A slide deck on the Bubble and Crisis

Here is a slide deck introducing my work on the housing bubble and the financial crisis.

(Here is a policy paper that also introduces the basic premise of the work.)

It includes several pages outlining the basic facts that this new understanding is based on.

The last few slides cover more technical issues about prices, rents, and how this new understanding can be used to reconsider the quantitative factors that are currently affecting the housing market.

Slide Deck Link

196 comments:

  1. I can't get this document through the firewall at work. Any chance I can a) get a copy and b) is there a video of you presenting it? Not all is clear.

    ReplyDelete
    Replies
    1. Here is a youtube video of a similar set of slides with a voice over.
      https://youtu.be/0vviVDWjzmA
      E-mail me using the link in the right hand margin and I can send you the pdf file of this slide deck.

      Delete
    2. This comment has been removed by a blog administrator.

      Delete
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  31. Am very glad to share this testimony with everyone for the marvelous work Dr LOSA has done for my life, 6 months ago i was diagnosed with Hepatitis B and ever since then i have been very unhappy, i was so down broken everyday, until one day when i came across a shocking testimony about how Dr LOSA cured someone of his herpes virus, without wasting much time i contacted him immediately on his email address: dr.losaherbalhome@gmail.com and after i explain myself to him about how terrible i have been, and he assure me that he will help me to cure my Hepatitis B ,after he has prepared the herbal medicine he sent it to me and when i have received it and started using it i was totally cure within 2 weeks, i am forever grateful to Dr LOSA for helping me out with his herpes prescription that cured my virus. contact his email address: dr.losaherbalhome@gmail.com or you can call or whatsApp his Mobile number:+23489056464736.
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  33. i was diagnosed 2011. i was diagnosed with the bulbar form of ALS and was given one year to live. My symptoms progressed quickly. Soon i was having difficulty breathing, swallowing and even walking short distances. With the help of Rich Herbal Garden natural herbs I have been able to reverse my symptoms using diet, herbs, which i feel has made the most difference. The ALS natural formula immensely helped my condition, it reversed my ALS. my slurred speech. And then the inability to eat without getting choked, breathing, and coughing. gradually disappeared. Visit RICH HERBAL GARDENS via their official web-site www. Richherbalgardens. com. I’m now playing golf again. and i turned 69 today. i am glad to get my life back DON’T GIVE UP HOPE!!!

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  34. Am here to appreciate Dr Oliha for using his herbal medicine to cure my Herpes virus. since 4years now I have been living with this virus and it has been giving me challenges, I was so perplexed cause i have been taking several drugs to be cured but all of my effort was in vain,one morning i was browsing through the internet then i saw several testimonies about Dr. Oliha curing people from Herpes virus and immediately i contacted Dr. Oliha on his email: oliha.miraclemedicine@gmail.com   , i told him about my troubles and he told me that i must be cured, gave me some instructions and which i rightly followed. so he prepared a herbal medicine for me and sent it to me which i used for 2 weeks and everything was like a dream to me and my Herpes virus was totally gone, why don't you contact him today and be free from your diseases because he is very good and honest Doctor. contact him via email; oliha.miraclemedicine@gmail.com   or whatsApp him on +2349038382931

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  36. Very interesting read. I've suffered with herpes ever since I was a child but it's only been the last few years I discovered that  I have genital herpes. So I started looking for a way to get cure permanently from this deadly virus I visited so many hospitals in search for a solution but it never worked out.so I started searching for cure to my herpes virus.Few month ago I came across a site where a lady was sharing a testimony about Dr OHIKHOBO about how he cured herpes and all kinds of diseases with is natural herbs so I decided to give it a try so I email the Dr he told me how I was going to get the herbs so I did as he instructed few days later I received the  herbs and I started taking the herbs as instructed by the Dr.I was shocked two weeks after when my doctor told me that I was free from herpes so I decided to let the world know how I was cured from herpes by Dr OHIKHOBO you can reach him through his email: drohikhoboherbalcenter@gmail.com or his whatsap number +2348103601042 if you want cure for herpes or any of the disease listed below because the Dr says he also as cure for them.1.CANCER2.HEART FAILURE3.DAIBETES4.HPV5.EX BACK6.LOTTERY LUCKY NUMBER7.GENITAL WARTS

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  37. I almost gave up on ever getting cured of HIV VIURS because i have try many treatment none of them work out for me i have go to different hospital they always tell me same thing there is no cure for HIV when i came across a post about Dr OSAGIE, in the net from a lady called Angela i contacted him and he reassured me with him herbal medicine which i took according to the way he instructed, that how i was cured. I doubted at first because i have been to a whole lot of reputable doctors, tried a lot of medicines but none was able to cure me. so i decided to listen to him and he commenced treatment, and under two weeks i was totally fee from #HIV V`IURS i want to say a very big thank you to DR OSAGIE for what he has done in my life. feel free to leave him a message on email his email: ( OR
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    thank you my great dr .,,

    ReplyDelete
  38. The Great Dr.OLIHA Herbal medicine is a good or perfect cure remedy for HIV Virus, I was diagnose of HIV for almost 5 years, everyday i am always on research looking for a perfect way to get rid of this terrible disease as i always knew that what we need for our health is right here on earth though the scientist say there is know cure for this disease,on my search I saw some different testimony on how Dr. OLIHA has been able to cure HIV with is herbal medicine. I decided to contact this man, I contacted him and he guided me on how to purchase for the medicine. I asked him for solutions and he started the remedies for my health. Thank God, now everything is fine, I’m cured by Dr. OLIHA herbal medicine, I’m very grateful to Dr. OLIHA, reach him now on (oliha.miraclemedicine@gmail.com ) or you can also call him on +2349038382931.
    Dr. OLIHA Also Cures:1. HIV/AIDS2. HERPES 1/23. CANCER4. ALS (Lou Gehrig’s disease)5. Hepatitis B6. chronic pancreatic7. Emphysema8. COPD (Chronic Obstructive Pulmonary Disease)9. Asthma10.Acute angle-closure Glaucoma11. Diabetes12.CHRONIC PANCREATIC13.CHLAMYDIA14.ZIKA VIRUS

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  39. I want to thank Dr Harry for helping me get cure of my HERPES SIMPLEX VIRUS, for like 3 yrs Now I have been suffering from HERPES SIMPLEX, but one day as I was searching through the Internet I met a post about a woman called Tina i called her cause she was from my country Netherland who was cured by Dr Harry so I decided to give it a try to see if he could save my life Luckily for me I was cured by him. I cannot stop thanking him for what he has done for me if you are into similar problem Dr Harry is a great herbalist that treats and cure all manner of diseases like Herpes, HIV, Cancer, Syphilis, Hepatitis B, all types of Cancer, Gonorrhea, and solves life's problems that you might have etc.contact him today and he will help you solved your problem his email Dr Harry @ drharryherbs@gmail.com or contact him on what-apps +2349033111567 once again all thanks to Dr Harry who help me save my life from sadness to happiness.

