Saturday, January 25, 2014

Lively discussion (debate) in the Japan Times over libraries/recreational reading


Lively discussion in the Japan Times (Krashen vs. Chris Clancy)

My original letter:
Recreational reading will score
Published in the Japan Times,  January 19, 2014
Regarding the Dec. 31/Jan. 1 article “English to get 2020 push but teachers not on the same page“: Experts have criticized Japan’s reform plan for English for not including enough hours of English instruction to accomplish its goals. They’ve also noted the lack of resources and staffing.
There is an easy way to help solve both problems and ensure that growth in English will continue after students finish school: Invest in libraries and promote recreational reading.
Study after study shows that self-selected pleasure reading results in profound gains in vocabulary, grammar, spelling and writing style in first and second languages.
Also, reading can be so pleasant that students are often eager to do it on their own. Many of these studies have been done with those acquiring English as a second language in Japan, and they have been published in scholarly journals all over the world.
I hope that the panel of experts about to be created by the education ministry will study the work of some of the prominent scholars in Japan who have done quality research in this area, including Beniko Mason, David Beglar and Atsuko Takase.
Professor Mason has reported that older English acquirers who develop a reading habit in English make impressive gains on the TOEIC (Test of English for International Communication) even without extra English classes. (One of her subjects was in his 70s!)
stephen krashen
los angeles

Clancey response to my letter
Pleasure reading presents hurdles
Published in the Japan Times, Jan 25, 2014
Having the esteemed professor emeritus Stephen Krashen contribute to the ongoing question of English education in Japan is always pleasurable. However, his letter of Jan. 16, “Recreational reading will score,” raises more questions than it answers.
Just how investing in libraries and promoting recreational reading will solve the problems of inadequate resources and staff, as well as too few hours of instruction to meet the education ministry’s reform goals, is difficult to envision. Though the plan may very well ensure that growth in English will continue after students finish school, it fails to relate to the issue at hand — reforming English study from elementary to high school.
Also curious is the claim that research studies involving self-selected pleasure reading have been conducted among learners acquiring English as a second language here in Japan. This perhaps exemplifies that the good doctor may be off target.
Technically the study of English as a Second Language (ESL) pertains to situations of foreign speakers in an English-speaking environment — Latin Americans in the United States, for example. Contexts such as that in Japan, where English is studied more as an academic discipline than a tool for communication, are usually referred to in terms of English as a Foreign Language (EFL).
As for the issue in question — bolstering English education from elementary to high school — there are tremendous hurdles to be overcome prior to even considering any notion of sustained silent reading, or reading for pleasure. Krashen appears to be out of his league.
chris clancy
shiojiri, nagano


My response to Clancy, submitted to the Japan Times, January 25, 2014
Investing in libraries and recreational reading is still a very good idea: Response to Clancy
In my letter of January 16 ("Recreational reading will score"), I suggested that investing in libraries and promoting recreational reading would help English language development in Japan. Chris Clancy objects ("Pleasure reading presents hurdles," January 15).
Clancy says that because of inadquate time and resources, libraries and pleasure reading will only "ensure growth in English … after students finish school." Isn't this our goal?
Concerning the issue of time: Studies by Beniko Mason show that extensive reading is more efficient in terms of language acquired per hour than traditional instruction. Reading is a time saver.
As for resources, it is interesting that we cheerfully spent millions on untested technology that is obsolete as soon as it is assembled, but are unwilling to buy books, which are never obsolete.
Stephen Krashen

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  2. With all due respect, I feel like you and Mr. Clancy are talking about two completely different points. He's talking about potential problems with the new Japanese English curriculum and how it is going to be instituted in elementary schools and you are talking about how to "ensure growth in English will continue after students finish school" by putting more money into libraries? So you are talking about high school and university students? Or adults who have graduated? I don't get it. How does that "easily" solve the problems of how to introduce elementary school kids to English? I'm confused.
    Or are you suggesting these 3rd-6th graders who will have only had the minimal English training talked about in Clancy's original article be encouraged to pick up English novels? We all agree that's absurd right? So, I don't get it. I don't see the debate.

    To me it sounds like saying "all you need to do to fix illiteracy is to invest more in libraries and encourage people to read for pleasure".

    As a side note, I'm not trying to say that more money shouldn't be put into libraries and students not shown the joy of pleasure reading in a foreign language. Nor am I saying that that would not have a profound effect on certain students. I just don't think it is relevant at all to the 3rd-6th grade students, or even for most Japanese Jr. High students for that matter, that are talked about in the original article.

