Wednesday, November 15, 2017

Goals for 2018: Big Things Ahead!

In this post, I'd like to share a draft  plan of what I think my 2018 Financial Goals will be.  It's only November of 2017 still, so I've got a few weeks left to adjust any of these goals if necessary, but as it stands right now I think these will be what I strive for in 2018, from a financial perspective.

My primary purpose with these goals is simple: to give me a benchmark of success, to know where I should be heading when things are unclear, and to evaluate how well I am doing over the long 365 days we have in 2018.

For this year I decided on 10 financial goals (in 2017 I had 10 as well), but this year I am adding what I will call a "stretch goal" as well - a goal that is far out of reach, one that I may strive for (or may not), so if it does end up actually happening, awesome. But if it does not, no big deal. Spoiler - this year's stretch goal is real estate related.

I tend to put a lot of thought into picking these goals and narrowing them down to only my top 10. But on the other hand, I also tend to think that one's financial success is more about the discipline of sticking to a plan over time than it is about coming up with the right, very complicated, or detailed, plan.  In my opinion, financial success is rather straightforward: save more than you earn, diversify, and invest wisely over many, many years. That is pretty simple. But it is definitely not easy. It is actually very hard sticking to your plan, day in and day out, when others are doing many other more exciting things, or taking exciting vacations, while you are diligently sacrificing and not derailing your plan with poor investment choices or reckless spending.

Let's take a look now at my goals for 2018. I'll be turning 32 years old this year, and will be entering the 3rd year of Passive Income Dude. With all of that said as an introduction, I'm anticipating BIG THINGS AHEAD!  Here we go:

1) $17,000 Earned in Passive Income.  

Passive Income is the primary focus of this site, and therefore the amount of passive income I earn each year is always (...and will always be) my primary financial goal.  For 2018, I think $17,000 by year end, which equates to a massive $1,416 per month, is an appropriate goal.  I'd like to share what I believe it will take to get there:

First, if I hit my goal for 2017 of $13,000, then $17,000 would represent a year-over-year growth of about 31%.  Ambitious, for sure, but achievable with the right steps and focus. I'll need to contribute a lot of new capital, avoid major maintenance or repairs in my real estate, and definitely avoid any long term vacancies.  Now, if I come up short on my 2017 goal of $13K, then this number will be even harder to achieve. But I doubt I will lower it from $17,000. $17,000 is the number in my mind, and so that is what I am shooting for!

2) $20,000 Cash Saved.

With the growth of my portfolio and family over the last few years, at this point I have kind of been playing with fire given how little of a cash cushion I have. Despite having 4 properties, a wife, two kids, and two cars, believe it or not I OFTEN have less than $100 liquid cash in my checking or savings account. Every month its $100 or less, believe it or not. This has to change. But this is going to be a very challenging goal; requiring serious discipline and sacrifice. None of these goals are easy, but that's what make them important and rewarding when they are completed.

Anyway, it's time to have an appropriate cash-cushion, and I think $20,000 by the end of the year is the right number. I will be starting the year with essentially $0, so this will be a good goal for me, and is my 2nd most important goal of the year. Does anyone have a recommendation for how much liquid capital you think one should have?

3) 30% Savings Rate Per Month.

My 3rd most important goal this year is my savings rate per month. In 2018 I think 30% is appropriate. While I think savings should be towards the top of anyone's financial plan, I also think that living and giving are actually more important, so I don't want this number to be much higher than what I've listed. In fact, 30% is 2% higher than my 2017 goal, and so I think it will take a good amount of effort to achieve 30%/month.

4)  Max my Wife's ROTH IRA

My next two goals are both IRA related. I am very passionate about ALWAYS maxing our ROTH IRAs, and this year will be no different. The amount needed to max a ROTH IRA is $5500 for each account, so this will take some diligence to make it happen.  

5) Max my ROTH IRA

No change from above.  There is no way my wife's IRA gets maxed without mine getting maxed as well. Notice I did put hers first in priority though! ;)

6) 810 FICO Score by the End of the Year

In 2017 I aimed for a 800 FICO score by year end, and it's going to be a photo finish to see if I make it. I think we're floating around a 785 right now. We may indeed fall short. But this goal is somewhat tied to my stretch goal below, and is also just a personal desire of mine to have a very high FICO score. We'll see what happens!

