Friday, February 27, 2015

Small, Micro and Cottage Business Ideas



Almost everything you want to do requires some type of monetary input. If you are working for an hourly wage, you do not have much if any control over how much money you make. I cannot tell you how many times I have heard people try to use a fixed income as a bargaining strategy, but unless someone owns their own business or is paid commission everyone is on a fixed income. At my regular job I am only allowed to get 40 hours a week, that is a fixed income. What I make may not be as tight as others, but it is also not as flexible as some.

What do you need to get out of debt? Build an emergency fund? Do something a little extra around the home? Just become more self reliant? You need to either cut expenses or earn more money. Say you have cut your expenses as far as you can, how can you earn more money if you are paid an hourly wage enter the small or micro business. When your sole source of income is a corporation you are at the mercy of someone else who most of the time has never met you. Having a small business can give you some security and a sense of fulfillment. So how do you start a small business or what business should you start?

What is a Small, Micro, and Cottage business?


Small Business. 

A small business is actually much larger than I thought, but varies by industry. For the purpose of our discussion a small business is one that has less than 500 employees but more than 5. Individually owned (no stockholders). For profit and not dominant in their field.


Micro Business. 


A micro business is less than 5 employees normally manned by family and friends usually on a part-time basis. Micro businesses are typically ran out of a home or outbuilding on an individual's property. The average micro business requires no or little start-up capital, usually less than $35,000. Micro businesses can be either service or product based.

Cottage Business.

A Cottage Business is one that is operated from home with typically no more than 2 employees. Cottage businesses tend to be part-time in nature, but do not have to be. The focus is normally on manufacturing or production. Service type businesses are not included in the cottage business model. Knitting, sewing, honey, soaps or other body care products, and things like that tend to dominate. Most things produced in a cottage business tend to be labor intensive. 

Personal inventory


Now that we have a good understanding of the types of smaller businesses, we will dive into what you will need to look at to decide what business you/we should build for ourselves. We have to take an honest look at ourselves to decide what business we might do well in. 

What are your/our skills and talents?


In order to make anything a profitable business, you must lean on your strengths.  If you are really good at knitting, cooking, or sewing these may be things you could look at offering as a business. Homemade items tend to bring a premium from those who care about such things, but the items have to be quality. If you are good at teaching, you might find that teaching others the skills that you are good at may make you more money than making things and selling them.

What do you enjoy?


It doesn't really matter how good you are at something, if you don't enjoy it, you will not stick with it. As an example I do not like mowing the yard. Mowing the yard is my idea of absolutely nothing left to do. There are some people who truly enjoy mowing the yard. Now, I love being outside and doing a variety of things, but riding back and forth just watching grass fly is not fun for me. If I were going to start a new business, I would not start a lawn care business. I might start a landscaping business and subcontract out the mowing part, but I do not want to have to spend several days a week mowing.

What tools do you have now?


If you are wanting to start a business and not go into any debt in the process, you will have to use what you have on hand now. If you are really good at construction or repair and you have some basic tools, this is something that you could start anytime you wanted. If you are thinking about going into lawn care and you only have a push mower, you could start your business, but the operations of the business would be greatly restricted by your equipment. The equipment you have will help you determine either what business you wish to start or how soon you could start your business.



Local Laws


Okay, this one is a biggie. You will have to talk to someone at your local courthouse to determine what laws will apply to your new business idea. There are some cities that are very anti small/micro business. There have been cities that have shut down bake sales for local nonprofit organizations because they did not purchase the proper permits. Police have shut down children's lemonade stands. Officials have confiscated and/or destroyed garden produce because licenses were not in order all under the guise of trying to make sure people are safe. Um okay. 

Common Law Issues

If you are a good cook and enjoy doing so you might want to start a business where you cook for those who are physically impaired. You may find that it is illegal for you to cook meals in your home and take them to your customers, but perfectly legal for them to hire you to cook those meals in their home. 