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  3. Thank you very much for the post. I'm really glad that I was able to find this intriguing discussion going on. I'm Japanese, a mother of two and a part-time teacher of English in high school.
    I totally agree with your suggestions; "There is an easy way to help solve both problems and ensure that growth in English will continue after students finish school: Invest in libraries and promote recreational reading," and actually there are already many teachers, schools, students and people in general doing exactly the same approach all over Japan. It's is called Tadoku. My class in high school is thoroughly for Tadoku.
    Tadoku basically means "read a lot," so its style slightly differs depending on the conditions such as what kind of schools/cram schools you work at or how old you students are, but most Tadoku approach respects students' voluntarily, and teachers are like facilitators to provide the best environment for pleasure reading.
    I think, after all, what we Japanese need for learning/acquiring English is quite simple; it's *exposure* to English, and Tadoku is exactly the thing.
    If you're curious to know more about Tadoku, please google it, then you'll come across lots of sites and blogs of teachers and Tadoku doers talking about the joy of learning/acquiring English. I myself am able to use English this much thanks to Tadoku and also my daughter, 19, became a fluent user of English mostly from Tadoku approach.
    Miyanishi Emi

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    I am Elvin Morrison, a Private Money Lender do you need a loan to start up business or to pay your bills and a corporate financial for real estate and any kinds of business financing. I also offer Loans to individuals,Firms and corporate bodies at 2% interest rate. I give out loan to serious minded people that are interested of loan if interested contact this email: elvinloancompany@yahoo.com

    ReplyDelete
  23. Good Day !!

    I am Mike Brown, Working with FIDELITY BANK PLC a Reputable, Legitimate & an accredited money
    Lending company. I want to use this medium to inform you that we render reliable beneficiary
    assistance as we'll be glad to offer loan at 2% interest rate to reliable individuals.

    Services Rendered include:

    *Home Improvement
    *Inventor Loans
    *Car Loans
    *Debt Consolidation Loan
    *Line of Credit
    *Second Loan
    *Business Loans
    *Personal Loans
    *International Loans.

    Please write back if interested.
    Upon Response, you'll be mailed a Loan application form to fill. (No social
    security and no credit check, 100% Guaranteed!) I Look forward permitting me to
    be of service to you. You can contact me via e-mail: fidelitybankloanoffer9@gmail.com
    Yours Sincerely,

    Mike Brown(MD).

    ReplyDelete
  24. We offer financial service of any reason,finance to start business,paying of bills all kind of financial assistance unsecured loans to honest and reliable individuals and companies globally at 3% interest rate. Here is the solution to your financial problem, contact us today via email: diskanke@gmail.com

    ReplyDelete
  25. Need a Loan, Loans from $1,000 - $5,000,000 00. Get your no obligation FREE quote now! Repayments up to 54 Months. No

    Collateral, Money paid into your account within 24 hours after approval. For more Info contact us today via email:

    diskanke@gmail.com

    ReplyDelete
  26. Hello applicant


    I am Mr. Campbell Reid and i give out loans at an interest rate of 3% and i am a real and legit lender who give out all kinds of loans you need.


    If interested in the offer, contact us today at reid3133@gmail.com or website: http://reid3133.wix.com/campbellreidloanfirm.


    Regards
    Campbell Reid.

    ReplyDelete
  27. Hello

    To properly introduce myself, I am Mrs Racheal. a private
    lender i give out loan at 3% interest rate. This is a financial
    opportunity at your door step, apply today and get your fast loan.
    There are many out there looking for financial opportunity or
    assistance all over the places and still yet they are unable to get
    one. But this is a financial opportunity at your door step and as such
    you can't afford to miss this opportunity. This service is render to
    both individuals,companies,business men and women. The loan amount
    available ranges from any amount of your choice.For more information
    contact us via email: amutaracheal001@gmail.com


    FIRST INFORMATION NEEDED

    Full Name:
    Personal Phone Number:
    Country:
    Address:
    State:
    Age:
    Have you applied before?:
    Marital Status:
    Loan amount needed as loan:
    Loan Duration:
    Occupation:
    Monthly Income:


    Contact Via email: amutaracheal001@gmail.com

    I gladly await your swift response,

    Warm Regards,
    Mrs Racheal.

    ReplyDelete
  28. NATION WIDE LOAN FINANCE SERVICES
    HEAD OFFICE--3 Basinghall Avenue,UNITED KINGDOM
    EMAIL ADDRESS--[nationwideloans644@gmail.com]
    ---------------------------------------------------------
    NATION WIDE LOAN FINANCE SERVICES , is a charitable
    loan organization formed to help our individuals all
    over the world who are going through financial crises
    We give out loans from the range of
    $1,000 to $90,000,000. Our loans are well insured and maximum security
    is our priority, at an interest of 2% rate.

    Available Loans
    *Commercial Loans.
    *Personal Loans.
    *Business Loans.
    *Investments Loans.
    *Development Loans.
    *Construction loans.

    If you need any of these kinds of loan,you will have to fill the
    below form below.

    APPLICATIFORM
    Name:----------------
    Address:-------------
    Country:-------------
    Occupation:----------
    Loan Amount----------
    Purpose of loan------
    Loan Duration--------
    Phone Number:--------

    OUR EMAIL IS EMAIL---{nationwideloans644@gmail.com

    STAY BLESS
    ALICIA ROGER
    EMAIL ADDRESS--[nationwideloans644@gmail.com]
    www.nationwideloanserves.webs.com

    ReplyDelete
  29. NATION WIDE LOAN FINANCE SERVICES
    HEAD OFFICE--3 Basinghall Avenue,UNITED KINGDOM
    EMAIL ADDRESS--[nationwideloans644@gmail.com]
    ---------------------------------------------------------
    NATION WIDE LOAN FINANCE SERVICES , is a charitable
    loan organization formed to help our individuals all
    over the world who are going through financial crises
    We give out loans from the range of
    $1,000 to $90,000,000. Our loans are well insured and maximum security
    is our priority, at an interest of 2% rate.

