The recent market meltdown prompted me to re-organise what I classify as emergency cash and war-chest and better fencing of cash and cash equivalents. This comes about as I increased my emergency cash from 3 months of expenses to 12 months. By doing so, I'll fence up more cash that I can't touch for investment, hence the exercise to really look into this.
I have various issues of Singapore savings bonds (SSB), as well as Frasers 3.65% bond and Azalea bond. I decided to classify those under emergency cash. The SSB can be redeemed at par value, and while the two bonds that I held had their prices falling from their highs (Frasers went below par even), I think they are still safe storage of emergency cash. Unlikely for them to do a Hyflux on me, again.
After accounting for the switch in portfolio counters, I realised I've spent about 15% of my war-chest in a week or two of buying. In this kind of climate, you can buy something and have it fall 10% the following day or so. Crazy times. How does one cope with this? Just be 'delusional', in the sense that you keep thinking the market will return to its formal glory, that this will all pass eventually, that the enterprising human spirit will somehow get you over this and that a few years down the road you'll be wondering why you are even fussing over this minor hump on the road.
I think I've experienced a few crashes in my investing journey so this is not going to be any different. The first few I've 'wasted' it by not being emotionally steady, and/or didn't have enough cash, so I'm determined to make the best out of this. I've some support groups - people who share the same philosophy in money management - so they helped a lot to allay whatever fears in buying up while others are fleeing. Grateful for that. I've seen enough people who made it out of market crashes like this, emerging from the ashes of their portfolio with their net-worth doubled or tripled, to believe in it, so I'll try my best to emulate them.
That said, hope still has to be tempered with ground-level reality and practicality. I must survive all these in order to have a chance to thrive later when all these are over. The top 2 priorities are really health and job security. If that fails, all else fails.
How to spend the remaining war-chest? I think the problem can be split into how much and how long. STI has fallen about 27% from the last peak to the last close, while SP500 is down 20% and HSI about 28% down. Most often, crashes recover after about 30% down. Rarely does it do a 50 to 60% crash and then once in a lifetime, you might see a more than 85% crash. I think based on past history, we should spend the bulk of our war chest preparing for the 30% to 50% crash, rather than the world-changing 85% crash. I think when it comes to that, nobody is really prepared for that. If that comes, there will be more things to worry about survival than about thriving. That should settle the part about how much.
How long then? History shows that it can take 1 to 3 yrs for the bear market to play out from peak to trough. Counting the last peak for STI to be in May 2018, we're about slightly less than 2 yrs right now in Mar 2020. Perhaps it'll end by 2021, in about a year's time. That correlates to what PM Lee said about how long the coronavirus will play out. I wouldn't take it so literally to be exactly 1 year, but that should give a helicopter view of how fast to deploy.
Take care of your health, and prosper.
Saturday, March 14, 2020
Subscribe to:
Post Comments
(
Atom
)
40 comments :
Hi,
My strategy is the same and simple. Buy in equal amount on a monthly basis. Bear or Bull market do not matter for me. I buy and hold for dividend.
WTK
Hi wtk,
As long as you have a strategy that works for you, why change? Good for you!
Hi LP,
Been awhile. Hows life?
i just wrote a quite similar article.
Another thing is also to determine what kind of crisis it’s going to be.
GFC - simple. Affects bank.
Tech bubble - tech stocks
This one is quite complex with virus and oil price. which can possibly led to a bank debt crisis.
Imagine every country introducing stimulus. Where they get the money from? Printing?
Currency crisis eventually?
Hi Rolf,
Yeah, I read yours :)
I'm pretty much the same - working, saving hard esp in times like these and also a new addition - working hard at exercising haha
Hope everyone stays healthy and prosper!
Time to make more babies.
