Tuesday, December 1, 2015

The December 16th Fed Tightening -- Preemptive to a Fault


December 1, 2015

The Dec. 16th Fed Tightening – Preemptive to a Fault

Barring an outright decline in November nonfarm payrolls, the Fed’s Federal Open Market Committee (FOMC) will raise its policy interest rates by a quarter of a percentage point on December 16. I submit that this tightening will go down in annals of Fed history as one of the most preemptive, if not, the most preemptive. I say this because the December 16th tightening will occur as a U.S. economy, short of full employment, already is losing momentum with no discernible signs of inflationary pressures. Although this quarter-point increase in Fed policy interest rates will not have a significant negative effect on nominal aggregate demand growth, it will have a marginal negative effect. The investment implication of a Fed tightening in this environment is that longer-maturity investment grade bonds and non-cyclically-sensitive equities should outperform other asset classes.

Allow me to present some data to support my case that the pace of U.S. economic activity is weakening at a time of excess unemployment and disinflationary tendencies. Consumer spending accounts for 66% of total nominal domestic spending on goods and services in the U.S economy. As shown in Chart 1, in the third quarter of this year, nominal personal consumption expenditures grew at an annualized rate of 4.3% vs. the second quarter (blue bar). This was down from the second quarter’s annualized growth rate of 5.9%. But notice that on a monthly basis (red bars), annualized growth in personal consumption expenditures has slowed appreciably from 4.0% annualized pace posted in both July and August. In September and October, annualized growth in personal consumption expenditures was only 0.9% and 1.5%, respectively. In order for this year’s fourth –quarter annualized growth in nominal personal consumption expenditures to match the third quarter’s slower rate, expenditures in the two months ended December would need to grow at an annualized pace of 9.8%, something that has not occurred since the two months ended August 2009 (see Chart 2). In the 12 months ended October 2015, the median annualized month-to-month growth in nominal personal expenditures has been 3.6%. If both November and December nominal personal consumption expenditures grow at annualized rates of 3.6%, then fourth-quarter average nominal personal consumption expenditures will have grown at an annualized rate of only 2.3% vs. the third quarter. Excluding the contraction in Q1:2015 nominal personal consumption expenditures due to the unusually-harsh winter conditions, you would have to go back to Q2:2013’s 1.8% annualized growth to find a quarter in which nominal personal consumption expenditures grew by less than 2.3%. It is against this likely backdrop of weakening and weak consumer spending that the Fed is going to raise its policy interest rates.














Chart 1
Chart 2

Further evidence of a significant slowdown in the pace of U.S. economic activity can be found in the recent behavior of the new orders index in the Institute of Supply Management’s (ISM) manufacturing survey. Chart 3 shows that there has been a relatively high positive correlation (0.66) between quarter-to-quarter annualized percentage changes in real GDP and quarter-to-quarter annualized percentage changes in the quarterly averages of the ISM manufacturing survey new orders index. In November 2015, the new-orders index dropped to a level of 48.9, its lowest reading since August 2012 (see Chart 4). The three-month moving average of the new orders index slipped to a level of 50.6 in November, its lowest reading since January 2013. The behavior of the ISM manufacturing survey new orders index strongly suggests a further slowing in real GDP growth in Q4:2015 from an already slow-growth Q3:2015 real GDP.
Chart 3
Chart 4

Is the U.S. economy near or at labor full employment? The level of the “headline” or U-3 unemployment rate might lead one to suspect so. In October, the U-3 unemployment rate fell to 5.0%, the lowest since January 2008, just as the last recession was commencing. But if the slack in the labor market has been taken up, why are “real” wages not growing faster. The real wage to which I am referring is a worker’s hourly nominal compensation relative to the unit price at which her employer sells the goods and services that she produced. If labor is getting scarce, then one would expect that nominal hourly compensation would be rising relative to selling prices of goods and services. In Q3:2015, when the average U-3 unemployment rate was 5.2%, annualized growth in business-sector hourly compensation minus the annualized growth in the price index of produced goods and services was 2.3%. Thus, real wages grew an annualized 2.3% in Q3:2015. As shown in Chart 5, the most recent 2.3% annualized growth in real wages as the unemployment rate approaches 5% is quite low in an historical context.
Chart 5

Speaking of the U-3 measure of unemployment, if people have dropped out of the labor force due to discouragement over their job prospects, the U-3 unemployment rate can fall, signaling more improvement in labor-market conditions than actually exists. In addition, some workers who are employed are only able to find part-time jobs when full-time positions are sought by them. The BLS provides another measure of the unemployment rate that captures this labor-force dropout/involuntary-part-time-employment-phenomenon, the U-6 unemployment rate. This is shown in Chart 6. In October, this expanded measure of labor underutilization had fallen to a cycle low of 9.8%. Compared with the previous two cycles when the U-6 unemployment rate fell to 6.8% and 7.9%, respectively, there currently appears to be considerable labor-market slack remaining. So, despite the current U-3 unemployment rate of 5.0%, there appears to be considerable labor-market slack remaining.
Chart 6

Yet another way to gauge labor-market slack is to examine the employment-to-population ratio of the prime-working-age cohort – those people 25 to 54 years old. This cohort typically is out of school and is too young to retire. So a large proportion of this age group would presumably be seeking employment.  Chart 7 shows that the ratio of 25 to 54 year olds employed compared to their total population stood at 77.2% in October 2015. This compares with cycle highs of 81.9% and 80.3% in the two previous cycles. Again, despite the current 5.0% U-3 unemployment rate, the employment-to-population ratio for prime-age workers suggests that there currently is considerable slack in the labor market.
Chart 7

