Friday, March 27, 2015

Financial Freedom

Not surprisingly, most of my recent blog posts have been about my recent diagnosis of terminal cancer and all of the challenges and all of the support I have received since that announcement.  Today, I'd like to share something that is not directly related to my medical status, but something that has not only made it possible for me to spend my remaining time enjoying life and making memories with my family, but also feeling completely comfortable about how my family will manage financially when I am gone.

If you have spent much time with me, you know that I really have three passions.  In no particular order they are software, personal finance, and Purdue.  If I hadn't graduated from college with a Computer Science degree just as the world wide web was born, I very likely would have pursued a career related to personal finance.  While my early influence on the subject came from my father (he bought me 10 shares of Novell as a graduation gift along with a subscription to the Wall Street Journal), my real education came from a nationally syndicated radio host named Clark Howard.  For those of you unfamiliar with Clark, he is a consumer advocate and personal finance guru that hosts a daily radio show for over 20 years helping people save more, spend less, and avoid getting ripped off.  The thing I respected most about Clark is that he has never taken money to endorse a product or company (if you know anything about how radio works, you realize that he is leaving millions of dollars on the table in advertising, but that's the price of credibility and independence).  But, that also means that his opinions are not bought and paid for.  Only in the past several years have I realized that the vast majority of financial advice is not intended to benefit the investor quite as much as it is the advisor/broker/salesperson/company providing the advice.

Recently I was able to checkoff one of my bucket list items by meeting Clark in person.  I had been in contact with his Exective Producer, Christa DiBiase, via email and she extended an invitation for me to come in for a tour and spend the day with the Clark Howard Show team attending an actual broadcast.  It was an incredible experience that I will never forget.  The highlight for me was Christa's suggestion that Clark actually interview me about how following his advice over the years has made such a difference in my life and that of my family.  You can listen to my entire interview (which aired 3/13/2015) just by clicking this link.

Clark asked me during the interview the 3-4 financial moves I made that have had the most dramatic impact on my life.  But since I've been listening to Clark for 10 years, I realized that it would be interesting for me to collect the dozens of pieces of wisdom I have collected from the show and implemented over that period and share them in a blog post (along with a few I picked up from Dave Ramsey and a few I figured out for myself).  I'm sure that some of these will be controversial to some people, but I suspect that with a list this long no two people on the planet would agree on everything.  I categorized the advice into sections, but I colored the most important elements in red (for those of you who prefer to browse rather than read).  I hope they are as useful to others as they have to me.

The Basics (If you read nothing else, read this section.)

  • Act Your Wage 
    • Live on less than you earn.  I know this sounds trite, but it is truly that simple.  While this may be unrealistic for those near the lowest rung of the income ladder, it shouldn't be a problem for anyone making a median wage.  I know far too many people who make over 6 figures and still live paycheck to paycheck.  Keep reading to learn how!
  • Eliminate Debt 
    • If you have any debts that accrue interest above 5% use the extra money at the end of each month (from Acting your Wage) to eliminate these debts first (usually credit cards).  Don't worry about mortgage debt or auto loans that are small and manageable with low interest rates for less than four years.  Pay those off as agreed.
  • Emergency Fund 
    • Once the debts are paid off, with the extra money that you have at the end of each month by "Acting your Wage" start by saving up 6 months of basic living expenses which you keep in a separate bank savings account.  This money is not to be borrowed for vacations or purchasing a boat or any other purpose.  It is for emergencies only (e.g. extended unemployment, medical issue, critical car repair, or any other unexepected emergency!
  • The Next Dollar 
    • Once you have built your emergency fund up to the 6 months of living expenses you can now redirect your monthly surplus to other saving and investing opportunities.  The key is to build a plan for each "next dollar".  That is "if I had one more dollar saved, how would I use it?"  Typically, you will want to save/invest for retirement first and if you have children, a 529 college savings plan next (your kids can always borrow for school, but you cannot borrow for retirement so max your retirement options first).  Both have great tax advantages.  Here is my personal "next dollar" investment list : Roth401k, Roth IRA, Georgia 529 College Savings Plan, taxable investment account with Vanguard (all index funds).
  • Saving vs Investing 
    • If you have extra income and are trying to decide what to do with it, you need to understand whether than money is intended to be used within the next 5 years.  If the answer is yes, then you should be saving that money in a bank account or CDs.  If the answer is no, then you can look at investing that money to make it grow (see Investing section below).
  • Mint.com 
    • An amazing tool available via web as well as apps for phone/tablet.  It provides a single view of your entire financial life.  Current balances for all banking, investing, credit cards, retirement, and every other account you may have along with detailed transaction logs for all of those accounts.  Best of all, it uses crowd-sourced intelligence to automatically categorize your purchases based on the merchant.  For example, if 90% of people categorized purchases at Starbucks as "Coffee" then it will default your purchase in the "Coffee" category.  You can easily see what you spend and how/where you spend it.  It also has budgeting and has recently added online billpay.  Best of all, it requires almost no manual effort because it does almost everything automatically (stop using cash and use debt card to increase automation).  Oh, and it's FREE!  You can't manage what you can't measure; so sign up for Mint.com today.  Tip: Combine Groceries & Household into one Mint category to simplify categorization so that you don't need to split out how much you spent on detergent vs milk for example.
  • Transaction Review 
    • ALWAYS review your transactions in Mint.com to look for anything suspicious.  This used to be a pain but with Mint.com providing a single list with all of my transactions across all credit cards, checks, ATMs, debit cards, etc. it's quite easy (takes 5 mins/week).  You have only 60 days to contest invalid credit card charges with your card provider.  My wife and I once gave someone a $26,000 Christmas present on our American Express without our knowledge.  That was easy to spot, but what if someone is just milking you for $30/month and you never notice.  
  • Budget Spreadsheet 
    • Have a budget spreadsheet based on your mint.com data for planning (here's what I use).  And review the budget from last year comparing it with the actual spending from Mint.com at the beginning of the following year.  Adjust budget as necessary.
  • Spending Limit
    • Agree with your spouse to NEVER spend over $X without discussing it first and NEVER spend it before 24 hours have passed (typical buyers remorse timeframe)

Banking

  • Item-Specific Savings Accounts 
    • CapitalOne360 (formerly INGdirect) allows you to create unlimited checking/savings accounts with no extra fees.  This makes it extremely useful for creating savings for something specific (vacation, car, etc.) and track your progress independently of your other savings.  This is also very useful for accruing money to pay for recurring expenses that only happen every X years (e.g. house painting).
  • AVOID Checks 
    • They are the most dangerous way to pay for anything!  You have just shared your routing number and account number with anyone who sees that check.  I could present your bank with an electronic draft and empty your checking/savings account tomorrow with just that information.  Use your credit card or debit card instead.
  • AVOID Monster Megabanks (Bank of America, Citi, Chase, Wells Fargo) 
  • Un-banked
    • Millions of people in the U.S. do not have checking accounts.  Today, many banks require you to have a certain credit score to get a checking account (even if you aren't asking for any credit)!  Without a checking account you cannot do many things in our digital money culture (e.g. direct deposit, depositing checks with smartphone, etc.).  The best alternative is provided by American Express and sold exclusively through Wal-Mart.  It is called BlueBird and it provides almost all of the features of a checking account and has VERY low fees.

Insurance

  • Portable Level Term Life Insurance 
    • Each spouse needs to consider what their income needs would be if their current partner were to die unexpectedly.  Generally, I recommend 10x the annual earnings of the person who is being insured.  You want separate policies for each spouse.  Also, don't rely purely on an employer-sponsored plan for your health insurance.  What happens if you were to develop a terminal illness and then need to quit your job?  Some employer-provided term life insurance policies are portable (meaning that you can continue the policy after you leave if you are willing to pay the full cost of the premiums).  If you have an employer-sponsored policy, find out if it's portable.  Make sure your policies are LEVEL (your premiums do not go up) and TERM (death benefit only, no investment vehicle).
  • Disability Insurance 
    • You are 4x more likely to become disabled during your working lifetime than to die during your working lifetime.  However, few people spend the money for disability insurance.  Disability insurance typically comes in two flavors : Short term and Long term.  As you might expect, the short term provides benefits for you for a short period of absence from work (e.g. 6 weeks) and is not as important if you have a fully-funded 6-month emergency fund.  The Long Term Disability policy generally provides you a paycheck (often between 50% and 66% of your pre-disability income) if you are disabled for a longer period of time (up to the point you can return to work, you retire, or you die).  BUY THIS!
  • AVOID Variable Universal Life 
    • Extremely high fees and commissions for the salesperson.  Awful track record for consumers.  note: Unless you are making over $350K/year in taxable income you should not be looking at ANY insurance product as an investment.  The supposed tax benefits for everyone below that threshold do NOT work out in your favor.
  • AVOID Return of Premium Life Insurance 
    • Again, this is just another way for the insurer to collect more money from you and hope that you opt-out of the policy and they get to keep the extra premiums.  Just get simple LEVEL TERM life insurance.  Nothing more.
  • AVOID Annuities 
    • Annuity is a curse word on the Clark Howard Show because they have extremely high fees and commissions for the salesperson and are generally awful for the consumer who purchases them.  There are only 2 types of annuities that are EVER appropriate and they are called "Immediate Payout Annuities" or "Lifetime Annuities" and you should ONLY consider those options under the careful guidance of an independent hourly-paid financial advisor from the Garrett Planning Network (See Investing -> Financial Advisors).
  • Amica Mutual Insurance 
    • Highest rated insurer for customer satisfaction on Auto and Home insurance.  They aren't the absolute cheapest, but the point of insurance is to have them step up when you need them.  They are an actual mutual company that works like a co-op and sends me a check at the end of each year that represents my portion of the profit they made.

Investing

  • Financial Advisors
  • Tax Advantaged and/or Tax Free Investing
    • Employer Matches for 401K/Roth401K (FREE MONEY!)
    • Regular & Roth retirement accounts (401K/IRA/etc.)
    • 529 College Savings Plans
    • If the primary provider works full time and the household can operate on that single income.  The spouse can work part time and make just enough to cover maxing out a 401K. It makes a HUGE impact on retirement savings. My wife worked part time for 10 years and has allocated 100% of her income to her 401K. 
  • Index Funds 
    • Index funds are were the genius idea from the founder of Vanguard, John Bogle.  He realized that the sophisticated mutual fund managers who bought/sold stocks within a mutual fund on behalf of the fund's investors weren't very successful at it.  And worse, they charged the investors a heavy management and commission fee to invest in the fund.  Index funds eliminate the human element and they just mimick the performance of an index like the S&P 500.  This means that they tend to have MUCH lower management fees and much less turnover (amount of stock/bonds bought/sold inside a fund) than traditional mutual funds which benefits investors over time. 
  • Targeted Retirement Funds 
    • For the average investor, trying to determine the appropriate investments in their 401k or IRA is incredibly difficult.  Each account may have limitations on what investments they have to choose from.  However, a new type of mutual fund has been created that is based purely on the year that the person wishes to retire.  The fund slowly migrates the investments from more aggressive to more conservative as that year approaches which eliminates the need for constant rebalancing.  Look for targeted retirement fund options in your 401K and IRA especially ones with very low fees (e.g. Vanguard 2040 fees = 0.18%).
  • AVOID Precious Metals 
    • Buying precious metals as a "hedge" is a joke.  The only people who think it's a good idea are the people who are selling them to you or has a vested interest in you buying them.  There is a reason that this is sold on late-night TV alongside the ShamWow!
  • AVOID Beating the Market 
    • Trying to beat the market is a fool's game (the pros can't do it either).  If the "financial advisor" in the strip mall on the corner could actually consistently beat the market (for his clients or himself) he wouldn't be in a strip mall on the corner.  He would be on his own private island.  It's just like Vegas.  At any given time a certain number of the investors/advisors are ahead of the casino and they look like they are geniuses, especially those who are up over a 3 day stretch.  But in the long term, nobody beats the house unless they are cheating, and that will get you locked up.  Highlighting this fund or that stock (like Jim Cramer) is simply calling out the names of those who are currently ahead of the house.  It's not genius, it's entertainment.  Don't fall for it.  Read John Bogle's (Vanguard founder) books on the subject and save yourself (e.g. Don't Count on It!).  You can make lots of money over time just matching the market with index funds; you don't have to beat it!
  • AVOID Complex Financial Instruments 
    • If you cannot fully explain the investment in 5 minutes to an 18 year old and have them repeat it back to you accurately, then it has been engineered specifically to screw you in ways that the regulators have not yet been able to stop.  Your goal is to make money, not to make your investment strategy as complex as possible. Think Credit Default Swaps in 2008 ;)

Debt and Credit

  • Financial Peace University 
    • If you are deep in debt and need a path out, do NOT call one of those late night debt consolidation TV ads.  Sign up for Dave Ramsey's Financial Peace University and follow his "baby steps" program.  There is no better step by step guide on the planet that is better designed and has had more success than this.  If you can't scrape together the fee then start by borrowing from the library his book "The Total Money Makeover" for inspiration until you can attend his class or purchase his DVDs.
  • Freeze Your Credit 
    • Identity theft is rampant and you are at risk.  The most common form of identity theft is where someone applies for credit in your name (e.g. store credit, credit cards, etc.)  You can stop this from happening with 15 minutes of effort and between $0 and $30.  Just freeze your credit with each of the 3 credit bureaus.  Each credit bureau will give you a PIN number that you can use to temporarily unfreeze your credit when you wish to apply for a loan or need a credit score pulled.  Works much like an ATM pin.  Do it now! 
  • Credit Cards as First Payment Option  
    • Credit cards offer the best consumer protections of any payment type including a maximum liability of $50 for consumer cards (business cards are different).  If you can't get a credit card use a check card if necessary (but only if you get to swipe it and it never leaves your site because if someone steals from your check card the money is already gone from your account).  Avoid using cash so that Mint.com can automatically categorize your spending for you.  Also, get a credit card that gives you the best rewards by checking out Credit Card TuneUp.  Obviously, ONLY use this advice if you have the self-discipline to pay off your credit cards EVERY month (no exceptions).  My old primary credit card was Delta Skymiles Amex (when I was a frequent flier), but I now use a 2% unlimited cashback credit card to get the most out of my purchasing.
  • REFINANCE YOUR MORTGAGE!  
    • You will likely never see rates this low again in your lifetime.  And try to get a 15 or 10 year mortgage because the rates will be lower and you will pay less interest on your house over time.  If you can't afford the house on a 15 year mortgage at 3-4% then you cannot afford that house anyway.  AVOID PMI (private mortgage insurance) by paying 20% down or doing an 80-10-10.
  • Disposable Credit Card Numbers
    • Get a credit card that offers disposable temporary credit card numbers that can be authorized for a single purchase.  Great for paying a merchant you do not trust or a merchant that might try to continue billing you monthly for something you wanted one time.  Amex used to offer this called Private Payments.  Call your credit card companies to see if any offer it.  If not, get one that does.
  • Avoid Debt (some debt is worse than others)
    • Exceptions for mortgages, education, and possibly your very first car (future cars should be purchased pre-owned with cash whenever possible)
    • Especially avoid revolving debt like credit cards
    • Worst possible debt is payday loans and title loans (ridiculous interest rates!)
    • AVOID taking out private student loans.  Their lobbyists have written laws that are truly outrageous that make them incredibly toxic.  Stafford loans and PLUS loans are the way to go.
  • AVOID Credit Monitoring 
    • Complete waste of money (e.g. LifeLock).  Use credit freeze instead (see above).  

