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Golden Rules for Making Money (1880)
- smn1234 8y agoI like how it begins with... "In the United States, where we have more land than people..."
- dev_dull 8y agoOnly people living in big cities think this isn’t still true. If you so desire, huge portions of land in the country “flyover” USA are yours to be had for very cheap. Of course it’s difficult to get internet there, so how will the millennials make it?
- fastball 8y ago4G coverage is actually pretty good these days.
- mruts 8y agoThat’s good to hear. I went to a small college in Massachusetts that only had dial-up in 2008 and no cell service. The entire school shared a custom symmetric 10 mbit/s split over 500 people. Man those were the days...
- derekp7 8y agoCan you rely on that as your only internet coverage though? Most of the "unlimited" plans start to degrade the service once you go over 20 GB/month. Of course, depending on what you are using it for it could work (such as ssh over vpn tunnel, which is low bandwidth usage, however OS updates can blow away your monthly data allowance in a short period).
- fastball 8y agoI'm currently using Ubifi[0] and the experience has been pretty great so far. I'm a few miles away from the nearest cell tower and I consistently get real world download speeds of up to 10Mb/s, with usage in the 100s of GB per month. To be fair, I did need to buy a Yagi antenna to get those speeds to be consistent, but that is a distance issue, not an ISP issue. Costs $89.99 and I can use my router anywhere in the US if I want to. I've even taken it on a roadtrip and plugged it into my car's AC adapter, continued to work like a charm. 0: https://www.ubifi.net https://www.ubifi.net
- fartcannon 8y agoSome millennials are in their mid 30's. Isn't it time to pick on a new generation?
- 0xffff2 8y agoI mean, they're not wrong. I'm a millennial in my early thirties who actually owns several acres of rural land. I would love to make it my full-time residence, but can't because I can't get decent internet out there. I'm a software engineer whose company lets me work remotely, but only if I can actually do my job. Until I can get good enough internet/phone service to call in to meetings and reliably access various remote servers, I'm stuck in civilization.
- derekp7 8y agoThis will hopefully change in a few years, esp. with low-latency GEO satellite internet coverage (SpaceX, and other competitors).
- 0xffff2 8y ago(I think you meant LEO, not GEO.) I completely agree. It's funny that I didn't care at all about SpaceX and Oneweb before I bought this property, but they can't launch soon enough for me now.
- derekp7 8y agoYes, I meant LEO (weird, can't figure out how I made that typo) -- or VLEO is the new term for what SpaceX is trying to do.
- nfriedly 8y agoI was just talking about this in a different thread; I'm a similar age to you and my house is in a rural area that has mediocre DSL as the only internet option. So, I rent an office in the nearest town. I have a quiet space to work and 5x better internet there. It's close enough to bike in when the weather is nice, and a pleasantly short commute the rest of the time. It really is the best of both worlds.
- deckar01 8y agoYou can get satellite internet in the middle of nowhere. It's much harder to get water, power, waste management, medical services, and grocery stores.
- koolba 8y agoIf you have power then water is straightforward. Just dig. We’ve been doing that for hundreds of years.
- moate 8y agoI mean, that's a pretty big "if" qualifier there. Getting water might be easier than getting the power once you have the power, but that also means its harder than getting power because it requires an extra step. Also, it's straightforward, but that doesn't make it easy or cheap. If you want to go to the ISS, become an astronaut is straightforward, but it's not exactly helpful.
- msla 8y ago> If you have power then water is straightforward. Just dig. We’ve been doing that for hundreds of years. Spoken like someone who's never had to rely on a well in marginal country. My advice: Drill your well carefully, put in a cistern, and buy a truck which can haul lots and lots of water.
- jjeaff 8y agoIt depends on where this land is. Many wells in the south never have problems running dry.
- 0xffff2 8y agoI own several acres of rural land. Internet is by far my biggest hurdle to making it my full-time residence. Satellite internet is high latency, low data caps, and very sensitive to any kind of weather, all for more money than I spend on cable for my apartment in civilization. It's completely and utterly unsuitable for remote work.
- 8y ago
- msla 8y ago> Of course it’s difficult to get internet there, so how will the millennials make it? Difficult to get medical care and water out there, so how will the Boomers make it?
- jjeaff 8y agoMedical care isn't usually that far. You would have to be very much in the middle of nowhere to be very far from a decent hospital with a medivac helipad. Rural water coops are very common and you can always just dig a well.
