godblessme Joined: 27 Apr 2004 Posts: 850 Location: Singapore PostPosted: Thu Jun 22, 2006 11:33 am Post subject: Reply with quote There are VARIOUS Categories of HY=High Yield Programs ... these can include the outright scams like the Nigerian Scams, the 'maybe scams' or 'most probably scams' as seen in 99% of the HYIP Games where the experienced HYIPers know the rules of the game/rules of engagement very well and won't fall back on the Deception Excuse {they gambled on winning [taking out capital plus some profit] before any 'results of the deception' hits the program ... they gambled that they can 'out-smart' the scammers, etc ...} , the legitimate HY Programs [where sometimes no licenses are required] especially the private deals where >75% DO trade as claimed etc like in the better Forex Pools where proof of trading are furnished and trades discussed etc .... NOT ALL HY Programs are scams but even IF they are and IF we wish to participate whether or not they are indeed scams the RISK is on US - the individual 'foolish' gamblers who choose to 'bang our heads on the wall' etc ...... Of course as in ANY industry there will be BLACKSHEEP around etc ... BUT that shouldn't stop the gutsy brave risk-takers from stepping into the arena IF they so wish/desire inspite of knowing all the real risks & real situation that exist here - eg. They must never trust the blurb given on any HYIP site .... only gamble/speculate the appropriate amount of funds for EACH category of HY Program AS APPROPRIATE ! DECEPTION if any comes from the program admins/owners and NOT from ME [nothing to do with ME being immoral Twisted Evil Rolling Eyes ] ... I'm only telling it As It Is ... up to EACH Thinking Individual to assess their own Risk Management etc as to whether THEY too wish to enter into any of the HY programs inspite of the "Deceptive/Immoral Risks" involved from the program owners IF ppl are in the game they HAVE to arm themselves by educating and updating themselves etc and be better at sniffing out the BETTER legitimate HY Stuff available in contrast with the Scam Games if they want to progress to better things ... there ARE gamblers who are simply content gambling/betting only in the scammy HYIPs as they may not be interested in the "lower"-paying better HY programs - Your "clueless retirees" didn't do their homework etc etc etc ......as the clued ones know the rules of engagement here ..... TO EACH HIS OWN ! zapped! wrote: Again Toto and Big Sweep make it clear who will be the winners. The question I want to ask is should you be paid from the pooled funds if there is no investment. WHY NOT - If Toto and Big Sweep etc can use the pooled funds for payment ... why not the ponzi HYIP Games too as experienced HYIP Gamers know that's how the game is being played - inexperienced ones should therefore READ the many 'educational' posts in THIS thread to equip themselves with the necessary Know-How etc etc etc zapped! wrote: It would be someone else business if that someone who just enter the game discover that GBM exited the game right after that he pump in a large investment. I don't understand this at all !??? First of all "did that someone who just enter the game" do his own DD/checking out and make HIS own assessment as to whether it was STILL a "SAFE Time" for him to enter it [of course the earlier the better] etc etc etc .... WHY did he choose to "pump in a large investment" if he couldn't afford to lose it if lost or if that program doesn't 'warrant' such huge sums ... wasn't HE being overly-GREEDY etc ... Such personal investing/gambling decisions have Nothing to do with ME - ppl simply CAN'T be Unthinking Blind Sheep etc etc it's THEIR MONEY [Not mine] so they should THINK CAREFULLY what they do with it etc etc etc I GBM have MY own Investing/Gambling Strategies to adhere to and I may switch from program to program as I deem appropriate from time to time [and depending on my available funds etc] ..... I DON'T tell anyone else WHEN they should come in and WHEN/WHERE etc they should exit etc .... such personal decisions must be arrived at by EACH Individual THEMSELVES [NOT by ME for Them etc etc etc Rolling Eyes Rolling Eyes Rolling Eyes ] I really can't believe this - what the heck - you want to be SPOONFED etc ??? I'm already doing my part in educating/sharing with you ppl in Alternative HY Programs so that those who wish may ALSO have a chance at making some great incomes using this HIGH-RISK HY way I'm ONLY willing to teach others HOW TO FISH Wink I'm NOT willing to GIVE FISH - really some Singaporeans !!! Shocked Evil or Very Mad Rolling Eyes Twisted Evil CAVEAT : I may have more to add or to edit later .... right now I have to log out as I have another lunch appointment with another group of ex-colleagues followed by 2 facials in town today .... Wink godblessme Joined: 27 Apr 2004 Posts: 850 Location: Singapore PostPosted: Wed Jun 21, 2006 4:04 pm Post subject: Reply with quote Willing wrote: Actually depends the objective of your gambling stunts. Some sample of objectives 1) Make money 2) Excitment 3) Pass time 4) Peer pressure 5) Social gathering. Different objectives will have different results, and different level of addiction. I'll say : 1. Make money and more money Laughing 2) Excitement 3) Fun 4) Pass time At the end of it all - it's MY Money what .... so up to ME what I do with it hahahaha Wink Very Happy Razz Laughing godblessme Joined: 27 Apr 2004 Posts: 850 Location: