Friday 24 February 2017

MCA Ist sem /MCS-015/Solved Assignment/Communication Skills/2016-2017 New

Notes:- " In communication skills all ans is write in Bold character (Foe Ex:- Opposite , fill in the blanks)".

Q.1.
A.1.
(a)Why is India uniquely placed to succeed at the present moment?

A.1.(a) India‟s unique combination of IT skills, its labour advantages, capital flow and pool of ambitious, outward-looking companies is giving it a second, massive triple play advantage across sectors – in manufacturing, services and agriculture.

(b) What does “triple play advantage across sectors” refer to?

A.1.(b) Triple play advantage across sectors” refer to manufacturing, services and agriculture.

(c) How and why do you think Britain and Europe succeeded in overcoming the Asian empires.

A.1.(c) IT revolution – that it is nothing less than a seismic shift in how the world economy works and that India may be especially well placed to take advantage of it. But then, economic power comes to countries in unexpected ways and at unexpected times, and it is usually enabled by new technologies. When Europe began invading eastern shores, the Asian empires were horrified – they had regarded them as little more than impoverished barbarians. Europe‟s growth in the sixteenth and seventeenth centuries was a result of technological advances in building large, multi-masted ships that could sail in the rough, open seas. The rise of new navigation tools –better maps, sextants and chronometers – also allowed explorers to chart out better sea routes, giving Europe access to colonies, slaves, silk and gold.

(d) Why was IT an easy option for a start up entrepreneur in India? Discuss.

A.1.(d) IT was literally the only option for a start-up entrepreneur to begin a business without political access or capital. 

A slow-growing economy also ended up diverting much of its huge talent into a small but burgeoning IT sector. 

 A leased computer- these firms got by on very little.

 A data line – over which they sold Indian brainpower to the outside world. India thus literally stumbled on to services growth, one that happens to be the emerging story for the international economy.

(e) Give a suitable title to the passage.

A.1.(e)  The suitable title to the passage is "Revolution of IT".

(f) Pick out the words from the passage which mean the opposite of the following words given below:
A.1.(f)

i) tiny - enormous/big

ii) disabled - Helped/Supported

iii) rich - Poor

iv)calm - Excited

v )unfortunate - Fortune

(g) Write sentences using the following words from the passage:

i) unique - para 1

Ans:- Touring the small villages of vietman by bicycle was a unique experience.

 ii )unexpected - para 2 

Ans:- The unexpected often happens in life.

iii) horrified - para 2

Ans:- Harry, who had been sitting in a kind of trance, had a sudden Idea.

 iv) innovations - para 3 

Ans:- Though technology and innovations ,they found  Way together to get better result with less work. 

v )entrepreneur - para 4

Ans:- A skilled enterpreneur understand not only how businesses work, but also how to motivate the people.

Q.2.Here is a phone conversation. Fill in the blanks with the appropriate sentences/phrases.

A.2.
Receptionist: Good Morning, Willow Sports,Can I help you.? 

Harsh: Hello, this is Harsh Wadhwa calling from Mumbai. Earlier this month I wrote to Mr. Tikku about some new sports equipment we have designed. He sent me an email suggesting I call to make an appointment to meet him in BengaluruPlease, connect me to Mr.Tikku.

 Receptionist: Yes Mr. Wadhwa, I‟ll connect you to Ms. Rini Rebello, Mr. Tikku‟s secretary. She will help you with the appointment. 

Harsh: Hello, This is Harsh Wadhwa.Can you please ask him to give me appointment.

 Rini: Sure,When would you like to come to Bengaluru? Harsh: Not until this week ,but any time next week would be good for me but any time next week would be good for me. 

Rini: Fine we keep it for 12th of June.

 Harsh: Thank you. That‟s great.

Q.3. Read the following letter and write a suitable reply to it. 

Dear Sirs, We have received your consignment of Silky Blankets against our order no. AK/1/231, dated 16th March, 2016. 

We regret to inform you that we have received only 900 blankets packed in nine cartons. 

As we have to send off the bulk supply by the month end, kindly send us the remaining part of our order i.e. 300 blankets as soon as possible. 

Yours sincerely (……….)


A.3. 
Subject :-  Regarding the remaining part of the Consignment against order on AK/1/231 , dated 16th March, 2016. 

   Dear Sir, 

As you said that you have received only 900 blankets , we started to investigate from all our sources and get to know that the remaining part of the consignment is still left with the courier service company. 
   We have sent the whole consignment in bulk. But it is fault from third party Courier company. I have sent him am Email to deliver the rest of consignment to you as soon as possible.

