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Monday, May 8, 2017

How to Teach College Students About Financial Responsibility - Guest post


When it comes to financial matters, twelve years of primary education and four years of college do little to prepare students for the real world. In most schools, math classes focus on algebra and geometry instead of interest rates and budgets. That means it’s up to you to teach your kids about financial responsibility. When I graduated from high school, I had nothing but a checking account and the promise of scholarship money. I learned these four financial lessons the hard way, but your kid doesn’t have to.

1) The Importance of a Credit Score
When I was younger, it was hard for me to understand why bad credit is considered better than no credit. Eventually, a helpful loan officer explained it this way: your credit score represents the likelihood that you’ll pay back a loan. If you have a bad credit score, the lender can still review your history and make an informed decision. If you don’t have a credit score, the lender has no idea how to evaluate you.

If you want to help your teen build and understand credit, consider adding them as an authorized user or helping them get a secured credit card.

2) The Value of a Vehicle
I inherited my mom’s old Buick at the age of 16, and it served me well until my junior year of college. When it finally died, I was 20 years old and making $7.50 an hour. I had no idea how to fix it, so I bought a used Volkswagon Bug from a shifty dealership. Two weeks later, the car started shooting flames from the radio. Save your child from similar mechanical difficulties with these tips:

  • Schedule routine maintenance and seasonal maintenance for your vehicle. This will prevent a costly repair or replacement.
  • Consider leasing, buying, and public transportation when evaluating new transportation options.
  • Value efficiency over brand name. A Volkswagon Bug won’t serve a college student as well as a 4-door sedan.
  • When buying, focus on important features like a collision warning system, electronic stability control, lane-keep assist, or handsfree bluetooth.
  • Shop around for car insurance. Don’t settle on your first quote.

While it’s difficult to purchase a car in college, it is possible. Before you purchase a new or used car, read up on tips for purchasing a vehicle in college.

3) The Essentials of Budgeting
Budgeting was also a significant challenge during my college years. Between school books, car maintenance, and a mean latte addiction, I found myself “broke” at least twice a month. Teach your child to budget for these essentials before they spend their money on expenses:

  • Debt payments
  • School expenses (tuition and books)
  • Rent and utilities (electricity, gas etc.)
  • Transportation (gas, auto maintenance, etc.)
  • Communication (internet, phone bill, etc.)
  • Medical expenses (prescriptions, co-pays)
  • Food and household goods (groceries, cleaning products, etc.)
  • Pet expenses (food, vet, etc.)

After these essentials are locked down, calculate the subtotal and subtract it from your teen’s total income. With the remaining funds, make a budget for these flexible expenses:

  • Personal expenses (haircuts, clothing, toiletries etc.)
  • Eating out (Starbucks, fast food, sul-service restaurants etc.)
  • Entertainment (movies, eating out, drinks, etc.)
  • Savings (emergency fund, deposit for larger

The key to a good budget is realism. If you create an impossibly strict budget, it will encourage overspending. If you need additional help in this area, check out this digital budgeting tool.

4) The Importance of Saving
I never saved my money in high school. I squandered my graduation money on a summer road trip and never looked back. Now that I’m in my late twenties, I have very little in my emergency fund and even less saved for retirement. I’m starting to change that, but I wish I had started sooner. That said, you can save your child from wanton spending with these tips:

  • Teach your child to keep a 6-month emergency fund for unexpected expenses
  • Visit with a financial planner to learn about an independent retirement account
  • Teach your child to look for jobs that offer a 401(k)


While this guide is by no means complete, it will give you a way to start discussing financial responsibility with your child. Above all, I encourage you to be honest. Discuss your own struggles with money and describe the repercussions. This will help to transform “financial responsibility” from a vague concept to a set of daily choices.



Jason Goetz is an aspiring writer who graduated from Arizona State University with degrees in communications & media studies. He enjoys hiking & world travel in his free time. If you have any other questions, email him: jaysongoetzz@gmail.com.



46 comments:

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  2. Replies
    1. REAL SPELL CASTER (DR.OBILUJESU) THAT CAN HELP YOU GET YOUR LOVER BACK WHATSAPP HIM @+2348143481000

      Hi everyone, I was going crazy when my husband breakup with me and left me for another woman!! All thanks to Dr OBILUJESU the best love spell caster online that helped me to bring back my husband today and restore happiness in my marriage.. I'm Logan Jack by name i lives in England. My husband breakup with me and left me to be with another woman, and i wanted him back. I was so frustrated and i could not know what next to do again, I love my husband so much but he was cheating on me with another woman and this makes him break up with me so that he can be able to get married to the other lady and this lady i think use witchcraft on my husband to make him hate me and my kids and this was so critical and uncalled-for, I cry all day and night for God to send me a helper to get back my husband!! I was really upset and i needed help, so i searched for help online and I came across a website that suggested that Dr. OBILUJESU can help get ex back fast. So, I felt I should give him a try. I contacted him and he told me what to do and i did it then he did a spell for me. 28 hours later, my husband really called me and told me that he miss me so much, Oh My God! i was so happy, and today i am happy with my man again and we are joyfully living together as one big family and i thank the powerful spell caster Dr.OBILUJESU, he is so powerful and i decided to share my story on the internet that Dr.OBILUJESU is best spell caster online who i will always pray to live long to help his children in the time of trouble, if you are here and your lover is turning you down, or your husband moved to another woman, do not cry anymore, contact this powerful spell caster Dr.OBILUJESU on his email at: drobilujesuspellcaster@yahoo.com or drobilujesuspellcaster@gmail.com ,His website:
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      Delete
  3. Thank you for such a sweet tutorial - all this time later, I've found it and love the end result. I appreciate the time you spent sharing your skills.