    Available Loans
    *Commercial Loans.
    *Personal Loans.
    *Business Loans.
    *Investments Loans.
    *Development Loans.
    *Construction loans.

    If you need any of these kinds of loan,you will have to fill the
    below form below.

    APPLICATIFORM
    Name:----------------
    Address:-------------
    Country:-------------
    Occupation:----------
    Loan Amount----------
    Purpose of loan------
    Loan Duration--------
    Phone Number:--------

    OUR EMAIL IS EMAIL---{nationwideloans644@gmail.com

    STAY BLESS
    ALICIA ROGER
    EMAIL ADDRESS--[nationwideloans644@gmail.com]
    www.nationwideloanserves.webs.com

    ReplyDelete
  30. NATION WIDE LOAN FINANCE SERVICES
    HEAD OFFICE--3 Basinghall Avenue,UNITED KINGDOM
    EMAIL ADDRESS--[nationwideloans644@gmail.com]
    ---------------------------------------------------------
    NATION WIDE LOAN FINANCE SERVICES , is a charitable
    loan organization formed to help our individuals all
    over the world who are going through financial crises
    We give out loans from the range of
    $1,000 to $90,000,000. Our loans are well insured and maximum security
    is our priority, at an interest of 2% rate.

    Available Loans
    *Commercial Loans.
    *Personal Loans.
    *Business Loans.
    *Investments Loans.
    *Development Loans.
    *Construction loans.

    If you need any of these kinds of loan,you will have to fill the
    below form below.

    APPLICATIFORM
    Name:----------------
    Address:-------------
    Country:-------------
    Occupation:----------
    Loan Amount----------
    Purpose of loan------
    Loan Duration--------
    Phone Number:--------

    OUR EMAIL IS EMAIL---{nationwideloans644@gmail.com

    STAY BLESS
    ALICIA ROGER
    EMAIL ADDRESS--[nationwideloans644@gmail.com]
    www.nationwideloanserves.webs.com

    ReplyDelete
  31. Hello am Murcas cafes, my business collapse 8 months ago, I had no hope of
    getting my business alife again.I tried to borrow money from the bank but I did not have
    enough money in my credit card and no property as collateral to get a loan, but
    someone introduced me to a woman called JULIA NAVARO. This woman`s loan company was
    able to give me a loan of $30,000 without any property as
    collateral or credit card, but he gave it to me on trust. So my friends I
    said to myself why being selfish, so i decided to share this information
    with everyone. If you require a loan from a reliable loan lender do contact
    JULIA NAVARO on navaroloancompany@gmail.com

    ReplyDelete
  32. Hello everyone my name is Anna Barger, am here to testify how i was scammed by various loan lender from this site.I was in need of a loan and i applied from various loan lenders from this very site.They asked me to pay some amount of money at different basis but i never get my loan.This was how i lost the sum of 5000USD .I was now in debt because i borrowed the money from a friend.One day a friend of mine introduce me to Elvin Morrison.He told me how he has helped him with loan at several cases without any delay.I was scared and never believe him.He urge me to trust him,this was how i as introduce to him through his email {elvinloancompany@yahoo.com}.He told me he will offer me the loan that i only need to comply with them.I did as he told me and without any delay,i received my loan as he earlier promise.
    Am here to tell you that most of the loan lenders in this site are scammers. If you truly need a genuine loan please meet Elvin Morrison through his email elvinloancompany@yahoo.com.He is a registered reliable loan lender.

    ReplyDelete
  33. Hello everyone, My name is Morgan Jackson, a citizen of USA; am 42 years of
    age.. I want to inform you all about the goodness of the lord for finally
    leading me to a really and genuine loan lender named Mr Tyrone Leonard, the
    managing director of Leonard Loan Company after been scammed by other fake
    lenders, i was hopeless and didn't know who to trust while he came and put
    a great smile on may face at my greatest surprise. Anyone of you that have
    also been a victim of scam, you should bother no more cause, i have bring you
    good news and the only lender you can trust, just contact them now via
    email: { leonardloanfirm@yahoo.com } for more info on how to get your loan.
    And once again thanks be to Mr Tyrone Leonard for giving me a loan of
    154,000.00 USD...

    ReplyDelete
  34. Get financially redeemed with our funding program, It is with great and expectant pleasure that I bring this very

    important announcement to your door steps. A financial body is here and We are giving out Loans to persons

    seeking our financial service. We offer both loans and project funding at a very minimal interest rate of 3%. We

    are willing and will be pleased to do business with you so please contact the loan officer of the firm via Email;

    Fenandezsmith@hotmail.com .
    And if you are ready to get the loan without and delay, kindly fill the form below.

