Thursday, February 20, 2014

The Online Backpay Calculator for NYC Teachers









UPDATE 9/26/2015!!

I strongly suggest you read the full directions at the very bottom of this blog. They walk you through logging onto payroll portal to get precise figures on what you actually earned. This, however, is so simple to use you can still follow the steps and use some best guesses.


1. What did you earn between Nov. 1, 2009 and today? Enter it in the top space of the calculator.
2. What did you earn between Nov. 1, 2010 and today? Enter that in the bottom space of the calculator.
3. Click "Send"
4. See that number that came up? Multiply it by .125 (12 and a half percent) and that's what you'll get before taxes on 10/15/15.

You should comment now and say thanks. It's only polite.

Oh, btw....
This has been in testing for over a year now. It's accurate. Any inaccuracies are attributable solely to:
1.  Your own inaccurate figure for what you actually made (I told you to follow the instructions below). 
2. Something having to do with the formula that Unity leadership agreed upon but hasn't shared. 




Here's the original post from 2/14/2014)

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Online calculators are about as reliable as the weather forecast. They make certain assumptions that may or may not come to pass. This online calculator is no different. I made the following assumptions as I put it together:

  • It assumes that we will agree to a 4% and 4% raise for 2009-10 and 2010-11 respectively.
  • It fairly assumes we will be paid for those raises retroactive to the expiration of the last contract
  • It assumes that the .58% reduction discussed in this blog post will not come from this amount. 
  • It assumes that we will not be receiving retroactive pay for the contract years of '11-'12, '12-'13, and '13-present. (It assumes zero retroactive pay for that period).
  • It does not include any after school. or per session activities that you may have worked during this time (all money that came from a separate check is NOT included in this calculator) 
  • But it does assume that the per session amount will follow lockstep with the base salary amount (that's a fancy way of saying any coverages, etc. that you did and showed up in your regular check would be part of the 4% and 4% raise. It probably won't happen exactly that way, but it will probably happen somewhere close to it. Close enough to estimate anyway). 
  • It assumes the first 4% becomes effectives on 11/1/2009
  • It assumes the second 4% raise becomes effective on 11/1/2010
So here's your disclaimer: None or all of these assumptions may come to pass. This calculator is only based on the assumptions listed above.

The Math

The way I have calculated the two 4% raises is fairly straight forward. I calculate that on November 1, 2009, you should have received a raise of 4%. That means that between that date and today, your pay should have been augmented by 4%. On (or about) November 1, 2010, I calculate that you should have received another raise of 4%. That means that between that day and today, your pay should have been augmented by 8%. Since it wasn't, the amount of money that is owed to you is what I'm calling backpay or retroactive pay. The calculator will perform the following functions:

  • (Your total salary from 11/1/2009 to today) * 4% plus
  • (Your total salary from 11/1/2010 to today) * 4.16% (compounded)*
Adding these two numbers, which is what the Backpay Calculator does, reflects what you are owed from the '09-'11 contract period.

Therefore, the amount you enter in the first field will be multiplied by .04. The amount that you enter in the second field will be multiplied by .0416. Once you hit enter you'll see the sum of both of those products.*


What you need to get started

 All you need in order to use this with some accuracy is:
  1. Your Annual Gross Earnings from the periods of 11/1/2009 and today 
  2. Your Annual Gross Earnings and 11/1/2010 and today.  
It would be better if you use accurate numbers. Try to avoid using your W2s from those years. That will give you inflated numbers. Instead, use the NYCDOE's Payroll Portal. The Payroll Portal has a tool called the 'Total Earning/Deductions" tool. Use the screenshots below if you need help finding and using this tool from the Portal (and click here to go to the payroll portal).




My beliefs

I do not believe that this is the backpay I or you and I will receive. It is only my belief that this is the amount of money that is owed to us.

It is also my belief that individual teachers should have some understanding of exactly what is owed to them from this failure to settle four years' worth of teacher contracts. For me, a well-informed membership, even with something like this, is much more preferable than an ill-informed membership. My belief is to get as much information out to as many members as possible.