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  4. Hello My name is kate Raymond I lost my 5 years relationship during october. My ex left me with so much pains and since then i have been heart broken and shattered. I have contact many spell casters and they rip me off my money without any result. I have Emailed so many sites online looking for a good spell caster till i was directed by a 32years old woman who Dr Obasi has helped before, to contact Dr obasi, i never believed him?but after i did as he directed my ex came back to me, told me to forgive her and i did and today am happy with my lover again, please if you have any problem contact him now on this email: and here is. His e-mail address is as follow: obasispelltemple@gmail.com.

    ReplyDelete
  5. Hi,
    I really appreciate your inputs on my situation Dr happy and what could I
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    to get jealous about his moves, I got controlling and things started to get worse.. we spoke about it a lot of times where he expressed how he felt but I was not able to understand why I was doing that.. During our discussion I would always say I did .. This February he called it off and since then I have been a mess.. I gave it a lot of thought and realised my mistakes and why I was doing it.. I tried talking to him .. begged him.. pleaded him .. but he says that he has lost all his feelings for me and would never get back to me..I was in my knees praying looking for help, them i fine a comment online how a spell caster help to restored relationship get ex lover back, ” so i decided to give a try coz i love my boyfriend so much. so i contacted Dr happy http://happyspelltemple.webs.com/ tell him all my problem and he gave me 100%guarantee that i will have my boyfriend back after the spell so i was gifted and lucky to have contacted him i did every
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    ReplyDelete
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    شركة نقل عفش بالدمام
    تعمل شركة نقل عفش بالدمام على نقل العفش وتخزينه في الاماكن المناسبة له لكي تحافظ عليه أثناء عملية النقل كما إنها توفر أقوى سيارات النقل للعفش والتي تكون مجهزة بكافة الأساليب الممتازة في النقل كما إنها تعتمد على أدوات حديثة ومتطورة في نقل العفش من مكان إلى مكان أخر .
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    لمزيد من خدماتنا
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    ReplyDelete
  7. Hi,
    I really appreciate your inputs on my situation Dr happy and what could I do with-out you. Thank you in advance.
    I was in a relationship with this guy for the past 1 and a half year.. We became close real fast and were very serious about each other… he’s German and was in the country for her internship.. he left after first 6 months and came back after a couple of months.. he said that he had come down for me.. WE started living – in.. We discussed faMILY, KIDS, future, moving to EU together.. everything was going good until of last August when I started to get jealous about his moves, I got controlling and things started to get worse.. we spoke about it a lot of times where he expressed how he felt but I was not able to understand why I was doing that.. During our discussion I would always say I did .. This February he called it off and since then I have been a mess.. I gave it a lot of thought and realised my mistakes and why I was doing it.. I tried talking to him .. begged him.. pleaded him .. but he says that he has lost all his feelings for me and would never get back to me..I was in my knees praying looking for help, them i fine a comment online how a spell caster help to restored relationship get ex lover back, ” so i decided to give a try coz i love my boyfriend so much. so i contacted Dr happy http://happyspelltemple.webs.com/ tell him all my problem and he gave me 100%guarantee that i will have my boyfriend back after the spell so i was gifted and lucky to have contacted him i did every thing he ask of me and to my greatest surprise a day after the spell my boyfriend call me and apology for what he did to me and ask for my forgiveness to come back again for me, we both are happily living together again plz Contact him urgently via.........
    happylovespell2@gmail.com
    or add him on whats-app +2348133873774
    Junia Noel from USA

    ReplyDelete
  8. Hey guys, I'm so excited of getting my husband back after he left me and our 3 kids for another woman.
    After 2 years of marriage, me and my husband has been into one quarrel or the other until he finally left me and moved to California to be with another woman. i felt my life was over and my kids thought they would never see their father again. i tried to be strong just for the kids but i could not control the pains that torments my heart, my heart was filled with sorrows and pains because i was really in love with my husband. Every day and night i think of him and always wish he would come back to me, I was really upset and i needed help, so i searched for help online and I came across a website that suggested that Dr Unity can help get ex back fast. So, I felt I should give him a try. I contacted him and he told me what to do and i did it then he did a (Love spell) for me. 28 hours later, my husband really called me and told me that he miss me and the kids so much, So Amazing!! So that was how he came back that same day,with lots of love and joy,and he apologized for his mistake,and for the pain he caused me and the kids. Then from that day,our Marriage was now stronger than how it were before,All thanks to Dr Unity. he is so powerful and i decided to share my story on the internet that Dr Unity real and powerful spell caster who i will always pray to live long to help his children in the time of trouble, if you are here and you need your Ex back or your husband moved to another woman, do not cry anymore, contact this powerful spell caster now. Here’s his contact: Email him at: Unityspelltemple@gmail.com ,
    you can also call him or add him on Whats-app: +2348071622464 ,
    his website:http://unityspelltemple.yolasite.com ,
    Jessica, 26 years, Texas, USA .

    ReplyDelete
  9. Hello viewers, am Scott Allison from USA, i want to use this means to share to the public of how i got my ex-boyfriend back, my boyfriend left me last year, i tried all my effort to get back to him but all seems in vein, he refused answering my call and drove me out from his house anytime i went to see him. i was down emotionally because i loved him very much, i became sick because of him leaving me, i was shock on my sick bed when he told me that he is breaking up with me, i almost felt die-in. after i recovering from my illness, i searched and came across a spell caster who said he will help me cast a love spell to bring back my ex-boyfriend. he cast a love spell for me , surprisingly with 48 hours of casting the love spell, my ex-boyfriend called me and started pleading for my forgiveness and for me to come back to him. ever since then, i have been enjoying my love life and relationship, now he love me to the moon and back even more than how much he loved me before. i want to thank you Dr. Raymond for bringing back my ex- boyfriend, if you facing any problem or same problem from your boyfriend or husband and you want a solution, for your boyfriend to come back to you and love you very much again, email Dr. Raymond with his email address dr.raymondherbalcure@gmail.com also get to him if you have any illness or virus you wish to get rid off. am happy i meant you Dr. Raymond. your help make a meaning to my world, thanks alot doc, thanks all, for more info about him contact me scottall263@gmail.com

