FIXED RETURN UP TO 45% PER ANNUM COMPOUNDED.

BEST IRA PROGRAM IN  2007

Eight year annuity program is aimed at long-term profit. Mostly it suits people interested in receiving fixed income at higher than average interest rate on a long-term basis. Eight year annuity program has the highest interest rate among programs of such kind. Interest is calculated at the rate of 27% per annum.

Our Fixed Return Programs are the same as fixed annuities offered by most of the insurance companies but have higher fixed returns. Fixed annuities are characterized by a minimum interest rate guaranteed by the issuing insurance company or a mutual fund. Secure and safe no-risk investments became popular with conservative investors and for those who want to target for exact returns on their investments. Our fixed annuities have an additional variable benefit to the guaranteed amount. Besides guaranteed minimum return you are to receive an additional premium if the investments provide higher than average annual return. It allows us to offer competitive premiums and pay out additional benefits if investment projects are subject to more than average income.With a fixed annuity, we are focusing on safety of principal capital and stable investment returns. Our lowest interest rate is 11% per annum.Our advantages are:

1. No management fees
2. High rates of return
3. Additional benefits
4. No taxes are applicable (no matter if under which plan you are investing)
5. Potential for higher returns based on market performance
6. Freedom to move funds between portfolios as investment objectives change
7. Guaranteed death benefit if annuity holder dies during the period while money is accumulating
8. No start-up fees or charges
9. Lifetime income
10. Assistance from professional financial consultants
11. Special conditions in case more than 200 000 USD investments

Depending on the investor’s needs we are able to offer our investors both Single payment and Series of payments investments depending on the investor’s preferences.

Investment in Island Real estate

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Yes, you did read that correctly! Who knew you could own private property on one of world’s most natural, sacred and pristine locations? As far fetched as it may seem, it is true. The Galapagos Islands are on the United Nations list of World Heritage sites that is endangered, which is the main reason why only 3% of this real estate is allowed private ownership by the Ecuadorian government.

You may have missed it back in 2004 when the Galapagos Santa Cruz Gardens subdivision containing 60 lots were available for This is truly a once in a lifetime rare opportunity. The cost is a steal when compared to other island real estate like Hawaii. The growth in adventure tourism to the Galapagos will only fuel the appreciation of this investment for years to come.purchase. Unfortunately, all of those lots have been sold or reserved. More information about this development can be found here, www.santacruzgarden.com.

Fortunately, for those that are interested in sun, sand, beach and a great investment value; we have uncovered a new opportunity for real estate ownership on the Galapagos. You will have to be quick because this new subdivision consists of only 26 lots and about half have been spoken for as of today.

Before you break out the checkbook, fair warning must be given about this privilege of ownership. There are many rules and laws that will have to be abided by. The Galapagos is like no other place in the world and is a delicate ecosystem that needs to be preserved. Conservation is a priority; therefore, a high standard is required of its new investors.

This investment is best suited for those that loves nature and would like to help do their part in protecting it for future generations. There are some principles that you will have to commit to and they are not your every day homeowner’s association bylaws.

• Non migration to the Galapagos policy. You may stay for up to 90 days per year in the Galapagos but not seek to migrate there nor foster migration there.
• Use of solar power in the homes (should you decide to construct a home on your lot, you will have to use solar powered energy)
• Being ready to contribute to the Galapagos in many ways, including that of adapting should changes be needed so as to better serve conservation efforts

If these commitments seems fair to you, then let me introduce you to the Santa Fe project. You will have to login to this site to get all the details, www.santafe-galapagos.com.

Username: OPPORTUNITY Password: 2CONSERVE

As quoted from the website, Why you should Invest in Santa Fe?

• It’s the opportunity to own land in the world fabled Galapagos Islands
• Only three percent of the Galapagos Islands are subject to private ownership
• The cost is a fraction of that of island properties in other places
• It’s a project that upholds high environmental standards
• The Galapagos have been deemed to be one of the most sought after island destinations in the Americas
• As one of the most pristine destinations on earth, the Galapagos receive on average 100 less tourists than the Hawaiian islands
• On the same token, the Galapagos are a favorite among heads of state, billionaires and celebrities
• This is something to hold and treasure, to pass on to future generations or who knows, perhaps make a good profit in the next several years
• We have the track record of having made two of the most successful ecological development projects in the Galapagos
• The Galapagos are a place for soothing inspiration or for thrilling adventure
• There are three daily flights to the Galapagos, most of them in brand new Airbus A320 jet planes
• The Galapagos are a living laboratory of evolution; they inspired Darwin for his landmark book, the Origin of the Species
• The Galapagos have a especial enchantment to them; they were frequented by pirates and buccaneers
• The Galapagos are a conservation opportunity waiting to happen

Pricing and contact information

Each 0.6 acre lot is currently priced at $65,000. There is an additional $500 deeding and registration fee and a $48,000 contribution towards the Second Stage payable in two installments at 6 and 12 months from the date of purchase.

