OUTSCORING FINLAND: Ignore the gaps!

FRIDAY, DECEMBER 6, 2013

Part 4—The skill of averting one’s gaze: It has been a clownish display, carried on for the past twelve years.

Again and again, our intellectual leaders have flown off to Finland. They hoped to define the miraculous practices in that nation’s schools.

Upon their return, these teams of “blind men” described different parts of the miraculous Finnish pachyderm.

Some pointed to the fact that Finland does have teachers unions. Others note the relative lack of standardized tests.

Others read the most standard script:

Finland’s miraculous teachers are drawn from the top third of their college classes! According to establishment scripting, that must be the practice which explains Finland’s miraculous test scores!

This has been the latest clownish display staged by our journalistic elites. That said, how miraculous are Finland’s schools?

As we recommended in yesterday's post, gaze upon the following scores from the 2011 TIMSS. How miraculous do Finnish teachers look as compared to our lunkheads now?
Average scores, Grade 8 math, 2011 TIMSS
Massachusetts: 572
North Carolina: 563
Minnesota: 558
Colorado: 544
Connecticut: 543
Florida: 531
Indiana: 530
United States: 530
California: 525
Finland: 514
Alabama: 489
We’re omitting one fact, of course. Those American scores on the TIMSS were recorded by white students only—by kids from our majority culture.

That said, Finland has nothing but a majority culture. To its credit, Finland never created a despised minority within its population. To its credit, Finland never spent hundreds of years trying to eliminate literacy from one large segment of its population. And not only that:

For better or worse, Finland has a very small immigrant population. Immigrant children may tend to do well in school, depending on their culture of origin and their socioeconomic status. But other delightful, deserving immigrant kids may be heavily challenged when they leave a low-income home to attend a school in a land where they don’t speak the language.

They are beautiful children too. But they’re heavily challenged in school.

For better or for worse, Finland has very few immigrant kids. Its public schools don’t face the challenges created by our brutal racial history and by some of our immigration practices.

Finland is a unicultural nation. In Finland, it’s majority culture all the way down!

The chart we’ve posted above doesn’t create a perfect comparison. That said, it shows you how our public schools, even with our lunkhead teachers, perform among children who come from our nation’s majority culture.

In our view, those data might help you escape the notion that Finland is performing some sort of miracle within its public schools. And it might help you focus on “the gaps.”

As we showed you yesterday, children from our majority culture—so-called white children—tend to perform a lot like Finland on international tests. These are the relevant scores on the 2012 PISA, whose results were just released:
Average scores, math, 2012 PISA (15-year-old students)
Finland, all students: 519
United States, all students: 481
United States, white students only: 506
The PISA is the international test on which Finland tends to perform better and the U.S. tends to perform worse. Even there, our white students only scored about one third of a year behind the Finns on last year’s math test.

(Similar data are not yet available for the PISA’s reading and science tests.)

That’s how U.S. kids scored on the 2012 PISA. On the 2011 TIMSS, white students in this country outscored Finland in math! Our average scores include our Appalachian kids; our poverty kids; our kids from states or regions where anti-intellectualism may be somewhat strong.

If our white kids can outscore Finland, must we really keep pretending that Finland is working miracles in its public schools? Do we really have to continue with this elite-driven bullroar?

Let’s return to the data we’ve shown you in the past two days:

You haven’t seen these data this week (or ever!) for an obvious reason. In this country, no one actually cares about this. And we still seem to despise our black kids; few things could be much more obvious.

Why do we tend to score in the middle among OPEC nations on the PISA? (We tend to score higher on the TIMSS.) In large part, we score in the middle because of the gaps—gaps which are painful to look at.

The gaps are painful, and nobody cares, so they are rarely discussed. But good grief! This is what math scores look like on the TIMSS after disaggregation:
Average scores, Grade 4 math, 2011 TIMSS
United States, Asian-American students: 583
United States, white students: 559
Finland, all students: 545
United States, all students: 541

United States, Hispanic students: 520
United States, black students: 489

Average scores, Grade 8 math, 2011 TIMSS
United States, Asian-American students: 568
United States, white students: 530
Finland, all students: 514
United States, all students: 509

United States, Hispanic students: 485
United States, black students: 465
In those data, you see the horrible gaps which exist within our student population.

We know—you’re getting angry now. This is easily the most racist thing you’ve ever seen in your life!

Keep it up! That’s the way people like you show how much you hate black kids.

