Human Capital Insurance 25 - Another “Reverse Pension” program. Of all the RPP programs, this one happens to show many red flags. Maybe our assumptions are wrong, but then again take a visit to their website and make up your own mind. The lack of command of the English grammar set aside, it takes balls for them to mention “We are one of the few distributors of bank debenture trading programs.” Experts in the headline scam medium of the ’90s, “bank debentures”, “prime banking” etc. Do a search on the SEC website for “Prime Banking” and you will see a list of red flags. Here’s one right from HCI’s faq section concerning SECRETCY which is a crock of bull. It is also disconcerting to hear from those who have joined that they do not even confirm receipt of funds sent or answer support emails.

“There’s no publicly available instrument even remotely comparable; why aren’t some of the largest institutions (pension funds and insurance companies) major investors? In addition, why have these instruments and programs never been the subject of articles in investment publications?

Most money managers, oriented only toward commonly-known investment are unaware and have not been exposed. Further, they do not realize the differences in (1) The type of investment vehicle. (2) How it is issued, (3) The frequency of the transactions. (4) The requirements for investing, (5) How to perform due diligence, and (6) The lack of knowledge by the general public. Because of this lack of knowledge, the returns sound “too good to be true” when compared to public-type investments. In addition, reported sources of these types of instruments deny their existence; however, some of these institutions are investors, according to managers contracted personally.

The main reason for this lack of knowledge is that all United States banks deny the existence of these programs or dismiss them as scams. There are only six domestic issuers; all are large money-center banks and their abilities are known only at the highest level within the banking community (meaning that most banks are completely unaware). These issuers cannot acknowledge the existence of such programs because (A) They are concerned that Publicity about raising capital might be deemed a public offering and the subject to regulation by the SEC and (B) Disintermediation (the switching by large depositors) from low-paying deposits to those with much larger profits.”

If this doesn’t bother you, then by all mean… continue on.

• Administrative fee for the current Pension/Lifeinsuranceplan as explained:  $45.  (For 3 positions, $ 135)
• Amount to be paid at the maturity of the fund: (This will be done at 27 000 Beneficiaries)  £42 500.
• Bonus for the above mentioned plan for each beneficiary introduced:  £1900.
• The first 1800 Beneficiaries that has introduced 12 new beneficiaries (or 4 with 3 positions) each, receives air plane tickets for 2 to New York with hotel for 3 days/2 nights. Seminar with initiator of the project and us is scheduled.
• The first trip is scheduled for Oct. -07 (This is of course if we have reached the necessary number of beneficiaries by then, if not, we will only postpone it for the time that it’s necessary).
• We will update everybody on who has qualified for the trip on the FrontPage (with their permission of course). The Fund will start Nov. 30^th -06.
• World leading knowledge within Financial Management and Asset growth.

We are one of the few distributors of bank debenture trading programs.

HCI25

The project we now have on our hands is initiated by one of our longterm clients based in the US. He is within the field of realestate on the the east coast. He has made some significant progress with his business over the past 20 years and needs to diversify some of the capital he now has obtained.  This is to be done through a combined pension / lifeinsurancefund which will have total assets of $7.2B  (7 200 000 000).

One of the reasons for this is to obtain maximum taxreliefs for our client.

We have been authorized by the banks and the insurance companies to obtain the number of beneficiaries necessary to go through with this project. The number has been set to 27 000. This is of course the main reason for us to come out in a forum like this, otherwise we wouldn’t have done that. That number would be very difficult to obtain using our normal working methods. This is also one of the few projects/plans that actually are legitimate to inform about using forums like this. Please be advised that the other projects / plans that we are offering cant be offered over the Internet. Those offers aren’t allowed to be transmitted over the Internet / Email or even by snail mail. That has to be presented in person and is done by our representatives in almost all European countries and also in South East Asia.

The administrative fee for this project will be paid to the banks and insurance companies that are involved.
The fee has been set to $42. There will be an extra 7% added which we will charge for the work that has been put into this and for the contacts that we are offering regarding this opportunity, so the total amount to be paid is $45. According to the contract of the fund each beneficiary will have the possibility to hold 3 positions in the fund, which then will total at $135, no more then 3 is allowed, this means that if everybody chooses 3 beneficiary positions the total number of people in the fund will only be 9000.

Please also be advised that we cannot accept any beneficiaries from Switzerland, Germany or Italy.

This will be carefully looked into by us. This is because of the domicile of the banks and insurance companies. Please also note that we do not hold the license to perform these actions. It is the banks and the insurance companies that have the necessary license to go through with this, we only serve as the agents for this opportunity. The Fund/Insurance will be activated on Nov. 30^th -06.

The registrationprocess has already started.

