Want to change the world? Use your pension.
This may seem a strange place to start.
Loads of people don’t even know their pension is invested in the stockmarket, let alone where. A pension is just some black box, sucking money out of payslips each month, which might possibly help pay the bills in some far distant future.
Yet right now more than £3 trillion is invested in UK pensions.
THREE TRILLION POUNDS!
That’s a mind-bending amount of money, and it could make a massive difference to more than just your retirement.
It could destroy lives and damage the planet, by funding companies that produce things like tobacco, weapons, gambling and fossil fuels.
Or it could make a positive difference to society and the environment, by investing in things like clean energy, green transport, healthcare and companies that support human rights.
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So consider whether you want your pension to reflect your values. Maybe you’ve switched to reusable shopping bags, carry a refillable water bottle and recycle religiously – but do your investments match up?
Previous post: 10 simple swaps for plastic-free products around the house
The Church of England was hauled over the coals when it turned out to be investing in Wonga, the payday lender. Panorama also revealed that Comic Relief used to invest the fundraising in weapons, fags and booze.
Individuals may also face a clash between their principles and their investments. One example cited by the Make My Money Matter campaign really resonated with me – the oncologist who discovered that her pension was invested in tobacco companies, and therefore her retirement savings might well kill more people than the lives she saved while working.
If you want your pension to make a positive difference, here’s what you can do:
Table of Contents
Check where your work pension is invested now
If you have a pension at work, dust off your log in details and check where it is invested.
Nowadays, most employers offer defined contribution pensions, and most of us just end up in the ‘default fund’, unless we actively choose a different option.
Previous post to help with pension jargon: What is a pension and why you should care
If you’d like to know where your money is going, click around to find the name of the fund, and then the fund factsheet. That’s where you can see the investment objectives and lists of the top 10 holdings and biggest industry sectors.
Similarly, if you’re lucky enough to have a ‘defined benefit’ pension, often known as a final salary scheme, you should also be able to find a breakdown of the biggest investments.
Some workplace pensions have already moved towards more sustainable investing. Nest, for example, the workplace pension scheme set up by the Government which has more than 9 million members, confirmed that it became tobacco free earlier this year.
See if there’s an alternative that could make a difference
Many work pensions offer a choice of funds. The default fund everyone gets shoved into is unlikely to be world-changing.
However, you may also find the fund choices include a more ethical option, with environmental, sustainable and governance (ESG) aims.
Nest for example offers a Nest Ethical fund, designed for people with ‘specific concerns about the impact organisations have on the environment and society, in areas such as human rights and environmental damage’.
If you have a final salary scheme, you’re unlikely to have much choice – so move to the next step.
Tell your work
Maybe your workplace scheme doesn’t offer an ethical fund. Or maybe you’d like the default option or final salary scheme to be more sustainable.
If you care where your money is invested, do something about it.
Tell your employer. Contact HR. If your company has a specific mission and values, ask for the company pension scheme to share them.
Check your private pension
Stuck with choosing your own pension, whether you’re self-employed or want something on top of your work scheme?
The good news is a private pension gives you more control about how your money is invested, and whether it’s invested ethically.
Basically, you face a couple of choices: a pension where you can pick your own investments and manage your own money, and a pension where you get someone else to do it for you.
Using a pension from an investment platform with thousands of funds and shares means you can pick out more sustainable options, from specialist funds to trackers that follow ethical indices. However, it could also cost more and take more work to manage in future.
Alternatively, you could opt for an easy life and pick a pension company that does it for you. Many of the new breed of online money managers, often called ‘robo advisers’, offer ethical options, where you just pick the level of risk you are comfortable with, and they take care of the rest.
Elsewhere, online pension provider PensionBee offers plans (affiliate link) including a Future World plan, which invests in companies that pledge to move to an environmentally-friendly economy, and engages with companies to change their business practices and reduce their carbon footprint.
PensionBee has also just launched a brand-new Fossil Free Fuel plan (affiliate link) which goes even further, by excluding fossil fuel producers. It avoids investing in companies with proven or probable reserves in oil, gas or coal and tobacco companies, manufacturers of controversial weapons, nuclear weapons and persistent violators of the UN Global Compact.
Find out more about PensionBee’s new Fossil Free Fuel Plan here (affiliate link)
Move your money
Remember, if you don’t like the options available in your pension, you could always move your money.
It’s worth sticking with any pension scheme in your current job, to benefit from the free money added by your employer. Final salary schemes should usually be left well alone too.
But if you have old defined-contribution pensions hanging around, that don’t have valuable benefits like extra tax-fee cash, access at a younger age or guaranteed annuity rates, you could vote with your feet and move the money to a pension that offers ethical options.
What to watch out for
In the past, investors were concerned that investing ethically was more risky, more expensive and might result in lower returns.
Costs
It’s true that typically ethical and sustainable investments tend to have higher fees than ordinary funds.
The process of screening out certain companies, challenging management to raise ESG standards, or selecting companies that make a positive difference, can all push charges up. However, the gap has narrowed in recent years.
Over at PensionBee for example, the Future World plan costs 0.95% a year all in, almost twice as much as the 0.5% for the lowest cost Tracker plan. However, the new Fossil Free Fuel plan is more cost effective, charging just 0.75% a year.
You can also cut costs by saving more – if your pension pot is larger than £100,000, PensionBee halves the fee on savings above that amount.
Performance
You don’t necessarily need to sacrifice good returns to support good causes.
