Tuesday, April 20, 2010

Practical and Legal Advice - Part II

Today I got my first, and quite possibly last, social security check. The word "security" in social security is one of those glaring oxymorons for U.S. citizens approaching retirement age.

The check is the whopping $255 survivor's benefit I got as a result of Sue's passing. I'm sure I pay more than that into the system every month. However, the good news is that, at age 62, assuming I live that long and assuming I quit working and assuming I don't remarry by then, I may qualify for a monthly income, as a surviving spouse of Sue, in the approximate amount of $550 per month. That beats a sharp stick in the eye, but it's certainly not enough income to retire on, and comes nowhere close to giving a 62 year old surviving spouse a sense of security.

Practical and Legal Advice (PLA) Part II (today's blog) will explore the subjects of social security, disability insurance, life insurance and financial security, retirement income, health insurance, and what to do and what not to do before and after a spouse dies (and some of this discussion applies before and after anyone close to you dies). Sometimes it is necessary for this discussion to include the subjects of bankruptcy, welfare, and medicare/medicaid, so in my PLA Part III blog I will briefly touch on those topics, as well.

1.a. Life Insurance and Beneficiary Designations.

Once you are diagnosed with cancer, or any other serious disease or other medical conundrum, getting life insurance becomes more difficult, if not impossible. So I hope you had the good sense or good luck to purchase life insurance some time ago when you were still healthy and you thought you and your spouse would live forever. And I hope you had the good sense and tenacity to not cancel it or let it lapse. I had an associate and church friend who died at age 50 this past year. He had a massive heart attack. He'd been unemployed for a while, and, because of financial hardship, had let his life insurance lapse a few months before he died. Never never never let your life insurance lapse.

Some employers have life insurance for their employees which the employees and/or the surviving spouse may or may not know about. Be sure to check with your employer (or your spouse's) to see if that's the case. In my case my wife worked for a local school district, and they had a $50,000 life insurance policy on every teacher which was supplemental to the life insurance we had purchased.

Also, many businessmen who are in businesses with other people have buy-out agreements which require the business or the other partners/shareholders to buy out the decedent's ownership share on death. These buy-out agreements often require the business to carry life insurance on key owners (in the old days it was called "key-man" life insurance, but today I'm sure it's more p.c. to say "key person"). The life insurance proceeds typically are paid to the business, but the purpose of the insurance is so the business has the money to buy out the deceased owner; So the practical effect is the spouse of the deceased shareholder (or his/her heirs) get the money, and the other business owners get the business.

If I could advise those of you who can still buy insurance, particularly those under age 40, my advice would be to buy 15 or 20 year level term insurance that is convertible at any time to whole life insurance without a new qualification or approval. The insurance company will make you sign a beneficiary designation at the time you apply for insurance. That's the form that says who will get paid the life insurance when you die.

Beneficiary designations are extremely important. Let me advise you now, check all your beneficary designation forms for every insurance account, retirement account, bank account, etc. that you can possibly think of, and when you are done doing that, call and make appointments with your employer's human resources and benefits department(s) and make sure you know all the benefits available for disability, health insurance, and retirement (and life insurance if the employer has it) and be sure that you have signed all the forms necessary or advisable -- including all beneficiary designation forms. Retirement plans (disability plans)that pay money to a retired (disabled) employee and, on the death (disability) of the retired (disabled) employee will pay money to the surviving spouse or someone else, also have beneficiary designation forms. Lots of people never get around to signing them. Get them signed! Check and double check. This is important for those plans that have different pay-out options like: A. Pay all the money to me for as long as I live but then don't pay money to anyone else; or B. Pay me a little bit less every month for as long as I live, and then pay that amount, or a little less, to my surviving spouse for as long as he/she lives.

Sue's retirement/disability plan had five different options. She chose the 75% plan, which pays me, as her surviving spouse, 75% of what she was getting.

Remember: If you don't have a signed beneficiary form designating the person you want to get the money when you die, they probably won't get the money, or, if they do, they'll have to jump through extraordinary hoops to get it.

1.b. Life Insurance Pay Outs.

If a spouse just died and you need to collect the life insurance, start by calling the insurance company. Once they confirm that there is a policy in effect and you are the named beneficiary, they'll send you a claim form, and they'll tell you they will need a certified copy of the death certificate as well as a completed claim form. Some life insurance companies also require certified copies of marriage certificates. When they get those from you, they'll either send you a check or wire the money to your bank. Of course, they'll try to sell you their own investment accounts too, but just wait on that. (See section 5 below titled "Go Slow; Don't Make Any Major Decisions Too Quickly)

So you just got paid the big money. Now that you're rich, don't blow it. Seriously, don't spend it. You have to invest it and make it work for you. Spend the income, but try to avoid spending a bunch of the principal. Unless you are an experienced investor, please, please, please get some professional investment advice from a reputable financial planner or investment advisor. Widow/Widower fraud is a major concern. Be careful who you do business with.

2. Disability Insurance and SSDI.

If your cancer (or other illness) puts you in a situation of disability such that you can no longer work, check to see if your employer has disability insurance. California employees are usually covered by a state disability insurance plan. In the absence of employer coverage or self-insurance for disability, or state disability, -- actually in addition to those, you should call or visit the social security administration office nearest you and request to apply for social security disability (SSDI). In Sue's case, she had disability insurance through her employer's independent retirement plan administrator (State Teachers' Retirement Systems - STRS) that pays out like a retirement plan, where the payments were made to her for as long as she was disabled, and now the payments will be made to me in a lesser amount (we chose the 75% option) for as long as I live. Remember to submit an option beneficiary designation.

For more information about SSDI, go online to www.ssa.gov/pubs/index.html

3. Health Insurance, COBRA, and the Medicare/Medicaid Option.

Generally when you can't work anymore, you lose your company-paid health insurance benefits. For the self employed or self insured, and those whose companies don't carry health insurance, this is less of an issue; You've always paid your health insurance premiums anyway, so what's new? If you can't work anymore and you quit or are fired, you should be able to continue your health insurance through your company's health plan for up to 24 months under the Federal COBRA continuation of health benefits act, however, you will have to pay the premiums.

But if you do work for a company or employer that has benefits, get a copy of your company's benefits plan(s), including the health benefits plan booklet. I got a copy of all the several plan booklets from Sue's employer, and read them all. Also make an appointment to meet with the benefits people at your employer. They are a wealth of information, and if continuing health coverage becomes an issue, they should be able to tell you what your options are. I found the benefits people at Sue's employer very helpful and good to work with.

However, don't assume that even the most knowledgable benefits personnel will know everything that applies to you. In reading the plan booklets I was surprised to learn several things that even Sue's employer's benefits people did not know. For example I learned that "if you become totally disabled while insured" then the plan has a waiver of premium for the life insurance plan "for as long as the disabling condition continues." What that meant for me was that, even though Sue was going to stop working, her employer's life insurance premiums would be paid and the employer's $50,000 of life insurance would still be in effect for as long as she had cancer. When the doctors told Sue she had multiple myeloma, that was a disabling-condition life sentence.

If you are destitute and without health insurance, or if you qualify for Social Security Disability (SSDI) benefits, you will probably also qualify for Medicaid or Medicare. Medicaid used to be an automatic qualification for anyone granted SSDI but I am not sure if that's still the case.

4. Retirement Income and Social Security.

Whether and when you get survivor's benefits from your spouse's retirement or social security depends on several things, including: A. Whether there was a beneficiary option in the spouse's retirement plan and whether or not an option beneficiary form was completed and submitted; B. Your age, and your spouse's age, and whether the plan benefits had vested.

I recommend calling the employer and/or the employer's retirement plan administrator and the social security administration office directly, before this becomes a pressing issue, to ask about these questions. For more information about social security, go online to the social security information website at: www.ssa.gov/pubs/index.html

In regard to social security, I learned that, aside from the one-time survivor's pay-out of $255, I might qualify for additional monthly survivor's benefits (approximately $550/month) at age 60 if I stop working. Sue would have qualified for a significantly higher monthly benefit at age 60 if I was the decedent and she was the surviving spouse. That has to do with the amount of money contributed to the social security system; in our state teachers contribute to a teacher's retirement fund and are mostly exempt from social security withholding. Ask all these questions when you call or visit your social security administration office; But don't be intimidated if you don't think you know the right questions to ask, because they will ask you a lot of questions and, based on your responses, they should be able to tell you what benefits you qualify for now, and what benefits you might qualify for later.

...