What does it mean to be scripted—to be brainwashed, clueless, unknowing, uncaring, ruled by narrative pimped by elites? In part, it means this:

To his credit, Chris Hayes devoted three segments to PISA scores on Tuesday and Wednesday nights. But uh-oh! Amid all the gloom concerning the PISA, no one ever noted the contrast provided by TIMSS scores, on which American students do better.

Your script-writers want you discussing the PISA; they want you ignoring the TIMSS. This edict was widely followed this week—all over the TV dial, all through the world of print.

(Kevin Drum quickly provided the contrast. So did a very few others.)

What else does it mean to be scripted? In part, it means that you refuse to look at the backwash of our nation’s brutal racial history, which no one living created.

We liberals don’t like to talk about race, except when we’re scattering R-bombs around the countryside. In truth, we don’t know how to talk about race when it comes to gaps like these.

We don’t know how to talk about race in this context because our intellectual leaders have never cared enough to figure out how and to show us. In truth, they don’t know how to discuss this either. They urge us toward talk about income and poverty, which clouds large parts of this issue.

(When they tell us to talk about income and poverty, they often hand us bogus comparisons. Given the state of our intellectual culture, this is thoroughly par for the course. See our last two posts in this series.)

As we noted on Wednesday, family income correlates strongly with achievement in our schools. But our nation’s brutal racial history trumps even those correlations.

What do we mean by that? Consider a breakdown by income and race on the National Assessment of Educational Progress (the NAEP), our most reliable domestic testing program.

(Our only reliable domestic testing program.)

The NAEP provides data which let us disaggregate test scores by income. This lets us compare scores by kids who qualify for free or reduced price lunch (FRPL) with scores by kids who don’t qualify.

(Given the state of our intellectual culture, you are constantly being told that FRPL is a measure of “poverty,” which it plainly is not. Within our intellectual culture, all misstatement is permitted, no matter how blatant or obvious.)

That said, the NAEP lets us compare scores by family income, using those two categories. (Below, we'll refer to them as “higher income” and “lower income.”) For the record, roughly half of American students currently qualify for free or reduced price lunch, which isn't a measure of poverty.

The NAEP lets us compare scores by income. When we do so, these horrible gaps are found:
Average scores, Grade 8 math, 2011 NAEP
All students: 283
White students, higher income: 299
White students, lower income: 278
Hispanic students, higher income: 280
Hispanic students, lower income: 266
Black students, higher income: 273
Black students, lower income: 258
Asian-American students, higher income: 313
Asian-American students, lower income: 286
On the NAEP, ten points is often said to correspond, very roughly, to one academic year.

After making that breakdown by income, the gaps between white and black kids is painful to see. At this point, a person has to start explaining these gaps.

In our view, part of the explanation involves our brutal racial history. Part of the explanation involves ongoing educational practices.

For ourselves, we’d put more weight on the brutal history, less weight on the ongoing practices. But you can’t begin to discuss American schools if you don’t understand the size of the gaps found within our schools.

As we’ve noted many times, those gaps have gotten smaller in the past few decades. Also: According to the NAEP, black kids are scoring much better in reading and math than was the case a few decades ago.

That is superlative news. But we liberals care so little about any of this that you can’t make us state even that fact.

Admit it! You have never seen anyone on MSNBC, or at Salon, note that very important fact: Black kids are scoring much better in reading and math than was the case in the past.

Simply put, our tribe doesn’t care about black kids, unless they live in Newtown or in Lawrence’s case in Malawi. In the next two weeks, we will continue to unspool this theme.

As we close today, let us describe your reaction to this particular post. You’ve never seen anything quite so racist as what appears above!

You’re sputtering at the data we’ve posted. Let us explain your fury:

It involves a fact you may not understand. You come from within a liberal culture which turned its back on black kids decades ago.

The liberal world quit on black kids a long time ago. As part of that abandonment, you’ve seen little discussion about the lives black kids lead within our schools, where they lower U.S. average scores as we liberals fail to discuss why in the world this is happening.

No one wants to discuss those gaps, which are very painful to see.

Within the mainstream, it’s more fun to peddle the tale about the Finnish miracle. It’s much more fun to get on the plane for that free week in Finland!

For twelve years, they’ve taken the trip to non-miraculous Finland—where, to their eternal credit, the Finns never created the types of problems we prefer not to discuss.

Coming in the next two weeks: The things you didn’t hear this week.

Also, Ripley and Goldstein on “tracking.” Beyond that, how is a “Common Core” supposed to work in a country with gaps like ours?

You’ve never seen that last question asked! Do you understand why that is?

96 comments:

  1. "It involves a fact you may not understand. You come from within a liberal culture which turned its back on black kids decades ago."