Singapore PostPosted: Wed Jun 21, 2006 3:13 pm Post subject: Joyfund - an Options on Commodities Fund Reply with quote For a 2nd independent 3rd Party audit on Joyfund - for proof that it really tades - see HansG's Audit Report dated 19 Juner In HansG's 1st report on Joyfund dated 7 June in his blog A Closer Look at the Joyfund he'd already discussed Joyfund Extracts from the 1st Report dated 7 June : Quote: Arnaud intends to add other forms of trading to either Joyfund or still-to-be-launched programmes, based on futures, automatic forex trading, spanish real estate and more. There will also be pooled programmes, independent of Joyfund, for those unable to meet the current minimum of $1000. Joyfund Joyfund is not yet a registered offshore company, but is in the process of becoming one. Opening an account with Joyfund is a slightly awkward process and involves registering for the forum, obtaining the "loan agreement" by e-mail and "signing" it by filling in your personal details. Future dealings with the admin are taking care through the forum or by e-mail. Besides your personal details, Arnaud also asks the following: “ For security reasons as i may need to verify one's person identity and legitimacy in case of a compromised egold or email account, with every 1st loan will be attached the following information: - scan of a valid ID with the address communicated in the loan, - secret phrase and answer with which i will be able to verify that i am talking with the same person that made the investment. Those are NOT mandatory as they are only for the safety of your investment. Thus it is just advised to follow those instructions. ” Being a paranoid I would of course advice against that or at least get him to give you a copy of his valid ID in exchange! Once registered, you can start investing. Several rules apply: All deposits must be made before the 23rd [20th soon] of every month There is a 3 month lock-in period for new deposits Interest is compounded automatically A 4% transaction fee is levied on all deposits 4% is deducted from gross returns in management costs 30% is deducted from gross returns as trader's fee There are currently no referral bonuses I'm not YET in Joyfund but hope to be in soon ... should prove to be yet another good real diversification - PASSIVE earnings from Commodities Options Laughing Very Happy Very Happy godblessme Joined: 27 Apr 2004 Posts: 850 Location: Singapore PostPosted: Wed Jun 21, 2006 11:26 am Post subject: Reply with quote zapped! wrote: Yes it is only for the brave with moral fibre to cross over the other side of the law. Who do not question how the money is earned, powered by greed and fueled by earnings. If you fulfil the requirements kindly invest in HYIP and god bless you. THE FACTS : 1. It is only for the brave with the right inner fibre and intestinal fortitude - those willing to take Calculated Gambles and High Risks - those who'll not be crybabies over gambling losses etc 2. There's NO crossing over to the other side of the law - we're simply Betting/Gambling/Speculating just as in 4D/Toto/Casino/Stock Market etc .. eg. don't see any Nigerian Scam victim being punished by the law for their involvement or willing participation At worst, we're simply the willing victims in any later proven scams .... At most, we're being paid from funds pooled from the participants - just like in the Big Sweep/Toto etc .... IF it indeed turns out to be a ponzi later where the operators are NOT investing the funds into forex, commodities, and other money-making instruments/deals as claimed I repeat - so long as the funds used to pay my earnings could not have come from clearly-proven immoral means such as child prostitution, drug peddling or human trafickking etc I'm fine with it - I'll not look a 'gift-horse' in the mouth and reject any goodies from those who want to play Santa Claus .... and there are some good ppl around who play Santa Claus by either sharing their wealth around or their personal private means to achieving financial freedom with the little guys like us as in the various Forex Funds/Pools etc I for one am very very glad that I've been blessed with such opportunities and able to hitch some very lucrative rides there especially in my jobless state for the last 3 years Anyway - different strokes for different folks As zapped says - If YOU FULFIL THE REQUIREMENTS - you MAY choose to 'invest' or gamble in HYIP Games/Ponzis or the other better-quality HY programs Very Happy IF YOU DON'T FULFIL THE REQUIREMENTS - PLS STAY OUT !!! As one brave local GINSter said - when admonished by one of the CAD Officers later outside Court last year for "NOT co-operating with the CAD/Prosecution into saying falsely on the witness stand [remember he's on oath] that he felt cheated by GINS or that GINS was a scam etc" in order to nail the accused on the so-called cheating charges when the CAD/Prosecution was only "trying to HELP Singaporean investors not to lose their money" [HUH !? No Thank You !!! You busybody CAD who's woefully so unprofessional here in the GINS Case *&$%* !!!! .... WELL if that's really the case just WHEN then is the CAD going to take the necessary steps to Court to get the frozen funds rightfully RELEASED AND RETURNED to the rightful owners etc ???] - Remember that NOT ONE Single GINSter [whether Singaporean or not] had made any complaint to CAD on GINS at all.... CAD had simply acted on that baseless unverified complaint