I intend to cover the following topics in PLA Part III:

5. Go Slow; Don't Make Any Major Decisions Too Quickly.

6. Keep Working; Stay Active.

7. Bankruptcy Is An Option.

8. Charity and the Welfare Safety Net.

65 comments:

  1. My best friend just requested the name of Sue's blog. This information I'm sure will be very helpful to her. Her husband was diagnosed with ALS (Lou Gehrig's (sp?) Disease) Unfortunately, the prognosis is not good at all. Thanks for sharing all this information

    ReplyDelete
    Replies
    1. Greetings to everyone that is reading this testimony..i want to use this medium to testify of how i got cured from Lung cancer,I was diagnose with lung cancer 2 years ago, and ever since i have done a lot of Chemo and Radiation that have not helped me, but only damaged my immune system and render me weak and helpless. I came across testimony on how Dr SUKU heal cancer patient and i contacted him, to my greatest surprise after three day i was free from my lung cancer. I'm now here to testify that am no more a cancer patient, and now am so much happy if you need help for you HERPES CURE OR CANCER OR HIV&AIDS contact him now.greatsukusolutiontemple@hotmail.com to get this miraculous Herbal cured. So far so good my lung cancer is responding to treatment of herbal and the health condition have improved drastically for good.you call him telephone:+234874839242 get your healing now and be free from cancer Here is him email:greatsukusolutiontemple@hotmail.com

      Delete
    2. DR OKAYA CAN HELP YOU CURE ALS DISEASE +2348078291904

      jack nelly Allen I am from UK , I was diagnosed of ALS disease (Lou Gehrig’s disease) in 2013 and I have tried all I can to get cured but all to no avail, my life was gradually coming to an end, until i saw a post in a health forum about a herbal doctor from Africa who prepares herbal cure to cure all kind of diseases including ALS, MND, Epilepsy, Leukemia, Asthma, Cancer, Ghonorhea etc, at first i doubted if it was real but decided to give it a try, when i contact this herbal doctor via his email, he prepared an ALS herbal portion and sent it to me via courier service, when i received this herbal portion, he gave me step by step instructions on how to apply it, when i applied it as instructed, i was cured of this deadly disease within 6 days, I could not walk or talk understandably before but after i took the herbal cure as he instructed i regained strength in my bones and i could talk properly unlike before, I am now free from the deadly disease, all thanks to Dr OKAYA. Contact this great herbal doctor via his email OKAYASPELLHELP@OUTLOOK.COM

      Delete
    3. Good day every one i want to inform the general public how i was cured of Herpes Virus Patient for good Five years i was loosing hope on myself my Boyfriend ran away from me because of my situation one day i was online and i met a recommend on how Dr Suku help her to cure herpes,so i still continue search i saw a testimony of someone again who has been healed from "HIV AND HEPATITIS B" by this Man Dr Suku and she also gave the email address of this man and advise we should contact him for any sickness that he would be of help, so i email Dr Suku telling him about my HERPES Virus he told me not to worry that i was going to be cured...oh i never believed it,well after all the procedures and remedy given to me by this man 2 weeks later i started experiencing changes all over me as the Dr Suku assured me that i have cured,after some time i went to my doctor to confirmed if i have be finally healed behold it was TRUE,hat is why i want you to join me thank Dr Suku for saving my life if you need help please contact him via email;greatsukusolutiontemple@hotmail.com or his cell number +2348074839242, his web/site http://greatsukusolutiont.wix.com/dr-suku

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    4. I never knew people still have powers and make things happen this way. All Thanks Goes to DR OSAUYI for the joy he brought to my life i was married to my husband, and we were living fine and happy family. it come to an extend that my husband that use to love and care for me, those not have my time again, until i fined at that he was having an affair with another woman, i try to stop him,all my effort was in-vain sadly he divorce me and went for the woman. he live me with three of our kids, i cry all day, i was in pains, sorrow and looking for help. i was reading a news paper, i saw how DR OSAUYI help people with his love and reuniting spell. so i decided to contact him and explain my problem to him I still can't believe my very eyes, because it's highly unbelievable, it's just too good to be true. All I can say is thank you DR Osauyi for bringing back my husband to me and my child and for anyone who might need the help of this great spell caster please permit me to drop his mail here (Osauyilovespell@yahoo.com OR you can call the great man on +2347064294395

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  2. Peggie - Sue's blog is called My Oh My Multiple Myeloma, and can be found at: www.myohmymm.blogspot.com Her last post was February 6, 2010. Sue wrote most of her blog posts, but some were done by our daughter, Jessica, and some by me.

    ReplyDelete
  3. George -- This is incredibly valuable information. The only add-on I would make as the recipient of funds from my mother's death is that even investing can be dicey - in this last horrendous slide I lost more than 50% of the value of the investment and I was NOT investing in risky stocks - supposedly. And decision-making after a death is not what it will be six-twelve months later. Thank you again for this post.

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  4. Thanks George...Yes, I always go to her blog first and then click on the "My Wife has Multiple Myeloma blog." It would probably be a lot easier just to go straight to your blogs, but I like seeing her pics and remembering her!

    ReplyDelete
  5. Sorry, meant the "My Wife Has Cancer" blog

    ReplyDelete
  6. I'm thirty three. My wife is thirty five. We have been married eleven years. We have a seven year old son. Well she has the Cancer. It sucks. bad. Two surgeries and intravenous chemo for a month five day's a week. Then when that was done she did the radiation for five weeks.. fried her. bad. and now we are in the eleven months of chemo shots stage. I need help but can find much. She was diagnosed last October. We get some income from her short term disability. But it is not enough. Family helps but no one in our family is wealthy enough to pick up the slack. Some day's I can't even feed my son. I know that it will all work out what ever but it sucks for now. Every day. My name is Ben and my email is bcgpectol@hotmail.com if you have any way of helping it would be appreciated.

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  7. Do some calculation before doing any insurance plan; subtract your resources from the amount of capital needed to meet your family's total financial needs.

    ReplyDelete
  8. I can really relate with your post because my wife just passed away last year, and soon I'll be approaching into the retirement age. My kids have their own lives now and I don't want to depend on them so I asked some estate lawyers in Ottawa to have some legal counseling with regards to my finances, retirement plan, etc. That really helps.

    ReplyDelete
  9. When it comes to legal issues like social security, disability insurance, life insurance, etc., you have to make sure that you follow the correct procedure, so you can claim all the benefits you can possible get. It's better to ask for the help of a legal expert to have a second opinion and someone to guide you along the process.

    ReplyDelete
  10. Hi My name is Mariam i just want to share my experience with the world on how i got my love back and saved my marriage… I was married for 8 years with 3 kids and we lived happily until things started getting ugly and we had a fights and arguments almost every time… it got worse at a point that he filed for divorce… I tried my best to make him change his mind & stay with me cause i loved him with all my heart and didn't want to loose him but everything just didn't work out… he moved out of the house and still went ahead to file for divorce… I pleaded and tried everything but still nothing worked. The breakthrough came when someone introduced me to this wonderful, great spell caster Priest Abija his email spirituallighthealing101@live.com who eventually helped me out… I have never been a fan of things like this but just decided to try reluctantly cause I was desperate and left with no choice… He did special prayers and cast a love spell on him. Within 2 days of casting the spell, he called me and was sorry for all the emotional trauma he had cost me, moved back to the house and we continued to live happily, the kids are happy too and we are expecting our fourth child… I have introduced him to a lot of couples with problems across the world and they have had good news… Just want to share my experience cause I strongly believe someone out there needs it… You can email him
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    ReplyDelete
  11. My wife Lola has been diagnosed of cancer for years now and there has been to treatment apart from the normal chemo... I have spent so much on hospitals but nothing to show for it, Just 2weeks ago I met a man prophet Mica on web surfing on livingspirits.webs.com, He cure my wife's cancer in 7days. He sent us a herbal medicine that cure Lola my wife in just 7days. Her cancer was already on the 2nd stage. I know you scared to believe this, but my dear Its true. Contact him through website and see for yourself. This is amazing, my wife is cured at last...I never knew Herbs are this powerful.

    ReplyDelete
  12. My names is Richards Stone… ALS has been ongoing in my family for long..I lost both parents to ALS and it is so much pain that i have not been able to get over. As we all know medically,there is no solution or cure for ALS and the cost for Medication is very expensive..Someone introduced me to a Herbal man email:(oyeyetemple@gmail.com)(Native Medical Practitioner) in AFRICA.. I showed the man all my Tests and Results and i told him i have already diagnosed with ALS and have spent thousands of dollars on medication..I said i will like to try him because someone introduced him to me..He asked me sorts of questions and i answered him correctly..To cut the story short,He gave me some medicinal soaps and some herbs(have forgot the name he called them) and he thought me how am gonna use them all..At first i was skeptical but i just gave it a try..I was on his Medication for 2 weeks and i used all the soaps and herbs according to his prescription.. that he will finish the rest himself..and i called him 3 days after, i arrived and i told him what is the next thing..he said,he has been expecting my call.. he told me to visit my doctor for another test..Honestly speaking,i never believe all he was saying until after the test when my doctor mention the statement that i am also negative and the doctor started asking me how do i get cure….Am telling this story to everyone of you incase you are may need his help. you can contact him on his via email address: oyeyetemple@gmail.com .

