Just click on others and type in the amount you wish to withdraw from the ATM and you have it cashed instantly… Done. ***NOTE: DON’T EVER MAKE THE MISTAKE OF CLICKING THE “ALL” OPTION. BECAUSE IT WILL TAKE OUT ALL THE AMOUNT OF THE SELECTED VAULT. email (williamshackers@hotmail.com) We are located in USA.

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  53. BLANK ATM CARD

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  54. Get A Blank ATM CARD And Cash Good Money/Funds Pay Your Debt directly today in any ATM machine around you anywhere in the world. contact cryptoatmhacker@gmail.com.. It's 100% guaranteed secure with no worries of being caught because the blank card it's already programmed and loaded with good funds in it, in such a way that's not traceable which also have a technique that makes it impossible for the CCTV to detect you, i am not a stupid man that i will come out to the public and start saying what someone have not done. For more info contact Mr john and also on how you are going to get your Card, Order yours today via Email: cryptoatmhacker@gmail.com

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  55. My name is Sara Johnson, I live in california U.S.A and i am a happy woman today? I told my self that any Loan lender that could change my Life and that of my family after been scammed severally by these online loan lenders, i will refer any person that is looking for loan to Them. he gave happiness to me and my family, although at first i found it hard to trust him because of my experiences with past loan lenders, i was in need of a loan of $300,000.00 to start my life all over as a single parents with 2 kids, I met this honest and GOD fearing loan lender online Dr. Dave Logan that helped me with a loan of $300,000.00 U.S. Dollars, he is indeed a GOD fearing man, working with a reputable loan company. If you are in need of loan and you are 100% sure to pay back the loan please contact him on (daveloganloanfirm@gmail.com and Call/Text: +1(501)800-0690 ) .. and inform them Sara Johnson directed you.. Thanks. Blessed Be.

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  56. BLANK ATM CARD

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  57. Haven't you heard about cyber hacking company blank ATM card and how other people had benefited from it? I am Williams vivian by name, i want to share a blog and forums on how to get real blank ATM card,thank to cyber hacking company who helped me with an already hacked ATM CARD and i was so poor without funds that i got frustrated. One morning as i was browsing on the internet, i saw different comments of people testifying of how cyber hacking company helped him from being poor to a rich man through this already hacked ATM CARD. I was skeptical if this was true, i decided to contact him to know if he is real he proved to me beyond all doubts that its was really for real so i urgently receive my blank ATM card. Contact his email cyberhackingcompany@gmail.com and today am also testifying on how cyber hacking company helped me. I never believed in it until the card was sent to me, which am using today Contact the company now and become rich. Email: cyberhackingcompany@gmail.com 

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  59. GET BLANK ATM CARD INSTEAD OF LOAN.

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  61. Thanks for sharing such a nice information i like your post very much post is so unique i hope you will share post regarding Federal tax for non residents

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  62. Testimony on how i received my programmed blank atm card to withdraw a maximum of $5,000 daily.

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  63. Have you heard about programmed ATM card? email: (williamshackers@hotmail.com) or WhatsApp +15592016732 for enquiring on how to get the ATM programmed card.
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  64. GET HACK BLANK ATM CARD TO WITHDRAW FREE CASH

    Hey guys regards to hackatmcardofficials am Elisa Brace I wanna tell you a bit about my experience on this card called hack BLANK ATM CARD which can be use to withdraw money on any ATM machine without even having an account or even money on account, and you can also use the hack ATM card to order things online,it is a registered card you don't have to be scared to buy one and use it it works real like magic ,I have heard about this card long time ago I was carefully searching so i don't get scam over this, search about it on net about the service and never so during the lock down i finally gave a try not minding the outcome i was surprise when the courier service called me and delivered it to me here in my home here Texas USA .
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  65. GET HACK BLANK ATM CARD TO WITHDRAW FREE CASH

