Category: Factoring

Accelerate cash flow for your business.

Hidden Traps to Success

Hidden Traps to Success

The naive believes everything: but a wise man looks well to a matter. – Proverbs 14:15

Solomon reveals that a similar kind of trap in your personal or professional life can have

an equally devastating effect. What is the name of that hidden trap? Naiveté. And it can

ambush anyone, regardless of their intelligence, education, financial success, or personal

achievements.

Naiveté and IQ

Naiveté has less to do with intelligence and more to do with the way a person approaches

individual situations and life in general. A naive person tends to oversimplify a situation

and thereby fails to see critical factors that may significantly affect an outcome.

Solomon describes a person as naive when he or she doesn’t “look well into a matter”

before choosing a course of action.

Oversimplification – In Proverbs 1:22, Solomon chides, “How long, O naive ones, will

you love simplicity?” Important decisions are never simple. Dig deeper.

Presumption In Proverbs 27:1, Solomon warns, “Do not boast about tomorrow for you

do not know what a day may bring forth.”

Misplaced Trust – We often put more trust than we should in people whom we don’t

know well. More often than not, people are less capable, less experienced, less competent,

and less honest than they seem to be. People always put their best foot forward, and we

usually make judgments of them in a matter of minutes or seconds.

Superficial Appearances – Our response to a person or a situation is often based entirely

upon appearances. A person may be charismatic or extremely personable, or a business

opportunity may appear extraordinary at first glance. But appearances almost never tell

enough of the story to base any important decision upon.

Laziness – Our natural inclination is to do as little as possible to get what we want. The

same is true in the decision-making process. “Looking well into a matter” requires a lot

more effort and creativity than simply accepting a statement or person at face value.

Haste – When we are in a hurry to make a decision, we will usually make it without

taking enough time to look into the matter thoroughly. In Proverbs 21:5, Solomon warns,

“But everyone who is hasty comes surely to poverty.”

Narrow Vision – More often than not, our vision is far too limited to make the best

decision based only on our own knowledge and experience. Solomon cautions in

Proverbs 15:22, “Without counsel plans are frustrated, but with many counselors they

succeed.”

Integrity – Honest people never think of lying, stealing, or defrauding someone of their

life savings. Such thoughts are so foreign to their character they can’t imagine anyone

else doing such things to them.

Greed – Wrong motives for making a decision can lead you to detrimental circumstances.

Arrogance – Arrogant people often think they’re smarter than everyone else. They don’t

feel they need to seek outside counsel or perform due diligence—they already know what

they need to know. Solomon said, “Pride goes before destruction, and an arrogant spirit

before a fall.” (Proverbs 16:18)

Wrong Priorities – Sometimes a person chooses not to look in depth into a matter before

making an important decision, because they don’t think due diligence is that important.

The Solution

Diligence is like a giant floodlight: turn it on, and naiveté’s darkness disappears.

Look well into a matter before making any important decision. If a person is truly honest,

they will respect your thoroughness and welcome any due-diligence efforts you

undertake.

Don’t Be Naive When It Comes to Making Wrong Choices

In Proverbs 22:3, Solomon warns us, “The prudent sees the evil and hides himself, But

the naive go on, and are punished for it.”

Most people rarely find themselves in unethical or illegal situations by surprise. Usually,

they see a red or yellow flag or two first. At that point, they have a choice. Solomon tells

us that a wise man will turn away. Those who are naive, however, see the red flag, feel a

twinge in their conscience, and then choose to keep moving in the same direction.

“There Is a Way That Seems Right . . .”

In Proverbs 14:12, he says, “There is a way that seems right to a man, but in the end it

leads to death.” Diligently looking into a matter will ensure that doesn’t happen.

How to Make Wise Choices

Choose to Look Well into Matters.

Seek Outside Counsel – Over and over again in Proverbs, Solomon cautions us to seek

outside counsel. His advice is clear, his wisdom undeniable. Follow it.

Choose Your Friends and Associates Wisely – In Proverbs 13:20, Solomon writes, “He

that walks with wise men shall become wise. But a companion of fools shall be

destroyed.”

But you should be careful about whom you partner with or attach yourself to in any

significant way. Look at a person’s wisdom and integrity. Be sensitive to any red flags

that would warn you of dishonesty. Look at what their priorities are and how they order

their lives. How do they treat their parents, spouse, siblings, or children? What do they

value most? Don’t let yourself become the companion of fools.

Being Prudent Is a Choice You Must Make Every Day

Being prudent is a decision that needs to be made every time you face an important

decision in any area of your life. Whether you are facing a business decision, a financial

decision, or a personal decision, choose first to “look well into the matter.”

“Who do you want to hitch your wagon to? Someone who HAS been paid, or someone who THINKS they will be paid?”

Joseph P. Tufo
CASH FLOW SPECIALISTS, INC.
Alamo California (San Francisco Bay Area)
925-522-0700 Direct 800-669-2700 USA Only
jptufo@gmail.com
joe@joetufo.com
http://www.cashflowspecialistsinc.com
http://www.workingcapitalfast.com

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Skype: jptufo
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Private Client Services $200k to $500m+, Project Funding, Asset Monetization, FIIC, and Business Consulting

Providing Honest Answers in a Timely Manner No Matter How Difficult the Situation.

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Tags $100 million+, Alternative Investments, asset management, Asset Monetization, baby boomers, Banking, Bridge Loan, commercial loans, Financial Planning, Managed Money, Money Available, Project Funding, real estate loan, retirement

Business Lines Of Credit Factoring In The News Large Projects Money Available Preparation Private Placement Programs Trade Programs

Lessons Learned: The Good, The Bad, and The Ugly; Questions to Ask Traders, Private Client Programs $5k to $50m, Lines and Credit and More 20100918

Lessons Learned: The Good, The Bad, and The Ugly; Questions to Ask Traders, Private Client Programs $5k to $50m, Lines and Credit and More 20100918

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This is a compilation of everything that occurred in our office for the week. It’s an opportunity for you to see what we learned.

We’re pretty good at what we do but we’re far from perfect. You’ll learn that our clients and funding providers are far from perfect too. Hopefully we’ll all learn some lessons on how to do business better.

We’re looking for “Clients for Life.” If you’re looking for a trustworthy, hard working Capital and Cash Flow Specialist perhaps we can do business. With 33+ years of financial services experience (November 1976 to present) we may be uniquely qualified to serve you and those whom you choose to refer.

Continue reading “Lessons Learned: The Good, The Bad, and The Ugly; Questions to Ask Traders, Private Client Programs k to m, Lines and Credit and More 20100918”

Asset Monetization Bank Instruments Business Lines Of Credit Collateral Instruments Factoring In The News Large Projects Money Available Newsletters Preparation Private Placement Programs Proof of Funds Real Estate Projects Referral Partners Trade Programs

Lessons Learned: The Good, The Bad, and The Ugly; How To Get Funded, Christmas In July, Asset Monetization, Trade Programs, Startling Revelations, Testimonials, and More 20100724

Lessons Learned: The Good, The Bad, and The Ugly; How To Get Funded, Christmas In July, Asset Monetization, Trade Programs, Startling Revelations, Testimonials, and More 20100724

God has blessed us exceedingly, abundantly with Bonnie and the children’s visit over the past 43 days. I pray for reconciliation and remarriage. Bonnie and I were married for 34+ years. We were childhood sweethearts. She has been “the love of my life” for more than 40 years.

Weather has been great here in the beautiful San Francisco Bay Area. Temperatures will be in the low 90′s today with our low humidity and constant breeze.

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I have learned over the years that the Three Chief Character Qualities to obtain funding and participate in Trade Programs are to be: Personable, Humble and Respectful.

The moral is that if you haven’t been accepted you may want to take a hard look at yourself and how you come across to those that are trying to help you.

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Our best current trade for those $1m-$50m may be Eric’s “Have It Your Way” program. Details are further down.

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For those looking for Business Lines of Credit and Large Project Funding we are offering our “Christmas in July” $10,000 per project fee instead of the normal $30,000 fee. This offer expires Saturday July 31^st at midnight. We go by the Google date stamp.

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We have two clients funding this month for the Monster Corporations.

If you need funding this is a guaranteed program.

Remember that we have reliable, trustworthy Proof of Funds Providers

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This came in Thursday, July 22^nd:

Thank you Joe.

It was great speaking with you earlier. Hope we can meet soon.

I will copy the docs I spoke of earlier off of my laptop and email them to you. I appreciate your concern, your experience and your willingness to help.

I look forward to working with you.

God bless you.

Marty

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A note to Victor a commercial HVAC contractor whom I’ve known for a couple of years in the Inland Empire of CA:

Victor,

I’ve known Tobi for a few years. I sent her your A/R Aging Report. She is sending a Term Sheet. You should seriously consider doing business to improve your cash flow.

Thank you Joe, that’s why I do business with you.

Victor

This came in from Tobi.

Tobi is offering a 70% advance on invoices under 60 days old and a 3% discount rate. That means if you submit $100,000 in invoices she’ll advance $70,000. She’s charging 3% to collect so if it takes her 60 days to collect you’ll receive $94,000 for every $100,000 and that will improve your cash flow greatly.

70% of eligible gross receivables (up to 60 days old) The collection period as set forth below shall be determined by the number of days that elapse from the day when moneys are advanced from QCF until the day when QCF’s full advance and fees are received back in full from the account debtor(s). Upon payment by your customer[s] to QCF, we deduct the amount advanced from the proceeds, deduct our discount fee, and rebate the difference back to you. 1-30 days 3% on face of invoices plus an additional 1.5% for each 15-day period thereafter The proposal outlined herein is subject to the review and verification of all previously or hereinafter requested documentation and/or other information relating to CLIENT and their subject transactions, account debtors and invoices.

