Thread: RPPs/PPPs Fact or Myth

I see many folk are still in hope as right now GPP are held up waiting for 15000 potential investors to get their details correct and this must be also be causing tremendous frustration to the selected insurance company as they are looking forward to issuing 100,000 $200,000 insurance policies and thats a lot of money and a lot of work

Now as I have explained in previous posts these plans have to guarantee a loan at 60% so will need to be investing in funds fixed or secure assets with capital adequacy rules to secure the $20b that this represents, due to the nature of this these will need to be established funds so it narrows the choice of companies down quite a bit to well established asset rich companies

They will also need to break the law in order to issues $20b of funds off the accounting sheets......

The amazing trick is that this isn’t going to cause a ripple in the market place to keep the confidentially clause going and its being offered to financially naïve folk rather then the traditional investors through a Lloyds of London trading group .....all whilst hedge funds are collapsing through over exposure to debt backed paper and in most financial centres jobs will be lost this year as this is a major crisis in the banking sector because the central banks and notably the Bank of England will not support closing balance sheets through the overnight lending facility…….

thanks berte, sometimes we need a dose of reality and of what can be and cant be. thanks ajj

World banking is in crisis right now down to sub prime mortgages being packaged and sold as financial instruments in the bond market being exposed as having $500b of unsecured assets , know one knows where this is in the system and most banks have stopped supporting each others closing books by lending on the interbank rate to keep the account sheet positive as it were.

Looking at Private Placement Plans or sometimes known as Bank Debentures this throws up some questions when looking at some of the big treasury bill players who are also over exposed in the sub prime debt backed asset trading

The theory of PPPs is that Primary dealers buy the bills at low rates and sell these onto the secondary market at a profit…( this is true)..however where the scam is set up is in the theory that money can be blocked in a Western European bank and then leveraged by the trader for the trade where a 10% return becomes a 100% return on a 100/1 leverage trade.

Because this is how the rich get richer someone finds a way to collect small amounts to get into the trade which normally start at $10m, NDA agreements and all the usual BS apply and someone always knows someone who’s done this etc etc, This is a large money fraud scam with many charitable trusts and church groups falling prey to these every year to the tune of millions

I personally know of 3 recent HYIPs that fell for these scams…………anyone remember YMMSS and wonder what happened the deal that Kim was working on that would bring $500k into the account every day…..rumour has it that he lost millions to these scammers.

OK lets look at the FED primary dealer list, these are the corps that all the treasury bills as sold through

Primary Dealer List - Federal Reserve Bank of New York

BNP Paribas Securities Corp.
Banc of America Securities LLC
Barclays Capital Inc.
Bear, Stearns & Co., Inc.
Cantor Fitzgerald & Co.
Citigroup Global Markets Inc.
Countrywide Securities Corporation
Credit Suisse Securities (USA) LLC
Daiwa Securities America Inc.
Deutsche Bank Securities Inc.
Dresdner Kleinwort Wasserstein Securities LLC.
Goldman, Sachs & Co.
Greenwich Capital Markets, Inc.
HSBC Securities (USA) Inc.
J. P. Morgan Securities Inc.
Lehman Brothers Inc.
Merrill Lynch Government Securities Inc.
Mizuho Securities USA Inc.
Morgan Stanley & Co. Incorporated
Nomura Securities International, Inc.
UBS Securities LLC.
So these firms are the only one who access these bonds and so therefore make risk free money on every trade….according to the PPPs lots of it Trillions!!

Lets look at Countrywide Securities Corp

Countrywide Financial - Wikipedia, the free encyclopedia

They are the largest mortgage provider in the states and underwrite circa 20% of all the mortgage business written in 2005 their gross profit was $10b but are still one of the major casualties of this banking crisis announcing 12000 jobs cuts.

This kind of contradicts its self because one the one hand they are primary dealers in a no risk lets help the rich get richer treasury bill market, and yet they have exposed them selves to massive loses which will mean jobs loses and closures.

So the question is why would a firm that can access this "secret" world of risk free high return finanace choose risk?

Reverse Mortgages or equity release as we call them in the UK are schemes for releasing the value tied up in a property usually for the elderly who are asset rich but cash poor.

Question…..what do you need to get a reverse mortgage?

Answer ….. A property!

How does it work, you have your property valued and a percentage normally up to 75% can be taken out in cash this depends on your age but you can pay the interest on this or again depending on age let the interest roll up and taken out of the house sale after death.

So if the property is worth £500k you will get a value of £375k

Ok….in the UK due to a shortage of housing we have house price inflation and over the last 10 years the price of a house has gone up 137%

You may say but hold on in 10 years time at current levels my property will be worth £1.1m I want 75% of that that’s £900k, but the bank will say no because future values aren’t guaranteed and the risk we are prepared to go to is 75% of todays property value this allows for a margin for deflation or unpaid interest

Ok apply the same principal to endowment insurance plans

When you buy the plan the guaranteed element or the sum assured is always lower then the premium that you pay, the RPP schemes quote a premium that is so low it couldn’t achieve the basic sum assured needed to yield the returns.

