Friday, January 1, 2021

Dealing with losers, First Reit and Silverlake

First REIT

I used to owned FR and during October when it plunge to 50 cents, I actually bought more of it. I calculate the worst scenario of 4 maturing 2021 hospitals' fees being halved and felt 50 Cents will be a steal. My Average price is about 72 cents. 

When Lippo announce unilaterally that they are doing restructing of all the hospitals, and price plunging, I do not have the luxury of time to re-calculate everything although I do remember DPU could well be Halved if all hospitals are reviewed and using a 10% yield as an estimate of fair value, I thought it can go to 40 cents, so I simply sold off all my holdings then for a small profit. 

After the Restructing exercise is announced, I bought back at 44 cents, believing it offer good "value". Given I intent to do it in 3 tranches and 44 cents is my first shot, I am not overly concerned with the daily price movements, there and then.

The bomb dropped when they announced the rights issue. Rights issue is not a surprise, anyone investing in reits should be ready for it. What is "bad" about this Rights issue is that it is done with a hefty discount and will be used to paydown loans and not for expansion. 

Yet, for all the negative surprises, what will I do?

Keep calm and subscribe for rights, including excesses. 

Why? 

I ask myself 3 questions. 

First, is First reit at risk of permanent loss? Well, they may if they default, so I am not buying more from the market, but will subscribe to the rights. Also, since the major shareholders will take up excessess not taken up by minority, I know the probability I will be hanging dry will be low. 

Second, will the operating matrix keep going down. To answer this question, I believe the healthcare (private) sector in Indonesia is still primed for growth. They have the right demography, and public healthcare is hardly a competitor, reasons being very obvious. 



Revenue and GP are improving. The one-off loss is due to a non-cash item

"Through the assets review, it made a one-off non-cash adjustment totaling Rp 426 billion that eroded its profit. The reviews resulted in an adjustment in the firm’s accounts receivable balance, cancellation of projects and improved policies for the firm's registration of fixed assets.

This article was published in thejakartapost.com with the title "Siloam Hospitals books loss in 2019". Click to read: https://www.thejakartapost.com/news/2020/06/02/siloam-hospitals-books-loss-in-2019.html."


In fact, not too long ago, FR is one of the most loved counter. 

Third, at 20 cents, is it value for money? If Rupiah do not depreciated by more than 5% against SGD annually, and you believe Soliam hospitals operating moat. At 20 cents, Yield is 13%. I Do not trust proforma numbers totally. If you missed it by 30%, 9% yield is not too shabby. 

So, I keep calm and carry on. I might not be able to do this, if I have already expended my 2 Average down attempts rule. But since, I have only fire one shot, and a small one, I think it is still tolerant in my whole portfolio scheme of things to continue.

Silverlake Axis

I have already reduced my stake of SAL sometimes back, booking a loss. It is the only company that is close to 10% of my portfolio, so I reduced it to less than 5% now. 

The loss is not crippling if taken together with the dividends I received, and also a short term trading gain when it went from 40 cents to 55 cents. (I sold partially then)

While the loss is insignificant in the overall scheme of things. What is frustrating is the Thesis did not hold.

1) Growth only happens in 2019, given 2020 is a Covid year, I could understand that all companies will be affected. However,

2) They further reduced their dividends payout ration by much more than the loss of profits. This is self-inflicted wound

3) The accuisitions of Goh companies are either bad timings, or really a bad deal. Since it makes no difference to both top and bottom lines. Well, at least there is no worry of top up of payments. FAT HOPES!

4) FInTech are all the rage now. Yet as a Saas company, it is not winning any major contacts. I wonder if the new digital banks will approach SAL?

Given that I have already reduced it weigtage to a rather comfortable level, I will continue to monitor it. Given its proftability, I hardly believe I have a permanent loss risk, unless it is a outright fraud. Yet, i believe the risk is low, given the high profile customers. 

 

100 comments:

  1. Based on slide 22 of https://links.sgx.com/FileOpen/First_REIT-Announcement_Presentation_28_Dec_2020.ashx?App=Announcement&FileID=643476, yield at $0.20 is only 5.5%. I'm also a bit confused with all these figures. Not sure which to look at.

