Tuesday, April 14, 2015

Accelerated Reader research misses the point, again


Accelerated Reader research misses the point, again
Stephen Krashen April, 2015

Still another study has been published claiming that Accelerated Reader (AR) works (Shannon, Styers, Wilkerson, and Peery, 2015).  And once again, the study fails to provide a real comparison group. *

All we are told is that the comparison group had "traditional" instruction that included independent reading, but we have no idea of how much reading time was set aside.  Those in the AR group (grades 1 through 4) averaged more than 30 minutes per day self-selected reading over 24 weeks "as a supplement to their core reading program" (p. 24).  ("Classrooms in both the treatment and comparison condition had the same amount of class time devoted to reading and language arts instruction" p. 24).

As pointed out elsewhere (Krashen, 2003, 2004, 2005, 2007), it is no surprise that AR produces gains in reading achievement. The important question is whether the tests and awards contribute to these gains. To determine this, AR needs to be compared not with traditional programs, but with programs in which equal time is spent in self-selected reading, without the AR tests and prizes.  This has not yet been done.

*The study was paid for by Renaissance Learning, the parent company of Accelerated Reader.


References

Krashen, S. (2003). The (lack of) experimental evidence supporting the use of accelerated reader. Journal of Children’s Literature, 29 (2), 9,16-30.
Krashen, S. (2004). A comment on Accelerated Reader: The pot calls the kettle black. Journal of Adolescent and Adult Literacy 47(6): 444-445.
Krashen, S. (2005). Accelerated reader: Evidence still lacking. Knowledge Quest, 33(3), 48-49.
Krashen, S. (2007). Accelerated reader: Once again, evidence still lacking. Knowledge Quest 36 September/October. Available at: http://www.ala.org/aasl/aaslpubsandjournals/knowledgequest/kqwebarchives/v36/361/361krashen
Shannon, L. C., Styers, M. K., Wilkerson, S. B., & Peery, E. 2015. Computer-assisted learning in elementary reading: A randomized control trial. Computers in the Schools 32(1): 20-34




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    Address ................

    State ..............

    Age ..............

    You have applied before or not. .............

    Status ..............

    Loan amount needed. ..................

    Loan period ................

    Occupation.................

    Monthly Income ...............

    In recognition of these details we will send you our agreement with the repayment schedule, and if you agree to the Terms and Conditions, you stand to get your loan within 24 hours, depending on the severity and urgency,and trust.
    I am waiting for your quick response.

    Yours truly

    Micheal Benson

    ReplyDelete
  19. Attention,
    Apply for a quick and convenient loan to pay off bills, Xmas loan, Mortgage loan, Consolidation loan and to start a new business or re-financing your projects at a cheapest interest rate of 3%. Do contact us today via: Henryclark003@gmail.com with loan amount needed.
    We are certified, registered and legitimate lender.
    You can contact us today if you are interested in getting this loan, contact us for more information about the loan process, process like the loan terms and conditions and how the loan will be transferred to you. We need your urgent response if you are interested.

    First Information Needed From You:

    Full Names:…………
    Country:…………...
    State/Province:……………
    Tele Phone Number:…………
    Duration:…………
    Amount Needed as Loan:………..
    House Address/Office Address:..........
    Occupation:............
    Monthly Income:……….
    Marital Status:………..
    Age/Gender:…………..
    Loan Purpose:…………..
    Have you applied for a loan before? (YES) Or (NO):...


    NOTE: All Responses should be forwarded to:
    HENRYCLARK003@GMAIL.COM
    for quick
    processing.
    Thank You.

    C.E.O/ Henry Clark.