In fact, research studies have repeatedly shown ethical investments have done rather well recently. For example, Good With Money found that sustainable funds have outperformed the sector average over the last five years, and throughout the coronavirus crisis.
Obviously, performance will depend on the specific investments you choose, and when investing there’s always a risk that you might get back less than you put in. But when stashing cash for retirement many years ahead, your pension contributions do have plenty of time to bounce back.
Shades of green
Ethical and sustainable investing comes in many shades of green.
At one end, some funds put pressure on companies to behave more ethically and sustainably. Others refuse to invest in companies that do harm, knocking out investments that don’t pass their tests. At the other extreme, some funds choose companies that actively do good, such as generating clean energy or making products from recycled materials.
Always look behind any green/eco/ethical/environmentally friendly label, to see if the investment’s approach matches yours.
Where to find out more
If you’d like to find out more about sustainable investing, good places to start include the Good With Money website, Boring Money’s guide to sustainable and ESG investing and (if you really want to dive deep) Fund Eco Market’s fund selector tool.
Now – over to you. Ever checked whether your pension matches your principles? Take control of your pension, and make your money matter!
This is a collaborative post with PensionBee
PensionBee is authorised and regulated by the Financial Conduct Authority. With pensions, your capital is at risk. The value of your pension with PensionBee can go down as well as up and you may get back less than you started with.
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A solid referral should accompany good work. Recognizing what I had been advised, I traded $10,000 with a certain broker in anticipation of making some extra money. I placed an abundance of faith in him that I even took out loans from my family, the bank, and close friends. Deal was too beneficial because I initially made money and felt more confident to make additional investments. All I can say is that everyone ought to employ prudence, and I don’t know where I would be now if Wizard Web Recovery hadn’t succeeded in helping me get out of indebtedness. Although I doubt I could adequately express how much you mean to me, I will continue to spread the word about your excellent job.
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My experience of online scamming took seconds and cost me thousands. I was fooled by a YouTube video that convinced me that I could make a killing in Crypto, and the minute I clicked the link and deposited funds, I knew something was up, but it was too late. I worked with Captain WebGenesis, A certified and reliable Crypto Expert, it took a few days, and the Expert ensured I got almost all of the money back. It wouldn’t have been possible for me to meet up economically because I almost invested all my money but all thanks to this trustworthy Expert Captain WebGenesis with his genius effort to help me recover my already stolen currency. Please ensure also to consult Captain WebGenesis if you need such help:
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HOW I WAS SCAMMED BY A FAKE CRYPTOCURRENCY INVESTMENT PLATFORM WHO SWINDLED $890,000 OUT OF MY RETIREMENT SAVINGS.
A few weeks ago, I was scrolling through my Instagram feed when a request popped up, I was contacted by a man called Jerry who claimed to be an account manager on an investment platform. I was not convinced easily but I later gave in when he promised me huge profits from my investment in a short amount of time. I thought thoroughly about it and decided to invest some money into it, I was fooled by their website which showed that my investment had doubled, unfortunately, I invested more money to the tune of $890,000.
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Bitcoin and Crypto Scam Recovery Expert Captain WebGenesis.
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ow My Stolen Cryptocurrency Was Recovered Hello to Everyone. I’m Alexander from a reputable recovery company, and I recommend George Wizard Recovery Home for all cryptocurrency recovery requirements. I would currently be without a place to live and be heavily in debt if George Wizard Recovery Home hadn’t assisted me in recovering all the money that had been stolen from me through bogus bitcoin investments.I genuinely appreciate his help and professionalism in making sure I get everything back, whether I’m at home, in jail, or both. After reading their message, I contacted them and protested about being a victim of a fictitious cryptocurrency and FX investor. Within 48 hours, all of the money that had been taken from me using Bitcoins had been restored. I wholeheartedly recommend their service to anyone who may have George Wizard Recovery Home can be reached via Email / WhatsApp at (info@georgewizardrecoveryhome.com) or (georgewizardrecoveryhome@gmail.com) +1 (908) 768-4663
Fatima Barsan
It’s been five years since I began working as a nurse here in Canada. I enjoy using Instagram for fun and entertainment, and one day I linked with a Chinese user. The guy was amazing and informed me that he was into binary trading and that if I invested a small amount of money—say, $4,000—I would have enough money in a year to purchase a home and a medical facility. In due course, I made a choice to invest, but after six months when I tried to withdraw, I was asked for more. Throughout this time, he encouraged me to keep investing. I had already invested $100,000 USD with him on his broker platform because we were in a relationship, which gave me confidence in him. However, it was too late to realize I had been scammed after he successfully ripped me off and put me in a debt of $180,000. USD This really stunned me, and I wasn’t feeling well at all. This experience devastated me because I put so much faith in someone and this is what I received in return. After speaking with prominent IT professionals, I was referred to Richard Pryce wizard, which helped me retrieve the money I had spent with the false broker. I am incredibly appreciative of Richard Pryce’s wizard assistance. I’m glad I was able to recover the money I mistakenly invested. I’m applauding Richard Pryce Wizard for their great achievement, To reach out via email at richardprycewizard2016@gmail.com, and thank me later. or whatsapp:+1 (614) 963-6517
SCAM VICTIMS RECOVERS THEIR MONEY THROUGH ULTIMATE HACKER JERRY:
The Ultimate Hacker Jerry is currently collecting funds back to all scam victims. Get in touch with him and explain your situation; he will assist you in all crypto scam retrieval funds, bitcoin scam recovering, investment scam, mobile mass surveillance, and cyber – attacks.