    ReplyDelete
  10. Hello, I am Diaz Juan Antonio After being in relationship with Natasha for years, She broke up with me, I did everything possible to bring her back but all was in vain, I wanted her back so much because of the love I have for her, I begged her with everything, I made promises but she refused. I explained my problem to my friend and she suggested that I should rather contact a spell caster that could help me cast a love spell to bring Francesca 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 i had no
    choice than to ordered a reunite love spell from Dr Alexzander [alexzanderhightemple@gmail.com]to help me get my lover back, after the spell was cast, the Results was
    fantastic, I never expected what i saw, I`m so grateful i came across
    this spell caster, My love came back to me and we are now plannig for our wedding. i still cant believe that me and Francesca is back. All thanks to Dr Alexzander who changed my life and made me a true believer.
    Here is his website address http://alexzanderhightemple-com.webs.com check on him through his website or contact him direct via his email address alexzanderhightemple@gmail.com.

    ReplyDelete
  11. IF YOU ARE IN NEED OF SPELL LIKE....

    1. Getting your lover or husband back
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    If you have any problem contact us the powerful and genuine spell caster

    Dr Erivan Deb

    ReplyDelete
  12. Hello every one I'm so excited of getting my boyfriend back after he left me for another girl. My boyfriend left me for another girl. I needed him back desperately because i loved him so much. I became very worried and needed help. as i was browsing through the internet, I came across a partcular testimony about this good prophet abulele help get ex back fast and stop a divorce or breakup and so on , So I felt I should give him a try. I contacted him and he told me what to do and i did it then he did a (return Love spell) for me. 28 hours later, my boyfriend came back to me crying and begging for my forgiveness. Today I'm so happy and i want to recommend this great spell caster to anyone that truly needs an urgent solution to his or her broken relationships and marriage email him at: prophetabulelehealingtemple@gmail.com Simply contact the great "Prophet abulele" If you have any problem contact him and i guarantee you that he will help you., do not cry anymore-contact this powerful spell caster now. Thank you Prophet Abulele for saving my broken relationships and brought my boyfriend back to me!" email him at: prophetabulelehealingtemple@gmail.com

    ReplyDelete
  13. Hello every one I'm so excited of getting my boyfriend back after he left me for another girl. My boyfriend left me for another girl. I needed him back desperately because i loved him so much. I became very worried and needed help. as i was browsing through the internet, I came across a partcular testimony about this good prophet abulele help get ex back fast and stop a divorce or breakup and so on , So I felt I should give him a try. I contacted him and he told me what to do and i did it then he did a (return Love spell) for me. 28 hours later, my boyfriend came back to me crying and begging for my forgiveness. Today I'm so happy and i want to recommend this great spell caster to anyone that truly needs an urgent solution to his or her broken relationships and marriage email him at: prophetabulelehealingtemple@gmail.com Simply contact the great "Prophet abulele" If you have any problem contact him and i guarantee you that he will help you., do not cry anymore-contact this powerful spell caster now. Thank you Prophet Abulele for saving my broken relationships and brought my boyfriend back to me!" email him at: prophetabulelehealingtemple@gmail.com

    ReplyDelete
  14. I have to give this miraculous testimony, which is so unbelievable until now. my name is cindy jesae From Los Angeles I had a problem with my Ex Wife July-25-2016, which lead to our break up. when she broke up with me, I was not my self again, i felt so empty inside me, my love and financial situation became worst, until a close friend of mine Jacobs told me about a great who helped him in the same problem too his name is Doctor Bello, I email Doctor Bello the temple of solution and i told him my problem and i did what he asked of me, to cut the long story short. Before i knew what was happening within 24 hours my wife gave me a call and told me that She was coming back to me in just 24 hours and was so happy to have her back to me. We have two kids together and we are happy with ourselves. Thanks to Doctor Bello (bellospelltemple@gmail.com) for saving my relationship and for also saving others own too. continue your good work, If you are interested to contact him and testify this blessings like me, the great spell caster,call or whatsApps him +2348147271779or email him bellospelltemple@gmail.com, you are the best among all the spell caster online I hope you see my testimonies which i promise to share. Thanks

    ReplyDelete
  15. Are you going through a break-up or divorce?
    Do you need your Ex back fast? Dnot cry anymore, contact Dr .Goodluck for powerful Love spell that work fast now!! I was hurt and heart broken when my Husband breakup with me, and i could not know what next to do again, I love my Husband so much but he was cheating on me with another woman and this makes him break up with me so that he can be able to get marred to the other lady and this lady i think use witchcraft on my Husband to make him hate me and our kids and this was so critical and uncalled-for,I cry all day and night for God to send me a helper to get back my man until i went to Texas in USA to see a friend and who was having the same problem with me but she latter got her husband back and i asked her how she was able to get her husband back and she told me that their was a powerful spell caster called Dr .Goodluck that help with love spell in getting back lost lover back, and i decided to contact the same Dr .Goodluck and he told me what is needed to be done for me to have my man back and i did it although i doubted it but i did it and the Dr told me that i will get the result after 17hours, and he told me that my husband was going to call me and i still doubted his word, to my surprise my husband really called me and told me that he miss me so much, Oh My God! i was so excited, and today i am happy with my man again and we are joyfully living together as one big family and i thank the powerful spell caster Dr .Goodluck for bringing back my man and i decided to share my story on the internet that Dr .Goodluck is best spell caster online who i will always pray to live long to help his children in the time of trouble, If you have any problem contact Dr .Goodluck and i guarantee you that he will help you,Email him at: goodluck05spellcaster@gmail.com ,you can also call him or add him on whats-app: +2348138654465
    http://goodluck05spellcaster.yolasite.com

    ReplyDelete
  16. Pay attention to this list of the well-paid careers and corresponding degrees in 2016-2017: sports & fitness administration (work in the sake of those who want to keep fit nowadays), computer science (no need to doubt the important role of IT), have a glance at link here.

