[Today’s post is from The Physician Philosopher, an academic anesthesiologist who writes about financial independence, personal finance, and physician wellness topics. In this article, he applies Hippocrates’s famous dictum, “primum non nocere” or “First, do no harm” to personal finance. This article previously ran on The Physician Philosopher’s blog in June 2018. -WSP]
We are taught it early and often in medical training: First, do no harm. The premise is that medical diagnostics and treatment can and do cause harm. So, your first job in medicine is to not cause further harm to patients. Interestingly, this is no different in personal finance (or physician finance). The first job is to avoid causing yourself harm. Today, we will discuss three causes of harm in medicine and their corollary in personal finance.
So, how can you “First, do no harm?” I’ll tell you three ways.
Let’s dig in.
1)The Incindentaloma in Medicine
I often hear people say, “man, if I could just get a full-body CT scan to make sure everything is fine…” The problem is that this may not be helpful at all. Random findings on CT scans can and do cause harm.
They even have a name (“incindentalomas”). In other words, they are incidental findings that would not have been found if a test was not ordered. They may or may not have significance to your health.
For example, let’s say we order a chest x-ray for a person’s cough and find a “spot” on the plain film.
This doesn’t sound like a big deal until the person has a random enlargement in their lung, they get a biopsy, and then get a pneumothorax and chest tube… all to find out that the growth was benign. In this case, the incindentaloma caused harm and no harm would have occurred without our interference.
The Incidentaloma in Personal Finance
When you run across someone who has new information in personal finance, just be weary. If you don’t understand it, then you probably should not be investing in it.
For example, someone recently told me about aglorithim based investing. It sounds like a great idea, but I just don’t understand it. If my current investing plan, which involves low-cost index funds, is going to get me to my goals, why take the risk on something I don’t understand to get me there faster?
The same goes for whole-life insurance (a.k.a. cash-value life insurance, annuities, etc). It’s complicated stuff and, honestly, you likely shouldn’t be dabbling in it for you or your family.
The same can be said for cryptocurrency or any other kind of speculation. Just because someone incidentally told you about this new “great” idea doesn’t mean you should make a change.
Just stick to the easy, low-cost, “set it and forget it” plan that you started with. You can thank me later.
2) Prevent Badness: Make a Contingency Plan
An apple a day keeps the doctor away!
This idea has been here for ages. Preventative medicine is usually the best kind of medicine. It goes something like this: Eat well, exercise, and take care of yourself (sleep hygiene, don’t smoke, moderate alcohol consumption, etc). This can prevent a lot of bad health.
The basic premise here is that an ounce of prevention is more than a pound of cure. Doing all of the above after you sustain a massive stroke is going to be too little, too late. Prevent the badness and have a plan for it before it happens.
That’s how you can “first, do no harm” to yourself.
The Personal Finance Contingency Plan
It turns out the same advice is applicable to personal finance, too. You need to make sure you protect yourself and prevent badness.
Make sure you know what you’ll do before a bear market happens. Have a plan, and stick to it. If you don’t have a financial plan, then make one. Or get someone to help you make one (fee-only flat hourly rate advisors are best here; I can recommend some, if you need).
Get asset protection. If you have a spouse or children, get life insurance. If you are a resident or attending physician, get disability insurance and umbrella insurance. Have a plan before the badness happens.
If you need advice on where to seek disability insurance, just shoot me an email and I can make a couple of recommendations to you. The important part is for them to be independent disability insurance agents.
3) Advocate for yourself
The best person to look out for yourself interest is you. Smart patients realize they need to advocate for themselves. Insurance companies and big hospitals rarely perform this function.
When I was a fourth year med student (a bad year in some ways as you’ll find out below) I took a charge in the championship intramural game. I got knocked down and my elbow hit the ground causing a large laceration that would require a couple of stitches.
Doing the responsible thing, I figured I’d save the hospital system and my insurance the emergency department bill. Instead, I put a dressing on it and lined up an appointment at my family practice doctor the next day.
A couple of stitches later it was fixed. $20 co-pay. Sweet. Well, that’s what I thought. A couple of months later I received a $450 bill for surgery. For stitches. Naturally, I called the insurance company and pointed out to them that stitches aren’t surgery.
“Well, sir, when anything that is sharp goes under your skin is sharp that is considered surgery.”
My quick response pointed out the ridiculousness of that definition. “Ma’am, if I get a vaccination with a needle would you consider that to be surgery? I had two stitches and could have paid a $100 emergency department co-pay, but decided to save you and the system money and am getting screwed for it.”
Guess what happened? Nothing. I had to pay the $450. The insurance company was not advocating for their customer. I should not have been surprised.
The Need for Personal Finance Self-Advocate
Just like that insurance company above, the financial industry can often hurt you just as much as it can help. We have all had our situations where people who we thought were there to help us or give advice did just the opposite.
My first rude awakening occurred when I was told to apply for personal disability insurance as a 4th year medical student. I just had a baby girl, and all I wanted was life insurance. I was trying to be a good dad.
We all know how that story ended. I can’t get personal disability insurance now. The same can be found in the financial advising industry where there can certainly be massive conflicts of interest.
