Seniors-Citizens-Articles > Money > Real Estate

Retirement Savings Reply to this Comment

Free Information on Retirement Savings: Free Mailing to PA & NJ Senior Residents.

By: Stewart Epstein Posted: Mar 15 2006 11:02:01 AM

Senior's Resource for bowwowing and lending in a secure online Marketplace. Reply to this Comment

The Online Marketplace for P2P Lending & Borrowing I am the Prosper Group Leader for "A Senior's Resource Group" and I am pleased to introduce the first online marketplace for people-to-people lending for Seniors. Join the community that connects trusted borrowers with fair lenders

By: Michele Brown Posted: Mar 30 2006 06:09:08 PM

Other Reply to this Comment

Your site is very useful

By: Steven Posted: Apr 10 2006 03:50:17 AM

Other Reply to this Comment

Your site is very useful

By: Steven Posted: Apr 10 2006 03:50:39 AM

Other Reply to this Comment

Your site is very useful

By: Steven Posted: Apr 10 2006 03:51:30 AM

LOOKING FOR INVESTMENT PARTNERS Reply to this Comment

Hi am looking for investment partners interested in investing in East Africa..in the area of Movie theatres,Milling,among others.Please reply to: MONTINI SEBULIBA NGABONZIRA INVESTMENTS PO BOX 2049 KAMPALA,UGANDA

By: MONTINI SEBULIBA Posted: Apr 24 2006 11:23:49 AM

Increase Your Financial Security With Annuities Reply to this Comment

Increase Your Financial Security With Annuities By: Susan Himes, Mutual of Omaha Office: 402.399.9300 / Cell: 712.310.4240 / E-mail: susan.himes@mutualofomaha.com You may have thought saving for your retirement was the hard part. Have you thought about how you’re going to manage your savings so you don’t outlive your income once you’re ready to retire? An annuity may be just what you need. With an annuity, not only do your earnings grow tax-deferred until you start receiving payments, but annuities can also help you manage your retirement resources by paying you an income that is guaranteed for life. Two basic types of annuities that can provide these benefits are fixed or variable. Money invested in a fixed annuity earns a fixed rate of return and is tax-deferred. That means taxes on earnings are deferred until you begin taking money out. This potentially allows you to accumulate a greater amount of money before you pay taxes. If and when you decide to receive an income, you may choose from several options including receiving a fixed payout for life. A variable annuity allows you to diversify your investments among different bond and stock subaccounts that you select. The value of the annuity and how much your money grows depends on how well the subaccounts you selected perform. Fund selections should be based on your risk tolerance, as there is a risk of possible loss of principal. However, like a fixed annuity, variable annuities offer the benefit of tax-deferral and an income if you chose to annuitize. The ability to annuitize is one of the best ways to deal with one of the most difficult problems in retirement – outliving your income. No other financial tool allows you to receive a lifetime benefit, with a guarantee that the money will never run out. Some annuities feature an optional death benefit. If you die before you begin taking an income, annuities can provide a benefit that guarantees your heirs will receive the return of the principal investment amount – PLUS either the earnings for the fixed interest rate or the earnings from the performance of the subaccounts, depending on which type of annuity you’ve chosen. Tips on Buying Annuities • Be sure to talk to your financial professional about what type of annuity may be right for your retirement portfolio. • Participate in any employer sponsored retirement savings plan.

By: Susan Himes Posted: May 12 2006 11:29:56 AM

Baby Boomers Face Impending Financial Crisis Reply to this Comment

By Susan Himes Office: 402.399.9300 / Cell: 712.310.4240 E-mail: susan.himes@mutualofomaha.com Baby Boomers Face Impending Financial Crisis New Mutual of Omaha Long-Term Care Plan Offers Two Benefit Pools Omaha, Neb. – New long-term care insurance from Mutual of Omaha includes a feature that allows for two pools of long-term care benefits, giving customers the flexibility to make important choices about their coverage. Mutual’s LTC I plan lets customers choose the simplicity of one maximum benefit for all care services combined. With Mutual’s LTC II, customers can opt for two separate maximum benefit pools -- one for home care and another for care in a facility. Policyholders can draw from one pool without diminishing the other. “It’s a long-term care solution that competing single-pool coverage can’t match,” said Mutual of Omaha Vice President Andrew Hutchison. “For example, with three years of home health care benefits and three years of confined care benefits, a policyholder could receive six years of benefits. Drawing benefits from one pool doesn’t reduce the other.” Hutchison said the baby boomer generation, while blessed with longer life spans, faces a financial crisis caused by expensive home health care and nursing home needs. Mutual’s new long-term care plans, he said, can help people cope with the reality behind eye-popping statistics such as these: • About 43 percent of people age 65 are expected to enter a nursing home at least once in their lifetime. • The average nursing home stay is 2.4 years at a current cost of $66,154 per year, or $158,766 for the average stay. • Home health care services can cost well over $20,000 per year, and are expected to climb to $68,000 by 2030. Neither Medicare nor most retiree health plans cover long-term care needs. As a result, those who require long-term or in-home care are often forced to spend their life savings before turning to Medicaid, the government-sponsored health plan for the needy. “Americans are saving for retirement and anticipating their health care needs,” Hutchison said. “But many people have overlooked long-term care, making it the largest unfunded liability Americans face today.” Mutual of Omaha’s new LTC I and LTC II plans give consumers more choice and the ability to tailor long-term care coverage to their individual needs. Both policies also offer premium discounts for couples, understandable features and care coordination by licensed health care professionals who assess needs and develop individualized plans of care. LTC I Provides Excellent, Basic Coverage • Tax-qualified: policy benefits are tax free; premiums can be tax deductible • Mirrors the long-term care coverage available to federal employees, yet costs less • Pays for care received at home • Pays for care received in a nursing home, assisted living facility, adult day care or hospice care facility • Options include spouse survivorship benefits and inflation protection LTC II Offers “Two-Pool” Feature • Two pools of benefit dollars (one for care at home and one for care in a facility) that can be accessed independently. • Options include inflation protection, choice of tax status (tax-qualified or non tax-qualified) • Offers monthly home care benefits and return of premium at death • Indemnity option available: pays full daily benefit amount to you, even if actual daily cost of care is less than daily benefit amount It is a reality that most Americans will need some form of long-term care at some point in their lives, either at home or in a care facility, Hutchison said. “The question is how to pay for it. You could use your own money and risk depleting a lifetime of savings. You could apply to Medicaid, but you would have to spend down your assets to poverty level to be eligible. Or, you could purchase long-term care insurance,” he said. “Long-term care insurance purchased from a company – such as Mutual of Omaha – that is stable, financially sound and committed to helping people plan for their long-term care needs, is the best choice for most Americans,” Hutchison said. For more information about Mutual of Omaha’s Long-Term Care coverage, contact Susan Himes at 712.310.4240. Founded in 1909, Mutual of Omaha is a full-service multi-line organization providing insurance and financial services products, including long-term care, for individuals, businesses and groups throughout the United States.

