Saturday, December 26, 2020

Random thoughts: Investment Plan 2021

 This part of investment journey ahead is likely to be my weakest link, monitoring and documentation. In my work, I am quite weak in documentation and monitoring of the effectiveness of various programs or ideas I had, the only exception perhaps is my pupils' exam competence, although I do not do detailed documentations, there is enough "tests" and assessments that gave me insights about their capability. 

In 2020, I went from the peak of 60% cash to 15% cash, and activated my CPF for investing several times. I have kind of done with building up my portfolio. What I need now, is monitoring, and decide when to hold, sell, and perhaps buy more. 

I have put down the various criterias I used to screen a stock. I now assigned a nummerical score to it, but I will still use it as a guideline instead of saying when the score falls by 3, I will sell. I will defintely look at the total score at least twice a year from now on. The criteria used are

1) FCF yield, above 10% given highest score (-1 to 3)

2) ROE, above 20% given highest score (-1 to 3)

3) ROIC, above 15% given highest score (-1 to 3)

4) Dividend payout rate, and yield, with 30% payout yielding more than 5% guven the highest score (0 to 2)

The above 3 criteria are what I considered as how well a company allocate it capital.

5) Quick ratio, with above 2 given highest score (-1 to 2)

6) Debt to equity ratio, with below 0.3 given highest score. (-1 to 2)

7) Stable/ deterioriating/ growing/ or volatite Gross margin and Net Margin   (-1 to 1)

The above 3 are measure of balance sheet strength and potential red flag of loss of competitiveness

Beyond point 8 are qualatative assessments, it is not rocket science but required judement or opinon

8) Overall track records

9) Adressable market expanding

10) Track record in new product execution or fruitful acquisition

*11) Industry has reached/ near bottome, with consolidation, bankruptcy, utilisation rate and product rate all at muti-years low or historical low 

12) Earning visbility over the next 1 to 2 years.

*13) Signs of turnarounds

For point 11, the question asked before even assigning a score is, is this industry at risk of obsoletion? Oil and Gas come to mind, hence I have sold off all my SembMarine. Keppel has been successful in winning orders in renewal energy, while Sembmarine aims to do the same, there is no order win yet. 

As I am tabulating the scores,  I ask myself what does a high score means? It means the weightage should be managed for those of low score. Selling if the score get lower and lower (HIgh valuation will depressed several criterias for asset allocation criteria) 

But it is really the trend of the score that matters. 

I am not done with it, and will continue to refine it.

But thus far, the companies with the highest score are:

1) ST engineering

2) YZJ and CSPC

3) Silverlake

Lowest score are 

1) Sembcorp Industries

2) Keppel 

3) Capitaland


I will also want to monitor the performance of the companies of the highest and lowest scorers to see if this evaluation makes any sense at the end of 2021


45 comments:

  1. I’m here to testify about what Dr. Omola did for me. I have been suffering from (GENITAL HERPES VIRUS) disease for the past 3 years and had constant pain and inching, especially in my private part. During the first year, I had faith in God that i would be cured someday.This disease started circulating all over my body and I have been taking treatment from my doctor, few weeks ago I came across a testimony of Mary on the internet testifying about a Man called Dr. Omola on how he cured her from 5 years HSV 2. And she also gave the email address of this man, advise anybody to contact him for help on any kind of diseases that he would be of help, so I emailed him telling him about my (HSV 2) he told me not to worry that I was going to be cured!! Well, I never doubted him I have faith he can cure me too,, Dr. Omola prepared and sent me Healing Oil, Soap, roots and herbs which I took. In the first one week, I started experiencing changes all over me, after four weeks of using his Roots/ Herbs, Oil and Soap, I was totally cured. no more inching , pain on me anymore as Dr. Omola assured me. After some time I went to my doctor to do another test behold the result came out negative. So friends my advise is if you have such disease or know anyone who suffers from it or any other disease like HPV, HBV, HIV, ALS, HBP, CANCER etc. you can contact Dr. Omola for help via dr.omolaherbalhome@gmail.com or whatsapp +2348118116254.

    ReplyDelete
  2. FINALLY FREE FROM HERPES VIRUSI thought my life had nothing to offer anymore because life became meaningless to me because I had Herpes virus, the symptoms became very severe and bold and made my family run from and abandoned me so they won't get infected. I gave up everything, my hope, dreams,vision and job because the doctor told me there's no cure. I consumed so many drugs but they never cured me but hid the symptoms inside me making it worse. I was doing some research online someday when I Came across testimonies of some people of how DR Ebhota cure them from Herpes, I never believed at first and thought it was a joke but later decided to contact him on the details provided and when I messaged him we talked and he sent me his herbal medicine and told me to go for a test after two weeks. Within 7 days of medication the symptoms disappeared and when I went for a test Lo and behold I was NEGATIVE by the Doctor Who tested me earlier. Thank you Dr Ebhota because I forever owe you my life and I'll keep on telling the world about you. If you are going through the same situation worry no more and contact DR Ebhota viadrebhotasolution@gmail. com or WhatsApp him via +2348089535482.he also special on curing 1. HIV/AIDS2. HERPES 3. CANCER 4.ALS 5. HEPATITIS B 6.DIABETES 7. HUMAN PAPILLOMAVIRUS DISEASE(HPV)8. ALZHEIMER 9. LUPUS (Lupus Vulgaris or LupusErythematosus

    ReplyDelete
  3. My health was horrible before I decided to try the Protocol Of taking Dr. Omola pure herbal mixture. I felt there was no hope for my health and I was to try the Protocol, thinking it wouldn’t work because I have visited so many hospital but same result. However, I was convinced by a Instagram friend to try the herbal medicine because I wanted to get rid of Herpes virus. The herbal mixture that was given to me was really quick and easy to take, within 2 week i was fully cured from Herpes. The herbal medicine really work and I will like to share this great doctor contact with you all email him dr.omolaherbalhome@gmail.com or WhatsApp +2348118116254 you won't regret it, i promise.