brought about by that kaypoh Peter Tan CC aka flash aka kiddo [who has his own ANTI-HYIP Thread here] Twisted Evil Rolling Eyes Evil or Very Mad THAT brave GINSter said : "MY Money or your money ????" PRECISELY - it's OUR Money - it's up to US to do as WE Want with OUR MONEY ... if we want to throw it into the HYIP Games or the better-quality HY Programs - it's none of anybody else's business here !!! godblessme Joined: 27 Apr 2004 Posts: 850 Location: Singapore PostPosted: Wed Jun 21, 2006 10:40 am Post subject: Re: JOB OFFER SCAM !!! Reply with quote This morning I saw this email in my inbox Sad Twisted Evil - RED ALERT !!!! Hello everyone! The best 2006 Offer for Singapore. We make good offers for everyone who's seeking for a better or additional job. We are currently located in Europe, but we will open our australian business offices in 2007. This offer does not require any experience or any school degree. It is the way for you to earn money without any serious effort. Job is called Bank Courier. All the information available on our website , please visit: http: // www .au-fastjob.com Requirements for employee: *1.18+years old. *2.You have to have a bank account in any Singapore bank. These are requirements. You will get paid in time and in big amounts. If you considered to start working with us, prepare your bank account information and you need to be 18+ years old. To begin your registration visit our website. http: // www .au-fastjob.com Best Regards Copied from the website : Quote: au-fastjob.com Company was found in January, 2002. Our company's goal is to assist people around the world to be a part of an Internet trading community. au-fastjob.com . works as a payment processing center helping buyers and sellers from outside of Europe manage their business more effectively. We work with sellers and buyers from United Kingdom, Australia, New Zeland, Germany. au-fastjob.com Company positioned as one of the most stable companies in the international financial management business. Our company can provide the fastest transfer times along with the best pricing available in the industry thus making it the Company of choice for all your money transfers worldwide. As one of the pioneers of the financial management industry, au-fastjob.com . has established relationships with local financial institutions in each country which permit us to make transfers in the most efficient way. Payment transactions have become an integral part of any business success. Many of the top banks, companies and leading customers worldwide use electronic payment solutions. As more and more merchants move online, there is a growing need in servicing the money flows. Working for us as a payment processing manager, you will become a Payment transactions have become an integral part of any business success. Many of the top banks, companies and leading customers worldwide use electronic payment solutions. As more and more merchants move online, there is a growing need in servicing the money flows. Working for us as a payment processing manager, you will become a part of the new trend in the world banking system. Duties of the position are simple, and income depends only on your efforts. All you have to do is transfer payments between our clients getting your interest from each operation. Why do we hire people online instead of gathering them at a big office? Because it's more profitable. We could fill our premises with numerous clerks controlling money operations realized by our company. But we offer the job to you making us both more free: we don't need to spend extra money on renting, you don't need to spend working hours outside your home or your main work place. Administration Department ● Vacancy: bank courier ● Requirements: dependable and serious worker, with good health. Age 18 to 60, doesn;t matter if it's male or female, no past experience required, education at least high school. ● Duties: duties include recieveing money to your bank account and sending them to our agents in our country. Around 1-3 money transfers a day. You have to ride taxi to the location required in your city, so we can work fast, but we pay for any vacation or hospital needs, job requires 1-2 hours a day. Working Day starts from 09:00 am and ends at 1:00 pm. Weekends: saturday, sunday. ● Raises and Benefits: starts from 1850 US dollars per week. See my previous 10 June Warning on Page 8 here : godblessme wrote: Must post this WARNING here - great detective work from a local SG online associate - on this Job Offer SCAM Twisted Evil Shocked Evil or Very Mad Be very wary if you receive an email from http: // www .dewayinc.net/ DON'T FALL FOR IT !!! IT'S A JOB SCAM TARGETTING BANK 'MULES' !!! He took on the role of "James Bond" and applied for their "job offer of a part-time position" and even went as far as submitting his Driver's License for Approval and getting an employment contract. IT IS NOT A LEGITIMATE OFFER !!! From his net research he found out from http: // news.bbc.co.uk/1/hi/business/3204493.stm Sighs .... it has now reached our Singapore shores too ....... Quote: Job scam targets bank 'mules' UK consumers are being urged to steer clear of a new scam which seeks to recruit bank customers as money "mules". Eastern European fraudsters are advertising for British people with UK-based bank accounts to act as agents to transfer money overseas, it has emerged. The fraudsters have sent thousands of e-mails, and posted