7 Things You Need to Know About Obamacare Before 2014

Obamacare. Is. Coming.

Well, OK, many parts of the Patient Protection and Affordable Care Act, commonly referred to as Obamacare, have already been implemented. But some of the most far-reaching provisions go into effect in 2014. Here are seven things you need to know about Obamacare before then.

1. You won't be directly affected too much -- if you have health insurance through your employer.
If you have health insurance through your employer, most of the Obamacare provisions taking effect next year don't impact you directly. You will, however, likely be affected by Obamacare in indirect ways as the legislation changes the health-care landscape.

2. You could have to pay a penalty if you don't have health insurance.
You will be required to pay a tax penalty if you're not covered by an acceptable insurance policy. The penalty for 2014 will be the greater of $95 per adult and $47.50 per child up to a $285 family maximum or 1% of income above a specified filing threshold ($10,000 for an individual and $20,000 for a family) -- whichever is greater.

This amount is pro-rated, though. If you have insurance for part of the year and not the rest, you only pay a penalty on the amount of time you were uninsured. If that amount of time is less than three months, you won't pay a penalty.

You also won't have to pay a penalty if you're an undocumented immigrant, Native American, or don't make enough to file taxes. Some hardship exemptions also apply.

3. You might qualify for Medicaid -- depending on where you live.
Obamacare encouraged states to expand Medicaid to cover individuals making up to 133% of the federal poverty line. However, at last count 27 states won't be doing so for now.

A few of those states opting against Medicaid expansion could choose to move forward in the future. The best way to determine if you're eligible for Medicaid is to check the website for your state's Medicaid program.

4. You could qualify for federal tax credits to help buy health insurance.
If you're not eligible for health insurance through your employer or government programs, you could be able to receive federal tax credits to help pay for insurance if your household income is less than four times the federal poverty level. How big your credit will be varies based on income level. Around 26 million Americans are expected to qualify for some level of credits.

5. If you need to buy insurance, you'll do it through an online health insurance exchange.
Online health insurance exchanges are scheduled to be available on Oct. 1 for purchasing insurance. Seventeen states plus the District of Columbia are operating their own exchanges. Insurance may be bought in the other states through a federally operated exchange. Open enrollment will begin in October and closes at the end of March.

The easiest way to determine how to enroll through an online health insurance exchange is to go to HealthCare.gov. This website will provide the appropriate link to your state-operated exchange, if applicable, or walk you through enrolling via a federally operated exchange.

6. Your health insurance might be more expensive -- but it could be less costly.
You have probably already heard some states project that insurance will be more expensive under the Obamacare exchanges with other states saying insurance will be less costly. The truth is that it could go either way depending on several variables.

Obamacare requires that insurance plans cover more benefits than some plans cover today. If you're currently on one those plans with less benefits, you'll likely pay more going forward. Generally speaking, older Americans will probably pay less while younger individuals will likely pay more. Of course, those tax credits will help many Americans bear some of the higher costs.

7. There are plenty of investing opportunities linked with health reform.
The Motley Fool is always looking for an investing angle -- and there are plenty with implementation of Obamacare. For example, many observers expect hospitals will benefit as millions of uninsured individuals gain health insurance through Obamacare exchanges.

Community Health Systems (NYSE: CYH  ) is one possible hospital stock for investors to consider. The average analysts' one-year target price for the stock represents a hefty increase over the current share price. Community Health announced plans in July to acquire Health Management Associates to better position itself to take advantage of opportunities presented by health reform. 

One change with Obamacare that many Americans might not be as familiar with is the establishment of a pathway for generic versions of biologic drugs, called biosimilars, to gain approval. Novartis (NYSE: NVS  ) looks to be a good alternative from benefiting from a coming wave of biosimilars. The company's Sandoz unit, a leader in the generic drug market, has stated that it expects the overall biosimilar market to soar to more than $20 billion by 2020. Sandoz hopes to claim a nice share of the coming boom.

Another possible investing play is in temporary staffing agencies. Yes -- there's plenty of disagreement about how much Obamacare is really causing companies to use temporary workers. However, temp agency Robert Half International (NYSE: RHI  ) reported significant interest in its services from organizations ostensibly looking to circumvent the 50-employee threshold for providing health insurance mandated by Obamacare. The employer penalties have been pushed back a year, but Robert Half and its peers could benefit as the Jan. 1, 2015 effective date draws closer.

Key parts of Obamacare are on the way soon. There's plenty you need to know, but there's plenty of opportunity as well.

If you're looking for even more ways to profit from Obamacare, we have just what you need. In this free report, our analysts walk you through tremendous health reform opportunities and the companies that are positioned to exploit them. The informational edge contained in it is invaluable, but time is running out to take advantage of these opportunities. To access this free report instantly, simply click here now.


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  • Report this Comment On August 25, 2013, at 10:25 AM, andersendonna wrote:

    how about we DONT WANT IT............................................................................................................

  • Report this Comment On August 25, 2013, at 10:30 AM, sickofobama59 wrote:

    Let's see. My employer is the Federal Government. So when they make me go on Obama Care, it will affect me. My premiums will go up at LEAST double for the same type of insurance. As Ohio is one of the states that will get hit the hardest on premiums, looks like my affordable health care is a myth. Thanks for nothing.

  • Report this Comment On August 25, 2013, at 10:45 AM, Robin1216 wrote:

    People will be FINED if they don't have insurance?? Are you kidding?? Who can afford to pay those prices.!! Other idiot move by our President. He should by all our fines to make up for all the stupid things and remarks hes made. Thank god he can't run again

  • Report this Comment On August 25, 2013, at 10:51 AM, Firechicken427 wrote:

    If it is not good enough for the people that signed it into law, it's not good enough for me! This is absolutely the worst possible thing that has been shoved down the throats of the American People since the income tax. If enough people raise enough hell, it will get the attention it needs and be repealled or defunded. Sit on your ass and say nothing and you will get what you deserve, a bad law law inspired by socialists,

  • Report this Comment On August 25, 2013, at 10:52 AM, castlerocku wrote:

    every day you report something most of us knew, report something that you do not seem to want to report, like no one wants it instead of trying to sell it for the administration.

  • Report this Comment On August 25, 2013, at 10:56 AM, agsb2 wrote:

    The primary thing you should know is that the people that passed it along with their helpers ARE EXEMPT. Doesn't that make you wonder if it is so great-why exemptions!

  • Report this Comment On August 25, 2013, at 11:05 AM, dwduke wrote:

    Employers will pay the penalty since it is cheaper to do do it that way. Less freedom under Obamacare constrains Americans even more.

  • Report this Comment On August 25, 2013, at 11:06 AM, Garydavid wrote:

    #1 thing to know about Obamacare:

    Democrats designed Obamacare to fail. Why? They set the rules for industry to pay for healthcare for anybody working 30 hours or more. What possible reason would they not set it at 40 hours? Knowing that companies will cut hours to 29 hours to avoid the cost. Also, knowing that the average American cannot make due on those numbers. Once the outcry begins, they will simply blame Republicans and greed of companies. They will then campaign for and achieve single payer insurance. Guess who that single payer will be….? Government. Single payer, the big domino in the push to socialism and total liberal control.

  • Report this Comment On August 25, 2013, at 11:07 AM, Lisa2tx wrote:

    You forgot to mention the TAX that everyone has to pay come Jan. 1. I've heard it is roughly $60-70 per person and most employers will not cover it.

    I would think that should be in your list of things to know about Obamacare.

  • Report this Comment On August 25, 2013, at 11:10 AM, UncleBuck64 wrote:

    You are going to be affected a lot if you get your health insurance from your employer. First, additional taxes and fees of about 5% are kicking in in January. If you split the premium with your company, your costs go up. Next, employers will have to offer insurance to everyone working 30 hrs per week. You may find your hours cut to 29 or less to avoid this. The Affordable Care Act also mandates that the high / low spred in premiums be a maximumof 3 to 1. Most States have higher spreads to reflect the reality that younger people are much cheaper to insure than older people. This means if you are a younger person, your rates are going to rise more than older people.

  • Report this Comment On August 25, 2013, at 11:10 AM, ShellyEllzey wrote:

    This is true, some people are not going to care about fool's rules. The hate for another race is to strong to stop, 500 and something years and it hasn't stop.

  • Report this Comment On August 25, 2013, at 11:11 AM, lightnin001 wrote:

    You have to sign UP for Obamacare so you can find out what's IN it!

  • Report this Comment On August 25, 2013, at 11:14 AM, fatcatj wrote:

    why do undocumented immigrants get out of it the get free everything any way

  • Report this Comment On August 25, 2013, at 11:16 AM, ginr wrote:

    Shelly, we don't care about fool's rules and we don't care about other races. We do care about an incompetent president and the abuse of our constitution. Get the facts!

  • Report this Comment On August 25, 2013, at 11:17 AM, trajan24 wrote:

    one) Your doctor won't accept it.

    2) your hours just got cut to 29

    3) If you want to use Obamacare go to a government supported facility and be prepared to wait a LOOOONG time.

    4) You can pay the tax and pay your doctor directly, if you can afford it.

    5) If you can't, you're screwed.

  • Report this Comment On August 25, 2013, at 11:18 AM, peep52 wrote:

    Why do you think everyone doesn't want this? I am self employed and pay over $2000 per month for basic coverage. Lucky I can get health insurance at all.(In FL I probably would not be insurable under present system) I was dealt the type 1 diabetes card. I swim 3 days/week,walk 3-6mi a day, bike, eat healthy and have no other illnesses or diseases. I can't wait to see if my insurance costs can be reduced a bit.

  • Report this Comment On August 25, 2013, at 11:19 AM, xxchbadboyxx wrote:

    Obama spent about 1 million dollars per hospital in the US to buy computers, and get electronic medical records. We now have 18 laptops in the ED alone. All this did was slow down and make things ineffective for our patients. We now spend more time on the computer, instead of time spent with patients.

    Obama then put out of business, the average family doctor who did things the old way, the one that was very cost effective, but unable to make the change to electronic medical records.

    Obama has insured every drug addict, alcoholic, and welfare recipient, people that go to the ED 5 times a month, for mostly silly things, or to get a shot of pain medication. Whereas before, we just absorbed the cost, now these people will be on the same plane as the elderly on social security, the ones that made this country great. Whle this may be a temporary boon for hospitals, it will surely bankrupt this country.

    What then will happen will be top down cost cutting, while will decrease heath care benefits for everyone, since the federal government will not be able to afford this.

    Meanwhile, nothing has been done regarding lowering the cost of health care, which is due to loss of common sense regarding medical practice brought on by attorneys who want and expect everything to be done, no matter what the cost.

    And now that reimbursement is based on patient satisfaction scores, doctors do everything, as we have nonmedical people that decide what tests should be ordered, and who should be admitted.

  • Report this Comment On August 25, 2013, at 11:19 AM, fact139 wrote:

    Go back to sleep. The government is your friend. Obamacare wants to help you. Sleep. Sleep. Sleep. Sleep....

  • Report this Comment On August 25, 2013, at 11:23 AM, RetiredGrandma wrote:

    I am retired and have been slapped in the face with this outrageous "affordable" deal. This sucks. I get $733 a month. I have worked my whole life. When I checked to see about healthcare insurance, I was stunned. To get what I had while working, which cost me 120.00 a month, will cost me 657.00 a month. Lets see that gives me $76.00 to pay rent, buy food, gas for vehicle, meds and bills. Hm. Talk about being screwed. Where is the KY ointment.

  • Report this Comment On August 25, 2013, at 11:25 AM, NightAdder wrote:

    Yep, Obamacare is simply the expansion and support mostly for MediCaid. Which by the way is only a nice way way for saying "welfare insurance." Paid for by those working for those who are not. Let's see now, MediCare pays 60% of what is charged the patient and MedCaid pays 30% of the cost.

    What would happen to the economy if that same principle was applied to everyone one else in the business world? Wouldn't you like to buy gas for 30% of the cost at the pump? Or how about a new car for 30% of the asking price? Or a house or property for that matter? Or how about paying only 30% of your credit card bill?

    SIGN ME UP!!!

  • Report this Comment On August 25, 2013, at 11:37 AM, kate94 wrote:

    The socialist has created yet another way to destroy not only our economy but our lives as we know it, and touring college towns in NY promising college loans forgiven after 10 years if they work for the gov't, so they will pay into obamascare, without the 20's paying it will bankrupt FASTER than it is going to, bigger gov't, unaffordable and bad healthcare, part time low wage jobs, and still sending billions to countries that hate us and are directly under the control of the muslim brotherhood, does no one see or understand where this is going?

  • Report this Comment On August 25, 2013, at 11:39 AM, adore13 wrote:

    As an Obama supporter, not a democrat, its funny to me and it makes no sense at all this Obamacare. Its okay for Republicans to want to spend money on war efforts but not a healthcare plan for all Americans. An American healthcare plan got all screwed up because of Republican resentment and opposition. Now it just makes no sense at all.

  • Report this Comment On August 25, 2013, at 11:41 AM, deadheadhoodie wrote:

    *this comment have been deleted by the Obama administration*

  • Report this Comment On August 25, 2013, at 11:45 AM, Eviltaxpayer wrote:

    The most important things to remember arethat this debocle was passed without a sungle rep vote- it was passed with bribes and hurried on a sundaymorning- muslims - indians- illegals- and the very politicians who created this garbage are exempt-

  • Report this Comment On August 25, 2013, at 11:45 AM, PatrickHenry2 wrote:

    1 My insurance has gone up!

    2 My Co-Pay has gone up!

    3 My cost on medical supplies has gone Up!

    4 I will be taxed on durable medical goods UP!

    5 My Deductible is UP by $3,000

    I didn't want Government mandated health insurance. We don't have a HEALTH CARE CRISIS, we have a Health Crisis, and that is a big difference as people don't take care of themselves, which is a FREE CHOICE. I choose to buy good insurance, and I can't keep what I wanted, that is depriving me of a Free CHOICE.

    I am starting to doubt seriously if our Freedom can survive OBUMMER and the Idiot in Search of a Village Biden, given all the Vidkun Quislings in Congress

  • Report this Comment On August 25, 2013, at 11:45 AM, lugmauler wrote:

    the things you should know about Obama care.

    #1) it will cost you greatly

    #2) it won't work

    #3) it will fail

    #4) it will fail

    #5 it will fail

    #6) it will fail

    and finally

    #7) it will be forced upon you with no regards what so ever about how we, the people feel about it.

    why? because our lawmakers no longer work for us, just the wealthy and their companies.

  • Report this Comment On August 25, 2013, at 11:47 AM, DaFester wrote:

    So if you're a hard working american, you have to pay for insurance or be fined until you die, But if you're an indian or an immigrant, then you don't have to pay. This really sucks, and it sounds like racial profiling.

  • Report this Comment On August 25, 2013, at 11:51 AM, Eviltaxpayer wrote:

    Wow the goverment run media is in high gear damage control arent they? Pure propaganda- bring on the needed civil war-

  • Report this Comment On August 25, 2013, at 11:51 AM, Orlandca wrote:

    I know that it is the very same paper that Hillary was caught trying behind closed doors when "Bill" was Pres, Under the R.I.C.O. Act this is not only illegal but a total Fraud,

  • Report this Comment On August 25, 2013, at 11:53 AM, Orlandca wrote:

    For religious reasons Muslims and Islamist are exempt,

    Read , it I did,

  • Report this Comment On August 25, 2013, at 11:54 AM, PAKNO wrote:

    Obama - congratulations on achieving your goal...destroying this country and pushing the US towards communism where the people work for the government. You have made DC a joke (fast a furious, NSA spying, Bengazi, croney capitialism, just to name a few. You, sir, are a traitor to the constitution and the "press" is your advertising company.

  • Report this Comment On August 25, 2013, at 11:54 AM, Colliegurl wrote:

    The biggest benefits of this law are for the uninsured and for people who are self employed. If you can't afford to purchase health care, there will be assistance and tax credits to do so. No one will be required to pay more than 10% of their income for health care. If you have insurance through an employer, you can keep it. If you have medicare, VA or medicaid, you meet the health care mandate.

  • Report this Comment On August 25, 2013, at 11:54 AM, Eviltaxpayer wrote:

    Remember not ONE republican voted for this trainwreck-

  • Report this Comment On August 25, 2013, at 11:56 AM, PatrickHenry2 wrote:

    Let's call, Obama George III, let's call Reid Townsend and Pelosi Wm Pitt, then let's fight back, refuse to abide by this *Unconstitutional* abuse of power. If a large part of the FREE PUBLIC REJECTS going along, it will collapse and they will have to replace this moronic, over reach that infringes on the right of a FREE people. The Government derives it power from the consent of the governed and we need to remind them of that.

    You cannot morally force a *FREE PEOPLE* to buy something they don't want, if they get away with this they could force us to buy a new car every 3 years to support Detroit, or a Fridge ever 5 years to support GE

  • Report this Comment On August 25, 2013, at 11:57 AM, minoton wrote:

    The plan now has a new name: ObamaDoesn'tCare.

  • Report this Comment On August 25, 2013, at 11:58 AM, jomoodell wrote:

    I'm self-employed and had to switch my insurance anyway--always do that every 3 years when they jack up the premium. Thanks to Obamacare, I got into a group--and have the best insurance I've had in 15 years. Dirt cheap, with a REAL company that ALL my doctors actually take. No deductible, down from ten grand. Not even copays! And dental which I haven't had since who knows when. Basically, I got a $3000 to $7000 raise (what I pay out of pocket each year varies). those of you who hate Obamacare can kiss my happy behind! I'm THRILLED! And yes, this means I can spend more money on alternative health treatments and organic foods.

  • Report this Comment On August 25, 2013, at 12:02 PM, Colliegurl wrote:

    Congrats, Jomoodell. For all the faux outraged visit to website healthcare.gov to see how you can benefit from Obamacare.

  • Report this Comment On August 25, 2013, at 12:02 PM, minoton wrote:

    To jomoodell's post, if it sounds too good to be true, it is too good to be true. Not a single news story has come out backing up this type of scenario. And that's saying something considering most of the news sources are in Obama's pocket. I suspect Democrat plant.

  • Report this Comment On August 25, 2013, at 12:05 PM, sdchanman wrote:

    #1 According to the U.S. Supreme Court, the federal government has the power to force you to buy private goods and services. Now that this door has been opened, what else will we be forced to buy in the future?

    #2 Obamacare is another step away from individual liberty and another step toward a “nanny state” where the government dominates our lives from the cradle to the grave.

    #3 The IRS is now going to be given the task of hunting down and penalizing millions of Americans that do not have any health insurance. In fact, the Obama administration has given the IRS 500 million extra dollars “outside the normal appropriations process” to help them enforce the provisions of Obamacare that they are in charge of overseeing.

    #4 Obamacare imposes more than 20 new taxes on the American people. You can find a comprehensive list of Obamacare taxes right here. If you love paying higher taxes, then you are going to absolutely love Obamacare once it is fully implemented.

    #5 In an attempt to “control costs” and “promote efficiency”, Obamacare limits the treatment options that doctors and patients can consider. This is likely to result in a decrease in life expectancy in the United States.

    #6 Obamacare is going to impose nightmarish paperwork burdens on doctors, hospitals and the rest of the healthcare system. This is going to significantly increase our healthcare costs as a nation.