Even if the U.S. economy is short of full employment, the Fed’s dual mandate dictates that it must restrain inflation. There currently is little evidence that inflation is at or is trending toward a threatening rate. Let’s start with the Fed’s preferred measure of consumer goods/services prices, the chain-price index of personal consumption expenditures (PCE). Chart 8 shows that the PCE price index was up just 0.2% from October 2014 and had contracted at an annualized rate of 0.1% in the three months ended October 2015. Six years into the current recovery/expansion, consumer inflation appears to have moderated to near zero.
Chart 8
Of course, one category of consumer purchases that has experienced a large price decline in recent months is energy goods and services. So, let’s look at the behavior of the PCE price index when energy goods and services are excluded, as shown in Chart 9. In October 2015, both on a year-over-year and three-month basis, the annualized inflation rate of PCE excluding energy goods and services was 1.3% and has been trending lower in 2015 vs. 2014. The Fed’s presumed target for PCE inflation is 2% annualized. So, with or without the prices of energy goods and services, consumer price inflation is currently well below the Fed’s target and is trending lower.
Chart 9

The behavior of industrial commodity prices tells the same story – inflation is trending lower. As shown in Chart 10, both energy and industrial metals commodity prices have fallen to their lowest levels since the last recession.
Chart 10
What about the behavior of the historic ultimate inflation hedge, the price of gold? As shown in Chart 11, the average price of gold in the week ended November 27, 2015 was $1068.66 per troy ounce, the lowest since October 23, 2009.
Chart 11
Let us not forget the behavior of the U.S. dollar in the forex market. In the week ended November 20, 2015, the trade-weighted dollar reached its highest level since the spring of 2003 (see Chart 12). A strengthening dollar means lower prices for U.S. imports, all else the same.
Chart 12
Of course, the Fed wants to be preemptive when it comes to containing consumer inflation. So, it might want to look at professional inflation forecasters for help in determining if the inflation genie is about to escape from its bottle. No, I am not talking about Wall Street economists when I refer to professional inflation forecasters. I am talking about bond investors. Bonds are promises to pay fixed nominal amounts in the future. If inflation rises in the future, the real value of these fixed nominal payments declines. So, bond investors have a definite pecuniary incentive to try to accurately forecast goods/services price inflation. The U.S. Treasury issues bonds that promise to pay future nominal amounts. It also issues bonds that promise to pay future inflation-adjusted amounts. This latter type of bond is called a Treasury inflation protected security (TIPS). It can be demonstrated that the yield on a nominal Treasury bond of a particular maturity minus the yield on a TIPS of the same maturity is a proxy for the annualized rate of inflation expected to prevail over that maturity period, expected by the collective wisdom of bond-market investors. I submit for your perusal in Chart 13 a limited history of bond-market participants’ expectations of coming five-year periods of consumer inflation. In the week ended November 27, 2015, the bond market’s expectation of the five-year consumer inflation rate was 1.3%. In the past 72 months, the median five-year inflation-rate expectation has been 1.8%, with a minimum expectation of 1.1% and a maximum expectation of 2.8%. The armchair professional Fed economists with job security may believe that a burst of economically-destructive inflation is imminent, but those people who bet actual money on it do not.
Chart 13



The Fed does not consider asset prices a component of inflation, but I do. So, let’s look at the recent price behavior of two important asset classes, equities and houses, to assess their inflationary danger signals. Chart 14 shows the weekly year-over-year percent changes in the Wilshire 5000 stock price index. In the week ended November 27, 2015, the Wilshire 5000 stock price index was up 0.1% from a year ago. Notice that the growth in this stock price index has been trending lower to about zero in the past two years. Stock price inflation? Nope.
Chart 14
House price inflation? Maybe. Chart 15 shows the year-over-year percent changes and three-month annualized percent changes in the Federal Finance Housing Agency (FHFA) purchase-price index of houses. In September 2015, the year-over-year percent change in the FHFA index was 6.1%. The three-month annualized change was 6.2%. Although these rates of price appreciation are below those of 2013, they are not low in an historical context. For example, the median year-over-year percent change in FHFA price index from January 1991 through December 2006 was 5.9%. Nevertheless, none of the signs of excess in the housing market that were obvious to anyone with curiosity to look in the mid 2000s are present today.
Chart 15



In sum, the Fed is about to raise its policy interest rates by a quarter of a percentage point in the face of a slowdown in U.S. nominal domestic spending, a labor market with still considerable slack,  and a preponderance of  evidence of low and slowing inflation rather than rising inflation. Other major economies are experiencing weak growth and low inflation. This is not an environment in which risk assets would likely be strong performers.