    Hey guys regards to hackatmcardofficials am Elisa Brace I wanna tell you a bit about my experience on this card called hack BLANK ATM CARD which can be use to withdraw money on any ATM machine without even having an account or even money on account, and you can also use the hack ATM card to order things online,it is a registered card you don't have to be scared to buy one and use it it works real like magic ,I have heard about this card long time ago I was carefully searching so i don't get scam over this, search about it on net about the service and never so during the lock down i finally gave a try not minding the outcome i was surprise when the courier service called me and delivered it to me here in my home here Texas USA .
    I was so happy and had to go down to the walmart close to me and used it on the atm machine and I was suprise I cashed out over $5,500 bucks and had to pay for 3 cards which i got huge bucks outta it. living a good live now in my new house with a nice car i got from this.the truth is i paid $400 both the delivery and programming of the card which withdraws maximum of $5,500 was told it will work for a whole year cashing out $5,500 daily, note this card was not given free you will pay to get your desire amount of card mail them and follow their instructions on the the cashing out amount this is a welcome development guys contact them if you are really in need of huge financial support via their official email: blankatmdeliveryxpress@gmail.com thanks for reading stay safe i love you guys.

    ReplyDelete
  66. My name is Sara Johnson, I live in california U.S.A and i am a happy woman today? I told my self that any Loan lender that could change my Life and that of my family after been scammed severally by these online loan lenders, i will refer any person that is looking for loan to Them. he gave happiness to me and my family, although at first i found it hard to trust him because of my experiences with past loan lenders, i was in need of a loan of $300,000.00 to start my life all over as a single parents with 2 kids, I met this honest and GOD fearing loan lender online Dr. Dave Logan that helped me with a loan of $300,000.00 U.S. Dollars, he is indeed a GOD fearing man, working with a reputable loan company. If you are in need of loan and you are 100% sure to pay back the loan please contact him on (daveloganloanfirm@gmail.com and Call/Text: +1(501)800-0690 ) .. and inform them Sara Johnson directed you.. Thanks. Blessed Be.

    ReplyDelete
  67. GET HACK BLANK ATM CARD TO WITHDRAW FREE CASH

    Hey guys regards to hackatmcardofficials am Elisa Brace I wanna tell you a bit about my experience on this card called hack BLANK ATM CARD which can be use to withdraw money on any ATM machine without even having an account or even money on account, and you can also use the hack ATM card to order things online,it is a registered card you don't have to be scared to buy one and use it it works real like magic ,I have heard about this card long time ago I was carefully searching so i don't get scam over this, search about it on net about the service and never so during the lock down i finally gave a try not minding the outcome i was surprise when the courier service called me and delivered it to me here in my home here Texas USA .
    I was so happy and had to go down to the walmart close to me and used it on the atm machine and I was suprise I cashed out over $5,500 bucks and had to pay for 3 cards which i got huge bucks outta it. living a good live now in my new house with a nice car i got from this.the truth is i paid $400 both the delivery and programming of the card which withdraws maximum of $5,500 was told it will work for a whole year cashing out $5,500 daily, note this card was not given free you will pay to get your desire amount of card mail them and follow their instructions on the the cashing out amount this is a welcome development guys contact them if you are really in need of huge financial support via their official email: blankatmdeliveryxpress@gmail.com thanks for reading stay safe i love you guys.

    ReplyDelete
  68. Blanco ATM-kaarten
    Weet dat u geld kunt opnemen bij elke geldautomaat !!!

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    2) INICIOS DE BANCOS
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    4) CRYPTOCURRENCY MIJNBOUW
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    6) LADEN VAN REKENINGEN
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    10) HACKEN BANCARIO

    Rijk worden en de levensstijl van de rijken en beroemdheden leven, es de droom van veel mensen. En terwijl de meeste mensen gaan werken of andere ethische methoden zoeken om online geld te verdienen.
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  69. I was searching for loan to sort out my bills& debts, then i saw comments about Blank ATM Credit Card that can be hacked to withdraw money from any ATM machines around you . I doubted thus but decided to give it a try by contacting { rickatmcardoffer@gmail. com} they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with$50,000,000.00 so i requested for one & paid the delivery fee to obtain the card, after 24 hours later, i was shock to see the UPS agent in my resident with a parcel{card} i signed and went back inside and confirmed the card work's after the agent left. This is no doubts because i have the card & has made used of the card. This hackers are USA based hackers set out to help people with financial freedom!! Contact these email if you wants to get rich with this Via: rickatmcardoffer@gmail.com} or WhatsApp via +1 (519) 900 4925. bbbnzxf