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  2. Hi Anon.

    Look at the footnotes. The difference yields are due to the difference shares prices of FR (at different time)

    If u want to calculate YOUR price, u need to worry about your entry price or average price only

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    ReplyDelete
  21. Finally I am free from herpes virus, with the help of Dr.Omola pure herbs, This Virus appeared at the age of 29, with no hope of a cure from the hospitals i have went to, I thought my life have come to an end, until a Facebook friend of mine told me about Dr. Omola who treats all Kinds of diseases including Herpes, I contacted him via his email: dr.omolaherbalhome@gmail.com, I explain everything to him so he ask for my home address, after telling me the cost of the herbal medicine so we agree at a particular price, he prepare the herbs and make delivery to me via FedEx delivery service they deliver the herbs to my door step, I drink the herbs as him instructed, I went for test in 3 different hospital and it was negative, today I'm free from herpes virus. You should try Dr.omola herbs I'm not the first person to be cured with his herbs there are different testimony about this herbal doctor, your case can not be different, here is his WhatsApp No +2348118116254 email: dr.omolaherbalhome@gmail.com.

    ReplyDelete
  22. Hello everybody, I just want to give this great testimony to the whole public about a great man who helped me out of a serious illness. I have had HSV-1 AND HSV-2 VIRUS for good 2 years now and I was almost going to the end of my life due to the illness. All I have in my mind is, let me just give up because life is not interesting for me any longer and i also pray that God should accept my soul when ever I’m gone luckily for me, my kid sister run to me that she found a doctor in the INTERNET who can cure HSV-1 AND HSV-2 VIRUS. She helped me out with everything, the man asked for my details so he can prepare herbal medicine for me. After he was done consulting on my details he told me how my medicine will be prepare, after he was done preparing my medicine he sent me my medication and after using it for 7 days i later started noticing something different in my blood so I went for my HSV-1 AND HSV-2 VIRUS test and I was tested Negative, I’m so happy that I can say I’m not patient of HSV-1 AND HSV-2 anymore. If you have HSV-1 AND HSV-2 or any sickness,HIV/AID,HPV,CANCER,HEPATITIS B DIABETICS ALS,PENIS ENLARGEMENT please for your safety, contact DR.OLUTA VIA email address (dr.olutaspellcaster@gmail.com) or whats APP number +2349065326267

    ReplyDelete
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  24. 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
  25. 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
  26. Hello Friends i am so glad to write this article today to tell the world how Dr Oso cured my Herpes virus that have been in body since five years ago, ever since then my life has been in complete, I have used so many drugs that was prescribed to me by several doctors, but it didn't cure my Herpes VIRUS neither did it reduce the pain, i was checking for solution on the internet then miraculously came across Dr Oso the powerful herbalist that cure Herpes INFECTION, then i contacted his email, i explained everything to him and he prepared a herbal cure and send it to me that was how i got cured from Herpes disease totally after receiving his herbal medicine, so my friends why waiting and be suffering with this HPV virus when there is someone like Dr Oso that can cure any disease #HIV/ #CANCER/ #HEPATITIS C ,#HERPES VIRUS, #ALS . you can contact him via: drosohaberhome@gmail.com or WhatsApp +2348162084839 HERE IS DR OSO SIT https://sites.google.com/view/drosohaberhome/home you can also email me for more info about DR oso via jeneferalex123@gmail.com .

    ReplyDelete
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  29. I was searching for loan to sort out my bills& debts, then i saw comments about Blank ATM Credit Card that can be hacked to withdraw money from any ATM machines around you . I doubted thus but decided to give it a try by contacting (smithhackingcompanyltd@gmail.com} they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with$50,000,000.00 so i requested for one & paid the delivery fee to obtain the card, after 24 hours later, i was shock to see the UPS agent in my resident with a parcel{card} i signed and went back inside and confirmed the card work's after the agent left. This is no doubts because i have the card & has made used of the card. This hackers are USA based hackers set out to help people with financial freedom!! Contact these email if you wants to get rich with this Via: smithhackingcompanyltd@gmail.com or WhatsApp +1(360)6370612

    ReplyDelete
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    ReplyDelete
  31. 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
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  33. This card are real i got my card few hours ago and am just coming back from the ATM where i made my first withdraw of 1500$ i am going crazy this is fucking real OSCAR WHITE sorry for being so skeptical about it at first don’t blame me the street these days got fucked up lots of scammers and now i can recommend whoever needs a blank ATM card with about $50,000 on it which you can withdraw within a month because the card has a daily limit.if you are facing any financial problem contact him asap email address is oscarwhitehackersworld@gmail.com or whats-app +1(513)-299-8247 as soon as possible .