7) Contribute $161/mo As an Extra Principle Payment to my Colorado Property

This is a hard goal for me (even to write down, to be honest), as I have always been about maxing my leverage, not giving money back to the bank unless they require it as a down-payment, and always putting any additional capital elsewhere or into a new property...not into one I already have. But the reason for this goal is simply because with an extra $161/mo, I will then be contributing more principle each month towards my loan balance than the amount of interest I pay. And with so many years left on my loan, I think this small amount will almost pay for itself with the total interest saved over the life of the loan. In fact, I'm looking forward to seeing YEARS come off my mortgage end-date simply because of this small additional capital contribution. You'll probably see me lower this number as my interest decreases for 2019.  I will be able to back off my contributions, while still having more principle than interest.  As you can see, I'm only willing to do this SMALL amount extra! :)

8) Contribute $117/mo As an Extra Principle Payment to my Missouri Property 

There isn't much difference between this goal and the one above. I like my CO property much more than my MO one, and I only need an additional $117/month to have more principle than interest applied to this Missouri loan.  So I think this small amount should really help my "snowball" pick up speed in terms of "total earnings" for my real estate portfolio. Again, I'm only willing to do this small amount. :) and I'm still not sure I even believe in this strategy, but I am going to give it a try.  I'll call it "forced additional savings" for 2018, if nothing else.

9) Contribute 1% per Month in my TSP

This was a goal I had in 2017 that I did not achieve. A TSP is essentially a 401K equivalent for federal employees. Since I do not have much money left over after maxing my two ROTH IRAs and paying down debt, I haven't really ever tried maxing out my TSP (at $18,000 per year). I know I am at least a few years out before I have enough max my ROTHs and my TSP, so this year we are starting slowly again with only 1% of my monthly salary contributed.

10) $25/mo Saved in my Kids' 529 College Savings Plan

I'm still slightly behind where I need to be in terms of college savings, but frankly, I wasn't given any college funds from my parents, and so this is last on my list of financial priorities. In fact, a quick college-savings story for you: shortly after my wife and I were married, she received an inheritance of $10,000 from her grandmother. Since her grandmother was such an incredible woman who cared very much about education, we decided to honor her and use the entire $10,000 gift to start a 529 college savings account for our first son, mostly as a small way to continue her legacy. Since that original $10K contribution, the account has now grown to $20,000 after about 7 years. So I do not think we are extremely far off from where I would like to be with our kids college savings...but with two kids and maybe more on the way, we will need much more than that to fund their college experiences. But still, this is not a major priority yet with each of our kids under 4yrs old, which puts this as goal number 10 out of 10.

So there you have it. The top 10 financial pursuits I will strive for and will use to monitor our progress and benchmark our successes.

So that's it. One of my favorite things is getting feedback and learning from other bloggers' financial goals. Reading all of your 'Goals' posts is my favorite! So do you have any recommendations? I would greatly appreciate any thoughts you have!

Thanks for reading,

Passive Income Dude

56 comments:

  1. Wow. Those are a lot of goals. ARe they ambitious...sure. But you know what, with great focus/dedication, I know you will be able to hit it. What's crazy is that your financial position is going to improve drastically just by attempting these goals, regardless on the outcome. Kudos to you for making such challenging goals for yourself and I look forward to watching you MAKE IT HAPPEN!

    Bert

    ReplyDelete
    Replies
    1. Bert THANKS! I agree that just getting your goals down on paper will make you much better off than not doing it! And we'll see what happens, but it is always good to try your best! I appreciate the Diplomats support and here's to an awesome 2018!

      Delete
  2. Awesome PID. Definitely important to set goals and it's never too early to consider what those goals should be for the new year. Good luck on achieving your goals for next year and I like the idea of having a stretcher goal. I think trying to max out both ROTH IRAs is a good goal and it's something I try to do with my own IRA every year.

    The one thing I thought was interesting though was the decision to pay a small portion of the principal on your rentals. It's always a tough choice to decide if you should pay off the mortgage early or use that money to invest.