Automobiles

  • Pre-Owned
    • Look at the depreciation rate of automobiles and you will notice that in the first 3 years the value drops like a rock, and then it levels off.  Purchasing a 3 year old vehicle that has already incurred the drop in price but still drives like new is the sweet spot of value.  I've never owned a new car in my life, but a $300 detailing job on my pre-owned car makes it smell/feel brand new!  Be sure to take the car to an independent mechanic for an inspection before the sale is final.  You don't want surprises! 
  • Carmax
    • I used to do consulting for Carmax and I must admit that I really respect their business model.  They have eliminated the haggling from the automobile purchasing process.  They have also separated the trade-in transaction so that you can be sure that you are not getting a great price on the car, only to get screwed on the trade-in value (a common tactic among car dealers).  They only sell vehicles which meet strict requirements (age, mileage, repairs, etc) and sell off any trade-ins that do not meet those criteria in a wholesale auto auction (to the other used car dealerships in the area).  Carmax is not the way to get the absolute top dollar for your trade-in nor to get the absolute lowest price for your automobile.  However, it is a place I trust that I will not get ripped off...and that's really what most people are looking for.
  • AVOID Car Leases
    • Understand what a lease is.  The leasing company is calculating how much the car is worth today and then subtracting how much they estimate the car to be worth when your lease is up (e.g. 3 years).  That is the amount of depreciation in the vehicle during your lease.  They then loan you the money for the depreciation amount at a certain interest rate.  You are paying for the most expensive years of depreciation (years 1-3) and you are taking out a loan to pay on that depreciation on top of it!  Buy used with cash!
  • Rental Cars
    • Always take pictures with your smartphone of any damage on a rental car before driving off the lot with your rental car.  The pictures are timestamped and provide evidence when a rental car company tries to screw you (Fox Car Rental...I thank you for proving this point for me in San Francisco).
  • AVOID Buying insurance and Extras 
    • ...at the car rental counter.  Know your own coverages from your existing insurer and be sure to use a credit card when paying because they often provide insurance coverages.  I use American Express for all of my rentals.
  • Financing
    • If you do finance a car, be sure to line up your financing at a local bank or credit union BEFORE you head to the dealership.  If the dealer can beat your deal then great, but usually the dealer will have more expensive interest rates.
    • Never finance an automobile for more than 48 months.  If you cannot make the payments for a 48 month or less finance plan, then you cannot afford that car.
    • If you can avoid financing and pay cash, then drive that car until it chokes.  I haven't had a car payment in over a decade and I really don't miss it at all!

Shopping

  • ConsumerReports.com 
    • Available online and on your smartphone.  Make smart purchases while you are still in the store by looking up the reliability and value of your purchases before you buy.
  • Return Policies
    • ALWAYS know the return policy BEFORE purchasing ANYTHING!  Simple, but amazing how easily you can get ripped off.  I once paid a $870 restocking fee for returning something one day late (caused by the fact that they listed the wrong email address on their website for initiating a return).  Lesson learned the hard way.
  • AVOID Contracts 
    • Cable/satellite, mobile phones, gyms, home security, etc.  If you don't have the ability to walk away on a month's notice, they have no incentive to provide the service you expect.  All of these can be done on a month-to-month basis.
  • Costco, Sams Club, BJs Wholesale
    • Just do it!  All of them will save you money if you are self-disciplined.  Costco is my favorite because it has a maximum markup of 16% on all products/services!  And even if you are NOT a Costco member you can save LOTS of money buying your prescriptions from them (no membership required).  
  • Online Travel Deals
    • Kayak.com, Priceline.com, and Hotwire.com are your best travel deal sites.  Try Kayak's price alerts (you have to sign up for a free Kayak.com account) if you have a desire to go somewhere specific but are flexible on timing.  Also checkout Kayak's Explore feature if you want to get away but haven't chosen somewhere to go yet.  Hotwire is a great place to find cheap rental cars.  And Priceline is obviously the king of the online travel bidding sites (submit several bids over a period of days to maximize your savings).
  • Mobile Phones and Service 
    • The U.S. mobile phone and mobile service markets are undergoing a complete transformation.  The old model was to sign a 2-year contract with one of the big providers (Verizon, AT&T, Sprint, T-Mobile) and have them subsidize the cost of your new mobile phone by overcharging you for your monthly service.  They protected themselves from losses by instituting an early termination fee which basically paid for the phone if you decided to leave your carrier early.  Now, the market has changed and most people signing up for mobile phone service are NOT signing contracts and instead paying month-to-month.  This means that they are typcially paying the full-freight cost of their cellphones as well.
    • The big 4 mobile phone carriers in the U.S. resell their service through companies like Cricket, MetroPCS, Boost Mobile, etc.  These companies are called MVNOs and many can save you lots of money.  The most expensive carrier today is Verizon, followed by AT&T, and then Sprint & T-Mobile.  All resell through MVNOs but many (like Verizon) do not offer their 4G/LTE data speeds to their resellers.
    • My favorite service today is called Republic Wireless.  It runs on Sprint's network and it has a nifty feature that it uses your local wifi connection instead of a cellphone tower whenever possible.  This means that when I am at home or at work I get an excellent signal always.  Republic saves money by not using as much cellular bandwidth and pushes those savings back to the consumer.  The only downside is that it requires me to buy a Republic Wireless phone.  Luckily, they have some great Motorola models!
  • Craigslist and Ebay
    • Learn them and use them.  They can save you thousands!
    • AVOID Paying for anything on Ebay or Craigslist with Western Union funds or GreenPack money.  Huge red flags that these are scammers.
  • Generics 
    • Try the generic/store-brand of every item in your grocery cart once.  If you can't tell the difference, start buying the generic.  If you don't like the generic/store-brand, then don't buy it again.  Over time this saves thousands.
  • Segmentation
    • Most products are created and priced by marketing departments who are trying to segment their market for maximum profits (I've participated in many such meetings myself in my career).  You may see the same item in many different "grades".  Typically the top grade is price purely for fools who have more money than sense (obviously avoid).  The lowest grade is priced purely to get you in the door and as a result the product has been hobbled/cheapened so badly that it isn't worth your money.  Look at one step up from the lowest grade.  That is typically the sweet spot of price/value.
  • Margin
    • Understand the average margin of the product you are purchasing.  The greater that margin, the more room for negotiation.  Extremely high margin items are furniture and jewelry.  If you want to understand the margin on a piece of jewelry, tell the jeweler that you really want this piece for your spouse and you are willing to pay cash as long as you can have a 24 hour refund policy in case she doesn't want/like it (get it in writing).  Then walk over to another jeweler and ask him/her what he/she will give you for that item.  Of course, then go get your money back.  Or just purchase your jewelry at Costco and you are assured that you are never paying more than 16% markup!
  • Patience
    • Deals come to those who are patient.  And the lazy will always pay top dollar.
    • When shopping online, put things in your cart and wait a few days.  Merchants are very aware of their browse/buy ratio.  You will often receive an email coupon for one or more of those specific items within a few days.  It will seem like great luck, but it's not luck.  They are trying to "save" the sale and you benefit.
  • Amazon Prime 
    • Worth every penny!  2-day free shipping and unlimited movie/tv streaming included (like Netflix) !
  • AVOID Debit Holds
    • Never use a debit card at a gas station or hotel (they put a huge hold on your cash for days which can cause you to bounce checks)
  • AVOID extended warranties 

Odds and Ends

  • Wills 
    • If you have kids you need a will.  If you or your spouse were previously married (and especially if either of you have kids from that marriage) you need a will.  Wills are more expensive as they get more complex.  It's painful to spend thousands of dollars on something that you don't want to think about.  But bite the bullet.  Spend the money.  Secure your family's future by ensuring that your final wishes are well-defined.
  • Free Credit Report 
    • Get a free copy of your own credit report at AnnualCreditReport.com (NOT freecreditreport.com) and check it for errors.  You are eligible for one each year from each of the 3 credit bureaus so you can get one every 4 months as you rotate through Experian, TransUnion, and Equifax.  Also, apply for a credit card from a company who provides you your FICO credit score for free each month (my Citibank Mastercard does this, I believe Discover does too).
  • Home Telephone
    • It's really not necessary for most people these days.  However, if you really want a home telephone and you have high-speed internet access consider Ooma.  It's basic service is free for life and it's enhanced service is less than $4/month.  One time purchase.  I love it and it powers all of the phones in our house.  It even integrates with Google Voice.
  • WiFi Mobile Phones & International Travel
    • When travelling internationally purchase wifi in the hotel and set your smartphone in airplane mode.  Then enable wifi on your phone and use GrooveIP and Google Voice to make/recieve calls over wifi.  Some phones can do this without GrooveIP and Google Voice (e.g. Republic Wireless).  Also, download the google maps for your area into your phone while you are in the room and then turn on GPS.  You will be able to navigate and use ZERO roaming data!
  • Compensation
    • ALWAYS understand exactly how anyone providing you service, products, or advice get compensated.  If you fail to know this you are automatically at a disadvantage and will likely end up getting taken advantage of.  Wonder how your financial advisor is providing all of this advice for free?  If you don't know the difference between A-shares, B-shares, and C-shares, you are the one losing.
  • Sending Cash
    • If you need to send cash to someone quickly and cheaply check out Wal-Mart money center.  You can send up to $900 for just $9 from any Wal-Mart to any other Wal-Mart.  That's 1%.  Moneygram, Western Union, and all of the other services are complete ripoffs by comparison.
  • AVOID High Pressure Sales Pitches
    • Any pitch that includes "today only!" is a good clue.  Think about it.  If I walked in with cash tomorrow and the salesperson would refuse it then he is an idiot.  If I am not willing to wait 24 hrs to hand over that amount of cash, then I'm an idiot.  The most common of these are timeshares and buying clubs.
  • AVOID Timeshares 
    • The market for timeshares is completely broken.  Most of the cannot be given away for free!  The price of the timeshare is almost completely absorbed by the marketing costs and sales commissions.  Avoid like the bubonic plague!
  • AVOID Monthlies 
    • Review every monthly bill you pay.  Do you really need that Hulu subscription?  What about those magazines?  XM-Sirius radio?  A lot of times we just keep paying for subscriptions to things we no longer really use.  Looks at what monthlies can be replaced by one-time purchases (e.g. replace Vonage with Ooma or replace cable with an HD antenna).
  • AVOID Telephone Solicitation
    • Never give any money to anyone who calls you on the phone out of the blue.  You have absolutely no idea whether this person is who they claim to be from the organization they claim to be.  Caller ID can be easily spoofed so don't think that this provides evidence of the caller's identity.  If you want to contribute, have them send you info through the mail.
  • Online BillPay 
    • Use online billpay and automate as much of your bill paying administrivia as possible!  I used to use Bank of America for this, but I am closing my BofA account and moving my billpay to Mint.com so that I can easily switch banks anytime with no interruption to this important service.
If you have made it all the way down here to the bottom I must admit I'm impressed.  I've applied every single one of these pieces of advice in my own financial life, but I was able to accrue them over the course of a decade of listening to Clark.  I doubt anyone would be crazy enough to follow me down the rather dramatic path I have taken to put my family in our current financial position, but for me it was actually kind of fun.  Finding little ways to make each dollar more efficient at providing for our family was a challenge that I enjoyed.  As you may have noticed, a lot of the tips are about what not to do or buy.  Avoiding financial mis-steps is just as important as making your investment choices.  I hope that some of you found some things in this list that will help you to make your money work harder for you and avoid some of the same financial traps.  And one more thank you to the Clark Howard team who was responsible for teaching me the vast majority of the wisdom and advice in this article.







138 comments:

Anonymous said...

Thank you for putting this all together. I appreciate your efforts. Best wishes to you and yours.

Anonymous said...

WOW! and Thank You! I am already applying some of your points, but what you have laid out for me is a life plan that can work if I will only work it! again....Thank You and may many prayers surround you with love.

Anonymous said...

As a married woman in my late 20's, I really appreciate reading this post. I already do some of these things, but you provided a wonderful list of additional resources that I am going to add to my daily financial life. Thank you-and praying for peace and comfort during a difficult journey for you.

Anonymous said...

I too am a follower of Clark Howard and the many lessons of Dave Ramsey . Thanks for sharing.

Anonymous said...

Thank you so much for this helpful info!! I am a 47 yr old widow, two kids and a lot to manage for my family!! I appreciate all of your time that you put into this work!! All the best and peace to you and your family.

Anonymous said...

It's reassuring to know that I am doing many of these right and encouraging to look into doing the others correctly.
Wishing you a miracle...they do happen.
Thank you so much for sharing.

Anonymous said...

You are right on point with your advice. Thank you for caring enough about others to share this information. Let's hope people will heed this valuable advice. May God bless you and keep you.

Anonymous said...

Wow. You are amazing. Good luck to your family.

Anonymous said...

Thanks so much for the info. Am using some of your advise now with credit reports & use of credit cards! Hope your battle for life is extended!!

Anonymous said...

Thank you for putting this together and for sharing it. I only wish I had read it fifty or sixty years ago instead of learning from bad experiences. Fortunately there were several things in your financial advice that I can use in the future. The only thing I would add to your advice would be to warn those approaching retirement about the Medicare "donut hole" and how to avoid it with a Medicare Advantage plan.... Provided that congress doesn't destroy them.
I sincerely hope that you prove the doctors wrong.

Anonymous said...

Thank you. What a gift you have given people. I too, have been an avid fan of Clark Howard and Dave Ramsey. Super points you have made. God bless!

Anonymous said...

Bravo! Great news that your hard work has truly provided 'financial freedom' for you and your family...legacy planning at its finest. I know your loved ones are proud of you. As for me, I've book marked your blog. Thanks!

Al Sargent said...

Wonderful post Matt! Putting this into my Evernote and will share this with my kids. Yet another way you'll have positively impacted this world long into the future. Best, Al

Matthew Quinlan said...