HOW I GOT MY LOAN FROM THIS GREAT COMPANY
Hello my dear people, I am Linda McDonald, currently living in Austin Texas, USA. I am a widow at the moment with three kids and i was stuck in a financial situation in April 2018 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not full prey to those hoodlums at there that call them self-money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I met Mr. David Wilson the most interesting part of it is that my loan was transfer to me within 74hours so I will advise you to contact Mr. David if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (davidwilsonloancompany4@gmail.com) No credit check, no cosigner with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr. David Wilson today for your loan
They offer all kind of categories of loan they
Short term loan (5_10years)
Long term loan (20_40)
Media term loan (10_20)
They offer loan like
Home loan............., Business loan........ Debt loan.......
Student loan.........., Business startup loan
Business loan......., Company loan.............. etc
Email..........( davidwilsonloancompany4@gmail.com)
When it comes to financial crisis and loan then David Wilson loan financial is the place to go please just tell him I Mrs. Linda McDonald direct you Good Luck.......................
TESTIMONY ON HOW I GOT MY LOAN FROM A GENUINE LOAN COMPANY.
This is a change of life! i needed a loan to open my restaurant and bar, when one of my business partner introduce me to this good and trustful loan lender STEVE WILSON finally God smiled on me by directing me to this new lender who put a smile on my face this year and he did not scam me and also by not deceiving or lying to me but however this lender gave me 2% loan which amount is $550,000 united states dollars after my agreement to their company terms and conditions and one significant thing i love about this loan company is that they are very fast
You can contact the loan lender via
EMAIL :stevewilsonloanfirm@gmail.com or whatsapp:+16673078785
Company website:https://stevewilsonfinancialloanfirm.webs.com/
With this bear crisis coming in the horizon, one can only look at the current situation in the financial markets with great hope or fear depending on your investment strategy.
I think currently everyone is in agreement that figuring out how to profit in the downside market is the key to profits this year in trading.
DO YOU NEED A LOAN : TRUST ME WE CAN SOLVE YOUR FINANCE PROBLEM
Do you need Personal Loan?
Business Cash Loan?
Unsecured Loan
Fast and Simple Loan?
Quick Application Process?
Approvals within 24-72 Hours?
No Hidden Fees Loan?
Funding in less than 1 Week?
Get unsecured working capital?
Contact Us At : urbansuccessfundings@gmail.com
LOAN SERVICES AVAILABLE INCLUDE:
Commercial Loans.
Personal Loans.
Business Loans.
Investments Loans.
Development Loans.
Acquisition Loans .
Construction loans.
Credit Card Clearance Loan
Debt Consolidation Loan
Business Loans And many More Loan Opportunity:
LOAN APPLICATION FORM:
=================
Full Name:................
Loan Amount Needed:.
Purpose of loan:.......
Loan Duration:..
Gender:.............
Marital status:....
Location:..........
Home Address:..
City:............
Country:......
Phone:..........
Mobile / Cell:....
Occupation:......
Monthly Income:....
Contact Us At urbansuccessfundings@gmail.com
Phone number : +919069983539 (Whatsapp Only)
when I thought about the way things have been recently, i owe my thanks to God for letting me find this amazing personality, i mailed Mr. alex roughly 2 months now, I was actually very uncertain about investing, very scared because i was also low on cash.I gave it my all, my first investment of $2,000 two weeks ago brought me $ 29,230 last week, and what intrigues me the most is the way him handles he partners, i recommend him too to my friend jeff, after trading with him, his testimonies have let me come here to attest for him. We are happy to meet a professional in you. I am proud to recommend him to any person who has a passion for trading, meet a good mentor and get good fortunes.Contact this veteran at: totalinvestmentcompany@gmail.com
when I thought about the way things have been recently, i owe my thanks to God for letting me find this amazing personality, i mailed Mr. alex roughly 2 months now, I was actually very uncertain about investing, very scared because i was also low on cash.I gave it my all, my first investment of $2,000 two weeks ago brought me $ 29,230 last week, and what intrigues me the most is the way him handles he partners, i recommend him too to my friend jeff, after trading with him, his testimonies have let me come here to attest for him. We are happy to meet a professional in you. I am proud to recommend him to any person who has a passion for trading, meet a good mentor and get good fortunes.Contact this veteran at: totalinvestmentcompany@gmail.com
Thank you for sharing such great information.
