Voyage-charter

The word “Charterer” is probably as old as the word “Ship” itself.

Do you keep hearing this word so regularly?

Well, who doesn’t?

From seafarer’s point of view, it is so much important to understand these terms.

Why?

From commercial point of view, it is the moral responsibility of the seafarers to ensure that the ship owner profits from the ship operation.

And for this reason, we must understand when and where our loyalties lies.

But sometimes it becomes difficult to get a hang of all of it.

Not anymore.

In this blog, we will discuss about the terms charterer and charter party agreement.

Concept of Charter party agreement

It is all business.

And like in all kind of business, there are at least two parties involved, one of which provide a service or product to the other for a price.

With respect to carrying the cargo onboard the ships, these two parties are,

1) Ship owner who has the ship and provide the space on the ship to carry the cargo.

2) Shipper who has the cargo and wants a ship to transport the cargo

Seller buyer shipowner

Then where does the term charterer fits into this?

Charterer is the party that has chartered (think of simple word “hired”) the ship.

If the shipper has chartered the entire ship then shipper will also be the charterer.

Seller-shipper-charterer

In most of the cases, charterer is a kind of middle man between shipper(s) and shipowners

This is particularly the case if there are more than one shippers.

For example, if the vessel is to load 50000 tons of cargo, there could be 10 shipper, say each of them with 5000 tons of cargo.

Alone none of the shipper would want to hire the entire vessel of 50000 tons capacity for their 5000 tons of cargo.

So they contact a charterer for transporting their cargo.

The charterer’s job is to find a vessel for the cargoes they have from different shippers and maximazing the space on ship they plan to hire.

shippers and charterer

Charterers may not be the only person involved in filling the gap between shipowner and shipper.

Sometime there are some other companies or persons who help shipper, charterer and shipowner to connect with each other for a fees.

They are called “Brokers”.

So the shipper’s broker is the person or company that help shipper find a charterer for a fees called brokerage.

And charterer’s broker is the person that help charterer find a ship to hire.

The charterer may even have brokers for different purpose. For example charterer may have a broker to find a cargo for the ship they want to hire and they may have another broker to find a ship for the cargo they have in hand.

Broker or no broker, the charterer and shipowner would agree on the terms and conditions which would form “Charter party agreement“.

Charter party agreement is a detailed document which, apart from various clauses, has informations such as

  • When and where the vessel is required to be
  • the freight agreed
  • If the broker was used, who need to pay the brokerage fee and how much

Even though shipowners is primarily dealing with the charterer, it does not mean that the shipowner would have no relation with the shipper.

Shipper and shipowner are connected by the “carriage of cargo at sea act”, also called COGSA.

And one of the main point of it is that shipowner is required to issue bill of lading to the shipper for the cargo loaded onboard.

And with that each of the shipper have entered into an agreement with the ship owner which is called “Contract of  carriage”.

While the “charter party agreement” is a formal agreement, the contract of carriage is governed by various laws and regulations such as Hague-Visby rule.

Charter party agreement supplement the contract of carriage.

Usually you would find a mention of the charter party agreement in the bill of lading. The wording in the bill of lading could be something like this.

This shipment is carried pursuant to charter party agreement between “Charterer’s name” and “Carrier’s name” and all the terms, clauses, conditions, liberties and exceptions whatsoever contained therein are incorporated into this bill of lading.

Bill_of_lading_chartering_terms

But do the shipowners and charterers do this exercise of negotiating the format of the charter party agreement each time they do the business together.

Absolutely not. Hell, it would take a lot of time.

Instead they use pre-defined forms. These forms are developed by Independent International stakeholders such as BIMCO and INTERTANKO and are widely used in the shipping business.

There are different forms for different trades.

For example there is form SHELLVOY 6 for use in tanker trade and then there is form AMWELSH 93 for coal dry cargo chartering.

Also if a charterer and ship owner have done the business before, they use the same charter party agreement for the future shipments too.

For this reason, many a times even for a voyage in 2019, you may find the mention of charter party dated in 2016 or even before. In the bill of lading issued even in 2019 , it may read something like,

The shipment is carried pursuant to charter party agreement between “Charterer’s name” and “Carrier’s name” dated 01 January 2016…..

Now that we understand the concept of chartering, let us understand the different ways in which the ships can be chartered.

Voyage Charter, Time charter, Demise charter

There are different ways in which a charterer can charter (Hire) the vessel.

Charterer can charter the vessel for one voyage (Voyage charter), for a particular time period (time charter) or they can hire and run the vessel as if they are the owner of the vessel (Demise or bareboat charter).

In each type of charter, charterers and shipowners have different area of responsibilities.

responsibilities-under-different-charter-party

Each type of charter is a subject in itself. So in this blog we will explore the voyage charter.

Voyage Charter

It should be clear from the name.

Under the voyage charter, the ship is hired from the ship owner for one voyage.

One voyage could consists of multiple load ports and multiple discharge port.

The best analogy to the term voyage charter is that with hiring an Uber for a ride from one place to the other, sometimes with multiple stops in between.

So when we hire an Uber, we hire just the cab. The cab driver is still under the instructions of Uber.

Similarly, under the voyage charter, the charterer has hired the ship’s cargo space. But the Master and crew still remains under the disposal and instructions of ship owner and  ship managers.

When we hire a cab for a ride, we just pay the hire (pre-agreed or by the meter). We do not pay for or are not concerned about the fuel costs or the amount of fuel consumed.

Similarly, under the voyage charter, charterer is not concerned about the fuel consumption. The fuel costs are for the ship owners.

And when we hire an Uber, we do not pay for maintenance of the cab.

Similarly, under the voyage charter it is the ship owner who pays for the maintenance of the ship.

Whenever we have any doubt about anything under voyage charter, just think of this analogy of hiring the cab.

Most likely you will get the answer.

Laytime, Demurrage and despatch

Lord Diplock during one of the leading cases on Laytime described the voyage charter party comprising of four stages.

  • Stage 1 is the loading voyage: The voyage from wherever the ship is to the loading port specified in the voyage charter party
  • Stage 2 is the Loading operation: The loading of the cargo at the port of loading
  • Stage 3 is the carrying voyage: The voyage from load port to the discharge port specified in the voyage charter party.
  • Stage 4 is the discharging operation: The discharging of the cargo from the ship to the port of discharging as specified in the voyage charter party.

In the first and third stage, it is only the ship owner that need to perform. For example. ship owner is required to adjust the speed of the ship to arrive at the loading port within the agreed dates (Laycan).

stages-of-voyage-charter

And in the third stage, the ship owner is required to instruct the vessel to maintain the charter party speed.

However it is the second and fourth stage where most of the disputes take place.

Because in these two stages it is mutual reponsibility of the two parties to ensure that cargo loading and discharging is done without any delays.

In case of delays, each one can accuse the other for delays.

It is definately not commercially profiting for the shipowner if the voyage is extended beyond their expectations.

For example, what if the loading of the cargo took 15 days in comparison to just 2 days that shipowner had expected?

Or what if the ship could not berth at load port or discharge port for many days because of other ships ahead in line up?

Too many uncertainties.

But ship owner’s freight (and profits) cannot depend upon so many uncertainties.

So the shipowner and charterers agree on the factors like allowed number of days for loading and discharging.

In chartering terms this is called “Laydays” or “Laytime”.

The laydays is mentioned in the voyage charter party agreement between ship owner and charterer.

It could be mentioned as number of days and hours or as tons per hours or per day.

If the charterer uses more time for loading and discharging than the allowed laydays as per charter party agreement, then charterer is supposed to pay for extra time used.

The chartering term for this additional payment is “Demurrage”.

So we can say that if charterer uses more time for loading/discharging than laydays, they need to pay demurrage to the ship owner.

But if the charterer uses less time than laydays then ship owner need to pay the charterer for the time saved.

The chartering term for this is “despatch”.

Usually the agreed amount of despatch is about half of the agreed amount for demurrage.

Finally at the end of the voyage, a statement is made to shows the time saved and/or extra time taken at different ports.

Below is the simplified version of the laytime summary calculated at the end of the voyage.

Laytime Summary

This statement would also show the final amount due and to whom it is due. Means if the final amount is demurrage or despatch and how much.

Notice of readiness and statement of facts

For calculation of laytime, it is important to know when the laytime counting and calculation would start.

This information is also provided in the charter party agreement.