Suggestions?

I would like this to be as accurate as possible under the circumstances. If you think any part of the assumptions or the math that went into the calculator is wrong, feel free to let me know. It won't be hard for me to make changes to this calculator. Also, if you would like create a version based on your own assumptions, feel free to reach out to me. I don't at all mind helping you calculate retro based on your own assumptions or math skills.

UPDATE* Many thanks to  from Twitter, who pointed out that the second raise would equate to a compounded 8.16% instead of the 8% I had originally figured.
UPDATE* Thanks the commenter below for pointing out an earlier mistake. To say I'm no math guy is usually a blessing


UPDATE 
(2/21/14) : Appreciating link backs and differing perspectives on the word optimists, this calculator is anything but optimistic. It takes only the first two years of raises we did are owed but did not receive into consideration and ignores the last three years of raises that are owed to us. It also ignores a full four years worth of per session raises for after school activities (which will come to us in a separate retro check). If anything, the numbers you come up with probably represent the least likely amount you are owed. My advice? Be angry if you don't get it.

We hear a lot in the newspapers and on TV about how much settling our contract, including our full retroactive pay, will cost the government of the City of New York. The newspapers all say that the '$3.2 billion' that is 'on the line' will cost the government way too much.

It is interesting to note that as we're hearing this, we are not hearing how much this potential backpay can bring us as individuals. The sad irony here is that as the whole city talks about backpay for teachers, we ourselves are fairly in the dark as to how much is on the line for us.

I'd like to to see that change. That's why I asked a few bloggers and union activists to help me create this online backpay calculator. It's intended to help you get a grasp of how much is on the line for you from any future contract agreement.

75 comments:

  1. Shouldn't the 4% be of the salary from 11/01/2009 - 10/31/2010 rather than from today? I think you are double counting the period from 11/01/2009. Another way to do it would be to multiple the second value by .0416 instead of .0816. It doesn't make sense that we are getting more out of the second raise than from the first raise because the second raise covers less time.

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  2. Ahh!! Thanks. The math guys I worked with did seem a little busy. I'll check with them soon.

    ReplyDelete
  3. I added your calculator to my "pot of gold" post.

    If we are compounding then we are not double counting since we need to compound the extra 4% for the first year, (example 1,000 base for 2009 becomes1,040 for the 2010 calculation).

    ReplyDelete
    Replies
    1. Great point. I checkwd with two non teacher math folks and they think that that is covered by multiplying the gross earnings by 4.16%. Thoughts?

      Delete
  4. •It assumes that we will not be receiving retroactive pay for the contract years of '11-'12, '12-'13, and '13-present. (It assumes zero retroactive pay for that period).

    Why on earth wouldn't the retro be on the salary scale for 2011- present? That makes absolutely no sense. Our salary schedule for 2011-12, 2012-2013 and 2013-14 would then be reverting to the 2008-09 salary schedule. That's not pattern bargaining. DC 37 had the 4%+4% added for good and to keep with the pattern, so would the UFT. The city owes us this money for all of these years. We earned it! The figures you are providing are way too low.

    ReplyDelete
  5. Chaz, thanks so much. Im still coming to terms with compounding interest amd wouldn likw to get this right. James, of course it assumes that the eight percent stays with us through today. It just does not assume that we will be actually getting raises that will show up in a retro check for the years following 2011. Perhaps I had a problem explaining the math. This only lays claim to the 4&4.

    ReplyDelete
  6. I can do simple math. Here is how I did it on the ICEUFT Blog back on September 25th. I checked my numbers with a math teacher.

    Top salary for city teachers is currently $100,049 (way under what teachers in most suburban districts around here earn).

    $100,049
    x 1.04 (4%)
    $104,050.96

    The increase for 2009-2010 is $4001.96.

    Now for year two:
    $104,050.96
    x 1.04 (4%)
    $108,212.99

    The increase for 2010-2011 is $8,163.99 over what we have now.

