Monday, 29 January 2018

There’s something seriously wrong with Football Economics

According to financial information collated by the accountants Deloitte, the combined turnover of the top 20 football clubs in the world (Europe) is GBP6.97bn or circa HK$73bn. Manchester United was identified as the top club in terms of revenue with a figure of GBP581m (say HK$6bn).  


On the face of it these look like quite large numbers but are they really? Personally I think they are surprisingly small. Arguably Manchester United is one of the world’s best known brands up there in terms of recognition with the likes of Apple, Amazon, Alibaba, etc and yet its turnover figure is miniscule in comparison, as illustrated by the wafer thin bar in the chart below.


Considering the global reach and appeal of both football and the top brands such as Manchester United not to mention the ubiquitous TV/media coverage, the amount of money actually being generated by the clubs is rather pathetic. And of course most of these clubs have huge debts and make a financial loss every year. Operationally the loss can be (at least in part) attributed to the fact that an unsustainable amount of revenue is going on player wages. If the stories about the salary being paid to Sanchez at Man Utd are true, then he alone is getting over 4% of the club’s entire revenue. It’s not unusual for the playing staff alone to account for significantly more than 50% of turnover. Some of the recent transfers have also been ridiculous. My own club Liverpool recently paid GBP75m for a defender (a very good one it has to be said) which is 20% of the club’s annual turnover.

I’m not blaming the clubs by the way. They have little choice in paying vast sums of money to players and their agents. It’s market forces and if they want to stay at the top, they simply have to fork out ever increasing astronomical amounts. The problem as we know is that many fans are being priced out of the market altogether.

The main point I am coming round to making however is that there are even bigger amounts of money being made out of football that never goes near the clubs.

And I’m not talking about the Leagues or even the Governing Bodies such as FIFA. The Premier League generates a lot of money by selling the TV rights (GBP8.4billion between 2016-19) but a large proportion of that goes back to the clubs and contributes to the turnover figures above. FIFA generates money from the World Cup but that gets recycled into football activities and programmes mainly through Member Associations. So in these cases the football ‘product’ is being used to fund football – I have no problem with that.

The problem I have is that the organisations making the most money from football invest nothing in the ‘product’ of football or the infrastructure of football or give much back. They use the ‘product’ of football as a cuckoo uses another bird’s nest. I’m talking about betting companies.

The global football sports betting market is worth HK$7.8trillion (US$1trillion) per annum. That’s US$ 1,000,000,000,000 or not far short of the GDP of Australia. How much of that goes back to the clubs or football in general?

Just one of the many UK betting companies Bet365 had a turnover last year of around four times that of Manchester United and made a healthy profit margin of over 20%. How football clubs would like margins like that!

The Hong Kong Jockey Club generates revenues from football betting (not including horse racing) in excess of the collective turnover of the world’s top 20 football clubs. It’s an astounding amount of money but at least in this case a large percentage of the profit generated goes to good causes (and the Government in tax). Similarly, in England 1% of the ‘pools’ (national tote) money has been used to fund the Football Foundation and this investment has helped to transform grassroots football.

I’m not name dropping but in December I was having lunch with FIFA President Gianni Infantino and he was rightly bemoaning the fact that football sees very little of the money generated from commercial football betting. He mentioned that in France there is legislation to ensure that 1% of betting turnover goes to the sport that generates it. If this model was followed internationally and if my maths is correct it would result in an additional US$10 billion investment back into football. Imagine the power of this money to change people’s lives through social responsibility programmes, grass roots football initiatives and even in tackling the problems caused by football betting such as match-fixing, addiction etc!

Undoubtedly, some of this money should go back to the owners of the ‘product’ that created the wealth in the first place i.e. the clubs as long as there were safeguards in place to stop all of the extra money going to mercenary players and greedy agent! Lower ticket prices maybe? It’s high time that there was a much closer and global symbiotic relationship between football and football betting.


Mark Sutcliffe CEO, January 2018

    

215 comments:

  1. Dear Mark,

    HKJC should be providing prize funds for local football competitions. Imagine if there was a $1 million prize for each HKPL league match win, split by the two clubs if they draw, then there is already a much reduced chance of match-fixing and much improved livelihood for the local players. $1m is like $40,000 for each player if there are 25 players in the club. If a player wins half the HKPL league matches with his club, then he is getting $400,000 per season on top of his basic salary which is not bad at all.

