“Federal agents seized more than $1.1 million from a self-proclaimed pastor in Norfolk who is under investigation in an international investment fraud scheme, according to court filings unsealed this week.” The Virginia Pilot

We have not mentioned GPIT by name before, because there are way too many of these reverse pensions sprouting up all over the place. While we did not write about them, we were aware that there was a connection to Global Pension Plan. According to Benjamin Seigler, the man behind GPIT, this was where the investors’ money was supposedly going to.

Global Pension Plan has denied having any connections to Benjamin Seigler and GPIT; however, it must be noted that GPP has not paid out to any of its members either. Be as it may, the domino effect has started with the fall of GPIT. Connections or no connections, GPP is mentioned by name and be assured that GPP and all other reverse pensions are on the radars of various government organizations.

There are several possible scenarios that will come out of this and none bodes well for the investors. A chain of events has now started. For fear of prosecution, the outright scams will start to close one by one citing government intervention and disappear with investors’ money.

Some will remain steadfast and continue collecting funds claiming jurisdictional protection. While this may be true, it does not mean they are not operating a scheme to defraud the international public.

There is only one way for the government agencies to back down from investigating all the reverse pension programs out there. One must pay out soon. It is a miracle that members of these programs are hoping for, but unfortunately, time now is definitely not on their side.

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Here is the list of the new programs you should be wary of steering clear of unless you want to ignore all the red flags waving and sirens wailing.

www.worldpensionclub.net
www.worldpensionplus.com
www.globalconnect-network.com
www.dynamicwealthplan.com

WorldPensionClub.com

First, we will analyze WorldPensionClub, (WPC) program. If copying is a sign of flattery, then credit should be given here as the verbiage down to the FAQs is copied exactly from the Global Pension Plan site. They are at least smart enough to change the program names.

WPC differentiates itself by offering three unique bonuses to entice members. The first is a free signup for the first 250 members, then the first 1000 members get a bonus 10,000 Euros and finally, the member with the most referrals get a whopping bonus of 1 Million Euros.

The most obvious red flag one should notice about WorldPensionClub is the fact they are using a HYIP script to run their site. Shell out a $100 and you can buy “Script4Profit” to run your own scam. Do you think a business that is about to make Billions of dollars at least could have a more professional looking website and paying for better software that gives a little more trust?

Pinging WorldPensionClub returns an IP of 216.75.56.130 and doing a quick reverse Whois lookup, shows us that this domain is located here in the U.S. I don’t know about you, but programs like these that are located in the U.S. are highly illegal if they are not registered with the SEC if the program is actually legit.

OrgName: California Regional Intranet, Inc.
OrgID: CALI
Address: 8929A COMPLEX DRIVE
City: SAN DIEGO
StateProv: CA
PostalCode: 92123
Country: US
ReferralServer: rwhois://rwhois.cari.net:4321
NetRange: 216.75.0.0 – 216.75.63.255
CIDR: 216.75.0.0/18
NetName: CARI-4
NetHandle: NET-216-75-0-0-1

WorldPensionPlus

Well, we haven’t heard of Yardas either, but if anyone is so inclined to do a little investigation; it shouldn’t be hard since this so called company is being hosted in Australia. We do have to say, they did a wonderful job of explaining how the “Expedited Benefit Plan” works by jargon convolution. It makes you think, “It’s really complex, so therefore it must be true”.

OrgName: Asia Pacific Network Information Centre
OrgID: APNIC
Address: PO Box 2131
City: Milton
StateProv: QLD
PostalCode: 4064
Country: AU
ReferralServer: whois://whois.apnic.net
NetRange: 202.0.0.0 – 203.255.255.255
CIDR: 202.0.0.0/7
NetName: APNIC-CIDR-BLK
NetHandle: NET-202-0-0-0-

They are a “private business” with a team of financial “annalists” that are going out “on a limb” to bring you this opportunity. If they are a little bit more “anal”, they could at least get the spellings correctly, so it can bring them more business from corporations and organizations that works under the shadows using their financial expertise.

Globalconnect-network.com

“Reverse pension plans are innovative and highly profitable projects initiated and run by venture capitalists – in pre-arranged cooperation with their insurance company and their mortgage company.”