So, learn to do a little Do-It-Yourself personal finance. It’s not that complicated. Seriously. If you still need help, then consult a fee-only hourly financial advisor who will not give you conflicted in their advice.
Above all else, advocate for yourself. Do some research. Ask the tough questions. Take responsibility for your future.
Take Home
People are rarely going to be looking out for your self interest.
First, Do No Harm. Make a plan and stick to it. Ignore the random pieces of financial information that people often want to drop on you that doesn’t line up with your plan. Don’t speculate. And advocate for yourself.
Do no harm is a great concept for a financial philosophy.
There are so many traps out there in the financial world designed to separate you from your money. As physicians we educate ourselves so much about medicine but are woefully lacking in financial education.
The person who most cares about your money and has your best interest in mind is you, so you need to do everything you can to educate yourself and prevent financial harm.
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Please everyone should be careful and stop being deceived by all these brokers and account managers, they scammed me over $279,000 of my investment capital, they kept on requesting for extra funds before a withdrawal request can be accepted and processed, in the end, I lost all my money. All efforts to reach out to their customer support desk had declined, I found it very hard to move on. God so kind I followed a broadcast that teaches on how scammed victims can recover their fund, I contacted MORRISGRAY830@GMAIL. COM , the email provided for consultation, I got feedback after some hours and I was asked to provide all legal details concerning my investment, I did exactly what they instructed me to do without delay, to my greatest surprise I was able to recover my money back including my profit which my capital generated. I said I will not hold this to myself but share it to the public so that all scammed victims can get their funds back. Contact; MORRISGRAY830@GMAIL,COM…
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Lost Crypto Recovery Expert Ultimate Hacker Jerry.
I am Sophia Adams a Sweden born programmer living in Phoenix. After mining 100 btc worth $2.6M early 2022, I decided to sell off my old laptop and had to save all the wallets, private keys and passwords in the laptop to a small hard drive known as Iron keys. Unluckily the drive got lost. I tried several times to access my wallet with no luck. After trying several of my frequently used passwords with no luck, I had to look for a hacker’s help to revive my wallet Back.. That’s when I came across an article about Ultimate Hacker Jerry, a modernized expert in crypto Recovery Services. After submitting my case to Hacker Jerry, the expert worked on my case and my wallet was retrieved back with all my funds intact. I Must recommend Ultimate Hacker Jerry for the good and reliable services.
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I’m so glad that I have gotten all my funds back without any stress thanks to Century recovery team. For me, am posting this review because I want to be of help to someone out there going through a lot to recover their bitcoin even though many people told me it’s impossible. I invested about $132,000 from a Binary Operation company I found on Telegram. After much depositing, I decided to withdraw after several weeks but the withdrawal wasn’t successful. I contacted the binary operation through their email and phone number, though I didn’t get any response from them and that was when everything clicked that I was scammed. Some weeks later I got a mail from them insisting I should invest more money if I want to withdraw my money which I rejected, and I never heard from them again. I was really devastated at this moment and felt so bad that my hard earned money was gone. Then I was introduced to this wonderful recovery team Called Century Hacker by my church lead choir so I emailed them century@cyberservices.com ” explained to him what happened and all I had to do was to follow his instructions so he can help me recover my funds which he did and i got all my money back i am so happy i decided to share my good news for those that are having same issues should contact him via century@cyberservices.com
This thing about scam is really not being given enough attention as it should. I was the victim of an investment scam just a months ago and I lost everything, down to my last penny. I met the scammer on a dating site and they made me invest my last dime on a scam exchange, that’s how everything vanished. well not until my colleague introduced me to this hacker who helped her with a similar issue and he helped me recover everything that was scammed from me, and he submitted the scammers information to the authorities, just a few months later I heard they were arrested in 2 countries. I recommend anyone who has similar issue to try them, nobody deserve to lose their life savings. this is their contact below. Text (262) 249-6881
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I’m very excited to speak about Elite Wizard Bitcoin Recovery, this cyber security company was able to assist me in recovering my stolen digital funds and cryptocurrency. I’m truly amazed by their excellent service and professional work. I never thought I could get back my funds until I approached them with my problems and provided all the necessary information. It took them 72 hours to recover my funds and I was amazed. Without any doubt, I highly recommend Elite Wizard Bitcoin Recovery for all your cryptocurrency recovery, digital funds recovery, hacking, and cybersecurity-related issues.
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From my previous experience its not that easy to get back a scammed funds because these scammers are very smart and they will cover their tracks but if you manage to find a trustworthy and reliable Recovery company, I said trustworthy and reliable because many scammers are out there disguising as Recovery agents and will only take your money without recovering your money, I was a victim of such myself after loosing my all my funds to cryptocurrency scam. I sort for help and I met few recovery agents and was scammed by a particular one again. Luckily for me I was referred to a company that helped me recover all my money back and it was so fast. You can contact them at Email: Alisterrecovery(at) gmail (dot) com. They should be able to help you. It was worth it in the end.
