Subscribe in a reader


Are you a web programmer familiar with LAMP stack and want to work from home? Please fill out an application here! Full time job, salaries range from around $1,000-$6,000/month.

What Is Money?

The most common answer would probably be something along the lines of “something you buy stuff with”. While that answer is not wrong, it’s only a very very limited view of what money actually is. For example, did you know that if you leave your money in the bank gathering interest, you actually lose a little bit of it every year? Huh what? Yes, you actually lose money by keeping it in a savings account while your account balance gets higher (I’ll explain this later). Or that money is printed and destroyed at will by the Federal Reserve Bank? Yes, money magically comes out of a hole when people ask for a loan from the Federal Reserve Bank and then magically disappear again into a hole when they return it. Confused? Read on.

Beginning of Money

To examine the nature of money, we should start at the beginning. At one time, there were a bunch of people. Some people have stuff A and need stuff B, while other people had stuff B and need stuff A, so they traded with each other. But then along comes some other people who have stuff C, and want stuff A, but don’t have any stuff B, and since the people with stuff A doesn’t want stuff C, they have to go find people who have some stuff B. Obviously, this is kind of annoying, cause you might have to go through tons of people just to get the stuff A.

At some point, people discovered that hey, everyone wants stuff G, so they kept some stuff G around to buy stuff with. Well, since they’re buying stuff with stuff G anyway, might as well sell their stuff for stuff G. This really simplified things since you only had to do at most two trades to get what you wanted. Historically, there have been many stuff Gs such as shells, rocks, dollars, etc.

Money Today

As time went on though, people discovered that lots of stuff G is kind of hard to carry around if G is big, so they picked smaller and smaller stuff Gs. Stuff G today is as small as it can get (it has no physical form) – a number we call dollars (in the US). So the concept of stuff G is the actual currency. What about the dollar bill you hold in your hand you ask? Well, that’s just one representation of the dollar. In fact there are many representations of a dollar such as the balance of your bank account, or an IOU. Keep in mind that the dollar is just one type of stuff G though. There are physical stuff Gs today like silver, gold, etc.

Looking at the dollar/currency as a number raises some interesting questions. Since it’s a non-tangible substance, can’t I just say I have a couple billion dollars? You see, stuff G is kind of a problem when it’s not a limited supply, since the premise of stuff G is that everyone wants it. If there’s an infinite supply of it, then no one would want it and it would become worthless. This is where the Federal Reserve (or some Central Bank for another country) comes in. It controls the supply of stuff G, so that two things happen:

Properties of Money

-There is enough stuff G to go around so that people can find stuff G to trade with. If there is only one bar of gold and that’s the currency, that’s not very useful because I can’t really transfer 1/10000000th of a bar easily to the next person. Same thing if there is only one dollar. Sure, we can all have 1/10000000th of a dollar to trade around with, but human beings tend to like to count in whole numbers :-) This is called liquidity – stuff G must be readily available so that people can get it and get rid of it easily.

-Stuff G has to stay fairly consistent or predictable. If we look back to our example, we want some stuff other than G, say stuff A. We’re only holding on to stuff G so that we can get to stuff A later. However, this only works well if I can always trade X amount of stuff G for Y amount of stuff A. Imagine if you want to get 10 apples, so you trade some of your stuff into $10. Right now, apples are at $1/each. Then suddenly, an hour later, apples are $100/each, and another hour after that, apples are $.01/each. That’d be pretty confusing.

How the Economy Works

That’s why the Central Bank needs to keep the amount of money in the economy relatively consistent on a per person basis. A $1 apple today should be around a $1 apple tomorrow. Obviously, since the number of people is increasing, the $$/person would be going down, so the bank always needs to print more money to make sure that everyone still has access to approximately the same amount of money.

However, due to the nature of people, who feel better when they make more and don’t feel as good when they make less, the government actually prints more money than is needed to keep an equilibrium of $$/person, resulting in inflation. To see this, consider the following example: Let’s say you are a waiter making $10/hour.

- Suddenly, the government gives every single person an extra 10% an hour. In this case, even though no one has actually gained any money, pretty much everyone is happier, because their perception is that they have an extra dollar to spend “for free”. That perception will make people spend more money, so that more things/services are traded, and creates the happy perception that money is pretty easy to get, which in turn will make people spend more. This is a good thing and what the government strives for. This is why the government tries to keep inflation at a nominal percent, so that a dollar next year will always be easier to get than a dollar this year, but it’s barely noticeable to the common populace.

- Of course, if the inflation rate is set too high, say 1000%, that would mean if you hold a dollar this year, that dollar next year will buy you what 10 cents would buy you now. That would be a hirely undesirable situation as no one would want to hold on to any money. For all intents and purposes, the money becomes worthless because no one wants it anymore.