- asdff 8y agoCan you get a medivac to your appointment with the specialist?
- wnevets 8y agoIf it wasn't for the urban dwellers flyover usa's subsidizing water, electricity, mail delivery, telephone, etc they would have a very different about the free market.
- johnmaguire2013 8y agoCan you rephrase this comment? I couldn't follow it at all.
- ed312 8y agoI think the argument is something like: It is not profitable to provide the current level of service to rural areas. Because of the high productivity of urban areas, we can redistribute resources and improve rural public infrastructure.
- wnevets 8y agoBeyond that, it required interference of the free market by the federal government https://en.wikipedia.org/wiki/Rural_Electrification_Act https://en.wikipedia.org/wiki/Rural_Electrification_Act
- JustSomeNobody 8y agoFor scale, you could just about give everyone in the US an Acre in Alaska and not even touch the lower 48.
- adamredwoods 8y agoOr an inch, and throw it in a cereal box: https://en.wikipedia.org/wiki/Klondike_Big_Inch_Land_Promotion https://en.wikipedia.org/wiki/Klondike_Big_Inch_Land_Promoti...
- pmoriarty 8y agoCouldn't you just get internet over satellite link? Of course there'll be lag, and perhaps lower bandwidth, so you might not be able to play multiplayer action games or download 4k videos, but you should be able to get the news, send email, and surf the web without too much of a problem.
- rafiki6 8y agoOf course it's difficult to get jobs there, so how will you buy the cheap land?
- ErikAugust 8y agoStill extremely true. https://snowbrains.com/map-nobody-lives-usa-47-usa-uninhabited/ https://snowbrains.com/map-nobody-lives-usa-47-usa-uninhabit...
- remind_me_again 8y agoThey should have excluded swamps, mountains and deserts to give a better picture.
- MeltySmelty 8y agoA lot of this looks like park land, not some where you could really live.
- arethuza 8y agoEven the densely populated UK has significant proportions where nobody lives: https://artplusmarketing.com/nobody-lives-here-united-kingdom-e2f6afdd05c9 https://artplusmarketing.com/nobody-lives-here-united-kingdo... Edit: I suspect the grid squares being used are of different sizes, but even so - the crowded bits of the UK are even more crowded than the overall population density would suggest.
- ableal 8y agoThey're about the same size: the UK map blocks are 1 km x 1 km US: "the United States consists of 11,078,300 Census Blocks." The USA area is 9.834 million km², according to a well-known search engine. So about .9 km² in average, roughly in line with "Of them, 4,871,270 blocks totaling 4.61 million square kilometers were reported to have no population living inside them".
- dev_dull 8y ago> Money is in some respects like fire; it is a very excellent servant but a terrible master. Some great quotes in there.
- JeanMarcS 8y ago> Young men starting in life should avoid running into debt. There is scarcely anything that drags a person down like debt. It is a slavish position to get in... Well, that put student debt in perspective no ?
- SketchySeaBeast 8y agoAlso mortgages.
- i_am_proteus 8y agoSecured debt and unsecured debt are different animals entirely.
- deleted 8y ago[deleted]
- bencoder 8y agothe very next paragraph: > Mr. Beecher advised young men to get in debt if they could to a small amount in the purchase of land, in the country districts. <snip> > This may be safe to a limited extent, but getting in debt for what you eat and drink and wear is to be avoided.
- derekp7 8y agoAre mortgages really debt though? Because even though you owe, you also own as much as you owe (except during a market downturn of course). Whereas debt for a depreciating asset (like a car, or most things that go on a credit card) are what I would consider "real" debt. In other words, keep your net debt low or non existent (when looking at a balance sheet).
- burlesona 8y agoIf you owned a house in 2008, I assure you, you'd feel that your mortgage was real debt. Or if you ever got laid off. Or if you ever got injured or severely sick and found yourself with shocking hospital bills. When life hits you with something like that, suddenly that monthly payment, and the risk of foreclosure, bankruptcy, and severely damaged credit, all looms large over your head like the Sword of Damocles. Yes a mortgage is real debt.
- mruts 8y agoLife tells you what you should do in two ways: what you like to do and what you are good at. Of course liking something and being good at it often go hand in hand. When you are good at something, it’s fun to keep doing it so you feel better than other people. When you like to do something, you often get good at it.
- jimbokun 8y agoI would add to those two "and brings value to others". There are plenty of things you might love doing and are good at, that will leave you destitute and unfulfilled if you devote your life to them.