    ReplyDelete
  20. TAKE A LOAN @ 2% INTEREST RATE

    Do you need a loan? if yes
    *Get a loan to start and complete your project.
    *Do you need a loan to pay off your debt?
    *Do you have bad credit or to invest?
    *Do u you need loan to start doing business? if yes
    MARIAH AUSTIN TRUST LOAN FIRM, are Granting you personal loan, Construction loan, Debt loan, Student loan. loan is range from $10.000 ''min'' to ''max'' (in millions) @ 2% interest rate. If you are interested kindly
    send response to: mariahaustin@hotmail.com

    LOAN APPLICATION
    Your name*
    Your email *
    Your telephone number *
    Your address *
    country *
    Sex *
    Loan Amount Needed *
    Loan Duration *
    Purpose of Loan *
    Occupation*
    Monthly Income*
    Send me a scanned copy of your ID: *

    *Awaiting your Response:----

    mariahaustin@hotmail.com
    Best Regard
    MARIAH AUSTIN

    ReplyDelete


  21. Good day,
    Are you in need of Urgent loan.. Do you want to clear your
    debt, expansion of business, personal loan :you can contact
    us for your fast and reliable loan at low interest rate of
    3% and affordable repayment plan wit good credit
    conditions. Email so: oscarfinanceloanfirm05@hotmail.com. to borrow today.

    Sincerely,
    oscar irwin

    ReplyDelete
  22. Hello Every One, I am mrs Matinez, I quickly want to use this medium to shear a testimony on how God directed me to a Legit and real loan lender who have transformed my life from grass to grace, from being poor to a rich man 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 Harry Jordan who is the C.E.O of Harry Jordan Loan Company So i applied for a loan sum of (320,000.00USD) 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 via: (harryjordanloanfirm@gmail.com) he does not know am doing this i pray that God will bless him for the good thing he has done in my life.

    ReplyDelete
    Replies
    1. We are a Certified Financial Institution approving funds for all kinds of project. Our loan/financial offer is given at a low interest rate of 2% and it's repayment duration is very friendly and customer convenient.
      Repayment period is within 12 to 120 months with an initial 6-12 months grace period with no re-payment penalty.
      We approve a funding for up to $100 Million and above depending on the nature of business.
      We are currently funding for Existing businesses with existing management team, with major work on Energy, Contract Execution, Commercial Real Estate Purchase, Business Expansion, Transportation, Technology, Healthcare , pay rent, taxes, buy cars etc.
      We are open to having a good business relationship with you as our financial scheme is very flexible and customer convenient.
      If you think you have a solid background and idea of making good profit in any venture, please do not hesitate to contact us for possible business co-operation.
      If you are interested in this offer, kindly contact us via email to receive our Funding Terms and Conditions. (sydneyloanfirm@yahoo.com)

      Wishing you all the best!!!

      Delete
    2. HOW I GOT MY LOAN (Lexieloancompany@yahoo.com)!!!

      My Name is Nicole Marie, I live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life, As i am a struggling mum with two kids and i have been going through a serious problem as my husband encountered a terrible accident last two weeks, and the doctors stated that he needs to undergo a delicate surgery for him to be able to walk again and i could not afford the bills for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i ran to my father and he was not able to help me, then when i was browsing through yahoo answers i came across a God fearing man (Mr Martinez Lexie) who provides loans at an affordable interest rate and i have been hearing about so many scams on the Internet mostly Africa, but at this my desperate situation, i had no choice than to give it an attempt due to the fact that the company is from United State of America, and surprisingly it was all like a dream, i received a loan of $82,000.00 USD and i payed for my husband surgery and thank GOD today he is ok and can walk, my family is happy and i said to myself that i will shout to the world the wonders this great and God fearing Man Mr Martinez Lexie did for me and my family; so if anyone is in genuine and serious need of a loan do contact this GOD fearing man via Email: ( Lexieloancompany@yahoo.com ) or through the Company website: http://lexieloans.bravesites.com OR text: +18168926958 thanks


      Delete

  23. Good day Audience,

    I am Carolyn V. Metnick , from Ohio USA, i want to use this great medium to announce this lender Elvin Morrison who is really a God sent to my family. few months back i was in search of a loan form the internet where i was scammed of $3250.00, i never thought i will ever apply for a loan on the internet again before i met a post about this lender made by one Maury who also got a loan from them, then i took a try again, after loan processing i was ask to provide my banking details which i did and to my greatest surprise i was granted a loan of $45,000.00 at first i thought it was a joke until i got to the bank to confirm and it was true, i was overwhelmed with joy. so i want you all who desire a loan and are capable of paying back the funds at the due time to contact: elvinloancompany@yahoo.com or on our web page http://elvinloancompany.bravesites.com and be a partaker of my testimony ....

