BREAKING: You can't believe a thing you read!

MONDAY, MAY 14, 2018

The New York Times covers the schools:
How poorly does the New York Times report on public schools?

Put another way, can you believe a thing you read in the hapless, Hamptons-based newspaper?

We're going to say the answers are these—very poorly, and no. Consider the lengthy report in today's editions about the decline of music programs in the city's high schools as large, comprehensive high schools have been replaced by large numbers of much smaller specialty high schools.

Fewer marching bands and orchestras! This is the focus of today's report on Gotham's schools.

The report is more than 1800 words long. We await the day when the paper spends any time examining the way reading and math are taught to first- and second-graders.

That said, can you believe anything you read in the Times, no matter how straightforward and basic? We'd have to say the answer is no. The simplest intellectual standards are notable by their absence. Consider this absurd presentation, which appears fairly early in today's report:
BLOCH AND TAYLOR (5/14/18): The new schools chancellor, Richard A. Carranza, himself a mariachi musician, has said that he plans to focus on the arts, which can especially benefit low-income or socioeconomically disadvantaged students, according to the National Endowment of the Arts. A 2012 analysis of longitudinal studies found that eighth graders who had been involved in the arts had higher test scores in science and writing than their counterparts, while high school students who earned arts credits had higher overall G.P.A.s and were far more likely to graduate and attend college.
Do high school music programs "especially benefit low-income or socioeconomically disadvantaged students?" We have no idea, but it's a popular thing to say. We do know that the authors' citation of that 2012 study constitutes a near-perfect example of correlation apparently being offered as causation.

Who offers journalism that bad except the New York Times?

Right at the start of the report, another possible groaner appeared. In the passage shown below, the reporters refer to the now defunct Columbus High School in the Bronx, a large high school which was closed in 2014.

The authors make an upbeat claim which they call "inarguable." Warning lights were flashing brightly. We decided to check the claim out:
BLOCH AND TAYLOR: Between 2002 and 2013, New York City closed 69 high schools, most of them large schools with thousands of students, and in their place opened new, smaller schools. Academically, these new schools inarguably serve students better. In 2009, the year before the city began closing Columbus, the school had a graduation rate of 37 percent. In 2017, the five small schools that occupy its former campus had a cumulative graduation rate of 81 percent.
As experienced readers of the Times (and of the Washington Post), we knew a potential howler when we saw it.

Wow! Columbus High only graduated 37 percent of its seniors in 2009! The smaller schools which now occupy its building are graduating 81 percent!

We wondered: is it possible that Columbus was an "open admission" school full of struggling students? By way of contrast, is it possible that the five smaller schools are special interest, "admission" schools designed for a different class of students?

We googled a bit, and there it was, over and over and over again. Among reports in the New York Times, the New York Daily News, Education Week and WNYC online, this passage from Crain's New York Business may have boiled the basic history down best:
TRAGER (10/13/13): In Columbus' case, the beginning of the end came in 2003. It began with the spinoff of a college-prep program, one of the school's two rigorous academic initiatives, into a small public high school called Pelham Preparatory Academy, which remained in Columbus' building. A second new high school, called the Bronx High School for the Visual Arts, also opened in the building that year, providing another specialized option for students zoned for Columbus.

The following year, a third institution opened within Columbus, when another highly regarded program spun off as the Collegiate Institute for Math and Science. In just their first year, Pelham Preparatory and Collegiate Institute each siphoned off about 100 honor students from Columbus.
In short, honors programs within Columbus High were turned into new, smaller specialty high schools operating within the Columbus building. This meant that, as a book-keeping matter, Columbus was losing its honors students. They were being transferred to the new admissions-based schools which now boast the better graduation rates.

Here's the way Sharon Otterman described the same general process in the newsppaer known as the New York Times. Otterman's report appeared in 2010:
OTTERMAN (1/25/10): From the classrooms of Columbus, the last seven years have felt like forging ahead though a snowstorm, said Karen Sherwood, an English teacher since 1993. In 2003, for example, its honors programs were peeled off and became separate small schools in its large brick building on Astor Avenue in the Pelham Parkway neighborhood. Three other small schools moved in. (One is now on the city’s closing list for poor performance.) The result was severe overcrowding for Columbus’s 3,400 students, who had classes on the auditorium stage and attended in split shifts between 7 a.m. and 5:45 p.m.

As the Department of Education sent fewer students to Columbus, enrollment began to decline, but so did the academic level of its entering student body. By 2005, only 6 percent of the entering eighth graders were reading at grade level, and the proportion of special education students rose to nearly a quarter. Another reorganization led the school to create small clusters with names like “Equality” and “Justice,” and to form work-study and other structured programs that give students on the verge of dropping out a second chance.

[...]

The Columbus student body is in constant flux. Because the school has unscreened admissions, it takes children expelled from charter schools, released from juvenile detention, and others on a near-daily basis: last year, 359 of its 1,400 students arrived between October and June. Even after the city proposed the school’s closing in December, it received 27 more students. Lisa Fuentes, the Columbus principal since 2002, said she believed that her school was succeeding, considering its challenges. Her feeling is that city wants the space her school occupies, for small schools and charters.
For better or worse, the honors students were siphoned off into the new, smaller high schools. Columbus itself was left with kids expelled from charter schools, mixed with other kids live and direct from juvie.

This general process has been described in a wide array on publications. Today, two reporters for the Times offer you a silly account in which you're asked to marvel at the "inarguable" way the smaller schools are doing better than the bigger school did, back when the bigger school had been left with only these challenging students.