adverts on recruitment websites to attract the money "mules", with promises of easy money. But the police are warning that people who sign up could see themselves prosecuted, as the money being transferred has been stolen. Experts say the scam is connected to a recent wave of attempts by tricksters to get hold of customers' online bank account details, by a method known as "phishing". Agents needed The adverts appear to offer the prospect of making some easy money by acting as a UK agent to a business overseas. They are asked to receive funds into their account and then send the money - less a small commission - on overseas. In one e-mail seen by BBC News Online, the recipient was offered a 7% cut of the proceeds. But anyone signing up to act as an agent will in fact be transferring stolen money. Apacs, which represents the payment industry, said the latest scam is connected to attempts to target online banking customers in recent months. The people perpetrating the fraud are located outside the UK, so - since they cannot transfer money directly out of their victims' online account to their own accounts abroad - they need a UK intermediary. Financial experts says the two-tier scam is indicative of a growing trend among criminals to target vulnerable consumers. Detective Chief Superintendent Len Hynds at the National Hi-tech Crime Unit, said: "We know that many of these 'funds transfer scams' involve the proceeds of fraud and consumers who participate in these schemes are likely to become embroiled in a police investigation. "The message is - don't allow yourself to be duped. Remember, if an unsolicited money-making offer looks too good to be true, then it probably is." Easy targets At least one major UK banking group says some of its customers may have been exposed to the new fraud. Barclays is warning customers to be vigilant - and it has posted a notice on its website, alerting users. It says it has so far received a very small number of phone calls from people who have inadvertently handed over their bank details to act as agents. The bank's customers were among those targeted in an email scam earlier this year, which tried to con them into revealing confidential details of their accounts. The e-mail sent to Barclays clients, under the guise of initiating a technical update of their account, took the customer to a page with a Barclays logo. A spokeswoman warned people to be careful, and that people who used Barclays' accounts to transfer money would be subject to a police investigation. "Contact us and talk to us immediately if you get one of the emails," she said. "If it's offering you easy money it's likely to be too good to be true. Never divulge your bank details," Barclays added. Lloyds TSB customers were targeted by a similar e-mail scam in September, but the bank said no fraud had been committed. It also said that none of its customers had alerted it to the job offer scams. godblessme Joined: 27 Apr 2004 Posts: 850 Location: Singapore PostPosted: Wed Jun 21, 2006 12:44 am Post subject: Reply with quote PRECISELY the whole purpose of my thread here Laughing Laughing Laughing Red Alert WARNING ALREADY posted right at the beginning in the 1st post here - ONLY suitable for those brave enough to step into this arena and equipped with the right mental attitude and aptitude etc ...... NOT meant for all and sundry Wink Again - I'm here to Create Awareness and to EDUCATE on these ALTERNATIVE HY Programs - both the lousier-quality HYIP PURE GAMES or sheer ponzis as well as the Intermediate Grades and the Better-quality more legitimate/real stuff such as the Forex Pools and the Private HY Programs - these different categories have already been amply discussed in many posts here - the approaches and strategies have all been laid out in these pages of this thread - so those Greedy Fools who continue to lose their pants/life-savings here can only have themselves to blame if they continue to be blinded by greed instead of following the smart strategies in this high-risk arena .... am providing a much-needed service here as so many ppl are short of money and without jobs just like me - but ONLY touch HYIPs etc if they have the right attributes for this high-risk route Learn how at least one person [ME] have been able to survive on these HY programs by GAMBLING with money that she can afford to lose if lost etc .... well some of the better quality programs are NOT too-good-to-be-true as their returns HAVE paid me enough to keep me alive and well - what's important is Continual DIVERSIFICATION here as there's hardly everlasting/perpetual good stuff without end as many different problems can and do arise .... Many other experienced HYIPers etc have also been able to make some good money out of this game as seen in some of the posts eg. Simon from Cashsg, chaoren, snapgold's hyippo, Marc Echols etc etc etc - just go to the Singapore HYIP sites or the Singapore Sections of some HYIP Forums ....LOL Very Happy Laughing Razz godblessme Joined: 27 Apr 2004 Posts: 850 Location: Singapore PostPosted: Wed Jun 21, 2006 12:17 am Post subject: Reply with quote hybridvestor wrote: godblessme wrote: hybridvestor - here's a post from the LEISURE FORUM Gambling Poll Thread today : Hope YOU can really SEE the real difference and point here Wink i.e. We have to strike or win first before we can talk about other things/problems ... ... ... .... _Corona_ wrote: I see another type in my office for