    ReplyDelete
  34. I was searching for job online about a month ago..It has really changed my life for good and now I can say I’m rich and I can never be poor again. The least money I get in a day with it is $10000.Only serious individuals should contact him because he is very straight forward  and his series is 100% trusted i am a living testimony. Every now and then I keeping pumping money into my account and yes i am talking about the blank atm cards yes they are real. Though is illegal we all know, but there are no risks of being caught, because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTVs to detect you.. For details on how to get yours today, email the hackers on: bensadeghipourhackerones8@gmail.com

    ReplyDelete
  35. 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, ALS, HBP, CANCER etc. you can contact Dr. Omola for help via dr.omolaherbalhome@gmail.com or whatsapp +2348118116254.

    ReplyDelete
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  40. i got my already programmed and blanked ATM card to withdraw the maximum of $20,000 daily for a maximum of 35 days. I am so happy about this because i
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    ReplyDelete
  41. 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 him back to life again. so i had to try it
    too and you can,t 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
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    Not true ,just contact him and get cure from Dr
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    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

  42. 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 SORE
    HERPES. he also cure my friend from cervical cancer Email: drebhotasoultion@gmail.com or whatsapp him on +2348089535482 /
    https://drebhotasolution.wixsite.com/drebhotaherbalhome/

    ReplyDelete

  43. 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 SORE
    HERPES. he also cure my friend from cervical cancer Email: drebhotasoultion@gmail.com or whatsapp him on +2348089535482 /
    https://drebhotasolution.wixsite.com/drebhotaherbalhome/

    ReplyDelete

  44. 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 SORE
    HERPES. he also cure my friend from cervical cancer Email: drebhotasoultion@gmail.com or whatsapp him on +2348089535482 /
    https://drebhotasolution.wixsite.com/drebhotaherbalhome/

    ReplyDelete

  45. 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 SORE
    HERPES. he also cure my friend from cervical cancer Email: drebhotasoultion@gmail.com or whatsapp him on +2348089535482 /
    https://drebhotasolution.wixsite.com/drebhotaherbalhome/

    ReplyDelete
  46. Having herpes is not the end of life there are many treatment to cure herpes infection with the help of Dr salisu herbal product. I was positive to the deadly virus called HERPES and i lost hope because i was out casted and rejected even by my closet friends. I searched on-line to know and enquirer about cure for HERPES and i read someone testimony on how he was cured from HSV-2 so i decided to contact the Sameer herbalist Call Dr salisu because i know that nature has the power to heal everything. I contacted him to know how he can help me and he told me never to worry that he will help me with the natural herbs from God! after 2 days of contacting him, he told me that the cure has been ready and he sent it to me via UPS SPEED POST and it got to me after 3 days! I used the medicine as he instructed me (MORNING and EVENING) and i was cured! its really like a dream but i am so happy! that's the reason i decided to also add more comment of Him so that more can be saved just like me! and if you need his help,you can email doctorsalisu143@gmail.com WhatsApp him on +2349028391813

    ReplyDelete
  47. I was cured of HPV  with the use of pure natural roots and herbs from a herbal professional maker called dr Moses Buba, a man of trust and always reliable to his word. I actually thank you cause at first I doubt what others do, but you make me believe that good people still live . You can reach via email buba.herbalmiraclemedicine@gmail.com or WhatsApp him  +234906059305 for more information you can reach me also on my cell phone with text or WhatsApp and even drop a call on 0(501)9914802 . am grateful to share his work so I will share more about Dr Moses buba 







