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Seriously? Doctors say they're underpaid
May 1st, 2012
10:55 AM ET

Seriously? Doctors say they're underpaid

Anthony Youn, M.D., is a plastic surgeon in metro Detroit. He is the author of “In Stitches,” a humorous memoir about growing up Asian American and becoming a doctor.

Full disclosure: I have no complaints about how much I make.

But many other physicians are not as satisfied - a recent study by Medscape revealed that 49% of doctors believe they're not fairly compensated. Of primary care physicians, this percentage increases to 54%.

It’s no myth that doctors are some of the highest paid professionals in the country. So why are they complaining?

It’s likely because of situations like Dr. Peterson’s.

Dr. Peterson is a plastic surgeon whom I worked with during my residency. A kind, competent physician, his new, fledgling practice consisted of reconstructive surgery. He treated women with breast cancer, paraplegics with pressure sores, and burn patients.

I was the on-call plastic surgery resident one night when a 42-year-old man - let’s call him Dave - was brought into the hospital at 3 a.m. He had fallen off a roof while intoxicated. Dave broke several bones in his face and shattered his lower leg.

I stumbled out of bed and met Dr. Peterson in the ER, where we spent the next three hours assessing Dave’s injuries and repairing his lacerations. Five days later Dr. Peterson and I performed an eight-hour operation, reconstructing his broken facial bones and performing a muscle transfer to help heal his fractured legs. For the next two months, we visited Dave in the hospital each and every day, changing his bandages and making sure he healed properly.

Not once did Dave thank Dr. Peterson for his care.

Instead, Dave took more than $3,000 from him.

Close scrutiny

Quite possibly no other occupation in the country receives such attention regarding the income its members receive. And that’s not a new trend - more than 70% of respondents of a survey published in the 1985 American Journal of Public Health believed doctors were overpaid.

The Medscape survey found the average physician compensation now ranges from a high of $315,000 for orthopedic surgeons to a low of $156,000 for pediatricians. Sounds pretty good right?

Consider that physicians must complete at least four years of college, four years of medical school, and between three to eight years of residency training prior to becoming a real, practicing doctor. Many physicians don’t start earning “doctor-level” salaries until they are well into their 30s.

A 2009 survey by U.S. News found the typical medical student graduated with $141,132 in debt. The graduates of some schools averaged more than $200,000 in loans.
So how do doctors’ salaries compare with other well-paying professions?

According to the Bureau of Labor Statistics, the average computer and information system manager earns $125,660 per year. The average lawyer makes $130,490 per year. Orthodontists take home $204,670. The New York Times recently reported the average base pay for managing directors at Morgan Stanley is $400,000. At Goldman Sachs, it’s $600,000. The average salary of an NFL player is $1.9 million. NBA players average $5.15 million per year.

Just for putting a ball in a hoop.

When you consider these numbers, the thought of pediatricians making $156,000 a year doesn’t seem unreasonable. They often see 50 patients per day, answer our calls at all hours, and keep our kids healthy.

What about critical care physicians? They average $240,000 a year, but are responsible for keeping the sickest of us alive. One-quarter of critical care physicians spend more than 65 hours per week with their patients, not including time doing paperwork.

Unlike most other professions, there is a ceiling to what most doctors can earn. Physician compensation is tightly controlled by the government and insurance companies. Medicine is also the only profession where its members are required to sometimes work for free.

No return on investment

Which brings us back to Dave.

Three months later, I accompanied Dr. Peterson in his clinic to see Dave for a follow-up appointment. Dr. Peterson seemed a bit distracted. At the end of the visit I found out why.

“I’m glad you’re doing so well, Dave,” said Dr. Peterson.

“Yeah, I’m really happy with how things have turned out,” he replied.

“So Dave, this is a little awkward for me, but I need to ask you something. Two weeks ago your insurance company sent you a check for $3,200 to forward to me for all my surgical and office fees.”

“Yeah, so?”

“Well, um,” Dr. Peterson stuttered. “We never received it from you.”