    ReplyDelete
    Replies
    1. Thanks Div Portfolio, yea to me the Roth IRA is a no brainer. Hard to get done with two accounts but think the attempt is worth it for sure. As for the principle idea on the two rentals, this one I could probably be convinced NOT to do pretty easily... :) I always like to max my leverage, but I also want my rentals paid off...so quite the opposite desires! LOL. I'm going to just enough to slowly nudge the snowball to pick up speed on it's own; at least that is my thought. Plus, there's never anything wrong with a little extra 'forced' savings, right? Thanks for commenting!

      Delete
  3. PID -

    Love the goals and $20K seems like a TON for savings in a cash cushion. However, not sure how many months that provides from a cost stand point for you. I typically have less than a few thousand at a given point in time, so similar to you - try to invest most of my dollars!

    -Lanny

    PS - really cool with what you and the family did with the inheritance, the legacy will love on for quite some time that way!

    ReplyDelete
    Replies
    1. Hey Lanny, thanks for the comment. Yea $20K does seem like a ton; however I have to start building some kind of reserve and I've got many reasons for doing so. First, I think we'll have a bear market someday (lol), so it would make sense to have a lot on hand for that. Second, I can't keep using 0% interest credit cards forever (I don't think). Third, I need to start saving for another downpayment. So all of those reasons suggest it makes sense to have much more cash on hand than I do currently. Anyway, take care and keep up what you and Bert are doing!

      Delete
  4. Nice goals Dude! I'm really looking forward to setting mine in about a month as well, exciting time each year.

    As far as the cash cushion, I think everyone is probably different. I like a low cash holding, but I think I'll end up keeping it a percentage of my net worth rather than a $ amount. 5% feels right for me. So when I hit $1,000,000, I'll want $50,000 in cash. For me this does a couple things, protects me from any hard times and also gives me the chance to cash in on opportunities if they arise. Just my two cents!

    I think financial samurai has some good posts on this subject.

    ReplyDelete
    Replies
    1. Great thought Stacker! The percentage is typically best for a long term strategy I would imagine.

      And I've always had a low cash cushion, but I think it is time to change that a bit. Being able to move quickly when an opportunity presents itself, thanks to large cash positions, seems to be a valuable advantage. Take care!

      Delete
  5. These are some very good goals to strive for. I think it's great you are challenging yourself with them. I believe you will be able to achieve them. Great idea to start saving cash as you never know when you need it, I am attempting to build my cash up as well. Good luck buddy with these goals I can't wait to read your progress posts throughout the year.

    ReplyDelete
    Replies
    1. Thanks Freezeman! I really appreciate the comment. Well see what happens! Typically I (thankfully) achieve most of the goals I set for myself, but many of my financial goals 'compete' against each other for our limited capital, so I rarely achieve them all, lol! Here's to a great 2018!

      Delete
  6. Nice list of goals. Good thing to have a big list of them to keep you focused. Max out Roth IRA is always on my list, just finally was able to accomplish this for this year. Cutting it close but better later than never. Best of luck achieving all your goals next year!

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  22. We Facilitate Bank instruments SBLC for Lease and Purchase. Whether you are a new startup, medium or large establishment that needs a financial solution to fund/get your project off the ground or business looking for extra capital to expand your operation,our company renders credible and trusted bank guarantee provider who are willing to fund and give financing solutions that suits your specific business needs.

    We help you secure and issue sblc and bank guarantee for your trade, projects and investment from top AA rated world Banks like HSBC, Barclays, Dutch Ing Bank, Llyods e.t.c because that’s the best and safest strategy for our clients.e.t.c

    DESCRIPTION OF INSTRUMENTS

    1. Instrument: Funds backed Bank Guarantee(BG) ICC-600

    2. Currency : USD/EURO

    3. Age of Issue: Fresh Cut

    4. Term: One year and One day

    5. Contract Amount: United State Dollars/Euros (Buyers Face Value)

    6. Price : Buy:32%+1, Lease: 4%+2

    7. Subsequent tranches: To be mutually agreed between both parties

    8. Issuing Bank: Top RATED world banks like HSBC, Barclays, ING Dutch Bank, Llyods e.t.c

    9. Delivery Term: Pre advise MT199 or MT799 first. Followed By SWIFT MT760

    10. Payment Term: MT799 & Settlement via MT103

    11. Hard Copy: By Bank Bonded Courier


    Interested Agents,Brokers, Investors and Individual proposing international project funding should contact us for directives.We will be glad to share our working procedures with you upon request.



