Browsing Category: "investing"
HCI25 website back online…
Well it’s taken an exceedingly long time but the HCI25 website is finally back online. With it there is a newsletter in the back office and in fact I’ve also received copies to my email address which didn’t happen for some time when the last site was up.
As explained in the newsletter the hosting company lost much of the member database which has resulted in an older backup from HCI25 themselves being used. What this means is that if you can’t login they you’ll need to register again and send an email that includes proof of payment and batch number of contracts purchased.
The admin also rebuffs any accusation that this is a scam and berates those who try to make these statements.
As it happens there are still 615 pension plan contracts available so it will take a little time to complete. Note that you can hold a maximum of 27 contracts per individual.
There is talk of some photos being provided soon of the first user meeting held in New York before Christmas and whilst that won’t necessarily prove anything in the long term it shows that HCI25 are sensitive to comments that are circulating.
Let’s see how the next few months turn out.
So what’s with all this Gold talk then…
There seem to be an awful lot of commentators with an opinion on just where the price of gold is heading. Recent increases have focused attention once again on this precious metal. Of course there are both bulls and bears putting forward what they think, only time will tell what the outcome will be.
Personally my Bullion Vault account is now looking very healthy and as a way of diversifying my investments this is currently a success. The question is will this upward climb continue or will the bottom drop out of this particular market?
Reading various reports I’d say the balance is in favour of a rise in the value especially over the long term. You can take your pick as to where the price will end up but I’ve seen figures ranging from $2,000 to $6,000 an ounce over the next 12 to 24 months.
I think it is clear that holding gold as part of your investment portfolio is a wise move and Bullion Vault is for me the most convenient and economical way to do it. You are able to fund your Bullion Vault account from your bank account so there is a quick and easy path for funding.
You can choose to hold your gold in London, Zurich or New York (or a combination) and you receive regular statements on your account. The security is first class and you are immediately notified if your account is accessed so that you know just what is going on.
Whether you decide to invest a portion of your funds in gold is a personal choice but overall I think that it is a wise move given the positive reports circulating at the moment.
PTV Partner proving its mettle…
Any online investing programme has to prove itself very quickly. As with any new offering there is an initial honeymoon period where investors tolerate a few ups and downs but that doesn’t last long.
If problems persist then the word spreads very quickly and problems escalate. Luckily PTV Partner has bucked the trend and is going from strength to strength. In my opinion much of this is down to the fact that the admin and his team provide a variety of communication channels for the membership. Not only that they also provide timely and relevant updates.
One example of this is the new PTV Partner website. It has not yet been installed even though previous notifications said that it would be here by now. Rather than let malcontent fester the admin has continually updated members on the situation and explained that more work is needed to close vunerabilities that have been found during testing. To me this shows that this programme is planning to be here for the long term.
In an effort to engage the membership PTV are currently running a weekly contest on the forum based on a random draw of birthday months. For those who are winners they receive $40 into their withdraw account. The great thing is that you don’t have to have invested any money at PTV but you must have created an account. Sadly, many entrants are choosing to ignore the rules in how to enter which to me seems rather lazy but it does mean that the chances of a win increase for those who comply.
The programme has also recognised that at this time of year many programmes falter as members make sizeable withdrawals to cover Christmas expenses. The admin has stated that this will not be a problem as the programme does not depend on new deposits to survive.
I’ve already had two investments mature and the associated withdrawals went without a hitch. I have no hesitation in recommending this programme as it displays a high level of commitment and integrity.
For those who may be new to PTV Partner there are four investments:
- Introductory 10 days for 110%
- Advantage 20 days for 125%
- Leverage 30 days for 145%
- Prestige 40 days for 190%
Each plan returns the principle at the end and is included in the percentage return shown above.
They accept Liberty Reserve, StrictPay, Global Digital Pay and Perfect Money.
Call me, don’t be afraid you can call me…
The title of this post are words from a song performed, by amongst others, Petula Clark in the 1960’s. So what connection do they have to online investing?
Well the answer is related to how personal we need to get when we try to share potential online investment opportunities with other people.