Also, high school students who earn arts credits have higher overall G.P.A.s! We know that because of a study! Bring back the marching bands!

It's very hard for people to grasp how bad the work is at the Times. That said, the work at the Times is very poor. Anthropologically speaking, it's almost impossibly bad—a mixture of sheer incompetence and apparent contempt for its readers.

On the bright side, it will soon be Thursday morning. Let's head out for the Hamptons for a weekend with Muffie and Biff!

A former teacher's account: Here's the way a former Columbus High teacher described the slow decline for Education Week. Her report appeared shortly after Columbus High formally closed:
GARON (7/8/14): Columbus...eventually became the de-facto "dumping ground" for all types of late enrolling students—kids missing credits, transferring due to disciplinary issues at other schools, or newly arriving in the United States. Understandably, these students came with a lot of difficulties that hindered their credit accumulation and passing of state tests, thus making the graduation rates further sink. The trend of placing students like these in "failing" schools isn't unique to Columbus; a study by the Annenberg Group showed that in fact, overwhelmingly, these late-enrollers are placed almost exclusively in failing schools, perpetuating the intractably low graduation rates, and thus giving Department of Education higher-ups seemingly air-tight reasons to close down these schools for low performance.

And in fact, this is what happened at Christopher Columbus High School, which closed its doors at the end of June. Several small schools exist on what is now the Columbus Campus, jockeying for resources and bickering over classroom space. But "Big Columbus" is no more.
The honors students got siphoned out. These challenging students were left behind. The Times served us cotton candy today, telling us how much better the smaller specialty schools are now doing, graduation-wise.

This is the way of the New York Times, a foppish, upper-class pseudo-paper which manifestly doesn't know and rarely seems to care.

92 comments:

  1. The basic problem with Columbus, according to Garon, was overcrowding:

    "In truth, much of Columbus' issues were attributable to extreme over-crowding; the school was at 147% capacity, so students were on a split schedule, wherein the freshmen and sophomores did not begin their classes until noon and did not finish until nearly 6pm. There simply wasn't enough room to house all the kids in the building at the same time."

    This, coupled with the DOE policy, stemming from around 2003 (as contained in Trager's report):

    "According to Lisa Fuentes, Columbus' principal since 2003, therein lies another factor in her school's downward spiral. She noted that both the institution and "families in the community" were hurt by the DOE's move about a decade ago to stop requiring students to attend their neighborhood, or zoned, schools. Under the new rules, they can apply to wherever they want to go. But lacking any sort of rigorous admission requirements, Columbus ended up as a catchment for academically challenged students residing anywhere within the five boroughs. "

    Is it fair to assume Somerby objects to this DOE policy? It is what is called "school choice" by its advocates.

    Now, Bloch and Taylor in today's Times article are not praising the breakup into smaller schools and closing of Columbus. They actually state that maintaining a viable music program in a small school is difficult. This could be interpreted as a criticism of the smaller school approach, or at least a description of a problem.

    As far as Somerby's Neanderthal mocking of the idea of music ("marching bands!"), or at least his questioning of it, he can go jump in a lake. Besides, his claim that the connection between music education and academic achievement is a "correlation, not a causation", that can be said of any potential factor that influences educational achievement, including race, gender, and poverty level.

    ReplyDelete
    Replies
    1. There are actual studies of the impact of extracurricular activities and vocational classes on academic performance. They do benefit kids. In particular, kids at risk for dropping out are more likely to stay in school when they have such activities to care about. It motivates them to improve in their other classes in order to have the opportunity to engage in athletics, band, art and club activities.

      I agree that Somerby's talk about correlation is not causation, something he said a few days back too, is fatuous. A lot of social science involves inability to manipulate variables of interest but there are statistical techniques available to explore causality, nevertheless. In such studies, no one is mistaking a spurious correlation for causality. Why aren't philosophy majors required to take stats on the assumption they will be working outside the field of philosophy? Somerby parrots this stuff without understanding how research works -- and always without bothering to look up anything in the large education literature.

      For those of you who want me to look up those studies, done a long time ago, you can go fish. Somerby is illustrating the problem when you take Ivy League grads and put them into a classroom without any exposure or training in education. He will say stupid stuff than any teacher already knows.

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    2. Somerby is on target with his comment about correlation vs. causation. Here's an expansion of the idea. When A and B correlate, there are 3 basic possibilities:
      1. A causes B
      2. B causes A
      3. Some other factor causes both A and B.

      Consider the situation the article describes: A 2012 analysis of longitudinal studies found that eighth graders who had been involved in the arts had higher test scores in science and writing than their counterparts

      It's likely that this is an example of #3. Better students are more apt to be involved in the arts and also more apt to do well at science and writing.

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    3. Go look up linear regression and structural equation modeling.

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    5. David, did you consider these possibilities?

      4. Nothing causes A.
      5. Nothing causes B.

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    6. Dave the Guitar PlayerMay 15, 2018 at 12:47 PM

      While I agree that music (and all the arts) should be part of a comprehensive education for all children, I am deeply skeptical of the idea that adding a band to Columbus High School would have made much difference in the reading level for the most disadvantaged students put there. Bob's point is that the media focuses too much on simple solutions offered by various self-serving groups, rather than any real knowledgeable analysis.