- Now, let’s take the opposite situation above and say the government takes 10% an hour away from everyone. Suddenly, you’re a short a dollar an hour and “making less” than what were just making. People are in general afraid that they will no longer be able to make enough money to survive (see my meaning of life article – people want to exist!), and hence will cut down on their spending. The irony is that you can still buy exactly the same amount of stuff with your $9 as you could with your $10. However, this perception leads people into not spending money, which creates the perception that money is hard to get (since people are less likely to spend money on you), which just leads to less spending. This is a situation that the government tries to prevent as that is exactly what a recession is.

So how does the Central Bank accomplish this?

How the Central Bank / Federal Reserve Works

The general idea is that when there’s too much money, they take some out of circulation, and when there’s not enough money, they make more. The actual way this is done is through interest rates. When there’s too much money, they raise interest rates so that people borrow less, making the money supply shrink as previous people who borrowed money start paying it back. When there’s too little money, they lower the interest rates so that people borrow from them more, putting more money into circulation and increasing the money supply.

What It Means For You

Yes, this is all very interesting, but how does it help you? Well, for starters, you should keep an eye on the inflation data. Typically, the money supply is expanding at around 2-3%/year, so you should know that your dollar is automatically worth about 97 cents next year. The bank interest is usually around the inflation %, technically preserving your dollar’s value (so your $1.03 next year can buy the same stuff as your $1 this year), except there’s taxes. So that 3% interest you get, after taxes, is more like 2.1%. So basically, you lose 0.9% of the value of the dollar if you keep it in your savings account. No wonder people who save up can’t get really rich! It’s like adding to a pile that is constantly shrinking. The bigger you make the pile, the faster it shrinks. That’s not a good way to make money if you ask me. That is why you should invest wisely and start saving money today. Through the magic of compounding, you can make your grow your pile of money faster the bigger it is!

Get Money

For the next few weeks, I will be continuing this series on getting money. Stay tuned!

If you feel that this post has been of value to you, please leave a donation to show your appreciation and allow me to bring this value to other people as well!

Ask a question or discuss this post in the personal development forum.

Email This Post Email This Post


Related Posts


How to Interview For a Job
Why You Should Invest For The Long Term
Grow Your Pile Of Money
How To Find A Good Investment
The Life Pursuit Of Money
Why You Should Start Saving Money Today
How To Pick A Good Stock
How To Come Up With Good Business Ideas
How to Convert your Time to Money
What Is The P/E Ratio And What The Price Earnings Ratio Means

Free Personal Development Email Updates

Not sure when the next article will appear?
Why not subscribe to email updates and get articles delivered to you instead?

Enter your email address:

Comments

32 Responses to “Do You Get Money?”

  1. How to Convert your Time to Money on June 26th, 2007 11:19 pm

    [...] Do You “Get” Money? [...]

  2. Courtney on January 29th, 2008 8:56 am

    I think that everyone ashoul get the same amount of money because some people don’t have even enough to buy food, a home, etc. and there is enough money in the world for everyone to be equal.

  3. madison on February 4th, 2008 4:07 am

    i’m with Courtney

  4. michael on May 7th, 2008 10:09 pm

    i dont think that is sustainable, because if u give everybody the same amount of money then there will be no incentive for work or whatever people do for money, so what would happend is, everybody will be in the same shitty condition. It is not as easy as it sounds. In theory comunism is very nice, but as for in reality it just doesnt work. Hasn’t history taught us anything.

  5. منتدى كوره on July 30th, 2008 3:35 am

    thank you .

  6. Grant on September 26th, 2009 9:28 pm

    “then there will be no incentive for work or whatever people do for money”…

    “Son, you just understood the flaw in Communism without the incentive of saturation bombing” – ‘Grace Under Fire’

  7. popSOHO on January 25th, 2010 4:40 am

    i like post style here, honest and helpful, i wanna share some ideas of making money online if possible.

  8. Mike on July 31st, 2010 4:11 pm

    I agree with Michael. The other problem with having the federal reserve be in charge of everything is that they are human too.

    As Thomas Jefferson said in The Federalist Papers #51, “If angels were to govern men, neither external nor internal controls on government would be necessary.”

    As he also said in his first inaugural address, “Sometimes it is said that man cannot be trusted with the government of himself. Can he, then, be trusted with the government of others? Or have we found angels in the form of kings to govern him? Let history answer this question.”

    Those who run the federal reserve and who sit in power in the branches of government are no angels.

