Tuesday, 17 March 2020

Coronapocalypse - some thoughts

Over the past few weeks, markets have witnessed a legitimate 'black swan' event with the emergence of the covid-19 pandemic, which has resulted in a catastrophic collapse in global equity markets of a speed and severity that has rivaled - if not exceeded - that seen during the GFC panic.

While initial covid-19 news emerged in late January about a growing Chinese outbreak, which caused an initial 5-10% market sell-off from previously buoyant early-2020 highs, the selling eased and markets recovered during the first half of February, as the spread sharply slowed in China in response to aggressive containment measures. There have been multiple outbreaks in the past, including MERS and SARS, which both proved to ultimately have a far more benign impact than initially feared, and covid-19 appeared to be following a similar trajectory. However, from late February, news of the virus' rapid international spread triggered further sharp declines in markets, and these accelerated after news emerged about the effects in Italy and Iran being much worse than expected, including tales of healthcare facilities being overwhelmed, which were exacerbating death rates.

This was then followed by a slew of accelerating and increasingly aggressive containment measures being announced across the Western world (and some of the non-Western world), which began with the cancellation of large events, before moving on to work-from-home measures; travel restrictions; forced 14-day self-quarantines on arriving international visitors; full regional lockdowns; the cancellation of major sporting events such as the NBA; to finally the complete closures of public areas, including retail venues and restaurants, with accelerating implications for short term economic activity. Famous people have started to get infected, accentuating the sense of powerlessness. Every single day over the past 1-2 weeks has seen the news go from bad to worse, and falling asset prices and escalating economic effects have, in turn, given rise to fears that this may cause cascading liquidity/bad debt/unemployment effects that could morph into an all out financial crisis.

If that wasn't bad enough, markets have also been hit with a "one two punch" (hat tip Buffett) of a breakdown in OPEC+ supply discipline, with the cartel announcing that in an environment of rapidly falling oil demand, that they would not only not cut production further, but actually significantly increase supply, by perhaps 2-3m bbl/d. This is a separate and distinct event/shock from the covid-19 impact, as it was far from inevitable falling oil demand would lead OPEC+ to not only not cut further, but actually significantly increase supply. Oil prices have collapsed 50% to US$30/bbl, which will have significant consequences for the oil production sector (in particular the US shale sector, and its associated sizable high-yield bond sector), as well as the currencies, budgets, external accounts, and economies of the many oil producing countries in the world. Many will be forced to draw down on sovereign wealth funds to support government spending/social programs, exacerbating selling pressure in financial markets as they liquidate assets. In other words, the world has seen not one, but two shocks in sharp succession, which is an extremely rare occurrence.

So what is an investor to do in this sort of environment? Stay calm and behave rationally. It is an easy environment for investors to become emotional/irrational, as not only is uncertainty rife and markets in free fall - something that makes investors emotional at the best of times - but in this case the impact is amplified by the real and visceral fear investors feel for their own health & safety. But what is called for is a calm and dispassionate assessment of the facts. I do my best to provide one below.

There is no question that the impact on economic activity in the short term is going to be very severe, although some of the claims I have seen about the global economy essentially coming to a complete standstill are a vast exaggeration. At the front-end of consumer-facing retail and leisure, that will be the case, but large parts of the back-end global economy will remain relatively unaffected. Agricultural production, for instance, along with food processing, transportation, and retail, will not be affected. Most mining activity, processing and distribution, and construction activity will continue, particularly as China gets back on its feet and stimulates to support economic activity, and fiscal stimulus to counter the effects of the economic fallout through infrastructure spending rises in the West. The healthcare industry will most certainly continue to operate (19% of GDP in the US). Services delivered electronically, along with back-end fulfillment, will continue, as will service industries where employees can telecommute/work remotely (the world has unprecedented ability to do this in the modern era). Government salaries and services will largely continue. In addition, ignored at present is that economic activity is already quickly ramping back up in Asia - particularly in China - and large parts of the developing world with youthful demographics are likely to be relatively less affected, given that the disease disproportionately affects the old.

Nevertheless, there is no doubt that consumer-facing front-end industries such as retail, restaurants and leisure - particularly in the West - as well as the tourism and travel supply chain, are going to be very badly impacted in the short term. The airline industry, in particular, is facing it's worst downturn in history. With more and more countries implementing 14-day mandatory self-quarantine measures for international arrivals, international passenger traffic could fall close to 100% for at least a month or two - a downturn of unprecedented severity. Domestic travel will be less catastrophically affected, but will also likely still significantly decline as people defer non-essential travel.

However, it is important to remember that the ultimate impact of covid-19 will be a function not just of the severity of the effects, but also their duration. The impact is going to be severe, but there is a decent chance the duration of that severity does not exceed more than a few months. An overlooked reality in that regard is that the worse the short term severity, on account of more and more extreme containment measures (such as NYC's decision to shut all bars and restaurants), the shorter the duration will be, because extreme social distancing measures will inevitably result in a dramatic decline in the virus' average R0 (the average number of new infections each infected individual occasions) compared to the status quo ex ante, which was thought to be about 2.3.

Right now, with the world swept up in panic, there is an intuitive feeling amongst investors that not only is the impact on the global economy cascading from bad to worse, but also that a continuing uncontrolled spread of the virus appears inevitable from here. But that is assuming the worst of both worlds, and it does not seem justified. The spread will rapidly slow from here on account of these measures, and we have already seen in places like China that when extreme social distancing measures are enforced, the case load can rapidly decline, with a lag of perhaps 1-2 weeks.

Aside from government measures, human behavioural responses are also not to be underestimated. As people adapt their behaviour in response to safety concerns, people wearing masks; sanitizing their hands; and being highly sensitive to the presence of sick/coughing individuals nearby, and making efforts to keep a safe distance from strangers, could well (at a guess) halve the R0 by itself - particularly due to the widespread media coverage covid-19 has garnered. In my view, the most likely outcome from here by far is that lockdown efforts result in the volume of new cases starting to rapidly slow 1-2 weeks from now (the approximate lag duration between real case volume and diagnosed case volume).

Furthermore, provided healthcare facilities are not overwhelmed, the death rate appears relatively low. To date, South Korea has engaged in the most extensive testing (under-diagnosis is still a major issue in most markets), and the death rate in South Korea has been 0.6%, and even there, denominator effects are likely still overstating the death rate. Many people say they do not trust Chinese statistics, but South Korean statistics are highly credible. Death rates have been much worse in places like Italy primarily due to a late response and lack of adequate healthcare infrastructure, and it is the (appropriate) fear of the latter that has driven extreme measures in recent weeks in the West to contain the outbreak. That ought to be successful, for the reasons noted, such that death rates should be able to be contained at levels not too dissimilar from South Korean levels, which is about six times as bad as the seasonal flu (0.1%). The flu is also more contagious than covid-19.

In time, if needed, more sensible and less destructive containment measures might be devised and implemented. For instance, covid-19 spreads primarily through droplets emitted by people when they cough and sneeze, that are either inhaled while airborne, or which come into contact with surfaces which are later touched, and transmitted when the toucher rubs their nose or mouth. n95 masks are effective at filtering such airborne droplets. While for the moment, there is vastly inadequate production capacity, a simple and effective containment measure would be to simply require everyone to wear a mask while in public, instead of cancelling all public events/spaces. In most places in developed Asia, the simple combination of masks; temperature screening for all entering public spaces; and aggressive containment of identified cases and people they have associated with, have been largely effective in dramatically slowing the pace of transmission. Given the success we have already seen with containment in Asia, it appears likely to me that investors are being far too pessimistic about the ability of containment efforts to also work in the West at present.

The other important difference to GFC-type downturns from the perspective of the likely duration of the impact vs. its severity, is that a short term exogenous shock has different medium to long term effects than a downturn driven by the collapse of a bubble. When a bubble bursts - such as the US housing bubble during the GFC - demand falls from artificially-high levels to a more sustainable level, and a large measure of that decline is permanent (albeit there may be some short term overshooting effects). After the US housing bubble burst, housing construction and the mortgage financing supply chain, as well as all the consumer spending the prior rapid increase in leverage was supporting, had to revert back to more sustainable levels. The bubble excesses were not coming back (growth eventually resumed, but from a lower sustainable baseline).

A shock-induced hit to demand is different. As soon as the virus is contained and life normalises, demand will rapidly bounce back to prior levels - indeed it may even overshoot to the upside as pent up demand is released (e.g. people that deferred holiday plans take their postponed vacations; postponed conferences/events take place; and people that postponed buying a car or other consumer goods go out and buy them). The recovery will very likely be V-shaped in nature, which is very different to the post-GFC environment. It is being overlooked at present, but a severe and long-duration downturn is much worse than a severe but short-duration downturn.

Second-order cascading liquidity effects are also already being discussed and discounted, but people are exaggerating the risks here in my view. Prior to the GFC, many corporates and financial institutions were relying on short term paper, and money markets seized up. Due to the GFC experience, very few financial institutions and large corporates now rely on short term money markets to fund their operations, and most operate with large liquidity buffers and long dated debt maturities. This means there is much more time before pressures/debt market disruptions will impact funding. Short term debt markets might close, but that won't impact most companies for quite a while due to the presence of the said liquidity buffers, which included not just cash, but committed bank revolvers, which many companies are now in the process of drawing down.

Funding pressures in the banking system also seem unlikely, as not only are banks now much more liquid than pre-GFC, due to a combination of much higher regulatory liquidity requirements and management prudence (reflecting cultural change in the post-GFC era), but central banks are also implementing substantial liquidity support. After an initial spike, interbank rates have recently sharply fallen in the US for this reason. Furthermore, very significant fiscal stimulus is coming. There is a very good chance, for instance, governments provide financial support to airlines - the US has already suggested this, and I would expect the EU to follow in the not too distant future as well.

With respect to the banking system, while bad debts will increase, the magnitude of the hit to the credit-worthiness of their borrowers will depend on the duration as well as the severity of the downturn. Banks in the US and Europe have lent conservatively over the past decade, and interest rates and hence debt serviceability burdens are low. Most of their borrowers will therefore be able to manage through a 1-2 month hit to their incomes, and banks can and likely will provide short term forbearance measures on repayments. One of the risks is IFRS-9, which requires banks to front-load provisions on the basis of an expected credit loss model. This could force banks to take large upfront provisions, discouraging lending and pressure capital. However, European regulators have already said they are considering granting temporary capital relief to banks (relaxing capital ratios), and importantly, we are not coming out of a period of rapid credit growth. When credit growth goes from 20% to 0%, the economic effects are substantial, but when they go from 2% to 0%, much less so.

While there is much talk of debt levels being extremely elevated, this is a vast oversimplification. What has really happened is that government debt has significantly increased in the post-GFC era, but government bond yields have collapsed to zero, and while high government debt could be a problem long term, it is most certainly not a problem at present. Meanwhile, private sector debt intermediated by the banking system has been falling for 13 years in both the US and Europe relative to GDP. Household debt in the US, for e.g., has fallen from more than 100% to only about 75% at present. Banks, individuals, and to a lesser extent, corporates, have been deleveraging for 13 years. Furthermore, not only has debt to GDP fallen, but interest rates are also at record lows, such that the debt servicing burden is now actually at very low levels by historical standards.

There are pockets of excess, to be sure. Debt levels in the private equity space, for instance, have mushroomed. However, this debt is well structured, being covenant light, long term, and low cost, while the private equity industry has US$1tr of committed 'dry powder' (funding commitments clients have either provided or are obligated to provide when called, which is not yet invested). While private equity is arguably in a bubble, it is not a bubble that will quickly unravel.

The outlook for oil appears more challenged in the short term, as the combination of falling demand and rising supply ought to continue to pressure oil prices, and in the worst case they could easily fall to US$20/bbl or less. However, even here, it is not impossible OPEC+ comes back to the negotiating table. The demand outlook has rapidly worsened over the past week or so, and Saudi Arabia's response appears highly emotional. Russia's stance was more justified - they merely wanted to maintain existing cuts (rather than cut further), noting accurately that cuts to date had merely resulted in increased shale supply, and that it was too soon to assess the magnitude and duration of the covid-19 impact on demand. They did not want to suspend existing agreed cuts. Saudi Arabia, by contrast, were initially pushing for aggressive additional cuts, but angered by Russia's lack of co-operation, appear to have reacted emotionally, throwing their toys out of their cot and responded by saying they will instead begin to pump as much crude as possible starting from 1 April (likely about 2m bbl/d above their current production of about 10m bbl/d, at maximum capacity).

Sheiks don't like not getting their own way, but once their arrogant temper simmers down a bit, it is possible they could come back to the table - particularly because in Russia's case, one of the reasons they did not want to cut was that they felt it was premature to assess the demand impact, but the week or so since that stance was maintained has seen the demand outlook rapidly worsen.

If that does not happen, it seems probable oil prices will fall further and a rapid supply response from the shale patch will be forced. OPEC+ can ramp production up by perhaps 3m bbl/d, but shale produces something in the order of 6m bbl/d, and most of it is uneconomic below US$30/bbl. Importantly, shale wells have rapid decline rates, so you have to continue drilling in order for production to not rapidly decline by >20%/pa. If prices fall to US$20/bbl, you'll probably see US shale production halve in the next 24 months, absorbing all of OPEC+'s excess capacity, while it is probable global demand has recovered from the covid-19 hit and reached new highs comfortably within this timeframe, as trendline global growth in demand continues to exceed 1m bbl/d pa. In the meantime, an increase in inventories, tanker storage by oil speculators/arbitragers, and increases in government strategic stockpiles, might help absorb some of the excess supply. Bankruptcies in the shale patch nevertheless seem likely, and there will be some hits to the high-yield debt space here. However, the losses do not seem likely to be large enough to be systemically destabilising.

What does all of the above mean for markets? It is important to remember that the outlook for markets is not the same as the outlook for the economy. The US had one of it's worst recessions in history in 2009, and yet stocks had one of their best years in history in that very same year. Market prices are not driven by the economy per se, but instead a combination of liquidity and emotion, because these are the factors that drive the demand and supply for stocks, and that is what set prices (the economy can effect liquidity and emotions, but ultimately it is the latter factors which determine prices).

At present, we have record levels of global liquidity, as central banks slash rates to zero or less, and revert to rapid QE money-printing. However, that liquidity is not yet finding its way into stock markets as there is a sharp divide between risk/volatility tolerant capital, and risk-averse capital. The world is drowning in risk-averse capital, and central banks are creating more of it by the day, while the availability of risk-seeking capital is collapsing as people flee risk and hold more cash/bonds.

But how sustainable is this situation? It is likely that the magnitude of the sell-off has been amplified by two factors. Firstly, in an era of very low interest rates, people have 'reached for yield', and one manner in which they have done so is by increasing their stock allocations - particularly to yield stocks perceived as being relatively low risk (i.e. REITs, utilities, consumer staples, and other 'low volatility' stocks/sectors/ETFs). Money that would typically hold bonds rather than stocks is risk averse capital that is not cut out for the volatility that befalls equities from time to time, and a lot of this money has likely been panic-exiting.

Secondly, the widespread media coverage and the fear felt by the 'man on the street' has likely resulted in a larger than average amount of redemptions from end investors as well. This has created a major liquidity squeeze, forcing managers to dump shares to meet redemptions. On top of that, we have likely been witnessing rapid deleveraging of market players with leveraged books (along with margin calls), as well as fund managers increasing their cash allocations as their fears about the outlook grows, and as buffers against further upcoming redemptions.

That's a lot of selling and a lot of liquidity stress in a short space of time, but it can't last forever. The most skittish money will leave first, and during turbulent times, stock moves into 'strong hands', as they say. Deleveraging will end, redemptions will slow as anyone that is going to panic and pull all their funds is likely already doing it, and fund managers can only increase their cash allocations so much (often they are restricted by mandate as to how much cash they can hold). Furthermore, the more markets fall, the larger investors' cash and bond allocations become relative to their equities allocation simply because equities have fallen in value so much. This will eventually cause some investors to increase their exposure to equities - particularly as interest rates fall lower still.