    ReplyDelete
  4. Does anyone still doubt natural herbs? I've seen the great importance of
    natural supplements and the wonderful work they have done in people's
    lives. I wonder why people still spend their money on surgery, injections
    and drugs each time they are sick. Natural herbs can cure all kinds of
    illness. My Herpes virus was totally reversed with natural herbs this year.
    Earlier this year my sister who lives in New Delhi India Purchased HSV
    herbal remedy from Dr Omola and he told her that his HSV herbal remedy only
    takes five weeks to reverse HSV completely, which she didn’t’ believe, but
    she had no choice than to purchase, because she knew COLD SORES was killing
    me slowly. When I received the herbal remedy, I only used it for five
    weeks, it was so shocking to see the outcome, all my cold sore disappeared
    and my HERPES VIRUS was fully reversed. I know it is hard to believe but am
    a living testimony, There is no harm in trying natural herbs supplements.
    Contact Dr Omola for his herbal remedy today... Email;
    dr.omolaherbalhome@gmail.com Call/Whatsapp +2348118116254 for more
    information Thanks

    ReplyDelete
  5. I’m here to testify about what Dr. Omola did for me. I have been suffering from (GENITAL HERPES VIRUS) disease for the past 3 years and had constant pain and inching, especially in my private part. During the first year, I had faith in God that i would be cured someday.This disease started circulating all over my body and I have been taking treatment from my doctor, few weeks ago I came across a testimony of Mary on the internet testifying about a Man called Dr. Omola on how he cured her from 5 years HSV 2. And she also gave the email address of this man, advise anybody to contact him for help on any kind of diseases that he would be of help, so I emailed him telling him about my (HSV 2) he told me not to worry that I was going to be cured!! Well, I never doubted him I have faith he can cure me too,, Dr. Omola prepared and sent me Healing Oil, Soap, roots and herbs which I took. In the first one week, I started experiencing changes all over me, after four weeks of using his Roots/ Herbs, Oil and Soap, I was totally cured. no more inching , pain on me anymore as Dr. Omola assured me. After some time I went to my doctor to do another test behold the result came out negative. So friends my advise is if you have such disease or know anyone who suffers from it or any other disease like HPV, HBV, HIV, ALS, HBP, CANCER etc. you can contact Dr. Omola for help via dr.omolaherbalhome@gmail.com or whatsapp +2348118116254.

    ReplyDelete
  6. How God used a herbal healing hand to heal me, I have suffered to extend of giving up until I came across a testimony of how a herbal doctor cured someone of Herpes infection, wondered if it was real until I contacted him, man with such gift should live long and touch many life’s with his herbal medicine I have been suffering from Herpes infection for long during the first year I was not myself anymore all I wanted was for the suffering to end this disease started circulate all over my body and i have been taking treatment from my doctor, on my search i saw a testimony of someone who has been healed from the infection by Dr Edidia, so I wrote to Dr. Edidia telling him about my Herpes infection he gave me reasons not to worry that i was going to be cured with his herbal medicine, well after all the procedures and remedy given to me by this man, few weeks later i started experiencing changes all over me after some time i went to my doctor to confirmed if there is still hope for me and I was tested negative thank you so much Dr Edidia you are indeed a great herbalist.contact his Email: dredidiaherbalhome@gmail.com whatsapp +2349074505296    here is my private email: bellapatos8@gmail.com    
     check website;  https://dredidiaherbalhome.wixsite.com/dredidiaherbalhome    https://dr-edidia-herbal-home.business.site/   https://dredidiaherbalhome.simdif.com/  

    ReplyDelete
  7. I want to thank Dr Ebhota, Herpes. Medicine is a good herbal medicine for the HERPES virus. I was diagnosed with the HERPES virus last month, and was looking for a solution to cure. Fortunately, I saw a testimony about how Dr Ebhota, CURE HERPES VIRUS I decided to contact Dr Ebhota,I contacted him He prepared a portion of herbal medicine and sent it to me, I started herbal medicine for my health. He gave me step by step instructions on how to apply it, when I applied it as instructed, I was cured of this deadly herpes virus within 2 weeks, now I am negative Ebhota . My brother and sister I do not know that there are so many people who have the same herpes virus, please Dr. Ebhota to help him too, and help me to thank Dr Ebhota for healing me, I am cured by Dr. Ebhota Medicine, his email Contact: drebhotasolution@gmail.com OR Cell Whatsapp Number +2348089535482. Dr Ebhota also has the cure for, psoriasis, cancer, HPV may God bless you sir for your good works.

    ReplyDelete
  8. FINALLY FREE FROM HERPES VIRUSI thought my life had nothing to offer anymore because life became meaningless to me because I had Herpes virus, the symptoms became very severe and bold and made my family run from and abandoned me so they won't get infected. I gave up everything, my hope, dreams,vision and job because the doctor told me there's no cure. I consumed so many drugs but they never cured me but hid the symptoms inside me making it worse. I was doing some research online someday when I Came across testimonies of some people of how DR Ebhota cure them from Herpes, I never believed at first and thought it was a joke but later decided to contact him on the details provided and when I messaged him we talked and he sent me his herbal medicine and told me to go for a test after two weeks. Within 7 days of medication the symptoms disappeared and when I went for a test Lo and behold I was NEGATIVE by the Doctor Who tested me earlier. Thank you Dr Ebhota because I forever owe you my life and I'll keep on telling the world about you. If you are going through the same situation worry no more and contact DR Ebhota viadrebhotasolution@gmail. com or WhatsApp him via +2348089535482.he also special on curing 1. HIV/AIDS2. HERPES 3. CANCER 4.ALS 5. HEPATITIS B 6.DIABETES 7. HUMAN PAPILLOMAVIRUS DISEASE(HPV)8. ALZHEIMER 9. LUPUS (Lupus Vulgaris or LupusErythematosus

