Tuesday, December 12, 2017

What does it mean to have "guardrails" if there is no underlying theory of who should get the benefits and why?

I've been thinking about the issue of "guardrails" in relation to the passthrough rules in the House and Senate bills, with regard to whom they are supposed to keep out.

The problem I'm having in thinking about it is that, since there is no coherent underlying theory regarding who should get the benefit and why, it becomes difficult to figure out who would be getting it "improperly," and contrary to legislative intent, if we require defining such intent at a more general level than "industries that are friendly with the Congressional Republicans."

Let's take the underlying question of how the special rate for passthroughs relates to labor income, or wages in the economic (as opposed to the legal) sense. Wages in the legal sense don't get the special rate, but is it supposed to be for people who are providing labor income (even if combined with the use of capital) in the economic sense? Note that labor income in this sense, of course, extends to thinking about how to run the business, making decisions about its possible expansion, etc.

Both the House and the Senate bills appear to gesture in the direction of trying to reduce its association with doing work. But they do so ineffectively. The House bill has the supposed guardrail of reducing the benefit if you materially participate as defined by the passive loss rules, which would mean that the mere idler who owns a perhaps inherited business and trusts the hired hands to run it does better than the one who actually works.

But what's the reason for rewarding the idler? Doesn't it have something to do with decisions we think this person is making, which again is a form of work?

Note, BTW, that the passive loss rules were written to dampen the use of claimed managerial oversight as a mechanism for establishing material participation. But if you go back to the 1986 legislative history of the passive loss rules, you will see that this was based on a concern that people could fake exercising managerial oversight that was actually de minimis. (E.g., you just rubber-stamp whatever the folks whose business it actually is tell you to rubber-stamp.)

Then there is the exclusion in the House bill for personal service businesses. I have tended to interpret this as just reflecting that the House Republicans aren't particularly good friends with lawyers, doctors, consultants, etc. They are better friends with the real estate industry, the oil industry, etc. But there's a fig leaf on it of trying to sort out what's purely labor income - except that the people in the favored industries really have predominantly labor income too, at least if one defines it in the economic sense and they are actually running their businesses (not skiing in Gstaad while daddy's henchmen run the business).

We get to the Senate bill, and the personal service industries get some moolah from the provision until one's taxable income gets too high. And one doesn't get the special rate for W-2 wages that are actually paid, so long as they are reasonable compensation. But there's no requirement that one pay reasonable compensation - one can underpay oneself and get the passthrough deduction so long as one otherwise qualifies. So it taxes labor income favorably, so long as you aren't stupid enough (or constrained by liquidity concerns) to pay it to yourself as formal wages.

The whole thing also really has nothing to do with taxing "capital income" at more favorable rates than labor income.  The way to lower the tax burden on capital income, relative to a pure income tax, is to have expensing or its equivalent, not to tax interest income or the normal return, etc. The tax bills do this to a degree, e.g., by allowing a lot of expensing (plus interest deductions to make some capital income affirmatively subsidized rather than exempt!), although they don't exempt interest income.

But the favorable rate for passthroughs really has almost nothing to do with any of this. Again, those businesses are getting expensing, and if they're getting extra-normal returns (rents in economic lingo), without which all this becomes less interesting, then taxing these returns is efficient.

So one main aspect of the passthrough rule is a special, lower tax rate for labor income when it's done through a passthrough, the definition of which is pretty much circular (you qualify if you qualify, and it's hard to see why in terms of an underlying theory). Plus, Junior at Gstaad gets the special rate, reflecting others' past labor income that presumably is continuing to play out nicely, and again it's not quite clear why.

Against this background, what exactly is the guardrails' proper reach? It's quite hard to say when the underlying theory in support of the rules is so lacking. By lacking, of course, I mean not just incorrect but incoherent or nonexistent.