    I was around during the civil rights movement of the 1950's & 60's. Toward the end of the 60's, African American activists explicitly told white supporters that their participation was unwelcome. It was paternalistic to believe that white help was required. Further, it was unwanted. I vividly remember sessions in which white members of civil rights groups were angrily attacked by African American members for (1) believing that white people had produced the change of the civil rights era, and (2) believing that black people could not produce their own change in coming decades. It was considered a kind of beknighted paternalism akin to colonialism to want to help solve the problems of racial discrimination via teaching, social work, community organizing (which I myself did for many years in Chicago, at the same time as Obama was active there), community economic development, labor and workforce training, and other varieties of social service.

    To claim now that white liberals abandoned African American children, that we do not care about them, is unfair in this context. It is very difficult to figure out how to care and how to participate in helping them without being accused of ugly racial attitudes as a consequence. It is easier to agree with African American assertions that there is nothing wrong with their culture, that we should be respecting them instead of trying to change them, that they alone can find solutions to their problems. We have butted out, just as we were asked to do, and now we are blamed for that?

    Some of the strongest pockets of anti-intellectualism are within African American and Hispanic communities. Whatever the reasons for that, what are white liberals supposed to do about that exactly? You tell me. I still care, but I am not willing to be reviled for caring.

    ReplyDelete
    Replies
    1. I just wanted to say that I think this a great point even though I I don't entirely agree. Its too bad most of the other commentators here cant seem to muster the ability to actually keep their comment son topic. Kudos to you!

      Delete
    2. I know plenty of liberals, and none of them have "quit" on black kids. The reasons why more attention to the issues are complex -- including the perceived political need to reverse the severance of civil rights advances from labor that was exploited so effectively and promoted by Reagan, Republicans generally and some Democrats ever since. figuring out how to confront the brutal history without committing political suicide is not easy.

      Delete
    3. Anon@344 (aka "Whiner"): it seems you can't muster the ability to actually keep your comment on topic either.

      What a foof!

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  2. Terrific analysis, making understanding this data simple.

    ReplyDelete
  3. Mostly fine but c'mon Bob ... the other half the time you are complaining that the media, the scripted, the faux liberals are only paying attention to the gaps. Your argument is that's how they avoid talking about the progress (in terms of NAEP scores) of minority students.

    As to the first comment ... please. At most that was the Nation of Islam and small remnants of the black power movement. The vast majority of the black community and every black politician (except Alan Keyes I suppose) and community leader was calling for greater government investment, extolling the virtues of affirmative action and calling for better schools.

    ReplyDelete
    Replies
    1. Anonymous @1:54P,

      The Nation of Islam never qualified as "African-American activists" who partnered with "white supporters." The NOI has always been a separatist organization. Not so the Student Nonviolent Coordinating Committee (SNCC), which organized voter registration and educational projects in the south (particularly Mississippi) in the first half of the 1960s. At the end of 1966, the organization expelled its white membership.

      Delete
  4. "In truth, we don’t know how to talk about race when it comes to gaps like these. "

    There are only a couple of ways to talk about it and one of the ways is verboten. Even talking about the gaps is verboten in some circles.

    ReplyDelete
  5. What explains the gap between higher income whites and Asians? The brutal racial history of America with whites as a majority despised by Asians?

    ReplyDelete
    Replies
    1. Absolutely. 'Cause all gaps have the same explanation.

      Delete
    2. What's the alternative? Something very right with Asian culture that whites aren't getting right? Can this explain gaps between all the various groups?

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    We are a France-Paris based investment company known as Avit
    Development Investment Authority working on expanding its portfolio
    globally and financing projects.

    We would be happy to fund and invest with you in any profitable
    project if you have any viable project we can finance by making mutual
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    on:avitinvestmentauthority2@gmail.com for more details.

    Looking forward hearing from you soonest.