    ReplyDelete
    Replies
    1. We are a Certified Financial Institution approving funds for all kinds of project. Our loan/financial offer is given at a low interest rate of 2% and it's repayment duration is very friendly and customer convenient.
      Repayment period is within 12 to 120 months with an initial 6-12 months grace period with no re-payment penalty.
      We approve a funding for up to $100 Million and above depending on the nature of business.
      We are currently funding for Existing businesses with existing management team, with major work on Energy, Contract Execution, Commercial Real Estate Purchase, Business Expansion, Transportation, Technology, Healthcare , pay rent, taxes, buy cars etc.
      We are open to having a good business relationship with you as our financial scheme is very flexible and customer convenient.
      If you think you have a solid background and idea of making good profit in any venture, please do not hesitate to contact us for possible business co-operation.
      If you are interested in this offer, kindly contact us via email to receive our Funding Terms and Conditions. (sydneyloanfirm@yahoo.com)

      Wishing you all the best!!!

      Delete
  24. do you need an urgent loan if yes via email mrsjulietloancompany00@gmail.com
    i want you to know that we offer good loan in 3% rate apply now and get your loan

    ReplyDelete
  25. attention!!!
    i am Mrs juliet johnson a private loan lender. we are given out all kinds of loan, we give out loans at a low interest rate of 3% and good working conditions, if you need a loan then you are advised to contact us for we render quality services that will make you satisfied. email: mrsjulietloancompany00@gmail.com

    we render all kinds of loan in good services, contact us via email: mrsjulietloancompany00@gmail.com
    Thanks
    Mrs juliet johnson

    ReplyDelete
  26. We are a Certified Financial Institution approving funds for all kinds of project. Our loan/financial offer is given at a low interest rate of 2% and it's repayment duration is very friendly and customer convenient.
    Repayment period is within 12 to 120 months with an initial 6-12 months grace period with no re-payment penalty.
    We approve a funding for up to $100 Million and above depending on the nature of business.
    We are currently funding for Existing businesses with existing management team, with major work on Energy, Contract Execution, Commercial Real Estate Purchase, Business Expansion, Transportation, Technology, Healthcare , pay rent, taxes, buy cars etc.
    We are open to having a good business relationship with you as our financial scheme is very flexible and customer convenient.
    If you think you have a solid background and idea of making good profit in any venture, please do not hesitate to contact us for possible business co-operation.
    If you are interested in this offer, kindly contact us via email to receive our Funding Terms and Conditions. (sydneyloanfirm@yahoo.com)

    Wishing you all the best!!!

    ReplyDelete
  27. Hello, do you need a genuine loan to pay your bills or solve any financial problems, kindly contact me now via email: rbinvestment11@outlook.com
    We offer all kinds of loan.
    thanks

    Here is an opportunity for those in financial problems and those who want financial uplift in their life,we give out all kinds of loans to help the needing from financial stress, Many are suffering and needs help to improve their life status, many are jobless and need financial help to start a business, many needs financial help to clear their bills and debt,Here is a wise decision for you now,If you are in need of a genuine loan we can help you.I am certified,registered and legit lender. kindly contact us now via email: rbinvestment11@outlook.com, rbinvestment12@outlook.com


    ReplyDelete
  28. Good day Audience,

    I am Carolyn V. Metnick , from Ohio USA, i want to use this great medium to announce this lender Elvin Morrison who is really a God sent to my family. few months back i was in search of a loan form the internet where i was scammed of $3250.00, i never thought i will ever apply for a loan on the internet again before i met a post about this lender made by one Maury who also got a loan from them, then i took a try again, after loan processing i was ask to provide my banking details which i did and to my greatest surprise i was granted a loan of $45,000.00 at first i thought it was a joke until i got to the bank to confirm and it was true, i was overwhelmed with joy. so i want you all who desire a loan and are capable of paying back the funds at the due time to contact: elvinloancompany@yahoo.com or on our web page http://elvinloancompany.bravesites.com and be a partaker of my testimony ....