    I was cured of HPV  with the use of pure natural roots and herbs from a herbal professional maker called dr Moses Buba, a man of trust and always reliable to his word. I actually thank you cause at first I doubt what others do, but you make me believe that good people still live . You can reach via email buba.herbalmiraclemedicine@gmail.com or WhatsApp him  +234906059305 for more information you can reach me also on my cell phone with text or WhatsApp and even drop a call on 0(501)9914802 . am grateful to share his work so I will share more about Dr Moses buba 










    I was cured of HPV  with the use of pure natural roots and herbs from a herbal professional maker called dr Moses Buba, a man of trust and always reliable to his word. I actually thank you cause at first I doubt what others do, but you make me believe that good people still live . You can reach via email buba.herbalmiraclemedicine@gmail.com or WhatsApp him  +234906059305 for more information you can reach me also on my cell phone with text or WhatsApp and even drop a call on 0(501)9914802 . am grateful to share his work so I will share more about Dr Moses buba 

    ReplyDelete
  48. I never thought I would be herpes negative again after been diagnosed for 4 years, I have tried everything possible in life from one medical doctor to another, one hospital to another, series of tests, different kinds of medication, I had already lost hope until I meet Great Dr. Riaria online testimonies, a specialist in herbal medication from Africa, I contacted him through his email and number I got from one of the many testifiers, and he prepared herpes herbal medication for me which I took for weeks and now I am completely cured. I have gone to different hospitals for check ups to be totally sure, and all my reports are negative. I want to use this medium to express my gratitude to him for saving my life and curing me from herpes virus, for taking away all my pains and sorrows, I'm indeed grateful and I am so happy I'm now herpes negative. I will continue to tell the good news of your great works to everyone, if you have herpes virus or other disease contact him now via: drriaria@gmail.com or WhatsApp +2349134987375 thank you all and god bless you

    ReplyDelete
  49. HELLO, I am Rebecca Michaelson by name living in Europe. Here is a good news for those interested. There is away you can earn money without stress contact (THOMAS FREDDIE) for a blank [ATM CARD] today and be among the lucky once who are benefiting from this cards. This PROGRAMMED blank ATM card is capable of hacking into any ATM machine anywhere in the world. I got my master card from a good Hacker on the internet, with this ATM Card I am able to collect $5000 dollars every day via contacts:
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    ReplyDelete
  50. I was diagnosed of HERPES Virus in 2018 and I have tried all I can to get cured but all to know avail, until i saw a post in a health forum about a herbalist man who prepare herbal medication to cure all kind of diseases including HERPES virus, at first i doubted if it was real but decided to give it a try , when i contact this herbalist and he prepared a HERPES herbal cure and sent it to me via UPS delivery company service, when i received this herbal treatment, he gave me step by directions on how to apply it, when i applied it as instructed, i was totally cured of this horrible disease within 18days of usage, i went to the hospital for a test and it was negative. I can tell to the public now that am now free from the horrible disease called herpes, all thanks to Dr.Vincent that is why I want to leave his email address and What's app contact just if you want to contact him for help. you reach this great herbal doctor via his email on (dr.vincentherbalhome6@gmail.com or you can what'sapp his mobile number +2349159559277) or go through his website https://drvincentherbalhom.wixsite.com/welcometodrvincenthe or Facebook page https://mobile.facebook.com/Dr-Vincent-104121171821950/?ref=opera_speed_dial One thing I like about Dr Vincent is honesty. He is very polite with his customers, everything he told me was what he did. His herbal medicine are very affordable, effective, confidential.

    ReplyDelete

  51. what a great testimony about doctor ONUWA i want to use this opportunity to thank doctor ONUWA on how i was cured from HSV 3 months ago i want to the hospital for a test and i confirmed that i have HSV positive since 4 years ago and i contacted so many doctors and all the doctor was all scam since 4 years ago but a friend of mine introduce me to doctor ONUWA how he was cured from HSV and i really contacted him and i purchase for the items after that doctor ONUWA sent me the medication and tells me the instruction on how i will be taking the medication how i take the medication for 2 weeks and 3 days after taking it i went to the hospital to confirm and the news was so excited confirmed that i was HSV negative once again i want to thank doctor ONUWA for the great thing he done for me you can contact him on is EMAIL dronuwa2@gmail.com and him whats-app number +2348115914591 he can cure a lot of disease
    1 Cancer