    Name: Muhammed Emir Harun

    Contact Mail :info.financewizardltd@gmail.com

    Skype: info.financewizardltd@gmail.com

    ReplyDelete

  23. We Facilitate Bank instruments SBLC for Lease and Purchase. Whether you are a new startup, medium or large establishment that needs a financial solution to fund/get your project off the ground or business looking for extra capital to expand your operation,our company renders credible and trusted bank guarantee provider who are willing to fund and give financing solutions that suits your specific business needs.

    We help you secure and issue sblc and bank guarantee for your trade, projects and investment from top AA rated world Banks like HSBC, Barclays, Dutch Ing Bank, Llyods e.t.c because that’s the best and safest strategy for our clients.e.t.c

    DESCRIPTION OF INSTRUMENTS

    1. Instrument: Funds backed Bank Guarantee(BG) ICC-600

    2. Currency : USD/EURO

    3. Age of Issue: Fresh Cut

    4. Term: One year and One day

    5. Contract Amount: United State Dollars/Euros (Buyers Face Value)

    6. Price : Buy:32%+1, Lease: 4%+2

    7. Subsequent tranches: To be mutually agreed between both parties

    8. Issuing Bank: Top RATED world banks like HSBC, Barclays, ING Dutch Bank, Llyods e.t.c

    9. Delivery Term: Pre advise MT199 or MT799 first. Followed By SWIFT MT760

    10. Payment Term: MT799 & Settlement via MT103

    11. Hard Copy: By Bank Bonded Courier


    Interested Agents,Brokers, Investors and Individual proposing international project funding should contact us for directives.We will be glad to share our working procedures with you upon request.



    Name: Muhammed Emir Harun

    Contact Mail :info.financewizardltd@gmail.com

    Skype: info.financewizardltd@gmail.com

    ReplyDelete

  24. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR LEASE AT THE LOWEST RATES AVAILABLE. OTHER FINANCIAL INSTRUMENTS SUCH AS MTN, CD, DLC, PB ARE ALSO AVAILABLE.

    I am direct to a provider who has recently issued banking instruments for a couple of my clients the provider is 100% check-able you can do your due diligence on them. I personally know the provider.

    Our instruments are only from triple 'a' rated banks and we issue from $1M to $5B . The provider is 100% verifiable. If you are genuinely seeking bank instruments. Contact me and i will furnish you with details.

    They deal with issuing of instruments such as Bank Guarantee and Standby letters of credit also Letters of credit. I only want serious buyers then i will put you in touch with the provider directly.

    - Bank Guarantee (BG)
    - Standby Letter of Credit (SBLC)
    - Direct Line of Credit (DLC)
    - Medium Term Note (MTN)
    - Letter of Credit (LC)
    I will be glad to share with you our working procedures.
    Contact :Robert Glen
    Email: robertg.finance@gmail.com / robertglen.finance230@yahoo.com
    Skype: robertg.finance@gmail.com
    BROKERS ARE WELCOME & 100% PROTECTED!!!

    ReplyDelete

  25. Project Funding and Banking Instrument Such As {(BG/SBLC/LC/DC/MTN)} for lease and purchase

    Sir

    I am a financial consultant and have a very good and reputable Provider of some bank instruments we can only deliver fresh cut cash backed lease bank instrument {(BG/SBLC/LC/DC/MTN)} to you in accordance to our terms and condition. Our bank instruments can serves as collateral as the case may be, which will enable you get loans from your bank so as to embark on any projects such as Aviation, Agriculture, Petroleum, Mining, Telecommunication, Construction of Dams, Real estate, Bridges, Trading, Importing and exporting and Other Turnkey Project (s) etc.

    Also these instruments can be put in PPP, etc. Please do let me know of your willingness to proceed and I will email you our terms and condition upon request.

    Contact :Robert Glen
    Email: robertg.finance@gmail.com / robertglen.finance230@yahoo.com
    Skype: robertg.finance@gmail.com
    BROKERS ARE WELCOME & 100% PROTECTED!!!

    ReplyDelete
  26. We are project funder as well as financial lender. We have BG/SBLC specifically for BUY/LEASE at a leasing price of 4%+2% of face value Issuance by HSBC London and many other 25 top AA rated Bank in Europe, Middle East or USA. We also secure funding. Also We are into the provision of short term and long term business/personal loans for both small and large scale business funds.

