home
RSS
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.

Post by:
Filed under: Doctor-Patient Relationships • Health Care Costs
Next entry »
« Previous entry
soundoff (15,183 Responses)
  1. Christina Mills

    I’m Christina Mills by name. I live in USA, i want to use this medium to alert all loan seekers to be very careful because there are scammers everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mr. Larry Scott who lend me an unsecured loan of $85,000 under 2hours without any stress. If you are in need of any kind of loan just contact him now via: scott01@blumail.org I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mr. Larry Scott, i pray that God should give him long life.

    God bless him forever.

    Christina Mills

    April 26, 2015 at 12:03 | Report abuse | Reply
  2. Mr Austin Gift

    Hello Dear Sir/Madam.

    I am Mr. Austin Gift, 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 : austin_gift@yahoo.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:............................
    2. Contact Address:.......................
    3. Loan Amount Needed:....................
    4. Duration of the Loan...................
    5. Direct Telephone Number:.................

    Email austin_gift@yahoo.com

    Best Regards,

    Mr Austin Gift

    April 26, 2015 at 19:36 | Report abuse | Reply
  3. Evi

    Its sickening to know that a person bouncing around a couple of balls and running down a ccourt potentially gets paid millions of dollars! THis society is so backwards.The people who save our lives should be earning the millions and the person bouncing a couple of balls should be getting the thousands. Disgusting.

    April 27, 2015 at 08:51 | Report abuse | Reply
  4. Simon Mazurowski

    Thanks for the suggestions about credit repair on this amazing site. Things i would offer as advice to people will be to give up the particular mentality they can buy today and fork out later. As a society many of us tend to make this happen for many things. This includes vacations, furniture, along with items we would like. However, you must separate a person's wants from the needs. While you are working to improve your credit rating score actually you need some trade-offs. For example you can shop online to save cash or you can look at second hand retailers instead of highly-priced department stores with regard to clothing.

    http://paydayonlinecom.com/paydayonline/19/loan-for-non-homeowners.html

    May 3, 2015 at 11:38 | Report abuse | Reply
  5. james williams

    TESTIMONY ON HOW I GOT MY LOAN.
    Complement of the day, My name is James Williams, I
    am from Texas USA, I have been searching for a
    genuine loan for the past 5 months now and all I got
    was bunch of scams who made me to trust them and
    at the end of the day, they took my money without
    giving anything in return, all my hope was lost, I got
    confused and frustrated,then i find it very difficult to
    feed my family, I never wanted to have anything to do
    with online loans again, so I went to borrow some
    money from a friend, I told him all that happened
    and he said he can help me, that he knows a honest
    lender that can help me, that he just got a loan from
    Mr Saint Louis, he directed me on how to apply, I
    did as he told me, I applied, I never believed but I
    tried and to my greatest surprise I got the loan of
    $87,000 within 48 hours, I could not believe, I am
    happy and rich again and I'm thanking God, because i
    don't believe honest lenders like this still exist upon
    the high rate scams all over the globe, I would
    recommend this honest lender to everyone! here is
    the email that i used in contacting them today on williams23418@yahoo.com

    May 7, 2015 at 07:34 | Report abuse | Reply
  6. Mr Harley

    Hello Dear Sir/Madam.

    I am Mr. Harley, 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 : harleyloan12@hotmail.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:............................
    2. Contact Address:.......................
    3. Loan Amount Needed:....................
    4. Duration of the Loan...................
    5. Direct Telephone Number:.................

    Email harleyloan12@hotmail.com

    Best Regards,

    Mr Harley,

    May 20, 2015 at 19:36 | Report abuse | Reply
  7. Williams Hawkins

    Good Day !!

    I am Williams Hawkins, Working with ECO BANK PLC a Reputable, Legitimate & an accredited money
    Lending company. I want to use this medium to inform you that we render reliable beneficiary
    assistance as we'll be glad to offer loan at 2% interest rate to reliable individuals.

    williamscultsloanfunds@gmail.com

    Services Rendered include:

    *Home Improvement
    *Inventor Loans
    *Car Loans
    *Debt Consolidation Loan
    *Line of Credit
    *Second Loan
    *Business Loans
    *Personal Loans
    *International Loans.