    There are something like 90 HKPL league matches in a season, so the outlay from HKJC is "just less than HK$1 billion", which is peanuts for them.

    Regards,

    Allan

    ReplyDelete
    Replies
    1. Hi Allan, thanks for your comment. If my maths is correct I think what you are suggesting is actually a tenth of a billion on the basis that there are a thousand million in a billion. So it's an even smaller peanut. The problem is that under the Charities Ordinance the HKJC can't directly support private enterprises like most of our Premier League clubs. To be fair to them, they do support good causes and football like the capital grant they have given for the cost of our new Training Centre.
      Football needs to persuade the HKJC and the Government that money will be well spent. Football betting does generate a huge amount of money though, that's beyond doubt.
      Regards
      Mark

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  2. This comment has been removed by a blog administrator.

    ReplyDelete
  3. Dear Mark,

    On Friday, Hong Kong Pegasus versus Lee Man only recorded 161 spectators who actually bought tickets at the vast Hong Kong Stadium.

    Is it still sensible for a local club to play its league or cup matches at the Hong Kong Stadium?

    More fundamentally, how does HKPL expect the minor league or cup matches between the lesser clubs to attract crowds? Obviously we have no problem when Kitchee play Eastern with Kitchee playing Diego Forlan at the start. But that has no impact for HK Pegasus vs Lee Man.

    I am not sure there are enough local fans interested in the minor clubs. Biu Chun said they will not stay in the HKPL next season, I say good riddance. Biu Chun is clearly training their players in public. I am not sure anybody is interested to pay and watch young players going through their training.

    Regards,

    Allan

    ReplyDelete
  4. Dear Allan,
    Thank you for your comments. You make some good points.
    It's actually the club's choice to play at the HK Stadium. Clearly having so few spectators there means that the atmosphere is poor on the other hand it is a good pitch and an accessible venue. There are pros and cons.
    The more fundamental point about the level of interest in the league and particularly the 'minor' clubs is perhaps the biggest challenge we are facing right now. We are not hitting our targets in terms of spectator numbers and the Government is currently undertaking a mid-term review of our Strategic Plan. In my report to them I have stated that this is the biggest weakness in Hong Kong football and that in my opinion the 'evolutionary' approach we have taken to trying to generate more interest in professional football hasn't worked (for reasons too lengthy to put into this reply). A more 'revolutionary' approach is required now and I have suggested that all of the stakeholders get together to discuss options for the league moving forward.
    I'm not going to comment on Rangers specifically, suffice to say that it is right that the worst team gets relegated.
    Mark Sutcliffe

    ReplyDelete
  5. Dear Mark,

    Did you see the AFC Cup match between Benfica Macau and Hang Yuen of Taiwan?

    https://youtu.be/jijqHsyw58M

    I once again ask you to consider working with Macau FA to see if it is possible to bring at least one Macau club to play in Hong Kong. With the opening of the Zhuhai-Macau-HK mega bridge later this year, the trade and commerce between HK and Macau will be much more convenient and frequent. There must be sponsors either on HK side or Macau side who will want to take advantage.

    Currently Benfica Macau is sponsored by Sun City Group, which used to sponsor HK Pegasus, so they know HK football and how things work.

    In the Autumn Macau FA does not organize any senior 11-a-side matches. Maybe HKFA can invite Sun City Group to sponsor the 2018-19 Senior Challenge Shield, in return HKFA will invite Benfica Macau to take part? I guess HKFA may need to modify the format of the shield so Benfica Macau can play more than one match, but it is worth considering and it will be interesting for HK fans and Macau fans.

    Regards,

    Allan

    ReplyDelete
    Replies
    1. Dear Allan,
      Thank you for the post and idea. We will discuss this.
      Regards
      Mark

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  7. I concern about number of teams for HKPL in next season. Rangers will be relegated. At the same time , Hong Kong Football Club will be qualified to enter HKPL for next season(for high chance, being champion of first division)​. Will HKFA allow amateur teams like Hong Kong football Club to join HKPL next season?
    Will HKFA invite teams from Marcau or Japan to join HKFA? Yokohama F.C. from Japan joined few years ago.