    Full Name:.....
    Country:.....
    State/Province:.....
    Occupation:.....
    Amount of Loan Needed:.....
    Loan Duration:.....
    Age/Gender:.....
    Monthly Income:.....
    Purpose of Loan:.....
    Marital Status:.....
    House/Office Address:.....
    Phone Number:.....

    Services Rendered include:

    *Home Improvement
    *Inventor Loans
    *Car Loans
    *Debt Consolidation Loan
    *Line of Credit
    *Second Loan
    *Business Loans
    *Personal Loans
    *International Loans.

    Fill the form correctly and all response must be forwarded to Fenandezsmith@hotmail.com , for fast processing.

    Thank you.

    ReplyDelete
  35. Good Day All Of You I am, Mike Smith a reputable, legitimate and accredited company
    Moneylenders. We borrow money to Individuals with a rate of 3% in need financial
    Help. Did you have a bad credit or you are in Need money to pay bills? We want to use this medium to inform you that I do Reliable Beneficiary assistance as we are glad to offer You loan a. No credit check, 100% Guaranteed.
    (E-mail mikesmithloan@hotmail.com ) continue with your loan. Loan application form:
    Name of applicant: ...............
    Address: ................
    Location: ..................... ..
    State: ........................
    Country: .................. ..
    Gender: ......................
    Email ............
    Phone Number....................
    Marital status ..............
    Loan amount.................
    Loan Duration ..................
    Purpose of the loan .........................
    Monthly income ........................
    Have you apply before? .............................
    Are you planning application.

    After submitting the loan application, you can
    Expect a preliminary answer less than 24 hours
    and financing within 72-96 hours of receipt of
    Information we need from you to our
    Company Email (mikesmithloan@hotmail.com ) Regards.
    Mr. Mike Smith.

    ReplyDelete
  36. Dear Investors/Financial Seekers

    We are a Registered Private Investors/Loan Lender! Do you need FINANCIAL ASSISTANCE? Are you in financial mess OR debts? We offer loan at 3% interest rate within 1 year to 30 years repayment duration period to Individual and Companies that are in need of financial assistance and to any part of the world

    We give out loans ranging from $5,000.00 to $500,000,000.00, CURRENCIES: USD, CAD, KWD, OMR, SGD, RUB, GBP, AUD, MYR, ZAR, IDR, UAH, PHP, EURO.

    Our loans are well insured for maximum security is our priority, Are you losing sleep at night worrying how to get a legit loan lender? Are you in poverty? Do you need financial assistance to set-up a business? We can assist you financially. We'll help you get over those financial obstacles.

    Interested Individual OR Companies should contact us via:

    Email:{linpohloanfirm@yahoo.com.sg} OR

    {linpohloanfirm@gmail.com}

    Regards,

    Lin Poh Loan Firm Team.

    ReplyDelete
  37. TESTIMONY ON HOW I GOT MY LOAN.

    Complement of the day, My name is Jimmy Wallace, I am from Texas USA, I have been searching for a genuine loan for the past 5 months now and all I got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, I got confused and frustrated,then i find it very difficult to feed my family, I never wanted to have anything to do with online loans again, so I went to borrow some money from a friend, I told him all that happened and he said he can help me, that he knows a honest lender that can help me, that he just got a loan from Mrs Julian Smith, he directed me on how to apply, I did as he told me, I applied, I never believed but I tried and to my greatest surprise I got the loan of $87,000 on the 23rd of April 2015 within 48 hours, I could not believe, I am happy and rich again and I'm thanking God, because i don't believe honest lenders like this still exist upon the high rate scams all over the globe, I would recommend this honest lender to everyone! here is the email that i used in contacting her: juliansmith14@hotmail.com OR view their Website: http://juliansmithsloan20.wix.com/julianloan

    ReplyDelete
  38. I am ROSE SMITH from CANADA a single parent, before my husband died he left us with so much DEBT that we could not cope with life, I was totally confused on what to do. When I was going through the internet I came across a POST by MARCUS CAFE about how Mrs JULIA NAVARO help him to get a loan so I applied for the loan from JULIA NAVARO through her mail (navaroloancompany@yahoo.com) of $200,000 with a duration of 10 years. When I was applying for the loan I made a vow to GOD that if I get the loan I will let the world know what she did for me, to my greatest surprise my loan was granted with
    an interest of 2%. I was able to settle my debt and start up a new life and business with a settled family. So if you want any type of loan for as low as 2% please contact JULIA NAVARO on her mail navaroloancompany@yahoo.com.I just fulfilled my vow.