By: Susan Himes Posted: May 12 2006 11:44:07 AM

Income vs. Expenses--An Age Old Tug of War Reply to this Comment

Income vs. Expenses — An Age-old Tug of War by: Susan Himes, Mutual of Omaha Office:402.399.9300 / Cell: 712.310.4240 E-mail: susan.himes@mutualofomaha.com Money comes in. Money goes out. If your expenses gobble up your paycheck before you know it, maybe it’s time to look at where your money is going each month. Your Income Your wages from your job probably make up the greatest portion of your income. But you may have income from other sources as well. Maybe you also work part time or have income from rental property or a business. Or you might receive alimony or child support payments. If you’re retired, you may get Social Security and pension benefits. Investments, bank accounts, and similar assets often provide interest or dividend income. And don’t forget any bonuses you receive from your employer. Keep in mind, however, that these income sources may vary from year to year — or even disappear — so it’s wise not to count too heavily on them when you’re doing your calculations. Review your income over several months to get a more accurate picture. That way, you can take into account any surges or ebbs in your cash flow. Your Expenses Expenses typically fall into one of the following three categories. You probably will have items in all three. Fixed expenses are essential items having fixed monthly payments. Your mortgage or rent, taxes, insurance, and auto and other loans — anything that you have a commitment to pay each month — belong in this group. Variable expenses have payments that may change monthly. Utility and phone bills, groceries, credit card charges, transportation costs, maintenance and repair services, and other such necessary expenses fall into this category. Discretionary expenses are for things you want but don’t have to have. They include dining out, movies, cable TV, vacations, magazine subscriptions, gym membership, furniture, and similar items. This is the spending category over which you have the most control. Once you know where your money goes, you can find places to cut back, leaving you more cash for saving and investing.

By: Susan Himes Posted: May 12 2006 11:47:27 AM

Life Insurance Essential in Estate Planning Reply to this Comment

Life Insurance Essential in Estate Planning by Susan Himes, Mutual of Omaha Office: 402.399.9300 / Cell: 712.310.4240 / E-mail: susan.himes@mutualofomaha.com You need estate planning. It doesn’t matter how much you make. It doesn’t matter where you work. What matters is whether you want to decide where your assets – no matter how great or small – end up after you die. Or would you rather have someone else make those decisions? Estate planning is how you make sure that your assets – your lifetime accumulations – pass to your heirs in a manner of your design. It’s how you make sure your family is secure, and your assets end up where you want them. It’s taking care of your family, your business – whatever is important to you. Proper estate planning, whether through a will or some other vehicle, will make sure you, and not the state, decide where and how your assets are distributed after your death. Life insurance can give you options that make your planning an easier process. There are two basic ways in which life insurance can assist in your estate planning: 1. Estate Enhancement – primarily for younger families and those families with children. Adequate life insurance that protects a family from financial loss due to a premature loss of life can help pay for future college tuition, mortgage payments, medical bills, etc. Tax-free life insurance benefits can help the surviving spouse and children maintain their standard of living. 2. Estate Liquidity – primarily for older folks with somewhat larger estates. Those individuals who are worried about federal and state death taxes can use life insurance proceeds to help pay those taxes. Many times, people with significant assets have those assets in “hard” form – they are hard assets, meaning that they are not easily or quickly sold. Your home, jewelry, artwork, cars and other material possessions are some examples. If those assets must be sold quickly to pay taxes that are due a few months after death, chances are you are not going to get top dollar for those assets. Life insurance can remove that concern. There are more advanced uses of life insurance, many of which are geared toward business owners. Some of those examples follow: • Estate Equalization for Family-Owned Businesses – Family businesses operated by parents with one or more children are often in need of liquidity when the parents die, as a majority of the estate is “tied up” in the business. Life insurance provides a way to pass the business to interested heirs while being fair to those children outside the business. • Buy-Sell Funding – Life insurance can be an indispensable tool enabling surviving co-owners of a business to own and continue the business without outside intrusion, while the deceased owner’s heirs obtain debt-free assets from the estate. • Key-Person – Business owners use “key-person” policies to help replace earnings associated with the loss of employees whose unique talents and knowledge made them valuable assets of the business. • Credit Enhancement – Life insurance is often used to stabilize a business concern’s financial position and serves as a valuable asset to pledge as collateral. • Informal Funding for Deferred Compensation – An important ingredient in any deferred compensation plan that is “non-qualified” is life insurance. Such policies owned by and payable to the employer remain a primary building-block of all such plans. For more information on how life insurance can play a valuable role in your estate planning, be sure to visit with your insurance agent.