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  47. I has suffered for Human papillomavirus HPV) for 2years, I was given some tablets at the hospital but I refused to take it, They said I have to be on it for life so I don't want take a drugs everyday for life. No point in taking medicine everyday when u won't get cure from it and I was advice to seek for natural herbal cure, after some time I found dr onokun is the most trustful herbalist that have herbs to cure wicked symptom's,I emailed dr onokun, for 2weeks been his patient he cured my (HPV) with his herbal. I only used his natural herbs for two weeks it was 100% cure. I'm not (HPV) patient anymore. I'm happy about it i finally got cured out of this mess been in my body for 2years. I also recommend you if you're living with (HPV) or herpes symptoms i also want you to be free contact dr onokun with the email attach to my post. Dronokunherbalcure@gmail.com

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  62. I has suffered for Human papillomavirus HPV) for 2years, I was given some tablets at the hospital but I refused to take it, They said I have to be on it for life so I don't want take a drugs everyday for life. No point in taking medicine everyday when u won't get cure from it and I was advice to seek for natural herbal cure, after some time I found dr onokun is the most trustful herbalist that have herbs to cure wicked symptom's,I emailed dr onokun, for 2weeks been his patient he cured my (HPV) with his herbal. I only used his natural herbs for two weeks it was 100% cure. I'm not (HPV) patient anymore. I'm happy about it i finally got cured out of this mess been in my body for 2years. I also recommend you if you're living with (HPV) or herpes symptoms i also want you to be free contact dr onokun with the email attach to my post. Dronokunherbalcure@gmail.com

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  69. We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
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    ReplyDelete
  70. Your are the great credit repair hacker I ever seen AARONSWARTZCYBERSERVICES@GMAIL.COM OR you rather text him on 1 (614) 344-8376. I have been struggling alone with no family support with a credit score of 475 which affect my financial spending. He desired to help me pay off my mortgage loan and increase my FICO score to 755 within 36 hours. He’s real and effective credit repair service.

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  71. We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
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  72. I am extremely pleased with the service LANX CREDIT SOLUTION provided. It was Awesome!!! They are a top-notch credit repair company. My score was boosted to 784, the fact that all negative items, including late payments, evictions, Judgements and traffic citations were expunged still baffles me, they also cleared my credit card debts. All this was done in 14 days. Contact them today and you’ll be glad you did. .reach them via LANXCREDITSOLUTION@GMAIL.COM and or +1 (310) 879 2541. TELL THEM YOU READ MY REVIEW

    ReplyDelete
  73. My name is Regina Gill, I am from USA. It's a pleasure for me to write this testimony about how I got my Genital Herpes cured two weeks ago. I have been reading so many comments of some people who were cured of various diseases by Dr. Williams, but I never believed them. I was hurt and depressed so I was too curious and wanted to try Dr. Williams, then I contacted him through his email when I contact him, he assured me 100% that he will heal me, I pleaded with him to help me out. My treatment was a great success, he healed me just as he promised. he sent me his medication and ask me to go for check up after 3 weeks of taking the medication. I agreed with him I took this medication and went for check up after a month later, to my greatest surprise my result was negative after the treatment, I am really happy that I am cured and healthy again. I have waited for 3 weeks to be very sure I was completely healed before writing this testimony. I did another blood test one week ago and it was still negative. so I guess its time I recommend anyone going through Herpes HSV-1 or HSV-2, HIV, HPV, Hepatitis B, Diabetes to reach him through (drwilliamscure@gmail.com) OR Whatsapp him(+2347040461868).& website: https://drwilliamscure.wixsite.com/herbalhome. contact him today to get cured of this virus

    ReplyDelete
  74. I am here to give testimony on how this powerful spell caster called Dr. padman helped me to fix my relationship. I was heartbroken when my Lover told me he is no longer interested in marrying me because another lady has used a black magic on him. I cried and sobbed every day, until it got so bad that I reached out to the Internet for help, that was when i read a review about the great work of Dr. padman then contacted him for help to get my love and my life back, he helped me cast a powerful love spell and to my greatest surprise after 24 hours of doing the love spell my lover came back on his knees begging me to forgive him We are now happily married and all thanks goes to Dr. Padman Wonders for helping me save my relationship you can contact Dr padman via Email padmanlovespell@yahoo.com or info@padmanspell.com Website: https://padmanspell.com/index-3.html or WhatsApp +19492293867

    ReplyDelete
  75. Seeing is believing they say, I knew something was wrong but I couldn't find my way around it. A friend introduced me WhitehatstechATgmailDOTcom, who without physical access to my spouse's phone got full access to all texts, calls, facebook, whatsapp and other social media. I find out my spouse was cheating with someone he met from a secret dating app on the phone(Seeking Arrangements) I'm working on filing for a divorce right now so sad about but it’s only right. You can contact him if you have similar problems

    ReplyDelete
  76. Oftentimes, it could seem unfair when you are unable to afford the basic things. not being able to acquire a home, car or loan. Simply because your credit score is low. I had suffered terribly due to a low credit score caused by eviction, late payments and hard inquiries. I had to contact LANX CREDIT SOLUTION a credit repair company. They literally saved me from my traumatizing experience. They increased my score and removed the negative and derogatory Items on my credit report. This review is in order to encourage you to do something about your bad credit. It took just 12 days for things to change everything.
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    ReplyDelete
  77. My name is Andrew Walker, I don’t have much to say but am here to thank TROVIAN CREDIT REPAIRS which i got their contact after visiting my sister and her family and told them my situation at hand how i was knocked out of my home because I was unable to renew rent and my credit profile was messed up in the past. They recommend Trovians to me how they are good in fixing credit, so i contacted them and told them if it’s possible to fix my credit report that has been messed up they gave me a positive answer and they went ahead with the job. In less than 5days my score was raised from a low 478 to 805 excellent and they cleared the eviction, collections late payment. Am happily living well in my new home. I will also recommend you out there to contact them now via email (TROVIANCREDITREPAIR@GMAIL.COM +1 505 926 3648) for your credit repairs services.