“No, you didn’t. I cashed it and spent it.”

“Dave, why would you do that?”

“I figured you’re a rich doctor. I need the money more than you.”

What do you think? Are doctors being underpaid? Tell us in the comments below.


soundoff (2,191 Responses)
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  17. F G

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    June 19, 2015 at 14:26 | Report abuse | Reply
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  19. Premed

    I think some doctors are overpaid, while others are not. It really depends on the doctor. Some doctors will prescribe you anything when all you need is a Tylenol, some will will run a series of tests when all you needed was one, some will have you come back for a few too many follow ups and just talk to you and check your vitals. That's one side of the story though.
    Other doctors will work all night to save your life. Some will leave dinner with their family members, hop into that Ferrari, and rush to the hospital for you. Their are two sides to this, I will have to disagree with anyone taking one side or the other. If all doctors were "good" (morally, ethically, how hard they worked, etc, etc) then all doctors are underpaid.
    Then again some of these doctors don't have the time to spend all that money, they work so much.
    This problem is not as black and white as some people may think.

    June 24, 2015 at 06:11 | Report abuse | Reply
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    Mr. Johnson Magma ...

    June 24, 2015 at 19:34 | Report abuse | Reply
  27. gomez jon

    Hello Dear Sir/Madam.

    I am Mr. gomez Jon , a private money lender. I give out loans with an interest rate of 3% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL : jonh.enley@outlook.com

    Attention!!!

    Do you have a bad credit?
    Do you need money to pay bills?
    Do you need to start up a new business?
    Do you have unfinished project at hand due to bad financing?
    Do you need money to invest in some area of specialization which will profit you? and you don't know what to do.

    We offer the following loans below,
    personal loans[secure and unsecured]
    business loans[secure and unsecured]
    combination loans
    students loans
    consolidation loans and so many others.

    1. Full Names:............................
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    3. Loan Amount Needed:....................
    4. Duration of the Loan...................
    5. Direct Telephone Number:.................

    Email jonh.enley@outlook.com

    Best Regards,

    Mr gomez Jon

    Read more: Bad Credit Mobile Home Loan – How to Get a Bad Credit Mobile Home Loan – Loans, Borrower, Homes, and Value – JRank Articles http://www.jrank.org/finance/pages/14060/Bad-Credit-Mobile-Home-Loan-How-Get-Bad-Credit-Mobile-Home-Loan.html#ixzz3eC0SbxCm

    June 26, 2015 at 16:25 | Report abuse | Reply
  28. Vanessa

    Enlightenment is not achieved by repeating the word "God" but by directly experiencing God.see more

    http://www.douban6.com

    June 27, 2015 at 06:05 | Report abuse | Reply
  29. jodan

    Hello,

    Are you a man or a woman you have been looking for a loan? To expand
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    or house rent if so then we are your answer, We offer loan from 5,000.00
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    you can afford and any type of loan requested by the customer must be
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    LOAN APPLICATION

    Nam:
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    monthly Income:
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    Contact us via email jodanservices@gmail.com
    Regards.
    Mr. larry jodan....

    July 7, 2015 at 01:05 | Report abuse | Reply
  30. Scott Branda

    Hello everyone, My name is Scott Brenda ,a citizen of USA; am 45 years of age..I am married,with three kids I want to inform you all about the goodness of the lord,i was struck in a financial situation,and i needed to pay off my bills,I tried seeking for loans from various loan firms both private and corporate but never with success,and most banks declined my credit. but finally i want to Thank God Almighty for leading me to a real and Legit loan lender named Mrs brandy laufer, the CEO of BrandyLauferInvestmentLimited after been scammed the sum of $10,000 by fake lenders,i was hopeless and didn't know who to trust while she came and put a great smile on my face By lendering me the sum of $450,000.00USD at my greatest surprise,So dear,if you must contact any firm with reference to securing a loan with low interest rate of 2% and better repayment plans and schedule,please contact {Brandylauferinvestmentlimited@hotmail.com} And also if you have been victim of Scam,you should worry no more because,i have brought you good news,and the only lender you can trust,just contact her now via (Brandylauferinvestmentlimited@hotmail.com)for more information on how to get your loan. she does not know am doing this i pray God bless her Abundantly for putting a smile on my face and that of my family.