    ReplyDelete
  17. today am a happy woman because of what Dr Gozza has done for me and am here to testify to everyone here on this forum how this man helped me win my husband back after he has left me and my 4 months daughter to go after another lady who used powers and lies to deceive my husband , it was a terrible situations for me till i storm into this woman who shared a story about Dr Gozza of hollygozzasolutiontemple@gmail.com, of Facebook just the way am sharing it today now , so i said let me give it a try and after i have explained to this man DR GOZZA from the united state he told me to calm down for there is no problem without a solution so he did his work , prayers, and told me to wait for 48 hours to receive a call, or messages from my husband , i was just like how will this happen , but it was 8 am on that faithful day when i got an apology text from my husband , saying he is so sorry for everything , i quickly take my phone to contact Dr Gozza and inform he that my man has texted me and that was how i got my husband back and today we are one happy family again, so with this great work done for me by DR Gozza hollygozzasolutiontemple@gmail.com, i have decided to share to world about he so whosoever suffering from heart break, marriage problems breakup , cheating spouse, can also contact he today on his email and i know and believe they will also be helped , because today am a living testimony of his good work call or whatapp on his number.+2349067051818
    http://howtosavemarriagefromcheating.blogspot.com

    Goodbye

    ReplyDelete
  18. today am a happy woman because of what Dr Gozza has done for me and am here to testify to everyone here on this forum how this man helped me win my husband back after he has left me and my 4 months daughter to go after another lady who used powers and lies to deceive my husband , it was a terrible situations for me till i storm into this woman who shared a story about Dr Gozza of hollygozzasolutiontemple@gmail.com, of Facebook just the way am sharing it today now , so i said let me give it a try and after i have explained to this man DR GOZZA from the united state he told me to calm down for there is no problem without a solution so he did his work , prayers, and told me to wait for 48 hours to receive a call, or messages from my husband , i was just like how will this happen , but it was 8 am on that faithful day when i got an apology text from my husband , saying he is so sorry for everything , i quickly take my phone to contact Dr Gozza and inform he that my man has texted me and that was how i got my husband back and today we are one happy family again, so with this great work done for me by DR Gozza hollygozzasolutiontemple@gmail.com, i have decided to share to world about he so whosoever suffering from heart break, marriage problems breakup , cheating spouse, can also contact he today on his email and i know and believe they will also be helped , because today am a living testimony of his good work call or whatapp on his number.+2349067051818
    http://howtosavemarriagefromcheating.blogspot.com

    Goodbye

    ReplyDelete
  19. TRUSTED LENDER (LEXIELOANCOMPANY@YAHOO.COM)
    My name is Michael Lee a citizen of Illinois, USA. i have been scammed by 7 different Internet international lender, they all promise to give me a loan after making me pay several fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 23930USD. One day as i was browsing through the internet with tears on my eye i came across a testimony of man who was also scammed and eventually got linked to a legit loan company called MARTINEZ LEXIE LOAN COMPANY where he finally got his loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 7 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. I filled the loan application form and proceeded with all that was requested of me and to my greatest surprise my loan was granted to me without further delay and here i am today happy because Martinez Lexie Loan Company HAS GIVEN ME A REASON TO LIVE, so i made a vow to my self that i will keep testifying on the internet on how i got my loan. You are to contact this GODSENT LENDER via Email: Lexieloancompany@yahoo.com OR Text +18168926958


    ReplyDelete
  20. I never believed in Love Spells or Magics until I met this special spell caster when i went to Africa to Execute some business..He is really powerful..My husband divorce me with no reason for almost 4 years and i tried all i could to have him back cos i really love him so much but all my effort did not work out.. we met at our early age at the college and we both have feelings for each other and we got married happily for 5 years with no kid and he woke up one morning and he told me he’s going on a divorce..i thought it was a joke and when he came back from work he tender to me a divorce letter and he packed all him loads from my house..i ran mad and i tried all i could to have him back but all did not work out..i was lonely for almost 4 years…So when i told the spell caster what happened he said he will help me and he asked for him full name and him picture..i gave him that..At first i was skeptical but i gave it a try cos have tried so many spell casters and there is no solution…so when he finished with the readings,he got back to me that he’s with a woman and that woman is the reason why he left me…The spell caster said he will help me with a spell that will surely bring him back.but i never believe all this…he told me i will see a positive result within 3 days..3 days later,he called me himself and came to me apologizing and he told me he will come back to me..I cant believe this,it was like a dream cos i never believe this will work out after trying many spell casters and there is no solution..The spell caster is so powerful and after that he helped me with a pregnancy spell and i got pregnant a month later..we are now happy been together again and with lovely kid..This spell caster has really changed my life and i will forever thankful to him..he has helped many of my friends too with similar problem too and they are happy and thankful to him..This man is indeed the most powerful spell caster have ever experienced in life..Am Posting this to the Forum in case there is anyone who has similar problem and still looking for a way out..you can reach him here: drosemudiamenspellhome@gmail.com CONTACT THIS POWERFUL SPELL CASTER TODAY VIA EMAIL:drosemudiamenspellhome@gmail.com spell