Good point about the Medicare donut hole, but since I haven't actually experienced it I couldn't include it in this list (I included only things that I've personally implemented in my own life). Thanks for the comment!

randy.macblane said...

Nice to hear from you Matt. This all being a bit of a fascination for me as well, I nodded my head "yes, yes, yes, ..." for almost all of it. A few good points here I hadn't implemented I plan to followup on. Most of all nice to see the Quinlan energy and enthusiasm displayed, keep it up buddy.

Scott Deeg said...

This is great Matt! Amazing of you to have taken the time to share. I'd say your 4th passion is obviously helping others!

Erica Daniels said...

HOW I GOT RICH VIA BLANK ATM CARD!!!!!!!!!!!!
Hello everyone am ERICA DANIELS from USA am using this medium to announce to the world and those in need of financial stability to look no further but contact diamondblankatmhackers@outlook.com, who helped me with the card in less than 1 week after being scammed of my money by others and yet no card, SEIZE this opportunity and get rich in no time. There are no hidden charges and they deal on transparency basis.
AS this card has been designed and programmed to withdraw at least $50,000 on a monthly basis, without been detected or traced by any means.
I am forever grateful to DIAMOND atm hackers for changing my life a whole new. Contact via email on diamondblankatmhackers@outlook.com

jeremy said...

Hello everyone, i am Jeremy Collins from UK, am using this medium to announce to the world and those in need of financial stability to look no further but contact skytechblankatmhackers@outlook.com , who helped me to meet up with my financial needs through the blank card. I have tried getting the card through various means, but I never got the card, until my friend introduced me to Skytech Atmhackers, my life has never been the same.
I never thought the blank card was real, until i got it through Skytech Atmhackers.
Kindly contact skytechblankatmhackers@outlook.com for more inquiry

Revinia Curry said...



I was so confused and into severe poverty about a month ago. I was just going through some blog online when i met a testimony of this BLANK ATM CARD made by H.A.C TECH of:{hackedcredit.atmcards.net@gmail.com}. I contacted that very address and i got one at an imaginable rate.(compared to what the card carries,the rate is minimal) At first i thought,it was gonna be some scam or something. But when i got the card i could get nothing less that $5,000 in a day. (two thousand usd). Here is the testimony i saw; “Its the programmed ATM card that can hack into all ATM machines. Its works with any currency and in any country where you might be living. Its is programmed in a way that when transaction is carried out with the card ,it can’t be traced. To make use of this card ,you need no account number or even pin of anyone. Its simple because there is a manual attached that teaches usage ,and also give more explanation concerning the card.” So friends,its the year is coming to an end and this is the great opportunity to become rich and start a good life in new year 2016 and a new beginning. If you need funds to start up some business,pay up bills and loans or money to live a good life? Then you have to make this opportunity yours. Though is illegal as you and i know ,but since government can’t satisfy my whole needs i have to do what i have to do,to get what i want and for my family to be happy..Though this post is not for everybody,but for those who truly need change from a poor state to a wealthy life. A way to say happy new year to you and you out there. Email address once more is {hackedcredit.atmcards.net@gmail.com}

Roland pual said...

A fast way of becoming rich within a few seconds is hacking an ATM machines with a blank card.. BE SMART AND BECOME RICH IN LESS THAN 3 DAYS. For more information on this, Email at marisaatmhacker@gmail.com . Our aim is to help others become rich..

Benitha Chris said...

I am a living testimony of change. I can safely say that i have been blessed and my life transformed from being just a company attendant to a business owner all in the space of 1 month after i got the BLANK ATM CARD from STARTECHBLANKATMHACKERS@OUTLOOK.COM
I did try to purchase this card earlier but it never came until i meet star tech and the card was delivered o me in less than 5 days as earlier told. I am using this media to reach out to the world for those who got plans to go bigger and better in life to contact this agency asap for certified and trusted services.

helen panel said...

Opportunity they say comes but once and i am glad to have made such a bold
step which today has taken me to a level where i am above lack. On a
faithful day while on a blog i read about ATM hacks and underneath i saw
comments of how to get this card and become rich. What really caught my
attention was a comment i read about STAR TECH and thereafter i sent a mail
to the address provided via startechblankatmhackers@outllook.com and i
inquired about this card and its delivery.
Adequately as promised this card arrived at my address in less than 6
working days and its effectiveness is something you should see yourself the
reason i am here to also help someone change his/her life situation for the
better. If you are in need of this card seek no further but contact
startechblankatmhackers@outlook.com for trusted and qualified services.

Amina Lahm said...

BE SMART AND BECOME RICH IN LESS THAN 3DAYS…It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I can say I’m rich and I can never be poor again. The least money I get in a day with it is about $50,000.(fifty thousand USD) and i only spent 300$ to get the card.Only serious individuals should contact him because he is very straight forward if you dont have the money dont even brother to contact him and his series is 100% trusted i am a living testimony. Every now and then I keeping pumping money into my account. Though is illegal,there is no risk of being caught ,because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTVs to detect you..For details on how to get yours today, email Mr James on : bestatmhack01@gmail.com or +2348141593363 tell your loved once too, and start to live large. That’s the simple ..

Brith Snow said...

We are a professional hacking group and we have come with an amazing BLANK ATM hacking services.
Do you need extra money or quick money to finance a project, change your car, build a house or go on that expensive vacation you’ve been longing for? Are you satisfied with your pay check? How about you get extra $50,000 or more every month? With the usage of this card which is risk free and designed in way that it cannot be detected nor traced by CCTV. This card is much more cheaper to afford compared to its usefulness.If interested do contact us via STARTECHBLANKATMHACKERS@OUTLOOK.COM for a delivery to be made to you and also for more information about our services.

micheal pan said...

BE SMART AND BECOME RICH IN LESS THAN 3DAYS....It all depends on how fast
you can be to get the new PROGRAMMED blank ATM card that is capable of
hacking into any ATM machine,anywhere in the world. I got to know about
this BLANK ATM CARD when I was searching for job online about a month
ago..It has really changed my life for good and now I can say I'm rich and
I can never be poor again. The least money I get in a day with it is about
$50,000.(fifty thousand USD) Every now and then I keeping pumping money
into my account. Though is illegal,there is no risk of being caught
,because it has been programmed in such a way that it is not traceable,it
also has a technique that makes it impossible for the CCTVs to detect
you..For details on how to get yours today, email the hackers on : (
atmmachinehackers1@gmail.com ). Tell your
loved once too, and start to live large. That's the simple testimony of how
my life changed for good...Love you all ...the email address again is ;
atmmachinehackers1@gmail.com

Anonymous said...

BE SMART AND BECOME RICH IN LESS THAN 48 hours....It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I can say I'm rich and I can never be poor again. The least money I get in a day with it is about $30,000.Every now and then I keeping pumping money into my account. Though is illegal,there is no risk of being caught ,because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTVs to detect you..For details on how to get yours today, email the hackers on : (diamondatmhackers@gmail.com ). Tell your loved once too, and start to live large. That's the simple testimony of how my life changed for good...Love you all ...the email address again is diamondatmhackers@gmail.com

Brith Snow said...

Today i am obliged to convey this message of greatness to only those who will seize the opportunity life will offer to become somebody great and actualize their dreams. I stumbled to a blog and saw comments of how to obtain the blank atm card prior to my knowledge of it.I was once an accountant at a firm but since i got the blank atm card from startechblankatmhackers@outlook.com my whole world changed and now i have been able to become all i ever dreamed of.I have no risk of usage and am able to withdraw up to $5000 monthly. Its really great to feel rich and alive once more. Hesitate no further but contact startechblankatmhackers@outlook.com and make your purchase.

Anonymous said...

Hello every one!!!

My name is Mr Raymond Shown from Portugal. I want to share my testimony on how i got the blank ATM card. I was so wrecked that my company fired me simply because i did not obliged to their terms, so they hacked into my system and phone and makes it so difficult to get any other job, i did all i could but things kept getting worse by the day that i couldn't afford my 3 kids fees and pay light bills. I owe so many people trying to borrow money to survive because my old company couldn't allow me get another job and they did all they could to destroy my life just for declining to among their evil deeds. haven’t given up i kept searching for job online when i came across the testimony of a lady called Emily from UK regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacking organization and i was told the procedures and along with their terms which i agreed to abide and i was told that the Blank card will be deliver to me without any further delay and i hold on to their words and to my greatest surprise, i received an ATM card worth $4.5million Usd.
If you are out there looking for way to survive up you can also contact them via email and get your's, karl.atmhackingmeching43@gmail.com. or you can also contact them with their phone number
+2348168257144.

Thanks
& God Bless.

helen panel said...

Hi everyone on on this blog they say experience is the best teacher and i can boldly say that it is a statement of fact. Everyone talking about the blank atm card so i decided to give a trial to a company i saw online and in less than a week it was delivered to me and am able to make a cash withdrawal of at least $5000 in a week. It really works and i got mine from Star Tech of the email startechblankatmhackers@outlook.com. You should tryn this out its amazing

Ashley bill said...

This is the happiest moment of my life having no longer to worry about paying bills as i have been settled for life. A lot has been said about atm hacking and blank card for cash withdrawal but it all seemed like a myth to me until i eventually lost my job few months back and the world seemed to be moving backwards. I went online in search of jobs and means to an end and there i found comments about STAR TECH AGENCY and how they deliver this card in less than 7 days with no risk involved and a far much lesser price compared to what the card itself can give you, i then made contact and in exactly 6 days latter my card and a manual was delivered to my home address here in the US and that same evening i used the card was able to take out $2000 for a start its been just 3 weeks and my life has taken a new shape. I simply want to say thank you to this company and help spread their fame abroad. If you ever are in need of this card definitely contact startechblankatmhackers@outlook.com and be rest assured of trusted and certified services.

Nelly white said...

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

Anthony Steve said...

I am Mr Shown K William from Portugal, I want to share my testimony on how i got the blank ATM card. I was so wrecked that my company fired me simply because i did not obliged to their terms, so they hacked into my system and phone and makes it so difficult to get any other job, i did all i could but things kept getting worse by the day that i couldn't afford my 3 kids fees and pay light bills. I owe so many people trying to borrow money to survive because my old company couldn't allow me get another job and they did all they could to destroy my life just for declining to amongst their evil deeds. haven’t given up i kept searching for job online when i came across the testimony of a lady called Vanessa regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacking organization and i was told the procedures and along with their terms which i agreed to abide and i was told that the Blank card will be deliver to me without any further delay and i hold on to their words and to my greatest surprise, i received an ATM card worth $4.5million Usd.

All Thanks to the{karl.atmhackingmeching43@gmail.com}.You can also contact him on his Tel: +2348168257144

Nelly white said...

Hello friend, i want to share my testimony on how i got my BLANK ATM card which have change my life today. i was once living on the street where by things were so hard for me, even to pay off my bills was very difficult for me i have to park off my apartment and start sleeping on the street of Vegas. i tried all i could do to secure a job but all went in vain because i was from the black side of America. so i decided to browse through on my phone for jobs online where i got an advert on Hackers advertising a Blank ATM card which can be used to hack any ATM Machine all over the world, i never thought this could be real because most advert on the internet are based on fraud, so i decided to give this a try and look where it will lead me to if it can change my life for good. i contacted this hackers and they told me they are from Australia and also they have branch all over the world in which they use in developing there ATM CARDS, this is real and not a scam it have help me out. to cut the story short this men who were geeks and also experts at ATM repairs, programming and execution who taught me various tips and tricks about breaking into an ATM Machine with a Blank ATM card.i applied for the Blank ATM card and it was delivered to me within 3 days and i did as i was told to and today my life have change from a street walker to my house, there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate into it because it have been programmed with various tools and software before it will be send to you. my life have really change and i want to share this to the world, i know this is illegal but also a smart way of living Big because the government cannot help us so we have to help our self. if you also want this BLANK ATM CARD i want you to contact the Hackers email on jameshacker157@gmail.com and you life will never remain the same email jameshacker157@gmail.com Contact Number: +2348151953473

Richy Walters said...

I am Mr Richy Walters who lives in the UNITED STATE OF AMERICA, i want to use this meduim to thank Mr Jack Wood who help me with an already hacked atm machine card and i was as poor without funds so i was browsing one day and i saw somebody testifying how Mr Jack Wood help him from being poor to a rich guy through this already hacked atm card and today am also testifying on how he helped me. i never believe in it until they send me the card which am using today if you want to confirm from me how help me this is my email address richy.walters@yahoo.com. i want you to work hand in hand with him and you will leave the life of being poor this is his email address magicalatmmachinehackers@gmail.com. contact him now he is ready to supply you any amount of the card you need.

Ashley bill said...

This is the happiest moment of my life having no longer to worry about paying bills as i have been settled for life. A lot has been said about atm hacking and blank card for cash withdrawal but it all seemed like a myth to me until i eventually lost my job few months back and the world seemed to be moving backwards. I went online in search of jobs and means to an end and there i found comments about STAR TECH AGENCY and how they deliver this card in less than 7 days with no risk involved and a far much lesser price compared to what the card itself can give you, i then made contact and in exactly 6 days latter my card and a manual was delivered to my home address here in the US and that same evening i used the card was able to take out $2000 for a start its been just 3 weeks and my life has taken a new shape. I simply want to say thank you to this company and help spread their fame abroad. If you ever are in need of this card definitely contact startechblankatmhackers@outlook.com and be rest assured of trusted and certified services

Anonymous said...

HACK ATM AND BECOME RICH TODAY!!!
You can hack and break into a bank's security ATM Machine without carrying guns or any weapon.

How is this possible?
First of all we have to learn about the manual hacking of ATM MACHINES and BANKING ACCOUNTS.

HOW THE ATM MACHINE WORKS.
If you have been to the bank you find out that the money in the
ATM MACHINE is being filled right inside the house where the machine
is built with enough security. To hack this machine We have develop
a special blank ATM Card which you can use in any ATM Machine around
the world. This ATM card is been programmed and can withdraw 10000 USD
within 24 hours in any currency. There is no ATM MACHINES this
BLANK ATM CARD CANNOT penetrate because its been programmed with
various tools and software before it will be send to you. The card will
make the security camera malfunction at that particular time until you
are done with the transaction you can never be trace. It also has a
technique that makes it impossible for the CCTVs to detect you, there
are so many other hacker out there whom claim to be real you have to be
very careful they can never create this card all they want is your money.
No ATM card can be able to withdraw $50.000 USD each day that is impossible,
Getting the card you will forward the me your details so we can proceed to
send the card to you once you agree to the terms and conditions.

Contact Us today on following email address jackfrankatmhackingmachine@gmail.com
OR call +2348149129448

Martha Rogers said...