Now, where have we heard that phrase before? Yes, they make no qualms of mentioning the other two RPPs, (Global Pension Plan and Pension World Wide) as justification for the legitimacy of their own program. Don’t think that reverse pensions programs are real? They tell you to Google it and you will find that they are. Well, Google “reverse pension scams” and you will find plenty of information on the contrary.

“We are a group of experienced businessmen and market analysts based offshore in Republic of Seychelles.”

We beg to differ. Pinging globalconnect-network.com returns, 205.234.212.246. A quick reverse Whois shows that this IP range belongs to the hosting provider Host4web.com which is located in Chicago, IL. Can you trust these people? The lack of a Disclaimer and Risk Statement is of a concern as well. At least you can sue them, but then again you don’t have a physical address. Shouldn’t be hard to find since you know who hosts their site now.

Server Central Network SCN-4 (NET-205-234-128-0-1)
205.234.128.0 – 205.234.255.255
HostForWeb Inc. SCNET-HFW-205-234-212-0 (NET-205-234-212-0-1)
205.234.212.0 – 205.234.213.255
# ARIN WHOIS database, last updated 2007-10-22 19:10
# Enter ? for additional hints on searching ARIN’s WHOIS database.

DynamicWealthPlan.com

Not much to say here, except it’s an exact clone of verbiage from Global Pension Plan. Only the names and numbers have been changed to convince you that they are unique. If it’s any consolation, their IP (64.23.12.58) belongs in a range belonging to a company here in the U.S.

OrgName: SKWB-BRAINRESCUE
OrgID: SKWBBR
Address: c/o SkyNetWEB 3500 Boston St. Ste. 231
City: Baltimore
StateProv: MD
PostalCode: 21224
Country: US
NetRange: 64.23.12.48 – 64.23.12.63
CIDR: 64.23.12.48/28

One new question that has risen since our original post on this matter, “Reverse Pension Plans – Myth or Reality?”. The amount of money that is involved in such a program if it exists, and the “banks” that are supposedly providing the funds does not seem plausible.

In a program that has 100,000 members; a bank will have to loan out around $16-17 Billion dollars for what really are pieces of paper for the so called policies. This sum of money is impossible for small banks to come up with, which means only the top banks in the world can do so. There in lies a problem.

According to The Banker, here is the list of the Top 10 Banks in the world based on Tier 1 Capital. All other banks would not have the funds for an investment like this. Even Top 5 banks would have trouble, as $17 Billion is a substantial amount to contend with. Why would this be a problem? The Top Banks are PUBLIC companies and public companies have to report to there shareholders.

If these Reverse Pension Plans are real, wouldn’t you think you can find it mentioned in the financial and SEC filings by these banks as a core asset holdings?

In conclusion, we will say once again, buyers beware. If it’s too good to be true, it probably is, so weigh your options and make sure you understand the risks and if it’s ok to line the pockets of some unscrupulous characters, then by all means, “invest” your spare change.

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I would be very surprised and shocked to see if any one of these RPPs is legit and pays out like they say. I believe that we are now reaching a point of saturation with these programs. Scammers, if not already present, will start to copycat the original websites to swindle honest folks out of their money. Professional scammers are frothing at the mouth with this concept. You have the perfect setup – an anonymous website with a lofty idea that plays on the dreams, hopes and greed of average people, a non regulated currency payment system and a deadline. The scammers do not have to do anything until the last dollar of the last member is sent in. Then they can run.

Of course some participants in these programs will counter with the fact that several of these programs have come to completion and they haven’t run yet. The sites are still there. One can only ask, have they paid out yet? On a more pessimistic point of view, it will take the scammers a while to move several million dollars worth of e-gold and e-bullion around as to not attract attention. Secondly, the e-currencies will have to be exchanged into hard cold cash and transferred to some hidden offshore account.

Pure conjecture, but very likely how it will happen if they all turn out to be pie in the sky scams. After all, they do have their escape clauses. What? You haven’t read them?

Well, you can read the FAQs, disclaimers and risks disclosure on the sites of any of these programs. Earlypension.com does not have a disclaimer nor a risk statement, so that’s a redflag on them being an amateur, however, this is what they say on their FAQs.