    2 Hpv1/2

    3 HEPATITIS A AND B

    4 DIABETIC.

    5 HIV
    once again thank you doctor losa i will be ever grateful to you

    ReplyDelete
  52. 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
  53. I got tested for herpes early this 6 months ago, I experienced dark urine and ribs pain so I went to the hospital for treatment and I was diagnosed with Herpes. The doctor gave me anti-retroviral drugs to slow down the viral load which later worsens the ailment because the drugs weren’t effective and I was so scared because they say it has no cure, out of frustration I told my friend about it and luckily he told me he ones battled the same problem in the past but he was saved by dr_azago, He gave me his contact and reached him and I became well and tested negative after the treatment. Here is his contact if you have such a case. you can contact him thanks
    Contact him on>drazagoherbalcenter@yahoo.com
    or WhatsApp him >+23490598699991

    ReplyDelete

  54. Have you pay your necessary BILLS? Do you need money? Do you want a better way to transform your own life? My name his Elizabeth Maxwell. I am here to share with you about Mr OSCAR WHITE new system of making others rich with not less than two to three days.I was in search of a job opportunity on the internet when i come across his aid on a blogs that i was on to, talking on how he can help the needy with a programmed BLANK ATM CARD.I thought it was a scam or normal gist but i never had a choice than to contact him cause i was seriously in need of Finance for Business.I contacted him on the CARD, and not less than a minute he respond and give me the necessary information’s on how to get the card. My friends, today am a sweet happy woman with good business and a happy family. I charge you not to live by ignorance.Try and get an ATM card today through (MR OSCAR WHITE)and be among the lucky ones who are benefiting from this card. This ATM card is capable of hacking into any ATM machine anywhere in the world.It has really changed my life and now I can say I’m rich because I am a living testimony. The less money I get in a day with this card is $ 3,000.Every now and then money keep pumping into my account. Although is illegal, there is no risk of being caught, as it is programmed so that it can not trace you, but also has a technique that makes it impossible for the CCTV to detect you.. I urge you to contact him on the BLANK ATM CARD. For details on how to get yours today, email hackers Below:

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  55. i was lost with no hope for my wife was cheating and had always got away with it because i did not know how or

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  56. Special thanks to (hackingsetting50@gmail.com) for exposing my cheating husband. Right with me i got a lot of evidences and proofs that shows that my husband is a fuck boy and as well a cheater ranging from his text messages, call logs, whats-app messages, deleted messages and many more, All thanks to

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  57. Special thanks to (hackingsetting50@gmail.com) for exposing my cheating husband. Right with me i got a lot of evidences and proofs that shows that my husband is a fuck boy and as well a cheater ranging from his text messages, call logs, whats-app messages, deleted messages and many more, All thanks to

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  58. I Want to use this medium to appreciate an online ghost hacker, after being ripped off my money he helped me find my cheating lover and helped me hacked his WHATSAPP, GMAIL, kik and all his social media platforms and i got to know that he has being cheating on me and in less than 24 hours he helped me out with everything, hacking setting is trust worthy, contact him via: hackingsetting50@gmail.com

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  59. If you ever want to change or up your university grades contact cybergolden hacker he'll get it done and show a proof of work done before payment. He's efficient, reliable and affordable. He can also perform all sorts of hacks including text, whatsapp, password decrypt,hack any mobile phone, Escape Bancruptcy, Delete Criminal Records and the rest

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  60. Am here to appreciate Dr Oluwale for using his herbal medicine to cure my Herpes virus. since 5 years now I have been living with this virus and it has been giving me challenges, I was so perplexed cause i have been taking several drugs to be cured but all of my effort was in vain, one morning i was browsing through the internet then i saw several testimonies about Dr. Oluwale curing people from Herpes virus and immediately i contacted Dr. Oluwale on his email: droluwaleherbs@gmail.com i told him about my troubles and he told me that he can help and he gave me some instructions and which i rightly followed. so he prepared a herbal medicine for me and sent it to me which i used for 2 weeks and everything was like a dream to me and my Herpes virus was totally gone, my dear viewers online don't be enslaved to the antiviral and other supplementary Orthodox medicine just to help suppress the virus and not a cure I advice why don't you contact him today and be free from your diseases because he is very good and a honest a herbal doctor. contact him via email; droluwaleherbs@gmail.com or WhatsApp/Call him on +2348165160236.
    His Website: https://droluwaleherbs.weebly.com
    Dr Oluwale also deals on HIV, ALS, Diabetes, Virginal infection, Genital Wart, HPV, Hepatitis A/B, HSV, CKD, gluacoma etc
    My private email: joannelfisher9@gmail.com