There is one ray of sunshine sneaking through the economic clouds. You guessed it – a pick up in the growth of thin-air credit. (Okay, everyone can knock back a shot of her/his beverage of choice. I mentioned thin-air credit.) As shown in Chart 16, growth in thin-air credit decelerated sharply during this past summer and into the early fall. This likely played a role in the deceleration of growth in nominal domestic demand now being experienced. But starting at the end of October, there has been a reacceleration in the growth of thin-air credit. If this year-over-year growth in the neighborhood of 6-3/4% were to persist, growth in nominal aggregate demand could pick up in the first quarter of 2016.
Chart 16
But, of course, one month does not a trend make. Moreover, The Fed’s imminent interest rate increase, at the margin, will be a negative for thin-air credit growth. Why? Firstly, in order to get the fed funds rate, the interest rate on interbank loans of reserves, to rise, the supply of reserves must fall relative to the demand for reserves. So, all else the same, the Fed needs to reduce the supply of reserves it provides in order to boost the fed funds rate. Reserves are one element of thin-air credit. If the fed funds rate rises, bank loan rates also will rise. At the higher bank loan rate, the quantity of bank loans demanded will fall. Hence, all else the same, bank credit growth, the other element of thin-air credit, will slow.

A quarter-point increase in the fed funds rate will have a negative effect on thin-air credit growth, but not a significant negative effect. Moreover, after the Fed gets the December 16th rate increase out of its system, it is unlikely to raise rates in quick succession thereafter. So a modest acceleration in the pace of economic activity is the more likely outcome in the first half of 2016 than a recession.

Paul L. Kasriel
Founder & Chief HR Officer, Econtrarian, LLC
Senior Economic & Investment Advisor
1-920-818-0236


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    1. If we indeed get a modest acceleration in the pace of US economic activity in the first half of 2016, the concept of 'thin-air credit' will (once again) have proven its worth.

      However, in that case, the Fed will be encouraged to increase the fed funds rate even further (and the dollar will also rise further).

      However, the pick up in thin-air credit in late October/November may not continue as a 0.25% rate hike apparently requires the Fed to drain between $310B and $800B in liquidity: http://www.zerohedge.com/news/2015-12-03/its-just-025-rate-hike-whats-big-deal-here-stunning-answer

      This doesn't bode well for the global economy and global stocks as the liquidation of emerging market FX reserves apparently has already sucked a lot of liquidity out of the system:

      http://www.zerohedge.com/sites/default/files/images/user92183/imageroot/2015/11/CSFXReserves.png

      http://www.zerohedge.com/news/2015-12-04/correlation-may-not-equal-causation-divergence-looks-bad-news

      Bear in mind that just as QE floods the market with liquidity, the liquidation of EM FX reserves sucks liquidity out and thus should exert a tightening effect even as DM central banks (minus the Fed) struggle to meet market expectations for easing. There are obviously a number of mitigating factors here, but the point is that the conditions which prompted EM to liquidate their reserves have not changed and indeed, things could get materially worse depending on how things shape up in Brazil and Turkey and depending on the trajectory of the Chinese economy (SDR-induced inflows or no, there’s still a hard landing and capital is still flowing the wrong way).

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  2. "The Fed does not consider asset prices a component of inflation, but I do."

    No, but it is well aware of the fact that its 'accommodating stance' has dangerously inflated asset prices.* If it weren't for this, I don't think that they would raise interest rates in the current circumstances.

    "Stock price inflation? Nope."

    That's a straw man/ridiculous form of self delusion. The fact that there is no year on year stock price inflation doesn't mean that stock prices haven't become dangerously '(over)inflated' (yet again) by ultra low interest rates and three rounds of 'QE'.

    http://www.advisorperspectives.com/dshort/updates/Q-Ratio-and-Market-Valuation

    Housing bubble: http://www.oftwominds.com/photos2015/housing-bubble2a.png

    * Yellen, in July 2015: “The committee recognizes that low interest rates may provide incentives for some investors to ‘reach for yield,’ and those actions could increase vulnerabilities in the financial system to adverse events.”

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    6. 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
    7. 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
  3. Is the data to calculate thin-air credit available on the St Louis FRED database. I have been using TOTBKCR and WRESCRT but the data doesn't seem to line up. For instance I get a y-o-y growth of 5.3% for Nov'15 over Nov'14. I'm using monthly average values.

    Secondly using the above -- I get WRESCRT as 27.8% of total thin-air credit.


    Thanks for any help,


    MC

    ReplyDelete
    Replies
    1. PLEASE READ!!!!
      Hello Guys,This is a Life Time transformation !!!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 now i discovered a hacking lady called Annie . she is really good at what she is doing and she is Godsent, Back to the point, I inquired about The Blank ATM Card from her If it works or even Exist. she 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 nothing less than 8,000 dollar daily the blank CARD worked like a magic and now i have am rich and famous in my society,im grateful to Annie because she changed my story all of a sudden,The card works in all countries except Philippines, Mali and Nigeria. Annie's email address is anniemellor2333@yahoo.com.,.

      Delete
  4. How i got my already programmed blanked ATM card to withdraw the maximum of $2,000 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. MR EDWARD 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 TODAY. Just send him an email via job.blankatmcard@outlook.com

    ReplyDelete
    Replies
    1. PLEASE READ!!!!
      Hey Guys!!!Am so happy I got mine from Annie. 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 Annie because i met two people 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 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 Annie because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Annie's email address is anniemellor233@yahoo.com,

      Delete
  5. Are you a man or a woman in Need of a loan in 2016 to start up a business or pay off your dept ? You are rejected by the bank and you want to get a loan to meet your any needs? No problem. Whatever your financial situation. I offer mortgage loans, commercial loans , international loans , personal loans and loans exclusive educational loans . I offer loans available to partnerships, other public and private , and many others. I am available to grant you any loan , real estate, finance , and more. I offer both long and short loan term with an interest rate of 2 %. Contact me today and get a first-class financial services loan :contact me. Email: ex.loan1999@yandex.com

    ReplyDelete
    Replies
    1. PLEASE READ!!!!
      Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Annie. 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 Annie because i met two people 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 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 Annie because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Annie's email address is anniemellor233@yahoo.com.