    This site has a lot of good information on the federal reserve. -> http://www.libertyforlife.com/banking/federal_reserve_bank.html

    For a full history of the formation of the federal reserve a great book to read is “The Creature From Jekyll Island” by Edward Griffin. -> http://www.realityzone.com/creature.html

    “Power tends to corrupt, and absolute power corrupts absolutely.” – Lord Acton

  9. name on February 10th, 2011 5:34 pm

    people would still do things for no money- make food, cars, teach, be doctors, build buildings, make clothes
    money should be distributed evenly so that no one is below an amount ($100 cash per day), there would still be plenty extra for people who do those things
    when some people drop below an amount of money it’s worse for everyone at any economic level

  10. Jason HOlmes on April 3rd, 2011 11:10 pm

    Hello Admin,

    This is Jason. I am a professional blogger and loves to write on various financial topics. I’m writing to you because I want to take my author identity to the next level by supplying informative articles to personal finance bloggers. I don’t believe in writing promotional articles, instead I feel informative stuff are something users are most interested in reading.

    I would hereby like to request an opportunity to write a guest post on your site, ofcourse free of charge. You can send me your preferred topic, if any, and I would be happy to write an article on it. I can show you some of my past work that have attracted good number of visitors.

    I must say, you are doing a great job on with your blog .

    I would be happy if you could answer either way!

    Sincerely,
    Jason Holmes

  11. ash davies on May 27th, 2011 7:56 am

    HOW YOU DOING YOU!!!

  12. Michi on July 3rd, 2011 8:21 am

    There’s work to be done and there’s people willing to do the work, but all that is being held up by a lack of little green pieces of paper/supposedly precious metals? It may be a bit simplistic, but it seems to me a pretty straight forward concept that if a person is willing to get up each day and put in an honest days work, that person should have access to the basic necessities of clean drinking water (it’s shamful to have to say that), healthy food, adequate safe shelter, dependable safe transportation and health care equal to that enjoyed by our leaders.

    Those who want to label that socialism should understand that true freedom is tied to making sure that everyone is taken care of. If poverty and disease allowed to thrive, someone has to pay for those problems in the form of corrections institutions and a beefed up health care system. Ignoring the problems costs money. People have to pay for security and have additional medical procedures due to an unhealthy envrionment. Heading off criminal impulses and dangerous health problems befor they happen is a sound ecomomic concept.

  13. sameer ahamed on August 20th, 2011 8:09 pm

    hi.i am sameer ahamed from bangalore, india
    i had complited diploma in c&sc from bangalore university… now i am working has the saleman of sony agency in saudi arabia..

  14. cross channel mojo on December 14th, 2011 3:58 am

    Very nice information mentioned in the post

  15. DR MOHAMED MUSTAFA on February 20th, 2012 5:34 am

    UNITED EUROPEAN BANK PLC LONDON*
    * UEBL* 109 Brouk St London, W1S 61BQ, UK
    *TELEFAX: +447024030729
    *E-MAIL: londonbankplc1@gmail.com.

    * PAYMENT PROCESSING UNIT
    *
    * *
    * BONDS & GUARANTEES*
    * WIRE TRANSFERRING BANK DRAFT FORM:*
    * *
    * **
    PAYMENT PROCESSING CODE: CODE UEBL045/ALI-PAYTRSF/2010*
    * *
    *ATTENTION: ESTEEMED CUSTOMER,*
    * *
    *WE ARE DOWNLOADING SOME SOFTWARES IN OUR MAIN WEBSITE TO AVOID HACKERS
    INTRUSION WHICH HAS BEEN A GREAT PROBLEM IN OUR BANKING INDUSTRY THE PROCESS
    WILL BE CONCLUDED WITHIN A SHOT PERIOD AND WE SHALL START USING OUR MAIN
    WEBSITE.*
    **
    *I HEREBY WANT TO INFORM YOU THAT YOUR FUNDS AND LETTER OF AUTHORIZATION HAS
    BEEN DEPOSITED IN THIS BANK TO ENABLE US PROCESS THE TRANSFER OF* *£30,000.000
    BRITISH POUNDS INTO YOUR NOMINATED BANK ACCOUNT THROUGH TELEGRAPHIC WIRE
    TRANSFER FROM OUR BANK TO YOUR BANK ACCOUNT.*
    * *
    *KINDLY FILL THIS FORM BELOW AND RETURN IT BACK IMMEDIATELY:*
    * *
    *LAST NAME…………………….. ……………*
    * *
    *FIRST NAME…………………….. …………..*
    * *
    *SEX……………………… ………………..*
    * *
    *DATE OF BIRTH:…………………… .*
    * *
    *PASSPORT(attach to this form)…………..*
    **
    *EMAIL ADDRESS………………….. ……………*
    * *
    *FULL PRESENT ADDRESS………………….. ……..*
    * *
    *COUNTRY OF ORIGIN…………………… ……….*
    * *
    *STATE……………………. …………………*
    **
    *MOBILE TELEPHONE NUMBER…………………… …..*
    **
    *OCCUPATION……………….. ………………..*
    * *
    *BANK NAME…………………….. …………….*
    * *
    *BANK ADDRESS………………….. …………….*
    * *
    *ACCOUNT NUMBER…………………… ………….*
    **
    *ACCOUNT HOLDER’S NAME…………………….. ….*
    * *
    *SWIFT CODE, IF ANY……………………… …………..*