Will I lose money in this program?
Nothing is perfect, however if in the event of a massive internet crash or problem with world financial markets, you’ll only lose $50 max as investment for a membership fee. That’s all.
Is this legal?
Yes, Early Pension Plan is 100% legal. In return for your investment, you are given access to the service we provide and also a selection of useful software and e-books in our membership section. Any program that provides a product of any kind is legal.

Ok, so you only lose a lousy $50 bucks (they collect $5,000,000) and because they give you some worthless e-books it makes them legitimate. LOL.

UAE-pension-retirement.com, on the otherhand, has the perfect escape clause as seen on the other sites. Here it is:

Risk Disclosure

U.A.E. Pension Fund offers no guarantee of any kind.

Risk is an integral part of any financial transaction (like commodity, currency, futures, option trading and business deals generally).

Many factors can influence the level of return including intervention by various levels of government or the unpredictable nature of business and Fund.

U.A.E. Pension Fund will make every effort to reduce the probability of loss but payment of compensation and Loyalty Program Rewards are on a best efforts basis.

In spite of risks you should always also remember:
Nothing ventured, nothing gained.

So basically, they can stop taking money tomorrow and run. You will have no claim since they guarantee nothing. I love the way they compare the risks as being part of any financial transaction like commodities, currencies, futures and options trading. I swore at the beginning of the site, they said they were not a securities issue.

Don’t forget the final pitch… “Nothing ventured, nothing gained.”

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Here is the spiel from Imperia’s website:

UNITED POWER LEADS TO SUCCESS

Our kernel team which consists of four entrepreneurs merged together in 1990 to built up a hedge fund in Germany initially.

Because of endless rules and regulations from govermental agencies – on first hand to name Bafin( german SEC) – we had not succeeded in founding the hedge fund.

After two years preparing time and another fix costs of 5 figures amount we had foreseen to give up this business idea.

Especially young entrepreneurs being fresh and most creative do not have a scenery which is quite open to risk funds. All-mighty security comissions (BaFin) protect the sector of financial instruments that strictly that others but banks in Germany cannot get a step on competiton stage.

In 1995, we decided to leave this hostile environment heading to London. There, we learned to get association with bank secured financial instruments such as trading with TEP (= Traded Endownment Policies) policies particularly.

After we had been cultivating our London contacts for 8 years intensely, we got to the conclusion to get rid of the radar off those governmental agencies like European Union, which are always strengthening and threatening and to escape to the offshore island Bahamas.

Our global knowledge from european and american regions have empowered us to run this project and established it on the market successfully.

We have been able to recruit a team of investment specialists within IMPERIA Invest IBC in areas like economy and administration.

MARKET OVERVIEW

With starting in the middle of the 19th century seasoned Endowment policies have been traded in Great Britain.

Explanations about those TEP´s (= Traded Endowment Policies) on that most exciting market, you can read easily on Internet. You can also find dissertations on a wide range. It´s not our deal to explain it here in details.

The volume on regulated market nowadays is well over 800 million Euros and steadily increasing. The second owner/buyer can calculate on guaranteed profits year by year. Demonstrating a inherent first class financial derivative to investor.

CHANCES ON PRIMARY MARKET

How is it possible now to share profits on primary market ? This is exactly what we want to achieve, because there are very lucrative profits. Basically one need a loan from a powerful banking institution to achieve the leverage effect. You must imagine that you can have 80,000 US Dollar in cash to your disposal – being leveraged so to speak

NOT FOR FREE – BUT COUPLED TO YOUR POLICY EVENTUALLY

With allocation of a one-time service and maintain fee of US$ 50 your application will be accepted and initiated.
We spend additional US$50 to get your application being worked on in the cooperating bank and to get executed by us your platform manager and Endowment Broker. To this time all parts work in a high complex synergy.

Many years of experience on the field of TEP, financial derivatives all kind of and bank securities with the necessary cash flow to proceed fluently, set us into postion to offer this project on the mass-market now.

A project this size needs large-scale authorisations from european and american supervisor bodies like SEC, because the total payouts to 10,000 TEP members will be in the billions.

This is not possible with online e-payment solutions. All profits from the loan investment will be available after maturing time of 6 months. Our designated offshore banks will provide this discreet service.

Surely, you know that such projects with the most stern profile of NON-Disclosure Agreements must run outside the public market. Though the supervisor bodies are informed and installed for watching, one wants to set antipoles facing the ever weakening of US Dollar currency.