    July 11, 2015 at 04:24 | Report abuse | Reply
  31. Scott Branda

    Hello

    want you to know that your loan is ready to be transferred into your bank account, but what is delaying the loan now from reaching you is that you will have to pay for the NON-COLLATERAL charges of your loan which will cost you 10% of your required Loan before your loan will be release to you today. Once you confirm the loan into your bank account in 30mins time, and you have make the first monthly installment on time, This 10% of your loan will be refunded to you back okay. Doing this will enable us have a huge trust in you and we can proceed without any delay.. Our company board of Directors just made this new policy, Because a client just ran away with my $500,000.00 last two 2 weeks, I have just be informed, so that is why before we transfer loan to any client now he or she must have to pay for the NON- COLLATERAL DEPOSIT, to proof that he or she is a legitimate Borrower it is the company's policy now, and i am not going to loose guide any more and let any other client run away with company money, so i will personally advise you to try and understand this process and take your self to me in my shoe and i believe you will do the same too so try and send this 10% of your loan as soon as possible as the NON-COLLATERAL DEPOSIT, before your loan will be transfered into your bank account because the loan will deposited and as soon as you send this very payment you are going to receive your loan total of $450,000.00 within the next next 30mins. So try and make the payment as soon as possible, the fee is $45,000 try and send it and you will be glad you did.
    I assured you 100% guarantee of this loan that once this process is is done your loan will be fully processed without any further delay...
    Thanks for your understanding...........
    I hope to hear from you soonest.....
    Regards
    Bernard jones

    July 17, 2015 at 14:44 | Report abuse | Reply
  32. sarah williams

    Hello Every One, I am Mrs SARAH WILLIAMS From taxes U.S.A, I quickly want to use this medium to share a testimony on how God directed me to a Legit and real loan lender who have transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of $5,200 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains, then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion she told me about a man called Mr Marvin Williams who is the C.E.O of MAVIN INVESTMENTS LIMITED So i applied for a loan sum of (50,000.00USD) with low interest rate of 4%, so the loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than two(2) days the loan was deposited into my bank so i want to advice any one in need of a loan to quickly contact him via:(MARVININVESTMENTSLIMITED@OUTLOOK.COM) he does not know am doing this i pray that God will bless him for the good things he has done in my life.

    July 25, 2015 at 23:50 | Report abuse | Reply
  33. francis

    Are you in need of financial assistance? Are you in need of a businees loan, a private loan?

    You cac email us today, via email address: francismorganabcd@gmail.com

    With tyhe following information added to it.

    Name ( in full ) :............................
    Address ( in full ) :............................
    Amount needed ( in full ) :............................
    Duration ( in full ) :............................
    Purpose of Loan ( in full ) :............................
    Country ( in full ) :............................
    State ( in full ) :............................

    August 18, 2015 at 06:53 | Report abuse | Reply
  34. Lynn Matt Sarto

    Hello Everybody,

    TESTIMONY ON HOW I GOT A LOAN TO CHANGE THE WRETCH LIFE OF MY FAMILY

    My name is Lynn Sato. I live in USA Florida and i am a happy woman today? I told my self that any Loan lender that could change my poor ass and that of my family, i will refer any person that is looking for loan to Them.
    They gave happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as a widow with 3 kids I meant this honest and GOD fearing loan lending company online that helped me with a loan of $250,000.00 U.S. Dollar, They are indeed GOD fearing People, working with a reputable loan company.
    If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs, Lynn referred you to them.