In certain cities and communities you may learn that in order to be paid to cut someone's grass you have to attend a class and be certified as a lawn care technician. There is a community not far from where I live in which that is the case, oh and the class is $300.00 a year. If you are just wanting to make a little side money that alone could knock that idea out. Ask questions, learn as much as you can or you could face fines. You may learn that you live in an area where everything is regulated. I hope not, but it does happen.

Location, Location, Location

This is just a fact of life. Where you live determines some of the types of businesses that you can start. The higher the population density and socioeconomic scale your area is the easier it will be to start a micro or cottage business. I am not saying that if you are very rural you cannot start a business. What I am saying is the more rural you are might determine some businesses unfeasible and will mean that you may have to work harder to create a market or that you will have to deal with distribution on a larger scale that someone who is suburban or urban.

Pet sitting or baby sitting businesses tend to do well in suburban environments. If you were to try to start a pet sitting business in a very rural area, it could quickly turn into a temporary farm hand business. Nothing wrong with doing  temporary farm hand work if that is what you like, but the business will change based on where you are.

Low or No Cost Business Ideas

We are going to talk about as many low or no cost business ideas as I can come up with. For the purpose of this discussion a low start up cost business is one that can be started for less than $500. This price will include all initial capitol equipment, advertising, and if necessary licences. Since I am including licences this list will vary greatly based on your local government's greed.

Pet Sitting

Pet sitting can be a great micro business. Pet sitting tend to have the least regulations and can be advertised with word of mouth fairly easily. Initial start up cost very small if any. Of course you have to like animals and you have to be willing to welcome small pets into your home. Things to consider:
  • Get to know the animal. The last thing you want is to agree to keep a dog or cat in your home only to find out that the animal is not friendly or even worse the animal is a biter. Being bitten by a small dog hurts. It hurts bad. If you have children you will need to know if the animal likes children.
  • The animal's veterinary information. If something were to happen you will need to know where to take the animal.
  • If the animal has to go to the vet who will pay? It is really bad to get paid $10.00 a day (or whatever) only to have the animal get sick and you wind up owing hundreds of dollars of veterinary expenses.
  • The animal's health history. If a pet requires medicine or has allergies, you need to know. 
  • Contracts. Sorry but if you are going to do much pet sitting you will need a good contract. This will detail how long the pet will be with you, the payment terms, what to do in case the pet needs medical attention, what you will do with the pet if it is abandoned, and a lot more. You can have an attorney draw up a contract for you or you can create your own Here. If you only pet sit for family and friends you may not need this, but trust me. I have had a pet left with me and had to find it another home.
  • Do a little extra. If you really want to make a name for yourself pet sitting, do something a little extra. It could be something as simple as brushing out the pet or even bathing the pet. Taking the extra step will really get your customers talking. 

Baby Sitting

What was once only thought of as a part-time job for teenage girls has turned into a business in many areas of the country. Like pet sitting word of mouth is your best advertisement and there is very little start-up costs. Things that need to be considered are: Will you be keeping the children in your home or the home of the parents? How late will the parents be out? What do they expect you to do while you are taking care of their children? You must have contact information and know any allergies the children have. Being certified in CPR is a big plus.

Like pet sitting, do a little extra. If keeping the children in their home this could be washing the dishes after you have feed the children or just cleaning up the living room a little. This will leave a lasting impact.

House Cleaning

You will need a fairly affluent market in order for this to be feasible. As people's schedules continue to fill with all kinds of things many are finding less and less times to do things at home. I have known several people who hired individuals to clean their homes. This does not require much to get started, just an attention to detail and a little bit of OCD. Most times you will be using supplies that are provided by the homeowner. The only extra things you will need are the specialty cleaning items that you must have.

Garden or Farm Produce

I have never produced so many chicken eggs that I couldn't sell them all, but I have produced so much squash that I couldn't give it away. With farm produce you have to be smart. If everyone with a garden produces something in your area, you are not going to make a lot of money producing that item. Squash and zucchini are good examples, not everyone likes them and those that do can grow them fairly easily. These produce in such abundance that if you have three plants you will be trying to get rid of squash and zucchini. 