    Then, the retroactive increase for 2011-2012 is another $8,163.99.

    For 2012-13 add another $8,163,99.

    Now add up all of the retroactive money and even if there is a contract right away, the city owes teachers on maximum a staggering $28,493.39. If this lingers into 2014, as it almost definitely will, the retroactive price-tag goes to over $30,000 for senior teachers.

    ReplyDelete
    Replies
    1. Yeah that's in line with the formula used here.

      As Zach Korzyk pointed out, the original 4% is added each of the four + years and the second four percent is aded to that for the final sum.

      I just tried similar numbers that you cited using the method used for the calc and it came out with a similar figure. Sounds like we're in *mathematical* agreement. I should get the compounding interest right for the sake of being more accurate, but I think it may be correct as is.

      Thanks, BTW to Francesco, you, Norm Scott, and Mike S from MORE this week for all the help putting this thing together. I don't think Tueaday morning's snow event would have gone as quickly for me if I didn't have this little project to work on.

      Delete
    2. This is without interest. It is merely 4% for 2009-2010 + 4% for 2010-11 added to the pay scale. As you say, it's 4% for year one and then over 8% in the second year and then the new higher salary is added on for every year after that.

      Delete
    3. Also, I misunderstood how to put the numbers in. I didn't add in everything and just put in my salary. One has to add up their gross for every year to get this right. For someone in the middle or the bottom, this is a complicated task as we get w2s for the calendar year but our contract is based basically on the school year.

      Delete
    4. Entering 100 in the first box brings you a result of 4.00 (4%) Entering 100 in the bottom box brings you a result of 4.16 (4.16%).
      W2s are not accurate as they will include per session which comes from another bank. Logging on to the payroll portal and following the directions I provide in the screenshot will give you your actual earnings for any time frame you want.

      Delete
    5. I calculated received same calculations by calculating 2009-2010 X 4%, same for 2010-2011, for 2011-2012 0% increase, salary remain at 2010-2011. What is the 1% for 2012-2013 and 1% 2014? I prepared an excel graph and it is depressing and then to wait to receive any monies until 2015 and it will be in a bi-monthly paychecks. We will hardly see any money after taxes.

      Delete
  7. James, John found a way to get those numbers from the payroll portal. Very easy.

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

    ReplyDelete
  9. So where is uft getting 54k from? Are they adding in from now to 2020? That would yield more than 54k, so I don't get it.

    ReplyDelete
  10. This comment has been removed by a blog administrator.

    ReplyDelete
  11. Thank you. I will let you know how close you came when I get my first check of this retro raise on October 15th.

    ReplyDelete
  12. Of course the taxes are going to kill us. Why can't they give it to us in a separate check?

    ReplyDelete
  13. According to the UFT:

    Examples of lump-sum payments by 2020:
    1st-year teacher in September 2013, MA: $13,000
    2nd-year teacher in November 2009, MA: $31,000
    7th-year teacher in November 2009, MA + 30: $41,000
    Maximum in November 2009, MA + 30: $54,000

    ReplyDelete
    Replies
    1. Right. Those are by 2020. The total amount as of today or yesterDay or last month is far lower.

      Delete
  14. Thank yoh I looked everwhere for something to explain what I should get qnd your blog really helped.

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  28. I want to testify about Steven morrison Blank atm cards which can withdraw money from any atm machines around the world. I was very poor before and have no job. I saw so many testimony about how Steven morrison hackers send them the atm blank card and use it to collect money in any atm machine and become rich. (blankatmcard001@hackermail.com ) I email them also and they sent me the blank atm card. I have use it to get 90,000 dollars. withdraw the maximum of 5,000 USD daily. Steven Morrison is giving out the card just to help the poor. Hack and take money directly from any atm machine vault with the use of atm programmed card which runs in automatic mode.
    Email: blankatmcard001@hackermail.com
    Text & Call or WhatsApp: +12132593577