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I want to share my story of how I became homeless and a victim of a cryptocurrency and romance scam that went on for several months before Godsent SPYHOST CYBER SERVICE came to my life. I was swindled of everything I have ever owned and went into depression. I am sure we all know $530k is no joke. At first, I thought all hope was lost until I came across an article about SPYHOST CYBER SERVICES and how they can help me recover all that I lost.In short, SPYHOST CYBER SERVICES was able to recover everything that i have lost to the hands of scammers after hacking into their server they recover more that the amount i invested. Being honest, their hacking prowess can not be matched and i still truly appreciate them till date. You can also contact them too if you’ve had a similar encounter in the past. EMAIL ( Spyhost@cyberdude .com )
I want to extend my heartfelt wishes to each individual reading the comments on this platform and express my gratitude to the administrator who established such a vibrant forum for discussion. The information in this letter will have a significant impact on your knowledge if you invest in cryptocurrencies. Please read it carefully. For the previous two years, my family and I have been trading cryptocurrencies legally, but we haven’t suffered a loss as severe as the recent one when our money totalling $557,000 was stolen by a broker who robbed us of our coins. We made every effort to file a report and recover our money by contacting the police department in charge of investigating fraudulent situations, but nothing was successful. We merely wanted the broker to assist us in mining some coins so that the sudden decline or reduction of Bitcoin won’t significantly affect us, but we ultimately fell victim to fraud. I told an acquaintance about it, and she gave me the email:leeultimatehacker@aol.com of a hacker group, which is how I got in touch with the @leeultimatehacker@aol.com and I got along well, and when I told them everything that had happened to make me fall for the scam, they provided me with the assurance that I didn’t need to worry because they will have the money in my wallet within 72 hours as promised. LEE ULTIMATE HACKER deserves all the credit.
As a Retired combat Marine, I never believed I could easily fall prey to internet fraudsters after many years serving in the National Guard. I want to tell the world the wonders of what the [HACK JUDAS] Hacking/Recovery agency is doing, it’s as important as what US troops are doing on the battlefield. You are waging warfare against these criminals and terrorists on the internet. I thought after investing with a fake Bitcoin investment website, I would lose all my money, but you saved the day by ensuring my funds were recouped from that fake crypto investment platform. Thank you for defending and protecting the most vulnerable of our society against these online predators. Keep up the good work, His contact Below.
TELEGRAM:JUDAS012
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mail: hackerjudas9@gmail.com
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I wish every business operated with transparency, integrity and trust like Spyhost Cyber Service as to me, that is the greatest dignity to humanity. I got to work with them when I lost $388k of my savings to a bogus broker. It was really hectic trying to retrieve my account and I was very skeptical about trusting anyone again. Though reluctant but i gave Spyhost Cyber Service a chance after reading recommendations online and they really showed their dignity through all forms of transparency and i will also want to thank them for their great hacking prowess. They made use of modern blockchain forensic tools to map the activity of scammers who ripped me
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Hello everyone here, this is actually the story of my life, since the early stage of my marriage I have always suspected my husband of infidelity and the situation worsened about 6-7 months ago when he became overprotective of his phone to the extent that he takes into the shower. This made me go online to see if there might be ways I could monitor what goes on in his phone, I tried a number of apps that could let you monitor someone’s phone without touching it but sadly they do not work.
I had already given up and resigned to fate when my younger sister introduced me to a hacker named REFUND POLICY they both went to the same college to help me read my husband’s messages and social medias just in case something was off, in less than a day REFUND POLICY helped me gain access to my husband’s phone remotely, I found out my husband has another wife with 2 children in another state and without wasting any more of my time with him I filed for a divorce. I am going to drop the hacker’s details in case anyone here needs his trusted services. Email: refundpolicy82 @ gmail dot com
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I’m truly grateful to SpyWeb Cyber Services for helping me recover my cryptocurrency funds from my locked account.
It’s truly amazing how quickly I was able to get back my funds once I contacted SpyWeb cyber support team.
I had lost all my retirement savings to a cryptocurrency investment scam, hoping I will get double what I invested into it. I was contacted to pay more and more money which was absurd considering that I’d put $309,000 into this platform, luckily for me, I found out this was a scam and contacted the authorities. Although the authorities were not able to recover my funds, I was referred to Spyweb cyber service by my old friend who has benefited from their services in the past. I’m just really happy Spyweb Cyber Service was able to recover my funds. Their service is top-notch.
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Everything occurred so quickly. I was at work one morning when I received an email from blockchain asking me to verify my wallet address for safety reasons, which I did thinking it was the appropriate blockchain email address sending the mail to me. I then clicked a file that was attached to the email, that’s when everything went wrong. My personal computer collapsed for a brief period, and then I got an alert that my Bitcoin had been submitted into a different wallet. I tried emailing the blockchain support since I was so enraged and perplexed to see if there was any chance I could get my bitcoins back, but they stated there was nothing they could do. I gave up on it for a little period of time. I was informed that I could actually find Bitcoin with the aid of a hacker. I requested assistance from jamesmckaywizard who was introduced to me through a colleague. They only required the information from my own wallet. The money was found in my wallet in less than 4 working days, and it turned out that the intruder had already spent some of it, leaving me with only about 53,820.00 bitcoins. I’m still pleased and happy, jamesmckaywizard@gmail.com deserves every bit of praise for the fantastic job they did. They are influential on WhatsApp and email. jamesmckaywizard@gmail.com or What’sapp +919863293475
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I want to testify about Dark Web 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 Dark Web Online Hackers send them the atm blank card and use it to collect money in any atm machine and become rich {DARKWEBONLINEHACKERS@GMAIL.COM} I email them also and they sent me the blank atm card. I have use it to get 500,000 dollars. withdraw the maximum of 5,000 USD daily. Dark Web 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.