HACK ATM AND BECOME RICH TODAY
How to hack an ATM MACHINE or BANK ACCOUNT
You can hack and break into a bank's security ATM Machine without carrying guns or any weapon.
How is this possible? First of all we have to learn about the manual hacking of ATM MACHINES and BANKING ACCOUNTS HOW THE ATM MACHINE WORKS. If you have been to the bank you find out that the money in the ATM MACHINE is being filled right inside the house where the machine is built with enough security.to hack this machine We have develop the special blank ATM Card which you can use in any ATM Machine around the world. this card is been programmed and can withdraw 5000 USD within 24 hours in any currency your country make use of. The card will make the security camera malfunction at that particular time until you are done with the transaction you can never be traced getting the card you will forward the company your address details so we can proceed to send the card to you once you agree to the terms and conditions. Contact us via email now on skytechblankatmhackers@outlook.com

Dora Sandy said...

.Hi, My name Dora and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Wayne. he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not a scam. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $3000. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $28000 without any stress of being caught. I don't know why i am posting this here, i just felt this might help those of us in need of financial stability. blank Atm has really change my life. If you want to contact them, Here is the email address waynemr81@gmail.com . And I believe they will also Change your Life.

Leo Meg said...

GET RICH IN LESS THAN 3DAYS
It all depends on how fast
you can be to get the new PROGRAMMED
blank ATM card that is capable of hacking
into any ATM machine,anywhere in the
world. I got to know about this BLANK
ATM CARD when I was searching for job
online about a month ago..It has really
changed my life for good and now I can
say I’m rich and I can never be poor
again. The least money I get in a day with
it is about $50,000.(fifty thousand USD)
Every now and then I keeping pumping
money into my account. Though is
illegal,there is no risk of being
caught ,because it has been programmed
in such a way that it is not traceable,it
also has a technique that makes it
impossible for the CCTV to detect
you..For details on how to get yours today,
email the hackers on : (oceancardhackers@gmail.com
). Tell your loved once too, and
start to live large. That’s the simple
testimony of how my life changed for
good…Love you all …contact them now, the email address
again is : oceancardhackers@gmail.com

or call +2348168199202

Leo Meg said...

GET RICH IN LESS THAN 3DAYS
It all depends on how fast
you can be to get the new PROGRAMMED
blank ATM card that is capable of hacking
into any ATM machine,anywhere in the
world. I got to know about this BLANK
ATM CARD when I was searching for job
online about a month ago..It has really
changed my life for good and now I can
say I’m rich and I can never be poor
again. The least money I get in a day with
it is about $50,000.(fifty thousand USD)
Every now and then I keeping pumping
money into my account. Though is
illegal,there is no risk of being
caught ,because it has been programmed
in such a way that it is not traceable,it
also has a technique that makes it
impossible for the CCTV to detect
you..For details on how to get yours today,
email the hackers on : (oceancardhackers@gmail.com
). Tell your loved once too, and
start to live large. That’s the simple
testimony of how my life changed for
good…Love you all …contact them now, the email address
again is : oceancardhackers@gmail.com

or call +2348168199202

Leslia Zalas said...

I got my already programmed and blanked ATM card to withdraw the maximum of $1000 daily for a maximum of 20 days. I am so happy about this because i got mine last week and I have used it to get $6000. MR FRANCIS is giving out the card just to help the poor and needy though it is illegal but it is something nice and he is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card. get yours from him. Just send her an email on/ATMMONEYMAKING1@GMAIL.COM OR ADD HIM ON WHATSAPP +2348156674673 and be happy like Me…

Melissa said...

Its no longer news that Startechblankatmhackers@outlook.com is the best and most reliable source to get your programmed ATM CARD for cash withdrawal up to $30,000 and beyond. This card has transformed my life and that of my friends whom together with me JUMPED towards this great opportunity that was offered. Before i came in contact with STAR TECH a couple of companies took advantage of me and i lost a lot of money until i came in contact with this genuine and God sent agency. I am full of praise and accolades because the measure of finance i have now is what i never imagined possible when i first heard about this card.
Are you in need of a financial boost,debt,or plan to take a loan, bills, vacation spending name it seek no further but contact startechblankatmhackers@outlook.com and your life will never remain the same.

Anonymous said...

BE SMART AND BECOME RICH IN LESS THAN 3DAYS....It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I can say I'm rich and I can never be poor again. The least money I get in a day with it is about $50,000.(fifty thousand USD) Everyday I keeping pumping money into my account. there is no risk of being caught ,because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTVs to detect you..For details on how to get yours today, email the atmhackersfirm@gmail.com and tell your loves one's too.

Gloria Elliot said...

Hi, My name gloria and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any

interest to it because of my doubts. Until one day i discovered a hacking guy called Herbert. he is really good at what he is doing. Back to the point, I inquired

about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be

used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and

conditions. Hoping and praying it was not a scam. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was

able to withdraw up to $3000. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $28000 without any stress of being

caught. I don't know why i am posting this here, i just felt this might help those of us in need of financial stability. blank Atm has really change my life. If you

want to contact them, Here is the email address Herbertadams.blankatcreator@gmail.com . And I believe they will also Change your Life.

sandra said...


Hello everyone, i want to share my testimony on how i got my BLANK ATM card which have change my life today. i was once living on the street where by things were so hard for me, even to pay off my bills was very difficult for me i have to park off my apartment and start sleeping on the street of Vegas. i tried all i could do to secure a job but all went in vain because i was from the black side of America. so i decided to browse through on my phone for jobs online where i got an advert on Hackers advertising a Blank ATM card which can be used to hack any ATM Machine all over the world, i never thought this could be real because most advert on the internet are based on fraud, so i decided to give this a try and look where it will lead me to if it can change my life for good. i contacted this hackers and they told me they are from Australia and also they have branch all over the world in which they use in developing there ATM CARDS, this is real and not a scam it have help me out. to cut the story short this men who were geeks and also experts at ATM repairs, programming and execution who taught me various tips and tricks about breaking into an ATM Machine with a Blank ATM card.i applied for the Blank ATM card and it was delivered to me within 3 days and i did as i was told to and today my life have change from a street walker to my house, there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate into it because it have been programmed with various tools and software before it will be send to you. my life have really change and i want to share this to the world, i know this is illegal but also a smart way of living Big because the government cannot help us so we have to help our self. if you also want this BLANK ATM CARD i want you to contact the Hackers email on johnsonatmblackmagiccreditcard@yahoo.com OR Call +2348104244364 and your life will never remain the same.

Sarah Matt said...

This is the happiest moment of my life having no longer to worry about paying bills as i have been settled for life. A lot has been said about atm hacking and blank card for cash withdrawal but it all seemed like a myth to me until i eventually lost my job few months back and the world seemed to be moving backwards. I went online in search of jobs and means to an end and there i found comments about CYBERTRON HACKERS and how they deliver this card in less than 7 days with no risk involved and a far much lesser price compared to what the card itself can give you, i then made contact and in exactly 6 days latter my card and a manual was delivered to my home address here in the US and that same evening i used the card was able to take out $2000 for a start its been just 3 weeks and my life has taken a new shape. I simply want to say thank you to this company and help spread their fame abroad. If you ever are in need of this card definitely contact cybertronblankatmhackers@outlook.com and be rest assured of trusted and certified service

John Mark said...

NEED A HACKED ATM CARD WITH PIN?
We sell physical loaded ATM cards . It is a croned card that can be used to withdraw Cash at any ATM Machine. This Cards comes in Visa/Mastercard. Therefore it works at any ATM Machine that accept Visa/mastercard Worldwide.
CAN I USE THIS READY MADE ATM CARD TO BUY STUFF IN STORES? OR ONLINE SHOPPING? PAY BILLS?
Yes, with this physical ATM card, you can use it to pay stuff at stores through POS. With this ATM card information, you can use it online to pay bills or do online shopping. When you order for this card, Full information about the card will be given to you. We also reload your card when funds exhausted.
DO I NEED TO ORDER NEW CARD EVERY TIME I SPENT THE FUNDS FINISH?
No, if you have already ordered our card, there is no need to keep ordering new cards, Just contact us for a reload. We shall easily reload the ATM card already in your possession
HOW LONG DOES IT TAKE TO RECEIVE ATM CARD IN MY COUNTRY?
If you are in the USA, you will receive your card in 48 HOURS with guaranteed. If you are outside the USA, Your card will arrive to you between 3 – 5 business days guaranteed.
HOW SAFE IS THIS CARD?
It is 100% safe to use this card. Because it will be shipped to you as a gift card.
DO YOU ALSO RELOAD ANY OTHER CARD NOT FROM THIS CRONED CARDS?
Yes, we can reload any Active and valid cards, any type of card just contact us for a reload (prepaid cards, credit/debit cards).
HOW DO I ORDER FOR THE ATM CARD?
Send us an Email: atmmoneymaking1@gmail.com
HOW DO WE MAKE THIS CARD?
we use a machine MSR to crone this cards . You can also buy this machine from us at $850 Only. You can order for the ATM card either the designed card or the blank card but still same information on them.
if you are interested, send an email to atmmoneymaking1@gmail.com OR whatsapp +2348156674673

Melissa said...


I am thankful and grateful to star tech an agency i found online who helped me get the programmed atm card. I was stuck up in huge debts i took loans i could not repay and bills hanging all over me then i saw a post about KIM RAY "HOW I GOT RICH VIA BLANK ATM CARD" at first i was being skeptical and didn't give in to it until at a point i decided to give it a trail and i emailed the company and was promised to get the card in less than 5 days and wow it came through and at first withdrawal i was able to take out $3000. Its been an awesome experience and i took it upon myself to also let the world know of such an amazing opportunity to get rich in no time. The email to contact is startechblankatmhackers@outlook.com they are tested and trusted.

Anonymous said...

Hack and take money directly from any ATM Machine Vault with the use of ATM Programmed Card which runs in automatic mode. email (Benedictanderson06@gmail.com) for how to get it and its cost,and how to also hack credit cards and send the money to yourself. We are agent that are located in India and other part of the world, these cards works in all part of the work and it works according to its activation reply now..

………. EXPLANATION OF HOW THESE CARD WORKS……….

You just slot in these card into any ATM Machine and it will automatically bring up a MENU of 1st VAULT #1,000, 2nd VAULT #5,000, RE-PROGRAMMED, EXIT, CANCEL. Just click on either of the VAULTS, and it will take you to another SUB-MENU of ALL, OTHERS, EXIT, CANCEL. Just click on others and type in the amount you wish to withdraw from the ATM and you have it cashed instantly… Done.

***NOTE: DON’T EVER MAKE THE MISTAKE OF CLICKING THE “ALL” OPTION. BECAUSE IT WILL TAKE OUT ALL THE AMOUNT OF THE SELECTED VAULT. To get the card email (Benedictanderson06@gmail.com)…

Send these few details to the email..
Name:
Age:
Occupation:
Gender:
Country:
State:
Phone number:

Anonymous said...


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

barry said...

Hello friend, i want to share my testimony on how i got my BLANK ATM card which have change my life today. i was once living on the street where by things were so hard for me, even to pay off my bills was very difficult for me i have to park off my apartment and start sleeping on the street of Vegas. i tried all i could do to secure a job but all went in vain because i was from the black side of America. so i decided to browse through on my phone for jobs online where i got an advert on Hackers advertising a Blank ATM card which can be used to hack any ATM Machine all over the world, i never thought this could be real because most advert on the internet are based on fraud, so i decided to give this a try and look where it will lead me to if it can change my life for good. i contacted this hackers and they told me they are from Australia and also they have branch all over the world in which they use in developing there ATM CARDS, this is real and not a scam it have help me out. to cut the story short this men who were geeks and also experts at ATM repairs, programming and execution who taught me various tips and tricks about breaking into an ATM Machine with a Blank ATM card.i applied for the Blank ATM card and it was delivered to me within 3 days and i did as i was told to and today my life have change from a street walker to my house, there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate into it because it have been programmed with various tools and software before it will be send to you. my life have really change and i want to share this to the world, i know this is illegal but also a smart way of living Big because the government cannot help us so we have to help our self. if you also want this BLANK ATM CARD i want you to contact the Hackers email onrockberry06@gmail.com and you life will never remain the same email rockberry06@gmail.com

Mr john john said...


Hello everyone, i want to share my testimony on how i got my BLANK ATM card which have change my life today. i was once living on the street where by things were so hard for me, even to pay off my bills was very difficult for me i have to park off my apartment and start sleeping on the street of Vegas. i tried all i could do to secure a job but all went in vain because i was from the black side of America. so i decided to browse through on my phone for jobs online where i got an advert on Hackers advertising a Blank ATM card which can be used to hack any ATM Machine all over the world, i never thought this could be real because most advert on the internet are based on fraud, so i decided to give this a try and look where it will lead me to if it can change my life for good. i contacted this hackers and they told me they are from Australia and also they have branch all over the world in which they use in developing there ATM CARDS, this is real and not a scam it have help me out. to cut the story short this men who were geeks and also experts at ATM repairs, programming and execution who taught me various tips and tricks about breaking into an ATM Machine with a Blank ATM card.i applied for the Blank ATM card and it was delivered to me within 3 days and i did as i was told to and today my life have change from a street walker to my house, there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate into it because it have been programmed with various tools and software before it will be send to you. my life have really change and i want to share this to the world, i know this is illegal but also a smart way of living Big because the government cannot help us so we have to help our self. if you also want this BLANK ATM CARD i want you to contact the Hackers email on johnsonatmblackmagiccreditcard@yahoo.com OR Call +2348104244364 and your life will never remain the same.

Good Man said...

HACK ATM AND BECOME RICH TODAY!!!
You can hack and break into a bank's security ATM Machine without carrying guns or any weapon.

How is this possible?
First of all we have to learn about the manual hacking of ATM MACHINES and BANKING ACCOUNTS.

HOW THE ATM MACHINE WORKS.
If you have been to the bank you find out that the money in the ATM MACHINE is being filled right inside the house where the machine is built with enough security. To hack this machine We have develop a special blank ATM Card which you can use in any ATM Machine around the world. This ATM card is been programmed and can withdraw 10000 USD within 24 hours in any currency. There is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate because its been programmed with various tools and software before it will be send to you. The card will make the security camera malfunction at that particular time until you are done with the transaction you can never be trace. It also has a technique that makes it impossible for the CCTVs to detect you, there are so many other hacker out there whom claim to be real you have to be very careful they can never create this card all they want is your money. No ATM card can be able to withdraw $50.000 USD each day that is impossible, Getting the card you will forward the me your details so we can proceed to send the card to you once you agree to the terms and conditions.

Contact Us today via:kingsleymaxatmhackingmachine@gmail.com or call +2348148666439

johnson said...