    ReplyDelete
  21. Hello to you all on this page, am Helena, i want to use this opportunity to share with you all on this page how i was able to get back with my man Jackson, after 2 years of breakup, it all started 2014 when my husband traveled from our city texas to Florida for work where he met this other lady since then my husband started to treat me like am was nobody until one day he left the house to start living with this other lady, me and our daughter of a year and 2 months then, were left alone, i cried and tried everything possible to plead with he to make he return home, but nothing worked, and i loved my husband so much and i knew he loved me as well, at this time i noticed all was not in it right senses with my husband, i made up my mind not to rest until am able to get my family back on track again, September 23 2015 my friend Darcy from Houston told me about this powerful spell caster, called Dr Gozza of hollygozzasolutiontemple@gmail.com, at whom she claim has helped her and some others with relationship issues,at first i was skeptical about this thing called spell casting, but after thinking for days i said to give it a try because i loved my husband and i want my child to grown up with both parents , i contact this Dr Gozza on his email, and also texted him on the phone, and explained everything that has happened between me and my husband to he , and he told me what to do, i did it all and he told to wait for three days after his work i will get a text from my husband, after three days of his work i actually got a sweet and apology text from my man to me it was like wow, and it was like a dream come through, so me and Jackson my lovely husband started again and till this moment we are still together in love okay, so with this great work done for me by this man , i vowed to share to the world my experience with he so whosoever in such situation, marriage, heartbreak, any kind of relationship problems/issues. can also contact him, his contact details below
    Email;hollygozzasolutiontemple@gmail.com
    whatapp on his number.+2349067051818

    ReplyDelete
  22. Hello viewers, am Scott Allison from USA, i want to use this means to share to the public of how i got my ex-boyfriend back, my boyfriend left me last year, i tried all my effort to get back to him but all seems in vein, he refused answering my call and drove me out from his house anytime i went to see him. i was down emotionally because i loved him very much, i became sick because of him leaving me, i was shock on my sick bed when he told me that he is breaking up with me, i almost felt die-in. after i recovering from my illness, i searched and came across a spell caster who said he will help me cast a love spell to bring back my ex-boyfriend. he cast a love spell for me , surprisingly with 48 hours of casting the love spell, my ex-boyfriend called me and started pleading for my forgiveness and for me to come back to him. ever since then, i have been enjoying my love life and relationship, now he love me to the moon and back even more than how much he loved me before. i want to thank you Dr. Raymond for bringing back my ex- boyfriend, if you facing any problem or same problem from your boyfriend or husband and you want a solution, for your boyfriend to come back to you and love you very much again, email Dr. Raymond with his email address dr.raymondherbalcure@gmail.com also get to him if you have any illness or virus you wish to get rid off. am happy i meant you Dr. Raymond. your help make a meaning to my world, thanks alot doc, thanks all, for more info about him contact me scottall263@gmail.com

    ReplyDelete
  23. Real love spell to get ex back and Stop a Divorce or Break-Up !!! This is certainly a shocking and a genuine Testimony..I visited a forum here on the Internet on the 20TH OF April 2017, And i saw a marvelous testimony of this powerful and great spell caster called Dr,Paul on the forum..I never believed it, because i never heard of anything about magic before.. Not a soul would have been able to influence me about magical spells, not until Dr,Paul did it for me and restored my marriage of 8 years back to me and brought my spouse back to me in the same 48 hours just as i read on the Internet..i was truly astonished and shocked when my husband knelt down begging for forgiveness and for me to accept him back.. I am really short of expressions, and i don't know how much to convey my appreciation to you Dr,Paul you are a God sent to me and my entire family.. And now i am a joyful woman once again.. here is his email address :( talkanddolovespell@gmail.com) for any relationship problems or court case, he will help you out,He is real and powerful.

    ReplyDelete
  24. Real love spell to get ex back and Stop a Divorce or Break-Up !!! This is certainly a shocking and a genuine Testimony..I visited a forum here on the Internet on the 20TH OF April 2017, And i saw a marvelous testimony of this powerful and great spell caster called Dr,Paul on the forum..I never believed it, because i never heard of anything about magic before.. Not a soul would have been able to influence me about magical spells, not until Dr,Paul did it for me and restored my marriage of 8 years back to me and brought my spouse back to me in the same 48 hours just as i read on the Internet..i was truly astonished and shocked when my husband knelt down begging for forgiveness and for me to accept him back.. I am really short of expressions, and i don't know how much to convey my appreciation to you Dr,Paul you are a God sent to me and my entire family.. And now i am a joyful woman once again.. here is his email address :( talkanddolovespell@gmail.com) for any relationship problems or court case, he will help you out,He is real and powerful.

    ReplyDelete


  25. Real love spell to get ex back and Stop a Divorce or Break-Up !!!
    This is certainly a shocking and a genuine Testimony..I visited a forum here on the Internet on the 20TH OF April 2017, And i saw a marvelous testimony of this powerful and great spell caster called Dr,LOVE on the forum..I never believed it, because i never heard of anything about magic before.. Not a soul would have been able to influence me about magical spells, not until Dr,Love did it for me and restored my marriage of 8 years back to me and brought my spouse back to me in the same 48 hours just as i read on the Internet..i was truly astonished and shocked when my husband knelt down begging for forgiveness and for me to accept him back.. I am really short of expressions, and i don't know how much to convey my appreciation to you Dr, LOVE you are a God sent to me and my entire family.. And now i am a joyful woman once again.. here is his email address :(lovespiritualtemple@gmail.com ) OR call him directly on his phone number ( +233260807514 ) for any relationship problems or court case, he is also specialize in Lottery spell, am blessed to meet you Dr Love .

