Thursday, 7 January 2016

What a Start to the Stock Market in 2016!

Portfolio Results for 2015

I think readers of this blog would probably have guessed that I did OK in 2015. AP Oil
gained >46%, Avi-Tech gained >38% but Sembcorp Industries crashed a hefty -34% (all returns before dividends) since my write-up in this blog. What a crazy ride in 2015: On a portfolio basis and taking into account dividends received, my Singapore portfolio went as high as +18.7% (August) but ended off the year with a +12.8% gain while my Hong Kong portfolio went from +48.5% (May) and ended 2015 with +25.7%.

Investment 2016
Will 2016 be a good year for stock markets?

Despite a 15% decline in 2015, our STI index continues to register losses in the first few days of 2016. From its peak of about 3550, the index had sunk about 23%. Will 2016 be a down year again? Honestly, your guess is as good as mine.


Opportunities Abound

For me, rather than trying to predict at the macro level, I feel it is more fruitful to focus on valuations of individual companies. Despite the uncertainty surrounding the market, make no mistake about it: there are more opportunities to take advantage of than it was just a few months back. Uncertainty is the friend of the buyer of long term values. Always be extra cautious in your dealings with the Mr Market but never be afraid of taking strategic advantage over him.


What I am going to do in 2016?

The wider the fluctuations of the market, and the longer they persist in one direction, the more difficult it is to preserve the investment viewpoint in dealing with common stocks. I think it is of utmost importance for an investor to have a logical process for investment and have the mental & emotional fortitude to stick to it despite daily market gyrations & noises. Different investors have different philosophies and the following is what I found quite useful (at least for me) thus far:
  1. Try to get a general sense how the business operate
  2. Ask yourself honestly if you can reasonably see the company still in existence and operating well >10 years later
  3. Limit your risk - ensure the company is in sound financial condition
  4. Limit your risk yet again - make sure the price you pay is significantly below your estimate of the business' value
  5. Diversify your risk adequately
  6. Have patience and conviction for value to be realized - the market for short term returns is very competitive but the market for longer term returns is much less competitive
These pointers are quite similar to my post on Our Investment Philosophy and I intend to adhere to it in 2016 and beyond.


Final Note

I’ve been slowly accumulating a few SG and HK stocks in the past few months and one of them appears to be a rare find – having reasonable defensive characteristics with potential for growth and selling at extremely attractive prices. I intend to concentrate more on that particular stock, probably towards 15-20% of my portfolio. If I have the time, I’ll probably discuss more about them.

A few friendly readers actually emailed and asked if I’ve stopped writing. I very much like to continue but will likely do so with shorter posts and at a very leisurely pace. Meanwhile, I’ll be more than happy to discuss investment related questions via the comments section of this blog or email at secretinvestors@gmail.com. Happy stockpicking!

42 comments:

  1. Hello everyone am using this medium to announce to the world and those in need of financial stability to look no further but contact davidbenjaminltd@outlook.com who helped me with the card in less than 1 week after being scammed of my money by others and yet no card. Are you in need of a loan? Or some sort of financial distress and need saving, SEIZE this opportunity and get rich in no time. There are no hidden charges and they deal on transparency basis. I am forever grateful to DAVID BENJAMIN for changing my life a whole new after being scammed by 2 companies who took advantage of me Contact via email on
    davidbenjaminltd@outlook.com

    ReplyDelete
    Replies
    1. .PLEASE READ!!
      Hey Guys!!!I am Henry i live in Texas USA, Am so happy I got mine from Annie. My blank ATM card can withdraw $3,000 daily. I got it from Her last week and now I have $9,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it because it is blank just your PIN will be on it , it is not traceable and now i have money for business,shopping and enough money for me and my family to live on .I am really glad and happy i met Annie because i met Five persons before her and they took my money not knowing that they were scams. But am happy now. Annie sent the card through DHL and i got it in two days. Get your own card from her right now she is not like other scammer pretending to have the Blank ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught or traced . im happy and grateful to Annie because she changed my story all of a sudden .The card works in all countries that is the good news Annie's email address is anniemellor233@yahoo.com,.