    ReplyDelete
  39. Hello everyone am here to testify how i got my loan from Mr Akisu. after i applied several times from various loan lenders who claimed to also testify right in this forum,i thought the testimonies where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mr Akisu. who promised to help me and indeed he did as he promised without any form of delay.I never thought there are still reliable loan lenders until i met Mr.Akisu,who are indeed helped with the loan and changed my belief.I don't know if you are in any way in need of a genuine and urgent loan,free feel to contact Mr.Akisu via his email{Akisuloancompany@gmail.com} Thank you may God bless you

    ReplyDelete
  40. Good day Friends. I am Mrs Anita a single mom, from canada, I love to share this great testimony that took place in my life for you to know and be partaker of it that is why I always place it on answer, I want to thank (Mr robert) for his kindness upon my family. Just a few months Back, I was in search of a loan of $65,000.00 as I was running out of money for my business and i could not pay my children's fees anymore. I was recently scammed of $8,500 by an online lender and I decided not to get involve in such risk again I never knew that a real lender like (Mr.robert) still exist on internet and on earth here. until a Friend of mine introduced me to {Mr Robert} At first I told her I was not interested in any loan deal anymore then she assured me that (Mr.robert) is a genuine lender, though i never believed her, I made a trial and I am glad i did, I was given a loan amount of $65,000.00, by this so i am advising you today If you are interested in a loan, or any financial assistance and you can be reliable, trusted and capable of paying back at the due time of the funds I will advice you to contact:(robertfinancial_loancompany@yahoo.com) and you be free from scams in the internet. All thanks to Mr.robert for restoring happiness unto my business.

    ReplyDelete
  41. Good Day !!

    I am JULIA NAVARO, Working with NAVARO LOAN COMPANY a Reputable,
    Legitimate & an accredited money Lending company. I want to use this medium
    to inform you that we render reliable beneficiary assistance as we`ll be
    glad to offer loan at 2% interest rate to reliable individuals. The
    Services Rendered include: *Home Improvement *Inventor Loans *Car Loans
    *Debt Consolidation Loan *Line of Credit *Second Loan *Business Loans
    *Personal Loans *International Loans *education loans. (No social security
    and no credit
    check, 100% Guaranteed!) I Look forward permitting me to be of service to
    you. You can contact me via e-mail: navaroloancompany@yahoo.com

    Yours Sincerely,
    Julia Navaro.

    ReplyDelete
  42. Are you looking for a business loan? personal loan, house loan, car loan, student loan,debt consolidation loan, unsecured loans, venture capital, etc. .. Or have you been refused a loan by a bank or a financial institution for any reasons. I am a john williams, a private lender, lending to businesses and individuals in a low and affordable interest rate of 2% interest rate. if Interested? Contact us today at (johnloanfirm101@outlook.com) and get your loan today

    ReplyDelete
  43. HOLY FAMILY LOAN CENTER
    EMAIL ADDRESS----[holyfamilyloancenter@gmail.com]
    HEAD OFFICE ------Southwell Park Road Camberley, United Kingdom
    -----------------------------------------------------

    Welcome to HOLY FAMILY LOAN CENTER
    We offer loans to individuals around the globe.
    Our loan offer is available for people with bad credit and
    without placing any collateral to secure a loan,

    We offer the various type of loans to individuals ---

    Personal loans
    Refinance loans
    Investor loans
    Auto Loans
    Debt consolidation loans
    Business Loans
    International Loans

    REGARDS
    MATILDA WILLIAMS
    www.holyfamilyloancenter.webs.com
    EMAIL ADDRESS-------[holyfamilyloancenter@gmail.com]
    HOLY FAMILY LOAN CENTER

    ReplyDelete
  44. HOLY FAMILY LOAN CENTER
    EMAIL ADDRESS----[holyfamilyloancenter@gmail.com]
    HEAD OFFICE ------Southwell Park Road Camberley, United Kingdom
    -----------------------------------------------------

    Welcome to HOLY FAMILY LOAN CENTER
    We offer loans to individuals around the globe.
    Our loan offer is available for people with bad credit and
    without placing any collateral to secure a loan,

    We offer the various type of loans to individuals ---

    Personal loans
    Refinance loans
    Investor loans
    Auto Loans
    Debt consolidation loans
    Business Loans
    International Loans

    Interested client should please fill the application details below--

    APPLICATION DETAILS
    Your Full Details______
    Full Name______________
    Loan Amount Need_______
    Loan Duration:_________
    Phone Number:__________
    State:_________________
    Monthly Income:________
    Country:_______________


    As soon as we received your mail,
    we shall send to you our loan terms and conditions for proceedings


    REGARDS
    MATILDA WILLIAMS
    www.holyfamilyloancenter.webs.com
    EMAIL ADDRESS-------[holyfamilyloancenter@gmail.com]
    HOLY FAMILY LOAN CENTER

    ReplyDelete
  45. HERITAGE TRUST LOAN CENTER
    EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
    HEAD OFFICE--742 Harrow Road London UNITED KINGDOM
    ----------------------------------------------------
    I am MRS FLORENCE NOAH,Director and CEO of HERITAGE TRUST LOAN CENTER .

    HERITAGE TRUST LOAN CENTER is a legitimate and well known British
    approved loan lending company based in London, united kingdom.