    ReplyDelete
  26. You all know that is not easy to leave a marriage of 6years and forget all the feelings that you both have for each other. That was my problem that i was having for the past 3month now i was really feeling sick and wanted to take my life but thanks be to drstanleyspelltemple@hotmail.com who help me with a reunion spell to get my ex husband back. My ex husband came back to me with the help of Dr. Stanley spell and now i feel so happy that we are both back again and living happily more than ever before.

    ReplyDelete
  27. HOW A GREAT SPELL CASTER BROUGHT BACK MY EX LOVER: HUSBAND OMG!! This is certainly a shocking and a genuine Testimony..I visited a forum here on the internet on the 20TH OF SEPTEMBER 2014, And I saw a marvelous testimony of this powerful and great spell caster called DR PAul on the forum..I never believed it, because I never heard nor learnt anything about magic before.. Not a soul would have been able to influence me about magical spells, not until DR PAul did it for me and restored my marriage of 8 years back to me and brought my spouse back to me in the same 48hours just as I have read on the internet..I was truly astonished and shocked when my husband knelt down begging for forgiveness and for me to accept him back.. I am really short of expressions, and I don't know how much to convey my appreciation to you DR PAUl, you are a God sent to me and my entire family.. His Email: talkanddolovespell@gmail.com

    ReplyDelete
  28. Am here to let everyone no that there is a cure for HERPES..
    Hello viewers ... I don't just know the reason why some people are still finding it difficult to believe that there is a cure for herpes, I have been suffering from herpes for some years but today I am happy that am cure from it with the help of Dr. Otor.,I was browsing the internet searching for help when I came across a testimony shared by someone on how Dr.Otor cure his Herpes I was so much in need of getting his treatment but after all Dr.Otor brought a smile to my face with his herbal medicine. I am so much happy today that we have someone like this great healer out there, so my people out there kindly contact this great healer on his email address: {otorspelltempl@gmail.com }please sir keep your good work cause there are people out there who is in need of your healing medicine.once more contact him now email:you can call him or whatsApp his number{ +2348032460627}http://otorspelltemple.blogspot.com.ng

    ReplyDelete
  29. My Husband broke up 6 months ago and left me heartbroken, this made me sick and my problem became very very difficult and it made me almost gave up but after the love spell from Dr.mack, my relationship was restored instantly, I was happy that the outcome was fantastic, only 3 days after Dr.mac@yahoo.com started it all. Never in my life have I thought this would work so fast. My man reconcile with me and he started acting completely different, I feel happy once again, and like never before. It felt so good to have my lover back again.you can reach Dr.Mack on Mobile +17733035965..

    ReplyDelete
  30. Hey!my boyfriend has abandon me for the the past months now,
    and refuse to come back because he was hold on by a woman whom he just met, for that, i has been suffering and it has been heel of a struggle, but I decide to do all means to make sure that my boyfriend and i come back together as it use to, then I went online there I saw so many good talk about this spell caster whose email is happylovespell2@gmail.com so I had to contact him and explain my problem to him and in just 48 hours as he has promised, my boyfriend came home and his behavior was back to the man i got engage to. I cant thank the spell caster enough for what he did for me, i am so grateful and i will never stop to publish his name on the internet for the good work he has done for me,once again his email him direct........
    happylovespell2@gmail.com
    Web site: http://happyspelltemple.webs.com/
    mobile number on +2348133873774
    No problem is too big for him to solve!!!!!!

    ReplyDelete
    Replies
    1. Effective powerful love spell to get your Ex Lover back now.

      Hey guys, I'm so excited of getting my husband back after he left me and our 3 kids for another woman.
      After 2 years of marriage, me and my husband has been into one quarrel or the other until he finally left me and moved to California to be with another woman. i felt my life was over and my kids thought they would never see their father again. i tried to be strong just for the kids but i could not control the pains that torments my heart, my heart was filled with sorrows and pains because i was really in love with my husband. Every day and night i think of him and always wish he would come back to me, I was really upset and i needed help, so i searched for help online and I came across a website that suggested that Dr Unity can help get ex back fast. So, I felt I should give him a try. I contacted him and he told me what to do and i did it then he did a (Love spell) for me. 28 hours later, my husband really called me and told me that he miss me and the kids so much, So Amazing!! So that was how he came back that same day,with lots of love and joy,and he apologized for his mistake,and for the pain he caused me and the kids. Then from that day,our Marriage was now stronger than how it were before,All thanks to Dr Unity. he is so powerful and i decided to share my story on the internet that Dr Unity real and powerful spell caster who i will always pray to live long to help his children in the time of trouble, if you are here and you need your Ex back or your husband moved to another woman, do not cry anymore, contact this powerful spell caster now. Here’s his contact: Email him at: Unityspelltemple@gmail.com ,
      you can also call him or add him on Whats-app: +2348071622464 ,
      his website:http://unityspelltemple.yolasite.com ,
      Jessica, 26 years, Texas, USA .

      Delete
  31. today am a happy woman because of what Dr Gozza has done for me and am here to testify to everyone here on this forum how this man helped me win my husband back after he has left me and my 4 months daughter to go after another lady who used powers and lies to deceive my husband , it was a terrible situations for me till i storm into this woman who shared a story about Dr Gozza of hollygozzasolutiontemple@gmail.com, of Facebook just the way am sharing it today now , so i said let me give it a try and after i have explained to this man DR GOZZA from the united state he told me to calm down for there is no problem without a solution so he did his work , prayers, and told me to wait for 48 hours to receive a call, or messages from my husband , i was just like how will this happen , but it was 8 am on that faithful day when i got an apology text from my husband , saying he is so sorry for everything , i quickly take my phone to contact Dr Gozza and inform he that my man has texted me and that was how i got my husband back and today we are one happy family again, so with this great work done for me by DR Gozza hollygozzasolutiontemple@gmail.com, i have decided to share to world about he so whosoever suffering from heart break, marriage problems breakup , cheating spouse, can also contact he today on his email and i know and believe they will also be helped , because today am a living testimony of his good work call or whatapp on his number.+2349067051818
    http://howtosavemarriagefromcheating.blogspot.com