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    ReplyDelete
  7. We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )

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    ReplyDelete
  8. I want to let the world know about Doctor abel the Great spell caster that brought back my husband to me when i thought all hope was lost. Doctor abel used his powerful spell to put a smile on my face by bringing back my man with his spell, at first i thought i was dreaming when my husband came back to me on his knees begging me to forgive him and accept him back and even since then he loves me more than i ever expected so i made a vow to my self the i will let the World know about Doctor abel because he is a God on earth. Do you have problems in your relationship ? have your partner broke up with you and you still love and want him back ? Do you have problem with your finance ? or do you need help of any kind then contact Doctor abel today for i give you 100% guarantee that he will help you just as he helped me. Doctor abel email is: bantespelltemple@gmail.com or whatsApp him +2347059073543

    ReplyDelete

  9. After being in relationship with my husband for nine years,he broke up with me, I did everything possible to bring him back but all was in vain, I wanted him back so much because of the love I have for him, I begged him with everything, I made promises but he refused. I explained my problem to someone online and she suggested that I should rather contact a spell caster that could help me cast a spell to bring him back but I am the type that never believed in spell, I had no choice than to try it, I mailed the spell caster, and he told me there was no problem that everything will be okay before three days, that my ex will return to me before three days, he cast the spell and surprisingly in the second day, it was around 4pm. My ex called me, I was so surprised, I answered the call and all he said was that he was so sorry for everything that happened, that he wanted me to return to him, that he loves me so much. I was so happy and went to him, that was how we started living together happily again. Since then, I have made promise that anybody I know that have a relationship problem, I would be of help to such person by referring him or her to the only real and powerful spell caster who helped me with my own problem and who is different from all the fake ones out there. Anybody could need the help of the spell caster, his email is (LAVENDERLOVESPELL@YAHOO.COM } tel.+2348102652355) you can email him if you need his assistance in your relationship or anything.https://lavenderlovespell.wordpress.com

    ReplyDelete
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    ReplyDelete


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    ReplyDelete
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  13. Hello, Apply and get qualify for a loan.Interest rate 1% easy process.
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    ReplyDelete


  14. TO APPLY FOR A LOAN IN OUR COMPANY

    Business & Personal Loan Offer
    Affordable installment loans.
    Guaranteed fixed payments.
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    Do you need Financial help?
    Need a personal loan for an unexpected expense?
    Do you need a Business Setup Loan?
    Need MARVIN INVESTMENTS LIMITED provides personal loans to individuals
    And Companies Body with no or less than perfect credit.
    We Offer from 5,000.00 USD to 900 Million USD,
    ( so if Interested Contact us: contact via E_mail:

    Kindly contact our front desk via below e-mail Direct all Mail to:
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    ReplyDelete
  15. DO YOU NEED AN AFFORDABLE LOAN TODAY?

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    ReplyDelete
  16. After being in relationship with markiss for seven years,he broke up with me, I did everything possible to bring him back but all was in vain, I wanted him back so much because of the love I have for him, I begged him with everything, I made promises but he refused. I explained my problem to someone online and she suggested that I should rather contact a spell caster that could help me cast a spell to bring him back but I am the type that never believed in spell, I had no choice than to try it, I mailed the spell caster, and he told me there was no problem that everything will be okay before three days, that my ex will return to me before three days, he cast the spell and surprisingly in the second day, it was around 4pm. My ex called me, I was so surprised, I answered the call and all he said was that he was so sorry for everything that happened, that he wanted me to return to him, that he loves me so much. I was so happy and went to him, that was how we started living together happily again. Since then, I have made promise that anybody I know that have a relationship problem, I would be of help to such person by referring him or her to the only real and powerful spell caster who helped me with my own problem and who is different from all the fake ones out there. Anybody could need the help of the spell caster, his email: drosemudiamenspellhome@gmail.com you can email him if you need his assistance in your relationship or anything. I CAN NEVER STOP TALKING ABOUT HIM, HIS EMAIL ADDRESS IS: drosemudiamenspellhome@gmail.com CONTACT HIM NOW FOR SOLUTION TO ALL YOUR PROBLEM

    ReplyDelete
  17. TESTIMONY ON HOW I GOT MY LOAN TO PAY MY BILLS

    My name is Mike Davis. I live in USA California and i am a very happy man today,I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them.They gave happiness and my family, i was in need of a loan of $250,000.00 to start my life all over as a widower with 2 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, A reputable loan company.

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    ReplyDelete
  18. I spend a lot of time in airports, including 4 hours Sunday in
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    This reminds me of a time about a year ago when I was stuck in the
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    1) Start your day with water and fiber. I truly believe drinking
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    2) Eat 1 cup of raw vegetables prior to eating your regular lunch
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    3) Eat only almonds, raw vegetables, & fruit between meals.

    4) Don't eat more than 40g of carbohydrates at any meal.

    5) Don't go to bed full. Eat only a small protein snack in the
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    6) Drink 6 cups of green tea per day (3 in AM, 3 after lunch)

    Advanced Exercise Tips

    1) Add 10 seconds to each work interval.

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    Go here to get started: ===> Advanced tips to lose inches from your waist <=====

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    CB

    PS - For maximum fat loss...

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    ReplyDelete
  19. TESTIMONY ON HOW I GOT MY LOAN TO PAY MY BILLS

    My name is Mike Davis. I live in USA California and i am a very happy man today,I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them.They gave happiness and my family, i was in need of a loan of $250,000.00 to start my life all over as a widower with 2 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, A reputable loan company.