    ReplyDelete
  29. Attention Loan Applicant,

    Welcome to ANDREA SMITH'S FINANCING INC. as part of its welfare package is offering a business and personal loan offer with an interest rate of 3% without no credit check. This is to help people achieve their financial objectives.Interested people should email us on andreasmithfinancialloanfirm@gmail.com


    * Personal Loan (unsecured)
    * Business Loan (Unsecured)
    * Loan Debt Consolidation
    * Improve your home

    APPLICATION:

    1) Name:
    2) Prefix (Mr., Mrs., (MS).
    3) Name:
    4) Last Name:
    5) Address:
    6) Country:
    7) Status:
    8) Phone Number:
    9) Mobile:
    10) Occupation:
    11) Amount Needed as Loan:
    12) Duration of loan:
    13) The purpose of the loan:
    14) Have you applied before:

    All responses should be sent to: E-mail:andreasmithfinancialloanfirm@gmail.com loan interest rate of 3% without any additional warranty. This is to help people achieve their financial objectives.Interested people should email us on andreasmithfinancialloanfirm@gmail.com Once we receive the request, then we will process your loan application for approval

    Sincerely,
    Mr. Andrea Smith
    Announcer

    ReplyDelete
  30. Hello Everybody,

    TESTIMONY ON HOW I GOT A LOAN TO CHANGE THE BROKE LIFE OF MY FAMILY

    My name is Lynn Sato. I live in USA Florida and i am a happy woman today? I told my self that any Loan lender that could change my Broke Life and that of my family, i will refer any person that is looking for loan to Them.
    They 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 widow with 3 kids I meant this honest and GOD fearing loan lending company online that helped me with a loan of $250,000.00 U.S. Dollar, They are indeed GOD fearing People, working with a reputable loan company.
    If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs, Lynn referred you to them.

    contact via E_mail: urgentloan.investment@outlook.com
    contact via E_mail: Rodneyloan_finance@yahoo.com

    ReplyDelete

  31. Good day,
    Are you in need of Urgent loan.. Do you want to clear your
    debt, expansion of business, personal loan :you can contact
    us for your fast and reliable loan at low interest rate of
    3% and affordable repayment plan wit good credit
    conditions. Email so: oscarfinanceloanfirm05@hotmail.com. to borrow today.

    Sincerely,
    oscar irwin

    ReplyDelete
  32. FAST CLOSE DEAL FOR ANY TYPE OF LOAN APPLY TODAY !! @ ICC Mortgage And financial Services, Is a sincere and certified private Loan
    company approved by the Government, we give out international and local loans to all countries in the world,Amount given out $2,500 to $100,000,000 Dollars,

    Euro and Pounds.We offer loans with a dependable guarantee to all of our clients. Our loan interest rates are very low and affordable with a negotiable

    duration.Available now MORTGAGE, PERSONAL, TRAVEL, STUDENT, EXPANSION OF BUSINESS AND NEW UNSECURED, SECURE, CONSOLIDATE Apply for a loan today with your

    loan amount and duration, Its Easy and fast to get. 4% interest rates and monthly installment payments.FOR MORE INFORMATION: Email us at

    appraisalsiccmortgage@gmail.com

    Thanks

    Jason rappaport

    ReplyDelete

  33. Are you seeking for a legitimate lender from the internet? My name is Kathie Smith, United State.please i want to advice you to beware of loan from the China and any part of Malaysia because they are all scammers. I have been scammed over 6 times until i came across a loan company from United State. They are so wonderful and serious minded company. I would advice you contact them if you are in need of loan of any kind(personal or business) because i got a loan from them without any stress after meeting their requirement. Their contact info is: http://www.dennishopkinsfinancehome.com/ or dennishopkins_financehome@live.com or dennishopkins69@yahoo.com Tel: USA +12404374240 Skype ID:roger.n.william