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I have been looking for a way to invest in a bitcoin investment company. I contacted some companies but was not convinced by their explanations. I was researching and came across a binary options investment company. The investor made everything real and legitimate in such a way that you wouldn’t believe it was all a scam. Everything was still going well last week when I requested a withdrawal. I was told to invest more until it reached my withdrawal limit, then I could withdraw. I stopped talking to them and started looking for a way to recover my money because I didn’t want them to notice my next plans. All thanks to Aarongabriel310@gmail.com He puts an everlasting smile on my face by getting back my lost funds. I will keep recommending your service to anyone I know..
I started a trade with an online company my friend talked to me about some months back. Of about $150k worth btc with profit. It was going well but one time I got a message that I could not access my account. It was hard but I linked up withSean ( cybercryptogetback ) and all my bitcoins were recovered. I wish you would try him if you ever have my same issues. He is quite professional and I am here to testify. Email him at Cybercryptogetback1(at)gmail(dot)com.
I go by the Name Celina Agon Mir from Paris, currently residing here in CA Los Angeles, it’s been 9 years have been working here in United State as a Nurse, I always like using Instagram to while away time for myself and I came in contact with a Chinese profile picture, the guy was really awesome and he told me he was into broker trading that I could invest little with $5,000 and within a year I will have enough to buy myself a home and a hospital, so I decided to invest but after 8 months I tried to withdraw and I was asked for more and all this while he encouraged me to keep investing and I had already invested 183k USD with him on his broker platform and we started dating so that really makes me confident in him but it was too late to know I have been scammed after he successfully rips me and put me in a debt of $459k. The night I was to take poison and killed myself I came across ( ghostchampionwizard@gmail.com ) and they called me by WhatsApp after which I contacted them firstly, they talked to me and I was calm, less than 72 hours I have heavily restored back better than my normal life… all thanks to almighty great ghostchampionwizard
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Francisco Hacker is a true miracle worker in the realm of Bitcoin recovery. When I thought I had lost my valuable assets forever, Francisco Hacker stepped in and turned the situation around. Their expertise and relentless pursuit of a solution resulted in the successful recovery of my Bitcoin. I am forever grateful to Francisco Hacker and their team for their exceptional skills and unwavering dedication. Thanks to them, I have regained what I thought was gone forever, get in touch with them via Email: Franciscohack@qualityservice.com
HOW I RETRIEVED MY BITCOIN THAT I MISTAKENLY SENT TO
THE WRONG ADDRESS WITH THE HELP OF SPYWEB CYBER SECURITY SERVICE
E-mail: Spyweb@Cyberdude. com
Whats App: +1 213 – 723 – 6292
Hi everyone, I’m Gina Price and I’m from Perth,Australia. I’m truly grateful for the service of Spyweb Cyber Security Service, who was able to help me recover my Bitcoin that I sent to the wrong wallet address.
A while ago, I was going to send Bitcoin worth $197,000 to my colleague at work but I mistakenly sent it to the wrong address, I was completely devastated but fortunately for me, I was introduced to Spyweb Cyber Security Service by my colleague and I contacted them immediately to assist me in recovering my bitcoins. I provided the wallet address and a copy of the transaction, and within 48 hours, Spyweb Cyber Security Service was able to recover my Bitcoin. Truly amazing service and I highly recommend their services to anyone who wishes to recover their cryptocurrency funds.