- loudmax 8y agoOur Fake History podcast has an excellent series on PT Barnum. He was something of a genius promoter (and self-promoter). Today he's best remember for his circus act, but that was just one of a long line of productions he put on. In Barnum's parlance, a "humbug" was a practical joke played on his audience. A less charitable interpretation is that of some of Barnum's humbugs are downright fraudulent. It's a fun story. Episode 1 of 3 is here: https://ourfakehistory.com/index.php/season-2/episode-32-who-was-the-prince-of-humbugs-part-i/ https://ourfakehistory.com/index.php/season-2/episode-32-who...
- empath75 8y agoA good way to make money is to sell a book about how to make money.
- plausibilities 8y agoReminds me of that dude who made a rather impressive amount of money posting classified ads on how to make money where the "secret methodology" being sold turned out to be a set of guidelines which simply instructed the buyer to follow suit.
- acabal 8y agoShameless plug, free nicely formatted epub of The Art of Money Getting for your ereader of choice at Standard Ebooks: https://standardebooks.org/ebooks/p-t-barnum/the-art-of-money-getting https://standardebooks.org/ebooks/p-t-barnum/the-art-of-mone...
- sudoaza 8y ago1- Be born rich 2- ? Whatever 3- Profit
- adamredwoods 8y agoSadly, this is to a large extent, the correct answer. Opportunities depend on income level when born. Citation: https://www.brookings.edu/research/economic-mobility-of-families-across-generations/ https://www.brookings.edu/research/economic-mobility-of-fami... https://www.worldbank.org/en/topic/poverty/publication/fair-progress-economic-mobility-across-generations-around-the-world https://www.worldbank.org/en/topic/poverty/publication/fair-... PT Barnum, on the other hand, makes a great case for living within one's means, which is always valuable advice.
- ohaideredevs 8y agoI am yet to hear one concrete piece of useful advice on "how to make money." The ONLY things I can say with certainty in life, as far as productive activities go is something like "workout, eat right, sleep enough, drink enough water." That's literally it.
- tudelo 8y ago> I am yet to hear one concrete piece of useful advice on "how to make money." Uhh... get a job?
- smnplk 8y agoToo many jobs, don't know which to pick.
- jimbokun 8y agoThis guy has plenty of concrete advice: https://www.mrmoneymustache.com/category/mmm-classics/ https://www.mrmoneymustache.com/category/mmm-classics/ It is very similar to "workout, eat right, sleep enough, drink enough water", as they are things that "everyone" knows they should do, but few have the will power and self discipline to actually do them. Budget. Get your expenses under your income. Set aside an emergency fund. Pay off your debts as quickly as possible. Then start investing for retirement, house, kids college, etc. While avoiding new debt. That's pretty much it. Dave Ramsey and many other advisers say roughly the same thing, including the introduction to Barnum's book: http://www.fourmilab.ch/etexts/www/barnum/moneygetting/moneygetting_chap1.html http://www.fourmilab.ch/etexts/www/barnum/moneygetting/money... Ramsey pretty much says this stuff is simple in his course, and spends most of his time on the emotional and motivational aspects of putting the advice into practice. For example, he advocates paying off your smallest debt first, not the one with the highest interest rate. This is solely for the motivational impact, because seeing a debt disappear completely will inspire you to keep going and attack the next one, even if it's sub-optimal from an economic perspective.
- astura 8y agoThe advise Dave Ramsey and Mr. Money Mustache give are really only applicable once you already did the hard part and built a steady career. Their advice isn't going to help someone who works at McDonalds with several kids with several deadbeat baby daddies and no family support get out of poverty, nevermind build wealth. The fact that most of Mr. Money Mustache's readers (who answer surveys) are engineers really reinforces that. I'm not trying to pick on anyone here, I'm actually describing a good friend of mine. That being said, I don't know what will, so I don't have any suggestions.
- sigmaprimus 8y agoDon't Blab >>> This chapter/paragraph goes against everything I believe in, the entire opensource community is based on sharing. I am an aspiring farmer with a tech addiction and if it wasn't for people sharing their successes through YouTube and a lesser extent farmers that write books, this "City Boy" wouldn't have survived my first year on the farm. I also agree Internet sucks in the country, but it's still better than encyclopedias!!