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Local Guide; Since 2014
SCAM VICTIMS RECOVERS THEIR MONEY THROUGH ULTIMATE HACKER JERRY:
The Ultimate Hacker Jerry is currently collecting funds back to all scam victims. Get in touch with him and explain your situation; he will assist you in all crypto scam retrieval funds, bitcoin scam recovering, investment scam, mobile mass surveillance, and cyber – attacks.
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was so dissatisfied to carry out necessary probing but i really wanted to leap on the crypto trading and investment aim. Unfortunately for me, I invested 53,450 GBP worth of bitcoin with a fraudulent company. I was delighted to observe my account increase to 230,200 GBP within a couple of weeks. But i didn’t realize i was dealing with a diddle company, until i tried to make an attempt to withdraw. I made a withdrawal request, and noticed my account was suddenly blocked for no apparent reason. I tried contacting their customer support, but all to no avail. I needed my money back at all cost, because I couldn’t afford to let it go. So i tried all possible means to make sure i recovered my scammed bitcoin. I did a lot of online search for help, and tried to see if there were other people who had any similar experience. I stumbled upon a cryptocurrency forum were a couple of people mentioned that they had been through the same process but were able to recover their lost cryptocurrency, funds with the help of CryptocyberNet at gmailcom. So i file a report and he was able to help me get back all my lost funds within 1 week i feel indebted to him. Apart from trying to express my gratitude to them once again using this medium, I will commend anybody who wants to recover scammed bitcoin, stolen cryptocurrency, funds lost to binary options forex, investment and any other form of online scam reach out to CryptocyberNet @ gmail . Com
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How to hire a hacker to recover Lost Cryptocurrency.
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It all began innocently enough. One day, while enjoying a cup of tea and a scone (yes, I like to pretend I’m British sometimes), a tiny seed of doubt crept into my mind. Call it intuition or a sudden overdose of reality, but I couldn’t shake the feeling that something fishy was going on. Suddenly, my trust in my wife’s faithfulness took a nosedive faster than a rollercoaster ride. With my internal alarm bells ringing, I started to notice a few peculiar things. Late-night phone calls, suspicious whispers, and strange text messages that would make your grandma blush – the evidence was adding up. Panic ensued, and I knew I had to either confront my wife or take matters into my own hands. And let’s be honest, who can resist the temptation of playing detective. In my quest for answers, I stumbled upon a website called CYBERPUNK PROGRAMMERS. Now, I must admit, at first, I half expected Gandalf himself to pop up on the screen and perform a magic trick. But alas, it was a tech-savvy company offering phone hacking services for skeptical partners like me. CYBERPUNK PROGRAMMERS has a team of experts who know their way around the ins and outs of smartphones. No password or lock screen can stand in their way to ensure that the truth is uncovered. Email CYBERPUNK@PROGRAMMER.NET if your doubt is certain.
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I’ve read many stories about people recovering their funds after losing them to scammers and I thought it was another scam, but after losing all my funds to a cryptocurrency investment scam, I had no other choice but to research a recovery platform that can help me with the recovery of my funds. I stumbled upon Bitcoin Recovery Wizard online and contacted them immediately. I was very impressed by their service and how quickly they helped me recover my cryptocurrency funds. Truly their service is top-notch. I’m highly recommending them to everyone who wishes to recover their funds.
Email: bitcoinrecoverywizard@aol.com
Phone: +1 408 412 7451
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I’m willing to talk about my experience investing in bitcoin. You can, however, get your stolen bitcoins back. I was taught that recovering bitcoin was impossible, therefore I never thought it was conceivable. I recently lost close to $195,000 after falling for a forex scam that promised absurdly large returns. I looked everywhere for assistance before finding a Recovery Nerds article online. When I contact Recovery Nerds, my excitement was once more total. Get in touch with Recovery Nerds as soon as possible. They are a registered hacking group that can help with a quick and efficient bitcoin recovery. Contact Recovery Nerds at:
Email: mailus @ recoverynerds.com
Website: https://recoverynerds.com/
Whatsapp: +1 (514) (312) (2803)
Telegram: @Rnerds060
BE SMART AND BECOME RICH IN LESS THAN 3DAYS….It all depends on how fast
you can be to get the new PROGRAMMED blank ATM card that is capable of
hacking into any ATM machine,anywhere in the world. I got to know about
this BLANK ATM CARD when I was searching for job online about a month
ago..It has really changed my life for good and now I can say I’m rich and
I can never be poor again. The least money I get in a day with it is about
$50,000.(fifty thousand USD) Every now and then I keeping pumping money
into my account. Though is illegal,there is no risk of being caught
,because it has been programmed in such a way that it is not traceable,it
also has a technique that makes it impossible for the CCTVs to detect
you..For details on how to get yours today, email the hackers on : (
atmmachinehackers1@gmail.com < Tell your
loved once too, and start to live large. That's the simple testimony of how
my life changed for good…Love you all .
CRYPTO RECOVERY EXPERT – HIRE A HACKER TO RECOVER LOST OR STOLEN CRYPTO // GO TO CAPTAIN WEBGENESIS.
How do I get my scammed Bitcoin back?
How do I get my stolen Bitcoin back?
Can lost Crypto be recovered?
I will advice fraud victims to seek the help of (Captainwebgenesis@hackermail.com) for a recovery of lost funds, after i have been a victim of fake hackers i was referred to Captain WebGenesis by a freelancer member and that’s how i was able to get in touch with him and have my funds recovered. a big thanks to Captain WebGenesis for your endless efforts in recovering my lost Crypto.