Good luck
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I’m very excited to speak about Century Hackers Bitcoin Recovery, this cyber security company was able to assist me in recovering my stolen digital funds and cryptocurrency. I’m truly amazed by their excellent service and professional work. I never thought I could get back my funds until I approached them with my problems and provided all the necessary information. It took them 72 hours to recover my funds and I was amazed. Without any doubt, I highly recommend Century Hackers Bitcoin Recovery for all your cryptocurrency recovery, digital funds recovery, hacking, and cybersecurity-related issues. Email: century@cyberservices.com whatsapp: +3197005034955
I came across a company online that promised a big return on investment. I was completely sold after hours of talking with them and I started making my deposits after 2 days. The deal was so good that I decided to make a large sum of $980,000 in BTC. I tensed when the withdrawals did not go through after making a huge profit. Luckily a friend had mentioned to me about Wizard James and that he had helped him to recover his funds as well. He gave me his email wizardjamesrecovery -@- usa.com and I immediately emailed him. He asked for the necessary information and I sent it to him. This guy totally amazed me, within a maximum of 72hours he was able to give me all the breakdown of my funds and he recovered my funds successfully. Thank you so much Wizard James Recovery
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I was in total dismay when I lost my entire savings investing in cryptocurrency, I was contacted online by a lady through email pretending to be an account manager of a bank, who told me I could make double my savings through cryptocurrency investment, I never imagined it would be a scam and I was going to lose everything. It went on for weeks until I realized that I have been scammed. All hope was lost, I was devastated and broke, fortunately for me, I came across an article on my local bulletin about Elite Wizard Bitcoin Recovery, I contacted them and provided all the information regarding my case, I was amazed at how quickly they recovered my cryptocurrency funds and was able to trace down those scammers. I’m truly grateful for their service and I recommend them to everyone who needs to recover their funds urge you to contact them if you have lost your bitcoin USDT or ETH through bitcoin investment
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My sincere gratitude to Wizard James Recovery Company for his professionalism, truly he is a real deal. I would not waste my time with any other hacker and wished I had known him sooner. As a victim I came to realize all you need to do is tender the information of either the website or company that had scammed you, then let the hacker do his private job. He was able to recover more than what I lost. I contacted a broker who I saw his videos on YouTube and I invested a huge sum of money around £265,500 which was deposited using Bitcoin with hopes to gain massive returns on my investment. After a month, I made a withdrawal request, but noticed that my account was suddenly blocked for no apparent reason. I tried contacting customer support, but I didn’t get any response. That was when I involved Wizard James at (WIZARDJAMESRECOVERY (AT) USA (DOT) COM) when I was involved in this bitcoin trading scam. Thanks to him, he proved to me that scammed crypto can be recovered.
At certain points desperate measures are our only resort and we take them. Finding a trustworthy life partner can be a lifeline and I sure used one to save my relationship. I thought my husband was being unfaithful and I needed proof but was not sure how to get it. That’s when I heard about Wizard James, a hacker who specializes in helping people like me. He was very keen on understanding my situation and ensuring that I felt comfortable with his methods. He was able to hack into my husband’s devices and spy on him and he provided me with evidence that was essential for my divorce proceedings. I highly recommend wizardjamesrecovery@usa.com to anyone who is in a similar situation as I was. His level of professionalism is explicit and if I could, I would do more than just give him a review.
My sincere gratitude to the woman who commented on how she used Wizard James Recovery Service to recover her bitcoin and returned it to her wallet. Today, I can attest to his authenticity because of the services he offered to me. After some scammers gained access to my crypto-wallet and stole all my coins worth over $130,220. I was in great despair due to this situation. I can testify that this recovery agent is really a God sent. After relating all of my predicaments, details of incidence and necessary requirements for my recovery, it took him and his team of experts less than a week to track and recover all coins back. Thank you so much Wizard James Recovery. Whoever is in the same situation as I was can get in contact with him via email: WIZARDJAMESRECOVERY @ USA . COM & WhatsApp Number: (+44)(7418)(367204)
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I was in total dismay when I lost my entire savings investing in cryptocurrency, I was contacted online by a lady through email pretending to be an account manager of a bank, who told me I could make double my savings through cryptocurrency investment, I never imagined it would be a scam and I was going to lose everything. It went on for weeks until I realized that I have been scammed. All hope was lost, I was devastated and broke, fortunately for me, I came across an article on my local bulletin about Elite Wizard Bitcoin Recovery, I contacted them and provided all the information regarding my case, I was amazed at how quickly they recovered my cryptocurrency funds and was able to trace down those scammers. I’m truly grateful for their service and I recommend them to everyone who needs to recover their funds urge you to contact them if you have lost your bitcoin USDT or ETH through bitcoin investment
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Nowadays, it’s very rare to find a trustful hacker when it comes to recovery. But I can testify that Wizard James is the best when it comes to hacking. I would never be able to get my money back that I lost to one Ponzi scheme but after reading a testimonial from someone who had successfully recovered his BTC using Wizard James Recovery services. I made a large sum of 178,000 pounds in BTC investment with an improper profile and was unable to withdraw my money. I could only see my proper balance but could not make any withdrawals and this made my life unpleasant. After reading so many positive reviews about him, I made the decision to give him a try to see if he could recover my BTC. I didn’t hesitate to send him an email and gave him all the details of my predicament. I was relieved that he was able to recover much more from these scammers. Reach him on his private email at= wizardjamesrecovery @ usa . com
SPYWEB IS THE BEST BITCOIN AND CRYPTO RECOVERY COMPANY.
It was such a huge relief when I was able to recover our cryptocurrency funds with the help of Spyweb Cyber recovery company, my husband and I had invested in a fake crypto investment platform that coined us $137,000 a few months back. I came to know about Spyweb Cyber through the help of my colleague at work who had benefited from the service of Spyweb Cyber. I’m truly grateful there is such a wonderful team who is out there helping cryptocurrency scam victims to recover their money.