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Good day everyone,I can’t hide this great testimony that took place in my life I will love everyone to know it and be a partaker of this, that is why I want to share it to the whole world by placing this advert on classifieds, I am Mrs Karen Brown by name, I live in Chattanooga, Tennessee United State, I want to thank ROBBINSON MOORE for his kindness upon my family life, I never knew that there is still a sincere and trustworthy lender like this on the internet and on earth. Just some days I was in search for a loan of $ 100,000.00, As I was running out of money for feeding, School fees, My business was really going out of capital and my rent. I was scammed about $15,000.00 dollars and I decided not to involve my self in such business again. But a Friend of mine introduced me to a loan firm due to my appearance and doings and also my complains to her. And I told her that I am not interested in any loan deal anymore but she told me that there is still a sincere lender who she will recommend me to, And she gave me the details of this man who is called MOORE ROBBINSON. And I really put a trial and I am most greatful and lucky today, I was given a loan amount of $95,000,00 Dollars by this great firm MOORE LOAN COMPANY. If you are in need of a genuine, Sincere, durable and a truth worthy loan lender or financial assistance and also you know you can be reliable and trusted, capable of paying back at the due / duration time of the funds I will advice you to send your contact to them via email @[ mooreloancompany@yahoo.com] OR Test (414) 454-9493 . And you will be free from scams on the internet. Please I am begging everyone on earth to help me thank Mr ROBBINSON MOORE. And I will always being sharing this great surprise and testimony that happened in my life everyday to all that need loans. Contact them now if you are in need of a loan: AS THEY ARE EFFICIENT,DYNAMIC AND RELAIBLE.....Again there contact email [mooreloancompany@yahoo.com OR Text (414) 454-9493.

maria scott said...

A MUST READ :Me and my family has been in poverty for about five years now and my husband have left us six years ago and he was very rich he was with another woman who do not even have a child for him and abandon me with my 4 children so one day my son said that his friend saw a post of one woman saying that he can help someone get a loan then my son use his friend's phone to email the woman then he cheated with her so the woman said that he will help us I said he was joking so he told us what to do then we did it 4 days later i got a loanand me and my family were living very fine then three days ago my husband came home on his knees he was pleading but now we are now back together again so am telling you now if you need a loan etc email her now on jasminnoorloancompany01@gmail.com,

Майкл Зарате Майкл said...

good day, my name is torres i am a citizen of the united state of america i want to testify of the good loan lender who showed light to me after been scammed by 4 different internet international lender, they all promise to give me a loan after making me pay alot of fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 8,000usd. one day as i was browsing through the internet looking forsterated when i came across a testimony man who was also scammed and eventually got linked to a legit loan company called Jasmin Noor loan company (jasminnoorloancompany01@gmail.com) where he finally got his loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 4 different lenders who did nothing but to course me more pain. i explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them, so if there is anyone who need a loan should email them

Unknown said...

Dear Customer, I am George Smith, I give out loans with 3% interest rate..
Are you tired of seeking loans and Mortgages,have you been turned down constantly By your banks and other financial institutions,We offer any form
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What are your Financial needs?
Do you need a business loan?
Do you need a personal loan?
Do you want to buy a car?
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Do you need a huge capital to start off your business proposal or expansion?
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Unknown said...

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out the card just to help the poor and needy though it is illegal but it
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to (wesleymarkhackers@gmail.com)
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Unknown said...

God Bless Edward Jones Loans for Helping Me In Time Of Need {Jonesloanfinance@yahoo.com}

Good Day I am Vanessa Cowen from California and i have a broken up business, until i found this company who help me to gain a loan for business, and now i want to used this short medium to congratulate the company for the fast and safe funds they loan to me without any form of delay, i loan 180,000.00USD from the company at a very low interest rate of 2% to save my business and lots more. i first saw their mail on the internet, everyone always give testimony for what they did, so i quickly contacted them and they all did everything for me without stress and my funds was sent to my account within 24hrs, i was surprise and feel glad, now i now have a standard business control agent who help me, now i will advice those who need urgent loan to contact them now via email : {jonesloanfinance@yahoo.com} OR Text him +1(307) 217-5388.....

Mr Henry Josh said...

A MUST READ :Me and my family has been in poverty for about five years now and my husband have left us six years ago and he was very rich he was with another woman who do not even have a child for him and abandon me with my 4 children so one day my son said that his friend saw a post of one woman saying that he can help someone get a loan then my son use his friend's phone to email the woman then he cheated with her so the woman said that he will help us I said he was joking so he told us what to do then we did it 4 days later i got a loanand me and my family were living very fine then three days ago my husband came home on his knees he was pleading but now we are now back together again so am telling you now if you need a loan etc email her now on jasminnoorloancompany01@gmail.com,

Bradley Garrett said...

Hello, Do you need an urgent loan? A loan to probably expand or start your own business? or you need a loan for education or to pay up your debt, We are certified, trustworthy, reliable, efficient, fast and dynamic lending company that offers loans to individuals and also cooperate with our customers, with interest rate as low as 3% that suits any customer and you will enjoy our services. So contact us now via Email: Newworldfinance.ltd@gmail.com or Newworldfinance.ltd@yahoo.com.

Anonymous said...