Cryptocurrency Scam Recovery // Recover Lost Funds // Crypto Investment Gone Wrong. How To Hire A Hacker To Get Back Stolen Crypto Coins // Hire A Hacker To Recover Lost Or Stolen Bitcoin/Nft // Help I Can’t Access My USDT Account, Seems I Got Hacked // Bitcoin Recovery Expert Needed// .
Learn More;
Text Cal / Whatsapp +1(501)4,36-93,62.
Website Page; Captainwebgenesis.com
Envision discovering one day that your 30,000 cryptocurrency coins, which you worked so hard to get, had disappeared without a trace. After realizing my cryptocurrency had been taken, that dread turned into a sad reality for me. The theft left me feeling helpless and vulnerable, unsure of where to turn or how to recover what was rightfully mine. Little did I know that my journey to reclaim my stolen crypto was about to take an unexpected turn. As soon as I discovered how big of a theft it was, panic struck. To stop more harm, I froze all of my accounts as soon as I reported the occurrence to the police. I reached out to law enforcement agencies and contacted various exchanges in a bid to trace my stolen crypto. However, the process proved to be more challenging than I had anticipated. Tracking the stolen crypto proved to be a daunting task, with the digital trail leading me in circles and dead ends. It seemed like reclaiming my lost assets was slipping further out of reach. Communicating with exchanges and authorities posed its own set of challenges, as I struggled to convey the urgency and complexity of my situation. It felt like I was speaking a different language in a foreign land. I searched the internet endlessly in a desperate attempt to find a solution that would help me get my stolen cryptocurrency back. I came into PRO WIZARD GIlBERT RECOVERY at that point since it looked to have a hopeful name. After thorough research and consultation, I learned that PRO WIZARD GIlBERT RECOVERY specialized in recovering stolen cryptocurrencies through advanced techniques and expertise. Could this be the key to unlocking my lost fortune? I felt as though I had discovered a ray of hope amid the shadows when I first contacted PRO WIZARD GIlBERT RECOVERY. They paid close attention, made all the appropriate inquiries, and carefully considered every aspect of the case. Watching PRO WIZARD GIlBERT RECOVERY swing into action felt like witnessing a digital magic show. Their expertise and precision in executing the recovery plan were nothing short of impressive. With every step taken, I could feel my stolen Crypto inching closer to being back in my possession. I was ecstatic to hear from PRO WIZARD GIlBERT RECOVERY that my 30,000 Crypto had been successfully restored. It was as exhilarating and relieving as winning the cryptocurrency lotto! The skill of their recovery approach allowed me to feel empowered again and regain control over my possessions. Email PRO WIZARD GIlBERT RECOVERY on: Email: prowizardgilbertrecovery(@)engineer .com And Telegram: @Pro_Wizard_Gilbert_Recovery
TO RECOVER YOUR LOST, MISSING, AND SCAMMED CRYPTOCURRENCY \ OPTIMISTIC HACKER GAIUS
In February I lost about 15 BTC and $105,000 worth USDT to a fake MT5 trading platform. I got lured to this trading platform with the intent to earn 15percent of my investment in each trade I thought it was a good trading platform not knowing they were sneaky and manipulating to take away all my funds. After weeks of being sad I found the best cryptocurrency recovery pundit at OPTIMISTIC HACKER GAUIS whom I hired and spoke to their support team about my situation. They requested for some certain information and they swing into actions immediately. To my surprise within 12 hours they were able to trace and track my stolen funds then subsequently they recover each and every penny of my money back to me without hassle or hidden charges. This is the best recovery specialist to hire to recover all your stuck, missing or scammed funds and digital assets. They are the real deal
contact details
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call or use WhatsApp at +1..6..0..1..4..6..0..9..4..7..7.
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THE BEST WAY TO RECOVER STOLEN BITCOIN IS THROUGH WEB BAILIFF CONTRACTOR
The Best Way to Recover stolen bitcoin is through Web Bailiff Contractor because they just recovered $15,000 of my stolen bitcoin. Losing cryptocurrency to theft can be devastating, leaving victims feeling violated and hopeless. However, there are recovery services that provide a ray of hope. Web Bailiff Contractor has proven themselves to be the most effective and trustworthy option for getting stolen bitcoin back. After having a chunk of my bitcoin holdings stolen by a hacker, I felt crushed knowing that years of investing was gone in an instant. The amount taken totaled $15,000 which was a significant portion of my overall cryptocurrency portfolio. Through research online, I found Web Bailiff Contractor and decided to give them a try, though I’ll admit I was skeptical at first. However, their team of experts got to work quickly, utilizing sophisticated tracking methods to follow the stolen funds and identify the thief. Within a few weeks, they had recovered the full $15,000 and returned it to my wallet. I was blown away by their efficiency and success. Unlike amateurs who lack the skills to trace complex cryptocurrency transactions, Web Bailiff Contractor has cutting-edge tools and years of experience under their belt. Their knowledgeable team instilled confidence in me throughout the process, providing frequent updates and reassurance. While most theft recovery services charge upfront fees, Web Bailiff Contractor only collects payment after the funds have been retrieved, so the risk is on them, not the victim. With my own positive experience using their services, I can wholeheartedly recommend Web Bailiff Contractor as the best and most reliable option for getting your stolen bitcoin back. Don’t allow yourself to become another crypto theft statistic. With Web Bailiff Contractor expertise, the majority of cases can have their funds returned so they can sleep soundly again. Celebrating the restoration of the stolen funds was a mix of disbelief, gratitude, and sheer joy. Wizard Web Recovery’s expertise and dedication not only helped me regain my financial security but also restored my faith in the possibilities of recovering stolen cryptocurrencies. Tell Web Bailiff Contractor your case for analysis via email: web @ bailiffcontractor . net
HOW I RECOVERED MY FUNDS FROM THE ONLINE SCAMMERS
What you can accomplish with the correct information is absolutely astounding. I’m sincerely appreciative of CYBERPUNK assistance in locating my cryptocurrency funds in phony investment accounts. When I believed I might make more by investing in cryptocurrencies, unaware that I had been duped, losing $184,000 of my hard-earned money was agonizing and sad. When I was conducting research online and came across testimony about CYBERPUNK I was able to get in touch with CYBERPUNK.