    #7 Obamacare is going to send health insurance premiums soaring. This is especially true for younger Americans.

  • Report this Comment On August 25, 2013, at 12:11 PM, Whyisitbad wrote:

    For the people in the age bracket of about 27-50, this law is destructive to all of us. I currently have health insurance that provides me with full coverage and a deductible of $1250. I pay $89.00 a month. I am happy with what I have, it costs me very little, I take care of myself and watch what I spend on medicine since I am obligated up to $1,250.00.

    Now, with ACA, I am either forced into a WORSE plan for more than triple what I pay now or have no insurance and pay a similar penalty to what my yearly costs are now. This is nothing more than a resdistribution of wealth. They are taking money(and health) from the young and giving it to everyone else. I cannot afford the higher taxes that Obama has put on me, my state has put on me, and now a ridiculous health care bill that literally provides no net benefit and only an increase in cost. I am shocked that there is not more of an outcry from my age bracket. We are being exploited and I can't believe it.

    The outcome for myself will be that I pay the penalty to save money, yet now, I will be uninsured when before that same money went to covering me. HOW THE F DID THIS HAPPEN?! I CANNOT AFFORD TO PAY MORE THAN TRIPLE MY CURRENT INSURANCE BILL!

  • Report this Comment On August 25, 2013, at 12:12 PM, n2equine wrote:

    SEE THE BIG PICTURE: this is the beginning of socialized medicine!!!!!! Obama has stated he already has a panel of physicians and they will eventually determine your course of treatment if any. This is how Britain and Canada operate their healthcare system. Obama is basically slapping our founding forefathers in the face as they came here to start a new FREE country and our president is taking us right back from where they fought for us to be FREE. If we don't stand up to this, we should all be ashamed to call us the home of the BRAVE!!

  • Report this Comment On August 25, 2013, at 12:12 PM, Colliegurl wrote:

    Obamacare does not impose taxes on individuals. Obama care does not limit your choices.

    Obamacare increases your choices.

    Obama care is already bending the cost curve. Obamacare bends the cost curve by eliminating costly uncompensated ER care/hospital care and by improving the quality of care.

    Obamacare, improves the delivery of care by spreading the best practices of the best hospitals and clinics in the country.

    Obama care saves money by requiring that those who can afford to contribute to the cost of their care do so.

    Obama care saves money by insuring that people have access to preventative care.

  • Report this Comment On August 25, 2013, at 12:14 PM, imager2112 wrote:

    If you're truly retired and receiving $733 a month, you're on medicaid and not required to purchase insurance on the Obamacare plan. I seriously doubt you got slapped in the face with anything other than ignorance.

    Medical costs have been soaring through the roof at ever increasing rates and will do so as the baby boomer generation starts aging. Yes, medical care costs money and when you have an ever increasing rate of defaults because people can't afford their care - who winds up getting dinged for those defaults? You and I do or you wind up with a local hospital closing its doors for insolvency.

    Stop and think for a moment people, Obamacare isn't the end of anything; rather it is a way out of a worse mess we as Americans will still be asked to shoulder the debt for - only, without options. Getting medical care isn't a what if option, its a what will happen when reality.

    This is the reality - get Obamacare and at least have an option of what you pay OR go without and face a system that will eventually implode from high costs and ever increasing defaults.

  • Report this Comment On August 25, 2013, at 12:17 PM, Colliegurl wrote:

    Obama care has a bronze plan for the young. Many young people will stay on their parents plan until age 26. Many will have health care through an employer. If you don't have health care through and employer, there will be many options on the exchanges. Many people will qualify for assistance if their income is under @42K for individuals.

  • Report this Comment On August 25, 2013, at 12:21 PM, Speedracer69 wrote:

    If this is such a good deal then why is the President and congress excluded from having to use Obamacare? My parents can barely make it now and obamacare will put them out on the street >.<Whats good for the goose is good for tha gander! Make our government take the insurance as well!

  • Report this Comment On August 25, 2013, at 12:21 PM, GuitarJim wrote:

    Interesting. Many dozens of comments, and not one single comment defending Obamacare. The last poll I read said that 62% of Americans don't want Obamacare. Where are the other 38% hiding?

  • Report this Comment On August 25, 2013, at 12:25 PM, Nardamus wrote:

    Lets see if I have this right. EVERYONE has to have this crap called Obamacrap. I want to see how this is going to be enforced. Tell me how they are going to make EVERYONE get this. Now the other thing, I did some checking and this is what I found, A simple insurance plan cost around 130 dollars but they only pay 50% for a simple office visit so last time I checked an office visit was 140, so they pay 70 dollars and you pay 70 plus the 130 so that comes to 200 for having insurance and if you don't it costs 140. hmmmmmmmmmm.

    Again who the hell can afford this and as usual the rich get richer, Stick this forced health care up your ass.

  • Report this Comment On August 25, 2013, at 12:27 PM, rjchicago wrote:

    Who ever it is that wrote this article has NO CLUE what they are talking about in their bullet points above.

    Look at this site and get your head around this disaster of law. http://csteventucker.wordpress.com/

    Don't believe the MSM - they are shills for otrauma.

    Welcome to statism folks - soon to be fascism!!!

  • Report this Comment On August 25, 2013, at 12:28 PM, 4society wrote:

    Wouldn't it be nice to think about the overall benefit to society other than our individual pocket - making the system stronger is a benefit to us all in the long run... You can either be a part of making society stronger or a part of breaking it down (more) which eventually affects us all.

  • Report this Comment On August 25, 2013, at 12:28 PM, Rod333 wrote:

    Im OPTING OUT of ALL OF THE ABOVE...

  • Report this Comment On August 25, 2013, at 12:30 PM, JonBranda wrote:

    When I started at my present job all our insurance was covered by the company, two years ago it all changed to where we payed half which was still okay but a lost perk of our job. Thursday we were informed that the company would cover 0% of the family portion of our policy and 50% of employe coverage provided you have been with company 8 years or more. Insurance is no longer part of a new employ package due to increases over the past 2 years, fines are cheaper therefor the employ is the looser here.

    Everyone keeps saying we need to build the middle class but their actions are attacking the very ones whom they claim to be helping. How is this helping? Its the middle class taking the biggest hit here.

    Seem to me its an effort to provide for the worthless and lazy in America. The only group growing here is the government sucking deadbeats therefor growing the dependance on handouts and securing votes in the future.

  • Report this Comment On August 25, 2013, at 12:31 PM, sogole wrote:

    If a law must be passed to see what it contains,this is not a good law.

  • Report this Comment On August 25, 2013, at 12:35 PM, JonBranda wrote:

    If everyone in America who is against this program would refuse to file their taxes just one year it would get action out of Washington. There are ways that the people can get their wants tended to and maybe this could get their attention.

  • Report this Comment On August 25, 2013, at 12:36 PM, Rod333 wrote:

    Develope a "HEALTH CARE" system with a "one size fits all" policy and I will be glad to join the pool.. Meaning,.. Everybody has the same rate. Same coverage no matter what age, sex, race or religion.. IF you want true equality in this country, you let every man pay his own way and fair share. You dont tax one group of people just because they have more. No, I'm not wealthy by any means but what mindset are Americans living with where they think that its someone else's LEGAL / GOVERNMENT FORCED / TAXED obligation to foot the bill for me? It's not. It would be just as easy to make eveyone pay a "LITTLE" instead of forcing / TAXING the rest of us to pay a lot more to make up for the shortfall of millions who wont pay a dime when the truth is, most of them are able bodied work. I can't help it what career path you chose. I've done every sort of labor there is pretty much along my way but at no time did I feel that anyone "Owed" me and was obligated to pay for something for me or my family members simply because I couldn't afford it.. If you can't AFFORD IT. You don't buy it.. Its as simple as that. If the gov't wants true equality then it has to be on every playing field. You have to give every equal access and opportunity and you have to give every EQUAL REPONSIBILITY for their own livelihood and upkeep..

  • Report this Comment On August 25, 2013, at 12:46 PM, Hellooooooooo wrote:

    What about these people on welfare? Or even have insurance thru work and gets the medical card? They need to fine them also! I work for the government I get screwed no matter what! But, pisses me off these welfare people get away with freebies...

  • Report this Comment On August 25, 2013, at 12:46 PM, Rod333 wrote:

    Why didn't they just TAX Groceries.. EVERYBODY has to eat..That way everybody has to pay.. Then you could call it what it REALLY IS... Socialism / Socialized welfare.. OR ...The BEGINNING of COMMUNISM...

  • Report this Comment On August 25, 2013, at 12:50 PM, ami777 wrote:

    Although I have insurance already, how is this going to prevent the people who stiff hospitals now? I have heard of people who do not have health insurance going to ER for every pain and scratch. Also, if this does not apply to illegal/legal immigrants, are they going to get upfront payment and deport them if they cannot pay?

  • Report this Comment On August 25, 2013, at 12:51 PM, altrue1090 wrote:

    All of the comments above are about money. When hypertension, cholesterol, diabetes and cancer go undiagnosed, people die earlier than they have to.

    Getting insurance and access to care will save lots of American lives. How can people be against that?

  • Report this Comment On August 25, 2013, at 12:57 PM, Lawdhelpme wrote:

    Thanks for this very reasonable summary article, Motley Fool. Will Obama-care work? Probably, if the states go along with the Medicaid expansion. The people who seem to be squawking most about Obama-care are the ones who disliked Obama from the beginning -- even before he was sworn in as president. But we can see Romney-care seems to be working just fine in Massachusetts, and that is the model for Obama-care. So don't panic. Just give Obama-care some time to phase in and start working. And the system can always be improved -- if politicians ever ever settle down and get to work.

  • Report this Comment On August 25, 2013, at 12:57 PM, True411 wrote:

    Here's something so simple even a fool can understand it - if you cover millions more people who can't pay, costs will go up for everyone who can pay. Since a portion of these costs are born by businesses, they will have no choice but to pass these costs on to the consumer.

    Take Delta Airlines for example. They just announced that ObamaCare will cost them $100 million dollars. Do you think these additional costs will result in airfares going down or up?

    There's no way that you can claim that costs will decrease anywhere without comparing benefits. Some states where costs APPEAR to be going down actually aren't, the health care plans costed under ObamaCare are not equivalent - the bronze level for example only pays a fraction of existing plans.

    Get real Motley Fool. Articles like this one that don't pass the laugh test will kill your credibility. Retract this article.

  • Report this Comment On August 25, 2013, at 12:59 PM, doco177 wrote:

    Google.... "Obamacare Flowchart" at Intellectual Takeout .... to see a visual representation of the corrupt mess this really is

    Congress,Muslims, Amish, Native Americans are exempt from mandate and penalties under Obamacare that the rest of us have to pay.

    1. Millions are losing the insurance Obama promised they could keep. Because ObamaCare forces employers to offer expensive Cadillac plans but also offers the option of paying a fine for not providing health insurance that can be cheaper than providing it, between seven and twenty million Americans are likely to lose their health insurance coverage according to the Congressional Budget Office. The original estimate was closer to four million.

    2. The cost of healthcare premiums is about to further skyrocket. Premium costs have already exploded, but that is a slow-motion explosion. In the near future, we could see costs double or worse. Naturally, these costs will hit an already burdened middle class hardest.

    3. Lost jobs. Lost jobs.

    The Federal Reserve's March beige book on economic activity noted that businesses "cited the unknown effects of the Affordable Care Act as reasons for planned layoffs and reluctance to hire more staff."

    Consulting firm Adecco found that half of the small businesses it surveyed in January either plan to cut their workforce, not hire new workers, or shift to part-time or temporary help because of ObamaCare.

    4. Doctor shortages that will mean rationing: The healthcare industry is already a bureaucratic quagmire. ObamaCare is about to add steroids. As the profession becomes tyrannized by government, the talented people currently practicing medicine plan to get out sooner than expected. Who knows how many will choose not to get in. Doctor shortages are what lead to the nightmare known as rationed care.

    5. Somewhere around $800 billion in tax increases will hit America's middle class. This added burden will not only further oppress a middle class already reeling from a drop in wages over the last few years, but could damage the overall economy.

    6. Inflation, the cruelest tax on the poor. When businesses get socked with added costs brought about by higher taxes and burdensome government mandates, they pass those cost along to the consumer in the form of higher prices.

    7. Added bureaucracy. Even those Obama lapdogs over at the Washington Post's Wonk Blog are admitting that applying for health care is about to get more burdensome than the byzantine paperwork involved in buying a home.

    8. To cut costs or to avoid having to provide insurance, workers on the economic margins are already losing hours, which means a lower paycheck. There are a million sad stories in ObamaVille; here are just a few of them.

    9. ObamaCare is projected to add $6.2 TRILLION to a deficit the GAO has already declared "unsustainable." That's "trillion" with a "t".

    10. More taxes than currently estimated are likely to hit because of situations like this one.

    Three years ago, Obama, Democrats, and his media lied to us about cutting the cost of health care, being able to keep our insurance, and not taxing the middle class. Today, those lies and what ObamaCare is and will do to the working and middle class are the biggest untold story in America.

    The govt becoming more involved in health care is the reason the costs have increased. So Govt creates a crisis, then provides a solution that comes at the expense of liberty and freedom, costs trillions, and by most accounts won't solve the problem but in fact make it far worse.Corruption, incompetence, disregard of the Constitution, and lying are integral to the way that this country is being run.

    Boycott and Repeal Obamacare...If only a mere 20% of the over 300 million population of the USA boycott Obamacare the government would be overwhelmed to even think they could penalize or mandate every citizen that refused to participate in the most corrupt and unlawful ways which it was passed that circumvented the constitution of the United States.

  • Report this Comment On August 25, 2013, at 1:01 PM, kingofrome wrote:

    well one positive thing I know about Obama care is they put a cap on what they can charge you for! making it so each year HOSPITALS cant just keep upping up the charge for surgery and etc. making it so everyone having insurance will put our country in a better spot but I guess lot of people are cheap.. and complaint when your tax dollars is going help people for a change.

  • Report this Comment On August 25, 2013, at 1:08 PM, jammer255 wrote:

    (( If you have health insurance through your employer, most of the Obamacare provisions taking effect next year don't impact you directly ))...That's a bunch of BullS***...I started with Top of the Line Insurance Coverage through BC/BS.. Since this Dictator started messing with ( OUR ) Insurance, Each Year, I have dropped to lower Companies, Lower coverage Higher Deductibles' trying to keep my Insurance to the point now. "as of 8/22/2013" I Have no Coverage & I work for UPS !!...My wife survived Lung Cancer & Heart Attack but, takes 14 different meds on a Daily basis & myself 3 including 2 that's required by DOT Laws...Obama has done nothing but caused Hardships & Headaches for my Family & now we cant even afford to buy a bottle of Tylenol to fight that !!

  • Report this Comment On August 25, 2013, at 1:10 PM, Eviltaxpayer wrote:

    Isnt it sad that 90% or more of the posts' here despise this bill yet our 1/2 black arrogant community agitator continues to force it on us! We have a dictator not a president- this pos is suppsed to represent all ofthe people not just the racist blacks- the welfare leeches or the union parasites

  • Report this Comment On August 25, 2013, at 1:13 PM, Rod333 wrote:

    I'm certainly not opposed to Health care for everyone.. What I am opposed to is, me having to pay or be forced to pay when I have had months in the last few years where I have barely been able to meet my own financial obligations such as House note, insurance, car note, phone. utilities, food, school incidentals .. Clothing...fuel. Heating fuel. Car maintenance, upkeep on my own home.. Feeding the dog and everything else that comes along with trying to be a RESPONSIBLE human being.. You would think that would be enough. I mean seriously. Why is it that just because I make a certain amount of money and someone else makes less than me that I "HAVE SOME LEFT OVER".. Guess what? WE DONT.. I dont care if you mke 20Gs a year or 50Gs a year.. You always need THAT a some more.. The only difference is, I'm paying for my 50GRANDS worth and I'm also paying for THEIR SHORT FALL because I'm in a different tax bracket.. I dont get those "tax rebates" for being in a lower income bracket and having kids.. I don't get "welfare" that they qualify for. Or govt assisted mortages. Or foodstamps .. Or free cell phones or $10,000.00 tax rebates for "UN EARNED" income .. thats what it is actually its UN EARNED income.. Meaning they get some EXTRA from the govt off their kids because they didn't EARN quite as much as some of the rest of us.. HOW IS THAT FAIR? THE GOVT pays them the difference between what I make and what they make in foodstamps, tax rebates and govt assistance programs but """I""" still have to pay for my insurance and they get theirs free? See thats what I'm talkng about IT AINT RIGHT.. Even for single people who get WAY over taxed compared to married or married with children.. They dont get a PENNY back most of the time in tax rebates when a couple that is in the same income bracket can litearlly make out like a BANDINT off of tax rebates, housing programs, foodstamps, cell phones and all sorts of "WELFARE GOODIES".. Its true.. You can't say its not.. THE TRUTH IS.. It doesnt REALLY PAY to work "TOO HARD" in a Socialized welfare state like we have become.. You are better off if you are not in a "wealthy bracket " to just sit back.. Earn a little bit and suck up the SOCIALISM.. Become govt dependant and WAIT ON COMMUNISM to arrive.. Thats what we are on the threshold of anyway whether people see it or not.. ONe dictator away from Nazi Germany and he's already disguised.himself as the "FOODSTAMP PRESIDENTE'''

  • Report this Comment On August 25, 2013, at 1:21 PM, Paulson545 wrote:

    obamacare is just another government handout to the slackers and free loaders of America which will become another expensive entitlement.

  • Report this Comment On August 25, 2013, at 1:25 PM, TheMonstersAreDu wrote:

    I love Obamacare.

  • Report this Comment On August 25, 2013, at 1:28 PM, vet212 wrote:

    only one fact is needed when Obamacare is fully operational DONT GET SICK OR HURT THERE WILL BE NO AVAILABLE DOCTORS OR HOSPITALS

  • Report this Comment On August 25, 2013, at 1:30 PM, TAmerican wrote:

    I already know two things, we have lost control of our own government representatives and we are screwed.

  • Report this Comment On August 25, 2013, at 1:34 PM, AuntClitt wrote:

    I'm a bible belting right winger myself. Say no to Obama care and yes to snake handling and faith healing. No tax breaks - just a free Bible & firearm.

  • Report this Comment On August 25, 2013, at 1:34 PM, wooleebooger wrote:

    The most important thing you should know is that it's the first step in forcing socialist policies and philosophy on America and that it is a concentrated effort on the part of liberal and minority America (same thing), to punish the America they feel is racist and not as intelligent as they.

  • Report this Comment On August 25, 2013, at 1:35 PM, gghanseng wrote:

    On 8/22/13, USBancorp announced the elimination of retiree healthcare, for those retiring after 12/31/13.

    Their rationale for eliminating retiree healthcare is that it is cheaper for retirees to go buy it from, using their given example, AARP, than to have USBancorp pay for it.

    However, current retirees will continue on the USBancorp plan---and this is where their rationale falls apart: If cheaper for FUTURE retirees to buy it on their own from, for example (and they gave this example in their announcement), AARP, then it's also cheaper for CURRENT retirees, and also a dramatic cost savings for USBancorp, to boot.