Even if you're a fund manager who is bearish on the outlook, if you're maximum allowable cash allocation is 10% and you've already gone to 10%, and redemptions stop, you will stop selling. And investors often forget that market prices can rise not only due to an increase in demand/buying, but also due to a decrease in supply/selling. The latter is usually the primary means by which markets rebound from the depths of a panic/downturn - selling lets up and prices start to rise. In time, rising prices leads to an increase in demand, as confidence builds and buyers start to return.

In other words, at some point the amount of liquidity in the volatile equity space will stabilise, and the volume of selling will then abate, and at that point, markets will stabilise/start to recover even if the economy continues to weaken, because for stocks to go down, there has to be a new source of fear that triggers a new wave of selling. That requires either increased liquidity stress, or the news to get much worse, triggering even more people to sell in fear. If the news doesn't get much worse - it just remains bad - the impetus to sell more declines.

It is for this reason that markets will bottom not when coronavirus economic impact is at its worst, but when the crescendo of worsening news is at its peak. Over the past week, the news has continued to go from bad to worse at an accelerating pace, as the situation has worsened in Italy; the speed of new cases has accelerated around the world; famous people have been infected; and then more and more extreme containment measures have been announced, from restrictions on large events, to travel restrictions, to complete lock-downs; to now forced closures of retail and entertainment venues. That escalation in bad news has given people a new reason to panic more every day.

However, it is going to be hard for this acceleration in bad news to continue, because we have already basically reached the practical limit to which social distancing measures can be implemented (closing bars, restaurants, and retail establishments, such as in NYC), so the pace of shocking new headlines about such measures will have to slow. Meanwhile, the large temporary rallies we have seen during this downturn highlight how upside sensitive markets are to even a whiff of good news - a situation that likely exists because there is a record amount of cash sitting on the sidelines at present, which is a latent source of demand. As noted, it is hard to see how such aggressive containment measures will not result in a slowing in new case rates becoming evident in 1-2 weeks time, and any headlines that suggest the rate of spread may be slowing will likely cause markets to very violently rally.

The reason for the violent rallies we have already seen on a few occasions on the way down is easy to understand technically, because at present we have a 'multiple equilibria' situation: we have record amounts of liquidity on the sidelines which is looking to enter the market, but a wholesale reluctance to buy while prices are in free fall. What this means is the second investors feel prices might be set to rise, they will rush to buy, while when prices rise, the impetus to sell relents. In other words, demand is a function of price (demand increases as prices increase), and supply is also a function of price (supply increases as prices decrease). We should therefore expect extreme volatility for this reason.

Although it is impossible to know, my intuition is that we are very close to - if not at - the bottom. Indeed, there is already some good news starting to emerge in Asia that is being ignored by Western-centric investors. China, South Korea, Taiwan & Singapore for instance have all had success in containing the virus, and economic activity is rapidly recovering in China - one of the world's largest and most important economies, which drives significant demand for commodities and construction materials - which is very important to the economic outlook for commodity-exporting countries. There is more to the world economy than merely the US and Western Europe these days. It is surprising that no one currently seems to think that the rapid recovery the Chinese economy is experiencing is of any importance.

New anti-virals are also being worked on around the clock which could significantly mitigate the worst symptoms, and hence meaningfully reduce death rates, with some people optimistic antivirals could start to become available as soon as April. Vaccines will eventually follow but will take much longer. Right now, investors have assumed no such mitigations/treatments will become available, so this is a major upside risk.

It is often said that the four most dangerous words in the investing world are "this time is different", but perhaps the most important are "this too shall pass". In times of crisis and uncertainty, it is easy for investors' time horizons to shrink to mere months. However, taking the long view, human societies are resilient and adaptable - history proves that, and while humanity and the global economy are in for a very difficult few months, we will find ways to manage the impact, adapt, and get through this.

Good investing is a lot like sailing. When you set out to sea, you should not assume perpetually calm conditions even if all you can see is blue sky and calm in every direction. You should anticipate the occasional storm, and when you find yourself in a storm, while it is tough and uncomfortable, you should reassure yourself that the storm will eventually pass. We have currently entered a storm. One should have prepared themselves in advance by paying prices with a suitable margin of safety that reflect the fact that storms will happen from time to time; if you have done so, there is no need to panic when a storm arrives. The storm - while violent - will eventually pass.

If there is any good to come out of covid-19, it is that it has exposed a radical lack of government preparedness in the West for necessary pandemic response. For instance, if we had stockpiled n95 masks in large numbers, containing the virus would be easy - simply hand them out to all and insist that everyone wears one in public. The cost of doing that would pale in comparison to the economic costs now being incurred on account of that lack of foresight. In the long term, exposing this lack of preparedness might result in a change of behaviour, and better preparedness for future pandemics that could be much more catastrophic - for instance a highly contagious disease with death rates of 20%.

We should prepare for public health emergencies like this is in the same way the military prepares for war. You don't start building aircraft carriers only after war is declared - you need to be in a state of perpetual readiness that recognises that anything can happen at any time. The Western world has been caught completely unprepared, which is a failure of leadership - yet another that can be added to a very long list. With a bit of luck, this covid-19 episode will result in a change in behaviour and much better preparedness in the future.

In the meantime, stay safe.


LT3000

445 comments:

  1. Lyall, I'd really like to believe you that we are likely near the bottom (thougj I really I wish we were at the top, in terms of new cases). However the outbreak is growing out of control in major European countries, and has barely begun in others. What's more, it's barely getting going in the US and here in Australia - and whilst, for instsnce, public transport in still in widespread use (it is my umderstanding this can be transmitted by breathing the air of an infected person), I fail to see how containment is in sight. Then there's talk of the UK attempting a 'herd immunity' strategy.

    Perhaps I'm getting caught up in the whole thing, but when I put all that together, I struggle to see that we are near maximum panic, much as I'd like us to be.

    ReplyDelete
    Replies
    1. Hi Mars,

      I'm not an expert so not 100% sure on this, but from what I've read/heard, there is a big difference between how the virus 'can' in theory be transmitted, and how in practical reality, the vast amount of actual transmissions occur.

      In theory, you can maybe catch it breathing the air of someone infected and asymptomatic, in reality that will be a tiny fraction of infection. If it was that infectious, the R0 would be massive massively higher than 2.3, and containment would have been utterly impossible, even in China.

      I think people are far too pessimistic about the likelihood that transmission rapidly slows in response to the quite draconian measures now being implemented.

      LT

      Delete
    2. Hi guys. Just my two cents to clarify a few things. I make a daily use of train/subway in one of the first affected (and managed) countries and I tested positive.

      Like Lyall mentioned, it is theoretically possible to catch the virus from someone breath. However, I believe the probability is quite low (especially with how trains are half-empty these days). On top of this, most people in my country wear masks in public transportation, making it a very unlikely medium for transmission.

      I can't say the same exact thing will happen in Europe and the U.S. but I hope this adds some context.

      Delete
    3. I am the anon above and I meant to say "I tested negative"
      Sorry about the confusion haha.

      Delete
    4. Thanks Anonymous for sharing your experience. Helpful.

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  2. Very well thought out article. A sane voice in the madness of the crowds...

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      Delete
  3. Mars, my understanding is that the UK is backtracking on this herd immunity strategy.

    Lyall, we know that drastic "social distancing" measures does indeed slow the virus down, what happens when everyone that has been isolated reemerges and we potentially get a second wave of infections? Also, i'm still not sure we've seen the worst of it from a headlines point of view, in America for instance, we're seeing infections still rising but it is only now that these social distancing measures are being put in place so I suspect its entirely possible things will get drastically worse over the next 2 weeks or so, including potentially rising deaths.

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    1. Dr v.

      Right now the expectation is already for a continuing dramatic rise in infections in coming weeks. It's the increasingly drastic containment measures being announced that have been hammering markets of late.

      Agree it will take a week or so for slowing infections to come through in numbers/headlines, but it's not that far off. I suspect we will have started to see a drop in R0 starting last week already.

      Second waves are a risk, but if we've recovered from first wave, markets will already have rebounded a lot & probably won't retest the lows through the first wave. Also, more antiviral remedies & healthcare system readiness will be in place by then, while headline fatigue will set in at some stage also.

      Cheers,
      LT

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    2. Thanks Lyall. One thing I completely agree with you with is this idea that rebound will be sharp and rapid. I was struggling to properly form the argument why I felt that way, obviously it was in relation to the passing of the virus etc but you have articulated it beautifully by explaining how unlike an asset bubble, demand should return to previous levels.

      One other point, I thought your recent tweet how humans rapidly accept a new "normal" was very insightful and I completely agree. I was listening to a Malcolm Gladwell podcast recently and he made the exact same point and used the example of the HIV/Aids epidemic in San Francisco/USA in the 1980s amongst gay men, and how despite a significant portion of these men contracting HIV and many dying, it became a new normal despite the horrifying statistics.

      Delete
    3. Just found this website. Looking forward to future posts to see how views here change. Who would have guessed the US federal govt would have refused to become involved with testing let alone take the lead.

      Delete
  4. Another four important words are "reversion to the mean." The CAPE ratio had only been this high recently on two other occasions, (2000 and 2008). Even after Monday's close, the CAPE ratio is still well above the historical mean.

    https://www.multpl.com/shiller-pe

    While I can understand thinking things will bounce back, perhaps the market was significantly overpriced (due to low interest rates essentially forcing people into equities) and now prices have just come down closer to historical valuations?

    ReplyDelete
    Replies
    1. I've written about why the CAPE multiple is seriously flawed in a world with a lot of buybacks (not the case historically):

      https://lt3000.blogspot.com/2017/02/why-cape-multiple-is-fatally-flawed.html

      Secondly, it is a flawed approach IMO to benchmark where markets are vs. historical valuation averages, and say we are only back to historical averages and so the market is not cheap/oversold, because we are in a world with unprecedented liquidity and very low interest rates, which means the cost of capital has fallen vs. historical levels. Consequently, where markets settle out after the dust has cleared will be much higher than historical averages.

      And lastly, that's very US centric. Outside of the US, markets are at GFC lows on a P/BV level.

      Delete
  5. Thank you LT, nice reasoning.

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  6. Hi, thanks for the usual high quality content. I am an italian living in Italy in one of the most affected areas, even though not Lombardia that is the most affected area. I am not a doctor nor a scientist but the situation became a bit more under control, I even got to see people queuing in good order with masks respecting 2 metres distances between each other for entering the supermarket (they let us in little by little to avoid crowds inside the shops), which for Italy is quite surprising... I dont feel safe yet but these measures were established just few days ago and in a week we will start observing results, I expect to see a big impact on the statistics because the change in attitude and behaviour has been impressive and quick. For a bit of optimism to come, all we need to see is an effect of these policies on the statistics, which I think may occur for Italy in a week or so.

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    1. Thank you very much for the on the ground feedback Countryman - it is much appreciated. Very pleased to hear the situation is slowly starting to improve. Wishing you and your 'countryman' all the best & a speedy recovery.

      Delete
  7. More measured, but still over-optimistic.

    I would encourage you to go back and look at your Twitter since the start of the crisis, and note that you have consistently been too optimistic - this is not to urge overcorrection, but to make you aware of your bias.

    I'm reasonably sure the market will bounce as it did in April and May of 2008 and November 1929 to May 1930. Steep drops of this nature don't kill the bulls all at once. I am also reasonably certain this bounce will be a trap.

    We are some way off the end of the bad news. The UK and US are yet to lock down, and a long way off peak deaths. At some point the first quarter's earnings will hit, and that will be more bad news again.

    You're also, to my mind, a little slapdash in considering the second order effects. I'm inclined to agree with you that the debt servicing burden should be manageable in a world of such low interest rates, but it is also important to consider consumption, which is guaranteed to be impacted by large sectors of the population being unable to work for some months. Michael Pettis' Twitter feed has alluded to the impact on migrant workers in Beijing; the impact on hospitality and tourism industry workers in the West is just starting, and anecdotally effects are already visible in fields far removed from these such as parts of the tech sector.

    The likely consequences on consumption are not merely immediate, as money for luxuries and non-essential items dries up, but longer-term as people who had only small amounts of savings prioritise rebuilding and strengthening their reserves.

    I am not so keen to forecast a V-shaped recovery, particularly as there's limited room to use conventional monetary policy tools after extended flirting with ZIRP.

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    1. Thanks for your comment.

      I'm not sure what Tweets you're referring to. I only said I though the market was bottoming Friday morning Asia time. At the time I tweeted, US futures were limit down; Australia down 8%; and Thailand down 12%. Less than an hour after I tweeted markets ripped higher. The US went on to rise 10% that day - about a 17% swing from the lows, and Thailand and Australia also rallied by similar amounts. On Monday, the US sold off about 10%, giving back the regular session rally, and it's trading up about 2-3%. So so far, the market is up about 7% since I called what has (so far) been the exact bottom within a matter of hours.

      I might yet be proven wrong/too optimistic, but that certainly isn't the case yet. I might 'feel' wrong because markets got hit so hard on Monday, but you're forgetting they also rallied extremely hard on Friday also.

      The other Tweet I said was that I thought there was a big buying opportunity in oil and oil related currencies coming on the Monday after the weekend OPEC+ broke. I bought some Sberbank (ruble as an oil currency got crushed) near the open that Monday at US$8.90 ish. It's currently trading at about US$10.

      Again, that doesn't prove anything yet as markets are moving quickly, but I fail to see how this proves I've been 'too optimistic'.

      Delete
    2. I'd look further back, a couple of weeks.

      "Be greedy when others are fearful... This is a great time to be greedy." - 28th Feb. The entire conversation sparked off this looks dangerously optimistic in hindsight.

      "Seeing some of the best buying opportunities I've seen in 20 years outside of the GFC at present. Exciting times for value investors." - also 28th Feb.

      "Two thirds of the articles on WSJ’s ‘whats news’ section are currently on covid-19. Should we really be surprised markets are rallying? Headlines are a great contrary indicator. When markets become unifactorial in their attention u know the point of maximum market impact is nigh" - 2nd March.

      "Miller VP noting infectious disease expect Matt McCarthy estimates covid-19 ultimate death rate at 0.2-0.4pc, which is only 2-4x a bad flu season.

      Containment is futile. Ppl will learn to live with the risk and life & markets will move on." - also 2nd March.

      With two weeks of hindsight, it should be obvious:
      - 28th February was not in fact a good time to buy.
      - The point of maximum market impact was not "nigh" on 2nd March.
      - "Ppl will learn to live with the risk and life and markets will move on" is an absurdly flippant prediction given the current disruption across the developed world.

      Use your previous predictions as calibration for your current ones here, and don't succumb to confirmation bias.

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    3. I think you omitting to consider the second blow of the 'one two' punch I mentioned - the OPEC+ fallout, which also had a huge impact on markets, and was not foreseeable on 28th Feb.

      Secondly, I think it is fair to say that the degree of escalation we saw in terms rapid moves last week towards shutting down everything across Europe & the US; locking down countries, etc, was indeed worse than I was expecting at the time, so you are correct that events have played out more negatively than I anticipated on 28th Feb. Point taken.

      However, saying things like now is a great time to be greedy, or that I'm seeing fantastic buying opportunities, does not imply I think things can't possibly get worse in the short term; or that we are inevitably at a bottom. It is only very recently that I've gone as far as suggesting as much. I invest with a long term time horizon, and I am quite confident the things I was buying on 28th Feb will work out very well over time. And FYI, I've done a lot more buying over the past week or so than I did in late February.

      Delete
    4. My general impression is that you seem to think that things will swiftly return to business as usual, and earnings from last year are among the most relevant data to consider in the current situation. This is not impossible, but to me it seems very unlikely.

      To sketch my own thoughts: a good number of companies are going to perish, and while some of the larger ones may be bailed out by their governments, they may be nationalised or burdened with a debt load that will make them shareholder-unfriendly. The worst case is not earnings dropping to zero, but crippling losses and a subsequent fire sale.