Patronizing reasonable retaliatory within a suitable economical context, which have the potential to terminate the decrease of US Dollar. Also because of that our project has been qualified and sealed at all. It is restricted and forbidden to give any more informations. But we think, you might imagine the whole picture now much better.

FOREX

The Foreign Exchange market, also referred to as the “Forex” or “FX” market, is the largest financial market in the world, with a daily average turnover of US$1.9 trillion — 30 times larger than the combined volume of all U.S. equity markets.

“Foreign Exchange” is the simultaneous buying of one currency and selling of another. Currencies are traded in pairs, for example Euro/US Dollar (EUR/USD) or US Dollar/Japanese Yen (USD/JPY).

There are two reasons to buy and sell currencies. About 5% of daily turnover is from companies and governments that buy or sell products and services in a foreign country or must convert profits made in foreign currencies into their domestic currency. The other 95% is trading for profit, or speculation.

For speculators, the best trading opportunities are with the most commonly traded (and therefore most liquid) currencies, called “the Majors.” Today, more than 85% of all daily transactions involve trading of the Majors, which include the US Dollar, Japanese Yen, Euro, British Pound, Swiss Franc, Canadian Dollar and Australian Dollar.

A true 24-hour market, Forex trading begins each day in Sydney, and moves around the globe as the business day begins in each financial center, first to Tokyo, London, and New York. Unlike any other financial market, investors can respond to currency fluctuations caused by economic, social and political events at the time they occur – day or night.

The FX market is considered an Over The Counter (OTC) or ‘interbank’ market, due to the fact that transactions are conducted between two counterparts over the telephone or via an electronic network. Trading is not centralized on an exchange, as with the stock and futures markets.

IMPERIA Invest IBC – STRATEGY

In conclusion it is to say that a TEP investor can receive a loan of 80,000 US$ with a one-time investment of US$ 50. Plain And simple. This loan should be used for trading on the financial markets emphatically. We have created a proper platform for that issue to give you daily profits of 1.2%, which are guaranteed by money market arbitrage situations.

You have to do only our TEP policy paperwork online once and fill in a online form to qualify and have your claims on the profits.

Restrictions for people who are younger than 18 and older than 59 years are on, but those people can built a downline and receive comission fees on this. They do not have to fill a TEP policy though.

After approval of your TEP policy, which is as online form, your loan of 80,000 US$ in your account on the portal will be working immediately – without any doubts – as soon as your policy online form is being filled in and delivered back to us in good order by E-mail. After this step your profits run smoothly with 1.2% daily on your trading account. These yields will be compounded for 6 months.

After accomplishing this, you will receive a paper TEP Policy to sign and deliver it back to us by postal service. Along with a trustee contractual paperwork, you als have to sign as a guarantee to receive your profits.

SIMPLIFIED CALCULATION

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Below are excerpts from their site:

Worldwide Pension Plan Opportunity

Receive a $70,000 pension pay out,
in one lump sum, BEFORE you retire!

S Y S T E M

Our vision is very simple. We are in this game of life to win.

The program we are offering you the opportunity to join us in, the Reverse Pension Plan, has been a closely guarded secret for many years among the rich and powerful. We have tried – and failed – to join in this elite group of people lucky enough to be on the invitation list to such programs for almost ten years.

Having been unsuccessful in joining their club, we eventually accumulated enough knowledge and contacts to set up our own.

Organising our own R.P.P, however, threw up further complications. Money. Using existing R.P.P business models we would be required to invest between $50,000 and $100,000 as our enrolment, and require a group of at least a further 1,000 members to do likewise. Now, maybe we move in different circles but I do not know another 1,000 people with that sort of money to invest, do you?

After much negotiation, calcuation and general badgering, we eventually agreed on a priciple of our financial people making a bigger profit upon completion of the program rather than taking a large up front fee for pulling all of the necessary strings to enable this program to operate successfully. Instead a smaller enrolment fee would be accepted, enough to cover all running and administration costs until the completion date but low enough for anyone to afford. But the number of people we would need to enrol to allow our financiers to realise their required profits would be 100,000.

That is the purpose of this website, and the reason you have been invited to have a look and see if this program is for you.

We need you to join us in order for this program to work, and for joining us and enrolling into our R.P.P we will offer you the opportunity to receive a payment of $70,000 plus referral bonuses of $2,000 for each new member you personally introduce.

