Frequently Asked Questions
why not just use a bank?
For you, banks pay 0.25–5%, with a national average of .45%... they hold your money and use it to fund loans and other investments with very high overhead and organizational costs, and just pay you a minimal overflow. We effectively do the same thing, just far more direct and streamlined with very little overhead or fees, giving you a majority of the earnings FIRST.
can’t you borrow money from a bank for less than paying me?
Yes, we can and do, but there is a lot of paperwork and reporting involved in that and we would much rather pay YOU money than a bank. We also utilize a cost-averaging model to spread debt and maximize capital availability. Let’s say we borrow 100k from a bank @ 6.5%, and another 100k loan @ 8%, and a collection of these “Savings Notes” for 100k @ 18%. With 100k we can make a little money (15% ROI) and just pay that 6.5 or 8%... but with 300k we can make far higher returns (30%+ ROI), and average 10% paid to borrow it. Your Note is one part of the puzzle that benefits the whole system by helping to distribute liability and cost, putting money into YOUR pocket!
can i start small and give you more later?
Yes! You absolutely can add to your pot at any time. Typically, we prefer to renew each Note once a year, and the new amount can be whatever you want it to be, less or more. If during the year you hit a windfall and have cash in pocket, signing an additional Note is always a possibility.
what if i need my money back?
This is not a problem for most amounts. We do ask that you not withdraw the Note Principal in the first six months due to the time needed to incorporate your funds into active investments, but after one year, and that is the best time to withdraw your Principal funds, but if a situation occurs, we will do what we can to make the withdrawal as quick as possible. With larger withdrawals, extra time may be needed, as nearly all funds are always out working and shifting funds around to free them up can be a complex task. We try to keep a constant and revolving flow of funds to always have projects ending and starting, which helps keep things accessible.
so, how do you actually do this and what is my money out there doing? is this legal or some kind of pyramid scheme?
Well… yes, and no. The strategy outlined here is the rough and “short” answer, but our complete process is a fairly complex and layered approach meant to produce returns efficiently and effectively. This may seem complex and tricky; lucky for you, you have us, with more than five decades of combined business success and failures to learn from. We did the hard part already, to make it easy now. Though “layered”, our system is very scalable and does not rely on levels above or below it, so not a pyramid, more of a win-win-win money river, if anything.
can i lose all of my money? this seems risky. . .
To be straightforward and transparent, we are NOT a FDIC approved entity (like a traditional bank), and this is a form of an investment, and all investments carry an amount of risk. However, the Notes issued are legal contracts that serve as an agreement of debt. Our strategy uses a network to help reduce and mitigate your risk. Part of this involves the real estate we use by being appraised above our acquisition cost from day one, and ensuring it is fully insured, along with a distribution across multiple other individual assets, including physical gold and silver to back our equity. Aside from this, a substantial portion of our funding pool is always kept at semi-liquid cash in a higher-paying account, and the key to keeping this rate up is by keeping this cash account accessible. These factors reduce the risk for the individual and we keep the river flowing!