    ReplyDelete
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    ReplyDelete
  81. Fixed your credit report.
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  82. Natural herbs have cured so many illness that drugs and injection can’t cure. I've seen the great importance of natural herbs and the wonderful work they have done in people's lives. i read people's testimonies online on how they were cured of HERPES, HIV, diabetics etc by Dr Edes herbal medicine, so i decided to contact the doctor because i know nature has the power to heal anything. I was diagnosed with Herpes for the past 3 years but Dr Edes cured me with his herbs and i referred my aunt and her husband to him immediately because they were both suffering from Herpes but to God be the glory, they were cured too .I know is hard to believe but am a living testimony. There is no harm trying herbs, Thanks. Write him on WhatsApp on +2348151937428. @dr_edes_remedies deals with
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  85. DR OMO LOVE SPELL WORK FASTERI have been rejected by my husband after three(3) years of relationship just because another woman had a spell on him and he left me to suffer. one day when i was reading through the web, i saw a post on how DR OMO  spell caster have help a woman to get back her husband back i email the Dr dromolovespelltemple he told me that a woman had a spell on my boyfriend and he told me that he will help me and after 2 days that i will have my boyfriend back. I believed him and today I am glad to let you all know that this spell caster has the power to bring lovers back. because i am now happy with my boyfriend,if you need his help contact him now His WhatsApp Number:+2349065113124 or email:dromolovespelltemple@gmail.com

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  86. I lost with no hope for my wife was cheating and had always got away with it because I did not know how or always too scared to pin anything on her. With the help a friend who recommended me to who help hack her phone, email, chat, sms and expose her for a cheater she is. I just want to say a big thank you to AlbaniaspyhackerAtGmailDotCom. I am sure someone out there is looking for how to solve his relationship problems, you
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  87. Let me announce to everyone facing challenges in their credit report that there’s hope at last. I write to introduce you to a Reputable credit specialist called Hack West whom I met on a credit blog with good reviews and I told him the issues I’m having regarding my credit report; then I was having bankruptcy, liens, DMV, two closed accounts in my collections with one credit card debts. Few days after I told him these, entire he helped me removed all those from my report. I wasn’t expecting it to be done so fast and he raised my fico score to high 798 I got lifted again with a golden credit profile. My sincere gratitude goes to this great specialist and I will advice everyone out there to go for him he’s good and trustworthy. Here he is contact details Email: Hackwest at writeme dot com, Phone: +1(424) 307. 2638. Cheers!

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  88. I discovered my wife to be a silent killer, she acts up all loving and caring but a very silent killer and I found out with the help of WhitehatstechATgmailDOTcom this hacker made me to understand that my wife phone could be hacked and in less than 4 hours it was really hacked, I was able to read a lot that has been going on at my back right on my wife cell phone. This is like a dream come through, Thank you to the best hacker WhitehatstechATgmailDOTcom WHATSAPP; +18189256165

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  89. I use AOL emailing service for smooth and clear communication. But from the last three or four weeks, my AOL mail is not working, so I am extremely disappointed.

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  90. Hello there, I have been reading a lot about these credit repair companies and it reminded me of the great job Lanx Credit Solution did for me earlier this year, apparently my fico is still at 765 after 6 months of working with them. Before I contested them my score was as low as 530, had loads of negative items and credit card debts and a Judgement. They helped me tidy it up really good and added some trade lines in it. They are really good at it. Here is their contact just in case in require such service LANXCREDITSOLUTION@GMAIL.COM / +1 (310) 879 2541. Thanks and have a great day.

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  91. This comment has been removed by the author.

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  92. I had my credit card debt pay off and raise my credit score to 720 by one of the best Hacker called Aaron Swartz. He helped me make a drop on my credit card which the payment reflect in available credit within the next day.  He also delete negative collections items on my credit report within 48 hours. Contact him here; AARONSWARTZCYBERSERVICES@GMAIL.COM

    ReplyDelete
  93. Do you want a quick, genuine and permanent credit repair? then contact LANX CREDIT SOLUTION via LANXCREDITSOLUTION@GMAIL.COM / call or text (310) 879 2541. I had couple of collections and late payments plus my son’s student loans and some charge offs. My credit score was at the low 560 and needed to get approved for mortgage loan but was denied several times. A colleague told me about this people and how they fixed her credit in 10 days. I was moved so I contacted them on the 2nd OCT 2020 and they fixed my credit before 2 weeks. My score was increased to 790s and the negatives cleared. They promised that the repair is permanent. Big Shout out to them.

