Excel Prestige International - The latest in a string of “Reverse Pension” programs popping up all over the place.  This program was launched in April of 2007 and so far claims a membership of 224 of the needed 100,000 members to close.  Maybe people are starting to catch on to all the ‘copy cat’ RPP programs.  It doesn’t help that their site almost duplicate the text verbatim of other so called reverse pensions.  If you are thinking of signing up, we think there will be plenty of time before they will reach 100k members.  People are wising up and are waiting to see if the other programs that started before Excel pays out, then join.  Maybe a bit late on Excel’s part for joining the reverse pension “hyip” train.  In either case, participants in any of these programs are in for a long wait to see if they receive any returns if any. Believe what you will, they admit on their site that they could not play with the so called “big boys”, so now they have struck out on their own.  They have also added a little twist to the referral program to entice membership - a forced matrix.

Below are excerpts from their site:

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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.

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Pension World Wide - As of June 2007, this program has stalled in it’s tracks. Members are told that the “insurance control rejected all applications and sconces our partners”. We are not sure what the word “sconces” means, but these are supposedly highly experienced companies that deals in money making negotiations. We can only assume it is a legalese term that is above our understanding. Maybe it is just the beginning of the delays and stalling tactic of a scam. You be the judge. Take information presented from their website with a grain of salt.

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.

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Global Pension Plan - Currently, they have reached the 100,000 member sign-ups and are still signing up additional people to replace those that are being dropped from the database. All the information provided below was quoted exactly from their website. Make your judgment wisely and decide if the risks are worth taking. Buyer beware.

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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

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The birth of the HYIP scams seem to have started during the late 90s with programs such as “Omega” and “Destiny”. Many promises of high payouts in secretive bank debentures and “prime” bank investments. Most of these scam artists were eventually indicted and convicted for numerous charges, but came a little too late for the investors that were taken. Oddly enough, the threat of prison and hefty fines has not deterred these unscrupulous criminals from starting a new wave of online banking scams. Below is an excerpt from the SEC’s website about the “Prime” bank scams to keep you one step ahead of these scam artists. Please visit www.sec.gov for more information.

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Get on the ground floor and enjoy high potential returns with this investment. Please visit their webpage and download the investors kit to see if you qualify and if it is something to consider for your porfolio. Ground floor opportunities are proven to be highly profitable if you get in early enough and the product or services are in demand and if the company itself is well positioned. Here’s what their website has to say.

“Across the country, demand for heart scan centers is surging as thousands of doctors begin to refer patients. Our investors will participate in first-to-market revenue and profits as we build state-of-the-art centers in major markets.”

Fact: 70 Million Americans Have Heart Disease Invest in Medical Centers That Will Detect It Before Anyone Else Can Read the rest of this entry »

If Forex trading was easy then everyone would be doing it, however, the facts are that it is not and can be risky if you do not know what you are doing. Forex trading should be part of a balanced and diversified investment porfolio. The foreign currency exchange can be very profitable in the hands of competent traders.

One of the secrets of the rich and wealthy is that they have their money working for them, even if they do not know how in a particular market; be it stocks, options, futures, commodities or the Forex. It is no surprise that the wealthy have many different investments

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