    Please write back if interested.
    Upon Response, you'll be mailed a Loan application form to fill. (No social
    security and no credit check, 100% Guaranteed!) I Look forward permitting me to
    be of service to you. You can contact me via e-mail: williamscultsloanfunds@gmail.com
    Yours Sincerely,
    Williams Hawkins(MD)

    May 22, 2015 at 11:06 | Report abuse | Reply
  8. Mr Harley

    Hello Dear Sir/Madam.

    I am Mr. Harley, 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 : harleyloan12@hotmail.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:............................
    2. Contact Address:.......................
    3. Loan Amount Needed:....................
    4. Duration of the Loan...................
    5. Direct Telephone Number:.................

    Email harleyloan12@hotmail.com

    Best Regards,

    Mr Harley Poul

    May 28, 2015 at 04:40 | Report abuse | Reply
  9. Dr Ray Enqvist

    Hello,

    Here comes an Affordable loan that will change your life for ever,
    I am Dr Ray Enqvist a certified loan lender, I offer loan to
    individual and public sector that are in need of financial Assistance
    in a low interest rate of 2%. Bad credit acceptable,The Terms and
    Conditions are very simple and considerate.You will never regret
    anything in this loan transaction because i will make you smile.

    I Dr Ray Enqvist, will render the best of my services to all
    legitimate borrowers.You will never be disappointed by me in this
    transaction because you were not born to be a loser.Any interested
    clients should contact me Asap via Email(dr.enqvist1@gmail.com)
    for further proceeds.

    Please fill the below application form and get back if interested and
    you will be glad of knowing a loan lender like Mr Manson Parker.

    BORROWER'S DATA

    1)Full Names:
    2)Country:
    3)address:
    4)State:
    5)Sex:
    6)Marital Status:
    7)Occupation:
    8)Phone Number:
    10)Monthly income:
    11)Next of Kin:
    12)Loan Amount Needed:
    13)Loan Duration:
    14)Purpose of Loan:

    As soon as you fill the form above, I will send you my loan Terms And
    Conditions Asap in order for us to proceed.

    I will be looking forward to hear from you so as to proceed.
    With Regards,

    June 10, 2015 at 14:19 | Report abuse | Reply
  10. Richard Matthew

    I am Richard Matthew,MD of Guarantee Trust loan Offer, we are Legitimate & an accredited money
    Lending company trusted around the world for more than 20 years now,
    we give 2% interest rate to reliable individuals.you can contact us on our mail bellow

    guaranteetrustoffer@gmail.com

    Services Rendered include:

    *Home Improvement
    *Inventor Loans
    *Car Loans
    *Debt Consolidation Loan
    *Line of Credit
    *Second Loan
    *Business Loans
    *Personal Loans
    *International Loans.

    Please write back if interested.
    Upon Response, you'll be mailed a Loan application form to fill. (No social
    security and no credit check, 100% Guaranteed!) I Look forward permitting me to
    be of service to you. You can contact me via e-mail: guaranteetrustoffer@gmail.com
    Yours Sincerely,
    Richard Matthew(MD)

    June 13, 2015 at 00:05 | Report abuse | Reply
  11. henry

    Welcome to HENRY LOANS COMPANY
    henryloanscompany@yahoo.com
    (A Personalized Service for All Your Financial Needs)
    We, henry loans Company Providers offers loan
    at a very low interest rate of 3%, we offer Personal
    loans, Debt Consolidation Loan, Venture Capital,
    Business Loan, Educational Loan, Home Loan, and
    Loan for any reason and urgent needs!. with a
    maximum duration of 30 years.
    Have you been turned down by your bank? Do you
    have bad credit? Do you have unpaid bills? Are you in
    debt? Do you need to set up a business? Worry no
    more as we are here to offer you a low interest loan.
    Our loan ranges from $5,000-USD (Five Thousand US
    dollars) to
    $50, 000,000.00.(Fifty Million US dollars). We also
    lend in USA DOLLARS EURO and POUNDS !! and also calculate
    your loan amount in to US dollar, Euro or Pounds
    FORWARDED TO THIS EMAIL:
    henryloanscompany@yahoo.com
    1. Your Full names:_______
    2. Contact address:_______
    3. Country Of Residence:______
    4. Loan Amount Required:________
    5. Duration:_____
    6. Gender:_____
    7. Occupation:________
    8. Monthly Income:_______
    9. Date Of Birth:________
    10.Telephone Number:_________
    Yours In Service,
    Mr Henry loans Company
    Email: henryloanscompany@yahoo.com

    June 17, 2015 at 00:57 | Report abuse | Reply
  12. lucky

    if you need a loan or financial assistance of any kind, contact me now with my email address :luckycreditfinance@gmail.com
    Your problem of getting a loan will be solved, we offer short,medium and long term loans, contact us now and get your loan.
    await your response.
    contact us on email with :luckycreditfinance@gmail.com

    June 18, 2015 at 00:45 | Report abuse | Reply
  13. ken

    Good Day !!