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I was so impatient to carry out some necessary research about crypto training and investing buzz. Unfortunately for me, I invested 65,000 GBP worth of bitcoin with a fraudulent company. I was happy to watch my account grow to 240,000 GBP within a couple of weeks.
But I didn’t realize I was dealing with a scam company, until I tried an attempt to withdraw. I made a withdrawal request, and notice my account suddenly blocked for no apparent reason. I tried contacting customer support, but all to no avail. I needed my money back at all cost, because I could not afford to let it go. So I tried all possible means to make sure I recover my scammed bitcoin. I did a lot of online research, and tried to see if there were other people who had any similar experience. I stumbled upon a cryptocurrency forum were couple of people mentioned that they had been through the same process but were able to recover their lost cryptocurrency funds with help of CYBERPUNK Recovery company.
So I file a report and they were able to help me get back all my lost funds within 24hrs.Am indebted to them, apart from trying to express my gratitude to them once again using this medium to recommend anybody who wants to recover scammed bitcoin, stolen cryptocurrency, funds lost to binary option forex, investment and any other form of online scam, reach out to CYBERPUNK Recovery.
Email:cyberpunk1@cyberservices.com
Call or whatsapp: +17609237407
A Guide to Recruiting a Hacker to Retrieve Stolen Bitcoin.
My gratitude is insufficient for the outstanding assistance rendered by the renowned OPTIMISTIC HACKER GAIUS. I lost a significant sum of my hard-earned money—$258k worth of Bitcoin—to an online romance fraud, which crushed me. But this group of OPTIMISTIC HACKER GAIUS professionals quickly helped me out and proved their proficiency with crypto recovery. They recovered my lost money in an unexpectedly quick amount of time. Their unwavering efforts and dedication to ensuring client happiness really kept me afloat financially. I would heartily suggest them to anyone facing a comparable situation. Their exceptional assistance and capacity to retrieve significant quantities of cryptocurrency are unparalleled. Details about how to reach us are provided below.
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BITCOIN RECOVERY; The Expertise of Captain WebGenesis in Retrieving scammed Cryptocurrency.
I was involved in a bitcoin trading scam, I came across a company website that promised a big return on investment. I was completely sold. The website was excellent, and after much coaxing, I opted to invest 278,000 USD, which unfortunately ended up in the wrong hands. I was frustrated until I sought the counsel of a Crypto Expert CAPTAIN WEBGENESIS. I had no notion there were techniques for reclaiming stolen funds. I emailed the highly rated expert. I explained my case to Expert and provided all the required information and to my amazement, CAPTAIN WEBGENESIS refunded 90% of my BITCOIN to my wallet within a few working days, which I didn’t think was possible. I was startled as well as relieved.
With folks like CAPTAIN WEBGENESIS on your side, Crypto recovery is possible
Mail: Captainwebgenesis@hackermail.com
Real spell casters are hard to find but I am happy to thank Lord Krish for helping me win the lottery successfully after trying so many spell casters and I found my happiness in Lord Krish. I was given the lottery numbers by him which made me the third highest lottery winner in history and this is all thanks to you sir. Winning the lottery is something everyone would like to feel especially with a trustworthy spell caster. I, Yanira Alvarez, won the Powerball lottery in Los Angeles and I really thank Lord Krish because after I contacted him, he told me to only provide the spiritual items for him to do it for me and I didn’t hesitate to give him what he required so I could win it. I have tried so many spell casters who seemed real but only Lord Krish numbers gave me the winnings. I won the Powerball Jackpot of $1.08 billion and I am here today to share my experience to those willing to win the lottery as well. Take this opportunity to contact Lord Krish Spiritual with his email: lordkrishshrine@gmail.com and also share your experience with others.
BE SMART AND BECOME RICH IN LESS THAN 3DAYS….It all depends on how fast
you can be to get the new PROGRAMMED blank ATM card that is capable of
hacking into any ATM machine,anywhere in the world. I got to know about
this BLANK ATM CARD when I was searching for job online about a month
ago..It has really changed my life for good and now I can say I’m rich and
I can never be poor again. The least money I get in a day with it is about
$50,000.(fifty thousand USD) Every now and then I keeping pumping money
into my account. Though is illegal,there is no risk of being caught
,because it has been programmed in such a way that it is not traceable,it
also has a technique that makes it impossible for the CCTVs to detect
you..For details on how to get yours today, email the hackers on : (
atmmachinehackers1@gmail.com < Tell your
loved once too, and start to live large. That's the simple testimony of how
my life changed for good…Love you all .