QCF’s acceptance may be withheld at the sole discretion of QCF for any reason or for no reason. A one-time, non-refundable fee of $500 First security interest in all receivables of CLIENT and a blanket security in all other assets of CLIENT. Non-recourse All payment for factored accounts are to be mailed directly and solely to QCF.

CLIENT should advise customers of such. Invoices are purchased on a notification and verification basis. We notify your clients that we are purchasing the invoices and verify in writing that either the work being billed for has been completed and accepted, goods have been received and accepted, or service has been rendered and that they will remit payment directly to QCF.

A sample of that letter is attached for you to show to your project managers (particularly Wells Fargo) to make sure they will be able to sign once we submit your invoices to them. Provided you find the nature of the financing proposal summarized below to be acceptable to you, then QCF will need to perform further due diligence on your company to ascertain that we can, indeed,

If the terms and conditions described herein are acceptable, please indicate by signing below and returning this signed proposal with the documents listed on the following pages and the due diligence Thank you and we look forward to working closely with you.

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I just watched a video and am frankly blown away.

The video was a one-on-one “chat” where self-made billionaire Bill Bartmann (formerly #25 on Forbes list of wealthiest Americans) shared his #1 secret for making money during a “bad” economy, like we have today.

His method is absolutely brilliant (and not what you think) – you can check it out yourself at… www.BillsOffer.com/Video/A16961

I think part of the reason I’m blown away is that it really dawned on me that Bill made his fortune not because he was so brilliant (he was a high-school dropout) but rather because he spit in the eye of “conventional wisdom.”

At the time EVERYONE thought he was stupid. A few billion dollars later, I think he got the last laugh.

Judge for yourself and let me know what you think — www.BillsOffer.com/Video/A16961 Enjoy!

P.S. Before you watch the “Bailout Billionaire’s” #1 secret to making money during a “bad” economy video, try to guess what you think it is. I’ll bet you’ll be surprised he made a few billion this way!

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A momentous event just occurred Wednesday July 21^st::

For the first time in many years, the Chairman of the Federal Reserve went before Congress, set aside his glasses, dispensed with most of his sugar-coated platitudes and made some hard-hitting statements about the U.S. economy.

Bernanke on jobs:

“This is the worst labor market since the Great Depression.”

Bernanke on housing:

“The market remains weak, with the overhang of vacant or foreclosed houses is weighing on home prices and construction.”

Bernanke on fears about the future:

“Most … viewed uncertainty about the outlook for growth and unemployment as greater than normal, and the majority saw the risks to growth as weighted to the downside.”

Bernanke on tight credit for small businesses:

“Bank loans outstanding have continued to contract. Small businesses, which depend importantly on bank credit, have been particularly hard hit.”

And never forget: All this is coming from a man whose job invariably makes him extremely reluctant to admit to negative trends in any sector at any time — if Bernanke is saying things are bad, you can bet your last dollar they’re actually far worse.

For my recommendations on what to do to secure your portfolio, become a CFSI subscriber and I’ll send you the latest newsletter so you can protect yourself from the next round of falling assets…

———————————–

With the economy preparing for that next fall, you need to stay on top of your game and manage your “OWN Finances.”

Become a CFSI subscriber now and you’ll be sure that we make sure you stay on top of your Financial Future to make sure your BUSINESS … AT HOME is protected. Remember…most people look after their bosses business, but fail to look after their own Business At home.

Take advantage of our 2010 discount offer if you are not yet a member of the CFSI paid newsletter service and you’ll be on your way to knowing how to protect your portfolio…at least what’s left of it. I’ll keep you informed on the “REAL DEAL” in our economy so you can protect your wealth. So….Sign up today!!!

To become a member of the CFSI www.joetufo.com/blog newsletter subscription, send an e-mail to joe@joetufo.com and/or visit our website at http://www.joetufo.com/blog and click on the “Products & Services” link and we’ll get you signed up right away.

This is so important that you have this information that by signing up at $97.00 a month we’ll give you two years for the price of one. For those that are really serious I’ll give you a Lifetime Subscription for $997.00

You’ll have instant access to more than 3,000 pages of power packed content with access to all the archived newsletters and there are 15 months and counting.

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This came in Thursday July 15^th:

NOTE

THE MINIMUM VALUE IS $400M AT THIS TIME

NCC does not have the time to filter all information due to our high volume of submissions sent by each broker or principal(s). In an effort to streamline the review process for these projects, this is the way we NEED to receive information. Failure to follow submission procedures will result in delays.

Please encapsulate the project summary in a short narrative in simple terms as to the details of the transaction.

Attach all pertinent information including the borrower information so we can setup conference calls.

NCC may choose to do a conference call with the broker(s) and principal(s) after which NCC and Partners will be in direct contact with the principal(s). NCC will keep all parties and intermediaries updated and informed.

Please put the name of the Entity/Owner/Asset in the EMAIL SUBJECT AREA, and please be consistent when emailing to refer the name of the project in the email subject area. Please submitonly one project per email. Please DO NOT piece mail each doc. Multiple emails for file delivery for the same project is fine up to email capacity (10MB), please note part 1 of 2 etc…

The NCC Business Development will NOT go to WEB SITES and LINKS to build a package.

OUT OF GROUND ASSETS

Get as much as possible as to all that applies.

Can monetize up to 90%LTV

The $ can then be placed into My Trade Platforms.

Send at the same time, do not piece mail.

*REQUIRED INFORMATION FOR OUT-OF-GROUND ASSETS

Precious Metals-Gold/Silver/Ore, etc. Precious Stones, Gems, Rubies Emeralds, Diamonds, Sapphire, Rare Coins MuseumQuality Antiques & Art works.

(PLEASE PUT THE LAST NAME OF OWNER OR FUNDING ENTITY AND ASSET IN THE E MAIL SUBJECT HEADING

SKR’S- IF AVAILABLE

INSURANCE-IF AVAILABLE

FULL COPY OF THE POLICY IF ASSET HAS INSURANCE WRAP

APPRAISAL FROM A CERTIFIED/REGISTERED GEMOLOGIST NOT LESS THAN 90 DAYS OLD IF POSSIBLE.

(GIA CERT)

PICTURES OF THE STONES/GOLD/ASSETS ETC.

FINANCIAL STATEMENT/NET WORTH FORM-PERSONAL & BUSINESS

WHERE THEY ARE HELD

HOW THEY ARE HELD

PROOF OF OWNERSHIP

CIS FORM

PASSPORT

EXECUTIVE SUMMARY;

USE OF FUNDS

EXIT STRATEGY

CONTRACTS

OFF TAKES

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This came in Thursday July 15^th at about 3:45PM:

Hi Team,

Wow !!! Big statement, how is it possible to have a guaranteed trade ??? Sounds too good to be true ??? a little history is required…

Things have been pretty crazy since the start of this year, many broken trades… many trades where the trader has STOLEN the profits only to tell the client… “Oh, I’m sorry your trade never started, here is your principal back (after 5 months!)” (mostly a lie where the profits are just stolen). Banks STEALING the profits (not the principal) and the commissions for the Intermediaries ! (hows that for greed). Or paying the client one payment a month instead of one payment a week ! How about paying the intermediaries one or two payments then STEALING the rest of the money!

Many SCAMS have been run on clients from the trader to the banks! The clients principal has remained safe but little to no profits. THE TRUTH IS THE BANKS ARE THE BIGGEST THIEVES ON THE PLANET. This economy has the banks acting like the MAFIA ! Big banks too, the CEO of HSBC London had a choice to go to jail or become the CEO of HSBC Hong Kong… guess which one he picked ?

OK NOW WITH THE HISTORY LESSON OUT OF THE WAY LETS TALK ABOUT HOW TO DO THIS THE CORRECT WAY…

1. Getting GUARANTEED returns in writing.

2. Protection on the entire return, 40 weeks or 80 weeks or whatever.

3. Protection for the Intermediaries to be sure they get all there profit participation.

HOW IS IT POSSIBLE TO DO THIS ? ITS VERY SIMPLE… HIRE A TRADE LAWYER TO WATCH OVER THE BANK !!!

OK here is how this works… I HAVE ONE OF THE WORLDS LARGEST TRADERS WHO HAS JUST SET THIS UP FOR THREE OF MY TRADES AND ALL THREE ARE WORKING LIKE A CHARM! SO IT WAS TIME TO SHARE THE GOOD NEWS…

THEY HAVE A LAW FIRM IN EUROPE WHO SPECIALIZES IN PPP TRADE LAW (trust me this is a very special area of the Law) THIS LAW FIRM REPRESENTS BANKS AND TRADERS AND IS A FIRM THAT DOES NOT TAKE WALK IN CLIENTS. TO BE ABLE TO GET AN APPOINTMENT TO SEE SOMEONE AT THIS FIRM YOU NEED TO BE REFERRED BY A CURRENT CLIENT, NO EXCEPTIONS !!!

THIS IS VERY SIMPLE, IF YOU HAVE A CLIENT WHO HAS 100M OR MORE OF CASH OR ASSETS. WANTS TO GO TO TRADE AND HAVE A SUCCESSFUL GUARANTEED RESULT, IN WRITING !!! THE CLIENT MUST RETAIN THESE LAWYERS TO REPRESENT THEM IN THE TRADE WITH THE BANKS. THE RETAINER IS $100,000 EUROS. THE TRADER WILL REIMBURSE THEM THIS FEE AFTER THE TRADE STARTS. THAT’S IT ! SIMPLE ! THIS IS WORKING NOW AND IS VERY PROFESSIONAL AND OF A VERY HIGH QUALITY OF TRADE AND HIGH QUALITY OF PEOPLE INVOLVED. THE BANKS FEAR THESE LAWYERS AND EVERY TRADE THEY ARE INVOLVED WITH PAYS OUT JUST LIKE THE CONTRACT SAYS… IMAGINE THAT !