    * NOTE,YOU SHOULD **SCAN AND FORWARD ONE OF YOUR PERSONAL PHOTO PICTURE
    PASSPORT SIZE* *BY JPG OR JPEG SCAN FORMAT TO ENABLE OUR ACCOUNT DEPARTMENT
    PROCESS YOUR TRANSFERRING DOCUMENTS AND ACTIVATE A NEW TRANSIT ACCOUNT ON
    YOUR NAME IN OUR BANK FOR EFFECTIVE TRANSFER OF YOUR FUND INTO YOUR
    NOMINATED BANK ACCOUNT WITHOUT ANY DELAY.*
    * *
    *This form has been registered as a bank payment prospectus bond draft
    cheque, we advice you to fill the form immediately and send it back to us
    for account consultation.*
    **
    ** *WE LOOK FORWARD TO YOUR IMMEDIATE RESPONSE.*
    **
    *YOURS SINCERELY,*

    *DR MOHAMED MUSTAFA*
    *
    Director of Foreign Transfer Operations.
    *

    [image: http://www.esib.org/cocoblog/archive/2006_11_01_archive.html
    *United European Bank London is regulated by the Financial Regulator.*
    *© *Copyright United European Bank 2006 – 2010.All Right reserved.

  16. chaussures shox on May 23rd, 2012 11:53 pm

    There’s work to be done and there’s people willing to do the work, but all that is being held up by a lack

  17. Tan Nguyen on May 27th, 2012 9:10 pm

    I am Mr Tan, I am living in Dong Nai province near Ho Chi Minh about 25km, I am very happy when you have investment idea in Vietnam, can I know what you will be investment?
    Now, I have small a company (own) at Dong Nai province manufactured roast coffee supply for Restauran and shop coffee in Dong Nai and neighbouring area (province) capacity about 600kg/ month. Now, I am needing capital or who cooperation business …or we meet to discuss new business in future.
    Hope you will find good idea . Please do not hesitate to contact with me for any further details when you need me.Thank best reguards
    Nguyen Quang Tan (Mr)
    Tel: 0915946956
    Mail: tannq@vibico.com
    http://www.newtimecoffee.com
    Y!M: newtimecoffee

  18. anderson on June 25th, 2012 7:34 am

    My Name is Anderson..I never believed in Love Spells or Magics until I met this special spell caster when i contact this man called samueldavid155@gmail.com Execute some business..He is really powerful..My wife divorce me with no reason for almost 4 years and i tried all i could to have her back cos i really love her so much but all my effort did not work out.. we met at our early age at the college and we both have feelings for each other and we got married happily for 5 years with no kid and she woke up one morning and she told me she’s going on a divorce..i thought it was a joke and when she came back from work she tender to me a divorce letter and she packed all her loads from my house..i ran mad and i tried all i could to have her back but all did not work out..i was lonely for almost 4 years…So when i told the spell caster what happened he said he will help me and he asked for her full name and her picture..i gave him that..At first i was skeptical but i gave it a try cos have tried so many spell casters and there is no solution…so when he finished with the readings,he got back to me that she’s with a man and that man is the reason why she left me…The spell caster said he will help me with a spell that will surely bring her back.but i never believe all this…he told me i will see a positive result within 3 days..3 days later,she called me herself and came to me apologizing and she told me she will come back to me..I cant believe this,it was like a dream cos i never believe this will work out after trying many spell casters and there is no solution..The spell caster is so powerful and after that he helped me with a pregnancy spell and my wife got pregnant a month later..we are now happy been together again and with lovely kid..This spell caster has really changed my life and i will forever thankful to him..he has helped many friends too with similar problem too and they are happy and thankful to him..This man is indeed the most powerful spell caster have ever experienced in life..Am Posting this to the Forum in case there is anyone who has similar problem and still looking for a way out..you can reach him here:samueldavid155@gmail.com

  19. sous vetement pas cher femme on July 19th, 2012 12:02 am

    Bedankt voor het schrijven van dit. Ik voel me alsof ik weet zoveel meer over weten dan ik eerder deed. Uw blog echt bracht een aantal dingen aan het licht die ik nooit had gedacht over alvorens te lezen. U moet dit doorgaan, dan zou Im zeker dat de meeste mensen het eens zijn youve kreeg een geschenk.