    ReplyDelete
  9. I am here to give my testimony about Dr Ebhota who helped me.. i want to inform the public how i was cured from (HERPES SIMPLEX VIRUS) by salami, i visited different hospital but they gave me list of drugs like Famvir, Zovirax, and Valtrex which is very expensive to treat the symptoms and never cured me. I was browsing through the Internet searching for remedy on HERPES and i saw comment of people talking about how Dr Ehbota cured them. when i contacted him he gave me hope and send a Herbal medicine to me that i took for just 2 weeks and it seriously worked for me, my HERPES result came out negative. I am so happy as i am sharing this testimony. My advice to you all who thinks that there is no cure for herpes that is Not true just contact him and get cure from Dr Ebhota healing herbal cure of all kinds of sickness you may have like (1) CANCER,(2) DIABETES,(3) HIV&AIDS,(4) URINARY TRACT INFECTION,(5) CANCER,(6) IMPOTENCE,(7) BARENESS/INFERTILITY(8) DIARRHEA(9) ASTHMA(10)SIMPLEX HERPES AND GENITAL(11)COLD SOREHERPES. he also cure my friend from cervical cancer Email: drebhotasoultion@gmail.com or whatsapp him on +2348089535482

    ReplyDelete
  10. My health was horrible before I decided to try the Protocol Of taking Dr. Omola pure herbal mixture. I felt there was no hope for my health and I was to try the Protocol, thinking it wouldn’t work because I have visited so many hospital but same result. However, I was convinced by a Instagram friend to try the herbal medicine because I wanted to get rid of Herpes virus. The herbal mixture that was given to me was really quick and easy to take, within 2 week I was fully cured from Herpes. The herbal medicine really work and I will like to share this great doctor contact with you all email him dr.omolaherbalhome@gmail.com or WhatsApp +2348118116254 you won't regret it, I promise.

    ReplyDelete
  11. I’m here to testify about what Dr. Omola did for me. I have been suffering from (GENITAL HERPES VIRUS) disease for the past 3 years and had constant pain and inching, especially in my private part. During the first year, I had faith in God that i would be cured someday.This disease started circulating all over my body and I have been taking treatment from my doctor, few weeks ago I came across a testimony of Mary on the internet testifying about a Man called Dr. Omola on how he cured her from 5 years HSV 2. And she also gave the email address of this man, advise anybody to contact him for help on any kind of diseases that he would be of help, so I emailed him telling him about my (HSV 2) he told me not to worry that I was going to be cured!! Well, I never doubted him I have faith he can cure me too,, Dr. Omola prepared and sent me Healing Oil, Soap, roots and herbs which I took. In the first one week, I started experiencing changes all over me, after four weeks of using his Roots/ Herbs, Oil and Soap, I was totally cured. no more inching , pain on me anymore as Dr. Omola assured me. After some time I went to my doctor to do another test behold the result came out negative. So friends my advise is if you have such disease or know anyone who suffers from it or any other disease like HPV, HBV, HIV, ALS, HBP, CANCER etc. you can contact Dr. Omola for help via dr.omolaherbalhome@gmail.com or whatsapp +2348118116254.

    ReplyDelete
  12. HOW I GOT CURED FROM  HPV WARTS Greetings to the general public, i want to tell about how i was cured of HPV disease by a Doctor called DR MOMOH i was browsing through the Internet searching for remedy on HPV and i saw comment of people talking about how DR MOMOH cured them. I Was scared because i never believed in the Internet but i was convince to give him a try because i having no hope of been cured of HPV so i decided to contact him with his email that was listed on the comment when i contacted him he gave me hope and send a Herbal medicine to me that i took and it seriously worked for me, am a free person now without problem, my HPV result came out negative. I pray for you God will give you everlasting life, you shall not die before your time for being a sincere and great man. Am so happy, you can also contact him if you have any problem Email: dr.momoh9@gmail.com , or whatsApp him on this number +2347083724098 1. LOVE SPELL 2. ALS CURE 3. HEPATITIS B 4. HIV/AIDS CURE 5. HERPES CURE 6 SPIRITUAL HEALERS

    ReplyDelete
  13. There is a safe & effective Natural Herbal Medicine. For Total Cure Call    +2348025012866,  or email him   drrealakhigbe@gmail.com       For an Appointment with (Dr.) AKHIGBE contact him. Treatment with Natural Herbal Cure. For:Dengue Fever, Malaria. Painful or Irregular Menstruation. HIV/Aids. Diabetics. Vaginal Infections. Vaginal Discharge. Itching Of the Private Part. Breast Infection. Discharge from Breast. Breast Pain & Itching. Lower Abdominal Pain. No Periods or Periods Suddenly Stop. Women Sexual Problems. High Blood Pressure Chronic Disease. Pain during Sex inside the Pelvis. Pain during Urination. Pelvic Inflammatory Disease, (PID). Dripping Of Sperm from the Vagina As Well As for Low sperm count. Parkinson disease. Obesity, Lupus. Soreness/Injury  Cancer.  Tuberculosis.  Zero sperm count. Bacteria, Impotence Fertility,Protoplasmic, Diarrhea. Hepatitis A&B, Rabies. Asthma.  Quick Ejaculation. Gallstone, Cystic Fibrosis, Schizophrenia, Crubs, Cirrhosis,  Premature Ejaculation. Herpes. Joint Pain. Stroke. Cornelia Disease, Weak Erection. Ovarian problem,  HeartBurn, Erysipelas, Thyroid, Relapsing polychondritis,  Discharge from Penis. Bronchial Problem,  HPV.  Hepatitis A and B. STD. Smallpox, Staphylococcus + Gonorrhea + Syphilis. Heart Disease.  Pile-Hemorrhoid.rheumatism,  Impotence, thyroid, Autism, Depression,  Sepsis Bacteria,  Penis enlargement, Prostate Problem,  Waist & Back Pain.  Male Infertility and Female Infertility. Etc. Take Action Now. contact him & Order for your Natural Herbal Medicine:  +2348025012866  and email him    drrealakhigbe@gmail.com    Note For an Appointment with (Dr.) AKHIGBE.I suffered in Cancer for a year and three months dying in pain and full of heartbreak. One day I was searching through the internet and I came across a testimony of herpes cure by doctor Akhigbe. So I contacted him to try my luck, we talked and he sent me the medicine through courier service and with instructions on how to be drinking it.To my greatest surprise drinking the herbal medicine within three weeks I got the changes and I was cured totally. I don't really know how it happens but there is power in Dr Akhigbe herbal medicine. He is a good herbalist doctor.