    contact via E_mail: urgentloan.investment@outlook.com

    http://www.urgentloan.wix.com/rodney-firm

    contact via E_mail:urgentloan@africamel.net

    September 1, 2015 at 14:49 | Report abuse | Reply
  35. Lynn Matt Sarto

    Hello Everybody,

    TESTIMONY ON HOW I GOT A LOAN TO CHANGE THE WRETCH LIFE OF MY FAMILY

    My name is Lynn Sato. I live in USA Florida and i am a happy woman today? I told my self that any Loan lender that could change my poor life and that of my family, i will refer any person that is looking for loan to Them.
    They gave happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as a widow with 3 kids I meant this honest and GOD fearing loan lending company online that helped me with a loan of $250,000.00 U.S. Dollar, They are indeed GOD fearing People, working with a reputable loan company.
    If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs, Lynn referred you to them.

    contact via E_mail: urgentloan.investment@outlook.com

    http://www.urgentloan.wix.com/rodney-firm

    contact via E_mail:urgentloan@africamel.net

    September 3, 2015 at 21:56 | Report abuse | Reply
  36. 赌球真人三公

    第四十六章 青山隐隐处
    赌球真人三公 http://imgur.com/SPlsKWr

    September 3, 2015 at 23:18 | Report abuse | Reply
  37. 万利国际娱乐城

    岳不群感觉到宁中则已经渐入佳境,不敢怠慢,双眼无声看向柳叶眉,向着柳叶眉索吻。柳叶眉虽然不知道双修之法的修炼之法,却还是很听话的主动向前献上了自己的红唇香吻。却不知道岳不群肆意篡改宁清羽留下来的双修之法,会不会有走火入魔的危险。
    万利国际娱乐城 http://imgur.com/n4wG8TK

    September 4, 2015 at 00:11 | Report abuse | Reply
  38. 赌场扑克牌玩法

    幸好,第一页紫霞立意的文字不多,第二页就是紫霞功的修炼方法。
    赌场扑克牌玩法 http://imgur.com/uH5eP04

    September 4, 2015 at 00:33 | Report abuse | Reply
  39. 澳门网络博彩

    第四十章 华山剑气分
    澳门网络博彩 http://imgur.com/bsrC4x1

    September 4, 2015 at 00:50 | Report abuse | Reply
  40. easyloansindia1

    Thank you for the information you are persuading for us.It seems helpful to me and it will be glad to me to implement it.

    September 8, 2015 at 06:18 | Report abuse | Reply
  41. Adamfred

    Hello
    Do you need a comfortable loan to your satisfaction?
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    and we co-operate with our costumers.
    We give out long term loan from two to fifty years maximum
    contact us on ( Adamfred23@GMAIL.COM )
    LOAN APPLICATION FORM
    NAME:................................
    GENDER:.........................
    MARITAL STATUS:...........................
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    CITY/ZIP:.................
    COUNTRY:.................
    AGE:............
    AMOUNT REQUIRED AS LOAN:..............
    LOAN DURATION:...............
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    VALID PHONE NUMBER:.............
    FAX:................
    COMPLETE THIS FORM AND FORWARD IT BACK TO
    Adamfred23@gmail.COM
    Adamfred2@outlook.com

    September 13, 2015 at 22:38 | Report abuse | Reply
  42. susan anderson

    Hello everyone, My name is mrs Susan Anderson, I am from the Carlifonia, United State, am here to testify of how i got my loan from Mr Bernard David { bernarddavidinvestmentlimited@hotmail.com} after i applied Two times from various loan lenders who claimed to be lenders right here this forum,i thought their lending where real and i applied but they never gave me loan until a friend of mine introduce me to Mr Bernard David the C.E.O of Bernard David Investment who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Bernard David, who really helped me with my loan and changed my life for the better. I don't know if you are in need of an urgent loan also, So feel free to contact Mr Bernard David on his email address: { bernarddavidinvestmentlimited@hotmail.com } for help.