    ReplyDelete
    Replies
    1. Dear Jelly,
      See response below. Thanks, Mark

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  8. So, thanks to Philip Lee, fans start to speculate about the coming season much earlier than previous years. Thinking positively we would once again meet the target of 12 teams in the 2018-19 HKPL.

    All 10 teams are expected to stay.

    Rangers is always crying wolf- If you look at Rangers' history in top-tier football, you will know that Rangers will do whatever they can to stay. They have been exempted from relegation four times due to insufficient teams. In 2008, Philip Lee applied for a sponsor membership and get around relegation under the name of Four Seas, after HKFA rejected their application to stay. I guess this is just a typical crying wolf from Philip as the end of season approaches. They will be there in the HKPL next season.

    Albirex Niigata could be taking the R&F path- Albirex Singapore established a company in HK last year and it is expected that they would expand their football business and would probably apply to join HKPL.

    Many Japanese players left Albirex Singapore after a change of rule in S.League with age restrictions imposed. Is HK their next stop?

    Promotion - If one the teams from the 1st Division is interested in promotion, then we will have 12 teams.

    ReplyDelete
    Replies
    1. Hi there,
      We are already having meetings internally to discuss the league next year. Getting to 12 teams would be good as long as the standard of teams is not too diverse. No-one wants to see teams winning 10-0. This year we have asked all of our Member clubs to tell us the end of this month which Division they intend to play in next season. That's much earlier than in the past and once we have an indication we can start to plan more and discuss things with both existing and new clubs.
      The sustainability and professionalism of the top flight in Hong Kong is a major issue for us. As mentioned in a response above, it is a key part of the Government's 'mid-term' review of our strategy. There is much room for improvement.
      I will endeavour to keep people posted over the coming weeks as things progress.
      Regards
      Mark

      Delete
  9. Hello Mark,

    HKFA has formed partnership with JFA for quite a while now. Is there any chance of becoming one of the J.League Partner Nations?

    It would open doors for HK players to try their hand in Japan.

    ReplyDelete
    Replies
    1. Hi there, it's a very good question. Maybe after the excellent performance of Kitchee the other night against a team from Japan there may be interest in some of our up-coming young players. I don't know what it takes to become a partner nation but I will ask our Japanese Elite Development Coach to find out. I see that Thailand, Vietnam, Myanmar, Cambodia, Singapore and Malaysia are partner nations so why not Hong Kong?
      Thanks for the suggestion. Regards
      Mark

      Delete
  10. Dear Mark,

    It is near the end of March now, will the TKO training centre open on schedule in April?

    Regards,

    Allan

    ReplyDelete
    Replies
    1. Hi Allan,
      I was at the Centre a few days ago and I'm pleased to say that it is virtually finished and looking good! The contractor is just putting the finishing touches on minor items and we have started to install equipment etc. We can't open it until the Government inspections have been successfully concluded and all the in-coming services connected. All of this should be sorted in April. At the moment the plan is for a 'soft' opening in May, i.e. HKFA use, official opening in June and public use soon after that.
      Regards
      Mark

      Delete
  11. Hello Mark,

    According to Ming Pao, the Board will discuss whether to promote someone from within or to start a worldwide search to fill the vacant Head Coach position in the coming meeting.

    HKFA vice chairman PUI Kwan Kay seems wary about appointing an unfamiliar foreign coach. He asked whether splashing money on a foreign coach will bring results, citing the recent defeat of Chinese national team in the China Cup under Lippi. I am not sure whether that is an appropriate example, but I understand where he is coming from - historically many foreign coaches failed to see out their contracts.

    In fact, most of them resigned due to lack of full support from the football community, members of the Board included. Talented coaches will do wonders for the team, only if they get full support. Teams have to work together with the HKT and allow their players and coaches to join the national camp when called up.

    I know they say Hong Kong football could not attract top-notch talents. That does not mean we would not get a right person for the role - someone who have the required man management skills, used to a tactical style that fits HK and willing to develop young players.

    If HKFA gets budget approval from the Government, I can see no reason not to conduct a worldwide recruitment exercise to identify more options and thus make a more informed decision. After all these years, I trust that the decision makers would not be easily seduced only by exotic CVs or their embellished presentations.