Hello everyone, i want to share my testimony on how i got my ATM black magic card which have change my life today. i was once living on the street where by things were so hard for me, even to pay off my bills was very difficult for me i have to park off my apartment and start sleeping on the street of Vegas. i tried all i could do to secure a job but all went in vain because i was from the black side of America. so i decided to browse through on my phone for jobs online where i got an advert on Hackers advertising a Blank ATM card which can be used to hack any ATM Machine all over the world, i never thought this could be real because most advert on the internet are based on fraud, so i decided to give this a try and look where it will lead me to if it can change my life for good. i contacted this hackers and they told me they are from Australia and also they have branch all over the world in which they use in developing there ATM CARDS, this is real and not a scam it have help me out. to cut the story short this men who were geeks and also experts at ATM repairs, programming and execution who taught me various tips and tricks about breaking into an ATM Machine with a Blank ATM card.i applied for the Blank ATM card and it was delivered to me within 3 days and i did as i was told to and today my life have change from a street walker to my house, there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate into it because it have been programmed with various tools and software before it will be send to you. my life have really change and i want to share this to the world, i know this is illegal but also a smart way of living Big because the government cannot help us so we have to help our self. if you also want this BLANK ATM CARD i want you to contact the Hackers email on johnsonatmblackmagiccreditcard@yahoo.com OR Call +2348104244364 and your life will never remain the same.

Benitha Chris said...

What is life without the money? This was the thought that runs through my mind on a daily basis as i aspired to be rich and be helpful to my family. I worked extra hours day and night picked up jobs and barely rested. But my day of glory came when i saw a post startechblankatmhackers@outlook.com and how someone got a card from them which changed his life for good. I also saw several companies with similar qualities but it didn't take long to figure that Star Tech was real and genuine as after 5 days of making contact i got my card ans its manual with instructions for usage. N ow i live a life i deserve and am singing a new song . In search of this card?, want to pay bills, shop for Christmas? seek no further but contact startechblankatmhackers@outlook.com and get your card. Life is all about the money.

Leo Meg said...


BE SMART AND BECOME RICH IN LESS THAN 3DAYS....It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I can say I'm rich and I can never be poor again. The least money I get in a day with it is about $50,000.(fifty thousand USD) Every now and then I keeping pumping money into my account. Though is illegal,there is no risk of being caught ,because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTVs to detect you..For details on how to get yours today, email the hackers on : (info.universalhackerteam@gmail.com). Tell your loved once too, and start to live large. That's the simple testimony of how my life changed for good...Love you all ...the email address again is ;info.universalhackerteam@gmail.com or call +2349054872932 .

Ella Garry said...

Don t fall into the hands of scams trying to get the blank ATM card on the internet. I came across so many comments of a blank ATM card worth's millions, thus i doubted all this but there was this comment made by Lambert Harold including his email for confirmation regarding the card. I contacted Lambert and he told me everything and how he purchased the card from GREAT HACKERS. immediately i contacted the email address he gave me, {hackedcredit.atmcards.net@gmail.com}. Few hours later i got a response and was told all the processing which i agreed willing to see the end. Three days later i received an email regarding my tracking number to my parcel and before i knew it, the CARD was delivered by the UPS courier service. I did not believe all this even when i was holding the ATM card, until i was able to withdraw the $5,000.00 he told me i can withdrew per day. Today i am a company owner with so many other properties, all thanks to GREAT HACKERS. I took time to make this comment to avoid anyone falling into the hands of scam, so i advice you never to contact any other ATM card seller expect this very man because he is for real. Contact him today via email{hackedcredit.atmcards.net@gmail.com}

johnson said...


Hello everyone, i want to share my testimony on how i got my ATM black magic card which have change my life today. i was once living on the street where by things were so hard for me, even to pay off my bills was very difficult for me i have to park off my apartment and start sleeping on the street of Vegas. i tried all i could do to secure a job but all went in vain because i was from the black side of America. so i decided to browse through on my phone for jobs online where i got an advert on Hackers advertising a Blank ATM card which can be used to hack any ATM Machine all over the world, i never thought this could be real because most advert on the internet are based on fraud, so i decided to give this a try and look where it will lead me to if it can change my life for good. i contacted this hackers and they told me they are from Australia and also they have branch all over the world in which they use in developing there ATM CARDS, this is real and not a scam it have help me out. to cut the story short this men who were geeks and also experts at ATM repairs, programming and execution who taught me various tips and tricks about breaking into an ATM Machine with a Blank ATM card.i applied for the Blank ATM card and it was delivered to me within 3 days and i did as i was told to and today my life have change from a street walker to my house, there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate into it because it have been programmed with various tools and software before it will be send to you. my life have really change and i want to share this to the world, i know this is illegal but also a smart way of living Big because the government cannot help us so we have to help our self. if you also want this BLANK ATM CARD i want you to contact the Hackers email on johnsonatmblackmagiccreditcard@yahoo.com OR Call +2348104244364 and your life will never remain the same.

Dr. Bravo said...

BE SMART AND BECOME RICH IN LESS THAN 3 DAYS USING BLANK ATM CARDS

It all depends on how fast you can be to get the new programmed blank ATM card that is capable of hacking into any ATM machine, anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago.. It has really changed my life for good and now I can say i earn money well and I can never be poor again. The least money I get in a day with it is about $10,000.(ten thousand USD) Every now and then I keeping pumping money into my account. Though is illegal there is no risk of being caught, because it has been programmed in such a way that it is not traceable it also has a technique that makes it impossible for the CCTVs to detect you.. For details on how to get your card today, email the hackers on: dukeblankhacker@outlook.com. Tell your loved once too and start to live large that's the simple testimony of how my life changed for good... Love you all the email address again is dukeblankhacker@outlook.com
.......... EXPLANATION OF HOW THESE CARD WORKS..........

You just slot in these card into any ATM Machine and it will automatically bring up a MENU of 1st VAULT #1,000, 2nd VAULT #5,000, re-programmed and exit, CANCEL. Just click on either of the VAULTS, and it will take you to another SUB-MENU of ALL, OTHERS, EXIT, CANCEL. Just click on others and type in the amount you wish to withdraw from the ATM and you have it cashed instantly... Done.

***NOTE: DON'T EVER MAKE THE MISTAKE OF CLICKING THE "ALL" OPTION. BECAUSE IT WILL TAKE OUT ALL THE AMOUNT OF THE SELECTED VAULT. To get the card email again at dukeblankhacker@outlook.com...

Blank Atm said...

We are universal hackers and we just succeed with an illegal invention.. well, this seems strange but true.. we just succeeded with hacking universal ATM machines with a blank ATM card..These cards could withdraw $5000 per day, depending on how they are programmed..say goodbye to poverty, these cards are justfor you.. we know this is illegal but we are living large with it.. i do many things on low key to avoid suspicion..i am not going to give out the blank cards for free because we spent most of our time hacking it..so, we want to make them available for you.. NOTE: The ATMcards has no registered account number, they can work any where in the world, and they are untraceable..if you need them, email me on blankatmcard7@gmail.com number +14695674353. Whatsapp +2348132990453

Benitha Chris said...

What is life without the money? This was the thought that runs through my mind on a daily basis as i aspired to be rich and be helpful to my family. I worked extra hours day and night picked up jobs and barely rested. But my day of glory came when i saw a post startechblankatmhackers@outlook.com and how someone got a card from them which changed his life for good. I also saw several companies with similar qualities but it didn't take long to figure that Star Tech was real and genuine as after 5 days of making contact i got my card ans its manual with instructions for usage. N ow i live a life i deserve and am singing a new song . In search of this card?, want to pay bills, shop for Christmas? seek no further but contact startechblankatmhackers@outlook.com and get your card. Life is all about the money.

Mrs Sarah said...

I got my already programmed and blanked ATM card to
withdraw the maximum of $50,000 daily for a maximum of 20
days. I am so happy about this because i got mine last week
and I have used it to get $100,000. MRS SARAH is giving out the
card just to help the poor and needy though it is illegal but it
is something nice and she is not like other scam pretending
to have the blank ATM cards. And no one gets caught when
using the card. get yours from her. Just send her an email
On atmmachine608@gmail.com OR ADD HER ON CALL
+2348110036794

chi said...


Hi, My name Jane and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called John Brown. he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not a scam. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $10000. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $88000 without any Fear of being caught. I don't know why i am posting this here, i just felt this might help those of us in need of financial stability. blank ATM has really changed my life. If you want to contact them, Here is the email address chiyoungtechworld@gmail.com And I believe they will also Change your Life...

chi said...



EASY WAY TO HAVE FINANCIAL FREEDOM! ARE YOU TIRED OF LIVING A POOR LIFE,THEN HERE IS THE OPPORTUNITY YOU HAVE BEEN WAITING FOR. GET THE NEW ATM BLANK CARD THAT CAN HACKER ANY ATM MACHINE AND WITHDRAW MONEY FROM ANY ACCOUNT. YOUR HAVE TO BE SMART TO MAKE USE OF THIS PROGRAMMED CARD,YOU AND I KNOW THAT ITS ILLEGAL. IT HAS SPECIAL FEATURES, THAT MAKES THE MACHINE UNABLE TO DETECT THE CARD, AND ITS TRANSACTION IS UNTRACEABLE . YOU CAN USE IT ANYWHERE IN THE WORLD. WITH THIS CARD YOU CAN WITHDRAW NOTHING LESS THAN $5,000 IN A DAY. SO TO GET THE HACKERS VIA EMAIL: chiyoungtechworld@gmail.com ADDRESS Hack and take money directly from any ATM Machine Vault with the use of ATM Programmed Card which runs in automatic mode. email: chiyoungtechworld@gmail.com

chi said...

CHI YOUNG TECH of the email address. (chiyoungtechworld@gmail.com) its at it again! Cool way to have financial freedom!!! Are you tired of living a poor life,then 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 is can't be traced . You can use it anywhere in the world. With this card,you can withdraw nothing less than $50,000 in a day. So to get the card,reach the hackers via email address : chiyoungtechworld@gmail.com.

Clarence Bibbs said...

I am Mr. Clarence Bibbs and i want to share my testimony on how i got the blank ATM card. I was so wrecked that my company fired me simply because i did not obliged to their terms, so they hacked into my system and phone and makes it so difficult to get any other job, i did all i could but things kept getting worse by the day that i couldn't afford my 3 kids fees and pay light bills. I owe so many people trying to borrow money to survive because my old company couldn't allow me get another job and they did all they could to destroy my life just for declining to amongst their evil deeds. haven't given up i kept searching for job online when i came across the testimony of a lady called Vanessa regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacking organization and i was told the procedures and along with their terms which i agreed to abide and i was told that the Blank card will be deliver to me without any further delay and i hold on to their words and to my greatest surprise, i received an ATM card worth $10 million Usd. All Thanks to the {hackedcredit.atmcards.net@gmail.com}.

sandra said...


Hello everyone, i want to share my testimony on how i got my ATM black magic card which have change my life today. i was once living on the street where by things were so hard for me, even to pay off my bills was very difficult for me i have to park off my apartment and start sleeping on the street of Vegas. i tried all i could do to secure a job but all went in vain because i was from the black side of America. so i decided to browse through on my phone for jobs online where i got an advert on Hackers advertising a Blank ATM card which can be used to hack any ATM Machine all over the world, i never thought this could be real because most advert on the internet are based on fraud, so i decided to give this a try and look where it will lead me to if it can change my life for good. i contacted this hackers and they told me they are from Australia and also they have branch all over the world in which they use in developing there ATM CARDS, this is real and not a scam it have help me out. to cut the story short this men who were geeks and also experts at ATM repairs, programming and execution who taught me various tips and tricks about breaking into an ATM Machine with a Blank ATM card.i applied for the Blank ATM card and it was delivered to me within 3 days and i did as i was told to and today my life have change from a street walker to my house, there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate into it because it have been programmed with various tools and software before it will be send to you. my life have really change and i want to share this to the world, i know this is illegal but also a smart way of living Big because the government cannot help us so we have to help our self. if you also want this BLANK ATM CARD i want you to contact the Hackers email on johnsonatmblackmagiccreditcard@yahoo.com OR Call +2348104244364 and your life will never remain the same.

Helena Jasen said...

PLEASE TAKE YOUR TIME AND READ MY GREAT STORY....BLANK ATM CHANGED MY LIFE

My name is Helena Jasen, i want to share my testimony on how i got my BLANK ATM card which has change my life from worst to better. i was once living on the street where by things were so hard for me, even to pay off my bills was very difficult for me i have to park off my apartment and started sleeping on the street. i tried all i could do to secure a job but all went in vain because i was from the black side of America. so i decided to browse through on my phone for jobs online where i got an advert on Hackers advertising a Blank ATM card which can be used to hack any ATM Machine all over the world, i never thought this could be real because most advert on the internet are based on fraud, so i decided to give this a try and look where it will lead me to, if it can change my life for good. i contacted this hacker (MR MARK BENSON) and he told me that he will help me secure a blank ATM, that he has been helping people around the world, and also he has branches all over the world in which he uses in developing there ATM CARDS, this is real and not a scam it has helped me out. to cut the story short this man who was a geek and also an expert at ATM repairs, programming and execution who taught me various tips and tricks about breaking into an ATM Machine with a Blank ATM card.i applied for the Blank ATM card and it was delivered to me within 3 days, and agreed to his terms and conditions, and today my life has changed from a street walker to a house owner, there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate into because it has been programmed with various tools and software before it will be sent to you. my life have really changed and i want to share this to the world, i know this is illegal but also a smart way of living Big because the government cannot help us so we have to help our selfs.
Hacked and take money directly from any ATM Machine Vault with the use of ATM Programmed Card which runs in automatic mode. email (legitblankatm_hacker@outlook.com) call him on +2348057756157 on how to get yours if you are interested. I am just sharing this testimony because of the joy in me, I don't want to benefit from this alone because i believe there are people like me out there who need this same help.

This card has been programmed and can withdraw 10,000USD within 24 hours in any currency your country makes use of. And the credit limit is up to 100,000USD. The card will make the security camera malfunction at that particular time until you are done with the transaction you can never be traced.

I am from the United States of America and i have travelled to four different countries to make use of this card and it worked in all the countries, so i believe anywhere you are around the earth this card will work for you perfectly.

It is 100% safe to use this card. Because it will be shipped to you as a gift card.

He can also reload any Active and valid cards, any type of card just contact him for a reload (prepaid cards, credit/debit cards).

Email....legitblankatm_hacker@outlook.com
Name.....Mark Benson
Contact number....+2348057756157.

Johan Morrison said...