      In particular, investing now in luxury goods (you mentioned Capri on your Twitter feed) looks dangerous. Capri is priced for a high probability of closing a great many stores and skirting administration; this may not come to pass, but it is the risk you take.

      Many stocks that were riding high in 2007 never recovered their former glory. You yourself recently posted a list of stocks from before the dotcom crash including Nokia, Nortel, Morgan Stanley and others chiefly notable also for not recovering; why is your baseline expectation that this time will be different?

      Delete
    5. For me some relevant questions to ask about a company right now would be:
      - how long can it afford to ride out an immediate large revenue drop?
      - is it in a sector likely to be more mildly affected by a pullback in discretionary consumption, or a cheaper substitute for former consumption?
      - are its competitors likely to be more weakened by the crisis than it is?

      Previous earnings are relevant, but IMO have to be seen in the context of the likely landscape of the coming year.

      Delete
    6. I also disagree with the V recovery thesis. A lot of businesses and individuals will require balance sheet repair after this.

      The method we have adopted for balance sheet repair as a society is ZIRP. This is essentially a slow debt jubilee dragged out over time. The lower the prevailing interest rates before the crisis, the longer the balance sheet repair will take. This method will lose effectiveness gradually.

      Delete
  8. What about the risk of feedback loops, whereby lower spending/rising unemployment in affected industries tips the economy into a longer term recession and therefore not a V-shaped recovery?

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    1. Those feedback loops have started. But, when case numbers decline and treatments become available, social distancing restrictions will be progressively lifted, and people will go back to their prior lives, and as they do, the feedback loop you mention goes rapidly into reverse, which is the very definition of a V-shaped recovery.

      Delete
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      Delete
  9. The antiviral bit is crucial. There are a number of drugs (The Economist printed a list of eight or so) which exist, are currently in production and use today for various purposes, and which there's good reason to believe might be effective against the virus.

    IMO in six months investors are going to look back in bewilderment at the absolute mauling and extreme overreaction in stocks - a product of hyper-extreme bullish positioning at the start of 2020, and the other psychological/positioning factors you describe. It's all a fascinating live-action case study in behavioral finance.

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    1. I completely agree with you MT, & exceptionally well said. I tweeted yesterday about one example of an effective treatment Australian researchers have already uncovered, which looks highly promising, and encouragingly, the drugs are already registered and commercially available, which means they have already been through human safety testing (although not yet efficacy testing for covid-19 indications, of course).

      https://twitter.com/LT3000Lyall/status/1239860794973499393

      Nailed in in your second paragraph. Couldn't agree more. I even stole your line for a tweet I wrote today, because I was thinking along similar lines and you said it so well.

      https://twitter.com/LT3000Lyall/status/1240075586606739456

      Best,
      LT

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  10. Everybody is staring themselves blind on those Chinese figures which are pretty unreliable for many different reasons.

    Worth noting is that WHO and other experts overestimated CFR of Swine flu by more than a factor of 10.

    What is reasonably accurate is the death number. What is far more likely to be underestimated is the total case number.

    That said, if it is still as high as 0.4-0.6%, and lock downs delay herd immunity, then it will still be an economic issue. As you will get more lock downs in the next couple years.

    All it takes is a few people that stay infected with little symptoms, that infect a couple other people, and it flares up again in November. If they screen more people they catch it quicker, but it will result in more panic.

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    1. Agree secondary outbreaks will happen, but you're perhaps overlooking that we will quite likely have effective treatments become available in the next few months that substantially reduce lung inflammation symptoms that contribute to high death rates. If death rates fall to close to zero due to availability of treatments, there will be no need for people to panic about infection levels rising again. People that need the treatment will get it; most will have mild symptoms and heal up with a few days rest. No big deal.

      We are not there yet, but we will be there in a few months time, quite likely.

      Agree historical precedent suggests the risk will be dramatically overestimated, and I don't see any evidence this time will be different. The issue in Italy was underestimated, but we have swung from one extreme to the other. Appropriate, at an early stage, but it will quickly let up. Society's tolerance for everyone sitting at home quarantined in their own homes for extended periods is limited. As discussed in the book Range, experts are also notorious for not using base rates enough or considering input from other fields/mental models. Many will not take into account behavioural responses, for instance. I think in hindsight a lot of the alarmism we are seeing today about massive imminent doom will appear kind of silly in hindsight - albeit I totally understand it from a public health pov at present at an early stage, when the scope of the risk is still not fully known, and treatment options & facilities not battle-ready. We will get there in the next month or so IMO.

      Delete
    2. Yeah good points.

      Have you looked at air travel related stocks? SAVE looks interesting, and AENA and FLU (both double till regulated, owned airports, manageable debt, very high profit margins and <10x 2019 earnings). And airports are allowed to "over earn" in a bad year. Since they are basically regulated monopolies.

      Delete
  11. Bravo! Excellent to hear your thought process of the whole situation, I too think the bottom may be in and the impact of bad news will fizzle out. Curiously, social media and smart phones usage makes the bad news spread far worse than in previous pandemic times. Of course, as you pointed out people will get desensitized to this bad news once it hits a tipping point and good news comes out. I will reference this post in the weeks ahead to see how much of what you write comes to pass, which I suspect will be very much prophetic.

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  12. Hello Lyall
    I work in construction as a Quantity Surveyor in Melbourne. I think there will continue to be disruption for a number of months after the virus is contained. Last December & January were the quietest i have seen in several years, we were not being asked to submit fee proposals for new projects (towards the end of February we submitted some) We do a lot of work for Universities and i have being told they have projects on hold until there financial situation is more certain. In addition 1 builder who i regularly work with told me he had to win more work as he has site managers not working. It is very competitive at the moment 1 of my responsibilities is to complete tender evaluations for our clients and we supply the format that the priced tender is to be submitted and margins on one recent project were $30,000 to $50,000 on a $1 million dollar project. (we ask prelims & margin be kept separate)
    The other consideration is lead times and equipment from overseas we import high end electrical/ mechanical equipment from Germany and China these items such as fan coil units, chilled beams (with lead times of up to 10 weeks) and transformers (the transformers already have lead times of 20- 24 weeks and come from China, Germany & Indonesia i have a project currently where we are replacing transformers. For high rise apartments glass & joinery is imported from China. I am seeing on tenders in the last week with qualifications regarding corona virus.
    There will be a backlog due to China being closed off and at least in Australia if we close down (and i think its a matter of when) we will fall further behind as ports close down. Construction projects will be on hold until these items arrive on site, an alternative is air freight rather than ship but this is expensive and i doubt many would have room in there budget. There will then be the second order affects of lay offs and builders going into liquidation.
    I think your right about it being a temporary disruption but that it will last a little longer than you anticipate and at least with Australia and our high debt levels could be very bad.
    Regards
    Anthony

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    Replies
    1. Thanks Anthony. Helpful on the ground colour.

      As I discuss below in my comment to Pete, I am far less optimistic on the outlook for Australia as I was bearish on the outlook to begin with; Australia is not entering the downturn from a period of strength & economy was already under some pressure.

      That being said, I would not be so pessimistic on the outlook for supply chains out of China at least (Europe is different). A lot of the feedback I am hearing from conference calls with corporates that source out of China is that after disruptions in Jan-Feb, things are basically back on line and back to normal now. Supply chains sources from Europe will be disrupted though as people stop work for a few weeks.

      Cheers,
      LT

      Delete
  13. Insightful and clear as always. Much appreciated Lyall. Wondering if you'd agree that countries like Australia, Canada and New Zealand should be considered distinct from US and Europe? Ie. Unlike US and Europe, house prices may be considered a bubble and household debt has been growing. Therefore risk of a long drawn-out impact resulting from covid-19 is far greater.
    Thanks in advance.

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    Replies
    1. Thanks Pete,

      I think Australia, NZ, and Canada are much riskier/late cycle than the US and Europe. Unlike the US & Europe, they didn't have a cleanout during the GFC, so their banks are risky and leverage is at record highs, whereas in the US/Europe, the private sector & banks have been deleveraging for 13 years as I discuss in the article. Consequently, they come into this far more vulnerable than other Western economies.

      I blogged about how I was bearish on Australia a year or so back for reasons completely distinct from covid-19. I have been an remain short the USD Ausy ETF (albeit partly as a hedge to my longs, which now modestly exceed 100% gross long), and see the Ausy market as still being quite expensive/overvalued, so I'm far from optimistic on the outlook for Australia. I am not surprised to see it underperforming. Many small-mid cap tech stocks there have been in a legitimate bubble (I blogged about APT and said I think it goes down 90%+; its down 60% so far although not entirely for the reasons I argued, but it's down way more than the market, and yet it's still breathtakingly expensive).

      That said, the AUD has come down a lot and iron ore prices are doing ok & China is set to stimulate. This will cushion the blow. I have been & remain long FMG, although I have trimmed quite a lot.

      Cheers,
      LT

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  14. Looking at the above posts, what I see is a lot of focus on things getting worse, and perhaps even panic intensifying. I believe this is the likely (not certain) case too, and that LT is also being a little too optimistic.

    That said, I think the central point is that these are widespread sentiments, and so they can't help but be priced-in (relative to existing liquidity). That liquidity won't just dry up - in the next 6 to 12 months. The commentary is demonstrating what we already know, that markets are by necessity forward looking. So everyone is focused on the worst that's to come - naturally.

    The problem is, and here I agree with Lyall, by time we get to 'the worst', the market will already have moved on.

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    Replies
    1. You might be right Mars - it's impossible to know. However, it is intriguing that the daily caseload has now flatlined in Italy for about three days, I believe. No one is paying attention to these facts at the moment, as people continue to reside in their bloomberg/media/twitter bubble, while the media is having a field day with the clicks generated by a running commentary on the worsening doom that awaits us all. Commenter 'countryman' above also provided very useful on the ground colour.

      This situation is not sustainable. Markets remain highly volatile but they have generally stopped going down since Thursday last week, even though it might feel like they still are. This is also something that happened near the GFC lows - continuing big selloffs the perpetuate the sense of doom, but increasingly common sharp intraday rallies that pare losses, and the occasional big up day.

      Sentiment is currently about as bearish as I have ever seen it. It's even worse than in the GFC. Given that the facts on the ground are actually improving - including significant news in recent days that effective treatments are rapidly being discovered and will soon become available (one such example I tweeted about @ link below), it is hard for me to see how people can get exponentially more bearish from here. The headline momentum is very likely to turn in the next week or so as news of slowing case volumes and accelerating progress on treatments becomes more widespread.

      This will be followed by damping fear, and then in April after two week closures, we will likely start to tentatively see restrictions on restaurants and retail outlooks operating lifted & people coming back to office. Travel restrictions probably won't be lifted until May ish. Major events might require until June. Markets will be way way up from current levels well before we get to this point. A full market recovery by late 2020 is highly possible.

      https://twitter.com/LT3000Lyall/status/1239860794973499393

      Delete
    2. Lyall, maybe you misinterpreted my post. I'm actually broadly agreeing with all that. Essentially I'm saying that I believe main street will get worse, but wall st is already pricing-in all the negativity. So my point, Wall St may get worse from here (don't know), but prices are probably already substantially below fundamental values (on average).

      Delete
    3. I would ignore case numbers at this point.

      In the early parts of cycle case numbers likely overestimate growth (as they are lagging real cases and really go up as fast as they can be produced), and in later cycle likely underestimate growth as a limit is reached of how many can be tested each day.

      I would look at % tested being positive, and the deaths (which are likely more accurate).

      So far Italy is leveling off in deaths in the past few days, but that could be noise.

      It is interesting that the first registered case was in the US before Italy.

      Delete
  15. Lyle,

    What do you think about reports from WSJ and others that the young people in the US are simply not social distancing, going to bars, clubs, spring break etc. (https://www-wsj-com.cdn.ampproject.org/c/s/www.wsj.com/amp/articles/a-generational-war-is-brewing-over-coronavirus-11584437401)

    I ten to think that the collectivist culture in Asian societies leads to much higher rates of social compliance vs the individualistic culture of the West. I would not surprised to see us follow along Italy on the curve.

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    Replies
    1. It's not entirely irrational on their part - although it is socially irresponsible for sure - given that death rates among the young are negligible and symptoms present no worse than a typical flu in the vast majority of instances.

      You're right that it might hamper containment efforts in some regions.

      Delete
  16. Hope you are well & safe Lyall. Thank you for a great read.

    What is your current take on Sberbank? Loan book seems to have a large exposure to O&G commercial loans which look really shaky atm. Cheers

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    1. Hi Lyall, I am also interested in your take on Sberbank. How likely is a dividend cut like they did in 2015? What are your thoughts on Gazprom and the russian stock market in general? Maybe worth a single blogpost :-). Cheers from Germany

      Delete
    2. I don't think Sber's dividend will need to be cut, although it's possible they do cut/defer it out of prudence. Russia is well prepared for a period of lower oil prices; has low leverage; and the economy is already coming off a low base, having been suppressed by very tight fiscal and monetary policy. That said, covid-19 could well spread in Russia just like it has everywhere else & impact the economy near term. Russia's somewhat isolated status in the world though, and tough visa restrictions which reduce the flow of foreign travel, might well limit the amount of imported infections though.

      I am bullish on the Russian stock market in general, including Gazprom (which I own). The currency is cheap; the economy at a secularly depressed level; corporate profitability is high; corporate governance much better than people assume (and rapidly improving amongst SOEs); capital allocation amongst the best in the entire EM complex (increasingly modeled on US/Western best practice, with high dividend payouts and buybacks increasingly common), and valuations extremely low. The human capital stock is also very high relative to Russia's level of USD GDP per capita, and there are a lot of much underappreciated domestic reforms happening in Russia.

      I think Russia will probably be the best performing stock market in the world during the 2020s.

      Cheers,
      LT

      Delete
    3. I am looking for a third investment in Russia (I own Gazprom & Sberbank). What are your thoughts on Norilsk Nickel? Do you have another idea for investing in Russia?

      Delete
    4. Norilsk is a great company but looks fairly valued to me - at least in a Russian context it is relatively expensive compared to some of the alternatives. Rusal is a way to get a cheaper leveraged entry into MNOD if you want to own it IMO.

      Russia is full of very cheap stocks - they aren't difficult to find if one looks. Cheers

      Delete
    5. Noilsk has platinum and in the longer term PT is going to explode higher.

      Delete
  17. You said US companies have been deleveraging since the GFC. According to the data I've seen that's not true. Also, when you talk about federal debt, what about hidden liabilities like pension funds?

    Greeting, I really like your blog.

    ReplyDelete
    Replies
    1. Agree with this. My other concern would be loans that are now exposed as no longer money good. As banks/lenders look to whittle down new bad loans (shale companies being a prime example, even though they're not a large %), good loans will get called and that capital may not be reinvested to the same extent that we have seen. So another system deleveraging of sorts.

      Delete
    2. It's called the pseudo-científic approach. Some guys have an thesisidea/idea based on a few facts (sometimes no facts), and they try to build a case. When there are conflicting elements, they are ignored or even twisted. Anyhow most of readers don't have any clue either (or have no time to check things). 55 +/- 15% of the times they will be right, thanks to the superficial analyses.
      Yet, I prefer those investors that write less, and stay to facts rather than long write-ups (less chances to confuse readership).

      Delete
  18. Thank you. Excellent article!
    I agree except one thing.
    South Korean statistics are not credible.
    From 2017, their pro-Chinese regime is manipulating statistics.
    Their president is the one who openly saying he wants to follow Chinese dream.

    ReplyDelete
  19. LT thanks for all your tweets and blog posts, outstanding.

    You can name your restaurant when you come to NYC, when they reopen.

    ReplyDelete
  20. Hey LT3000 Name some US cyclicals?

    GM?