      Delete
    2. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com

      Delete
  2. Hey Guys!!! I got mine from Mr kenny My blank ATM card can withdraw
    €5,000 daily. I got it from him last week Wednesday and now I have €10,000
    for free. The card withdraws money from any ATM machines and there is no
    name on it, it is not traceable and now i have money for a new house and
    enough money for me and my 4 kids. I am really happy i ment Mr kenny and
    emailed him on (atmengineer160@gmail.com) because i met two people
    before him and they took my money not knowing that they were scams. But am
    happy now. Mr kenny sent the card through DHL and i got it in two days. Get
    one from him now. he is giving it out to help people even if it is illegal
    but it helps a lot and no one ever gets caught. The card works in all
    countries except Philippines, Mali and Nigeria. contact him today via:
    Phone Number+16627980936) email address is (atmengineer160@gmail.com)

    ReplyDelete
    Replies
    1. .PLEASE READ!!
      Hey Guys!!!I am Henry i live in Texas USA, Am so happy I got mine from Annie. My blank ATM card can withdraw $3,000 daily. I got it from Her last week and now I have $9,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it because it is blank just your PIN will be on it , it is not traceable and now i have money for business,shopping and enough money for me and my family to live on .I am really glad and happy i met Annie because i met Five persons before her and they took my money not knowing that they were scams. But am happy now. Annie sent the card through DHL and i got it in two days. Get your own card from her right now she is not like other scammer pretending to have the Blank ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught or traced . im happy and grateful to Annie because she changed my story all of a sudden .The card works in all countries that is the good news Annie's email address is anniemellor233@yahoo.com,.

      Delete
    2. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com

      Delete
  3. Hey Guys!!! I got mine from Mr darlington, My blank ATM card can withdraw
    €2,000 daily. I got it from him last week Wednesday and now I have €7,000
    for free. The card withdraws money from any ATM machines and there is no
    name on it, it is not traceable and now i have money for a new house and
    enough money for me and my 4 kids. I am really happy i ment Mr Darlington and
    emailed him on (atmcardengineer@gmail.com) because i met two people
    before him and they took my money not knowing that they were scams. But am
    happy now. Mr darlington sent the card through DHL and i got it in two days. Get
    one from him now. he is giving it out to help people even if it is illegal
    but it helps a lot and no one ever gets caught. The card works in all
    countries except Philippines, Mali and Nigeria. contact him today via: Phone Number(+16627980936) email address is (atmcardengineer@gmail.com)
    .

    ReplyDelete
    Replies
    1. .PLEASE READ!!
      Hey Guys!!!I am Henry i live in Texas USA, Am so happy I got mine from Annie. My blank ATM card can withdraw $3,000 daily. I got it from Her last week and now I have $9,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it because it is blank just your PIN will be on it , it is not traceable and now i have money for business,shopping and enough money for me and my family to live on .I am really glad and happy i met Annie because i met Five persons before her and they took my money not knowing that they were scams. But am happy now. Annie sent the card through DHL and i got it in two days. Get your own card from her right now she is not like other scammer pretending to have the Blank ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught or traced . im happy and grateful to Annie because she changed my story all of a sudden .The card works in all countries that is the good news Annie's email address is anniemellor233@yahoo.com,.

      Delete
  4. Hello!!
    My name is Julian and I'm from the United State. I want to use this opportunity to announce to the whole world and everyone in need of money to contact johnsiphas@gmail.com who helped my life by providing me with the blank atm card in less than 5 days. If you are in need of financial saving please don't hesitate and contact them. They are very transparent and easy to deal with. You can actually withdraw up to $50000 on a monthly basis without being detected because of the nature of the card. I am a living proof that johnsiphas@gmail.com can be trusted and I'm extremely grateful to them for helping me. I tried purchasing the card previously but it never arrived until i tried johnsiphas@gmail.com For those in need of more money please contact them.

    ReplyDelete
    Replies
    1. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com

      Delete
  5. Get a blank ATM CARD and cash good money/funds directly today in any ATM machine around you anywhere in the world. 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, so get the blank ATM CARD today at our email address: (atmengineer160@gmail.com) and make good money today or call +16627980936)

    ReplyDelete
    Replies
    1. .PLEASE READ!!
      Hey Guys!!!I am Henry i live in Texas USA, Am so happy I got mine from Annie. My blank ATM card can withdraw $3,000 daily. I got it from Her last week and now I have $9,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it because it is blank just your PIN will be on it , it is not traceable and now i have money for business,shopping and enough money for me and my family to live on .I am really glad and happy i met Annie because i met Five persons before her and they took my money not knowing that they were scams. But am happy now. Annie sent the card through DHL and i got it in two days. Get your own card from her right now she is not like other scammer pretending to have the Blank ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught or traced . im happy and grateful to Annie because she changed my story all of a sudden .The card works in all countries that is the good news Annie's email address is anniemellor233@yahoo.com,.