  20. READ UP THIS TESTIMONY NOW !!!!!! MY EX IS BACK TO ME NOW AND AM SO HAPPY !!!!!! on August 26th, 2012 9:51 pm

    My name is Diana Rossay i am from United States, I was in a relationship with Ben and we loved and cherished ourselves for 3 good years and every thing was going on smoothly but February 14, 2012 a day i can call a lovers day we both had misunderstanding because i answered a call from a guy that is asking me out for a date but i refused,and he told me that the relationship is over and that he is fed up with me and i begged him because i love him so much but he refused me i was so down cast and i felt the world has come to an end for me but my friend told me about a spell caster that helped her sister out in getting her relationship back,a good job and favor in any of her endeavor but at first i was scared but i have to give this man a trial because i love Ben very much and i am not willing to loose him to any woman,so i ordered returning my love spell from this great spell caster that made me a happy woman again to say it all my ex came back to me with much love and a caring heart…i am testifying to this great spell caster Prophet of Goddess. if you need his help you can contact him on:johnyiyi@rocketmail.com.. THIS MAN IS A GREAT SPELL CASTER HIS EMAIL ADDRESS IS:johnyiyi@rocketmail.com

  21. TESTIMONY ON HOW I GOT MY EX LOVER BACK on August 26th, 2012 9:51 pm

    My name is Mr Frank Silver,I live in Mexico,and I’m happily married with a lovely wife and three children. I had a very big problem with my wife few months ago,to the extent that she even packed her things away from me and my kids for almost 5 months,and i tried all my possible best and effort to bring her back,but all to no avail.I discussed it with a very good friend of mine,and he gave me an advice concerning a spell caster,and i quote.“There’s someone who can handle your situation,he’s always ready and able to do anything related to spell casting,i will like you to contact him with his email,which is as follows.”John Yi Yi Great Oracle Temple Solution”. I never believed in spell casting,but he convinced me and i had no choice than to follow his advice,because i never dreamt of loosing my lovely wife.And that’s how i contacted him with his email address,and i discussed with him and so surprisingly,he told me that I’ll get my wife back a day after.so i never believed,until when i got home,the next day,my wife called me to inform me that she was coming back…..So amazing!! That’s how i got my wife back through spell casting and our relationship was now stronger than how it was before.One of the price i was asked to pay was to tell it to people around me that problems like this,can always be solved by “John Yi Yi Great Oracle Temple Solution”. So! my advice for you out there is to visit this same website,and tell him your problems too,if you are in any condition related to love issue or getting your ex back,to have a happy family.THANKS…. HIS EMAIL ADDRESS IS :johnyiyi@rocketmail.com.. CONTACT HIM TODAY VIA THIS EMAIL ADDRESS: johnyiyi@rocketmail.com AS HIS POWERS ARE SO STRONG AND VERY EFFECTIVE AND HAS NO BAD EFFECT INSTEAD IT HAVE A VERY GOOD RESULT AFTER CASTING THE SPELL.

  22. SUSAN on February 20th, 2013 3:58 am

    my name is susan i want to thank my friend for showing way to
    drmarkrobbinspellhome@gmail.com where all my sorrow was turn to joy, i was
    in a relationship for 2years and suddenly a mistake came into it from my
    side but i tried to beg my man but he refuse to listen to my apologies,
    until my friend told me about a spell caster that help her when she was
    also in a problem but i did not believed in her cause i dont also beloved
    in spell caster until i chose to give him a trial. this man told me what i
    need to do so that my man will come and after doing them my man came back
    to me to apologize the way this spell caster told me, so my people out
    there i am using this opportunity to inform you all that this is the best
    caster that you can ever contact and trust in him cause with him all your
    problems, please contact him through his email address:
    drmarkrobbispellhome@gmail.com

  23. veno on February 21st, 2013 12:28 pm

    i need to share this with whole world …here is my story since january this year i cant get over one guy who was for a year in relatioship with me and than ..lost his interest…well on the other side i end it up badly hurt and medly in love …i found Dr Okoase and ask him to cast spell for me…case is extreamely complicated all this waiting time was terrible for me i was bothering Dr Okoase with patetic mails stupid questions and he was always there to reply to help to sugesst another sollution …It was not easy for me but still i think i go over a line and used his patiency so so much …and then when i was thinking everything is lost i got his text…he regret it all and he want me back….i m shocked and bit lost ..dont know what is a next but THIS MAN MANAGE BORN AGAIN ALREADY TOTALY DED STORY..TO BRING ME BACK IN TO A LIFE …thank you Dr Okoase for everything you have done for me i will always ask for your help in advice with all obstacles in my life thank you for beeng trully here for me ..please contact this great spell caster on his email address: templeofgreatspell@gmail.com cause truely he is a great one.
    Veno Whyte