Anything having to do with animals can do well as a small business. Eggs at least around here are a very easy sell. Raising chickens for meat has also done really well locally. Selling hogs, beef cattle, raw milk, quail, you name it, can do really well. There can be a start-up cost but it doesn't have to be high. If you have the room this can be an idea for you. Remember to check local laws. Here in Alabama if you sell raw milk it must be labeled Not For Human Consumption.

Economies of Scale. With many businesses you will run into something called economies of scale. What economies of scale means is that as you produce more of an item or type of item, the cost of production for each additional item goes down. Why is this the case? Once you have your capital investments done you do not have to do that again. Your fixed costs are set.

Handyman 

If you are a decent carpenter or good at repairs you probably already have your tools. This type of small business can be as big or as small as you like. In many areas basic repairs are not regulated. If you can do basic plumbing and/or basic electrical you could be in good. Plumbing and electrical tend to be more regulated than basic carpentry.

Teaching

If you excel at a skill that others would like to learn, teaching can be an awesome side business. Crafting makes for easily started classes. Knitting, sewing, cooking, and several more do well. I have taught several classes over the years. I have taught basic dog obedience, tracking, competition obedience, foraging, and am now teaching basic preparedness courses. Teach something you are passionate about.

Homemade Items

I am continually astounded by the growing interest in homemade beauty care and homemade cleaning products. I know several people who are making a nice side income making lip balms and beauty care products. This is something that my wife and I are going to do this summer. Not to sell, we just want to move away from all of the chemicals. 

Medium Level Initial Investment

All of these can still be a micro business, but can be scaled up or down dependent on the demand. For us medium level initial investment means over $500. These can still be a small family operation.

Welding

If you have the skill, this is a great business, especially if you have a mobile welding unit. Welding is a skill that if you do well you can be in high demand. I have personally paid someone to weld for me because I did not have the equipment.

Elite Services

In the past I have owned and operated two businesses that could be called elite services. What do I mean by elite services? Services that are only used on special occasions that would be considered a luxury. A limousine service would fall into this category but would have a very high initial investment.

Dove Releases. You may have seen one of these. They normally occur at either weddings or funerals. White "doves" are released either from a cage or a basket. They fly around, look real pretty an then go home. Here is a little secret. The white doves that are released at these ceremonies are actually white homing pigeons. Pigeons breed like rats so it is easy to expand your release business. I started out with 3 pairs and by the time I sold the birds I had 20 and some of the birds that were released didn't make it home. Make sure that you purchase birds that are less than 6 months old. If you purchase birds much older than that as soon as you let them out of their loft they will go to their previous home and the owner can keep them or sell them again. Sorry I don't have any photos of my old business, but I can tell you I have been out of this business for about 12 years and I got a call the other day asking if I still did releases.

You can learn more about purchasing white homing pigeons at The American White Dove Release Association.  I used the old Department of War training guide you can find that HERE.   Oh, by the way. Do not do a release on opening day of dove season. Very few will make it home. Trust me I know.

Carriage Service. This one can be a fairly large initial investment, but if you hustle can make some good money. I purchased my carriages from Robert's Carriages in Canada. At the time they were very affordable and delivered right to my farm. I charged $300 for two hours for a wedding and did things like proms, festivals and parades. Not only did this provide me a good income while I was going to school, I was able to sell the business when I was ready to get out of the business. I was able to find some old photos of the carriage service.



Here are my words of warning on a carriage service. 
  • Have a good contract. I have had to stand in the rain for hours waiting on a wedding to end, that by the way ended late, very late. Oh and I got a $1.00 tip
  • Presentation is everything. If you are not good at decorating learn. Some wedding parties will want to decorate themselves, have something in the contract about additional non riding hours.
  • Have a cancellation policy.
  • Require a deposit
  • Decide where you will offer your services. When I was running the carriage service, I covered all of North Alabama. At one time I had to have business licenses in 6 cities all in the same year. Research is key.