In most of the cases, the laytime would commence to start when the vessel has arrived at the port. In chartering term, this is called “Arrived Ship“.

Legally, a ship is considered as an ‘Arrived Ship” only when

  • Ship has arrived at the port of loading or discharging (port voyage charter) or at the designated berth (Berth Voyage charter).
  • Ship is ready in all respects to commence loading (or discharging) or the cargo, and
  • Master has sent the notice of readiness to the all parties concerned

Arrived-Ship

The charter party agreement contains the information if the voyage charter is a port voyage charter or a berth voyage charter.

Irrespective if it is port or berth voyage charter, from the ship’s point of view it is important that the master of the vessel send the notice of readiness.

Notice of readiness need to  state that the vessel has arrived and she is ready in all respect to commence loading (or discharging ) of the cargo.

The laytime would start to commence at this time or sometimes few hours later if specifically mentioned in the charter party agreement.

Since one of the condition for the laytime to start is for the master to send the notice of readiness, it makes it so much of an important aspect.

Statement of Facts

The vessel and the master of the ship are the owner’s representative at the action site (loading port or discharging port).

Ship Owner would know only know the information that we provide them. They would use this information for calculation of any demurrage due to the charterers.

But for the correct demurrage calculation, the information we provide must be correct and we must not miss any important information such as any delays.

That make the statement of facts (commonly called SOF) an important document.

At the least, statement of facts must include

  • any delays from shore side or from ship’s side and reason of delay
  • any delays because of weather conditions
  • Timings for the movement of the ship (such as times for anchoring, anchor aweigh, pilot onboard, NOR Tendered etc)
  • Timings related to cargo operations (Commenced cargo operation and completed cargo operation

Statement_of_facts

Master’s actions during voyage charter

Master and ship staff may not see the actual charter party agreement between the charterer and the ship owner.

And it is for their own benefit too.

Because there would be so many things in that which we seafarers are not concerned about.

But when the  ship is fixed for the voyage charter, master will receive “Voyage instructions” from the charterer through the ship owner’s commercial team.

The voyage instructions contains the information from the charter party agreement that requires master’s attenstion and subsequent actions.

Master must not miss the points in the voyage orders that requires his actions.

One of the way to do it is to highlight the text of the voyage instructions that require his attention for easy follow up.

Voyage_instructions

Once Master reads the voyage instructions, he may come across insufficient information that need more information or clarification.

Like this one in one of the voyage orders.

insufficient_information_in_voyage_orders

Clarification must be sought from the ship operator for any of such information in the voyage orders.

After all it just takes a simple email to get everything in place.

clarifying_voyage_instructions

And once everything is clear and in place, it is just about following that.

Conclusion

There are may be only a handful of shipowners that do not rely on the charterer to find the cargo for their vessel.

Having the vessel on charter is so common.

And vessel can be chartered in different ways. Vessel can be on a voyage charter, time charter or demise/bareboat charter.

With respect to voyage charter, master and ship staff must understand few thing

First, when is the laycan for the vessel. This is period in which vessel must arrive at the load port.

If master thinks that vessel may not be able to make it to the loadport in laycan period, the commercial operator must be informed who can then try to extend the laycan.

Second, when the notice of readiness need to be tendered.

If the voyage charter is a port charter, NOR can only be tendered when vessel is at least within the port limits. Usually in this case NOR is tendered when pilot boards the vessel.

If the voyage charter is berth charter, the NOR can only be tendered when the vessel is alongside the designated berth.

Wrong tendering of NOR can make the Notice of readiness null and void and shipowner may loose tons of money.

Lastly, the ship staff need to be make sure that a correct record of statement of facts is kept. This is the document that is used for laytime calculations.

If the charterer uses more time than agreed for loading or discharging the cargo, the ship owner is supposed to get a pre-agreed compensation called demurrage.

Related Blogs

Follow us Today on
our social network

Capt Rajeev Jassal

About Capt Rajeev Jassal

Capt. Rajeev Jassal has sailed for over 20 years mainly on crude oil, product and chemical tankers. He holds MBA in shipping & Logistics degree from London. He has done extensive research on quantitatively measuring Safety culture onboard and safety climate ashore which he believes is the most important element for safer shipping.

Search Blog

106 Comments

Alok Singh
Alok Singh
Feb 10, 2019

How i wish that our exam books were written so precisely yet so easy to understand .Thanx for all the pain you take .No amount of words would do justice to match the level of you efforts.

Rajeev Jassal
Rajeev Jassal
Feb 13, 2019

Thanks Alok...The readers liking it make all the hardwork worthwhile...

?????? ??????
?????? ??????
Jan 2, 2020

its amazing how you describe anything sir

vk
vk
Dec 1, 2020

what if the vessel is about to tender NOR and shipper cancels the order. what would be the penalty

Olivia Hannah
Olivia Hannah
Oct 9, 2021

Hi everyone I'm Olivia Hannah and am here to share the wonderful work Dr Raypower did for me. After 5 years in marriage with my husband with 2 kids, my husband started acting weird and going out with other ladies and showed me cold love, on several occasions he threatens to divorce me if I dare question him about his affair with other ladies, I was totally devastated and confused until a old friend of mine told me about a spell caster on the internet called Dr. Raypower who help people with relationship and marriage problem by the powers of love spells, at first I doubted if such thing ever exists but decided to give it a try, when I contact him, he helped me cast a love spell and within 48hours my husband came back to me and started apologizing, now he has stopped going out with other ladies and his with me for good and for real. Contact this great love spell caster for your relationship or marriage problem to be solved today via email: Urgentspellcast@gmail.com or Urgentspellcast@yahoo.com or WhatsApp: +14243308109. Read more about him on his website: https://urgentspellcast.wordpress.com/

avinash nambiar
avinash nambiar
Nov 15, 2021

Great article to understand the business with ease as an ASM candidate

sukhchain singh
sukhchain singh
Feb 10, 2019

Many thanks for writing such articles with such an ease of understanding sir...

Rajeev Jassal
Rajeev Jassal
Feb 13, 2019

Glad you liked it Sukhchain...

Marlon Cataquis
Marlon Cataquis
Feb 11, 2019

Another good read. Thank you for taking time to write articles. All Seafarers must understand the commercial aspects of ships. All the best and I cant wait to read the next one.

Rajeev Jassal
Rajeev Jassal
Feb 13, 2019

Glad you liked it Marlon...

Zibi Kossak
Zibi Kossak
Feb 13, 2019

what if the ship could not berth at load port or discharge port for many days because of other ships ahead in line up?Too many uncertainties.But ship owner’s freight (and profits) cannot depend upon so many uncertainties.So the shipowner and charterers agree on the factors like allowed number of days for loading and discharging.In chartering terms this is called “Laydays” or “Laytime” ??? Laydays refer to the time when a ship must present itself to the charter.If the vessel arrives after the laydays ,than contract can be cancelled. -Laycan. Laytime is the amount of time allowed (in hours and days)in a voyage charter for the loading and unloading of cargo.

Rajeev Jassal
Rajeev Jassal
Feb 13, 2019

Thanks for your input Zibi...

Paul G
Paul G
Sep 9, 2021

Laydays or "Laycan "I think is the correct term not Laytime. :)

MURUGADASAN M
MURUGADASAN M
Feb 13, 2019

Thanks for such simplified explanations. Sir could you please tell the few famous ship brokers names in india and worldwide.

Rajeev Jassal
Rajeev Jassal
Feb 13, 2019

Interocean is one of them...

Sajjad Modak
Sajjad Modak
Feb 13, 2019

Thank Captain for simple & detailed explanation. Information is really worthy .

Rajeev Jassal
Rajeev Jassal
Feb 13, 2019

Glad you found it useful Sajjad...

Dharmdeepsinh
Dharmdeepsinh
Feb 13, 2019

Thanks Capt. Rajeev for this good information in simple way.

Rajeev Jassal
Rajeev Jassal
Feb 13, 2019

Glad you liked it Dharmdeep...

ADELBERT PEREIRA
ADELBERT PEREIRA
Feb 14, 2019

Very well written capt., pls continue the good work

Rajeev Jassal
Rajeev Jassal
Feb 16, 2019

Thanks Capt Pereira...

Tunde Omoju
Tunde Omoju
Feb 14, 2019

This is a scholarly article Great job Captain!

Rajeev Jassal
Rajeev Jassal
Feb 16, 2019

Glad you liked it Tunde...