    ReplyDelete
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  96. Hello everyone, I’m here to announce the good works of HACKNET CREDIT SPECIALIST. For the first time in my life I have never meet such a humble and honest credit specialist like HACKNET. For the past 5years now have been dying with my credit scandal I lost everything including my house, my job, I was left with nothing the whole world seems to end due to my credit report then I meet a friend who referred me to HACKNET that he is the right person to save me from all my troubles after then I contacted him and explained my troubles and we move on with the job, I waited for the couple of days he told me I was surprise when he called asking me to check my credit karma that the deal is done I couldn’t believe what I saw on my report everything was cleaned up including my late payment all marked as paid I got approved for the loans I requested and I’m now on my new apartment. All thanks to HACKNET. You can reach him directly with those contacts
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    ReplyDelete
  97. Truthfully, taking the decision of contacting a credit repair company was not an easy one, I desperately needed a home, I couldn’t get one due to the evictions and Late payments on my credit, with a very low FICO, I was frustrated and had no choice but try one. Luckily for my I read some very good reviews on LANX CREDIT SOLUTION and decided to contact them. I have never been happier, my FICO was increased to 750 and the late payments and evictions were taken off my report. Superb service I must say!!! You can reach them on LANXCREDITSOLUTION@GMAIL.COM or (310) 879 2541. thanks

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  98. Excellent and professional investigative services. I hired Mr. WHITE for a very private and difficult matter of hacking my husband's phone and he far exceeded my expectations. He helped me get some info such as WhatsApp, Facebook, text messages, call logs and even phone conversations that I needed for proof of his secretive affair. The first time we spoke, we had a very long phone consultation in which he gave me all my options that he could think of to resolve my case, and he even recommended I try other options before hiring him, which shows that he is honest. I decided to hire him and I am glad I did. He is a fantastic investigator and a great person; to all loyal partners out there if you have a dishonest partner don't hesitate to send him a mail Contact: WhitehatstechAtGmailDotCom

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  106. Hi people, I encourage you to contact LANX CREDIT SOLUTION, they did me a huge favor and repaired my credit for a reasonable fee, there precision is excellent, they have all my trust and I am referring everyone with credit issues to them. Imagine erasing 12 hard inquiries, collections, charge off and eviction in less than 5 days. They went further in boosting my FICO score to 780 across the bureaus. I qualified for a home loan due to my perfect credit. Awesome, tell them Mateo Rolly referred you. Here is their LANXCREDITSOLUTION@GMAIL.COM/+1 (310) 879 2541]. Their services are excellent and they are always available.

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  107. In need of a professional hacker? i recommend you to contact NERD ORACLE. He can bypass through any social media ( instagram, gmail, whatsapp, facebook e.t.c.) He helped me get info on my cheating wife. This is a way of saying thanks to him. you can contact mail him at NERDORACLE247@GMAIL.COM . He is fast, efficient and reliable.

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    ReplyDelete
  110. I urgently needed a home loan but could not qualify for one due to my poor credit, I had a very low FICO and I had some inquiries, late payments and repos on my credit report, I really needed to fix my credit so I could get a home for my family. I confided in a friend and he was kind enough to introduce me to LANX CREDIT SOLUTION, they were able to fix my credit and add some positive trade lines to my credit, with a clean credit and a FICO of 782. Writing this review because I just got the loan I’ve been looking for. You can get through to them via
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  113. There is no problem without a solution, And today God has used a Dr. Kham to solve my own problem with his herbal medicine, i was diagnosed with Herpes virus 2 years ago, and i was told it has no cure that i have told me taking drugs, this break my heart because i hate drugs, this made me started looking for ways and means to get this virus out of my body, and i started making research and one day i came across a man who was sharing testimony how Dr. Kham Cure him and his wife from Herpes Virus, hearing this news Gladys my heart and i quickly collected the contact of the doctor he posted and message him, and after telling him all my problems he said he can help me and told me the cost of the medicine and said i will have to pay for the delivery first that when i receive the medicine before i will pay for the medicine and then i send him my address. This makes it two weeks now that I have finished taking his treatment and have done 3 different tests and all came out negative and I'm now living a normal life free from drugs. You can also contact this Doctor for any health issues or challenges for solution. Here are his contact Email Address: dr.khamcaregiver@gmail.com or whatsapp him on +2348159922297  Congratulations as you find solutions to all your health problems.  

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  114. Few months ago I was Confirm that I have herpes virus and ever since then I have been on research on how I will get rid of my Herpes Virus but on one faithful day i saw someone testifying about Dr. Kham and she Was saying that she was cured from herpes virus and also I quickly copy his email address and I emailed Dr. Kham and he told me that I need to get some herbs which i purchased and he told me that he will ship the herbal medicine to me through UPS courier service and he also told that his herbal medicine is going to take two weeks to cure me from herpes permanently and behold his herbal medicine work according to him and i am free from herpes virus ask i speak to you right now, Dr. Kham is a wonderful man and he is the best doctor I ever met in my life and he is the most truthful doctor in Africa  that i have contacted for help, you can also email him via dr.khamcaregiver@gmail.com or chat him on whatsapp number +2348159922297  And to know more about him check on his website  at > https://drkhamherbalhealingcenter.wordpress.com/  or visit his FACEBOOK PAGE: https://web.facebook.com/Dr-Kham-Herbal-Remedies-101547721440460/  

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  120. TESTIMONY ON HOW I GOT MY LOAN FROM A GENUINE FINANCE COMPANY LAST WEEK. Email for immediate response: drbenjaminfinance@gmail.com

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  121. I am here to give my testimony about Dr Ebhota who helped me.. i want to inform the public how i was cured from (HERPES SIMPLEX VIRUS) by salami, i visited different hospital but they gave me list of drugs like Famvir, Zovirax, and Valtrex which is very expensive to treat the symptoms and never cured me. I was browsing through the Internet searching for remedy on HERPES and i saw comment of people talking about how Dr Ehbota cured them. when i contacted him he gave me hope and send a Herbal medicine to me that i took for just 2 weeks and it seriously worked for me, my HERPES result came out negative. I am so happy as i am sharing this testimony. My advice to you all who thinks that there is no cure for herpes that is Not true just contact him and get cure from Dr Ebhota healing herbal cure of all kinds of sickness you may have like (1) CANCER,(2) DIABETES,(3) HIV&AIDS,(4) URINARY TRACT INFECTION,(5) CANCER,(6) IMPOTENCE,(7) BARENESS/INFERTILITY(8) DIARRHEA(9) ASTHMA(10)SIMPLEX HERPES AND GENITAL(11)COLD SOREHERPES. he also cure my friend from cervical cancer Email: drebhotasoultion@gmail.com or whatsapp him on +2348089535482