There are 3 ways to raise money from insurance plans

• Cash in and take a surrender value this is normally low

• Loans up to 75% of the value of the plan, that’s the guaranteed value and not the projected value you keep the plan running and at maturity get the full value less the loan amount

• Sell through the TEPs market normally at a level of 20% more than the surrender value however the surrender value needs to equal the premiums paid which normally takes 6-7 years and none of the Traders will quote on plans less than 7 years old.

So you get 75% of the value of your plan that’s less than the premium you pay for it…clearly very stupid, and just as future values cant be guaranteed like the value of a house it’s the value on the day you want to loan against your plan not the projected value that is used.

That’s the plain simple facts about insurance plan loans, values or trades.

Originally Posted by berty

I see many folk are still in hope as right now GPP are held up waiting for 15000 potential investors to get their details correct and this must be also be causing tremendous frustration to the selected insurance company as they are looking forward to issuing 100,000 $200,000 insurance policies and thats a lot of money and a lot of work

Now as I have explained in previous posts these plans have to guarantee a loan at 60% so will need to be investing in funds fixed or secure assets with capital adequacy rules to secure the $20b that this represents,

Why do you see this as a problem? Don't you think that the companys involved have all of this information and have dealt with it legally and a far as NDAs being involved so as to keep public forums from slashing the he-- out of facts dealng with those programs that have paid out projects in the past......this is a fact of many financial arrangements?

due to the nature of this these will need to be established funds so it narrows the choice of companies down quite a bit to well established asset rich companies.

That plus individuals and consorteums with billions + at their disposal and with a long term view on returns.

They will also need to break the law in order to issues $20b of funds off the accounting sheets......

There's no need for them to break any law. There are always legal ways to deal with this.

The amazing trick is that this isn’t going to cause a ripple in the market place to keep the confidentially clause going and its being offered to financially naïve folk rather then the traditional investors through a Lloyds of London trading group .....

Well gollygee, why would they do that?

all whilst hedge funds are collapsing through over exposure to debt backed paper and in most financial centres jobs will be lost this year as this is a major crisis in the banking sector because the central banks and notably the Bank of England will not support closing balance sheets through the overnight lending facility…….

There's more in the financial community besides the UK and the Bank of England.

yep...but the principals of insurance based policies are the same the world over along with TEPs

The post above my last one seems to have passed you by, not a mention of UK or bank of England....why not look at the facts in that and answer the questions raised if you understand them.....however you seem to have a real problem dealing with real facts and just quote clichés picked up from scam sites...

I’m wondering do you ever post anything of real value as your only contributions seem to be promoting scams and being sarcastic to those who don’t..

Originally Posted by berty

yep...but the principals of insurance based policies are the same the world over along with TEPs

The post above my last one seems to have passed you by, not a mention of UK or bank of England....why not look at the facts in that and answer the questions raised if you understand them.....however you seem to have a real problem dealing with real facts and just quote clichés picked up from scam sites...

I’m wondering do you ever post anything of real value as your only contributions seem to be promoting scams and being sarcastic to those who don’t..

"policies are the same the world over along with TEPs"

Who said that GPP was a conventional TEP?

FIRST....I do not promote scams.....I do play them and win most of the time.

SECOND.....Sarcasym seems to be all that works here.

Ok let agree on a few things

First....Endowment plans and TEPs as we know them cant be used for RPPs

Second.....The instruments used by RPPs by definition must be something different.

Originally Posted by berty

Ok let agree on a few things

First....Endowment plans and TEPs as we know them cant be used for RPPs

Obviously you are in a better position to assess this.

Second.....The instruments used by RPPs by definition must be something different.

The instruments used by legit RRPs is definitely different and from what I'm told by some very wealthy people, can vary from country to country.

*******

UAE Pension Investment

You can register now without paying.You will pay your 51 Euros
(ebullion ecurrency as advised later) when the links are completed,
and the website is fully functional.

Payout is 80,000 Euros.

Only 1 contract per member.

Referral bonus of 3,000 Euros paid on 6 downline levels.

Only members who will not have reached their 67th birthday till July
31st 2008 can participate.

What is the U.A.E. Pension Investment?

The U.A.E. Pension Investment is a merger of six mostly European
entrepreneurs who have their place of business in the U.A.E. (United
Arabic Emirates). They have placed as a holding structure in the
mostly known Emirate Dubai. The board of management is leaded by an
Arabic sheik.

What does the U.A.E. Pension Investment offer?

The U.A.E. Pension Investment offers every person who will not have
reached its 67th birthday till July 31st of 2008 the opportunity to
cede prematurely a pension insurance taken out by U.A.E. Pension
Investment and in return receiving a compensation payment. The program
is terminated as suspected till July 31st of 2008.

How does it work?