Capt. Edward Montgomery
Capt. Edward Montgomery
Feb 14, 2019

Good job, Capt. Jassal! These mandatory intricacies of ship's business & chartering are excellently presented. Organized and laid out as you have, this blog subject does a great service to anyone who longs to learn more about it & be more familiar with the clauses, details & positions (which is probably everyone, right?) -- including this marine cargo surveyor!

Rajeev Jassal
Rajeev Jassal
Feb 16, 2019

Glad you liked it Capt Edward...

Rafik
Rafik
Feb 15, 2019

Many thanks

Rajeev Jassal
Rajeev Jassal
Feb 16, 2019

Thanks Rafik...

sanjeevi
sanjeevi
Feb 19, 2019

sir plz explain magnetic compass

Rajeev Jassal
Rajeev Jassal
Feb 28, 2019

I will do that in a different blog...

Raju Yadav
Raju Yadav
Feb 20, 2019

Once again thank you very much.

Rajeev Jassal
Rajeev Jassal
Feb 28, 2019

Thanks Raju...

Thirumalar Kannan
Thirumalar Kannan
Feb 21, 2019

Informative Awaiting next one regarding time charterers

Rajeev Jassal
Rajeev Jassal
Feb 28, 2019

Will write on Time chartering too...

mastermohamad
mastermohamad
Feb 23, 2019

many thanks for this jobs cap

Rajeev Jassal
Rajeev Jassal
Feb 28, 2019

Thanks...

AHMED MADY
AHMED MADY
Feb 24, 2019

How easy way for explain this matter ,really very good job captain I appreciate your good effort waiting more and more

Rajeev Jassal
Rajeev Jassal
Feb 28, 2019

Thanks Ahmed...

nithin
nithin
Mar 13, 2019

sir waiting for your blog on purging and gas freeing cargo tanks

ANUBHAV WADHWA
ANUBHAV WADHWA
Apr 19, 2019

Very nicely explained and written good effort

Kiran
Kiran
Apr 25, 2019

Very nice explanation capt,

Anurag
Anurag
May 2, 2019

Generally the CP agreement is never sent to ship..and hence for tendering NOR what criteria(LOCATION) shall be followed as Master will not be aware if the C/P is voyage or Port C/P .These days Master tender NOR on arrival and then they keep re tendering every 24 hrs or at important events like POB, or All Fast.What is the logic behind following this and how we can ensure the NOR tendering doesn't becomes null and void. really APPRECIATE YOUR GREAT EFFORTS

Noha
Noha
Jul 16, 2019

if the vessel arrived at the agreed laycan and gave a valid NOR tendered and waited for almost 5 days before berthing, then while berthing the vessel had an accident and the owner requsted a new laycan, the question here is, does cancelling the old laycan result in canceling the demurrage fees caused by it?

Jeroen Leenderts
Jeroen Leenderts
Apr 14, 2020

When a vessel suffers breakdown typically NOR becomes invalid as the vessel was not in all respects ready to load her cargo.

Job
Job
Jul 22, 2019

U don't see such priceless articles often.. Good work cap. Let's make the world a better place to sail????????

A C
A C
Sep 30, 2019

To the writer of this blog- what made you write this? IT IS FANTASTIC. Well done. Also your MBA, was it the distant learning one from Middlesex?

Rodrigo
Rodrigo
Oct 15, 2019

On the Laytime Summary calculation, wouldn't it be correct to say that on the loading it was lost 0d-12h-24 min instead of 1d-00-24m?

Bibhu Rath
Bibhu Rath
Oct 26, 2019

Captain sahab, if I ever get a chance, I'll surely shake hand and say thank you, for all your efforts in simplifying the topics

Capt Kostas
Capt Kostas
Nov 1, 2019

can you advise for the following : in case a vessel is on Voyage Charter, and during loading or discharging alongside berth, there is a rainy period, so the daytime for this period should be NOT TO COUNT, correct??? cause there is the terms "weather permitting".

Amar anand
Amar anand
Mar 29, 2020

Great article sir......waiting for more.....

Michael Rowland
Michael Rowland
Apr 28, 2020

Hi. How does the shipbroker locate a suitable ship to transport the cargo?

Giovanni
Giovanni
Apr 30, 2020

Good day! You have mentioned different stages of voyage charter. May I ask what are the different stages of Time Charter and Bareboat Charter? Thank you in advance.

Amar anand
Amar anand
Jun 29, 2020

Nice blog...pleasure to read

Justice Enwefa
Justice Enwefa
Sep 7, 2020

I love your write up. Please, keep exposing our mind to the rudiments of shipping business.

Alex
Alex
Oct 26, 2020

Sir, in voyage charter party at what time and place charter party agreement will start? After ship arriving on laycan days or after giving notice of readiness? And notice readiness when we can give? Is there any specific time only we can give NOR?

hameed
hameed
Oct 31, 2020

I have a question, How to calculate the freight for a Multiport voyage. for example, there is a Cargo loaded from the country (C) and need to discharge its half portion in other countries multiple ports (A) & (B). For single port discharge, the cost is 8$ in port A and in Port B 11$, but the agent says he could fulfill this in 10$ for both ports. Now my question is how is he calculating the freight 10$ for Multiple port ?

Ashish Amar
Ashish Amar
Jan 25, 2021

Thank you sir for this great effort helping a lot for phase2 law preparation

Karla Sequeira Ortega
Karla Sequeira Ortega
Feb 25, 2021

Hi Sir! I am so pleased to have found your blog, it is absolutely helpful. if it is not too much to ask, do you have a quote sample for time and voyage charter? and the stardard terms and conditions? sorry if I am asking too much. thank you

Nitin chavan
Nitin chavan
Feb 26, 2021

Excellent blog about chartering service. This blog cleared my doubt about chartering service for ship

deniz
deniz
Mar 1, 2021

could you please advise that how long a shipowner should wait cargo to load on board (if cargo not ready) and no any specific clause written on voyage cp

Capt MK Srivastava
Capt MK Srivastava
May 30, 2021

Hi, Capt Jassal, I find every write up on any marine subject is excellent and easy to understand for students. I highly appreciate the contents of your blog. Regards Capt MK Srivastava , Ex-DPA, The SCI Ltd.

Timothy Dale
Timothy Dale
Jun 20, 2021

PERFECT LOTTERY SPELL THAT WORK FAST WITHIN 24 HOURS WITH DR RAYPOWER LOTTERY SPELL POWERS I saw so many testimonies about Dr Raypower a great lottery spell caster that will help you cast a lottery spell and give you the rightful numbers to win the lottery, i didn't believe it, at first but as life got harder i decided to take a try,  I contacted him also and told him i want to win a lottery he cast a lottery spell for me which i use and i play and i won $3,000,000 (THREE MILLION DOLLARS). I am so grateful to this man Dr Raypower and I am making this known to everyone out there who have been trying all day to win the lottery, believe me this is the only way to win the lottery, this is the real secret we all have been searching for. Do not waste time contact him today for you to also be a winner contact info below. Email: Urgentspellcast@gmail.com or Urgentspellcast@yahoo.com WhatsApp: +1 (424) 330-8109 Website: https://urgentspellcast.wordpress.com/

micheal pan
micheal pan
Jun 22, 2021

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 ...the email address again is ; atmmachinehackers1@gmail.com

Caillo Lisa
Caillo Lisa
Jun 22, 2021

This is another testimony on how Chief Dr Lucky cured my HIV disease. Do you need a cure for your HIV disease? Do you want to be cured from your cancer disease? Or you want to be free from any type of disease. Kindly visit his website https://chiefdrluckyherbaltherapy.wordpress.com/ . He just cured my HIV disease and I’m very grateful to him, he is the only herbalist that can cure you.   WhatsApp number : +2348132777335  Via Email : chiefdrlucky@gmail.com Thank you all for reading, God bless"

Basil T
Basil T
Jun 25, 2021

Wonderfully explained

KETINA BARLEY
KETINA BARLEY
Jun 28, 2021

I want to say thanks once again to this great man called Dr Zuma and his spiritual way of helping people i lives in USA with my husband we love each other and also he care about me always look forward to make things easy for both of us 9 years after our wedding, we both work harder to make a family greatest surprise, we have a kid after some times again, we have another one so with this, we live in peace and he was so honest to me shortly, he started misbehaving that i don’t know what is going on then i asked him. Darling what is going on? you are so strange to me this few days hope i have not offended you? he said no. Not knowing he have an affair with one lady out side who promised him a car and apartment in one estate were i cannot see him also when he cannot see me i manage to stay with him pleading him he should forgive me if i have wrong him he started complaining he has no money that he has lost all his money in his business that he needs some money then i asked him how much is this money you are looking for? he did not know i can afford it. Then, he said $14,000USD i promised him i we give it to him just for him to care about his family. My greatest surprise, the next day, i went to work and our two kids were in school not knowing his going to leave the house before i come’s back i met some of his things outside i was waiting for him to come back he never come back i cried i miss him so much and he have taking all my money away i was only left with $800USD. One day, as i was ready a blog i saw a testifier made by someone in Australia called Jessica telling people about how this man call Dr Zuma helped her and the man’s contact email was there and his mobile number then i contacted him for a help and really, he brought back my husband now am so happy my brothers and sister if you are in such relationship problem kindly via Email spiritualherbalisthealing@gmail.com or Whatsapp +15068001647 Blog: https://spiritualherbal.blogspot.com he will help you solve all your problems.