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Thanks
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Losing my Bitcoin to some cocky crypto investor scammer was really soul-draining. It was one of the darkest moments of my life as I was exposed and my trust was totally shattered. Not even knowing what to do or where to turn at that moment made it extremely worse. Thankfully, my last son, who is a techie, referred me to Cyber Genie Hack Pro, a group of cyber tech experts that specializes in recovering stolen cryptocurrency and internet hacking. All pieces of information required by them to successfully get my stolen crypto recovered were provided. They were able to trace and track who the fraudster was and before the end of the day, my stolen cryptocurrency of $1,474,800.00 was successfully recouped and wired into my newly registered Trust wallet. After my little happy experience with Cyber Genie Hack Pro, I can boldly tell the world, we need more people like. Cyber Genie Hack Pro team in every area of our daily lives. Cyber Genie team is dedicating their professionalism to ensure they create a secure and safe haven for scammed cryptocurrency investment victims. [ cybergenie(AT)cyberservices(DOT)com ][ https://cybergeniehackpro.xyz/ ]
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We need to stop being fooled by all these brokers and account managers, they scammed me over $100,000 of my investment capital, they kept on requesting for extra funds before a withdrawal request can be accepted and processed, in the end, I lost all my money. All efforts to reach out to their customer support desk had declined, I found it very hard to move on. I was researching and find a broadcast that teaches on how scammed victims can recover their funds, I contacted the email provided for consultation, Email: (jeansonjamesanchetawizard62 @ gmail . com) or WhatsApp number: +44 (7440) 105166 or +44 (7506) 216101. I got feedback after some minutes and I was asked to provide all legal details concerning my investment, I did exactly what they instructed me to do without delay, to my greatest surprise I was able to recover my money back including my profit which my capital generated. I said I will not hold this to myself but share it to the public so that all scammed victims can get their funds back.
We need to stop being fooled by all these brokers and account managers, they scammed me over $100,000 of my investment capital, they kept on requesting for extra funds before a withdrawal request can be accepted and processed, in the end, I lost all my money. All efforts to reach out to their customer support desk had declined, I found it very hard to move on. I was researching and find a broadcast that teaches on how scammed victims can recover their funds, I contacted the email provided for consultation, Email: (jeansonjamesanchetawizard62@gmail.com) or WhatsApp number: +44 (7440) 105166 or +44 (7506) 216101. I got feedback after some minutes and I was asked to provide all legal details concerning my investment, I did exactly what they instructed me to do without delay, to my greatest surprise I was able to recover my money back including my profit which my capital generated. I said I will not hold this to myself but share it to the public so that all scammed victims can get their funds back.
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It’s a great warning for users still not taking their online security seriously. I had someone steal $50,000 from me once (crypto). It took me 3 months with the help of (hackrontech @gmail com) and a bunch of stress to finally get it back but it was a learning experience. Ever since then I have had to tighten up my online presence. If anyone reading this has a similar issue, I recommend using them to recover your lost funds
How to Recover Cryptocurrency from fraudulent investment platforms.
Have you ever been a victim of a scam? or have you Suffered a loss from a Fraudulent Ponzi Scheme? I implore you to Contact DWOH, A Certified Cryptocurrency Assets Recovery Expert. I once fell victim to an online imposter who convinced me to invest in a Bogus Cryptocurrency scheme by claiming to have made large profits from the plan. My Mycelium wallet contained $579,000 in Crypto that I lost, I had been reporting to the Authorities tirelessly for a longtime without getting assistance before I finally got in touch with DWOH. Fortunately after a serious long chat with DWOH all my funds were recovered back.
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I always bought the idea of investing in cryptocurrency but I didn’t go through the right process and I lost all my money to a fake cryptocurrency investment platform. I didn’t do enough research and I was scammed of my hard-earned money after falling victim to a cryptocurrency investment scam. I made all efforts to get back my money but to no success, I contacted the authorities as well but they couldn’t do anything to recover my funds until I was told about Crypto Recovery Wizard, a cryptocurrency recovery company that has helped other scam victims recover their funds. I contacted them immediately and provided all the necessary information needed to help them with their investigation. Crypto Recovery Wizard was able to recover my cryptocurrency funds and was able to track down those scammers. I’m truly grateful for their reliable and professional service. Crypto Recovery Wizard is the best approach if you want to recover your locked funds, and stolen cryptocurrencies.
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When my Bitcoin disappeared into the digital ether, I thought it was an irreversible loss. But little did I know that a team of brilliant minds was dedicated to unraveling the mysteries of the blockchain. Their innovative approach and deep understanding of the ever-evolving crypto landscape breathed life back into my dreams. Their unwavering commitment, fueled by a passion for making a difference, paved the way for the recovery of what I thought was forever gone. In an industry full of uncertainty, they are the guiding light that dispels the shadows of doubt.” Email: (jeansonjamesanchetawizard62@gmail.com) or WhatsApp number: +44 (7440) 105166 or +44 (7506) 216101.