    ReplyDelete
  21. Lyall,

    I suspect you are broadly right regarding markets, but the dichotomy in performance will be enormous. Many economies (Australia in particular) did not have households deleverage through the GFC and would appear particularly vulnerable, regardless if the slow-down is simply short and sharp.

    One of the other consequences of the outbreak is likely to be the rapid increase in de-globalisation as businesses re-shape supply chains and adjust just-in-time inventory systems to carry more stock on hand (as an understanding of what dispersed supply chains entail in times of a geographically disperse 'crises'). These changes will begin to reverse many years of consumer price deflation (primary beneficiaries of globalisation), and have other unintended macro consequences.

    I think part of the OPEC+ issues also relate to this. In my opinion, the strong renewable energy uptakes in parts of Europe have been less driven by altruistic motives and more around energy security (in particular by reducing reliance on imported Russian gas).

    In response Russia has pivoted to China (e.g Power of Siberia) as a major customer but has competition from US shale producers (among others). I would think a base case is Russia uses this as an opportunity to boost supply and severely damage US Shale producers given respective breakeven costs.

    While it will damage Russian state finances in the short term, having just completed an election cycle (next 2024) there is no impetus at this stage for matters such as approval ratings (which dictated part of the Russian response in 17/18).

    Just my 2 cents worth. As always appreciate your thoughts.

    Will

    ReplyDelete
    Replies
    1. Thanks for your comment,

      I agree with you re Australia. I've blogged about Australia & Australia housing in the past, and while I've been somewhat wrong so far, I do agree that Australia is not well positioned for an economic shock. That being said, exchange rate flexibility helps a lot and the AUD has fallen significnatly. Many Eurozone member states do not have that advantage, although the Euro itself has weakened.

      I wouldn't overestimate the long term impacts on de-globalisation. I do think that JIT inventory will go out of favour somewhat and more buffers will be built into supply chains, and perhaps more diversification by geography (already happening in a world of trade wars/tariffs anyway). However, supply chain disruptions out of China proved fairly short lived.

      On Russia, there is a constitutional vote coming up in late April that might allow Putin to stay on as president until 2036. It is quite possible that an environment of crisis or perceived crisis might improve the chances of the vote being approved. Decimated oil prices in the short term might play into that strategy. Will be interesting to see if Russia's stance changes after the vote. If it does, it could support this theory.

      Cheers,
      LT

      Delete
    2. Gazprom will finish a second pipeline to Germany by the end of the year (Nord Stream 2). The Company will raise its gas exports to Europe because domestic gas resources (Norway, Netherlands, UK) are nearly exhausted. US LNG has way higher break even costs than russian russian gas, so there no competition to expect. More details here: https://www.gazprom.com/investors/presentations/2020/

      Delete
  22. There is something else going on besides the virus and it is in the oil market.

    Oil for sale is one of the most corrupt operations on planet earth.

    ReplyDelete
  23. Hello Lyall
    I believe I read on one of your posts that to invest in your found, we need to be qualified as a sophesicated investor is that still the case? And if yes have you any plans to open up to retail investors in the foreseeable future.
    Also I am curious on your views on gentrack you mentioned it on a recent post and I have a small holding of several years and am looking to sell to free up some cash
    Regards
    Anthony

    ReplyDelete
    Replies
    1. Hi Anthony,

      Thanks for your question. Unfortunately I still do not have a retail fund, and will not do so for a long time, so I can only accept funds from accredited investors. The regulatory costs are prohibitive for someone at my scale, unfortunately.

      I don't have any special insights on GTK. I disliked it a lot before but it's already come way down so it's now a lot less clear. I don't have any insights into whether it's come down enough at these levels.

      Best,
      LT

      Delete
  24. Hello, on mkt timing.
    The BOFA ML data on global AM holdings could help. Especially cash positions.
    Best

    ReplyDelete
  25. LT don't dial anything in, Hempton is in love with himself, he is so annoying.

    ReplyDelete
  26. It sure is scary to look at economic figures now. I hope you are right.

    ReplyDelete
  27. LT in case you missed this from Horizon Kinetics:

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    ReplyDelete
    Replies
    1. Hahahaha the local drive link !!! X-D ! Internet is sooooo democratic !!!

      Delete
  28. Just found your blog! Great stuff, I will definitely revisit! Best regards from Sweden! /Axel

    ReplyDelete
  29. Hey LT do you still own BTI?

    For the long haul?

    ReplyDelete
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  31. Hey you have written an best article. Keep doing hard work success will come to you. I have written an article on How to make invest anywhere

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  32. LT I appreciate your posts, I don't want you to stop writing, so ignore the sniping, you can't stop and throw a stone at every barking dog on the walk, somebody said that, any way, I learn a lot from you.

    Thanks

    ReplyDelete
  33. too bad site is invaded by commercial ads.

    ReplyDelete
  34. Hi Lyall, I'm looking forward to your next entry!

    Do you have any views on Berkshire Hathaway and perhaps their uncharaterstic mistake of buying airlines shares in early March only to dump them a month later at a significant loss?

    Also Berkshire Hathaway have not been actively engaged in the market with Warren citing a wide range of possible economic outcomes. Is the sage of Omaha losing his touch? I myself wouldn't bet against the man, but I've certainly taken advantage of the recent market turmoil myself.

    ReplyDelete
  35. This comment has been removed by the author.

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    at +2348165102815 am convinced he can help you too,
    he is also special on curing 1.
    HIV/AIDS 2. HERPES 3. CANCER 4. ALS 5. HEPATITIS B 6. DIABETES 7. HUMAN
    PAPILOMA VIRUS DISEASE(HPV) 8. ALZHEIMER 9. LUPUS (Lupus Vulgaris or Lupus Eratosthenes)ETC,,,,,, You can also visit his website:
    http://drchalaherbalclinc.wordpress.com OR WHATS-APP +2348165102815 or email him on dr.chalaherbalhome@gmail.com

    ReplyDelete
  63. I'm recommending Dr Aza to everyone who have herpes simplex virus to get the cure from him. I was diagnose of genital herpes in 2019 and i have been searching and asking questions to see if i could get something to cure the disease because i did not believe what the doctors say that no cure is found yet. I came across a comment on Youtube and the person testify how she was cured from herpes and hpv after using Dr Aza herbal medicine. I quickly contact Dr Aza and explain my problem to him and he prepare the herbs and send it to me through UPS and gave me instructions on how to use it and tell me to go for checkup after usage which i did after two weeks of taken the herbal medicine and my result was NEGATIVE. I waited another month and retested the result was still NEGATIVE and my doctor told me that am completely free from herpes. Am so happy and grateful to Dr Aza for what he has done for me and i will continue to share this for people out there to know that there is cure for herpes. You can contact Dr Aza on email and WhatsApp to get the cure from him. Email:drazaherbalcenter@gmail.com and WhatsApp +1(315) 795 1518 .     

    ReplyDelete
  64. I’m so happy to testify of the good work of Dr. Balogun I suffered from Herpes virus since 2007 and I had frequent symptoms in my private area, after some time it will go away after using acyclovir drugs, then come back after some months. it was disheartening since i have been diagnosed, but after finding Dr. Balogun and his reviews i was convinced that he will definitely cure me and so i contacted and he told me how to get his medicine and using it for just 14 days and i will go and check up and first i said how can that be possible but i used his herbal medicine after making purchase and truly i used it and went for the test again, and my result came back negative. So I made it a task to share this good testimony on the internet so that those sick can benefit and get cured. What's App or call him on +2349064881054 or reach him on his email via; balogun.herbalsolutioncenter@gmail.com.  

    ReplyDelete
  65. I can’t believe this. A great testimony that i must share to all HERPES patient in the world, i never believed that their could be a complete cure for HERPES or any cure for HERPES,i saw people’s testimony on blog sites and comment section about Dr.Apala a herbal doctor and the efficiency of his herbal medicine.I had to give him a try because i my self have been suffering from the same virus, and i was not disappointed. It took just few weeks i started using it i started noticing changes. I was cured . You can also contact him on his email:dr.apalaherbalhome@gmail.com or Whats App number+2348114047176
    He can also cure so many sickness
    1. HIV/AIDS
    2. HERPES
    3. CANCER
    4. ALS
    5. HEPATITIS B
    6. DIABETES
    7. HUMAN PAPILOMA VIRUS DISEASE(HPV)
    8. ALZHEIMER
    9. LUPUS (Lupus Vulgaris or Lupus Erythematosus)...................

    ReplyDelete
  66. Battling with any health related issues or infection is not the end of your life, why not contact a herbal practitioner for cure dr Maggi has herbal remedies and permanent solution for all your health related problems.I recommend him to you today only because i have also used his herbal medicine and it worked perfectly on my health problem, you can actually save yourself from giving your hard earned money to Scammers if only you can contact dr Maggi today for genuine and Permanent cure herbal products . Pls help share this post to save yourself and your love ones.Dr Maggi is specialize in these areas,Permanent herbal supplements for anxiety and depression,HIV/AIDS, Diabetes, Epilepsy, Blood, Cancer, HPV, ALS, herpes etc. Email: drmaggiherbalhome@gmail.com also call or whatsApp him on +19179796387

    ReplyDelete
  67. Hello everyone, I’m so happy because I am free from (HERPES) I have been suffering from HERPES since the past three years now, and I have passed through many different processes in getting cured from herpes but nothing was working out. A friend of mine introduced me to a man called Dr.Balogun who sent me a herbal medicine which he prepared for me and told me to use the herbal medicine for 21 days which i did, and my life get transformed and everything is fine and okay with me. Till now I have been going for check up and it is now going to four months and I am still negative.Thanks once again Dr.Balogun may God bless your good works. so contact him today via email balogun.herbalsolutioncenter@gmail.com you can also call or WhatsApp him on +2349064881054.

    ReplyDelete
  68. Battling with any health related issues or infection is not the end of your life, why not contact a herbal practitioner for cure dr Maggi has herbal remedies and permanent solution for all your health related problems.I recommend him to you today only because i have also used his herbal medicine and it worked perfectly on my health problem, you can actually save yourself from giving your hard earned money to Scammers if only you can contact dr Maggi today for genuine and Permanent cure herbal products . Pls help share this post to save yourself and your love ones.Dr Maggi is specialize in these areas,Permanent herbal supplements for anxiety and depression,HIV/AIDS, Diabetes, Epilepsy, Blood, Cancer, HPV, ALS, herpes etc. Email: drmaggiherbalhome@gmail.com also call or whatsApp him on +19179796387

    ReplyDelete
  69. My name is Jeremy,I am from the USA . It's a pleasure for me to write this testimony about how I got my Genital Herpes cured a month ago. I have been reading so many comments of some people who were cured from various diseases by Dr. Isiramen, but I never believed them. I was hurt and depressed so I was too curious and wanted to try Dr.isiramen, then i contacted him through his email when i contacted him, he assured me 100% that he will heal me, i pleaded with her to help me out. My treatment was a great success, he healed me just as he promised. He sent me his medication and asked me to go for check up after 3 weeks of taking the medication. i agreed with him i took this medication and went for check up after a month later , to my greatest surprise my result was negative after the treatment, i am really happy that i am cured and healthy again. I have waited for 3weeks to be very sure I was completely healed before writing this testimony. I did another blood test one week ago and it was still negative. so i guess it's time i recommend anyone going through Herpes HSV-1 or HSV-2, HIV, HPV, Hepatitis B, Diabetes to reach him through Drisiramenherbalcure@gmail.com or his official website on:https://dr-isiramen-herb-store.business.site/

    ReplyDelete
  70. Hello everyone, I’m so happy because I am free from (HERPES) I have been suffering from HERPES since the past three years now, and I have passed through many different processes in getting cured from herpes but nothing was working out. A friend of mine introduced me to a man called Dr.Balogun who sent me a herbal medicine which he prepared for me and told me to use the herbal medicine for 21 days which i did, and my life get transformed and everything is fine and okay with me. Till now I have been going for check up and it is now going to four months and I am still negative.Thanks once again Dr.Balogun may God bless your good works. so contact him today via email balogun.herbalsolutioncenter@gmail.com you can also call or WhatsApp him on +2349064881054.

    ReplyDelete
  71. I have been a herpes carrier for 16 years and I tried every possible means
    of curing but all of no useful until I saw a health promotion on a
    herbalist from Africa who prepares herbal medicines to cure all sorts of
    diseases including cancer and ma others sickness, I first doubted It was
    not true but decided to try, when I contacted this herbal physician via his
    e-mail, I purchased herpes herbal medicine and received it within 7 days
    and used it as prescribed, I tested negative within 3 weeks use, do not
    loose hope to contact him early If you need help, you can WhatsApp
    at +2348165102815 am convinced he can help you too,
    he is also special on curing 1.
    HIV/AIDS 2. HERPES 3. CANCER 4. ALS 5. HEPATITIS B 6. DIABETES 7. HUMAN
    PAPILOMA VIRUS DISEASE(HPV) 8. ALZHEIMER 9. LUPUS (Lupus Vulgaris or Lupus Eratosthenes)ETC,,,,,, You can also visit his website:
    http://drchalaherbalclinc.wordpress.com OR WHATS-APP +2348165102815 or email him on dr.chalaherbalhome@gmail.com

    ReplyDelete
  72. Hello Am From The UK , I want to write a little testimony about the good work of doctor Oyagu who cured me from Hsv 1 and 2 for just 2 weeks with his herbal medicine, I never believe I can be normal again and have a good life like others I always regretted the day I got diagnose with the virus, I was lost of hope when my doctor told me there is no cure for it but I keep thinking and thinking about my future, if I can have kids of my own well I am so grateful for my helper who get me cured with his herbal medicine, I go online in search of anything that can help me because I can’t deal with it forever so I found this doc Oyagu email on a blog of someone who was cured by him I quickly contact him for help and explain all my pain to him, he told me not to worry about it there is cure for real, I never believe until he send me the herbal medicine when I order for it and I have it within 4 days that is how I took the medicine for 2 week and the following week I go for test just to confirm I was 100% cured from this sickness what a miracle in my life I am so happy right now, you can also get in contact with him if you have such sickness through email address oyaguherbalhome@gmail.com or text him on what's app, phone number +2348101755322 Dr Oyagu also has remedy to others disease like COLD SORES,HIV/AIDS,DIABETES.CANCER,HIGH BLOOD PRESSURE AND MANY MORE. I oblige everyone to contact this powerful herbalist Dr Oyagu and be free from suffering.