this world cup. I shall call them having the gambler’s mentality. It is for those who buy bets that have slim chances of winning but the payouts are better. Don’t we have to strike first before we can talk about how much is the payout? For those who know the game well, considered all the factors on and off pit, I call it calculated risk, like investment. It all depends on the gambler. The underlying factor is GREED. godblessme, You miss me ? hahaha ... alright alright, since you bring this up, just let me point out that you are the one who still do not get the clues. Let me show you the way. Point 1 : For those who bet, they already know that the winning chance is slim. At least they already know and being informed. They are not given false hopes in the first place. Compare with those scams programs such as HYIPs which promised x% of returns everyday. This is giving false hopes to those who lured by greed. It is setup outright to scam the gullible's money no matter which direction one looks at it. SIGHS - Looks like I'll have to repeat my points ALL over again as in previous post - there's none so blind as those who wilfully refuse to see reason etc .... Firstly as BETTING in ANY High-Risk High Yield Programs whether the orthodox traditional ones [where you've ALREADY admitted the winning chance is slim - in red] or my kind of unorthodox alternative HYIPs/Games or other alternative HY Non-Game Programs - there's NO GUARANTEE of Sure Wins .... What is BETTING then if sure-wins apply there ? The concept of 'false hopes' doesn't apply especially in HYIP Games - in the HYIP Games we're really betting on who gets to be scammed out of the money first - can we 'willing foolish gamers' place our bets on 'scamming' the scammers at their game etc ? ONLY Real Stupid greedy Hyip FOOLS without adequate preparation/strategies etc will believe/place all faith on such 'false promises/claims' [IF ANY - nowadays most 'honest' HYIPs STATE very explicitly No Guarantee of everlasting ROIs etc and to use only money that they can afford to lose if lost etc] - HYIP GAMES are exactly that - GAMES or Gambles and should be approached in THAT light using only Gambling Funds and not life-savings etc Very Happy I'm saying my HY Programs even the lower-quality HYIP GAMES are much better GAMBLES than 4D/Toto etc as the CHANCE at winning ARE superior or much much better especially the Early Birds who get into the game early enough See points on previous post below on the various categories of HY Programs : Quote: NO - YOU see the difference : 1. Nigerian Scams - no chance at all of winning - really $ flushing down drain etc ..... 2. 4D, Toto, Casino, First barrier - you MUST WIN 1st - THIS barrier extremely hard to pass ... Only a rare percentage will win here then can claim the prize which is the 2nd barrier/stage 3. Lousy Ponzi HYIPs Sure Win for at least the 1st couple of cycles/rounds .... CAN get $ out Problems only arise LATER .... only to be expected and well-prepared for 4. Good HYIPs like PIPS For the lucky early-enough ones - SURE WIN at getting/claiming the 2% - for ALMOST 2 years pple WERE paid PIPS Money helped me to survive in 2004 and part 2005 For the later ones - the ONLY Barrier - being unable to claim the "winnings" earned 5. For the real programs like the Forex Pools and better Private Programs NO PROBLEM in claiming/withdrawing the money earned In the first place the odds of winning in 4D/Toto etc itself is SO SLIM compared with being paid the earnings from HYIPs which DO PAY for at least a few cycles or for many more months/years in the better ones .... Point 2 : If those lucky ones really do get the bets right, they have no fear or worries that they will unable to claim and collect the prizes. The payout is guaranteed. The operator is there for sure and will not run away with their bets. On the other hand, can operators of scam programs like HYIPs guarantee the payout and will not run away with the money put up with them ?? Just consider Point 2 is enough. If one can't even claim back the principle + the winning at all, what's the point of talking about striking or winning if those scam operators just run away anytime, anywhere they want ? So how can you say we should ignore point-2 problem or the like, and just concentrate on striking or winning first ? Think about it ... Razz In Point 1 - the chances of winning in most HYIP Games and other alternative HY Programs ARE MUCH HIGHER than in 4D/Toto - so it follows in Point 2 that most early winners CAN CLAIM BACK the principal and some profits AND in the 1st few cycles at least the HYIP Game operators are STILL Around and have NOT run off yet - therefore the lucky winners there CAN withdraw their winnings Very Happy Taking MY own example/proof - I have won at some HYIP Games and most if not all of the better private programs etc whereas I've never ever won at 4D in my life [have at the most only won like $300 TWICE from Toto not counting the few $10s or $20s ....] Of course such problems won't be seen in the Better Non-Game HY private programs as they are more 'legitimate' and fulfil their side of the bargain [unless stopped by global conspiracies and the like etc] From previous post : Quote: CAN YOU SEE THIS POINT ??? If can't even cross the 1st Barrier of winning at 4D/Toto no need to talk about being able to claim the winnings .... too far-removed etc I've MADE MONEY from HY Programs which I've managed to withdraw etc but I've