    Kind Regards!
    Thanks…

    ReplyDelete

  13. I want to testify of how i got cured from ALS (Lou Gherigs

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    ReplyDelete
  14. Am Tanya Albert am giving a testimony about Dr. Ekpiku 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. Ekpiku 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 Airfreight Online Courier Service for delivery, he gave my details to the Courier Office, they told me that 3-5 days I will receive the package and i took the medicine as prescribed by him and I went for check-up 1 week after finishing the medicine, I was tested herpes simplex virus negative, if you are herpes simplex virus patient do me a favor for you to contact him and I will try my possible best to make sure you get cured, when you contact him, make sure you tell him that I referenced you.. contact him via: ekpikuspelhomeofgrace@gmail.com or ekpikuspelhomeofgrace@hotmail.com call +2348073673757 OR whatsapp him ,or search the Google to know more of his product!! http://ekpikuspellhomeofgrace.blogspot.com/ THESE ARE THE THINGS Dr. Ekpiku. . HERPES . HIV/AIDS . CANCER . ALS disease.

    ReplyDelete
  15. Greetings to everyone that is reading this testimony..i want to use this medium to testify of how i got cured from Lung cancer,I was diagnose with lung cancer 2 years ago, and ever since i have done a lot of Chemo and Radiation that have not helped me, but only damaged my immune system and render me weak and helpless. I came across testimony on how Dr SUKU heal cancer patient and i contacted him, to my greatest surprise after three day i was free from my lung cancer. I'm now here to testify that am no more a cancer patient, and now am so much happy if you need help for you HERPES CURE OR CANCER OR HIV&AIDS contact him now.greatsukusolutiontemple@hotmail.com to get this miraculous Herbal cured. So far so good my lung cancer is responding to treatment of herbal and the health condition have improved drastically for good.you call him telephone:+234874839242 get your healing now and be free from cancer Here is him email:greatsukusolutiontemple@hotmail.com

    ReplyDelete
  16. Greetings to everyone that is reading this testimony..i want to use this medium to testify of how i got cured from Lung cancer,I was diagnose with lung cancer 2 years ago, and ever since i have done a lot of Chemo and Radiation that have not helped me, but only damaged my immune system and render me weak and helpless. I came across testimony on how Dr SUKU heal cancer patient and i contacted him, to my greatest surprise after three day i was free from my lung cancer. I'm now here to testify that am no more a cancer patient, and now am so much happy if you need help for you HERPES CURE OR CANCER OR HIV&AIDS contact him now.greatsukusolutiontemple@hotmail.com to get this miraculous Herbal cured. So far so good my lung cancer is responding to treatment of herbal and the health condition have improved drastically for good.you call him telephone:+234874839242 get your healing now and be free from cancer Here is him email:greatsukusolutiontemple@hotmail.com

    ReplyDelete
  17. DR OKAYA CAN HELP YOU CURE ALS DISEASE +2348078291904

    jack nelly Allen I am from UK , I was diagnosed of ALS disease (Lou Gehrig’s disease) in 2013 and I have tried all I can to get cured but all to no avail, my life was gradually coming to an end, until i saw a post in a health forum about a herbal doctor from Africa who prepares herbal cure to cure all kind of diseases including ALS, MND, Epilepsy, Leukemia, Asthma, Cancer, Ghonorhea etc, at first i doubted if it was real but decided to give it a try, when i contact this herbal doctor via his email, he prepared an ALS herbal portion and sent it to me via courier service, when i received this herbal portion, he gave me step by step instructions on how to apply it, when i applied it as instructed, i was cured of this deadly disease within 6 days, I could not walk or talk understandably before but after i took the herbal cure as he instructed i regained strength in my bones and i could talk properly unlike before, I am now free from the deadly disease, all thanks to Dr OKAYA. Contact this great herbal doctor via his email OKAYASPELLHELP@OUTLOOK.COM

    ReplyDelete
  18. DR OKAYA CAN HELP YOU CURE ALS DISEASE +2348078291904

    jack nelly Allen I am from UK , I was diagnosed of ALS disease (Lou Gehrig’s disease) in 2013 and I have tried all I can to get cured but all to no avail, my life was gradually coming to an end, until i saw a post in a health forum about a herbal doctor from Africa who prepares herbal cure to cure all kind of diseases including ALS, MND, Epilepsy, Leukemia, Asthma, Cancer, Ghonorhea etc, at first i doubted if it was real but decided to give it a try, when i contact this herbal doctor via his email, he prepared an ALS herbal portion and sent it to me via courier service, when i received this herbal portion, he gave me step by step instructions on how to apply it, when i applied it as instructed, i was cured of this deadly disease within 6 days, I could not walk or talk understandably before but after i took the herbal cure as he instructed i regained strength in my bones and i could talk properly unlike before, I am now free from the deadly disease, all thanks to Dr OKAYA. Contact this great herbal doctor via his email OKAYASPELLHELP@OUTLOOK.COM

    ReplyDelete
  19. I am Nicole Barron from Scotland. I was diagnosed of ALS disease (Lou Gehrig’s disease) in 2011 and I have tried all I can to get cured but all to no avail, my life was gradually coming to an end until i saw a post in a health forum about a herbal doctor from Africa who prepares herbal cure to cure HIV/ and all kind of diseases including Epilepsy, Leukemia, Asthma, ALS, MND, Cancer, Gonorrhea etc. At first i was very nervous about it because i have tried so many medical cure but decided to give it a try, when i contact this herbal priest via his email, he prepared an ALS herbal portion and sent it to me via courier service, when i received this herbal portion, he instructed me on how to apply it, when i applied it as instructed, i was cured of this deadly disease within 11 days, I could not walk nor talk properly before but after i took the herbal cure as he instructed i regained strength in my bones and i could talk properly and walk unlike before, I am now free from the deadly disease, all thanks to this great Priest. If anyone need help, please contact him through templeofpermanenthealing@hotmail.com

    ReplyDelete
  20. My name is Mechelle Necy , I am here to give my testify about this doctor
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    ReplyDelete
  21. I can’t believe this. A great testimony that i must be 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 fara prepare herbal 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 herpes the doctor gave to me. Right now i can tell you that few months now i have not had any pain, and i have just went for text last week and the doctor confirmed that there is no trace of any herpes system on my body. Glory be to God for leading me to this genuine to Dr fara I am so happy as i am sharing this testimony. My advice to you all who thinks that their is no cure for herpes that is Not true, Here is his email: drfaraspelltemple@gmail.com thanks to you all and be bless you can also contact him on his mobile +2348054265852MEMBERSHIP APPLICANT NEEDS TO BE

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

    ReplyDelete
  23. I have been suffering from (HERPES) disease for the last four years and had constant pain, especially in my knees. 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 was searching on the internet if i could get any information concerning the prevention of this disease, on my search i saw a testimony of someone who has been healed from GENITAL HERPES VIRUS by this Man Dr Agbaka and she also gave the email address of this man and advise we should contact him for any sickness that he would be of help, so i wrote to Dr Agbaka telling him about my (HERPES VIRUS) he told me not to worry that i was going to be cured!! hmm i never believed it,, well after all the procedures and remedy given to me by this man few weeks later i started experiencing changes all over me as the Dr assured me that i have cured, after some time i went to my doctor to confirmed if i have be finally healed behold it was TRUE, So friends my advise is if you have such sickness or any other at all you can email Dr Agbaka on : agbakaherbalhome@gmail.com. Sir i am indeed grateful for the help, i will forever recommend you to my friends!!

    ReplyDelete

  24. I have suffered from herpes in the mouth since I can remember. The burning sensation and itching is awful and only those who have suffered can understand what I mean. This message is for all those who continue to suffer from this problem, and want to get rid of.I want to say that I was there and today, thanks to "Dr Ebosa herbal remedies", I can say that my herpes are part of the past. A fast, simple and natural method.Without spending a lot of money and above all no horrible side effects. This program is all you need to say goodbye to their herpes forever! Thanks to all those who were involved in the development of this wonderful product. you can contact him today Via email;drabosaherbscure@gmail.com or ebosaherbalremedy@hotmail.com. bye bye

    Bryan

    ReplyDelete
  25. Hello people,I have been affected with herpes simplex virus type 2 (HSV-2) for more than 3 years now and I have tried all my level best to get cure but non work for me I have tried so many treatment but there was No result until a friend refer me to Lady Helen who cure her brother from herpes simplex virus,At first I was scared to contact her because I have tried both medical and herbal treatment with a lot of money and nothing work.After two days I decided to contact Lady Helen and I promise to give the last try and she reply me saying that my herpes simplex virus (HSV-2) will be cured and gone for just 4 days and she ask me to pay $535 which I did and within 4 days my (HSV-2) was gone.I went for test and the doctor say I am no longer affected with (HSV-2).Please people if any of you is affected with herpes simplex virus,Then contact Lady Helen now and stop wasting your money for treatment that will never work because she is the solution to your herpes simplex virus and within 4 days you will see result her email is cureyourgenitalherpesnow@gmail.com (cureyourgenitalherpesnow@gmail.com) contact her now and be free from herpes simplex virus.