Riya Kaif
Riya Kaif
Jul 8, 2021

While the blockchains themselves are secure, the applications running on the blockchain may not be. These applications interact with the blockchain through smart contracts, but just like any other software, bugs in the code can lead to security vulnerabilities. For this, we need to involve the auditors who conduct security audits on the smart contract. Smart Contract Audit helps you find hidden exploits and eventually reduce the risk and provide you an extra layer of security. Bug-free code is nice to have in other types of software, in blockchain applications, it is essential.

tony cam
tony cam
Jul 10, 2021

My name is Tom cam!!! i am very grateful sharing this great testimonies with you all, The best thing that has ever happened in my life, is how i worn the Powerball lottery. I do believe that someday i will win the Powerball lottery. finally my dreams came through when i contacted Dr. OSE and tell him i needed the lottery winning special numbers cause i have come a long way spending money on ticket just to make sure i win. But i never knew that winning was so easy with the help of Dr. OSE, until the day i meant the spell caster testimony online, which a lot of people has talked about that he is very powerful and has great powers in casting lottery spell, so i decided to give it a try. I emailed Dr. OSE and he did a spell and gave me the winning lottery special numbers 62, and co-incidentally I have be playing this same number for the past 23years without any winning, But believe me when I play the special number 62 this time and the draws were out i was the mega winner because the special 62 matched all five white-ball numbers as well as the Powerball, in the April 4 drawing to win the $70 million jackpot prize...… Dr. OSE, truly you are the best, with Dr. OSE you can will millions of money through lottery. i am a living testimony and so very happy i meant him, and i will forever be grateful to him...… you can Email him for your own winning special lottery numbers now oseremenspelltemple@gmail.com OR WHATSAPP him +2348136482342

Jessica Smith
Jessica Smith
Jul 11, 2021

After being in relationship with Wilson for seven years,he broke up with me, I did everything possible to bring him back but all was in vain, I wanted him back so much because of the love I have for him, I begged him with everything, I made promises but he refused. I explained my problem to someone online and she suggested that I should contact a spell caster that could help me cast a spell to bring him back but I am the type that don’t believed in spell, I had no choice than to try it, I meant a spell caster called Dr Zuma zuk and I email him, and he told me there was no problem that everything will be okay before three days, that my ex will return to me before three days, he cast the spell and surprisingly in the second day, it was around 4pm. My ex called me, I was so surprised, I answered the call and all he said was that he was so sorry for everything that happened, that he wanted me to return to him, that he loves me so much. I was so happy and went to him, that was how we started living together happily again. Since then, I have made promise that anybody I know that have a relationship problem, I would be of help to such person by referring him or her to the only real and powerful spell caster who helped me with my own problem and who is different from all the fake ones out there. Anybody could need the help of the spell caster, his email: spiritualherbalisthealing@gmail.com or WhatsApp him +15068001647 blog: spiritualherbal.blogspot.com you can email him if you need his assistance in your relationship or anything. CONTACT HIM NOW FOR SOLUTION TO ALL YOUR PROBLEMS

jessica stephen
jessica stephen
Jul 15, 2021

I am not sure I could have done it without you. I contacted a real spell caster that helped me change my husband’s heart to love and want me again, and he really did and now we are very happy together. My husband left me for another woman, This was just 3 years of our marriage. The most painful thing is that I was pregnant with our second baby. I wanted him back. I did everything within my reach to bring him back but all was in vain, I wanted him back so badly because of the love I had for him, I begged him with everything, I made promises but he refused. I explained my problem to my friend and she suggested that I should rather contact a spell caster that could help me cast a spell to bring him back , I had no choice than to try it. I messaged the spell caster called dr unity, and he assured me there was no problem and that everything will be okay before 11 hours. He cast the spell and surprisingly 11 hours later my husband called me. I was so surprised, I answered the call and all he said was that he was so sorry for everything that had happened He wanted me to return to him. He also said he loved me so much. I was so happy and went to him that was how we started living together happily again.thanks to dr unity . if you are here and your Lover is turning you down, or your husband moved to another woman, do not cry anymore, contact Dr.Unity for help now.. Here his contact..WhatsApp him: +2348055361568 , Email him at: Unityspelltemple@gmail.com , Watch this YouTube channel to know how grateful I am https://youtube.com/shorts/rBPtBktMmtA?feature=share

Erwin de Zwarte
Erwin de Zwarte
Jul 28, 2021

Dear Capt Rajeev Jassal, with interest i have seen your blog however the title struck me a bit - A Layman's Guide to Laytime - this sounds very familiar, if not accurate, with the dissertation i wrote for the ICS, Institute of Charterers Shipbrokers London, who hold copyright on this. Kindly amend the title of your blog to avoid confusion in the industry as to whom the readers take their information from. With best regards, Erwin de Zwarte, FICS

Mrs. Santana Valdez
Mrs. Santana Valdez
Aug 3, 2021

i am giving this testimony cos l am happy My name is Mrs. Santana Valdez from Houston,taxes.i never believed in love spells or magic until i met this spell caster once. when i went to Canada in June 28th 2021 this year on a business summit. i meet a man called Dr Zuma zuk.He is powerful he could help you cast a spells to bring back my love's gone, misbehaving lover looking for some one to love you, bring back lost money and magic money spell or spell for a good job. i'm now happy & a living testimony cos the man i had wanted to marry left me 3 weeks before our wedding and my life was upside down cos our relationship has been on for 2 years. i really loved him, but his mother was against me and he had no good paying job. so when i met this spell caster, i told him what happened and explained the situation of things to him.. at first i was undecided, skeptical and doubtful, but i just gave it a try. and in 6 days when i returned to taxes, my boyfriend (is now my husband ) he called me by himself and came to me apologizing that everything had been settled with his mom and family and he got a new job interview so we should get married..i didn't believe it cos the spell caster only asked for my name and my boyfriends name and all i wanted him to do. well we are happily married now and we are expecting our little kid, and my husband also got a new job and our lives became much better. in case anyone needs the spell caster for some help, email address spiritualherbalisthealing@gmail.com Great Zuma zuk i thank you very much thank you in 1000000 times.. if not you i would have been losted and wasted thank you. Email Him Through his email address... spiritualherbalisthealing@gmail.com please make sure you contact him for any financial difficulties okay...What a powerful man such as Dr Zuma zuk.. he is so much powerful..\\ email him for any difficulties.. spiritualherbalisthealing@gmail.com His whatsapp +15068001647

Ryan Carlos
Ryan Carlos
Aug 30, 2021

BEST LOTTERY SPELL BY POWERFUL DR. OBINNA I use to be a very poor man who has always not find luck when it comes to playing the lottery. I have been playing lottery since i was 21 years and now i am 52 meaning i have been playing lottery for 31 years. The biggest amount i have ever won in my life was 400 bucks. But one day my story turns to history after i find this man name DR. OBINNA on the Internet that he is the best when it comes to winning lottery. This man is a very strong voodoo doc who gives out the numbers that can never fail. After all my years of laboring and struggling to win the lottery i finally won ( $62,000,000) with the help of DR. OBINNA lottery spell. email him now to get the best lottery number to win big amount of lottery All thanks to Dr OBINNA His contact informations... Email: obinnaspelltemple@yahoo.com His WhatsApp +19492293867.