    Yours truly,
    Mrs Kristina Anderson
    (Personal Assistant)
    Avit Development Investment Authority(ADIA)
    501 Avenue Montaigne,75008 Paris-France
    Paris-France.Avit Development Investment Authority (ADIA)

    ReplyDelete
  25. Have you been looking for a Legit Loan Lender? Do you need an Urgent loan
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    ReplyDelete
  26. Hello everyone am here to testify how i got my loan from Mr Akisu. after i applied several times from various loan lenders who claimed to also testify right in this forum,i thought the testimonies where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mr Akisu. who promised to help me and indeed he did as he promised without any form of delay.I never thought there are still reliable loan lenders until i met Mr.Akisu,who are indeed helped with the loan and changed my belief.I don't know if you are in any way in need of a genuine and urgent loan,free feel to contact Mr.Akisu via his email{Akisuloancompany@gmail.com} Thank you may God bless you

    ReplyDelete
  27. Hello Everybody,
    My name is Mrs Anita. I live in UK London and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of $250,000.00 U.S. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Anita, that refer you to him. contact Mr.Robert,via email:(robertfinancial_loancompany@yahoo.com)Thank you

    ReplyDelete
  28. My Brothers and Sister all over the world, I am Mrs Boo Wheat from Canada ; i was in need of loan some month ago. i needed a loan to open my restaurant and bar, when one of my long time business partner introduce me to this good and trustful loan lender Mr.DORO SMITH that help me out with a loan, and is interest rate is very low , thank God today. I am now a successful business man, and I became useful. In the life of others, I now hold a restaurant and bar. And about 30 workers, thank GOD for my life I am leaving well today a happy father with three kids, thanks to you Mr.DORO SMITH Now I can take care of my lovely family, i can now pay my bill. I am now the bread winner of my family. If you are look for a trustful and reliable loan leander. You can Email him via,mail (dorosmithloanfirm@outlook.com) Please tell him Mrs Boo Wheat from Canada introduce you to him. THANKS

    ReplyDelete
  29. My Brothers and Sister all over the world, I am Mrs Boo Wheat from Canada ; i was in need of loan some month ago. i needed a loan to open my restaurant and bar, when one of my long time business partner introduce me to this good and trustful loan lender Mr.DORO SMITH that help me out with a loan, and is interest rate is very low , thank God today. I am now a successful business man, and I became useful. In the life of others, I now hold a restaurant and bar. And about 30 workers, thank GOD for my life I am leaving well today a happy father with three kids, thanks to you Mr.DORO SMITH Now I can take care of my lovely family, i can now pay my bill. I am now the bread winner of my family. If you are look for a trustful and reliable loan leander. You can Email him via,mail (dorosmithloanfirm@outlook.com) Please tell him Mrs Boo Wheat from Canada introduce you to him. THANKS

    ReplyDelete

  30. GOOD DAY

    WELCOME TO LAURA SHANNON LOAN FINANCIAL FIRMS

    Dear Esteemed Loan Seeker,
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    C.E.O


    ReplyDelete




  31. Good Day
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    ReplyDelete
    Replies
    1. AFFORDABLE XMAS LOANS

      Hello Everybody, here comes an Affordable Xmas loan Offer that will change your life forever, TESTIMONY ON HOW I GOT A LOAN TO CHANGE THE BROKE LIFE OF MY FAMILY My name is Mrs Clency Dexter. I live in USA Florida and i am a happy woman today? I told my self that any Loan lender that could change my Broke Life and that of my family, i will refer any person that is looking for loan to Them. They gave happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as a widow with 3 kids I meant this honest and GOD fearing loan lending company online that helped me with a loan of $250,000.00 U.S. Dollar, They are indeed GOD fearing People, working with a reputable loan company. If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs, Clency referred you to them. contact via E_mail: rathancharodloancompany@gmail.com

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      Delete
  32. HOW I GOT MY LOAN FROM THIS GREAT COMPANY CALLED SLIVINU MARKO LOAN COMPANY

    Hello to All across the globe, I am Martha Loiussa, currently living in NEW YORK now, USA. I am a widow at the moment with 2 kids and I was stuck in a financial situation in April 2015 and I needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not full prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I meet Mr Slivinu Marko the most interesting part of it is that my loan was transfer to me within 74hours so I will advice you to contact Mr Slivinu Marko if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… ( slivinumarko@yahoo.com ) No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr Slivinu Marko today for your loan

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    ReplyDelete
  33. Do you need Financial Assistance? We can help you?
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  34. Do you need Financial Assistance? We can help you?
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  35. Do you need Financial Assistance? We can help you?
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    ReplyDelete
  36. Hello Every One, I am mrs Mary Brown From Florida U.S.A, I quickly want to use this medium to share a testimony on how God directed me to a Legit and real loan lender who have transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of $10.000.00 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains, then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion she told me about a man called Mr Richard Peters who is the C.E.O of Rich Loan Firm Inc. So i applied for a loan sum of (560,000.00USD) with low interest rate of 3%, so the loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than two(2) days the loan was deposited into my bank so i want to advice any one i need of a loan to quickly contact him via: (richp1450@gmail.com) he does not know am doing this i pray that God will bless him for the good thing he has done in my life.