THIS TRADE WILL TAKE HERITAGE FUNDS TO TRADE OR GOLD OR CASH. AS LONG AS THE CLIENT CAN PAY THE RETAINER WE CAN GET IT DONE. AFTER THE COMPLIANCE PACKAGE IS SUBMITTED AND APPROVED THE CLIENT WILL BE INVITED TO FLY TO EUROPE AND MEET WITH THESE LAWYERS FACE TO FACE AND FIND OUT THE TRUTH OF HOW TO BE IN A SUCCESSFUL TRADE. IF A CLIENT HAS A $100 MILLION OR MORE AND WONT SPEND 3 DAYS WORTH OF BANK INTEREST ON THERE MONEY TO HIRE THESE GUYS, ITS PROBABLY NOT THEIR MONEY !!!

Thanks,

Chris

“Most great people have

attained their greatest success

just one step beyond

their greatest failure.”

– Napoleon Hill

This communication may contain privileged and/or confidential information. It is intended solely for the use of the addressee. If you are not the intended recipient, you are strictly prohibited from disclosing, copying, distributing, or using any of this information. This email is not a solicitation of investment funds or a securities offering. If you received this communication in error, please contact the sender immediately and destroy the material in its entirety, whether electronic or hard copy. This communication may contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or redisclose such information for any purpose other than to provide the services for which you are receiving the information NCC is not a Certified Financial Advisor, Securities Broker and/or a Stock Broker. We are a Banking, Financial, Business consultant who provides advice to private individuals on or about business matters. If you have received this email in error, please notify us by return email and delete record from your computers. The information presented is not in any way considered or intended to be a solicitation of funds and is intended only as general knowledge. Understand that the contemplated transaction is strictly private and in no way relates to the United States Securities Act of 1933 (the “Act”)or related regulations and does not involve the sale of registered securities. This transaction is private and exempt from the Act. If you are not the intended recipient, please be aware that any disclosure, photocopying, distribution, or use of the contents of this information is prohibited. Thank you.

IMPORTANT NOTICE: This electronic communication is covered by the Electronic Communications Privacy Act of 1986, Codified at 18 U.S.C 1367,2510-2521, 2701-2710, 3121-3126.
Also see: http://www.ftc.gov/privacy/glbact/glbsub1.htm Gramm-Leach-Bliley Act 15 USC, Subchapter1, Sec. 6801-6809

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This came in Thursday July 15^th:

July 15th , 2010

Ladies and Gentlemen:

The platform got out of the gate strong and we know you’re all elated to see the level of returns thus far. However, we are in need of everyone’s assistance and support. We received notification from the platform’s management they have received a large volume of calls asking for profits, daily status and what the traders are trading throughout the month. This is unacceptable and will cause significant damage to our ongoing relationship.

This is not a retail managed Trade Platform we cannot afford to continue in this manner. Subsequently, we have been asked to assist in limiting the amount of calls and emails to the trade platform’s support team. MBAH can provide the best level of support to you and we are willing to answer questions, if we do not know the answers we will get the answers.

We also received notification from the Platform all requested redemptions/profits have been processed, the wires sent and confirmed for those who’ve requested the profits from your accounts. There is no need to send multiple requests. The trade platform support team will respond in writing once your request has been acknowledge and processed within 24 hours.

Your statements are available after your account has been settled for the calendar month’s trading activity.

Please do not expect these the very next day after the close of the month. In addition, those clients who need to fund projects must realize the platform is dependent on the power of compounding in achieving investment goals. Withdrawals of profits prior to the funds lock up period put undue strain on the trading, leverage and margining to accomplish each client’s goal.

Also, it is important that everyone understand the offering you received and in which you are currently participating is unique in structure; the fund is not structured to take on individual clients with participation at such low levels.

In regards to bring others we respectfully ask that you refer the clients to us in lieu of trying to structure the business directly with the platform.

The platform will simply not ascertain clients under $25,000,000, which is why MBAH brings clients in aggregate to fill the offering.

The same protocol must be followed with each and every one of you went through to qualify and receive an offering.

We are available to meet with the new people you are attempting to bring, the same as we’ve done for you.

We expect everyone to adhere to the terms that were set forth between you, the client, MB Assets and the platform. We appreciate your continued support.

On behalf of MBAH

Kindest Regards,

Robert Mxxxxx Senior Director

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I share this information purely for educational purposes and based on my own personal study and experience. You should conduct your own personal due diligence.

DISCLAIMER: Sender is not a United States Securities Dealer, Broker or US Investment Advisor. This electronic transmission and or attached documents are not to be considered a solicitation for any purpose in any form or content, nor an offer to sell and/or buy securities. Merely describing the details of an existing private placement program does not constitute an offer or solicitation of any kind and, if presented, is done so as a request for information. This transmission may contain privileged and/or confidential information and is intended solely for the use of the addressee. Upon receipt of these documents, you as the recipient, acknowledge this disclaimer and warnings herein. By reading beyond this point, you agree, acknowledge and accept that this is a privileged, proprietary and confidential communication and you agree to keep it private. Interception of e-mail is a crime under the Electronic Communication Privacy Act, 18 U.S.C. 2510-2521 and 2701-2709. If you have received this transmission in error, please notify me by reply e-mail at joe@joetufo.com and destroy the original transmission and its attachment(s) without reading them, or saving them to disk. Thank you for your cooperation in this matter.

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Have you ever wondered how mutual fund company managers can afford their Gulfstream jets, trips to Martha’s Vineyard in their private yachts, Manhattan condos or African safaris?

Check out the mountain of fees they charge on every single dollar you invest, and you’ll see how:

Management Fees
12b-1 Distribution Fees
Administrative Fees
Sales Loads
Exchange Fees

These fees add up quickly, too. For instance, $5,750 could quietly get ripped out of your wallet in the blink of an eye on a $100,000 mutual fund investment!

It’s time for you to take control and consider our trade programs: even our Ultra-Conservative offshore (they’re all offshore) Chris P program yields 10% each month and pays out 30% a quarter more than double your best consistent mutual fund company pays out in a year.

If you place $100,000 at 10% a month and don’t spend any of the gain in one year you’ll have $220,000. Did you know that?

If you place $250,000 at 10% a month and don’t spend any of the gain in one year you’ll have $550,000. Did you know that?

If you place $500,000 at 10% a month and don’t spend any of the gain in one year you’ll have $1,100,000. Did you know that?

If you place $1,000,000 at 10% a month and don’t spend any of the gain in one year you’ll have $2,200,000. Did you know that?

If you place $2,500,000 at 10% a month and don’t spend any of the gain in one year you’ll have $5,550,000. Did you know that?

If you place $5,000,000 at 10% a month and don’t spend any of the gain in one year you’ll have $11,000,000. Did you know that?

Imagine what you’ll have after five, 10, 15, or 20 years?

Imagine the money that you’ll have to fund your dreams?

Call me and let’s discuss your future.

Here’s a letter that I’m working on…

Dear Investor,

Wall Street mutual fund managers don’t want you to read this!

I’m not kidding. They’re worried that if you learn about their business, something very bad will happen.

And they’re right …

You’ll start pulling your retirement money out of their overpriced mutual funds. And that won’t go over too well with the Wall Street crowd.

Why?

For starters, mutual fund companies and managers will have to sell their Gulfstream jets — and fly commercial! Gone will be the days when fund managers sail to Martha’s Vineyard in their private yachts. Forget about the Manhattan condo. Or the African safaris. They may even have to settle for the Cheesecake Factory instead of $150 midtown lunches.

That seems extreme, but it’s true. I should know — I was a Top Producer at a mutual fund for 13 years. And here’s the inside scoop …

How Mutual Fund Companies Gouge Customers

Have you ever thought about how mutual fund companies fund those lavish lifestyles?

Hint: It’s not always through government bailouts!

Check out the fees mutual funds charge you without even batting an eye:

Management Fees: 0.5%-1.0%. Helps fund managers to keep their private boats.
12b-1 Distribution Fees: 0.25% – 1.0%. Advertising fees designed for attracting new suckers.
Administrative Fees: 0.20% – 0.40%. Someone’s gotta pay for the company coffee shop.
Sales Loads: 3.0% – 5.75%. For the ‘privilege’ of letting you buy their mutual fund.
Exchange Fees: Additional fees you incur when you switch out funds.

That means a $100,000 mutual fund deposit can tumble to $94,250 on the very first day. You read that right — $5,750 quietly ripped out of your wallet in the blink of an eye! I believe ‘highway robbery’ is too nice a term for that kind of theft!

And the saddest part: This loss is completely unnecessary …

That’s because if you leave a mutual fund and place your funds in one of our programs, instead of paying blown up expenses, you’re getting to keep a whole lot more of your money working for you.

The Investments that Mutual Fund Managers
Do NOT Want You to Discover …

The other funds are offshore trade programs.

If you switch out of mutual funds and into offshore trade programs, you will immediately start earning better returns with minimized risk: once you complete a Customer Information Sheet (CIS), supply a copy of your Passport, and a Proof of Funds not more than seven business days old I’ll personally introduce you to the manager of the Trade Program.

As those returns pile up, they’ll compound to give you more profits every year.