It has help me in finding out more detail about Mumbai cake delivery
Hi Viewers Get your Blank ATM card that works in all ATM machines all over the world.. We have specially programmed ATM cards that can be used to hack ATM machines, the ATM cards can be used to withdraw at the ATM or swipe, at stores and POS. We sell this cards to all interested buyers worldwide, the card has a daily withdrawal limit of $1,000 on ATM and up to $20,000 spending limit in stores depending on the kind of card you order for, we are here for you anytime, any day. Email; (blankatm002@gmail.com) I'm grateful to Mike because he changed my story all of a sudden . The card works in all countries except, contact him now (blankatm002@gmail.com)
Are you in financial crisis, looking for money to start your own business or to pay your bills?
I got mine from Mike Fisher. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $14,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .
GET YOUR BLANK ATM CREDIT CARD AT AFFORDABLE PRICE
*They sell this cards to all customers and interested buyers worldwide,the card has a daily withdrawal limit of $2000 to $5000 and up to $50,000 spending limit in stores and unlimited on POS.*
*email: int.hackers002@gmail.com
*you can also call or whatsapp us Contact us today for more enlightenment
+1(301) 329-5298
Thank you for sharing such great information.
It has help me in finding out more detail about online cake delivery near me
Do you need a Loan, or you want to refinance your home, pay-off bills, expand your business? look no further we off all kinds of Loan at 3% interest rate per year. if interested, contact us via Email: johnleemill12345@gmail.com
Thank you for choosing Guarantee Trust Finance.
Sincerely,
Mr. John lee
Agree with you that one needs a unique strategy in a bear market. When markets are down, its more important to achieve capital preservation. This would mean that one can consider looking at safer assets with less volatile earnings. While we would normally see an investment in reits as safe, we ought to be more careful and selective in this unique period, focusing on more resilient sub sectors like logistic and industrial reits.
Nice Article.This post is helpful to many people. stockinvestor.in is a stock related website which provides all stocks related information like new stocks and shares available in the stock market.
trading
manufactures
From my previous experience its not that easy to get back a lost it stolen bitcoin because these scammers are very smart and they will cover their tracks but if you manage to find a trustworthy and reliable Recovery company, I said trustworthy and reliable because many scammers are out there disguising as Recovery agents and will only take your money without recovering your bitcoin, I was a victim of such myself after loosing my bitcoin to an investment scam I sort for help and I met few recovery agents and was scammed by a particular one again. Luckily for me I was referred to a company on telegram. You can send a complaint mail to fightingscams(@)AOL{.} com , he should be able to help you. They Recovered my stolen bitcoin after risking a token to their Recovery program. It was worth it at the end.
I initially invested a total of $1,050,000 over a period of 5 weeks with my broker. My bonus/profit was $8,300,000, every attempt to make withdrawal failed and I was instructed to make another deposit of $250,000 before I can make withdrawals which I did. Up till now, I’m still unable to make withdrawals and all attempt to contact broker has failed. This is very pathetic and I felt so bad losing my investment. I did a due diligence test before investing with them but guess what I ended up getting burned. This is to create awareness, not everybody can be as lucky as I was. I’m saying this because I was able to recover my funds. Thanks to a recovery specialist, they are private investigator and wealth recovery experts…Contact them via mail for more inquiries Fastfundsrecovery@Protonmail.com , Thought someone might find this information useful.