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  124. I had COPD for over three years, I was beyond scared! but sometimes I think is God prodigy that I was able to treat my COPD but herbal remedies has a big impact on my recovery. My lung function test indicated 44% capacity. After having had flu as well, the shortness of breath, coughing and chest pains continued even after being treated with antibiotics. I've been smoking two packs a day for 36 years. The problem was having is that I enjoy smoking and don't want to give up! Have tried twice before and nearly went crazy and don't want to go through that again. I saw the fear in my family eyes when I told them about my condition then they start to find solution on their own to help my condition.I am an 59 now who was diagnose COPD emphysema which I know was from my years of smoking. I started smoking in school when smoking was socially acceptable. I remember when smoking was permitted in hospitals. It was not known then how dangerous cigarettes were for us, and it seemed everybody smoked but i was able to get rid of my COPD lung condition through the help of Perfect herbal life my husband bought, Multivitamin Herbal Care has the right herbal formula to help you get rid and repair your lungs and cure you totally with their natural organic herbs.
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  125. I had COPD for over three years, I was beyond scared! but sometimes I think is God prodigy that I was able to treat my COPD but herbal remedies has a big impact on my recovery. My lung function test indicated 44% capacity. After having had flu as well, the shortness of breath, coughing and chest pains continued even after being treated with antibiotics. I've been smoking two packs a day for 36 years. The problem was having is that I enjoy smoking and don't want to give up! Have tried twice before and nearly went crazy and don't want to go through that again. I saw the fear in my family eyes when I told them about my condition then they start to find solution on their own to help my condition.I am an 59 now who was diagnose COPD emphysema which I know was from my years of smoking. I started smoking in school when smoking was socially acceptable. I remember when smoking was permitted in hospitals. It was not known then how dangerous cigarettes were for us, and it seemed everybody smoked but i was able to get rid of my COPD lung condition through the help of Perfect herbal life my husband bought, Multivitamin Herbal Care has the right herbal formula to help you get rid and repair your lungs and cure you totally with their natural organic herbs.
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  126. Natural herbs have cured so many illness that drugs and injection can’t cure. I've seen the great importance of natural herbs and the wonderful work they have done in people's lives. i read people's testimonies online on how they were cured of HERPES, HIV, diabetics etc by Dr Edes herbal medicine, so i decided to contact the doctor because i know nature has the power to heal anything. I was diagnosed with Herpes for the past 3 years but Dr Edes cured me with his herbs and i referred my aunt and her husband to him immediately because they were both suffering from Herpes but to God be the glory, they were cured too .I know is hard to believe but am a living testimony. There is no harm trying herbs, Thanks. Write him on WhatsApp on +2348151937428. @dr_edes_remedies deals with
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  127. This testimony is worth sharing to the world. I am here to tell the world of the good works of  Dr BALBOSA. My name is Olivia Bolton am from the UK.. My man left me and my kids for another older woman. It was not so easy for me.. I love my husband so much and I did not lose hope and I kept praying and God finally answered my prayers...i searched online for a spell caster to help me unite me and my lover back forever and i saw so many testimonies of  how DR BALBOSA has helped so many people online and i decided to give him a trial … I contacted him and explained to him. He told me not to worry that he will bring back my man within 24 hours. He consulted his powers and assured me not to worry . He did his work and cast the spell and to my greatest surprise, my husband came back the same day begging and crying  just as  Dr BALBOSA said. He begged me for forgiveness and he promised never to leave me for any reason. We are happy and we live together as one. Contact Dr BALBOSA now on: balbosasolutionhome@gmail.com and you can also contact him on WHATSAPP +2347048047728... don't lose hope have a lovely day 




    This testimony is worth sharing to the world. I am here to tell the world of the good works of  Dr BALBOSA. My name is Olivia Bolton am from the UK.. My man left me and my kids for another older woman. It was not so easy for me.. I love my husband so much and I did not lose hope and I kept praying and God finally answered my prayers...i searched online for a spell caster to help me unite me and my lover back forever and i saw so many testimonies of  how DR BALBOSA has helped so many people online and i decided to give him a trial … I contacted him and explained to him. He told me not to worry that he will bring back my man within 24 hours. He consulted his powers and assured me not to worry . He did his work and cast the spell and to my greatest surprise, my husband came back the same day begging and crying  just as  Dr BALBOSA said. He begged me for forgiveness and he promised never to leave me for any reason. We are happy and we live together as one. Contact Dr BALBOSA now on: balbosasolutionhome@gmail.com and you can also contact him on WHATSAPP +2347048047728... don't lose hope have a lovely day 

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  128. Herbal treatment is 100% guarantee for HSV cure, the reason why most people are finding it difficult to cure HSV is because they believe on medical report, drugs and medical treatment which is not helpful to cure HSV. Natural roots/herbs are the best remedy which can easily eradicate herpes forever. You can contact (Dr Lucky) he is capable of doing it WhatsApp/Call: +2348154637647  or email him: drluckyherbalcure@gmail.com him Facebook page is: https://www.facebook.com/pg/drluckyherbalcu/about/

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  129. I went through divorce recently and let my wife and kids stay in our marital home for a year before we sold it. During that time, I provided her with enough money each month to pay the mortgage and some bills. She unfortunately made several late payments even though she had the money. I was now unable to obtain a mortgage because no lender would work with me even though I had zero debt so I needed an expert that will help me fix my credit so I can be qualified for a mortgage. My uncle told me about a Credit Company that helped him remove medical bills and raised his score to 791 in 4days. I emailed them on RAPIDCREDITREPAIRS@GMAIL.COM and they responds quickly after texting (415) 754-7204. Well I did and eventually got started with the project with them. I was amazed after 4days on how they pulled through for me and removed all my late payments, raising my score to 799. I got the mortgage and all thanks to RAPID and their team for helping me. Contact them with the above email and number.