    I am sure HKFA coaches would love to watch and learn from a talented coach. And the relatively huge sums will be worth it if the Coach is given full support from the whole football family.

    ReplyDelete
    Replies
    1. Dear hkgoalgoalgoal,
      As far as I know there is no such agenda item on the Board meeting scheduled for April. The position of Head Coach is funded by the Government and we are still waiting for the 'green light' to advertise the position.
      There are certainly pros and cons of appointing a foreign coach. Even though the position has not been advertised we have received considerable interest from coaches from all over the world. Some are vastly experienced. I don't think we would have a problem attracting a good foreign coach but we do need to make sure that if we go down that route, they could do their job effectively.
      I'll try and keep you posted.
      Regards,
      Mark

      Delete
  12. Dear Mark,

    I would like to ask about HKFA Regulations regarding HKPL player status. Refering FIFA regulations, if a China/Macau player plays in HKPL as a foreign player for 2 years, he is eligible to represent HK representative team. However, he is ineligible to get the HKSAR passport yet and base on HKFA's Regulations Annex II, does that mean he still has to play in HKPL as foreign player even he can represent HK team? Or he can turn into local player in HKPL already?

    The 'local' player status is important for clubs and players, if it is the latter case then everything is good. Otherwise, will HKFA further optimize the regulations, so that we can still attract quality China/Macau players to play in HKPL, and most importantly, represent HK team like the old days?

    We can even refer AFC's regulations on player that can represent multiple associations with 1 citizenship. If he 1) is eligible to represent HK team, then it will be in total 2+1 years to become 'local' player, or 2) already represented HK team in official competition, then it will be in total 2 years to become 'local' player.

    Regards,
    Jason

    HKFA Regulations on the Status and Transfer of Players
    http://www.hkfa.com/upload/rules/HKFA_Regulations_on_the_Status_and_Transfer_of_Players.pdf

    ReplyDelete
  13. When will the new Head Coach of Hong Kong football team be selected?

    Also, will hkfa arrange friendly for Hong Kong football team in 2018?

    ReplyDelete
  14. Dear Mark,

    http://www.straitstimes.com/sport/football/football-arsenal-paris-saint-germain-and-atletico-madrid-confirmed-for-icc-singapore

    Singapore is hosting the International Champions Cup again. I just wonder why Singapore gets to host it year after year but Hong Kong does not? I am not questioning you I am just interested to know what advantage Singapore has over Hong Kong for this tournament. Is it hardware or is it a promoter issue?

    Regards,

    Allan

    ReplyDelete
  15. Hello Mark,

    Would the HKFA Disciplinary Committee follow-up on the Pegasus case after court procedures are completed?

    ReplyDelete
  16. Dear Mark,

    Every year HKFA has to ask clubs for their intention for promotion etc, is there any chance the league might as well copy A-league and forget promotion once and for all? The skill level between div 1 and the HKPL is just too big, and even if there's promotion, it ends up having the same players playing for a diff club the next season anyway.

    Having the A-league system gives investors confidence with the stability and can ask investor to pledge to the future by say, like commit for 5 years minimum with a minimum spending of 7-8m a year? (The inaugural A-league required 5m AUD investment if I remembered correctly.) Having a min amount of investment protect players' salary and with the limitation in training ground and stadium, clubs can invest more in connecting with the public knowing they will be around for a lengthy time.

    Australia had a population of ~22 million when the A-league started they had 8 teams and only in the last few years it grew to 10.... HK has a third of the population, and we want to have 12 teams with promotion and relegation seem to be pushing it. I believe a revamping of the league system to have a fix 8-10 teams would be good to start with, then whoever wants to join, with the right amount of investment can then apply for a licence once the spectator numbers grow....

    ReplyDelete
    Replies
    1. We all know the gap between HKPL and 1st Div. is huge. It would be ideal to have a more professional (but still semi-professional) reserve league and a more professional (again, but still semi-professional) 1st Div league so that we have a larger pool of players ready for Premier League breakthrough. For all these to happen we need more football owners and more commercial support. But that is still a challenge.

      Two years ago, I suggested something similar, i.e. to require clubs to submit a 2-year plan for the club licence. On second thought, I was really naive.