By: Susan Himes Posted: May 12 2006 11:54:29 AM

am looking for sponsorship. Reply to this Comment

Hi every body am from East AFrican in uganda and am seeking for any organistion or person who can support my education. u can contact me on lovebook2006@yahoo.com church20042004@yahoo.com aaddress ST.PAUL SENIOR SECONDARY SCHOOL P.O.BOX 12390 KAMPALA ,UGANDA,LWEZA KISEGERWA MICHEAL.

By: kisegerwa micheal Posted: May 20 2006 09:14:20 AM

build homes Reply to this Comment

im looking for peopel who want get in the hot market of homes of buying land,and buildind homes on them in calgary alberta.

By: kother itani Posted: May 24 2006 11:39:31 PM

Investment in Real Estate in Abuja, Nigeria Reply to this Comment

We are real estate company based here at the capital city of Nigeria, Abuja. We have lots of properties for sale for the building of Estates, hospitals, churches, schools, and for residential and commercial purposes. Contact us on :bargasses@yahoo.com if intersted.

By: Eddyson Posted: May 26 2006 10:53:07 AM

Developing An Estate Plan Reply to this Comment

“Developing Your Estate Plan” Submitted By: David A. Grimaldi, Morgan Stanley Financial Advisor Branch Name: Madison Avenue Location Phone Number: (866)651-8625 You’ve spent years spent growing your wealth and building your estate, so it is just good sense to plan to protect your assets and pass them on to your beneficiaries according to your wishes. When you’re ready to sit down and develop an estate plan, keep these tips in mind. Write a will. If you do not have a will when you die, the law of your state may then determine what happens to your estate, your assets and any minor children. In addition, even if you have a Will, the estate administration process, usually governed by probate court, can be slow, sometimes expensive and open to the public. Fund a living trust. Follow through if you set up a living trust. Until you transfer ownership of property or assets to it, the trust is not worth any more to you or your beneficiaries than the paper it’s printed on. Unfortunately, many revocable living trusts are set up but are never funded. Re-title “JTWROS” property. Joint-Tenancy-With-Right of Survivorship titling of assets may reduce flexibility in estate planning. Although probate is avoided at the first joint owner’s death, estate-tax saving opportunities may be limited. Use both spouses’ estate exemption amount. Leaving all property and assets to a spouse may avoid estate taxes at the death of the first spouse, but it wastes the estate tax credit of the “first-to-die.” A credit shelter trust can allow each spouse’s estate exemption amount to be utilized, thus sheltering more assets from estate tax liabilities. Re-title ownership of life insurance policies. Most life insurance policies are owned by the insured, causing the policy’s face amount to be included in that person’s estate at his or her death. Policy owners may consider giving policies directly to the beneficiary or transferring the policies to an irrevocable life insurance trust. Either strategy could help reduce estate taxes. Choose an appropriate executor. Naming an inexperienced family member as executor could complicate the demanding task of settling your estate. This is especially true because the time following a death is often emotionally difficult. You might want to look into the benefits of naming a trust company or other corporate fiduciary as your executor. Organize your paperwork and files. If you do not provide your executors and beneficiaries with all the paperwork or files pertaining to your property, assets and wishes, improper distribution and management of your estate may result. Update your estate plan. Updating your estate plan from time to time is important so that it is implemented exactly according to your wishes. You will want to update your estate plan when there are changes in your family (births, marriages, divorces, deaths, etc.), when the value of your estate significantly increases or decreases, when tax laws change, if you move to another state or if your business or career changes. Be sure to consult your tax and legal advisors before making any tax-related or legally related decisions. And during the estate planning process, don’t forget to involve your financial advisor in investment-related issues. For More Information If you’d like to learn more about Developing an Estate Plan, please call (866)651-8625. These materials are provided free of charge for general informational and educational purposes to our brokerage clients. These materials do not take into account your personal circumstances and we do not represent that this information is complete or applicable to your situation. We may change these materials at any time in the future without notice to you. We are not providing you with investment, tax or legal advice. You should consult your own tax, legal, investment or other advisors to determine whether the analyses in these materials apply to your specific circumstances. Particular legal, accounting and tax restrictions applicable to you, margin requirements and transaction costs may significantly affect the structures discussed, and we do not represent that results indicated will be achieved. We are not offering to buy or sell any financial instrument or inviting you to participate in any trading strategy. Investments and services are offered through Morgan Stanley DW Inc., member SIPC.