    ReplyDelete
  37. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


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    Regards.
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    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  38. Do you need an urgent loan ? do you need financial help to start up a business? We are currently given out loan at a very low interest rate.Contact us with this email: tt.trustfundsloanlenders22@outlook.com


    ReplyDelete
  39. Hello everyone!!!

    My name is MR JOHNSON PAUL A CITIZEN of USA. i have been scammed by 3 different Internet international lender, they all promise to give me a loan after making me pay several fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 10,000USD. One day as i was browsing through the internet with tears on my eye i came across a testimony of man who was also scammed and eventually got linked to a legit loan company called Sang Wai Loan Company where he finally got his loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 3 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all that was requested of me and I was given a loan amount of $85,000 Dollars by this great Company (Sang Wai Loan Company} managed by Mr.Sang Wai and here i am today happy because Sang Wai Loan Company has given me a loan so i made a vow to my self that i will keep testifying on the internet on how i got my loan. Do you need a loan urgently kindly and quickly contact Sang Wai Loan Company now for your loan via email:sangwai12123@gmail.com
    Thank You All For Your Understanding,

    MR JOHNSON PAUL

    ReplyDelete
  40. Do you need a loan? Have you been looking for where to get a loan? Have you been trying to get any kind of loan? then apply now at ?(carlosellisonfinance@outlook.com) if you want to get an affordable loan. Loan is offered here at a very low interest rate of 2%. Contact us now if you are interested.

    ReplyDelete
  41. I live in South Africa 1 Casino Road, Modderfontein, Johannesburg am a teacher and i am a happy woman today and i told my self
    that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness
    to me and my family, i was in need of a loan of $250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest
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    of loan and you will pay back the loan please contact him tell him that is Mrs nomasonto catrine, that refer you to him. contact Mr. Mike Smith ,via
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    ReplyDelete
  42. Do you need an urgent loan? are you in debt? do you need urgent loan to finance your business?, have you been denied by your bank, worry no more, Our Services are Quick, Easy & Secure loans now in whatever circumstances. Borrow up to $2,000 - $1,000.000 Today! Contact us with loan information at this email: noramildred.loan@hotmail.com

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    Mrs Nora

    ReplyDelete
  43. Good Day.

    Are you in any kind of financial difficulties? Your help comes now. Are you having sleepless night worrying how to get a Loan?Don't allow your dreams to die, or are you looking for whom to trust or have you been scammed by INTERNET fraud stars, or you have been turned down by other financial company contact PRIVATE LOAN COMPANY today for easy and reliable contact us via email: privateloantrust@gmail.com

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    ReplyDelete
  44. Apply for a quick and affordable loan with Ms Linda White Finance Company. capital.funds90@yahoo.com
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  45. Apply for a quick and convenient loan to pay off bills and start a new business or re-finance their projects at a cheaper rate of interest of 3%. Do contact us today with the loan amount needed as our minimum loan offer is $5,000.00to any choice of the loan amount. We are a legitimate registered and certified lender. You can contact us today via email for quick response : johnoneil945@gmail.com

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  46. To Whom it may concern!!!

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    ReplyDelete
  47. Hello,
    Do you need an xmas loan, business loan or financially in need to cope with
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    Contact us at our e-mail: guaranteefundings@gmail.com


    ReplyDelete
  48. Hello,
    Do you need an xmas loan, business loan or financially in need to cope with
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    ReplyDelete
  49. Hello,
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    Full names:
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    Contact us at our e-mail: guaranteefundings@gmail.com

    ReplyDelete
  50. Do you need Financial Assistance?
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    We look forward to hear from you ASAP.

    ReplyDelete
  51. Do you need Financial Assistance?
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    We look forward to hear from you ASAP.

    ReplyDelete
  52. Do you need Financial Assistance?
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    ReplyDelete
  53. Do you need Financial Assistance?
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    Please, contact us for more information: PergoCF@gmail.com , PergoCF@qualityservice.com , PergoCF@aol.com
    Please contact us for your secure and unsecured Loan at an Interest rate of 1.00%, Interested applicants should Contact us via email: PergoCF@gmail.com , PergoCF@qualityservice.com , PergoCF@aol.com

    ReplyDelete
  54. DO YOU NEED A LOAN IF YES APPLY NOW.
    LUIS CARLOS FINANCE Company is limited to the share capital. We offer loans and
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    NOTE:all email should be forward to:luiscarlosfinance@outlook.com

    Mr Luis Carlos

    ReplyDelete
  55. DO YOU NEED A LOAN TO START A BEFITTING NEW YEAR!!!!!!