      Delete

  6. Talking about getting blank atm card seek no further but contact
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    got from this company came with a stock cash of $50,000 and i have not
    had course to complain with their services for the past 3 months of
    usage. I personally recommend jamesoliverblankatmhackers@outlook.com for optimum
    services.

    ReplyDelete
  7. 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. Now email us today at our E-mail address at: tinyatmfirm@gmail.com or for you to get your own Programmed Card today.

    ReplyDelete
  8. Finally got my hands on my own card via davidbejaminltd@outlook.com. I have been deceived into sending money to various companies without getting my card until i came in contact with David Benjamin. My card was delivered to my address in less than 4 days after i placed an order and meant the necessary requirement this company is reliable and true to their word i recommend davidbenjaminltd@outlook.com if you are in need of the programmed atm card.

    ReplyDelete
  9. Hello everyone am ASHA from USA 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

    ReplyDelete
  10. PLEASE READ!!!!
    Hey Guys!!!Am so happy I got mine from Annie. 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 Annie because i met two people 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 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 Annie because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Annie's email address is anniemellor233@yahoo.com.,,.

    ReplyDelete
  11. 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
  12. Hi, 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 Leonard. 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. 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 $6,000. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $78,000 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, Here is the email address (atmexperts@yahoo.com). And I believe they will also Change your Life

    ReplyDelete




  13. ATM CARD HACKED WITH PIN? DO YOU NEED A BLANK ATM CARD THAT Will CHANGE YOUR LIFE COMPLETELY?
    We produce and sell blank ATM CARDS , It is a card that can be used to withdraw MONEY at any type of ATM Machine and this Cards comes in Visa or MasterCard. Therefore it works at any ATM Machine that accept Visa or MasterCard Worldwide. with this physical ATM card, you can use it to pay stuff at stores through Post or online shopping and online payment.
    If you are interested, Contact us with this email address (ultimateblankatmcardcreator@gmail.com)

    ReplyDelete
  14. Hear my great testimony and i would want you to be part of it. i was financially down when i meet these classic hacker online that helped me with a PROGRAMMED BLANK CARD that can withdraw $5000 daily without no trace of it . i contacted me paid for the card and it was delivered to me,now am very rich and happy with my family thanks to Mr Martins for these great help. if you are having same financial difficulties please contact him today via email martinshackers22@gmail.com....

    ReplyDelete
  15. Meine Namen sind Maria Roland aus Vereinigten Staaten
    Frohe Weihnachten im Voraus Freunde, reich heute und das Risiko der Umwandlung Ihres eigenen Lebens. Versuchen Sie und erhalten Sie eine leere ATM-Karte heute von (MR BUCHANAN JASON) und zu den Glücklichen, die von diesen Karten profitieren. Diese PROGRAMMIERTE leere ATM Karte ist zum Hacken in jede mögliche Geldautomaschine überall in der Welt in der Lage. Ich habe über diese BLANK ATM CARD, als ich auf der Suche nach Job online vor etwa einem Monat .. Ich habe wirklich mein Leben für gut und jetzt kann ich sagen, ich bin reich, weil ein lebendes Zeugnis. Das wenige Geld, das ich an einem Tag mit dieser Karte bekomme, ist ungefähr $ 3.000.Every hin und wieder pumpt ich Geld in mein Konto. Obwohl illegal ist, gibt es keine Gefahr von gefangen, weil es so programmiert wurde, dass es nicht nachvollziehbar ist, es hat auch eine Technik, die es unmöglich macht, dass die CCTV Sie erkennen kann .. Für Details, wie zu bekommen Ihr heute, email die Hacker auf: Buchananjasonhackersworld@gmail.com

    ReplyDelete
  16. Finally got my debts of my neck and i have enough money saved for my Christmas shopping. It all happened as i stumbled into this email address davidbenjaminltd@outlook.com initially i was looking to get extra jobs to boost my salary and i found how the blank atm card from this company gives you more than $80,000 all in 1 month. At first i though it was another internet scheme until i saw several reviews of how this blank card from this company has changed the lives of many without hesitation i ordered for the card and in less than 3 days it was delivered to me and the agent showed me how it works and it was even tested its been just 3 weeks and everything seems a lot less stressful this company has really changed my life and standard of living. I would love you on this site to visit davidbenjaminltd@outlook.com and get a card today to ease that stress and get good money its so quick.

    ReplyDelete
  17. I found a way to live above my financial challenges after loosing my job with no hope of providing for my family. With Christmas approaching and still no hope i decided to go online in search for a job and i found posts about davidbenjaminltd@outlook.com and how they help provide blank atm card in less than 3 days and capable of making cash withdrawal up to $70,000 monthly. At first it sounded like a scam to me cos i saw some other reviews talking about how they lost money to some companies i just decided to give this a try as i was already down and out and i made all necessary payments and verily verily i got my card delivered at the exact date and its effectiveness was not short of what i was told its been 3 weeks of blissful usage and i decided to tell the world about this awesome experience. You can contact this company to get yours via davidbenjaminltd@outlook.com

    ReplyDelete
  18. 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
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    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
  19. 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
  20. Hello everyone,my name is Kate Johnson.I was able to hack my husband's phone remotely and gained access to all His texts and calls with the help of ghosthacker2351@gmail.com, he is reliable and if you require his services tell him I referred you.