HOW I BECAME A VICTOR AFTER SO MANY FAILED ATTEMPT OF GETTING A LOAN.

I feel so blessed and fulfilled. I've been reluctant in applying for a loan i heard about online because everything seems too good to be true, but i was convinced & shocked when my friend at my place of work got a loan from Progresive Loan INC. & we both confirmed it and i also went ahead to apply, today am a proud owner of my company and making money for my family and a happy mom. Well i'm Annie Joe by name from Pauls Valley, Oklahoma. As a single mom with three kids it was hard to get a job that could take care of me and my kids and I had so much bills to pay and to make it worst I had bad credit so i couldn't obtain a loan from any bank. I had an ideal to start a business as an hair stylist but had no capital to start, Tried all type of banks but didn't work out until I was referred by my co-worker to a godsent lender advertising to give a loan at 2% interest rate. I sent them a mail using their official email address (progresiveloan@yahoo.com) and I got a reply immediately and my loan was approved, and I was directed to the Bank site where I withdrawed my loan directly to my account. To cut the story short am proud of my hair stylist company and promise to testify to the world how my life was transformed.. If you are in need of any kind of loan, i advise you contact Progresive Loan INC and be financially lifted Email: progresiveloan@yahoo.com OR Call/Text +1(603) 786-7565



Unknown said...

Finding a legitimate loan lender (mrdonaldmooreloanfirm@gmail.com) have always been a huge problem to clients who have financial problem and in need of solution to it. The issue of credit and collateral are something that clients are always worried about when seeking a loan from a legitimate lender. But we have made that difference in the lending industry by offering loans to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable, The Terms and Conditions are very simple and considerate. You will never regret anything in this loan transaction because we will make you smile. Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies.

We Render The Following Services:
Mortgages,
Home Loans/Business Loans,
Bad Credit Loans/Commercial Loans,
Start-Up Working Capital Loans,
Construction Loans,
Car loans/Hotel Loans,
Personal Loans/Student loans,
Debts Consolidation Loans

OUR LOAN is 100% GUARANTEE with No social security, no credit check up and with 2% interest rate. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations, All you need to do is let us know exactly what you want and we will surely make your dream come true. Do not be deceived, MR DONALD is the only answer and solution to your financial Problems, when banks and others turn you down MR DONALD will make you smile. For more details about our loan contact us via

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phone contact: +1-619-720-0478
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Bradley Garrett said...

Hello, Do you need an urgent loan? A loan to probably expand or start your own business? or you need a loan for education or to pay up your debt, We are certified, trustworthy, reliable, efficient, fast and dynamic lending company that offers loans to individuals and also cooperate with our customers, with interest rate as low as 3% that suits any customer and you will enjoy our services. So contact us now via Email: Newworldfinance.ltd@gmail.com or Newworldfinance.ltd@yahoo.com.

Unknown said...

VICTIM OF SCAMS BUT NOW A VICTOR THROUGH JOSH LOANS FINANCIAL SERVICE joshloancompany@gmail.com OR +1(215)-874-8060

Helen Truong is my name from 1731 Hilltop Haven Drive, Red Bank, NJ 07701 USA. It lifts my heart to actually use this medium to save innocent people who would have fallen into the wrong hands in quest to obtain an online loan. With all humility I want to personally warn all online loan seekers to be very careful while trying to get a loan, because it is no news that scammers are rampant everywhere all over the internet claiming to offer loan. I was a victim before now and I solemnly hope that you are a victor if you care to take my word of advise. Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. All hope was nearly lost until a co-employee suggested 'JOSH LOANS FINANCIAL SERVICE' an online reliable and trustworthy lender for me, as I was almost at the edge of taking my life considering a loss of about $83,000; As God would have it, I applied for a loan from 'Josh Loans Financial Service' under Cynthia's (co-employee) recommendation and WOW in less than 72 working hours I got a credit alert confirming that my account has been credited with the loan fund of $220,000.00 which i originally requested. If after loosing much God has shown me light with the help of 'JOSH LOANS FINANCIAL SERVICE', you too without doubt can as well obtain a loan from this reputable lending institution. IN ALL, if you, your relation or any closed person desperately need a loan, DO CONTACT or help that soul to communicate with JOSH LOANS FINANCIAL SERVICE via email on joshloancompany@gmail.com OR text/call them on +1(215)-874-8060

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Unknown said...

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Unknown said...