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    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 Mr Mike Davis directed you to them.
    contact via E_mail: marvininvestmentslimited@outlook.com

    ReplyDelete

  20. I am very happy today with my family. My name is rose sarah living in USA, My husband left me for a good 3 years now, and i love him so much, i have been looking for a way to get him back since then. i have tried many options but he did not come back, until i met a friend that darted me to Dr.Jude a spell caster, who helped me to bring back my husband after 2 weeks. Me and my husband are living happily together today, That man is great, you can contact him via email liberationlovespell@gmail.com… Now i will advice any serious persons that found themselves in this kind of problem to contact him now a fast solution without steress.. He always hello, now i call him my father.contact him now he is always online email (liberationlovespell@gmail.com) or contact him on his whatsapp mobile line +2348034062173

    ReplyDelete

  21. I am very happy today with my family. My name is rose sarah living in USA, My husband left me for a good 3 years now, and i love him so much, i have been looking for a way to get him back since then. i have tried many options but he did not come back, until i met a friend that darted me to Dr.Jude a spell caster, who helped me to bring back my husband after 2 weeks. Me and my husband are living happily together today, That man is great, you can contact him via email liberationlovespell@gmail.com… Now i will advice any serious persons that found themselves in this kind of problem to contact him now a fast solution without steress.. He always hello, now i call him my father.contact him now he is always online email (liberationlovespell@gmail.com) or contact him on his whatsapp mobile line +2348034062173

    ReplyDelete
  22. My husband was flirting with another woman. until he vanished away, I was desperate to get him back, I wasted so much time and money trying to get my Husband back, I tried almost all possibilities to have him back and nothing worked. I became lonely. To make it short, I found a spell caster Dr Paul. I saw the good testimonies about his wonderful work and after reading the Testimonials, I decided I had to try and give it one last try and After the spells, a miracle happened, my husband came home. It was awesome, anyone who needs help, should email him astoriashrine@gmail.com Or whatsApp him on these number. +2348156885231.
    You can as well click on this link here ( https://youtu.be/ha4M9h_2WCo) to watch his video on YouTube. He recently restored back my relationship again with his powers.

    ReplyDelete
  23. My husband was flirting with another woman. until he vanished away, I was desperate to get him back, I wasted so much time and money trying to get my Husband back, I tried almost all possibilities to have him back and nothing worked. I became lonely. To make it short, I found a spell caster Dr Paul. I saw the good testimonies about his wonderful work and after reading the Testimonials, I decided I had to try and give it one last try and After the spells, a miracle happened, my husband came home. It was awesome, anyone who needs help, should email him astoriashrine@gmail.com Or whatsApp him on these number. +2348156885231.
    You can as well click on this link here ( https://youtu.be/ha4M9h_2WCo) to watch his video on YouTube. He recently restored back my relationship again with his powers.

    ReplyDelete
  24. My husband was flirting with another woman. until he vanished away, I was desperate to get him back, I wasted so much time and money trying to get my Husband back, I tried almost all possibilities to have him back and nothing worked. I became lonely. To make it short, I found a spell caster Dr Paul. I saw the good testimonies about his wonderful work and after reading the Testimonials, I decided I had to try and give it one last try and After the spells, a miracle happened, my husband came home. It was awesome, anyone who needs help, should email him astoriashrine@gmail.com Or whatsApp him on these number. +2348156885231.
    You can as well click on this link here ( https://youtu.be/ha4M9h_2WCo) to watch his video on YouTube. He recently restored back my relationship again with his powers.

    ReplyDelete
  25. DO YOU NEED AN AFFORDABLE LOAN TODAY?

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    * Home Loans

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    ReplyDelete
  26. A MUST READ: HOW I GOT MY LOAN OF $650,000.00 FROM THIS GREAT COMPANY CALLED Refal Luciano LOAN HOME

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    ReplyDelete
  27. Dear Loan Seeker's!

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    ReplyDelete
  28. Dear Loan Seeker's!

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    ReplyDelete
  29. We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )

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    ReplyDelete
  30. Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

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    ReplyDelete
  31. How I was able to buy my own house.

    My name is Heidi Steward, from Windsor, Ontario Canada, I want to express my heartfelt gratitude to JENNARD INVESTMENTS LIMITED for helping me with a loan of $73,000, to purchase a house of my own with a low interest rate of 3%, on the 14th of May 2018 after being turned down by my bank and other financial agencies I visited. I also want to reach out to the general public as I recommend everyone out there in need of financial assistance to contact this company in other not to fall into the wrong hands while searching of a liable loan via email address: jennardinvestmentslimited@outlook.com and contact number: +1(484)292-4513.

    ReplyDelete
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    ReplyDelete
  33. DO YOU NEED AN AFFORDABLE LOAN TODAY?

    We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.

    Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Mr. Russell Logan Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (russellloganloanhome@gmail.com) Phone: +1(704) 489-3977

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    We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (russellloganloanhome@gmail.com) Phone: +1(704)489-3977

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    ReplyDelete
  34. How I was able to buy my own house.

    My name is Heidi Steward, from Windsor, Ontario Canada, I want to express my heartfelt gratitude to JENNARD INVESTMENTS LIMITED for helping me with a loan of $73,000, to purchase a house of my own with a low interest rate of 3%, on the 14th of May 2018 after being turned down by my bank and other financial agencies I visited. I also want to reach out to the general public as I recommend everyone out there in need of financial assistance to contact this company in other not to fall into the wrong hands while searching of a liable loan via email address: jennardinvestmentslimited@outlook.com and contact number: +1(484)292-4513.

    ReplyDelete
  35. How I was able to buy my own house.