    ReplyDelete
  14. Hello! I'm very excited to inform everyone that I'm completely cured from my HSV 1&2 recently. I have used Oregano oil, Coconut oil, Acyclovir, Valacyclovir, Famciclovir, and some other products and it's really help during my outbreaks but I totally got cured! from my HSV with a strong and active herbal medicine ordered from a powerful Traditional Healer and it completely fought the virus from my nervous system and I was tested negative after 21 days of using the herbal medicine. I'm here to let you' all know that herpes virus has a complete cure, I got rid of mine with the help of DR ODUDU a traditional Healer from west African and his herbal exploit. Contact him via email: dr.oduduherbalhome@gmail.com and his whatsapp and calling number is  +2348101571054

    ReplyDelete
  15. Herbal treatment is 100% guaranteed for Herpes cure, the reason why most people are finding it difficult to cure Herpes is because they believe on medical report, drugs and medical treatment which is not helpful to cure Herpes. Natural roots/herbs are the best remedy which can easily eradicate herpes forever for more information about Herpes cure Pls share this. I was so happy to see that my result showed up negative after taking Dr.Sandy herbal medication for my Herpes contact him via Email    dr.sandyspelltemple@gmail.com     call  Whatsapp Number +2349154145362
    FOR FIX THE FOLLOWING PROBLEMS USING POWERFUL SPELLS TO ALL ACROSS THE GLOBE ON:
    1 Cancer herbal medicine
    2 Hiv herbal medicine
    3 Low sperm count
    4 Barrennessi
    5 Hvp herbal medicine
    6 Herpes herbal medicine   7 ADHD CDC cure.. 
    8 Coronavirus cure

    ReplyDelete
  16. Dr. Riaria cured my HPV virus that have been in my body since seven years, ever since then my life has been incomplete, I have used so many drugs that was prescribed to me by doctors, but it didn't cure my HPV VIRUS, i was checking for solution on the internet then I miraculously came across Dr. Riaria the powerful herbalist that  can cure HPV infection, then I contacted him through his email, I explained everything to him and he prepared a herbal medicine and sent it to me through FedEx, which I took for 14 days with the instruction he gave me, and when I did a test in the hospital my result came out negative it was the happiest day of my life that am cure from HPV,  are you also suffering from same virus or another diseases you can simply contact him via email: drriaria@gmail.com  you can also call or WhatsApp him on: +2349134987375.  

    ReplyDelete
  17. It’s obvious some patients with HPV are being enslaved to the antiviral and other supplementary Orthodox medicine just to help suppress the virus and not a cure. I have been with the virus since 2015 until I was introduced by a blogger who also narrated her story online on how she was cured of HPV after using Dr ALUDA Herbal Medicine. This is a year and 2 weeks since I was delivered from HPV VIRUS. All thanks to God for using this Great herbalist to heal me. I have promised to keep telling good things about Dr ALUDA. Please feel free to share Your problems with him and don’t forget to tell him I did refer you to Him. Thanks. Write him on mail Draludaharbalhome@gmail.com He deals with Alzheimer virus, Cancer, HIV, Herpes, Genital, warts, ALS, HBV, UTI, Virginal infection, Genital, Wart, HPV, Hepatitis A/B, Good luck, HSV, Pregnancy, Ex back. 

    you can reach me via mail: arnoldvanessa72@gmail.com

    ReplyDelete
  18. I want to give a Testimony on how I got Cured From HSV 1. Five Months ago I was Diagnosed with HSV 1. I was having some outbreaks. I went to see a Doctor and many Blood Tests were done on me. My Doctor told me that there’s no cure for HSV 1. I felt bad, I went online searching for a possible cure for HSV 1, I saw a post of Milton buckler, a herbal Dr called Dr Ovie cured him from HSV 1 . I contacted him and told him how I’m feeling and he said his herbal medicine can cure me. He sent me the medicine via Ups delivery service and I received the medicine some days after he sent it, i took the medicine as prescribed by him. Before the completion of the medication the symptoms stopped. I went to the Doctor and carried out another blood test, surprisingly I was Negative. I haven’t had any symptoms anymore, you can contact Dr Ovie  through his email address via ovie.miraclemedicine1@gmail.com call or WhatsApp Dr on this number now +2349056393169

    He Specialize on this below disease/virus

    *1. HUMAN PAPILLOMA VIRUS
    *2. HERPES VIRUS
    *3. CANCER
    *4. ALS
    *5. HEPATITIS
    *6. Lyme

    ReplyDelete
  19. I can’t believe this. A great testimony that i must
    share to all patient of [herpes virus] in the world. i
    never believed that their could be any complete
    cure for  herpes virus .Mrs JANE introduce me to Dr
    Aluda a herbal doctor who lives in Africa who
    brought her back to life again. so i had to try it
    too and you cant believe that in just few weeks i
    started using the herbal medicine he sent to me i
    was perfectly ok and . Right now i can tell you
    that few months now i have not had any
    symptoms of virus and i have just went for
    text last week and the doctor confirmed that
    there is no trace of any herpes virus in my body
    system. Glory be to God for leading me to this
    genuine Dr Aluda I am so happy as i am
    sharing this testimony. My advice to you all who
    thinks that there is no cure for HERPES virus that is
    Not true ,just contact him and get cure from Dr
    Aluda via his Whatsapp +2348145636867 or Email Draludaharbalhome @gmail. com and you will be free and free
    forever, Try it and you will not regret it because
    it truly works. One thing i have come to realize
    is that you never know how true it is until you
    try... Email him via: Draludaharbalhome @gmail. com...
    THIS IS THE TYPE OF HERBAL MEDICATION HE
    HAVE
    1 Cancer
    2 Hiv
    3 Low sperm count
    4 Barrenness
    5 Hvp
    6 Herpes
    7 Genital Wart
    8 Rare disease
    9 Hepatitis
    10 Syphilis
    11 Diabetes
    God bless you sir for your good work....