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    ReplyDelete
  56. Are you in need of a loan? Do you want to pay off your bills? Do you want to be financially stable? All you have to do is to contact us for more information on how to get started and get the loan you desire. This offer is open to all that will be able to repay back in due time. Note-that repayment time frame is negotiable and at interest rate of 3% just email us creditloan11@gmail.com

    ReplyDelete
  57. My name is Mr Micheal Brent we are a finance loan firm and we offer loans worldwide at a low interest rate of 2% is very affordable and our loan process is very fast as well. If you are really ready to get your financial problems solved,Then search no further and apply for a loan today. If you are interested you can contact us today via email: michealbrentloanfirm@outlook.com

    ReplyDelete
  58. Are you in need of a loan? Do you want to pay off your bills? Do you want to be financially stable? All you have to do is to contact us for more information on how to get started and get the loan you desire. This offer is open to all that will be able to repay back in due time. Note-that repayment time frame is negotiable and at interest rate of 3% just email us creditloan11@gmail.com

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  59. Good Day: to whom it may concern,

    I am Lori McKissick From Ohio U.S.A, I quickly want to use this medium to share a testimony on how God directed me to a Legit and real loan lender who has transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of $6,400 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains, then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion she told me about a man called Mr. Teddy Jones who is the Financial Controller/Operation Manager of TIMRAY FINANCIAL SERVICES So i applied for a loan sum of (120,000.00USD) with low interest rate of 3% only. The loan was approved easily without stress and all the preparations were made concerning the loan transfer and in less than two(2) days the loan was deposited into my Bank Account so i want to advice any one in need of a loan to quickly contact TIMRAY FINANCIAL SERVICES via {Email: timrayfinacials@gmail.com}. He does not know I'm doing this, I pray that God will bless him for the good thing he has done in my life and that of my entire family.

    Direct Contact Email: timrayfinacials@gmail.com

    ReplyDelete
  60. Attention Everyone: I am Lisa randy, I am using this medium to inform the general public about how my life got transformed I was in search of a business loan, Until a Friend of mine introduced me to BARCLAYS BANK PLC. At first I told her I was not interested in any loan deal with banks or any private loan company anymore then she assured me that the bank is a genuine one, though i never believed her, I made a trial and I am glad i did, I was given a loan of $80,000.00 by this bank on 10th of February 2017. My advice to anyone who requires a genuine, legit loan or any financial assistance that can be reliable, trusted and capable of paying back at the due time of the funds should Contact them if you are interested via email: EMAIL VIA:barclays.bankplc3@aol.com


    ReplyDelete
  61. Greetings to you by ADIA.

    We are a France-Paris based investment company known as Avit
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    We would be happy to fund and invest with you in any profitable
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    Looking forward hearing from you soonest.
    Yours truly,
    Mrs Rose Williams
    (Personal Assistant)
    Avit Development Investment Authority(ADIA)
    501 Avenue Montaigne,75008 Paris-France
    Paris-France.Avit Development Investment Authority (ADIA)

    ReplyDelete
  62. Hello.

    Greetings, i'm Hogg Geoffrey Graham from LA, I am very happy to receive a loan from the European part of the world, they gave me a loan to settle my hospital bills, They saved me from loosing my house. this message might be of help to you guys that also need a loan in other not to go the wrong side in your search you have to contact this company Michael Clinton Loans. Via E_mail: michaelclinton273@gmail.com

    Regards.

    ReplyDelete
  63. Are you in any financial problem? Do you need quick loans to clear your debit and get back to business. Please do provide us with the following below via Email:dereknels
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    Thanks

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  64. Hello, this is Home bridge financial Service. A reputable, legitimate & accredited lender. We give out loan of all kinds in a very fast and easy way. We offer both commercial loan, business loan, Debt Consolidation, student loan or any kind of loan of your choice at 2% interest rate. If you are Interested get back to us on this Email address homebridgefinance@usa.com With the following information's below:.

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    ReplyDelete
  65. FOR YOUR REQUIRED QUICK AFFORDABLE LOAN, EMAIL dawsonlewisloancompany@yahoo.com

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  66. DO YOU NEED A LOAN TO START A BEFITTING NEW YEAR!!!!!!

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  67. Hello...