    ReplyDelete

  34. Are you seeking for a legitimate lender from the internet? My name is Kathie Smith, United State.please i want to advice you to beware of loan from the China and any part of Malaysia because they are all scammers. I have been scammed over 6 times until i came across a loan company from United State. They are so wonderful and serious minded company. I would advice you contact them if you are in need of loan of any kind(personal or business) because i got a loan from them without any stress after meeting their requirement. Their contact info is: http://www.dennishopkinsfinancehome.com/ or dennishopkins_financehome@live.com or dennishopkins69@yahoo.com Tel: USA +12404374240 Skype ID:roger.n.william

    ReplyDelete
  35. Hello Everybody,

    TESTIMONY ON HOW I GOT A LOAN TO CHANGE THE BROKE LIFE OF MY FAMILY

    My name is Lynn Sato. I live in USA Florida and i am a happy woman today? I told my self that any Loan lender that could change my Broke Life and that of my family, i will refer any person that is looking for loan to Them.
    They 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 widow with 3 kids I meant this honest and GOD fearing loan lending company online that helped me with a loan of $250,000.00 U.S. Dollar, They are indeed GOD fearing People, working with a reputable loan company.
    If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs, Lynn referred you to them.

    contact via E_mail:

    urgentloan.investment@outlook.com
    contact via E_mail:Rodneyloan_finance@yahoo.com

    ReplyDelete
  36. Hello,

    Do you need a loan for business and private purposes? .if yes,apply now with your details

    1.Full Name: 2.Sex: 3.Age: 4.Phone: 5.Fax: 6.Country: 7.Amount needed:
    8.Duration Period:

    contact us at (s.williams222@outlook.com) with your application.
    We look forward to your prompt response.

    ReplyDelete
  37. Are you a business man or woman? Are you in financial mess or do you need funds to start your own business? Need a loan to pay off their debts or pay your bills or start a nice business? Do you have a low credit score and you will find it difficult to get loans from banks / other financial institutions? You need a loan or funding for any reason such as: E-mail: ptlenders@yahoo.com

    a) Personal Loan, Business Expansion,
    b) Business Start-up, Education,
    c) Debt Consolidation,
    d) Hard Money Loans

    We offer loans at interest rates lower than 2% and with no guarantees and collateral, we offer personal loans, debt consolidation loans, venture capital, business loans, education loans, mortgage or loan for any reason ".

    However, our method offers the possibility to determine the amount of loan needed and also the duration you can afford it, gives you a real chance to get the funds you need!

    Contact us via Email: ptlenders@yahoo.com
    Bacon Tasha Elizabeth®

    ReplyDelete
  38. How I Got My Loan Today


    Hello everyone,

    I am Matt Sato Corkerin by name, am writing this Testimony because am really grateful for what FIDELITY BANK did for me and my family, when I thought there was no hope he came and make my family feel alive again by lending us loan at a very low interest rate of 2%. Well I have been searching for a loan to settle my debts for the past three months all I met scammed and took my money until I finally met a God sent Lender. I never thought that there are still genuine loan lenders on the internet but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would advise you to email the legit loan company via email: { fidelitybankloanoffer4@gmail.com} and be free of internet scams. thanks… Matt Sato Corkerin from California, USA.

    E_mail: fidelitybankloanoffer4@gmail.com

    E_mail: mikekenfundsoffer@hotmail.com

    web: www.:quickloanhelp.webs.com

    ReplyDelete
  39. Hello everyone my name is Michelle Forbes, 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 35000USD .I was now in debt because i borrowed the money from a friend.
    One day a friend of mine introduce me to Dennis Hopkins.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 dennishopkins_financehome@live.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 Dennis Hopkins through his Website:http://www.dennishopkinsfinancehome.com/ or dennishopkins_financehome@live.com or dennishopkins69@yahoo.com Tel: USA +12404374240 Skype ID:roger.n.william .He is a registered reliable loan lender.