I want to show you the secrets of offshore trade programs and why they can blow-away any mutual fund. And better yet, there’s a good chance you’ll stay with offshore trade programs, making you even more money for your retirement.

Did you know mutual fund assets now stand a $10.7 trillion? Tack on the 1.26% average yearly fees that mutual funds get from investors, and you’re looking at $134.8 billion of industry revenue.

A heap of money, indeed. But now you can see how those guys buy their yachts and why they don’t want me to reveal their dirty little secrets to you.

However, investors are waking up to the enormous losses they get smacked with every year by staying with mutual funds. Pointless, avoidable losses.

That’s why offshore trade programs have exploded to Trillions today. Smart investors are asking a crucial question regarding their financial wellbeing …

“Why buy an outdated, top-heavy investment like a mutual fund in 2010?”

My answer:

“No reason whatsoever!”

Offshore trade programs are collections of commodities, futures, bonds, or other investments. They often invest in gold bullion, commodities, futures, or MTN’s. Whatever you can think about investing in, there’s probably an offshore trade program to do it for you.

You see, offshore trade programs are the financial tools that the wealthy and privileged have used to exponentially increase their fortunes since the 1940′s.

Without the enormous disadvantages of Mutual Funds they have quietly watched their personal fortunes soar while you and I have been lulled into believing that Mutual Funds were the best way for us to invest our hard earned money.

You don’t have to chuck away your hard-earned savings with the usual 1%-3% fees and expenses every year. With offshore trade programs, you get significantly better results with decreased risk.

Just think about what you could do with the annual savings you’d get by switching from mutual funds to offshore trade programs! Get your spouse something nice or take the family on a holiday vacation to the mountains. Whatever the dream, offshore trade programs can help.

Even better, offshore trade programs provide up-to-the minute access. You don’t have to wait for end of day pricing like mutual funds. You know exactly how hard your money will work for you— completely unlike mutual funds.

Look, I bought my first stock in 1966. I’ve worked in professional investments as a mutual fund representative, a private placement representative, an oil & gas fund representative, and a syndicated real estate representative and nearly everything in between, and I’ve reached one inescapable conclusion:

Nothing compares to the investment power of offshore trade programs …
As long as you know how to use them properly!

The uniqueness and supremacy of today’s offshore trade programs are stark compared to out-of-date mutual funds. And so far, I’ve only scratched the surface of how offshore trade programs can put more of your money to work for you.

There are, however significant risks if you get involved with the wrong offshore trade programs, or use these powerful investments in the wrong ways.

Keep in mind mutual fund managers have a vested interest in making offshore trade programs as mysterious as possible. With tens of billions of dollars of yearly profits at stake, they can afford some diversionary tactics in the press.

Therefore, you must get the best information possible before investing in offshore trade programs!

At least twice a week on Wednesday and Saturday I report what I’ve learned and what’s available now.

Once you complete a Customer Information Sheet (CIS), supply a copy of your Passport, and a Proof of Funds not more than seven business days old I’ll personally introduce you to the manager of the Trade Program.

Remember that you can start with as little as $5,000 and generate yields of 4% a month and be paid 12% per quarter. There is no limit on the amount that you place and you may be vetted for more than one program.

I’m available 7AM to 5PM M-F Pacific at 925-352-6000 which is my cell phone. You can email me at joe@joetufo.com and contact me at Skype at jptufo

Remember that to have archival access to everything that I’ve written visithttp://www.joetufo.com/blog and access our private subscription only website.

You’ll have instant access to more than 3,000 pages of power packed content with access to all the archived newsletters and there are 15 months and counting.
____________________________________________________________

This came in Friday July 9^th at about 3PM:

Funding source for gov projects overseas

[2:55:45 PM] Kurt W:

1. Project must have govt support

2. Must have a good project summary, with projections, etc.

3. Must have a connection to the central bank of the host country

4. The central bank must confirm that they are willing and able to receive funds on behalf of the specific project.

5. These are grant funds and may be monitored.

6. There are no application costs or other front money.

To engage:Provide CIS, Passport, Executive summary, any govt approval letters if they have any, and banker contact information. Once the central banker confirms that they will receive funds on behalf of the project, the project will go to contract and funding.

The goal is to have all funds disbursed prior to September.
the client has to have a relationship with the major bank in their projects country

_________________________________________________________________________

Please remember Priority/Non-Priority: Kurt’s program has no fees but we do.

__________________________________________________________________________

We had someone vetted for $1m Saturday July 10th. They recanted. Here’s my email to them.

We were not told that you were looking for a grant, loan or equity.

Trade programs are a tool to fund projects that have humanitarian benefits and have been in existence since the mid 1940′s. The returns may allow you to fund your project on a self-liquidating basis.

I wish you the very best of success.

This person would have earned $5,400,000 net this month on their $1,000,000 and 15% a month until the next bullet trade.
_________________________________________________________________________

I had a lengthy conversation with an experienced San Francisco Bay Area financial services professional whom I have known for some time.

He has access to a 6:1 Bullet Program, that nets the client 5.4:1 after fees. This is great for business people who have a viable project or need a credit line and have been shut down by the banks.

We have one client accepted for $1.8m, and others in vetting with $1m or more. The last that I knew there was $24m left to subscribe. This pays 15% a month with two to three bullets a year. The Traders have been in business for 17 years. We vetted the first client in five days including the 4^th of July holiday.

Here’s how it works:

You complete his Client Information Sheet (CIS), you furnish a color scan passport that’s been enlarged 150%, and you supply a bank statement all pages not more than seven business days old.

He will vet you in a couple of days.

Your $1m will need to be in a separate savings account at your bank.

Funds Stay In Account

FUNDS are Not Moved, Pledged, Liened, Encumbered, Blocked, or Hypothecated and No Other Signature is Added

Client shows min. $1,000,000. POF is all that is required.-SHOW MONEY- Client receives ($Funds) X per month as per contract for one year, net of intermediaries commissions. Client can talk direct to trader, and trader then issues contract to client to specify pay-out.

Your $1m grows to $6m and then is placed in a monthly trade that pays 15% a month ($900,000). The minimum for the trade is $1m (if you have smaller amounts call me). At $750m the trade launches.

If this is of interest call me at 925-691-8200 7AM to 5PM M-F Pacific.
This came in Wednesday July 7, 2010 in the evening from the Program Manager:

Thanks. Good work.

When you talk with all of these clients, remember to tell them that we ONLY need our documents completed, plus the current POF, plus the color Passport.

Please ensure they don’t put “icing” on the cake. By this I mean, we don’t need anything else like attestation letters, non-solicitation letters, authorization to verify, origin of funds, etc. We can’t accept any of these added documents. They only cloud the file and make it difficult for us to not print the file when we send to the bank. This is a lot more work for us as we receive files every day. besides, the bank will simply deny the applicant and move on to the next file etc. Thanks for you help on this. Also, make sure they put down the best number to reach them on and the best time to contact them Pacific Standard Time.

So our CIS, POF, and Passport only. anything else, tell them to just keep it. The CIS gives us all the information we need and it is, in itself, an authorization to verify. We can see the origin of funds from the bank account. And the non-solicitation issue is understood because everyone knows each other here. Solicitation is an issue only when you blast out in a mass email to people and businesses you don’t have relationships, or advertise in a public medium etc.

There is your trading education 101 course for the day.

The 750K (and anything less than 1m) will be 10% per month until they reach the 1m mark, at which time I will open an acct up for them to participate on their own.

I have to do a lot of work and won’t receive 15% on their funds. So the 250K and 750K will receive 10% per month. They can not participate in the table top as well, unless I can somehow allow them to participate with me. If they can, they will be compensated.

If he waits till Labor Day, he risks not being able to participate at all as we never know when the bank will shut down the program for incoming clients. Once in, however, he can always add funds later, as well as build toward the 1m through accumulated returns in his acct.

Thank you.

It amazes me when someone places a million or more with a bank and earns 1%, 2%, 3% a year and when a trader who’ll return 15% a month a more doesn’t answer them immediately becomes disenchanted.

Some grew impatient with the program:

From Eric a member of the Trading Program:

It won’t open till we either reach 50m or the traders decide to go ahead
with what we have. Don’t worry, the clients aren’t going anywhere. We have
the best program in the world. By the time the client comes in, we verify
them, interview them, have them sign a confidentiality statement, interview
with the trader, go over trade options, open up their offshore entity if
they don’t have one, and then open up their acct, it will be two weeks
later. You need to tell the clients this is how long this takes.

Patience people!

From one member of a Trade Group. This came in Friday night, July 16^th:

Good work. I can’t tell you how much I appreciate your continued professionalism.

Thank you.

__________________________________________________________________________

This came in Friday from Dane whom I have known for a few years:

Would you like to have an opportunity to participate in a trade platform that manages money for some of the world’s richest people?

We have a new offering we are filling of Five Hundred Million Dollars. If you would like to try to try to if you qualify to participate, drop us a line today.

Documented Performance

Our platform can document past performance of double and triple digit returns.

Enhanced Leverage Trade Program
Our trade platform can offer you leverage on your investment. We can leverage cash investments up to ten times. An investment of One Million could be traded as Ten Million Dollars; Five Million could be traded as Fifty Million and so on.

Accepted Instruments

Our trade platform can accept $ US dollars, € Euro dollars as well as qualified U.S. Treasury; bonds, notes and T-bills.

We appreciate you thinking of us and we are always available to discuss offerings for clients who have the above listed cash and securities for us to work with. There should be no issue with obtaining lines of credit if the banks or lenders you are working with are willing to accept other types of assets or instruments.