If you are ready to be part of Santa Fe or if you have any questions and or comments, please contact Dr. Andres Cordova at: afcordova@accessinter.net.

This is truly a once in a lifetime rare opportunity. The cost is a steal when compared to other island real estate like Hawaii. The growth in adventure tourism to the Galapagos will only fuel the appreciation of this investment for years to come. You’ll have a bonus of living among international neighbors both at Santa Fe and from Santa Cruz Garden.

Prosper America

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So you have money sitting in your bank account earning a paltry 3% interest and if you are fortunate, you may even earn 5% per year. In the meantime, your bank is lending out your money to borrowers and making a profit off of your deposits by charging a higher interest rate to the borrower.

Isn’t it time for you to get a share of what the banking industry has been doing for years? Why not make your hard earned money work even harder for you by lending out your money and earning the interest yourself? Prosper has built the first people to people lending marketplace where you can lend to borrowers and make an above average return on your money. This can be a lucrative business if you can manage it correctly; like the banks do.

Although we refer to you and other individuals as “lenders”, the loans are being made by Prosper and then sold to you, making you a loan purchaser. The term “lender” is used through the site for the sake of simplicity. – Prosper

As a Lender this is how it works:

• Browse through the marketplace of loan listings to find attractive borrowers and good rates.
• Check the borrower’s credit grade and history.
• Bid the amount and rate you are willing to lend.

Is it risky and what if the borrow defaults?

• If a borrower doesn’t pay, Prosper will ding his credit score and assign a collection agency. In the worst case scenario, if he defaults, his credit rating will fall and you will receive the proceeds of the loan’s sale to a debt buyer.
• This is why lenders should make smaller loans to many people. On Prosper, you can make loans as small as $50 to a borrower.
• Spreading many small loans across more people means less risk and a better return.

How much interest can a lender earn?

This depends on several factors. Borrower’s credit rating, the legal interest rate cap by state and what the lender can negotiate during the bidding process.

Company Overview:

Prosper, America’s first people-to-people lending marketplace, was created to make consumer lending more financially and socially rewarding for everyone.

The way Prosper works is intuitive to people who have used eBay. Instead of listing and bidding on items, people list and bid on loans using Prosper’s online auction platform.

People who want to lend set the minimum interest rate they are willing to earn and bid in increments of $50 to $25,000 on loan listings they select. People who lend can easily diversify using “standing orders”, which automatically make many small loans to different borrowers.

Borrowers create loan listings for up to $25,000 and set the maximum rate they are willing to pay a lender. Then the auction begins as people who lend bid down the interest rate. Once the auction ends, Prosper takes the bids with the lowest rates and combines them into one simple loan. Prosper handles all on-going loan administration tasks including loan repayment and collections on behalf of the matched borrower and lenders.

Prosper’s rigid privacy policy reflects co-founder and Chief Executive Officer Chris Larsen’s longstanding history as an advocate of stringent consumer financial privacy protection laws and practices. Prosper does not sell, rent, or share members’ personal information with third party marketers. Prosper members are in control of how much personal information—if any—is revealed on the website and with other members. Prosper’s security and identity verification systems are state of the art, and consistent with those used by banks, brokerages and institutional creditors.

Prosper generates revenue by collecting a one-time 1% or 2% fee on funded loans from borrowers, and assessing a 0.5% or 1% per annum loan servicing fee to lenders. Backed by Accel Partners, Benchmark Capital, DAG Ventures, Fidelity Ventures, Meritech Capital Partners, and Omidyar Network, Prosper has raised $40 million. Prosper’s marketplace platform is patent pending.

Contacting Prosper:

Prosper Marketplace, Inc.
111 Sutter Street, 22nd Floor
San Francisco, CA 94104

Email us: Send an email
Call us: 1-800-208-0103 (Weekdays 9-6 PT)