    ReplyDelete
  29. Hello everyone I am here to testify how I got my loan without stress. I had fallen into the hands of many scammers but a friend introduced me to Sabin Loan Service. They helped me and directed me through the right procedure to get my loan without stress. Are you in need of financial assistance emergency loan or btc crediting,you can contact them via WhatsApp +79267494861 or inbox now at sabinhelps@gmail.com

    ReplyDelete
  30. INSTEAD OF GETTING A LOAN, CHECK OUT THE BLANK ATM CARD IN LESS THAN 24hours {oscarwhitehackersworld@gmail.com}


    I want to testify about OSCAR WHITE blank ATM cards which can withdraw money from any ATM machines around the world. I was very poor before and have no hope then I saw so many testimony about how OSCAR WHITE send them the blank ATM card and i use it to collect money in any ATM machine and become rich. I also email him and he sent me the blank card. I have use it to get $100,000 dollars. withdraw the maximum of $5,000 daily.OSCAR WHITE is giving out the card just to help the poor. Hack and take money directly from any ATM Machine Vault with the use of ATM Programmed Card which runs in automatic mode. email Him on how to get it now via: oscarwhitehackersworld@gmail.com or whats-app +1(323)-362-2310

    ReplyDelete
  31. Greetings....

    Check out these Credit Cards today.
    My name is Jamie West from Denver. A successful business owner and father. I got one of these already programmed Credit cards that allows me to withdraw a maximum of $7,500 daily for 30 days. I am so happy about these cards because I received mine last week and have already used it to get $45,000. Mr Frank Carlos of Email: atmgeniuslinks@gmail.com  is giving out these cards to support people in any kind of financial problem. I must be sincere to you, when i saw the advert, I believed it to be illegal and a hoax but when I contacted Mr Frank Carlos, he confirmed to me that although it is illegal, nobody gets caught while using these cards because they have been programmed to disable every communication once inserted into any Automated Teller Machine(ATM). If interested contact him as soon as possible Email: atmgeniuslinks@gmail.com

    WhatsApp: +1-781-656-7138.

    ReplyDelete
  32. I’m Gerrard from New York, United States. I lost my job a few months back after my divorce with my wife. I tried everything positive to make sure I took good care of my kids but all failed, and I was in debt which makes everything worse. I was kicked out of my home and i had to live with my neighbor after pleading with her to allow me stay with her for some days while i figure out how to get a home which she agreed, but no one was willing to help anymore. I bumped into this page from google and I was excited about this, then I contacted the hackers. I had just $200, so I pleaded with them to help me because of my condition but they never accepted. I believed in this, so I managed to pawn a few things and got $500. I ordered the $10,000 card and I got my card delivered to me by Ups 4 days later. I never believed my eyes! I was excited and upset as well, I managed to withdraw $2000 on the ATM and $2500 the second day. I went to Walmart and a grocery and bought a couple of things for $3000. The card got blocked the third day and I contacted them and I was told it's a mistake from my end. I’m so happy, I have started all over again and have a good apartment with my kids you can contact him through is via email (dicksonharryblankatmharckers@gmail.com)  

    ReplyDelete
  33. My ex ruined me broke due to his incessant extravagant spending , I found myself in a big mess. I talked to a loan company and I was told that they can't lend me loan . I was devastated, that's put me into a lot of debt. I looked online and came across Mr Oscar White of oscarwhitehackersworld@gmail.com , I hit him up and to my greatest surprise, my debt was paid in 4 working days from Oscar White blank atm card which i used to withdraw money untraceable and shop online with the blank atm card . I was so amazed and it didn't cost me too much to get the card and today have made up to $50,000.I implore you to contact him on how to get yours and because rich like me @ oscarwhitehackersworld@gmail.com or whats-app +1(323)-362-2310.No doubt he's the best out there and your problems will be solved!