Someone wanted to acquire MTN’s. Here’s a response from the Provider:

Any method of acceptance and delivery can be negotiated however we will need POF

It does not matter who the client is-they still have to provide documentation of Proof of Funds upfront before any further process.

Seasoned paper-we do not send ISIN/CUSIP Numbers OR LIST OF INSTRUMENTS over the net to an unknown entity or through intermediaries without first knowing who we are dealing with.

IF his buyer is very experienced than he should know that any receiving list over the net would be bogus

Send LOI with buyer’s procedures and POF. After review we can forward elements of the asset direct to the buyer.

We can do Proof Of Funds via Attorney and/or Compliance Officer with Bankers-Allocation Commitment Holders as per S.E.C./F.S.A. Compliance, Regulations – (Two (2) Banker signature SKR Letter) – Bank to Bank for further validation of funds, however we would need POF as an introduction.

This can be can be a Sanitized recent Bank Statement or Tear Sheet (White-out or Black-out account numbers).

Feel free to call my office anytime for clarity.

Gregory

ASSET MONETIZING

PAPER ASSETS/CMO’s/BOND’s/CD’s/TREASURIES/MTN’s/STOCKS/NOTES

Asset Monetizing Process & Procedures,

(No Bearer bonds)

NO CREDIT CHECK! NO INCOME DOCUMENTATION! NO APPRAISALS!

These loans can be a line of credit, or a margin line against the asset. For stock loans we have the ability to implement a synthetic hedge against margin calls at a nominal cost to the borrower. These loans can be 100% Non Recourse to the borrower. Loans can go as high as 95% of the value of the portfolio. It is important to note that we prefer to move all securities that are being considered for a loan to our investment banking relationships, this avoids many of the problems in inherent in these investments and allows us to get to funding much quicker.

Perfect for the borrower who does not want the lengthy unpredictable underwriting associated with a real estate loan.

REQUIREMENTS

Send over a copy of the Paper Assets;

CMO’s/BOND’s/CD’s/TREASURIES/MTN’s/STOCKS/NOTES

If available or send the CUSIP or ISIN Numbers. CIS Form (Request CIS Form & Recitals) and a Statement as to where the asset is held and how much of the asset the client owns.

We need a complete statement of the asset (who, where, how it’s held?)

A complete statement that shows the client’s info, how it was mailed, and the positions.

No internet statements.

The statement will come from the Bank or Institution for which it is held.

If it is not from a Bank or Institution we can not use it.

It also has to be on the Market with Liquidity and Trading value.

NO STATEMENT- NO DEAL

(PLEASE PUT THE LAST NAME OF OWNER OR FUNDING ENTITY AND ASSET IN THE E MAIL SUBJECT HEADING)

We will review and want the borrower on the phone ASAP, with the Underwriter and or Banker.

Our disclosures will be forwarded to the borrower – we need to know the fees that need to be included on the broker side.

A conference call with the client will be scheduled.

To further after the call we will request financials on the Borrower / Company.

We will send the application to the client.

NO UPFRONT FEES

FAST CLOSINGS 3 DAYS TO 1 WEEK

When the securities are transferred we will then work to monetize them with in 3 days for the account being opened,

This usually closes in a week.

TERMS

Loan against market value,

Up to 95% at 1.5% Interest Only over 90 Day LIBOR

NON-RECOURSE

30 YEARS

High Yield Collateral Enhancement Programs & JV/Debt

The proceeds from the Monetizing Process can then be placed into our High Yield Collateral Enhancement Programs for further monetizing and Take-Out of Loan, or can be used as the collateral for our JV/Bond, JV/Equity, or (SCLP) Program for further project Development.

Please put the last name of principal or funding entity in the subject heading and Type Of Asset and be consistent in all Emails.

This is how the deal will be filed.

For further details of the process please feel free to contact my office.

With Warmest Regards

Joe Tufo

Cash Flow Specialists, Inc.

joe@joetufo.com

(925) 691 8200 (O)

(925) 352 6000 (C)

This communication may contain privileged and/or confidential information. It is intended solely for the use of the addressee. If you are not the intended recipient, you are strictly prohibited from disclosing, copying, distributing, or using any of this information. This email is not a solicitation of investment funds or a securities offering. If you received this communication in error, please contact the sender immediately and destroy the material in its entirety, whether electronic or hard copy. This communication may contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or redisclose such information for any purpose other than to provide the services for which you are receiving the information CFSI is not a Certified Financial Advisor, Securities Broker and/or a Stock Broker. We are a Banking, Financial, Business consultant who provides advice to private individuals on or about business matters. If you have received this email in error, please notify us by return email and delete record from your computers. The information presented is not in any way considered or intended to be a solicitation of funds and is intended only as general knowledge. Understand that the contemplated transaction is strictly private and in no way relates to the United States Securities Act of 1933 (the “Act”)or related regulations and does not involve the sale of registered securities. This transaction is private and exempt from the Act. If you are not the intended recipient, please be aware that any disclosure, photocopying, distribution, or use of the contents of this information is prohibited. Thank you

IMPORTANT NOTICE: This electronic communication is covered by the Electronic Communications Privacy Act of 1986, Codified at 18 U.S.C 1367,2510-2521, 2701-2710, 3121-3126.
Also see: http://www.ftc.gov/privacy/glbact/glbsub1.htm Gramm-Leach-Bliley Act 15 USC, Subchapter1, Sec. 6801-6809

From Anthony:

US BANKS!!

CHASE, WELLS FARGO AND BANK OF AMERICA!

Explore the potential of leveraging our assets with the confidence created

Utilizing Top US Banks. Our asset partner program can assist you with your

Projects.

Highlights

· Up to 50 Million of assets available

· Bank Accounts opened as little as 72 hours

· Full Bank Statements

· Online Access to accounts for verification

· Personal Banker assigned to your account

· BCL upon request with additional costs

Procedures

1) Submit POF request letter

2) Provide Proof of Ability to pay

3) Review and execute agreement

4) Client fly’s down to L.A to meet

5) Formation of Corp/LLC with Asset Partner – 24 hours to complete

6) Setup bank account together for time period agreed upon

7) Asset Partner is primary on account, client is attached to Corp/LLC and Bank Account

8) Approx 48 hours to complete total process

9) Client’s funds will be released simultaneously once account is formed and authenticated.

Guidelines

1) Accounts are to be used for legal purposes only. We will not permit any transactions to facilitate the purchase of arms, drugs or terrorism.

2) No Trading Platforms (PPP) allowed

3) Funds will not be encumbered , liquated, transferred or pledged in any shape or form

4) Master account – cashed backed

5) Fees are due upfront.

WE NOW HAVE CONTRACTS OPEN FOR THE FOLLOWING BANKS

HSBC

CITIBANK

SCOTIA BANK

WELLS FARGO

JP MORGAN CHASE

Managed Buy-Sell

Programs Starting from $1MM +

FAST HIGH RETURNS

CAN BE USED FOR PROJECT FUNDING

Rolls and Extensions on Contracts

Your funds can work for you just by sitting in you bank account.

You have the option to participate in as many contracts available at the same time as you like.

Client is not limited to one contract. Multiple contracts are granted upon availability

GOLD COMMODITIES CONTRACT CURRICULUM

This is a Commodities Contract– Project is not necessary.

Safe-Secure-Fast- High Returns

$1,000,000 + PROGRAM

(HISTORICAL HIGHER RETURNS)

7 – 30 DAY ADMIN HOLD ONLY

(We can do an Internal Admin Hold BANK to BANK)

NOTE:

SUBMISSION PROCEDURES

LAST NAME OF CLIENT & FUNDING ENTITY IN SUBJECT HEADING

CIS form; Need Color Copy of Passport Enlarged 140%.

$(PROOF OF FUNDS) $

PROOF OF FUNDS– Proof-Of-Funds (POF) can be a Sanitized recent Bank Statement or Tear Sheet as an introduction.

(White-out or Black-out account numbers)

Or Standard, 2 Banker-Signed, SKR Letter from the depository bank works best: not a free form swift.

NCC may choose to do a conference call with the broker(s) and principal(s) after which NCC/Trade Partners will be in direct contact with the principal(s). NCC will keep all parties and intermediaries updated and informed.

Client shows min. $1,000,000. POF is all that is required.-SHOW MONEY- Client receives ($Funds) X per month as per contract for one year, net of intermarries commissions. Client can talk direct to trader, and trader then issues contract to client to specify pay-out.

Funds Stay In Account

FUNDS are Not Moved, Pledged, Liened, Encumbered, Blocked, or Hypothecated and No Other Signature is Added

************************************************************************************************************

BANK PAY OUT & ADMIN HOLD PROGRAMS

HSBC

CITIBANK

SCOTIA BANK

WELLS FARGO

DEUTSCHE BANK

JP MORGAN CHASE

Clients with funds at these banks pay out;

(10% RETURNS PER MONTH MINIMUM-12 MONTH CONTRACT)

HSBC

CITIBANK

WELLS FARGO

DEUTSCHE BANK

JP MORGAN CHASE

Clients with funds at Scotiabank pay out;

SCOTIA BANK

Internal Admin Hold up to 10 Days

HSBC

CITIBANK

WELLS FARGO

DEUTSCHE BANK

JP MORGAN CHASE

Internal Admin Hold up to 30 Days

SCOTIA BANK

Please feel free contact to us to proceed

OFFICE

(925) 352 6000

TIME ZONE

http://www.time.gov/

http://www.worldtimeserver.com/index.aspx

USA WESTERN STANDARD TIME

ICC
http://www.iccwbo.org/

AU-LBMA

http://www.lbma.org.uk/core_page.html

BLOOMBERG

http://www.bloomberg.com/markets/commodities/cfutures.html

TOP 50 WORLD BANKS

http://www.bankersalmanac.com/addcon/infobank/wldrank.aspx

WARNING NOTICE: ANY CLIENT AND/OR CLIENT REPRESENTATIVE DELIBERATELY ATTEMPTS TO ENGAGE AND/OR SOLICIT OUR SERVICES FOR THE PURPOSE OF TRANSACTING ANY FORM OF FRAUDULENT, INTERNATIONAL SECURITY THREATENING AND/OR OTHERWISE ILLEGAL TRANSACTIONS, NCC WILL REPORT HIM/HER/ENTITY TO THE UN, FBI, FEDERAL RESERVE CRIME OFFICE, S.E.C. I.C.C. PARIS.