    * FOR LEASING OF BG/SBLC

    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    LEASING FEE = 4%+2%

    * FOR PURCHASE OF FRESH CUT BG/SBLC

    PRICE = 32%+2%

    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.
    Contact Name : Derek Byrne
    Contact Email:
    tclfinancialltd@gmail.com
    Skype : tclfinancialltd@gmail.com

    ReplyDelete
  27. We are authorized Financial consulting firm that work directly with
    A rated banks eg Lloyds Bank,Barclays Bank,HSBC bank etc

    We provide BG, SBLC,and lots more for clients all over the world.

    We are equally ready to work with Brokers and financial
    consultants/consulting firms in their respective countries.

    Our procedures are most reasonable and safest as we operate a 100% financial risk free process which entails that the issuing and receiving bank continues the transaction immediately after DOA is countersigned

    We offer certifiable and verifiable bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions. We are RWA ready to close leasing with any interested client in few banking days

    We hope to establish a long term business relationship with you even after this first trial

    Regards
    WALSH SMITH, ROBERT
    email : info.iqfinanceplc@gmail.com
    skype: cpt_young1
    Tel contact: +447031968934
    Registered No: 04374045

    ReplyDelete
  28. IQ FINANCE PLC provides a full financial planning service to both the commercial and domestic markets. At IQ FINANCE PLC we believe that financial planning is about two things: creating wealth and protecting wealth. These two objectives are at the heart of everything we do. And, as a member of IQ FINANCE Services, we give you a small-company service but with a large-company set up – the best of both worlds.
    You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc.

    Our procedures are most reasonable and safest as dealings are done bank to bank immediately after DOA is countersigned keeping you our client guaranteed of safety 100%.

    Leasing Price : 4%+2%

    Buying Price: 32%+2%

    Contact us for more details on our terms and procedure of transaction.

    WALSH SMITH, ROBERT

    email : info.iqfinanceplc@gmail.com

    skype: cpt_young1

    Tel contact: +447031968934

    ReplyDelete
  29. We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions.

    BANK INSTRUMENT PARTICULARS

    Instruments :Fully Cash Backed, Fresh Cut Bank Guarantee(Standard ICC format)
    Age :One (1) years and One (1) day
    Rate :Leasing: 3+2, Purchase: 32+2
    Currency :USD/Euro
    Bank :Top A Rated banks
    Amount :As Advised by Beneficiary
    Intermediary Fees : Two Percent (2%) of Face Value payable by Beneficiary
    Tranches : As per agreed tranches schedule
    Delivery : Swift MT799/MT760
    Payment : Swift MT103 (Wire Transfer)

    Contact Name: Michael paker
    Email:bramblesfinanceplc@gmail.com
    Skype ID:bramblesfinanceplc


    ReplyDelete
  30. Are you blacklisted? Struggling to get a personal loan? Has your application been DECLINED due to Low Credit Score? Over COMMITTED? Affordability? But you know you can afford this loan. Loans Approved in 4hours, you can email us at opploansLLC@gmail.com

    Names:
    Occupation:
    Loan Amount Needed:
    Loan Duration:
    Your Country:
    Mobile NO:
    Purpose Of Loan:
    Email Address:
    monthly income:
    Sex:
    Age:

    Opportunity Financial, LLC

    ReplyDelete
  31. We are able to finance your signatory
    projects and help you enhance your
    business plan. Furthermore, our
    financial instrument can be used for
    the purchase of goods from any
    manufacturer irrespective of their
    location. It can also serve as
    collateral with any bank in the world
    to secure loans for your project or to
    activate credit line to finance your
    business plan. We have {BG}, Standby
    Letter of Credit {SBLC}, Medium Term
    Notes {MTN}, Confirmable Bank Draft
    {CBD} as well as other financial
    instruments issued from AAA Rated bank
    such as HSBC Bank Hong Kong, HSBC Bank
    London, Deutsche Bank AG Frankfurt,
    Barclays Bank , Standard Chartered Bank
    and others on lease at the lowest
    available rates depending on the face
    value of the instrument needed.


    Email : nat.mandate18@gmail.com
    Skype : nat.mandate18@gmail.com


    Regards
    Nat

    ReplyDelete
  32. PREMIUM SBLC WITHOUT UPFRONT FEES

    We are ready and able and willing to deliver bank instruments in the form of BG/SBLC to your nominated bank coordinates.