  We hope the remaining blankets ,i.e. 300 blankets would deliver to you within 3 days.

Yours sincerely

 (……….)


Q.4.Write an essay in 250 to 300 words on any one of the following:

A.4.

 Different ways in which the internet can help students learn:-

Internet is the invention of modern and high technology science. It provides us amazing facility of searching any information from any corner of the world by anyone. We can connect more than one computer to each other using this internet in order to easily access information from any connected computer from one place. Using internet we can send any big or small message, information very quickly within seconds to anyone’s computer, mobile or other digital device like tablets, PC, etc. It is a vast storage of information as it has more than billions of running websites related to the domestic, business, academic, governmental, etc. We can say it is a network of networks.

Advantage

There are many advantages of internet.
  1. We can make donations online.
  2. We can send and receive information across large matrix of computer systems. Through email service, we can send messages for both business and personal purposes.
  3. Internet has opened doors for virtual online offices.
  4. During the festive season, we don’t need to visit crowed stores to buy our stuff. We can make online purchases at a bargain price.
  5. We can send birthday greeting cards through the internet.
  6. Before making any purchases, we can check online for user reviews of the products that we intend to buy.
  7. We can use social media applications on our personal computer and mobile devices. In this way, we can reconnect to our old school friends.
  8. We can gather information for new job openings. We can also apply online for jobs.
  9. We can earn online by doing freelancing jobs, selling online, completing surveys, affiliate marketing, etc.
  10. We can also sell old items that are of no use for us.
  11. During idle time, we can listen to music or watch a video.

Disadvantages

The disadvantages of internet are:
  1. We often tend to purchase those extra items that we rarely need. Such purchases are a wastage of money.
  2. The internet is not free. Sometimes, it hurts while paying bills.
  3. There are hundreds of vendors selling products of various brands. We get confused with too many choices.
  4. The transaction cost levied by the payment gateway providers decreases the margin of the online sellers.
  5. Too many contradictory review leads us nowhere.
  6. The physical distance among loved ones is increasing.
  7. Somewhere the emotional connect between people are missing.
  8. We feel helpless when the internet connection is down.
  9. We always remain engaged with many online activities such as checking emails, socializing, chatting, online shopping, business-deals, etc. We don’t get time to rest.
  10. Our life is moving at the pace of internet. We seldom spare few moments of peace for us.

Uses of Internet

The key to success of Internet is the information. The better the quality, the more usage of Internet operations.
Large volume of Information: Internet can be used to collect information from around the world. This information could relate to education, medicine, literature, software, computers, business, entertainment, friendship, tourism, and leisure. People can search for information by visiting the home page of various search engines such as Google, Yahoo, Bing, etc.
News and Journals: All the newspapers, magazines and journals of the world are available on the Internet. With the introduction of broadband and advanced mobile telecommunication technologies such as 3G (third generation) and 4G (fourth generation), the speed of internet service has increased tremendously. A person can get the latest news about the world in a matter of few seconds.
Electronic Mode of Communication: Internet has given the most exciting mode of communication to all. We can send an E-mail (the short form of Electronic Mailing System) to all the corners of the world.
Chatting: There are many chatting software that can be used to send and receive real-time messages over the internet. We can chat with our friend and relatives using any one of the chatting software.
Social Networking: People can connect with old friends on social networking sites. They can even chat with them when they are online. Social networking sites also allow us to share pictures with others. We can share pictures with our loved ones, while we are on a vacation. People are even concluding business deals over these social networking sites such as Facebook.
Online Banking (Net-Banking): The use of internet can also be seen in the field of banking transactions. Many banks such as HSBC, SBI, Axis Bank, Hdfc Bank, etc. offers online banking facilities to its customers. They can transfer funds from one account to another using the net-banking facility.
E-commerce: Internet is also used for carrying out business operations and that set of operations is known as Electronic Commerce (E-commerce). Flipkart is the largest e-commerce company in India. The rival, Amazon, is giving stiff competition to Flipkart.
Mobile commerce: Mobile commerce (also M-Commerce) refers to the commercial transaction that takes place over the mobile internet. Using the mobile internet technology, many companies have introduced mobile version of websites and mobile apps, to promote and sell their products. Customers can simply browse several through the products and buy online through mobile internet.
Mobile wallet: Many companies offer the service of mobile wallet to its customers. Users must have a smart-phone and internet connection to use this service. Users can pay an amount into their mobile wallet, which they can use to make online payment such as bill payments, recharges, etc.
Entertainment: Apart from a major source of knowledge and information, the utility of Internet in the field of entertainment cannot be undermined. We can visit various video sites and watch movies and serials at our convenient time.
Technology of the Future: Internet is the technology of future. In the times to come, offices would be managed at distant places through Internet.