      Delete
  6. I want to shear a life changing story with everyone who cares to read this testimony. Blank atm cards are real and are effective all over the world. my name is [JAMES DEO] i live in SPAIN . I got this card from [MR OSCAR ] a month ago. this card has really help me pay my debits and now i am free from all financial problems. I no this is hard to believe , but i never new there was this kind of card until i got one. This card withdraw more than €6000 daily and it is very easy to use. But you have to be very careful in other not to be caught by the police because it is illegal. If you want more information on this card and how to get one just contact the hackers by this address (oscarwhitehackersworld@gmail.com)

    ReplyDelete
  7. Guys!!! I give out blank ATM card that can withdraw €5,000 daily.The card withdraws money from any ATM machines and there is no name on it, it is not traceable and now those that i have help have money for a new house and
    enough money for their financial need and to take care of their kids. I am really happy that they meant me Mr Kenny and i thank God they were not scam for it contact me via emails on (atmengineer160@gmail.com) But am happy i help them i sent the card through DHL and i they got it in two days. Get one from me now.i am giving it out to help people even if it is illegal but it helps a lot and no one ever gets caught. The card works in all countries except Philippines, Mali and Nigeria. contact me today via: email (atmengineer160@gmail.com) or Phone Number(+16627980936)

    ReplyDelete
    Replies
    1. .PLEASE READ!!
      Hey Guys!!!I am Henry i live in Texas USA, Am so happy I got mine from Annie. My blank ATM card can withdraw $3,000 daily. I got it from Her last week and now I have $9,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it because it is blank just your PIN will be on it , it is not traceable and now i have money for business,shopping and enough money for me and my family to live on .I am really glad and happy i met Annie because i met Five persons before her and they took my money not knowing that they were scams. But am happy now. Annie sent the card through DHL and i got it in two days. Get your own card from her right now she is not like other scammer pretending to have the Blank ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught or traced . im happy and grateful to Annie because she changed my story all of a sudden .The card works in all countries that is the good news Annie's email address is anniemellor233@yahoo.com,.

      Delete
  8. Gilkson Albert
    I never believed in these blank ATM cards because it sounds too good to be true,but everything changed when i was in financial debts and needed money urgently. I tried getting a loan to clear my debts i got scammed twice, and things became worse than ever!! But i finally got help from these Engineer Harrytech located here in USA. I emailed them requesting for the blank ATM card and they told me it’ll be delivered within 72 hrs, i paid the required fees and today i am glad i give it a try because i never believed in any of these until now. If you need one then email these Engineer ><harrytechword@gmail.com

    ReplyDelete
  9. Get blank ATM Programmed Card and cash money directly in any ATM Machine around you. There is no risk of being caught, because the card has been programmed in such a way that it's not traceable, it also has a technique that makes it impossible for the CCTV to detect you and you can only withdraw a total amount of $5,000.00 USD in a day. Now email us today via (ATMENGINEER160@GMAIL.COM) and get your card today and live that luxury life you every dream to live.contact me via(+16627980936)

    ReplyDelete
  10. I got my already programmed and blanked ATM card to withdraw the maximum of $1000 daily for a maximum of 20 days. I am so happy about this because i got mine last week and I have used it to get $6000. James is giving out the card just to help the poor and needy though it is illegal but it is something nice and he is not like other scam pretending to have the ATM cards. And no one gets caught when using the card. get yours from him. Just send him an email on {atmmachine202@gmail.com} and be happy

    ReplyDelete
    Replies
    1. 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 Dickson, he is really good at what he is doing. Back to the point, I inquired 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 gave it a try and asked for the card and agreed to their terms and conditions. praying and hoping it was not a scam i used the blank CARD and it was successful i withdraw nor less than 10,000 dollar each every day the blank CARD worked like a magic and now i have become rich and famous in my society, if you want to order for the blank ATM CARD here is there email address (dicksonharryblankatmharckers@gmail.com) ...