    ReplyDelete
  73. I Want To Appreciate Dr. momoh for his great deeds, I Was Diagnosed With Herpes Virus Last 2018, And i Was Looking For Solution To Be Cured Luckily I Saw Testimonies On How Dr. momoh Cure Herpes Virus I Decided To Contact Dr. momoh I Contacted Him He Prepared A Herbal Medicine Portion And Sent It To Me,I Started The Herbal Medicine For My Health.He Gave Me Step By Step Instructions On How To Apply It, When I Applied It As Instructed, I Was Cured Of This Deadly Herpes Within 2 weeks, I Am Now Herpes Negative.My Brother And Sister I Know That There Are So Many People That Have The Same Herpes Virus Please contact Dr momoh To Help You Too, And Help Me To Thank Dr. momoh For Curing Me, I’m Cured By Dr. momoh Herbal Medicine, His Contact Email:(dr.momoh9@gmail.com) Or Cell Whatsapp Number +234 708 372 4098   thank you so much DR.momoh. He can also cure other diseases/infections     

    ReplyDelete
  74. I’m so happy my Daddy got cured of ALS which almost make him disable in life,and he lose speech and swallowing ability with other health issues,on till i found someone testify of his Dad who got cured from ALS with natural herbal treatment from Dr Oselumen,i also reach the Dr online through his email droselumen@gmail.com  and i inquire his ALS natural herbal  product,after 3 weeks of using the natural herbal treatment my Daddy got cure permanently,please help me in thanking this Dr for good work by healing ALS patient, they are so great and useful to the state, they are not here to cheat on sick people but ready to help the sick, my Daddy get himself back to feet after 3 weeks of medication, here is the Dr. whatsapp num  +2348054265852  or email  droselumen@gmail.com

    ReplyDelete

  75. I'm 40 years old female I tested genital herpes (HSV1-2) positive in 2002. I was having bad outbreaks. EXTREMELY PAINFUL. I have try different kinds of drugs and treatment by the medical doctors all to know was avail. Six months ago I was desperately online searching for a helpful remedies for genital herpes (HSV1-2) cure, which i come across some helpful remedies on how Dr OYAGU have help so many people in curing genital herpes (HSV1-2) with the help of herbal treatment because I too believe there is someone somewhere in the world who can cure herpes completely. At of the past 2 months, however, I've been following his herpes protocol Via oyaguherbalhome@gmail.com or +2348101755322 and it stopped all outbreaks completely! To my greatest surprise I was cured completely by following the protocol of his herbal medicine . Don't be discouraged by the medical doctors. There is a cure for HSV with the help of herbs and roots by a herbalist Dr call Dr OYAGU he is so kind and truthful with his herbal treatment, kindly contact him for more information Via oyaguherbalhome@gmail.com or WhatsApp DR on +2348101755322you will be lucky as i am today

    ReplyDelete
  76. It’s obvious some patients with herpes are being enslaved to the antiviral and other supplementary Orthodox medicine just to help suppress the virus and not a cure. I have been with the virus since 2015 until I was introduced by a blogger who also narrated her story online on how she was cured of Genital Herpes after using Dr bobizua Herbal Medicine. This is a year and 2 weeks since I was delivered from genital Herpes. All thanks to God for using this Great herbalist to heal me. I have promised to keep telling good things about Dr bobizua. Please feel free to share Your problems with him and don’t forget to tell him I did refer you to Him. Thanks. Write him on mail drbobizua20@gmail.com He deals with Alzheimer virus, Cancer, HIV, Herpes, Genital, warts, ALS, BV, UTI, Virginal infection, Genital, Wart, HPV, Hepatitis A/B, Good luck charms, HSV,Penis_enlargement ,Pregnancy, Ex back.
    for more info
    email_--drbobizua20@gmail.com
    call\whatsapp _ +2347026251438
    https://www.facebook.com/drbobizua/

    ReplyDelete
  77. I’m so happy to testify of the good work of Dr. Balogun I suffered from Herpes virus since 2007 and I had frequent symptoms in my private area, after some time it will go away after using acyclovir drugs, then come back after some months. it was disheartening since i have been diagnosed, but after finding Dr. Balogun and his reviews i was convinced that he will definitely cure me and so i contacted and he told me how to get his medicine and using it for just 14 days and i will go and check up and first i said how can that be possible but i used his herbal medicine after making purchase and truly i used it and went for the test again, and my result came back negative. So I made it a task to share this good testimony on the internet so that those sick can benefit and get cured. What's App or call him on +2349064881054 or reach him on his email via; balogun.herbalsolutioncenter@gmail.com.  

    ReplyDelete
  78. Hello guys, if you need to hire a real hacker to monitor/hack your partner's phone remotely, trade and double your money within days/ weeks, or hack any database, all with confidentiality guaranteed, contact easybinarysolutions@gmail.com, or whatsapp: +1 3478577580 , they're efficient and confidential.

    ReplyDelete
  79. I had my first outbreaks and I was tested back in 2010 for both HSV-1 and HSV-2. Both my husband and I tested positive for HSV-1 but negative for HSV-2. Last year I found out my husband was cheating, so I decided to do a retest on all STDs including HSV-1 and HSV-2, only difference is that this time I went to a different clinic. Anyway I tested positive for HSV-1 which I knew I had but surprisingly HSV-2 as well, I was so upset and got divorced with my husband. 3 months ago a friend of mine recommended me to an African herbalist Herbal Dr Omola , I explained everything that I have been passing through all these years to him and he encouraged me that I will be cured completely!. I ordered for his herbal exploit/protocol and used it accordingly to his direction and within 17 days of using the herbal medicine I was cured completely from my HSV-1 and HSV-2. I'm so relieved to say that I've not had even one outbreak and I was tested negative by my doctor. I'm feeling so great! from within and I truly endorse this product, it really works. His herbal medicine is very active and effective. You can contact the herbal doctor on email..... dr.omolaherbalhome@gmail.com WhatsApp him with +2348118116254

    ReplyDelete
  80. I’m so happy to testify of the good work of Dr. Balogun I suffered from Herpes virus since 2007 and I had frequent symptoms in my private area, after some time it will go away after using acyclovir drugs, then come back after some months. it was disheartening since i have been diagnosed, but after finding Dr. Balogun and his reviews i was convinced that he will definitely cure me and so i contacted and he told me how to get his medicine and using it for just 14 days and i will go and check up and first i said how can that be possible but i used his herbal medicine after making purchase and truly i used it and went for the test again, and my result came back negative. So I made it a task to share this good testimony on the internet so that those sick can benefit and get cured. What's App or call him on +2349064881054 or reach him on his email via; balogun.herbalsolutioncenter@gmail.com.  

    ReplyDelete
  81. My heart is filled with gratitude as I'm sharing my testimony to the entire universe on how herbal doctor oduntun cured me from herpes virus that has been spreading through my body, I suffered from herpes virus since 2007 I often see symptoms in my private area nd lips, anytime I use acyclovir drugs it will go away then return some months later. it was disheartening since i have been diagnosed but after finding herbalist oduntun and his reviews on instagram @herbalist_oduntun i was convinced that he meant be of great help to me so I contacted him to know more about his herbal products and how I can get it delivered to me here in Tajikistan,He then said that he will deliver the herbal  package to me through the ups delivery service with the address I will provide that is after preparing the medication with the roots and herbs ingredients he will purchase from the traditional market, so I keep faith believing that I can be cured completely with what comes from nature since it herbal medicine i took the risk and pay him the amount he requested to get the ingredients he started preparation as soon as I send him the money and submit my home address for the delivery today I'm so happy sharing this to the world  I'm panalle Isabella from central asia, for more information on how to get in touch with herbal doctor oduntun you can reach him on What'sApp:+2349039463501 or his (email:herbalistoduntun@gmail.com) I'm a living testimony stay safe and stay bless 🏼.

    ReplyDelete
  82. Good day to all viewer online am so happy sharing this great testimony on how i was checking for solution in the internet then miraculously i came Across Dr.Oba the powerful herbalist that Cure Numerous individuals Herpes Simplex Virus,so I contacted him base on the testimonies I?m seeing about him on the internet, I was cured too by him, kindly contact him actoday through his email he can help you email ; drobaspellhome902@gmail.com OR WHATSAPP +2348088337602 and so he can cure types of diseases like,HEPATITIS B,DIABETICS,CANCER,HPV,LOW SPERM CAM HIV/STDS FIBROSIS LOST OF WEIGHT .. all thank to you Dr Oba for your kindly help in my life

    ReplyDelete
  83. I want to tell everyone here that my husband is back home I can't believe my husband is back and he has stop to fill the divorce papers thank you DR.ODGIE for what you have done for me! for restore and bring peace to my home again my husband has stopped to fill the divorce papers after i contacted DR.ODGIE to help me stop the divorce with my husband and now things are going much better now. As DR.ODGIE said, all the process concerning the divorce have been cancelled and the evil woman that cause the problem in my home has be sent away and we are now happy together. I said it better for me to share this testimony and good work of DR.ODGIE with everyone here reach DR.ODGIE on his private email:drodgie6@gmail. com or WhatsApp number; {+2349039569667} to fix your marriage or relationship life.

    ReplyDelete
  84. Hello! I'm very excited to inform everyone that I'm completely cured from my HSV 1&2 recently. I have used Oregano oil, Coconut oil, Acyclovir, Valacyclovir, Famciclovir, and some other products and it's really help during my outbreaks but I totally got cured! from my HSV with a strong and active herbal medicine ordered from a powerful herbalist and it completely fought the virus from my nervous system and I was tested negative after 12 days of using the herbal medicine. I'm here to let y'all know that herpes virus has a complete cure, I got rid of mine with the help of Dr maggi and his herbal exploit. Contact him via email: drmaggiherbalhome@gmail.com call or whatsApp him on  +1(917) 979-6387.

    ReplyDelete
  85. Hello everyone out there. Dr Hope Herbal Medicine is a good remedy for Herpes Virus , I was a carrier of Herpes and I saw a testimony on how Dr.Hope cure Herpes Virus, I decided to contact him. I contacted him and he guided me. I asked him for solutions and he started the remedies for my health. After he finish he sent me the herbs which i took for 2 weeks before asking me to go for a check up and getting there i could not believe that i was confirm Herpes Negative after the test,Today i am so happy because i'm free from herpes disease with the help of Dr. Hope Thank God now everything is fine, I'm cured by Dr Hope herbal medicine, I'm very thankful to God for making it possible. you can reach him on his email, i strongly recommend him to any one out here looking for a cure, email him on drhope19922 @ gmail . com or call/whatsapp +2349065034447 He can also cure this virus
    (1)HIV
    (2)Hepatitis
    (3)Blood Cancer
    (4)Diabetes
    (5)Lupus
    (6)Shingles

    ReplyDelete
  86. I wake up everyday with a smile on my face and singing praises to this powerful spell caster called Dr, Okolo who has done me a great favor by rescuing my relationship from break up. I used to think that i have a perfect relationship till when my lover started coming home late and everyday he gives me different excuses then i decided to keep a close eye on him then i discovers that he was having an affair with another girl. I was heart broken because i trusted him so much and knowing that he has a secret relationship, hurts me a lot.. But i thank all those who placed the contact information of Dr, Okolo on the Internet because through that i have been able to contact Dr, Okolo and today my relationship has been restored with love and more romance. i never believed in till my husband came home begging that i should forgive him for all the wrong he did to me. its a testimony. i cant just say this without dropping the contact of the powerful spell caster that helped me. just message him directly on whatsapp now on +2347031895935 or better sill message him on his email address now drokolosolutioncenter@gmail.com He also cast spell such as

    DIVORCE SPELLS LOST LOVE SPELLS MARRIAGE SPELLS DEATH SPELS REVENGE SPELLS BINDING SPELLS BANISH PAST LOVER SPELLS BREAKUP SPELLSE.T.C 

    ReplyDelete
  87. I Want To Appreciate Dr.OYAGU for his great deeds, I Was Diagnosed With type 2 Herpes Virus Last year,And i Was Looking For Solution To Be Cured Luckily I Saw Testimonies On How Dr.OYAGU Cure Herpes Virus I Decided To Contact Dr.OYAGU I Contacted Him He Prepared A Herbal Medicine Portion And Sent It To Me,I Started The Herbal Medicine For My Health.He Gave Me Step By Step Instructions On How To Apply It, When I Applied It As Instructed, I Was Cured Of This Deadly Herpes Within 2 weeks, I Am Now Herpes Negative.My Brother And Sister I No That There Are So Many People That Have The Same Herpes Virus Please contact Dr OYAGU To Help You Too,And Help Me To Thank Dr.OYAGU For Cure Me, I’m Cured By Dr. OYAGU Herbal Medicine,His Contact Email:oyaguherbalhome@gmail.com
    Or Cell Whatsapp Number +2348101755322 thank you

    ReplyDelete
  88. Hello everyone out there. Dr.Oba Herbal Medicine is a good remedy for Herpes Virus , I was a carrier of Hiv and I saw a testimony on how Dr.Oba cure Hiv Virus, I decided to contact him, I contacted him and he guided me. I asked him for solutions and he started the remedies for my health. After he finish he sent me the herbs which i took for 2 weeks before asking me to go for a check up and getting there i could not believe that i was confirm Hiv Negative after the test,Today i am so happy because i'm free from hiv disease with the help of Dr.Oba Thank God now everything is fine, I'm cured by Dr.Oba herbal medicine, I'm very thankful to God for making it possible. you can reach him on his email, i strongly recommend him to any one out here looking for a cure . drobaspellhome902@gmail.com or call/whatsapp +2348088337602

    ReplyDelete
  89. Hello everybody,
     I just want to give this great testimony to the whole public about a great man who helped me out of a serious illness. I have had HSV-1 AND HSV-2 VIRUS for good 2 years now and I was almost going to the end of my life due to the illness. All I have in my mind is, let me just give up because life is not interesting for me any longer and i also pray that God should accept my soul when ever I’m gone luckily for me, my kid sister run to me that she found a doctor in the INTERNET who can cure HSV-1 AND HSV-2 VIRUS. She helped me out with everything, the man asked for my details so he can prepare herbal medicine for me. After he was done consulting on my details he told me how my medicine will be prepare, after he was done preparing my medicine he sent me my medication via DHL courier delivery and after using it for 21 days, i later started noticing something different in my blood so I went for my HSV-1 AND HSV-2 VIRUS test and I was tested Negative, I’m so happy that I can say I’m not a patient of HSV-1 AND HSV-2 anymore. If you have HSV-1 AND HSV-2 or any sickness,HIV/AID,HPV,CANCER,HEPATITS B DIABETES ALS,PENIS ENLARGEMNT please for your safety, contact DR.HAZIM VIA email address (usmandrhazim@gmail.com) or whats APP number +2349058026857   

    ReplyDelete
  90. I can’t believe this. A great testimony that i must share to all HERPES SIMPLEX VIRUS patient in the world i never believed that their could be any complete cure for Herpes or any cure for herpes,i saw people’s testimony on blog sites of how dr Ero prepare herbal medicine that cure and brought them back to life again. i had to try it too and you can,t believe that in just few weeks i started using it all my pains stop gradually and i had to leave without the pills the doctor gave to me. Right now i can tell you that few months now i have not had any pain,delay in treatment leads to death. Here is his email:(wealthylovespell@gmail.com) whatsapp him with +2348105150446 visit blog http://wealthyspellhome.over-blog.com

    ReplyDelete
  91. I have been suffering from Herpes for the past 3 years and 8 months, and ever since then i have been taking series of treatment but there was no improvement until i came across testimonies of Dr momoh on how he has been curing different people from different diseases all over the world, then i contacted him as well. After our conversation he sent me the medicine which I took according to his instructions. When i was done taking the herbal medicine i went for a medical checkup and to my greatest surprise i was cured from Herpes. My heart is so filled with joy. If you are suffering from Herpes or any other disease you can contact Dr momoh today on this Email address: dr.momoh9@gmail.com or WhatsApp him on this Tell.Number +2347083724098  ....Dr.momoh also cures: 1. HIV / AIDS 2. HERPES 1/2 3. CANCER 4. ALS (Lou Gehrig's disease) 5. Hepatitis B 6. chronic pancreatic 7. emphysema 8. COPD (chronic obstructive pulmonary disease)

    ReplyDelete
  92. Hey , i am super excited today. I saw comments from people who had already received a loan from LAPO M-F and then I decided to apply based on popular recommendations and only a few hours ago I confirmed a total amount of 50,000 euro in my accoun. This is really great news and I advise anyone who needs a real loan to apply through their email: lapofunding960@gmail.com

    ReplyDelete
  93. Hey , i am super excited today. I saw comments from people who had already received a loan from LAPO M-F and then I decided to apply based on popular recommendations and only a few hours ago I confirmed a total amount of 50,000 euro in my accoun. This is really great news and I advise anyone who needs a real loan to apply through their email: lapofunding960@gmail.com

    ReplyDelete
  94. I’m Blessing by name, i was diagnosed with Herpes virus for 3 years, i lived in pain with the knowledge that i wasn’t going to ever be well again i contacted so many herbal doctors on this issue and wasted a large sum of money but my condition never got better i was determined to get my life back so one day i saw Mr Brown post on how Dr Akuza saved him from the VIRUS with herbal medicine i contacted Dr Akuza. on his email address  (drakuzasolutioncenter@gmail.com)  we spoke on the issue i told him all that i went through and he told me not to worry that everything will be fine again so he prepared the medicine and send it to me through courier service and told me how to use it, after 14 days of usage I went to see the doctor for test, then the result was negative, am the happiest woman on earth now. This testimony is real. thanks to Dr Akuza. God bless you. you can also reach him on his whatsApp number +2348072437003.,  

    ReplyDelete
  95. Am fabulous Kingsley by name, i was diagnosed with Herpes 4 years ago i lived in pain with the knowledge that i wasn't going to ever be well again i contacted so many herbal doctors on this issue and wasted a large sum of money but my condition never got better i was determined to get my life back so one day i saw Mr. Mark post on how Dr ibhafidon saved him from the VIRUS with herbal medicine i contacted Dribhafidon96@gmail.com we spoke on the issue i told him all that i went through and he told me not to worry that everything will be fine again, so he prepared the medicine and send it to me and told me how to use it, after 14 days of using it, i went to see the doctor for test. Then the result was negative, am the happiest Man on earth now thanks to Dr. ibhafidon for saving my life, you can also contact him on Dribhafidon96@gmail. com or WhatsApp on (+2348152228377) or visit his Facebook page https://www.facebook.com/Dr-ibhafidon-herbal-home-111213503612136/God bless you..