Q.5. If you were evaluated in a group discussion what are the factors that you think the evaluator will assess you on.

A.5. Group discussion is rapidly becoming one of the most widely used forms of interpersonal communication in modern society.  In the world of business, managers may spend up to 50% of their time in meetings.  Public meetings may be held to discuss the budget proposed by a school board or a city's new zoning laws.  Students may be asked to carry out assignments in small groups.

The Nature of Group Discussion

Group discussion occurs any time three or more people meet to solve a common problem, arrive at a decision, or answer a question of mutual interest.  The idea of cooperation is basic to discussion.  It means that the members of the group must share a desire to achieve a common goal.  They may not all wish to achieve that goal in exactly the same way, but they must be willing to devote their energies to reaching a group solution, rather than promoting their own individual agendas, solutions, or opinions.  This does not mean that there won't be differences of opinion in the group discussion, rather it means that each member must enter the group with an open mind, genuinely prepared to listen as well as to argue.

Factors Affecting Group Discussion

Size of the group

Cliques Within a Group:  A clique consists of a few of the group members who become separate group within the larger group.

Personal Goals of Members:  People join groups to achieve some kind of common goal. 
 This goal may be to make a joint decision, to solve a mutual problem, or to share information.

Physical Environment:  Groups should meet in a suitable environment considering temperature, noise, and visual distractions.

Seating Arrangement:  Proxemics should be considered when setting up a group discussion. 

Time for Discussion:  Avoid setting group discussions just before lunch or at the end of a busy day.

Following are some of the things which you must take care off to succeed in the GD.

Read voraciously

Make a habit of reading voraciously on every subject. This will keep you ready for any topic for a discussion in GD Your knowledge is your most important weapon in a discussion. 

Initiate the discussion

Most of us have a misconception that initiating the discussion would give you an advantage over others. It does give you an advantage but only if you know the subject well and have something relevant to start the discussion otherwise it is a disadvantage. 
For e.g. When a group was given a subject “Is Capital punishment right?” some members of the group heard the word punishment and jumped at starting the discussion with out understanding the meaning of Capital Punishment. The evaluators kept hearing for 2 minutes after which they intervened and asked the group if they knew the meaning of Capital Punishment. Not to say, the members who initiated were quite looking at each other’s faces. That is when a quite member of the group got up and explained the meaning of the topic. From this incidence, you can easily tell who must have succeeded in the GD, the ones who initiated the discussion or the one who explained the topic and gave it a right direction. 
They say, “Speaking just for the sake of speaking is noise”. So, don’t create noise in the GD rather make some useful and resourceful contributions to get noticed in the discussion. 

Speak politely and pleasantly

As you speak make sure that you do not speak at the top of your voice. You should be audible and clear. Remember that you are participating in a discussion which is different from a speech given out by the leaders in their rallies. Even if you disagree with the other’s point of view, disagree politely. Use phrases like, I would like to disagree a bit here, I am sorry but I think I have a slightly different point of view here. 

Be précised

Abstain from using irrelevant information and data from your talks during a GD Speak precisely so that others also get a chance to put across their point of view. 

Acquire and apply knowledge

Stay attentive to the ideas put forward by other group members and keep writing the important points discussed during the GD As you get a chance to speak, put forward your views about the topic. You can also agree or disagree with other’s ideas, based on your knowledge about the subject. 

Agree with the right

Don’t take a stand on either extreme when the discussion begins. It might happen that you get convinced by other’s argument and want to change your stand. Respect other’s opinion as well and agree with what is right, even if you initially had a different opinion. 

Speak confidently

Maintain your confidence as you speak. Establish eye contact with other members of the group and do not let your voice tremble. 

Moderate

Try to moderate the discussion if any arguments arise. This is necessary to ensure that the group doesn’t wander from the goal of the GD 

Use positive body language

Your body language should not demonstrate dominance or low self confidence. Show your interest in the discussion through your gestures like bending forward a bit, nodding your head. 

Be a team player

Last but not the least, be a team player as this is a group activity. Be comfortable with the group members and vice versa.  

Q.6.A junior colleague who wants to take the third leave within a week comes to the boss – you. Find out what his/her problem is and help him/her without compromising on the interest of your business/work.

A.6.