    ReplyDelete

  26. WELCOME TO THE GREAT BROTHERHOOD ILLUMINATI KINGDOM, WHERE YOU FOUND ALL KINDS OF HAPPINESS BLESSING JOY IN LIFE.Are you a business man, politician, artist,worker, student and you want to become rich,wealthy and famous to make your wishes come true in life. You can achieve your dreams, Powerful and famous in the whole world, Join the great brotherhood Illuminati online today and get the sum of 500,000 dollar with a free home any where you choose to live in the world and also get 200,000 dollar monthly as salary. But all these will be given to you after seeing your interest, seriousness and willingness. Email: 666churchofilluminatehome@gmail.com If you are interested, kindly fill the following information given below"
    Full name:
    Country:
    State of origin:
    Occupation:
    Date of birth:
    Sex:
    Address:
    Tel no:
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    Note that you are to attach a passport of your image, tell us little about yourself and your purpose of wanting to become a member of the GREAT BROTHERHOOD ILLUMINATI... No dirty game, no human sacrifice. Email:(666churchofilluminatehome@gmail.com ) you can call us on this cell(+393511961826 or+2347059822379)

    ReplyDelete

  27. WELCOME TO THE GREAT BROTHERHOOD ILLUMINATI KINGDOM, WHERE YOU FOUND ALL KINDS OF HAPPINESS BLESSING JOY IN LIFE.Are you a business man, politician, artist,worker, student and you want to become rich,wealthy and famous to make your wishes come true in life. You can achieve your dreams, Powerful and famous in the whole world, Join the great brotherhood Illuminati online today and get the sum of 500,000 dollar with a free home any where you choose to live in the world and also get 200,000 dollar monthly as salary. But all these will be given to you after seeing your interest, seriousness and willingness. Email: 666churchofilluminatehome@gmail.com If you are interested, kindly fill the following information given below"
    Full name:
    Country:
    State of origin:
    Occupation:
    Date of birth:
    Sex:
    Address:
    Tel no:
    Email address:
    Note that you are to attach a passport of your image, tell us little about yourself and your purpose of wanting to become a member of the GREAT BROTHERHOOD ILLUMINATI... No dirty game, no human sacrifice. Email:(666churchofilluminatehome@gmail.com ) you can call us on this cell(+393511961826 or+2347059822379)

    ReplyDelete


  28. WELCOME TO THE GREAT BROTHERHOOD ILLUMINATI KINGDOM, WHERE YOU FOUND ALL KINDS OF HAPPINESS BLESSING JOY IN LIFE.Are you a business man, politician, artist,worker, student and you want to become rich,wealthy and famous to make your wishes come true in life. You can achieve your dreams, Powerful and famous in the whole world, Join the great brotherhood Illuminati online today and get the sum of 500,000 dollar with a free home any where you choose to live in the world and also get 200,000 dollar monthly as salary. But all these will be given to you after seeing your interest, seriousness and willingness. Email: 666churchofilluminatehome@gmail.com If you are interested, kindly fill the following information given below"
    Full name:
    Country:
    State of origin:
    Occupation:
    Date of birth:
    Sex:
    Address:
    Tel no:
    Email address:
    Note that you are to attach a passport of your image, tell us little about yourself and your purpose of wanting to become a member of the GREAT BROTHERHOOD ILLUMINATI... No dirty game, no human sacrifice. Email:(666churchofilluminatehome@gmail.com ) you can call us on this cell(+393511961826 or+2347059822379)

    ReplyDelete


  29. WELCOME TO THE GREAT BROTHERHOOD ILLUMINATI KINGDOM, WHERE YOU FOUND ALL KINDS OF HAPPINESS BLESSING JOY IN LIFE.Are you a business man, politician, artist,worker, student and you want to become rich,wealthy and famous to make your wishes come true in life. You can achieve your dreams, Powerful and famous in the whole world, Join the great brotherhood Illuminati online today and get the sum of 500,000 dollar with a free home any where you choose to live in the world and also get 200,000 dollar monthly as salary. But all these will be given to you after seeing your interest, seriousness and willingness. Email: 666churchofilluminatehome@gmail.com If you are interested, kindly fill the following information given below"
    Full name:
    Country:
    State of origin:
    Occupation:
    Date of birth:
    Sex:
    Address:
    Tel no:
    Email address:
    Note that you are to attach a passport of your image, tell us little about yourself and your purpose of wanting to become a member of the GREAT BROTHERHOOD ILLUMINATI... No dirty game, no human sacrifice. Email:(666churchofilluminatehome@gmail.com ) you can call us on this cell(+393511961826 or+2347059822379)

    ReplyDelete
  30. I am Frank from New York. I was in trouble when doctor told me that I have been diagnosed with Genital Herpes... 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. Ekpiku's contact number. I 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. Ekpiku herbal medicine, I'm very thankful to Dr. Ekpiku and very happy with my hubby and family. email him on ekpikuspelhomeofgrace@gmail.com or ekpikuspelhomeofgrace@hotmail.com call +2348073673757 OR whatsup him OR http://ekpikuspellhomeofgrace.blogspot.com/ THESE ARE THE THINGS Dr. Ekpiku. HERPES. HIV/AIDS. CANCER.

    ReplyDelete
  31. Herpes wanted to destroy me, but with the help of Dr.Ekpiku i escaped the death that was on my way, i am here to testifies on how Dr Ekpiku help me to cure my sickness called Herpes which has been eating me up for 2 years and 4 months, i also saw online how he has cured so many people, Dr Ekpiku is a great herbalist that treats and cure all manner of diseases like Herpes, HIV, Cancer, Syphilis, Hepatitis B, all types of Cancer, Gonorrhea, and solves life's problems that you might have etc.. contact him today and he will help you solved your problem, contact him via ekpikuspelhomeofgrace@gmail.com or ekpikuspelhomeofgrace@hotmail.com call +2348073673757 OR whatsapp him.

    ReplyDelete
  32. 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 uwawa prepare herbal 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 herpes the doctor gave to me. Right now i can tell you that few months now i have not had any pain, and i have just went for text last week and the doctor confirmed that there is no trace of any herpes system on my body. Glory be to God for leading me to this genuine to Dr uwawa I am so happy as i am sharing this testimony. My advice to you all who thinks that their is no cure for herpes that is Not true , Here is his email: dr.uwawaspellcaster150@gmail.com, call phone: +2348054265852, Sir I'm indeed grateful for the help THESE ARE THE THINGS DR UWAWA CAN ALSO DO CURING OF HERPES, GONORRHEA, HIV/AIDS ,LOW SPERM COUNT, MENOPAUSE DISEASE, PREGNANCY PROBLEM, SHORT SIGHTEDNESS PROBLEM, STROKE. Sir i am indeed grateful for the help, i will forever recommend my friends to you.

    ReplyDelete
  33. Hello Y'all, I am Christopher Tommy Howard, From San Jose, California, USA. I am using this medium to tell the world about THE AMAZING DR. OKIJA, On how he cured my ALS in less than 72 hours, by his miraculous divine healing spell.I suffered this illness called Amyotrophic Lateral Sclerosis, for 2 years, i have been diagnosed in more than five different occasions and there is no cure. I was devastated and almost committed suicide, until a friend of mine introduce me to DR. OKIJA, A Great Spell Caster From West-Africa. I never knew he was so powerful until I seek his help and he cast his divine healing spell and i was cured in less than 72 hours. That was when i knew true divine healing spell exist. I regain back my life and all that I have lost came back to me. All thanks to the great DR. OKIJA, for performing his miraculous divine healing spell, to cure my ALS Sickness.
    You too can contact him now in any problems you are facing right now via email: dr.okijaspellshrine@hotmail.com
    I promise to keep on sharing your goodness to the world doctor.

    Christopher T. Howard,
    San Jose, California, USA.