perez turner
perez turner
Sep 19, 2021

I am Perez Turner from Australia , i want to thank Mr Luis Donald for the help he rendered me with the Blank Atm Card that save my life and my family , i lost my job last year during Corona Virus and ever since then it has been very difficult to take care of my family and pay other bills,while hunting for job online i came across one Lady testimony about Mr Luis Donald Blank Atm Card that help her with capital money to start up a business , at first i was scared to contact him because of the trending news about scams, i told my wife about it and she told me to take the risk and i contacted Mr Luis Donald for the card ,after 2-3 days i received the card from him and follows his instruction on how to used the card ,am so happy today to share this because I have use it to get 45,000 dollars. withdraw the maximum of 3,500 USD daily. Luis Donald is giving out the card just to help the poor. Hack and take money directly from any atm machine vault with the use of atm programmed card which runs in automatic mode.hurry now and contact him on how to get yours.Email: besthackersworld58@gmail.com Text & Call or WhatsApp:+1(475)-701-0611

Hidago Daniel
Hidago Daniel
Sep 22, 2021

I never use to believe in lottery winning spell until i met Lord Zuma who help me to win the lottery number, This is a great testimony on how i won $100,000 in my play lottery in the mega million lottery jackpot , I took an advice from someone called Wilson the person who talked about this great voodoo spell caster called Lord Zuma the person placed a testimonies on a blog also on a facebook saying how Lord Zuma helped him win the lottery by sending him the winning number i was curious and i thought it was all joke not until i contacted this spell caster to know for myself how this work cause i have spend a lot buying tickets and i never win. I contacted him and he told me the necessary thing that need to be done and i did it and he told me to wait for 2days and truly he gave me the winning numbers to play the lottery which i did, Can you believe my name was the first among winners. He told me (my son all i need you to do for me is make sure that you share this testimonies to others so that they can also win the lottery cause i do not have much time to spell on the internet) so that is why i am sharing this testimony with you that if you want to win the lottery this is the way online tips can not help you,, i will forever be grateful to you, Email him for your own winning lottery numbers, He alone have the winning numbers to win the lottery, Because he is a gifted human being who is fully blessed to help other who are in need, All you need to do is to contact this man and make your life easy and wealthy. His email address: spiritualherbalisthealing@gmail.com and whatsapp number +15068001647 For all problems and pains to be over i win my game.

Lilette Griffin
Lilette Griffin
Sep 28, 2021

I want to say thanks to this great man called Dr. Osasu who helped me in my marriage life. my name is Lilette Griffin lives in USA, So I was married to Albert we both love and like each other before our marriage, he care about my well being so i was so happy that i have found a man like this in my life my parents love him so much because of his kindness towards me and the way he care about me after four years in my marriage, no child he was not showing me much care anymore but i notice something is going on which i no. then i keep on with the relationship and i was hoping one day God will open my way to have a child in my home then i keep on going to church from one play to another by telling all the pastors about my problems that i don't have a child so many of them promise me that soon i we have a child in my home i keep on hoping in God's miracle on till one day when i went for a visit in my friend office then i was welcome by my friend we started dis causing about so many things on marriage life i was so shock she ask me about my wedding and what is going on till now i still don't have a child then i told her my dear sister i don't no what to do anymore and am scared of loosing my husband who have be caring for me for a long time now then she said i we not loosing him i ask how? then she said there is one man called Dr. Osasu who help in a relationship then i keep on asking how about him she told me this man can do all thing and make things possible i never believe her for once that this man she is talking about can do it so fast. also i ask her how do i get his contact she said i should not worry my self then she gave me his contact email ID and his number to contact him i said ok i will try my best to do so she wish me the best of luck in life then i went home gotten home, found that my door is open i was scared thinking so many things i don't no who is in my house now i look at the key in my hand i was thinking i did not lock my door shortly a word came into my mind that i should go inside and check if there is any body at home or my husband getting inside, i found that my husband move away his things in the house then i started calling his number refuses to pick i was like a mad Dog i cried and cried don't no what to do then i remember to that a friend of mine gave me a contact today i take my computer i emailed this man called Dr. Osasu also i called him on his cell phone which i received from my friend he spoke to me very well and i was happy my husband we come back to me so after the work was well done by Dr. Osasu, just in three days i heard my phone ringing not knowing it was my husband telling me his sorry about what he did to me then i accepted him again a month later, i was pregnant for him so i rest my testimony till i deliver safely i we give the best testimony again so my sisters and brothers if you are in such pain kindly contact this great man with this email drosasu25@gmail.com OR WhatsApp +2347064365391

Larry Baier
Larry Baier
Oct 3, 2021

Hello viewers I want you all to help me thank Dr Graceondu for transforming my life, i have been playing lottery games for a very long time without winning, i met a friend whom i complained to about my inability to win and he introduced me to Dr Graceondu whom helped his life by giving him a game that he played and he won $150,000 so i contacted him through his email and he assured me that i will win big once he give me a game to play, he asked me to give him two day so he can make prayers to his gods so that the winning numbers will be revealed to him, so i waited for the two days the second day he sent me the number to play, so i went to play the game i never had it in my mind that i was going to win such amount of money, so on that faithful day i went to check the game on April 16, 2021 and behold i got the biggest shock of my life i won $2,000,000 and from that moment my life changed. all thanks to Dr Graceondu, i want to also advice everyone out there to also contact him if you have been playing lottery and you have never won. You can reach him via his email, drgraceondu12@gmail.com or WhatsApp him +15204677763, you can also visit his Website. https://drgraceonduadodo.com

bompf
bompf
Oct 21, 2021

I must testify that your article is out standing.most of the articles I come across these days do not really provide anything that attracts others as yours, but believe me the way you interact is literally awesome I do respect that so much. I will instantly get your link and stay informed of any updates you make and as well take the advantage to share some vital information regarding the different steps which can be use to join the top class of people in the world. HOW TO JOIN ILLUMINATI and be in control of wealth and fame

tania sanny
tania sanny
Nov 1, 2021

I won $57,000,000 (Fifty Seven Million Dollars) in the powerball lottery, I took an advice from someone who talked about this great spell caster called Dr Lucas, the person placed a testimony on a blog thanking Dr Lucas on how he helped him win the lottery by sending him the winning numbers, i was curious and i thought it was all joke until i contacted this spell caster to know for myself how this work because i have spent a lot buying tickets and i have never win anything. I contacted him and he told me the necessary things that needed to be done and i did it and he told me to wait for 2days he will cast the spell on the winning numbers and send them to me to play and truly he gave me the winning numbers to play the lottery which i did, Can you believe my name was the first among winners. He told me (my daughter all i need you to do for me is make sure that you share this testimony to others so that they can also win the lottery. So that is why i am sharing this testimony with you that if you want to win the lottery this is the best way to win, online tips can not help you Dr Lucas is the only answer to your problems of winning the lottery. Contact Dr Lucas today and win the lottery like me Drlucasspelltemple@gmail.com

Rosemary
Rosemary
Nov 2, 2021

Hello everyone, Are you looking for a professional trader, forex and binary manager who will help you trade and manager your account with good and massive amount of profit in return. you can contact Mr. Anderson for your investment plan, for he helped me earned 8,000usd with little investment funds. Mr Anderson you're the best trader I can recommend for anyone who wants to invest and trade with a genuine trader, he also helps in recovery of loss funds..you can contact him on his whatsapp: (+447883246472) Email (tdameritrade077@gmail.com)I advice you shouldn't hesitate He's great.

tania sanny
tania sanny
Nov 2, 2021

I won $57,000,000 (Fifty Seven Million Dollars) in the powerball lottery, I took an advice from someone who talked about this great spell caster called Dr Lucas, the person placed a testimony on a blog thanking Dr Lucas on how he helped him win the lottery by sending him the winning numbers, i was curious and i thought it was all joke until i contacted this spell caster to know for myself how this work because i have spent a lot buying tickets and i have never win anything. I contacted him and he told me the necessary things that needed to be done and i did it and he told me to wait for 2days he will cast the spell on the winning numbers and send them to me to play and truly he gave me the winning numbers to play the lottery which i did, Can you believe my name was the first among winners. He told me (my daughter all i need you to do for me is make sure that you share this testimony to others so that they can also win the lottery. So that is why i am sharing this testimony with you that if you want to win the lottery this is the best way to win, online tips can not help you Dr Lucas is the only answer to your problems of winning the lottery. Contact Dr Lucas today and win the lottery like me Drlucasspelltemple@gmail.com