Q.7. Write short notes on the following:


(a) Written versus oral communication(b) An effective meeting(c) Barriers to communication

A.7.(a)  Written versus oral communication

Written communication is the process of communication in which messages or information is exchanged or communicated within sender and receiver through written form.
On the other hand, oral communication is the process of communication in which messages or information is exchanged or communicated within sender and receiver through the word of mouth. 
The differences between oral and written communication are of followers:

A.7.(b)  An effective meeting
A group of friends carries on a conversation for a couple of hours. No one remembers how they ended up talking about the lives of penguins in the Antarctic when they had started out discussing home computers. Unless the friends were trying to accomplish something more than interesting conversation, they did no harm. When business meetings resemble this gathering of friends, however, few decisions are made and much time is wasted. It takes skill and follow-through to conduct effective meetings.

Meetings can be useful. Workers can learn directly rather than through the grapevine about new personnel policies or participate in decisions affecting them. Subordinates can keep supervisors and co-workers informed of new developments or conditions encountered on the job. Often workers come in contact with potential problems first, and early detection can save time and expense. Meetings, then, are held to inform people about policies or operations, gather information, conduct training, resolve problems, or make decisions.

What makes for an effective meeting? Having a purpose, preparing ahead of time, setting goals during the meeting, and making provisions for follow-through and assessment afterwards are critical. A successful meeting is like a team who carefully cuts, trims and prepares a portion of meat to be hung by a hook. A hook is added, the meat is lifted and placed on a rail, and sent on its way. Oftentimes much work takes place in meetings. The participants may have cut, cleaned and even lifted the heavy carcass, but they have failed to put it on the rail. Next time, they will have to clean and lift it again.

A.7.(c) Barriers to communication
Communication is a process involving transmitting and receiving information. If the message sent by the sender is received in the same way as it was intended, the process of communication is called successful. But sometimes this does not happen due to some barriers in the process of communication. Barriers affect adversely the effectiveness of communication. In this chapter we will discuss some such barriers, for the awareness of the problems in itself is half the solution.
1. Wrong Choice of Medium
-: There are various mediaof communication available- oral, written, visual,audio-visual etc. The medium of communicationshould be selected according to the kind of situation.A wrong choice may leads to many disturbances. For examples, if an employee wants to discuss somethingimportant with his superiors, a telephonicconversation or written letter may not of as much helpas the face-to-face dialogue.
2.Physical Barriers-
a)Noise--  Noise is a big barrier in communication. Infactories oral communication is difficult due toexcessive noise of the machines. There should besound proof and separate places in factories or mills for discussing important affairs.
b)Defects in the medium-  A defective telephoneconnection or a poor mobile network, a slow

Q.8.Do as directed:

A.8.(a)

i) Although she spoke very fast, I understood nearly everything.

ii) I couldn‟t read because it was too dark. 

iii) The food wasn‟t very good, but e ate everything.

iv) The lesson finished early, so we went for a walk. 

v) when I received his letter I went round to see him.

A.8.(b)
Fill in the blanks with the correct forms of the verbs in brackets:

i )I am sure we meet (meet) our targets if we will maintained ( maintain) our current level of sales.

ii )If I were (be) in your position, Iwould insist (insist) on having more staff in the department.

iii ) met (meet) an old business colleague of mine while I was travelling to Delhi for a conference.

A.8.(c)
Fill in the blanks with the correct preposition:

i )The bus moved up the dirk track and stirred  up the dust. 

ii )Ben fell from his bicycle and broke his leg. 

iii )The jeep raced round the corner at 80km an hour. “Hold on !” the driver cried. 

iv) Mike wanted to leave the party at midnight. His friends asked him to stayon 

v )The dog could not get at the thief because it was tied to the gate.

A.8.(d)
Fill in the blanks with the noun or verb form of the given word. Please make sure that the verb/noun is grammatically correct for the context.

Examine - The history teacher told the class. “The final examinationwill be in June. You will be examined on all the topics you studied this semester.

Permit - The teacher gave John permission to leave the class early. Students are normally not given permission to leave early but John had a good reason.

 Explain - Charlie didn‟t understand the teacher‟s explaination about the laws of friction.


40 comments:

  1. Replies
    1. I was intrigue and so much happy when Mr Derrick sent me his Blank ATM Card. since 2years ago i needed some money to finance my business and pay my bills at home and some other things,but i wasn't able to do all this, because i had no money, And i have gone to many companies trying to get help even bank but no way out. until i saw a blog comment of Juan Nate and when i saw his reviews i was Glad. so i contacted Mr Derrick on his Email and after i did i told him about my present situation and that in a lot of debts and he wrote to me assuring me that once i have obtained his Blank ATM Card things will change for the better. after 4days i received and i began to use. following instructions given to withdraw with the ATM Blank Card. dear viewers i have withdraw more than $10,000 within 5days, Mr Derrick ATM Blank Card is save to withdraw funds from any ATM Machine. having more than $40,000 More to withdraw from the blank Card i Purchase from Mr Derrick dear friends you also can start getting money like me and be very rich too and be able to elevate your business and pay your bills. Just write to Mr Derrick on his Email: Derricksecureblankatmhackers@gmail.com. and change your situation and life around for the better.