    ReplyDelete
  20. I am here to give my testimony about Dr Ubarlo who helped me.. i want to inform the public how i was cured from (HERPES SIMPLEX VIRUS) by Dr Ubarlo, i visited different hospital but they gave me list of drugs like Famvir, Zovirax, and Valtrex which is very expensive to treat the symptoms and never cured me. I was browsing through the Internet searching for remedy on HERPES and i saw comment of people talking about how Dr Ubarlo cured them. when i contacted him he gave me hope and send a Herbal medicine to me that i took for just 2 weeks and it seriously worked for me, my HERPES result came out negative. I am so happy as i am sharing this testimony. My advice to you all who thinks that there is no cure for herpes that is Not true just contact him and get cure from Dr Ubarlo healing herbal cure of all kinds of sickness you may have like
    (1) CANCER,
    (2) DIABETES,
    (3) HIV&AIDS,
    (4) URINARY TRACT INFECTION,
    (5) CANCER,
    (6) IMPOTENCE,
    (7) BARENESS/INFERTILITY
    (8) DIARRHEA
    (9) ASTHMA
    (10)SIMPLEX HERPES AND GENITAL
    (11)COLD SORE
    (12) ENLARGEMENT CREAM
    and mare that are not mentioned here
    . he also cure my friend from cervical cancer. so contact him thruogh his Email address drubarlohome@gmail.com or whatsapp him on +2348119508814

    ReplyDelete
  21. It's a great blog about finance and investing thanks for sharing the blog to know more about digital banking..
    Digital india banking app

    ReplyDelete
  22. i almost gave up on ever getting cured of HSV2 because i have try many treatment none of them work out for me i have go to different hospital they always tell me same thing there is no cure for herpes when i came across a post about Dr OBUDU the net from a lady called Angela i contacted him and he reassured me with him herbal medicine which i took according to the way he instructed, that how i was cured. I doubted at first because i have been to a whole lot of reputable doctors, tried a lot of medicines but none was able to cure me. so i decided to listen to him and he commenced treatment, and under two weeks i was totally free from #Herpes . i want to say a very big thank you to DR OBUDU for what he has done in my life. feel free to leave him a message on email drobuduherbalhome@gmail.com and also WhatsApp him +2349023428871.. or visit his website https://drobuduherbalhome.wixsite.com/welcometoobuduherbalHe can still be able to help you with this herbs medicine:1...ALS CURE/DIABETES CURE/EPILESY/HPV CURE/LUPUS/HEPATITIS/CANCER/GOUT

    ReplyDelete
  23. Powerful Herbal treatment is 100% guarantee for HSV cure, the reason why most people are finding it difficult to cure HSV 1 or 2 is because they believe on medical report, drugs and medical treatments which is not helpful to cure HSV and hasn't proved any sign of helping. Natural roots/herbs are the best remedy which can easily eradicate herpes forever. I never believed it until I was helped and cured of my 16 months genital herpes with natural herbal medicines from Dr OBUDU. Where other medical prescribed drugs and treatments failed, Dr OBUDU natural herbs helped saved me from Genital herpes permanently and I’m so grateful for this. You can also get help from this great and powerful Herbalist Dr OBUDU by reaching him on WhatApp +2349023428871 OR EMAIL: drobuduherbalhome@gmail.com or visit his website https://drobuduherbalhome.wixsite.com/welcometoobuduherbal

    ReplyDelete
  24. Powerful Herbal treatment is 100% guarantee for HSV cure, the reason why most people are finding it difficult to cure HSV 1 or 2 is because they believe on medical report, drugs and medical treatments which is not helpful to cure HSV and hasn't proved any sign of helping. Natural roots/herbs are the best remedy which can easily eradicate herpes forever. I never believed it until I was helped and cured of my 16 months genital herpes with natural herbal medicines from Dr OBUDU. Where other medical prescribed drugs and treatments failed, Dr OBUDU natural herbs helped saved me from Genital herpes permanently and I’m so grateful for this. You can also get help from this great and powerful Herbalist Dr OBUDU by reaching him on WhatApp +2349023428871 OR EMAIL: drobuduherbalhome@gmail.com or visit his website https://drobuduherbalhome.wixsite.com/welcometoobuduherbal

    ReplyDelete
  25. Powerful Herbal treatment is 100% guarantee for HSV cure, the reason why most people are finding it difficult to cure HSV 1 or 2 is because they believe on medical report, drugs and medical treatments which is not helpful to cure HSV and hasn't proved any sign of helping. Natural roots/herbs are the best remedy which can easily eradicate herpes forever. I never believed it until I was helped and cured of my 16 months genital herpes with natural herbal medicines from Dr OBUDU. Where other medical prescribed drugs and treatments failed, Dr OBUDU natural herbs helped saved me from Genital herpes permanently and I’m so grateful for this. You can also get help from this great and powerful Herbalist Dr OBUDU by reaching him on WhatApp +2349023428871 OR EMAIL: drobuduherbalhome@gmail.com or visit his website https://drobuduherbalhome.wixsite.com/welcometoobuduherbal

    ReplyDelete
  26. All thanks to Dr Alli for curing my herpes virus/hpv with his herbal medicine, i do not have much to say but with all my life i will forever be grateful to him and God Almighty for using Dr Alli to reach me when i thought it was all over, today i am happy with my life again after the medical doctor have confirmed my HERPES SIMPLEX VIRUS / HPV of 5 is gone,i have never in my life believed that HERPES SIMPLEX VIRUS could be cured by herbal medicine. so i want to use this means to reach other persons who have this disease by testifying the power of Dr Alli that all hope is not lost yet, try and contact him by any means for any kind of disease with his email: ( Allispellhelp1@gmail.com ) or his whatsapp number +2348100772528 and get your healing

    ReplyDelete
  27. Do you need to increase your credit score?
    Do you intend to upgrade your school grade?
    Do you want to hack your cheating spouse Email, whatsapp, Facebook, instagram or any social network?
    Do you need any information concerning any database.
    Do you need to retrieve deleted files?
    Do you need to clear your criminal records or DMV?
    Do you want to remove any site or link from any blog?
    you should contact this hacker, he is reliable and good at the hack jobs..
    contact : cybergoldenhacker at gmail dot com