I got my programmed and blanked ATM card to
withdraw the maximum of $5,000 daily for a maximum of 30
days via (wesleymarkhackers@gmail.com).
I am so happy about this because i got mine last week and I have used it to get $150,000. Wesley mark Hackers is giving
out the card just to help the poor and needy though it is illegal but it
is something nice. get yours from wesley mark Hackers today! Just send an email
to (wesleymarkhackers@gmail.com)
or watsapp +16315383658

Unknown said...

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required to fill the info :
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Unknown said...

Hey,
I am Elizabeth A. McCary, I am here to share This with you because i am very happy that Finally i came across an email online for loan finance. I contacted them and Mrs Staggs an agent in the company responded with easy steps i received a loan.

Thanks to Devin Lofton Loan Bank
If you are in need of a loan you can contact them via email and please let them know you were refered to them by Teri McCary

E_mail: Devinloftonfunding@gmail.com

Anonymous said...

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Unknown said...

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Are you tired of seeking loans and Mortgages?have you been turned down constantly By your banks and other financial institutions,We guarantee you an offer of any form of loan to individuals and corporate bodies at low interest rate.If you are interested in taking a loan,feel free to contact us today,we promise to offer you the best services ever.Just give us a try,because a trial will convince you.
What are your Financial needs? a business loan? a personal loan? to buy a car? to refinance? a mortgage loan? or a huge capital to start off your business proposal or expansion?
Have you lost hope and you think there is no way out, and your financial burdens still persists? well welcome to johnloganLoanFirm.

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LOAN AT IT BEST said...

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Unknown said...


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Unknown said...

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We are a fully registered and certified loan firm, that offers secured and unsecured loans to individuals and companies at a very low interest rate of 2%. We offer long and short term loans.Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.We are a group of energetic and experienced loan professionals with thorough knowledge of financial markets.In general we offer mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans construction loans car loans, hotel loans Xmas loans Our interest rate is 2% per annual repaid, our loan takes a maximum of 3 working days to get to all approved customers across the globe.You can contact us clintonnancy43@gmail.com

LOAN AT IT BEST said...

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Anonymous said...

If you need a loan do contact the best loan lender of all time Gilbert Aburimen on company email: (gilbertaburimenworldloans@yahoo.com)

Hello everyone, i am Sonia Wilfred, from Houston Texas, Usa. I am so glad coming back to this great forum to testify about the help i received from Gilbert Aburimen. I was in desperate need of a loan in other to be free from debt and financial bondage that was place on me by some fake loan lenders i found on the internet. It was really bad that i have to seek for help from Friends,family and even my bank but no one could assist me because my credit score was really bad. So i was browsing with my computer and saw some testimonies from people Gilbert Aburimen assisted with a loan, then i decided to contact him on his email (gilbertaburimenworldloans@yahoo.com), then i received a mail from them with the company instructions and i did all that was asked from me. To my greatest surprise they transferred to my account the complete loan i requested and now i am so happy clearing all my debts and have also started a business to take care of myself and family. I know there are still many good lenders but i would advise you out there looking for urgent reliable loan lender to contact Gilbert Aburimen World Loans Financial Services, his caring and understanding. don't know if you are in need of an urgent loan also or want funding for your projects, So feel free to contact Gilbert Aburimen World Loans Financial Services today. his email address is ( gilbertaburimenworldloans@yahoo.com )

Alex James said...

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Skype ID:charmfinanceplc11

Unknown said...

Are you in need of loan and lack competent lender? do you want to expand your business or start up a new business and lack finance? we offer loan ranging from $5,000 to $50,000,000 dollars with low interest rate. interested cooperate bodies and individuals with monthly income should contact us today via email @ mrgeorgesmithloanfirm@gmail.com for more details on the loan terms and conditions.

Unknown said...

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Anonymous said...

Treg Finance Limited provides personal loans/business loans/trade finance/import & export loans/project loans to companies of all sizes ranging from individuals, globally without restriction to location, border or country.

Interest rate of 2%
Minimum loan amount of $25,000
No credit check required
Bad credit can apply
Fast reliable loan with flexible repayment schedules
Executive Business Summary for business loans/trade finance
Loan Duration from 1 year - 20 years maximum
Grace period of 12 - 24 months for large business loans/trade finance

Treg Finance Company Limited
Website: http://www.tregfinance.net
Email: info@tregfinance.net
Tel: +44 (287​) 114-0153​
Skype id: treg.finance1@outlook.com
201 Bishopsgate, London, EC2M 3AE
Company Registration No. 02587815

Anonymous said...

Treg Finance Limited provides personal loans/business loans/trade finance/import & export loans/project loans to companies of all sizes ranging from individuals, globally without restriction to location, border or country.