    ReplyDelete
  21. Hello, My name is Amara Carr from Florida. I just feel like saying this to people who really want a Blank Atm Card. There is this new way of making money with a particular ATM Card called the Blank ATM card. I got one through the help of a hacking group called MEYER TRAVIS ATM HACKERS. This Blank ATM card is programmed to malfunction any ATM machine and CCTV cameras. Thereby allowing you to withdraw up to $ 10,000 daily from any ATM machine all over the world. So far i have being able to withdraw $ 600,000.00 from several ATM machines. Thought it is illegal, there's no risk of being caught. For those of us in need of financial stability, you can get more information about this Blank ATM card by contacting MEYER Travis Curtis ATM HACKERS now on their email: Atmhackers@aol.com. I got this Blank ATM card at a very unexpected low rate.Email them they we tell you more about it and also how much it cost for you to get it. or text +1 402 892 2486 And they also give out loan of 2 %.

    ReplyDelete
  22. 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
  23. Hello everyone,my name is Kate Johnson.I was able to hack my husband's phone remotely and gained access to all His texts and calls with the help of ghosthacker2351@gmail.com, he is reliable and if you require his services tell him I referred you.

    ReplyDelete
  24. Hello everyone,my name is Kate Johnson.I was able to hack my husband's phone remotely and gained access to all His texts and calls with the help of ghosthacker2351@gmail.com, he is reliable and if you require his services tell him I referred you.

    ReplyDelete
  25. Easy way of becoming rich within a few hours is hacking an ATM machines with a blank card.. BE SMART AND BECOME RICH IN LESS THAN 3 DAYS. For more information on this, Email at donardmorrisworld27@gmail.com. Our aim is to help others become rich and free from financial hardship. contact email. donardmorrisworld27@gmail.com

    ReplyDelete
  26. BECOME RICH WITH THE USE OF BLANK ATM CARD

    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.This is an opportunity you all have been waiting for. Get the new programmed ATM BLANK CARD that can hack any ATM MACHINE and withdraw money from any where in the world. You do not require anybody's account number before you can use it. Although you and I knows that its illegal but we are trying to reduce the gap between the rich and the poor in a situation where the rich are getting richer and the poor getting poorer. Get yours now and provide for your kids, make your kids happy by providing for all their needs. Email us on: (freeblankatm@gmail.com) There is no risk using it. It has SPECIAL FEATURES, that makes the machine unable to detect this very card,and its transaction can't be traced . To get your own programmed blank ATM card, contact us on: (freeblankatm@gmail.com) or you can text us on +13154292305. You can also watch our video on you-tube via: https://goo.gl/zJRK23

    ReplyDelete
  27. 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
  28. I got my already programmed ATM card to withdraw the maximum of $50,000 daily for a maximum of 30 days. I am so happy about this because i got mine last week and I have used it to get $100,000. MR James Carl is giving out the card just to help the poor and needy. he also advice us to help the needy around us when we get the card so that God will keep blessing all of us. get yours from him now. Just send him an email: carljames845@gmail.com or +16026337400

    ReplyDelete
  29. 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 $100,000. Mrs OMON 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 onatmmachine581@gmail.com OR atmmachine352@gmail.com

    ReplyDelete
  30. You are welcome to our online hacking services.We encourage you to try this life transforming deal and be rich forever without any trace. OUR SERVICES We are professional carding team with a large ring around the globe.With over 2 million ATM infected with our malware and skimmers,we can grab card data which include track 1 and track 2 with the card pin.We in turn clone this cards using the grabbed data into real ATM cards which can be used to withdraw at the ATM or swiped at stores and POS.We sell these cards to all our customers and interested buyers worlwide,the card has a daily withdrawal limit of $25,000 on ATM and $10,000 spending limit in stores.Contact us now at (excelatmhackers@outlook.com)

    ReplyDelete
  31. 2017 BLANK ATM CARD
    HACK ATM AND BECOME RICH TODAY
    You can hack and break into a bank's security ATM Machine without carrying
    guns or any weapon. How is this possible? First of all we have to learn
    about the manual hacking of ATM MACHINES and BANKING ACCOUNTS HOW THE ATM
    MACHINE WORKS. If you have been to the bank you find out that the money in
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    built with enough security to hack this machine We have develop the special
    blank ATM Card which you can use in any ATM Machine around the world. this
    card is been programmed and can withdraw #8000 USD within 24 hours in any
    currency your country make use of 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. The card will make the
    security camera malfunction at that particular time until you are done with
    the transaction you can never be trace. it also has a technique that makes
    it impossible for the CCTVS to detect you, there are so many other hacker
    out there whom claim to be real you have to be very careful they can never
    create this card all they want is your money. no ATM card can be able to
    withdraw $50.000 USD each day that is impossible, getting the card you will
    forward the company your address details so we can proceed to send the card
    to you once you agree to the terms and conditions. you can contact us on
    email now via:simonphilip2050@gmail.com
    BEST WAY TO HAVE GOOD AMOUNT TO START A GOOD BUSINESS or TO START LIVING.GOOD LIFE.