    By eliminating retiree health coverage, all "credits" are forfeited, so those who may have worked 15 years with their eye on the prize of retirement health care, lose whatever points they had in the game.

    Ultimately this hurts current employees who will, upon retirement, be subject to the winds and storms of whatever this PPACA beast will offer....and as usual with government programs, it will be very expensive, cumbersome, and not very good.

    As for current employee health coverage (before retirement), their announcement declared that nothing was being said about that, "at this time," leaving the door open for all health coverage being eliminated.

  • Report this Comment On August 25, 2013, at 1:37 PM, ThisIsUnReal wrote:

    Attention Parrots and Primates: Your comments are interesting but have any of you read any part of it???

    I see Colliegurl, an obvious Parrot, never saw Title 9, the "revenue section"... 1 trillion dollars in new taxes per year amortized over a 10 year period...

    THAT alone is the reason ObamaCare needs to die quickly... How much insurance --scratch that--- MEDICAL CARE should we be getting for our Trillion Dollars?!? Does ObamaCare provide anything even close?

    All ANYONE has to do is read Title 9, the cost far exceeds ANY amount of medical care the entire American public could use... 100% everything for everybody, should still cost less...

    As far as anyone claiming to be using it... Gotcha... Nothing except some of the tax collections have even started... People that use Tanning parlors have been paying in for over 3 years now... Where is THAT money going?

    Good investment for the Motley Fools? Probably, if you can figure out how to get your share of the taxes... But remember, the Treasury has been cooking the books for the national debt for the last 90 days, so you can't trust the bookkeepers for the Government?

  • Report this Comment On August 25, 2013, at 1:42 PM, oneoldwitch wrote:

    "You also won't have to pay a penalty if you're an undocumented immigrant..." Its called ILLEGAL immigrant - lets start by keeping the words correct. They aren't even supposed to be here, but they get it free - we, the ones who are citizens and WORK for a living pay a higher rate, have our hours cut, pay for the ones who have no right to even be in this country. Lets start by getting rid of the anchor babies and maybe they will go back to the country where they belong!

  • Report this Comment On August 25, 2013, at 1:45 PM, nnamess wrote:

    It is claimed that people will not go bankrupt because of medical bills. However, people who would go bankrupt paying medical bills will now go bankrupt paying the additional cost of health insurance. Most people are barely making it. Chances are, if someone has no health insurance the reason is because they have no money to buy it. So now, they have no money to pay something else. Same difference, same bankruptcies. Usually we hear that lame starbucks argument...the liberals seem to think everybody goes to starbucks and buys a latte every day. Not me!

    Many broke Americans are behind in child support, tax debts, student loans and other government debts. These people will pay high insurance rates only to have their rebates confiscated in their tax returns. This is a boon for the government *at first* but will drive them into the streets and hence out of work-which in the end means more poverty and unemployment and less taxes collected.

    So someone tell me what the difference is in our local taxes absorbing non-paying hospital patients and our insurance premiums absorbing those costs? We pay them one way or another. At least the old way the irresponsible person got a credit ding.

  • Report this Comment On August 25, 2013, at 1:45 PM, SUSAN2941 wrote:

    Hang on to your hat boys, it's going to be a bumpy ride.

    To the credit of the article, I believe the act was intended to give the middle class help. The article cites that the elderly will receive the most and the young worker borne with the increased costs. That does not help the middle class. Second, to the point you need to file income taxes to be served the penality. Well folks, at last pass the povertly level rose from 10 to 15 percent over the past several years. How may of those disadvantaged individuals do you think files an income tax return so that can be slapped with a health care penality...let me guess...mayby zero! So, let's see...should I eat today or pay for my health care...hummm. And so the story goes...

  • Report this Comment On August 25, 2013, at 1:56 PM, TheMonstersAreDu wrote:

    1. Liberty will be dead.

    2. We will become the United States of Greece. 3.The economy will fail.

    4. All the hospitals will close.

    5. There will be no more doctors.

    6. There will be no more full time jobs.

    7. Liberty will be dead... maybe

  • Report this Comment On August 25, 2013, at 2:12 PM, Inez0621 wrote:

    I am not sure where this "my insurance cost will go up" argument came from. Last I check my husbandts and my insurance has ALWAYS gone up. You want to know why? Because there are so many uninsured people that hospitals and doctors have to raise costs to cover those that are uninsured!!!!! I we even pay uninsured motorists insurance for our vehicles to cover those that are not insured and driving cars!!! No one complains about this? Yet there are plenty of adults who work in fast food, childcare etc who cannot afford preventative care so guess what? My kid gets sick and then I or my husband have to pay for them to go to the doctors and take time off of work. I would rather they get the proper care even if that means I have to pay for, because guess what? I PAY FOR IT ANYWAYS!!!!! And those people who are hardly making it would qualify for additional help if their state would offer Medicaid. But then again we do not want to pay for that struggling person.....yet they are tax payers and deserve the same as you and I. We are a society of have and have nots which is sad. As a Christian I tithe 10 percent why is it so hard to give to our fellow man or family who needs medical. Instead we are just worried about ourselves and our own wants. And for those uninsured people on this post, PLEASE be quite because I refuse to believe that you NEVER get sick or don't be foolish enough to believe that you will never need medical. So instead you would go to the hospital get help take ten years to pay your bill, while in the mean time MY insurance will still go up because your taking so long to pay, this is if you pay at all.

  • Report this Comment On August 25, 2013, at 2:17 PM, 123spot wrote:

    I really didn't want to have to weigh in on anything on a peaceful and sweet Sunday morning, but the hate filled invective and misinformation above leaves me no choice. Ignorance cannot stand unchallenged. Especially when it can harm so many people who might believe it.

    I have been a physician for over 30 years. 25 of those in Emergency Medicine and 5 in private practice. Most people who come to the emergency room need care, they are not there for fun.

    True, many of them could have been treated in a less expensive non urgent care setting had they been able to afford it before they show up to me with out of control asthma or diabetic crises requiring hospitalization / amputations of affected limbs, etc.

    Hypertension could have been controlled preventing the strokes which are immediately life altering for the patient and his entire family.

    If any one of the angry people above rolls into the er, say on a stretcher from a motor vehicle accident, he or she will receive equal unquestioning care from a full court press teams of people who live to care for them.

    The differentiation comes when the bill is delivered. The 29year old motorcycle rider permanently disabled with no insurance (though he had enough money to buy that bike) will have his bill paid by all of us- in higher medical bills, higher insurance premiums, etc.

    If he is on Medicaid (and eventually he will be) our taxes will pay his bills and his disability payments. If he has insurance, his bill is covered by other responsible adults who have pooled their premiums to advantage each of them should we have been the ones to whom this accident occurred.

    If he is a hardworking farmer who owns land, a house, a college savings account for his kids, but no insurance- he will lose all of those things before he becomes the ward of the state. His wife and kids will lose their home, their land, their dream of an education.

    Imagine yourself coming in to see me and then imagine yourself as the young man above in each scenario. Which one, if you had to choose and I hope you never have to, would you be?

    Why would we want any citizen in anything but the insured category? We should embrace Obamacare for each other and for our country's future.

    Ther are sure to be glitches, but if we all row together we can work them out and all be better for it.

    And we will have saved the lives and dreams of so many Americans, maybe you. Spot

  • Report this Comment On August 25, 2013, at 2:19 PM, tracker1312 wrote:

    Let's see here. I don't have an employer that provides health insurance. I work three part time jobs. Two teaching college classes and a freelance gig. We make about the median income in the US. I looked at how much health insurance costs and it's ridiculous. At the very minimum, it's $150/month (for a married couple) and that's IF you meet their strict criteria. And you know they will use any excuse at all to charge you more. If they decide you're overweight a little or your cholesterol is a little high (which means nothing really), they'll charge you way more than that. So in reality, it would probably be closer to $300 per month for us because I'm a whole 15lbs over their stupid BMI charts (never mind I'm healthy and my blood work has always been excellent), and that's for catastrophic insurance. That means I'm throwing away hundred of dollars every month, and I'm not getting *anything* in return. The deductibles are $12k, which means it will never pay for anything I need unless I have the unfortunate bad luck to need surgery or something, and then you still have to come up with the enormous deductible, which is about a quarter of my yearly earnings so we would be completely screwed anyway! I haven't been to the doctor in ages, and if I get sick I can pay $95 cash to see a doctor at the urgent care center.

    It might be worth it, if one of these "cheaper" plans actually covered something, but I am not throwing hundreds of dollars away every month for nothing. And we cannot afford the health insurance that would actually pay for stuff because the deductible is zero. It's thousands of dollars a month for a health insurance like that and we don't even make in a month what a plan like that costs per month.

    I ain't buying this crap. I ain't doing it, I don't freaking care. The penalty is a better deal for us. If I'm throwing money away, I'll throw away the lesser amount.

    Obama, and the rest of the politicians in DC, hate the middle and working class. They hate people who work and try to improve their lives. They take from the hard working and give to the lazy, inept idiots who made one bad decision after another with their lives and want to blame everyone but the person in the mirror.

  • Report this Comment On August 25, 2013, at 2:22 PM, tracker1312 wrote:

    @123spot: You say, "The 29year old motorcycle rider permanently disabled with no insurance (though he had enough money to buy that bike) will have his bill paid by all of us- in higher medical bills, higher insurance premiums, etc."

    He didn't have enough money to buy that bike. He got a loan for it lol and can probably barely make payments on it. 70% of Americans are in debt up to their eyeballs.

  • Report this Comment On August 25, 2013, at 2:34 PM, pickles679 wrote:

    Go read the kennedy health care bill and how it exempts all members of politics. So the rich don't have to pay, but the poor do. We have just crossed another barrier for the super Elite Interests to continue with their manipulation on everything.

  • Report this Comment On August 25, 2013, at 2:38 PM, Einstein62 wrote:

    95.00, that's the penalty? The Republicant's were as usual blowing things out of proportion and trying to scare the heck out of people. 295.00 for a family? Hardly economic devastation. Like say one visit to an emergency room.

  • Report this Comment On August 25, 2013, at 2:47 PM, tracker1312 wrote:

    Hey, and one more thing. Lots of doctors already aren't taking insurance. The insurance companies refuse to pay them on time, and try to reduce the amount paid so they can't afford to run their practices. I hear lots of ads on the radio for doctors that advertise a more "personal" experience and lots of time with the patient, because they only take cash.

    Obamacare is only going to make the situation worse. Until you have a reasonable system for insurance that isn't for-profit, the costs will continue to climb as the insurance companies attempt to meet their shareholders requirements, while simultaneously trying to meet government regulation. It's a disaster of epic proportion.

    And btw, I'm not a Republican (to those of you who are so blind that you support your party no matter what they do and try to say that people who disagree with you are just disagreeing because they're not in your party). I'm a registered Independent that used to often vote Democrat, but in recent years, I see the Dems aren't any better than the Republicans, and in fact, I think I've come to the conclusion that they are indeed worse. Their blatant disregard for the Constitution is ridiculous. I've made up my mind that I will never vote for a Democrat again. None of this will be fixed by Republicans or Democrats. We need citizens in DC who will actually work for the good of the People, and not for the good of Insurance Corporations.

    Throughout history, corruption has been the downfall of every civilization that has collapsed. Right now, DC is full of corruption. Put two and two together and you'll get four.

  • Report this Comment On August 25, 2013, at 2:49 PM, bahzing1 wrote:

    This is not all you need to know about Obama,

    maybe all you need if you are an idiot, with no thought about our future,

  • Report this Comment On August 25, 2013, at 2:49 PM, tracker1312 wrote:

    @Einstein62: "95.00, that's the penalty? "

    That's the penalty the FIRST year OR 1% of your adjusted gross income, which ever is LARGER. For us, it looks like the penalty will be $300. Still cheaper than health insurance.

    After that, it goes through the roof. This whole thing is a disaster.

  • Report this Comment On August 25, 2013, at 2:51 PM, Lois42 wrote:

    Motley's fools have certainly the following of them. More brazen than those against the Social Security Act... but one and the same and tell me one person who has paid in and is sorry they currently have social security. What Fool would want to be without health insurance if they developed cancer or had a heart attack, those things can be prevented or cured with good health care. What if every hospital in America lobbied for and got a law that permitted them to provide NO service to those people who couldn't pay. Yes the doors are open to all now with or without insurance but We insured are the fools are paying for those without it. Nobody's life is more valuable than others... So those with comments about the low life's need to help- not hinder those people. With more getting health care will provide more jobs for people in the health care industries - except when greedy board of directors try to squeeze current employees to the breaking point.

    Your anger here on this posting site tells me you better have some health care insurance because you will need it. Mind and Body.. one and the same.

  • Report this Comment On August 25, 2013, at 3:03 PM, babes58 wrote:

    I am excited about the obama care, I have worked for the past 30 years and I am now unable to work due to medical conditions, my employeer of the past 25 years separated me from my job and cut off all my benifits including health insurance. I am unable to get medicade or any other assistance. at the present time I can't afford to go to the doctors or get my monthly percriptions.My husband so to speaks makes too much money, 1200 a month to pay rent living cost, car insurance, food ect.

  • Report this Comment On August 25, 2013, at 3:15 PM, bckjnk wrote:

    if I can't afford insurance now..why the hell does Obama think I can afford it under him????

  • Report this Comment On August 25, 2013, at 3:16 PM, globeflyer wrote:

    " You won't be directly affected too much -- if you have health insurance through your employer."..... I beg to differ. UPS fired the first shot and my company just sent out a memo (essentially) letting us know that "adjustments" to our co-pay, deductibles, and such were coming. Just another way to "equally distribute" the wages of the working man to the non-producers.

  • Report this Comment On August 25, 2013, at 3:19 PM, Dayo2 wrote:

    Get on the internet and type in Doctors suicide and you will find out that 18% of the female Doctors and 12% of the men commit suicide. Also get on 60 minutes and YouTube and you will see why they are committing suicide due to the profiteer hospitals in charge of them. The one percent and the stock market and the 535 persons working for them directly and indirectly are doing many things to destroy America. Such as killing 400,000 persons a year and messing up another 5 out of ten. It is no doubt technology is here, but the profiteers have control over technology and overseas Pharmaceutical companies are teaching our Doctors for profit only. We in America are taking 90% of the worlds pills that are killing and causing ALZ, Dementia, Cancer with the overwhelming test, and on and on. When Nurses and Doctors realize what is happening in America and not in any other country for profit, then the good doctors realize what is going on and go into depression and commit suicide mostly. If you watch 60 minutes you will realize that the profiteers have control over the doctors and the doctors even though around 65% should not be going into the emergency room or taking unnecessary tests, the profiteers fire and disarrange the doctors if they do not proceed with the medical profiteering rather than medical needs and technology. Those 535 persons running this country are working for the one percent directly or indirectly and the worst is the brainwashed American citizens who do not get together and proceed to with documentaries from DOCUMENTARIES ON NETFLEX FROM NOVA, PUBLIC TV, NATIONAL GEOGRAPHICS AND 1000’S OF

    OTHERS

    Medical ones

    (Burzynaki)

    Generation RX by Fred A. Baughman, Jeanette and Peter Blabrough

    The Business of Being Born

    (Lobbyist)

    Dive

    The Business of Being Born

    (Zeitgeist) by Peter Joseph, Robert Sapolsky, Gabor Mate

  • Report this Comment On August 25, 2013, at 3:26 PM, shakazullo wrote:

    SO NOW WITH OBAMACARE MANY MORE MILLIONS OF FREE LOADERS CAN GET ANY AND ALL MEDICAL TESTS THAT MONEY HUNGRY DOCTORS CAN NOW PRESCRIBE AND THE WORKING FORCE OF AMERICA WILL NOW BE FORCED TO PICK UP THE BILL--THIS IDEA IN ITSELF IS ANTIAMERICAN AND THE STUPID PRESIDENT THE EXTREMELY DUMB SUPREME COURT AND THE DUMB 535 SHOULD ALL BE THE ONES RESPONSIBLE FOR THIS TAB NOT THE TAX PAYERS--THERE IS ONLY 1 PERSON WHO IS SO STUPID THAT COULD EVER DO THIS TO THE COUNTRY THEY SAY THEY LOVE BUT IT TAKES EVERY OPPORTUNITY TO DESTROY AMERICA EVERY CHANCE IT GETS

  • Report this Comment On August 25, 2013, at 3:37 PM, roger142 wrote:

    While I don't like the employer mandates, the part of the ACA covering individuals getting insurance is long past due. I realize in my state, Ga, premiums are going to go up at least 25% in 14, but I am guessing with the 80/20 mandate the premiums will come back down in 15.

    The one thing too many people over look is how hospitals gouge, and I mean royally gouge uninsured people for emergency room treatment. My local hospital charges the uninsured $5k for a CT scan, they charge insurance companies $800.

    They charge the uninsured $37k for an emergency appendectomy, they charge insurance companies $12k. Please note these numbers are accurate, and if you will do a little research, you will find hospitals in your area are just as bad.

    People have been complaining about the soaring cost of health care since the 1970;s when cost started going up 10% every year. Since 2000 when I got an individual policy my premium has gone up an average of 18% a year.

    Congress has had their chance to do something, but they were too busy cashing the campaign checks the medical industry lobbyist gave them.

    Non profit hospitals are extremely profitable, and if you don't believe that, do a little research. The hospital itself may be non profit and get all the big tax breaks and subsidies, but all the doctors and most of the staff work for contracted for profit companies.

    Most group insurance polices already offer more coverage than the minimum required, so their prices should not go up any more than usual. As for those of you claiming all the dead beats will get free insurance, a person has to have a job and make over $11.7k to qualify for a subsidy.

    I think Romneycare would have been a better more basic solution, but we all realize that was never going to happen nationally. But if it would have, I'm sure the same people against Obamacare would have supported their parties program.

  • Report this Comment On August 25, 2013, at 3:45 PM, TSP1973 wrote:

    Simply it is a complete disaster and train wreck!

  • Report this Comment On August 25, 2013, at 4:11 PM, Brian1963 wrote:

    Roger 142 I think that otrauma care is a joke and it should be repealed. Impeach Obama and send him to gizmo with all the terrorists. His failed policies have doomed our country for many years now and many other countries think America is a joke and they laugh at us.

  • Report this Comment On August 25, 2013, at 4:23 PM, nobobodysfool wrote:

    UPS cancelling your wifes coverage because of obamas illegally made new health law! 15,000 cancellation's as a matter of fact.

    Dont check yes on your tax form next year for obamacare, This is a constitutionally illegally made law and is in violation of the U.S. Constitution and your civil Rights . You have a right to sue the federal govt. on this illegally imposed mandate.

  • Report this Comment On August 25, 2013, at 4:24 PM, davbrian wrote:

    Obamacare is needed as the current insurance system is broken as most people have high deductible policies. The Republicans do not know what they are talking about. The providers are over-paid and Obamacare will limit insurance profits and management fees to 15%. The bottom line is that you need more participants in the system to bring the costs down for everyone. The republicans want the opposite as they do not understand how insurance works. Providers are a big problem as they are paid based on procedures which is not working. Brian

  • Report this Comment On August 25, 2013, at 4:40 PM, chrismireya wrote:

    This article is somewhat misleading. Obamacare can affect you EVEN IF you have insurance through your employer. After all, insurance rates are going up...employers are dropping insurance coverage (particularly to spouses and family members)...and coverage is being diminished.