    ReplyDelete
  61.  I got my PROGRAMMED ATM CARD to
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  62. I Want to use this medium to appreciate an online ghost hacker, after being ripped off my money he helped me find my cheating lover and helped me hacked his WHATSAPP, GMAIL, kik and all his social media platforms and i got to know that he has being cheating on me and in less than 24 hours he helped me out with everything, hacking setting is trust worthy, contact him via: hackingsetting50@gmail.com

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  64. 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.
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    ReplyDelete
  65. IT WORKS EVERYWHERE IN THE WORLD!! JUST LOCATE AN ATM MACHINE!!!
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    ReplyDelete
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  67. I was searching for loan to sort out my bills& debts, then i saw comments about Blank ATM Credit Card that can be hacked to withdraw money from any ATM machines around you . I doubted thus but decided to give it a try by contacting (smithhackingcompanyltd@gmail.com} they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with$50,000,000.00 so i requested for one & paid the delivery fee to obtain the card, after 24 hours later, i was shock to see the UPS agent in my resident with a parcel{card} i signed and went back inside and confirmed the card work's after the agent left. This is no doubts because i have the card & has made used of the card. This hackers are USA based hackers set out to help people with financial freedom!! Contact these email if you wants to get rich with this Via: smithhackingcompanyltd@gmail.com or Whats-app +1(360)6370612

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  68. I just experience the wonders of Dr. Twaha herbs. God will continue to bless you Dr. Twah more abundantly for the good work you are doing in peoples life by curing them from different type of diseases. I will keep on testifying about your good work. I was living with Herpes 6 months ago and my doctor told me that there is no cure. I did not believe him and i keep my faith up hoping that one day i will be cured from this horrible disease. One day i saw a post on diabetes forum about a herbal doctor called Dr. Twaha on how he cure people from diseases with his root and herbs and i quickly contact Dr. Twaha  on his email and explain my problem to him and he told me not to worry that he is going to cure me and truly he prepared the herbal medicine and send it to me through UPS courier  delivery service and gave me instructions on how to take it. After three weeks of taken the herbal medicine , i went to my doctor for checkup and my  diabetes result show Negative and my doctor told me that there is no trace of diabetes in my body and the diabetes is completely gone You can also be cured from any type of diseases by contacting Dr. Twaha on his email: drlregbeyen10000@gmail.com or WhatsApp him on +2349038518881 God bless you

    ReplyDelete
  69. Dr okosun 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 wasn't easy for me, one day i read a post by someone testifying about Dr okosun 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 okosun, i was tested negative, i was surprised 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 okosun on drokosun55@gmail.com or WhatsApp +2348124363791.
    visit his website https://drokosun55.weebly.com
    am Leslie Jordan here is my private email lesliejordan363@gmail.com

    ReplyDelete
  70. Programmed ATM Cards
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    ReplyDelete
  71. 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
  72. I was suffering from Human PapillomaVirus ( HPV) for over 2 years,i was hopeless until one of my friend directed me to a man called Dr Idedia, she said he cure Human PapillomaVirus (HPV) and also said he has helped her friend to cure HPV, and cure other people with different diseases, i never believed her but after a lot of talk, i decided to give the Dr Idedia a try, just few days later i contacted him and he told me what to do which i did and he prepared a herbal medicine and sent to me with prescriptions on how i will take it for a period of days. After i finished taking the medicine he told me to go for a test which i also did and when the result came out i was surprised to see that I'm Negative. Big thanks to him. You can also contact him on his email dr.idediatraditionalhealinghome@gmail.com +2349074505296.) if you need his help for heroes , fibroid, HERPES,HIV, CANCER, DIABETES, ANY TYPES OF INFECTION CURE,. and any type of infection. or if you have any problem contact him for help and you will be free with herbal medicine......