Nancy Brown
Nancy Brown
Nov 3, 2021

IT WORK 100%....I just got my Marriage fixed, I contacted a real spell caster that helped me change my husband’s heart to love and want me again, and he really did and now we are very happy together. My husband left me for another woman, This was just 3 years of our marriage. The most painful thing is that I was pregnant with our second baby. I wanted him back. I did everything within my reach to bring him back but all was in vain, I wanted him back so badly because of the love I had for him, I begged him with everything, I made promises but he refused. I explained my problem to my friend and she suggested that I should rather contact a spell caster that could help me cast a spell to bring him back , I had no choice than to try it. I messaged the spell caster called dr unity, and he assured me there was no problem and that everything will be okay before 11 hours. He cast the spell and surprisingly 11 hours later my husband called me. I was so surprised, I answered the call and all he said was that he was so sorry for everything that had happened He wanted me to return to him. He also said he loved me so much. I was so happy and went to him that was how we started living together happily again.thanks to dr unity . if you are here and your Lover is turning you down, or your husband moved to another woman, do not cry anymore, contact Dr.Unity for help now.. Here his contact...WhatsApp him: +2348055361568 , Email him at: Unityspelltemple@gmail.com ,His website:https://reallovespell.wordpress.com

Liliana Moore
Liliana Moore
Nov 3, 2021

REAL AND EFFECTIVE LOVE SPELL CASTER TO BRING BACK EX LOVER URGENTLY My husband and I have been married for about 7 yrs now. We were happily married with two kids, a boy and a girl. 3 months ago, I started to notice some strange behavior from him and a few weeks later I found out that my husband is seeing someone. He started coming home late from work, he hardly cares about me or the kids anymore, Sometimes he goes out and doesn't even come back home for about 2-3 days. I did all I could to rectify this problem but all to no avail. I became very worried and needed help. As I was browsing through the Internet one day, I came across a website that suggested that Dr Jumba can help solve marital problems, restore broken relationships and so on. So, I felt I should give him a try. I contacted him and he did a spell for me. Two days later, my husband came to me and apologized for the wrongs he did and promised never to do it again. Ever since then, everything has returned back to normal. My family and I are living together happily again.. All thanks to Dr Jumba . If you need a spell caster that can cast a spell that truly works, I suggest you contact him. He will not disappoint you. This is his Email : wiccalovespelltools@gmail.com WhatsApp +19085174108 Website : https://drjumbaspellhome.wordpress.com

sumit kajla
sumit kajla
Nov 5, 2021

sir will you pls write on paramount clause , new jasson clause , cesser clause and both to blame collision clause

William DeLuca
William DeLuca
Nov 10, 2021

Good day everybody, This is my testimony on how i won $4,200,201 million my name is William DeLuca, I want to use this opportunity to thank Great Priest Salami for helping me to win the lottery of $4,200,201 million dollars on Mega millions lottery ticket. I have been playing the lottery for the past 10 years now and I have never won. Ever since then I have not been able to win and I was so upset and I needed help to win the lottery. So I decided to go online and search for help, there i saw so many good testimonies about this man called Great Priest Salami of how he has cast lucky spell lotto for people to win the lottery. I contacted him also and told him I want to win a lottery, he cast a spell for me which I use and I played and won $3,471,009 million dollars. I am so grateful to this man, just in-case you also need him to help you win, you can contact him through his email: purenaturalhealer@gmail.com

Lerynne West
Lerynne West
Dec 7, 2021

I never knew lottery spells existed until I was referred to DR AMBER by my neighbour. I have been playing lottery games for the past 7 years and I have never won above $2,000 but after I came in contact with DR AMBER, I told him my past experience about playing lottery of which I have never won big amount and DR AMBER told me what will be done by praying and preparing a lottery spell for me. He did that and gave me some numbers to play the lottery game. At first I took everything as a joke until I was emailed a week after that I had won the sum of $343.9 million. I was shocked and surprised at that very moment because my long awaited prayers had finally been answered and I thank DR AMBER for helping me out for my financial status to change and that of my generations. If you want to win a huge amount on your next lottery game, contact DR AMBER now and I assure you that your bold step will be your change of level. Email him via: amberlottotemple@yahoo.com or Call/WhatsApp this number +1 (406) 646-2222 for immediate response.

Louis Drake
Louis Drake
Dec 8, 2021

What a powerful spell caster, all my life i have never seen a powerful man like Dr Graceondu, i have been playing lottery game for years now and i have never won any reasonable amount of money i was just checking things online and i stumble on a testimony about Dr Graceondu on how he helped someone with a lottery game and the person won a very big amount of money at first i never believed in the fairy tails but i just decided to give it a try, so i contacted Dr Graceondu through his website and he told me what i need to do, so i did what he asked me to do, the next day in the morning he sent me some lottery number to play so played the game, to my greatest surprise i won a very big amount of money $5.1million i was shocked i couldn’t close my mount because it was a life transformation for me, i just want the whole world to help me thank Dr Graceondu for transforming my life i promised him i was going to tell the whole world about him, you can also contact him if you need his help too. You can reach him via his email drgraceondu12@gmail.com or WhatsApp him +15204677763, you can also visit his website at https://drgraceonduadodo.com

Sorina Jeffery
Sorina Jeffery
Dec 9, 2021

Are you in need of Loan? Here all problem regarding Loans is solve between a short period of time what are you waiting for apply now and solve your problem or start a business with funds Contact us now. many more 2% interest rate.(Whats App) number +919394133968 patialalegitimate515@gmail.com Mr Sorina

mercy
mercy
Dec 10, 2021

I saw some testimonies about Dr lucky a great lottery spell caster that will help you cast a lottery spell and give you the rightful numbers to win the lottery, i didn't believe it, at first but as life got harder i decided to take a try, I contacted him also and told him i want to win a lottery he cast a lottery spell for me which i use and i play and i won $300,000 . I am so grateful to this man Dr lucky and i am making this known to every one out there who have been trying all day to win the lottery, believe me this is the only way to win the lottery, this is the real secret we all have been searching for. Do not waste time contact him today for you also to be a winner contact info below.    drluckysolutionspelltemple25@gmail.comHis whatsapp link below: https://wa.me/message/K4C5R4T4FPOTH1

Louis Drake
Louis Drake
Dec 14, 2021

What a powerful spell caster, all my life i have never seen a powerful man like Dr Graceondu, i have been playing lottery game for years now and i have never won any reasonable amount of money i was just checking things online and i stumble on a testimony about Dr Graceondu on how he helped someone with a lottery game and the person won a very big amount of money at first i never believed in the fairy tails but i just decided to give it a try, so i contacted Dr Graceondu, and he told me what i need to do, so i did what he asked me to do, the next day in the morning he sent me some lottery number to play so played the game, to my greatest surprise i won a very big amount of money $5.1million i was shocked i couldn’t close my mount because it was a life transformation for me, i just want the whole world to help me thank Dr Graceondu for transforming my life i promised him i was going to tell the whole world about him, you can also contact him if you need his help too. You can reach him via his email drgraceondu12@gmail.com or WhatsApp him +15204677763, you can also visit his website at https://drgraceonduadodo.com

Gordon Rees
Gordon Rees
Dec 25, 2021

I am so happy and filled with JOY. I am Gordon Rees by name and I work as a taxi driver. I love playing lottery but I have not won any huge sum except for a few Pounds. I decided to search online for help on how I can win very big because I have been playing lottery for the past 10 years. Then, I saw a post about Dr Amber who specializes in lottery spells. I contacted him and he told me everything about how to get the spell done for me and I agreed. He prepared a lottery spell for me and within 3 days, he gave me the numbers to play the lottery of which I did and after 2 days, I was told that I have won the sum of 1 million Pounds on the lottery game I played. I was surprised about it and I had to make sure I verified everything before believing that I was the winner of 1 million Pounds and ever since then, my life has changed and I am so happy living my dream life. If you need help to win your lottery game, WhatsApp Dr Amber on: +1 (406) 646-2222 or email: amberlottotemple@yahoo.com