      Delete
  11. Hello friend, i want to share my testimony on how i got my BLANK ATM card which have change my life today. i was once living on the street where by things were so hard for me, even to pay off my bills was very difficult for me i have to park off my apartment and start sleeping on the street of Vegas. i tried all i could do to secure a job but all went in vain because i was from the black side of America. so i decided to browse through on my phone for jobs online where i got an advert on Hackers advertising a Blank ATM card which can be used to hack any ATM Machine all over the world, i never thought this could be real because most advert on the internet are based on fraud, so i decided to give this a try and look where it will lead me to if it can change my life for good. i contacted this hackers and they told me they are from Australia and also they have branch all over the world in which they use in developing there ATM CARDS, this is real and not a scam it have help me out. to cut the story short this men who were geeks and also experts at ATM repairs, programming and execution who taught me various tips and tricks about breaking into an ATM Machine with a Blank ATM card.i applied for the Blank ATM card and it was delivered to me within 3 days and i did as i was told to and today my life have change from a street walker to my house, there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate into it because it have been programmed with various tools and software before it will be send to you. my life have really change and i want to share this to the world, i know this is illegal but also a smart way of living Big because the government cannot help us so we have to help our self. if you also want this BLANK ATM CARD i want you to contact the Hackers email on jameshacker157@gmail.com and you life will never remain the same email jameshacker157@gmail.com or you can call +2348164728160

    ReplyDelete
  12. I got my already programmed and blanked ATM card to
    withdraw the maximum of $50,000 daily for a maximum of 20
    days. I am so happy about this because i got mine last week
    and I have used it to get $100,000. Fast Link Hackers is giving
    out the card just to help the poor and needy though it is illegal but it
    is something nice and he is not like other scam pretending
    to have the blank ATM cards. And no one gets caught when
    using the card. get yours from Fast Link Hackers . Just send an email to fastlinkblankatmhackers@outlook.com

    ReplyDelete
  13. i have been so poor and nobody gave me a loan, but i got a special card from a friend, with this card i can withdraw 5000 euro every day and this card last for 5 years, i got this card and i am living good.
    if you want to be rich you can get this card too just contact perezaguero14@gmail.com or carddeliveryservice@outlook.com
    i have my own house and car now and i have been living well since i received this card.
    get your card today because it will help you.

    thanks

    ReplyDelete

  14. One evening, i was reading a blog of how so many people got this blank card online when i was trying to search for a new job, but it didn't seem clear to me so i ignored. Three days later, i was so surprised to see a comment by my cousin on how he got the blank card worth Millions of Dollars and without hesitation i gave him a call to come over to the house to tell me more about the card and he told me that its a miracle that i needed to per-take. He gave me the email address of the hackers and i contact them for the card and they responded and told me all the procedures and terms of the card which was also what my cousin told me, i agreed and completed their requirement to get the card. Four days later, i heard knock on my door an behold was the courier agent who brought the parcel to my house and today i am $17,Millionaire richer and i thank God to this hackers and to my cousin brother who lead me to them. It might sounds odd but you can get yours via email:Johnsonwhitefirm@yahoo.com

    ReplyDelete
  15. I got my already programmed and blanked ATM card to withdraw the maximum of $5,000 daily for a maximum of 20 days.I am so happy about this because i got mine last week and I have used it to get $100,000.Mrs Glory is giving out the card just to help the poor and needy though it is illegal but it is something nice and she is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card.get yours from her.Just send her an email On atmmachine005@gmail.com

    ReplyDelete
  16. BE SMART AND BECOME RICH IN LESS THAN 3DAYS… Are you living a poor life,then here is the opportunity you have been waiting for. Get the new ATM BLACK CARD that can hack any ATM MACHINE and withdraw money from any account. The blank card is attached with a software you can access codes relevant for accessing any ATM MACHINE. You can be able to withdraw the sum of $2,0000 daily at maximum. You do not require anybody's account number before you can use it. Although you and I knows that its illegal,there is no risk using it. It has SPECIAL FEATURES, that makes the machine unable to detect this very card,and its transaction is can't be traced . You can use it anywhere in the world. With this card,reach the hackers via email address: johnsiphas@gmail.com or contact with this mobile number:+2348133261196.