yet to see any returns from 4D [if can't even WIN what good is there about being able to claim ???? ] My money HAVE NOT BEEN FLUSHED Down the Drain for all the HY Programs as the Overall Output [earnings] is more than the Input [capital including any losses] Sure - some HY Programs you lose money but THAT fear should not STOP us from participating in HY Programs bc we CAN Win Big in some of them too - and the WINS have been more than the losses in my case godblessme Joined: 27 Apr 2004 Posts: 850 Location: Singapore PostPosted: Tue Jun 20, 2006 8:51 pm Post subject: Reply with quote For completeness : godblessme wrote: mistakes_no._3 wrote: godblessme wrote: I HAVE bought insurance from someone I've not met before .... after meeting them with their quotations etc I might end-up buying from them I've got a couple or three such policies bought from "strangers" - eg. one was from an article in the press talking about Critical Illness Cover and Group Coverage for the elderly [I ended up buying a group health policy for my mom which I've since terminated after they took out the death benefit there and yet another Critical Illness Cover for myself from that writer's broking firm] ... another from a flyer in my mailbox as the timing was just right as I was scouting around for an Endowment Policy then. I'm likely to do my CPF unit Trust switching with this CNA Forummer as HIS posts are sensible making positive contributions/responses ... so far quite happy with his prompt 'services' and response rate etc and his non-pushy stance ....I've not met him YET altho' have seen his photo from his company website etc hehehe .... In the end still got to meet before transaction, right? That's my point. Can forummers meet you? MY POINT - there's NO transaction in any of my HY Programs - YOU [if you so wish] are transacting with the HY Program Admin/Owner NOT ME Rolling Eyes Rolling Eyes Rolling Eyes godblessme Joined: 27 Apr 2004 Posts: 850 Location: Singapore PostPosted: Tue Jun 20, 2006 6:50 pm Post subject: Reply with quote mistakes_no._3 wrote: godblessme wrote: I HAVE bought insurance from someone I've not met before .... after meeting them with their quotations etc I might end-up buying from them I've got a couple or three such policies bought from "strangers" - eg. one was from an article in the press talking about Critical Illness Cover and Group Coverage for the elderly [I ended up buying a group health policy for my mom which I've since terminated after they took out the death benefit there and yet another Critical Illness Cover for myself from that writer's broking firm] ... another from a flyer in my mailbox as the timing was just right as I was scouting around for an Endowment Policy then. I'm likely to do my CPF unit Trust switching with this CNA Forummer as HIS posts are sensible making positive contributions/responses ... so far quite happy with his prompt 'services' and response rate etc and his non-pushy stance ....I've not met him YET altho' have seen his photo from his company website etc hehehe .... In the end still got to meet before transaction, right? That's my point. Can forummers meet you? MY POINT - there's NO transaction in any of my HY Programs - YOU [if you so wish] are transacting with the HY Program Admin/Owner NOT ME Rolling Eyes Rolling Eyes godblessme Joined: 27 Apr 2004 Posts: 850 Location: Singapore PostPosted: Tue Jun 20, 2006 6:34 pm Post subject: Reply with quote mistakes_no._3 wrote: Afraid of entrapment & police catch. How to meet you. Therefore solicit over internet. Which type of legal businesses do not meet face-to-face other than phone banking? Will you buy insurance from someone you have never met before?[/color][/b] For entrapment etc - you must first be guilty of a CRIME SHARING of lobangs or alternative unorthodox ways is NO CRIME - it's highly EDUCATIONAL etc there's NO solicitation as such as anyone who wants to go into any of these HY programs must make their own free decision/choice with eyes wide-open - didn't you see my WARNING in the 1st post of my hyip thread [remember you asked me to put my disclaimer/warning when you were in your earlier more-sensible state of mind] - advising those who just don't have it AGAINST going into HYIPs etc etc ???? To answer you - YES !!! I HAVE bought insurance from someone I've not met before .... after meeting them with their quotations etc I might end-up buying from them I've got a couple or three such policies bought from "strangers" - eg. one was from an article in the press talking about Critical Illness Cover and Group Coverage for the elderly [I ended up buying a group health policy for my mom which I've since terminated after they took out the death benefit there and yet another Critical Illness Cover for myself from that writer's broking firm] ... another from a flyer in my mailbox as the timing was just right as I was scouting around for an Endowment Policy then I'm likely to do my CPF unit Trust switching with this CNA Forummer as HIS posts are sensible making positive contributions/responses ... so far quite happy with his prompt 'services' and response rate etc and his non-pushy stance ....I've not met him YET altho' have seen his photo from his company website etc hehehe .... godblessme Joined: 27 Apr 2004 Posts: 850 Location: Singapore PostPosted: Tue Jun 20, 2006 6:15 pm Post subject: Reply with quote Garfields wrote: That is why when you have money, never let your wife know about it. Keep