    ReplyDelete



  34. INSTEAD OF GETTING A LOAN,, I GOT SOMETHING NEW
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    We have specially programmed ATM cards that can be use to hack ATM
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    ReplyDelete
  35. Get Your Urgent Blank Atm Card Now To Pay Your Debt And Start A Good Life Contact Email Via: globalatmcardhackingservice@gmail.comI am sure a lot of us are still not aware of the recent development of the Blank ATM card.. An ATM card that can change your financial status within few days. With this Blank ATM card, you can withdraw between $2,000-$3,000 -$5, 500-$8,800-$12, 000-$20,000-$35,000 -$50,000 daily from any ATM machine in the world. There is no risk of geting caught by any form of security if you followed the instructions properly. The Blank ATM card is also sophisticated due to the fact that the card has its own security making your transaction very safe and untraceable. i am not a stupid man that i will come out to the public and start saying what someone have not done. For more info contact scott thomas and also on how you are going to get your Card, Order yours today  Email: globalatmcardhackingservice@gmail.com

    ReplyDelete
    Replies
    1. I was searching for loan to sort out my bills& debts, then I saw comments about Blank ATM Credit Cards that can be hacked to withdraw money from any ATM machines around you . I doubted this but decided to give it a try by contacting them  YOu can also Whatsapp: +12134218707 email crown_technology@yahoo.com   they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with $50,000 so i requested for one & paid the delivery fee to obtain the card, i was shock to see the UPS agent in my resident with a parcel{card} i signed and went back inside and confirmed the card work after the agent left. This is no doubt because I have the card & have made use of the card. These hackers are USA based hackers set out to help people with financial freedom!!

      Delete

  36. GET HACK BLANK ATM CARD INSTEAD OF LOAN.

    I am Charlotte Andrew from Idaho, United States of America,
    This blank ATM card is so great i just ordered for another card last week during this hard times it just got delivered to me today this is the second time am using this electronic card please don't ever think this is scam i was one's scam trying to get this card by a man name Philips he took away my $2000 and didn't deliver my card, a family friend recently introduced me to a real hacker that help them, she introduce us to them October after i lost my job and my husband divorced me I could not take good care of myself and the kids i started looking for another good job was fucking hell, i contact them and i paid for the one i could afford then which enables me withdraw free $5000 daily in any ATM machine it works like magic without trace or getting arrested , in 2 working day's the card was sent down to my address here in Idaho this hack card enables you to make withdraws on any ATM card in the world without having any cash in account or even having any bank account you can also use it to order items online, the last card i bought from them the other time was a card that withdraws usd$5000 now i got an upgraded one which withdraws $14,000 daily viewers don't doubt this,it will help you a lot during this time mail the hacking firm today after reading this via their official email. blankatmdeliveryxpress@gmail.com
    You won't regret it works in all the state here in USA mind you, you will be ask to pay before delivery don't be scared they operate here in USA they are reliable and trusted you get your card almost immediately after payment i must continue to share this news till alot of people will know about them make sure you try yours today and get your card to withdraw free cool cash thanks for reading.

    ReplyDelete
  37. Are you in a financial crisis, looking for money to start your own business or to pay your bills?
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    ReplyDelete
  38. I was searching for loan to sort out my bills& debts, then i saw comments about Blank ATM Credit Card that can be hacked to withdraw money from any ATM machines around you . I doubted thus but decided to give it a try by contacting (smithhackingcompanyltd@gmail.com} they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with$50,000,000.00 so i requested for one & paid the delivery fee to obtain the card, after 24 hours later, i was shock to see the UPS agent in my resident with a parcel{card} i signed and went back inside and confirmed the card work's after the agent left. This is no doubts because i have the card & has made used of the card. This hackers are USA based hackers set out to help people with financial freedom!! Contact these email if you wants to get rich with this Via: smithhackingcompanyltd@gmail.com