,.,,,
I am incredibly grateful to the WALLDRIVE CYBER SECURITY SERVICE. for helping me retrieve my crypto. A fraudulent investment company had deceived me, resulting in the loss of all my life savings. I was distraught and didn’t know what to do. I looked around the internet and found WALLDRIVE CYBER SECURITY SERVICE. They have an excellent reputation and have helped many customers recover their stolen cryptocurrency. I’m glad I decided to try them out. The personnel at WALLDRIVE CYBER SECURITY SERVICE were very knowledgeable and helpful. They kept me updated on their progress at every turn and provided me with a detailed description of the recovery process. I was able to retrieve all of my crypto accounts with the WALLDRIVE CYBER SECURITY SERVICE. To anyone who has also lost their crypto wallet, lost their crypto password, or had their phone compromised, you can reach out to them through Whatsapp: +44 7961 202493; e-mail: walldriveservice @ techie.com.
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iFORCE RECOVERY HACKER sets itself apart through its specialized knowledge and experience in cryptocurrency recovery. With the ever-evolving landscape of digital assets, their team stays at the forefront by continuously updating their skills and techniques.
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WhatsApp; 1, 240 ( 803, 37 06 )
Mail : contact@iforcehackersrecovery . c om
LEEULTIMATEHACKER@ AOL. COM
Support @ leeultimatehacker .com
telegram:LEEULTIMATE
wh@tsapp +1 (715) 314 – 9248
https://leeultimatehacker.com
My name is Betty, and I reside in the USA. Just a few weeks ago, I found myself ensnared in a devastating scam involving a fraudulent cryptocurrency investment scheme. The ordeal began innocuously enough when I encountered what appeared to be a legitimate investment opportunity through a woman who had illicitly accessed a close friend’s Facebook account. Seduced by promises of substantial returns, I initially invested a modest sum and, to my delight, saw impressive profits. As my confidence grew, so did the deception. I was gradually persuaded to upgrade to royal VIP status within the platform, believing it would unlock even greater financial gains. Unfortunately, this decision proved to be my undoing. Instead of seeing increased returns or easy withdrawal of funds, I found myself trapped in a cycle of demands for additional investments and promises of delayed profits that never materialized. The situation quickly spiraled out of control, culminating in me investing nearly $1.5 million into what turned out to be a sophisticated scam. Every attempt to withdraw my funds or seek clarification from the platform’s support team was met with stonewalling tactics and excuses. It soon became clear that I had been manipulated and deceived out of a substantial portion of my savings. Devastated and feeling utterly betrayed, I embarked on a desperate search for a solution. It was during this desperate period that I discovered Lee Ultimate Hacker, a renowned agency specializing in Hacking and Digital Assets Recovery. Drawn by their reputation and a glimmer of hope, I reached out to them with my harrowing tale of financial loss and deception. Lee Ultimate Hacker displayed an unparalleled level of professionalism and empathy. They understood the gravity of my situation and wasted no time in deploying their expertise to assist me. Unlike my previous encounters with fraudulent platforms, Lee Ultimate Hacker operated with transparency and integrity. They meticulously reviewed the details of my case, providing clear explanations of their recovery process and patiently answering my myriad of questions. Lee Ultimate Hacker’s approach was both meticulous and strategic. Leveraging advanced technological tools and their extensive knowledge of digital forensics, they embarked on a methodical journey to trace and recover my misappropriated funds. Throughout the process, they maintained open lines of communication, providing regular updates and reassurance that progress was being made. The relief I felt when Lee Ultimate Hacker successfully facilitated the withdrawal of my profits and investments cannot be overstated. It was a profound moment of reclaiming control and restoring my peace of mind after weeks of turmoil and uncertainty. Their dedication and determination to right the wrongs inflicted by financial fraud restored my faith in justice and ethical recovery practices.I am deeply grateful to Lee Ultimate Hacker for their unwavering support and effective intervention. They not only recovered a significant portion of my lost funds but also provided invaluable guidance and emotional support throughout the recovery process. Their commitment to client satisfaction and ethical standards sets them apart as a trusted ally for anyone grappling with the aftermath of financial deception Lee Ultimate Hacker serves as a testament to the power of perseverance and the importance of seeking reputable assistance in times of crisis. To anyone who finds themselves victimized by financial scams or fraudulent schemes, I wholeheartedly recommend Lee Ultimate Hacker. They are more than just experts in digital recovery; they are compassionate advocates dedicated to helping individuals like me reclaim their financial security and rebuild their lives. With Lee Ultimate Hacker by your side, recovery is a reality.
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iFORCE HACKER RECOVERY has unmatched specialist experience when it comes to recovering Lost or Stolen BTC/USDT. This Hacker is skilled at negotiating the complexity of blockchain technology since they have developed their abilities in tracking down and retrieving cryptocurrency funds.
iFORCE HACKER RECOVERY can find and collect lost valuables with greater accuracy and efficiency than standard recovery methods because it uses sophisticated tools and processes. For those wishing to retrieve their Lost BTC/USDT, this guarantees a safe and dependable procedure free from the possibility of additional losses or difficulties. Contact them immediately
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Hire a Hacker to Recover Lost or Stolen Cryptocurrency / Captain WebGenesis.
Contact Captain WebGenesis through;
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Determined to explore all possible avenues for recovering my lost funds, I embarked on a research quest to find a solution. It was during this search that I stumbled upon Captain WebGenesis, a renowned entity known for their expertise in dealing with financial scams. Intrigued by their track record of success in assisting victims of fraudulent schemes, I wasted no time in reaching out to Captain WebGenesis to seek their assistance. The initial contact with Captain WebGenesis marked the beginning of a collaborative effort to initiate the process of recovering my frozen funds, instilling a sense of hope and optimism in an otherwise dire situation. Captain WebGenesis was able to recover all my lost Crypto.