    ReplyDelete
  34. I am here to give my testimony about a doctor who helped me in my life. I was infected with HERPES SIMPLEX VIRUS in 2010, i went to many hospitals for cure but there was no solution, so I was thinking how can I get a solution out so that my body can be okay. One day I was in the river side thinking where I can go to get solution. so a lady walked to me telling me why am I so sad and i open up all to her telling her my problem, she told me that she can help me out, she introduce me to a doctor who uses herbal medication to cure HERPES SIMPLEX VIRUS and gave me his email, so i mail him. He told me all the things I need to do and also give me instructions to take, which I followed properly. Before I knew what is happening after two weeks the HERPES SIMPLEX VIRUS that was in my body got vanished . so if you are also heart broken and also need a help, you can also email him at: dr.babaokadigbo@hotmail.com

    ReplyDelete
  35. My Name is Alan Pratte, From USA. I wish to share my testimonies with the general public about what this man called Dr OTIS DARKO has just done for me , this man has just brought back my lost Ex WIFE to me with his great spell, I was married to this woman called Sharon we were together for a long time and we loved our self’s but when I was unable to make her pregnant for me and also give her al she needs she left me and told me she can’t continue anymore then I was now looking for ways to get her back until a friend of mine told me about this man and gave his contact email: otisdarko60@yahoo.com then you won't believe this when I contacted this man on my problems he prepared this spell cast and bring my lost WIFE back, and after a month she became pregnant for me because he gave me some herbs to take also and when she went for a test and the result stated that she was pregnant am happy today am a FATHER of a baby girl, thank you once again the great DR OTIS DARKO for what you have done for me, if you are out there passing through any of this problems listed below:

    1) If you want your ex back.
    (2) if you always have bad dreams.
    (3) You want to be promoted in your office.
    (4) You want women/men to run after you.
    (5) If you want a child/PREGNANCY SPELL.
    (6) You want to be rich.
    (7) You want to tie your husband/wife to be
    yours forever.
    (8) If you need financial assistance.
    (9) How you been scammed and you want to recover you lost money.
    (10)Stop Divorce
    (11) CURE TO ALL KIND OF SICKNESS/DISEASES HERE
    (12) Winning of lottery
    (13) Cure To Hiv/Aids
    (14) LOTTERY/LOTTO SPELL WINNING
    (14) HAVE YOU BEEN SCAMMED BEFORE AND NEEDS TO RECOVER ALL THE DOLLARS/MONEY YOU LOST TO THESE FRAUDSTER ???.. CONTACT OTIS DARKO AS HE HELPED MY FRIEND CALLED WILLIANSM FROM USA TO RECOVER BACK THE SUM OF $300,000.00 DOLLARS HE LOST TO SCAMMERS ONLINE

    Email... otisdarko60@yahoo.com...... YOU CAN ALSO ADD US UP ON WHATSAPP USING THIS MOBILE NUMBER:+2348077526136

    ReplyDelete
  36. Need a spell caster?then think of Dr Otis Darko he is real reliable and he does what he promise you.I know all this because he helped with my marriage problem.For security reason i will not live my name here but i can tell you all he did to help me.Me and my family live in the US military base here in America,my wife is a solider and i love it that she is and i support.But being a solider means she is half my wife and fully the U.S army.before her three tour we were so in love and we had a kid son who we both love him.It all changed after her two tour in Iraq and Afghanistan,i noticed the distance her second tour she stopped call at first i thought maybe she was part of an accident but i found out that she was OK in Afghanistan.She explained that she always on patrol.It got ugly on the third. I guess in the last two tours she found herself a new lover and then totally forgetting me and our boy.I can not say i did not notice because she always has to be some where instead of with me,coming up with some silly excuse not to be with me that is ( have sex ) and her entire behavior told me all i needed to know. i did my research and i had a hint that it was her squad lieutenant. I had know evidence so a could not take the matter to any body.It killed me to seeing this happen i was going suicidal.What hurt me the most was she going home knowing that i suspect she infidelity,she kept lying to me over and over again.The power of positive thinking helped me a lot.I thought that maybe i can find in the help on the internet with the people who had being in the same problem with him.I found a lot of ways but nor worked except Dr Otis Darko spell.At that time five month ago i was so confused that i could do anything to get my wife back so i contacted Dr Otis Darko with his email address i saw in some comment on the internet at otisdarko60@yahoo.com. I laid down my problem to him and told him the entire story and he even confirmed my hint was right, how he did i do not know but he was right because my wife told me later after the spell was made effective. Dr Otis Darko cast a spell on them both do not know what he did but it seem he made them both forget they ever crossed path romantically speaking like they never know each other expect there official relationship that is squad leader and solider.I owe my life to DR OTIS DARKO what he did saved my marriage.I can tell you this because i have tried and it worked for me.Your case also have a solution with Dr Otis Darko contact him with his email otisdarko60@yahoo.com.................... YOU CAN ALSO ADD US UP ON WHATSAPP USING THIS MOBILE NUMBER:+2348077526136

    ReplyDelete
  37. Am writing this article to appreciate the good work of DR OTIS DARKO that helped me recently to bring back my wife that left me for another man for no reason for the past 3 years. After seeing a post of a woman on the internet testifying of how she was helped by DR OTIS DARKO. I also decided to contact him for help because all i wanted was for me to get my wife, happiness and to make sure that my child grows up with his mother. Am happy today that he helped me and i can proudly say that my wife is now with me again and she is now in love with me like never before. Are you in need of any help in your relationship like getting back your man, wife, boyfriend, girlfriend, winning of lotteries, herbal cure for sickness or job promotion E.T.C. Viewers reading my post that needs the help of DR OTIS DARKO should contact him now on his E-mail: otisdarko60@yahoo.com

    ReplyDelete
  38. I am just another person that as i would say, the ' GREAT SPELL CASTER OTIS DARKO ' has helped word can not describe all he did for me i would rather you all that would read this were all in my life when all what he did for me materialized because only then will you really believe what i am talking about. I was not born with a royal blood and i do not even come from a decent family by decent i mean a family with wealth and all that and it was more than normal that my relationship with a royal blood will cause a lot of feud in both my home and that of my fiance. Yes he from a royal family but i will not mentions anything else in other to avoid scandal. We meant on a faithful Sunday in church and just like that he swept me off my feet i knew he was the prince but that was not while i fell for him it was more like i fell for him because he seem calm and always at else with everything it was like he did not even see himself as a prince. May be you may think its because it was not next in line but when i got to really know him, i saw that he was just an unembellished person that wanted to live his life in peace. It all start with us being friend and then on every night of Christmas 2004 that he spent at my house he kissed me and believe me in my mind i was Cinderella. It was like my heart was going to burst in flame i never knew i had all those feelings locked away in my heart but he broke the chain that was holding it back with just one kiss. Even when he wanted to be with me he family was again it and it was always like i was the root of what ever problem he was going through with his family. I thought to myself, i can not be the one to take the peace he had i felt he was better and at else without me. We where always of and on and all the while he waited for me with the biggest of hope that i will come back. I knew he was madly in love with me as i was in love with him but being with him was a problem as much as not being with him. His family won't let him be with with me. They opposed our relationship for nine years we where in love but unhappy our relationship was going no where with all the feud. I could no longer be the one an entire family hate and the same time be in love with a guy that his family did not want me. I some how some way got to know about OTIS DARKO a spell cast a great one at that. All i want was to be with my now fiance forever and to be loved and cared for by his family just as it suppose to be. I asked him to help me make my heart desires materialize because i saw a lot of testimonies on the internet about him and the number of people he helped everybody and every blog and forum had his name and his work. I needed to be one of the people he helped. After a lot of conversation he agreed to help me and asked that i get some materials he listed for me. I could get them but i would have made too many people ask question and it needed to be done in a very low profile so i wired the total cost to him so that he can get the materials i needed for the spell and there by avoid exposing myself over what should have be done in secret until the spell process was completed. Yes OTIS DARKO helped me with he spell and he send me a package containing what i can not disclose all i can say is that it was the result of the spell he helped me cast and he gave instruction on how i would use it to make the spell effective. I did all he asked of me and just like he promise me at the beginning, the spell made my fiance entire family love respect and treat me like their own child. To me i would say that OTIS DARKO was my fairy godmother because maybe right now my life would have be miserable basically because i would have had to let go of the love of my life because no one or more like his family would not approve our union. Contact OTIS DARKO because you will only be helping yourself and yourself only use this email as contact otisdarko60@yahoo.com

    ReplyDelete
  39. Greetings To Everyone,


    This is my testimony on how I won $3,471,009 million William Deluca, from USA I want to use this opportunity to thank Great DR OTIS DARKO for helping me to win the lottery of $66 million lottery ticket.I have been playing the lottery for the past 5 years now and I have never won. Ever since then I have not been able to win and I was so upset and I need help to win the lottery so I decided to go online and search for help, there I saw so many good testimony about this man called Great DR OTIS DARKO of how he have cast lucky spell lotto for people to win the lottery. I contacted him also and told him I want to win a lottery, he cast a spell for me which I used and I played and won $3,471,009 million dollars. I am so grateful to this man, just in-case you also need him to help you win, you can contact him through his email: otisdarko60@yahoo.com and he will surely help you......This is my testimony page as you can go through this it now on how I was given the check OK: http://www.megamillions.com/winners-gallery/man-finds-out-he%E2%80%99s-a-millionaire-while-buying-valentine%E2%80%99s-surprise-for-wife . ... HIS EMAIL ADDRESS IS: otisdarko60@yahoo.com as he is so powerful and also he has solution to other problems you must have been facing in life also.....