By: David Grimaldi Posted: Jun 03 2006 04:45:15 PM

Financial Independence Reply to this Comment

Call me Grant Tucker for your free access to Traders Television the live in the market network for all your Trading/Investing needs. 888-884-1233*6790 gtucker@splashmedia.com

By: Grant Tucker Posted: Jun 05 2006 02:51:48 PM

The Christian Youth Development Center – Nigeria Reply to this Comment

The Christian Youth Development Center – Nigeria Invitation to all Christian Youths We the above named organization with head office in Akwa Ibom State of Nigeria is a missions base that work with youth in Nigeria and Africa. It’s an International/Interdenominational Christian Ministry with aim to mobilizing youth into Missions engagement. We wish to invite all youth worldwide to an International event of Missions exposition. Theme: The Role of Christian Youths in Promoting Missions in Africa Uyo-Nigeria 2006. The event will take place in Uyo, Akwa Ibom State, Nigeria on 20th – 23rd September 2006. The Event will host prominent African missionaries and its foreign partners of which are missionaries with virtue and most respected. Presentation at the event include: 1) What should a Christian Youth in Africa do in Missions 2) The act of Promoting Missions in African Context 3) The Impact of Africa Christian in Missions Enterprise 4) Christian Youth and Missions Awareness 5) Christian Youth in government and Missions • The conference will also feature Keynote addresses from organizations that is directly working with some of the indigenous unreached peoples groups in Africa. • The State of the Missionary work in Nigeria and Africa. • The names and contacts of Missionaries that is working with some of the Unreach in remote African villages. • We will also show possible development goals towards working with youth initiatives in Africa for prompt Missionary partnership or frontier. Contact the ICYMC office for more information and registration. Evang Ability Cosmas Email: icymcoffice@yahoo.com +2348022132445, +2348023407606

By: ability Posted: Jun 13 2006 03:13:10 PM

This really works!!!! Reply to this Comment

As seen on Oprah and 20/20, THIS SYSTEM REALLY WORKS!!! In this text I will give you all the information you need to get started today and be on your way to financial independence. This is one program that even the most skeptical person would have trouble not trying (and succeeding). I am not going to ask you to send me any compensation for this information. It is yours to use as you desire. In February 2005, I received an e-mail with all the promises of thousands of dollars in just weeks. I, like most, thought that it was just a scam to get what little money I had. Yet, I didn't delete it. I remembered two things my father once told me, "Skepticism breeds failure, while belief leads to success", and "Those who never try, never succeed." So I came back to it, and read it again. I looked into everything and thought about what I had to loose (not a thing). I started on my way and found out that this is the cheapest, fastest, and easiest way to make to make serious money online-PERIOD. All you will need is: An e-mail address A Business or Premier PayPal account (which is free), with a deposit of at least $6 in it A list of OPPORTUNITY SEEKERS e-mail addresses (I will explain how to get that) And 15 to 30 minutes of your time This program takes just a half hour and after that, there is absolutely no work to do. And yet, you will stand to gain thousands of dollars in the next few weeks for those 30 minutes of easy work. Here is what you do.. Step 1 If you're not already a PayPal user, the first thing you have to do is click on the PayPal link below and SIGN UP. It takes 2 minutes and is completely safe! www.paypal.com You need to have a premier or business account (not a personal account) otherwise you won't be able to accept credit card payments from other people. Step 2 After your account is set up, send $1 to each of the six e-mail addresses below, along with a note saying: "Please add me to your mailing list." Be certain to add this note, as it is what KEEPS THIS PROGRAM LEGAL. Instructions on how to send a payment are under "SEND MONEY" at the PayPal site. It's so easy! When you send your $1 payments to the addresses on this list, do it with a smile because "as you sow, so shall you reap!" Here is the current list: #1) tiffmas@sbcglobal.net #2)tomycaz13@yahoo.com #3) sjohnson42@charter.net #4) dr.eaglewing@sbcglobal.net #5) wvmommy2kidz@msn.com #6) lovetaz20@yahoo.com After you have transferred a $1 payment to each of the e-mail addresses on this list, something very eerie happens. It gives you an indescribable, overwhelming sense of certainty, belief, and conviction in the system. You have just proved to yourself that, because you have done it, there must be a great number of other people ready to do exactly the same. Thus you have seen for yourself, first hand, that this Business actually works! Step 3 Use any search engine and search for "Opportunity Seekers Optin Email List" and you will have your choice of suppliers to choose from. You can also search "Message Boards" and post this letter on them. HOW TO POST TO NEWSGROUPS & MESSAGE BOARDS Step..1) You do not need to re-type this entire letter to do your own posting. Simply put your CURSOR at the beginning of this letter and drag your CURSOR to the bottom of this document, and select 'copy' from the edit menu. This will copy the entire letter into your computer's temporary memory. Step ..2) Open a blank 'Notepad' file and place your cursor at the top of the blank page. From the 'Edit' menu select 'Paste'. This will paste a copy of the letter into notepad so that you can add your email to the list. Step ..3) Save your new Notepad file as a .txt file. If you want to do your postings in different sittings, you'll always have this file to go back to. Step ..4) Use Netscape or Internet Explorer and try searching for various newsgroups, on-line forums, message boards, bulletin boards, chat sites, discussions, discussion groups, online communities, etc. Go to any search engine like yahoo.com, google.com, altavista.com, excite.com - then search with subjects like "millionaire message board?", "money making message board?", "opportunity message board?", "money making discussions?", "business bulletin board?" or "money making forum? etc. You will find thousands & thousands of message boards. Click them one by one then you will find the option to post a new message. Step ..5) Visit these message boards and post this article as a new message by highlighting the text of this letter and selecting 'Paste' from the 'Edit' menu. Fill in the Subject, this will be the header that everyone sees as they scroll thru the list of postings in a particular group, click the post message button. You're done with your first one! Congratulations! THAT'S IT!! I suggest for you to send at least 200 e-mails and/or post on 200 message boards (it works a lot faster than just sending to your friends and family, which is also an option for you). If you choose to post and/or e-mail more than 200, that will increase the response, which in turn increases your income. Now, before you send and/or post this letter, add your e-mail address to the #6 position and move everyone else up, and then remove e-mail in the #1 position. Sending this letter and payment via e-mail, response time is extremely fast. That is why it only takes a few days to start getting those $1 payments to start flooding into your PayPal account! You may think that $1 doesn't sound like much, but this system has a great return. Let me show you how that adds up. A 3% response is $55,986 A 4% response is $299,592 A 5% response is $1,111,110 And at a conservative response, for example 6% return rate: You send out 200 e-mails, 12 of those people send $1= $12 Those 12 send out 200 e-mails, 144 people send you $1= $144 Those 144 send out 200 e-mails, 1,728 people send you $1= $1,728 Those 1,728 send out 200 e-mails, 20,736 people send you $1= $20,736 Those 20,736 send out 200 e-mails, 248,832 people send you $1= $248,832 Those 248,832 send out 200 e-mails, 2,985,984 people send you $1= $2,985,984 That all adds up to be $3,234,816 EVEN AT ONLY A 2% RESPONSE YOU STILL WOULD GET $5,450!!! With that kind of money, why not try? Here are a few tips that I have learned: *As soon as you get your addresses, send the e-mails ASAP while the list is still fresh *File your responses alphabetically everyday. *Remain calm! Keep your job until you have time to plan your next step. - Give 10% of your new income to a charitable organization (you reap what you sow) - Save 10%, set aside 10% to buy more addresses, 20% for your bills, 30% for taxes and 20% to enjoy. - Not enough? Send! Send! Send! NOTE- Make sure that when making the $1 transfers you add a note saying,"Please add me to your mailing list." If you tried this system before and it failed, it was probably because you e-mailed family and friends. I suggest that you wait to tell them about this system until you can show them it works. My obligation to provide a substantial lifestlye for myself and that is one thing that I will never have to worry about again, thanks to this system. PS- We will invest in lotteries, enter sweepstakes, clip coupons, etc. We need to invest in one another. Maybe you're not in need of money. Do this for someone else: a family member, a neighbor, an endowment or a worthy cause. Let's help each other fulfill our dreams and futures! --------------------------------------------------------------------------------