    This is the worst policy from one of the most incompetent presidents in US history.

  • Report this Comment On August 25, 2013, at 4:45 PM, chrismireya wrote:

    Obama and his Liberal friends have done their best to DRIVE UP INSURANCE PREMIUM RATES through this mediocre, messy legislation.

    It will affect EVERYONE.

    If 72% of Americans are living "paycheck to paycheck" and have nothing left at the end of the month, then how can they afford purchasing insurance JUST BECAUSE the president demands it?

    After all, very few Americans will be receiving "free" health care. Even individuals living on minimum wage will have to pay for a portion of it by themselves.

  • Report this Comment On August 25, 2013, at 4:50 PM, ryanchandler25 wrote:

    Way to help out the economy, Obama. So if a person or family is struggling to make ends meet or trying to save their home from foreclosure or having trouble finding a job, it makes a lot of sense to penalize them for not carrying insurance.

    My mom, for example, as a decent middle class job. In the past her employer provided 100% of her health benefits. Now under Obamacare she will have to pay in roughly $100 a month. This is $100 that could have been spend on buying goods and services, thus contributing to the economy and someone's job. But now this $100 will go toward someone else's insurance.

    In my state the bronze plan carries a deducible of almost $4,000. Bogus about it being less costly.

  • Report this Comment On August 25, 2013, at 5:01 PM, govtisscum wrote:

    Didn't they have some stupid article of 10 things you need to know about Obamacr#p last week.

    When those who serve us in Washington sign up so will I. Until then stick it where the sun don't shine Obama!!!! That includes you pathetic unions who opted out as well.

  • Report this Comment On August 25, 2013, at 5:06 PM, jimatmad wrote:

    The Tea Partiers are intent on denying health care coverage to 30 million Americans, including 10 million children....

    ... and rigging the system so Mitt Romney and his buddies can take more money out of the American economy and can send it to Switzerland and the Caymans where it will never create one American job.

    To accomplish this, they intend to destroy America's credit rating for a generation by refusing to pay our existing owed debts.

  • Report this Comment On August 25, 2013, at 5:15 PM, plange01 wrote:

    the disgrace obama is close to being impeached and then his ridiculous healthcare bill no one even wanted will be out in the street right behind him!!

  • Report this Comment On August 25, 2013, at 5:21 PM, Stevegarry22 wrote:

    This story as with all the promotional story's for odumbocare is, they aren't telling the entire story.

    My BC&BS has already gone up 29% since 2009, my CO-Pays have gone from $500.00 per year to $4000.00 per family member per year. The fact is and Harry Reid stated it to the press, he intended Americans to hate it and obamacare not to work, so we could move right into Government single payer health care. Socialism failed in every country it's been tried in and we Americans DON'T WANT IT!

  • Report this Comment On August 25, 2013, at 5:32 PM, Colliegurl wrote:

    I am reading a lot of misinformed comments above. If you have insurance through an employer You meet the requirements of the mandate.. If you have tricare or medicare, you meet the requirements of the mandate.

    If you're uninsured or self employed, you can check out the exchanges to see what private sector plans it has to offer. You may qualify for assistance. If you want nothing to do with the exchanges, find a plan in the private market.

  • Report this Comment On August 25, 2013, at 5:33 PM, EricMJohnson wrote:

    If something is needlessly complicated, it is probably because someone is ripping you off. In this case the insurance companies, part of the cabal of banks and corporations that own our government, is getting taxpayer subsidies and tax benefits so they make money at the expense of the tax slaves. Ain't corporatism great? For the corporate/political class it is.

  • Report this Comment On August 25, 2013, at 5:37 PM, sunflower2014 wrote:

    A local business in my area tells their employees its cheaper for them to pay the governments fine rather than pay for the employees insurance.

  • Report this Comment On August 25, 2013, at 5:38 PM, Colliegurl wrote:

    My employer health care coverage has not gone up. In the last four years health care inflation has slowed. In fact, if insurance companies raise prices too quickly or their profits are too high, they are required to refund the insured. Millions of Americans have received over a billion dollars in refunds. This provision is called the 80/20 or 85/15 medical loss ration. It was proposed by Al Franken. We had this provision in MN before the law took effect.

  • Report this Comment On August 25, 2013, at 5:41 PM, Colliegurl wrote:

    Small business(under 50 employees) are exempt for the health care mandate. Their employees may get better coverage on the exchanges where they can apply for assistance and tax credits.

  • Report this Comment On August 25, 2013, at 5:45 PM, girliegirl2012 wrote:

    How does Obama think employers can offer insurance when so many people are out of work. People can not afford the necessities as it is, much less a fine for not being insured. This administration had made a mess. Wonder how all the people that voted for him feel about him now?

  • Report this Comment On August 25, 2013, at 5:45 PM, Colliegurl wrote:

    I read about a middle age man who stopped at an Obamacare exchange information booth at the fair. He didn't realize that the exchanges are part of Obamacare. He left saying this is going to be a good deal for me " a lot better than Obamacare," he said.

  • Report this Comment On August 25, 2013, at 5:48 PM, Colliegurl wrote:

    Low income people will qualify for medicaid in the states that agreed to expand medicaid. If you income is above 133% of poverty, you will qualify for assistance to purchase health care. The law states that no one will be required to pay more than 10% of their income.

  • Report this Comment On August 25, 2013, at 5:49 PM, Colliegurl wrote:

    Go to healthcare.gov for more information about the benefits of the law.

  • Report this Comment On August 25, 2013, at 6:08 PM, tcandadai wrote:

    The comments I read were mostly negative about ACA (aka Obamacare). That is understandable since NO ONE knows exactly its full impact. I wish this could be reviewed and adjusted to make it understandable. After all, WE THE PEOPLE, will be impacted.

  • Report this Comment On August 25, 2013, at 6:35 PM, gulfcoastrebel wrote:

    If you do earn less than four times the poverty rate and are buying insurance on the exchanges, you will pay no more than 9.5% of your income - less, down to 2% if you earn closer to the poverty level. That how this is 'affordable'. Seems like that qualifies as something we 'need to know'.

  • Report this Comment On August 25, 2013, at 6:41 PM, gulfcoastrebel wrote:

    If you earn four times the poverty level and need insurance, you can buy it for no more than 9.5% of your annual income - less as your income lowers. To be clear: 400% of the FPL is about $44,000 for a single, $62,000 for a couple and $80,000 for a family of four. That covers a lot of people: 67% of Americans will qualify for a subsidy if they don't get insurance through work. So everybody gets insurance that they can afford. What are people's problem with this law!

  • Report this Comment On August 25, 2013, at 6:42 PM, nnamess wrote:

    Stripped of the gibberish, the premise here is that government force is needed to get people to take proper care of themselves.

    So from a philosophical view, how do we determine the limits of government interference in the lives of citizens? If one form of force on individual liberty (with good intention) is moral and proper, is all force proper? Where does it end?

    I find it odd that we already live longer than ever before and at the same time, we find it more necessary than ever before to use force to make sure people can get medical care. Imagine forced medical insurance when people averaged 35 year lifespans! Or where they do:

    Many African countries are completely impoverished. Perhaps they would be richer if they only established nationalized health care? That is the theory. But in reality, nationalized health care and mandatory health insurance are not concepts that save nations money-they are available to nations already rich enough to afford them. Furthermore, this crap is shoved down our throats by confusing three terms-health, health care, and health insurance...and making them all sound the same. An unhealthy nation cannot afford complete health insurance until it improves its health, NOT its health care system.

  • Report this Comment On August 25, 2013, at 6:45 PM, gulfcoastrebel wrote:

    If you want to see if you qualify for a subsidy, and how much it would be, go to the Kaiser Family website's subsidy calculator, and enter your income, family size, and ages, and find out. Nothing complicated there. 67% of Americans will. There is no need or excuse for being without insurance anymore.

  • Report this Comment On August 25, 2013, at 6:51 PM, chanderama wrote:

    The ACA is already in effect. I haven't seen one comment EVER about the extension of health care benefits to children up to age 26! I have never seen one negative comment about the requirement for health insurance carriers to provide wellness benefits or preventative care in all health plans. These requirements are in effect now! Anyone with health plan has these benefits. Also, those with health insurance may have already received and spent their refund due to the requirement for carriers to refund premiums to insureds, if the premiums collected were greater than the 80/20 rule. People spent that money without batting an eye. Most people received at least $200.00. This should mean the carriers will DECREASE the premiums.

    There are four levels of coverage to choose from.

    And lastly, some of these complaints against the ACA are similar to complaints made against Medicare before it was implemented! When was the last time you heard someone reject Medicare?!

    Most of the people against "Obamacare" are already reaping its benefits. It's those who have little income and no insurance who will now have another bill to pay! I haven't seen one complaint about that!

  • Report this Comment On August 25, 2013, at 6:59 PM, nnamess wrote:

    Last I checked, the national debt clock was registering at 151,000 dollars per taxpayer. That is above and beyond what you already owe in your personal debts.

    Enjoy your health care rebates. You are borrowing them from yourself. Correction: you are stealing them from your unborn children.

    Of course nobody is going to want to play the fool and turn down the money. A little common sense please? Just like no Liberal that opposes wars overseas is going to refuse to pay income taxes to fund them. Or person that does not like corporations (eg Walmart) is going to refuse to work for one when they drive all the other employers out of town. But we DO have the right to complain when the public is ignored by its representatives as it clearly was with Obama Care.

  • Report this Comment On August 25, 2013, at 7:13 PM, Colliegurl wrote:

    nnames, Last I check the debt and deficit were driven up by Bush's wars and tax cuts. Did you complain when Bush passed the trillion dollar Prescription Drug benefit?

  • Report this Comment On August 25, 2013, at 7:14 PM, nnamess wrote:

    Colliegirl, yes I did. I voted for Ron Paul and did not enjoy being sent to fight. Please stay on topic.

  • Report this Comment On August 25, 2013, at 7:14 PM, tracker1312 wrote:

    @Lois42, "What if every hospital in America lobbied for and got a law that permitted them to provide NO service to those people who couldn't pay."

    Oh, someone finally came up with why this whole thing is a ridiculous affront to humanity in the first place. Why do so many people go into medicine? Because they want to make a bunch of money. People used to go into medicine because they wanted to help their fellow man. Now, most go into it for the money. Healthcare costs are outrageous, and most of it is because of mismanagement and corruption and the health insurance industry. What you say? How can health insurance be the cause of the increase in prices? Because it created a gold mine. In much the same way that the cost of college has gone through the roof because student loans are so easily accessible.

    Why should human misery be profitable?

  • Report this Comment On August 25, 2013, at 7:20 PM, Colliegurl wrote:

    I am responding to your comments. The deficit is falling rapidly. CBO says health reform decreases the deficit so stick with the facts. Americans by wide margins support the provisions in the law.

  • Report this Comment On August 25, 2013, at 7:33 PM, tracker1312 wrote:

    Roger142, someone in my family had an emergency appendectomy. They had health insurance. They had to pay $10k out of pocket. The total bill was $55k with insurance. You are right that they charge the insurance companies less, but you've failed to grasp which came first. The insurance companies refuse to pay any more than that, and so they don't, leaving the hospital to charge what ever they can to anyone else that might pay. Of course, if you have cash up front, the opposite is true. You will get a better price than the insurance company gets even, because they get paid right then and there.

    And I think that $400 a month (and that's *with* the subsidy) to a couple making the median income in the US is freaking ridiculous amount to pay. And I read these trash news articles that are like, 'oh, that's a great price.' What these fools didn't take into account is that most Americans live paycheck to paycheck. Where are they going to get hundreds of dollars a month to buy health insurance with? They are already on the brink of economic disaster and this is like throwing gasoline on a fire. "Only" 9.5% of your income is HUGE when you make $45k a year, have a car payment, student loan payments, a mortgage and the rest of the debt that the average American has. I'm sure the average politician doesn't grasp this, because they have free health care and make $182k per year minimum. And they have full retirement paid for courtesy of yours truly -i.e. the taxpayer. I'm sure that the poor will come out just fine as well. If you make minimum wage, it won't be a problem for you. It's only a problem for the middle class who have busted their derriere's to have anything.

  • Report this Comment On August 25, 2013, at 7:36 PM, Brian1963 wrote:

    I dumbo. Has done it again worst law ever. Worst president ever oust the dictator in cheif!!!!!

  • Report this Comment On August 25, 2013, at 7:38 PM, tracker1312 wrote:

    Colligurl, the deficit is falling rapidly? LOL that's a good one. Do you understand that a deficit of any amount is bad? That's like saying, I'm $200k in credit card debt, and I only charged $5k last month instead of charging $5200 like I did the month before. Therefore I've done "better" and have improved my "deficit". Meanwhile, I didn't pay anything on the total debt, but allowed interest and fees to accrue. Next month I'll only charge $4900, which is another "improvement". That right there is our federal government in a nutshell. See: House of Cards.

  • Report this Comment On August 25, 2013, at 7:39 PM, gboth36 wrote:

    The Motley Fool, a mouth for the Obama agenda. Funny how you word your puff piece. You might be fined. You may not be quilified for. Does Obama's dick taste so good you will lie to the American people to push his will? You must get a G'ment kick back.

  • Report this Comment On August 25, 2013, at 7:40 PM, Brian1963 wrote:

    Nothing good to remember the president for when he leaves office. The majority of the American people will remember him for what he did not accomplish during his 8 yrs as president. If any person or liberal can factually dispute this then bring it on!!!

  • Report this Comment On August 25, 2013, at 7:43 PM, Brian1963 wrote:

    I vote we impeach our president

  • Report this Comment On August 25, 2013, at 7:43 PM, p2krazee wrote:

    Simple proof that there IS no limit to stupidity, in America today! Just read the comments! people saying that their premiums will double, but NOT tell you how or why they came up with such ignorant information! Everyone can tell you EXACTLY what is going to happen, but not why, all while admitting that they don't REALLY know exactly what really is going to happen!

    The republicans have voted 40 times to repeal the insurance act, but have refused to do ANYTHING else! They have NEVER ONCE offered anything to replace the ACA, but want to scream about needing to have healthcare. Really? Isn't it illegal to be THAT stupid? If it isn't, it SHOULD be!

  • Report this Comment On August 25, 2013, at 7:56 PM, p2krazee wrote:

    This story as with all the promotional story's for odumbocare is, they aren't telling the entire story.

    My BC&BS has already gone up 29% since 2009, my CO-Pays have gone from $500.00 per year to $4000.00 per family member per year. The fact is and Harry Reid stated it to the press, he intended Americans to hate it and obamacare not to work, so we could move right into Government single payer health care. Socialism failed in every country it's been tried in and we Americans DON'T WANT IT!

    One word. LIE!

    Now, that having been said, perhaps this person has paid 3 or 4 thousand dollars in premiums, but collected MILLIONS in benefits! My BSBS insurance went up too, but only because I moved into a different age bracket, as everyone does every 5 years!

    I just don't understand WHY people feel like they HAVE to lie, just to make a point! That makes the point a lie, but they are just too stupid to realize that!

  • Report this Comment On August 25, 2013, at 7:59 PM, Boonman wrote:

    The obamacare law will reduce the quality of medical care for 85% of Americans in order to give sub standard care for those who for whatever reason do not have insurance. It will soon not be affordable for all but the weathy.

  • Report this Comment On August 25, 2013, at 8:21 PM, p2krazee wrote:

    For those of you that refuse to have insurance, please explain to me why I have to pay for your medical care? You are bum's and lazy refusing to work, and should be sent to the back of the line, when you go to the emergency room, for your little hang nail! I a tired of the mooches. Get a job, and out of my pocket!

  • Report this Comment On August 25, 2013, at 8:26 PM, jes61356 wrote:

    If we let ObamaCare go through without a fight we are all fools! I read it. Who in their right mind would give the IRS that much power as to oversee our Health Care? If the Government can force you to buy a product, in this case Health Insurance they can force you to buy anything that they want you to buy in the future. THIS MUST BE STOPPED NOW! They called it a tax to try to get it in through the back door. Congress and the IRS are exempt. I don't know about you but I am not going to pay a damn dime penalty and I'm not signing up for it. There comes a time when you just have to say they have gone to far and this is it. To fine people $95 for not having Govt. approved Health Insurance and that fine goes up to $695 the next year. If Congress is exempt then I as a U.S Citizen under our U.S. Constitution declare myself exempt also!

  • Report this Comment On August 25, 2013, at 8:37 PM, jes61356 wrote:

    I produced this video which explains ObamaCarehttp://www.youtube.com/watch?v=-hlB5dqECLI&feature=c4-overview&....

  • Report this Comment On August 25, 2013, at 8:37 PM, vtxnana wrote:

    "You also won't have to pay a penalty if you're an undocumented immigrant." Now, how does this make sense? So, no penalty if you are here illegally, but the hospitals still have to treat you. This is what has created a lot of the problem. People with no insurance or documented employment who are treated in emergency rooms.

    I also don't get how this would benefit Robert Half. When you work at a temp agency, you are an employee of the temp agency, not the company where they place you. I am quite sure that Robert Half has quite a few more than 50 employees nationwide.

  • Report this Comment On August 25, 2013, at 8:40 PM, Colliegurl wrote:

    You don't have to sign up for anything. Congress is not exempt. Congress has insurance. If you don't have insurance, you are required to buy insurance. You can buy it on the exchanges where they offer private insurance or you can buy it from an insurance company that is not on the exchange.

  • Report this Comment On August 25, 2013, at 8:50 PM, Colliegurl wrote:

    Tracker, You do understand that Bush created the deficit by cutting taxes and adding unfunded spending on wars and entitlements. You can't just come into office and erase the deficit. More people are employed and Obama has raise taxes on those making over 400K. Congress also allowed the payroll tax holiday to expire. Fannie and Freddie are paying back their loans.

  • Report this Comment On August 25, 2013, at 8:54 PM, Colliegurl wrote:

    Tracker, No you don't get a better price if you don't have insurance. Insurance companies negotiate lower prices with their providers.

  • Report this Comment On August 25, 2013, at 9:01 PM, Colliegurl wrote:

    Tracker, The cut off for assistance is 45k for an individual. The cut off for a family is 80 something. Parents have to make health insurance a priority for their families.

  • Report this Comment On August 25, 2013, at 9:02 PM, dogguy55 wrote:

    I have Romneycare, soon to be known as Obamacare, which was formerly knows as

    Ronmneycare, with improvements.

  • Report this Comment On August 25, 2013, at 9:06 PM, dogguy55 wrote:

    I have Romneycare.

  • Report this Comment On August 25, 2013, at 9:11 PM, Colliegurl wrote:

    Thisisunreal, You are calling me a parrot and then proceed to parrot Rush Limbaugh?

  • Report this Comment On August 25, 2013, at 9:13 PM, NEPA18704 wrote:

    I believe every state that has rolled out premiums for the Affordable Care Act has come in way under estimates. There was a report from Kentucky which is implementing KYNECT and signing up people to participate of one guy that showed up and agreed to sign up after reviewing the program. He was heard to utter as he walked away that he hopes this program is better than Obamacare not realizing that is what he signed up for.