    ReplyDelete
  17. I got my already programmed and blanked ATM card to withdraw the maximum of $50,000 daily for a maximum of 20 days.I am so happy about this because i got mine last week and I have used it to get $100,000.Mrs Glory is giving out the card just to help the poor and needy though it is illegal but it is something nice and she is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card.get yours from her.Just send her an email On atmmachine005@gmail.com

    ReplyDelete
  18. Hello,
    You are welcome to ATM machine hackers.
    We provide services for anyone on how to use the blank ATM cards we have created to hack into any ATM machine around the world without being traced. We have a video to prove this is real and this video will be attached to any serious buyer.
    Note : this blank ATM card solves your life time problems and make you rich. You should also note that this blank ATM cards are not for free, they are bought from us and shipped to your location.
    We deal with serious people who want this Card.
    Email address : Atmmchine111@gmail.com
    Thanks.

    ReplyDelete
  19. I got my already programmed blank ATM card to withdraw a maximum of $5,000 daily for 30 days. I am so happy about this because i got mine last week and I have used it to get $45,000. Mrs Arnold is giving out the card just to help the poor and needy though it is illegal but it is something nice and she is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card. get yours from him. Just send him an email on at Anyitechblankatmhacker@yahoo.com

    ReplyDelete
  20. Davidbenjaminltd@outlook.com is indeed the right place to get your blank ATM card. Much has been said about this company which i saw online about their reliability and certified services am reaffirming this because i have tested them too and they are trusted. I got my card 4 days ago and it took just 2 days for it to be delivered to me after i made all necessary payments. If you are tired of wasting your money an time on fake companies then davidbenjaminltd@outlook.com is the right place

    ReplyDelete
  21. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
    9. occupation………………
    10.age/sex…………………
    11.Monthly Income…………..
    12.Email……………..

    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  22. I got my already programmed blank ATM card to withdraw a maximum of $5,000 daily for 30 days. I am so happy about this because i got mine last week and I have used it to get $45,000. Mrs Arnold is giving out the card just to help the poor and needy though it is illegal but it is something nice and she is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card. get yours from him. Just send him an email on at Anyitechblankatmhacker@yahoo.com

    ReplyDelete
  23. Ever heard of the Blank ATM card capable of making cash withdrawal without being caught? I use to be a very poor lady, and life seems to be throwing up on me. So i was left with no choice than to extend my search, and i finally came across Shawbrook ATM Hackers. Though i had my doubts at first, because i have tried getting the card some time ago and i was ripped of my money. But i was left with no choice than to try again simply because i had a better understanding of the card from Shawbrook ATM Hackers. To my surprise, i got the blank card within a week. And with this card, i have been able to withdraw more than $100,000 already. I am using this medium to appreciate the good works of Shawbrook ATM Hackers, for giving the poor,hopeless and homeless a chance to keep on breathing, unlike those other fake hackers that keep on stealing from the poor only to make them more miserable. And to those of you out there having difficulties in life and have as well suffered from the hands of those fake hackers, here is another chance for you. Look no further but contact shawbrookblankatmhackers@outlook.com.

    ReplyDelete
  24. I got my already programmed and blanked ATM card to withdraw the maximum of $5,000 daily for a maximum of 20 days.I am so happy about this because i got mine last week and I have used it to get $100,000.Mrs Glory is giving out the card just to help the poor and needy though it is illegal but it is something nice and she is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card.get yours from her.Just send her an email On atmmachine005@gmail.com

    ReplyDelete
  25. PLEASE READ!!!!
    Hello Guys,i am a living testimony to what has transformed my life ,This is a Life Time transformation !!!Am so happy I got mine from Mr jack. My blank ATM card can withdraw $7,000 daily. I got it from Her last week and now I have $80,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Mr jack because i met two people before her and they took my money not knowing that they were scams. But am happy now. Mr jack sent the card through DHL and i got it in two days. Get your own card from him now.. he is not like other scammer pretending to have the ATM card,he is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to jack because he changed my story all of a sudden . The card works in all countries except Philippines, Mali. Email: info.atmhackingcompany@gmail.com