    My name is Heidi Steward, from Windsor, Ontario Canada, I want to express my heartfelt gratitude to JENNARD INVESTMENTS LIMITED for helping me with a loan of $73,000, to purchase a house of my own with a low interest rate of 3%, on the 14th of May 2018 after being turned down by my bank and other financial agencies I visited. I also want to reach out to the general public as I recommend everyone out there in need of financial assistance to contact this company in other not to fall into the wrong hands while searching of a liable loan via email address: jennardinvestmentslimited@outlook.com and contact number: +1(484)292-4513.

    ReplyDelete
  36. DO YOU NEED AN AFFORDABLE LOAN TODAY?

    We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.

    Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Mr. Russell Logan Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (russellloganloanhome@gmail.com) Phone: +1(704) 489-3977

    DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
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    * Hotels Loans
    * Education Loans
    * Mortgage
    *Refinancing Loans
    * Home Loans

    We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (russellloganloanhome@gmail.com) Phone: +1(704)489-3977

    NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

    Yours Sincerely,
    Mr. Russell Logan
    +1 (704) 489-3977
    We are certified and your privacy is 100% safe with us. Worry no more about your financial problems.


    Get your instant loan approval

    ReplyDelete
  37. WELCOME TO ABIGAIL MILLS abigailmills.loans227@gmail.com our aims is to provide Excellent Professional Service.

    Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?.

    Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose – from vacations, to education, to unique purchases

    We offer a wide range of financial services which includes: Personal Loans, Debt consolidation loans, Business Loans, Education Loans, Mortgage Secured Loan, Unsecured loan, Mortgage Loans, Payday off Loans, Student Loans, Commercial Loans, Car Loans, Investments Loans, Development Loans, Acquisition Loans, Construction Loans, with low interest rate at 2% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme.

    WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

    Please, contact us for more information: abigailmills.loans227@gmail.com
    Kindly write us back with the loan information;

    BORROWER INFORMATION

    1)Full Names:
    2)Country:
    3)address:
    4)State:
    5)Sex:
    6)Marital Status:
    7)Occupation:
    8)Phone Number:
    9)Monthly income:
    10)Next of Kin:
    11)Loan Amount Needed:
    12)Loan Duration:
    13)Purpose of Loan:
    14)Specific date you need the loan:

    If you are interested to get a loan then kindly write us with the loan requirement.
    Please, contact us for more information: abigailmills.loans227@gmail.com

    Yours Sincerely,
    Mrs Abigail Mills
    abigailmills.loans227@gmail.com

    We look forward to hear from you ASAP

    Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

    ReplyDelete
  38. My name is Mrs Abigail Mills we are a new legit loan lenders of 2018 and we like to help any body that need financial help we offer as from $500,000.00 and $5,000,000.00 and we also give out loans in euro above that so if you need help kindly send us an email on:abigailmills.loans227@gmail.com so that your loan transaction can take place now you will be with your loan in the next 24 hours it is a fast transfer and is safe without any delay. So email:abigailmills.loans227@gmail.com if interested

    Email:abigailmills.loans227@gmail.com

    ReplyDelete
  39. WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

    Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

    Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, to education, to unique purchases. Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

    We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 2.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

    WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

    Please, contact us for more information: abigailmills.loans227@gmail.com
    Kindly write us back with the loan information;
    - Complete Name:
    - Loan amount needed:
    - Loan Duration:
    - Purpose of loan:
    - City / Country:
    - Telephone:
    - How Did You Hear About Us:

    If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: abigailmills.loans227@gmail.com
    Yours Sincerely,
    Mrs. Abigail Mills

    We look forward to hear from you ASAP

    Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

    ReplyDelete
  40. Greetings..
    Please contact us for your secure and unsecured Loan at an Interest rate of 2%
    ………………………………….

    Is the difficulty of the economy affecting you this year,? If your answer is yes, then you need a loan. I’m Mrs Abigail Mills, the owner of a lending company We offer safe and secure loans at an interest rate of 2%.

    * Are you financially squeezed?
    * Do you seek funds to pay off credits and debts?
    * Do you seek finance to set up your own business?
    * Are you in need of private or business loans for various purposes?
    * Do you seek loans to carry out large projects?

    If you have any of the above problems, we can be of assistance to you but I want you to understand that we give out loans at the interest rate of 2%.

    * Borrow anything up to $95,000,000 USD.
    * Choose between 1 to 20 years to repay.
    * Choose between Monthly and Annual repayments Plan.
    * Flexible Loan Terms.
    Please if you are interested check back with us through this email address: abigailmills.loans227@gmail.com

    We promise a 100% guarantee that you will receive your loan at the end of this loan transaction.There is no security check, no credit check

    Regards
    Abigail Mills
    Abigail Mills loan company

    ReplyDelete
  41. Attention

    We are a financial consultant that handles international finances for any amount of banking instruments. We have the access/contacts to raise from $10 thousand to $500 Million Dollars, With our company (Abigail Mills loan company) and other TOP PRIME AA BANKS like Bank of America, HSBC, JPMorgan Chase & Co, Wells Fargo, The Best Banks for SBA Loans etc.

    Feel free to engage our leased facilities in trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans) and many more.

    We have provided over $1 Billion in business loans to over 17,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $500 million.