  • Report this Comment On August 25, 2013, at 9:14 PM, hetch9 wrote:

    I have read all the comments here, and it is true that the Obama care program will mess up a lot of things with the insurance not only for the employees but for the employers, the employees if they do not take insurance (some form of ) then they will pay a fine of close to $300 RIGHT OUT OF THEIR TAX RETURNS. and the employers if they do not offer some form of insurance for their employees they could be fined up to $3000 per employee, (AGAIN IF THEY HAVE MORE THAN 50 AND IF THEY ALL WORK MORE THAN 30 HOURS.)

    mind you 30 hours is the new FULL TIME, no longer is it 40 hours. so what will employers do they will cut hours for all there emplyoees as MY BOSS(OWNER HAS TOLD ME ALREADY) AND EACH new interview I go on have told me do not expect more than 29 hours a week.

    I BARELY SURVIVE ON 50 HOURS A WEEK, now I like so manymore employees will have to beat the rush and TRY TO FIND THAT SECOND JOB. so instead of staying with one company or business now you have to beat the rush, get a new resume again, and hope that you do good on your interview to get that second job.

    and in turn this will put more people on the UNEMPLOYMENT LINE, BECAUSE there are just so many jobs available.

    in the restaurant business as I am, there are just so many server or cook positions.

    this whole obamacare is going to put so many more people into a stressful situation.

    TO ALL THE PEOPLE WHO VOTED FOR OBAMA THANK YOU VERY MUCH !!!!!!!!

    for screwing my life even more!!!!

  • Report this Comment On August 25, 2013, at 9:18 PM, Colliegurl wrote:

    "This year’s rise in premiums remains moderate by historical standards. Since 2003, premiums have increased 80 percent, nearly three times as fast as wages (31 percent) and inflation (27 percent).

    “We are in a prolonged period of moderation in premiums, which should create some breathing room for the private sector to try to reduce costs without cutting back benefits for workers,” Kaiser President and CEO Drew Altman, Ph.D., said.

    “Ensuring that workers have access to affordable coverage is important for our health care system and slower premium growth is supporting that,” said Maulik Joshi, Dr.P.H., president of HRET and senior vice president for research at the American Hospital Association. " Kaiser Family Foundation

  • Report this Comment On August 25, 2013, at 9:59 PM, Scanner89 wrote:

    HERE"S 7 THINGS CONSERVATIVES THINK THEY KNOW ABOUT OBAMACARE:

    1. They think it's an insurance plan and everyone has to sign up.

    2. They think it's socialism.

    3. They think Congress is exempt from Obamacare.

    4. They think it was a Liberal idea, when it was a Conservative idea.

    5. They think they shouldn't have to pay taxes, everything should be free.

    6. They think we aren't already paying for everyone.

    7. They think illegal immigrants can sign up for "Obamacare."

    Pretty much a large group of lummoxes.

  • Report this Comment On August 25, 2013, at 10:23 PM, dpissedoff1 wrote:

    Now I pay $213 for me and $424 for my wife who smokes and has RA. That's $637 per mo. The NEW MN health insurance "exchange" just quoted me $1687 per mo for a mediocre plan than meets Obamacare specs. No Thanks.... My employer would offer me mediocre coverage at $850 per month. No Thanks.... This is a rip off pure and simple for any white middle class American.

  • Report this Comment On August 25, 2013, at 10:41 PM, reel01 wrote:

    There are so many FOOLISH posts here it's hard to know where to begin.

    I guess I'll start with all the Obama and democrat haters and those who are crying the constitutional blues. I can invalidate everything they have said with just ONE LETTER! That letter is "W".

    To those of you getting your "facts" from Fox News remember, they are NOT a news program! They are only Republican political propaganda. They do show news on fox but that is only so they can claim that Obama and the Democrats are doing too little, too much or, in some cases, both to little and too much in their own confused opinions.

    The Republicans claimed (when they foiled First Lady H. Clinton's attempt at devising a national health care system) that it is their job to do, not hers. Well, starting with Reagan and ending with Obama's first term, they have had 32 yeas (that I have been watching this issue) to come up with a solution. To date, not only have they not put forth ANY EFFORT WHAT SO EVER, they have fought tooth and nail against anyone who has. Using fear of change and the unknown to scare people into being afraid of anything and everything in order to get or stay in power. Sounds to me like the people that shouldn't have any power of any kind.

    To the guy crying that he pays $150 a month for medical insurance and that could go as high as $300 a month (a guess he was making), I have no sympathy for you. I pay $900 a month for myself and my daughter. I only pay that much because I switched to the lowest level of care available through my employer. If I hadn't it would be $1,500 a month! Wanna switch payments? Didn't think so.

    Long before "W" and all the problems that have happened during and since him, I read an interesting article. It brought up the statistic that 50% of the Americans who had their homes foreclose on were people who had medical insurance but were still driven under by the costs of medical payments beyond what their insurance covered. 50%!!! How does anyone in this country NOT see that this is a huge problem for this country as a whole? In W. Bush language, this would be a matter of "National Security"! (So why aren't we water boarding the members of congress who are intent on perpetuating this tragedy on the American people?) Now imagine how much worse it is for people who don't have insurance!

    If you don't want to pay, or help pay, for someone else's medical expenses, then you need to support the national health care effort because without it, YOU ARE PAYING FOR THEIR MEDICAL CARE!!!

    Don't believe me. Look at your own medical bills. I worked in a high risk field for quite a long time. In those decades, I had quite a few medical issues both on and off work. I got to see the bills for both. In both cases, the bills from both emergency rooms and doctors offices were MORE THAN DOUBLE what the insurance company and the health care providers had agreed was a reasonable charge. As a result, just by having insurance, the bill was cut in half. My portion was then a small portion of what was left. So that's a SMALL PORTION OF HALF! Now take an uninsured person with the same injury. There is no "reasonable charge" limit so the bill is twice what mine was and they are stuck paying the entire bill, or are they? The hospitals add on a charge to the bills of people WHO HAVE INSURANCE to cover their "losses" . Remember, their losses are twice the reasonable charges and those charges are passed on to the rest of us at the non-discounted rate! Even a little blood work and a few hours of lying on a very uncomfortable bed, while being ignored, quickly runs into thousands of dollars. That's what we're already paying now for other people! Also remember that an ounce of prevention is worth a pound of cure. People who can't afford insurance usually can't afford doctors either, so they don't go see them till a little problem becomes a huge problem. That huge problem leads to huge bills! And who gets stuck with that bill? The people with insurance do. So why don't you want people to have their own insurance? Oh yea, some guy told you that it's going to cost you money. Well too late, it already does. You just didn't realize it.

    For those of you looking for the short version, this IS the short version.

  • Report this Comment On August 25, 2013, at 10:48 PM, TheOrakel wrote:

    What IS ––– ObamaCare?

    Is it Government Health Insurance? Nope.

    Is it like Medicare... ObamaCare? Nope.

    Is it a take-over of private insurance? Nope.

    Is it a set of reforms to the health care industry? Yes!

    Why did the GOP re-name the Affordable Care Act as 'ObamaCare'? Easy. They wanted to SCARE Americans into thinking that this was an alternative to their private health care insurance. Most blog comments here say, "We don't want ObamaCare, we want our own insurance." "We don't want to be forced into ObamaCare." See what I mean. FOXNEWS and the GOP did a great job convincing naive Americans and most Conservatives, that "Buying their own insurance is bad." Even more shocking, and sad, is most Tea Party folks say –– we don't want to buy any health care insurance? But that's the problem in the first place. Irresponsible and/or lazy folks not buying auto and/or health insurance. You go to the ER for free, and bill the American taxpayer. But as the ACA says, "Buy your own friggin' insurance, already... stop getting free Government cheese... we can't afford your lazy ashes anymore!" And most WELFARE is in the RED STATES! Go figure!

  • Report this Comment On August 25, 2013, at 11:12 PM, creakybones1939 wrote:

    I'm surprised how many of you know NOTHING and want to know NOTHING about Affordable Care Act (Obamacare) because you type in stupid replies. You act as if you don't want to be insured but want ALL your health issues handled for FREE and if so by whom? YOU want the burden on someone else's shoulder just not yours, why should YOU do your fair share - right?

    I am finding 01/01/2014 VERY BENEFICIAL with my crossover of insurance for it will cost me a little less but I will have a lot more - A LOT MORE in the way of freer medications which I pay a higher cost as of now. Receiving coverage for Acupuncture, way better dental and classes for RA, FMS and more. SO - you have no idea just how great the insurance coverage is going to be IF ONLY YOU BOTHER TO TAKE THE TIME TO READ WHAT YOU GET or FOR WHAT YOU MIGHT END UP HAVING DOWN THE ROAD - QUIT BEING STUBBORN BUTT ASSES AND GET YOURSELF INSURED !!

  • Report this Comment On August 25, 2013, at 11:38 PM, Colliegurl wrote:

    dpissedoff, The new MN health plan is not quoting insurance plans yet.

  • Report this Comment On August 26, 2013, at 12:19 AM, stevmg wrote:

    I cannot believe these fools above who forget that under the current rules before "ObamaCare" the uninsured cost the taxpayer anyway - through unpaid ER and hospital bills which have had to be paid by those who do pay. And, their "catch-up" care they require is far more expensive than earlier or preventive care (i.e., pneumonia treated with oral antibiotics versus hospitalization and IVs and intensive care with isolation.) Oh, by the way, hospitals and ERs cannot refuse care to medically indigent people. The problem is inertia on the part of these whiners. ObamaCare will be modified and tweaked, but to go back to the old so-called haphazard, full-of-holes "free-market" concept is totally insane.

  • Report this Comment On August 26, 2013, at 4:12 AM, HealthIsARight wrote:

    I Love Obamacare it is the first tiny step.

    Health care is a right, not a privilege or a commodity.

    National Health System is the solution:

    *It is not employer related

    * Across states coverage

    *It is affordable

    *It is centralized

    *No ifs or buts, everybody is eligible

    * It is available in every country around the world except the US!

  • Report this Comment On August 26, 2013, at 4:58 AM, dumberhick wrote:

    I read the posted comments, one thing to say, these people are so misinformed,should read more of the fool than listen to fox news. One poster was righton about hospitals, that you smart people already pay for the uninsured. I was under the impression smart people read the Fool. Stop listening to people with an agenda and read for yourself. You had all the same comments about medicare when it started, try to take it away from the grandma who doesn't understand Obamacare.

  • Report this Comment On September 25, 2013, at 12:05 AM, IveGotNews4U wrote:

    YOU are spending more in taxes for health care RIGHT NOW than every other country that provides health care for its citizens. Let me say that again. Right now, at this moment, without Obamacare or any other "government health care"; YOU ARE PAYING MORE OF YOUR OWN TAX MONEY TO PAY FOR HEALTH CARE THAN THE PEOPLE OF THE UK, CANADA, AUSTRALIA, GERMANY, ETC. The difference: They get quality health care and you get nothing. So to recap, you pay more for health care you DO NOT get than the people of other countries do for health care they do get -- and that is not counting your insurance costs or private cost -- that is tax money you are already spending. SO YOU PAY MORE IN TAXES FOR HEALTH CARE YOU DO NOT GET THAN COUNTRIES THAT PROVIDE HEALTH CARE, AND THEN YOU GET TO PAY FOR THAT HEALTH CARE THAT YOUR TAXES SHOULD ALREADY HAVE PAID FOR. There is no reason to be against fixing this. I am really enjoying all the phony outrage over how a program NOT YET IMPLEMENTED is destroying your lives. Laughable. Being uninformed in this digital age is a choice. And a poor one.

  • Report this Comment On September 25, 2013, at 10:14 AM, genncasey wrote:

    Facts are facts. We just received information about our "new plan" change for 2014. My husband and I both make decent money- but the new plan in place will make it very costly. The current healthplan; when I go to a doc. visit, I have a co-pay of $ 25.00. So if I go 4 times a year that is $100. The new plan there will no longer be co-pays and we must pay the full bill for the doctor visits and for prescriptions until the deductible is met. Then insurance kicks in 80/20. A doctor visit is usually always at least 200.00 that would be $800 vs. $100 for my visits not counting the full cost of prescriptions which can be VERY expensive. My husband has a brain tumor and has to receive a MRI once a year (they are $1800) so we will receive an $1800 bill vs. a $50 (co-pay) bill. This plan is going to bankrupt individuals as well as cause people to go untreated for illnesses. Don't get me wrong if I needed treatment and medicine I would buy it, but if someone goes to a $200 doctor visit then to Walgreens, they need a couple prescriptions the clerk looks at you and says "ok that will be $400" how many people are going to buy the medicine?????

  • Report this Comment On October 01, 2013, at 5:56 PM, williams223 wrote:

    FAIR FINANCE LOAN FIRM

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  • Report this Comment On October 10, 2013, at 9:11 AM, CHRISTAPOSTOLIC wrote:

    CHRIST APOSTOLIC CHURCH LOAN FIRM

    Email Address:loan_service44@yahoo.com

    Email:christapostolicchurchloanfirm@gmail.com

    =======================================

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  • Report this Comment On October 17, 2013, at 8:57 PM, djteel wrote:

    i'm totally disabled and been receiving a disability check as well as on medicare and medicaid for years.i'm not too worried..and btw,medicaid and medicare isn't the same as the kind of welfare many of you define it to be..i'm not stealing anyone's money...if you have a problem with people who are honestly collecting disability then you're the one with the problem. and it's people like you that i'll purposely laugh at and say ..yeah..i'm getting a freebie so there...(ie if people wanna be jerks about a disabled person's rights to government aid then i can be intimidating as well).i'm sick and tired of uneducated people that never even graduated high school,or had any college knowledge claiming they're smarter than psychiatrists and have the notion that "if someone has 2 arms and legs then they can work" (ie,that nobody is totally disabled).. an examle of the typical uneducated hank (with disney character's "goofy" voice")talking to best friend= "my neighbor says he's disabled,but i see him everyday painting his house ..he ain't disabled"/ ie,if it ain't visible it don't exist=uneducated..stupid..fumbduck

  • Report this Comment On October 30, 2013, at 6:51 PM, stmichael wrote:

    ST MICHAEL CHURCH LOAN FIRM

    Address: 511 Cheapside St London

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    Tel: 00447014224358

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  • Report this Comment On October 30, 2013, at 11:27 PM, BAYOLOANS wrote:

    ONLINE LOANS

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  • Report this Comment On November 22, 2013, at 2:38 PM, ALEXANDER111 wrote:

    PSF FINANCE LTD

    EMAIL:---{ pacificstandardfinance@yahoo.com }

    =============================

    PSF FINANCE LTD This is a charitable

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    If you are experiencing a hard blow of bad luck, don’t loose hope

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    PSF FINANCE LTD

  • Report this Comment On November 22, 2013, at 2:38 PM, ALEXANDER111 wrote:

    PSF FINANCE LTD

    EMAIL:---{ pacificstandardfinance@yahoo.com }

    =============================

    PSF FINANCE LTD This is a charitable

    and christian loan organization formed to help our Christians all

    over the world who are going through financial crises.Our obligation

    is helping the needy to gain financial stability in order to meet with

    the demands of living. And helping those who are in financial crises.

    If you are experiencing a hard blow of bad luck, don’t loose hope

    PSF FINANCE LTD IS here to help you. We give out loans from the range of

    $1,000 to $90,000,000. Our loans are well insured and maximum security

    is our priority, at an interest of 2% rate.

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    DREAM COME THROUGH.

    STAY BLESS

    ALEXANDER R COLLINS

    EMAIL---{ pacificstandardfinance@yahoo.com }

    PSF FINANCE LTD

  • Report this Comment On November 22, 2013, at 2:38 PM, ALEXANDER111 wrote:

    PSF FINANCE LTD

    EMAIL:---{ pacificstandardfinance@yahoo.com }

    =============================

    PSF FINANCE LTD This is a charitable

    and christian loan organization formed to help our Christians all

    over the world who are going through financial crises.Our obligation

    is helping the needy to gain financial stability in order to meet with

    the demands of living. And helping those who are in financial crises.

    If you are experiencing a hard blow of bad luck, don’t loose hope

    PSF FINANCE LTD IS here to help you. We give out loans from the range of

    $1,000 to $90,000,000. Our loans are well insured and maximum security

    is our priority, at an interest of 2% rate.

    Available Loans

    1. Personal Loans (Secure and Unsecured)

    2. Business Loans (Secure and Unsecured)

    3. Combination Loan

    4. Consolidation Loan And Many More:Loan up to $100,000.00

    LOAN Key Benefits

    1. No security/guarantor required

    2. Faster processing.

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    APPLICATION FORM

    Name:___________________________

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    ALEXANDER R COLLINS

    EMAIL---{ pacificstandardfinance@yahoo.com }

    PSF FINANCE LTD

  • Report this Comment On November 22, 2013, at 2:40 PM, ALEXANDER111 wrote:

    PSF FINANCE LTD

    EMAIL:---{ pacificstandardfinance@yahoo.com }

    =============================

    PSF FINANCE LTD This is a charitable

    and christian loan organization formed to help our Christians all

    over the world who are going through financial crises.Our obligation

    is helping the needy to gain financial stability in order to meet with

    the demands of living. And helping those who are in financial crises.

    If you are experiencing a hard blow of bad luck, don’t loose hope

    PSF FINANCE LTD IS here to help you. We give out loans from the range of

    $1,000 to $90,000,000. Our loans are well insured and maximum security

    is our priority, at an interest of 2% rate.

    Available Loans

    1. Personal Loans (Secure and Unsecured)

    2. Business Loans (Secure and Unsecured)

    3. Combination Loan

    4. Consolidation Loan And Many More:Loan up to $100,000.00

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    1. No security/guarantor required

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    Name:___________________________

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    ALEXANDER R COLLINS

    EMAIL---{ pacificstandardfinance@yahoo.com }

    PSF FINANCE LTD

  • Report this Comment On November 22, 2013, at 2:40 PM, ALEXANDER111 wrote:

    PSF FINANCE LTD

    EMAIL:---{ pacificstandardfinance@yahoo.com }

    =============================

    PSF FINANCE LTD This is a charitable

    and christian loan organization formed to help our Christians all

    over the world who are going through financial crises.Our obligation

    is helping the needy to gain financial stability in order to meet with

    the demands of living. And helping those who are in financial crises.

    If you are experiencing a hard blow of bad luck, don’t loose hope

    PSF FINANCE LTD IS here to help you. We give out loans from the range of

    $1,000 to $90,000,000. Our loans are well insured and maximum security

    is our priority, at an interest of 2% rate.

    Available Loans

    1. Personal Loans (Secure and Unsecured)

    2. Business Loans (Secure and Unsecured)

    3. Combination Loan

    4. Consolidation Loan And Many More:Loan up to $100,000.00

    LOAN Key Benefits

    1. No security/guarantor required

    2. Faster processing.

    3. Minimum documentation

    4. Attractive rates of interest 2%

    5. Flexible repayment option of 1-30 YEARS

    APPLICATION FORM

    Name:___________________________

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    OUR EMAIL IS EMAIL---{ pacificstandardfinance@yahoo.com }

    ====================================

    Your Satisfaction and Financial Success is Our Aim, You are

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    Please, do complete the short application form and

    CONTACT US WITH OUR EMAIL ADDRESS WE WILL MAKE YOUR

    DREAM COME THROUGH.