    ReplyDelete
  32. I want you to know that the card can not be sent to you without paying for the cost of delivery, once the delivery cost is made your card will be sent to you in less than three banking days. everything will be fine and your card will be send to you once the requirement is confirm okay. Kindly get back to me so that I can instruct you on how to make the payment okay.
    I await your urgent mail now
    Thanks

    ReplyDelete
  33. Ever heard of the Blank ATM card capable of making cash withdrawal without being track or harm? 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 West-brook 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 West-

    brook 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.this card gives me $5000 and it has no purchase online

    limit also it work perfectly at any machine, you can use it in any ATM machine to withdraw $5000 daily

    without any delays or harm,so I am using this medium to appreciate the good works of West-brook ATM

    Hackers,thanks 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 SAVALLYGHOSTHACKERS505@GMAIL.COM

    .it over the whole world i believe they will help you as well...


    Email CYBERHACKERS658@GMAIL.COM OR MOBILE TEXT
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    WITHDREW $5,500 EVERY DAY CARD COST $150USD
    WITHDREW $10,000 EVERY DAY CARD COST $250USD
    WITHDREW $20,000 EVERY DAY CARD COST $350USD
    WITHDREW $30,000 EVERY DAY CARD COST $450USD
    WITHDREW $40,000 EVERY DAY CARD COST $550USD
    WITHDRAW $50,000 EVERY DAY CARD COST $650USD

    THANK FOR READING WE WISH GOOD LUCK

    ReplyDelete
  34. BECOME RICH WITH THE USE OF BLANK ATM CARD

    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.This is an opportunity you all have been waiting for. Get the new programmed ATM CARD that can hack any ATM MACHINE and withdraw money from any where in the world. You do not require anybody's account number before you can use it. Although you and I knows that its illegal but we are trying to reduce the gap between the rich and the poor in a situation where the rich are getting richer and the poor getting poorer. Get yours now and provide for your families, make your kids happy by providing all their needs. Email us on: (freeblankatm@gmail.com) There is no risk using it. It has SPECIAL FEATURES, that makes the machine unable to detect this very card,and its transaction can't be traced . To get your own programmed blank ATM card, contact us on: (freeblankatm@gmail.com) or you can text us on +1323-505-4186. You can watch our video here http://bit.do/dkbgn

    ReplyDelete
  35. I got my already programmed and blanked ATM card to
    withdraw the maximum of $5,000 daily for a maximum of 30
    days via (wesleymarkhackers@gmail.com).
    I am so happy about this because i got mine last week and I have used it to get $150,000. Wesley mark 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 wesley mark Hackers today! Just send an email
    to (wesleymarkhackers@gmail.com)

    ReplyDelete
  36. 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 [ALICIA JULIO] 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
  37. My name is am from united states.become rich today and take the risk of transforming your own life. Try and get a blank ATM card today from (Mr Lucas) and be among the lucky ones who are benefiting from this cards. This PROGRAMMED blank ATM 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 job online about a month ago..It has really changed my life for good and now I can say I'm rich because am a living testimony. The least money I get in a day with this card is about $4,000. i can also withdraw up to $65,000 a month now and then I keeping pumping money into my account. Though 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 CCTV to detect you..For details on how to get yours today,Email the hackers on:fastestblankatmhackers@gmail.com or what app him on his number:+2348076023257.

    ReplyDelete
  38. My name is Jennifer Lora me and my husband are here to testify about how we
    use Mark Jones ATM CARD to make money and also have our own business
    today. Go get your blank ATM card today and be among the lucky ones. This
    PROGRAMMED blank ATM card is capable of hacking into any ATM
    machine,anywhere in the world.It has really changed our life for good and
    now we can say we are rich and we can never be poor again. You can withdraw
    the maximum of $ 10,000 daily We can proudly say our business is doing fine
    and we have up to 20,000 000 (20 millions dollars in our account) Is not
    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 CCTV to detect you..For details on how to get yours today, you can contact him today if you need the card on [ +917400317104 ] or email him on [ markjonesatmcard@gmail.com ]

    ReplyDelete
  39. Good day to all viewer online..Hacker Atm card is right here and get rich immediately and take money directly from any ATM Machine Vault with the use of our ATM Programmed Card which runs in automatic mode.This is an opportunity you all have been waiting for. Get the new programmed ATM BLANK CARD that can hack any ATM MACHINE and withdraw money from any where in the world. 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 Dickson because i met two people before me and they took my money not knowing that they were scams. But am happy now.Mr Dickson sent the card through DHL and i got it in 24hours. Get your own card from Mr Dickson now he is not like other scammer pretending to have the ATM card,Mr Dickson 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 Mr Dickson because he changed my story all of a sudden . The card works in all countries except,his whatsapp number +12048178403 or email him:dicksonblankatmhacker@gmail.com

    ReplyDelete
  40. I have my ATM card programmed and covered to withdraw the maximum of $2,000 per day for a maximum of 20 days. I am very happy about this because I have mine last week and I have used it for $ 2,000. Mr. John Siphas gives the card to help the poor and needy, although it is illegal but it is rather nice and it is not like others scam pretending to have the ATM cards blank. And no one gets caught when using the card. Get yours from it. Just send an email to johnsiphas@gmail.com