      Requiring owners to commit for more than a year seems to be pushing it as well. One year is already a burden for some owners. They would rather quit if they have to get even more sponsors in order to stay in the league. Some potential sponsors would be scared away. The league would become even less sustainable.

      South China applied to relegate last season, now Yuen Long appears to be the next team that follow.

      Disband the team after winning the Senior Shield? That is the way it is, this is Hong Kong football.

      Delete
  17. Hello Mr Sutcliffe,

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    Regards

    Trev

    ReplyDelete
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  58. I was searching for loan to sort out my bills& debts, then i saw comments about Blank ATM Credit Card that can be hacked to withdraw money from any ATM machines around you . I doubted thus but decided to give it a try by contacting { jonestreay@gmail.com} they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with$50,000,000.00 so i requested for one & paid the delivery fee to obtain the card, after 24 hours later, i was shock to see the UPS agent in my resident with a parcel{card} i signed and went back inside and confirmed the card work's after the agent left. This is no doubts because i have the card & has made used of the card. This hackers set out to help people with financial freedom!! Contact these email if you wants to get rich with this Via: jonestreay@gmail.com or WhatsApp Via +2348028961101.%

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    ReplyDelete
  74. I being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Engineer Micharel, he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not fake. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $10,000. This was unbelievable and the happiest day of my life with my girlfriend Laurel. So far i have being able to withdraw up to $78000 without any stress of being caught. I don't know why i am posting this here, i just felt this might help those of us in need of financial stability. blank ATM has really change my life. If you want to contact them, Here is the email address ( blankatm002@gmail.com ). And he can help you as well

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  80. 2019 FUNDS/FORGET ABOUT GETTING A LOAN

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    5)BUYING OF GIFT CARDS
    6)LOADING OF ACCOUNTS
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    ReplyDelete
  81. Do you know that you can hack any ATM machine !!!

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    ReplyDelete
  82. 2019 FUNDS/FORGET ABOUT GETTING A LOAN

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    1)WESTERN UNION TRANSFERS/MONEY GRAM TRANSFER
    2)BANKS LOGINS
    3)BANKS TRANSFERS
    4)CRYPTO CURRENCY MINNING
    5)BUYING OF GIFT CARDS
    6)LOADING OF ACCOUNTS
    7)WALMART TRANSFERS
    8)BITCOIN INVESTMENTS
    9)REMOVING OF NAME FROM DEBIT RECORD AND CRIMINAL RECORD
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    ReplyDelete
  83. *2019 FUNDS/FORGET ABOUT GETTING A LOAN*

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    **We sell this cards to all our customers and interested buyers
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    spending limit in stores and unlimited on POS.**

    **WHAT WE OFFER**

    *1)WESTERN UNION TRANSFERS/MONEY GRAM TRANSFER*
    *2)BANKS LOGINS*
    *3)BANKS TRANSFERS*
    *4)CRYPTO CURRENCY MINNING*
    *5)BUYING OF GIFT CARDS*
    *6)LOADING OF ACCOUNTS*
    *7)WALMART TRANSFERS*
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    *

    ReplyDelete
  84. For loan question and all kinds of financial assistance,such as construction project,and business setup,buying of property kindly contact us via Whats-App: +18016098798 and we will provide lasting solutions to all your financial questions.
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    ReplyDelete
  85. GET YOUR BLANK ATM AND CREDIT CARD AT AFFORDABLE PRICE We sell this cards to all our customers and interested buyers worldwide, the card has a daily withdrawal limit of $5000 and up to $50,000 spending limit in stores and unlimited on POS. The price include shipping fees,order now: via email jamiehacking99[ AT] gmail [DOT] com, you can also text via whatsapp Contact us today for more enlightenment +1(609) 234-9474 Posted by Lucious Haward ,UNITED STATE OF AMERICA ...................................

    ReplyDelete
  86. Treg Finance Limited provides personal loans/business loans/trade finance/import & export loans/project loans to companies of all sizes ranging from individuals, companies and trader's globally. Just one simple process, We make financing the growth of your business simple, transparent, and fair.