    ReplyDelete

  40. Midred Jackson Says

    Am giving this testimony cos am happy

    My name is Midred Jackson from Michigan I never believed in love spells or magic until i met this spell caster once. when i went to Africa in June 28th 2015 this year on a business summit. i ment a man called DR OTIS DARKO. He is powerful he could help you cast a spells to bring back my love’s gone,misbehaving lover looking for some one to love you, bring back lost money and magic money spell or spell for a good job.i’m now happy & a living testimony cos the man i had wanted to marry left me 3 weeks before our wedding and my life was upside down cos our relationship has been on for 2 years… i really loved him, but his mother was against me and he had no good paying job. so when i met this spell caster, i told him what happened and explained the situation of things to him..at first i was undecided,skeptical and doubtful, but i just gave it a try. and in 6 days when i returned to taxes, my boyfriend (is now my husband ) he called me by himself and came to me apologizing that everything had been settled with his mom and family and he got a new job interview so we should get married..i didn’t believe it cos the spell caster only asked for my name and my boyfriends name and all i wanted him to do… well we are happily married now and we are expecting our little kid,and my husband also got a new job and our lives became much better. in case anyone needs the spell caster for some help, email address: otisdarko60@yahoo.com

    GREAT OTIS DARKO I thank you very much thank you in 1000000 times.. if not you I would have been losted and wasted thank you. Email Him Through his email address... otisdarko60@yahoo.com

    please make sure you contact him for any financial difficulties okay..

    What a powerful man such as DR OTIS DARKO.. he is so much powerful..\\ email him for any difficulties.. otisdarko60@yahoo.com................... YOU CAN ALSO ADD US UP ON WHATSAPP USING THIS MOBILE NUMBER:+2348077526136

    ReplyDelete
  41. My Name is Alan Pratte, From USA. I wish to share my testimonies with the general public about what this man called Dr OTIS DARKO has just done for me , this man has just brought back my lost Ex WIFE to me with his great spell, I was married to this woman called Sharon we were together for a long time and we loved our self’s but when I was unable to make her pregnant for me and also give her al she needs she left me and told me she can’t continue anymore then I was now looking for ways to get her back until a friend of mine told me about this man and gave his contact email: otisdarko60@yahoo.com then you won't believe this when I contacted this man on my problems he prepared this spell cast and bring my lost WIFE back, and after a month she became pregnant for me because he gave me some herbs to take also and when she went for a test and the result stated that she was pregnant am happy today am a FATHER of a baby girl, thank you once again the great DR OTIS DARKO for what you have done for me, if you are out there passing through any of this problems listed below:

    1) If you want your ex back.
    (2) if you always have bad dreams.
    (3) You want to be promoted in your office.
    (4) You want women/men to run after you.
    (5) If you want a child/PREGNANCY SPELL.
    (6) You want to be rich.
    (7) You want to tie your husband/wife to be
    yours forever.
    (8) If you need financial assistance.
    (9) How you been scammed and you want to recover you lost money.
    (10)Stop Divorce
    (11) CURE TO ALL KIND OF SICKNESS/DISEASES HERE
    (12) Winning of lottery
    (13) Cure To Hiv/Aids
    (14) LOTTERY/LOTTO SPELL WINNING
    (14) HAVE YOU BEEN SCAMMED BEFORE AND NEEDS TO RECOVER ALL THE DOLLARS/MONEY YOU LOST TO THESE FRAUDSTER ???.. CONTACT OTIS DARKO AS HE HELPED MY FRIEND CALLED WILLIANSM FROM USA TO RECOVER BACK THE SUM OF $300,000.00 DOLLARS HE LOST TO SCAMMERS ONLINE

    Email... otisdarko60@yahoo.com...... YOU CAN ALSO ADD US UP ON WHATSAPP USING THIS MOBILE NUMBER:+2348077526136

    ReplyDelete
  42. GET RID OF HERPES BY A HERBALIST DOCTOR CALL DR OLUBAOLUBAES
    ,
    i want to give almighty praise to DR OLUBAOLUBA who help me cure Herpes simplex virus, please help me to give thanks to him he is a great man who God send from heaven to save people’s life, when i contacted this deadly virus i thought that was the end of the world, latter did i know that there is a man called DR OLUBAOLUBA OF AFRICA who has made a breakthrough in the cure of HSV-1 and HSV-2 cure with herbs which i confided in a friend here in SOUTH AFRICA he told me about this man called DR OLUBAOLUBA and how he cured the mum and dad of HSV-1 and HSV-2 after two years of living with this deadly diseases he told me of the cost and procedure i felt it worth a try after i have been spending so much in the drugs to make me live like every normal human being so i contacted DR OLUBAOLUBA and did as he commanded without missing wo rds he did all he needed to do and sent me the herbs here in south Africa through DHL i took it as he directed it was exactly 14 days as DR OLUBAOLUBA has spoken when he emailed me and told me to go for a check up again and i went, to my greatest surprise i tested negative i felt it was a dream so i went to three different hospital and it was still negative then i cried out in a loud voice and peopleG gathered in the hospital and i told them my story in tears how this man called DR OLUBAOLUBA have saved my life and they started demanding for his mail to contact him it was only last week my friend Vanessa who was HSV positive came back from visiting DR OLUBAOLUBA as a healthy woman i told her about DR OLUBAOLUBA you can reach him through his emai address olubahivherbalcure@gmail.com or +2348131258106 he never fails hold on my friend don't cry no more when our helper is here i believe in him am sure you will be lucky as i am too just email him on olubahivherbalcure@gmail.com he is a savior of life.....

    ReplyDelete
  43. I really happy that i and my husband are cured of (HERPES SIMPLEX VIRUS) with the herbal medicine of Dr Okorodu , i have been suffering from this disease for the past 3 years without solution until i came across the email of this doctors who have cure so many people with his herbal medicine, i also choose to give him a chance to help me and my husband, he told me what to do and i kindly did it, and he gave us his herbal medicine and direct me on how to use it, i also follows his instruction for use and he ask us to go for a check up after 3 weeks and which i did, to my greatest surprise our result came out as negative, we are really happy that there is someone like this DR who is ready to help anytime any day. to all the readers and viewers that is doubting this testimony stop doubting it and contact this Dr and see if he will not actually help you. i am not a stupid woman that i will come out to the public and start saying what someone have not done for me. drokorodu@gmail.com

    ReplyDelete
  44. MY HERPES HEALING TESTIMONY, hello everybody i want to testify about this great man called DR, EHI, Herpes wanted to destroy me, but with the help of Dr.Ehi i escaped the death that was on my way, i am here to testifies on how Dr Ehi help me to cure my sickness called Herpes which has been eating me up for 2 years and 4 months, i also saw online how he has cured so many people, Dr Ehi is a great herbalist that treats and cure all manner of diseases like Herpes, HIV, Cancer, Syphilis, Hepatitis B, all types of Cancer, Gonorrhea, and solves life's problems that you might have etc.. contact him today and he will help you solved your problem, contact him via ehigraceherpescure@gmail.com or visit his websites http://ehigraceherbalhivcure.webs.com . THESE ARE THE THINGS Dr. Ehi. HERPES. HIV/AIDS.ALS , WEAK ERECTION EJACULATION, WITCH CRAFT PROBLEM, NEED YOUR EX BACK, PERFECT CHARM CANCER. simply contact him direct call +2348071635034 or whatsapp

    ReplyDelete
  45. GET RID OF HERPES BY A HERBALIST DOCTOR CALL DR OLUBAOLUBAES
    ,
    i want to give almighty praise to DR OLUBAOLUBA who help me cure Herpes simplex virus, please help me to give thanks to him he is a great man who God send from heaven to save people’s life, when i contacted this deadly virus i thought that was the end of the world, latter did i know that there is a man called DR OLUBAOLUBA OF AFRICA who has made a breakthrough in the cure of HSV-1 and HSV-2 cure with herbs which i confided in a friend here in SOUTH AFRICA he told me about this man called DR OLUBAOLUBA and how he cured the mum and dad of HSV-1 and HSV-2 after two years of living with this deadly diseases he told me of the cost and procedure i felt it worth a try after i have been spending so much in the drugs to make me live like every normal human being so i contacted DR OLUBAOLUBA and did as he commanded without missing wo rds he did all he needed to do and sent me the herbs here in south Africa through DHL i took it as he directed it was exactly 14 days as DR OLUBAOLUBA has spoken when he emailed me and told me to go for a check up again and i went, to my greatest surprise i tested negative i felt it was a dream so i went to three different hospital and it was still negative then i cried out in a loud voice and peopleG gathered in the hospital and i told them my story in tears how this man called DR OLUBAOLUBA have saved my life and they started demanding for his mail to contact him it was only last week my friend Vanessa who was HSV positive came back from visiting DR OLUBAOLUBA as a healthy woman i told her about DR OLUBAOLUBA you can reach him through his emai address olubahivherbalcure@gmail.com or +2348131258106 he never fails hold on my friend don't cry no more when our helper is here i believe in him am sure you will be lucky as i am too just email him on olubahivherbalcure@gmail.com he is a savior of life.....