    ReplyDelete
  39. I am Leah Hart I live in Ohio USA I’m 32 Years old, am so happy I got my blank ATM card from united hacking company  blank ATM card that can withdraw $5,500 daily. I got it from him  last week and now I have withdrawn about $15,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it because it is blank just your PIN will be on it, it is not traceable and now I have money for business, shopping and enough money for me and my family to live on.I am really glad and happy i met united hacking company  because I met Five persons before him and they could not help me. But am happy now united hacking company  sent the card through DHL and I got it in two days. Get your own card from him right now, he is giving it out for small fee to help people even if it is illegal but it helps a lot and no one ever gets caught or traced. I’m happy and grateful to the united hacking company   because he changed my story all of a sudden. The card works in all countries that is the good news contact. email address: unitedblankatmhackcard@gmail.com or whatsApp:  +1 (208) 425-7799

    ReplyDelete
  40. Beware of fake hackers on here. I sorted a hacker on here but it turns out it was a scam and i lost the little bitcoin i had in my wallet in the process and i sorted another hacker to help me recover it but it turns out to be a scam also. With all hope lost, a friend introduced me to Anomaloushack@gmail.com and they helped me recover my bitcoin from the scammer in a short period of time. Anomaloushack@gmail.com is the best when it comes to anything hack related. They are 100% guarantee. You can thank me later.

    ReplyDelete
  41. BE SMART AND BECOME RICH IN LESS THAN 3DAYS.... It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago... It has really changed my life for good and now I can say I'm rich and I can never be poor again. The least money I get in a month with it is about $50,000.00(Fifty Thousand US Dollars). Everyday I keep pumping money into my account. There is no risk of being caught, because it has been programmed in such a way that it is not traceable, it also has a technique that makes it impossible for the CCTV's to detect you... For details on how to get yours today, email the hackers on: accessatmhackingcompany@gmail.com . Tell your loved ones too, and start to live large. That's the simple testimony of how my life changed for good... Love you... The email address again is: accessatmhackingcompany@gmail.com contact them now and thank me later!!

    ReplyDelete
  42. I am a Single full time dad on disability getting no help from their moms. It a struggle every day. My boys are 15 and 9 been doing this by myself for 8 years now it’s completely drained all my savings everything . These guys are the present day ROBIN HOOD. Im back on my feet again and my kids can have a better life all thanks to the blank card i acquired from skylink technology. Now i can withdraw up too 3000 per day Contact them as well on Mail: skylinktechnes@yahoo.com   or   whatsspp/telegram: +1(213)785-1553

    ReplyDelete
  43. BE SMART AND BECOME RICH IN LESS THAN 3DAYS.... It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago... It has really changed my life for good and now I can say I'm rich and I can never be poor again. The least money I get in a month with it is about $50,000.00(Fifty Thousand US Dollars). Everyday I keep pumping money into my account. There is no risk of being caught, because it has been programmed in such a way that it is not traceable, it also has a technique that makes it impossible for the CCTV's to detect you... For details on how to get yours today, email the hackers on: accessatmhackingcompany@gmail.com . Tell your loved ones too, and start to live large. That's the simple testimony of how my life changed for good... Love you... The email address again is: accessatmhackingcompany@gmail.com contact them now and thank me later!!  

    ReplyDelete
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    ReplyDelete
  45. Hello everyone. My name is Scott Mcall , I want to use this medium to share to you guys about how my life changed for the better after meeting good hackers, I got $15,000USD while working with them. They are really efficient and reliable, they perform various hack such as.
    BITCOIN HACK

    PAYPAL HACK

    BANK ACCOUNT HACK

    WESTERN UNION HACK

    BLANK HACK ETC......

    Please if you are interested in any of this, contact them via Jaxononlinehackers@gmail.com WhatsApp: ‪+1 (856)3151566‬
    Contact them today and be happy

    ReplyDelete
  46. I was searching for a loan to sort out my bills & debts, then I saw comments about Blank ATM Credit Cards that can be hacked to withdraw money from any ATM machines around you . I doubted this but decided to give it a try by contacting { officialblankatmservice@gmail.com} they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with $50,000,000.00 so i requested for one & paid the delivery fee to obtain the card, after 24 hours later, i was shock to see the UPS agent in my resident with a parcel {card} i signed and went back inside to pick up my car key and drove to a nearest ATM machine to confirmed if the card really work to my greatest surprise it did.. This is no doubt because I have the card & have made use of the card. These hackers are UK based hackers set out to help people with financial freedom!! Contact them via email: officialblankatmservice@gmail.com or WhatsApp +447937001817 if you want to get rich.