      Delete
    2. This comment has been removed by a blog administrator.

      Delete
    3. How i got my Desired Loan Amount from a Reliable Loan Company (Adolfloancompany@yahoo.com)

      Hello everyone, My name is Ketesha Frank, I am from the Alabama, United State, am here to testify of how i got my loan from Mr Adolf Alex Loan Company{ ( Adolfloancompany@yahoo.com) } after i applied Two times from various loan lenders who claimed to be lenders right here this forum, i thought their lending was real and i applied but they never gave me loan until a friend of mine introduce me to Mr Adolf Alex Loan Company, who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I had doubts but i never seize to believe. I never thought there are still reliable loan lenders until i met Mr Adolf Alex, who really helped me with my loan and changed my life for the better. I know there are still many good lenders out there but i would advise you to try Mr Adolf Alex Loan Company, his caring and understanding. don't know if you are in need of an urgent loan also or want funding for your projects, So feel free to contact Mr Adolf Alex Loan Company his email address is ( Adolfloancompany@yahoo.com) or Text: (913) 274-9127

      Delete
    4. Hi guys I am the master of BLANK ATM AND CREDIT CARD,BITCOINS AT AFFORDABLE PRICE for everyone.

      We sell this cards to all our customers and interested buyers worldwide, the card has a daily withdrawal limit of $5000 and up to $50,000 spending limit in stores and unlimited on POS.
      FOR ORDERING

      Blank Atm Card
      Credit Card
      Bitcoins
      and the rest contact us now

      Call/WhatsApp: +1(929)390-8581

      E-mail: globalhackingcompany@gmail.com
      Contact us now for immediately help.....

      Delete
  2. Replies
    1. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com

      Delete
  3. One website which must open on 0 balance like your network provider website or website like 0.facebook.com or any website opening on 0 balance. web design

    ReplyDelete
    Replies
    1. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com

      Delete
  4. David Benjamin ATM company is indeed a wonderful place to be. For the past 6 months i have been paying money to several companies just to get me a loaded card and all have scammed me of my money without any delivery. I was told by a friend who got her card in less than 4 days of her applying to contact davidbenjaminltd@outlook.com and lo and behold i was told to make a delivery payment and part payment for the card balance when i receive the card and must have tested it. Am proud to announce to any one in need of a genuine hacker who is tired of loosing money to rippers to contact : davidbenjaminltd@outlook.com and get you card without any story telling.

    ReplyDelete
  5. There is no pleasure in being poor, you have to be competittive change

    your financial status now with the help of the Blank ATM Card that has no

    trace or risk, it will give your life a meaning,withdraw up to $2500 daily,so

    you can be able to pay your billswith no need for a loan and provide for

    your family. This Blank ATM card is a programmed card that has the ability

    to break into any ATM machine in the world and rendering all CCTV useless

    when making withdrawal contact a reliable and dependable COMPANY

    today via email:
    davidbenjaminltd@outlook.com

    ReplyDelete
  6. 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 CLIFFORD. 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. praying and hoping it was not a scam i used the blank CARD and it was successful i withdraw nor less than $20,000 every day the blank CARD worked like a magic and now i have become rich and famous in my society, if you want to order for the blank ATM CARD here is there email address : cliffordhackerspays@gmail.com....

    ReplyDelete
  7. Testimony on how i got my LOAN.....(Brianloancompany@yahoo.com)

    Hello Everyone, I'm Harvey Lee a resident/citizen of the United States of America.I am 52 years of age an entrepreneur/businessman. I once had difficulties in financing my project/business.If not for a good friend of mine who introduced me to Mr Chester Brian to get a loan worth $250,000 USD from his company. When i contacted them it took just 48 hours to get my loan approved and transfer to my account after meeting all their modalities i to their loan agreement/terms and conditions. Even if you have bad credit they still offer there service to you. They also offer all kinds of loan such as Business loan,Home loan,Personal loan,Car loan,Loan for Business start up and Business Expansion. i don't know how to thank them for what they have done for me but God will reward Mr Chester Brian mightily.If you need an urgent financial assistance you can contact them today via this email (Brianloancompany@yahoo.com) OR text +1 (803) 373-2162 and also contact there webpage via brianloancompany.bravesites.com