Final Thoughts


If this a complete list? Oh no. This list could go on forever. Figure out what people want or need and be able to give it to them. Your creativity and drive will help ensure your success. Just because you run into roadblocks does not mean your business is a bad idea.

Proverbs 16:3 Commit your work to the Lord, and you plans will be established.

Do your math well. The last thing you want to do is price your goods or services too high or too low. Both will run you out of business. One by wearing you out and the other by rusting you out. Either way you are still out.

Don't be afraid to reach out to others who are doing the same thing in different areas. Thanks to the internet we have networking abilities that have never been seen before. There is always someone who will be willing to answer your question.

Being your own boss at least part of the time is one more way we can all....

Bring Rural Back

Have something to add to this topic join the Forum on The Rural Economist. If you would like to contribute to the conversation we would love to have you join us. It is brand new, but I am sure it will grow. 




Subscribe to our mailing list

* indicates required




You can like The Rural Economist on Facebook follow on The Rural Economist on Gplus. We now have a YouTube channel and we cover all sorts of things. Hop on over and check them out, oh and don't forget to subscribe. I have just joined Instagram if you would like you can follow us HERE. We will be sharing several things over the next year, I hope to see you there.

Check out The Rural Economist on Pinterest

Affiliate Link Disclosure: This post may contain affiliate links. I may receive compensation for links, endorsements, testimonials, or recommendations for any products mentioned on this blog. Any time you use one of our links for Amazon, if you purchase something The Rural Economist receives a small commission and it doesn't cost you any more. Even if you do not purchase the items I list. In this way you will help support us trying to teach people about self reliance and homesteading. Thanks for your consideration.

31 comments:

  1. Permit me to introduce you to LE-MERIDIAN FUNDING SERVICES. We are directly into pure loan and project(s) financing in terms of investment. We provide financing solutions to private/companies seeking access to funds in the capital markets i.e. oil and gas, real estate, renewable energy, Pharmaceuticals, Health Care, transportation, construction, hotels and etc. We can finance up to the amount of $900,000,000.000 (Nine Hundred Million Dollars) in any region of the world as long as our 1.9% ROI can be guaranteed on the projects.
    Le-Meridian Funding Service.
    (60 Piccadilly, Mayfair, London W1J 0BH, UK) Email Contact Info...lfdsloans@lemeridianfds.com

    ReplyDelete
    Replies
    1. 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 Mr Frank. 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 only 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.. Four days later I received my card and tried with the closest ATM machine close to me, to my greatest surprise It worked like magic. I was able to withdraw up to $5,000 daily. ATM has really change my life. If you want to contact them, Here is the email : mrfrankblankatmcard@gmail.com

      Delete
    2. ARE YOU LOOKING FOR A WAY TO GET MONEY HERE IS YOUR OPPORTUNITY NOW!!!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 my 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 be among their evil deeds. haven’t given up i kept searching for job online when i came across the testimony of a lady called Bella regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacker called Ben Email: bensadeghipourhackerones8@gmail.com and he told me the procedures and along with the 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 his words and to my greatest surprise, i received an ATM card worth $4.5 million USD , All Thanks to Mr Ben , if you are facing any financial problem contact him asap email address is bensadeghipourhackerones8@gmail.com
      He is a legit hacker.

      Delete
  2. I loved reading this article. I was thinking of starting any business. This blog really helped me in the idea of startup. Thanks for posting.
    startup ideas

    ReplyDelete
  3. This comment has been removed by the author.

    ReplyDelete
  4. Hello Everyone out there! I'm Alexanda hook, from Usa I am using this medium to announce to the general public on how Houston Loan Firm Company restored happiness to my home again, through the help of Mr Houston, When all hope was lost they granted me a loan sum of $50,000 on the 7th of February 2019 to settle my debts and start up a business of my own. They saved me and my family from loosing our home as we were not able to pay tax bills. I am writing this message cause I feel it might be important for you out there seriously in need of a genuine loan in other for you not to fall into the wrong hands in search of a liable loan,I strongly advice you to contact this company via email: Houstonloanfirm@yahoo.com

    ReplyDelete
  5. Thank you for sharing information. Great blog and great post.Its extremely supportive for me, waiting for a more new post. Continue Blogging!