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HOW I FINALLY RECOVERED MY LOST CRYPTO: I lost all my crypto to a fake investment scam to someone I met online. I started searching for help legally to recover my funds, and I came across a lot of Testimonies about HACKER STEVE. I contacted him, providing the necessary information and it took him and his team of experts about 36 hours to locate and help recover my stolen funds. I am so relieved and the best part was, the scammer was located and arrested by local authorities in his region. I hope this helps as many out there who are victims. I strongly recommend Steve professional services for assistance with swift and efficient recovery (Crypto, Credit card, Forex, NFT, etc) on Gmail: Hackersteve911@gmail.com | https://hackersteve.great-site.net/
Losing one Cryptocurrency can be a devastating thing to experience, the fact that it is almost impossible to recover a Stolen or lost Crypto coin hurts more than anything. When a person gets scammed of their money while investing in a crypto currency platform the only thing they can think of is how to report the company and get back their money. Most victims of the scam contact their wallet account provider, their bank or the law enforcement, a few end up hiring a lawyer to sue the company but after all this stress they still can’t get their money back. Please everyone should be careful where they invest their money. Cryptocurrency has made many rich and at the same time made so many broke and desperate. Few weeks ago I was referred to Rustik Cyber Hack Service Funds Recovery Email : rustikcyberhackservice@gmail.com and I was able to get back all my bitcoin that was Stolen through a fake investment company. If you want to recover your cryptocurrency that was stolen or lost I recommend Rustik Cyber Hack Service they are reliable and trustworthy. Contact them. I wish you all the best. get more information on their Web site: rustikcyberhackservice.com and easily reach out to them through WhatsApp or Telegram.
Looks like you misplaced your bitcoin. You could relate it to losing your favorite pair of feet, only with a lot of minuses and possibly heartache. You can lose your precious digital currency for a variety of reasons, including falling for scammers. Don’t panic, though; assistance is always available to those who desire it. When I say “grit,” I mean the devoted sorcerers on the recovery team who have pledged their lives to digging up your lost bitcoin from the bottom of the universe. I lost almost $110,000 on a fraudulent cryptocurrency investment trading site a few months ago as a result of a horrible error I made. They misled me into believing that I would make a 10% daily return by investing on their platform, but sadly, this was a scam, and my money was lost. We’ve all experienced the disheartening feeling that comes when we realize our priceless bitcoins are gone. Bitcoin losses, no matter what the reason, might be catastrophic. Bitcoin recovery services, such as Coder Cyber Services, can be a huge help in this scenario. By helping people recover their lost or stolen digital assets, they provide victims a ray of hope. It can be difficult and stressful to retrieve bitcoins that have been lost or stolen. Because bitcoin is anonymous, ledger has no authority, and cryptocurrency transactions are complicated, recovering stolen money can be challenging. If you lack the necessary information and resources, it’s like attempting to find a needle in a haystack. Coder Cyber Services is renowned for its advanced data recovery services, offering solutions for businesses and individuals facing data loss situations. With a focus on security and privacy, Coder Cyber Services ensures that the recovery processes safeguard sensitive information while retrieving lost data effectively. Coder Cyber Services employs a variety of encryption methods, including symmetric and asymmetric encryption, to secure recovered data effectively. By utilizing strong encryption algorithms and key management practices, Coder Cyber Services guarantees that client information remains confidential and protected from prying eyes. In the unlikely event of a bitcoin loss, Coder Cyber Services has established incident response plans to address the situation swiftly and effectively. Their team is prepared to spring into action to contain the breach and minimize any potential damage. To get intouch with them you can email codercyberservices@tech-center.com .Additionally, Coder Cyber Services has robust data recovery strategies in place to restore any compromised data and get you back up and running as quickly as possible. In conclusion, Coder Cyber Services comprehensive approach to security and privacy in recovery processes sets a high standard for speedy recovery. By continuously evolving and adapting to emerging cybersecurity threats, Coder Cyber Services remains at the forefront of safeguarding lost bitcoin for its clients. To get all the help you need visit their website https://codercyberservices.info/
Thank you
Is it possible for scam victims to receive their money back? Yes, if you have been a victim of a fraud from an unregulated investing platform or any other scam, you may be able to reclaim what was stolen from you, but only if you report it to the appropriate authorities. You may reclaim what you’ve lost with the appropriate strategy and evidence. Those in charge of these unregulated platforms would most likely try to persuade you that what happened to your money was an unfortunate occurrence when, in reality, it was a sophisticated theft. If you or someone you know has been a victim of these situations, you should know that there are resources available to assist you. Simply do a search (hackrontech @gmail com) . It is never too late if you have the right information, your sanity can be restored.
How to Recover Cryptocurrency from fraudulent investment platforms.
Have you ever been a victim of a scam? or have you Suffered a loss from a Fraudulent Ponzi Scheme? I implore you to Contact DWOH, A Certified Cryptocurrency Assets Recovery Expert. I once fell victim to an online imposter who convinced me to invest in a Bogus Cryptocurrency scheme by claiming to have made large profits from the plan. My Mycelium wallet contained $579,000 in Crypto that I lost, I had been reporting to the Authorities tirelessly for a longtime without getting assistance before I finally got in touch with DWOH. Fortunately after a serious long chat with DWOH all my funds were recovered back.
I recommend this Expert to any victim who has lost Crypto to any fake online Schemes.