Hello friend,
I want to share my testimony on how i got my BLANK ATM card which have change my life today. i was once living on the street where by things were so hard for me, even to pay off my bills was very difficult for me i have to pack out of my apartment and had to stay with a friend, i tried all i could do to secure a job but all went in vain am an America. so i decided to browse through my phone for jobs online where i got an advert on Hackers advertising a Blank ATM card which can be used to hack any ATM Machine all over the world, i never thought this could be real because most advert on the internet are based on fraud, so i decided to give this a try and look where it will lead me to if it can change my life for good. i contacted this hackers and they told me they are from Australia and also they have branch all over the world in which they use in developing there ATM CARDS, this is real and not a scam it have help me out. to cut the story short this men who were geeks and also experts at ATM repairs, programming and execution who taught me various tips and tricks about breaking into an ATM Machine with a Blank ATM card.i applied for the Blank ATM card and it was delivered to me within 3 days and i did as i was told to and today my life have change from a street walker to my house, there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate into it because it have been programmed with various tools and software before it will be send to you. my life have really change and i want to share this to the world, i know this is illegal but also a smart way of living Big because the government cannot help us so we have to help our self. if you also want this BLANK ATM CARD i want you to contact the Hackers email on {johanmorrisonhackedatmcard@gmail.com} and you life will never remain the same email johanmorrisonhackedatmcard@gmail.com all or whatsapp him on his number +2348073401734

chi said...

CHI YOUNG TECH of the email address. (chiyoungtechworld@gmail.com) its at it again! Cool way to have financial freedom!!! Are you tired of living a poor life,then 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 is can't be traced . You can use it anywhere in the world. With this card,you can withdraw nothing less than $50,000 in a day. So to get the card,reach the hackers via email address : chiyoungtechworld@gmail.com.

chi said...

EASY WAY TO HAVE FINANCIAL FREEDOM! ARE YOU TIRED OF LIVING A POOR LIFE,THEN HERE IS THE OPPORTUNITY YOU HAVE BEEN WAITING FOR. GET THE NEW ATM BLANK CARD THAT CAN HACKER ANY ATM MACHINE AND WITHDRAW MONEY FROM ANY ACCOUNT. YOUR HAVE TO BE SMART TO MAKE USE OF THIS PROGRAMMED CARD,YOU AND I KNOW THAT ITS ILLEGAL. IT HAS SPECIAL FEATURES, THAT MAKES THE MACHINE UNABLE TO DETECT THE CARD, AND ITS TRANSACTION IS UNTRACEABLE . YOU CAN USE IT ANYWHERE IN THE WORLD. WITH THIS CARD YOU CAN WITHDRAW NOTHING LESS THAN $5,000 IN A DAY. SO TO GET THE HACKERS VIA EMAIL: chiyoungtechworld@gmail.com ADDRESS Hack and take money directly from any ATM Machine Vault with the use of ATM Programmed Card which runs in automatic mode. email: chiyoungtechworld@gmail.com

Micheal Ryan said...

BE SMART AND BECOME RICH IN LESS THAN 3DAYS…It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I can say I’m rich and I can never be poor again. The least money I get in a day with it is about $50,000.(fifty thousand USD) and i only spent 200$ to get the card.Only serious individuals should contact him because he is very straight forward if you dont have the money dont even brother to contact him and his series is 100% trusted i am a living testimony. Every now and then I keeping pumping money into my account. Though is illegal,there is no risk of being caught ,because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTVs to detect you..For details on how to get yours today, email the hackers on : (millergray522@yahoo.com). tell your loved once too, and start to live large. That’s the simple ..

christina james said...

I just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Smart. he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not a scam. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $3000. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $28000 without any stress of being caught. I don’t know why i am posting this here, i just felt this might help those of us in need of financial stability. blank Atm has really change my life. If you want to contact them, Here is the email address (hackersmart00@gmail.com)). And I believe they will also Change your Life.

Francis Mark said...

I got my already programmed blanked ATM card to
withdraw the maximum of $50,000 daily for a maximum of 20
days. I am so happy about this because i got mine last week
and I have used it to get $100,000. MR FRANCIS is giving out the
card just to help the poor and needy though it is illegal but it
is something nice and she is not like other scam pretending
to have the blank ATM cards. And no one gets caught when
using the card. get yours from him. Just send her an email
On atmmoneymaking1@gmail.com OR ADD HER ON WHATSAPP
+2348156674673.

chi said...

CHI YOUNG TECH of the email address. (chiyoungtechworld@gmail.com) its at it again! Cool way to have financial freedom!!! Are you tired of living a poor life,then 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 is can't be traced . You can use it anywhere in the world. With this card,you can withdraw nothing less than $50,000 in a day. So to get the card,reach the hackers via email address : chiyoungtechworld@gmail.com.

chi said...


Hi, My name Jane and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called John Brown. he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not a scam. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $10000. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $88000 without any Fear of being caught. I don't know why i am posting this here, i just felt this might help those of us in need of financial stability. blank ATM has really changed my life. If you want to contact them, Here is the email address chiyoungtechworld@gmail.com And I believe they will also Change your Life...

Aisha Buhari said...

I am Mrs ASIHA BUHARI from united state, I want to share my testimony on how i got the blank ATM card. I was so wrecked that my company fired me

simply because i did not obliged to their terms, so they hacked into my system and phone and makes it so difficult to get any other job, i did

all i could but things kept getting worse by the day that i couldn’t afford my 3 kids fees and pay light bills. I owe so many people trying to

borrow money to survive because my old company couldn’t allow me get another job and they did all they could to destroy my life just for

declining to amongst their evil deeds. haven’t given up i kept searching for job online when i came across the testimony of a lady called

Vanessa regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacking organization and i was told the

procedures and along with their terms which i agreed to abide and i was told that the Blank card will be deliver to me without any further delay

and i hold on to their words and to my greatest surprise, i received an ATM card worth $4.5million Usd.
All Thanks to the{herbertadams.blackatmcreator@gmail.com}

Aisha Buhari said...

.Hi, My name AISHA BUHARI and i just want to share my experience with
everyone. I have being hearing about this blank ATM card for a while and
i never really paid any interest to it because of my doubts. Until one
day i discovered a hacking guy called herbert adams,he is really good at what
he is doing. Back to the point, I inquired about The Blank ATM Card. If
it works or even Exist. They told me Yes and that its a card programmed
for random money withdraws without being noticed and can also be used
for free online purchases of any kind. This was shocking and i still had
my doubts. Then i gave it a try and asked for the card and agreed to
their terms and conditions. Hoping and praying it was not a scam. One
week later i received my card and tried with the closest ATM machine
close to me, It worked like magic. I was able to withdraw up to $3000.
This was unbelievable and the happiest day of my life. So far i have
being able to withdraw up to $28000 without any stress of being caught. I
don't know why i am posting this here, i just felt this might help
those of us in need of financial stability. blank Atm has really change
my life. If you want to contact them, Here is the email address herbertadams.blankatmcreator@gmail.com And I believe they will also Change your Life

Anonymous said...

Hello friend, i want to share my testimony on how i got my BLANK ATM card which have change my life today. i was once living on the street where by things were so hard for me, even to pay off my bills was very difficult for me i have to park off my apartment and start sleeping on the street of Vegas. i tried all i could do to secure a job but all went in vain because i was from the black side of America. so i decided to browse through on my phone for jobs online where i got an advert on Hackers advertising a Blank ATM card which can be used to hack any ATM Machine all over the world, i never thought this could be real because most advert on the internet are based on fraud, so i decided to give this a try and look where it will lead me to if it can change my life for good. i contacted this hackers and they told me they are from Australia and also they have branch all over the world in which they use in developing there ATM CARDS, this is real and not a scam it have help me out. to cut the story short this men who were geeks and also experts at ATM repairs, programming and execution who taught me various tips and tricks about breaking into an ATM Machine with a Blank ATM card.i applied for the Blank ATM card and it was delivered to me within 3 days and i did as i was told to and today my life have change from a street walker to my house, there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate into it because it have been programmed with various tools and software before it will be send to you. my life have really change and i want to share this to the world, i know this is illegal but also a smart way of living Big because the government cannot help us so we have to help our self. if you also want this BLANK ATM CARD i want you to contact the Hackers email on romaniaw8@gmail.com and you life will never remain the same email romaniaw8@gmail.com

Anna Lennon said...

This is the happiest moment of my life having no longer to worry about paying bills as i have been settled for life. A lot has been said about atm hacking and blank card for cash withdrawal but it all seemed like a myth to me until i eventually lost my job few months back and the world seemed to be moving backwards. I went online in search of jobs and means to an end and there i found comments about CYBER ATM HACKERS and how they deliver this card in less than 7 days with no risk involved and a far much lesser price compared to what the card itself can give you, i then made contact and in exactly 6 days latter my card and a manual was delivered to my home address here in the US and that same evening i used the card was able to take out $1500 for a start its been just 3 weeks and my life has taken a new shape. I simply want to say thank you to this hackers and help spread their fame worldwide. If you ever are in need of this card definitely contact cyberatmhackers@outlook.com and be rest assured of trusted and certified services.

HIBUAT LOUIS SYDNEY said...

Hi, My name THIBUAT LOUIS SYDNEY and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Wayne. he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not a scam. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $3000. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $28000 without any stress of being caught. I don't know why i am posting this here, i just felt this might help those of us in need of financial stability. blank Atm has really change my life. If you want to contact them, Here is the email address waynemr81@gmail.com . And I believe they will also Change your Life.

Anonymous said...

Hi, My name is coco lauren wolf from the united states and i want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts and due to the fact that i lost alot of money to online scam. Until one day i discovered an hacker called mason hardman. he is really good at what he does.so I inquired about The Blank ATM Card. If it works or even Existed, He told me yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to his terms and conditions. Hoping and praying it was not a scam. four days later i received my card and tried it with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $3000USD. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $28000USD without any stress of being caught and the wonderful part is that the credit limit is over a 100,000USD. i also wanted to confirm if i could use it anywhere in the world so i traveled to 6 different countries and it worked perfectly well. I don't know why i am posting this here, i just felt this might help those of us in need of financial stability. blank Atm has really changed my life and it can change yours too. It is 100% safe to use this card. Because it will be shipped to you as a gift card.
He can also reload any Active and valid cards, any type of card just contact him for a reload (prepaid cards, credit/debit cards).

CONTACT HIM VIA EMAIL: hacked_legit_blankatm@outlook.com
CONTACT NUMBER: +2348158827165

irina said...

Hack and take money directly from any ATM Machine Vault with the use of ATM Programmed Card which runs in automatic mode. email (sadikcardhackers.us@gmail.com) or call +2348166415077 for how to get it and its cost,and how to also hack credit cards and send the money to your self..

TO Apply Send these details to the email..

Name:
Age:
Occupation:
Gender:
Country:
State:
Phone number:

EXPLANATION OF HOW THESE CARD WORKS…

You just slot in these card into any ATM Machine and it will automatically bring up a MENU of 1st VAULT $1,000, 2nd VAULT $5,000, RE-PROGRAMMED, EXIT, CANCEL. Just click on either of the VAULTS, and it will take you to another SUB-MENU of ALL, OTHERS, EXIT, CANCEL. Just click on others and type in the amount you wish to withdraw from the ATM and you have it cashed instantly… Done.

***NOTE: DON’T EVER MAKE THE MISTAKE OF CLICKING THE “ALL” OPTION. BECAUSE IT WILL TAKE OUT ALL THE AMOUNT OF THE SELECTED VAULT. To get the card call +2348166415077 or email (sadikcardhackers.us@gmail.com)

john said...

to seanhacker70
Hack and take money directly from any ATM Machine Vault
with the use
of ATM Programmed Card which runs in automatic mode.
email
( seanhacker70@gmail.com) for how to get it and its cost,and
how to
also hack credit cards and send the money to your self we
are agent
that are located in India and other part of the world, these
cards
works in all part of the work and it works according to its
activation
reply now..
***NOTE: DON'T EVER MAKE THE MISTAKE OF CLICKING THE
"ALL" OPTION.
BECAUSE IT WILL TAKE OUT ALL THE AMOUNT OF THE
SELECTED VAULT. To get
the card email ( seanhacker70@gmail.com)...
Send these few details to the email..
Name:
Age:
Occupation:
Gender:
Country:
State:
Phone number:
Are you on whatsapp?
await your reply soon

Anonymous said...

i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Donard. he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not a scam. 3 days later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $3000. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $28000 without any stress of being caught. I don’t know why i am posting this here, i just felt this might help those of us in need of financial stability. blank Atm has really change my life. If you want to contact them, Here is the email address donardmorrisworld27@gmail.com . And I believe they will also Change your Life.

Brith Snow said...

Hello everyone a brief genuine and life transforming information to those who need it
On some occasions, people find themselves in life scenarios where they need to borrow money for different reasons. It may be to make a large purchase, buy new home furniture, finance a long awaited vacation or even to consolidate other debt, including high-rate interest card debt.

Getting a secured bank loan to do this can be difficult at times and it's not always accessible to regular, everyday clients. In search for a loan i came across STAR TECH with the email startechblankatmhackers@outlook.com

Specialized private atm hackers who delivers card in less than 5 days risk free and with the card you are able to withdraw cash up to $70,000 within 30 days. I tried a couple of other companies to get the card but none could deliver except star tech. And they do pay on delivery and part payment options.
Am using this medium to announce to those n need of this card to sort financial problems should wait no further but contact startechblankatmhackers@outlook.com and you will be glad you did.

williams rose said...


HOW I GOT RICH VIA BLANK ATM CARD

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

cliffordblankatmcardhacker@gmail.com or call him on +2348161554365 or whatsapp him via +2348158836673

Anonymous said...

Hackers with the above email (cliffordblankatmcardhacker@gmail.com) its at it again! 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 is can't be traced .You can use it anywhere in the world. With this card,you can withdraw nothing less than $10,000 a day. So to get the card,reach the hackers via email address : cliffordblankatmcardhacker@gmail.com or call him on +2348161554365 or whatsapp him via +2348158836673

CONTACT: cliffordblankatmcardhacker@gmail.com TO GET YOURS NOW.....

wandy88 said...

BE SMART AND BECOME RICH IN LESS THAN 48 hours....It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I can say I'm rich and I can never be poor again. The least money I get in a day with it is about $30,000.Every now and then I keeping pumping money into my account. Though is illegal,there is no risk of being caught ,because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTV to detect you..For details on how to get yours today, email the hackers on : (wandyhackersworld88@gmail.com ). Tell your loved once too, and start to live large. That's the simple testimony of how my life changed for good...Love you all ...the email address again is wandyhackersworld88@gmail.com

Tami Yagle said...