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  46. Greetings to the general public, i want to let every one know on how i was cured of HERPES Simplex Virus by a Doctor called Dr. Josh. I visited different hospital but they gave me list of drugs like Famvir, Zovirax, and Valtrex which is very expensive to treat the symptoms and never cured me. I was browsing through the Internet searching for remedy on HERPES and i saw comment of people talking about how Doctor Josh cured them. when i contacted him he gave me hope and send a Herbal medicine to me that i took and it seriously worked for me, i am a free person now without problem, my HERPES result came out negative. I pray for you Dr. Josh God will give you a long life so that you will keep helping people, you shall not die before your time for being a sincere and great men. Am so happy, you can also contact him if you have any problem Email drjoshhealingtemple@gmail.com


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  47. Are you sick? Have you been battling with strange and funny illnesses? Are you in a situation whereby the doctors have done necessary tests and said there isn’t anything wrong with you? ... These were all my stories until I met with a total cure for them all... His name is Dr. uwa says my mom... I was almost at the point of death. It was that serious that I was just placed on life support even as the doctors didn’t know what was wrong with me. My mom just came to my hospital bed one morning and said she had found a solution to all of my sufferings (because that was what I referred to the situation I was in then)... She said she was going through the internet and she came across some testimonies of how some people who had similar cases as mine were all cured off their illnesses through the power of this voodoo man. Without hesitation, I told her to contact the man, Which she did and she went on with the procedures as instructed her by this voodoo man (these procedures, I wasn’t aware of because I was in a really bad shape then, And whenever I asked my mom she would say I shouldn’t bother myself about that...that it was something she could handle). Not to bore you readers with too much of my story, in seven days from that day my mom told me about the voodoo man, I was cured off this killer disease that was at the verge of taking my life. Want to share your testimony like me? Contact the voodoo man on his direct email address... druwaherbalcenter@gmail.com or atidispelltemple@gmail.com (his mobile or whataspp number is +2348063930531)... I AM NOW A HAPPY AND HEALTHY YOUNG MAN ONCE AGAIN...THANKS TO DR. uwa
    he is also specialize on curing the following:
    1. HIV AIDS
    2. Herpes Cure
    3. lotto spell
    4.bring back ex lover

    Alvin Morgan
    From Usa

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  48. hello friends I am Wanda dancy from U S A. God is be really good to me in my life, before people said there is no cure on H.P.V TYPE, but today many people have now believe that there is a cure FOR H.P.V/ IT can be cured through Africans root and herbs, our great doctors have finally found the cure of H.P.V, many have get cured with the help of a great spell caster known as Dr uwa he's the one of the great spell herbal doctor in Africa and he has the cure on this disease H.P.V/TYPE 1 TYPE 2 TYPE 3 AND TYPE 4. TYPE 5, human papilomavirus, genital warts, herpes, syphilis, cancer, hepatitis a b and c. hire blood pressures, body disease, diabetics, epilepsy, HIV aids, pregnancy,ALS and many difference kinds of diseases, last month he share is Herbal medicine in some medical hospital and now he is well recognize as one of the best spell caster in Africa, you don't have to be sad any more or share your tears any more on this disease when the cure have already be found. in 2015 the total number of people living with H.P.V was 5.8 million but today the total number is now 2.0 million, if you want to get in touch with him in private contact him on this e-mail below: druwaherbalcenter@gmail.com cell phone contact +2349052627511 his whatsapp contact is +2348063930531. so now contact him and get rid of your disease immediately because this disease are not melt for us, with GOD all things are possible, so GOD has use this great dr uwa of dr uwa herbal center to let people no that this disease are not actually melt for us. and also here is my email address you can get in contact with me if you wish to no more about this great wonderful herbal doctor that has so much made me believe in him ok, so here is my email address wandadancy1@gmail.com thanks everybody and most especially you dr uwa of druwaherbalcenter@gmail.com

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  49. AM SHORT OF WARDS DR SAM HAS CURED MY SIMPLEX VIRUS CURE IN THIS WORLD, MY NAME IS (ANGELA CHRIS) AM FROM UNITED KINGDOM. I SAW PEOPLE TESTIMONY ON BLOG, FACEBOOK, AND MANY OTHER SOCIAL NETWORK, ON HOW DR SAM PREPARE A HERBAL CURE THAT CURE THEM TOTALLY AND BROUGHT THEM BACK TO LIFE AGAIN. AT FIRST I DOUBT IT BECAUSE I HAVE DONE MANY THINGS TO CURE IT BUT ALL MY EFFORT MAKE THE HERPES SIMPLEX VIRUS WORST TO THE EXTENT THAT MY HUSBAND AND CHILDREN WHERE RUNNING FROM ME SO THAT THEY WILL NOT BE AFFECTED WITH IT, I ALMOST TOOK MY LIFE WHEN I CONTACTED DR SAM FOR HELP, BECAUSE THERE IS A SAYING THAT THERE IS NO HARM IN TRYING. HE TOLD ME NOT TO WORRY THAT THE VIRUS IS NOTHING FOR HIM TO CURE, WHAT CAN I DO THAN TO GIVE HIM A CHANCE TO HELP ME,. WHEN I RECEIVE THE HERBS FROM HIM I DRINK IT FOR ONLY THREE DAYS BEHOLD THE NEXT DAY WHEN I WAKE UP I FOUND OUT THAT AM TOTALLY FREE FROM THE VIRUS. TODAY AM A HAPPY WOMAN BECAUSE I WAS ALREADY CLOSE TO MY GRAVE WHEN I MEET HIM FOR HELP AND AM TOTALLY FREE NOW, AND ALL MY FAMILY MEMBERS CAME BACK TO ME AND WE ARE HAPPY FAMILY NOW. I INTRODUCE MORE THAN TEN PEOPLE TO HIM TODAY THEY ARE TOTALLY FREE FROM THE HERPES VIRUS, I DON'T KNOW WHAT TO SAY DR BUT ALL I WANT TO SAY IS THANKS FOR BRINGING ME BACK TO LIFE, AND I WILL KEEP ON TESTIFYING FOR YOUR GOOD WORK TILL I DIE DR SAM, PLEASE THIS MAN IS SURE AND 100% GUARANTEE CONTACT HIM IF YOU HAVE THE SAME VIRUS OR YOU HAVE SOMEONE CLOSE TO YOU THAT IS DIEING OF IT, CONTACT HIM NOW THROUGH EMAIL AND WHAT-SAP. drsamherpescurehome@gmail.com or drsamherpescurehome@outlook.com WHAT-SAP NUMBER +2348036251844. THANKS DR I OWN YOU MY LIFE.

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  50. I am from UNITED STATE OF AMENRICA. I was in trouble when doctor told me that I have been diagnosed with Genital Herpes... I though 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 surfing the internet I found Dr.OJEMEN contact number. I 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. OJEMEN herbal medicine, I'm very thankful to Dr.OJEMEN and very happy with my hubby and family. email him on drojemenspellhome@hotmail.com or call him +2349052116214

    DOCTOR OJEMEN CAN AS WELL CURE THE FOLLOWING DISEASE BELOW.

    1 cancer
    2 stroke,
    3 HIV
    4 herpes
    5 ulcer
    6 Hepatitis disease
    7 Diabities

    kindly email doctor Ojemen for you own cure if you have any disease listed above via :drojemenspellhome@hotmail.com or call him +2349052116214.

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  51. Good day every one i want to inform the general public how i was cured of Herpes Virus Patient for good Five years i was loosing hope on myself my Boyfriend ran away from me because of my situation one day i was online and i met a recommend on how Dr Suku help her to cure herpes,so i still continue search i saw a testimony of someone again who has been healed from "HIV AND HEPATITIS B" by this Man Dr Suku and she also gave the email address of this man and advise we should contact him for any sickness that he would be of help, so i email Dr Suku telling him about my HERPES Virus he told me not to worry that i was going to be cured...oh i never believed it,well after all the procedures and remedy given to me by this man 2 weeks later i started experiencing changes all over me as the Dr Suku assured me that i have cured,after some time i went to my doctor to confirmed if i have be finally healed behold it was TRUE,hat is why i want you to join me thank Dr Suku for saving my life if you need help please contact him via email;greatsukusolutiontemple@hotmail.com or his cell number +2348074839242, his web/site http://greatsukusolutiont.wix.com/dr-suku

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  52. Good day every one i want to inform the general public how i was cured of Herpes Virus Patient for good Five years i was loosing hope on myself my Boyfriend ran away from me because of my situation one day i was online and i met a recommend on how Dr Suku help her to cure herpes,so i still continue search i saw a testimony of someone again who has been healed from "HIV AND HEPATITIS B" by this Man Dr Suku and she also gave the email address of this man and advise we should contact him for any sickness that he would be of help, so i email Dr Suku telling him about my HERPES Virus he told me not to worry that i was going to be cured...oh i never believed it,well after all the procedures and remedy given to me by this man 2 weeks later i started experiencing changes all over me as the Dr Suku assured me that i have cured,after some time i went to my doctor to confirmed if i have be finally healed behold it was TRUE,hat is why i want you to join me thank Dr Suku for saving my life if you need help please contact him via email;greatsukusolutiontemple@hotmail.com or his cell number +2348074839242, his web/site http://greatsukusolutiont.wix.com/dr-suku..