    ReplyDelete
  28. It’s obvious some patients with herpes are being enslaved to the antiviral and other supplementary Orthodox medicine just to help suppress the virus and not a cure. I have been with the virus since 2015 until I was introduced by a blogger who also narrated her story online on how she was cured of Genital Herpes after using Dr Oluwale Herbal Medicine. This is a year and 10 weeks since I was delivered from genital Herpes. All thanks to God for using this Great herbalist to heal me. I have promised to keep telling good things about Dr Oluwale. Please feel free to share Your problems with him and don’t forget to tell him I did refer you to Him. Thanks. write him on mail droluwaleherbs@gmail.com He deals with High Blood Presure, Chronic Kidney Diseases, Cancer, HIV, ALS, Diabetes, Virginal infection, Genital Wart, HPV, Hepatitis A/B, HSV, Pregnancy. You can reach this great herbal Dr Oluwale on Email droluwaleherbs@gmail.com  WhatsApp/Call  +2348165160236 His website:: https://droluwaleherbs.weebly.com   

    ReplyDelete
  29. This is real take it serious, who will believe that a herb can cure HERPES DISEASE in my body, i never believe that this will work i have spend alot when getting drugs from the hospital to keep me healthy, what i waswaiting for is death because i was broke, one day i hard about this greatman who is well know of HIV,cancer and herpes cure, i decided to email him,unknowingly to me that this will be the end of the HERPES DISEASE, heprepare the herb for me, and give me instruction on how to take it, at theend of the week which was seven days,he told me to go to the hospital for acheck up, and i went surprisingly after it the doctor confirm me cure fromHERPES disease I thought it was a joke, i went to other hospital the doctorthere also confirm me cure from HERPES disease then i took my friend whowas also HERPES patient to the Doctor after the taking of the herbs she wasalso confirm cure from HERPES disease .please I want every one with thisvirus to be free, that is why am dropping his email address,(drodukuherbalhealingcentre@gmail.com or his whatsap contact +2348124765093)you can visit his website https://drodukuherbscure.blogspot.com/or his blogs pagehttps://dr-oduku-herbal-healing-centre.jimdosite.com/i want you to email him he is a great man. thank you for saving my life, and I promise Iwill always testify for your good work. you can also reach me clararose2128@gmail.com 

    ReplyDelete

  30. The EPFO e-Sewa Portal is the official one-stop resource of Employee Provident Fund Organisation to access EPF related services like Knowing about EPF Balance, Previous and Current Employer, Withdraw funds from EPF Account and much more online. To access these services, UAN Members need to register at UAN Portal using the link EPF UAN Login and can then login to the portal.

    ReplyDelete
  31. The greatest Joy in my life today is that i have been cured of Herpes by a Doctor called Dr. Edualekhide, I was infected with HERPES Disease in 2017, i went to many hospitals for cure but there was no solution, so I was thinking how can I get a solution,so that my body can be okay. Until one faithful day as I was browsing on the internet I saw a testimony on how Dr. Edualekhide has helped people in curing Herpes and other diseases, quickly I copied his WhatsApp number so i contacted him for solution for my Herpes disease, So Dr. Edualekhide told me that his going to prepare his herbal medicine for my health which he sent to me, luckily after 2week my Herpes was cured. Dr. Edualekhide is well recognized as one of the best herbalist doctors in Africa, you don't have to be sad anymore or share your tears anymore on this disease when the cure is available. The medicine has NO SIDE EFFECT,there's no special diet when taking the medicine. He also cures ALS, HIV AIDS, CANCER, HPV, DIABETES and lots more.
    For enquiries:

    E-mail: dredualekhide@gmail.com

    Website: https://dredualekhide.wixsite.com/website

    You can reach me on my Email:

    angelaoscar06@gmail.com

    ReplyDelete
  32. Good luck to anyone reading this true life story of mine, I Was Diagnosed With type 2 Herpes Virus Last year, And I Was Looking For Solution To Be Cured Luckily I Saw Testimonies On How Dr ODION Cure Herpes Virus I Decided To Contact Dr ODION I Contacted Him He Prepared A Herbal Medicine Portion And Sent It To Me, I Started The Herbal Medicine For My Health. He Gave Me Step By Step Instructions On How To Apply It, When I Applied It As Instructed, I Was Cured Of This Deadly Herpes Within 2 weeks, I Am Now Herpes Negative. My Brother And Sister I No That There Are So Many People That Have The Same Herpes Virus Please contact Dr ODION To Help You Too, And Help Me To Thank Dr ODION For Cure Me, I’m Cured By Dr. ODION Herbal Medicine, His Contact Email: [drodionherbalhome12@gmail.com ] Or Cell Whatsapp Number +2349019421176 thank you

    ReplyDelete
  33. HERPES INFECTION CURE IS 100% AVAILABLE WITH THE HELP OF DR OGBERAESE HERBAL MEDICINE.Joy and happiness is all i can see around ever since i came in contact with this great man Called Dr Ogberaese. i complained bitterly to him about me having herpes only for him to tell me it’s a minor stuff. He told me he has cured thousands of people but i did not believe until he sent me the herbal medicine and i took it as instructed by this great man, only to go to the hospital after two weeks for another test and i was confirmed negative. For the first time in four years i was getting that result. i want to use this medium to thank this great man. His name is Dr Ogberaese , i came in with his email through a friend in USA called Edith Rose and ever since then my live has been full with laughter and great peace of mind. i urge you all with herpes or HSV1&2 to contact him if you are willing to give him a chance. you can contact him through his email drogberaese54@gmail.com or you can also WhatsApp him +2348073818653