the money somewhere else. Of cos, don't be silly to 'feed' a mistress. Save it for your old age. For me, whenever I have extra cash, I will buy some endowment, be it 10 to 15 years. So in case, I have to half my property, the most is the HDB or landed property. If you keep money in the bank, she can get her share aw well. And good thing is, the wife cannot get half of your insurance becos it is not mature yet. At the same time your can name the beneficiary. But the catch is that, make sure you are the rightful owner of the policy. Do not pass the right to the policy to her. Or else, even when you divorce her, you still have to service the policy while in the end she will gets the money. Even you cease to pay or service the policy, she can surrender and cash it out. I think this is the way insurance works. Anyone kind to do correction and share with us to be smarter husbands? Ummm .... don't know about that Think nowadays with Creative Divorce Lawyers who are worth their salt - they CAN think of Creative Ways to get the judge/Court to grant an order in the wife's favour - overcome such "loopholes" Wink godblessme Joined: 27 Apr 2004 Posts: 850 Location: Singapore PostPosted: Tue Jun 20, 2006 6:04 pm Post subject: Reply with quote The best thing to do is to IGNORE those who refuse to grow up ...... This Page 9 - waste of band-width only with the infantile screams from some silly *%#!! juvenile suffering from some Attention-Deficit Syndrome etc Rolling Eyes Rolling Eyes Rolling Eyes Rolling Eyes godblessme Joined: 27 Apr 2004 Posts: 850 Location: Singapore PostPosted: Tue Jun 20, 2006 5:53 pm Post subject: Reply with quote Newbie2006 wrote: Alamak, dont say I am shrewd leh. Anyway I am not an accountant..... $$ not easy to earn ya. Need to save for rainy days, child's education, retirement. Should let the "system" work for me and not against me Wink. It just need someone to be AWARE and be open-minded....to earn or save some $$. I think I should change my job to financial planning. I think Lawry will be my 1st client. Laughing OK, 1st advice on financial planning. Take maximum no. of years (say 30yrs) if you are buying a HDB for the 1st time, even if you can afford to pay it off in say, 10yrs. Strange to say that?? Wanted to know why? Btw, I have just convinced one of my friend that it's better to take a 30yr-loan with facts and figures Wink. Yes - I took out the maximum 15-year loan for my HDB flat even tho' I could have paid off the whole loan later from my available OA - bc I wanted to use my CPF to gamble on the stock market - at that time could withdraw profits for my own use while leaving the losses there Shocked Hehehe - make use of the system ! But if left with lousy non-performing stocks there also another big headache .... sighs Confused godblessme Joined: 27 Apr 2004 Posts: 850 Location: Singapore PostPosted: Tue Jun 20, 2006 5:40 pm Post subject: Reply with quote mistakes_no._3 wrote: Going round & round & round. Sharing, sharing, sharing...why not share your money around? See, if you admit what you do is no issues, why afraid of admin ? HUH ?????? Rolling Eyes Rolling Eyes Rolling Eyes godblessme Joined: 27 Apr 2004 Posts: 850 Location: Singapore PostPosted: Tue Jun 20, 2006 5:38 pm Post subject: Reply with quote wuiwui wrote: mistakes_no._3 wrote: godblessme wrote: Yup - I share the same views as flo above ... mn3's later posts have ALSO put me off .... despite my initial reaction to his so-called "Neutral to HYIPs" stand which later became more ANTI-HYIP than anything else ... some ppl are just so "fickle" not being able to stick to their stand etc and become SO contradicting, offensive etc etc etc - I take back whatever respect I have there for MN3 Rolling Eyes Rolling Eyes Rolling Eyes Why don't you start introducing your HYIP here to these group of ppl. You will be the only person in this CNA forum whom cannot meet up with anyone here, face-to-face, without a change of identity. Dare to take the challenge? haa, in fact i do not mind if GBM meets us to explain her HYIP. lawry would also love to meet her. Very Happy Hey - My HY Thread ALREADY explains what's needed in this arena ... or at least points you towards other resources for more perinent info - doesn't require any meeting to explain further - all you need to do is READ READ READ etc .... I've already made an earlier reply too .... BTW wuiwui - how was Robert Townsend's ebook on PPPs - presumed you've already read that ??? Hmmm ..... I DO think I'm likely to be meeting someone face-to-face from this CNA Forum soon as I want to do some switching of my CPF Unit Trusts [once I make my decision as to which etc] Wink of course with NO Change in my identity etc unlike some cowards who need to assume multiple usernames here etc Twisted Evil Rolling Eyes godblessme Joined: 27 Apr 2004 Posts: 850 Location: Singapore PostPosted: Tue Jun 20, 2006 5:03 pm Post subject: Reply with quote mistakes_no._3 wrote: So quiet, I thought you are very quick in rebuking? Especially when defending your HYIP. What happen now? If you must know - I was busy in other forums replying to those who'd PMed me there ... also today busy at home as waiting for delivery of new fridge and microwave-convection oven from 2 different places .... Also I'm NOT the type to reply to your Wu-Liao posts/challenges as not worthy of my time and energies .... just now in Leisure Thread was only sharing my views on how I felt over your