    Starting Your Own Business & How To Create A Company

    ReplyDelete
  6. I want to use this miduim to thank Mr Houston for the good work he render to me, is with great joy and enthusiasm that i write on this internet forum because i finally have received my loan from a certain genuine lender whose name is Mr Houston ,his company name is Houston Loan Firm and for the good of you all who are still looking for a loan, this lender is endowed with all the good characteristics of a real loan lender . Judging from the loan they gave to me , their fast and reliable system of lending is not to be compared with any other,this is why i recommend any person seriously looking for a loan to contact him today and i am sure that he is willing to do for you what he has already done for me .

    Contact the lender on this email today: Houstonloanfirm@yahoo.com

    Thanks

    ReplyDelete
  7. "nice blog! It will definitely encourage people to start their own business, yes it encouraged me also the best thing in here is list of business ideas is separately given which is helping in sorting out of benefits and drawbacks .
    Thank you Start up business"

    ReplyDelete
  8. I really like your Blog. Thanks to Admin for Sharing such useful information. Addition to this here I am sharing One more similar Story Time Saving Tips for Small Businesses.

    ReplyDelete

  9. Do you need an urgent blank ATM CARD to solve your financial needs and i just want to tell the world my experience with everyone. i discovered a hacking guy called Mike. he is really good at what he is doing, i inquired about the BLANK ATM CARD. if it works or even Exist, then i gave it a try and asked for the card and agreed to their terms and conditions. three days later i received my card and tried it with the closest ATM machine close to me, to my greatest surprise it worked like magic. i was able to withdraw up to $4000. This was unbelievable and the happiest day of my life. there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate into it because it have been programmed with various tools and software. i just felt this might help those of us in need of financial stability. The card have really change my life. if you want to contact them, HERE is the email: blankatm156@gmail.com

    ReplyDelete
  10. TESTIMONY!!! thanks to you for helping me get this loan i will for ever be grateful to you i will forever give testimony about your good company i will advice any one in need of a loan to contact this loan company for help this is his direct email via Houstonloanfirm@yahoo.com once again thank you Mr Houston for what you did in my life

    ReplyDelete
  11. Hello everyone, I'm Patricia Sherman in Oklahoma USA right now. I would like to share with you my experience of borrowing USD 185,000.00 to clear my bank draft and start a new business. It all started when I lost my house and I took my stuff because of the bank policy and I met some bills and some personal needs. So I became very desperate and started looking for funds in every way. Fortunately for me, a friend of mine, Linda told me about a credit company firm, I was intrigued by the fraud, but I was intrigued by my situation and had no choice but to get advice from my friend about this company. contacting them really doubted me because of my past experience with online lenders, did you know that little? '' Elegantloanfirm@hotmail.com This company has been very helpful to me and my colleague and today, thanks to this credit company, the proud owner of well-organized work and responsibilities, they smiled back at me. So if you really need to grow or start your own business, or if you really need to borrow money in any financial hardship, we recommend you find a financial development opportunity in your business today. {E-mail:} Elegantloanfirm@hotmail.com ... online for credit not a victim of scam. Thank you.

    ReplyDelete
  12. Thanks for sharing this information. It’s really useful for small business ideas. If you are starting the new company or business. We provide the best service for small business idea.
    Visit let's build business in texas

    ReplyDelete
  13. HOW TO GET BLANK ATM CARD AND WITHDRAW
    UNLIMITED CASH
    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 blankatmdeliveryxpress 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 purchase one from them with almost my last dollars I took the risk and in exactly 6 days latter my card and a manual was delivered to my home address here in California and that same evening i used the card was able to take out $5000 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 electronic company and help spread their fame abroad. If you ever are in need of this card contact them via email :blankatmdeliveryxpress@gmail.com.
    Don't mail them if you not really ready for this card is gonna cost you money to buy the card note that,they offer card to firms, orphans,individual and business personnels mail them immediately .