In addition to this we have also introduced instant referal bonuses of between $1 and $5 in a forced 5 x 5 matrix. See below for details.

You will earn $ bonus  for all of your direct and indirect referrals. This means that you do not only gain money for every person you refer, but you also get paid for the referrals referred by your referrals and then for their referrals and so on, 5 levels deep.
The table below is an example which demonstrates how your earnings could accumulate.

Please note: This example is for illustration purposes only and does not represent any guarantee of income.

The Instant referal bonus scheme offered by Worldwide Pension Plan is a forced 5 X 5 matrix, so if your upline has more than 5 referrals, you will get free referrals (spillover) passed down to you. In addition to this, any new member who joins the Worldwide Pension Plan without a sponsor will automatically be placed below a random existing member and all referal payment will still be made!

Total Possible Instant Bonus Payments – $18,555

And then add to this your projected pension plan payout - $70,000

And you see that by joining our program and introducing just 5 other
people you could earn a possible income of $98,555

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“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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Get your pension insurance paid right away!
75,000 US$
Immediate pay out after closing of program!
		Please read carefully and imagine this simple and unique concept for your immediate pension insurance payment.
		Please act fast, because this unique program is only available for a limited number of members.

The Basics

Before explaining our program, let us clarify some basics. As well, we wish to make it clear from the very beginning that not every specific condition related to our program for every country can be explained here

In principle, there are three avenues from which to choose in order to be paid from a pension insurance:

1. You pay a monthly premium for your insurance. According to the expiry of the policy, you will be paid either in monthly installments or by a one-time payment. This monthly payment depends on the age of the purchaser (or the year in which the policy was purchased), and also depends on the kind of insurance it is. Every insurance company follows forms.
2. You pay a monthly contribution (premium) to your pension insurance. After a number of years, a need arises causing you to want to make a bank loan using your insurance policy as collateral. You ask your banker for this loan and the bank then takes your insurance policy as collateral and you are given the loan according to the accumulated value of your policy. For example, your policy has a face value of 300,000.00 USD. Over the years you have been paying into your policy, it has accrued a value of 10,000.00 USD. You still must continue to pay the monthly premiums and now you must pay the bank interest and principle on your loan as well.
3. You make a one-time payment of a certain percent, e.g. 30%, of the face value of your insurance policy. Then you have to wait until the end of your policy period in order to get the benefit, either a substantial monthly payment or a substantial one-time payment. This kind of policy must be started early in your life as the more the time spread between the initial purchase and the disbursement, the more value will be accrued; likewise, the less the time spread, the less the value will be accrued.

How does the program work?

We are using elements of step 2. and step 3. to develop this unique program. In order to avoid the disadvantages of 3., the one time payment of the premium requiring a lengthy waiting period before payout, and 2., having to pay interest for the mortgaging of the policy, we have put together a more advantageous plan using assistance from our direct contacts in the financial world. We have been able to make appropriate arrangements through two of the top ten banking and insurance companies. As far as we can determine, all possible problems have been resolved. Additionally, we have been able to include marketing tools.
The entire financing will be controlled by our organization and partners. You, as a member, pay a one-time fee of 50.00 USD. This enables the member to receive a payment of 75,000.00 USD as soon as the contract exceeds 150,000 memberships purchased. The execution will start from that point.
Please note the following:
1. You will be asked for identification documents (passport or ID-card, birth document).
2. You will also have to sign a declaration of assignment for the insurance policy.
3. You will also have to let us know where you want your 75,000.00 USD paid. We will pay this to whichever bank you indicate.
4. Notarized copies of the above mentioned documents have to be sent to the address we will provide you with at that time.
5.The payment to you should take place after a period of 10 – 14 days from this completion. The commission payments will be paid at the same time(see more details below).
6. In order to be qualified for the payment of 75,000.00 USD, you must comply with one condition: you must be 66 years of age or younger. Persons older than 66 years can qualify for payments from our commission program of up to 3,000.00 USD per acquired membership in their downline. Please read the details further down.

Calculation

Bonus payment for level 1 and level 2

In order to get some immediate refund to networking people, the program pays a bonus about 3.00 US$ for every signup in the first level and a bonus about 7.00 US$ for every signup in the second level. These bonuses are being paid on the 15. and the 30. of each month.