    ReplyDelete
  8. End your financial worries today: I want to use this medium to testify on how i was bless by DMH CYBER LINK,I lost my job that I almost gave up on fate to die but thank God for directing me to DMH CYBER LINK.I publish this message because DMH CYBER LINK made me feel blessed. It`s through friend I meet this honest and generous God fearing man who helped me get Rich, You needed financial help, You are stuck, No access to bank credit, or do not have the benefit of a bank, you need to finance your construction, real estate development, creating your own business up your personal business, you have seen and need to make money, a bad credit or need money to pay bills or debts. so I advise you out there to kindly contact . Email: dmhatmhacker@gmail.com or dmhatmhacker@hotmail.com Contact him for more information, be clear and honest.

    ReplyDelete
  9. I was intrigue and so much happy when Mr Derrick sent me his Blank ATM Card. since 2years ago i needed some money to finance my business and pay my bills at home and some other things,but i wasn't able to do all this, because i had no money, And i have gone to many companies trying to get help even bank but no way out. until i saw a blog comment of Juan Nate and when i saw his reviews i was Glad. so i contacted Mr Derrick on his Email and after i did i told him about my present situation and that in a lot of debts and he wrote to me assuring me that once i have obtained his Blank ATM Card things will change for the better. after 4days i received and i began to use. following instructions given to withdraw with the ATM Blank Card. dear viewers i have withdraw more than $10,000 within 5days, Mr Derrick ATM Blank Card is save to withdraw funds from any ATM Machine. having more than $40,000 More to withdraw from the blank Card i Purchase from Mr Derrick dear friends you also can start getting money like me and be very rich too and be able to elevate your business and pay your bills. Just write to Mr Derrick on his Email: Derricksecureblankatmhackers@gmail.com. and change your situation and life around for the better.


    ReplyDelete
    Replies
    1. I’m KIM CAMPBELL from New Jersey United States. I lost my job few months back after my divorce with my Husband. I tried everything positive to make sure i take good care of my kids but all failed, and i was in debts 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 hacker, i was scared at first but after i was shown proof of persons who had their lives changed i was let with no choice but to take a bold step,and till today that is the best one i ever took, and today i am very happy with my life, though they do not know i am doing this i really want them to have the best in life, contact them on their email:dmhatmhacker@gmail.com or dmhatmhacker@hotmail.com #money #ATM #CARD #HACKER #HELP #WORK #USA #AMERICA #ASIA

      Delete
  10. I’m KIM CAMPBELL from New Jersey United States. I lost my job few months back after my divorce with my Husband. I tried everything positive to make sure i take good care of my kids but all failed, and i was in debts 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 hacker, i was scared at first but after i was shown proof of persons who had their lives changed i was let with no choice but to take a bold step,and till today that is the best one i ever took, and today i am very happy with my life, though they do not know i am doing this i really want them to have the best in life, contact them on their email:dmhatmhacker@gmail.com or dmhatmhacker@hotmail.com #money #ATM #CARD #HACKER #HELP #WORK #USA #AMERICA #ASIA

    ReplyDelete
  11. I’m KIM CAMPBELL from New Jersey United States. I lost my job few months back after my divorce with my Husband. I tried everything positive to make sure i take good care of my kids but all failed, and i was in debts 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 hacker, i was scared at first but after i was shown proof of persons who had their lives changed i was let with no choice but to take a bold step,and till today that is the best one i ever took, and today i am very happy with my life, though they do not know i am doing this i really want them to have the best in life, contact them on their email:dmhatmhacker@gmail.com or dmhatmhacker@hotmail.com #money #ATM #CARD #HACKER #HELP #WORK #USA #AMERICA #ASIA

    ReplyDelete
  12. URGENT AFFORDABLE BLANK ATM CARD

    Hi Viewers Get your Blank ATM card that works in all ATM machines all over the world.. We have specially programmed ATM cards that can be used to hack ATM machines, the ATM cards can be used to withdraw at the ATM or swipe, at stores and POS. We sell this cards to all interested buyers worldwide, the card has a daily withdrawal limit of $5,000 on ATM and up to $10,000 spending limit in stores depending on the kind of card you order for, and also if you are in need of any other cyber hack services, we are here for you anytime, any day. email Atmcardcashmachine@gmail.com I'm grateful to Mr David because he changed my story all of a sudden. The card works in all countries except, contact him now @ Atmcardcashmachine@gmail.com