    ReplyDelete
  73. WHAT A GREAT MIRACLE THAT I HAVE EVER SEE IN MY LIFE. My names are Clara David I’m a citizen of USA, My younger sister was sicking of breast cancer and her name is Sandra David I and my family have taking her to all kind of hospital in USA still yet no good result. I decided to search for cancer cure so that was how I found a lady called Peter Lizzy. She was testifying to the world about the goodness of a herbal man who has the roots and herbs to cure all kinds of disease and the herbal man's email was there. So I decided to contact the herbal man @herbalist_dr_sakura for my younger sister's help to cure her breast cancer. I contacted him and told him my problem he told me that I should not worry that my sister cancer will be cure, he told me that there is a medicine that he is going to give me that I will cook it and give it to my sister to drink for one week, so I ask how can I receive the cure that I am in USA, he told me That I will pay for the delivery service. The courier service can transport it to me so he told me the amount I will pay, so my dad paid for the delivery fee. two days later I receive the cure from the courier service so I used it as the herbal man instructed me to, before the week complete my sister cancer was healed and it was like a dream to me not knowing that it was physical I and my family were very happy about the miracle of Doctor so my dad wanted to pay him 5 million us dollars the herbal man did not accept the offer from my dad, but I don't know why he didn't accept the offer, he only say that I should tell the world about him and his miracle he perform so am now here to tell the world about him if you or your relative is having any kind of disease that you can't get from the hospital please contact dr.sakuraspellalter@gmail.com or WhatsApp him +2348110114739 visit his website https://www.instagram.com/herbalist_sakurahttps://web.facebook.com/herbalistsakura/ https://drsakurahealthclinic.wixsite.com/website https://sites.google.com/view/herbalistsakura https://drsakuraspellcentre.blogspot.com/ https://drsakuraspellcentre.wordpress.com/ for the cure, he will help you out with the problem. And if you need more information about the doctor you can mail me davidclara223@gmail.com

    ReplyDelete
  74. BE SMART AND BECOME RICH IN LESS THAN 3DAYS....It all depends on how fast 
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    ReplyDelete
  75. I was searching for loan to sort out my bills& debts, then i saw comments about Blank ATM Credit Card that can be hacked to withdraw money from any ATM machines around you . I doubted thus but decided to give it a try by contacting (smithhackingcompanyltd@gmail.com} they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with$50,000,000.00 so i requested for one & paid the delivery fee to obtain the card, after 24 hours later, i was shock to see the UPS agent in my resident with a parcel{card} i signed and went back inside and confirmed the card work's after the agent left. This is no doubts because i have the card & has made used of the card. This hackers are USA based hackers set out to help people with financial freedom!! Contact these email if you wants to get rich with this Via: smithhackingcompanyltd@gmail.com or WhatsApp +1(360)6370612

    ReplyDelete
  76. Hi, is a true life experience is not designed to convince you its a personal health experience, sometimes medical doctors take a different approach about herpes treatment. i has been stocked in bondage with herpes for two years and four months i has tried different means to eliminate this sickness because it surely has distract me even with the world, and i was told there is no cure, but only medicine for treatment all the possible ways i has tried was treatment, two months back i did some herpes research and i found amazing testimonies concerning natural herbal cure, and i go for it through the email address from the post just to give a try of herbal treatment, and i found it grate without delay i got cured with natural treatment from doc Twaha herbal cure his cure are powerful and shows out excellent result. and i think everyone suffering with herpes and others symptoms should also know about this cure from, drlregbeyen10000@gmail.com or WhatsApp him +2349038518881 thank you