    ReplyDelete
  96. It's a miracle that I am alive today. I encounter HERPES SIMPLEX VIRUS (HSV1/2) for good four (4) years, six (6) months and twelve (12) day with my calculations, before I meet the great Dr. Frank Erumusele. I am agent Smith from Georgia and I worship from SANTA'S Temple united state of America and I was affected with herpes virus.Herpes is a viral infection cause by the Herpes simplex virus, marked by painful, watery blister in the skin or mucous membrane or on the genitals. This was what I suffered for good four years. I have visited CVS Pharmacy in Fresno for treatment but no improvement. Until a friend of mine from Kenya agent William give me Dr Frank Erumusele contact than i give a try it was Good fearing man and explain everything to me the way i would understand while and i also searching for herpes cure I read a testimony about his work. I give a full try now it has becomes a testimony in my life. I only know one illness which is the one i was facing before and i know if you have any problem in life  contacted Dr.Frank Erumusele WhatsApp  +2347083231497     or E-mail: drerumuselecliniccenter@gmail.com  him will help you out trust him and do what him ask from you. You can contact me at smithsantastemple666@gmail.com that is my temple email you can also contact me on Whatsapp +17068042665 for proven alright.

    ReplyDelete
  97. HOW I GOT CURED OF HERPES DISEASE
    I'm here to testify about what DR. OSO did for me. I have been suffering from (HERPES) disease for the past 5 years and had constant pain,especially inside my body. During the first year,I had faith in God that I would be healed someday. This disease started circulating all over my body and I have been taking treatment from my doctor, few weeks ago I came across a testimony of one lady on the internet testifying about a Man called DR. OSO on how he cured her from herpes disease. And she also gave the email address of this man and advised anybody to contact him for help for any kind of sickness that he would be of help.so I emailed him telling him about my (HERPES) he told me not to worry that i was going to be cured!! Well I never believed it,, well after all the procedures and remedies given to me by this man few weeks later i started experiencing changes all over me as DR. OSO assured me that I will be cured,after some time. I went to my doctor to confirm if I had finally healed Behold, it was TRUE,the test came out negative. So friends my advice is if you have such sickness or any other at all you can contact DR. OSO for help.

    Email} drosohaberhome@gmail.com 

    WhatsApp /call +2348162084839   

    https://sites.google.com/view/drosohaberhome/


    you can also email me for more information about DR oso via smithmorgan2777@gmail.com ALL THANK TO DR OSO ................  

    ReplyDelete
  98. Hello! I'm very excited to inform everyone that I'm completely cured from my HSV 1&2 recently. I have used Oregano oil, Coconut oil, Acyclovir, Valacyclovir, Famciclovir, and some other products and it's really help during my outbreaks but I totally got cured! from my HSV with a strong and active herbal medicine ordered from a powerful herbalist and it completely fought the virus from my nervous system and I was tested negative after 12 days of using the herbal medicine. I'm here to let y'all know that herpes virus has a complete cure, I got rid of mine with the help of Dr maggi and his herbal exploit. Contact him via email: drmaggiherbalhome@gmail.com call or whatsApp him on  +1(917) 979-6387.

    ReplyDelete
  99. Hello! I'm very excited to inform everyone that I'm completely cured from my HSV 1&2 recently. I have used Oregano oil, Coconut oil, Acyclovir, Valacyclovir, Famciclovir, and some other products and it's really help during my outbreaks but I totally got cured! from my HSV with a strong and active herbal medicine ordered from a powerful herbalist and it completely fought the virus from my nervous system and I was tested negative after 12 days of using the herbal medicine. I'm here to let y'all know that herpes virus has a complete cure, I got rid of mine with the help of Dr maggi and his herbal exploit. Contact him via email: drmaggiherbalhome@gmail.com call or whatsApp him on  +1(917) 979-6387.

    ReplyDelete
  100. Thanks for sharing this wonderful information. View this also - professional beauty supply near me

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  101. I Want To Appreciate Dr. momoh for his great deeds, I Was Diagnosed With Herpes Virus Last 2018, And i Was Looking For Solution To Be Cured Luckily I Saw Testimonies On How Dr. momoh Cure Herpes Virus I Decided To Contact Dr. momoh I Contacted Him He Prepared A Herbal Medicine Portion And Sent It To Me,I Started The Herbal Medicine For My Health.He Gave Me Step By Step Instructions On How To Apply It, When I Applied It As Instructed, I Was Cured Of This Deadly Herpes Within 2 weeks, I Am Now Herpes Negative.My Brother And Sister I Know That There Are So Many People That Have The Same Herpes Virus Please contact Dr momoh To Help You Too, And Help Me To Thank Dr. momoh For Curing Me, I’m Cured By Dr. momoh Herbal Medicine, His Contact Email:(dr.momoh9@gmail.com) Or Cell Whatsapp Number +234 708 372 4098   thank you so much DR.momoh. He can also cure other diseases/infections     

    ReplyDelete
  102. I have lost so much through investing because I was new and didn't know how to manage my investment account. I was at the verge of quitting till I was introduced to Mr Carlos Gomez and he introduced me to nexo investments, where all my investment was managed appropriately without losses and since then, my story has changed. It's worth a try. I can testify in this platform that nexo investment is the best platform to have an asset with.  click on the link to connect with him👇👇👇  via instagram @ricardo_smcarlos or telegram/whatsapp: +12137851553 email: richardosmcarlos@gmail.com

    ReplyDelete
  103. Search engine optimization is the process of growing the quality and quantity of website traffic by improving the visibility of a website or web page for the web search engine users. SEO refers to the increase in the unpaid results and does not include direct traffic and purchases paid placement.

    ReplyDelete
  104. I thought my life had nothing to offer anymore because life became meaningless to me because I had HERPES virus, the symptoms became very severe and bold and made my family run from and abandoned me so they won't get infected. I gave up everything, my hope, dreams,vision and job because the doctor told me there's no cure. I consumed so many drugs but they never cured me but hid the symptoms inside me making it worse. I was doing some research online someday when I came across testimonies of some people of how DR omohan cured them from HERPES virus, I never believed at first and thought it was a joke but later decided to contact him on the details provided and when I messaged him we talked and he sent me his herbal medicine and told me to go for a test after two weeks. Within 9 days of medication the symptoms disappeared and when I went for a test Lo and behold I was NEGATIVE by the Doctor Who tested me earlier. Thank you DR omohan because I forever owe you my life and I'll keep on telling the world about you. If you are going through same situation worry no more and contact DR omohan via dromohanherbalmedicine@gmail. com or WhatsApp him via +2348164816038                                                                             https://www.fb.com/dromohanherbalmedicin         

    ReplyDelete
  105. I have been suffering from Herpes for the past 3 years and 8 months, and ever since then i have been taking series of treatment but there was no improvement until i came across testimonies of Dr WISKID ORORO on how he has been curing different people from different diseases all over the world, then i contacted him as well. After our conversation he sent me the medicine which i took according to his instructions. When i was done taking the herbal medicine i went for a medical checkup and to my greatest surprise i was cured from Herpes. My heart is so filled with joy. If you are suffering from Herpes or any other disease you can contact Dr WISKID ORORO today on his WhatsApp him on +2348078467513 or Email: drwiskid.spellcaster@yahoo.com Dr. WISKID ORORO also cures: 1. HIV / AIDS 2. HERPES 1/2 3. CANCER 4. ALS (Lou Gehrig's disease) 5. Hepatitis B 6. chronic pancreatic 7. emphysema 8. COPD (chronic obstructive pulmonary disease website: www.herbalhome247.wixsite.com/mysite

    ReplyDelete
  106. It’s a pleasure for me to write this testimony about how I got my Genital Herpes cured a month ago. I have been reading so many comments of some people who were cured from various diseases by Dr.Alabi, but I never believed them. I was hurt and depressed so I was too curious and wanted to try Dr.Alabi, then I contacted him through his email. When I contacted him, he assured me 100% that he will heal me, I pleaded with him to help me out. My treatment was a great success, he healed me just as he promised. He sent me his medication and asked me to go for check up after 2 weeks and 4 days of taking the medication. I agreed with him. I took this medication and went for a check up after 2 weeks and 4 days of the treatment, To my greatest surprise my result came out  negative after the treatment, I’m very happy that I was cured and healthy again. I waited for 3 weeks to be very sure if I was completely healed before writing this testimony. I did another blood test one week ago and it was still Herpes negative. so i guess its time i recommend anyone going through Herpes, HSV-1 or HSV-2, HIV, HPV, Hepatitis B, Diabetes, Cancer, ALS  to contact this great man through his Email (dr.alabiherbalhome@gmail.com) OR add him up on whatsApp +2348115204568 You can as well go through his website https://dralabiherbalhome.wixsite.com/welcomedralabiherbalThanks Doctor Alabi.

    ReplyDelete
  107. I'm 61 years old, I contracted hpv in 2011' I has be taking lot treatment for it and embarrassed some months ago the wart stated coming out seriously, I used lot recommendation because there was lot warts around my anus and was so . but today I'm totally happy I got the virus eliminated by using natural treatment from Dr Onokun herbal center after his treatment I got cured. all the warts went away' seriously believed Dr Onokun he have the cure for human papillomavirus because he has eliminated hpv been in my body since 2011, Dr Onokun make it possible for me. Here is Dr Onokun email: dronokunherbalcure@gmail.com or website: https:// Dronokunherbalcure.wordpress.com/ page at: https://www.facebook.com/naturaltreatmentcenter1 he is welled capable of curing terrible diseases....... 

    ReplyDelete
  108. I have been suffering from Herpes for the past 3 years and 8 months, and ever since then i have been taking series of treatment but there was no improvement until i came across testimonies of Dr Sayo on how he has been curing different people from different diseases all over the world, then i contacted him as well. After our conversation he sent me the medicine which i took according to his instructions. When i was done taking the herbal medicine i went for a medical checkup and to my greatest surprise i was cured from Herpes. My heart is so filled with joy. If you are suffering from Herpes or any other disease you can contact Dr Sayo today on this Email address: (sayoherbalhealer@gmail.com) or WhatsApp him on this Tell.Number +2349012175679 Visit his FB page: https://www.facebook.com/Sayo-Herbal-Healer-100145798345000/    also visit website: http://sayoherbalhealinghome.com/ or check blogs: https://naturerootandherbscures.blogspot.com/

    ReplyDelete

  109. I'm 40 years old female I tested genital herpes (HSV1-2) positive in 2002. I was having bad outbreaks. EXTREMELY PAINFUL. I have try different kinds of drugs and treatment by the medical doctors all to know was avail. Six months ago I was desperately online searching for a helpful remedies for genital herpes (HSV1-2) cure, which i come across some helpful remedies on how Dr OYAGU have help so many people in curing genital herpes (HSV1-2) with the help of herbal treatment because I too believe there is someone somewhere in the world who can cure herpes completely. At of the past 2 months, however, I've been following his herpes protocol Via oyaguherbalhome@gmail.com or +2348101755322 and it stopped all outbreaks completely! To my greatest surprise I was cured completely by following the protocol of his herbal medicine . Don't be discouraged by the medical doctors. There is a cure for HSV with the help of herbs and roots by a herbalist Dr call Dr OYAGU he is so kind and truthful with his herbal treatment, kindly contact him for more information Via oyaguherbalhome@gmail.com or WhatsApp DR on +2348101755322 you will be lucky as i am today

    ReplyDelete
  110. My herpes is cured and it’s miracle healing. Thanks to Dr.Alika who cured my Genital Herpes I was depressed when the doctor told me that I have been diagnosed with Herpes disease… I thought about my Family, I know my Family will face a serious problem when I’m gone, I lost hope and I wept all day, but one day I was searching the internet I found Dr Alika contact number called him and he guided me. I asked him for solutions and he started the remedies for my health. Thank God, now everything is fine, I’m cured by Dr.Alka medicine, I’m very thankful to Dr.Alika and very happy with my hubby and family.or you can also reach him through email:dralikaherbalhome@gmail.com or Whats App number+2348116570358

    ReplyDelete
  111. I'm very happy to share this little awesome testimony about Dr AZIBA a great Herbal Doctor who helped me Enlarge my Penis size from .3.2 inch to 8.3 inch longer with his African Herbal Product mixture. my wife is so amazed with the autonomous size of my penis. if you are in need of help to enlarge your Penis to Bigger and Thicker size, I advice you to contact Dr Aziba on his Personal Email Address ( PRIESTAZIBASOLUTIONCENTER@GMAIL COM ) or contact him on whatsapp Chat +2348100368288 his one of the best African Herbal doctor recommended to help you with the best and effective Herbal Product to enlarge your penis from as smaller as 2.2 inch to 9.2 inch within two weeks of use, Dr AZIBA is also specialized on the solution to LOW SPERM COUNT. i advise you to contact him for help. DR AZIBA whatsapp number +2348100368288...