Recommendation by Cliff Sims.
Regarding funds and crypto recovery, I found DECODE HACKER very helpful. I am Allen from Singapore and here is my story. In early 2022, I managed to build huge savings from 2020 from my remote working-from-home online business. When huge inflation was speculated early in 2022, I knew I had to jump into an investment opportunity to reap huge benefits. Cryptocurrency, specifically Ethereum and BTC, were my main focus. I made a quick huge investment ($ 202,700) in the two. Fast forward to a time when I needed to do withdrawals with my investors, but like most people, this firm denied my withdrawals. I had to act fast! So when my deep research came to Decode Hacker, I wasted no time. They had a 4.7 rating and that was more than enough. In a day, they recovered $199,960 which was way more than my expectations. Bigup Decode Hackers.
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If you have been betrayed before, then you know the feeling of hopelessness that hits you. My name is Sarah, and I experienced this firsthand when my ex-boyfriend’s acts of infidelity led to a tumultuous breakup. Things escalated quickly, and in a vengeful fit, he gained access to my email, changed the password, and stole my phone. Thankfully, he didn’t have access to my Bitcoin wallet, which held $200,000—my entire life’s savings. Feeling desperate and overwhelmed, I confided in my trading mentor about the situation. She recommended PRO WIZARD GIlBERT RECOVERY to me, assuring me that they were the best in navigating such complex issues. With little hope left, I reached out to them, clinging to the possibility of salvaging what remained of my digital life. From our very first conversation, the team at PRO WIZARD GIlBERT RECOVERY displayed an extraordinary level of empathy and professionalism. They understood the gravity of my situation and reassured me that they could help. Their confidence was a crucial anchor in a time when I felt adrift and powerless. PRO WIZARD GIlBERT RECOVERY began by meticulously assessing the damage. They traced the actions my ex-boyfriend had taken and started the arduous process of reclaiming my email. Their expertise was evident as they navigated through the intricate layers of security to restore my access. They not only recovered my email but also fortified it against future breaches, ensuring such a violation would never happen again. The most significant relief came when they managed to recover my Bitcoin wallet, which still held $200,000. This financial security was my lifeline, and PRO WIZARD GIlBERT RECOVERY’s success in restoring it was nothing short of miraculous. They also provided detailed guidance on enhancing my digital security practices, empowering me to protect my assets more effectively. Through this ordeal, PRO WIZARD GIlBERT RECOVERY didn’t just recover my digital assets; they helped me reclaim control of my life. Their support extended beyond technical recovery. They offered advice on moving forward and managing personal and digital security more wisely. This experience was a harsh lesson in trust and the importance of safeguarding personal information. However, the compassion and expertise of PRO WIZARD GIlBERT RECOVERY transformed a potential disaster into a manageable situation. They turned my despair into a story of resilience and recovery.In summary, PRO WIZARD GIlBERT RECOVERY proved to be an invaluable ally. Their unwavering commitment to their craft and the compassionate support they provided helped me recover from a significant personal and digital betrayal. I highly recommend their services to anyone facing similar challenges. They are true guardians in the digital wilderness, ready to help you regain your footing and move forward with confidence.
Their Contact information,
Email: prowizardgilbertrecovery(@)engineer.com
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WhatsApp: +1 (516) 347‑9592
LEEULTIMATEHACKER@ AOL. COM
Support @ leeultimatehacker .com
telegram:LEEULTIMATE
wh@tsapp +1 (715) 314 – 9248
https://leeultimatehacker.com
One morning, I found myself drawn into the promise of easy wealth through online advertisements for an investment platform. Tempted by the idea of financial freedom, I cautiously dipped my toes into this seemingly lucrative opportunity, starting with a small amount of money. Initially, the returns seemed promising and I felt reassured. Gradually, I increased my investment, hoping for greater profits. However, my optimism was short-lived. Without warning, the website disappeared, leaving me unable to access my funds. Shock and disbelief washed over me as I realized I had fallen victim to a sophisticated scam. It felt surreal, like a cruel twist of fate. In a desperate attempt to recover my savings, I scoured the internet for solutions. Amidst the chaos of cautionary tales and dubious claims, I came across Lee Ultimate Hacker. Their reputation for successfully retrieving stolen funds gave me a glimmer of hope. Following a recommendation from someone who had also been rescued by Lee Ultimate Hacker, I reached out to them. With a heavy heart, I recounted my experience, detailing the deception and the substantial sum I had lost. Their response was prompt and professional, offering reassurance and a plan of action. Armed with advanced tracing software and expert investigative skills, Lee Ultimate Hacker embarked on the mission to reclaim what was rightfully mine. The hours that followed were filled with anticipation and anxiety, each moment punctuated by hope and fear. Then, a breakthrough came. A notification from Lee Ultimate Hacker confirmed the successful recovery of my funds. Relief flooded through me, accompanied by gratitude for their unwavering dedication and expertise. In a world where trust is easily exploited, they stood as a beacon of integrity and competence. Beyond the financial restitution, Lee Ultimate Hacker restored my faith in justice. Their compassion and commitment transcended mere recovery; they restored my belief in the goodness of people and their ability to make things right. To those navigating the complexities of online investments or grappling with the aftermath of scams, I offer this advice: while caution is crucial, know that there are professionals like Lee Ultimate Hacker who stand ready to help. They are not just experts in recovery but guardians of hope, dedicated to protecting victims and restoring their peace of mind. My journey from victim to victor was marked by hardship and heartache, but ultimately, it was a testament to resilience and the power of seeking help from those who truly care. Lee Ultimate Hacker is indeed the real deal, a testament to their unwavering commitment to justice and their ability to turn despair into triumph.