    ReplyDelete
  14. HOW TO GET BLANK ATM CARD AND WITHDRAW
    UNLIMITED CASH
    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 harryblankatmharckers 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 purchase one from them with almost my last dollars I took the risk and in exactly 6 days latter my card and a manual was delivered to my home address here in California and that same evening i used the card was able to take out $5000 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 electronic company and help spread their fame abroad. If you ever are in need of this card contact them via email :dicksonharryblankatmharckers@gmail.com .....
    Don't mail them if you not really ready for this card is gonna cost you money to buy the card note that,they offer card to firms, orphans,individual and business personnel's mail them immediately .....

    ReplyDelete
  15. Do you need an urgent loan of any kind? Loans to liquidate debts or need to loan to improve your business have you been rejected by any other banks and financial institutions? Do you need a loan or a mortgage? This is the place to look, we are here to solve all your financial problems. We borrow money for the public. Need financial help with a bad creditor in need of money. To pay for a commercial investment at a reasonable rate of 3%, let me use this method to inform you that we are providing reliable and helpful assistance and we will be ready to lend you. Contact us today by email: daveloganloanfirm@gmail.com Call/Text: +1(501)800-0690 And whatsapp: +1 (315) 640-3560

    NEED A LOAN?
    Ask Me.

    ReplyDelete
  16. This post is likeable, and your blog is very interesting, congratulations for more info: long term investment stocks

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

    I am Mrs,Leores J Miguel by name, I live in United State Of America, who have been a scam victim to so many fake lenders online between November last year till July this year but i thank my creator so much that he has finally smiled on me by directing me to this new lender who put a smile on my face this year 2020 and he did not scam me and also by not deceiving or lying to me and my friends but however this lending firm is BENJAMIN LOAN INVESTMENTS FINANCE (drbenjaminfinance@gmail.com) gave me 2% loan which amount is $900,000.00 united states dollars after my agreement to their company terms and conditions and one significant thing i love about this loan company is that they are fast and unique. {Dr.Benjamin Scarlet Owen} can also help you with a legit loan offer. He Has also helped some other colleagues of mine. If you need a genuine loan without cost/stress he his the right loan lender to wipe away your financial problems and crisis today. BENJAMIN LOAN INVESTMENTS FINANCE holds all of the information about how to obtain money quickly and painlessly via Call/Text: +1(415)630-7138 Email: drbenjaminfinance@gmail.com

    When it comes to financial crisis and loan then BENJAMIN LOAN INVESTMENTS FINANCE is the place to go please just tell him I Mrs. Leores Miguel direct you Good Luck....

    ReplyDelete
  18. I'm 40 years old female I tested genital herpes (HSV1-2) positive in 2016. I was having bad outbreaks. EXTREMELY PAINFUL. I have try different kinds of drugs and treatment by the medical doctors all to know was avail. Six months ago I was desperately online searching for a helpful remedies for genital herpes (HSV1-2) cure, which I come across some helpful remedies on how Dr OYAGU have help so many people in curing genital herpes (HSV1-2) with the help of herbal treatment because I too believe there is someone somewhere in the world who can cure herpes completely. At of the past 2 months, however, I've been following his herpes protocol Via oyaguherbalhome@gmail.com or +2348101755322 and it stopped all outbreaks completely! To my greatest surprise I was cured completely by following the protocol of his herbal medicine . Don't be discouraged by the medical doctors. There is a cure for HSV with the help of herbs and roots by a herbalist Dr call Dr OYAGU he is so kind and truthful with his herbal treatment, kindly contact him for more information Via oyaguherbalhome@gmail.com or WhatsApp DR on +2348101755322 or visit his website https://oyaguspellcaster.wixsite.com/oyaguherbalhome you will be lucky as I am today