    Do you find yourself in a bit of trouble with unpaid bills and don't know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Patricia Kingsman loan company is the answer. Reduce your payments to ease the strain on your monthly expenses. contact us via Email(abigailmills.loans227@gmail.com)

    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved. Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable.
    Email us via: abigailmills.loans227@gmail.com

    Regards
    Mrs Abigail Mills
    Email: abigailmills.loans227@gmail.com
    Motto: We offer the fastest and reliable financial services

    ReplyDelete
  42. Hello Everyone

    My name is THOMAS CHRISTOPHER and i am from Washington, D.C. i want to tell you all loan seekers that there is only one real loan company that offer loans and they helped me with my loan the name of the company is Macro loan company and the loan lender that helped me with my loan her name is Mrs Abigail Mills so if you need a loan without being scammed go to this company now and receive your loan there loans is safe and fast their mail is abigailmills.loans227@gmail.com so wish you all the best loan seekers this is the real company that offer loans.

    Email: abigailmills.loans227@gmail.com

    My Regards to you all

    ReplyDelete
  43. Hello everyone my name is katheryn Liz Rhea am from San Francisco USA. I just received my loan now from Mrs Abigail Mills loan company they are new legit loan company of 2018 and it has not been long i received my loan from them i got my loan from them today and now as am posting this message i am very happy this company is real great so anyone that need a loan contact this company they are real great their mail is abigailmills.loans227@gmail.com

    ReplyDelete
  44. Hello everyone my name is Maksims Odincovs and i am from USA, Chicago i have been on the internet and i have heard people saying they have been scammed before and i urgently need a loan so i was afraid to apply for a loan online thing i saw 3 people testify about Mrs Abigail Mills loan company that they got there loan from her i have never applied for a loan before and i was so afraid that i will get scammed but i believed what the people says and apply from that loan company and everything was fine and they told me to send the transfer fee which will be used to transfer my loan when they told me that i was so afraid that it was a scammed so i sat down and i thought about it and i went back to them and tell them i have never done this before but Mrs Abigail Mills said i should trust them that they are going to help me so i did and i went to send the fee which they said i should send for the transfer of my loan just today i got an alert from my back that there is money on my account. Today i am very happy i have never been scammed before and i got my loan once so now i am happy and me and my family us going to be happy too so anyone that need a loan should apply from this company without been scammed because she is real and great and i pray God should continue to use her to help people of there loans. her mail address is abigailmills.loans227@gmail.com.

    Once again i remain Maksims Odincovs

    ReplyDelete
  45. My name is Deann Twila Alba i am from San Antonio i have heard of this company that they give loans and i went to apply for a loan from them i have heard people saying about scam but i have never been scammed before this company helped me with my loan so anyone that need a loan should apply from them there loans is fast and safe their mail address abigailmills.loans227@gmail.com

    ReplyDelete
  46. Hello Everyone

    My name is Gabriela Yunes i am from New York City i have been looking for a loan online and all i get is scammers but i found this loan company called Abigail Mills loan company and i have seen people online testify about there good deeds so i decided to try if i will be happy once again so i applied for a loan of $350,000.00 and the loan lender Mrs Abigail Mills assured me that in 12 hours my loan will be in my bank account so today as i was working i received a message from my bank that there is some funds of $350,000.00 in my account and i thank Abigail Mills because she is real so if you need any online loan please do not be scammed like me apply from this company because she is the only real company that gives loan online. Their mail address is abigailmills.loans227@gmail.com

    ReplyDelete
  47. My name is Vonda Dionne i am from Los Angeles i just got my loan from a new legit loan company of 2018 and the name of the company that helped me with my loan today is Abigail Mills loan company they are the most lovely loan company i have ever came across with i applied for a loan from them yesterday and the only thing i did was pay the transfer fee which they said i should pay and immediately i make the payment in the next 12 hours time i was with my loan sorry i can not say how much they helped me with but it is a large amount of money so everyone if you need a real loan this is the right loan company to contact their mail address is abigailmills.loans227@gmail.com

    ReplyDelete
  48. Good day everyone my name is Donna Susan Patricia and i am from Houston, USA i want to use this chance i have now to write this message to the internet if anyone of you is looking for a loan real this is the right company to contact i am a business woman and i applied for a loan in a 2017 legit company and the name of the company is Abigail Mills loan company they have been helping people since 2016 and we are in 2018 now and i just received my loan from them so if anyone of you need a loan go and apply from them because they are real i just pray you people that need help with a loan don't get scammed that is why i am using this chance to write this message on the internet if you need a loan legit loan apply from this company so that you wont get scammed when you apply from the wrong company. their E-mail address is abigailmills.loans227@gmail.com.

    Have a nice day everyone and i pray you are all happy as i am today

    ReplyDelete
  49. My name is Kimberly Lori Cheryl and i am from US, San Jose i want to use this time to tell everyone on the internet on how i received my loan after been scammed 3 times i applied for a loan from Abigail Mills loan company yesterday i saw people testify about her good works and on how she helped people so i decided to apply and she told me what i needed to do i was scared but i did it this morning now i just received an alert from my bank there there money in my account and i checked the amount and it was my loan i am so happy. So i want to use this time and say to everyone on the internet that this company is real if you need a loan this company is the right company to apply from do not get scammed like me because there are scammers out there apply from this company and you will be happy. their mail address is abigailmills.loans227@gmail.com

    ReplyDelete
  50. My name is Freida Erna Madeleine i am from Chicago USA i want to use this time to write to the internet that i just received my loan funds of 5 million dollars from this company called Abigail Mills loan company at first i did not believe what people were saying on the internet but i decided to try and i applied for the loan 2 days ago and i just received a call from my bank that there is the sum of 5 million dollars in my account and immediately i received an alert from my bank Abigail Mills loan company called me and asked me if i have received my loan and i told them yes so they said i should bring more people to there company if anyone do need a loan so if you really do need a loan this is the company to apply from they are really great and i believe now that there is a real loan company that gives loans and that company is Abigail Mills loan company so if anyone of you need an urgent loan and it is important this is the right company to apply from. Their mail address is abigailmills.loans227@gmail.com.

    finally i am really happy and can start my own business now. Thank you once again Patricia you are great and God bless you and your company.