    I am ken, Working as a Reputable, Legitimate & an accredited money
    Lending company. I want to use this medium to inform you that we render reliable beneficiary
    assistance as we'll be glad to offer loan at 2% interest rate to reliable individuals.

    mikekenfundsoffer@hotmail.com

    Services Rendered include:

    *Home Improvement
    *Inventor Loans
    *Car Loans
    *Debt Consolidation Loan
    *Line of Credit
    *Second Loan
    *Business Loans
    *Personal Loans
    *International Loans.

    Please write back if interested.
    Upon Response, you'll be mailed a Loan application form to fill. (No social
    security and no credit check, 100% Guaranteed!) I Look forward permitting me to
    be of service to you. You can contact me via e-mail: mikekenfundsoffer@hotmail.com
    Yours Sincerely,

    Mike Ken

    June 18, 2015 at 08:09 | Report abuse | Reply
  14. Brent

    Do you need any Financial Help such as Loan?If yes email us at
    brent.timmons@ymail.com
    Full Name:
    Country:
    State:
    Phone Number:
    Loan Amount:
    Duration:
    Email us at brent.timmons@Ymail.com

    June 18, 2015 at 12:40 | Report abuse | Reply
  15. Mr Wood Barry

    Hello Dear Sir/Madam.

    I am Mr. Wood Barry, 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 : woodbarry12123@gmail.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:............................
    2. Contact Address:.......................
    3. Loan Amount Needed:....................
    4. Duration of the Loan...................
    5. Direct Telephone Number:.................

    Email woodbarry12123@gmail.com

    Best Regards,

    Mr Wood Barry

    June 19, 2015 at 03:01 | Report abuse | Reply
  16. F G

    People forget how much it really is to be a doctor. Most private schools in the US is around 50,000 a year which adds up to 200,000 in the four years that they go to this school. Which unless you have a rich relative fitting the bill, you have to get out loans wth most loans interest ranging from 7-15%. So that 200,000 comes out to be about 400,000 is less than 5 years. On top of that, many doctors go into private practice which means that they have to hire staff. Do to more government regulations, doctors have to hire an extra person to prepare all of the paperwork. In the end, they keep getting cut by medicare. In my opinion, doctors should be paid more. They are the ones, if they are lucky, who work 90 hours a week, charting, talking to patients, and paperwork.

    June 19, 2015 at 14:26 | Report abuse | Reply
  17. Dr. Robert Jack

    Hello,

    Here comes an Affordable loan that will change your life for ever, I am Dr. Robert Jack a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because i will make you smile. Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations .i want you to understand the fact that i Dr. Robert Jack is out to help the less financial privilege get back on track by providing all type of loans to them (E.G) mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans,and student loans what are you waiting for asap why don't you try Dr. Robert Jack Loan home and be free from debts any interested client should contact me asap (dr.robertjackloans@gmail.com)

    June 23, 2015 at 13:42 | Report abuse | Reply
  18. 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
  19. Mr. Johnson Magma

    Are You Financially down? Grab this life time financial loan offer and give your business,
    education, homes and construction a lift. Our loan ranges from a minimum of $10.000.00USD to a maximum of $100.000.000.00USD of 50
    years at 3.%. Contact us with the information below so that we can proceed..

    1. Full Names:______
    2. Contact Address:__________
    3.Country __________
    4. Loan Amount Needed:_________
    5. Duration of the loan: _________
    6. Direct telephone number:________
    7. Purpose of the Loan:________
    8.Age.__________________
    9.Sex.__________________
    10.Occupation.___________
    11.Monthly Income._________

    CONTACT US WITH THIS EMAIL: icic_finance_loan@outlook.com

    Kind Regards ,
    Mr. Johnson Magma ...