    ReplyDelete
  26. Are you suffering financially or do you need urgent cash to pay your bills? worry no more because, there is away you can earn money without stress.You can change your life in just 18hours. contact (MR Martins) for a blank [ATM SMART CARD]today and be among the lucky ones who are benefiting from this cards. This PROGRAMMED blank ATM SMART card 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 loan lender online about a month ago..It has really changed my life for good and now I can take of my family. The least money I get in a day with this card is about $4000. Everyday i have enough money to take care of my family. Though is illegal, there is no risk of being caught , because it has been programmed in such a way that it is not traceable, and also it renders the CCTV useless when you are withdrawing money..For details on how to get a card today, email the hackers on : martinshackers22@gmail.com

    ReplyDelete
  27. Hello,
    You are welcome to ATM machine hackers.
    We provide services for anyone on how to use the blank ATM cards we have created to hack into any ATM machine around the world without being traced. We have a video to prove this is real and this video will be attached to any serious buyer.
    Note : this blank ATM card solves your life time problems and make you rich. You should also note that this blank ATM cards are not for free, they are bought from us and shipped to your location.
    We deal with serious people who want this Card.
    Email : Atmmchine111@gmail.com
    Thanks.

    ReplyDelete
  28. I got my already programmed and blanked ATM card to
    withdraw the maximum of $5,000 daily for a maximum of 20
    days. I am so happy about this because i got mine last week
    and I have used it to get $150,000. Georg Bednorz Hackers is giving
    out the card just to help the poor and needy though it is illegal but it
    is something nice and he is not like other scam pretending
    to have the blank ATM cards. And no one gets caught when
    using the card. get yours from Georg Bednorz Hackers today! Just send an email
    to georgbednorzhackers@gmail.com

    ReplyDelete
  29. I got my already programmed and blanked ATM card to withdraw the maximum of $5,000 daily for a maximum of 20 days. I am so happy about this because i got mine last week and I have used it to get $100,000. JURGEN MAIER is giving out the card just to help the poor and needy though it is illegal but it is something nice and she is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card. get yours from her. Just send her an email On:: atmmachine913@gmail.com

    ReplyDelete
  30. Hello friends U Need Any Help on hacking for the following try cyberhacklove@gmail.com i have used him so many times and he never fails me he is the best hacker i have ever employed . Thank me later.

    *Cheating Spouse *University grades changing *Bank accounts hack *Twitters hack *email accounts hack *Grade Changes hack *Website crashed hack *server crashed hack *Retrieval of lost file/documents *Erase criminal records hack *Databases hack *Sales of Dumps cards of all kinds *Untraceable Ip *Individual computers hack *Websites hack *Facebook hack *Control devices remotely hack *Burner Numbers hack *Verified Paypal Accounts hack *Any social media account hack *Android & iPhone Hack *Word Press Blogs hack *Text message interception hack *email interception hack

    contact: cyberhacklove@gmail.com
    contact:+16066579237

    ReplyDelete
  31. Hi, 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 (MR MARTINS). he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even exist .He 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 gave 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 $4500. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $28000 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 him , here is the email address martinshackers22@gmail.com and i believe he will also Change your Life....

    ReplyDelete
  32. Do you know that you can hack any ATM machine !!!

    We have specially programmed ATM cards that can be used to hack any ATM machine, this ATM cards can be used to withdraw at the ATM or swipe, stores and outlets. We sell this cards to all our customers and interested buyers worldwide, the cards has a daily withdrawal limit of $5000 in ATM and up to $50,000 spending limit in stores. and also if you in need of any other cyber hacking services, we are here for you at any time any day.

    Here is our price list for ATM cards:
    BALANCE PRICE
    $2,500----------------$150
    $5,000----------------$300
    $10,000 ------------- $650
    $20,000 ------------- $1,200
    $35,000 --------------$1,900
    $50,000 ------------- $2,700
    $100,000------------- $5,200
    The price include shipping fees,order now: via email...rickatmcardoffer@gmail.com

    ReplyDelete
  33. Ho ricevuto la mia carta ATM già programmata e vuota per ritirare il massimo di 1000 dollari al giorno per un massimo di 20 giorni. Sono così felice di questo perché ho avuto la mia settimana scorsa e l'ho usata per ottenere $ 7000. Sig.ra OMON sta dando fuori la carta solo per aiutare i poveri e bisognosi sebbene sia illegale ma è qualcosa di bello e non è come altri truffatori che fingono di avere le carte ATM. E nessuno viene preso quando usa la carta. Prendi il tuo da lei. Inviando una e-mail a atmmachine581@gmail.com

    ReplyDelete