For the vast majority of people that read my blog I have no idea of who you are, where you come from, whether you are male, female, young or old. That’s not to say that I couldn’t find out some of this information as it is fairly easy to track where people are located and even an IP address but with regard to you as an individual that isn’t possible directly, and rightly so.
For a small number of readers I know a little more about you as you’ve signed up to my private newsletter so I know your first name and email address. I’ve had to make sure that you gave me permission to hold this information but now I can at least refer to you by your first name when I contact you with what I hope you consider to be useful, relevant and potentially profitable information.
But what would happen if I tried to speak to you on the phone? This question has been buzzing around my mind over the last few days. One program that I belong to recommends that if you receive no response from email communications you should phone the prospect and speak to them directly. I’m struggling because I doubt whether an unsolicited call would be either popular or welcome, especially if it is not 100% clear to the person you call that they willingly provided their phone number when filling out an online form.
Many people provide their details to all sorts of business opportunity websites and end up being extremely wary when called.
Personally, I’m highly suspicious of any call where the caller is unfamiliar to me. But, perhaps that’s just because of my reserved English character. Are people generally happy to receive calls from strangers and be happy to be pitched too?
I’ve got no problem in calling someone who willingly provides me with their number on the basis that they do it in the full knowledge of what I’d want to discuss when I called. So for me the title of this post is not something that I’m entirely comfortable with. Perhaps you have other views, why not leave a comment and add to the debate.
Are higher returns really that much riskier…
It’s been about twelve months since the world’s banking system went into meltdown. You’d think that the banks who were helped out would be still licking their wounds and trying to stay under the radar to avoid bad publicity.
But that doesn’t seem to be the reality. As it happens for some banks and financial institutions the last twelve months have been very profitable and headlines are again pointing the finger at huge bonuses for bank employees whilst the man in the street still struggles.
Is it any surprise then that when I see a television advert here in the UK proudly proclaiming that if I would hand over a mere £10,000 the bank would deign to give me 4.2% per annum return on my investment that I say some rather choice words under my breath?
Do they really think that we are that stupid to believe that such a paltry return is all that we deserve? Personally I feel totally dumbfounded, so it’s no surprise I spent many of the last few years searching for returns that are more acceptable.
The question now of course is what return should we consider acceptable. Rather than go into a whole lot of debate about this let me pin my colours to the mast and say that a return of 5% a week is not unreasonable.
In fact it may be more than this but I don’t believe much more than this is sustainable for the long run. How do I know this is possible? Well, the answer is very easy as there are several programmes that have been paying these sorts of returns for many years and they have the ability to continue at this level for the forseeable future.
Rather than provide names here I’ll ask you to do a little something for me before you find out. Just sign up for my private newsletter and I will provide you with details of programmes that provide such returns.
I’ll admit these programmes aren’t quite as convenient as your local bank but the little extra time needed in getting an account is paid back many times over by the increased returns.
Am I a Genius…only time will tell!
Following some transactions in my AlertPay account I discovered that I had some surplus funds which weren’t working on my behalf.
I decided to do some research and see whether I could find a home for these funds that had the potential to provide a good return over the long run. At the moment I’m more interested in building up a reserve that will be available to me in about two years. I didn’t need these funds for any immediate needs so am happy to invest elsewhere.
If you are a regular reader you will know that I’m invested in several Reverse Pension Plans and don’t feel that I need any more at the moment so I was more interested in a managed fund that could provide a reasonable return and would be around for the long term.
Also, of course, it had to accept AlertPay and in essence that was the toughest obstacle to overcome as there aren’t many about that do. Personally I like using AlertPay as I can transfer funds directly to and from my bank but it seems that they haven’t got the greatest working relationship with many program admins, but that’s another story.
Anyway, having done my research I decided to invest with Genius Funds and look forward to a long and profitable relationship.
Opening an account is very straightforward and it’s clear from the start that security is high on the list of considerations for members. As is becoming the norm you will need to activate your account via email and when you do this you will receive your account number which you will need to login with.