    We are funded by alternative funding sources including our heritage trust loan firm and private
    high net worth investment.
    =============================================================================

    We offer loans to individuals as well as organizations who have
    intentions of ----
    Renovating houses and institutions,
    Debt consolidation,
    Re-financing purposes,
    Establishment of business outfits
    ============================================================================

    We offer the following kinds of loans to our clients------------
    * Long term loans (20_40years)
    * Short term loans (5_10years)
    * Media term loans (10_20years )
    * Investors Loans
    * Debt Consolidation
    * Second Mortgage
    * Business Loans
    * Personal Loans
    * International Loans
    * Home loans.
    =======================================================

    Interested applicants should please contact us with our email address
    [heritagetrustloancenter@gmail.com]

    THANKS
    EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
    FLORENCE NOAH
    www.heritagetrustloans.webs.com
    HERITAGE TRUST LOAN CENTER

    ReplyDelete
  46. HERITAGE TRUST LOAN CENTER
    EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
    HEAD OFFICE--742 Harrow Road London UNITED KINGDOM
    ----------------------------------------------------
    I am MRS FLORENCE NOAH,Director and CEO of HERITAGE TRUST LOAN CENTER .

    HERITAGE TRUST LOAN CENTER is a legitimate and well known British
    approved loan lending company based in London, united kingdom.


    We offer loans to individuals as well as organizations who have
    intentions of ----
    Renovating houses and institutions,
    Debt consolidation,
    Re-financing purposes,
    Establishment of business outfits

    THANKS
    EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
    FLORENCE NOAH
    www.heritagetrustloans.webs.com
    HERITAGE TRUST LOAN CENTER

    ReplyDelete
  47. HERITAGE TRUST LOAN CENTER
    EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
    HEAD OFFICE--742 Harrow Road London UNITED KINGDOM
    ----------------------------------------------------
    I am MRS FLORENCE NOAH,Director and CEO of HERITAGE TRUST LOAN CENTER .

    HERITAGE TRUST LOAN CENTER is a legitimate and well known British
    approved loan lending company based in London, united kingdom.

    We are funded by alternative funding sources including our heritage trust loan firm and private
    high net worth investment.
    =============================================================================

    We offer loans to individuals as well as organizations who have
    intentions of ----
    Renovating houses and institutions,
    Debt consolidation,
    Re-financing purposes,
    Establishment of business outfits
    ============================================================================

    We offer the following kinds of loans to our clients------------
    * Long term loans (20_40years)
    * Short term loans (5_10years)
    * Media term loans (10_20years )
    * Investors Loans
    * Debt Consolidation
    * Second Mortgage
    * Business Loans
    * Personal Loans
    * International Loans
    * Home loans.
    =======================================================

    Interested applicants should please contact us with our email address
    [heritagetrustloancenter@gmail.com]

    THANKS
    EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
    FLORENCE NOAH
    www.heritagetrustloans.webs.com
    HERITAGE TRUST LOAN CENTER

    ReplyDelete
  48. CHARITY LOAN ONLINE FIRM
    EMAIL ADDRESS==={charityloansonlinefirm@gmail.com}
    HEAD OFFICE====35-39 Inverness Terrace,London, United Kingdom
    =======================================================================
    welcome to CHARITY LOAN ONLINE FIRM , this is a charity online firm
    formed to help individuals all over the world in need to financial help.

    We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0%
    interest rate .

    interested client should please fill the details below

    BORROWER'S DATA

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

    We await your response


    REGARDS
    MRS SANDRA CHOLE
    EMAIL ADDRESS==={charityloansonlinefirm@gmail.com}
    CHARITY LOAN ONLINE FIRM

    ReplyDelete
  49. CHARITY LOAN ONLINE FIRM
    EMAIL ADDRESS==={charityloansonlinefirm@gmail.com}
    HEAD OFFICE====35-39 Inverness Terrace,London, United Kingdom
    =======================================================================
    welcome to CHARITY LOAN ONLINE FIRM , this is a charity online firm
    formed to help individuals all over the world in need to financial help.

    We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0%
    interest rate .

    interested client should please fill the details below

    BORROWER'S DATA

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

    We await your response


    REGARDS
    MRS SANDRA CHOLE
    EMAIL ADDRESS==={charityloansonlinefirm@gmail.com}
    CHARITY LOAN ONLINE FIRM

    ReplyDelete
  50. HOLY FAMILY LOAN CENTER
    EMAIL ADDRESS----[holyfamilyloancenter@gmail.com]
    HEAD OFFICE ------Southwell Park Road Camberley, United Kingdom
    -----------------------------------------------------

    Welcome to HOLY FAMILY LOAN CENTER
    We offer loans to individuals around the globe.
    Our loan offer is available for people with bad credit and
    without placing any collateral to secure a loan,

    We offer the various type of loans to individuals ---

    Personal loans
    Refinance loans
    Investor loans
    Auto Loans
    Debt consolidation loans
    Business Loans
    International Loans


    REGARDS
    MATILDA WILLIAMS
    www.holyfamilyloancenter.webs.com
    EMAIL ADDRESS-------[holyfamilyloancenter@gmail.com]
    HOLY FAMILY LOAN CENTER

    ReplyDelete
  51. HOLY FAMILY LOAN CENTER
    EMAIL ADDRESS----[holyfamilyloancenter@gmail.com]
    HEAD OFFICE ------Southwell Park Road Camberley, United Kingdom
    -----------------------------------------------------