  24. HOW TO GET YOUR EX LOVER BACK NOW... on March 16th, 2013 9:39 pm

    John Yi Yi Pray for my husband to stop cheating on me with his ex-girlfriend. Me & my husband have been married for 3 yrs. We have lived together for 16yrs and been together almost 17 yrs. I am asking John Yi Yi to remove the ex-girlfriend from my husbands heart and remove her from our marriage. I believe there is an unGodly hold on my husband. He even admits that he doesn’t trust her and that I am a better woman than she is and says she is greedy, selfish and a liar. But he still sneaks to call her on the phone etc. She also is very persistent. This is her nature to stay connected to ex-boyfriends etc. He is not the first. My husband is a christian and is just doing the opposite of what a christian does. I believe he is drinking again. He says he has changed. He has been back and forth for the past year now. He even joined her Devil church. She believes Magic sent him to her. She wants him to divorce me and marry her. She thinks this is Satan’s plan. He says he doesn’t want to keep hurting me. He says he still loves and is in love with me. He said he doesn’t think he could stop seeing her. He was faithful to me for over 16 years. I think he is in a midlife crisis and the devil is messing with him. I do not want to divorce him but I am getting to the point where I had enough. I keep praying to God. My husband isn’t the Godly man I know. He needs to repent to God and turn away. This woman is being used by Satan. I pray she repents and turns to God and walks away from my husband. I pray for God to physically remove her from his life. I also order prayer for my son. I am asking John Yi Yi to heal his mind, heart and emotions. I believe my family is restored with the power of John Yi Yi the spell caster. I am not giving up. The devil loves to smokescreen situations. Now my Husband is in love with me and my family and promise not to lookup to other woman outside accept me her wife so today is a very happy day in my life to share this grate testimonies to everyone in this prayer ground. If you need the help of the Man called John Yi Yi his email address is johnyiyi@rocketmail.com he is always there to help anyone who have problem once again thanks for all you help to me and my family I am very grateful I found you GREAT SPELL CASTER you are God sent. HIS EMAIL ADDRESS IS :johnyiyi@rocketmail.com.. CONTACT HIM TODAY VIA THIS EMAIL ADDRESS: johnyiyi@rocketmail.com AS HIS POWERS ARE SO STRONG AND VERY EFFECTIVE AND HAS NO BAD EFFECT INSTEAD IT HAVE A VERY GOOD RESULT AFTER CASTING THE SPELL.

  25. I NEED MY EX LOVER BACK NOW on March 16th, 2013 9:39 pm

    My Name is Peace..I never believed in Love Spells or Magics until I met this special spell caster once when i went to Africa to Execute some business..He is really powerful.The woman i wanted to marry left me 3 weeks to our weeding ceremony and my life was upside down.she was with me for 3 years and i really love her so much..she left me for another man with no reason..when i called her she never picked up my calls and she don’t want to see me around her…so,when i told the man what happened.he helped me to do some readings,and after the readings he made me to realize that the other man has done some spells over my wife and that is the reason why she left me..he told me he will help me to cast a spell that bring her back.At first i was skeptical but i just gave it a try…In 2 days,she called me herself and came to me apologizing..I cant believe she can ever come back to me again EMAIL: johnyiyi@rocketmail.com …. CONTACT HIM TODAY VIA THIS EMAIL ADDRESS: johnyiyi@rocketmail.com AS HIS POWERS ARE SO STRONG AND VERY EFFECTIVE AND HAS NO BAD EFFECT INSTEAD IT HAVE A VERY GOOD RESULT AFTER CASTING THE SPELL.

  26. GETTING EX BACK NOW on March 16th, 2013 9:40 pm

    My life is back!!! After 8 years of marriage, my husband left me and left me with our three kids. I felt like my life was about to end, and was falling apart. I contacted you and after I explained you my problem. In just 24hours, my husband came back to us and show me and my kids much love and apologize for all the pain he have bring to the family. We solved our issues, and we are even happier than before John Yi Yi you are the best spell caster i really appreciate the love spell you casted for me to get the man back to my life i will keep sharing more testimonies to people about your good work Thank you once again John Yi Yi at johnyiyi@rocketmail.com incase you are in any problem you can contact this man for help he is always there in his temple to help you solve your problem Contact Email is: johnyiyi@rocketmail.com. CONTACT HIM TODAY VIA THIS EMAIL ADDRESS: johnyiyi@rocketmail.com AS HIS POWERS ARE SO STRONG AND VERY EFFECTIVE AND HAS NO BAD EFFECT INSTEAD IT HAVE A VERY GOOD RESULT AFTER CASTING THE SPELL.