    ReplyDelete
  51. My name is Gwendolyn Tammie Shari. I am a single mother and i am from Canada and i live in the city of Montreal. I want to use this time to tell everyone in the internet that there is only one company that offers real loan and that company is Abigail Mills. I was looking for a loan online for the past 3 weeks now and all i have got is lenders scamming me of my money that i had God knows i was so poor and i wanted to kill my self but there i saw so many people testify about this company that they give out loans at first i did not believe cause i saw other testimonies of other lender and they all turned to be scams. I said let me apply from this company and see if it is true and immediately i applied they told me everything i needed to do and i agreed and they assured me that in 8 hours time i was going to be with my loan cause they said they are using fast transfer service. At first i did not believe but i waited for my loan before 8 hours time i received an alert from my bank and be hold it was my loan i was very sucked when i saw it and i prayed to God for directing me to the right company who helped me today as i am writing this on the internet now i just received my loan from this company and i am using this time to testify to other people if you need a loan a loan don't be fooled this is the right company to apply from. Their Email address is abigailmills.loans227@gmail.com

    This company is true and great if you need a loan apply now and wait for your loan cause you will be happy with this company.

    Thanks everyone and i remain Gwendolyn Tammie Shari.

    ReplyDelete
  52. Good day My name is Ebba Agnes Lilly i am from New York City this company Abigail Mills people are talking about is real i never wanted a loan but i just said i should try this company and see if what people are saying is true and i applied for a loan from them yesterday and i just received my loan today from Abigail Mills loan company anyone if you read this message and you need a loan apply from this company cause they are going to help you this company is the only company that offers real loan online. The loan i applied from them was $75,000.00 dollars and in 8 hours time i received my loan so my friends don't be scammed if you need a real loan this is the right company to apply from. If you are interested of there loans their mail address is abigailmills.loans227@gmail.com.

    ReplyDelete
  53. Hello Everyone

    I am Wilma Linnea Matilda and i am from Philadelphia USA. I was looking for an online loan and i was very scared i have never applied for a loan before and i searched very well and search for a real company there i found a company called Abigail Mills loan company i look and i saw what people said about this company was true i decided to apply for a loan from the company and i needed a loan of $150,000.00 dollars to start a business when i applied she told me all i needed to do i did it and she assured me that in 8 hours time i was going to be with my loan i said okay and i waited in exactly 8 hours time i receive my loan from this company as i am writing this now i have never been scammed before and this company is great i have been hearing people talking about scams but i have never been scammed before and i thank God for that. So everyone if you need a real loan this is the right company to apply from they will help you and the time they tell you that you will receive your loan that is the exact time you will receive your loan. I just have to write this message to everyone so that you wont apply for a loan from the wrong company if you need a real loan contact this company and you will be happy. Their mail address is abigailmills.loans227@gmail.com.

    ReplyDelete
  54. Good day everyone

    My name is Vanessa Jodi i am from Los Angeles USA. I want to use this time to write to the internet that anyone if you need a true loan Abigail Mills is the right company to apply from few days i was in need of money and i looked for a loan online i saw a company and i applied that company cheated me 2 times of my money i was so sad cause i needed money so i decided to look for another company and i applied from another company that same company also told me to deposit money and i did and never got my loan i was like what is happening to me cause i needed money urgent to buy a house cause if i do not get a house soon my landlord will drive i and my family away from his house so i needed to get my own house. When i was searching again i saw this company Abigail Mills i saw a lot of people testified about this company that the company is truly great so at first i was afraid to apply cause i was cheated 2 times so i said to my self let me try and see if this company was real so i applied. When i applied they told me all i was needed to do i was still afraid but i trusted them and they assured me that in 8 hours time i was going to be with my loan i wanted for my loan and on my eyes i revived an alert from my bank that there were a sum of $200,000.00 into my bank account and i was very happy in a while ago the company called me and asked if i have received my loan and i told them yes and o thank them and as i am writing this message on the internet now this company have also helped my 2 brothers so anyone if you need a true loan Abigail Mills is the right company to apply from. In case you are in need of money you can only contact them via mail and their E-mail address is abigailmills.loans227@gmail.com. I thank everyone who rad my message and be safe and apply from this company because you will be happy with them.

    ReplyDelete
  55. My name is Robert Christopher. I am from USA New York City. I want to write to the internet that if you need a real loan Abigail Mills is the real loan company that gives loan i applied for a loan from this company last week Friday and i just received my loan from them today so everyone if you need a real loan without been scammed this is the right company to apply from thus company is truly great and they are real so many people that have been scammed if you need a loan without being scammed this is the real company that gives loans i applied for a loan from this company Abigail Mills and i received my loan today so anyone around the world if you need a true loan locate this company and be rest assured that this company is going to put a smile to your face. the company can be contacted via mail their mail address is abigailmills.loans227@gmail.com Thanks to anyone that will read this message this company does not know am doing this i am only doing this for people in need of a real loan to be safe.