    We are Christian Organization formed to help people in needs of helps,such as financial help.So if you are going through financial difficulty or you are in any financial mess,and you need funds to start up your own business,or you need loan to settle your debt or pay off your bills,start a nice business, or you are finding it hard to obtain capital loan from local banks,contact us today via email mrsvaliciareneloanfirm@gmail.com for the bible says""Luke 11:10 Everyone who asks receives; he who seeks finds; and to him who knocks, the door will be opened".So do not let these opportunity pass you by because Jesus is the same yesterday, today and forever more.Please these is for serious minded and God fearing People.

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    ReplyDelete
  68. Greetings to you by ADIA.

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    Yours truly,
    Mrs Rose Williams
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    Avit Development Investment Authority(ADIA)
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    Paris-France.Avit Development Investment Authority (ADIA)

    ReplyDelete
  69. We are lend up loan company (LLC),Are you looking for a loan to clear off your dept and start up your own Business? have you being going all over yet not able to get a loan Company that will loan you? Here is your final solution, We give investment loan,Business Loan, Personal Loan,Car Loan,House Loan, at 3% of any amount you need, provided you have your complete document also you are going to pay back within the period of time given without any problem. Apply now and contact us for more details via email below.


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  70. I can’t hide this great testimony that took place in my life i will love everyone to know it and be a partaker that is why i want to share it to the whole world by placing this advert online, I am ( Burriss.frederick), I want to thank (Mrs Bako) for her kindness upon my family life, I never knew that there is still a sincere and trustworthy lender like this on internet and on earth. Just some days i was in search for a loan of $95,000.00 Dollars,As I was running out of money for feeding, School fees, My business was really going out of capital and my rent. I have been scammed about $5,200 Dollars before, so with that I decided not to involve my self in such business again. But a Friend of mine introduced me to a loan firm due to my appearance and doings and also my complains to her. And I told her that I am not interested of any loan deal anymore but she told me that there is still a sincere lender who she will recommend me to, And she gave me the details of this woman( Mrs Bako )then i decided to give it one more trial and i am most grateful and lucky today, I was given a loan amount of $95,000,00Dollars by this great firm Prudent Financial Service, If you are in need of a genuine, Sincere, durable and a trust worthy loan lender or financial assistance and also you can be reliable and trusted, capable of paying back at the due time of the funds I will advice you to send your contact to them via email : ( homeofhopes69@usa.com ). well my lovely Husband extend his greeting to you Mr frederick Bryan also if not for you I can't imagine the way life should be for my family today.Please I am begging everyone that will come across this post to help me thank him and if you are in need of a loan do no hesitate to contact him he is legit i mean most worthy to be trusted, And I will always be sharing this great surprise and testimony that happened in my life everyday

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    ReplyDelete
  71. Hello.

    Greetings, i'm Hogg Geoffrey Graham from LA, I am very happy to receive a loan from the European part of the world, they gave me a loan to settle my hospital bills, They saved me from loosing my house. this message might be of help to you guys that also need a loan in other not to go the wrong side in your search you have to contact this company Michael Clinton Loans. Via E_mail: michaelclinton273@gmail.com

    Regards

    ReplyDelete
  72. How I Secured A Loan From Kendrick Investments Limited

    Compliment Of The Day Everyone!! I am Janet Lyn Marzwick from Canterbury Kent WA, I am using this medium to announce to the general public about how my life got transformed by Mr Christopher Kendrick of Kendrick Investments Limited when I was in search of a business loan, a Friend of mine introduced me to Kendrick Investments Limited, with Contact number: +13862022899. At first I told her I wasn't interested in any loan deal with banks or private loan company anymore then she assured me that the Company is a genuine one, and that she got her loan from then as well. though I was skeptical, I gave it a trial and I am glad i did, I was granted a loan of $68,000.00 on the 3th of April 2017. My advice to anyone who requires a genuine and legit loan or any financial assistance that is reliable and trustworthy should Contact them via email: kendrickinvestmentslimited@outlook.com OR kendrick.investments@financier.com

    ReplyDelete
  73. How I Secured A Loan From Kendrick Investments Limited

    Compliment Of The Day Everyone!! I am Janet Lyn Marzwick from Canterbury Kent WA, I am using this medium to announce to the general public about how my life got transformed by Mr Christopher Kendrick of Kendrick Investments Limited when I was in search of a business loan, a Friend of mine introduced me to Kendrick Investments Limited, with Contact number: +13862022899. At first I told her I wasn't interested in any loan deal with banks or private loan company anymore then she assured me that the Company is a genuine one, and that she got her loan from then as well. though I was skeptical, I gave it a trial and I am glad i did, I was granted a loan of $68,000.00 on the 3th of April 2017. My advice to anyone who requires a genuine and legit loan or any financial assistance that is reliable and trustworthy should Contact them via email: kendrickinvestmentslimited@outlook.com OR kendrick.investments@financier.com

    ReplyDelete
  74. Greetings to you by ADIA.