    ReplyDelete
  34. HERPES INFECTION CURE IS 100% AVAILABLE WITH THE HELP OF DR OGBERAESE HERBAL MEDICINE.Joy and happiness is all i can see around ever since i came in contact with this great man Called Dr Ogberaese. i complained bitterly to him about me having herpes only for him to tell me it’s a minor stuff. He told me he has cured thousands of people but i did not believe until he sent me the herbal medicine and i took it as instructed by this great man, only to go to the hospital after two weeks for another test and i was confirmed negative. For the first time in four years i was getting that result. i want to use this medium to thank this great man. His name is Dr Ogberaese , i came in with his email through a friend in USA called Edith Rose and ever since then my live has been full with laughter and great peace of mind. i urge you all with herpes or HSV1&2 to contact him if you are willing to give him a chance. you can contact him through his email drogberaese54@gmail.com or you can also WhatsApp him +2348073818653

    ReplyDelete
  35. Hello Friends am so happy to give this testimony about an Africa herbalist doctor called Dr okosun who save my life from a herpes virus that almost took my life away, Never in my life did I think herpes virus could be cured by a herbal medicine, Thank you lord for giving me a second chance so am using this medium to reach the life of hundreds of people currently facing such diseases all hope is not lost. How ever chronic is the sickness or disease Dr okosun will cure you permanently from it for i am a living testimony of his miraculous work and you can get in touch with this doctor via drokosun55@gmail.com or his what's app number +2348124363791
    Visit his website: https://drokosun55.weebly.com
    I will forever be thankful to you Dr okosun, God bless..

    ReplyDelete
  36. Dr Oduku herpes treatment is one of the most effective home remedies for herpes which has the ability to kill the herpes virus permanently. I found out I had herpes 4 years ago. My first outbreak was definitely the worst thing I ever experienced. The bumps and blisters were swollen and red. I had a doctor give me Valtrex but I take the generic. I had to take the Valtrex 1 gram a day for about a week and I had another doctor prescribe me Acyclovir but that gave me the worst headaches ever, so I stopped taking it.after 2 year all that prove abortive the herpes was still there,
    Since I was first diagnosed I have about 2 outbreaks a month. I have been able to cope with this by having supportive family and friends who look out for me,though it wasnt easy for me, one day i read a post by someone testifying about Dr Oduku that she was cured totally using his herbal product, i decided to gave it a try, I contacted him as instructed in the testimony. i made request for the herbal medicine, he actually did send it to me and gave me the instruction on how i will use it,
    The good news is this, i went to the hospital after the medication for test as instructed by Dr Oduku, i was tested negative, i was suprised finding out that am now herpes virus negative against my former result which was positive, Am happy to let the whole world know that today am free from this herpes disease,
    no more outbreak, no more cold sores, excruciating pains, i will advice anyone reading this message and needed a cure for herpes as well should please contact this Great Dr Oduku on drodukuherbalhealingcentre@gmail.com or WhatsApp +2348124765093

    Visit his website: https://dr-oduku-herbal-healing-centre.jimdosite.com

    https://drodukuherbscure.blogspot.com/

    Dr Oduku is the best herbal doctor.


    ReplyDelete
  37. My name is Thomas White, from United states, i have been Herpes positive and it is just like been through hell; well special thanks to God almighty for using Dr Twaha, the greatest Herbal doctor in curing my herpes disease. I was diagnosed of this disease in the year 2004. Although I was taking my medications I was not myself. Until a few weeks ago. My friend came to me and told me that he saw many testimonies on how Dr. Twaha  cured people Herpes disease. Although I never believe in herbs, I said to myself "seeing is believing" I took his name and searched it on GOOGLE, I saw many testimonies myself. Quickly, I copied his email: drlregbeyen10000@gmail.com I emailed him, he gave me a form to fill which I did, then he sent me a message  and told me that he required some items in which he will use in preparing the cure for me and he told me that it will cost me some money which i sent to him because I need the cure urgent,  He bought the items and prepared a cure for me, then he sent the parcel to me through courier delivery service. I paid the courier services, I got my parcel, it was a bottle of ointment as described by Dr,Twaha After taking the ointment he told me to do, the herpes test and the result came out negative. Quickly I messaged him and told him what happened he congratulated me. I promised to tell the world about him. You can contact him with any problem  via email: ( drlregbeyen10000@gmail.com ) or contact him on WhatsApp +2349038518881 thank you Dr Twaha

    ReplyDelete
  38. HERPES INFECTION CURE IS 100% AVAILABLE WITH THE HELP OF DR OGBERAESE HERBAL MEDICINE.Joy and happiness is all i can see around ever since i came in contact with this great man Called Dr Ogberaese. i complained bitterly to him about me having herpes only for him to tell me it’s a minor stuff. He told me he has cured thousands of people but i did not believe until he sent me the herbal medicine and i took it as instructed by this great man, only to go to the hospital after two weeks for another test and i was confirmed negative. For the first time in four years i was getting that result. i want to use this medium to thank this great man. His name is Dr Ogberaese , i came in with his email through a friend in USA called Edith Rose and ever since then my live has been full with laughter and great peace of mind. i urge you all with herpes or HSV1&2 to contact him if you are willing to give him a chance. you can contact him through his email drogberaese54@gmail.com or you can also WhatsApp him +2348073818653

    ReplyDelete

  39. I was diagnosed with Herpes virus for 6 years, i lived in pain with the knowledge that i wasn’t going to ever be well again, i contacted so many herbal doctors on this issue and wasted a large sum of money but my condition never got better i was determined to get my life back ,so one day i saw Mrs Mary post on how Dr Ben saved him from the VIRUS with herbal medicine i contacted Dr Ben. on his Email: drbenhealthcare1@gmail.com or visit his Facebook page https://www.facebook.com/104946201562409/posts/104996411557388/?app=fbl ,we spoke on the issue i told him all that i went through and he told me not to worry that everything will be fine again so he prepared the medicine and send it to me through courier service and told me how to use it, after 27 days of usage I went to see the doctor for test, then the result was negative, am the happiest woman on earth now. This testimony is real. thanks to Dr BEN. God bless you, you can also reach him on his WhatsApp: +2349055476554 .