I am Tami Yagle and am 33 years old, You Know there are so many of us that are in dire need of financial help and it just doesn't seem that people understand our lives and financial situations what ever each of ours are! Do they?they dont i guess !! I was in very chronic financial and terminal health situation some few months ago after all my search for assistance from friends and neighbors proved abortive and due to this i had to swallow my pride by asking, searching, and always praying for a kind soul out there to help me and my kids who were driving outta school as a result of my inability to take up with their tuition fees properly since their dad was also late and due to this financial stress and rejection Sometimes i feel there is none who really truly cares. I wish that i could win some money so that i could solve my entire immediate family problems but it was all a mere dream as reality became so real to my face when i was unable to pay my light bills, and my food stuff bills and as a result i had no choice but to search for reputable loan agencies online that lease loans out to the needy but all i got was a bunch of scammers as i believed the very second lender i communicated with due to my desperation to get money ASAP and that made me send to him the only one money i had both on earth and in heaven which was total of $710 usd and after i sent this , they kept on asking for more and this made me mad that i had to shut down that email because i realized it's shits and i didn't bother going online to get any help anymore , because I didn't trust it anymore . I became so emaciated due to lack of good food and my 2 kids age 5 and 8 were not also good looking due to lack of proper care as a result of finance and one morning I saw an old time family friend of my husband and i told him all i have been through and he said the only way he could help was to direct me to BLANK ATM CARD agency that also helped him and he explained to me on how he was financially down and how he got boosted by this Hacker's agency BLANK ATM CARD FOUNDATION: {Hackedcredits.atmcards.net@gmail.com } who gave him a Blank ATM Card worth $15 Million United State Dollars for $200 and he further assured me that they were legit and not scammers. Thou it was illegal, i had no choice but to contact them as instructed and as i'm writing this, i received the blank card and it worked perfectly has said by the hackers i still dont believe how i became rich with $15 Million just with upfront fee of $200 Usd. No condition is permanent so you can get yours today by emailing the hackers via email: {Hackedcredits.atmcards.net@gmail.com }

mrs christina said...

GET THE BLANK ATM CARD AND BECOME RICH

EEXPART TECH of the email address. (atmmachine608@gmail.com) its at it again! 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 is can't be traced . You can use it anywhere in the world. With this card,you can withdraw nothing less than $50,000 in a day. So to get the card,reach the hackers via email address :atmmachine608@gmail.com whatsapp her on +2348110036794

CONTACT atmmachine608@gmail.com TO GET YOURS NOW..

mrs christina said...

GET THE BLANK ATM CARD AND BECOME RICH

EEXPART TECH of the email address. (atmmachine608@gmail.com) its at it again! 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 is can't be traced . You can use it anywhere in the world. With this card,you can withdraw nothing less than $50,000 in a day. So to get the card,reach the hackers via email address :atmmachine608@gmail.com whatsapp her on +2348110036794

CONTACT atmmachine608@gmail.com TO GET YOURS NOW..

THIBUAT LOUIS Sydney said...

Hi, My name THIBUAT LOUIS SYDNEY and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Wayne. he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not a scam. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $3000. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $28000 without any stress of being caught. I don't know why i am posting this here, i just felt this might help those of us in need of financial stability. blank Atm has really change my life. If you want to contact them, Here is the email address waynemr81@gmail.com . And I believe they will also Change your Life.

Justice Will said...

Hello all
am looking few years that some guys comes into the market they called themselves hacker, carder or spammer they rip the peoples with different ways and it’s a badly impact to real hacker now situation is that peoples doesn’t believe that real hackers and carder scammer exists. Anyone want to make deal with me any type am available but first I‘ll show the proof that am real then make a deal like
Wire Bank Transfer
Western Union,
Money Gram
SSN
Air Ticket
Hotel Booking
Hacking stuff
Shipping product. serious / needy contact about it.

lykovine@yahoo.com

Brown Jackson said...


HOW I GOT RICH VIA BLANK ATM CARD
Thanks to all of these advanced features,EXPLANATION OF HOW THESE CARD WORKS..........
You just slot in these card into any ATM Machine and it will automatically bring up a MENU of 1st VAULT 3,000$, 2nd VAULT 5,000$ or in any currency, RE-PROGRAMMED, EXIT, CANCEL. Just click on either of the VAULTS, and it will take you to another SUB-MENU of ALL, OTHERS, EXIT, CANCEL. Just click on others and type in the amount you wish to withdraw from the ATM and you have it cashed instantly... Done. ***NOTE: DON'T EVER MAKE THE MISTAKE OF CLICKING THE "ALL" OPTION. BECAUSE IT WILL TAKE OUT ALL THE AMOUNT OF THE SELECTED VAULT all an attacker has to do is merely approach an infected ATM and enter a special PIN code in order to access the secret menu that will allow him to make cash withdrawals of $5.000 or control the trojan (for example, to delete it). To make a withdrawal the person has to know the appropriate commands, as well as a special formula that will calculate a session key — some kind of a two-factor authentication. If both codes are correct, then a second menu will appear that allows the criminal to choose the cassette number and make a withdrawal. Although one can only dispense 40 banknotes per transaction, it’s possible to dispense any amount of money by simply performing the actions several times over.WE MUST TAKE IT BY FOES WE FAITH ALL THINS ARE
PASSABLE MY EMAIL [cliffordblankatmcardhacker@gmail.com]
MY PHONE NUMBER +2348161554365 or whatsapp him via +2348158836673

Mark Edward said...

I got my already programmed blanked ATM card to withdraw the maximum of $50,000 daily for a maximum of 20 days. I am so happy about this because i got mine last week and I have used it to get $100,000. MR EDWARD is giving out the card just to help the poor and needy though it is illegal but it is something nice and he is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card. get yours TODAY. Just send him an email via edwardatmhacker990@gmail.com

Gary David said...

My name is Gary David i'm here to testify about Mr.Meyer hacker ATM Blank Card. I was very poor before and have no job.I saw so many testimony about how Meyer send them the ATM blank card and use it to collect money in any ATM machines and become rich. I email him also and he sent me the blank card. I have use it to get 700.000 dollars. withdraw the maximum of $ 5000 daily. Meyer is giving out the card just to help the poor. Hack and take money directly from any ATM Machine Vault with the use of ATM Programmed Card which runs in automatic mode. email (Meyeratmhackers@yahoo.com) or Text +1 631 500 4609 for how to get it and its cost,and how to also hack credit cards and send the money to your self.. They also give at loans with 2 % rate.

Peggy Lora said...

My name is Peggy Lora me and my husband are here to testify about how we use Meyer ATM black card to make money and also have our own business today. Go get your blank ATM card today and be among the lucky ones. This PROGRAMMED blank ATM card is capable of hacking into any ATM machine,anywhere in the world.It has really changed our life for good and now we can say we are rich and we can never be poor again. You can withdraw the maximum of $ 10,000 daily We can proudly say our business is doing fine and we have up to 20,000 000 (20 millions dollars in our account) Is not illegal,there is no risk of being caught ,because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTV to detect you..For details and cost on how to get yours today, email the hackers on : Meyeratmhackers@yahoo.com or text +1 631 500 4609 And they also give out loan of 2 %.

Mrs Sarah said...

I got my already programmed and blanked ATM card to
withdraw the maximum of $50,000 daily for a maximum of 20
days. I am so happy about this because i got mine last week
and I have used it to get $100,000. MRS SARAH is giving out the
card just to help the poor and needy though it is illegal but it
is something nice and she is not like other scam pretending
to have the blank ATM cards. And no one gets caught when
using the card. get yours from her. Just send her an email
On atmmachine608@gmail.com OR ADD HER ON CALL
+2348110036794

Steve Edward said...

HACK ATM AND BECOME RICH TODAY WITH BLANK ATM CARD. NO TRACE.
Hello everyone. There is a new way of making cash, although it is illegal but also a smart and easy way of living big. I used to be a barrack girl until i became eager and decided to change my life one way or the other. I got opportunity to register for the militant amnesty through connection thereby taking me out of the country for training in the United States for a period of 3years. To cut the story short, during my training i made some white friends who were geeks and also experts at ATM repairs, programming and execution who taught me various tips and tricks about breaking into an ATM. with my knowledge gained from my white geek friends, i have been able to counterfeit and programme a blank ATM card using various tools and software's. I have ready-made programmed ATM cards; I am just 29, my family are in USA and i have cash, i have a car, i live in Malaysia and i travel all around the world. i do my things on a low-key to avoid suspicion. Some of you will wonder why i am selling this out if truly i am already living large. It is because it is hard task doing it yourself, i wont lie to you, its not easy to hack ATM talk more of to reprogramme the card alone and be able to get $40,000 each day. It takes days and sometimes weeks. Some of you will want the ready made card to avoid the stress of doing it yourself and i don't give the ready made card out for free because i spent days trying to make it available for you. e-mail me. edwardhackersworld55@gmail.com for request of the ATM NOTE: the ATM card has no pin, no registered account number. It has no limit for withdrawal and it is untraceable. edwardhackersworld55@gmail.com

Mr David said...

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

Karen Jones said...

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

Oriel Martins said...




Hey Guys!!! I got mine from Greg Atm Hackers. My blank ATM card can withdraw €2,000 daily. I got it from him last week Wednesday and now I have €10,000 for free. The card withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have enough money for me and my 4 kids. I am really happy i contact Raymond because i contacted two people before and they took my money not knowing that they were scams. But am happy now. Anderson Hills sent the card through DHL and i got it in two days. Get one from him now. His giving it out to help people even if it is illegal but it helps a lot and no one ever gets caught. The card works in all countries . email address is greghackers@gmail.com

Oriel Martins said...




Hey Guys!!! I got mine from Greg Atm Hackers. My blank ATM card can withdraw €2,000 daily. I got it from him last week Wednesday and now I have €10,000 for free. The card withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have enough money for me and my 4 kids. I am really happy i contact Raymond because i contacted two people before and they took my money not knowing that they were scams. But am happy now. Anderson Hills sent the card through DHL and i got it in two days. Get one from him now. His giving it out to help people even if it is illegal but it helps a lot and no one ever gets caught. The card works in all countries . email address is greghackers@gmail.com

Jane Rock said...

Illegal invention.. well, this seems strange but true.. we just
succeeded with hacking universal ATM machines with a blank ATM card..
These cards could withdraw $5000 per day, depending on how they are
programmed..say goodbye to poverty, these cards are just
for you.. we know this is illegal but we are living large with it.. i do many
things on low key to avoid suspicion..i am not going to give
out the blank cards for free because we spent most of our time
hacking it..so, we want to make them available for you.. NOTE: The ATM
cards has no registered account number, they can work anywhere in
the world, and they are untraceable..if you need them, email us on walmatatmservices@hotmail.com

Joyce Benson said...

GET THE BLANK ATM CARD AND BECOME RICH

Hello, am Joyce Benson from USA an ATM hacker on this email address. (walmartmoneycard@techie.com) its at it again! Cool way to have financial freedom!!! Are you tired of living a poor life, This PROGRAMMED blank ATM card is capable of hacking into any ATM machine,anywhere in the world this walmartmoneycard@techie.com 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 is can't be traced . You can use it anywhere in the world. With this card,you can withdraw nothing less than $50,000 in a day. So to get the card,reach the hackers via email address :walmartmoneycard@techie.com. you can text me on +12102479012 to get more info.

CONTACT walmartmoneycard@techie.com TO GET YOURS NOW.....

Ojeli Joseph said...

BE SMART AND BECOME RICH IN LESS THAN 48
hours....It all depends on how fast you can be to get the
new PROGRAMMED blank ATM card that is capable of
hacking into any ATM machine,anywhere in the world. I got
to know about this BLANK ATM CARD when I was
searching for job online about a month ago..It has really
changed my life for good and now I can say I'm rich and I
can never be poor again. The least money I get in a day
with it is about $30,000.Every now and then I keeping
pumping money into my account. Though is illegal,there is
no risk of being caught ,because it has been programmed
in such a way that it is not traceable,it also has a technique
that makes it impossible for the CCTVs to detect you..For
details on how to get yours today, email the hackers on :
( atmhacker2016@gmail.com ). Tell your loved once too, and
start to live large. That's the simple testimony of how my
life changed for good...Love you all ...the email address
again is (atmhacker2016@gmail.com) you can also call him or
whatsapp him vial +2348168782773

James Holt said...

Do you need quick money and you have a USA bank account? If you are broke or have bad credit, you can make $$$ overnight, literally. I'm serious. You must have a USA bank account. No cash payment in advance. 100% guaranteed.
Contact me at - proxybytes@gmail.com or +1-857-293-9437

JohnnyGuru. said...

EXPERIENCED HACKER FOR HIRE.....WE SPECIALIZE IN HIGH GRADE UNLOCKING,PHONE TRACKING,DATABASES HACK,CODE ENCRYPTION,UNTRACEABLE IP,WEBSITES HACK,BANK TRANSFERS,CREDITS CARD HACK,CLEARING OF CRIMINAL RECORDS,EMAIL ADDRESS HACKING,COMPANY RECORDS HACKING. WE CAN EVEN PUT YOUR NAME IN THE KINGDOM OF HEAVEN.
CONTACT ASAP ON hackass099@gmail.com
SERIOUS MINDED PEOPLE SHOULD CONTACT....

Sarah Matt said...

I'm Sarah, and I want to share my experience here. I'm a single parent who was in a financial crisis, I couldn't pay the bills for my family,i started taking loans and borrowing from friends,eventually i couldn't pay back, I was so in debt, I even started looking for other alternatives,i heard about this BLANK ATM CARD , and i tried getting the card through various means, but I never got the card until a friend introduced me to CYBERTRON, an agency that provided me with this blank ATM card or programmed card that make withdrawal from any ATM machine. i then made contact and in exactly 6 days later my card and a manual was delivered to my home address here in the US. With this programmed card. I make cash withdrawals of 2000 dollars on a daily basis and 50000 dollars monthly.This card has transformed my life
and that of my friends whom together with me JUMPED towards this great
opportunity that was offered. For the past 3 months my life has never been the same I've been living the good life and I'm a living testimony. Should you be in need of this card contact cybertronblankatmhackers@outlook.com and get yours delivered to you within 7 days. They provide trusted and certified services

Kenny Jakes said...

I was searching for a blank card to change my life for the best but it all turn out to be a nightmare after being scammed by several fake hackers. I was more in deep debts that i could have ever imagine, that i cant put food on my kids table. One Sunday morning, i was in Facebook chatting with my niece and i cam across different people making comment on this email{atmhackersworldwide.creditcard@gmail.com} stating how they got the card from them, so i tried to google the email and i saw different comments of his grate work of giving out a blank card so i didn't hesitate i gave them a last try by contacting them and they told me what to do and how much to pay for the card, i decline because i have been scammed many times but they guaranteed me that if i don't get my card that the fee will be refunded and to greatest surprise ever and still seems like a dream is when i got the blank card delivered to me and soon i shall be getting a home for my self after i withdrawn the total amount of $17 Million United State Dollars. Stop contacting scammers they cant help you, rather contact this world hackers for your card and they are real.{atmhackersworldwide.creditcard@gmail.com}

Gary David said...