- deleted 8y ago[deleted]
- sigmaprimus 8y agoGood point, not sure why you deleted your comment. I will read the article when I get a chance. I did browse over it and found the line "there’s too many things that are important, even needed, or that fulfill us more than any profitable item, and yet are economically unsustainable." To be a sad but true statement. Sometimes I forget that I didn't get into farming to get rich, it is much more of a soul healing endeavour rather than a wealth accumulation exercise.
- jmdeon 8y agoHey sigmaprimus I'd love to hear more about your transition from "City Boy" to farmer! I'm thinking of taking the leap in a few years after saving "enough" capital. I can put my contact info in my bio if you have time to private message.
- sigmaprimus 8y agoI am still in transition to be honest, I have finally got to the point that I am living full time on the farm now but have not managed to make a profit yet. Farming is a great lifestyle but the farming lifestyle is not a great business, not yet at least. I am planning on publishing a blog/vlog this year and will definitely share it with HN. If you are looking for some inspiration though, look into Joel Salatin,John Suscovich and Curtis Stone on YouTube.
- asynchronous13 8y ago
- canaus 8y ago> We are all, no doubt, born for a wise purpose. I've heard and seen this time and time again and yet there's no advice on how to find that purpose. It's always easy to say, "do what you love" but how do you find what you love?
- jdhawk 8y agoDo lots of varied things, gravitate towards the ones you enjoy the most.
- Matticus_Rex 8y agoLots of books on that as well: https://www.amazon.com/True-Purpose-Strategies-Discovering-Difference/dp/0615267939 https://www.amazon.com/True-Purpose-Strategies-Discovering-D...
- jimbokun 8y agoI think it's terrible advice. Do what brings the most value to others, that you have the talents to accomplish, and that you also enjoy doing. I think the intersection of those sets is the most likely place to find one's "purpose". There are plenty of things you might "love" to do, that will leave you destitute and unfulfilled if you devote your life to doing them.
- tonyedgecombe 8y agoIt has to align with your values, there is no point going to work on missile software if you are a pacifist at heart. The work needs to be meaningful. There should be some element of mastery, you need to be challenged in your work but not completely out of your depth. You also need a degree of autonomy, this is what makes most corporate life so miserable, they have so many rules you can't decide anything. Money doesn't matter so much, most people adjust their lifestyle to their income and get used to it.
- combatentropy 8y agoI sense two questions. 1. What kind of role should I play? Should I be a doctor or a lawyer, a salesman or a programmer? This is the question that the chapter addressed, and I think this question is easier. It should be obvious whether you would rather be a salesman or a programmer. It can get harder as you try to discern between two similar jobs: sales or management, mathematician or professor. I believe personality is partly biological, and you should try to go with your natural grain. The Myers Briggs theory helped me, although at first it was hard to grasp. The best way may be to do a web search for each of the 16 personalities, read a few descriptions, and decide what you are based on that, instead of taking the tests. The theory may be pseudoscience, but it seems close to the truth. 2. Where should I work? Should I work at a website for finding restaurants or in healthcare? Should I work at Uber or Lyft? Or a nonprofit? Should I found my own start-up? If so, what should its product be? I think this question is harder for most people, and I don't have a sure theory for how best to tackle it. What I'm coming around to believing though is that you get no meaning out of serving yourself. Sure, you need to take care of your needs, but if you try to find a job to fulfill yourself, you wind up empty. Instead I begin to sense fulfillment when I focus on helping other people. So, maybe ask questions like (A) What am I good at, or what do I have to offer (this is question #1, above). (B) What needs are out there, and (C) What are the opportunities within reach to mix A with B? Maybe start with small steps.
- sixhobbits 8y agoFunny how some of it seems like good common sense and then you get > Some men have a foolish habit of telling their business secrets. If they make money they like to tell their neighbors how it was done. Nothing is gained by this, and ofttimes much is lost. Say nothing about your profits, your hopes, your expectations, your intentions. And this should apply to letters as well as to conversation. Goethe makes Mephistophiles say: “Never write a letter nor destroy one.” Business men must write letters, but they should be careful what they put in them. If you are losing money, be specially cautious and not tell of it, or you will lose your reputation. In 2019, it seems openness and transparency (eg Buffer) can form the foundations of a profitable strategy
- chatmasta 8y agoIn this case Buffer is also a result of selection bias, since you do not have data on more private companies. I'm also skeptical of the attribution of Buffer's success to their openness; Buffer is successful first and foremost because it's a good product that works and was released at an opportune time. The fact that they are an "open company" is likely, at best, a small marketing advantage.