    Kindly review the procedures and inform on your readiness to proceed.


    TRANSACTION DESCRIPTION:

    1. Instrument: Bank Guarantee (BG) Standby Letter of Credit (SBLC)

    2. Total Face Value: Client to inform us

    3. Issuing Bank: HSBC Bank/Barclays Bank UK.

    4. Age: One Year One Day

    5. Leasing Fee: 4+1 Selling Fee: 32+1

    6. Delivery: Bank to Bank Swift MT799 and/or MT760

    7. Payment: MT103

    8. Hard Copy: By Bank Bonded Courier within 5 banking days after delivery of Swift.]

    Email:mishraexclusivefinance@gmail.com


    Mishraf Nandan

    Skype ID:mishraexclusivefinance@gmail.com

    ReplyDelete
  33. We are able to finance your signatory
    projects and help you enhance your
    business plan. Furthermore, our
    financial instrument can be used for
    the purchase of goods from any
    manufacturer irrespective of their
    location. It can also serve as
    collateral with any bank in the world
    to secure loans for your project or to
    activate credit line to finance your
    business plan. We have {BG}, Standby
    Letter of Credit {SBLC}, Medium Term
    Notes {MTN}, Confirmable Bank Draft
    {CBD} as well as other financial
    instruments issued from AAA Rated bank
    such as HSBC Bank Hong Kong, HSBC Bank
    London, Deutsche Bank AG Frankfurt,
    Barclays Bank , Standard Chartered Bank
    and others on lease at the lowest
    available rates depending on the face
    value of the instrument needed.


    Email : nat.mandate18@gmail.com
    Skype : nat.mandate18@gmail.com


    Regards
    Nat

    ReplyDelete
  34. Finding a genuine provider of financial instrument is very challenging but we are certified Financial Instrument providers in United Kingdom. Presently, we only focus on BG/SBLC for Lease and Sale transactions. However, our Lease BG/SBLC is 6+2% and Sale at 40+2%.

    Should you find this interesting and acceptable? Kindly, contact us and we shall review and respond with draft Contract/MOU within 48hrs maximum.

    Please request for full procedure details if interested.

    For further inquiry contact:Wright James
    Skype:
    wrightjames931@gmail.com
    Emai:
    wrightjames931@gmail.com

    ReplyDelete

  35. We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project (s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffer driven offers.

    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

    The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,

    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
    2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
    3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
    6. Delivery: Bank to Bank swift.
    7. Payment: MT-103 or MT760
    8. Hard Copy: Bonded Courier within 7 banking days.

    We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct. wrightjames931@gmail.com

    Regards,
    Wright
    Skype;
    wrightjames931@gmail.com

    ReplyDelete
  36. We are able to finance your signatory
    projects and help you enhance your
    business plan. Furthermore, our
    financial instrument can be used for
    the purchase of goods from any
    manufacturer irrespective of their
    location. It can also serve as
    collateral with any bank in the world
    to secure loans for your project or to
    activate credit line to finance your
    business plan. We have {BG}, Standby
    Letter of Credit {SBLC}, Medium Term
    Notes {MTN}, Confirmable Bank Draft
    {CBD} as well as other financial
    instruments issued from AAA Rated bank
    such as HSBC Bank Hong Kong, HSBC Bank
    London, Deutsche Bank AG Frankfurt,
    Barclays Bank , Standard Chartered Bank
    and others on lease at the lowest
    available rates depending on the face
    value of the instrument needed.


    Email : nat.mandate18@gmail.com
    Skype : nat.mandate18@gmail.com


    Regards
    Nat

    ReplyDelete
  37. Finding a genuine provider of financial instrument is very challenging but we are certified Financial Instrument providers in Ireland. Presently, we only focus on BG/SBLC for Lease and Sale transactions. However, our Lease BG/SBLC is 4+2% and Sale at 32+2%. Should you find this interesting and acceptable? Kindly, contact us and we shall review and respond with draft Contract/MOU within 48hrs maximum. Please request for full procedure details if interested. For further inquiry contact:
    Name : Warren Gary
    E-mail : inquiry.barkerfinancial@gmail.com
    Skype id : inquiry.barkerfinancial@gmail.com

    ReplyDelete
  38. We Offer Secured Verifiable BG/SBLC Instruments
    We are specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.