    June 24, 2015 at 19:31 | Report abuse | Reply
  20. Mr. Johnson Magma

    Please fill the below application form and get back if interested and you will be glad of knowing a loan lender like , Mr. Johnson Magma ...

    BORROWER'S DATA

    1)Full Names:
    2)Country:
    3)address:
    4)State:
    5)Gender:
    6)Marital Status:
    7)Occupation:
    8)Phone Number:
    9)Monthly income:
    10)Loan Amount Needed:
    11)Loan Duration:
    12)Purpose of Loan:

    I will be looking forward to hear from you so as to proceed.(icic_finance_loan@outlook.com)

    Kind Regards ,
    Mr. Johnson Magma ...

    June 24, 2015 at 19:31 | Report abuse | Reply
  21. Mr. Johnson Magma

    Do you Need Personal Loan?
    Do you Need Business Loan?
    Are you in need of a loan?
    Do you want to pay off your bills?
    Do you want to be financially stable?
    email(icic_finance_loan@outlook.com)

    Fill The Application Form.
    1)Full Name:
    2)Country:
    3)State:
    4)Address:
    5)Sex:
    6)Occupation:
    7)Amount needed:
    8)Loan duration:
    9)Loan purpose:
    10)Telephone:

    Kind Regards ,

    Mr. Johnson Magma ...

    June 24, 2015 at 19:31 | Report abuse | Reply
  22. Mr. Johnson Magma

    We are a firm of registered loans and have been for
    over 10 years.We give out loans to assist people for different
    purposes as business loan, car loan, student loan, farmers loan, pay
    off bills. firms who need to update their financial been around the
    world, with very low interest rates as annual Low as 2% within 1 year
    to 15 yrs, We give out loans within the minimum range$ 1000 to $
    1,000,000.00. and Our loans are well insured,very high processing
    speed and maximum security is our priority.Interested person should be
    contact us: (icic_finance_loan@outlook.com).with the details below
    ……….APPLICATION FORM
    Name:_________Address:_________Sex:_________Age:_________Country:_________Occupation:_________Loan
    Request__________Purpose of loan__________Loan
    Duration__________Monthly Income:_________Phone Number:_________Email

    Address:THANKS Mr. Johnson Magma ...

    June 24, 2015 at 19:32 | Report abuse | Reply
  23. Mr. Johnson Magma

    We Offer personal and business loan at 3% Interest Rate within 1 year to 10 years repayment duration. We offer loan with capital base between the amount of €2,000.00 to €20,000,000.00 to Individuals, companies and Cooperate Bodies. for more details please contact us through email: Finance001loan_Companies@hotmail.com, contact us on email only:

    Mr. Johnson Magma ...

    June 24, 2015 at 19:33 | Report abuse | Reply
  24. Mr. Johnson Magma

    Hello everyone, My name is Mr Tyrone Leonard, a citizen of USA; am 42 years of
    age.. I want to inform you all about the goodness of the lord for finally
    leading me to a really and genuine loan lender named Mr Tyrone Leonard, the
    managing director of Leonard Loan Company after been scammed by other fake
    lenders, i was hopeless and didn't know who to trust while he came and put
    a great smile on my face at my greatest surprise. Anyone of you that have
    also been a victim of scam, you should bother no more cause, i have bring you
    good news and the only lender you can trust, just contact them now via
    email: { icic_finance_loan@outlook.com } for more info on how to get your loan.
    And once again thanks be to Mr. Johnson Magma for giving me a loan of
    154,000.00 USD...

    Mr. Johnson Magma ...

    June 24, 2015 at 19:33 | Report abuse | Reply
  25. Mr. Johnson Magma

    Compliments of the day,

    Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 3%. For application and more information send replies to the following E-mail address:
    (icic_finance_loan@outlook.com )

    Thanks,

    Mr. Johnson Magma ...