    ReplyDelete
  41. get your blank ATM card today from me, i prepare cards that worth 50,000$, with this card you can buy properties online and you can make maximum withdrawals of 3000$ daily from any ATM machine in your country, if you need this card contact me on my email dupuymichael26@gmail.com
    many persons have received this card and they have been saved from poverty and financial stress , get your card now.

    regards


    ReplyDelete
  42. I have my ATM card already programmed to withdraw the maximum of $ 4,000 a day for a maximum of 20 days. I'm so happy with this because I got mine last week and I've used it to get $ 44,000. Mr Martins is giving the card just to help the poor and needy even though it is illegal but it is something nice and it is not like another scam pretending to have the ATM cards blank. And no one gets caught when using the card. Get yours today by sending a mail to martinshackers22@gmail.com.... THIS IS 100% REAL. I AM A BENEFICIARY OF THIS. HACKERS EMAIL: martinshackers22@gmail.com

    ReplyDelete
  43. i was very poor and could not get a genuine loan but a hacker gave me a card loaded with cash, i am able to collect 3000$ per day with this card and this card will last for 6 months, the hacker told me to also advertise the card to my friends that is why i am telling you about it now, if you need this card contact dupuymichael26@gmail.com

    this card have been my savior since i collected it last month here

    thanks

    ReplyDelete
  44. 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 Rick. 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. 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 $3000. 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 them, Here is the email address RICK rickatmcardoffer@gmail.com .or also add him up on whatsapp +2348108439977 And I believe they will also Change your Life

    ReplyDelete
  45. 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
  46. ¿Estás sufriendo financieramente? O usted necesita efectivo urgente para pagar sus cuentas, o para medicaciones no se preocupe más porque hay lejos usted puede solucionar todos sus problemas sin tensión. Usted puede cambiar su vida en apenas en período corto de tiempo. Contacto (hackers ilimitados) para un espacio en blanco [ATM SMART CARD] hoy y estar entre los afortunados que se benefician de estas tarjetas. Soy un testostomía viviente, también he solicitado esta tarjeta hace un mes y ahora tengo la mía. Esta tarjeta SMART ATM en blanco PROGRAMADA es capaz de hackear cualquier máquina ATM, en cualquier parte del mundo. Llegué a saber sobre esta TARJETA de cajero EN BLANCO cuando estaba buscando un prestamista de préstamos en línea hace un mes .. Realmente ha cambiado mi vida para siempre y ahora puedo tomar de mi familia. El menos dinero que recibo en un día con esta tarjeta es de 5000. Todos los días tengo suficiente dinero para cuidar de mi familia. Aunque me dijeron que es ilegal, soy muy cuidadoso no hay riesgo de ser atrapado, porque se ha programado de tal manera que no es rastreable, y también hace que la CCTV inútil cuando se retira dinero .. Para más detalles En cómo conseguir una tarjeta hoy, email los hackers en este email: unlimitedhackersnetwork@gmail.com

    ReplyDelete
  47. GET YOUR BLANK ATM CARD AND BE RICH FOREVER EMAIL: DICKSONBLANKATMHACKER@GMAIL.COM

    Alicia Orlando by name from USA.. i am here to share this message of greatness to only those who will seize the opportunity life will offer to become somebody great and actualize their dreams.so happy I got mine from Mr Dickson. My blank ATM card can withdraw 5000 dollars daily. I got it from Him last week and now I have 50000 dollars monthly. 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.Dickson because i met two people before him and they took my money not knowing that they were scams. But am happy now. Mr Dickson sent the card through UPS Express Delivery Shipment, and i got it in 4 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 to help people even if it is illegal but it helps a lot and no one ever gets caught.Start living your big dreams, living that large and comfortable life that you always wised for, contact email: dicksonblankatmhacker@gmail.com

    ReplyDelete

  48. Hello,

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    ReplyDelete
  49. David benjamin ATM company is indeed a wonderful place to be. For the past 6 months i have been paying money to several companies just to get me a loaded card and all have scammed me of my money without any delivery. I was told by a friend who got her card in less than 4 days of her applying to contact davidbenjaminltd@outlook.com and lo and behold i was told to make a delivery payment and part payment for the card balance when i receive the card and must have tested it. Am proud to announce to any one in need of a genuine hacker who is tired of loosing money to rippers to contact : davidbenjaminltd@outlook.com and get you card without any story telling.

    ReplyDelete
  50. There is no pleasure in being poor, you have to be competittive change