    September 19, 2015 at 18:02 | Report abuse | Reply
  43. Juliet David

    MY TESTIMONY FROM A LEGITIMATE MONEY LENDER

    Hello, I am Juliet David, currently living in Chicago city, USA. I am a widow at the moment with three kids and i was stuck in a financial situation in April 2014 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Man of God a private loan lender who gave me a loan of $85,000USD and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 2% interest rate and better repayment plans and schedule, please contact Mr James Lewis. He doesn’t know that am doing this but am so happy now and i decided to let people know more about him and also i want God to bless him more.You can contact him through his email: reneet3073@gmail.com

    Juliet

    October 10, 2015 at 06:12 | Report abuse | Reply
  44. Mr Willims

    Dear Sir / Madam
    Do you need a loan ?
    Have the Bank deny you credit,
    we are here to help you Financially ,
    all you need to do Now ,
    write to us with your data in the
    form below and return to us via:
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    to get your instant loan in any amount at any place.

    Borrowers Application Form to be completed and return

    BORROWER’S DATA

    1)Full Name:…………………………………………
    2)Country:………………………………………………
    3)Address:………………………………………………
    4)State:……………………………………………………
    5)Sex:………………………………………………………
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    11)Loan Amount Needed:……………………
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    13)Purpose of Loan:……………………………
    14)Religion:………………………………………………
    15)Have you applied before….

    Yours truly

    C.E.O Mr Williams

    October 15, 2015 at 03:13 | Report abuse | Reply
  45. Choice Whitman

    Hello friends!!! My name is Choice whitmzn. i want to testify of the good Loan Lender who showed light to me after been scammed by 3 different Internet international lender, they all promise to give me a loan after making me pay alot of fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 4,560,000USD. One day as i was browsing through the internet looking frustrated when i came across a testimony woman who was also scammed and eventually got linked to a legit loan company called Bevan Loan Interest Purchaser Plc and email (Bevanloaninterestpurchaserplc@gmail.com ) where she finally got her loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 3 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all that was requested of me and to my shock I was given a loan amount of $60,000.00 Dollars by this great Company (Bevan Loan Interest Purchaser Plc} managed by Mrs Bevan Anderson a God fearing woman and here i am today happy because this company has given me a loan so i made a vow to my self that i will keep testifying on the internet on how i got my loan. Do you need a loan urgently? kindly and quickly contact This great company now for your loan via email:Bevanloaninterestpurchaserplc@gmail.com she is kind hearten.

    i remain Choice Whitman

    October 17, 2015 at 03:20 | Report abuse | Reply
  46. choice whitman

    Hello friends!!! My name is Choice whitmzn. i want to testify of the good Loan Lender who showed light to me after been scammed by 3 different Internet international lender, they all promise to give me a loan after making me pay alot of fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 4,560,000USD. One day as i was browsing through the internet looking frustrated when i came across a testimony woman who was also scammed and eventually got linked to a legit loan company called Bevan Loan Interest Purchaser Plc and email (Bevanloaninterestpurchaserplc@gmail.com ) where she finally got her loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 3 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all that was requested of me and to my shock I was given a loan amount of $60,000.00 Dollars by this great Company (Bevan Loan Interest Purchaser Plc} managed by Mrs Bevan Anderson a God fearing woman and here i am today happy because this company has given me a loan so i made a vow to my self that i will keep testifying on the internet on how i got my loan. Do you need a loan urgently? kindly and quickly contact This great company now for your loan via email: Bevanloaninterestpurchaserplc@gmail.com she is kind hearten.

    i remain Choice Whitman

    October 18, 2015 at 18:37 | Report abuse | Reply
  47. dorosmith

    DO YOU NEED AN URGENT XMAS LOAN, A LOAN TO START UP A NEW LINE OF BUSINESS CONTACT US NOW VIA EMAIL: dorosmithloanfirm@yahoo.com