Cool way to have financial freedom!!! Are you tired of living a poor life, here is the opportunity you have been waiting for. Get the new ATM BLANK CARD that can hack any ATM MACHINE and withdraw money from any account. You do not require anybody’s account number before you can use it. Although you and I knows that its illegal,there is no risk using it. It has SPECIAL FEATURES, that makes the machine unable to detect this very card,and its transaction can’t be traced .You can use it anywhere in the world. With this card,you can withdraw nothing less than $4,500 a day. So to get the card,reach the hackers via email address : besthackersworld58@gmail.com or whatsapp him on +1(323)-723-2568
FASTFUNDSRECOVERY.NET who I found on trustpilot
is the best recovery expert. They give you a detailed guide on how to recover money lost to binary options, forex, bitcoin, cryptocurrency, investment, etc.
I am one of the Victims. At first, the investment company seemed to be really professional and authentic. I found many favorable reviews about their performance and delivered results. So, I decided to invest with them and try to achieve success in the online trading sphere. Soon, I realized that the software was swallowing all my investments. IQ option is nothing more than a dangerous and fraudulent platform. I invested over $140,000 and couldn't withdraw my money, months passed and still nothing. So, I reached out to a Certified Binary Options Recovery Expert Cryptorecovveryltd@protonmail.com to help me recover my funds, I have been able to recover $100,000 and the remaining $40,000 is in progress. I really can't tell how happy I am.
cryptorecoveryltd
Sir / Madam,
have you ever searched for fund, loans, financial assistance or needs an accredited lender to help you meet with your needs and demands, then you have no alternative than to get an instant and reliable service from our loaning Agency.
We offer loans ranging from Ten thousand Dollar to Twenty-Five Million Dollar($10,000, 000.00 – ($25,000,000.00).
We offer loan at 3% interest rate per annul and with no credit check, we offer personal loan, debt consolidation loan, business expansion.
Yours Sincerely,
Mr, Frank Santiago
Loan Service Controller,
Text Line WhatsApp+ 1(406)282-2152
Get in touch with Blu hack solutions if you want help recovering your cryptocurrencies or funds from fake investments or trading. They're fast, precise, legit, transparent, and everything legal you can think of. I do not have much to say, but this is to the public and I can assure you of also getting back your lost BTC.
For inquiries about Blu hack solutions, see below their information.
Em............bluhack @ solution4u com
Thanks for your time reading this statement.
MARY.
“The first mistake is you got your funds stolen (crypto scam, trading/Fx investment scam,romance scam etc.)”
Let Assetsretrievalboard.com save you from making the second mistake. Do not seek help from any of these fake recovery emails (scammers) on this very platform or elsewhere , it will land you in more loss.
Sending any message to emails here that claim to be hackers.?
There is more to being a “Real Hacker” (or recovery agent) than just using the words “hack and recovery” to create an email to lure victims to contact them.
📝1: You need a certified and effective team to help recover your misappropriated funds.
📝2: you need at-least, a 15years hacking or recovery experienced and oriented dialectical team to enable that your funds recovery is a success, and therefore we at assetsretrievalboard.com is the team to render this service, we work so hard to enable that, the right hacker (recovery agent) is assigned to you after reviews/investigations have been carried out and confirmed that you are a victim of stolen funds. For more informations and detailed proof of works(testimonials)
Visit our websites now and let’s have your funds retrieved.