    ReplyDelete
  40. I'm very excited for everyone to know that I was completely cured recently from HSV1 and 2. I have used oil of oregano, coconut oil, acyclovir, valacyclovir, famciclovir, and some other products and it is really helpful during my breakouts, but it was completely cured. HSV1 & 2 with strong active herbal medicine ordered by a powerful herbalist named Dr. Riaria and He completely fought the virus and cleared my nervous system and got a negative result after 14 days of using the herbal medicine. I am here to let everyone know that the herpes virus has a complete cure, I got rid of mine with the help of Dr. Riaria and his herbal medicine. Contact him by email: drriaria@gmail.com or WhatsApp at +2349134987375
    https://web.facebook.com/Dr-Riaria-Herbal-Home-102467701992890

    ReplyDelete
  41. Hi everyone, 2years ago my doctor told me I was diagnosed with HSV2. I was heart broken, How- ever that same years i found a doctor called Dr ubarlo who helped me to cured the virus with natural herbal treatment per- manently. thanks to Dr ubarlo for his natural herbal treatment that eliminated this virus out in my body forever. his contact of him through Instagram page. for any incur- able virus THESE ARE THE DISEASES CURED BY dr ubarlo 1) HERPES 2) HIV / AIDS 3) lupus 4) CANCER 5) EPILEPSY 6) DIABETES 7) ERECTILE 8) CANCER CURE 9) asthma 10) RIGGING EARS 11) Gout 12) pregnancy 13) Hepatitis ABC 14) Weight loss 15) fibroids you can also contact him on his email drubarlohome@gmail.com or Whatsapp +2348119508814

    ReplyDelete


  42. Hello everyone my name is Mrs Caroline.

    i want to share my happiness to the world on how i was cured from (HERPES

    VIRUS) by Dr LUCKY herbal , i visited different hospital but they gave me

    list of drugs like Famvir, Zovirax, and Valtrex which is very expensive to

    treat the symptoms and it never cured me. on thing one faithful day a

    friend of my in united kingdom told me about Dr LUCKY he told me is the one

    that cure is husband from hepatitis B and she told me that he have cure

    many people from herpes virus with is herb medicine,then she told me to

    contact him that he we cure me with is herb . when i contacted Dr LUCKY he

    gave me hope and say that i we be cure once i get his herb ok then after 4

    days he send a Herbal medicine to me that i took for just 1 weeks and it

    seriously worked for me, my HERPES result came out negative. I am so happy

    as i am sharing this testimony. My advice to you all who thinks that there

    is no cure for herpes that is Not true just contact him and get cure from

    Dr LUCKY healing herbs, he also have the herb to cure any kind of

    hepatitis B,C A. and HIV and HERPES VIRUS , Remember delay in treatment

    leads to death.. contact Dr LUCKY on is email at ( herbalcure09@gmail.com )

    or whatapps, +1-217-310-6945 and he we cure you with is HEALING HERB

    MEDICINE , thanks to Dr LUCKY for curing me with is healing herbs medicine

    i am now free from herpes virus

    ReplyDelete
  43. It’s obvious some patients with Human papillomavirus (HPV) are being enslaved to the antiviral and other supplementary medicine just to help suppress the virus and not a cure. I have been with the virus since 2015 until I was introduced by a blogger who also narrated her story online on how she was cured of Human papillomavirus (HPV) after using Dr Idedia Herbal Medicine. This is a year and 2 weeks since I was delivered from Human papillomavirus (HPV). All thanks to God for using this Great herbalist to heal me. I have promised to keep telling good things about Dr Idedia. Please feel free to share Your problems with him and don’t forget to tell him I did refer you to Him. I receive the package and i took the medicine as prescribed by him and I went for check-up 2 weeks after finishing the medicine, I was tested hpv negative, if you are Human papillomavirus (HPV) positive do me a favor for you to contact him and I will try my possible best to make sure you get cured, when you contact him, make sure you tell him that I referenced you.. contact him via email: dr.idediatraditionalhealinghome@gmail.com or whatsapp +2349126592869 you can still get in touch with me to know more my cure.
    visit his website https://dr-idedia-traditional-healing-home9.webnode.com/ Or
    https://sites.google.com/view/dridediatraditionalhealinghome/home
    https://dr-idedia-traditional-healing-home.business.site/

    ReplyDelete
  44. Herpes is a painful viral infection that can reside dormant on the nerve. I'm so excited to share my testimonies about the Good Work of Dr.Edaghonghon who got me cured from herpes simplex virus (HSV1&2) with his herbs, I never thought that I would live on earth before the year runs out. I have been suffering from herpes, I have spent a lot of money going from one Hospital to another looking for ways to get rid of this disease, the hospital has been my home everyday. Constant checks up have been my hobby not until this fateful day, I was searching through the internet, I saw a testimony on how Dr. Edaghonghon helped someone in curing his herpes disease using his healing Herbs, quickly I copied his email just to give him a test I spoke to him, he told me that he is going to provide the herbal cure to me, which he did, after i receive his herbs and i take it as instructed i was cure permanently from herpes my herpes disease was gone. so I decided to share my testimony, that nothing is impossible with God, God uses a man to heal me. No matter what you are passing through, no matter how deadly the sickness is and no matter what the situation is God that did mine is still going to do yours, people suffering from herpes, brain tumor, kidney disease, pros, AIDS, ALS,copd, asthma, arthritis,herpes, Cancer,HPV, any kind of disease, you can reach him now via ? Gmail address: dr.edaghonghonherbalhome@gmail.com or whatsapp +2349056731866.
    https://dredaghonghonherba.wixsite.com/dredaghonghonherbalh

    ReplyDelete
  45. My health was horrible before I decided to try the Protocol Of taking Dr. Ozala pure herbal mixture. I felt there was no hope for my health and I was to try the Protocol, thinking it wouldn’t work because I have visited so many hospital but same result. However, I was convinced by a Instagram friend to try the herbal medicine because I wanted to get rid of Herpes virus. The herbal mixture that was given to me was really quick and easy to take, within 2 week i was fully cured from Herpes. The herbal medicine really work and I will like to share this great doctor contact with you all email him ozalasolutioncenter@gmail.com or WhatsApp +2348156857280
    Website: https://drozalaherbalcure.business.site/
    you won't regret it, i promise you.

    ReplyDelete