    Goodbye

    ReplyDelete
  32. My name is Jessica Luis, and I base in USA...My life is back!!! After 1 years of Broken marriage, my husband left me with two kids . I felt like my life was about to end i almost committed suicide, i was emotionally down for a very long time. Thanks to a spell caster called Dr Mohammed, which i met online. On one faithful day, as I was browsing through the internet,I came across allot of testimonies about this particular spell caster. Some people testified that he brought their Ex lover back, some testified that he restores womb,cure cancer,and other sickness, some testified that he can cast a spell to stop divorce and so on. i also come across one particular testimony,it was about a woman called Sonia,she testified about how he brought back her Ex lover in less than 2 days, and at the end of her testimony she dropped Dr Mohammed's e-mail address. After reading all these,I decided to give it a try. I contacted him via email and explained my problem to him. In just 48hours, my husband came back to me. We solved our issues, and we are even happier than before Dr Mohammed, is really a gifted man and i will not stop publishing him because he is a wonderful man... If you have a problem and you are looking for a real and genuine spell caster to solve all your problems for you. Try High monicaspiritualtemple@gmail.com anytime, he might be the answer to your problems. Here's his contact: monicaspiritualtemple@gmail.com or call him +2348134493948

    ReplyDelete
  33. REAL SPELL CASTER (DR.OBILUJESU) THAT CAN HELP YOU GET YOUR LOVER BACK WHATSAPP HIM @+2348143481000

    Hi everyone, I was going crazy when my husband breakup with me and left me for another woman!! All thanks to Dr OBILUJESU the best love spell caster online that helped me to bring back my husband today and restore happiness in my marriage.. I'm Logan Jack by name i lives in England. My husband breakup with me and left me to be with another woman, and i wanted him back. I was so frustrated and i could not know what next to do again, I love my husband so much but he was cheating on me with another woman and this makes him break up with me so that he can be able to get married to the other lady and this lady i think use witchcraft on my husband to make him hate me and my kids and this was so critical and uncalled-for, I cry all day and night for God to send me a helper to get back my husband!! I was really upset and i needed help, so i searched for help online and I came across a website that suggested that Dr. OBILUJESU can help get ex back fast. So, I felt I should give him a try. I contacted him and he told me what to do and i did it then he did a spell for me. 28 hours later, my husband really called me and told me that he miss me so much, Oh My God! i was so happy, and today i am happy with my man again and we are joyfully living together as one big family and i thank the powerful spell caster Dr.OBILUJESU, he is so powerful and i decided to share my story on the internet that Dr.OBILUJESU is best spell caster online who i will always pray to live long to help his children in the time of trouble, if you are here and your lover is turning you down, or your husband moved to another woman, do not cry anymore, contact this powerful spell caster Dr.OBILUJESU on his email at: drobilujesuspellcaster@yahoo.com or drobilujesuspellcaster@gmail.com ,His website:
    http://drobilujesuspellcaster.webs.com/ you can also call him or add him on Whats-app: +2348143481000





    REAL SPELL CASTER (DR.OBILUJESU) THAT CAN HELP YOU GET YOUR LOVER BACK WHATSAPP HIM @+2348143481000

    Hi everyone, I was going crazy when my husband breakup with me and left me for another woman!! All thanks to Dr OBILUJESU the best love spell caster online that helped me to bring back my husband today and restore happiness in my marriage.. I'm Logan Jack by name i lives in England. My husband breakup with me and left me to be with another woman, and i wanted him back. I was so frustrated and i could not know what next to do again, I love my husband so much but he was cheating on me with another woman and this makes him break up with me so that he can be able to get married to the other lady and this lady i think use witchcraft on my husband to make him hate me and my kids and this was so critical and uncalled-for, I cry all day and night for God to send me a helper to get back my husband!! I was really upset and i needed help, so i searched for help online and I came across a website that suggested that Dr. OBILUJESU can help get ex back fast. So, I felt I should give him a try. I contacted him and he told me what to do and i did it then he did a spell for me. 28 hours later, my husband really called me and told me that he miss me so much, Oh My God! i was so happy, and today i am happy with my man again and we are joyfully living together as one big family and i thank the powerful spell caster Dr.OBILUJESU, he is so powerful and i decided to share my story on the internet that Dr.OBILUJESU is best spell caster online who i will always pray to live long to help his children in the time of trouble, if you are here and your lover is turning you down, or your husband moved to another woman, do not cry anymore, contact this powerful spell caster Dr.OBILUJESU on his email at: drobilujesuspellcaster@yahoo.com or drobilujesuspellcaster@gmail.com ,His website:
    http://drobilujesuspellcaster.webs.com/ you can also call him or add him on Whats-app: +2348143481000

    ReplyDelete
  34. How To Restore A Broken Relationship And Marriage

    Hello to the people on this forum, i want you all to join me in thank this man Dr GOZZA of hollygozzasolutiontemple@gmail.com, for what him has just done in my life , AM MICHELLE MENDIOLA from Kansas, and am happy today because my man how has been cheating on me since last year with his co_worker and other ladies has finally stopped cheating, and promise me marriage , and all this happened when i saw a post about Dr GOZZA and i contact him via his web page and explained to him , him only told me few thing i should do , that is am able to do so my heart desires will be granted to me within three days , at first to be sincere i was like no is not through when i got to see another post also talking about his good will i said know true or false let me give him a try because i so much love my man Harris and i want him to stop cheating so we can plan our better future, so i contact this man , and explained to him all am passing through and him said my daughter all will be fine in three days and i said amen , it was to my best surprise and a great shock when Harris came to me on the 15th of September begging for all him has done and said him is now a change man now, saying him think him was under a spell or something bad all this while him was cheating and drinking wasting life away that was how my and harris came together again with the help of this spell caster dr GOZZA , so with all this great help from Dr GOZZA i have choose to tell the world about him because even after i have seen my result with him my friend ANN also get to know him through me as soon has her testimonies about this same man , so am using the medium to thank you Dr GOZZA an also telling the world today that if any one is there with relationship , or pregnancy problem, should contact Dr GOZZA to on his contacts below
    http://www.petition2congress.com/21990/how-to-restore-broken-relationship-marriage/
    EMAIL; hollygozzasolutiontemple@gmail.com
    phone number , +2349067051818