assetsretrievalboard.com
assetsretrievalboard.com
<<<<Recording success in Cryptocurrency, Bitcoin is not just buying and holding till when bitcoin sky-rocks, this has been longed abolished by intelligent traders ,mostly now that bitcoin bull is still controlling the market after successfully defended the $20,000 support level once again ad this is likely to trigger a possible move towards $40,000 resistance area However , it's is best advice you find a working strategy by hub/daily signals that works well in other to accumulate and grow a very strong portfolio ahead. I have been trading with Mr Bernie doran daily signals and strategy, on his platform, and his guidance makes trading less stressful and more profit despite the recent fluctuations. I was able to easily increase my portfolio in just 3weeks of trading with his daily signals, growing my 0.9 BTC to 2.9BTC. Mr Bernie’s daily signals are very accurate and yields a great positive return on investment. I really enjoy trading with him and I'm still trading with him, He is available to give assistance to anyone who love crypto trading and beginners in bitcoin investment , I would suggest you contact him on WhatsApp : + 1424(285)-0682 or Telegram : bernie_fx for inquiries , bitcoin is taking over the world
My Bitcoin is back and that's all I can say thanks to EXNER PRO HACKER! You know that turmoil, pure disgust, heavy heart and the feeling that comes with having lost an investment to fraudsters. My episode happened on early January and I had to crawl through it and with it for the better part of the year (since I only got true help on lateSeptember). I really lost hope on my lost savings. Am a bit advanced and so this was affecting my health as well in the long run. When I met Exnerprohacker@protonmail.com, my sweet Bitcoin got back to me. The relief that came with it was purely intense. Thank you so much Exnerprohacker@protonmail.com. Keep helping out Crypto-scammed people and stay blessed.
ARE YOU LOOKING FOR AN ONLINE HACKERS, FRIENDS DARE. IF YOU NEED GENUINE AND PROFESSIONAL HACKING SERVICES CONTACT : GEO COORDINATES HACKER They are professional hackers. They are the best hackers and software developers to penetrate any website, all other hackers get in touch with them to get the best Algorithm software. Their services are 100% guaranteed. Thank God for directing me to Geo Coordinates Hacker. Nothing is worse than losing access to your bitcoin wallet. Just the thought of knowing my whole life savings was gone I went into depression. I felt my life was over and just when I thought all hope was lost, was a friend of mine who introduced me to Geo Coordinates Hacker. I was able to gain access to my wallet in just a matter of days, if you are going through a similar situation or any hacking trouble, don't lose hope with an amazing hacker like Geo Coordinates Hacker. You are sure of 100% recovery, he is reliable and very timely, you will never regret any of their services. Here is the contact info if any one also needs his help. Email: geocoordinateshacker@proton.me.
iBolt Cyber Hacker: The Ultimate Solution for Bitcoin Recovery
In the face of a bitcoin hack or theft, finding a trustworthy and reliable partner for recovery is paramount. iBolt Cyber Hacker stands out as the leading solution for bitcoin recovery, offering unparalleled expertise and a proven track record in retrieving stolen cryptocurrency. With cutting-edge technology and a team of skilled professionals, iBolt Cyber Hacker provides a comprehensive approach to investigating and retrieving hacked bitcoins. Their tailored recovery strategies, combined with a commitment to transparency and client satisfaction, make them the go-to choice for individuals and businesses seeking swift and successful bitcoin recovery. Entrusting your bitcoin recovery to iBolt Cyber Hacker ensures a dedicated and effective resolution to the distressing experience of cryptocurrency theft.
Contact Info:
Email: ibolt@cyber-wizard.com
WhatsApp: +39 350 929 0554
Website: https://iboltcyberhacker.com/
Falling victim to a scam that led to the staggering loss of $66,000 left me in a state of profound devastation. The overwhelming feelings of betrayal and disbelief were magnified by the fact that I had entrusted someone with my hard-earned money. Driven by an unwavering determination to seek justice and recover my funds, I embarked on a quest to explore various legal avenues for assistance. testimonials of the effectiveness of Cyberspacehackpro which not only retrieves lost data but also recovers funds. Encouraged by the compelling narratives of others who had successfully regained their financial footing, I decided to reach out to the Cyberspacehackpro for assistance. To my profound amazement, the expert behind the Cyberspacehackpro Tool showcased remarkable efficiency, managing to recover my stolen funds in an astonishingly short period – a mere 48 hours. The exceptional nature of this recovery process extended beyond the swift retrieval of my funds. This added dimension of justice not only validated the effectiveness of the Cyberspacehackpro but also brought an unexpected sense of relief. For those who have endured the distressing experience of losing money to scammers, I wholeheartedly advocate reaching out to Cyberspacehackpro with the details below if you have fallen victim to a crypto scam.