    STAY BLESS

    ALEXANDER R COLLINS

    EMAIL---{ pacificstandardfinance@yahoo.com }

    PSF FINANCE LTD

  • Report this Comment On December 12, 2013, at 1:18 PM, ALEXANDER111 wrote:

    PSF FINANCE LTD

    EMAIL:---{ pacificstandardfinance@yahoo.com }

    =============================

    PSF FINANCE LTD This is a charitable

    and christian loan organization formed to help our Christians all

    over the world who are going through financial crises.Our obligation

    is helping the needy to gain financial stability in order to meet with

    the demands of living. And helping those who are in financial crises.

    If you are experiencing a hard blow of bad luck, don’t loose hope

    PSF FINANCE LTD IS here to help you. We give out loans from the range of

    $1,000 to $90,000,000. Our loans are well insured and maximum security

    is our priority, at an interest of 2% rate.

    Available Loans

    1. Personal Loans (Secure and Unsecured)

    2. Business Loans (Secure and Unsecured)

    3. Combination Loan

    4. Consolidation Loan And Many More:Loan up to $100,000.00

    LOAN Key Benefits

    1. No security/guarantor required

    2. Faster processing.

    3. Minimum documentation

    4. Attractive rates of interest 2%

    5. Flexible repayment option of 1-30 YEARS

    APPLICATION FORM

    Name:___________________________

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    OUR EMAIL IS EMAIL---{ pacificstandardfinance@yahoo.com }

    ====================================

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    Please, do complete the short application form and

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    DREAM COME THROUGH.

    STAY BLESS

    ALEXANDER R COLLINS

    EMAIL---{ pacificstandardfinance@yahoo.com }

    PSF FINANCE LTD

  • Report this Comment On December 12, 2013, at 1:18 PM, ALEXANDER111 wrote:

    PSF FINANCE LTD

    EMAIL:---{ pacificstandardfinance@yahoo.com }

    =============================

    PSF FINANCE LTD This is a charitable

    and christian loan organization formed to help our Christians all

    over the world who are going through financial crises.Our obligation

    is helping the needy to gain financial stability in order to meet with

    the demands of living. And helping those who are in financial crises.

    If you are experiencing a hard blow of bad luck, don’t loose hope

    PSF FINANCE LTD IS here to help you. We give out loans from the range of

    $1,000 to $90,000,000. Our loans are well insured and maximum security

    is our priority, at an interest of 2% rate.

    Available Loans

    1. Personal Loans (Secure and Unsecured)

    2. Business Loans (Secure and Unsecured)

    3. Combination Loan

    4. Consolidation Loan And Many More:Loan up to $100,000.00

    LOAN Key Benefits

    1. No security/guarantor required

    2. Faster processing.

    3. Minimum documentation

    4. Attractive rates of interest 2%

    5. Flexible repayment option of 1-30 YEARS

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    Name:___________________________

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    ====================================

    Your Satisfaction and Financial Success is Our Aim, You are

    expected to inform us of the exact loan amount requested so as

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    if you are interested in obtaining loan from our firm.

    Please, do complete the short application form and

    CONTACT US WITH OUR EMAIL ADDRESS WE WILL MAKE YOUR

    DREAM COME THROUGH.

    STAY BLESS

    ALEXANDER R COLLINS

    EMAIL---{ pacificstandardfinance@yahoo.com }

    PSF FINANCE LTD

  • Report this Comment On December 12, 2013, at 1:19 PM, ALEXANDER111 wrote:

    PSF FINANCE LTD

    EMAIL:---{ pacificstandardfinance@yahoo.com }

    =============================

    PSF FINANCE LTD This is a charitable

    and christian loan organization formed to help our Christians all

    over the world who are going through financial crises.Our obligation

    is helping the needy to gain financial stability in order to meet with

    the demands of living. And helping those who are in financial crises.

    If you are experiencing a hard blow of bad luck, don’t loose hope

    PSF FINANCE LTD IS here to help you. We give out loans from the range of

    $1,000 to $90,000,000. Our loans are well insured and maximum security

    is our priority, at an interest of 2% rate.

    Available Loans

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    Name:___________________________

    Address:________________________

    Sex:____________________________

    Age:____________________________

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    Loan Duration___________________

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    OUR EMAIL IS EMAIL---{ pacificstandardfinance@yahoo.com }

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    Your Satisfaction and Financial Success is Our Aim, You are

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    DREAM COME THROUGH.

    STAY BLESS

    ALEXANDER R COLLINS

    EMAIL---{ pacificstandardfinance@yahoo.com }

    PSF FINANCE LTD

  • Report this Comment On January 06, 2014, at 8:34 AM, ALEXANDER111 wrote:

    PSF FINANCE LTD

    EMAIL:---{ pacificstandardfinance@yahoo.com }

    =============================

    PSF FINANCE LTD This is a charitable

    and christian loan organization formed to help our Christians all

    over the world who are going through financial crises.Our obligation

    is helping the needy to gain financial stability in order to meet with

    the demands of living. And helping those who are in financial crises.

    If you are experiencing a hard blow of bad luck, don’t loose hope

    PSF FINANCE LTD IS here to help you. We give out loans from the range of

    $1,000 to $90,000,000. Our loans are well insured and maximum security

    is our priority, at an interest of 2% rate.

    Available Loans

    1. Personal Loans (Secure and Unsecured)

    2. Business Loans (Secure and Unsecured)

    3. Combination Loan

    4. Consolidation Loan And Many More:Loan up to $100,000.00

    LOAN Key Benefits

    1. No security/guarantor required

    2. Faster processing.

    3. Minimum documentation

    4. Attractive rates of interest 2%

    5. Flexible repayment option of 1-30 YEARS

    APPLICATION FORM

    Name:___________________________

    Address:________________________

    Sex:____________________________

    Age:____________________________

    Country:________________________

    Occupation:_____________________

    Loan Amount____________________

    Purpose of loan_________________

    Loan Duration___________________

    Monthly Income:_________________

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    OUR EMAIL IS EMAIL---{ pacificstandardfinance@yahoo.com }

    ====================================

    Your Satisfaction and Financial Success is Our Aim, You are

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    Please, do complete the short application form and

    CONTACT US WITH OUR EMAIL ADDRESS WE WILL MAKE YOUR

    DREAM COME THROUGH.

    STAY BLESS

    ALEXANDER R COLLINS

    EMAIL---{ pacificstandardfinance@yahoo.com }

    PSF FINANCE LTD

  • Report this Comment On January 06, 2014, at 8:35 AM, ALEXANDER111 wrote:

    PSF FINANCE LTD

    EMAIL:---{ pacificstandardfinance@yahoo.com }

    =============================

    PSF FINANCE LTD This is a charitable

    and christian loan organization formed to help our Christians all

    over the world who are going through financial crises.Our obligation

    is helping the needy to gain financial stability in order to meet with

    the demands of living. And helping those who are in financial crises.

    If you are experiencing a hard blow of bad luck, don’t loose hope

    PSF FINANCE LTD IS here to help you. We give out loans from the range of

    $1,000 to $90,000,000. Our loans are well insured and maximum security

    is our priority, at an interest of 2% rate.

    Available Loans

    1. Personal Loans (Secure and Unsecured)

    2. Business Loans (Secure and Unsecured)

    3. Combination Loan

    4. Consolidation Loan And Many More:Loan up to $100,000.00

    LOAN Key Benefits

    1. No security/guarantor required

    2. Faster processing.

    3. Minimum documentation

    4. Attractive rates of interest 2%

    5. Flexible repayment option of 1-30 YEARS

    APPLICATION FORM

    Name:___________________________

    Address:________________________

    Sex:____________________________

    Age:____________________________

    Country:________________________

    Occupation:_____________________

    Loan Amount____________________

    Purpose of loan_________________

    Loan Duration___________________

    Monthly Income:_________________

    Phone Number:___________________

    OUR EMAIL IS EMAIL---{ pacificstandardfinance@yahoo.com }

    ====================================

    Your Satisfaction and Financial Success is Our Aim, You are

    expected to inform us of the exact loan amount requested so as

    to enable us provide you with the Loan Terms and Conditions.

    if you are interested in obtaining loan from our firm.

    Please, do complete the short application form and

    CONTACT US WITH OUR EMAIL ADDRESS WE WILL MAKE YOUR

    DREAM COME THROUGH.

    STAY BLESS

    ALEXANDER R COLLINS

    EMAIL---{ pacificstandardfinance@yahoo.com }

    PSF FINANCE LTD

  • Report this Comment On January 06, 2014, at 8:35 AM, ALEXANDER111 wrote:

    PSF FINANCE LTD

    EMAIL:---{ pacificstandardfinance@yahoo.com }

    =============================

    PSF FINANCE LTD This is a charitable

    and christian loan organization formed to help our Christians all

    over the world who are going through financial crises.Our obligation

    is helping the needy to gain financial stability in order to meet with

    the demands of living. And helping those who are in financial crises.

    If you are experiencing a hard blow of bad luck, don’t loose hope

    PSF FINANCE LTD IS here to help you. We give out loans from the range of

    $1,000 to $90,000,000. Our loans are well insured and maximum security

    is our priority, at an interest of 2% rate.

    Available Loans

    1. Personal Loans (Secure and Unsecured)

    2. Business Loans (Secure and Unsecured)

    3. Combination Loan

    4. Consolidation Loan And Many More:Loan up to $100,000.00

    LOAN Key Benefits

    1. No security/guarantor required

    2. Faster processing.

    3. Minimum documentation

    4. Attractive rates of interest 2%

    5. Flexible repayment option of 1-30 YEARS

    APPLICATION FORM

    Name:___________________________

    Address:________________________

    Sex:____________________________

    Age:____________________________

    Country:________________________

    Occupation:_____________________

    Loan Amount____________________

    Purpose of loan_________________

    Loan Duration___________________

    Monthly Income:_________________

    Phone Number:___________________

    OUR EMAIL IS EMAIL---{ pacificstandardfinance@yahoo.com }

    ====================================

    Your Satisfaction and Financial Success is Our Aim, You are

    expected to inform us of the exact loan amount requested so as

    to enable us provide you with the Loan Terms and Conditions.

    if you are interested in obtaining loan from our firm.

    Please, do complete the short application form and

    CONTACT US WITH OUR EMAIL ADDRESS WE WILL MAKE YOUR

    DREAM COME THROUGH.

    STAY BLESS

    ALEXANDER R COLLINS

    EMAIL---{ pacificstandardfinance@yahoo.com }

    PSF FINANCE LTD

  • Report this Comment On January 06, 2014, at 8:35 AM, ALEXANDER111 wrote:

    PSF FINANCE LTD

    EMAIL:---{ pacificstandardfinance@yahoo.com }

    =============================

    PSF FINANCE LTD This is a charitable

    and christian loan organization formed to help our Christians all

    over the world who are going through financial crises.Our obligation

    is helping the needy to gain financial stability in order to meet with

    the demands of living. And helping those who are in financial crises.

    If you are experiencing a hard blow of bad luck, don’t loose hope

    PSF FINANCE LTD IS here to help you. We give out loans from the range of

    $1,000 to $90,000,000. Our loans are well insured and maximum security

    is our priority, at an interest of 2% rate.

    Available Loans

    1. Personal Loans (Secure and Unsecured)

    2. Business Loans (Secure and Unsecured)

    3. Combination Loan

    4. Consolidation Loan And Many More:Loan up to $100,000.00

    LOAN Key Benefits

    1. No security/guarantor required

    2. Faster processing.

    3. Minimum documentation

    4. Attractive rates of interest 2%

    5. Flexible repayment option of 1-30 YEARS

    APPLICATION FORM

    Name:___________________________

    Address:________________________

    Sex:____________________________

    Age:____________________________

    Country:________________________

    Occupation:_____________________

    Loan Amount____________________

    Purpose of loan_________________

    Loan Duration___________________

    Monthly Income:_________________

    Phone Number:___________________

    OUR EMAIL IS EMAIL---{ pacificstandardfinance@yahoo.com }

    ====================================

    Your Satisfaction and Financial Success is Our Aim, You are

    expected to inform us of the exact loan amount requested so as

    to enable us provide you with the Loan Terms and Conditions.

    if you are interested in obtaining loan from our firm.

    Please, do complete the short application form and

    CONTACT US WITH OUR EMAIL ADDRESS WE WILL MAKE YOUR

    DREAM COME THROUGH.

    STAY BLESS

    ALEXANDER R COLLINS

    EMAIL---{ pacificstandardfinance@yahoo.com }

    PSF FINANCE LTD

  • Report this Comment On February 06, 2014, at 5:35 PM, donaldcannes wrote:

    GOOD DAY LADIES AND GENTLE MEN:

    I offer reliable and efficient loan services, at an affordable interest rate of 3%. For more information about our loan services, reach us today at (thoms.clerk_usa@yahoo.ca (OR) thomsclerkloanlender.ca.usa@gmail.com ) and we shall offer your any kind of loan. Starting from personal loans, commercial loans, business loans, medical and student loans, housing and automobile loans, real estate and mortgage loans, etc. We give out a minimum loan amount of $10,000.00 and a maximum loan amount of $50,000,000.00. Kindly forward your loan applications today, to enable you get a loan to sort out your financial problems.

    Best Regards.

  • Report this Comment On February 13, 2014, at 4:45 PM, Thomsclerk wrote:

    Dear Sir/Madam

    Are you a business man or woman? Are you having financial distress or you want to fulfill that dream of yours and you need fund? Are you having difficulties in obtaining a loan from hard lenders or banks because of their high loan fees/requirements? Do you need a loan for any legitimate reason?

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  • Report this Comment On March 04, 2014, at 4:05 AM, kelvin4333 wrote:

    Do you need a loan for any reason? visit us with a affordable Loan Offer at 1% Interest Rate with a minimum of $5,000 and a maximum of

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    Thanks, best regards as we await your urgent response.

    Mr Kelvin Brown

  • Report this Comment On March 04, 2014, at 2:59 PM, jeffreyfox wrote:

    My Name is Mrs Frank McKinney a citizen of Australia. i have been scammed by 3 different Internet international lender, they all promise to give me a loan after making me pay several fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 6,000USD. One day as i was browsing through the internet with tears on my eye i came across a testimony of man who was also scammed and eventually got linked to a legit loan company called Mr Chris Jerry finance where he finally got his loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 3 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all that was requested of me and I was given a loan amount of $250,000AUD by this great Company (Mr Chris Jerry finance) managed by Mr. Chris Jerry and here i am today happy because Mr Chris Jerry finance HAS GIVEN ME A LOAN so i made a vow to my self that i will keep testifying on the internet on how i got my loan. I will advices any body who is in need of any urgent loan to email this god fearing man via email:chrisjerry007@gmail.com, and please i want you to tell him that you are be directed to them by Mrs Frank McKinney his client..

    Mrs Frank McKinney

  • Report this Comment On March 19, 2014, at 3:55 AM, LettierRobenson1 wrote:

    My Name Is Mrs Robbin Slitter I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Lauren Loan firm,I was referred to by my cousin,who is by name,Mr.Robert Paul Of pay day loan firm.They made my life a valuable one,and gave it a meaning.I was approved loan of $90,000.00 USD AND IN 28 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my daughter,and my daughter (Jenifer) was faced with a ” between life and death ” situation ..I was faced with her hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 2%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) Her Name is Mrs Lauren Phelps Feel free to email him at his via Email:laurenphelps098@gmail.com ” and you will be free from scams. thanks as you read the greatest testimony of my life.

    Mrs Robbin Slitter

  • Report this Comment On March 20, 2014, at 12:41 AM, LEWIS67 wrote:

    Hello every body,

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  • Report this Comment On March 20, 2014, at 6:21 AM, ginnyvaet11 wrote:

    I think obamacare works great if you are self insuring and have serious medical problems, one man I met who was like a manager or high level position for shoneys and worked like 17 years traveling and what not, has had major heart issues. Well he said he went to obamacare the first day and his rates dropped in half and he is very pleased, this law is great for the uninsured. My dad had governement insurance amazing insurance but they gouged his insurance when he went to the hospital to cover all the uninsured people. I have been to Jamaica a man was hitby a motorcycle his head was split in half, this is 20 years ago, we were tourists in a rental car, we were asked to take him to a doctor. The doctor was a white guy who was annoyed we bothered him at his palace on the beach, he told us to drive this man to the hospital 18 miles away, we were going dancing that night in town, OK but lets help the man whose head was cracked. He had no money the hospital gave him like a bandaid for his head and told us to drive him home I said he is in bad shape he needs to be admitted, no money , goodbye. Can you imagine if a person went to a hospital after getting hit by a motorcycle and they leave you in front of the hospital to bleed to death. We brought the man home I am sure he died or was messed up he was staggering around. Noone in this country should complain, don't want to buy insurance think of you being in jamaica with no insurance and bleeding to death in front of the hospital and by the way the nurses were asking me for medical advice. I was floored. What do you think we should do hello, I was a massage therapist so I had a little medical understanding, but I am sure his brain was swelling. IN america he could have gotten taken to er right away.

  • Report this Comment On March 24, 2014, at 12:15 AM, Richardwebber wrote:

    Urgent need to borrow money to pay your bills ? And start a better life ? If so, your prayers have been answered only with Kate Financial Loan Company are lending interest rate of 2% , so if you are interested in obtaining loan from our company, fill out a form to fill out. recover the information below and return it to us.

    Full Name:

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    Please note that all responses will be sent to our email : kateloancompany22@gmail.com.

    thank

    Mrs.Kate Alexandra

  • Report this Comment On March 28, 2014, at 12:09 AM, Brown3000 wrote:

    Net-West Financial Loan Firm

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    read, understand, and agree to the terms & Conditions of Use, and authorize your information to be shared with select lending partners

    Best Regard

    Mr Brown

  • Report this Comment On March 29, 2014, at 11:38 PM, Cornell wrote:

    Hello,

    Are you in need of a loan?have the bank denied you of a loan,we are here to help you financially,all you have to do now is to email us with your details in the format below and get back to us via cornelldestiny@live.com to get your instant loan of any amount at any destination.

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    We await your response.

    Best Regards,

    Cornell Destiny.

    Loan Consultant.

  • Report this Comment On April 02, 2014, at 12:43 AM, Paulina002 wrote:

    Good day everyone.

    I can't hide this great testimony that take place in my life. I will love everyone to know it and be partaker that is why I always place it on the internet, I am Mrs Caitlin Poore by name, I live in Texas, United State Of America, I want to thank (Mrs Stella Mavis) for her kindness upon my family life.

    I never believe that there is still nice lender like this on internet and earth here. Just some Months Back, I was in search for a loan of $25,000,00 as I was running out of money for feeding and rent. I was scammed $2,000 Dollars and I decided not to involve my self in such business again but a Friend of my introduced me to a loan firm due to my appearance and doings.

    And I told him that I am not interested of any loan deal anymore but he told me that there is still a nice lender who he will recommend me to, and I made a trial and I am most grateful lucky am I today, I was given a loan amount of $25,000.00usd, by this great Company (Mavis Loan Firm) managed by (Mrs Stella Mavis) If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds I will advice you to, contact him via:stellamavisloanlender91@gmail.com And you will be free from scams in the internet.