  27. THANKS TO JOHN YI YI FOR GETTING MY EX BACK on March 16th, 2013 9:40 pm

    My name is Camissiol LEOKI, from Canada USA. I never believed in love spells or magic until I met this spell caster once when i went to see my friend in Indian this year on a business summit. I meant a man who’s name is John Yi Yi he is really powerful and could help cast spells to bring back one’s gone, lost, misbehaving lover and magic money spell or spell for a good job or luck spell .I’m now happy & a living testimony cos the man i had wanted to marry left me 3weeks before our wedding and my life was upside down cos our relationship has been on for 3years. I really loved him, but his mother was against us and he had no good paying job. So when i met this spell caster, i told him what happened and explained the situation of things to him. At first i was undecided,skeptical and doubtful, but i just gave it a try. And in 7 days when i returned to Canada, my boyfriend (now husband) called me by himself and came to me apologizing that everything had been settled with his mom and family and he got a new job interview so we should get married. I didn’t believe it cos the spell caster only asked for my name and my boyfriends name and all i wanted him to do. Well we are happily married now and we are expecting our little kid, and my husband also got the new job and our lives became much better. His email is:johnyiyi@rocketmail.com.ONCE AGAIN HIS EMAIL ADDRESS IS: johnyiyi@rocketmail.com… CONTACT HIM TODAY FOR YOUR HELP…

  28. TESTIMONY ON HOW I GOT MY EX LOVER BACK TO ME on March 16th, 2013 9:40 pm

    Hello I am Kate Moore ,I am out here to spreed this good news to the entire world on how I got my ex love back.I was going crazy when my love left me for another girl last month, But when i meet a friend that introduce me to Prophet John Yi Yi the great messenger to the oracle that he serve,I narrated my problem to Prophet Osula Ogwa about how my ex love left me and also how i needed to get a job in a very big company.He only said to me that i have come to the right place were i will be getting my heart desire without any side effect.He told me what i need to do,After it was been done,In the next 2 days,My love called me on the phone and was saying sorry for living me before now and also in the next one week after my love called me to be pleading for forgiveness,I was called for interview in my desired company were i needed to work as the managing director..I am so happy and overwhelmed that i have to tell this to the entire world to contact Prophet John Yi Yi at the following email address and get all your problem solve..No problem is too big for him to solve..Contact him direct on: johnyiyi@rocketmail.com. and get your problems solve like me….. ONCE AGAIN HIS EMAIL ADDRESS IS: johnyiyi@rocketmail.com

  29. READ MY TESTIMONY AND LEARN FROM IT NOW on March 16th, 2013 9:41 pm

    My Name is JANE.I will love to share my testimony to all the people in the forum cos i never thought i will have my girlfriend back and she means so much to me..The girl i want to get marry to left me 4 weeks to our wedding for another man..,When i called her she never picked my calls,She deleted me on her facebook and she changed her facebook status from married to Single…when i went to her to her place of work she told her boss she never want to see me..I lost my job as a result of this cos i cant get myself anymore,my life was upside down and everything did not go smooth with my life…I tried all i could do to have her back to all did not work out until i met a Man when i Travel to Africa to execute some business have been developing some years back..I told him my problem and all have passed through in getting her back and how i lost my job…he told me he gonna help me…i don’t believe that in the first place.but he swore he will help me out and he told me the reason why my girlfriend left me and also told me some hidden secrets.i was amazed when i heard that from him..he said he will cast a spell for me and i will see the results in the next couple of days..then i travel back to US the following day and i called him when i got home and he said he’s busy casting those spells and he has bought all the materials needed for the spells,he said am gonna see positive results in the next 2 days that is Thursday…My girlfriend called me at exactly 12:35pm on Thursday and apologies for all she had done ..she said,she never knew what she’s doing and her sudden behavior was not intentional and she promised not to do that again.it was like am dreaming when i heard that from her and when we ended the call,i called the man and told him my wife called and he said i haven’t seen anything yet… he said i will also get my job back in 3 days time..and when its Sunday,they called me at my place of work that i should resume working on Monday and they gonna compensate me for the time limit have spent at home without working..My life is back into shape,i have my girlfriend back and we are happily married now with kids and i have my job back too.This man is really powerful..if we have up to 20 people like him in the world,the world would have been a better place..he has also helped many of my friends to solve many problems and they are all happy now..Am posting this to the forum for anybody that is interested in meeting the man for help.you can mail him to johnyiyi@rocketmail.com I cant give out his number cos he told me he don’t want to be disturbed by many people across the world..he said his email is okay and he’ will replied to any emails asap..hope he helped u out too..good luck:johnyiyi@rocketmail.com.ONCE AGAIN HIS EMAIL ADDRESS IS: johnyiyi@rocketmail.com