Brittany Dustin
Brittany Dustin
Dec 28, 2021

GET RICH WITH BLANK ATM CARD ... Whatsapp: +18033921735 I want to testify about Dark Web blank atm cards which can withdraw money from any atm machines around the world. I was very poor before and have no job. I saw so many testimony about how Dark Web Cyber hackers send them the atm blank card and use it to collect money in any atm machine and become rich.( darkwebcyberhackers@gmail.com ) I email them also and they sent me the blank atm card. I have use it to get 250,000 dollars. withdraw the maximum of 5,000 USD daily. Dark Web is giving out the card just to help the poor. Hack and take money directly from any atm machine vault with the use of atm programmed card which runs in automatic mode. You can also contact them for the service below * Western Union Transfer Hack * Bank Transfer Hack * PayPal / Skrill Transfer Hack * Crypto Mining Hack * CashApp Transfer Hack Email: darkwebcyberhackers@gmail.com OR darkwebcyberhackers@yahoo.com Text & Call or WhatsApp: +18033921735 Visit: https://darkwebcycberhackers.com/

Gregg R
Gregg R
Dec 30, 2021

HOW I BECAME A LOTTERY WINNER I have been playing lottery games secretly for years without cashing out hugely and I needed to cash out big no matter what it takes. I overheard my boss telling his friend about DR AMBER on the internet saying that he has been so helpful to him and his family with his powerful spells. So, I researched about DR AMBER online and I saw various reviews about his works and I made sure I hit him up on WhatsApp via +1 406 646 2222 and I told him I needed a lottery spell and he explained to me what it will take to get it done and I accepted his terms. He prepared the lottery spell for me and gave me some numbers and told me when to play the lottery of which I did and after 4 days, I was called and told that I was the lucky winner of $263,948.00 and today I no longer work as delivery man. I want to use this medium to say thank you DR AMBER for your help in my life. If you need his help, you can reach him too on email via: amberlottotemple@yahoo.com for he's like a God on Earth sent from above.

Albert Monroe
Albert Monroe
Dec 30, 2021

Hi everyone i want to share my amazing testimony on how Dr Graceondu blessed my life, i used to work as a cleaner in supper market, i have been playing lottery game for long now and i don't usually win, i came across a testimony of someone testifying about how Dr Graceondu prayed for her and gave her a lottery game to play and she won big amount of money, so i also decided to try my luck, i contact him through his website and he assured me that he will help me, he told me it will take him two day to pray for me, so on the second day he gave me some lottery numbers to play and i went to play the game so on that faithful day i went to check the game to my greatest surprise i won a very big amount that changed my status, i quit working as a cleaner in the supper market and i became a company owner. I want you out there to also contact him for your lucky game. You can reach him via his Email drgraceondu12@gmail.com or WhatsApp him on +15204677763 you can also visit his website at https://drgraceonduadodo.com

Karen09
Karen09
Jan 1, 2022

Hi everyone, my name is Karen! Top Secret Way To Win Lottery With The Help Of A Magic spell caster called Dr. Okosisi. I requested a lottery spell, and he cast the spell and sent me the winning lottery number. Now I am a proud lottery winner with the help of Dr. Okosisi. I won $1,000,000.00 ( One Million Dollars) Thank you so much sir for dedicating your time to cast the Lottery spell for me. I am extremely grateful for the Lottery spell you did for me. You can contact him now for your own winning numbers. Website: https://spellservicetemple.com/faq/ Email: spellservicetemple@gmail.com WhatsApp him: +1 (901) 235-9551 Karen

Lubana Akter
Lubana Akter
Jan 5, 2022

Such a great explanation! Thank you so much!

Mary Evans
Mary Evans
Jan 6, 2022

I want to say a big thanks to Dr. Okosisi for helping me to win the lottery. I won ($1,000,000.00) My heart was filled with Joy and happiness when I won the lottery. All thanks goes to Dr Okosisi for his good work he did for me that made me win the lottery. It has been hard for me to earn a living over the years of hard labor and suffering. I always pray to God to help me find a way to hit the lottery, because that was all I put my hope on. I always play the lottery daily, buy different lottery tickets, pay for online tips and others, but all was in vain, no good result, until one day I found this great man Dr Okosisi. On the internet, he is a magic voodoo Doctor, who helps to cast the lottery spell, as was described in the article. I contacted him too because I want to hit the lottery. Dr. Okosis helped me to cast the spell, and behold I won ONE MILLION DOLLARS. Truly you are the best and your spell is genuine and costs no harm. I got my bills paid and my debt cleared. I am making this known to every one of you who have been trying all day to win the lottery, believe me this is the only way to win the lottery with a better price, this is the real contact we all have been searching for. Contact him now. WhatsApp number: +1 (901) 235-9551 Email: spellservicetemple@gmail.com Website: https://spellservicetemple.com/faq/

Ann Kelley
Ann Kelley
Jan 6, 2022

MOST POWERFUL AND TRUSTED LOVE SPELL CASTER 2022 Hello ladies and gentlemen Happy New Year. I must make this testimony known to all. I've contacted many spell casters without seeing any result. I just wished I contacted Dr Jumba first, I got the best from you Dr Jumba. My husband was gone for a year and I went everywhere and other spell casters for help but no result until my friend introduced me to Dr. Jumba after the Love Spell was done, I finally got a call from him. His spells worked wonders and my husband is back full of love. It's a miracle! He suddenly came back with flowers saying that i should forgive him, i was truly flabbergasted and shocked when my husband knelt down begging for forgiveness and for me to accept him back.. I'm really short of words and joyful, you are a God sent to me and my entire family.. And now I am a joyful woman once again. Thank you so much Dr. Jumba. To everyone who is looking for a real spell caster should contact Dr Jumba directly on his Email : wiccalovespelltools@gmail.com or wiccalovespelltools@yahoo.com see more reviews about him on his website: https://drjumbaspellhome.wordpress.com WhatsApp: +1 (908) 517-4108

Claire Maple
Claire Maple
Jan 6, 2022

This current pandemic has really been the best time in my life. I have suffered for so many years as a cleaner at a flower shop with a very low pay. I love playing lottery games because I wanted to make it in life just to make sure my children do not suffer the way I did but I never won big and that was so discouraging till I saw online about spells to win lottery games and I was referred to LORD ZAKUZA via WhatsApp +1 (740) 573-9483 who prepared a lottery spell for me and gave me some numbers to play the lottery game that made me a winner of 2 MILLION DOLLARS. Everything just changed within a second and I was so happy for I am finally free from poverty. I don't know how long to have been playing the lottery without winning big but LORD ZAKUZA is an ANGEL that has come to help us all and if you need your ex back, he can help you too for he specializes in different types of spell casting. You can reach him on Website: lordzakuzaspells.com or Email: lordzakuza7@gmail . com

Magarita Miguel
Magarita Miguel
Jan 8, 2022

Cryptocurrency investment has started my new year greatly I invested $450 about 7 days ago i just received $4500 profit in my binance wallet I am happy I am putting more,this platform is the only genuine platform i have come across,they have been so amazing. If you want to start making profit on crypto and binary investment today Jose gonzales is all you need contact on email: josegonzales87958@gmail.com or contact on Whats-app: +1(201)293-7434

Jerry Knott
Jerry Knott
Jan 9, 2022

Hello everyone out there I am Jerry Knott, I won $20 million from LIQOUR LOTTRY after taking advice from a friend who talked about this great spell caster called Dr. Graceondu the person placed a testimonies on a blog saying how Dr. Graceondu helped him win the lottery by sending him the winning number i was curious and i thought it was all joke not until i contacted this spell caster to know for myself how this work cause i have spend a lot buying tickets and i never win. I contacted him and he told me the necessary thing that needs to be done and i did it and he told me to wait for 2days and truly he gave me the winning numbers to play the lottery which i did, Can you believe my name was the first among winners. He told me (my son all i need you to do for me is make sure that you share this testimonies to others so that they can also win the lottery cause i do not have much time to spell on the internet) so that is why i am sharing this testimony with you that if you want to win the lottery this is the way online tips can not help you Dr Graceondu is the only answer to that your problem of winning the lottery. Contact Dr Graceondu today and win the lottery like me You can reach him through his email drgraceondu12@gmail.com you can also WhatsApp him on +15204677763 or visit his website @ https://drgraceonduadodo.com