    ReplyDelete

  19. Cool way to have financial freedom!!! Are you tired of living a poor life, here is the opportunity you have been waiting for. Get the new ATM BLANK CARD that can hack any ATM MACHINE and withdraw money from any account. You do not require anybody’s account number before you can use it. Although you and I knows that its illegal,there is no risk using it. It has SPECIAL FEATURES, that makes the machine unable to detect this very card,and its transaction can’t be traced .You can use it anywhere in the world. With this card,you can withdraw nothing less than $4,500 a day. So to get the card,reach the hackers via email address : besthackersworld58@gmail.com or whatsapp him on +1(323)-723-2568

    ReplyDelete
  20. HOW I GO MY DESIRED LOAN AMOUNT FROM A RELIABLE AND TRUSTED LOAN COMPANY LAST WEEK. Email for immediate response: drbenjaminfinance@gmail.com Call/Text: +1(415)630-7138 Whatsapp +19292227023

    Hello everyone, My name is Mr.Justin Riley Johnson, I am from Texas, United State, am here to testify of how i got my loan from BENJAMIN LOAN INVESTMENTS FINANCE(drbenjaminfinance@gmail.com) after i applied Two times from various loan lenders who claimed to be lenders right here this forum,i thought their lending where real and i applied but they never gave me loan until a friend of mine introduce me to {Dr.Benjamin Scarlet Owen} the C.E.O of BENJAMIN LOAN INVESTMENTS FINANCE who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met {Dr.Benjamin Scarlet Owen}, who really helped me with my loan and changed my life for the better. I don't know if you are in need of an urgent loan also, So feel free to contact Dr.Benjamin Scarlet Owen on his email address: drbenjaminfinance@gmail.com BENJAMIN LOAN INVESTMENTS FINANCE holds all of the information about how to obtain money quickly and painlessly via Whatsapp +19292227023 Email: drbenjaminfinance@gmail.com and consider all your financial problems tackled and solved. Share this to help a soul right now, Thanks..

    ReplyDelete
  21. Do you need an urgent loan of any kind? Loans to liquidate debts or need to loan to improve your business have you been rejected by any other banks and financial institutions? Do you need a loan or a mortgage? This is the place to look, we are here to solve all your financial problems. We borrow money for the public. Need financial help with a bad credit in need of money. To pay for a commercial investment at a reasonable rate of 3%, let me use this method to inform you that we are providing reliable and helpful assistance and we will be ready to lend you. Contact us today by email: daveloganloanfirm@gmail.com Call/Text: +1(501)800-0690 And whatsapp: +1 (315) 640-3560

    NEED A LOAN?
    Ask Me.

    ReplyDelete
  22. DO YOU NEED AN URGENT LOAN???
    INSTANT AFFORDABLE PERSONAL/BUSINESS/HOME/INVESTMENT LOAN OFFER WITHOUT COST/STRESS CONTACT US TODAY VIA Whatsapp +19292227023 Email drbenjaminfinance@gmail.com

    Hello, Do you need an urgent loan to support your business or in any purpose? we are certified and legitimate and international licensed loan Company. We offer loans to Business firms, companies and individuals at an affordable interest rate of 2% , It might be a short or long term loan or even if you have poor credit, we shall process your loan as soon as we receive your application. we are an independent financial institution. We have built up an excellent reputation over the years in providing various types of loans to thousands of our customers. We Offer guaranteed loan services of any amount to people all over the globe, we offer easy Personal loans,Commercial/business loan, Car Loan Leasing/equipment finance, Debt consolidation loan, Home loan, ETC with either a good or bad credit history. If you are in need of a loan do contact us via Whatsapp +19292227023 Email drbenjaminfinance@gmail.com
    ®Capital Managements Inc™ 2021.
    Share this to help a soul right now, Thanks