    ReplyDelete
  112. God bless Dr. Agbomina for his marvelous work in my life, I was diagnosed of HERPES since 2018 and I was taking my medications, I wasn't satisfied i needed to get the HERPES out of my system, I searched out some possible cure for HERPES i saw a comment about Dr. Agbomina, how he cured HERPES, DIABETES, HIV and CANCER with his herbal medicine, I contacted him and he guided me. I asked for solutions, he started the remedy for my health, he sent me the medicine I took the medicine as prescribed by him and 14 days later i was cured from HERPES, Dr. agbomina truly you are great, do you need his help also? Why don’t you contact him through his EMAIL: dragbonherbalmedicine@gmail.com or message him on whats-app +2348050495479, Instagram :- #dr_agbomina

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  113. I contracted hpv from my ex partner we broke up the relationship about four years ago, I has been on treatment for some years, I had lot pains and embarrassment for been hpv patient last two month i did hpv research online and found website for natural treatment to get ride of my infection, and i went through the site and recommend me to Dr onokun I contacted Dr onokun through his website and been his patient after one month I got cured. I want everyone living with hpv to get this treatment and got cured Dr onokun have the cure to every virus. his email; Dronokunherbalcure@gmail.com or his website www.Dronokunherbalcure.wordpress.com or https://www.facebook.com/naturaltreatmentcenter1  

    ReplyDelete
  114. It seems that I am in another world, I really thank you wholeheartedly. You are an inspiration for today's people
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  115. CURED FROM GENITAL HERPES VIRUS AFTER USING DOCTOR HAZIM HERBAL MEDICINE 
    Herbal supplements have existed for thousands of years and can be traced over several different cultures. For now. Herbs are now used to cure diabetics, herpes, chronic pain, asthma,hepatitis b, cancer , ALS , Ovarian Cyst and even  GENITAL HERPES. I like herbs so much. Most of the time, the injection and the drug are only a loss of duration. I was cured of GENITAL HERPES  last year with the use of herbs, I suffered from GENITAL HERPES  for 13 years, but with the help of DR. Hazim Usman  Herbal Medicine, I was cured in a few weeks of using the herbs he sent me by UPS Service Delivery. I don't know the kind of health problem you are facing right now, but I assured you that you will be cured if you contact Dr. Hazim Usman and explain your problem to him, that the issues will resolve in a few weeks , contact Dr. Hazim Usman via his e-mail address:-----( usmandrhazim@gmail.com )-----or reach him via
     WHATSAP number---( +2349058026857)---

    ReplyDelete
  116. I'm giving a testimony about DR Maggie. the great Herbalist, he has the cure to all manner of diseases, he cured my herpes simplex virus, though I went through different website I saw different testimonies about different spell casters and herbalist, I was like: 'Many people have the herpes simplex virus cure why are people still suffering from it?' I though of it, then I contact DR Maggie via email, I didn't believe him that much, I just wanted to give him a try, he replied my mail and Needed some Information about me, then I sent them to him, he prepared it (CURE) and sent it to me through UPS  Courier Service for delivery, he gave my details to the Courier Office, they told me that 2-3 days I will receive the parcel and i took the medicine as prescribed by him and I went for check-up 2weeks after finishing the medicine, I was tested herpes simplex virus negative, if you are herpes simplex virus patient do me a favor by you contacting him and I assure anyone who is suffering it,your problem will never remain thesame again you will be cured. will ever remain grateful to you sir indeed mighty work you did for me. When you contact him, make sure you tell him that I refer you.. contact him via drmaggieherbalhome82@gmail.com or whatsapp on +14097946086  








    I'm giving a testimony about DR Maggie. the great Herbalist, he has the cure to all manner of diseases, he cured my herpes simplex virus, though I went through different website I saw different testimonies about different spell casters and herbalist, I was like: 'Many people have the herpes simplex virus cure why are people still suffering from it?' I though of it, then I contact DR Maggie via email, I didn't believe him that much, I just wanted to give him a try, he replied my mail and Needed some Information about me, then I sent them to him, he prepared it (CURE) and sent it to me through UPS  Courier Service for delivery, he gave my details to the Courier Office, they told me that 2-3 days I will receive the parcel and i took the medicine as prescribed by him and I went for check-up 2weeks after finishing the medicine, I was tested herpes simplex virus negative, if you are herpes simplex virus patient do me a favor by you contacting him and I assure anyone who is suffering it,your problem will never remain thesame again you will be cured. will ever remain grateful to you sir indeed mighty work you did for me. When you contact him, make sure you tell him that I refer you.. contact him via drmaggieherbalhome82@gmail.com or whatsapp on +14097946086  










    I'm giving a testimony about DR Maggie. the great Herbalist, he has the cure to all manner of diseases, he cured my herpes simplex virus, though I went through different website I saw different testimonies about different spell casters and herbalist, I was like: 'Many people have the herpes simplex virus cure why are people still suffering from it?' I though of it, then I contact DR Maggie via email, I didn't believe him that much, I just wanted to give him a try, he replied my mail and Needed some Information about me, then I sent them to him, he prepared it (CURE) and sent it to me through UPS  Courier Service for delivery, he gave my details to the Courier Office, they told me that 2-3 days I will receive the parcel and i took the medicine as prescribed by him and I went for check-up 2weeks after finishing the medicine, I was tested herpes simplex virus negative, if you are herpes simplex virus patient do me a favor by you contacting him and I assure anyone who is suffering it,your problem will never remain thesame again you will be cured. will ever remain grateful to you sir indeed mighty work you did for me. When you contact him, make sure you tell him that I refer you.. contact him via drmaggieherbalhome82@gmail.com or whatsapp on +14097946086  

    ReplyDelete
  117. Hello everybody, I just want to give this great testimony to the whole public about a great man who helped me out of a serious illness. I have had HSV-1 AND HSV-2 VIRUS for good 2 years now and I was almost going to the end of my life due to the illness. All I have in my mind is, let me just give up because life is not interesting for me any longer and i also pray that God should accept my soul when ever I’m gone luckily for me, my kid sister run to me that she found a doctor in the INTERNET who can cure HSV-1 AND HSV-2 VIRUS. She helped me out with everything, the man asked for my details so he can prepare herbal medicine for me. After he was done consulting on my details he told me how my medicine will be prepare, after he was done preparing my medicine he sent me my medication and after using it for 7 days i later started noticing something different in my blood so I went for my HSV-1 AND HSV-2 VIRUS test and I was tested Negative, I’m so happy that I can say I’m not patient of HSV-1 AND HSV-2 anymore. If you have HSV-1 AND HSV-2 or any sickness,HIV/AID,HPV,CANCER,HEPATITS B DIABETES ALS,PENIS ENLARGEMNT please for your safety, contact DR.HAZIM VIA email address (usmandrhazim@gmail.com) or whats APP number +2349058026857  

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  118. Thanks dr jumba you promised and you did it god almighty will continue to bless you as you help people reunite their broken relationship and broken marriages .  I never thought I will smile again, My husband left me with two kids for one year, All effort to bring him back failed I thought I'm not going to see him again not until I met a lady called rose who told me about a spell caster called DR jumba, She gave me his email address and mobile number and I contacted him and he assured me that within 48hours my husband will come back to me, In less than 48hours my husband came back started begging for forgiveness saying it is the devils work, so I'm still surprise till now about this miracle,i couldn't conceive but as soon as the spell was cast,i became pregnant and gave birth to my third child,if you need any assistance from him you can contact him via: email:  wiccalovespelltools@gmail.com  or Call/WhatsApp him:  +19085174108  BLOG : https://wiccaspelltools.blogspot.com/  
    WEBSITE:  drjumbaspellhome.wordpress.com 

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  119. Can't still believe that i got cured from Genital Herpes through herbal treatment from Dr maggi who I met through the internet, I actually couldn't believe it at first because it sounded impossible to me knowing how far I have gone just to get rid of it. Dr maggi send me his medicine which I took as instructed and here I am living a happy life once again, a big thanks to Dr maggi, I am sure there are many herbal doctors out there but Dr maggi did it for me, contact him drmaggiherbalhome@gmail.com , also call or whatsApp him on +1(917) 979-6387.

    ReplyDelete
  120. My husband changed dramatically towards me, doesn’t communicate anymore.He disrespects me and accuses me falsely of infidelity because of wicked gossip …but I’m simply AMAZED at the results of Dr. Todd who did reunion love spell for me. Everything is going so well and EXACTLY how he said it would be. Even though it took 3 days to fully progress, it was so worth it because things are just about at perfection! How he took my situation and completely turned it around to give me exactly what I wanted is beyond me, but something I will never question and just be completely grateful, God Bless Dr.Todd for turning sorrow happiness. Dr.Todd's contact; manifestspellcast@gmail.com
    https://manifestspellcast.wordpress.com
    http://manifestspellcast.blogspot.com
    WhatsApp:+1 604 901 9747

    ReplyDelete
  121. The simple truth about binary options which many of us do not know is the fact that it is mainly based on predictions. Without proper knowledge of what next can happen to the stock market, you are sure to lose your funds. That is why it is important to be tutored or mentored by a professional trader in binary options. During the few days of being mentored by Mrs Doris Ashley I've learnt much and also succeeding in trades and have been doing successful withdrawals and was able to recover all my lost funds. Feel free to contact her on Dorisashley52@gmail. com or whatsapp her +1 (516) 494 0313.for positive results   

    ReplyDelete
  122. Hi viewers online, I'm Alfonso Vázquez from Mexico. I'm here to share my testimony about how i was helped to get my wife back. I was a cheat and my wife caught me several times. I tried fixing myself and each time i ended up cheating over and over again. I guess i didn't realise what she meant to me until she had left me alone. I began to find a way to get her back but nothing seems to work out perfectly till i came across an article about Lord Zakuza who helped a lot of people globally to get their relationships back. I made contact with him on his WhatsApp number via +1 740-573-9483 and he assured me that my wife will come back to me within 48 hours with his powerful magics and i paid 410 Euros for the materials needed for the work. Surprisingly, my wife came back home after 2 days saying that she still loves me and i swore never to cheat on her anymore. All thanks to Lord Zakuza. Email him via ( lordzakuza7@gmail.com ) or WhatsApp number via +1 740-573-9483.

    ReplyDelete
  123. I GOT RID OF HERPES WITH Dr CHO-CHA MEDICINE   I am  Joel, from the United States. I saw several comments on blog sites and Facebook pages on how Dr CHO-CHA cures people from herpes. After reading their article, I decided to order for Dr CHO-CHA medicine which I received within 5 working days. I used the medicine for a few days and my outbreak stopped totally, and my herpes genital was gone completely. I went to the hospital for a test and the doctor confirmed my herpes was negative. I am sharing this story for a herpes patient to know there is a cure for herpes. Here is Dr CHO-CHA email (chochaherbalarenaforhealing@gmail.com) his product is guaranteed 

    ReplyDelete
  124. I was heartbroken because I had a very small penis, not nice to satisfy a woman, I had so many relationships cut off because of my situation, I have used so many products which i found online but none could offer me the help I searched for. I saw some comments about this specialist called Dr Moses Buba and decided to email him at buba.herbalmiraclemedicine@gmail.com so I decided to give his herbal product a try. i emailed him and he got back to me, he gave me some comforting words with his herbal pills for Penis Enlargement, Within 14 days of it, i began to feel the enlargement of my penis, " and now it just 2 weeks of using his products my penis is about 9 inches longer and i am so happy, contact DR Moses Buba now via email buba.herbalmiraclemmedicine@gmail.com or his Whatsapp number +2349060529305 or call me for more details +15019914802 . may God reward you for your good work.
    HE ALSO RENDER THE FOLLOWING ........1. BRING YOUR EX BACK........... 2. LOTTERY SPELL......... 3. PREGNANCY SPELL ..........4. WEAK ERECTION ............5. POOR EJACULATION.............

    ReplyDelete
  125. Its a great pleasure for me to write this testimony about how i got my Genital Herpes cured a month ago. i have been reading so many comments of some people who were cured from various diseases by Dr Aza but i never believed them. I was hurt and depressed so I was too curious and wanted to try DR. Aza then i contacted him through his email, he assured me 100% that he will heal me, i pleaded with him to help me out. My experience with him was great, he healed me just as he promised. he sent me his medication and ask me to go for a medical check up after two weeks of usage. i agreed with him i took this medication and went for a check up, to my greatest surprise my result was negative, i am really happy that i am cured and healthy again. I have waited for 3weeks to be very sure i was completely healed before writing this testimony. I did another blood test one week ago and it was still Herpes negative. so i guess its time i recommend anyone going through the same way. reach him through his email address: drazaherbalcenter@gmail.com OR call, add him on Whatsapp +1(315) 795 1518

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  126. I'm 40 years old female I tested genital herpes (HSV1-2) positive in 2002. I was having bad outbreaks. EXTREMELY PAINFUL. I have try different kinds of drugs and treatment by the medical doctors all to know was avail. Six months ago I was desperately online searching for a helpful remedies for genital herpes (HSV1-2) cure, which i come across some helpful remedies on how Dr OYAGU have help so many people in curing genital herpes (HSV1-2) with the help of herbal treatment because I too believe there is someone somewhere in the world who can cure herpes completely. At of the past 2 months, however, I've been following his herpes protocol Via oyaguherbalhome@gmail.com or +2348101755322 and it stopped all outbreaks completely! To my greatest surprise I was cured completely by following the protocol of his herbal medicine . Don't be discouraged by the medical doctors. There is a cure for HSV with the help of herbs and roots by a herbalist Dr call Dr OYAGU he is so kind and truthful with his herbal treatment, kindly contact him for more information Via oyaguherbalhome@gmail.com or WhatsApp DR on +2348101755322 you will be lucky as i am today

    ReplyDelete
  127. NATURAL HERBS  AND REMEDIES FOR CURING HIV, HERPES, HPV, HSV1&2, CANCER AND DIABETES I just experienced the wonders of Dr. Kham herbs. God will continue to bless you Dr. Kham more abundantly for the good work you are doing in people's life by curing them from different types of diseases. I will keep on testifying about your good work. I was diagnosed with herpes 6 months ago and my doctor told me that there is no cure. I did not believe him and I keep my faith up hoping that one day I will be cured from this horrible disease. One day I saw a post on the Herpes Virus Blog forum about a herbal doctor called Dr. Kham on how he cures people from diseases with his herbs and I quickly contacted Dr. Kham on his email explained my problem to him and he told me not to worry that he is going to cure me and truly he prepared the cure and sent it to me through UPS and gave me instructions on how to take it. After two weeks of taking the herbal Medication, I went to my doctor for a checkup and my results showed Negative and my doctor told me that there is no trace of herpes in my body and the virus is completely gone from my body. Everybody at the clinic rejoices with me and they all ask for Dr. Kham contact. You can contact Dr. Kham on his email: dr.khamcaregiver@gmail.com or add whats-app +2348159922297  and you can get in touch with him on his website: drkhamherbalhealingcenter.wordpress.com/   or https://drkhamcaregiver.wixsite.com/drkhamcaregiverherba , He also have herbs medicine to cured the following diseases: [eczema], [urethra wart], [chronic problems], [Herpes], [Cancer], [Als], [Hepatitis], [Diabetes], [HPV], [Infertility/PCOS Infections] , [ulcer  ETC......

    ReplyDelete
  128. I'm 40 years old female I tested genital herpes (HSV1-2) positive in 2002. I was having bad outbreaks. EXTREMELY PAINFUL. I have try different kinds of drugs and treatment by the medical doctors all to know was avail. Six months ago I was desperately online searching for a helpful remedies for genital herpes (HSV1-2) cure, which i come across some helpful remedies on how Dr OYAGU have help so many people in curing genital herpes (HSV1-2) with the help of herbal treatment because I too believe there is someone somewhere in the world who can cure herpes completely. At of the past 2 months, however, I've been following his herpes protocol Via oyaguherbalhome@gmail.com or +2348101755322 and it stopped all outbreaks completely! To my greatest surprise I was cured completely by following the protocol of his herbal medicine . Don't be discouraged by the medical doctors. There is a cure for HSV with the help of herbs and roots by a herbalist Dr call Dr OYAGU he is so kind and truthful with his herbal treatment, kindly contact him for more information Via oyaguherbalhome@gmail.com or WhatsApp DR on +2348101755322 you will be lucky as i am today

    ReplyDelete
  129. My heart was falling apart, my emotions were dying slowly, i was gradually losing my beauty, All because the man I got married to 4 years back was no longer the same man again, he started going out with women, drinking in all the bar, all he was saying was we need to get a divorce ASAP that I look old to him, I cried my life, i begged him yet all he was saying was the same divorce, now until I found how people were talking about a love doctor who has helped so many people to get their lovers back so I made no hesitation to contact him via his WhatsApp (+234 708 372 4098 ) and also wrote a mail to him on his Email: (dr.momoh9@gmail.com) before I finished telling him my problems, he already told me all about my life, I was very surprised, and he told me what to do in the process for the love spell and in less than 48 hours everything was ready, he sent me a package and I did as he said so at night I was on my bed sleeping when I saw my husband kneeling down at my front begging for me to forgive him, I thought it was a dream till today, I am so grateful to you DR,MOMOH .I urge anyone going through problems to contact DR,MOMOH for solution before it become too late.