This communication may contain privileged and/or confidential information. It is intended solely for the use of the addressee. If you are not the intended recipient, you are strictly prohibited from disclosing, copying, distributing, or using any of this information. This email is not a solicitation of investment funds or a securities offering. If you received this communication in error, please contact the sender immediately and destroy the material in its entirety, whether electronic or hard copy. This communication may contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or redisclose such information for any purpose other than to provide the services for which you are receiving the information CFSI/NCC is not a Certified Financial Advisor, Securities Broker and/or a Stock Broker. We are a Banking, Financial, Business consultant who provides advice to private individuals on or about business matters. If you have received this email in error, please notify us by return email and delete record from your computers. The information presented is not in any way considered or intended to be a solicitation of funds and is intended only as general knowledge. Understand that the contemplated transaction is strictly private and in no way relates to the United States Securities Act of 1933 (the “Act”)or related regulations and does not involve the sale of registered securities. This transaction is private and exempt from the Act. If you are not the intended recipient, please be aware that any disclosure, photocopying, distribution, or use of the contents of this information is prohibited. Thank you

IMPORTANT NOTICE: This electronic communication is covered by the Electronic Communications Privacy Act of 1986, Codified at 18 U.S.C 1367,2510-2521, 2701-2710, 3121-3126.
Also see: http://www.ftc.gov/privacy/glbact/glbsub1.htm Gramm-Leach-Bliley Act 15 USC, Subchapter1, Sec. 6801-6809

T-STRIPS-MTN’S-BG’S-MANAGED TRADE-BUY/SELL-PPP-TRADING PLATFORMS

CFSI/NCC is either Direct/Alliance To/ Partner Of/ and or Direct to Several Major Principal’s/Allocation/Commitment Holder/Trader’s.

Depending on what the request is and what is available will determine which direction the request will go.

– (Wholesale) – Fresh Cut/Slightly Seasoned & Seasoned-SEND CIS/LOI with POF-

A– TREASURY & LANDESBANK SELLERS/Clearing/Cutting House.

Direct to Private Paper Holder’s of Major Principal’s/Commitment Holder/Trader’s.

B– My Trust has 2 Foundations-(MTN’s) & our own Trader;

For Retail- (S) -Need the buyer’s procedures with LOI

Then we can match up buyer with seller.

We can issue elements of the asset- C& I #’s & SS- principal to principal once we know who we are dealing with.

For (Wholesale) – FC/SS-SEND LOI with POF-

MTN’s

The Trust/Foundation (Top Five European Banks) will only allow 1 point to be paid.

Fresh Cut 40+1

Slightly Seasoned are actually 50+1

Fully Seasoned is 65+1

Buyers will need to submit CIS. POF will be needed.

C– Commitment Holder/Trader-SELLER

Screen Block & Pay (ATP)-NO SWIFT- Settlement at E. C. B.

D – Alliance to Largest Trader in China-(Hong Kong)

(Heritage Funds Acceptable)

NOTE;

Any method of acceptance and delivery can be negotiated however we will need POF.

It does not matter who the client is-they still have to provide documentation of Proof of Funds upfront before any further process.

Seasoned Paper-We do not send ISIN/CUSIP Numbers over the net to an unknown entity or through intermediaries without first knowing who we are dealing with or without protocol.

BUYER HAS OWN LINE OF CREDIT

If Buyer has bank statement of the open credit line (against Buyer’s on Deposit Assets) we need letter from bank stating this.

Send CIS/LOI with Buyer’s Procedures and POF. After review we can forward elements of the asset direct to the buyer.

This can be can be a Sanitized recent Bank Statement or Tear Sheet (White-out or Black-out account numbers). Or Standard, 2 Banker-Signed, SKR Letter from the depository bank works best: not a free form swift-(See attached sample)

**************************************************************************************************************

If your goal is mainly to earn a Safe and High Yield

Slightly Seasoned T-Strips, BG’s, & MTN’S

Managed OR – Buy-Sell Trading Programs

Seasoned T-Strips, BG’s, & MTN’S

Managed Trade – Buy-Sell Trading Platforms

Confirmed Pricing & Terms: Slightly Seasoned T-Strips, BG’s & MTN’S…and Managed or Buy-Sell Trading Programs.

A) Seasoned T-Strips: 4 different direct Sellers:

(#1) 19% + 1% Fee (US Treasury subsidiary)

(#2) 19% + 1% Fee (European State Bank)

(#3) 19 % + 1% Fee (Major Trader via USA agent)

(#4) 20 % + 1% Fee (Major European Trader)

(B) Seasoned BG’S

Deutsche/London: 60’s%-to-70’s% (Price depends on contract size)

(C) Seasoned MTN’S (Global unsubordinated MTN’S @ 40’S +1)

(D) Managed Trading and Buy-Sell Programs Starting at $1MM and UP

(TIER 1 TIER 2 TIER 3 PLATFORMS)

4 SEASONED T-STRIP PROVIDERS

4 Different Providers:

* In ALL instances: 30 Year Treasury Strips from Existing Owner/Seller. 29+ Years to maturity.

* Provider is a LANDESBANK (State Bank — the largest in its country).

*DIRECT to Directors or former directors of Provider

Special Programs:

We only deal with Licensed Traders (some independent platforms and others inside of the Trading Bank).

All Program Groups are among the largest in the West.

One Buy-Sell Trader offers 6 week Program (net, net of 10 times investment possible)

Grandmaster can swap cash for 105% BG, then places cash into SUPERIOR 1 year format

DIRECT TO TREASURY & LANDESBANK SELLERS

* NO potential Buyer can talk to a Provider until ALL required documentation (see below) has been presented. These are the rules of the Providers.

IMPORTANT PROCEDURES OF TREASURY & LANDESBANK SELLERS

Note:

All below comments do NOT pertain to the 3rd Provider

* All documents must be presented as a one-time complete packet.

Once texts are in “Compliance” they will not accept supplemental submissions.

* They can close IMMEDIATELY once you pass compliance.

* If a Buyer defaults or misrepresents, they will be blacklisted.

* The Directors of EACH said that they wish to have a TEAR SHEET presented up-front or a bank statement of the open credit line (against Buyer’s on deposit assets.

This is because the Seller’s DIRECTORS do not know new Buyers, and they are concerned that IF you can not demonstrate that you can buy, then they will be greatly embarrassed. They will not risk a failure or an embarrassment.

*PROCEDURES

We have an alliance to forums that have instruments if not issued from the Trust it will be from the Treasury, Landesbank./Clearing/Cutting House and a Private Holder of Paper (From some of the wealthiest individuals in the world) depending on request and availability.

*Send buyers CIS General LOI and POF to start with as and introduction.

LOI to;

(Provider Allocation Commitment Holders)

Just send CIS/LOI with REAL POF

Include reference to both POF (for cash and credit line) and SKR (for financial instruments) texts.

PROOF OF FUNDS– Proof-Of-Funds (POF) can be a Sanitized recent Bank Statement or Tear Sheet as an introduction.

(White-out or Black-out account numbers)

Or Standard, 2 Banker-Signed, SKR Letter from the depository bank works best: not a free form swift-(See attached sample)

Provider wants to see that your buyer has the necessary funds to at least pay for the first Tranche. Providers are not going to go to their bank and sign a five year contract without knowing if the buyer is real.

If the POF is sanitized, it can only serve as an introduction for format and text.

It would have to be followed by a Client Information which would have the information deleted from the POF text.

Initial POF or SKR verification is not done by the bank (see attachment). If banker does it and it is deficient or fraudulent all parties are reported and blacklisted. That is why a non-banker does the verification first. Once the application passes preliminary due diligence it is sent to the Program officials, who then deal on a bank-to bank and principal-to-principal basis.

Please note;

If buyer seeks instrument up front to trigger a line of credit our procedures will not work for wholesale as that is a retail request or for seasoned paper.

Validation Of Funds

Providing Evidence Of Proof Of Funds

Validation of funds. This is similar to showing and verifying assets for a business or commercial venture in order to qualify for a loan. Borrowers submit their financial statements showing their ability to service the loan….similar process

PROOF OF FUNDS- Proof-Of-Funds (POF) can be a Sanitized recent Bank Statement or Tear Sheet

Proof-Of-Funds (POF) can be a Sanitized recent Bank Statement or Tear Sheet. (TO START WITH AS THIS IS ONLY AN INTRODUCTION)

It should not be that hard to send this as if anyone has ever wrote a check, by the time that check reaches its final destination it has gone through about 6 to 12 stops before it reaches its final destination. That check has all the important banking coordinates and account information on it. If someone has illegal intentions they could use this check. There is nothing anyone can do with a Sanitized Bank Statement or Teat Sheet. We are not asking for account information i.e. Sanitized (White-out or Black-out account numbers)

BANK TO BANK POF VERIFICATION

If CLIENT can provide a Real Bank Confirmation/Capability letter with bank officer’s name and Account Verification, we can do a Bank to Bank POF.