Commission program

For every member either acquired by yourself or acquired inside your downline we will pay a commission of 3,000 US$ per member. The downline includes 7 levels and there are no limits.
With regard to local laws we point out that there is no requirement to advertise at all.
You will get your 75.000 US$ in any case as soon as the required membership is reached.
In case you decide to earn additional income you will get our full support. This includes marketing tools with a value of 1,000 US$ inside your member site.
After registration you will get your personal URL with your ID. This will enable you to send mails to persons you would like to join this opportunity. We do not allow any kind of SPAM. Sending SPAM will result in exclusion from the program. You will also forfeit all accrued earnings. You should also avoid using personal information of other program members. These regulations are for the benefit of all members to protect the program. Please also see hints in our FAQ concerning SPAM

At the end a few thoughts

The following is only an example. You decide to join the program. You invite 3 people and all of them decide to join as well. These 3 people are also motivated and invite also 3 persons. If any of these person also join the program, you would get the following results: 3 + 9 + 27 + 81 + 243 + 729 + 2.187. That means that about 3.279 people have joined your team. That’s only because you told 3 people of this program. Your income, according to our commission program would result in 3.279 * 3,000 US$ = lots of money. You’re kindly requested to show this program to more than 3 people. Think about a family with 2 children. Each member of the family would be entitled to receive the payment of 75,000 US$. Think about families who’d like to get this once in lifetime chance.
It lies with you to do it. Show others what you did for yourself.
Finally our guideline for our success in common:

“Whatever you can dream and imagine, you will achieve for yourself.”

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Get your €55,000 pension
BEFORE you retire!

Discover how you can benefit from this unique “reverse pension plan”

Benefits

• One time registration fee 30 EUR – Includes a Banking Solution with debit card
• Compensation €110,000 for those aged 27 or younger
• Compensation €55,000 for those aged 28 to 66
• Loyalty Program Rewards €2,000 per member / 12 levels
• Limited to 100,000 members
• We welcome members of any nationality
• “€1 Million For Children” Charity Plan

Overview

The goal of Global Pension Plan is to offer an extraordinary financial opportunity with unlimited income potential.

Accordingly, it is our vision to provide a unique program while providing superior support to our members.

With the continuing growth of people who want to work from home, Global Pension Plan provides an opportunity through an innovative program designed to meet an ever changing and growing global environment.

Global Pension Plan is operated by professionals from different walks of life, including accountants, auditors, business and legal consultants with a wealth of experience both locally and worldwide, as well as online.

The Global Pension Plan opportunity has several unique and very lucrative features when compared to other “financial programs” being offered in the world today, including:

• a one-time membership fee of only 30 EUR
• only 100,000 members allowed to join
• €110,000 or €55,000 to you (depending on your age), once membership goal is achieved
• Compensation €110,000 for those 27 or younger
• Compensation €55,000 for those 28 to 66
• anyone 67 or older can promote or buy Plans for their family and earn Loyalty Rewards
• €2,000 Loyalty Rewards Plan for every member you sign up, through 12 levels
• no waiting for retirement to take advantage of this exciting program
• once the 100,000 membership goal is attained, this program will be closed

We at Global Pension Plan have all the financial resources needed to launch and manage an operation this size as well as the experience to organize and maintain an operation with a target of 100,000 members. Additionally, we have extensive contacts in the financial world acquired over decades. All of this expertise makes it possible to offer this time-sensitive, enormously lucrative opportunity to you.

Last, but not least, one of the most important factors in a program of this nature is a capable and reliable IT-partner (computer software developer) which we have. Global Pension Plan draws on the knowledge, experience and resources of a worldwide network to create a uniquely effective and rewarding financial opportunity for You!

The Plan

The program we offer for qualified members includes exceptional, unique features when compared to other income programs or opportunities. First, we have all the financial resources needed to launch and run an operation this size. Second, we have the experience to organize and run an operation with a member-base of 100,000. We also have extensive long-time contacts in the financial world. Lastly, one of the most important factors in any business with online context is having a capable and reliable IT-partner (computer software developers).

Below is information about a program named Global Pension Plan. Presentation of this information is not intended to be, nor is it to be construed as, an offer to sell securities, insurance, or anything pertaining to a security offering, or a solicitation of any offer concerning the information described.