Mama Khulusum
Mama Khulusum
Jan 11, 2022

+27732318372 Same Day Authentic Lost Love Spell Caster in SOUTH AFRICA @ BRING BACK LOST LOVER NOW IN DURBAN, EAST LONDON, SOWETO BENONI, JOHANNESBURG, LIMPOPO, WESTERN CAPE, EASTERN CAPE NORTH WEST +27732318372 spells that work white magic spells real spells spells online psychic love spells fast love spells marriage spells full Black magic >>Witchcraft-Spells| ☎+27732318372 | Bring lost love spells || Voodoo spells Dr mama khulusum is a Voodoo -witchcraft spell caster who has witchcraft spells to help you with any situation or problems. My witchcraft spells can help you if you are feeling ARE YOU FEELING TOTALLY HELPLESS MARRIAGES/ DIVORCE/ LOST LOVE AND FINANCIALLY DOWN ??? I AM HERE TO HELP YOU, Dr mama khulusum CALL OR WHATSAPP +27732318372 Am a traditional healer in all sorts of spells, lost love spells caster, money spells, lotto spells, magic rings. My names are MAMA KHULUSUM from USA and I originate from East Africa a well known spiritual land. Am an international traditional healer and a spells caster and most of my clients have nicknamed me Papa because of the good work I have done for them. I started healing people and casting spells at my early age with my grandmother ZONDWA. He taught me everything during the years I spent with her in all sorts of spells. He chose me from my 7 sisters and 5 brothers. She trained everything concerning spells. After her death my powers increased and all her spirits, ancestors and powers introduced them to me since I was the chosen one. I am able to access and give advice in many ways: Channeling dreams, casting spells, numerology, fortune analysis, tarot reading and many more. My powers promotes palm reading, holistic healing, casting spells, and also communication between individuals and their ancestors any time and help you fore seeing evil and bad spirits so that you can overcome them. How does it work? After you place your order for your love spell, you have 10 days to judge the quality of my love spell. If you are not satisfied within 10 days because I don't answer your calls/emails (which won't happen) you can simply request to get your money back. All of my love spells are guaranteed. If you're not sure which love spell you want, or the desired strength of your love spell, give me a call and we can discuss which love spell will work best for you. Real Love spells are my specialty. I've been performing real love spells, voodoo black magic spells and tons of various real spells, such as: Real Love spells Real Money Spells Real Success Spells Love spells that actually work Break up Love Spell Reunite Love Spell third party interference love spells. I've been a spell caster for many years, and have the knowledge to cast your real love spell without any mistakes. There are many people out there who claim to be able to cast a real love spell, however to do so requires extensive training and practice. Let a professional caster perform your real love spell. Thanks for stopping CONTACT / whatsapp+27732318372 +27732318372 the best spellcaster in Africa is dr mama khulusum the great wizard from Africa, UAE, DUABI, CANADA, ENGLAND,united kingdom,SINGAPORE, NEWZEALAND, GERMANY, ITALY, MALASIYA,Abu dhabi London IN New York kuwait South Africa,South Korea,Thailand Qatar,England,Queens California Hong Kong Japan Brazil Switzerland colombia Saudi Arabia mexico city Howland Island CANADA Alberta. Vancouver Brampton British Columbia. Manitoba. New Brunswick. New found land and Labrador. Nova Scotia. Ontario.Victoria Prince Edward Island Europe United States KUWAIT ITALY, MALASIYA Vashikaran Specialist IN United Kingdom Aberdeen , Birmingham , Brighton , Bristol , Cambridge , Devon ,East Midlands , Eastanglia , Edinburgh , Glasgow , Hampshire , Leeds , Liverpool , London , Manchester , Newcastle , Oxford , Sheffield , Wales ﮏﮒ CALL OR WHATSAPP MAMA KHULUSUM ON +27732318372 EMAIL: mamakhulusum@gmail.com info@strongspellcaster.us.com WEB: https://www.strongspellcaster.us.com

Larry Baier
Larry Baier
Jan 12, 2022

Hello viewers I am Larry Baier, i can never stop thanking Dr Graceondu for transforming my life, i have been playing lottery games for a very long time and i have never one day win any game, i met a friend whom i complained to about my inability to win and he introduced me to Dr Graceondu whom helped him by praying for him and giving him a game that he played and he won $150,000 so i contacted him through his email and he assured me that i will win big. he asked me to give him two day so he can make some prayers on my behalf so that the winning numbers will be revealed to him, so i waited for two days the second day he sent me the number to play, so i play the game i never had it in my mind that i was going to win such amount of money, so on that faithful day i went to check the game on April 16, 2021 and behold i got the biggest shock of my life i won $2,000,000 and from that moment my life changed. all thanks to Dr Graceondu, i want to also advice everyone out there to also contact him if you have been playing lottery and you have never won. You can reach him via his email, drgraceondu12@gmail.com or WhatsApp him +15204677763, you can also visit his Website. https://drgraceonduadodo.com

Ruth Breen
Ruth Breen
Jan 12, 2022

It still feels incredible that my life has changed and I thank Lord Zakuza everyday for his help. It is the best feeling in the world knowing that I am financially secure. Lord Zakuza prayed and prepared a lottery spell for me and he gave me some numbers to play on the Euromillions game. I played the game and I was sent an email after 3 days regarding that I was the winner of ONE MILLION POUNDS. So I rang them up and they confirmed that I was the very lucky one to have won on the EuroMillions Raffle draw. I was shocked, surprised and couldn't believe what my eyes saw and what my ears were earing for I was for happy. I stopped working as a midwife and ever since then, I have been winning in every game I played whenever I decide to. My life and that of my family has changed ever since that day and I want to say a very big thank you to Lord Zakuza. WhatsApp him for help via +1 (740) 573-9483 or email: ( lordzakuza7@ gmail. com ) or go to his website on: lordzakuzaspells.com

Rosaline Comma
Rosaline Comma
Jan 13, 2022

Hello viewers, i am Rosaline Comma, from USA, i want to use this opportunity to thank Priest Bacasim for the great work he has done in my life. I had a very big misunderstanding with my husband and he said he do no longer want me again that he needs a divorce, i was heart broken, i was diverstated and confused, i didn't know what to do until one faithful day i saw a testimony of someone testifying about what Priest Bacasim has done for her i never believed in magic or spell but i had no choice, i decided to give it a try, so i contacted him via his email (pristbacasim2000@gmail.com) he told me what i need to do which i did and he promised me that within 48 hours my husband was going to contact me, i didn't believed it 100%, so the second day morning as i was preparing to go to work i had my phone ring and i went to pick it up i was surprise it was my husband calling, i answered and he started apologizing to me, i forgave him because i love him so much, and now he has turned a new live he stopped all the bad things he used to do, now he loves me more than he used to before. You can also contact him if you are also passing through and kind of marital problem or relationship issues he is a very powerful spell caster and i believe he will help you too pristbacasim2000@gmail.com or you can also WhatsApp him on +15202103368 or visit his website on https://priestbacasima2001.wixsite.com/priest

Yanda Carter
Yanda Carter
19 hours ago

I’m so excited my broken Marriage has been restored. “We recently made up, even though it was difficult. It’s been more than a month now, and everything feels like it’s returned to normal. He has began to treat me better, and it’s been a healing process for both of us. The nightmare that had lasted for almost 2 years before we broke up is finally over. It’s like we fell in love all over again! We’ve both put the past behind us, and are trying to move forward – and for the first time in a long time, the future looks a lot brighter. I can’t express in words how grateful I am Dr Jumba! It’s like we’ve finally rediscovered those things about each other that made us fall in love in the first place. All of the worrying and stress has simply vanished. Thank you Dr Jumba for saving my broken Marriage and brought my husband back to me!”. Me and my husband are living together happily again.. All thanks to Dr Jumba. If you have any problem contact Dr Jumba now and i guarantee you that he will help you contact him through : wiccalovespelltools@gmail.com or +19085174108 website : https://drjumbaspellhome.wordpress.com

Albert Monroe
Albert Monroe
14 hours ago

Hi everyone i want to share my amazing testimony on how Dr Graceondu blessed my life, i used to work as a cleaner in supper market, i have been playing lottery game for long now and i don't usually win, i came across a testimony of someone testifying about how Dr Graceondu prayed for her and gave her a lottery game to play and she won big amount of money, so i also decided to try my luck, i contact him through his website and he assured me that he will help me, he told me it will take him two day to pray for me, so on the second day he gave me some lottery numbers to play and i went to play the game so on that faithful day i went to check the game to my greatest surprise i won a very big amount $234.2 million that changed my life and my status, i quit working as a cleaner in the supper market and i became a company owner. I want you out there to also contact him for your lucky game. You can reach him via his Email drgraceondu12@gmail.com or WhatsApp him on +15204677763 you can also visit his website at https://drgraceonduadodo.com

Leave Comment