By: Amber Posted: Jun 17 2006 07:29:15 PM

Looking for sponsorship to build a Secondary School in Western Uganda Reply to this Comment

Hi All,am looking for a sponsor whom we can work together build secondary school in a rural area in western Uganda. I have 50acres of land.Am looking for at least 30,000 US Dollars to erect a school which will be composed of 4 classrooms 4 laboratory rooms 1 office/ teachers room 1 Dinning room/assembly room which can also be used as a church on Sundays. 1 pit latrine. The 30,000 dollrs required will be used as follows: Grading/leveling of land. Construction materials( Bricks,cement,sand,ironsheets,Iron bars), paying labour costs,trasportation of materials, lastly furniture which will include wooden doors, windows ,chairs and desks Location of the School will me in kabarole district mumbagane village 5km on Kijura Road.

By: Richard babara Posted: Jun 28 2006 02:27:47 AM

HOPE THIS HELPS... Reply to this Comment

Like many of you, I was worried about my retirement. My son told me about this site and the best thing I ever did was check it out. It wasn\'t complicated at all and they didn\'t ask me any personal questions about health, income, etc. For the past 7 months I have been receiving monthly checks of $1000. Check this out: www.socialassurance.com

By: Brent Posted: Jul 05 2006 10:29:05 AM

Great Idea Reply to this Comment

Turn $5 Into $15,000 As Seen on Oprah and Dateline. Get Your PAYPAL CASH Gift Today! This is a great way to make money using PayPal. With just $5, a PayPal account and 30 minutes you could make $1000's in 2 SIMPLE STEPS! Please take a moment to read and understand this program I'm sharing with you. NO IT'S NOT what you think. SOUND TOO GOOD TO BE TRUE? PLEASE READ ON!! Please take a moment to read and understand this program I'm sharing with you. THIS IS THE FASTEST, EASIEST PROGRAM EVER, you will be able to complete it in LESS THAN 30 MINUTES. This program works no matter what country you are in, or what currency you use. The only things you will need are: * An email address * A Premier or Business PayPal account with at least $5 deposited in it * 30 minutes of your time THIS CAN AND WILL WORK FOR YOU! HERE ARE THE DETAILS: Post this letter in 50 message boards, chat rooms, or newsgroups. Just give one person $5. THAT'S IT! Follow the simple instructions and in two weeks, you should have $10,000 because most PEOPLE WILL RESPOND due to the LOW ONE TIME INVESTMENT, SPEED AND HIGH PROFIT POTENTIAL. Just send a $5 gift to the person at POSITION 1, if your birthday is BETWEEN JAN 1 THRU JUNE 30, OR, the person at POSITION 2 if your birthday is BETWEEN JULY 1 THRU DEC 31. HERE'S WHAT YOU NEED TO DO. . . STEP 1 Ok, if you're not already a PayPal user, the first thing to do is go to PayPal.com and SIGN UP. You'll need to have a PREMIER or BUSINESS account (and not a PERSONAL account) otherwise you won't be able to receive credit card payments from other people. STEP 2 Then when you have your account, IMMEDIATELY send a $5 payment from your PayPal account to the email address in the position (1 or 2) along with a note saying: "HERE IS A $5 GIFT FOR YOU." Make sure you add this note, this is what KEEPS THIS PROGRAM LEGAL. Instructions on how to send a payment are under "SEND MONEY" at the Paypal Site. It's cool when you realize that you've just proved to yourself that, because you have done it, there must be a great number of other people ready to do exactly the same. Thus you have now seen for yourself, first hand, that this business actually works! STEP 3 REMOVE the email address you sent $5 to, and REPLACE it with your own email address. Be sure to use the same EMAIL ADDRESS that is used with YOUR Paypal account. Then post to 50 Message Boards, Chat Rooms, or Newsgroups. POSITION..1 --) shanevelmere@msn.com POSITION..2 --) thomas_soerensen@hotmail.com HOW TO POST TO NEWS GROUPS? Use Netscape or Internet Explorer and try searching for various newsgroups. Log on any search engine like YAHOO.com, Google.com, altavista.com, etc., then search with the subject money making message board; or; employment message board; or 'money making forum; or; business message board; etc. You will find thousands & thousands of message boards. Click on them one by one, then click on 'post a new message'. Then Post this article as a 'new message' by highlighting the text of this letter and selecting copy then paste from the edit menu. Fill in the Subject, and click the post message button. It only takes about 60 seconds to complete postings on message boards after you catch on. REMEMBER, THE MORE NEWSGROUPS YOU POST IN, THE MORE MONEY YOU WILL MAKE!! Thank you God Bless