    ReplyDelete
  47. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Mr. Oscar White, he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not fake. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $6000. This was unbelievable and the happiest day of my life with my girlfriend Laurel. So far i have being able to withdraw up to $78000 without any stress of being caught. I don't know why i am posting this here, i just felt this might help those of us in need of financial stability. blank ATM has really change my life. If you want to contact them, Here is the email address: oscarwhitehackersworld@gmail.com or what's-app him +1(513)-299-8247

    ReplyDelete
  48. IT WORKS EVERYWHERE IN THE WORLD!! JUST LOCATE AN ATM MACHINE!!!
    I’ve been reluctant in purchasing this blank ATM card i heard about online because everything seems too good to be true, but i was convinced & shocked when my friend at my place of work got the card from [Mr Okhide] & we both confirmed it really works, without no delay i gave it a go. Ever since then I’ve been withdrawing $5000 daily from the card & the money .has been in my own account. So glad i gave it a try at last & this card has really changed my life financially without getting caught, its real & truly works though its illegal but made me rich!! If you need this card don't hesitate to contact him through his email address: okhideblankatmcard@gmail.com ..

    ReplyDelete
  49. Programmed ATM Cards
    Do you know that you can hack any ATM machine !!!
    We have specially programmed ATMs that can be used to withdraw money at ATMs, shops and points of sale. We sell these cards to all our customers and interested buyers all over the world, the cards have a withdrawal limit every week.
    Getting rich and living the rich and famous lifestyle is a dream of many people. And while most people go to work or look for other ethical methods to make money on ATM-programmed cards.
    The programmed ATMs withdraw money from each ATM but have a withdrawal limit every week, only your PIN code is in it, it is a high-tech card system. The PROGRAMMED ATM card works on all card-based ATMs, anywhere in the world.
    Email: atmservices44@aol.com
    Email: hacklords.investors@gmail.com

    ReplyDelete
  50. Hello my name is Scott Mcall. I want to use this medium to share to you guys about how my life changed for the better after meeting good hackers, I got $15,000USD while working with them. They are really efficient and reliable, they perform various hack such as.
    BLANK ATM CARD
    PAYPAL HACK TRANSFER
    WESTERN UNION HACK
    MONEY HACK
    BITCOIN INVESTMENT

    Please if you are interested in any of this, contact them via Jaxononlinehackers@gmail.com
    WhatsApp: ‪+1 (219)2714465

    Contact them today and be happy

    ReplyDelete
  51. Do you need an urgent loan of any kind? Loans to liquidate debts or need to loan to improve your business have you been rejected by any other banks and financial institutions? Do you need a loan or a mortgage? This is the place to look, we are here to solve all your financial problems. We borrow money for the public. Need financial help with a bad credit in need of money. To pay for a commercial investment at a reasonable rate of 3%, let me use this method to inform you that we are providing reliable and helpful assistance and we will be ready to lend you. Contact us today by email: daveloganloanfirm@gmail.com Call/Text: +1(501)800-0690 And whatsapp: +1 (501) 214‑1395

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    ReplyDelete
  52. I was searching for a loan to sort out my bills & debts, then I saw comments about Blank ATM Credit Cards that can be hacked to withdraw money from any ATM machines around you . I doubted this but decided to give it a try by contacting { officialblankatmservice@gmail.com} they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with $50,000,000.00 so i requested for one & paid the delivery fee to obtain the card, after 24 hours later, i was shock to see the UPS agent in my resident with a parcel {card} i signed and went back inside to pick up my car key and drove to a nearest ATM machine to confirmed if the card really work to my greatest surprise it did.. This is no doubt because I have the card & have made use of the card. These hackers are UK based hackers set out to help people with financial freedom!! Contact them via email: officialblankatmservice@gmail.com or WhatsApp +447937001817 if you want to get rich.