    Welcome to HOLY FAMILY LOAN CENTER
    We offer loans to individuals around the globe.
    Our loan offer is available for people with bad credit and
    without placing any collateral to secure a loan,

    We offer the various type of loans to individuals ---

    Personal loans
    Refinance loans
    Investor loans
    Auto Loans
    Debt consolidation loans
    Business Loans
    International Loans


    REGARDS
    MATILDA WILLIAMS
    www.holyfamilyloancenter.webs.com
    EMAIL ADDRESS-------[holyfamilyloancenter@gmail.com]
    HOLY FAMILY LOAN CENTER

    ReplyDelete
  52. Hello everyone my name is Timothy candy, am here to testify how i was scammed by various loan lender from this site.I was in need of a loan and i applied from various loan lenders from this very site.They asked me to pay some amount of money at different basis but i never get my loan.This was how i lost the sum of 5000USD .I was now in debt because i borrowed the money from a friend.One day a friend of mine introduce me to William paul.He told me how he has helped him with loan at several cases without any delay.I was scared and never believe him.He urge me to trust him,this was how i was introduce to him through his email{williamfinance@hotmail.com}.He told me he will offer me the loan that i only need to comply with them.I did as he told me and without any delay,i received my loan as he earlier promise. Am here to tell you that most of the loan lenders in this site are scammers. If you truly need a genuine loan please meet William Paul through his email williamfinance@hotmail.com.He is a registered reliable loan lender.

    ReplyDelete
  53. HERITAGE TRUST LOAN CENTER
    EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
    HEAD OFFICE--742 Harrow Road London UNITED KINGDOM
    ----------------------------------------------------
    I am MRS FLORENCE NOAH,Director and CEO of HERITAGE TRUST LOAN CENTER .

    HERITAGE TRUST LOAN CENTER is a legitimate and well known British
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    THANKS
    EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
    FLORENCE NOAH
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    HERITAGE TRUST LOAN CENTER

    ReplyDelete
  54. HERITAGE TRUST LOAN CENTER
    EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
    HEAD OFFICE--742 Harrow Road London UNITED KINGDOM
    ----------------------------------------------------
    I am MRS FLORENCE NOAH,Director and CEO of HERITAGE TRUST LOAN CENTER .

    HERITAGE TRUST LOAN CENTER is a legitimate and well known British
    approved loan lending company based in London, united kingdom.
    =====================================================================
    We offer loans to individuals as well as organizations who have
    intentions of ----

    Renovating houses and institutions,
    Debt consolidation,
    Re-financing purposes,
    Establishment of business outfits

    Interested applicants should please contact us with our email address
    [heritagetrustloancenter@gmail.com]

    THANKS
    EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
    FLORENCE NOAH
    www.heritagetrustloans.webs.com
    HERITAGE TRUST LOAN CENTER

    ReplyDelete
  55. Hello, I boxim Mr. Samson, personal loan lenders who provide loans. whether
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  56. I am a private loan lender which have all take to be a genuine lender i give out the best loan to my client at a very convenient rate.The interest rate of this loan is 3%.i give out loan to public and private individuals.the maximum amount i give out in this loan is $1,000,000.00 USD why the minimum amount i give out is 5000.for more information contact us email finance2014911@gmail.com

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    ReplyDelete
  57. HERITAGE TRUST LOAN CENTER
    EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
    HEAD OFFICE--742 Harrow Road London UNITED KINGDOM
    ----------------------------------------------------
    I am MRS FLORENCE NOAH,Director and CEO of HERITAGE TRUST LOAN CENTER .

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    HERITAGE TRUST LOAN CENTER

    ReplyDelete
  58. Hello Every One,
    I am Mrs. Elizabeth Lisa From Ohio U.S.A, I quickly want to use this medium to shear a testimony on how God directed me to a Legit and real loan lender who has transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of $5,200 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains, then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion she told me about a man called Mr Franklin Osayande Scott who is the C.E.O of Franklin osayande Scott Loan Company Email: franklinosayandescott@gmail.com So i applied for a loan sum of ($320,000.00 USD) with low interest rate of 2%, so the loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than two(2) days the loan was deposited into my bank account so i want to advice any one in need of a loan to quickly contact him through email:franklinosayandescott@gmail.com or Facebook: Franklin Osayande Scott he does not know am doing this i pray that God will bless him for the good thing he has done in my life.Thank God I can smile again I recommend this company to all those who have been misled and those who were fooled, they are reliable and trustworthy. In case you need to know more, e-mail the company on franklinosayandescott@gmail.com Email them today and you will be glad you did.

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    God Bless.