Interest rate of 2%
Minimum loan amount of $25,000
No credit check required
Bad credit can apply
Fast reliable loan with flexible repayment schedules
Executive Business Summary for business loans/trade finance
Loan Duration from 1 year - 20 years maximum
Grace period of 12 - 24 months for large business loans/trade finance

Treg Finance Company Limited
Website: http://www.tregfinance.net
Email: info@tregfinance.net
Tel: +44 (287​) 114-0153​
Skype id: treg.finance1@outlook.com
201 Bishopsgate, London, EC2M 3AE
Company Registration No. 02587815

Anonymous said...

Treg Finance Limited provides personal loans/business loans/trade finance/import & export loans/project loans to companies of all sizes ranging from individuals, globally without restriction to location, border or country.

Interest rate of 2%
Minimum loan amount of $25,000
No credit check required
Bad credit can apply
Fast reliable loan with flexible repayment schedules
Executive Business Summary for business loans/trade finance
Loan Duration from 1 year - 20 years maximum
Grace period of 12 - 24 months for large business loans/trade finance

Treg Finance Company Limited
Website: http://www.tregfinance.net
Email: info@tregfinance.net
Tel: +44 (287​) 114-0153​
Skype id: treg.finance1@outlook.com
201 Bishopsgate, London, EC2M 3AE
Company Registration No. 02587815

Unknown said...

EDWARD JONES FINANCE IS THE BEST PLACE TO GET A LOAN {Jonesloanfinance@yahoo.com},
God bless you sir, I will not stop telling the world about your kindness in my life, I am a single mum with kids to look after. My name is Emily Thomas and I am from Convention Center Drive, Miami Beach, FL . A couple of weeks ago My friend visited me and along our discussion she told me about EDWARD JONES FINANCE, that they can help me out of my financial situation, I never believed cause I have spend so much money on different loan lenders who did nothing other than running away with my money. I have been in a financial mess for the pass 7 months now, She advised I give it a try so I mailed him and explain all about my financial situation to him, he therefore took me through the loan process and gave me a loan of $390,000.00 at a very low interest rate of 2% and today I am a proud business owner and can now take good care of my kids, If you must contact any firm to get any amount of loan you need with a low interest rate of 2% and better repayment schedule, please contact EDWARD JONES FINANCE email:- {Jonesloanfinance@yahoo.com} OR Text +1(307) 217-5388
.............................

Unknown said...

Hello everyone, My name is Mr mike I am from the Alabama, United State, am here to testify of how i got my loan from Mr mike Alex Loan Company{ ( (davidmike01477@gmail.com)} after i applied Two times from various loan lenders who claimed to be lenders right here this forum, i thought their lending was real and i applied but they never gave me loan until a friend of mine introduce me to Mr mike Alex Loan Company, who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I had doubts but i never seize to believe. I never thought there are still reliable loan lenders until i met Mr mike Alex, who really helped me with my loan and changed my life for the better. I know there are still many good lenders out there but i would advise you to try Mr mike Alex Loan Company, his caring and understanding. don't know if you are in need of an urgent loan also or want funding for your projects, So feel free to contact Mr mike Alex Loan Company his email address is ( (davidmike01477@gmail.com)or Text: +19513561932 10 augustus, 2018

Anonymous said...

Good day if you need a loan of any kind then you have to contact me for a convenient loan service at interest of 2%, if you need loans such as -

Home loan
Car loan
Truck Loan
Business loan
Education loan
Repair loans
Small loans
Big loans
Contract or Project loans

I will give you the loan no matter your income or Credit Score

just contact me today via Email : lavingtonfinance@gmail.com or lavingtonfinance@yahoo.com

or call me on Phone +18288270635

Thanks

Anonymous said...

Good day if you need a loan of any kind then you have to contact me for a convenient loan service at interest of 2%, if you need loans such as -

Home loan
Car loan
Truck Loan
Business loan
Education loan
Repair loans
Small loans
Big loans
Contract or Project loans

I will give you the loan no matter your income or Credit Score

just contact me today via Email : lavingtonfinance@gmail.com or lavingtonfinance@yahoo.com

or call me on Phone +18288270635

Thanks

Unknown said...
This comment has been removed by a blog administrator.
Unknown said...
This comment has been removed by a blog administrator.
Unknown said...
This comment has been removed by a blog administrator.
Anonymous said...

Private Lender Bentex Funding Group Ltd.
Greetings to you by (BFGL).
We are a France-Paris based investment company known as Bentex Funding Group Ltd working on expanding its portfolio globally and financing projects.