Each beneficiary will at the end (this will take place 6-8 weeks after we have reached 27 000 beneficiaries) receive a one time payment of £42 500 (About $78 000)

Please also note that the fee will be paid back to the beneficiary if the project isn’t fulfilled for any reason. We will however keep our administrative fee of 7%.

The payment of the fee will only be available to pay to E-Gold, this is mainly because of administrative reasons but also due to our bad experience regarding payment with credit card and the high level of fraud that is very difficult to prevent. The amount that will be paid out to all beneficiaries will be paid to the exact same E-Gold account from where we received the administration fee; no other account will be accepted.

We have looked into different solutions regarding bank accounts for this payment but it is almost impossible to manage that when it comes to the paperwork that has to be done and the DD that has to be done for all the beneficiaries, it would actually require up to 20 sheets of paper each for every beneficiary if it is to be done according to the regulations and laws. Once again this has to do with the financial control systems that exist today.

We have initiated a bonus system since we have to have the number of beneficiaries that we have stated. We can’t however use a so called Multi Level Marketing system which, from what we have understood is quit common. This would jeopardize our contract with the banks /institutes and the contract would probably be terminated in a very short period of time, that has happened before with other companies and we can’t risk that of course.

We have set up a bonus system in one level, which is what is allowed according to the banks / institutes, which will pay every beneficiary an amount of £1900 (About $3500) for every new beneficiary that is put into the project.

The first 1800 beneficiaries that have put in 12 new beneficiaries each (doesn’t have to be 12 new people, 4 people with 3 positions each is enough) in the project will also be granted 2 airplane tickets to New York with hotel stay for 3 days/2 nights; this is complementarily from our real estate client. This will be a stay to remember, believe me. A meeting /seminar with our client and with us are planned at his office on Manhattan and Fifth Avenue near Central Park.

The seminar will be held on 5 different occasions with 360 people attending at one occasion at a time.

Note that the Fund/Insurance hold the assets in $ (US DOLLARS), but the payment to the beneficiaries will be made in £ (BRITISH STERLING POUNDS)

The process of transferring the funds will start once we have reached 27 000 beneficiaries. But even though we will reach that number fairly quickly we will not be able to start the payments until July. 1^st -07 at the earliest. This is controlled by the contract with the financial institutes.

The amount mentioned above that is being paid out to the beneficiaries will be about 91% of all the tax savings that is being made due to the fund, so this is of course a win-win situation for all parts in the project.

We cant go into further details on how this works. This would be a violation of the contract that we are in.

But please do feel free to ask questions about it, we will answer all the questions that aren’t a violation to the contract we are in. But please also make sure that you read through the site before asking any questions. We travel a lot and won’t be able to respond to the questions on a regular basis.

Questions asked that you will find the answer to on the site will not be answered, we hope and believe that you will understand this.

You cant be over the age of 70 when the payment is due to be processed, that means if it takes1 year from today for us to obtain the necessary number of beneficiaries you have to be under the age of 69 today. Hopefully it will not take that long. Children of any age can participate.
WHEN WE HAVE REACHED 27 000 BENEFICIARIES FOR THE FUND THERE WILL BE SOME PAPERWORK THAT HAS TO BE DONE, THIS IS REGULATED THROUGH THE PATRIOT ACT AND IS NECESSARY TO PREVENT ANY MONEY LAUNDRY ACTIVITIES. PLEASE BE ADVISED THAT ANY OUTGOING PAYMENTS FROM PROJECTS LIKE THIS HAVE TO GO THROUGH THIS FIRST BEFORE THEY CAN BE PROCESSED. THIS IS ONE OF THE MOST IMPORTANT THINGS YOU HAVE TO LOOK OUT FOR WHEN IT COMES TO INVESTMENTS / PROJECTS / PLANS LIKE THIS.

CHANCES ARE GREAT THAT THE INVESTMENTS / PROJECTS / PLANS WILL BE CLOSED IF THE NECESSARY PAPERWORK ISN’T DONE. THIS IS THE NUMBER ONE REASON FOR FAILURE OF DIFFERENT PROJECTS.

REQUIRED DOCUMENTATION FOR STARTING THE PROCESS OF PAYMENT TO E-GOLD:

1. Letter of Intent (LOI) from the principal
(That explains that the client isn´t involved in activities like moneylaundry, drugs, etc)

2. Client Information Sheet (CIS)

3. Colored passport copy of the beneficiary (PP), your signature on the copy.

4. Letter of Authorization to Verify and Authenticate.

5. Memorandum of Understanding (Non Circumvention - Non Disclosure, Working and Fee Protection Agreement) with Human Capital Insurance 25 (HCI25)

All of the documents mentioned above will be sent to you with clear description on how to fill them out. They will be sent in PDF. This will not have to be done until we have reached the necessary number of beneficiaries.

You will all get emails regarding this when the time comes.

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