    ReplyDelete
  59. AM SO HAPPY

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  60. CHARITY LOAN ONLINE FIRM
    EMAIL ADDRESS==={charityloansonlinefirm@gmail.com}
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    REGARDS
    MRS SANDRA CHOLE
    EMAIL ADDRESS==={charityloansonlinefirm@gmail.com}
    CHARITY LOAN ONLINE FIRM

    ReplyDelete
  61. CHARITY LOAN ONLINE FIRM
    EMAIL ADDRESS==={charityloansonlinefirm@gmail.com}
    HEAD OFFICE====35-39 Inverness Terrace,London, UnitKingdom
    ==========================================================================
    welcome to CHARITY LOAN ONLINE FIRM , this is a charity online firm
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    REGARDS
    MRS SANDRA CHOLE
    EMAIL ADDRESS==={charityloansonlinefirm@gmail.com}
    CHARITY LOAN ONLINE FIRM

    ReplyDelete
  62. Greetings to you by ADIA.

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    Yours truly,
    Mrs Kristina Anderson
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    Avit Development Investment Authority(ADIA)
    501 Avenue Montaigne,75008 Paris-France
    Paris-France.Avit Development Investment Authority (ADIA)

    ReplyDelete
  63. i want to appreciate jackson west of accesscredits@yahoo.com for helping me to get an urgent loan i have being scammed total of $6,270 by different fake loan lenders and i was at a point of selling my properties to make ends meet. until i saw a post on the internet on how a friend from poland got her loan from the firm access credits loans and i also applied with same faith. and i got my loan with no stress after agreeing to the repayment terms and conditions of the firm. avoid internet scammers now! if you are in need for a loan to start up a business, car loan, medical bills, projects loans, education etc.contact the firm access credits loans via email.accesscredits@yahoo.com

    ReplyDelete
  64. We offer a variety of Financial packages at a very low interest rate, We stand apart from other lenders because we believe in customer service, We offer the right solution to your financial needs.In general we are FINANCE COMPANY, We offer loan at 3% interest rate ranging from $2,000 to $10,000,000. Commercial loans, business loans, home loans,car loans and debt consolidation loan are available for you. Contact us for more information via E-MAIL:MIKELARRYLOANFIRMWORLDWIDE@YAHOO.COM

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    ReplyDelete
  65. HOW I GOT MY LOAN FROM THIS GREAT COMPANY

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  66. Hello everyone my name is Clency Dexter, am here to testify how i was scammed by various loan lender from this site.I was in need of a loan and i applied from various loan lenders from this very site.They asked me to pay some amount of money at different basis but i never get my loan.This was how i lost the sum of $5000USD .I was now in debt because i borrowed the money from a friend.One day a friend of mine introduce me to DANIEL SILVA . He told me how he has helped him with loan at several cases without any delay.I was scared and never believe him.He urge me to trust him,this was how i as introduce to him through his email{ danielsilva_investment@hotmail.com }.He told me he will offer me the loan that i only need to comply with them.I did as he told me and without any delay,i received my loan as he earlier promise.Am here to tell you that most of the loan lenders in this site are scammers. If you truly need a genuine loan please meet DANIEL SILVA through his email : danielsilva_investment@hotmail.com . He is a registered reliable loan lender.

    ReplyDelete
  67. Greetings to you by ADIA.

    We are a France-Paris based investment company known as Avit
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    Looking forward hearing from you soonest.

    Yours truly,
    Mrs Kristina Anderson
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    Avit Development Investment Authority(ADIA)
    501 Avenue Montaigne,75008 Paris-France
    Paris-France.Avit Development Investment Authority (ADIA)

    ReplyDelete
  68. Do you need a quick long or short term loan with a relatively low interest rate as low as 3%? We offer Xmas loan, business loan, personal loan, home loan, auto loan,student loan, debt consolidation loan e.t.c. no matter your score, If yes contact us via Email: finance2014911@gmail.com Fill The Loan Application Form Below Name............ Amount Needed........ Duration.......... Country............ Monthly income....... Age............. Phone Number........ Sex ................. Email................Business Plan/Use Of Your Loan:....... Apply now on this email :finance2014911@gmail.com Warm Regards Dr Purva Sharegistry

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  69. My name is lewis Edward, I live in california U.S.A and i am a happy man today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them. He gave happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as a single parents with 3 kids, I meant this honest and GOD fearing loan lender online Mr DAVID MORRISON that helped me with a loan of $250,000.00 U.S. Dollar, He is indeed GOD fearing man, working with a reputable loan company.

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  70. Welcome To Dr. Powell Garcia Loan Service…
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  71. Good-Day:

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  72. GET YOUR LOAN INTO YOUR BANK ACCOUNT WITHIN 24HR CONTACT US

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  73. DO YOU NEED URGENT LOAN?APPLY NOW


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  74. DO YOU NEED A LOAN TO START A BEFITTING NEW YEAR!!!!!!

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  75. Contact Name: SILKE CHRISTA CERVENY

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  76. We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions.

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  77. Get a Loan Today At 3% Interest Rate, contact us at:stellamorrisloanfirm@gmail.com

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    ReplyDelete
  78. WE OFFER ALL KIND OF LOANS – APPLY FOR AFFORDABLE LOANS.

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    ReplyDelete
  79. WE OFFER ALL KIND OF LOANS – APPLY FOR AFFORDABLE LOANS.

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    ReplyDelete
  80. LOAN OFFER!!!

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    ReplyDelete