Global Pension Plan is nothing more complicated than a group of people who have come together with a common interest in improving their financial standing. The program makes it possible for GPP’s members to receive significant financial benefits within a few months after a quota of 100,000 members has been reached. These financial benefits may be compared to waiting years or decades for a payout from normal pension plans. This plan also removes all of the negative details connected with normal pension programs.

Normal pension plans require the policyholder to turn 65 or 70 years of age before benefits are paid out to the member. That means waiting years, even decades before any financial benefit is derived from the plan whether paid for by a company, the employee or jointly. Additionally, a less favorable point of normal pension savings is the older you are when you enter the program, the more you are required to pay to gain at least reasonable benefits when payout commences.

Based on our vast experience and extensive contacts in the financial world acquired over decades, we have succeeded in creating a very unique plan with a reputable partner. When you are invited to become a member of Global Pension Plan, your only out of pocket cost to register is 30 EUR. This fee covers all of the expenses (administration, processing, maintaining the data base and web sites, handling, banking solution, shipping, etc.) involved to maintain your Global Pension Plan membership. You will not be asked to pay any additional fees or expenses to receive Compensation and/or the Loyalty Program Rewards.

The face value for each member’s pension plan contract is €200,000. Of this amount 60% or €120,000/75% or €150.000 will be disbursed as follows:

Amount to be distributed for persons aged 27 or younger

Amount to be distributed for persons aged 28 or older

Each of these disbursements is made by the Trust Partner, not the member.(Mortgaging the pension contract is similar to a real estate property mortgage. The contract becomes collateral and is a legally binding agreement provided by a reputable company.)

The item of expenditure most interesting to each member is the one-time Compensation of €55,000 / €110,000 paid to each qualifying member a few months after the 100,000-member quota has been reached. Loyalty Program Rewards will be paid out simultaneously and could be substantial also, depending on effort.

Each contract matures on the 67th birth date of the member. Once the member, named in the contract, has received compensation in the amount of €55,000 / €110,000, they have no further financial interest or liability in the program. The contract premium is also paid in full for the Trust Partner.

Calculations For Members Aged 27 and Younger:

Calculations For Members Aged 28 and Over:

Loyalty Program

Active members under the age of 67 who choose to refer new members to Global Pension Plan will receive Compensation and Loyalty Program Rewards. Persons older than 66 years of age on the date of signing the documents do not qualify for Compensation of €55,000; however, they can qualify for the Loyalty Program Rewards! Each member referred by you or by someone else connected to you down 12 levels will earn you a €2,000 Loyalty Program Reward.

You may place as many new members on your first level as you choose. You are not required to work for yourself or the program in general, however, if you choose to do so, full time Administration offers you the support needed to expand the member-base of your TEAM. Our goal is to acquire 100,000 members as quickly as possible so you will find us a very helpful bunch.

As a participant in the Global Pension Plan’s Loyalty Program you agree to share the unique URL to your personal web site with people you desire to be financially blessed. You are not required to reveal any other personal information. Although we doubt this will ever happen, we want to be clear that any harassment of a non-member by a Global Pension Plan member will result in the forfeiture of all accrued Loyalty Program Rewards from the whole TEAM of that member. In addition, that member will be disqualified from future participation in the Loyalty Program. This rule will be strictly enforced to prevent the program from gaining a bad reputation and other potential problems. In the event there is a complaint, both individual’s comments will be evaluated by Administration so as to make a fair decision before any action is taken.

Some food for thought

The following scenario could be yours when you share this program with two people you think could use more money. You direct them to the web site GPP provides for you upon registration and they both decide to register as a member after they have studied the plan. They are as motivated as you are and know two people who they think might be interested in GPP’s program. They share the business plan with them and those two persons decide to become a member also. When everyone shows the same enthusiasm, the doubling effect continues by members who are on your TEAM and other teams. When your organization is filled to the 8th level (out of 12 levels), there would be 510 members (2+4+8+16+32+64+128+256) on your TEAM. For your efforts in sharing with two and helping them share with two who join the program and continuing duplication by everyone you will earn €1,020,000 in Loyalty Program Rewards + €55,000 / €110,000* in Compensation. Remember, there are 4 more levels available to expand your T.E.A.M. (Together Everyone Accomplishes More)! You are not restricted (nor are you required) to find two people to join your TEAM, so use your imagination and build wide. How can this be done? Just by sharing the program with two of your friends and asking them to do the same!