    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

    The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760.

    DESCRIPTION OF INSTRUMENT:
    Instrument: Bank Guarantee (BG/SBLC).
    Total Face Value: Minimum of 1M Eur/USD (One Million Eur/USD) to Maximum of 5B Euro/USD(Five Billion Eur/USD).
    Issuing Bank: HSBC London, Barclays Bank, Deutsche Bank Frankfurt, Hong Kong, Any AA rated Bank in Europe or any Top 25 WEB.
    Age: One Year, One Day
    Leasing Price: 4% of Face Value plus 1% commission fees to brokers.
    Delivery: Bank to Bank SWIFT.
    Payment: MT-760.
    Hard Copy: Bonded Courier within 7 banking days.

    All relevant business information will be provided upon request plus our terms and
    procedures.

    Contact name: David Verney

    Email : davidverney18@gmail.com

    skype davidverney18@gmail.com



    GENERIC FINANCIAL MANAGEMENT PLC (Registered No 01911493)

    THE OLD CHURCH VERULAM ROAD ST. ALBANS HERTFORDSHIRE, AL3 4DH GB


    David Verney

    davidverney18@gmail.com

    ReplyDelete
  39. We are project funder as well as financial lender. We have BG/SBLC specifically for BUY/LEASE at a leasing price of 4%+2% of face value Issuance by HSBC London and many other 25 top AA rated Bank in Europe, Middle East or USA. We also secure funding. Also We are into the provision of short term and long term business/personal loans for both small and large scale business funds.

    * FOR LEASING OF BG/SBLC

    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M LEASING FEE = 4%+2%

    * FOR PURCHASE OF FRESH CUT BG/SBLC PRICE = 32%+2%

    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

    Name : Thomas Cronin
    E-mail : dpfinanciallimited@gmail.com
    Skype id : dpfinanciallimited@gmail.com

    ReplyDelete
  40. Témoignage d'un prêt véritablement acquis

    Bonsoir je m'appelle Marie-ena Pichon mon mari s'appelle Boris Chevrier et Je suis secrétaire dans une petite entreprise publicitaire et en ce moment je suis comme la plus heureuse de ce monde.
    Je viens en témoignage d'un prêt entre particulier que je viens de recevoir. J'ai reçu mon prêt grâce au service de Mme CHANTRENS JANIQUE LOUISE
    J'ai commencé les procédures avec elle un Vendredi matin et le soir a 72heures après j'ai reçu la confirmation que le virement du montant de ma demande de 100.000? m'a bien été envoyé sur mon compte et ayant consulté très tôt mon compte-en-banque, A ma grande surprise le virement est bien arrivé.
    J'ai enfin reçu satisfaction car c'est depuis bientôt 1 ans que je tournais en rond et que je me faisais arnaqué plus de 8 fois par des malfaiteurs.
    Je conseille vivement à tous mes proches et amis dans le besoin de contacter Mme CHANTRENS JANIQUE LOUISE et vous serai satisfait pour votre demande de Prêt.
    Elle saura vous aidez sans complication pour l'acquisition de vos demandes financières.
    Merci pour votre aide Mme CHANTRENS JANIQUE LOUISE.

    Voici son e-mail: chantrensjanique@gmail.com

    Je remercie infiniment le Seigneur qui m'a sauvée durant les deux chirurgies liées à mon accouchement, et a rétabli la fracture de mon bébé Prisca.

    Marie-ena Pichon

    ReplyDelete
  41. We are project funder as well as financial lender. We have BG/SBLC specifically for BUY/LEASE at a leasing price of 4%+2% of face value Issuance by HSBC London and many other 25 top AA rated Bank in Europe, Middle East or USA. We also secure funding. Also We are into the provision of short term and long term business/personal loans for both small and large scale business funds.

    * FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%

    * FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.
    Contact Name : Donagh sheridan
    Contact Email: donaghsheridan@gmail.com
    Skype:donaghsheridan@gmail.com

    ReplyDelete
  42. We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.