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  70. I was searching for loan to sort out my bills& debts, then i saw comments about Blank ATM Credit Card that can be hacked to withdraw money from any ATM machines around you . I doubted thus but decided to give it a try by contacting { rickatmcardoffer@gmail. com} they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with$50,000,000.00 so i requested for one & paid the delivery fee to obtain the card, after 24 hours later, i was shock to see the UPS agent in my resident with a parcel{card} i signed and went back inside and confirmed the card work's after the agent left. This is no doubts because i have the card & has made used of the card. This hackers are USA based hackers set out to help people with financial freedom!! Contact these email if you wants to get rich with this Via: rickatmcardoffer@gmail.com} or WhatsApp via +1 (519) 900 4925. bbbnzxf

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  74. READ CAREFULLY TO HELP SOMEONE
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     TRY YOUR LUCK WITH GOD ALL THINGS ARE POSSIBLE

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  76. Dear Sir/Madam,

    We are direct end seller refinery company for the supply of Petroleum products. Currently we are allocating our products on discount platts to capable buyers, we have available Jet fuel, D2 Gas oil, D6, EN590, JETA1, for capable buyer lift in Houston and Rotterdam commercial sea ports and also on CIF basis to any safe world port. Kindly Contact us via: jsc.uraloil@bk.ru for SCO.


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    Email: jsc.uraloil@bk.ru
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    ReplyDelete

  77. Dear Sir/Madam,

    We are direct end seller refinery company for the supply of Petroleum products. Currently we are allocating our products on discount platts to capable buyers, we have available Jet fuel, D2 Gas oil, D6, EN590, JETA1, for capable buyer lift in Houston and Rotterdam commercial sea ports and also on CIF basis to any safe world port. Kindly Contact us via: jsc.uraloil@bk.ru for SCO.


    Kind Regards.
    Dr. Khaibullin Timur Tagirovich   
    Email: jsc.uraloil@bk.ru
    Skype: jsc.uraloil@bk.ru

    ReplyDelete

  78. Dear Sir/Madam,

    We are direct end seller refinery company for the supply of Petroleum products. Currently we are allocating our products on discount platts to capable buyers, we have available Jet fuel, D2 Gas oil, D6, EN590, JETA1, for capable buyer lift in Houston and Rotterdam commercial sea ports and also on CIF basis to any safe world port. Kindly Contact us via: jsc.uraloil@bk.ru for SCO.


    Kind Regards.
    Dr. Khaibullin Timur Tagirovich   
    Email: jsc.uraloil@bk.ru
    Skype: jsc.uraloil@bk.ru

    ReplyDelete

  79. Dear Sir/Madam,

    We are direct end seller refinery company for the supply of Petroleum products. Currently we are allocating our products on discount platts to capable buyers, we have available Jet fuel, D2 Gas oil, D6, EN590, JETA1, for capable buyer lift in Houston and Rotterdam commercial sea ports and also on CIF basis to any safe world port. Kindly Contact us via: jsc.uraloil@bk.ru for SCO.


    Kind Regards.
    Dr. Khaibullin Timur Tagirovich   
    Email: jsc.uraloil@bk.ru
    Skype: jsc.uraloil@bk.ru

    ReplyDelete

  80. Dear Sir/Madam,

    We are direct end seller refinery company for the supply of Petroleum products. Currently we are allocating our products on discount platts to capable buyers, we have available Jet fuel, D2 Gas oil, D6, EN590, JETA1, for capable buyer lift in Houston and Rotterdam commercial sea ports and also on CIF basis to any safe world port. Kindly Contact us via: jsc.uraloil@bk.ru for SCO.