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  132. Quick Cure I will advise you to contact Dr KHAM AT (dr.khamcaregiver@gmail.com ) where all problems are solved without stress and delay. My family was getting drawn in sickness, we were all affected one after the other and medical prescription was not helping us. Till a friend's doctor directs us to contact Dr KHAM for quick cure and total cleaning. Dr KHAM is a miracle worker. It is never too late with Dr KHAM contact him today with { dr.khamcaregiver@gmail.com } you can also contact him on Whatsapp +2348159922297, Y You can Also Visit his website to know more about him at >https://herbal-dr-kham.jimdosite.com/ or visit his Blog at https://drkhamcaregiver.blogspot.com/
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  133. I want to tell everyone how i was cured of HERPES Simplex Virus by a Doctor called Dr Oje Abacha, i visited different hospital but there was no solution until one day i was browsing through the Internet searching for solution and i saw comment of people talking about how Dr Oje Abacha cured them. When I contacted him he gave me hope and sent a Herbal medicine to me that I took and it seriously worked for me,i'm free now without any problem, my HERPES result came out negative. I pray for you Dr Oje Abacha God will give you everlasting life, you shall not die before your time for being a sincere and great man. I'm so happy. You can also  email him at:  oje.herbalsolutioncentre@gmail.com  Or contact him on whatsapp  via +2348159734766 .

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  135. I had a poor credit which was largely due to identity theft, I needed a loan to finance my business but could not get one because my credit was not just good enough, after trying everything things went from bad to worse, the more I disputed the lower my credit score went. This continued till a Pal introduced me to Lanx Credit Solution. I explained my position and they assured me that they could help me put things in order by fixing my credit and increasing my score. They kept their words, I am still in awe. I now have a credit score of 782, all the negative items that bedeviled my credit were removed finally. It was good one. Get to them on Lanxcreditsolution@gmail.com, text/call (214) 888 9709.

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  136. The benefits of having a good credit can never be over emphasized, as a young Adult I made lots of mistakes and I’ve been paying for them ever since. As a divorcee with 4 kids living with a poor credit was not easy, I needed a mortgage loan because I needed a better home for my kids and I, I had an eviction, 4 hard inquiries, late payments and huge credit card debts. It wasn’t funny at all because I suffered a great deal. The good news is a credit repair company known as Lanx Credit Solution ensure that I was able to live my life to the fullest, they helped me improve my credit, removed all the negative and derogatory items, gave me a very high FICO score of 750. I will leave their contact here so you also can benefit from their excellent work LANXCREDITSOLUTION@GMAIL.COM and (214) 888 9709…

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  144. Always prayed to be able to afford my needs, I had everything going well till I lost my job and things went south, the pandemic made things worse, the situation dealt with my report and my FICO score became too low, I could get a home, I had late payments, liens and inquiries on my report. I took a cue from a friend whom had similar issues but was helped by Lanx Credit Solution and contacted them, it didn’t even take 2 weeks and I got everything back, they removed all derogatory items and increased my FICO score to 780 now with a very good credit things are beginning to look up for me and my family. You can get them on [LANXCREDITSOLUTION@GMAIL.COM (214) 888 9709]. Tell them Avery referred you.

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  147. My name is Hibbert Davidson, I’m so delighted because I never believed I could get rid of the negative items (Eviction, collections, late payments, medical bills and student loan) recorded on my credit report. Couple of months ago I contacted some credit repair company (Lexington law, online impostors) after paying a nonrefundable deposit service charge, they could barely delete any items from my credit report. I became troubled and decided to express my feelings to my colleague at work who referred me to a credit expert called HACKNET I contacted him on HACKNET567@GMAIL.COM/ 949 397 8437. I explained my problems to him and I gave him a try and the job was done neatly, he raised my credit score to a high 820 now I can apply for anything. He can fix Chex system and a DUI report as well. I believe most of you have credit issues and would probably consider this opportunity.

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  148. Hello Friends am so happy to give this testimony about an Africa herbalist doctor called Dr okosun who save my life from a herpes virus  that almost took my life away, Never in my life did I think herpes virus could be cured by a herbal medicine, Thank you lord for giving me a second chance so am using this medium to reach the life of hundreds of people currently facing such diseases all hope is not lost. How ever chronic is the sickness or disease Dr okosun will cure you permanently from it for i am a living testimony of his miraculous work and you can get in touch with this doctor via drokosun55@gmail.com or his what's app number +2348124363791  
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  149. Hi my name is Kathleen Graham. My credit was deeply in mess, I saw a few people praising Aaron Swartz credit doctor. So I get in touch with him and Hint me up with some few details which increase my credit score at least 220 points within few days. I have some late mortgage payments, medical bill, one late credit card payment and some inquiries which were wiped out. Best Credit Doctor. AARONSWARTZCYBERSERVICES@GMAIL.COM OR +1 (614) 344-8376.

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  151. Ellie Jones told me about Lanx Credit Solution and how they helped her increase her Fico and improve her credit, at first it was difficult to believe but I had pressing credit concerns that I needed to clear up I had foreclosure, evictions, late payments and some debts. It was like my life was over because I could not do anything about it, she persuaded me and I had to let them handle it. This review is as a proof that they are really good at what they do. My credit score sits at 760, and the evictions, late payments, and foreclosure on my credit reports are gone, my debts were also cleared. I appreciate their job and I would like you to contact them on LANXCREDITSOLUTION@GMAIL.COM or (214) 888 9709. It really was worth it.

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  152. Cool way to have financial freedom!!! Are you tired of living a poor life, here is the opportunity you have been waiting for. Get the new ATM BLANK CARD that can hack any ATM MACHINE and withdraw money from any account. 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 can’t be traced .You can use it anywhere in the world. With this card,you can withdraw nothing less than $4,500 a day. So to get the card,reach the hackers via email address : besthackersworld58@gmail.com or whatsapp him on +1(323)-723-2568

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  154. I travelled for a meeting not up to a week my nanny kept calling me about the different girls that she has been seeing around the house and she also told me that my husband kept on telling her that the girls that comes around are his sisters but deep inside me i know my husband only have a sister i became so worried then i was referred by people to hire jeajamhacker@gmail.com for solutions, behold after my contact with this hacker i read all his text messages and i saw those girls has been my husband side chick. all thanks to jeajamhacker@gmail.com