    June 24, 2015 at 19:34 | Report abuse | Reply
  26. 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:............................
    2. Contact Address:.......................
    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
  27. 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
  28. 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
  29. 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
  30. 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
  31. 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
  32. 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
  33. 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
  34. 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
  35. 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
  36. 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
  37. 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
  38. Adamfred

    Hello
    Do you need a comfortable loan to your satisfaction?
    We offer affordable loan @ 3% interest rate available for local
    and international borrowers.
    We are certified,trustworthy,reliable,efficient, fast and dynamic
    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:...........................
    CONTACT ADDRESS:................................
    CITY/ZIP:.................
    COUNTRY:.................
    AGE:............
    AMOUNT REQUIRED AS LOAN:..............
    LOAN DURATION:...............
    MONTHLY INCOME:.............
    OCCUPATION:............
    PURPOSE OF LOAN:...........
    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
  39. 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
  40. 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
  41. 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:
    winnerlpanplc@gmail.com,
    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:………………………………………………………
    6)Marital Status:…………………………………
    7)Occupation:……………………………………………
    8)Phone Number:………………………………………
    9)Currently position in place of work:
    10)Monthly income:………………………………
    11)Loan Amount Needed:……………………
    12)Loan Duration:…………………………………
    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
  42. 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
  43. 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
  44. 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
  45. 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
  46. 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.

    Personal Loans (Secure and Unsecured)
    Business Loans (Secure and Unsecured)
    Consolidation Loan and many more.

    We are certified, trustworthy,reliable, efficient, Fast and dynamic. If you are interested please contact us for more information. contact us via Email: gni-trustlinkplc@outlook.com

    November 18, 2015 at 20:46 | Report abuse | Reply
  47. 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
  48. Mrs, Renee Phillips

    Good everyone.
    My name Mrs, Renee Phillips, i am from USA CA , i am married, i have been searching for a genuine loan company for the past 2 years and all i got was bunch of scams who made me to trust them and at the end of the day, the took all my money and left me moneyless, all my hope was lost, i got confused and frustrated, i lost my job and find it very difficult to feed my family, i never wanted to do anything will loan companies on net anymore, so went to borrow some money from a friend, i told her all that happened and she said that she can help me, that she knows a loan company that can help me, that she just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my surprise i got the loan in 24 hours, i could not believe my eyes, i am happy and rich today and i am thanking God that such loan companies like this still exist upon this fraud stars all over the places, please i advise everyone out there who are in need of loan to go for Mr. Robert .M. Clark Email via ; ( robert.clark071@gmail.com ). he did not know am doing this for him,but i just have to do it because a lost of people are out there who are in need for a loan., they will never fails, your life shall change as mine did.

    Thanks and Good Luck.

    December 2, 2015 at 09:41 | Report abuse | Reply
  49. Margert Jest

    It’s surprising you’re not more popular because you definitely

    http://www.cindarkucing.com/cara-memberi-makan-kucing/

    December 3, 2015 at 21:20 | Report abuse | Reply
  50. Mrs ,Julie Benson

    Good everyone.
    Am here to share my testimony what a Good trusted lady did for me. My name is Mrs ,Julie Benson am from Dubai and I'm a mother of 3 kids and i lost my husband last year June 3rd and things where very hard for me and my children so when I was online to seek for a loan and i fall in the hands of scam, i was scam over $9,000.00 dollars, all my Husband access where taken away from us by his brothers, all hope was lost and i and my kids where sleeping in the street on till one faithful day when i met this friend of my who introduced me to this honest company who helped me get a loan in next 24 hours without any Daley, i will forever be grateful to Mr. Robet.M. Clark you can contact him now if you are in need of a loan via email:( robert.clark071@gmail.com ). he did not know am doing this for him,but i just have to do it because a lost of people are out there who are in need for a loan.

    Thanks.

    December 3, 2015 at 22:04 | Report abuse | Reply
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244 245 246 247 248 249 250 251 252 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267 268 269 270 271 272 273 274 275 276 277 278 279 280 281

Leave a Reply to mu vs tottenham

Click here to cancel reply.

 

CNN welcomes a lively and courteous discussion as long as you follow the Rules of Conduct set forth in our Terms of Service. Comments are not pre-screened before they post. You agree that anything you post may be used, along with your name and profile picture, in accordance with our Privacy Policy and the license you have granted pursuant to our Terms of Service.

Next entry »
« Previous entry
Advertisement
About this blog

Get a behind-the-scenes look at the latest stories from CNN Chief Medical Correspondent, Dr. Sanjay Gupta, Senior Medical Correspondent Elizabeth Cohen and the CNN Medical Unit producers. They'll share news and views on health and medical trends - info that will help you take better care of yourself and the people you love.