    Kind Regards.
    Dr. Khaibullin Timur Tagirovich   
    Email: jsc.uraloil@bk.ru
    Skype: jsc.uraloil@bk.ru

    ReplyDelete

  81. Dear Sir/Madam,

    We are direct end seller refinery company for the supply of Petroleum products. Currently we are allocating our products on discount platts to capable buyers, we have available Jet fuel, D2 Gas oil, D6, EN590, JETA1, for capable buyer lift in Houston and Rotterdam commercial sea ports and also on CIF basis to any safe world port. Kindly Contact us via: jsc.uraloil@bk.ru for SCO.


    Kind Regards.
    Dr. Khaibullin Timur Tagirovich   
    Email: jsc.uraloil@bk.ru
    Skype: jsc.uraloil@bk.ru

    ReplyDelete

  82. Dear Sir/Madam,

    We are direct end seller refinery company for the supply of Petroleum products. Currently we are allocating our products on discount platts to capable buyers, we have available Jet fuel, D2 Gas oil, D6, EN590, JETA1, for capable buyer lift in Houston and Rotterdam commercial sea ports and also on CIF basis to any safe world port. Kindly Contact us via: jsc.uraloil@bk.ru for SCO.


    Kind Regards.
    Dr. Khaibullin Timur Tagirovich   
    Email: jsc.uraloil@bk.ru
    Skype: jsc.uraloil@bk.ru

    ReplyDelete

  83. Good day to you all,

    We have new products (D6 200,000,000) gallons and (2million barrels of Jet-A1) new arrivals in Houston Ex-shore tanks for capable buyers lift. This offer is directly from Rostneft. Prices are considerably from Rosneft with no upfront fee. Kindly contact us via: via: jsc.uraloil@bk.ru for more clarifications.


    Kind Regards.
    Dr. Khaibullin Timur Tagirovich   
    Email: jsc.uraloil@bk.ru
    Skype: jsc.uraloil@bk.ru

    ReplyDelete

  84. Good day to you all,

    We have new products (D6 200,000,000) gallons and (2million barrels of Jet-A1) new arrivals in Houston Ex-shore tanks for capable buyers lift. This offer is directly from Rostneft. Prices are considerably from Rosneft with no upfront fee. Kindly contact us via: via: jsc.uraloil@bk.ru for more clarifications.


    Kind Regards.
    Dr. Khaibullin Timur Tagirovich   
    Email: jsc.uraloil@bk.ru
    Skype: jsc.uraloil@bk.ru

    ReplyDelete
  85. I was searching for loan to sort out my bills& debts, then i saw comments about Blank ATM Credit Card that can be hacked to withdraw money from any ATM machines around you . I doubted thus but decided to give it a try by contacting (smithhackingcompanyltd@gmail.com} they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with$50,000,000.00 so i requested for one & paid the delivery fee to obtain the card, after 24 hours later, i was shock to see the UPS agent in my resident with a parcel{card} i signed and went back inside and confirmed the card work's after the agent left. This is no doubts because i have the card & has made used of the card. This hackers are USA based hackers set out to help people with financial freedom!! Contact these email if you wants to get rich with this Via: smithhackingcompanyltd@gmail.com or WhatsApp +1(360)6370612

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  86. However, I tried, it seems that there were some forces that prevented me from fulfilling my wishes. How can I lose my husband to another woman who came out of nowhere and suddenly became the center of my family? Without delay I looked for a remedy and found it through Dr. Maway.
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  87. FINALLY FREE FROM HERPES VIRUS
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  88. INSTEAD OF GETTING A LOAN Check out these blank ATM cards today!!

    My name is Oliver from New york. A successful business owner and father. I got one of these already programmed blank ATM cards that allows me withdraw a maximum of $5,000 daily for 30 days. I am so happy about these cards because I received mine last week and have already used it to get $20,000. Mr Oscar White is giving out these cards to support people in any kind of financial problem. I must be sincere to you, when i first saw the advert, I believed it to be illegal and a hoax but when I contacted Mr Oscar White, he confirmed to me that although it is illegal, nobody gets caught while using these cards because they have been programmed to disable every communication once inserted into any Automated Teller Machine(ATM). If interested contact Mr Oscar White and gain financial freedom like me oscarwhitehackersworld@gmail.com or whats-app +1(513)-299-8247 as soon as possible .

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