    ReplyDelete
  40. Hello everyone my name is Michelle Forbes, 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 35000USD .I was now in debt because i borrowed the money from a friend.
    One day a friend of mine introduce me to Dennis Hopkins.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 dennishopkins_financehome@live.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 Dennis Hopkins through his Website:http://www.dennishopkinsfinancehome.com/ or dennishopkins_financehome@live.com or dennishopkins69@yahoo.com Tel: USA +12404374240 Skype ID:roger.n.william .He is a registered reliable loan lender.

    ReplyDelete
  41. 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 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
  42. Hello to all my viewers in the world my name is Elizabeth Henderson, I am from the New Arizona,United State, am here to testify of how i got a loan of ($150,000usd) from Mr birry lapocompany after i applied 5 times in my country from various loan lenders who claimed to be lenders they all fail me without give me the loan,i thought their genuine lender in my country where i can real applied but they never gave me loan until a friend of mine introduce me to Mr birry lapo company the l.a.p who promised to help me with a loan of my desire and he really did it as he promised without any form of delay, I never know thought there are still reliable loan lenders until i met Mr birry company, who really helped me with my loan and changed my life for the better now.I don't know if you are in need of loan. So you are feel free to contact Mr birry he offer loan to individual and public sector and certified them in a low interest rate of 2%. Bad credit acceptable with any individual and public sector that are in need of financial Assistance it dose not matter were he live all you need is money and is very genuine company. thank you for reading my massage from Elizabeth Henderson you can email via for your own help birrylapomicrofinancebank@gmail.com

    ReplyDelete

  43. FAST CLOSE DEAL FOR ANY TYPE OF LOAN APPLY TODAY !! @ ICC Mortgage And financial Services, Is a sincere and certified private Loan company approved by the Government, we give out international and local loans to all countries in the world,Amount given out $2,500 to $100,000,000 Dollars, Euro and Pounds.We offer loans with a dependable guarantee to all of our clients. Our loan interest rates are very low and affordable with a negotiable duration.

    Available now

    MORTGAGE, PERSONAL, TRAVEL, STUDENT, EXPANSION OF BUSINESS AND NEW UNSECURED, SECURE, CONSOLIDATE
    Apply for a loan today with your loan amount and duration, Its Easy and fast to get. 4% interest rates and monthly installment payments.

    FOR MORE INFORMATION:

    Juan jones
    Email: juan.jones59@yahoo.com

    ReplyDelete
    Replies
    1. FINANCIAL EMPOWERMENT AVAILABLE NOW, APPLY FOR LOAN WITH 2% INTEREST RATE

      Are you going through financial difficulty or you are in any financial mess,and you need funds to start up your own business,or you need loan to settle your debt or pay off your bills,start a nice business,or you are finding it hard to obtain capital loan from local banks,contact us today for 2% interest rate via Email address: ( richardbrownservices34@gmail.com ) do not let these opportunity pass you by. Please these is for serious minded People,fill the form below and get back to us.

      LOAN APPLICATION FORM
      Name :
      Address :
      Country :
      Occupation :
      Loan Amount Needed :
      Purpose of loan :
      Monthly Income :
      Phone Number :
      LOAN DURATION :
      SCAN COPY OF YOUR ID :

      Kindly get back to us through our e-mail_ ( richardbrownservices34@gmail.com )

      (Regards)
      CEO/Mr. Richard Brown.
      DIRECTOR/ CEO: Mr. Richard Brown.
      ============================== ....,,

      Delete
    2. HOW I GOT MY LOAN (Lexieloancompany@yahoo.com)!!!

      My Name is Nicole Marie, I live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life, As i am a struggling mum with two kids and i have been going through a serious problem as my husband encountered a terrible accident last two weeks, and the doctors stated that he needs to undergo a delicate surgery for him to be able to walk again and i could not afford the bills for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i ran to my father and he was not able to help me, then when i was browsing through yahoo answers i came across a God fearing man (Mr Martinez Lexie) who provides loans at an affordable interest rate and i have been hearing about so many scams on the Internet mostly Africa, but at this my desperate situation, i had no choice than to give it an attempt due to the fact that the company is from United State of America, and surprisingly it was all like a dream, i received a loan of $82,000.00 USD and i payed for my husband surgery and thank GOD today he is ok and can walk, my family is happy and i said to myself that i will shout to the world the wonders this great and God fearing Man Mr Martinez Lexie did for me and my family; so if anyone is in genuine and serious need of a loan do contact this GOD fearing man via Email: ( Lexieloancompany@yahoo.com ) or through the Company website: http://lexieloans.bravesites.com OR text: +18168926958 thanks