    ReplyDelete
  35. My name is Jessica Luis, and I base in USA...My life is back!!! After 1 years of Broken marriage, my husband left me with two kids . I felt like my life was about to end i almost committed suicide, i was emotionally down for a very long time. Thanks to a spell caster called Dr Mohammed, which i met online. On one faithful day, as I was browsing through the internet,I came across allot of testimonies about this particular spell caster. Some people testified that he brought their Ex lover back, some testified that he restores womb,cure cancer,and other sickness, some testified that he can cast a spell to stop divorce and so on. i also come across one particular testimony,it was about a woman called Sonia,she testified about how he brought back her Ex lover in less than 2 days, and at the end of her testimony she dropped Dr Mohammed's e-mail address. After reading all these,I decided to give it a try. I contacted him via email and explained my problem to him. In just 48hours, my husband came back to me. We solved our issues, and we are even happier than before Dr Mohammed, is really a gifted man and i will not stop publishing him because he is a wonderful man... If you have a problem and you are looking for a real and genuine spell caster to solve all your problems for you. Try High monicaspiritualtemple@gmail.com anytime, he might be the answer to your problems. Here's his contact: monicaspiritualtemple@gmail.com or call him +2348134493948

    ReplyDelete
  36. REAL SPELL CASTER (DR.OBILUJESU) THAT CAN HELP YOU GET YOUR LOVER BACK WHATSAPP HIM @+2348143481000

    Hi everyone, I was going crazy when my husband breakup with me and left me for another woman!! All thanks to Dr OBILUJESU the best love spell caster online that helped me to bring back my husband today and restore happiness in my marriage.. I'm Logan Jack by name i lives in England. My husband breakup with me and left me to be with another woman, and i wanted him back. I was so frustrated and i could not know what next to do again, I love my husband so much but he was cheating on me with another woman and this makes him break up with me so that he can be able to get married to the other lady and this lady i think use witchcraft on my husband to make him hate me and my kids and this was so critical and uncalled-for, I cry all day and night for God to send me a helper to get back my husband!! I was really upset and i needed help, so i searched for help online and I came across a website that suggested that Dr. OBILUJESU can help get ex back fast. So, I felt I should give him a try. I contacted him and he told me what to do and i did it then he did a spell for me. 28 hours later, my husband really called me and told me that he miss me so much, Oh My God! i was so happy, and today i am happy with my man again and we are joyfully living together as one big family and i thank the powerful spell caster Dr.OBILUJESU, he is so powerful and i decided to share my story on the internet that Dr.OBILUJESU is best spell caster online who i will always pray to live long to help his children in the time of trouble, if you are here and your lover is turning you down, or your husband moved to another woman, do not cry anymore, contact this powerful spell caster Dr.OBILUJESU on his email at: drobilujesuspellcaster@yahoo.com or drobilujesuspellcaster@gmail.com ,His website:
    http://drobilujesuspellcaster.webs.com/ you can also call him or add him on Whats-app: +2348143481000







    REAL SPELL CASTER (DR.OBILUJESU) THAT CAN HELP YOU GET YOUR LOVER BACK WHATSAPP HIM @+2348143481000

    Hi everyone, I was going crazy when my husband breakup with me and left me for another woman!! All thanks to Dr OBILUJESU the best love spell caster online that helped me to bring back my husband today and restore happiness in my marriage.. I'm Logan Jack by name i lives in England. My husband breakup with me and left me to be with another woman, and i wanted him back. I was so frustrated and i could not know what next to do again, I love my husband so much but he was cheating on me with another woman and this makes him break up with me so that he can be able to get married to the other lady and this lady i think use witchcraft on my husband to make him hate me and my kids and this was so critical and uncalled-for, I cry all day and night for God to send me a helper to get back my husband!! I was really upset and i needed help, so i searched for help online and I came across a website that suggested that Dr. OBILUJESU can help get ex back fast. So, I felt I should give him a try. I contacted him and he told me what to do and i did it then he did a spell for me. 28 hours later, my husband really called me and told me that he miss me so much, Oh My God! i was so happy, and today i am happy with my man again and we are joyfully living together as one big family and i thank the powerful spell caster Dr.OBILUJESU, he is so powerful and i decided to share my story on the internet that Dr.OBILUJESU is best spell caster online who i will always pray to live long to help his children in the time of trouble, if you are here and your lover is turning you down, or your husband moved to another woman, do not cry anymore, contact this powerful spell caster Dr.OBILUJESU on his email at: drobilujesuspellcaster@yahoo.com or drobilujesuspellcaster@gmail.com ,His website:
    http://drobilujesuspellcaster.webs.com/ you can also call him or add him on Whats-app: +2348143481000

    ReplyDelete
  37. DR IGBUDU SOLUTION SPELL TEMPLE
    I AM A GENERATIONAL NATURAL BURN WIZARD I SPECIALIZE IN *LOVE SPELLS(BRING BACK YOUR EX LOVER. *BLACK MAGIC
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    ReplyDelete

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