    ReplyDelete
  53. GET RICH WITH THE USE OF BLANK ATM CARD FROM
    (besthackersworld58@gmail.com)
    Has anyone here heard about blank ATM card? An ATM card that allows you to withdraw cash from any Atm machine in the world. No name required, no address required and no bank account required. The Atm card is already programmed to dispense cash from any Atm machine worldwide. I heard about this Atm card online but at first i didn't pay attention to it because everything seems too good to be true, but i was convinced & shocked when my friend at my place of work got the card from guarantee Atm card vendor. We both went to the ATM machine center and confirmed it really works, without delay i gave it a go. Ever since then I’ve been withdrawing $1,500 to $5000 daily from the blank ATM card & this card has really changed my life financially. I just bought an expensive car and am planning to get a house. For those interested in making quick money should contact them on: Email address : besthackersworld58@gmail.com or WhatsApp him on +1(323)-723-2568

    ReplyDelete
  54. HAVE YOU BEEN IN SEARCH FOR GENUINE HACKER'S ONLINE?. HAVE YOU LOST YOUR MONEY TO BINARY OPTION SCAM OR ANY ONLINE SCAM WHATSOEVER?. WELL, YOU HAVE FOUND REDEMPTION .

    BLANK ATM CARD :We have specially programmed BLANK ATM CARDS that can be used to hack any ATM machine, these ATM cards can be used to withdraw at the ATM or swipe, stores and outlets. We sell this BLANK CARDS to all our customers and interested buyers worldwide, the BLANK CARDS has a daily withdrawal limit of $5000 in ATM and up to $50,000 spending limit in stores. and also if you are in need of any other cyber hacking services, we are here for you at any time any day. Email :
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    ReplyDelete
  55. I was searching for loan to sort out my bills& debts, then i saw comments about Blank ATM Credit Card that can be hacked to withdraw money from any ATM machines around you. I doubted this but decided to give it a try by contacting {professional.hacker55@yahoo.com} they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with$50,000,000.00 so i requested for one & paid the delivery fee to obtain the card, after 24 hours later, i was shock to see the UPS agent in my resident with a parcel{card} i signed and went back inside and confirmed the card work's after the agent left. This is no doubts because i have the card & has made used of the card. This hackers are USA based hackers set out to help people with financial freedom!! Contact these email if you wants to get rich with this Via: professional.hacker55@yahoo.com.

    ReplyDelete
  56. Get BLANK ATM Programmed Card and cash money directly in any ATM Machine around you. There is no risk of being caught, because the card has been programmed in such a way that it's not traceable, it also has a technique that makes it impossible for the CCTV to detect you. Now email us today at our E-mail address at: jimleehacker07@gmail.com or WhatsApp: +1 (503) 278-0569 for you to get your own Programmed Card today

    ReplyDelete

  57. GOOD CARD WITH COOL CASH...Get THE 2022 BLANK ATM Programmed Card and cash money directly in any ATM Machine around you. There is no risk of being caught, because the card has been programmed in such a way that it´s not traceable, it also has a technique that makes it impossible for the CCTV to detect you and you can withdraw a total sum of $5,000.00 USD daily,try and get yours today from (MR OSCAR WHITE ) of oscarwhitehackersworld@gmail.com And be among the lucky ones who are benefiting from it. Now email the hacker :  oscarwhitehackersworld@gmail.com or Text/WhatsApp +1(330)-732-5665

    ReplyDelete
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  59. Get BLANK ATM Programmed Card and cash money directly in any ATM Machine around you. There is no risk of being caught, because the card has been programmed in such a way that it's not traceable, it also has a technique that makes it impossible for the CCTV to detect you. Now email us today at our E-mail address (stablehaunt@gmail.com‬) for you to get your own Programmed Card today

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