    ReplyDelete
  53. Welcome to Illuminati brotherhood where you can become rich famous and popular and your life story we be change totally for good, I am here to share my testimony on how I join the great brotherhood Illuminati and my life story was change immediately . I was very poor no job and I has no money to even feed and take care of my family I was confuse in life I don’t know what to do I try all my possible best to get money but no one work out for me. each day I share tears, I was just looking out my family no money to take care of them until one day I decided to join the great Illuminati , I come across them in the internet I never believe I said let me try I email them. all what they said we happen in my life just started it was like a dream to me they really change my story totally . They give me the sum of $ 100.000.00 and many things. through the Illuminati I was able to become rich, and have many industry on my own and become famous and popular in my country , today me and my family is living happily and I am the most happiest man. here is the opportunity for you to join the Illuminati and become rich and famous in life and be like other people and your life we be change totally.If you are interested in joining the great brotherhood Illuminati.then contact us email: iluminatirichesthome@gmail.com or Call at: +2348112163945.

    ReplyDelete
  54. Hi Friends i am so glad to write this article today to tell the world how Dr Ekpiku cured my HSV VIRUS,i have been detected with HSV-1 AND HSV-2 since five years ago, ever since then my life has been in complete bizarre and agony,i have used so many drugs that was prescribed to me by several doctors,but it didn't cure my HSV VIRUS neither did it reduce the pain,until a certain i was checking for solution in the internet,then miraculously came across Dr Ekpiku the powerful herbalist that cure numerous individuals HSV-1 AND HSV-2 INFECTION,then i contacted his email: ekpikuspellhomeofgrace@gmail.com i explained everything to him and prepared a cure that cure my HSV-1 AND HSV-2 disease totally after receiving his herbal medicine, so my friends viewers why wait and be suffer when there is someone like Dr Ekpiku that can cure any disease HIV/ CANCER/ HEPATITIS B VIRUS, you can contact his via: ekpikuspellhomeofgrace@hotmail.com or whatapps, call +2348073673757.

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  55. I never knew people still have powers and make things happen this way. All Thanks Goes to DR OSAUYI for the joy he brought to my life i was married to my husband, and we were living fine and happy family. it come to an extend that my husband that use to love and care for me, those not have my time again, until i fined at that he was having an affair with another woman, i try to stop him,all my effort was in-vain sadly he divorce me and went for the woman. he live me with three of our kids, i cry all day, i was in pains, sorrow and looking for help. i was reading a news paper, i saw how DR OSAUYI help people with his love and reuniting spell. so i decided to contact him and explain my problem to him I still can't believe my very eyes, because it's highly unbelievable, it's just too good to be true. All I can say is thank you DR Osauyi for bringing back my husband to me and my child and for anyone who might need the help of this great spell caster please permit me to drop his mail here (Osauyilovespell@yahoo.com OR you can call the great man on +2347064294395,,,.,...

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  56. I have been suffering from (HERPES SIMPLEX VIRUS) disease for the past four years and had constant pain, especially in my knees. 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 on search on the internet if i could get any information concerning the prevention of this disease, on my search i saw a testimony of someone who has been healed from (Hepatitis B and Cancer) by this Man Dr oku and she also gave the email address of this man and advise we should contact him for any sickness that he would be of help, so i wrote to Dr. oku telling him about my (HERPES Virus) he told me not to worry that i was going to be cured!! hmm i never believed it,, well after all the procedures and remedy given to me by this man few weeks later i started experiencing changes all over me as the Dr assured me that i have cured,after some time i went to my doctor to confirmed if i have be finally healed behold it was TRUE, So friends my advise is if you have such sickness or any other at all you can email :{okutemple@gmail.com} contact him now to help you too, you can also reach him on phone +2347053113465

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  57. Thank you for your miracle Doctor Osemu Okpamen

    This article is dedicated to the Doctor Osemu Okpamen. I have been married with my wife for 5 years and recently she broke up with me and it hurt me deeply when she told me to leave her alone and that she does not love me anymore when i was always faithful and honest to her. I tried all the ways to get her back buying her what she wants like i always did and she still left me heart broken and she even has a new boyfriend which destroyed me even more until a friend of mine from high school directed me to this genuine spell Doctor called Osemu Okpamen. This man changed my life completely. I followed everything he told me to do and my wife came back begging for me back. I was stunned everything happened exactly like he told me. I had faith in everything he told me and everything was true. Also he was there every moment until i got my happiness back and he also provides spells that cures impotence, bareness, diseases such as HIV/AID E.T.C You can contact him via email at { Doctorokpamenspelltemple@yahoo.com } or visit his website http://www.doctorokpamenspells.com. He will help you in anything you need and quick to answer once you contact him.

    You can also call me for more info +1 (914)-517-3229.

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  58. Hi My name is 'CHERRY SHANE' just want to share my experience with the world on how i got my husband back and saved my marriage... I was married for 7 years with 2 kids we lived happily until things started getting ugly, a point where he filed for divorce... I tried my best to make her change his mind & stay with me cause i loved him so much didn't want to loose him but everything just didn't work out... he moved out of the house and still went ahead to file for divorce... I pleaded and tried everything but still nothing worked. The breakthrough came when someone introduced me to this wonderful, great spell caster who eventually helped me out... I have never been a fan of things like this but just decided to try reluctantly cause I was desperate and left with no choice... He did special prayers and cast a return back spell on him... Within 7 days he called me and was sorry for all the emotional trauma he had cost me, moved back to the house and we continue to live happily, the kids are happy too and we are expecting our third child. I have introduced him to a lot of couples with problems across the world and they have had good news... Just thought I should share my experience cause I strongly believe someone out there need's it... You can email him via eromosalespelltemple@gmail.com website http://eromosalspiritualtemple.webs.com or call him with +2348161850195..

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  59. Hi everyone, I'm 39 years old male and I contacted the virus in 2004. I did get bad outbreaks for a while, and used to take valtrax. I hated that medicine, so i stopped it however was having outbreaks several times a year. VERY PAINFUL. A year ago I decided to seach for the herpes cure, bc I too believe there is one somewhere in this world. I came across zeolite (which i tried but did not cure me) and the H2O2 protocol (ingesting 35% food grade hydrogen peroxide for 30 days, per the books written by people claiming their tests came back negative). I could only do 13 days of that because the taste of the h2o2 was making me sick. So needless to say, that did not help either. As of the past 6 months,until i saw a post in a health forum about a herbal doctor from Africa who prepares herbal cure to cure all kind of diseases and virus including ALS, MND,HIV,Epilepsy, Leukemia, Asthma, Cancer, Gonorrhea etc, at first i doubted if it was real but decided to give it a try, when i contact this herbal doctor via his email, he prepared an herpes herbal portion and sent it to me via courier service, when i received this herbal portion, he gave me step by step instructions on how to apply it, when i applied it as instructed, i was cured of this deadly disease within 7 days, I could not walk or talk understandably before but after i took the herbal cure as he instructed i regained strength in my bones and i could talk properly unlike before, I am now free from the deadly virus, all thanks to Dr. Contact this great herbal doctor via his email drnogaduherbalist@gmail.com

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  60. Herpes Virus cure with the help of natural herbal medication for herpes and Human Papilloma Virus cure do contact Dr Uyi for help and for any other disease [ SICKNESS ] for solution.

    Herpes and HPV being Sexually Transmitted Diseases (STDs) can severely restrict one’s social and love life. Many people suffering from these conditions choose to remain silent, thus living a life filled completely with loneliness and frustration. But life isn’t over yet. You can not only find support with millions of other people with the same condition. I bring to you good news that can get you a permanent cure through real and effective herbal cure. He cured me and could cure you too, contact Dr Uyi via his email: uyiherbalmedicationcenter@gmail.com call or whatsAPP Him with this number: +2348077199766.

    Via WEBSITE: https://uyiherbalmedicatio.wixsite.com/uyiherbscenter

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