Apart from AlertPay you can also use Liberty Reserve, Perfect Money, SolidTrustPay and bank wire to deposit funds. The next thing to decide is which fund to invest in. There are 3 plans offering different investment terms. The first is a daily plan that returns between 1% and 1.9% per day depending on the sum you invest. Secondly there is the weekly plan where returns vary between 6% and 9%, again depending on the level of your investment.
You should note that the minimum deposit amounts vary depending on your chosen payment processor so please check that before going ahead.
The final option is somewhat different as they promote the HYDA plan as akin to a normal bank account. So, for a minimum investment of $300 you will receive a monthly return of 14%. If you invest between $5000 and $50000 you can receive 25% a month.
I don’t have space in a post like this to show all of the options available to you on Genius Funds but what I’ve shown should give you food for thought.
In terms of support you are able to contact them over live chat which is available 24 hours a day. If you look at the brochure which is available on the Genius Funds site you will see that they are based in Cyprus and provide an address and telephone number.
The brochure also explains how they achieve their investment returns and whilst I’m not an expert they do appear to have a workable strategy here. When doing my research it was clear that Genius Funds have a lot of loyal, satisfied clients so that also gives me confidence to invest with them.
Why can’t I trade market systems profitably…
I consider myself a relatively intelligent person and I know that to trade any sort of market you need a system. I don’t have the experience to create my own system so for me the solution is to use one created by somebody else.
There are a whole raft of systems available to you as long as you are willing to make an investment up front for the material and then to put in some time applying what you learn. With any new system it is always advisable to paper trade or use a dummy account so that you understand things before actively committing your own funds.
All sounds terribly sensible and not that difficult to do. And this impression is reinforced by the many testimonials you see from complete newbies who with little trouble are raking in the cash. And yet for me it just doesn’t seem to work that well.
As soon as I get the course/manual/dvd’s I commit time to devouring the content in a bid to get myself up to speed as quickly as possible. In most cases the information you need is well explained and the steps to take make sense so it should follow that applying all of this new found knowledge should be a piece of cake. And yet somehow it never quite works out for me.
Did I suddenly hit one of the notorious bad patches that each system will inevitably suffer from? At least the majority of authors own up to the potential for losing runs so perhaps I’ve just hit one. But then again I still see updates that show others making money so that can’t be the answer.
Perhaps I’m being too ambitious or too cautious and ‘adapting’ the rules without admitting it to myself. This is another reason I could be failing.
Am I not focused enough and letting trades get away before I can react, there are other things that I need to do so perhaps I’m not concentrating enough? The whole idea of my using a system is so that I don’t have to watch the markets from dawn to dusk so I shouldn’t have too worry too much about getting distracted (or should I?).
As I’m sure you can tell from the ramblings above I’m not happy that my personal use of systems works that well. If anyone has any usable suggestions as to what I might be doing wrong I’d be more than happy to hear them.
3 steps to online investing success…part 1
This is the first in a series of 3 posts where I’ll be exploring just what it takes to be involved in the world of online investing. Firstly we’ll look at some simple investor psychology, in the second post we’ll discover what you need to do to be able to make investments and in the final post we’ll delve into the sort of investments you might consider when starting out.
There are literally millions of people who are looking for the opportunity to increase their income and improve their lifestyle. They are looking for a way to earn an income for themselves that will free them from working for someone else. There is absolutely nothing wrong with this ambition but unless you understand what it takes then this goal will be hard to achieve.
Ideally investors want a higher rate of return than is possible with main stream savings accounts. As long as you understand that higher returns generally come with higher risk then you will be in a good starting place.
It’s been said many times but is still one of the golden rules, only invest what you can afford to lose. Do not deprive your family of food, shelter or clothes on the basis of some future unproven wealth. Be realistic about what can be achieved and responsible enough to pay the bills first. There are many examples of people who have taken out huge loans in the belief that an online program would be there forever and provide more than enough for all. They have not only been disappointed but also plunged even deeper into financial debt. If you can’t really afford it then don’t do it.