- coldtea 8y ago>In 2019, it seems openness and transparency (eg Buffer) can form the foundations of a profitable strategy As an exception, not as a rule. Business espionage anyone?
- Balgair 8y agoIn The Count of Monte Cristo, the Count ruins Danglers' fortune via bond market manipulation per his revenge plans. One of the ways he keeps track of how the ruination progress is via Danglers' own words. At first, Danglers boasts loudly in parties about how much he has lost, but eventually he is cowed and no longer talks about money or his fortune. The Count keep track of his boisterousness as a barometer of his revenge and it's progress. Its a great book and well worth the read, despite it's size.
- valesco 8y ago
- ndrwlfntn 8y agoGreat, because this world needs more grifting P.T. Barnum types.
- netspider 8y agoIt simple your daily income must be superior to your outcome thats it
- kileywm 8y agoInteresting snippet of wisdom from the article: > The real comforts of life cost but a small portion of what most of us can earn. Dr. Franklin says “it is the eyes of others and not our own eyes which ruin us. If all the world were blind except myself I should not care for fine clothes or furniture.” In reading a few of the chapters, it was really interesting to see the dollar amounts written. They seemed rather high for 1880. > She has a nice one thousand dollar camel's hair shawl, and she will make Smith get her an imitation one, and she will sit in a pew right next to her neighbor in church, in order to prove that she is her equal. Inflation calculators put that camel shawl at nearly $25,000 (2019 dollars).
- akiselev 8y agoThere used to be a lot fewer luxury goods and they were a lot more expensive because most came from "exotic" far away places (and many were valued solely because of it). Camel's hair, especially, likely wasn't an automated textile like cotton and it's a rather expensive material to begin with (a good shawl would likely run into four figures even now). $1,000 is roughly two to five years average income (depending on the state) in 1880 so if the average family income right now is ~50k and a family of professionals makes 250k, it's not that far fetched. Especially when you consider that church was the important social outing for a majority of the population.
- fapjacks 8y agoThe world we live in is an astonishing exception compared to pretty much any point in human history and one of the outcomes of this is that our instinct for price has been greatly skewed by the cheapness of things because of mass-manufacturing. Though certainly true in some cases, it's not that good, quality items of sturdy construction have gotten more expensive, it's that everything else we use normally -- all the cheap plastic shit from China -- is so cheap to manufacture, that the quality stuff seems so expensive.
- rc_kas 8y agoAll praise be unto this fourmilab.ch website. This is the old internet. The internet that I first fell in love with. Its purely about the information, just an honest straight provider of information. Its a truly loyal ode to the term "information highway". These types of websites are so rare now.
- dang 8y ago2007: https://news.ycombinator.com/item?id=88544 https://news.ycombinator.com/item?id=88544 2008: https://news.ycombinator.com/item?id=310056 https://news.ycombinator.com/item?id=310056 2016: https://news.ycombinator.com/item?id=11320169 https://news.ycombinator.com/item?id=11320169
- sigmaprimus 8y agoIsn't that interesting, makes me want to post a link to "How to Win Friends and Influence People" I wonder how great P.T. Barnum would be at creating click bait today as after almost 150 years his writings keep getting posted over and over again! He definitely had a gift for capturing people's attention by exploiting their base desires.
- Gpetrium 8y agoThis is an interesting point you may have raised regarding re-post. At one end, repeated information will lead some to think it is counter-productive, think it is a karma-hungry person or lead to backlash. On the other end, there are many individuals that can benefit from older articles that they have yet to see. Where to find the balance? We have yet to see.
- dang 8y agoReposts are ok after a year or so. This in in the FAQ: https://news.ycombinator.com/newsfaq.html https://news.ycombinator.com/newsfaq.html. The reason for providing links like that is simply that people find previous discussions interesting.
- sigmaprimus 8y agoJust a small observation but I feel important: This article has two titles, "Golden Rules for Making Money" and "Art Of Money Getting". You can "Get Money" without being productive, to "Make Money" is inherently productive.
- gridlockd 8y ago"Unless a man enters upon the vocation intended for him by nature, and best suited to his peculiar genius, he cannot succeed. I am glad to believe that the majority of persons do find their right vocation. Yet we see many who have mistaken their calling, from the blacksmith up (or down) to the clergyman. You will see, for instance, that extraordinary linguist the “learned blacksmith,” who ought to have been a teacher of languages; and you may have seen lawyers, doctors and clergymen who were better fitted by nature for the anvil or the lapstone." #learntocode
- robbrit 8y agoThe first few paragraphs remind me of a book called "Your Money or Your Life", which provides a simple way of expense tracking that can help build up savings. I recommend it for anybody who likes money.