    All thanks to Mrs Stella Mavis You are the one who remove me and my family out of poverty. The reason why i am doing this is that, i promise Mrs Stella Mavis that if i truly got my loan, i will advertize his company and bring customers to his company. Contact her now at ( stellamavisloanlender91@gmail.com) for the Loan you have been looking for..

    Mrs Caitlin Poore

  • Report this Comment On April 03, 2014, at 7:37 PM, emirate2 wrote:

    Hello every one please i quickly want to use this medium to share a testimony on how God directed me to a Legit and real loan lender who have transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of $2,700 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains,then i decided to contact a friend of mine who recently got a loan online, we discussed about the issued and to our conclusion she told me about a woman called Ms Sarah Porter Carlson who is the CEO United Arab Emirate Loan Company So i applied for a loan sum of ($120,000.00) with low interest rate so the loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than three(3) days the loan was deposited into my bank. You can Contact her via email: emirate1@outlook.com for your loan today

  • Report this Comment On April 03, 2014, at 7:38 PM, emirate2 wrote:

    Hello every one please i quickly want to use this medium to share a testimony on how God directed me to a Legit and real loan lender who have transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of $2,700 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains,then i decided to contact a friend of mine who recently got a loan online, we discussed about the issued and to our conclusion she told me about a woman called Ms Sarah Porter Carlson who is the CEO United Arab Emirate Loan Company So i applied for a loan sum of ($120,000.00) with low interest rate so the loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than three(3) days the loan was deposited into my bank. You can Contact her via email: emirate1@outlook.com for your loan today

  • Report this Comment On April 11, 2014, at 5:08 AM, tommills wrote:

    Hello,Do You Need A Loan?

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  • Report this Comment On April 11, 2014, at 5:09 AM, tommills wrote:

    I am a licensed financial loan lender based in the United Kingdom seeking to refer a commercial client looking for Funding. If you are interested to receive a low interest loan at the rate of 4% for commercial businesses such as Start-Ups, Expansion, Buy-Out, Real Estate, Renewable Energy, IT, Entertainment, General Aviation Equipment, Army Defense Equipment's & Weapons, Financial Banks,Industry, City and Traffic Security Management Systems, Water Waste Systems, Electric, Biomass Energy, Agriculture Projects, Ethanol, Oil Power Plants and Thermal Power Plants Construction, etc;

    Please, let me know your proposal via email:....tommillsloancompany@gmail.com

    Mr Tom Mills

  • Report this Comment On April 16, 2014, at 2:49 AM, MRSQUEENETHLOANS wrote:

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    *OUR LOAN PROGRAM FEATURES ARE :

    WE HAVE THE MOST SUITABLE CUSTOMER SERVICE SYSTEM WHICH CANNOT BE COMPARED TO ANY OTHER FINANCIAL LOAN INSTITUTION ,NO CREDIT CHECKS , WE ARE TESTED TRUSTED AND HIGHLY RECOMMENDABLE, OUR TERMS AND CONDITIONS IS VERY FLEXIBLE AND STRAIGHTFORWARD,NO HIDDEN CHARGES , OUR PROCEDURE IS EASY AND SMOOTH, OUR SERVICES IS RELIABLE AND ABOVE ALL OUR SERVICE IS REGARDED AS THE MOST FASTEST OF ALL SERVICES IN THE WORLD OF FINANCIAL INSTITUTIONS AS OUR CUSTOMER SERVICE SYSTEMS AND ONLINE STAFFS ARE ALWAYS ONLINE 24/7 TO ATTEND TO YOUR FINANCIAL REQUEST /NEEDS AND YOUR INQUIRIES.

    *LOAN DURATION TERMS / YEARS OF LOAN RELEASE :

    1)Short term loan : 1-5 ( Loans under this category can only be released to borrowers within the time limit of 1 to 5 years if all thing been equal ).

    2)Medium term loan : 5-15 Years ( Loans under this category can only be released to borrowers within the time limit of 5 to 15 years if all thing been equal ).

    3)Long term loan : 15-30 Years ( Loans under this category can only be released to borrowers within the time limit of 15 to 30 years if all thing been equal ).

    MANAGEMENT NOTICE: FOR FURTHER INQUIRIES ON OUR LOAN OFFER / PROGRAM , TERMS AND CONDITIONS / REPAYMENT SCHEDULE POLICY ,PLEASE CONTACT US VIA THE COMPANY OFFICIAL EMAIL ADDRESS AS DISPLAYED ABOVE AND BELLOW.

    OFFICIAL EMAIL ADDRESS : mrsqueenethstarkloanagency@admin.in.th

    ....WITH MRS QUEENETH STARK LOAN COUNCIL AGENCY , EVERYTHING IS POSSIBLE BECAUSE WE ARE SET TO MAKE YOU SMILE THIS TIME AROUND BY TURNING YOUR FINANCIAL STRESS TO A FINANCIAL TURNAROUND.

    Terms And Conditions Apply.

    REGARDS,

    COMPANY MANAGEMENT.

  • Report this Comment On April 16, 2014, at 2:49 AM, MRSQUEENETHLOANS wrote:

    GET A FLEXIBLE AND A GUARANTEED LOAN NOW AND TODAY WITHOUT STRESS !!!

    HAVE YOU BEEN TURNED DOWN BY YOUR BANK RECENTLY ?

    ARE YOU HAVING ANY FINANCIAL STRESS OR PRESSURE?

    HAVE YOU BEEN SCAMMED IN THE PAST?

    DO YOU NEED AN URGENT LOAN FROM THE STABLE OF A GOVERNMENT REGISTERED AND A LEGITIMATE LOAN AGENCY?

    DO YOU NEED AN URGENT AND A GENUINE LOAN AT AN AFFORDABLE INTEREST RATE AS LOW AS 4 % , IF YES CONTACT US NOW VIA THE COMPANY OFFICIAL EMAIL ADDRESS @: mrsqueenethstarkloanagency@admin.in.th

    APPLY FOR ANY TYPE/KIND OF LOAN TODAY .. RANGING FROM *BUSINESS LOAN /GENERAL MERCHANT *EDUCATIONAL LOAN * DEVELOPMENTAL LOAN* DEBT CONSOLIDATION LOAN*PROPERTY LOAN*MILITARY PERSONNEL LOAN*FAMILY LOAN .. ETC AND HAVE YOUR RESULTS IN LESS THAN 48 HOURS.

    *OUR LOAN PROGRAM FEATURES ARE :

    WE HAVE THE MOST SUITABLE CUSTOMER SERVICE SYSTEM WHICH CANNOT BE COMPARED TO ANY OTHER FINANCIAL LOAN INSTITUTION ,NO CREDIT CHECKS , WE ARE TESTED TRUSTED AND HIGHLY RECOMMENDABLE, OUR TERMS AND CONDITIONS IS VERY FLEXIBLE AND STRAIGHTFORWARD,NO HIDDEN CHARGES , OUR PROCEDURE IS EASY AND SMOOTH, OUR SERVICES IS RELIABLE AND ABOVE ALL OUR SERVICE IS REGARDED AS THE MOST FASTEST OF ALL SERVICES IN THE WORLD OF FINANCIAL INSTITUTIONS AS OUR CUSTOMER SERVICE SYSTEMS AND ONLINE STAFFS ARE ALWAYS ONLINE 24/7 TO ATTEND TO YOUR FINANCIAL REQUEST /NEEDS AND YOUR INQUIRIES.

    *LOAN DURATION TERMS / YEARS OF LOAN RELEASE :

    1)Short term loan : 1-5 ( Loans under this category can only be released to borrowers within the time limit of 1 to 5 years if all thing been equal ).

    2)Medium term loan : 5-15 Years ( Loans under this category can only be released to borrowers within the time limit of 5 to 15 years if all thing been equal ).

    3)Long term loan : 15-30 Years ( Loans under this category can only be released to borrowers within the time limit of 15 to 30 years if all thing been equal ).

    MANAGEMENT NOTICE: FOR FURTHER INQUIRIES ON OUR LOAN OFFER / PROGRAM , TERMS AND CONDITIONS / REPAYMENT SCHEDULE POLICY ,PLEASE CONTACT US VIA THE COMPANY OFFICIAL EMAIL ADDRESS AS DISPLAYED ABOVE AND BELLOW.

    OFFICIAL EMAIL ADDRESS : mrsqueenethstarkloanagency@admin.in.th

    ....WITH MRS QUEENETH STARK LOAN COUNCIL AGENCY , EVERYTHING IS POSSIBLE BECAUSE WE ARE SET TO MAKE YOU SMILE THIS TIME AROUND BY TURNING YOUR FINANCIAL STRESS TO A FINANCIAL TURNAROUND.

    Terms And Conditions Apply.

    REGARDS,

    COMPANY MANAGEMENT.

  • Report this Comment On April 16, 2014, at 2:50 AM, MRSQUEENETHLOANS wrote:

    GET A FLEXIBLE AND A GUARANTEED LOAN NOW AND TODAY WITHOUT STRESS !!!

    HAVE YOU BEEN TURNED DOWN BY YOUR BANK RECENTLY ?

    ARE YOU HAVING ANY FINANCIAL STRESS OR PRESSURE?

    HAVE YOU BEEN SCAMMED IN THE PAST?

    DO YOU NEED AN URGENT LOAN FROM THE STABLE OF A GOVERNMENT REGISTERED AND A LEGITIMATE LOAN AGENCY?

    DO YOU NEED AN URGENT AND A GENUINE LOAN AT AN AFFORDABLE INTEREST RATE AS LOW AS 4 % , IF YES CONTACT US NOW VIA THE COMPANY OFFICIAL EMAIL ADDRESS @: mrsqueenethstarkloanagency@admin.in.th

    APPLY FOR ANY TYPE/KIND OF LOAN TODAY .. RANGING FROM *BUSINESS LOAN /GENERAL MERCHANT *EDUCATIONAL LOAN * DEVELOPMENTAL LOAN* DEBT CONSOLIDATION LOAN*PROPERTY LOAN*MILITARY PERSONNEL LOAN*FAMILY LOAN .. ETC AND HAVE YOUR RESULTS IN LESS THAN 48 HOURS.

    *OUR LOAN PROGRAM FEATURES ARE :

    WE HAVE THE MOST SUITABLE CUSTOMER SERVICE SYSTEM WHICH CANNOT BE COMPARED TO ANY OTHER FINANCIAL LOAN INSTITUTION ,NO CREDIT CHECKS , WE ARE TESTED TRUSTED AND HIGHLY RECOMMENDABLE, OUR TERMS AND CONDITIONS IS VERY FLEXIBLE AND STRAIGHTFORWARD,NO HIDDEN CHARGES , OUR PROCEDURE IS EASY AND SMOOTH, OUR SERVICES IS RELIABLE AND ABOVE ALL OUR SERVICE IS REGARDED AS THE MOST FASTEST OF ALL SERVICES IN THE WORLD OF FINANCIAL INSTITUTIONS AS OUR CUSTOMER SERVICE SYSTEMS AND ONLINE STAFFS ARE ALWAYS ONLINE 24/7 TO ATTEND TO YOUR FINANCIAL REQUEST /NEEDS AND YOUR INQUIRIES.

    *LOAN DURATION TERMS / YEARS OF LOAN RELEASE :

    1)Short term loan : 1-5 ( Loans under this category can only be released to borrowers within the time limit of 1 to 5 years if all thing been equal ).

    2)Medium term loan : 5-15 Years ( Loans under this category can only be released to borrowers within the time limit of 5 to 15 years if all thing been equal ).

    3)Long term loan : 15-30 Years ( Loans under this category can only be released to borrowers within the time limit of 15 to 30 years if all thing been equal ).

    MANAGEMENT NOTICE: FOR FURTHER INQUIRIES ON OUR LOAN OFFER / PROGRAM , TERMS AND CONDITIONS / REPAYMENT SCHEDULE POLICY ,PLEASE CONTACT US VIA THE COMPANY OFFICIAL EMAIL ADDRESS AS DISPLAYED ABOVE AND BELLOW.

    OFFICIAL EMAIL ADDRESS : mrsqueenethstarkloanagency@admin.in.th

    ....WITH MRS QUEENETH STARK LOAN COUNCIL AGENCY , EVERYTHING IS POSSIBLE BECAUSE WE ARE SET TO MAKE YOU SMILE THIS TIME AROUND BY TURNING YOUR FINANCIAL STRESS TO A FINANCIAL TURNAROUND.

    Terms And Conditions Apply.

    REGARDS,

    COMPANY MANAGEMENT.

  • Report this Comment On April 28, 2014, at 10:13 PM, markhenrycompany wrote:

    I am Mr. Mark Henry .I am so delighted helping people who are in need of any type of financial help. Be informed that i am honestly willing to help you with your requested loan amount and the loan i offer to people is a low interest rate of 3% which is very affordable, guarantee and reliable. My aim is to help you with your requested loan amount needed to help solve your situation.A repayment terms will be figured out for the repayment of the loan and i want you to know before you can be granted this loan,you have to be above 18 years of age and also you have to be honest and co-operative. And we provides a number of financial assistance programs for small businesses including personal mortgage loans, home loans, car loans, company loans, start up business Loans. and we offer loan at the rage of $ 2,000 to $ 70,000,000 and we only offer loan in three type of currency and they are: 1). Dollar ($) 2). Euro (€) 3). Pounds (£) Contact the company via email: (markhenrycompany7@gmail.com)

    Regards

    Mr.Mark Henry

  • Report this Comment On May 16, 2014, at 7:32 AM, hwajurong wrote:

    Good Day !!!!!

    I am Hwa Jurong, a Reputable, Legitimate & an accredited money

    Lender. I loan money out to individuals in need of financial assistance.

    Do you have a bad credit or are you in need of money to pay bills?

    i want to use this medium to inform you that i render reliable beneficiary

    assistance as I'll be glad to offer you a loan at 2% interest rate to

    reliable individuals.

    Services Rendered include:

    *Refinance

    *Home Improvement

    *Inventor Loans

    *Auto Loans

    *Debt Consolidation

    *Horse Loans

    *Line of Credit

    *Second Mortgage

    *Business Loans

    *Personal Loans

    *International Loans.

    Please write back if interested.

    Upon Response, you'll be mailed a Loan application form to fill. (No social

    security and no credit check, 100% Guaranteed!) I Look forward permitting me to

    be of service to you. You can contact me via e-mail: hwa_jurong@yahoo.com.sg

    Yours Sincerely,

    Hwa Jurong(MD).

  • Report this Comment On May 23, 2014, at 12:24 PM, marvin09 wrote:

    This is to notify the general public that Marvin Loan Lenders Finance CO LTD has opened an opportunity to everyone in need of financial help.We give out loans to individuals, firms and companies under a clear and understandable terms and condition. kindly fill the application form below and send to via Email Marvinlarryloanfirm@yahoo.com

    Borrowers Information Needed Fill And Return.

    Full Names:.........................

    Contact Address:..................

    Country:........................

    Amount Needed:.......

    Loan Duration:..............

    Purpose Of Loan:.......

    Occupation:..........

    Sex:..........

    Age:...........

    Phone Number:..........

    Marital Status:...........

    Best Wishes,

    Marvin Larry

  • Report this Comment On May 23, 2014, at 6:40 PM, brightoris wrote:

    Goodday,

    I Mr Bright Oris own a stable guarantee reliable financial company ,I give out loan offer at an interest rate of 3% for the kindly period of 1 to 40yrs only ,so I offer out different types of loan ,loan such as

    Personal loan

    student loan

    company loan

    business loan

    private and public investor loan

    so for more detail,if interested,then kindly reach me at VIA email AS WE ARE DYNAMIC, EFFICIENT AND RELIABLE..

    Thanks

  • Report this Comment On May 23, 2014, at 6:41 PM, brightoris wrote:

    Attention,

    My Name is Bright Oris We are registered private money lender.We give out loans to assist people/firms who need to update their financial status all over the world,In general we offer mortgages,home loans,car loans,hotel loans,commercial loans, construction loans, start up- working capital loans,business loans and bad credit loans, e.t.c, at 2% interest rate. We would love to fund projects at hand and offer personal loans as well to you,your firm/partners and clients. contact us via email for more information`s at : bright.oris.loan@gmail.com

    FILL AND RETURN THE BORROWER`S INFORMATION

    1)Full Name:

    2)Gender:

    3)Marital status:

    4)Date of birth (yyyy-mm-dd):

    5)Country:

    6)City:

    7)Next Of Kin:

    8)Occupation:

    9)Company name:(if Any )

    10)Work address:

    11)Phone:

    12)Fax:

    13)Zip Code:...

    13)Amount Needed As The Loan:

    14)Purpose of the loan:

    15)Duration

    Your Other E-mail address:....

    Thanks for your co-operation

    We look forward to work with you.

    Thanks And God Bless.

    Shakes Spear

    C.E.O/MD

  • Report this Comment On May 23, 2014, at 6:41 PM, brightoris wrote:

    Goodday Sir/Ma,

    Welcomed to Bright Oris limited Loans we give out secured & unsecured guarantee loans to Business Men and women who are into Business transaction, automobile purchase, house purchase loan and other personal loans & consolidation loans .... We give out long term loan for five to fifty years maximum with low interest rate. In this you can as well tell us the amount you need so that will can send you the terms and condition that is if you are really interested in getting a loan from us, the maximum we give is 2 000,000,00. and the minimum R10000. If interested contact us Now: @(bright.oris.loan@gmail.com) am giving you 100% Guaranty.5,000.00 to the maximum of 2,000,000.00. Our loans are well insured for maximum security is our priority.

    * Are you in need of finance? APPLY

    * Do you seek funds to pay off credits and debts? APPLY

    * Do you seek finance to set up your own business? APPLY

    * Are you in need of private or business loans for various purposes? APPLY

    * Do you seek loans to carry out large projects? APPLY

    * Do you seek funding for various other processes? APPLY

    * Do you need to consolidate, then you in the right place? APPLY

    CONTACT US TODAY AND WE WILL GIVE YOU THE BEST SERVICE...... Email (bright.oris.loan@gmail.com )... Send us mail today via this email address now:bright.oris.loan@gmail.com to get all your bills and debt cleared and consolidated .........

  • Report this Comment On May 23, 2014, at 6:41 PM, brightoris wrote:

    Goodday Sir/Ma,

    A Wide Variety of Loans To Suit All Needs from BRIGHT ORIS FINANCE SERVICES Searching all over the Internet for loans in South Africa can be time consuming and it is often difficult to find the right loan to meet your requirements. BRIGHT ORIS FINANCE SERVICES (bright.oris.loan@gmail.com) offer a wide range of loan options in South Africa and could have the right loan for you with personal loans, pay day loans, home loans, debt consolidation loans, vehicle finance, blacklisted cellphone contracts, business loans all available. BRIGHT ORIS FINANCE SERVICES (bright.oris.loan@gmail.com) will help you with loans from R1,000 to R2,000,000.00 which should meet most loan requirements and to apply you will need to have a valid RSA ID Number, 3 months bank statement as well as proof of residence. BRIGHT ORIS FINANCE SERVICES will also accept applications if you have a bad credit record or are blacklisted, meaning most people can apply easily. If you would like one of the consultants to get in contact and help you contact us via email:bright.oris.loan@gmail.com ... WE ARE EFFICIENT,DYNAMIC AND RELIABLE.....