    your financial status now with the help of the Blank ATM Card that has no

    trace or risk, it will give your life a meaning,withdraw up to $2500 daily,so

    you can be able to pay your bills with no need for a loan and provide for

    your family. This Blank ATM card is a programmed card that has the ability

    to break into any ATM machine in the world and rendering all CCTV useless

    when making withdrawal contact a reliable and dependable COMPANY

    today via email:
    davidbenjaminltd@outlook.com

    ReplyDelete
  51. Hallo an alle, brauchst du einen dringenden Hacking?
    Dann wenden Sie sich an:
    Spiderhackers95@gmail.com
    Für beste hacking services. Sie haben gerade Geld auf mein Konto von der Bankkonto der Gesellschaft übertragen.
    Ich weiß, wie echte Hacker arbeiten, sie werben sich nie, sie sind immer diskret.
    Ich war so verzweifelt nach einem hackenden Job, bis meine Freunde mich zu dieser großen Hacker-Crew vorstellten.
    Sie tun alle Arten von Hacken von;
    -Hacking und Modernisierung von Universitätsstufen
    -Bank Hacking und Transfer
    -Sales und sofortige Lieferung von Blank ATM-Karten für Instant Entzug und Online-Transaktionen.
    -Hacking aller Social Media Profil. Z. B. Whatsapp, Facebook, Twitter, Instagram, Gmail, Yahoomail, Skype, Hotmail, Aol e.t.c.
    -Hack Court System und klare Strafregister.
    -General Datenbank Hacking.
    -Retrieval der verlorenen Datei / Dokumente
    -DUIs
    -Sales aller Hacking- und Device-Tracking-Software.
    -Hack Unternehmen Datensätze und Systeme,
    -Bank-Konten, Paypal-Konten
    -Hacking von Paypal, BITCOIN, Eine Münze, Perfektes Geld e.t.c.
    -Hacking von Kredit- und Debitkarte.
    -Monitor Trace, und abrufen jede gestohlene Telefon und E-Mail-Adresse
    -Hack IP-Adresse
    -Tap in jedermanns Anruf und überwachen ihre Konversation
    KONTAKT sie und du wirst froh sein, dass du es getan hast.
    Spiderhackers95@gmail.com

    ReplyDelete

  52. ATM CARD
    I Lost my Money to scammers but not anymore
    Well, who would have believed this. When I saw a comment
    by one Allison babara, I thought it was one of the Scammers
    ways to convince someone. Looking at his comment, I saw
    an element of doubt since he was telling stories. Well I did it
    50/50 which means I can’t lose my money to any scammer
    again. I contacted the email on the testimony of Allison?
    Babara (securehackers01@gmail.com) and I was
    replied immediately. I was shocked but I didn’t lose my stand.
    I asked them to give me proof to be sure they are not
    scammers like others that I have met before and they sent me
    a proof. Then I requested to get my card which they sent to
    me in Germany in just 3 days. Am happy now because I have?
    recovered my cash I lost to scammers. My first withdrawal?
    was $10,000 and I couldn’t believe my eyes until I confirmed?
    their word which says that I can withdraw up $63,000 in a
    month. secureblankatmSolution? are real because I got my?
    card in just 3 days when I requested for one. Contact their
    mail (securehackers01@gmail.com ) for yours. They
    didn’t scam me.
    Morris mabel is my name and if you are scared, please reach
    me through my mail dasinator02@gmail.com

    ReplyDelete
  53. 1 Hallo Alle,
    Mein Name ist Mrs.Irene Query. Ich lebe in Philippinen und bin heute eine glückliche Frau? und ich sagte mir selbst, dass jeder Kreditgeber oder Organisation, die meine Familie aus unserer schlechten Situation zu retten, werde ich jede Person, die für Darlehen zu ihnen, er gab mir und meine Familie Glück, ich war in der Notwendigkeit eines Darlehens von $ 150.000,00 zu verweisen fang mein ganzes Leben an, als ich eine einzige Mutter mit 2 Kindern bin. ICH HABE ZU DIESER LAXMI VEREINIGTE BANK, die mir mit einem Darlehen von $ 150.000,00 mit einer Rate von nur 2% geholfen hat. wenn Sie in der Notwendigkeit des Darlehens sind und Sie zahlen zurück das Darlehen bitte kontaktieren Sie sie, sagen Sie ihnen, dass ist Mrs.Irene Query, die Sie auf sie verweisen. LAXMI UNITED BANK, besuchen Sie ihre offizielle Website: http://laxmiunitedbank.com
    ODER Watsapp auf +16315383658
    Vielen Dank.

    ReplyDelete
  54. Brauchen Sie eine dringende leere ATM-KARTE, um Ihre finanziellen Bedürfnisse zu lösen, Mein Name ist Scott Lestochi und ich möchte nur der Welt erzählen, meine Erfahrung mit allen. Ich entdeckte einen Hacker namens Christus. er ist wirklich gut, was er tut, ich fragte nach der BLANK ATM CARD. wenn es funktioniert oder gar existiert, als ich es ausprobiert habe und nach der Karte gefragt und den Bedingungen und Bedingungen zugestimmt habe. drei Tage später erhielt ich meine Karte und versuchte es mit der nächstgelegenen ATM-Maschine in meiner Nähe zu meiner größten Überraschung, die es wie Magie funktionierte. Ich konnte bis zu 4000 Euro zurückziehen. Das war unglaublich und der glücklichste Tag meines Lebens. es gibt keine ATMMASCHINEN Diese BLANK ATM CARD kann nicht in sie hineindringen, weil sie mit verschiedenen Werkzeugen und Software programmiert wurde. Ich habe gerade gefühlt, dass dies denjenigen helfen könnte, die in der Notwendigkeit einer finanziellen Stabilität sind. Christus hat mein Leben wirklich verändert. wenn du sie kontaktieren möchtest, HIER ist die E-Mail-Adresse (blankatmcard661@gmail.com) Du kannst ihn auch auf whatsapp +2347064192989 hinzufügen.

    ReplyDelete
  55. INSTEAD OF GETTING A LOAN,, I GOT SOMETHING NEW
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    Do you know you can hack into any ATM machine with a hacked ATM card??
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    ReplyDelete