By: Josh Posted: Jul 20 2006 12:58:45 PM

xVxxHGqDOP Reply to this Comment

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By: xVxxHGqDOP Posted: Jul 21 2006 04:54:50 AM

AWESOME BUSINESS OPPORTUNITY,GREAT PAY> Reply to this Comment

Okay, I know everyone is skeptical about scams and all that but this really works and if you read it, it makes sense. Hope this helps everyone out. As seen on Oprah ( you can look it up)!!! Not a Chain Letter Do you need an Extra Income? Need it Fast? Do you have a PayPal ? Account? (If not,the set up takes 5-10 minutes.) You could make up to $50,000 in one month’s time with more money coming in every month thereafter! $50,000 in Paypal? That’s right! $50,000 in your PayPal account, IT WAS PROVEN ON OPRAH and this system is COMPLETELY LEGAL!!! You may have heard of this program on 20/20 or even in the Wall Street Journal. $10 that’s all it takes. I will try to keep this short and sweet. To get started just copy this whole page and paste it to edit it. Simply follow the instructions below and in 2 to 3 weeks, you will have as much as $50,000 dollars in your PayPal account or even more. Most people respond to this program because of the low investment ($10 dollars) and the high profit potential. There is no limit to the income you can generate from this ( you can do it over and over). If you follow the instructions, you will reach thousands of people! Honesty, Faith, and Integrity make this system work. I think everyone has heard of PayPal. Anyone with an e-mail address can join for FREE! If you’re not already a PayPal user, the first thing you need to do is sign up. Sign up for PayPal here www.paypal.com It’s really easy to set up and it’s FREE!!! Just make sure you have a Business or Premier account or you may be subjected to a monthly income limitation which may slow this program down. Send $5 to the first person on the list by using the paypal send money feature, and include in the email Please add me to your list. This keeps the program legal. Then send another $5 to the 5th person on the list, with an email that says, Thank you. I’ve joined. Remove the 1st e-mail address and place your address at the bottom. This moves the 2nd to 1st, 3rd to 2nd,4th to 3rd and the 5th place into 4th. DO NOT TRY TO PLACE YOURSELF IN THE FIRST PLACE. IT WILL ONLY REACH THE PEOPLE YOU SEND IT TO, AND THEN YOUR NAME WILL BE REMOVED FROM THE LIST! If you do it the way it was designed, it will reach thousands by the time your name get to the top.REMEMBER TO SEND a $5.00 dollar donation to the 1st e-mail address and the message “PLEASE ADD ME TO YOUR LIST,” and send an email with the words “THANK YOU, I’VE JOINED” and the other $5.00 donation to the 5th person. This helps the 5th person keep track of the progress of the letter and continue to send out more emails. Here is the list: 1.artcrazeus@yahoo.com 2.runnerchic12@hotmail.com 3.princess_benz_9@hotmail.com 4.collegecase@yahoo.com 5.equus369@aol.com (Make sure it’s the same e-mail address that you used to open your PayPall account. This is the way you will receive payment) Now that you have paid the 1st person and 5th person and sent them both an email, a note, and placed your e-mail address in the 5th place, then what you need to do is post your letter. You can post on craigslist.org, message boards and newsgroups (there are thousands!), and you can even send in an email to your email list. IT IS YOUR JOB AS THE 5TH PERSON ON THE LIST TO ENSURE THERE ARE AT LEAST 20 “THANK YOU, I’VE JOINED” replies. The 5th person is the guardian of the system! If there are not at least 20 replies then the 5th person will keep sending/posting the letter until there is. MAKE SURE YOU SEND $5 DOLLARS TO THE FIRST PERSON TO THANK THEM FOR WHEN THEY WERE THE GAURDIAN OF THE LETTER AND $5 TO THE FIFTH PERSON SO MORE EMAILS CONTINUE TO GO OUT! Now the fun happens, we reap what we sow. Other people will see your posting and do the exact same thing, bringing you lots and lots of dollars!! Seriously, its common sense. You do it and 25 or more people see and do the same thing so on and so forth everyone wins! You will receive thanks AND THE SAME BLESSING. When your name is on the 1st slot, 8,000 to 15,000 people will send you $5 dollars! Keep in mind the most you spend is $10 DOLLARS! ( Remember this: what goes around comes around!) Here are the step-by-step directions again: Step 1. Set up your PayPal account, if you don’t already have one, and send the top name ( 1st person) $5.00 dollars. DON”T FORGET to include “ Please add me to your list”. This is important as it keeps the program legal. Step 2. Send the other $5.00 dollars and an e-mail stating “Thank You. I’ve joined” to the 5th name on the list. Step 3. Remove the top name, bump the other 4 names up one place each. Place your name in the bottom slot and you will receive a minimum of $100.00 or more from your efforts. Step 4. Keep sending/posting the letter until you get 20 “ Thank you, I’ve joined” replies in your mailbox. That’s it. It’s that simple! Please give it an honest effort, you will not be disappointed and will be very glad you did when it starts to work. Remember, all you are going to be out of pocket is about the cost of a couple of coffees with the opportunity of banking thousands of dollars into your PayPal account! Take the smallest risk of your life. Take 10-20 minutes to work on this small project and reap the rewards!!! TESTIMONIALS Mary Gatters, Columbus,SC I only have one thing to say to you: OH MY GOD! I sent out 142 copies total before 20 replied, like the instructions said. Then I Went on a short vacation, When I got back my account had over $32,000 dollars in it already and the money was still coming! I’m still floating on air (especially with my new car). I thought the guardian system sounded cheesy, but now I realize it is the formula that make this letter really work! THANKS! Richard Barrie, Boulder,CO: I was shocked when I saw how much money came flooding into my Paypal account. Within 3 weeks my account balance has ballooned to $22,449. At first I thought there had been some sort of error with my account! Best $10 I ever spent!!!!

