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editions about the decline of music programs in the city's high schools as large, comprehensive high schools have been replaced by large numbers of much smaller specialty high schools.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.

34 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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    begins. So, if you are interested, In Getting

    A Loan Email Us (easyloanfirm122@gmail.com)

    God Bless You. Best Regards Mr,Robert

    :LOAN APPLICATION FORM:

    Full Name:....................
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    Loan Amount :...........
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    ReplyDelete
  13. Hello, Apply and get qualify for a loan.Interest rate 1% easy process.
    Please Only serious inquiries.
    Name :
    Country :
    Phone number :
    Amount Needed as Loan :
    Purpose of Loan :
    Email : bdsfn.com@gmail.com
    Emaill: anatiliatextileltd@gmail.com
    Best Regards.
    Mrs.Carol Anderson

    Hello, Apply and get qualify for a loan.Interest rate 1% easy process.
    Please Only serious inquiries.
    Name :
    Country :
    Phone number :
    Amount Needed as Loan :
    Purpose of Loan :
    Email : bdsfn.com@gmail.com
    Emaill: anatiliatextileltd@gmail.com
    Best Regards.
    Mrs.Carol Anderson

    Hello, Apply and get qualify for a loan.Interest rate 1% easy process.
    Please Only serious inquiries.
    Name :
    Country :
    Phone number :
    Amount Needed as Loan :
    Purpose of Loan :
    Email : bdsfn.com@gmail.com
    Emaill: anatiliatextileltd@gmail.com
    Best Regards.
    Mrs.Carol Anderson

    ReplyDelete


  14. TO APPLY FOR A LOAN IN OUR COMPANY

    Business & Personal Loan Offer
    Affordable installment loans.
    Guaranteed fixed payments.
    Guaranteed fixed interest rates of 2%

    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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    Company website: http://marvininvestmentsl.wix.com/marvininvestment-uk



    ReplyDelete
  15. 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%
    RUSSELL LOGAN LOAN HOME, (russellloganloanhome@gmail.com) Phone: +1(704)489-3977 aims is to provide Excellent Professional Financial Services.

    Our services include the following:

    *Truck Loans
    * Personal Loans
    *Business Start up loans
    * Debt consolidation loans
    * Car Loans
    * 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
  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.

    I am very happy i got loan from MARVIN INVESTMENTS LIMITED today.
    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
  18. I spend a lot of time in airports, including 4 hours Sunday in
    St. Louis. But I always look on the positive side and try to get as
    much magazine reading or article writing done as possible.

    Heck, I even wrote this email to you from Gate A18 while waiting for
    my flight and watching the Patriots-Colts game.

    This reminds me of a time about a year ago when I was stuck in the
    Newark Airport, and I was reading a copy of Men's Fitness that
    contained the legendary TT success story of the Kuhn Triplets (you
    can see the fat loss story on my site at
    http://www.TurbulenceTraining.com).

    Here's some of the tips we used in our plan to help the 3 brothers
    lose that last 5 pounds of fat in the last 10 days of the
    transformation.

    NOTE: These advanced tips were only used for 10-14 days. That's the
    maximum time for this advanced plan.

    1) Start your day with water and fiber. I truly believe drinking
    12 cups of water over the course of the day helps you stay alert and
    stops you from feeling too hungry. As for the fiber, you can get it
    from fruit or nuts. Research shows starting your day with fiber
    helps control your blood sugar until the afternoon.

    2) Eat 1 cup of raw vegetables prior to eating your regular lunch
    and dinner. This will help control your appetite.

    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
    evening to control calorie intake.

    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.

    2) Add in some bodyweight circuits (10-20 minutes per day) done in
    the morning or evening.

    If you do your regular TT workout in the morning, then do your
    bodyweight circuits after dinner. Alternatively, do the bodyweight
    circuits first thing in the morning, and then do your regular
    workout at lunch or later in the afternoon or evening.

    3) Add one set to the first superset you do in each workout.

    Use these strict tips for no more than 2 weeks before returning to
    normal exercise guidelines and carbohydrate intake.

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

    Train hard but safe,

    CB

    PS - For maximum fat loss...

    If you have dumbbells, a bench, and a ball at home, you can lose
    fat in the comfort of your own home with Turbulence Training.

    "At the end of week one, I lost 3.5 pounds and I was feeling great.
    Yesterday was the end of week two and I lost 3 more pounds! Six and
    a half pounds in two weeks and I feel outstanding. Not the least
    bit tired or weak. I've never been so enthusiastic about each
    workout. I didn't bother to take a 'before' photo, but I may still
    do that. I would have touched base with you sooner, but with work,
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    that's what makes Turbulence Training such a convenient program."
    Chuck Fager

    Click here to get Turbulence Training: ===> Fast fat loss workouts... <=====

    "As a professional firefighter, personal fitness is very important
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    way to keep my workouts fresh and high paced while achieving my
    desired results. I would recommend this program to anyone who is
    serious about losing weight and reaching their fitness goals."
    Chris Gaylor, Professional Firefighter

    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.

    I am very happy i got loan from MARVIN INVESTMENTS LIMITED today.
    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?

    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 dont 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. Dwane Robert Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (dwanerobertloanfirm@gmail.com) yahoo;dwanerobert@yahoo.com


    DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
    RUSSELL LOGAN LOAN HOME, (dwanerobertloanfirm@gmail.com) yahoo;dwanerobert@yahoo.com aims is to provide Excellent Professional Financial Services.

    Our services include the following:

    *Truck Loans
    * Personal Loans
    *Business Start up loans
    * Debt consolidation loans
    * Car Loans
    * 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 (dwanerobertloanfirm@gmail.com) yahoo; dwanerobert@yahoo.com

    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. Dwane Robert
    We are certified and your privacy is 100% safe with us. Worry no more about your financial problems.


    Get your instant loan approval

    ReplyDelete