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  156. I am Joe Engressia, Certified Ethical Hacker (CEH) — Delivered By Leading Experts‎.
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  157. I'm here to testify about what DR. OYAGU did for me. I have been suffering from (GENITAL HERPES VIRUS) disease for the past 2 years and had constant pain and inching, especially in my private part. During the first year, I had faith in God that i would be cured someday.This disease started circulating all over my body and I have been taking treatment from my doctor, few weeks ago I came across a testimony of Shayla Bosschart on the internet testifying about a Man called DR. OYAGU on how he cured her from 7 years HSV 2. And she also gave the email address of this man, advise anybody to contact him for help on any kind of diseases that he would be of help, so I emailed him telling him about my (HSV 2) he told me not to worry that I was going to be cured!! Well, I never doubted him I have faith he can cure me too,, DR. OYAGU prepared and sent me Healing Soap, roots and herbs which I took. In the first one week, I started experiencing changes all over me, after two weeks of using his Roots/ Herbs, Oil and Soap, I was totally cured. no more inching , pain on me anymore as DR. OYAGU assured me. After some time I went to my doctor to do another test behold the result came out negative. So friends my advise is if you have such disease or know anyone who suffers from it or any other disease like HPV, HBV, HIV, ALS, HBP, CANCER etc. you can contact DR. OYAGU for help via email} oyaguherbalhome@gmail.com whatsaap him through his mobile} +2348101755322. , Thanks once again DR. OYAGU for making me a happy woman again.

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  158. I and my husband were in need of fixing our credit. We were having eviction along with our daughter and almost 2 year old granddaughter. We were so tired of struggling and paying awful high rent because we couldn’t buy a house as a result of our bad credit. I went online and I read a lot of good reviews about HACKNET CREDIT SPECIALIST so I contacted him via his contacts; HACKNET567@GMAIL.COM (949) 397 8437. I issued out my credit situation to him and he promised to help me fix my credit within 5days. We got started and after 5days he got back to me with good news. He deleted all the nagging public/negative items and eventually raised my score to 803. We bought a new home and we are living happily ever after as a family. I strongly recommend HACKNET for your credit issues. Thank me later

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  159. I will only recommend the best credit doctor here Loyd Blankenship hacker. He will help you erased your negative items, eviction and paid off student loan on your credit report. Since I met him my life changed. My credit score is now 780+ and also purchase a Brand new SUV for my family. Contact Loydblankenshiphacker AT gmail dot com

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  160. HERBAL DR EMU WHO PREPARE HERBAL MEDICINE TO CURE ALL KINDS OF DISEASES INCLUDING HERPES DISEASE.   
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  164. I know a real credit hacker which who helped me get my problems off my neck. He use his ability and skills to raise my credit scores to 250 points and also eliminate eviction, negative items collections. My Navy FCU credit card also paid off within few days. His job is accurate and he keeps up with time. Contact Details; AARONSWARTZCYBERSERVICES@GMAIL.COM OR +1 (614) 344-8376.

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  165. I Want To Appreciate Dr OLIHA for his great deeds, I Was Diagnosed With type 2 Herpes Virus Last year, And I Was Looking For Solution To Be Cured Luckily I Saw Testimonies On How Dr OLIHA Cure Herpes Virus I Decided To Contact Dr OLIHA I Contacted Him He Prepared A Herbal Medicine Portion And Sent It To Me, I Started The Herbal Medicine For My Health. He Gave Me Step By Step Instructions On How To Apply It, When I Applied It As Instructed, I Was Cured Of This Deadly Herpes Within 2 weeks, I Am Now Herpes Negative. My Brother And Sister I No That There Are So Many People That Have The Same Herpes Virus Please contact Dr OLIHA To Help You Too, And Help Me To Thank Dr OLIHA For Cure Me, I’m Cured By Dr. OLIHA Herbal Medicine, His Contact Email:{oliha.miraclemedicine@gmail.com} or visit his website is https://olihamiraclemedicine.webs.com/  or  Cell Whatsapp Number +2349038382931 thank you

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  166. I'm very happy working with Loyd Blankenship because; He pay off my student loan and He raise up my FICO score to 760 within few days, which was amazing. He erased my hard inquiries, some bad records on my credit report which I’m glad at the moment. You can reach him Contact Details; Loydblankenshiphacker AT gmail dot com

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  167. Am so grateful in my heart this new year to write about Rapid Credit Repairs how they got my credit fixed. I have some couple of student loans, Tax liens, credit card debts and traffic citation on my public record all these made me not to apply for the home of my choice due to my bad credit profile I was worried about the whole issues and in search for permanent solution then I meet Rapid Credit Repairs on Locanto site with good reviews on how they have helped a lot of people in resolving their credit issues so I contacted them immediately and I was directed to one of best expert and after much discussion with him I finally got my credit fixed with a high score of 799 everything on my credit report was wiped out just in 5days after I contacted them and they also add Tradelines to my credit with a good credit limit of $5,000 the home I applied was also approved. They’re best in fixing credit report and if you have issues regarding your credit profile kindly contact them now.Rapidcreditrepairs@gmail.com/(415) 754 7204

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  168. I feel so happy when mailed Aaron Swartz to fixed my 3 credit bureaus report, Before I emailed him I had 701TU, 690Eq and 682Ex credit score. I own about $45,000 credit cards, 2 hard inquiries & 2 derogatory and which he raise my credit score to a golden score within few days. He also paid off the credit cards debts and remove the negative items on my credit report. This experience I can never forget. For those who need his Contact Details; AARONSWARTZCYBERSERVICES@GMAIL.COM OR +1 (614) 344-8376.

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  169. I remember my experience with hackers i contacted online, i almost lost hope in finding out if my husband was loyal to me and has been loyal in our 20 years marriage,I lost a lot of funds in paying these so called hackers so i made up my mind that if i get scammed again i'll just forget about finding out what God doesn't want me to know, Then i saw reviews about ( HACKINTECHNOLOGY@GMAIL.COM ) and decided contact him and if and if i hear any stupid excuse won't contact anybody and just accept that God doesn't want me to then he proved to me that he isn't a cheat by working a sample job for me but to my greatest surprise he did the job and sent results to me fast, i was so happy but sad part was i divorced my husband, and i will drop an advise for people who wants any kind of hacking services stopped being scammed by people who impersonate being hackers, (ETHICALHACKERS009@GMAIL.COM) for a fast and clean job.Here is his cell number +1 (669) 225 2253 , Thank me later.