LEEULTIMATEHACKER@ AOL. COM
Support @ leeultimatehacker .com
telegram:LEEULTIMATE
wh@tsapp +1 (715) 314 – 9248
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One morning, I found myself drawn into the promise of easy wealth through online advertisements for an investment platform. Tempted by the idea of financial freedom, I cautiously dipped my toes into this seemingly lucrative opportunity, starting with a small amount of money. Initially, the returns seemed promising and I felt reassured. Gradually, I increased my investment, hoping for greater profits. However, my optimism was short-lived. Without warning, the website disappeared, leaving me unable to access my funds. Shock and disbelief washed over me as I realized I had fallen victim to a sophisticated scam. It felt surreal, like a cruel twist of fate. In a desperate attempt to recover my savings, I scoured the internet for solutions. Amidst the chaos of cautionary tales and dubious claims, I came across Lee Ultimate Hacker. Their reputation for successfully retrieving stolen funds gave me a glimmer of hope. Following a recommendation from someone who had also been rescued by Lee Ultimate Hacker, I reached out to them. With a heavy heart, I recounted my experience, detailing the deception and the substantial sum I had lost. Their response was prompt and professional, offering reassurance and a plan of action. Armed with advanced tracing software and expert investigative skills, Lee Ultimate Hacker embarked on the mission to reclaim what was rightfully mine. The hours that followed were filled with anticipation and anxiety, each moment punctuated by hope and fear. Then, a breakthrough came. A notification from Lee Ultimate Hacker confirmed the successful recovery of my funds. Relief flooded through me, accompanied by gratitude for their unwavering dedication and expertise. In a world where trust is easily exploited, they stood as a beacon of integrity and competence. Beyond the financial restitution, Lee Ultimate Hacker restored my faith in justice. Their compassion and commitment transcended mere recovery; they restored my belief in the goodness of people and their ability to make things right. To those navigating the complexities of online investments or grappling with the aftermath of scams, I offer this advice: while caution is crucial, know that there are professionals like Lee Ultimate Hacker who stand ready to help. They are not just experts in recovery but guardians of hope, dedicated to protecting victims and restoring their peace of mind. My journey from victim to victor was marked by hardship and heartache, but ultimately, it was a testament to resilience and the power of seeking help from those who truly care. Lee Ultimate Hacker is indeed the real deal, a testament to their unwavering commitment to justice and their ability to turn despair into triumph…..
$137,000 Bitcoin Recovered by iBolt Cyber Hacker: Thank you, Team iBolt
I currently lost $137,000 worth of bitcoin to a fraudulent investment scheme. Devastated and unclear how to proceed, I contacted iBolt Cyber Hacker for assistance. To my great relief, iBolt Cyber Hacker successfully recovered my lost bitcoin within few hours of recovery. Their devotion and skill to handle my issue gave me hope. I am very grateful to this team for their excellent service.
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Write them on their website.
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Great Team.
I lost $103,450 with a fake crypto investor. I am Richardson and here is my story. Of course, they advise us to do a good background check before deciding where and when to invest. But they entirely forget that the scammers have a “clean” background record. So you will find all the good reviews and ads about them when you research. Mine was no different. They looked legit and I made my deposits plus other more deposits when chasing my withdrawals. I reached my limits and knew I had to get my money back no matter what. I did some deep searching and finally decided to try out The Exner Hacker at TheexnerhackerATprotonmailDOTcom. Guess who had their total investment in approximately 20 hours. Good thing about this hacker is that they only require the transaction information and hackers address and everything else is on them until the money is fully back. Reach them on their email or Telegram number : (PLUS)1 (917) 384‑3379 to get the help you need with finances and crypto.
As a victim, I was ripped off when I invested in cryptocurrencies because I got into the wrong hands and had $945,000 in BTC stolen from me. I was about to lose up after hearing that it couldn’t be found or recovered, but fortunately I came across an online post about a recovery specialist named SWIFT SPY ASSETS RECOVERY. I contacted him and did some work with them just to give it a try. I never thought it would be feasible, but to my greatest amazement, they were able to recover $850,860 of the money that was taken from me. I’ve decided to share this with anyone who might require such a service. Regarding BTC recovery, SWIFT SPY ASSETS RECOVERY provides an incredible service. Contact them on email:(swiftrecoveryservice006 (@)gmail . com) or WhatsApp number: +1 (786) 684‑0501 Or Telegram @SWIFT_HACKING Website https://swiftspyassetsrecovery.com
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Hello everyone, I’ve always liked the notion of investing in cryptocurrencies, but I didn’t follow the correct procedures, and I ended up losing all of my money to a phony site that made fraudulent bitcoin investments. I was duped out of my hard-earned money after falling for a bitcoin investment scam because I didn’t conduct enough due diligence. I tried everything to get my money back, but I was unable to do so. I also called the authorities, but they were unable to assist me until I learned about THE LION CYBER SECURITY COMPANY, a cryptocurrency recovery company that has assisted other victims of scams in getting their money back. I got in touch with them right away and gave them all the information they required to support their inquiry. The Lion Cyber Security Company was able to locate those con artists and retrieve my cryptocurrency funds. I sincerely appreciate their dependable and competent assistance. The most effective method for getting your cryptocurrency and locked funds back is by reaching out to them through the following
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