    ReplyDelete
  13. Are you suffering financially or do you need urgent cash to pay your bills? worry no more because, there is away you can earn money without stress.You can change your life in just 18hours. contact (MR Brown) for a blank [ATM SMART CARD]today and be among the lucky ones who are benefiting from this cards. This PROGRAMMED blank ATM SMART card 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 a loan lender online about a month ago..It has really changed my life for good and now I can take of my family. The least money I get in a day with this card is about $7000. Everyday i have enough money to take care of my family. Though is illegal, there is no risk of being caught , because it has been programmed in such a way that it is not traceable, and also it renders the CCTV useless when you are withdrawing money..For Details on how to get a card today, email the Hackers On : (Brownatmblankcard@gmail.com)Or Call +18327905722)

    ReplyDelete

  14. Are You In Need Of Business Loan? , personal Loan. Loan to buy house ? If Yes; Contact us via baezblankcard@aol.com email. And can call me or text me on +1(973) 291-2519 for more info with the details below:

    Applicant Name:
    Amount Needed:
    Duration:
    Country
    Cell No:
    Gelder:
    Email:

    Note: only serious applicant needed.

    Regards,

    Wallace Dickson


    ReplyDelete
  15. 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 America Express Hackers & we both confirmed it if it really works. Truly, the card worked & without delay i gave it a try also. Ever since then I've been withdrawing $10,000 daily from the card & the money has been in my own account. Am glad i gave it a try at last & this card has really changed my life financially without getting caught, its real & truly works and made me rich!! Instead of getting a loan, i will advise you get this blank ATM card now!! This Carmella Raymond citizen of United States. Contact the hackers via Email: [ Americaexpresscard@hotmail.com ]

    Text only via cell number: +1 (518) 460-6400 for more info.

    ReplyDelete
  16. I am very excited today and do not know where to start my testimony from. I was a poor woman with 3 kids and find it difficult to pay my bills and feed my kids.My husband left me and the kids for another woman and ever since then we were living in pain and hunger but just few days ago i came across a testimony of a man who got a blank ATM card from Mcgregor Kelvins so i immediately contacted them for the same type of ATM card and i am very happy to announce to the world that i am living a fulfilled life. This Blank ATM card can withdraw up to 10,000 dollars and more daily without you having any account with any Bank. I have been able to buy a house and living big with this blank ATM card. Are you poor and need help then contact Mcgregor Kelvins via ( americaatm@hotmail.com ) or via VIBER (+1-518-460-6872)

    ReplyDelete
  17. Get THE 2017 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 only withdraw a total amount of $5,000.00 USD in a day. Now email us today at our E-mail address at: Atmcardcashmachine@gmail.com and get your card today and live that luxury life you every dream to live.

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

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

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

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

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

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

    ReplyDelete
  24. CommentI got my ATM card already programmed and blank to withdraw the maximum of $ 20,000 per day. I'm so happy with this because I got mine and what I used to get $ 150,000. Mr Pedro is delivering the card only to help the poor and needy, although it is illegal, but it is a good thing that it will help your financial difficulty to a change in financial level. And nobody is caught using the card because the card is well programmed and is very active. take out yours of the. Just send him an email at martinshackers22@gmail.com THIS IS 100% REAL. I AM A BENEFICIARY OF THIS. HACKER EMAIL: martinshackers22@gmail.com....

    ReplyDelete
  25. You can GET THE NEWLY IMPROVED BLANK ATM CARD that can hack any ATM, ANYWHERE IN THE WORLD.{martinshackers22@gmail.com} I have been hearing about these BLANK ATM CARDS. I never knew it existed but until i tried my best to look for how i will get money to start up a business and pay my bills, i visited some sites so many times. I saw how people get helped with Blank ATM card from Hacking man called MARTINS. I was really surprise but i don’t really know what to do so i decided to email MARTINS. I complained to him how i needed money and he reply Yes, so I inquired about The Blank ATM Card. I have the faith is real and it will work because i saw many comments talking about his card. He told me Yes and that it is a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. i was amaze. after doing what he ask, 3 days later i received my card from DHL, i rush to try it on the closest ATM machine close to me, It worked like magic i was so happy. I was able to withdraw up to $9000 immediately. This was unbelievable and the happiest day of my life, So far i have being able to withdraw up to $88000 without any stress of being trace and caught. I don’t know why i am posting this here but i care about everyone who need financial help should contact him via {martinshackers22@gmail.com}

    ReplyDelete
  26. I am a living testimony of change. I can safely say that i have been blessed and my life transformed from being just a company attendant to a business owner all in the space of 1 month after i got the BLANK ATM CARD from davidbenjaminltd@outlook.com I did try to purchase this card earlier but it never came until i meet DAVID BENJAMIN and the card was delivered to me in less than 4 days as earlier told. I am using this medium to reach out to the world for those who got plans to go bigger and better in life to contact this company via davidbenjaminltd@outlook.com
    asap for certified and trusted services.