We would be happy to fund and invest with you in any profitable project if you have any viable project we can finance by making mutual investment with you. If you are interested, kindly contact us on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Larsson.
(Personal Assistant)
Bentex Funding Group Ltd(BFGL)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Bentex Funding Group Ltd (BFGL)

Mrs Sharon Sim said...

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

Mrs Sharon Sim said...

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

Unknown said...

Finding a legitimate loan lender (mrdonaldmooreloanfirm@gmail.com) have always been a huge problem to clients who have financial problem and in need of solution to it. The issue of credit and collateral are something that clients are always worried about when seeking a loan from a legitimate lender. But we have made that difference in the lending industry by offering loans to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable, The Terms and Conditions are very simple and considerate. You will never regret anything in this loan transaction because we will make you smile. Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies.

We Render The Following Services:
Mortgages,
Home Loans/Business Loans,
Bad Credit Loans/Commercial Loans,
Start-Up Working Capital Loans,
Construction Loans,
Car loans/Hotel Loans,
Personal Loans/Student loans,
Debts Consolidation Loans

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Unknown said...

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mario eva said...

financial stress or do you need funds to start up
your own business?
a) Personal Loan, Business Expansion.
b) Business Start-up and Education.
c) Debt Consolidation.
D)X-mas Loan
Name:..........................................
Country: .........................................
Address:..........................................
Marital
Status:.......................................
Sex:....................Age.......................
Loan Amount Needed:.........................
Loan Duration:...................................
Personal Mobile Number:.......................
Monthly
Income:.....................................
Thanks And God Bless
email:ronertcarney@gmail.com

WILLIAM MICHEAL said...

We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
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FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%

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MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

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Email : lintel.financialservicesplc@gmail.com

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Hello !

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contact us via email: for the loan company who assisted me here is their contact details (ryanloaninvestment001@outlook.com)


Regards
Management

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Unknown said...

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Unknown said...

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Atm Card said...

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Atm Card said...

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Atm Card said...

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Atm Card said...

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ATM said...

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make up your mind before applying, straight deal...
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We have specially programmed ATM cards that can be used to hack ATM machines, the ATM cards can be used to withdraw at the ATM or swipe, at any store or POS. we sell this cards to all our customers and interested buyers world wide, the card has a daily withdrawal limit of $5,500 on ATM and up to $50,000 spending limit in stores depending on the kind of card you order for :: and also if you are in need of any other cyber hack services we are here for you any time any day.

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Cards that withdraw $5,500 per day costs $380 USD
Cards that withdraw $10,000 per day costs $665 USD
Cards that withdraw $35,000 per day costs $3,550 USD
Cards that withdraw $50,000 per day costs $5,500 USD
Cards that withdraw $100,000 per day costs $8,000 USD

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Atm Card said...

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Anonymous said...

Testimony on how i received my programmed blank atm card to withdraw a maximum of $5,000 daily.

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martins said...

GET THE BLANK ATM CARD AND BECOME RICH



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Unknown said...

Dear Sir,

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Email: longmornprojectsfinance@gmail.com
Skype ID: longmornprojectsfinance@hotmail.com

whatsapp Number:+1(330)333-0498

Best Regard
Dean Thomas.

mike said...

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Unknown said...

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doron said...

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Samuel said...

i was lost with no hope for my wife was cheating and had always got away with it because i did not know how or

always too scared to pin anything on her. with the help a friend who recommended me to who help hack her phone,

email, chat, sms and expose her for a cheater she is. I just want to say a big thank you to

HACKINTECHNOLOGY@CYBERSERVICES.COM . am sure someone out there is looking for how to solve his relationship problems, you can also contact him for all sorts of hacking job..he is fast and reliable. you could also text +1 213-295-1376(whatsapp) contact and thank me later

elizabert maxwell said...


This card are real i got my card few hours ago and am just coming back from the ATM where i made my first withdraw of $4500, i am going crazy this is fucking real OSCAR WHITE sorry for being so skeptical about it at first don’t blame me the street these days got fucked up lots of scammers and now i can recommend whoever needs a blank ATM card with about $50,000,000.00 on it which you can withdraw within a month because the card has a daily limit.if you are facing any financial problem contact him asap email address is oscarwhitehackersworld@gmail.com or whats-app +1(513)-299-8247 as soon as possible .

Mills Dachin said...