    We are a France-Paris based investment company known as Avit
    Development Investment Authority working on expanding its portfolio
    globally and financing projects.

    We would be happy to fund and invest with you in any profitable
    project if you have any viable project we can finance by making mutual
    investment with you. If you are interested, kindly contact us
    on:avitinvestmentauthority2@gmail.com for more details.

    Looking forward hearing from you soonest.

    Yours truly,
    Mrs Rose Williams
    (Personal Assistant)
    Avit Development Investment Authority(ADIA)
    501 Avenue Montaigne,75008 Paris-France
    Paris-France.Avit Development Investment Authority (ADIA)

    ReplyDelete
  75. Are you in financial problems and need urgent cash help for financial problems, then you can apply here Anita instant cash loans and get cash with an ideal solution, Do you need no credit check loans? You can simply apply these loans and get your needs and we will arrange the loans quickly and conveniently. All people apply here Anita Instant Cash Loans via email(anitaloanfirm1@live.com) without any credit checks and hassle free get cash obtain within 24 hours now today. Apply Now!

    ReplyDelete
  76. How I got a loan that transformed my life

    Good day Everyone: I am Christensen Metcalf I am using this medium to inform the general public on how my life got transformed I have been in search for a business loan for some months now, And just recently a Friend of mine introduced me to Kendrick Investments Limited with Contact number: +13862022899. I told her at the first place that I wasn't interested in any loan deal with banks or any private loan company, then she assured me that this lending firm is a genuine one, though I had doubt within me, I gave a trial and I am glad I did, I was granted a loan sum of $86,000.00 by this firm on 17th of April 2017. My advice to everyone who requires a genuine, legit loan or any form of financial assistance that is reliable,trusted and is capable of paying back its repayments in due time should Contact this private firm via email:kendrick.investments@financier.com Or kendrickinvestmentslimited@outlook.com

    ReplyDelete
  77. How I got a loan that transformed my life

    Good day Everyone: I am Christensen Metcalf I am using this medium to inform the general public on how my life got transformed I have been in search for a business loan for some months now, And just recently a Friend of mine introduced me to Kendrick Investments Limited with Contact number: +13862022899. I told her at the first place that I wasn't interested in any loan deal with banks or any private loan company, then she assured me that this lending firm is a genuine one, though I had doubt within me, I gave a trial and I am glad I did, I was granted a loan sum of $86,000.00 by this firm on 17th of April 2017. My advice to everyone who requires a genuine, legit loan or any form of financial assistance that is reliable,trusted and is capable of paying back its repayments in due time should Contact this private firm via email:kendrick.investments@financier.com Or kendrickinvestmentslimited@outlook.com

    ReplyDelete
  78. Hello everyone, My name is Gina Acampora and i am talking as the happiest person in the whole wild world today and i told my self that any lender that rescue my family from our poor situation, i will tell the name to the whole wild world and i am so happy to say that my family is back for good because i was in need of a loan $ 100,000 USD to start my life all over, due to my profession as i am a single mum, with 4 kids and the whole world seemed like it was hanging on me until i met the GOD sent loan Company that changed my life and that of my family, a GOD fearing firm, Nora Mildred, she was the saviour GOD sent to rescue my family and at first i thought it was not going to be possible until i received my loan of $ 100,000 USD and i will advise any one who is in genuine need of a loan to contact Mrs Nora Mildred via email at. noramildred.loan@hotmail.com because he is the most understanding and kind hearted Loans Service

    ReplyDelete
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  79. Attention,

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    ReplyDelete
  80. Do you need an urgent loan to pay your bill, start up a business, mortgage, buy a car or in any financial situation? You do not have to worry any more just contact us today. We offer loan at a very low rate of 3%. So quick, so easy.. Contact us with this Email: vrdaniels007@gmail.com

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  81. I am lino from United State, i am currently using these medium to alert everyone who is in need of loan to be very careful with online loan lenders. I spend so much money to fraudulent loan lenders in other to secure a loan due to my bad credit, until i came across one Mrs Juliana Conradiee who gave me $95,000.00 within 48hours. You can contact her directly with these email: julianaconradieeloanfirm@gmail.com let's keep passing these message, once you may have got your own Business or Personal Loan. Until she becomes a genius.

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  82. Are You In Need Of A Private Or Business Loans At 3% Rate For Various
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