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Hello Talk, the 1st global language and culture exchange community, connects you with native speakers of other languages(English, Japanese, Korean, Spanish, French, Mandarin Chinese, Cantonese, Portuguese, German, Italian, Russian, Arabic, and 100 more), for FREE! Free audio and video call to better practice your listening and speaking skills4. Practice your target language with native speakers via text/audio messages3.Despite Romania’s free healthcare system, patients have to pay for essential drugs and bribe doctors, nurses and orderlies for medical services – costs that can cripple a family’s finances.When Daniel ran out of options after borrowing money from relatives, friends and banks to buy the medicine for his cancer treatment, he turned online to fast loan company Zaplo.All tax practices here are legal, allowing Boyko’s fast loans empire to minimise its tax exposure to almost just 5% tax on profits – thanks to the generous six-sevenths rebate on corporate tax – while clients of the pay-day loan companies across Europe and now, some US states, suffer under near usurious repayment terms.Extortionate interest rates One of the victims caught up in the fast loan vice is Daniel*, a Romanian national who is still in his 30s, and following a complicated treatment for lymphatic cancer.Malta: since 2011 the nerve centre for Russian billionaire Oleg Boyko’s multi-million fast loan company.His clients face interest rates that rocket to over 700% in foreclosures, but the millions flowing into his companies here can get taxed at just 5%.

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