Email : Cyberspacehackpro(@) rescue team. com
Signal +1 (435) 554- 8126
WhatsApp:+1 (435) 554- 8126
https://cyberspacehackpro0.wixsite.com/cyberspacehackpro
While testimonials may endorse Wizard Asset Recovery, it's vital to approach such claims with caution. While some individuals may have had positive experiences, independently verifying their legitimacy is crucial. Scammers often use fabricated testimonials to deceive victims. Therefore, conducting thorough research, exploring alternative options, and seeking advice from trusted sources before engaging with any recovery service is essential. Be wary of services making unrealistic promises or requiring upfront fees, as these could be red flags for potential scams. For those interested, Wizard Asset Recovery can be contacted via email at Wizardassetrecovery@gmx.us and WhatsApp at +1 (315) 756-1228.
A team of specialists more adept than a magician with a wand is required to navigate the perilous waters of difficult recovery cases. To help you overcome the most difficult obstacles and guarantee that your misplaced Bitcoin assets return home, Brunoe Quick Hack Crypto recovery service offers their experience. As the Bitcoin space develops more quickly than a Website;"Brunoequickhack.com can learn new spells, and innovative solutions appear to strengthen asset protection. By incorporating these advancements, Brunoe Quick Hack Crypto recovery service remains ahead of the curve and offers a more durable shield than dragon scales. Like a vigilant Brunoe Quick Hack is always alert for lurking dark forces, safeguarding your cryptocurrency assets requires constant attention. Brunoe Quick Hack Crypto emphasizes the importance of protecting your digital treasures, ensuring that your Bitcoin remains as secure as Gringotts Bank. For people who are facing the terrifying possibility of losing their Bitcoin valuables, Brunoe Quick Hack Crypto Recovery Service is a radiation of relief. Brunoe Quick Hack Crypto Recovery Service shows that it is committed to protecting and recovering digital riches by highlighting proactive security measures, asset recovery expertise, and a focus to client success. With the way the cryptocurrency market is developing, Whats APP +1. 7.0.5. 7.8.4. 2.6.3.5. Brunoe Quick Hack Crypto Recovery services are a great help to people who are struggling to understand asset security in the digital world. Reach out to Brunoe Quick Hack Crypto Recovery services on: brunoequickhack (AT) gmail dot com
Thanks.
I’ll advice you to use the services of a reliable IT expert / Recovery expert to help you retrieve all your lost or stolen bitcoin on the bitcoin network from scam brokers and fake investment platforms (Websites, blogs and forums). Her services are outstanding and you can contact him at Lisatheo225 @gmail com Perfectly quintessential service. She can help you track and monitor a suspected cheating spouse.. She can help you recover all stolen and lost funds. recovery is the real deal.
Hi everyone
I AM Ulysess Caruso, when it comes to recovering money from scams including binary options, cryptocurrencies, forex, and ponzi schemes, cyber backers consultancy recovery experts are the best in the business. They've successfully recovered the funds I lost trying to trade binary options. If your situation is similar to mine, please use the email below to get in touch with a cyber backers consultation recovery specialist.
Cyberbackersconsultant@gmail.com is the email address.
WHAT IS THE BEST AND MOST RELATIVE RECOVERY HACKER?
HOW CAN I EASILY RESTORE MY STOLEN FUNDS?