After receiving your completed file we can begin the closing process.

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TRADE/PPP/MANAGED BUY/SELL – AS LOW AS $1MM +

NCC has an alliance to the largest Licensed Traders in the world (some independent platforms and others inside of the Trading Bank). All Program Groups are among the largest in the West.

Our alliance forums also have instruments from the Treasury and a LANDESBANK and to Clearing/Cutting House or Private Holders of paper (Some of the richest men in the world) depending on request and availability, as well as Trades/Buy-Sells/PPP.

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SMALL BANK BULLET PLATFORM

Small Bank Platform and your funds can stay in your USA BANK

Client can enter Two Times Only.

Client can then go into Tier 1 Platform ($100M+) for higher returns.

Small BANK DEBT- Bullet Program $5M to $20M

This is a Small Bullet Program, 2 weeks, MINIMUM AMOUNT $5M– MAX $20M, 2 weeks, 5 time multiplier. We can accept American, Canadian, and European Banks. This involves an admin hold, monies stay in account. Program will also accept CD’s as well.

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GOLD COMMODITIES CONTRACT CURRICULUM

– REQUEST GOLD COMMODITIES CURRICULUM CIRCULAR-

Funds Stay In Account

FUNDS are Not Moved, Pledged, Liened, Encumbered, Blocked, or Hypothecated and No Other Signature is Added.

ADMIN HOLD PROGRAM

Client shows Minimum $1,000,000. Proof Of Funds is all that is required.-SHOW MONEY- Client receives ($Funds) X per month as per contract for one year, net of intermarries commissions. Client can talk direct to Trader, and Trader then issues contract to client to specify pay-out.

**$ GOLD COMMODITIES CURRICULUM – PLUS 3 PLATFORMS AT SAME TIME- $ FAST RETURNS $ BIG PROFITS $ (MANAGED TRADE BUY-SELL- PPP-TRADE PLATFORMS) **

This program allows Client to enter 3 programs at the same time.

Managed Buy-Sell –Trading- PPP

Programs Starting from $1MM +

FAST HIGH RETURNS

CAN BE USED FOR PROJECT FUNDING

Enter Into 3 Programs

1) Gold Commodities Contract Managed Buy-Sell

2) Multiple 40 Week Bank-Trade – PPP/Buy-Sell Programs

3) Multiple Bank Trade – BULLET Programs

Enter all 3 programs at the same time with Rolls and Extensions on Contracts.

Please feel free to contact us to proceed.

OFFICE

(925) 352 6000

USA WESTERN STANDARD TIME

TIME ZONE

http://www.time.gov/

http://www.worldtimeserver.com/index.aspx

KITCO

http://www.kitco.com/

ICC
http://www.iccwbo.org/

THE BULLION DESK

http://www.thebulliondesk.com/

AU-LBMA

http://www.lbma.org.uk/core_page.html

BLOOMBERG

http://www.bloomberg.com/markets/commodities/cfutures.html

TOP 50 WORLD BANKS

http://www.bankersalmanac.com/addcon/infobank/wldrank.aspx

Private Placement: The transaction described herein is for the purchase of negotiable instruments as described above to be sold by the Seller to the Buyer, and is to be conducted as a Private and Confidential transaction between the parties hereto. This transaction constitutes a Private Placement for the purchase of the instruments

specified, is conducted between the parties identified herein, and shall not be interpreted as a securities transaction as interpreted or described in the United States Securities Act of 1933/1934, as amended, or by the laws of any Nation. Non-Solicitation: The Buyer hereby acknowledges and confirms that neither the Seller nor its associates, nor any person acting on behalf of the Seller have made any statement or offer in any way whatsoever that can be construed to be a solicitation for this service.

This communication may contain privileged and/or confidential information. It is intended solely for the use of the addressee. If you are not the intended recipient, you are strictly prohibited from disclosing, copying, distributing, or using any of this information. This email is not a solicitation of investment funds or a securities offering. If you received this communication in error, please contact the sender immediately and destroy the material in its entirety, whether electronic or hard copy. This communication may contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or redisclose such information for any purpose other than to provide the services for which you are receiving the information CFSI/NCC is not a Certified Financial Advisor, Securities Broker and/or a Stock Broker. We are a Banking, Financial, Business consultant who provides advice to private individuals on or about business matters. If you have received this email in error, please notify us by return email and delete record from your computers. The information presented is not in any way considered or intended to be a solicitation of funds and is intended only as general knowledge. Understand that the contemplated transaction is strictly private and in no way relates to the United States Securities Act of 1933 (the “Act”)or related regulations and does not involve the sale of registered securities. This transaction is private and exempt from the Act. If you are not the intended recipient, please be aware that any disclosure, photocopying, distribution, or use of the contents of this information is prohibited. Thank you

IMPORTANT NOTICE: This electronic communication is covered by the Electronic Communications Privacy Act of 1986, Codified at 18 U.S.C 1367,2510-2521, 2701-2710, 3121-3126.
Also see: http://www.ftc.gov/privacy/glbact/glbsub1.htm Gramm-Leach-Bliley Act 15 USC, Subchapter1, Sec. 6801-6809

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As always I’m available 7AM to 5PM M-F Pacific for the general public and will speak with Non-Priority clients on a first come-first served basis when I can.

It’s always best to contact me early in the morning – before 9AM Pacific.

Priority Clients, Preferred Referral Partners, and All Product and Service Providers are served first and then others in order of availability.

These groups receive extended service hours including evenings and Saturdays.

For those who need ongoing services I am committed to JV relationships. With 33+ years of financial services experience ( November 1976 to present) I may be uniquely qualified to serve you and those whom you choose to refer.

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“Where there is no vision the people perish.” Proverbs 29:18

–
Joseph P. Tufo, Certified Cash Flow Consultant, Certified Capital Specialist
CASH FLOW SPECIALISTS, INC.
P.O. Box 844
Alamo CA 94507
925-691-8200 Direct to my desk
800-669-2700 Business
206-984-2853 Fax
joe@joetufo.com

http://www.workingcapitalfast.com

How We Work

Let Us Help You Get Funded:

http://www.bit.ly/82XHOB

Networking/Chat Contacts:
LinkedIn: jptufo
Skype: jptufo
Google Talk: joe@joetufo.com
Twitter: https://twitter.com/joetufo
Facebook: http://www.facebook.com/joetufo
Google Profile: http://www.google.com/profiles/jptufo

Fee and Commission Based.

Your #1 Alternative Funding Source. Call Us When Your Banker Says NO!!!

Business and Personal Lines of Credit $500,000 to $14,800,000, Large Project Funding $9,000,000 to No Limit, Commercial Loans, Hard Money Loans, Asset Monetization, Proof Of Funds and More.

We make NO INTEREST loans against BG, SBLC, CD, Bank Drafts and Sovereign Bonds.

Speaker, Writer, and Seminar Leader

Providing Honest Answers in a Timely Manner No Matter How Difficult the Situation.

Trust, Integrity, and Service: Here Today, Here Tomorrow

Please click on the link below to read our Disclaimer

Cash Flow Specialists Disclaimer

Business Lines Of Credit Factoring Hard Money In The News Large Projects Money Available Newsletters Preparation Private Placement Programs Real Estate Projects Trade Programs

Weekly Wrap-Up: The Good, The Bad, and The Ugly; Lessons Learned 20100529

Post author By Joe Tufo
Post date May 29, 2010
No Comments on Weekly Wrap-Up: The Good, The Bad, and The Ugly; Lessons Learned 20100529

Weekly Wrap-Up: The Good, The Bad, and The Ugly; Lessons Learned 20100529

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Greetings from the beautiful San Francisco Bay Area where temperatures are in the mid 70’s warming up to the low 80’s.

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Since the beginning of the year I’ve been on 3,998 phone calls averaging seven minutes and three seconds per call. That’s 470 hours and almost 40 minutes.You need to know that I’m really working and not screwing around.

The reason our websites are so large is so that you and those whom you choose to refer can learn more about our products and services.

With over 3,300 pages of information published on our two major websites and hundreds of pages on ancillary sites and growing by 15 to 20 pages a week chances are your questions are already answered and the solution(s) to your funding requests are posted.

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It’s real simple: We work on either a Priority basis where you pay a fully earned, non-refundable fee for six months of service or a Non-Priority basis when you are not in a big hurry and we get to you and your project when we can: after allPriority Clients come first.

We work on your project and focus all our energy on you and other priority clients first and then others in order of availability.

We don’t take on a client or project unless we’re reasonably sure that we can achieve success.

The fee is 1% of what you are looking for subject to a minimum $3,000: maximum $30,000 per project. Any amount that you are trying to fund under $300,000 is $3,000 and any amount $3,000,000 and above is $30,000.

If you’re looking for $500,000 the fee is $5,000. If you’re looking for $1,000,000 the fee is $10,000. You get the picture.

Some ask me to spend the day with them. I charge $10,000 per day. You come to Concord CA. Some ask for a half day and I charge them $5,000. Some want an hour and I charge them $1,000.

You can see these services at http://www.joetufo.com/consultingx You can direct deposit or wire fees to our Bank of America Corporate account. With 33+ years in financial services (since 11/76) we may be uniquely qualified to serve you.

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Every Saturday I’ll be sharing lessons that I learned from the week. I hope that it’s of benefit to you.