      Delete

  44. MY TESTIMONY FROM A LEGITIMATE MONEY LENDER
    My name is Dorene Zeller, I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dennis Hopkins Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service.Website: http://www.dennishopkinsfinancehome.com/ Email:dennishopkins_financehome@live.com or dennishopkins69@yahoo.com or Tel: USA +12404374240 Skype ID:roger.n.william .He is a trust worthy man.

    ReplyDelete

  45. MY TESTIMONY FROM A LEGITIMATE MONEY LENDER
    My name is Dorene Zeller, I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dennis Hopkins Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service.Website: http://www.dennishopkinsfinancehome.com/ Email:dennishopkins_financehome@live.com or dennishopkins69@yahoo.com or Tel: USA +12404374240 Skype ID:roger.n.william .He is a trust worthy man.

    ReplyDelete
  46. DO YOU NEED A LOAN?

    Are you a business man or woman? Are you in a financial mess or do You need funds to start your own business? Need to pay loans Their Debt or pay off your bills or start a nice business? Do you have a low credit score and you will find it hard to get Capital loan from local banks / other financial institutions? You need one Loan or funding for any reason such as:Email: barbarajohn290@gmail.com

    a) Personal Loan, Business Expansion,
    b) Business Start-up, Education,
    c) Debt Consolidation,
    d) Hard Money Loans

    We offer loan at low interest rate of 2% and with collateral and not Collateral, we offer personal loans, debt consolidation loans, venture capital Capital, business loan, education loan, mortgage or Loans for any reason".

    However, our method offers the possibility to specify the amount of the loan needed and also the duration you can afford it, gives you a real Chance get the funds you need!

    Contact us via E-mail: barbarajohn290@gmail.com

    Mrs Barbara Johnson

    ReplyDelete
  47. your loan problems might be, here comes your help as we offer loans to both individuals and firms at low and affordable interest rate of 2% Processed within 24 hours.and a repayment duration period of 1 year to 10 years to any part of the world.We give out loans within the range of 5,000 to 100,000,000 USD Just for only one fee, which is the Registration fee while the company will be paying all other fees, Any loan company asking for more than one fee is a scam and beware of that company. Our loans are well insured and maximum security is our priority.contact us today at(harry50loanfirm@gmail.com) where your needs are meet and your worries are over.
    YOUR DETAILS BELOW
    Full Name ...........
    Location ............
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  48. FINANCIAL EMPOWERMENT AVAILABLE NOW, APPLY FOR LOAN WITH 2% INTEREST RATE

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  49. Attention!!!
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  50. Hello am Kathy Tolliver by name and from Austin Texas, am here to testify how i got my loan from Mrs Rose Hannah 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 Mrs Rose Hannah who promised to help me and indeed she did as she promised without any form of delay.I never thought there are still reliable loan lenders until i met Mrs Rose Hannah ,who are indeed helped with the loan and changed my belief.I dont know if you are in any way in need of a genuine and urgent loan,free feel to contact Mrs Rose Hannah via her email, roseloancompany@yahoo.com

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  51. DIRECT SERVICE ONLINE FIRM
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  52. Do not use all of these Private Money Lender here.They are located in Nigeria, Ghana ,Turkey, France and Israel.My name is Margret Buchan, I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?contact Morris And Company Trust Fund Limited he help me with a loan of $800.000 some days ago after been scammed of $12000 from a woman claiming to be a loan lender but i thank God today that i got my loan worth $800.000.Feel free to contact the company for a genuine financial service.Website: www.morristrustfundlimited.com Email:morristrustfundlimited@hotmail.com USA Florida +18503666201

    ReplyDelete
  53. How I Got My Loan From A Genuine And Reliable Loan Company

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    ReplyDelete
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  55. Welcome To Dr. Powell Garcia Loan Service…
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    ReplyDelete
  56. Hello Everybody,
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    BORROWERS APPLICATION DETAILS


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    ReplyDelete
  57. Welcome To Dr. Powell Garcia Loan Service…
    Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve.