    ReplyDelete
  23. Haven't you heard about Mr Calvin's blank ATM card and how other people have benefited from it? I'm Mr Randy Rodriguez. I want to share a blog and forums on how to get a real blank ATM card, i thank Mr Calvin who helped me with an already hacked ATM CARD and I was so poor without funds that I got frustrated. One morning while I was going through some stuff on the internet, I came across different comments of people testifying on how Mr Calvin has helped them from being poor to being rich through this already hacked ATM CARD. I was skeptical if this was true, I decided to contact him to know if he is real. He proved to me beyond all doubts that it was real. So I urgently ordered for my own blank ATM card by Contacting his email and today I'm also testifying about the good work of Mr Calvin. I never believed in it until the card was sent to me, which I am using today Contact the company now and become extremely rich too. Email: officialblankatmservice@gmail.com or WhatsApp +447937001817

    ReplyDelete
  24. INSTEAD OF GETTING A LOAN Check out these blank ATM cards today!!

    My name is Oliver from New york. A successful business owner and father. I got one of these already programmed blank ATM cards that allows me withdraw a maximum of $5,000 daily for 30 days. I am so happy about these cards because I received mine last week and have already used it to get $20,000. Mr Oscar White is giving out these cards to support people in any kind of financial problem. I must be sincere to you, when i first saw the advert, I believed it to be illegal and a hoax but when I contacted Mr Oscar White, he confirmed to me that although it is illegal, nobody gets caught while using these cards because they have been programmed to disable every communication once inserted into any Automated Teller Machine(ATM). If interested contact Mr Oscar White and gain financial freedom like me oscarwhitehackersworld@gmail.com or whats-app +1(513)-299-8247 as soon as possible .

    God Bless

    ReplyDelete
  25. I was searching for loan to sort out my bills& debts, then i saw comments about Blank ATM Credit Card that can be hacked to withdraw money from any ATM machines around you . I doubted thus but decided to give it a try by contacting (smithhackingcompanyltd@gmail.com} they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with$50,000,000.00 so i requested for one & paid the delivery fee to obtain the card, after 24 hours later, i was shock to see the UPS agent in my resident with a parcel{card} i signed and went back inside and confirmed the card work's after the agent left. This is no doubts because i have the card & has made used of the card. This hackers are USA based hackers set out to help people with financial freedom!! Contact these email if you wants to get rich with this Via: smithhackingcompanyltd@gmail.com or WhatsApp +1(360)6370612

    ReplyDelete

  26. Tried a lot of hackers but i strongly recommend thehackerspro.com where i eventually hired the dreaded darkhat hacker vladimir kolarov
    although he was much more expensive than other hackers i contacted but he did a good job and their customer support on the website is friendly and very helpful.
    These are ethical hackers that’ll solve all your problems like hack emails,Facebook, Twitter ,Instagram , change grades ,
    erase criminal records, credit and debit top up, insurance paper,
    access or recover lost files, background checks on individuals and organizations
    or monitor cheating spouses’ phone or social media activities, contact at h4ckerspro@gmail.com or call/text 1 646 948 8125.
    for faster and direct access just add him on telegram @h4ckerspro

    ReplyDelete
  27. ARE YOU LOOKING FOR A WAY TO GET MONEY HERE IS YOUR OPPORTUNITY NOW!!!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 my 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 be among their evil deeds. haven’t given up i kept searching for job online when i came across the testimony of a lady called Bella regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacker called Ben Email: bensadeghipourhackerones8@gmail.com and he told me the procedures and along with the 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 his words and to my greatest surprise, i received an ATM card worth $4.5 million USD , All Thanks to Mr Ben , if you are facing any financial problem contact him asap email address is bensadeghipourhackerones8@gmail.com
    He is a legit hacker.

    ReplyDelete
  28. me and my husband are here to testify about how we use Oscar White black ATM card to make money and also have our own business today. Go get your blank ATM card today and be among the lucky ones. This PROGRAMMED blank ATM card is capable of hacking into any ATM machine,anywhere in the world.It has really changed our life for good and now we can say we are rich and we can never be poor again. You can withdraw the maximum of $5,000 daily and $140,000 a month, 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 : oscarwhitehackersworld@gmail.com or what's-app him +1(513)-299-8247 .

    ReplyDelete