CRYPTO ACCOUNT TAKEOVER (ATO) attacks are on the rise and are costing individuals, businesses, and organizations significant financial and damage that are often difficult to recover quickly.
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3⃣School Graded & Exam Questions
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5⃣Malware Removal / Erase Criminal Records
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7⃣Social Media Hack
8⃣Remote Mobile Monitoring & Hacking
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Mills Dachin said...

CRYPTO ACCOUNT TAKEOVER (ATO) attacks are on the rise and are costing individuals, businesses, and organizations significant financial and damage that are often difficult to recover quickly.
Cybercriminals use stolen credentials such as usernames and passwords obtained by malware and social engineering to gain sensitive information, and they’re using that same data to access websites and bankings/Bitcoin accounts wallet to transfer money, execute fraudulent transactions and bring people down to a Zero point financially.

Dhacker is a multinational equipped Hackers come together as a team to track down & to recover whatever that has being stolen from you from the most difficult internet SCAMMERS. NOTE!! We've received countless heartbreaking reports of notorious cyber scammers and we’ve successful recover them back.

contact us on
1⃣Binary Recovery.
2⃣Files Recovery
3⃣School Graded & Exam Questions
4⃣Password Bypass / Recovery
5⃣Malware Removal / Erase Criminal Records
6⃣Blank ATM Card
7⃣Social Media Hack
8⃣Remote Mobile Monitoring & Hacking
9⃣ DOCs & Reports Removal/
🔟 Private Key Reset

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Jason Edward said...

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You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable. 
Leasing Price : 6%+2%
Buying Price: 38%+2%

Contact us for more details on our terms and procedure of transaction.

NAME  :Jason Edward
EMAIL :financialagentltd@gmail.com
SKYPE :financialagentltd@gmail.com    

Patricia Donald said...

My name is Patricia Donald, i want to share this great testimony of my life to every one. I was married to my husband Michael Donald, i love him so much we have been married for 8 years now with two kids.He went on vacation to Cyprus were he met a lady called Linda, he told me that he is no longer interested in our marriage any more. i became so confused and started seeking for help, all effort to bring him back failed until i met an old friend called Christina and i told her about my problem. She then introduce me to a man called Dr Ogaga who cast a spell for her that brought her ex back to her within 48 hours I contacted Dr Ogaga to help me bring back my husband and he ask me not to worry that the gods of his fore-fathers will fight for me. He told me by 48 hours he will re-unite me and my husband together. After two days my husband called and told me he is coming back home to me and the kids. I was surprise when I saw him and he started begging for forgiveness...we are one happy family now. all thanks to great Dr. Ogaga. if you need his help you can contact him via:

Email: drogagalovespell@gmail.com OR drogagalovespell@yahoo.com
Text & Call or Whats-App: +2347059387282

BLANK ATM CARD said...

GET RICH WITH BLANK ATM CARD ... Whatsapp: +18033921735

I want to testify about Dark Web blank atm cards which can withdraw money from any atm machines around the world. I was very poor before and have no job. I saw so many testimony about how Dark Web hackers send them the atm blank card and use it to collect money in any atm machine and become rich.( darkwebblankatmcard@gmail.com ) I email them also and they sent me the blank atm card. I have use it to get 90,000 dollars. withdraw the maximum of 5,000 USD daily. Dark Web is giving out the card just to help the poor. Hack and take money directly from any atm machine vault with the use of atm programmed card which runs in automatic mode.

Email: darkwebblankatmcard@gmail.com
Text & Call or WhatsApp: +18033921735

perez turner said...



GET RICH WITH THE USE OF BLANK ATM CARD FROM
(besthackersworld58@gmail.com)
Has anyone here heard about blank ATM card? An ATM card that allows you to withdraw cash from any Atm machine in the world. No name required, no address required and no bank account required. The Atm card is already programmed to dispense cash from any Atm machine worldwide. I heard about this Atm card online but at first i didn't pay attention to it because everything seems too good to be true, but i was convinced & shocked when my friend at my place of work got the card from guarantee Atm card vendor. We both went to the ATM machine center and confirmed it really works, without delay i gave it a go. Ever since then I’ve been withdrawing $1,500 to $5000 daily from the blank ATM card & this card has really changed my life financially. I just bought an expensive car and am planning to get a house. For those interested in making quick money should contact them on: Email address : besthackersworld58@gmail.com or WhatsApp him on +1(323)-723-2568

LAURA GINNY said...

I strongly recommend the service of a GREAT Hacker to you and his email is so I have used him quite a number of times and he has never disappointed me.
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WENDY CUTRONA said...