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    ReplyDelete
  58. Hello Every One, I am mrs Jeff Chandler From Alaska U.S.A, I quickly want to use this medium to share a testimony on how God directed me to a Legit and real loan lender who have 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 $7,556, 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 he told me about a Gos sent man called Mr Ben Davies who is the C.E.O of Ben Davies Loans So i applied for a loan sum of ($85,000.00) 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) working days the loan was deposited into my bank account, so i want use this medium to also advice any one that need from a reputable loan to quickly contact him via: ( bendaviesloanfirm@yahoo.com) he does not know am doing but i do know i have to share my story.

    ReplyDelete

  59. Do not use all of these Private Money Lender here.They are located in Nigeria, Ghana ,Turkey, France and Israel. I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?contact Morris And Company Trust Fund Limited they are located in Canada. he help me with a loan of $800.000 some days ago after been scammed of $12000 from a woman claiming to be a loan lender but i thank God today that i got my loan worth $800.000.Feel free to contact the company for a genuine financial service (morristrustfundlimited@hotmail.com) Canada +1-647-739-3756

    ReplyDelete
  60. I want to thank Julia Navaro for the loan given to me by her loan company NAVARO LOAN COMPANY. Needed a loan to start a my boutique and didn't know how to get a loan until I was introduce to NAVARO LOAN COMPANY by a friend online and she approved my loan of $300,000 with minimum income of $10 and now am a successful woman. If you need any type of loan from any country and of any amount at an interest rate of 2% contact Julia Navaro at
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    ReplyDelete
  61. HOW I GOT MY LOAN (Lexieloancompany@yahoo.com)!!!

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    ReplyDelete
  62. Welcome To Dr. Powell Garcia Loan Service…
    Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve.

    Our loans Are well insured for maximum security is our priority, Our leading goal is to help you get the service you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose – from vacations, to education, to unique purchases

    We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans,car loans, hotel loans, student loans, personal loans Home Refinancing Loans with low interest rate @2% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme.

    Interested applicants should Contact us via email: (dr.powellgarcialoans@gmail.com)

    ReplyDelete

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    ReplyDelete
  64. Are you INTERESTED in a genuine, fast, reliable LOANS with no hidden fees from a private lender? Just 3.0% p.a, tailored with a flexible repayment schedule to meet the borrower's need and also a grace period of up to 12 - 36 months.

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  65. Hello my name is Evelyn, yesterday i applied for a Christmas loan from Capital Funding, and the same day i applied i receive my loan in my BOA Bank account so i will advise people out there that need Christmas loan for the kids should apply from the company because they are Legitimate and guarantee loan company email: (vivaloancompanies@gmail.com ) for more details.

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  66. Testimony”” You should not miss this opportunity [My name is Mrs. Gloria Banty. I live in Texas United State Of America and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to Them,They gave me happiness and my family.I was in need of a loan of $90,000.00 to start my life all over again as i am a single mother with 3 kids. I have been searching for a loan to settle my debts for the past three months all I met is scammed and took my money until I finally met a God sent Lender. I never thought that there are still genuine loan lenders on the internet but to my greatest surprise i got my loan without wasting much time.I met this honest and GOD fearing loan company that help me with a loan of $90,000.00US Dollars. If you are in need of loan to solve your problems and you will pay back the loan please contact Viva Loans now tell them that is Mrs.Gloria Banty that refer you to Them. Contact VIVA LOANS now , via email: ( vivaloansltd@gmail.com )

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  67. We offer private, commercial and personal loans with very low annual interest rates as low as 2% in one year to 50 years repayment period anywhere in the world. We offer loans ranging from $ 5,000 to USA $ 100 million.
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    ReplyDelete
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