    ReplyDelete
  56. I am Brayden Wyatt Bryce by name i am a police officer and i live in New York city in USA. Few days ago i was searching for a loan online and i only found people scamming me of my money. I really need this loan for a project in Colombia and i have been cheated severally one day when i was off duty i decided to look again this time for a true company that give loans i found this company named Abigail Mills loan company and a lot of people have testify about this company at first i did not believe but i decided to apply the loan i was looking for was the sum of $7,000,000.00 i applied from this company and they told me all that needs to be done i trusted them and i did what they told me to do and they assured me that in 8 hours time i was going to be with my loan safely i never believed them but i waited for my loan in exactly 8 hours time i got a call from the company that if i have received my loan yet and i said No. They told me to go to my bank and check my account that my bank might not send me an alert i obeyed and i went to my bank and check my account on my eyes i saw my loan of $7,000,000.00 in my account the money i was having on my account before was $1,000,000.00 and i now found $8,000,000.00 pulse my money and my loan was $8,000,000.00 i am so happy and i thank this company for they are great. I want to use my little time to write to people in United States that if you need a real loan Abigail Mills is the right company to apply from this company does not know am doing this so anyone if you need a loan you can only contact this company via mail or whatsapp but i do not use whatsapp so their mail address is abigailmills.loans227@gmail.com

    ReplyDelete
  57. My name is Leo Daniel Archer and i am from Australia i live in a city of Sydney. Have been looking for a loan online since can not get a loan from my bank and have only found people scamming me of my money. Last week i was scammed by a loan company and God know i was ready to end my life but i said to my self let me try and see if i will see a honest company that was ready to help you. So i settled down and search for a company and i read so many good comments about this company Abigail Mills and i said let me apply and see if i will be lucky as other people i was afraid but i gave my self a chance and i applied for a loan of $80,000.00 i explained to this company that i have been scammed and they told me not to worry that they will help you that they have helped so many people from my country before. So i gave this company a chance and they assured me that in 8 hours time i was going to be with my loan i did not believe but i waited for my loan. In exactly 8 hours time i received an alert from my back that my account has be credited with $80,000.00. All thanks to Patricia Kinsgman this company is God cent. And i made a promise to my self that i will testify this company on how they helped me this company do not know am doing this now that am telling people on the internet how they helped me so everyone if you need a real loan Abigail Mills is here to help you do not be fooled by fake people who clam to be lender. I almost forgot you can only contact this company via mail and there contact details is abigailmills.loans227@gmail.com. This company is real and true so anyone that reads this message and you are interested contact this company cause they are the only one's that can help solve your problems.

    ReplyDelete
  58. Abigail God will bless you and your company

    My name is Veronica Rose Holly. I am from Chicago USA. I have nothing much to say anyone that need a true loan without you being cheated should apply from Abigail Mills cause i applied for a loan from this company today after i read so many good and wonderful comments about this company. I applied for a loan to pay my debts and all i needed was $50,000.00 because i will also use part of that money to pay my children school fees. As i am writing this on the internet now i just received my loan from this company today and i am so happy i never believed i would ever be happy again cause i have passed through a lot and i thank God for Abigail Mills God will bless her and his company for putting a smile to my face. So anyone around the world from Spain and other countries that need a loan your helper is here and the company is Abigail Mills anyone that applied from Abigail Mills loan company will have no problem cause you will receive your loan exactly the time she tells you. their company Email address is abigailmills.loans227@gmail.com

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    ReplyDelete
  59. My name is Gwendolyn Shirley Tammie and i am from Houston in USA i just received my loan from Abigail Mills loan company right now and i have heard about this company and i thought it was a fake company but now i am so happy this company helped me and 100% this company is real so anyone that need a loan this is the right company to apply from now i applied for a loan for my business of 250,000.00 USD and this company helped me without delay i am so happy i am testifying this company because i saw other people do it and i am happy to be among the people who shares testimony on how this company helped me so everyone if you need a real loan your helper is here. their contact information is abigailmills.loans227@gmail.com

    ReplyDelete
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  63. Hi Guys...Email Dr. Sam for urgent love spell Supremespellcast@gmail.com


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  66. ENOUGH IS ENOUGH FOR THE WISE,PROSPER LOAN FIRM IS THE ONLY WAY OUT FROM ANY FINANCIAL DIFFICULTIES { prosperloanfirm@yahoo.com }

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  68. How A Legitimate Lender Helped Me

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  69. How A Legitimate Lender Helped Me

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  70. BEST ONLINE LOVE SPELL CASTER TO GET YOUR EX LOVER, HUSBAND, WIFE, GIRLFRIEND OR BOYFRIEND BACK. ADD HIM UP ON WHATSAPP: +1 (859)-203-2241

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    ReplyDelete
  71. i am ERIC BRUNT by name. Greetings to every one that is reading this testimony. I have been rejected by my wife after three(3) years of marriage just because another Man had a spell on her and she left me and the kid to suffer. one day when i was reading through the web, i saw a post on how this spell caster on this address assurancesolutionhome@gmail.com have help a woman to get back her husband and i gave him a reply to his address and he told me that a man had a spell on my wife and he told me that he will help me and after 3 days that i will have my wife back. i believed him and today i am glad to let you all know that this spell caster have the power to bring lovers back. because i am now happy with my wife. Thanks for helping me Dr Larry contact him on email: assurancesolutionhome@gmail.com Dr Larry TEMPLE.. or Whats-app +1(424)-261-8520
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  73. RELIABLE AND AFFORDABLE LOAN OFFER FOR PERSONAL LOAN, INVESTMENT LOAN & BUSINESS LOAN at Email: profclaudecapital@gmail.com

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  79. Hello,

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