    Dear Applicant,
    i am Mr. Doro Smith a private loan lender, who gives out loan in a very low interest rate of 2%. we give out all kind of loan like Educational loan, Business loan, home loan, Agricultural loan, Personal loan, auto loan and other good Reason, I give out loans from the range of $5,000USD- $90,000,000.00USD in both Dollars Euro and Pounds at a 3% interest rate. Duration of 1- 15 years depending on the amount you need as loan. contact us via email: dorosmithloanfirm@yahoo.com

    October 31, 2015 at 03:16 | Report abuse | Reply
  48. dorosmith

    DO YOU NEED AN URGENT XMAS LOAN, A LOAN TO START UP A NEW LINE OF BUSINESS CONTACT US NOW VIA EMAIL: dorosmithloanfirm@yahoo.com

    Dear Applicant,
    i am Mr. Doro Smith a private loan lender, who gives out loan in a very low interest rate of 2%. we give out all kind of loan like Educational loan, Business loan, home loan, Agricultural loan, Personal loan, auto loan and other good Reason, I give out loans from the range of $5,000USD- $90,000,000.00USD in both Dollars Euro and Pounds at a 3% interest rate. Duration of 1- 15 years depending on the amount you need as loan. contact us via email: dorosmithloanfirm@yahoo.com

    DO YOU NEED AN URGENT XMAS LOAN, A LOAN TO START UP A NEW LINE OF BUSINESS CONTACT US NOW VIA EMAIL: dorosmithloanfirm@yahoo.com

    Dear Applicant,
    i am Mr. Doro Smith a private loan lender, who gives out loan in a very low interest rate of 2%. we give out all kind of loan like Educational loan, Business loan, home loan, Agricultural loan, Personal loan, auto loan and other good Reason, I give out loans from the range of $5,000USD- $90,000,000.00USD in both Dollars Euro and Pounds at a 3% interest rate. Duration of 1- 15 years depending on the amount you need as loan. contact us via email: dorosmithloanfirm@yahoo.com

    DO YOU NEED AN URGENT XMAS LOAN, A LOAN TO START UP A NEW LINE OF BUSINESS CONTACT US NOW VIA EMAIL: dorosmithloanfirm@yahoo.com

    Dear Applicant,
    i am Mr. Doro Smith a private loan lender, who gives out loan in a very low interest rate of 2%. we give out all kind of loan like Educational loan, Business loan, home loan, Agricultural loan, Personal loan, auto loan and other good Reason, I give out loans from the range of $5,000USD- $90,000,000.00USD in both Dollars Euro and Pounds at a 3% interest rate. Duration of 1- 15 years depending on the amount you need as loan. contact us via email: dorosmithloanfirm@yahoo.com

    October 31, 2015 at 03:16 | Report abuse | Reply
  49. GNI TRUST CREDIT

    get easy access to secured a genuine online funds services at an interest rate of 3% only. Apply for the following Loan.

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    November 18, 2015 at 20:46 | Report abuse | Reply
  50. Jennifer Gehret

    Hello everyone,

    i am Jennifer Gehret, I reside in Woodlyn Pennsylvania U.S.A and i am a happy woman today, and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for a secured and unsecured loan to his company, he gave happiness to me and my family, i was in need of an urgent loan amount range of $250,000.00 to start my life all over as i am a single mother with 2 kids I came across a comments on website where a lady named Courtney Winchester but i never believed these woman though i have been scammed several times by some internet fraud in few months ago, but i still insist and have the faith that this time i will definitely have my loan and i contacted this honest and GOD fearing Man name Ryan Wyatt the (C.E.O) of Calvin Larry Lenders then i was asked to fill in the loan applicant and sign while my loan was under processing later on within 24 hours i received an SMS on my bank that the amount of $250,000.00 has been credited into my bank account because Mr. Ryan Wyatt promise to put a smile on my face after my loan applicant was submitted to him and he never failed he always stand by his word and a so called trustworthy man if you are in need of help from a true and reliable company today please contact via Email: (calvinlarrylenders@gmail.com) he does not no am doing this but i pray god should continue blessing him for the smile he has putting on my face and of that of my family.

    November 22, 2015 at 09:58 | Report abuse | Reply
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