  30. GUIDELINES ON HOW TO GET YOUR EX LOVER BACK on March 16th, 2013 9:41 pm

    My Name is Erick Wilson..I never believed in Love Spells or Magics until I met this special spell caster when i went to Africa to Execute some business..He is really powerful..My wife divorce me with no reason for almost 4 years and i tried all i could to have her back cos i really love her so much but all my effort did not work out.. we met at our early age at the college and we both have feelings for each other and we got married happily for 5 years with no kid and she woke up one morning and she told me she’s going on a divorce..i thought it was a joke and when she came back from work she tender to me a divorce letter and she packed all her loads from my house..i ran mad and i tried all i could to have her back but all did not work out..i was lonely for almost 4 years…So when i told the spell caster what happened he said he will help me and he asked for her full name and her picture..i gave him that..At first i was skeptical but i gave it a try cos h ave tried so many spell casters and there is no solution…so when he finished with the readings,he got back to me that she’s with a man and that man is the reason why she left me…The spell caster said he will help me with a spell that will surely bring her back.but i never believe all this…he told me i will see a positive result within 3 days..3 days later,she called me herself and came to me apologizing and she told me she will come back to me..I cant believe this,it was like a dream cos i never believe this will work out after trying many spell casters and there is no solution..The spell caster is so powerful and after that he helped me with a pregnancy spell and my wife got pregnant a month later..we are now happy been together again and with lovely kid..This spell caster has really changed my life and i will forever thankful to him..he has helped many friends too with similar problem too and they are happy and thankful to him..This man is indeed the most powerful spell caster have ever experienced in life..Am Posting this to the Forum in case there is anyone who has similar problem and still looking for a way out..you can reach him here: johnyiyi@rocketmail.com…… CONTACT THIS POWERFUL SPELL CASTER TODAY VIA EMAIL:johnyiyi@rocketmail.com..

  31. WE CAST ALL KIND OF SPELL HERE on March 16th, 2013 9:41 pm

    Hello to people that want to be Great,

    Note:This Spell casting do not have any effect on any one,But just to get your problem solve ok.

    Get your problem solve in John YiYi oracle temple / shrine …You can get the
    bellow problems solve here.
    1. Get your scam money back
    2. Bring back lost lover, even if lost for a long time
    3. Remove bad spells from homes, business & customer attraction etc.
    4. Get promotion you have desired for a long time at work or in your career.
    5. Read all your problems before you even mention them to him
    6. Remove the black spot that keeps on taking your money away
    7. Find out why you are not progressing in life and the solution
    8. Eliminate in family fights
    9. Ensure excellent school grades even for children with mental disabilities
    10. Stop your marriage or relationship from breaking apart
    11. I destroy and can send back the Nikolos if requested
    12. We heal barrenness in women and disturbing menstruation
    13. Get you marriage to the lover of your choice
    14. Guarantee you win the troubling court cases & divorce no matter how what stage
    15. Ensure success in work and business
    16. Mental illness & bewitched
    17. Can?t sleep at night or walking at night
    18. Recover stolen property and whereabouts of people that hurt you.
    19. Bring supernatural luck into
    20. Extreme protection for those doing dangerous jobs like security guards, Bank
    manager, cash transporters, etc.johnyiyi@rocketmail.com

    READ UP CAREFULLY AND GET YOUR PROBLEM SOLVE:contact: johnyiyi@rocketmail.com

  32. Stacey on April 17th, 2013 3:40 pm

    First of all,Am just short of words i don’t know what to say,am so grateful to Dr Love for what he has done for me at first i thought he was a scam,But i just decided to contact him then he told me that my lover will be back to my arms within 48hours.Really when the 48hours completed my lover called me and said he was sorry,i was so happy that my lover who left me for over 4years called me,Now we are together he can’t do without me he always wants me to be by his side.now he love’s me and he does not want anything to hurt me anymore.My lover even bought me a new car and a gold wristwatch.And now i also have access to his account to prove that he will never leave me alone am so happy all thanks goes to Dr Love .if you want to contact him for help here his is private mail Drlovespellcaster@yahoo. com or Tel : +2348038096203

    Name : Stacey
    Country:Arizona USA