By: Equus369 Posted: Jul 24 2006 04:08:07 PM

investment Reply to this Comment

I am Miss.Jenet Seabre,the only survive daughter of the former Guinea-Bissau Army chief killed (General Verissimo Correia Seabre)under the present government of my home country.I Refer you to this website for its details;( http://news.bbc.co.uk/2/hi/africa/3720218.stm ) As you will see from the above site,my father was just murdered in cold blood and now leaving me and I lost my mother, a couple of months ago , I have no Parent's.However prior to her death she informed me about a deposit the of sum of six Million Dollar (US$6.500.000) which my late father deposited with Bank here in Cote d' Ivoire ,Before his death . I am now as arefuge in cote d'Ivoire . I want you to do me a favour to receive this funds to a safe account in your country or any safer place as the beneficiary . I have plans to do investment in your country, like real estate and industrial production as joint partner .Please if you are interested in helping me to received this money in account.Kindly send the following information so that I will submitt it to my bank for transfer . Your Full name Your address Your age Your Telephone / fax number After successfully receiving this money, 45% of the total fund will go to you and 5% of what ever you spend , both your telephone bill during this transaction . I will come to your country to start up a new life with your assistance so that I can be able to live again. This is my reason for writing to you. Please if you are willing to assist me ,indicate your interest in replying me through my private email address : jenetseabre@yahoo.com Thanks and best regards, Yours, Miss.Jenet Seabre