The U.A.E. Pension Investment takes out a private pension policy at
your name. So you will receive a normal insurance policy along with an
assignment declaration which you soon have to send back - signed and
subscribed when received, together with a certified copy of your
identity card - to the holding company in Dubai .

What does distinguish the U.A.E. Pension Investment?

The concluded insurance sum of U.A.E. Pension Investment is amounted
to a total of € 300.000,--. Through your premature assignment
declaration you will get a compensation payment of € 80.000,--.
Additionally you will get € 3.000,-- as a commission fee for each
sponsored member finally to your sixths downline level. The total
membership is limited to 50.000, so that in all a very fast expiry can
be occur.

Costs and duties for member?

To register as a member for U.A.E. Pension Investment the member has
to pay € 51,-- only once. This contains every administrative and
transactional costs. The only duty arising for the member is the
truthfully information of required personal information. Through
assignment declaration all rights and duties of the insurance policy
will be transfered to the holding company of U.A.E. Pension
Investment, so that no additional payments will be necessary.

Safety for member

While the insurance policy as well as the assignment declaration are
not known so far, its wording is not verified legally at this time.
Registering as a member a legally binding signature is not necessary
whereby no contract will be achieved. Ensuring that the insurance
policy and the assignment declaration will not cause financial damage
€ 1,-- of the membership fee will be lumped together. From this when
the total membership will be reached a lawyer who is specialized in
international insurance law will be instructed to prove these
documents for the purposes of members. All members then will be
notified of the reviews result via email. Therefore a maximum
financial damage is limited to € 51,- for each member. As the amount
for the lawyer´s fee will not spend the € 50.000,-- which will be in
the pod later the rest will be donated in aid of i.g. Stefanie Graf
foundation "children for tomorrow" and/or SOS Kinderdorf.

- Children for Tomorrow www.children-for-tomorrow.de
- SOS Kinderdorf SOS-Kinderdorf Deutschland - wir sind Familie! [Startseite]

Compensation payment
The compensation payment of € 80.000,-- will be paid after the
insurance policy will be ceded to the U.A.E. Pension Investments
holding company. There are two models how to get paid:

- payment at your existing bank account
- A bank account in Dubai will be opened where the money will be
transferred to. In addition you will get a credit card which offers
you to draw money from every ********* cash dispenser accepting credit
cards.
Important: All income out of the U.A.E. Pension Investment is taxable.

Sponsoring / commission fees

Everyone who will sponsor a new member will get a commission fee of €
3.000,-- for each new member. This commission fee will be paid till
the sixth downline level; even if the member sponsored by you will
sponsor a new member by itself you will get these commission fees as
far as the new sponsored member will be registered inside your six
downline levels.

As a bonus the 20 top sponsors will be awarded with a journey for two
weeks at the Emirates Palace in Dubai including € 10.000,-- pocket money.

There is no duty to sponsor. Rather it is a possibility or
opportunity. The compensation payment is independent of sponsoring so
that the member who does not sponsor also will get the compensation
payment.

How does the registration work?

First of all fill in the registration form completely and send it to
the indicated email-address. Subsequently transfer the single
membership subscription as described as „transfer of subscription".

What happens after the registration?

As soon as your membership payment will be received (this can take up
to one week) you will receive a confirmation email about your
registration. This contains a link to your membership-website. Please
have your login-data (existing of username and password which both you
have chosen by yourself) ready. With these data you can easily login
at the U.A.E. Pension Investments website and you will get an overview
of your sponsored members plus some more information.

What will happen when all 50.000 members will be registered?

Once the total membership will be reached all members will receive
their individual insurance policy including the assignment declaration
and together with an additional document. In this additional document
simply mark with a cross how you want to receive your compensation
payment plus commission fees. Sign the insurance policy and subscribe
the assignment declaration. You will get respective directions in the
member area in time. To cover your own safety make a copy of all
completed documents and send the original copy together with a
certified copy of your identity card or passport to the return address
(to Dubai).

How and when will the payment take place?

Once your documents will be arrived in Dubai 1-2 more weeks will pass.
During this time a bank account will be opened for you in Dubai
(provided you have chosen this model in the additional document) and
you will get a credit card to be used *********. If you should have
chosen the transfer at your existing bank account, a bank account in
Dubai will not be opened and you will not get a credit card. The
transfer then will follow during 1-2 weeks as well.

KEY FEATURES
number of members 50.000
number of insurances per member 1
asset of pension insurance € 300.000,--
compensation payment for assignment € 80.000,--
commission fee for sponsoring € 3.000,--
down line-levels for sponsoring 6
single investment for member € 51,--
of it administrative costs € 45,--
transaction costs € 5,--
safety (contract examination) € 1,--
final deadline till all members have to be reached July 31st 2008
date of payment about 8-12 weeks after reach of 50.000 members
Only members who will not have reached their 67th birthday till July
31st 2008 can participate.
------------------------------
pinetree