- billfruit 8y agoOne modern trick to earn a tiny bit of extra money: Use credit cards for buying/paying anything at all, never use debit cards or cash: Credit cards usually pay a small reward point for spends which can often be redeemed as a cash discount later, and also since the expenses go to the credit card, the cash in the savings account stay untouched till the day you make the credit card bill payment, which will keep earning interest for the additional days it remains in your account(Which may be a significant amount over long term, in a high interest rate country). In some countries you can route large payments like insurance premium payments through the credit card. Sometimes insurance companies even have investment products which they claim are "insurance policies", that can be bought with credit cards too.
- ai_ia 8y agoOfftopic, Frank Abnegale ( Catch me if you can fame ) also says the same thing in his [1] lecture at Google. The whole lecture is also pretty interesting. One of the best google talks I have seen. [1]: https://www.youtube.com/watch?v=vsMydMDi3rI&t=3264s https://www.youtube.com/watch?v=vsMydMDi3rI&t=3264s
- mhh__ 8y agoAnd it's much easier to get your money back from a fraudulent credit card use than debit card use.
- umvi 8y agoDidn't people abuse this one time to by buying $1 coins from the US Government with credit cards and then immediately re-depositing them into their bank accounts? They were essentially pocketing a fraction of the merchant fees the govt had to pay in order for people to buy the coins with credit cards.
- jackweirdy 8y agoYes, and (in the US) money orders too, at USPS. Then, USPS realised what was happening, and blocked them for purchase on credit cards. The “manufactured spend” community (who cycle money through cards to get cashback/points without really spending money) then started buying prepaid debit cards & gift cards on credit, then buying money orders on gift cards, then depositing the money back in their bank. That came to an end a couple of years ago when prepaid cards were also blocked: https://www.reddit.com/r/churning/comments/7ac5t9/doc_link_new_usps_memo_gift_cards_are_not/ https://www.reddit.com/r/churning/comments/7ac5t9/doc_link_n...
- Animats 8y agoPersonally I like Benj. Franklin's maxims better. Much the same content, but pithier.
- DigiMortal 8y agoI found this to be insightful and helpful. Thank you for sharing.
- jhallenworld 8y ago"Once you have their money, never give it back." https://memory-beta.fandom.com/wiki/Ferengi_Rules_of_Acquisition https://memory-beta.fandom.com/wiki/Ferengi_Rules_of_Acquisi...
- kerouanton 8y agoThanks for the link, it's a nice discovery. fourmilab.ch is a real website for hackers, lots of interesting things. Also, I didn't know its author, John Walker, creator of AutoDesk AutoCAD was living in Switzerland and still so interested in topics such as astronomy, C64, science fiction, Kerbal Space Program and more nerdy things.
- davidhbolton 8y agoMy favourite quote on wealth (not in this book) is "The best way to make a small fortune on the internet is start with a large fortune".
- tonyedgecombe 8y agoThat is frequently quoted with regards to the restaurant business.
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- nancyMorgaton 8y agoHello Everyone my name is Nancy, I'm So happy I could come out of such a terrible experience during the holidays, I had five (5) negative items on my credit report with low credit score of 486. I wanted to apply for a business loan so that i could be able to Start up something in he beginning of February 2019, My credit report wasn't in good shape to get a loan. I came across CREDIT GURU, he helped me remove all the negative items on my credit report and boosted my credit score to 806 excellent plus within 5 days. I must confess that I used his service and I was assured maximum privacy and excellent results which came through. His service is secured, fast with low preferred price. Write him via email CREDITGURU At CYBERSERVICES Dot Com or 424 800 3201 and be happy you did.
- markerjerome11 8y agoI made a severe mistake trusting these credit repair companies after paying a monthly fee for 8 months and they could not delete a negative item from my report, the only thing they did successfully was to raise my credit score by 80 points though I was still struggling with my credit until I read a particular review on Journal times about a particular hacker named Derrick. I got his info off the site and I reached him via email DERRICKREPAIR@TECHIE.COM, +1 830 308 7397. In 5 working days, Derrick came through and also verified the changes. Email him now to be a witness and also a testifier to his good works, tell him Jerome referred you.