    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%

    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days
    renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on

    Email: inquiry.trustedfinance@gmail.com

    Name: GARVAN MAIREAD

    Whatsapp : +15137819374

    ReplyDelete
  43. Dear, Partner/Associate.
    I am a mandate to a Finance and Investment Company who is a premier provider of trade finance and project finance instruments as well as discountable bank instruments. We offer Genuine Bank Guarantees, Standby Letter of Credit, Pre Advice / RWA Messages, Documentary Letters of Credit, Bank Draft, Proof of Funds, Performance Bond, Medium Term Notes, and various SWIFT messaging services on lease and sale. We issue these instruments from prime banks, secondary banks, and financial institutions; and transmit SWIFT MT 760, MT 799, MT199, MT999 and other messages on behalf of our clients.
    We offer certifiable and verifiable bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions. Kindly contact for genuine inquiries and I can provider you with the needed information.
    For further details contact us with the below information....
    Thank you.

    Mr. Bradley Blake
    Email: bradleyblakesfinancialfundsplc@gmail.com
    Skype ID: bradleyblakesfinancialfundsplc@gmail.com
    ‪(404) 981-7563‬ 

    ReplyDelete
  44. We are project funder as well as financial lender. We have BG/SBLC specifically for BUY/LEASE at a leasing price of 4%+2% of face value Issuance by HSBC London and many other 25 top AA rated Bank in Europe, Middle East or USA. We also secure funding. Also We are into the provision of short term and long term business/personal loans for both small and large scale business funds.

    * FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%

    * FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Kindly contact us for our procedures and be sure that we shall respond within 48hrs maximum.

    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.
    Contact Name : Blaine Lorcan
    Contact Email: blainelorcan@gmail.com
    Skype:blainelorcan@gmail.com
    WhatsApp: +1(501)420-4128

    ReplyDelete
  45. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
    AT THE BEST RATES AVAILABLE

    We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.

    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%

    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days

    Name : Scott james

    Email : Inquiry.securedfunding@gmail.com
    Skype: Inquiry.securedfunding@gmail.com

    ReplyDelete
  46. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
    AT THE BEST RATES AVAILABLE

    We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.

    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%

    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days

    Name : Elvis roberts

    Email : Inquiry.jmfinance@gmail.com

    Skype : Inquiry.jmfinance@gmail.com

    WHATSAPP NO : +1(909)375-0798

    ReplyDelete
  47. (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
    Dear Sir/Ma,
    We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.
    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%
    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    Our BG/SBLC Financing can help you get your project funded,
    loan financing by providing you with yearly.
    RWA ready to close leasing with any interested client in few banking days
    I will be glad to share with you our working procedures.
    Name : Scott james
    Email : inquiry.securedfunding@gmail.com
    Skype : Inquiry.securedfunding@gmail.com

    ReplyDelete
  48. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
    Dear Sir/Ma,
    We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.
    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%
    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    Our BG/SBLC Financing can help you get your project funded,
    loan financing by providing you with yearly.
    RWA ready to close leasing with any interested client in few banking days
    I will be glad to share with you our working procedures.
    Name : Scott james
    Email : inquiry.securedfunding@gmail.com
    Skype : Inquiry.securedfunding@gmail.com

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

    {Dr.Benjamin Scarlet Owen} can also help you with a legit loan offer. He Has also helped some other colleagues of mine. If you need a genuine loan without cost/stress he his the right loan lender to wipe away your financial problems and crisis today. BENJAMIN LOAN FINANCE holds all of the information about how to obtain money quickly and painlessly via WhatsApp +19292227023 Email drbenjaminfinance@gmail.com

    ReplyDelete


  50. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
    AT THE BEST RATES AVAILABLE

    We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions.

    FOR LEASING OF BG/SBLC

    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1MLEASING FEE = 4%+2%
    FOR PURCHASE OF FRESH CUT BG/SBLC PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days

    Name :karen perry

    Email :karenperry830@gmail.com
    Skype: karenperry830@gmail.com

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  51. Hello,
    Sawda Capital is offering personal and corporate loans to individuals and companies at a very low interest rate. We understand that covid-19 pandemic affected everyone and businesses, therefore we offer loans at a very low interest rate to anyone who is interested.
    BENEFITS:
    Flexible repayment options.
    Loan amount ranges from $3000 to $1 billion
    Interest rates starting from 2.99% onward. (T & C Apply)
    Interested applicants should contact Sawda Capital with the email here enclosed (sawda.finance@gmail.com).

    Thanks

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