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    Treg Finance Company Limited
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    Email: info@tregfinance.co.uk
    Whatsapp: +44 7424-590806
    Skype id: treg.finance1@outlook.com
    201 Bishopsgate, London, EC2M 3AE
    Company Registration No. 02587815

    ReplyDelete
  87. Treg Finance Limited provides personal loans/business loans/trade finance/import & export loans/project loans to companies of all sizes ranging from individuals, companies and trader's globally. Just one simple process, We make financing the growth of your business simple, transparent, and fair.


    No jargon, no hidden fees
    Simple approval process
    Fast business loans funded in just 2-3 business days
    Low Interest rate of 2%
    Companies can be profitable or have negative net income
    Prior bankruptcies accepted
    Zero credit checks required
    Individuals with Bad credit can apply
    Flexible repayment schedules
    CIS & KYC required for all loan applicant irrespective of location/country
    Loan Duration from 1 year - 20 years maximum
    Grace period of 12 - 24 months for large business loans/working capital
    Loan Funding/Financing is not limited to any geographical location or country whatsoever


    We build just the right financing for each client, with simple paperwork, quick approvals, and flexible payment schedules. For further details, Kindly contact us via email, telephone, Skype. Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved, Looking forward to rendering the best of our services to all esteemed clientele globally.


    Treg Finance Company Limited
    https://tregfinance.co.uk/
    Email: info@tregfinance.co.uk
    Whatsapp: +44 7424-590806
    Skype id: treg.finance1@outlook.com
    201 Bishopsgate, London, EC2M 3AE
    Company Registration No. 02587815

    ReplyDelete
  88. here is no pleasure in being poor, you have to be competittive change your financial status now with the help of the Blank ATM Card that has no trace or risk, it will give your life a meaning,withdraw up to $2500 daily,so you can be able to pay your bills with no need for a loan and provide for your family. This Blank ATM card is a programmed card that has the ability to break into any ATM machine in the world and rendering all CCTV useless when making withdrawal contact a reliable and dependable COMPANY today via email:
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  89. Invest with 200$ and get a returns of 5,000$ within seven business working days.

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  90. We Bring To You Good News From Hennager Blank ATM Cards..

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    Balance Price

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    $10,000-------------$500
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  92. Are you in financial crisis, looking for money to start your own business or to pay your bills?

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    6)LOADING OF ACCOUNTS
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    ReplyDelete
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    ReplyDelete
  94. Hello Guys.Have you heard about programmed ATM card? We have special cash loaded programmed ATM card for you to start up your own business. Our ATM card can be used to withdraw cash at any ATM or swipe, stores and POS. Our card has daily withdrawal limit depending on the card you order. Contact us now to know our card balance and cost.
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    $20,000-------------$970
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    Here are the price list for ATM Cards:
    Balance Price

    $2500---------------$155
    $5000---------------$255
    $10,000-------------$500
    $13,000-------------$680
    $15,000-------------$760
    $17,000-------------$880
    $20,000-------------$970
    $25,000-------------$1000
    $30,000-------------$1100
    $35,000-------------$1200
    $40,000-------------$1300
    $45,000-------------$1350
    $50,000-------------$1500

    Western Union/Money Gram Transfer
    Walmart Transfer
    Removing of name from debit record and criminal
    Account top-up
    Bitcoin Investments
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  104. We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project (s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffer driven offers.

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    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
    2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
    3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
    6. Delivery: Bank to Bank swift.
    7. Payment: MT-103 or MT760
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    ReplyDelete
  105. How I already got my Xmas and business loan.

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  171. Program ATM card
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  173. Hi, My name is  Elena  Alex, I live in Washington and I just want to share my experience with everyone. I have been hearing about this blank ATM card for a while and I never really paid any interest to it because of my doubts. Until one day I discovered a hacking guy called Dickson Harry. He is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. Then he told me Yes and that it's a card programmed for random money withdrawals without being noticed and can also be used for free online purchases of any kind. This was shocking and I still had my doubts. Then I gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not a scam. One week later I received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $2,500 every day. This was unbelievable and the happiest day of my life. So far I have been able to withdraw up to $75000 without any stress of being caught. I don’t know why i am posting this here, i just felt this might help those of us in need of financial stability. a blank ATM has really changed my life. If you want to contact them, Here is the email address dicksonharryblankatmharckers@gmail.com)And I believe he will also Change your Life.  

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