Thread: Hci 25 - www.hci25.com

Originally Posted by chicosan

The answer is simple........NO MORE DEBATE!

There is nothing to debate. The answer to either question is a simple yes or no. But in regard to your reply NO MORE DEBATE translated means they are liars, they don't exist, they never attended Johnson & Wales University, nor graduated with honors with a BS in Financial Management. Of course you cannot debate the truth, but thanks for admitting the answers to both questions were no.

Originally Posted by LynnRE

There is nothing to debate. The answer to either question is a simple yes or no. But in regard to your reply NO MORE DEBATE translated means they are liars,

It's obvious that if you don't get the answers you want, you invent them. What would you call a person who does that?

they don't exist, they never attended Johnson & Wales University, nor graduated with honors with a BS in Financial Management.

More guess work.

Of course you cannot debate the truth, but thanks for admitting the answers to both questions were no.

I refuse to debate with someone whose mind is closed and neither question deserves an answer. No more debate.

There is some news on their site...

Originally Posted by Carlamander

There is some news on their site...

And that news is?

Originally Posted by LynnRE

And that news is?

It boils down to .......YOU WERE WRONG!...LOLOLOLLOL

Well, let me make this real simple for you. Johnson & Wales has no record, none, zilch, nada, zero, nil of the two hyphenated financial guru's ever attending their university, let alone getting a BS Degree in Financial Management. Answer was not "invented," nor was it "made-up," nor was it "fabricated," in short they lied. Now I wonder what else they "Lied" about? I mean they are the supposedly "financial experts" but their credentials are false, a lie, made-up, fabricated. Just in case you missed it "THEY LIED."

Originally Posted by LynnRE

I mean they are the supposedly "financial experts" but their credentials are false, a lie, made-up, fabricated. Just in case you missed it "THEY LIED."

Just in case you missed it.....You have taken this to a point where NOBODY CARES!!

Thanks LynnRE for the valuable information!

I, for one, do care.

It is good to have people, like you, that lookout for those of
us that might otherwise lose our money to scammers
like these!

Keep up the good work!

Don't you find it strange that only one side of the TEP market has been posted here!!!!

"There are in fact two markets that exist with regard to endowment policy trading, the first type is the publicly Traded Endowment Policy (TEP) market which is regulated by securities regulators, which is the only market you will find any information about if you google the phrase “Traded Endowment Policies”.

In this regulated market, the hub of which is in the UK, you must hold a TEP for 7/8 years before the TEP has accrued sufficient value to make it possible for it to be sold on, for a profit, crucially however, as well as this regulated public market in TEPs, there is also private financial market known as the a “private placement” traded endowment policy market, this market is closed to the general public because it is not regulated by the SEC or equivalent regulators, but it is regulated by the insurance regulators."

Now let me see if I follow this logic. The administrator's who dreamed up this program, HCI25, posted on their website they were financial geniuses who graduated from Johnson & Wales University with a BS Degree in Financial Management. They did not just graduate but with honors. Because of this entry level degree, by the way the degree offered by the university is an entry level degree program, they in turn were able to become financial geniuses.

Since the degree never existed, this means they are not financial management experts as claimed. Now if they cannot, because they dont' have the degree that was to have taught them this trade, they somehow were able to license themselves, ooppps, they're not licensed either, but I"ll discuss this in greater detail below. So just how did they become "experts" since they claim their degree was what gave them this expertise?

Still following the bouncing ball? Well if not it gets even better. Now we are to believe that they only deal with private placement endowment programs which are not regulated by the SEC or equivalent, but is regulated by the insurance regulators. Really. So where is the documentation that shows these policies are so regulated? But here's where the whole things falls apart. Endowment policies are regulated by the SEC and similar regulatory agencies as endowments are an investment product, not just an insurance product. In order to "sell" these policies, an insurance company has to be licensed with the SEC and the policies have to be approved for sale by the SEC. If not, the insurance company is in violation of not only the securities regulations, but also the insurance regulations. Both agencies have to approve these policies or they cannot be sold. If not you are selling "unregistered policies" which are illegal.

Not only does the policies and the company have to be registered with the SEC, so does anyone selling them. Failure to have the proper securities license for these products puts the selling agent, and the insurance company, in violation of securities laws. Which simply means if caught, they can be charged for selling "unregistered securities" and not having a valid securities license. Now you can try to obfuscate this all you want, but these are the "FACTS." Doubt my word, then please contact your SEC regulator and see what they say. You can also contact the insurance commissioner in every state in the US, or the head of the insurance division for whatever country you reside in for proof.

Just an aside but on the website I see where they were also proclaiming they were one of the few distributors of bank/debenture trading programs, which do not exist. Wonder what their 25 years of "experience" really was in?