One great virtue to have when investing is patience. No matter what you are told there will be occasions where things go wrong or slow down. When this happens don’t panic, give the admin time to resolve the issue. By allowing time to pass the options will become clearer and mass hysteria can be avoided. Some very reliable programs have ceased because investors weren’t patient enough to allow problems to be sorted out, they made disparaging comments which led to unrest and ultimately the demise of the program. Patience is essential.
Don’t believe all you read without checking yourself. Jealousy is a pitiful trait but is often evident in the world of online investing. Some people rejoice in telling lies and spreading falsehoods about others. If you get sucked in by people like this you will find it difficult to differentiate between fact and fiction. Find people you can trust and ask them their opinion before getting involved. There are many seasoned investors who would be happy to help those who are just starting out. Take time to seek these people out, test what they say and if you are happy use them as a sounding board for any investment you want to make.
In the next post we’ll look at some of the steps you need to take to be able to invest in online opportunities.
Iron Condors advisory service…
As someone who is interested in advisory trading services I was pleased to come across Condor Options a few days ago. This is a site where you can learn about trading what are known as an Iron Condor. Now I’m certainly no expert in this type of thing so I’ll take a direct quote from the site “An iron condor is a type of options spread trade that involves simultaneously buying and selling multiple contracts in order to capture a particular segment of future market movement.”
So that’s alright then! Actually as Condor Options is an advisory service you don’t have to worry too much about how it all works as you will be trading according to their advice. When I checked the site information there was definitely a sense of working with the client to make sure that they are comfortable with how things work, what an Iron Condor is and the type of risk that you as a client would be willing to bear.
The aim is to make a return of 10% per month, the great thing being that you need only a small amount of time to achieve this, no watching trading screens or anything like that. In fact Condor Options also offer a free auto trading service so you can have virtually no involvement at all.
As with most advisory services there is a cost attached and like others you can save money by subscribing for longer periods. So, a 1 month subscription would set you back $139, 6 months $749 and a full year $1339. They also offer a satisfaction guarantee where if you subscribe for 1 month and are not fully satisfied within that time they will refund your $139.
One thing to be aware of is that you will need a reasonable bank to start with as you have to take account of dealing fees etc. However, if you are looking for a passive income with potential for good returns then Condor Options is certainly worth a look. They are restricting the number of new memberships to 50 at the moment so you should take a look sooner rather than later.
Referral Post 008…There’s gold in them thar hills
Markets are tumbling across the world as problems unwind in the USA caused by the sub-prime mortgage market. Both the US Fed and the European Central Banks have waded in to prop up the markets by providing liquidity in the form of US$38 billion and ‘unlimited’ funding in Europe.
A recent article at BullionVault made some very telling points about the current situation and I quote:
“The fact that it (FED) went out of its way to accept mortgage-backed bonds as collateral shows you what the real intention of the Fed’s actions was: to avert more panic selling and liquidation of mortgage-backed securities, especially by traumatized hedge funds. Even though the Fed bought the market a reprieve, it didn’t solve the fundamental problem facing the $2 trillion subprime mortgage market.
No one really knows what all these mortgage bonds – and mortgage derivatives – are worth, because there aren’t any buyers (although that might give us a hint of what the market really thinks the bonds are worth). It is one thing for the Fed to accept them as collateral for short-term loans. It is quite another thing for real buyers to emerge in the market”.
You can read the full article here.
The Yen carry trade is also weighing heavily on traders as they liquidate their positions so that they can pay back their debt on the strengthening Yen.
So, it’s no real surprise that the price of gold (and in fact all precious metals) is seeing a decline during these turbulent times. Should we be worried about this as we’ve always been told that gold is a ’safe haven’ when markets fall as investors seek the relative stability of the precious metal. Personally I believe that the heavy liabilities being met at the current time are depressing prices and once things settle down then gold should again rise.
This is then probably a good time to look at buying gold as the price lowers. The whole process is very straightforward at BullionVault and the high security levels of the site provide added comfort that transactions are safe. As the banks continue to literally print money to prop up the markets the case for holding a limited commodity can only grow and dealing at BullionVault is a simple way to do that.