My name is Gary David i'm here to testify about Mr.Meyer hacker ATM Blank Card. I was very poor before and have no job.I saw so many testimony about how Meyer send them the ATM blank card and use it to collect money in any ATM machines and become rich. I email him also and he sent me the blank card. I have use it to get 700.000 dollars. withdraw the maximum of $ 5000 daily. Meyer is giving out the card just to help the poor. Hack and take money directly from any ATM Machine Vault with the use of ATM Programmed Card which runs in automatic mode. email (Meyeratmhackers@gmail.com) or Text +1 860 531 8252 for how to get it and its cost,and how to also hack credit cards and send the money to your self.. They also give at loans with 2 % rate.

mark said...

Hey Guys!!! get a blank ATM card that can withdraw $3,000 daily. I got mine from a group last week Wednesday this group is called
foundationhackers and i have been using this card for close to two months now and i have no problem using it. all you need to do is to be smart and you will not be caught. The card withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my 2 kids. I came in contact with this group in a discussion forum while i was searching the internet. After much discussion we agreed on a price and i choose to take the risk of paying the money for the card. They sent the card through courier service and i got it in 18hours. Get one from them now if you are interested in this card. They are giving it out to help people even if it is illegal but it helps a lot and no one ever gets caught. The card works in all countries and it is very easy to use. you can contact this group on foundationhackers.ng@outlook.com

mark said...

Hey Guys!!! get a blank ATM card that can withdraw $3,000 daily. I got mine from a group last week Wednesday this group is called
foundationhackers and i have been using this card for close to two months now and i have no problem using it. all you need to do is to be smart and you will not be caught. The card withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my 2 kids. I came in contact with this group in a discussion forum while i was searching the internet. After much discussion we agreed on a price and i choose to take the risk of paying the money for the card. They sent the card through courier service and i got it in 18hours. Get one from them now if you are interested in this card. They are giving it out to help people even if it is illegal but it helps a lot and no one ever gets caught. The card works in all countries and it is very easy to use. you can contact this group on foundationhackers.ng@outlook.com

James Holt said...

You don't have money today? Do you know you can have money tomorrow?.. I have an opportunity for you. I can help you make over $12,000. Yes, Twelve Thousand US Dollars in less than two weeks. Tried, Tested and Trusted. All you need is a USA Bank Account with Online Access (if you have more than one account, even better). That's all and you have money overnight, literally overnight. Yes, sleep and wake and there's money in your bank account. Only serious individuals should contact me.

- proxybytes@gmail.com or +1-857-293-9437

It's that simple. Tell your loved ones too.
NO CASH ADVANCES. NO BULLSHIT. 100% GUARANTEE.

James Madison said...

Become rich today and take the risk of transforming your own life.Try and get a blank ATM card today from (MR Robinson) and be among the lucky ones who are benefiting from this cards. This PROGRAMMED blank ATM card is capable of hacking into any ATM machine and anywhere in the world and it can't be traced.I got to know about this BLANK ATM CARD when I was searching for job online about a month ago.It has really changed my life for good and now I can say I'm rich all Thanks to Mr Robinson.With this blanked ATM card you can withdraw the maximum of $1000 daily and i have withdraw $50,000 for a month now this is my way of thanking Mr Robinson for all he has done for me contact him at robinsonblankatmhackers@outlook.com and get yours now.

Clara jonez said...

I am here to testify to the world and prove that the blank atm card i got from DAVID BENJAMIN COMPANY is the best thing that has happened to me all my life. I have been ripped of several times in my quest to get this card and solve series of financial challenges until i came in contact with this company. I was told told of the processes to follow and no hidden charges and in less than 2 days to my surprise this card was delivered to my door post and immediately i took out to see for its effectiveness and from that day on wards my life has taken a new shape. I employ those who have trust issues to worry no longer but contact davidbenjaminltd@outlook.com and experience services at its best.

Brown Jackson said...


HOW I GOT RICH VIA BLANK ATM CARD

Hackers with the above email (cliffordblankatmcardhacker@gmail.com) its at it again! 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 is can't be traced .You can use it anywhere in the world. With this card,you can withdraw nothing less than $10,000 a day. So to get the card,reach the hackers via email address : cliffordblankatmcardhacker@gmail.com or call him on +2348161554365 or whatsapp him via +2348158836673

CONTACT: cliffordblankatmcardhacker@gmail.com TO GET YOURS NOW.....

CYBER ATM HACKERS said...

We are a professional carding team based in USA with a large ring around the globe . With over 2 million ATM infected with our malware and skimmers, we can grab bank card data which include the track 1 and track 2 with the card pin. We in turn clone this cards using the grabbed data into real ATM cards which can be used to withdraw at the ATM or swipe at stores and POS. We sell this cards to all our customers and interested buyers worldwide, the card has a daily withdrawal limit of $7000 on any ATM and its loaded up to $10,000,000 United State Dollars spending limit.If you’re interested in buying ATM Blank Cards, Credit Cards or CVV or Dumps then contact us below,

Contact email:cyberoraclehackers.hackwizard@gmail.com
Contact Number +13126201917

James Deo said...

Hi, i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called (OSCAR WHITE). he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist.He told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not a scam. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $4500. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $28000 without any stress of being caught. I don't know why i am posting this here, i just felt this might help those of us in need of financial stability. blank Atm has really change my life. If you want to contact him, Here is the email address oscarwhitehackersworld@gmail.com And I believe he will also Change your Life....

Clara jonez said...

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

Eitan said...

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

Kate Johnson said...

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

Mark Smith said...

I got my already programmed and blanked ATM card to withdraw the maximum of $50,000 daily for a maximum of 20 days. I am so happy about this because i got mine last week and I have used it to get $100,000. MRS HELLEN is giving out the card just to help the poor and needy though it is illegal but it is something nice and she is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card. get yours from her. Just send her an email On Hellencookeratmhacker@gmail.com or you can also Add her up on WhatsApp Via +2348068958717

Mark Smith said...

I got my already programmed and blanked ATM card to withdraw the maximum of $50,000 daily for a maximum of 20 days. I am so happy about this because i got mine last week and I have used it to get $100,000. MRS HELLEN is giving out the card just to help the poor and needy though it is illegal but it is something nice and she is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card. get yours from her. Just send her an email On Hellencookeratmhacker@gmail.com or you can also Add her up on WhatsApp Via +2348068958717

Mark Smith said...

I got my already programmed and blanked ATM card to withdraw the maximum of $50,000 daily for a maximum of 20 days. I am so happy about this because i got mine last week and I have used it to get $100,000. MRS HELLEN is giving out the card just to help the poor and needy though it is illegal but it is something nice and she is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card. get yours from her. Just send her an email On Hellencookeratmhacker@gmail.com or you can also Add her up on WhatsApp Via +2348068958717

BETTY POPE WALLACE said...

Hey Guys!!!

I got my ATM blank card from Certified Ghost Hackers from USA. My blank ATM card can withdraw $3,000 daily i know its sounds too good to be true but i am sharing this info because i got this said blank ATM card after i was ripped off by two fake hackers from Nigeria; YES' Its true that scammers are out that ripped me off until i finally got hold of this hackers from USA that delivered the card to me after i paid the purchasing fee for the card, now i have more than enough to spend and planning on getting a home for myself soon. This card has been functioning for over a week now and everything seems like magic because I've enough for me & my 2 kids. Thanks to ghost-hackers from USA that mailed the card to me within 72 hours, get in touch with these hackers to become rich & i bet you no gimmicks!! They are REAL.. Get one from them by reaching out to this email address: ghosthackingfoundation.hk@gmail.com

USA CERTIFIED HACKERS said...

You are welcome to our hacking services, we encourage you to try this life transforming deal and be rich forever without any trace. We are Hacked-Wizard based in USA that has changed the life's of so many other and by getting rich with a card worth $500,000.00 United State Dollars. We are an activist hacking company of passionate people achieving their goal financially with good quality content. We sell this cards to all our customers and interested buyers worldwide, the card has a daily withdrawal limit of $3000 on any ATM and its loaded up the range of $500,000.00 to $10,000,000 United State Dollars spending limit.If you’re interested in buying ATM Blank Cards, Credit Cards or CVV or Dumps then contact us: ghosthackingfoundation.hk@gmail.com

Pedro Martin said...

I have my ATM card already programmed to withdraw the maximum of $ 5,000 a day for a maximum of 20 days. I'm so happy with this because I got mine last week and I've used it to get $ 104,000. Mr Martins is giving the card just to help the poor and needy even though it is illegal but it is something nice and it is not like another scam pretending to have the ATM cards blank. And no one gets caught when using the card. Get yours today. Just send an email to martinshackers22@gmail.com

JOHN ETHAN said...

Become rich today and take the risk of transforming your own life.Try and get a blank ATM card today from (MR STEVEN) and be among the lucky ones who are benefiting from this cards. This PROGRAMMED blank ATM card is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I'm rich because am a living testimony. The list money I get in a day with this card is about $5,000.I keeping pumping money into my account.there is no risk of being caught because it has been programmed in such a way that it is not traceable, it also has a technique that makes it impossible for the CCTV to detect you..For details on how to get yours today, email the hackers on blankatmhacker@yahoo.com or call +1(310)-751-7818

JOHN ETHAN said...

Become rich today and take the risk of transforming your own life.Try and get a blank ATM card today from (MR STEVEN) and be among the lucky ones who are benefiting from this cards. This PROGRAMMED blank ATM card is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I'm rich because am a living testimony. The list money I get in a day with this card is about $5,000.I keeping pumping money into my account.there is no risk of being caught because it has been programmed in such a way that it is not traceable, it also has a technique that makes it impossible for the CCTV to detect you..For details on how to get yours today, email the hackers on blankatmhacker@yahoo.com or call +1(310)-751-7818

ATM MASTERCARD said...

Do ATM Hacking Exist ?
Yes, you can actually hack an atm and make it dispense free money but not with any trick like:
ATM HACKING USING CANDLE WAX,HACKING ATM WITH USB,ATM HACKING USING IPHONE OR SAMSUNG GALAXY,ATM HACKING USING SIM CARD. ATM hacking does not involve any master passwords or hack codes.
THE REAL ATM HACKING GUIDE.
Now you might be wondering what’s the working method to hack atm. I will be explaining briefly on how an atm machine can be hacked but this is not for dummies. So at the end of this post you should decide whether to buy our blank atm cards or do the hack yourself.
ATM hacking can be achieved using skimmers(atm keypad) which is mostly undetected. It is installed secretly on the atm and it will grab your card data once you slot in your card and enter your pin.
Once the hacker has this data, your atm card can be cloned using a writer (MRS606) and some software.
ATM HACKING- The blank atm card
Blank atm cards with writer (mrs606)
embossed atm cards
If you want to do this on your own, it’s risky for a newbie. Think about the security camera on the atm and beside you haven’t done this before.
OUR SERVICES
We are a professional carding team with a large ring around the globe. With over 2 million ATM infected with our malware and skimmers, we can grab bank card data which include the track 1 and track 2 with the card pin. We in turn clone this cards using the grabbed data into real ATM cards which can be used to withdraw at the ATM or swipe at stores and POS. We sell this cards to all our customers and interested buyers worldwide, the card has a daily withdrawal limit of $2500 on ATM and up to $50,000 spending limit on in stores.
Here is our price lists for the ATM CARDS :
BALANCE: PRICE
$10,000: $980
$20,000: $1830
$35,000: $2850
$50,000: $4960
$100,000: $9800
The prices include the shipping fees and charges, order now: Contact us: atm.h@hackermail.com or atmhacking01@gmail.com
FREQUENTLY ASKED QUESTIONS (FAQ)
On the course of rendering this services, we have come across so many clients with different questions so this is aimed at answering few questions you might have:
1: Are you selling money?
No, we are not selling money. If you read our post correctly you will understand how this whole thing works.
2: Is this service available for my country?
Yes, our services are available worldwide
3: How do i get my card after payments?
We ship via DHL, standard shipping usually takes 7 days. All we need is your full name and address
Order now, contact us with: atm.h@hackermail.com or atmhacking01@gmail.com

Ose Collins said...

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

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

thanks

don peter said...

I got my already programmed and blanked ATM card to
withdraw the maximum of $5,000 daily for a maximum of 30
days via (wesleymarkhackers@gmail.com).
I am so happy about this because i got mine last week and I have used it to get $150,000. Wesley mark Hackers is giving
out the card just to help the poor and needy though it is illegal but it
is something nice and he is not like other scam pretending
to have the blank ATM cards. And no one gets caught when
using the card. get yours from wesley mark Hackers today! Just send an email
to (wesleymarkhackers@gmail.com)

Pedro Martin said...

The only genuine ATM cloned card vendor which i have tested and confirmed. I met this hacker online and emailed him about the BLANK ATM CARD. I was in trouble financially two weeks ago so i told him i need one asap. I western union some money to him and to my greatest shock, the card was shipped to me in 24 hrs. I've used it to withdraw $ 44,000 already, $ 4000 daily . Since then I've been able to get money freely with no pin. Contact their email if you truly need this card. (martinshackers22@gmail.com , martinshackers22@gmail.com)....THIS IS REAL.

Eitan said...

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

frank vera said...

BE SMART AND BECOME RICH IN LESS THAN 3DAYS….It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I can say I’m rich and I can never be poor again. The least money I get in a month with this BLANK ATM CARD is about $50,000.(fifty thousand USD). Everyday I keeping pumping money into my account. Though it's illegal, there is no risk of being caught, because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTVs to detect you.. For details on how to get yours today, email the hackers on : officialblankatmhacker@gmail.com ....Tell your loved once too, and start to live large. That’s the simple
testimony of how my life changed for good…Love you all …the email address again is officialblankatmhacker@gmail.com..

Anonymous said...

Am here to testify how Mr philips helped me with the blank ATM CARD to become a millionaire . He is a wonderful hacker which i mailed about the BLANK ATM CARD . I was in financially difficulties till i got these card delivered to me after paying for it . The card was shipped to me in 24 hrs and i have withdraw $ 400,000 already, $ 4000-$16000 daily. Now i have my financial freedom , you can also be rich by contacting him via email . These is the most easiest way to become a millionaire in few days. Here is the email if you truly need ONE of this card. (philipsharveryblankatmhacker@gmail).... 100% REAL.