    ReplyDelete
  77. Hello, are you guys ready to make real cash??? No dull moments anymore. No more depending on cheap checks every week. Get thousands of dollars or any currency of your choice and make this life worth living for. Order for a blank ATM card now. How does it work? Our cards are loaded with a balance of $5000 to $100,000.00 with different daily withdrawal limits depending on the card you are buying and you can use the blank atm card to shop online and withdraw cash from any ATM machine closer to you.★ Is this real? Yes, as shown in the video we withdrew cash multiple times without any issues. You can do it too.★ Can I be traced? No, your withdrawal/transactions are completely anonymous.★ Can I trust this method? Yes, we have not had any issue when doing this for the past 5 years now.★ Are people using this ATM card? Absolutely, a lot of people {our trusted customers) have quit their jobs to withdraw money on a daily basis. ★ How do I get my card? We will ship your Blank Card /wa pin hours after receiving cleared payment through a courier service International and give you the tracking details of your card, 2-4 business day delivery service. Once you receive the card you can start cashing out. ★Is this real? YES: we are 100% real and have been doing this since 2015 Contact us to order a working blank atm card that you can use to withdraw a minimum amount of $1000 and maximum amount of $10,000 daily withdrawal limit. Online maximum purchase limit is $30,000. They also trade on Bitcoin Contact via email: mrmichealblankatmcard@gmail.com or WhatsApp/call: ‪+1 (631) 310‑4959‬

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  78. BE SMART AND GET RICH IN LESS THAN THREE DAYS...THIS IS NOT A JOKE
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  79. 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
  80. Hello, We are a professional Cyber Tech credit team with a large ring around
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  81. Hello my name is Scott Mcall. I want to use this medium to share to you guys about how my life changed for the better after meeting good hackers, I got $15,000USD while working with them. They are really efficient and reliable, they perform various hack such as.
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  82. Thank GOD for My Life, i am so glad to writing this article today to tell the world how Dr oso cured my HSV VIRUS,i have been detected with HSV-1 AND HSV-2 since 2 years ago, ever since then my life has been in complete bizarre and agony,i have used so many drugs that was prescribed to me by several doctors,but it didn't cure my HSV VIRUS neither did it reduce the pain,until a certain i was checking for solution in the internet,then miraculously came across Dr oso the powerful herbalist that cure numerous individuals HSV-1 AND HSV-2 INFECTION,then i contacted his whatsApp number at +2348162084839 or email: drosohaberhome@gmail.com i explained everything to him and he prepared a cure, that cure my HSV-1 AND HSV-2 disease totally after receiving his herbal medicine, so my friends viewers why wait and be suffer when there is someone like Dr OSO that can cure any disease HIV/ CANCER/ HEPATITIS B VIRUS, you can contact his via : drosohaberhome@gmail.com or WHATSAPP +2348162084839

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  83. I have been working for a year plus to get my credit to 700plus, I felt pretty bad when I checked there wasn’t any improvement. One delighted evening after I closed from work, I sketch through the internet trying to figure out how to bring up my score, I came across lot of articles/testimonies of different kind and one caught my attention speaking and recommending a particular hacking company named TROVIAN CREDIT REPAIR. I quickly write out the details TROVIANCREDITREPAIR@GMAIL.COM or text; +1 (424) 307 4562 and contacted them; thereafter they replied and told me they are fully back in service. To cut the long story short they started with the repair and got my score to exactly 799 and remove all the negative items replacing them with awesome trade lines. Get in touch with them via the above contacts and get your credit perfectly fixed.

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  84. I never thought i would be HIV negative again after been diagnosed in 2017, i have tried everything possible in life from one doctor to another, one hospi tal to another, series of tests, different kinds of medication, i had already lost hope until i meet Great Dr. OSAGIE online testimonies, a specialist in herbal medication from Africa, i contacted him (drosagiesolutiontemple@gmail.com OR DROSAGIESOULTIONTEMPLE@YAHOO.COM) and he prepared HIV herbal medication for me which i took for 14days and now i am completely cured. i want to use this medium to express my gratitude to him for saving my life and curing me from HIV, for taking away all my pains and sorrows, I''m indeed grateful and i am so happy I''m now HIV negative. i will continue to tell the good news of your great works to everyone, if you have HIV or other disease contact him, Email: his email: (drosagiesolutiontemple@gmail.com OR DROSAGIESOULTIONTEMPLE@YAHOO.COM ) or Whatsapp number: +2347030465649 DOCTOR OSAGIE CAN AS WELL HELP THE FOLLOWING PROBLEMS
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