HIRED AN AUTHORIZED HACKER FOR CRYPTO RECOVERY: PARADOX CRYPTO RECOVERY WIZARD
I would like to take this opportunity to thank PARADOX CRYPTO RECOVERY WIZARD for the amazing assistance they offered in helping me get my lost bitcoin back. I was feeling powerless and didn't know what to do when I initially found myself in this horrible predicament. That's when I was introduced to PARADOX CRYPTO RECOVERY WIZARD by a buddy, and I am so grateful that I did. My initial communication with PARADOX CRYPTO RECOVERY WIZARD was met with professionalism, knowledge, and sincere assistance from their team. They took their time and made sure I understood every stage of the rehabilitation process as they guided me through it. Their expertise and direction gave me hope that I could find my misplaced cryptocurrency. I was astounded by PARADOX CRYPTO RECOVERY WIZARD's degree of expertise and accuracy throughout the procedure. Again, thank you for your outstanding service.
WhatsApp: +39 351 222 3051
Email: paradox_recovery@cyberservices.com
I have been having issues in my marriage , i suspected my wife of cheating with our lawyer , i thought of what to do only for me to come on google and come across this hackers that helped me hack into her whatsapp and other social media accounts , Now i can see all her texts without her knowing .. I’d like to thank these hackers as well cause they made me have a little peace of mind now .. incase you need the same services rendered you can contact him (( Kalfjohnson424 @gmail com ))
HOW TO RECOVER LOST / STOLEN FUNDS OR CRYPTO USA
Jetwebhackers are the real deal! They came through for me big time. After Mr. David scammed me out of $64,000 with his fake Bitcoin broker scheme, Jetwebhackers swooped in and recovered all my money, plus the promised profit of $235,000. If you ever find yourself in a similar situation, Jetwebhackers are the ones to trust. Huge thanks to Jetwebhackers for saving the day!
Contact jetwebhackers via:
Email: jetwebhackers@gmail.com
Telegram: @jetwebhackers
I deeply regret not conducting more thorough research about the crypto world before making my investments. Had I been more cautious and informed, I might have avoided falling victim to a devastating crypto investment scam that resulted in a loss of nearly a million US dollars—$909,300, to be precise. The emotional and financial toll of this scam was overwhelming, and there were moments when I felt utterly hopeless. I even considered ending my life, such was the depth of my despair. However, a turning point came when a close friend reached out to me with a piece of crucial information. They shared a post about a crypto recovery company called FOLKWIN EXPERT RECOVERY, which had garnered numerous positive reviews and appeared to offer genuine help for victims like myself. Intrigued but cautious, I decided to research the company thoroughly. I found that their reputation was solid, and they had a track record of successfully assisting people who had been scammed. With a mix of hope and skepticism, I contacted FOLKWIN EXPERT RECOVERY and provided them with all the details of my situation. The process was straightforward: I shared my case information, and the team took it from there. To my immense relief and astonishment, FOLKWIN EXPERT RECOVERY managed to recover my stolen crypto within just four days. This was an incredible outcome, far exceeding my expectations. But their assistance didn't stop at merely recovering my funds. FOLKWIN EXPERT RECOVERY also took proactive steps to address related financial issues. They worked to repair my credit score, removed records of bankruptcy, and even cleared out collections and charge-offs. These actions were critical in helping me regain my financial stability and start rebuilding my life. I am profoundly grateful to FOLKWIN EXPERT RECOVERY for their exceptional service and support. Their professionalism, efficiency, and commitment to helping clients like me have made an enormous difference in my life. Their success in recovering my funds and fixing my financial records has been a tremendous relief, lifting a heavy burden from my shoulders. To anyone who has experienced a similar unfortunate situation or has been affected by crypto scams, I strongly recommend reaching out to FOLKWIN EXPERT RECOVERY. They are a reliable, trustworthy, and effective team that genuinely cares about helping victims recover their losses and restore their financial health. Their remarkable work has given me a second chance, and I am confident they can provide the same hope and recovery for others in need. To get in touch with them, kindly Email : FOLKWINEXPERTRECOVERY@TECH-CENTER (.) COM or WHATSAPP: +1 (740)705-0711 for assistance.
Regards,
Mr Miltiades Hyacinth .
Post a Comment