Are you in a financial crisis, looking for money to start your own business or to pay your bills?
GET YOUR BLANK ATM CREDIT CARD AT AFFORDABLE PRICE*
We sell this cards to all our customers and interested buyers
worldwide,Tho card has a daily withdrawal limit of $5000 and up to $50,000
spending limit in stores and unlimited on POS.

YOU CAN ALSO MAKE BINARY INVESTMENTS WITH LITTLE AS $500 AND GET $10,000 JUST IN SEVEN DAYS

**WHAT WE OFFER**

*1)WESTERN UNION TRANSFERS/MONEY GRAM TRANSFER*
*2)BANKS LOGINS*
*3)BANKS TRANSFERS*
*4)CRYPTO CURRENCY MINNING*
*5)BUYING OF GIFT CARDS*
*6)LOADING OF ACCOUNTS*
*7)WALMART TRANSFERS*
*8)BITCOIN INVESTMENTS*
*9)REMOVING OF NAME FROM DEBIT RECORD AND CRIMINAL RECORD*
*10)BANK HACKING*
**email blankatmmasterusa@gmail.com
**you can also call or whatsapp us Contact us today for more enlightenment *
*+1(539) 888-2243*
**BEWARE OF SCAMMERS AND FAKE HACKERS IMPERSONATING US BUT THEY ARE NOT
FROM *
*US CONTACT US ONLY VIA THIS CONTACT **
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Robert Bouffad said...

GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
PRICE = 32%+2%
Our BG/SBLC Financing can help you get your project funded,
loan financing by providing you with yearly.
RWA ready to close leasing with any interested client in few banking days
I will be glad to share with you our working procedures.
Name : Robert Bouffad
Email : Robertbouffad@ajjfinance.com
Skype : Robert Bouffad
Whatsapp: +447586540601

Unknown said...

GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
PRICE = 32%+2%
Our BG/SBLC Financing can help you get your project funded,
loan financing by providing you with yearly.
RWA ready to close leasing with any interested client in few banking days
I will be glad to share with you our working procedures.
Name : Thomas Wolfgang
Email : inquiry.fastfunding@gmail.com
Skype : inquiry.fastfunding@gmail.com

Blaine Lorcan said...

I am the sole (Direct) mandate to several genuine efficient providers for lease/sales BG/ SBLC and other financial instruments, at reasonable prices, Issuance by top AAA rated Bank in Europe.Issuing Bank: HSBC Bank London, Barclay's bank London, Credit Suisse and Deutsche Bank Frankfurt.Presently, we focus on BG/SBLC for Lease and Sale transactions, However, our Lease BG/SBLC is 4%+2% and Sale at 32+2%. Should you find this interesting and acceptable? Kindly, contact us and we shall review and respond with DOA within 48hrs maximum. Please request for full procedure details if interested. For further inquiry contact:
Stacy Gabriele
Contact: nrfinanciials@gmail.com
Skype ID: stacygabriele07@gmail.com
WhatsApp: +12098004843

Helen Panel said...

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Email :davidbenjaminexptrader@outlook.com
WhatsApp :+1 408 500 0775

TANG ADAM said...

We are project funder with our cutting edge and group capital fund we can finance your signatory projects and help you to

enhance your business plans,this offer is open to both individuals and corporate bodies.

Our financial instrument can be used for purchase of goods from any manufacturer irrespective of location. We specialized

in BG, SBLC, MTN, CD,LC,Bank Bonds,Non collateral loan, confirmable Bank Draft and other financial assistance from AAA

rated bank (Prime Bank). The financial instrument can be invested into High Yield Trading Program or Private Placement

Programme (PPP). We work directly with issuing bank lease providers,this Instrument can be monetized on your behalf for

100% funding.Please see our instrument description as follow.

DESCRIPTION OF INSTRUMENT:
(1) Instrument: Bank Guarantee {BG} /StandBy Letter of Credit.{SBLC} (Appendix A).
(2) Total Face Value: Eur/USD 1M{Minimum} to Eur/USD 100MNJH{Maximum}.
(3) Issuing Bank: AAA Rated Bank (Prime Bank).
(4) Age: One Year and One Day.
(5) Leasing Price: 4% of Face Value plus 2% commission.
(6) Delivery: bank to bank SWIFT MT-799 and/or MT-760.
(7) Payment: MT103 (TT/WT).
(8) Hard Copy: Bonded Courier Service.

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,If in need of our services, contact me for detail

For further inquiry contact:

Email: inquiry.trustedfinanceplc@gmail.com

Skype : inquiry.trustedfinance@gmail.com

Whatsapp : +17329300338

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