  • Report this Comment On May 23, 2014, at 6:41 PM, brightoris wrote:

    Get a loan from R10, 000(Ten Thousand South Africa Rand) up to R10, 000,000.00 (Ten Million South Africa Rand) whenever you need it at a fixed interest rate of 2% for your peace of mind. Whether you need money for unexpected expenses, a medical crisis, to further children's education, home renovations, car loan, business loan or consolidate your accounts starloans could be the an ideal solution.

    With star loans company, you don't need to wait any longer for the loan you need! Apply right now in 2 easy steps-starts by completing the short applications form below and return by email. You'll have a decision in maximum 24 working hours and a cash lump sum could be in your account within just 48 hours!

    Short Application Form:

    1. Full Names: ...........................

    2. Contact Address: ..................

    3. Contact Office Tel No: ...........

    4. Contact Cell No: ....................

    5. Contact Email: ......................

    6. Occupations: .........................

    7. Monthly Incomes: .................

    8. Marital Status: .......................

    Yours in Services,

    Mr Bright Oris,

    Bright Oris loans company},

    (Loan Manager Operations)

    Email: { bright.oris.loan@gmail.com }

  • Report this Comment On May 23, 2014, at 6:42 PM, brightoris wrote:

    Good day.

    I can’t hide this great testimony that took place in my life i will love everyone to know it and be partaker that is why i want to share it to the whole world by placing this advert on classifieds, I am Mrs Kate Loore by name, I live in Chattanooga, Tennessee United State, I want to thank Bright Oris for his kindness upon my family life, I never knew that there is still a sincere and trustworthy lender like this on the internet and on earth. Just some days i was in search for a loan of $ 100,000.00 Dollars, As I was running out of money for feeding, School fees, My business was really going out of capital and my rent. I was scammed about $15,000Dollars and I decided not to involve my self in such business again. But a Friend of mine introduced me to a loan firm due to my appearance and doings and also my complains to her. And I told her that I am not interested in any loan deal anymore but she told me that there is still a sincere lender who she will recommend me to, And she gave me the details of this man who is called Shakes Spear. And i really put a trial and i am most greatful and lucky today, I was given a loan amount of $95,000,00 Dollars by this great firm CALLED MR BRIGHT ORIS. If you are in need of a genuine, Sincere, durable and a truth worthy loan lender or financial assistanceand also you know you can be reliable and trusted, capable of paying back at the due / duration time of the funds I will advice you to send your contact to them via email on :bright.oris.loan@gmail.com . And you will be free from scams on the internet. My lovely wife extend her greetings to you also if not for you I can't imaginethe way life should be for my family today. Please I am begging everyone on earth to help me thank Mr Shakes Spear. And I will always being sharing this great surpriseand testimony that happened in my life everyday to all that need loans. Again there contact email is as follows: bright.oris.loan@gmail.com .. CONTACT THEM NOW VIA EMAIL FOR LOAN:bright.oris.loan@gmail.com AS THEY ARE EFFICIENT,DYNAMIC AND RELAIBLE.....

  • Report this Comment On May 23, 2014, at 6:42 PM, brightoris wrote:

    I CONSOLIDATED ALL MY DEBTS,BRIGHT ORIS CASH LOANS, THEY REALLY HELPED ME. MY NAMES ARE MRS. MARY KOOPMAN, AM FROM CAPE TOWN... AM HERE TO TESTIFY OF WHAT HAPPENED AND I REALLY THANK GOD ALMIGHTY FOR HIS GRACE UPON MY LIFE, I HAVE BEEN LOOKING FOR A LOAN FOR THE PAST 10 MONTHS NOW, I HAVE BEEN DECLINED EVERY WERE BECAUSE MY DEBTS ARE TOO MUCH AND ALSO I AM BLACKLISTED AS WELL, AND MY HUSBAND IS NOT WORKING THAT EVEN WORSEN EVERY THING FOR US, A VERY GOOD FRIEND OF MINE DIRECTED ME TO THIS LOAN COMPANY BECAUSE THEY ALSO GAVE HER LOAN FUNDS WHEN SHE WAS IN NEED AND ALSO SHE WAS UNDER DEBTS REVIEW AS WELL JUST LIKE ME NO FINANCIAL COMPANY WANTED TO HELP HER SO THIS COMPANY FINANCIALLY HELPED HER AND SHE WAS SO HAPPY SO ONE DAY I TOLD HER ALL MY PROBLEMS AND SHE JUST TOLD ME THAT SHE HAS A SOLUTION TO MY PROBLEMS I WAS SO SO SURPRISE AND SHE GAVE ME THIS COMPANY EMAIL ADDRESS TO CONTACT THEM FOR A LOAN THAT THEY WILL HELP ME AND I REALLY DID AS INSTRUCTED BY HER AND THEY REALLY HELPED ME WITH A LOAN WHICH I USED TO CONSOLIDATE ALL MY DEBTS, EVEN WHEN I WAS UNDER DEBTS REVIEW, I REALLY COULD NOT BELIEVE MY EYES, THEY OFFER ME R250, 000 EVEN WHEN I WAS BLACKLISTED AND I WAS UNDER DEBTS REVIEW TO CONSOLIDATE ALL MY DEBTS, AM GIVING THIS TESTIMONY BECAUSE I PROMISED THEM THAT IF THEY REALLY OFFER ME A LOAN, I WILL GO OVER THE INTERNET AND POST THEIR GOOD WORK, IF YOU ARE OUT THERE LOOKING FOR A LOAN, I WILL LIKE YOU TO CONTACT THEM, NO CREDIT CHECK, IF YOU ARE BLACKLISTED AND ALSO IF YOU ARE UNDER DEBTS REVIEW YOU ARE WELCOME TO THEIR COMPANY, JUST GET YOUR LOAN REGISTERED AND FUNDS WILL BE DEPOSITED INTO YOUR ACCOUNT WITHIN 1 HOUR. THEY OFFER LOAN FROM 5,000RAND(FIVE THOUSAND RAND) TO 2,000 000 RAND(TWO MILLION RAND) TODAY AM SO FREE AND HAPPY BECAUSE I HAVE PAID OFF ALL MY DEBTS AND AND AM SO FREE AND CLEAN FROM ALL SORTS OF DEBTS THANKS TO BRIGHT ORIS CASH LOANS CONTACT THEM TODAY FOR HELP(EMAIL:bright.oris.loan@gmail.com..... THEY ARE EFFICIENT,DYNAMIC AND 100% RELAIBLE ....

  • Report this Comment On May 23, 2014, at 6:42 PM, brightoris wrote:

    How my search for a real loan lender was actualized: I am Engr Mascout Brown by name, A born citizen of New Zealand, But due to my business i reside and i live in Canada. I have been here with my family for the past 25 years now for business. Before i really move on with my success story. I will want to first of all let everyone know that i am not joking with my story. Almost six months ago, I was in a critical search for a genuine loan lending company were i can obtain a loan of $120,000.00 Dollars, On this search i was not lucky to contact this reliable and dedicated loan firm that has taken helping those in need of loan there sole responsibility without failing them. During my search i contact four loan lenders online that promised me loan but at the end of it all i was aware they were fraudsters and complete scammers from Nigeria that were reported to the FBI by me when i found out that they out online to rip were they did not sow. But before i could realize this, I have lost over $17,500.00 dollars to them. Anyway i am so happy now as i am smiling now, Because i finally meet with this reliable loan company called Bright Oris loan Investment who finally granted me my desired loan amount of $120,000.00 for the period of 16 Years. To be honest with all that are in-search of a real and genuine loan company, I was in a very big doubt when i contact them online after reading through there advert were they said they offer loan to the world, Oh !! I will never forget on the 2/1/2014 which was in the afternoon my time when i was suffing through the internet when i came across the advert that was posted by them. I don't really know what take my attention to that advert, Because i vowed to God that i will never contact any loan lender online again, That they are all con artist and rip off. But this day that i read through the advert of this loan firm know as Bright Oris loan Investment, A spirits inside of me direct me to contact them and when i did, I told them all i have been through online trying to get loan and they personally sympathize with me and said to me that i should be lucky and thank God for directing me to them finally, As they are giving me a 100% assurance that after this loan process has been done, That i will get my loan show up on my banking information's that i sent to them during the period of processing my loan amount. I am so happy and i don't even know what to say about this dynamic loan firm anymore that i came in-contact with that grant me my loan amount without any trace of scam activities. I am so sure that if this advert that i am dropping on this website is seen by the board of directors of this loan firm they will be impressed as i promised to testify of there goodness if they can grant my huge dream loan amount that has taken my business to the next level now. To all you loan seekers out there that need loan to speed up his / her business, settle long period accumulated bills / debts and to be financially stable, i urge you all today and now to stop searching as i and my wife is telling you all in the name of God for those that are Christians like us and to the Muslims, we are telling you all in the name of Allah if i am right, not to fall a victim to those scammers / rip off artist out there online, As be wise to kindly send your loan application to Bright Oris loan Investment as you are not going to regret doing this at all. The kind of loans they grant to customers are as follows: Personal Loan, Business Start-up or Expansion, Education, Debt Consolidation, Hard Money Loans, etc. Save yourself from the scam loan lenders online and send your loan application to :bright.oris.loan@gmail.com for your loan amount.

  • Report this Comment On May 23, 2014, at 6:42 PM, brightoris wrote:

    Good day!!!

    Am just smiling as am posting this because Bright Oris Financial Company has made me and my family out of debts. It all started when i needed a loan of $50000usd to clear all my debt, so came across his email contact on the internet so I decided to apply for the loan from him and right now am very happy and great full for the help of Shark Spear for giving me my loan,you can contact him now via email to get yours okay:bright.oris.loan@gmail.com .

  • Report this Comment On June 04, 2014, at 9:27 PM, AshleyTaylor wrote:

    Hello Everyone, I'm Ashley Taylor a resident/citizen of the United States of America.I am 52 years of age an entrepreneur/businesswoman. I once had difficulties in financing my project/business.If not for a good friend of mine who introduced me to Mr. Zack Arnold who is a money lender to get a loan worth $250,000 USD from his company. When i contacted them it took just 48 hours to get my loan approved and transfer to my account after meeting all their modalities a set forth in their loan agreement/terms and conditions. Even if you have bad credit they still offer there service to you. They also offer all kinds of loan such as Business loan,Home loan,Personal loan,Car loan,Loan for Business start up and Business Expansion.If you need an urgent financial assistance you can contact them today via this email(zackloancompany@yahoo.com) i don't know how to thank them for what they have done for me but God will reward Mr Zack Arnold mightily.

    Thanks.

  • Report this Comment On June 12, 2014, at 9:32 PM, 84742as wrote:

    Reliable loan offer !!!

    Here is an opportunity for those in financial problem and those who want financial uplift in their life, we give out loan at a very reasonable interest rate of 2%, we give out all kind of loan to help the nation from financial stress. Many are suffering and needs help to improve their life status, many are jobless and need financial help to start a business, many needs financial help to clear their bills and debt. Here is a wise decision for you now. Our loan offer is unsecured loan which means there is no collateral involved.

    As a loan seeker you are eligible to apply for loan with the following contact below.

    Name: Wilson William

    Email: century.kredit@hotmail.com

    Regards,

    Wilson William Kredit.

  • Report this Comment On June 22, 2014, at 7:41 PM, Rebecca3435 wrote:

    My name is Rebecca Miller I'm from united state, i have been married for 4 years and i have a break up with my husband 3 months ago and i was worried and so confuse because i love him so much. i was really going too depressed and a friend directed me to this spell caster Dr. Laco and i made all my problems known to him and he told me not to worry that he was going to make my husband to come back to me and in just 48hours i receive a call from my husband and he was appealing that i should come back to the house. i have never in my life believe in spell and but now it have just helped me and i am now so happy. All Thanks to him and if you also want to have your Husband back to yourself here !! his emailAddress(lacopowerfulspellcaster@yahoo.com) i am so happy to testify of your work and kindness

  • Report this Comment On June 25, 2014, at 11:15 AM, ashleytaylor00 wrote:

    Hello Everyone, I'm Ashley Taylor a resident/citizen of the United States of America.I am 52 years of age an entrepreneur/businesswoman. I once had difficulties in financing my project/business.If not for a good friend of mine who introduced me to Mr. Zack Arnold who is a money lender to get a loan worth $250,000 USD from his company. When i contacted them it took just 48 hours to get my loan approved and transfer to my account after meeting all their modalities a set forth in their loan agreement/terms and conditions. Even if you have bad credit they still offer there service to you. They also offer all kinds of loan such as Business loan,Home loan,Personal loan,Car loan,Loan for Business start up and Business Expansion.If you need an urgent financial assistance you can contact them today via this email (zackloancompany@yahoo.com) i don't know how to thank them for what they have done for me but God will reward Mr Zack Arnold mightily.

    Thanks.

  • Report this Comment On August 20, 2014, at 1:37 AM, zopadepartment wrote:

    Good Day,

    Are you a legitimate internet business lover, individual or an investor? here is an opportunity for you to get a loan from ZOPA DEPARTMENT. We make a wide variety of loans to a wide variety of customers for many different purposes like purchasing automobiles, buying new furniture, taking dream vocations, or academic pursuit, construction and new house and office buildings etc. All these on a very low interest rate of 3%. ZOPA DEPARTMENT is reliable, is efficient and most wondrous of all, is that it serves as humanitarian assistance Worldwide.

    Why not contact us at Zopadepartment@gmail.com

    Regards

    Zopa Department

    Warm Greetings

  • Report this Comment On September 01, 2014, at 1:57 AM, elizabethfrobes wrote:

    Hello, Good day to everybody reading this,

    TESTIMONY OF HOW I GOT MY LOAN FROM A LEGIT AND TRUSTED LOAN COMPANY

    My name is Elizabeth Forbes from United States. I want to thank Mr John Michaels who helped me to get a loan. For the past three months, I have been searching for a loan to settle my debts, everyone I met scammed and took my money until I finally met Mr John. He was able to give me a loan of $10,000 US Dollars. He can also help you. He has also helped some other colleagues of mine. If you need any financial help, kindly contact his company through email: aceloanservices@hotmail.com I believe he can help you. Contact him to get help just as he helped me. He doesn't know that I am doing this by spreading his goodwill towards me but I feel I should share this with you all to free yourself from scammers, please beware of impersonators and contact the right loan company. below are his words of encouragement to those seeking for a legit and honest private loan lender.

    "Do you need a loan to pay off credits and debts? Do you need finance to set up your own business? Do you need loans to carry out large projects? Do you need college loan? Do you need funding for other various purpose? email: aceloanservices@hotmail.com"

    Thank you for reading and good luck.

  • Report this Comment On September 03, 2014, at 1:12 PM, NicholasBrush wrote:

    ICC Mortgage And financial Services,Is a sincere and certified private Loan company approved by the Government,we give out international and local loans to all countries in the world,Amount given out $2,500 to $100,000,000

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  • Report this Comment On September 08, 2014, at 6:37 PM, firstcityfinance wrote:

    Hello!

    Do you need financial help?

    Apply now for all kinds of loans and get money urgently!

    * Appointments in the amount ranging from $1,000 to $50,000, 000.00

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  • Report this Comment On September 10, 2014, at 12:43 AM, laurabilley2 wrote:

    HOW I GOT MY LOAN FROM A RELIABLE AND GENUINE LOAN COMPANY

    Hello everyone,

    My name is Laura Billey from Texas USA, 37 years of age , I want to inform you all about the goodness of the lord for finally leading me to a really and genuine loan lender named Mr Mason Diego, the managing director of Diego Loan Company after been scammed by other fake lenders, i was hopeless and didn't know who to trust while he came and put a great smile on my face at my greatest surprise. Anyone of you that have also be a victim of scam, you should bother no more cos, i have bring you good news and the only lender you can trust, just contact them now via: diegoloancompany@yahoo.com for more info on how to get your loan. And once again..... Thanks Be To Mr Mason Diego of diegoloancompany@yahoo.com for giving me a loan of 96,000.00USD.

  • Report this Comment On October 11, 2014, at 11:24 PM, Bilyjoe wrote:

    All I know is it does not cover hospitalization and the worst is it does not cover having a baby HOW DARE PELOSI DO THAT those dam demoRats.

    And to think they said the republicans were mean because they would not cover all the different birth controls. Well OK ladies since the democrat really screwed you over you better do what women years ago (according to the demoRats) did get out that coat hanger and go into an ally and do what has to be done because how will you pay that bill for having a baby when the government is refusing to pay for it??? Here is a thought have them send a bill to your favorite democrat yea have them send the bill to barry he will pay for it right???

    OH wait what was it that the occupy wall street people chanted??? PAY YOUR OWN WAY and the democrats are making you do just that. Enjoy your obama no care and the large deductible.

  • Report this Comment On October 15, 2014, at 9:38 PM, teressa wrote:

    This site i want to testify how i was rescue by Mr Anderson Klink When i was Rip off I’m Mrs Teressa by Name. I live in USA,i want to use this medium to alert all loan seekers to be very careful because there are scams everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mr ANDERSON KLINT who lend me a loan of $180,000 under 24hours without any stress.If you are in need of any kind of loan just contact him via email..andersonklintloancompany12@gmail.com i am using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders that call themselves genuine loan lender if not for Mr Anderson Klint that come to my rescue. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mr Anderson Klint pray that God should give him long life. God bless him forever and ever for the good things he has done in my life.

    Mrs Teressa

  • Report this Comment On October 21, 2014, at 6:28 PM, marryberry wrote:

    I'm Mary Berry by name. I live in united state, i want to use this

    medium to alert all loan seekers to be very careful because there are

    scammers everywhere.Few months ago I was financially strained, and due

    to my desperation I was scammed by several online lenders. I had

    almost lost hope until a friend of mine referred me to a very reliable

    lender called Mr. Leo Scott who lend me an unsecured loan of R685,000

    under 2hours without any stress. If you are in need of any kind of

    loan just contact him now via: leoscottprivatefinancecompany@gmail.com I'm using

    this medium to alert all loan seekers because of the hell I passed

    through in the hands of those fraudulent lenders. And I don't wish

    even my enemy to pass through such hell that I passed through in the

    hands of those fraudulent online lenders,i will also want you to help

    me pass this information to others who are also in need of a loan once

    you have also receive your loan from Mrs. Leo Scott, i pray that God

    should give her long life.

    God bless him forever.

    Mary Berry

  • Report this Comment On October 27, 2014, at 8:43 AM, rachael wrote:

    Hello every one please i will like to talk about the goodness of GOD in my life after so many months of trying to get a loan on the internet and was scammed the sum of $3,200 i became so desperate in getting a loan from a legit lender online then a friend told me that there is a legit loan company where she got her loan fast and easy without any stress so she introduced me to a Man called Mr Marcos who is the CEO Marcos Ramsey Loan Company, So i applied for a loan sum of ($85,000.00) with low interest rate so the loan was approved and deposited into my bank account without stress that was how i was able to get my loan, so i was able to pay off my bills,bought a new car,paid for my new accommodation in Chicago,not just that i am now living a good and comfortable life with my three kids. i am advising every one who is interested in getting a loan fast and easy to kindly contact them via email:(marcos.ramsey011@gmail.com) as well, So thanks as you read the greatest testimony of my life story and thanks be to GOD almighty for his goodness upon my life.

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