contradicting/overly-offensive posts there etc ... sore that the shoe fits is it .... that's why you're switching over to ATTACKING ME here now ... hummphhhh !!!???? BTW - I'm NOT like that kiddo who's so unethical as to artificially inflate the number of views by Self-Clicking in his own thread [see posts on this - even K+K's posts] .... I guarantee I DON'T self-click for nothing/to add views .... And who's 'soliciting business' [I'm only using 'business' in the figurative sense here as YOU were the one saying no-one VISITS my thread ] - I'm merely SHARING - Creating Awareness & Educating those who will on HYIPs and other HY Programs and not doing any HYIP business here .... those who ARE NOT into HY Programs can simply IGNORE and NOT READ My Thread .... those who condemn/naysay and are Anti-HYIP can go to kiddo's Anti-Hyip Thread and add on their 2-cents worth there - you should all be doing your anti-Hyip chirping over THERE etc etc etc Talking about "self-admit" - did I ever mention your complaining to Admin etc ???? Rolling Eyes Rolling Eyes Rolling Eyes Anyway no point talking to someone who's NOT capable of sensible rational discussion .... hate talking to fickle ppl etc I'm NOT some coward who needs to resort to invoking the name of Admin etc etc etc or to threaten/blackmail ppl to get their own way etc etc etc Rolling Eyes Twisted Evil Rolling Eyes Evil or Very Mad Rolling Eyes GROW UP !!! godblessme Joined: 27 Apr 2004 Posts: 850 Location: Singapore PostPosted: Tue Jun 20, 2006 3:44 pm Post subject: Reply with quote mistakes_no._3 wrote: godblessme wrote: Yup - I share the same views as flo above ... mn3's later posts have ALSO put me off .... despite my initial reaction to his so-called "Neutral to HYIPs" stand which later became more ANTI-HYIP than anything else ... some ppl are just so "fickle" not being able to stick to their stand etc and become SO contradicting, offensive etc etc etc - I take back whatever respect I have there for MN3 Rolling Eyes Rolling Eyes Rolling Eyes Thanks for inviting me to start all these all over again. Since I am fickle minded, then I should live up to my name. Why no one visits your thread? See so much of your own sales talk to yourself. Poor thing. You're WRONG there - I've got PLENTY of visitors who are READERS of this thread [just look at the Number of Views etc] .... some of them DO PM me etc etc etc altho' not many post here - which is the way I want it - bc if you've got NOTHING worthy or sensible to contribute here then pls don't and shut your trap ... if all you can do is condemn and naysay then join kiddo's ANTI-HYIP Thread and do your anti-hyip chirping to your hearts' content over THERE [and NOT Here !!!] godblessme Joined: 27 Apr 2004 Posts: 850 Location: Singapore PostPosted: Tue Jun 20, 2006 2:28 pm Post subject: Reply with quote Flo wrote: Initially , you seemed a reasonable person in your posts but then later on, things like this statement of yours put me off: mistakes_no._3 wrote: Flo wrote: There's another one : Lucy in the Sky with Diamonds by the Beatles. They spell out LSD You seem to be "in"...don't tell me.... Laughing Question Exclamation What do you mean by "in" ? Are you implying i'm into drugs ? Just because i read the newspapers from cover to cover doesn't mean i'm "in" to drugs . Then your reply to ci in the father's Day thread : mistakes_no._3 wrote: ci wrote: Yeah, it did seem quite empty, even at the restaurant I was at. Maybe most fathers wanted presents than meals? Present? 1 nite stay in Geylang? and your making fun of "rwes" which actually are his initials . This is what i mean by offensive. You should always bear in mind you are writing in a forum that is viewed by all age groups. You don't have to wait for a student to come in and say "Hey, Uncle, I'm a student " or wait for others like me to tell you to be mindful of your words. We can start again anew. You do have good points to raise when you want to . Just refrain from being too loose with your words. Yup - I share the same views as flo above ... mn3's later posts have ALSO put me off .... despite my initial reaction to his so-called "Neutral to HYIPs" stand which later became more ANTI-HYIP than anything else ... some ppl are just so "fickle" not being able to stick to their stand etc and become SO contradicting, offensive etc etc etc - I take back whatever respect I have there for MN3 Rolling Eyes Rolling Eyes Rolling Eyes godblessme Joined: 27 Apr 2004 Posts: 850 Location: Singapore PostPosted: Tue Jun 20, 2006 1:23 am Post subject: Reply with quote Don't know whether you guys will find this useful - enter your email for the free newsletter to be sent to you ... some interesting reads when we're too free with nothing better to do .... Cool Laughing Secrets of the Spot Market (Part II): The 3 Key Factors That Affect a Currency's Value http: // www .sovereignsociety.com/vmembers.php?nid=1704 Secrets of the Spot Market (Part III): Tailored Trading Strategies-Yield, Leveraged Appreciation or Both http: // www .sovereignsociety.com/vmembers.php?nid=1706 Remove the spaces to get the links - Admin doesn't allow links in CNA godblessme Joined: 27 Apr 2004 Posts: 850 Location: Singapore PostPosted: Mon Jun 19, 2006 4:06 am Post subject: Reply with quote nurinka already posted on this in the Human Stupidity Thread Very Happy http://info.channelnewsasia.com/bb/viewtopic.php?t=27829&postdays=0&postorder=asc&start=49 Rolling Eyes Rolling Eyes Rolling Eyes