    (1) LOTTERY SPELL
    (2) HERPES/HEPATITIS HERBAL CURE
    DR,IFADE Email:dr.momoh9@gmail com
    DR,IFADE WhatsApp:+234 708 372 4098 
    DR,IFADE Website  https://drmomoh32.wixsite.com/mysite  

    ReplyDelete
  130. I’m so happy to testify of the good work of Dr CHO-CHA I Suffer from Herpes virus since 2007 and i had frequent symptoms in my private area, after some time it will go away after using acyclovir drugs, then come back after some months. it was disheartening since i have been diagnosed, but after finding Dr CHO-CHA and his reviews i was convinced that he will definitely cure me and so i contacted and he told me how to get his medicine and using it for just 14 days and i will go and check up and first i said how can that be possible but i used his herbal medicine after making purchase and truly i used it and went for the test again, and my result came back negative. so i made it a task to share this good testimony in the internet so that those sick can benefit and get cured.Email:(chochaherbalarenaforhealing@gmail.com)

    ReplyDelete
  131. God bless Dr. Odion for his marvelous work in my life, I was diagnosed of HERPES since 2018 and I was taking my medications, I wasn't satisfied i needed to get the HERPES out of my system, I searched out some possible cure for HERPES i saw a comment about Dr. Odion, how he cured HERPES,DIABETES,HIV,and CANCER with his herbal medicine, I contacted him and he guided me. I asked for solutions, he started the remedy for my health, he sent me the medicine I took the medicine as prescribed by him and 14 days later i was cured from HERPES, Dr. Odion truly you are great, do you need his help also? Why don’t you contact him through his EMAIL: drodionherbalhome12@gmial.com call or whatsApp him on +2349019421176

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  132. I am here to share testimony on how Dr Ojamo herbal remedy cured me from herpes I have been suffering from herpes for more than 2 year until I met a friend who directed me to Dr Ojamo i had doubts at first but now I am a living testimony, after taken the herbs he gave to me l started having some changes within my body and now I am totally
    cured from herpes He also have cure for any kind of
    diseases and infection cotact him today and save your self, god bless you Dr Ojamo, you can reach him on whatsapp +2349077406037 or email him at dr.ojamoherbalhome@gmail.com

    ReplyDelete
  133. HAVING A BIG PENIS MAKES YOU FEEL COMFORTABLE DURING SEX BECAUSE YOU NO THAT YOUR WOMAN IS SATISFIED WITH YOUR BANANA AND SHE IS HAPPY EVERY TIME YOU HAVE SEX WITH HER, waste no time any more make your penis big enough for your woman and make her happy like every other woman out there, Doctor Aziba product are 100 %guarantee with no side effects Doctor Aziba or what's app@+2348100368288 or Email PRIESTAZIBASOLUTIONCENTER@GMAIL.COM

    ReplyDelete
  134. Ontdek onze AVH Outdoor collectie! - Tuinmeubelsale.nl - AVH Outdoor In de wereld van tuinmeubels vind je vele fabrikanten terug.

    AVH Outdoor

    ReplyDelete
  135. What's the Back Story in 2020
    What's the Back Story in 2020

    Carlos Hardy is an Author and Mentor. He has written 5 books that are available on Amazon/Apple books. What’s the Back story is a show created by Carlos, to help YOU create that book you’ve always imagined. Each episode will provide simple steps in helping you to create that best seller you have always imagined. Carlos will take you step by step on a journey to creating your life’s work, and we will surely have some fun in the process. Ready, Set, Let’s Write!!!

    ReplyDelete
  136. I'm 40 years old female I tested genital herpes (HSV1-2) positive in 2002. I was having bad outbreaks. EXTREMELY PAINFUL. I have try different kinds of drugs and treatment by the medical doctors all to know was avail. Six months ago I was desperately online searching for a helpful remedies for genital herpes (HSV1-2) cure, which i come across some helpful remedies on how Dr OYAGU have help so many people in curing genital herpes (HSV1-2) with the help of herbal treatment because I too believe there is someone somewhere in the world who can cure herpes completely. At of the past 2 months, however, I've been following his herpes protocol Via oyaguherbalhome@gmail.com or +2348101755322 and it stopped all outbreaks completely! To my greatest surprise I was cured completely by following the protocol of his herbal medicine . Don't be discouraged by the medical doctors. There is a cure for HSV with the help of herbs and roots by a herbalist Dr call Dr OYAGU he is so kind and truthful with his herbal treatment, kindly contact him for more information Via oyaguherbalhome@gmail.com or WhatsApp DR on +2348101755322 you will be lucky as i am today

    ReplyDelete

  137. I want to use this opportunity to thank Dr Oyagu for the grate work he has done for me and my cousin sister, I was cured from herpes virus through his herbal remedy and my cousin sisters was also cured from Cancer. This is a grate testimony for what Dr Oyagu Has done for me and my entire generation. I’m giving this testimony so that those of you out there can contact him while he keeps saving my relatives. Send him a Dm and get a better health totally. Contact him via WhatsApp +2348101755322 or Email address:oyaguherbalhome@gmail.com

    ReplyDelete
  138. Hello everybody, thanks to Dr eromonsele the spell caster I am from US i don't just Know the reason why some people is finding it difficult to believe that there is a cure for Herpes, my son have been suffering from Herprs since last three years but today i am happy that he is cure from it with the herbal medicine of Dr eromonsele the great healer,i was browsing the INTERNET searching for help when i came across a testimony shared by someone on how Dr eromonsele cure his herpes i was so much in need of getting his treatment but after all Dr eromonsele brought a smile to my son face with his herbal medicine. i am so much happy today that we have someone like this great healer out there, so my people out there kindly contact this great healer on his email address: (dr.eromonsele@gmail.com) please sir keep your good work cause there are people out there who is in need of your healing medicine.once more email him now: (dr.eromonsele@gmail.com  ) you can call him or whats-App his number +2349079308479 DOCTOR EROMONSELE CAN AS WELL CURE THE FOLLOWING DISEASE:- 1. HIV/AIDS2. HERPES3. CANCER ALSO HELP YOU TO GET YOUR WIFE PREGNANT4. ROJO VIRUS 5. Hepatitis 6 Diabetes
    8. Genital disorder (warts)
    7 LOVE SPEL, ALL KINDS OF SPELL YOU SEEK
    8. Epstein Barr Virus 9. IF YOU NEED YOUR EX LOVER BACK TO LOVE YOU AGAIN
    10. LOTTO CASTING AND LUCK CHARM..

    ReplyDelete
  139. Natural herbs have cured so many illness that drugs and injection cant cure. I've seen the great importance of natural herbs and the wonderful work they have done in people's lives. i read people's testimonies online on how they were cured of herpes, Lupus, diabetics etc by Dr odion herbal medicine, so i decided to contact the doctor because i know nature has the power to heal anything. I was diagnosed with HIV for the past 7 years but Dr odion cured me with his herbs and i referred my aunt and her husband to him immediately because they were both suffering from herpes but to God be the glory, they were cured too .I know is hard to believe but am a living testimony. There is no harm trying herbs. Contact Dr Odion on email drodionherbalhome12@gmail.com : /what's app :or call him +234 9019421176 ..
    More Grace to help people with your herbs

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  140. Am here to appreciate Dr Ihibor for using his herbal medicine to cure my Herpes virus. since 3 years now I have been living with this virus and it has been giving me challenges, I was so perplexed cause i have been taking several drugs to be cured but all of my effort was in vain, one morning i was browsing through the internet then i saw several testimonies about Dr. Ihibor curing people from Herpes virus and many other illnesses in the body systems, and immediately i contacted Dr Ihibor on his email: drihiborherbalhome@gmail.com, I told him about my troubles and he told me that i must be cured, he gave me some instructions and which i rightly followed. so he prepared a herbal medicine for me and sent it to me which i used for 2 weeks and everything was like a dream to me and my Herpes virus was totally gone, why don’t you contact him today and be free from your diseases because he is very good and honest Doctor. contact him via email; drihiborherbalhome@gmail.com / his mobile whats-app +2349050141449....One thing i love most about Dr Ihibor is honestly and he is very polite with his patience, so everything he told me was what he did, and his herbal medicine are very affordable to get, Dr Ihibor god will over bless you.

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  141. I was cured of CANCER with the used of natural herbs. My name is celina jolly and am from US. I love herbs so much. Most times, injection and drugs are just a waste of time. I was cured 8 months ago, i suffered from CANCER for 3 yrs but with the help of Dr.Sayo herbal medicine, i was cured within few weeks of drinking the herbs he sent to me through courier delivery service. This same doctor also cured my Aunty from FIBROID, as soon as i heard she had FIBROID, i quickly refer her to Dr.Sayo and she was cured too after drinking his herbs.I have referred more than 15 persons to Dr.Sayo and they were all cured from their various illness. Have you taken herbs before?. You have spent so much money on drugs,injections,surgeries etc and yet you have no good result to show for it. Contact Dr. Sayo now, he is a herbalist doctor, i assured you of a cure if you drink his natural herbs. Dr.Sayo have herbs that cures Hiv, Herpes, diabetics, asthma, hepatitis, HBP, STD, cancer, chronic, etc. Contact Dr Sayo through his Email address on: sayoherbalhealer@gmail.com or WHATSAPP/CALL him on+2349012175679 Visit his FB page: https://www.facebook.com/Sayo-Herbal-Healer-100145798345000/    
    also visit website: http://sayoherbalhealinghome.com/ or check blogs: https://naturerootandherbscures.blogspot.com/ Please share the good news to other people once you are cured  

    ReplyDelete
  142. I actually was told otherwise, that the herpes can not be treated and that there is no way to make it go away once you have it. But I decided to do my own research and found out it is possible to fight it.. I got a lot of information about it here in forums and online,I got Dr Oje Abacha contact on a group were a man from Cordova was sharing his testimony of how he cured him of herpes so I decided to give him a try I emailed him through oje.herbalsolutioncentre@gmail.com . he called me to know if I actually wanted the cured after which the cure was sent to me few days later I was surprised when the same doctor who told me that I was diagnosed of herpes told me that I was completely free from herpes you can reach him through his email oje.herbalsolutioncentre@gmail.com . or through his WhatsApp +2348159734766 if you are diagnosed and also wanna be free from this deadly virus because he is really gonna be of help to you  

    ReplyDelete
  143. Greetings to everyone that is reading this testimony. I was HERPES positive for 1 years and all the means i tried for treatment was not helpful to me, but when i came on the Internet i saw great testimony about Dr.CHO-CHA.  on how he was able to cure someone from HERPES, and any disease this person said great things about this man, and advice we contact him for any problem that Dr.CHO-CHA.   i can be of help, well i decided to give him a try, he requested for my information which i sent to him, and he told me he was going to prepare for me a healing portion, which he wanted me to take for days, and after which i should go back to the hospital for check up, well after taking all the treatment sent to me by Dr.CHO-CHA. i went back to the Hospital for check up, and now i have been confirmed HERPES Negative, friends you can reach Dr.CHO-CHA.   on any treatment for any Disease, reach him on (chochaherbalarenaforhealing@gmail.com)  (chochaherbalarenaforhealing@gmail.com)  He's waiting to help you 
    for more inform you can reach me on  (rachelelderts4@gmail.com) Thank you 

    ReplyDelete
  144. I actually was told otherwise, that the herpes can not be treated and that there is no way to make it go away once you have it. But I decided to do my own research and found out it is possible to fight it.. I got a lot of information about it here in forums and online,I got Dr Oje Abacha contact on a group were a man from Cordova was sharing his testimony of how he cured him of herpes so I decided to give him a try I emailed him through oje.herbalsolutioncentre@gmail.com . he called me to know if I actually wanted the cured after which the cure was sent to me few days later I was surprised when the same doctor who told me that I was diagnosed of herpes told me that I was completely free from herpes you can reach him through his email oje.herbalsolutioncentre@gmail.com . or through his WhatsApp +2348159734766 if you are diagnosed and also wanna be free from this deadly virus because he is really gonna be of help to you  

    ReplyDelete
  145. I am here to share a Good testimony on how Dr Ihibor herbal remedy cured me from herpes completely. I have been suffering from herpes for more than 2 year until I met a friend who directed me to Dr Ihibor, I had doubts at first but now I am a living testimony, after taken the herbs he gave to me l started having some changes within my body and now I am totally cured from herpes, He also have cure for any kind of diseases and infection okay, contact him today and save your self, god bless you Dr Ihibor, you can reach him on whats-app +2349050141449 or email him at drihiborherbalhome@gmail.com

    ReplyDelete

  146. I want to use this opportunity to thank Dr Oyagu for the grate work he has done for me and my cousin sister, I was cured from herpes virus through his herbal remedy and my cousin sisters was also cured from Cancer. This is a grate testimony for what Dr Oyagu Has done for me and my entire generation. I’m giving this testimony so that those of you out there can contact him while he keeps saving my relatives. Send him a Dm and get a better health totally. Contact him via WhatsApp +2348101755322 or Email address:oyaguherbalhome@gmail.com

    ReplyDelete
  147. Please visit
    (http://dradodalovetemple.com)
    (https://youtu.be/B279mkEo_C4)
    i am here to give testimony on how this powerful spell caster called Dr Adoda helped me to fix my relationship. i was heartbroken when my fiancee told me he is no longer interested in marrying me because he was having an affair with the other woman where he work. I cried and sobbed every day, until it got so bad that I reached out to the Internet for help, that was when i read a review about the great work of Dr Adoda, then i contacted him for help to get my lover back, he helped me cast a powerful (reconciliation love spell) and to my greatest surprise after 48 hours of doing the love spell my Fiancee came back on his knees begging me to forgive him We are now happily married and all thanks goes to Dr Adoda Wonders for helping me save my relationship you can contact Dr Adoda through his email address: adodalovespelltemple440@gmail.com or WHATSAPP him on+2348112825421

    ReplyDelete
  148. Can't still believe that i got cured from Genital Herpes through herbal treatment from Dr maggi who I met through the internet, I actually couldn't believe it at first because it sounded impossible to me knowing how far I have gone just to get rid of it. Dr maggi send me his medicine which I took as instructed and here I am living a happy life once again, a big thanks to Dr maggi, I am sure there are many herbal doctors out there but Dr maggi did it for me, contact him drmaggiherbalhome@gmail.com , also call or whatsApp him on +1(917) 979-6387.

    ReplyDelete
  149. Can't still believe that i got cured from Genital Herpes through herbal treatment from Dr maggi who I met through the internet, I actually couldn't believe it at first because it sounded impossible to me knowing how far I have gone just to get rid of it. Dr maggi send me his medicine which I took as instructed and here I am living a happy life once again, a big thanks to Dr maggi, I am sure there are many herbal doctors out there but Dr maggi did it for me, contact him drmaggiherbalhome@gmail.com , also call or whatsApp him on +1(917) 979-6387.

    ReplyDelete
  150. Can't still believe that i got cured from Genital Herpes through herbal treatment from Dr maggi who I met through the internet, I actually couldn't believe it at first because it sounded impossible to me knowing how far I have gone just to get rid of it. Dr maggi send me his medicine which I took as instructed and here I am living a happy life once again, a big thanks to Dr maggi, I am sure there are many herbal doctors out there but Dr maggi did it for me, contact him drmaggiherbalhome@gmail.com , also call or whatsApp him on +1(917) 979-6387.

    ReplyDelete

  151. I am so Happy to be writing this article in here, i am here to explore blogs forum about the wonderful and most safe cure for HERPES SIMPLEX VIRUS.I was positive to the Virus called HERPES and i lost hope completely because i was rejected even by my closet friends. i searched online to know and inquire about cure for HERPES and i saw testimony about DR Ebhota online on how he cured so many persons from Herpes Disease so i decided to contact the great herbalist because i know that nature has the power to heal everything. i contacted him to know how he can help me and he told me never to worry that he will help me with the natural herbs from God! after 2 days of contacting him, he told me that the cure has been ready and he sent it to me via FEDEX or DHL and it got to me after 4 days! i used the medicine as he instructed me (MORNING and EVENING) and i was cured! its really like a dream but i'm so happy! that's the reason i decided to also add more comment of Him so that more people can be saved just like me! and if you need his help,contact his Email: (drebhotasoltion@gmail.com) You can contact him on WhatsApp +2348089535482 He also have the herb to cure difference cure for any sickness (1) HERPES,
    (2) DIABETES,
    (3) HIV&AIDS,
    (4) URINARY TRACT INFECTION,
    (5) HEPATITIS B,
    (6) IMPOTENCE,
    (7) BARENESS/INFERTILITY
    (8) DIARRHEA
    (9) ASTHMA..

    ReplyDelete