    ReplyDelete
  27. What's the essence of trying to get a loan when actually there is a way you can make more money now with just a Blank ATM card? if you need one do not hesitate to contact these hackers on this email: phantomghostatmhacker101@yahoo.com also good at other types of geeking.

    ReplyDelete
  28. Hi guys I am the master of BLANK ATM AND CREDIT CARD,BITCOINS AT AFFORDABLE PRICE for everyone.

    We sell this cards to all our customers and interested buyers worldwide, the card has a daily withdrawal limit of $5000 and up to $50,000 spending limit in stores and unlimited on POS.
    FOR ORDERING

    Blank Atm Card
    Credit Card
    Bitcoins
    and the rest contact us now

    Call/WhatsApp: +1(929)390-8581

    E-mail: globalhackingcompany@gmail.com
    Contact us now for immediately help.....

    ReplyDelete
  29. There are various company's options who are offering make my assignment services, but choosing the best is not easy. We at Student Assignment Help have a brilliant writer who provides top-notch assignment services.

    ReplyDelete
  30. Do you need an urgent blank ATM CARD to solve your financial needs. i want to tell the world about my experience with. i discovered an hacking team called skylink technoloy. they re really good at what they do, i inquired about the BLANK ATM CARD. if it works or even Exist, then i gave it a try and asked for the card and agreed to their terms and conditions. three days later i received my card and tried it with the closest ATM machine to me, and to my greatest surprise it worked like magic. i was able to withdraw up to $4000.This was unbelievable and the happiest day of my life. there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate into it because it have been programmed with various tools and software. i just felt this might help those of us in need of financial stability. The card have really change my life. if you want to contact them, HERE is the email

    skylinktechnes@yahoo.com or whatsapp: +1(213)328–0248

    ReplyDelete
  31. What has your government done to help save you from your financial instability? you strive to survive and yet you hear stories of how your leaders have become terror in your entities... is time to make a different. for will have made money, and we have also come to help you out from your long time of financial suffering. clearing of credit card is made available, software for hacking ATM machines, bank to bank hacking and transfer, change your school grade and become something useful in the society. we also have other form of services such as Facebook hack, whats-app hack, twitter hack, i cloud hack, tracking of smart phones, hacking CCTV, installation of software on desktop and PC, snap-chat hack, Skype hack, wire wire, bitcoin account hack, erase your criminal record and be free for ever. database hack and many more. e-mail: cyberhackingcompany@gmail.com for your genuine hacking services and we shock we your findings.  

    ReplyDelete
  32. email: visacreditcardsolution@gmail.comGET YOUR BLANK ATM CREDIT CARD AT AFFORDABLE PRICE*
    **We sell these cards to all our customers and interested buyers
    worldwide,the card has a daily withdrawal limit of $5000 and up to $50,000
    spending limit in stores and unlimited on POS.**

    **WHAT WE OFFER**

    *1)WESTERN UNION TRANSFERS/MONEY GRAM TRANSFER*
    *2)BANKS LOGINS*
    *3)BANKS TRANSFERS*
    *4)CRYPTO CURRENCY MINNING*
    *5)BUYING OF GIFT CARDS*
    *6)LOADING OF ACCOUNTS*
    *7)WALMART TRANSFERS*
    *8)BITCOIN INVESTMENTS*
    *9)REMOVING OF NAME FROM DEBIT RECORD AND CRIMINAL RECORD*
    *10)BANK HACKING*

    ReplyDelete
  33. email: visacreditcardsolution@gmail.comGET YOUR BLANK ATM CREDIT CARD AT AFFORDABLE PRICE*
    **We sell these cards to all our customers and interested buyers
    worldwide,the card has a daily withdrawal limit of $5000 and up to $50,000
    spending limit in stores and unlimited on POS.**

    **WHAT WE OFFER**

    *1)WESTERN UNION TRANSFERS/MONEY GRAM TRANSFER*
    *2)BANKS LOGINS*
    *3)BANKS TRANSFERS*
    *4)CRYPTO CURRENCY MINNING*
    *5)BUYING OF GIFT CARDS*
    *6)LOADING OF ACCOUNTS*
    *7)WALMART TRANSFERS*
    *8)BITCOIN INVESTMENTS*
    *9)REMOVING OF NAME FROM DEBIT RECORD AND CRIMINAL RECORD*
    *10)BANK HACKING*

    ReplyDelete