Talk to DWOH Through ;
Mail:>>darkwebonlinehackers@gmail.com
WhatsApp: +18033921735
Website: http://www.darkwebonlinehackers.com
I’m Cecilia from the USA, and a few weeks ago, I fell for a scam involving a phony cryptocurrency investment scheme. I was scammed by a woman who had gained access to a close friend’s Facebook account. I lost almost $16,500,000 in money. I initially felt it was a great investment since I made a lot of Profit out of it at first but then I was scammed into becoming a VIP member, and I started investing a lot of money without receiving my money back or having my interest taken out. It took me a very long time to find Redeemed Hacker Pro, Hacking and Digital Assets Recovery Agency, which I engaged in. With their help, I was able to withdraw all of my profits and investment from the scam investment platform. I will always be grateful to Redeemed Hacker Pro for helping me to withdraw my money and regaining my piece of mind. contact them via their hotline now: website: http://www.redeemedhackerpro.com or redeemedhackerpro.wixsite.com/redeem-hacker-pro.
I WAS ABLE TO RETRIEVE MY STOLEN BTC & USDT WITH THE ASSISTANCE OF WALLDRIVE CYBER SECURITY SERVICE.
I’m here to recommend Walldrive Cyber Security Service for your Bitcoin, crypto, and other digital asset recovery. This company was able to help my colleague and me recover all my crypto that was hacked from our blockchain wallet in less than 3 working days. I want people to do enough research on the crypto market before investing in it. I don’t know how the fake investment officer got access to my blockchain wallet and stole the sum of $977,000 worth of Bitcoin and ETH funds. This incident drained me mentally, and if I had done enough research, I would not have fallen into their trap. Fortunately, I was able to come across Walldrive Cyber Security Service after searching the Internet and seeing wonderful reviews about their service and their capabilities in recovering crypto. I’m grateful for their support and their professionalism in helping me get back my stolen crypto. If you have encountered problems like mine, you can contact Walldrive Cyber Security Service at
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If you’ve fallen victim to cryptocurrency theft, swift action is essential. Contact a reputable asset recovery service like Wizard Asset Recovery promptly and provide them with comprehensive details of the theft. Their expert team will conduct a thorough investigation, leveraging advanced technology to trace and recover your stolen funds. Throughout the process, Wizard Asset Recovery will maintain transparent communication, keeping you updated on their progress and any legal actions required. Additionally, they’ll offer guidance on strengthening your digital security to prevent future attacks. Reach out to Wizard Asset Recovery via email at Wizardassetrecovery @ gmx.us or WhatsApp at +1.315.756.1228 for expert assistance in recovering your stolen cryptocurrency and safeguarding your digital assets.
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Hello, My name is Annie Torres From Canada.
I Fell victim to a Cryptocurrency Scam, Early this year. All thanks to Captain WebGenesis who was able to recover my lost Bitcoin. It all Started with a message pop on my phone advertising a Cryptocurrency Investment opportunity and how to yield profits from Bitcoin Investments. I got interested and after doing some research I decided to put In $237,000 worth of Crypto with the Company. All went well including my profits accumulated so fast, till it was time to make my withdrawals. My account was frozen and huge funds were requested from me which I was not able to pay. I had to Quickly look out for a solution, that’s when I came Across SWIFT RECOVERY SERVICE, A certified Bitcoin Recovery Firm. After filing my case through swiftrecoveryservice006@gmail.com, I only had to wait for 72 hours and all my Funds were recovered back to me. I heartily endorse SWIFT RECOVERY FIRM for all Bitcoin and lost funds recovery.
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Hi everyone. I want to share with you all how Elite Web Recovery played a crucial role in recovering my stolen Bitcoin after falling victim to a phishing scam that resulted in losing a significant amount of my bitcoin. I discovered that $75,000 worth of bitcoin had disappeared from my digital wallet, I was devastated and panicked. Then I was in such a rush to get my $75,000 back and try to find assistance at that point. Not until I was introduced to this expert and trusted recovery company Elite Web Recovery. I reached out to Elite Web Recovery for assistance, hoping for a solution to stop the loss of my hard earned money. Through their meticulous investigation and expertise, they were able to decipher the complex network of the hack that caused my Bitcoin to disappear. And they were also able to trace the stolen Bitcoin through a virtual maze, following digital footprints left by the thieves. Elite Web Recovery services implemented recovery tactics with precision and determination. So my surprise is that the team at Elite Web Recovery worked tirelessly to track down the perpetrators and recover my stolen funds. I couldn’t thank them enough for their dedication and successful recovery efforts. And also each step taken brought me closer to reclaiming what was rightfully mine, turning despair into determination. I highly recommend Elite Web Recovery for anyone facing similar challenges in recovering lost cryptocurrency. They can be contacted at elitewebrecovery@cash4u.com
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Since I lost a little over $170,000 in a crypto scam last month, I was honestly still very skeptical about the possibility of getting a stolen Bitcoin back into the victim’s wallet. I then had to contact a hacking and recovery agency, and after finding Redeemed Hacker Pro, Hacking & Digital Assets Recovery Agent through a google search with a ton of positive testimonials, I was persuaded to seek out their assistance. Now that my doubts have been allayed, they professionally recovered my money and secured my wallet. Here are their direct contacts: website: redeemedhackerpro.com or redeemedhackerpro.wixsite.com/redeem-hacker-pro.