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  171. Hello I was in search of an urgent help with my credit because I want to purchase a house for me and my families I was in the hospital due to dehydration about 2years ago that caused my credit to drop and I got a lot of bills on my record like rent and utilities bills and all of my credit cards were getting behind including the payment history, derogatory marks and hard inquiries all these made my score to drop to 510 I was confused on what to do then I meet this guy HACKNET on a credit blog with great reviews on how he has helped a lot of people with their poor credit so I text him with his direct number (949) 397 8437 for help after a little discussion with him to my greatest surprise he got my credit fixed permanently within a couple of days with everything clean up including my credit card debts with the little amount I gave him. Am so grateful to have him fix my credit report and I will want everyone out there to give him a try. You can also reach him on mail via HACKNET567@GMAIL.COM and remain bless. Thanks

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  172. I was able to recover my funds from a very sketchy company, 24Options, Last year a friend and I invested all our life savings but got duped in the process. This January, we were able to use the services of R E C O V E R C O I N @ R E S C U E T E A M . C O M and we have gotten all our money back. My nightmare is over, It's a whole new day here. Do be careful when dealing with investments.

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  173. I was always skeptics about fixing credit report but ever since I met Loyd Blankenship, He got me covered. His services are safe and secured with 100% guaranteed. The good news was, My Student loan have been paid off and positive tradelines have been added to my report without a trace within 10 business days. My FICO score was raise up to 780 excellent standard and and I'm happy again. Contact LOYDBLANKENSHIPHACKER@GMAIL.COM

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  174. For your recovery your stolen Bitcoin, Clear criminal records, School grades upgrade, Clears bad Driving, Facebook hack, Whatsapp Hack, Raise credit score, Pay off debts, Clear negative items. Aaron Swartz got you covered in any hacking services. His services are 100% secure and you will receive your money back if you are not satisfied with the services offered. Contact Details; AARONSWARTZCYBERSERVICES@GMAIL.COM

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  175. So some days ago I was on the internet and found a lady complaining of recurrent herpes symptoms and how this has damaged her relationships, also on the post I read about how many people say that herpes has come to stay forever and that there will never be a cure for it. The truth is I am a living proof that there are remedies to herpes, I am 42 this year and I had herpes before and it all went away in 2017 after weeks of having to use a certain herbs medication from an online store https://naturalherbsremedystore.square.site email ( dr.osojo@gmail.com ), my doctor certified the medicine as good to digest and just not less than 3 weeks of using the herbs. I realised the recurrence symptoms were gone and medical results were carried out and confirmed that I no longer had it.
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  177. The only genuine and reliable hacker is PRIVATEINVESTIGATORHACKER@GMAIL.COM, Easiest way to know your spouse devices activities. I was able to access my spouse device without seeing or touching all the way from the Turkey. I’m glad I can monitor her without her knowledge. He also change school grade. Grateful I could use this service.

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  180. Welcome. BE NOT TROUBLED anymore. you’re at the right place. Nothing like having trustworthy hackers. have you lost money before or bitcoins and are looking for a hacker to get your money back? You should contact us right away. It's very affordable and we give guarantees to our clients. Our hacking services are as follows:  Website:https://creditcardsatm.wixsite.com/website  Email:Creditcards.atm@gmail.com 
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  181. It has been really hard losing a lot of my money to these binary options and cryptocurrency trading companies. Fortunately, I found a Recovery company that made sure I got back everything I lost. If you are in a similar situation and have lost a lot of money, Contact: R E C O V E R C O I N at R E S C U E T E A M dot C O M. they are reliable, fast and very good

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  182. My husband and I are both retired disabled, he is a retired veteran and due to our very limited income and family circumstances that happened years ago and up to now we had difficulties financially and thus our bad credit and low credit score is haunting us up to our old age. I went on google to search for help and I found pacific credit expertise called Aaron Swartz. Our debts, tax lien and hard inquiries is completely removed from my credit report and our FICO score increased to 820 excellent standard. He also funded our bank account with $7,500 each, we are living a standard life now. Big thanks to Aaron Swartz. He’s blunt and honest. Contact Details; AARONSWARTZCYBERSERVICES@GMAIL.COM OR +1 (614) 344-8376.

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  183. Life can be very frustrating when you find yourself into the wrong person, I got divorce last year Nov and went on with my life with 3kids never knew that my Ex hubby has messed up my credit with a lot of collections in items, personal loans medical bills and when I checked my report I found that my score has gone down to 534 I was so surprise because I know nothing about those collections on my credit report and is really affecting my job I started looking for solution on how to get those stuffs out then I meet my co-worker and told her what’s going on my report she referred me to HACKNET for solution and contacted him with the following info HACKNET567@GMAIL.COM / 949 397 8437. With no doubt he is an expert he did exactly what he told me that he was going to do. Am so happy everything on my credit is totally clean up and my score is wonderful. I will also refer him to everyone out there for your credit solutions with the above contacts.

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  184. I thank God I escaped from the scammers hands. I recently recovered my funds
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  185. Thinking about how to set up an email account on Suddenlink.net? You've come to the right spot. Basic Suddenlink email settings consisting of POP, IMAP and SMTP settings must be added to the complete Suddenlink account configuration. If your Suddenlink.net email settings are a problem, then you may face a problem when sending or receiving emails. You need to enter some essential information/details when setting up your Suddenlink.net email account, such as Suddenlink IMAP (POP) settings, Suddenlink SMTP settings, username, etc. Without any error, all this significant information must be entered, so be careful when entering the same. You would not be able to access your Suddenlink mail on various devices or email clients like Android, iPhone, Outlook, Incredimail, etc. without the correct Suddenlink email settings.

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  186. I have read so many negative reviews about credit repair that I thought every company in the industry was a scam. A friend of mine had used Credit Specialist4 and told me that they did a great job. So, with caution, I contacted them and I was pleasantly surprised. They were very patient and set me up on a plan that was affordable for me. All in all I was very happy with their service and even more happy with my fantastic new credit score. I would recommend them to anyone looking for credit repair. Contact: (CR E D I T S P E C I A L I S T 4 at G M A I L dot C O M)

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