By: jenetseabre Posted: Sep 20 2006 01:28:31 PM

Paypal guardian system that works!!! - I've made hundreds! Reply to this Comment

I did not believe that this works but it does!!...and now I've got my family and friends doing this too! Please try it. You have nothing to lose and so much to gain. Once you've given this a try you'll realize if I did this other people will probably give this a try too...and people are doing this...it works!! You can make money today with a little effort. Just give it a try it can't hurt. Do You Need Extra Income? Quickly and legally? Do you have a PayPal Account? (If not the set up takes 10-15 minutes.) You could make up to $2,000 or more in one month with more money coming in every month thereafter! $2,000 in PayPal? That's Right… $2,000 dollars in your PayPal ACCOUNT IT WAS PROVEN ON OPRAH and this system is COMPLETELY LEGAL!!! You may have heard of this program (or one like it) on 20/20 or even in the Wall Street Journal. $10 Dollars that's all it takes. I'll try to keep it short and sweet. To get started just copy this whole page and paste it in an e-mail to edit it. Simply follow the instructions below and in 2 to 3 weeks you will have as much as $2,000 in your PayPal account or even more. Most people respond to this program because of the low investment ($10 dollars) and a high profit potential. There is no limit to the income you can generate from this (you can do it over and over). If you follow the instructions, you will reach thousands of people! Honesty, Faith, and Integrity make this system work. I think everyone has heard of PayPal. Anyone with an e-mail address can join for FREE! If you're not already a PayPal user, the first thing you need to do is sign up. Sign-up for PayPal by going to www.paypal.com It's really easy to set up and it's FREE!!! Just make sure you have a Business or Premier account, it will work with a regular personal account but you may be subject to a monthly income limitation which may slow this program down. Send a $5.00 dollar donation from your PayPal account to THE FIRST e-mail address on the list along with a note saying "Please add me to your list- here is a $5.00 gift." (Be sure to add that it's a gift that's what makes this legal.) This will get you started. Now send the other $5.00 donation and an e-mail to the 5th person on the list saying "Thank you, I've joined- here is a $5.00 gift." Remove the 1st e-mail address and place your address at the bottom. This moves the 2nd to 1st, 3rd to 2nd, 4th to 3rd, and the 5th place into 4th. DO NOT TRY TO PLACE YOURSELF IN THE FIRST PLACE. IT WILL ONLY REACH THE PEOPLE YOU SEND IT TO, AND THEN YOUR NAME WILL BE REMOVED FROM THE LIST! If you do this the way it was designed, it will reach thousands by the time your name gets to the top. REMEMBER TO SEND a $5.00 dollar donation to the 1st person and the message "PLEASE ADD ME TO YOUR LIST- HERE IS A $5.00 GIFT," and send a $5.00 donation to the 5th person and the message 'THANK YOU. I'VE JOINED- HERE IS A $5.00 GIFT". This helps the 5th person keep track of progress of the letter and continue to send out more emails. Here is the list: 1. steviek5000@yahoo.com 2. kaybone_surf@hotmail.com 3. arlbulldog@comcast.net 4. MrsJohnson_1950@hotmail.com 5. joel_cookie@hotmail.com (Make sure it's the same e-mail address that you used to open your PayPal account. This is the way you will receive payment.) Now that you have paid the 1st person and 5th person and sent them both an email, and placed your e-mail address in the 5th place, the only thing left to do is to mail out at least 20 copies of this letter in message boards, discussion boards etc... The more you mail out the more money you'll make. IT IS YOUR JOB AS THE 5TH PERSON ON THE LIST TO ENSURE THERE ARE AT LEAST 20 "THANK YOU. I'VE JOINED" replies. The fifth person is the guardian of the system! If there are not at least 20 replies then the fifth person will keep sending the letter until there are. MAKE SURE YOU SEND $5 DOLLARS TO THE FIRST PERSON TO THANK THEM FOR WHEN THEY WERE THE GUARDIAN OF THE LETTER AND $5 DOLLARS TO THE FIFTH PERSON SO MORE EMAILS CONTINUE TO GO OUT! You will receive thanks AND THE SAME BLESSING when your name is on the 1st slot countless people will send you 5 dollars! Keep in mind the most you spent is $10 DOLLARS! (Remember……what goes around comes around.) ******************************************************* ***** TESTIMONIALS: Mary Gatters, Columbus, SC: I only have one thing to say to you…….OH MY GOD! I sent out 142 copies total before 20 replied, like the instructions said. Then I went on a short vacation. When I got back my account had over $32,000 dollars in it already and the money was still coming! I'm still floating on air (especially with my new car). I thought the guardian system sounded cheesy, but now I realize it is the formula that makes this letter really work! THANKS! Richard Barrie, Boulder, CO: I was shocked when I saw how much money came flooding into my PayPal account. Within 3 weeks my account balance has ballooned to $22,449. At first I thought there had been some sort of error with my account!" Step 1. Set up your PayPal account, (if you don't already have one), and send the top name (1st person) $5.00 dollars. DON'T FORGET to include "Please add me to your list- here is a $5.00 gift." This is important as it keeps the program legal. Step 2. Send the other $5.00 dollars and an e-mail stating, "Thank you. I've Joined- here is a $5.00 gift" to the 5th name on the list. Step 3. Remove the top name, bump the other 4 names up one place each. Place your name in the bottom slot. Step 4. Keep sending the letter until you get 20 "Thank you. I've joined" replies in your inbox. That's it. It's that simple! I know that maybe you have seen or heard of this on Oprah or even received numerous messages about this simple program and have probably just deleted them. I know I have! But for some unknown reason this time I decided to give it a try. After all, its only a $10.00 investment! Please give it an honest effort, you will not be disappointed and will be very glad you did when it starts to work. Remember, all you are going to be out of pocket is about the cost of a couple of coffees with the opportunity of banking thousands of dollars into your PayPal account! Foreword: This system really works and has created wealth for many thousands of people. Take the smallest risk of your life. Take 10-20 minutes to work on this small project and reap the rewards!

By: Posted: Nov 30 2006 09:52:42 AM

investments Reply to this Comment

Hi, my name is William J Segal ESQ. and I currently run a senior insurance settlement hedge fund, I have personally settled over a billion dollars in face value of insurance. The way my company basically operates, is that we buy an existing life insurance policy on a matured senior for a huge premium, depending on the policy size and premium rate. We also have another program where by we take out a new policy on a matured senior, pay all the premiums, and subsequently sell it after two years, allowing the individual to keep all the profits. It's called senior settlements and is a spin off of viatical settlements. Warren Buffet was quoted saying that this is by far the most lucrative investment on the market; at this time he has over five billion of his own dollars invested. When I came across this site, actually by mistake, I couldn't help but realize that there is many millions of dollars that you can make with quite a limited amount of work invested. This is not a mass mailing nor is it a scam business, it's extremely legitimate and can be legitimized by simply googling senior settlements. I would really like to discuss this in greater depth with you, seeing the obvious magnitude of money possible to make here. Looking forward to hearing from you, William J Segal ESQ. williamjsegal@gmail.com (347)452-0702

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This is a fantastic opportunity, try it for yourself! EVERYTHING DONE ONLINE! With just $5 and a Paypal PREMIER or BUSINESS account, you could make $$Thousands$$ in 2 SIMPLE STEPS! READ THIS VERY CAREFULLY THEN READ IT AGAIN. THIS IS FAST, THIS IS NOT THE ONE YOU WILL BE WAITING TO WORK. GUARANTEED - you will have $10,000 in two weeks. Only $5, a Paypal PREMIER or BUSINESS account and 30 min are all that is needed to get this going. GIFTING MADE EASY, PLEASE READ ON TO FIND OUT HOW... If you want to make a few thousand dollars real quick, then please take a moment to read and understand this program I'm sharing with you. NO IT'S NOT what you think. YOU DON'T have to send $5 to five or six people to buy a report, receipt or get on their mailing list. Nor will you need to invest more money later to get things going. THIS IS THE FASTEST, EASIEST PROGRAM EVER, you will be able to complete it in LESS THAN 30 MINUTES and you will never forget the day you first viewed this online. This is the FASTEST and EASIEST way to earn serious money online that you've ever seen so far in the history of the Internet! This program works no matter what country you are in, or what currency you use. It doesn't matter how old or how young you are. And you certainly won't need any special knowledge or talent. You won't need to run a website, or make phone calls, or make photocopies, or send out letters through the mail, or pay for advertising, etc. The only things you will need ar

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