* You must be younger than 67 years of age at the time of payout to qualify for the Compensation.

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In the last several years, there have been a rash of “Reverse Pension” plan programs surfacing all over the place online. Are they real or just another scam? Are RPPs the “prime bank” scams of the 21st century that plagued us during the 90s? First we will define the familiar spiel in what these programs state they are and what the current facts are. You will have to decide if the risk and reward are worth taking.This is how the majority of the programs say how it works.

For a small membership fee, usually between $35 – $50, you have the opportunity to receive between $55,000 to $100K+ dollars in return. How you ask? It is through some private investor, venture capitalist or Trust partner that works with an insurance company. Your small fee is just a membership fee for the administrator (website) that brings this program forward. At the completion of the sign up process, anywhere between 10,000 members to over 100,000 members depending on the program; the third party purchases an insurance policy (pension policy) on your behalf and pays for it. You in return, sign over this policy to the “investor” to collect when you retire. They pay you upfront a lump sum or percentage of the total payout that you would have received when you do retire.

Let’s say for example, the policy is for $200,000 when you reach retirement age. The “investor” gives you $55,000 upfront and they collect $145,000 when the policy matures. This is seems very logical at first glance, but leaves many questions unanswered. (And most of these “admins” don’t seem to answer when pressed with these questions.) First of all, we do not know the premium that is paid for this policy. If you were to purchase this policy on your own, you would usually pay a monthly premium up until your retirement age before you collect. There are certain plans that work like an annuity, in which a large sum is paid upfront and interest is accrued until retirement. Both scenarios brings forth a big gaping hole in these programs.

Take on average a 30 year old. If the monthly premium is $50. That is $21,000 dollars in payments until retirement at 65 years of age. For the sake of simplicity, the same $21,000 (usually more) in the annuity method is paid upfront for a $200,000 payout at retirement. It begs the question why would a private investor, venture capitalist or Trust partner participate in such a program where the returns years down the road is short of profitable?

First of all, they pay you $55,000 (not to mention the referal fees that some of these programs pay) + $21,000 premium (which more than likely much higher). Their returns would be $200K – 76K = $124K or less with referral payouts after 35 years. Adjusted for inflation, this amount is worthless. If they took the same $76K and put it in a money market that earns 5% a year over 35 years, that would make them over $400K. Multiply that with the number of policies that these programs are supposedly geared for, 10,000 to 150,000, that is alot of money.

This leaves one very unsettling question. Are these “investors” really that stupid or is it really a scam on the part of the “admin” and program originators in collecting the “membership” fees? One hundred thousand members times $50 is alot of money collected. Even after referral fees are accounted for. If half goes to referrals, that leaves about $2.5 million going to someone.

Of course the supporters of these programs will say, the “investors” in these policies will “mortgage” or sell these policies to others. They may even get leverage for these policies to get more money with to invest in. Well, if they mortgage or sell these policies, they will have to sell it at a discount for another “investor” to profit in. Secondly, why would they need to leverage these policies to get money to invest, when they had all the money to begin with? 100,000 policies time $76,000 out of pocket is no chump change to begin with.

We have given you our take, you will have to decide if you are averse to the risks. Fifty bucks may be small change, and these admins want to convince you that it is, but look at the numbers as to why they want you to believe that. They stand to make millions from all the little small payments. Here are some facts to ponder before you send in your hard earned money.

1. Not one shred of proof that any of these programs has paid out.
2. The oldest of these programs, E65 has not paid out in over 5 years. One delay tactic after another.
3. ICC (Now Capital Preservation Society) has completed enrollment and not paid out.
4. GPP(Global Pension Plan) has completed enrollment, starting delay tactics..DDOS, internal sabotage etc.
5. PWW stalled with legal issues.
6. New programs like HCI25, Early Retirement, and Imperial Invest coming out with new twists and enticements. HCI25 giving out cars as prizes (no proof of winners). In the case of Imperial Invest, they are giving you a 80K loan to invest with. (Why don’t they just use the 80K and invest without having the hassles to dealing with you?)

Buyer beware and do your own due diligence.

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