This program came in the evening of May 26th:

AMERICAN EXPRESS PROGRAM

QUALIFICATIONS

1. 720+ SCORE ON ALL 3 BUREAUS

IF CREDIT SCORE IS UNDER 720 BUT ABOVE 620; INQUIRE ABOUT A CREDIT SCRUB TO QUALIFY

(Fee Can Be Paid by Credit Card)

2. UNDER 60% REVOLVING DEBT RATIO

IF REVOLVING DEBT RATIO IS HIGHER THAN 60%; INQUIRE ABOUT ADDING TRADE LINES TO QUALIFY (Fee Can Be Paid by Credit Card)

3. NO MORE THAN 6 INQUIRIES

IF MORE THAN 6 INQUIRIES;

INQUIRE ABOUT INQUIRY REMOVAL TO QUALIFY

(Fee Can Be Paid by Credit Card)

BENEFITS

250,000 LIMIT AMERICAN EXPRESS CARD

FUNDING IN 3 WEEKS!

10% SUCCESS FEE PAID ON THE BACK END

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I have followed Martin Weiss for about 25 years. Here is your access to the Strongest and Weakest Banks in the USA.

With 73 bank failures to date this year we’re at double the pace of last year:

http://www.weissratings.com/weakest-banks-and-thrifts-in-us.php

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My good friend, John Adams, called this morning, May 26th and shared this website; http://goooh.com/home.aspx

If you’re a patriot you can help us take back the House of Representatives and jump-start the economy. We have 80,000 members and at 500,000 members our plan of action will be put into place. If you have questions please call me and I’ll personally introduce you to John.

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We have two new large project funding sources $50 million and above. They require 1% as a good faith deposit. Merrill Lynch handles escrow from their New York office.

The first takes 30% of net profit. They distribute proceeds incrementally so if you need $100m the first month this is not the program for you.

I sent this to Indi in China who needs $950m to fund his project. Indi was referred by Vasko:

I may have a funding source for your project. They require a 1% good faith deposit that is refundable. They take 30% of net profits. A buy-out is possible after three to five years. They are affiliated with Merrill Lynch. They are based in New York. They take 75 to 105 calendar days to fund.

This is what I received: I am direct to a 100% Project Funding Profit Sharing Program that just closed $500M last week (first monthly draw is next week). Minimum project size is $50M up to $5B. They do require up to a 1% Good Faith Deposit (GFD), but only AFTER you have read, understood, agreed to, and signed a Terms & Conditions Agreement, Profit Sharing Agreement, Escrow Agreement, and Draw Schedule. SO, you know all the players involved & the terms before any money is due. Also, they allow attorney-to-attorney calls to validate references and verify capacity to perform BEFORE the GFD is required. They use a well known 3rd party for their due diligence. Funder adds fees to net amount required by client and funds total gross amount. Fees don’t come into play at all unless client buys out the lender down the road..which is optional.

I have two projects (a $500M mixed use/entertainment project in Texas and an $82M resort project in the Bahamas) that just received their offers from this lender. Closing can be as soon as June 30, depending on when they get their GFD in (for example, if they have GFD in by May 14, they will close June 30, pending no major issues during due diligence/background screening).

BTW, Joe, I agree with your comment about integrity and ethics. For the record, I am a U.S. Air Force Academy graduate. The Honor Code I lived by as a cadet is still important to me today (I named my company after the mascot at USAFA…the Falcon). My reputation and integrity are MORE important to me than closing any deal that hints of unethical or immoral behavior. I look forward to hearing from direct clients seeking funds for their $50M+ commercial projects.

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Working Capital Fast

Money to Solve Cash Flow Needs

100% Profit Sharing Project Funding Program.

by JOE TUFO[EDIT]

100% Profit Sharing Project Funding Program.

This is NOT a LOAN Program; there is NO DEBT SERVICE. It is a Profit Sharing Program whereby the New York-based Funder/Investment Firm provides 100% of the project costs plus fees in exchange for a minimum of 30% of the NET profits. There will be no provisions for recourse on the deal, no terms of payment or repayment in the funding docs. A client can buy out the Funder/Investment Firm after 3 or more years from build out, but it is optional. Merrill Lynch is the Escrow Company, along with an established attorney firm and a Consultant Firm that pulled the Program together.

Basically, the Funder/Investment Firm looks for financially and economically viable projects. Among other types of projects, they like hospitals, resorts, mixed use, green and humanitarian projects, as long as it makes economic sense. They won’t look at a project unless it has strong equity and/or liquidity among the major principals.

The 1% or less (depending upon the size of the program) Good Faith Deposit (GFD) is required only AFTER the Terms & Conditions Agreement, Escrow Agreement, and Capital Investment (Profit Sharing) Agreement are signed (so all terms and players are understood), and it is REFUNDED with the first draw. Merrill Lynch must verify with all 5 signatories (client, Merrill Lynch, third party attorney firm, Funder/Investment Firm, Consultant Firm) that they ALL agree to move the money out of the account before any escrow money can be transferred.

The fees are high, but they are one-time fees and rolled into the gross funded amount. The fees are 18%, as distributed below, plus another 6% points.
10% – HSBC (to issue the bank instrument used by Funder)
6% – Funder/Investment Firm
2% – Consultant Firm (my fees are incorporated in this number)
18% Fees + 6 Points

To submit, a project needs to provide the following:

1. Executive Summary
2. Business Plan
3. CIS – must be notarized
4. Proforma/Financial Data
5. Source and Use of Funds
6. Bio/Resumes of Principals
7. Personal Financials of primary principal(s)
8. Proof of Funds
9. Corporate Docs (I have samples of Corporate docs if needed):
– Fit & Proper
– Director’s Self Declaration
– Confirmation on the bearer shares undertaking
– Board minutes to appoint the representative in executing the escrow agreement
– Certification of Incorporation

The procedure for qualifying for the financing is as follows:

Client submits their CIS and all required documents to Cash Flow Specialists, Inc..

Cash Flow Specialists, Inc. will review the application and submit the package to the Funder/Investment Firm for evaluation, which normally takes 5-7 business days. If approved, a Terms and Conditions Agreement, Escrow Agreementand Capital Investment Agreement will be issued listing all details of the proposed transaction for the client’s review.

If the client wishes to move ahead with the financing, they will then need to endorse all three documents as specified in Step #2 above, return it to Cash Flow Specialists, Inc. and remit the Good Faith Deposit to proceed to the next step. This escrow amount will vary from 1% of the Total Gross Funding amount to 0.25%, depending on the transaction size.

The file will continue to be reviewed and any additional conditions will be required to be remitted.

Once all conditions have been satisfied, the Formal Funding Documents will be issued, which will reiterate the terms of the financing.

After the signed Formal Funding Documents have been returned to the Funder/Investment Firm, the transaction will move to funding. At the time of the initial funding, the escrow funds will be rebated to the client with the first monthly draw.

Subsequent fundings will occur as per the draw schedule, which will be part of the Legal Formal Funding Documents.
Regarding a high level timeline, initial funding is expected 90 days after the GFD funds are deposited into the escrow account.

Sample $50,000,000 Funding

Project Name:	Project Name
Company Contact:	Company Contact
Company Name:	Company Name
Company Address:	Address, City, State/Prov Country Zip/PC

Net Funding Amount:	$50,000,000
Total Fees (18%):	$9,000,000
Sub-Total:	$59,000,000

Points 6%:	$3,540,000
Gross Funding Amount :	$62,540,000

Good Faith Deposit required to be put in Escrow:	$625,400

Anticipated Initial Funding	Month of XXXX

Non-Refundable Escrow Agent Fee allocated to Merrill Lynch from Good Faith Deposit:	$5,000

Non-Refundable Due Diligence Fee allocated to Funder//Investment Firm from Good Faith Deposit:	$50,000

Refundable Fee Allocated to Funder/Investment Firm for Financial Instrument Acquisition from Good Faith Deposit	$125,000

Minimum Years before Buy-out Eligibility:	X Years

Financial Reporting Required to Funder//Investment Firm:	Quarterly from Date of Financing Closing Date

Remittances of Net Profit to Funder/Investment Firm:	Quarterly from Date of Financing Closing Date

Annual Audits Required by Mutually Acceptable Local Accounting Firm:	Yes

Expiration of this Document if not returned and endorsed with Good Faith Deposit to follow on the same business day.	DD/MM/YYYY

Note 1 – Fundings under $200M require 1% GFD, fundings from $200M to $1.5B require .5% GFD, over 1.5B require 0.25%.

Note 2 – Escrows will be held with Merrill Lynch in a managed escrow account.
Please note there are TWO NON-REFUNDABLE fees that come out of the Good Faith Deposit, one $5K fee for Escrow Management and one fee between $25K-100K for due diligence. The due diligence amount depends on the number of principals that need background checks, the citizenship of the principals, and the location of the project (overseas vs. U.S.). They use a well known 3rd party to perform the due diligence; Kroll (www.kroll.com) is known worldwide for their background screening. A client will be able to get copies of all information obtained by Kroll during the due diligence process, so you’ll know how your non-refundable due diligence fees were spent.

The Profit Sharing Position of the Funder/Investment Firm will be at least 30% of all net profits for the project as listed above. If the client wishes to take out the Funder/Investment Firm, they may do so after the minimum term for the greater of 30% of the Fair Market Value of the Project, as determined on the Valuation Date, or the Gross Funding Amount.

The Valuation Date is the date at which the client wishes to buy out the Funder/Investment Firm’s Profit Sharing position in the project. If the client does not wish to buy out the Funder/Investment Firm, then the 30% profit will be payable to the Funder/Investment Firm on a quarterly basis, within 30 days of each quarter year from the transaction closing date.

The Funder/Investment Firm will have no operational activities. It is the responsibility of the client to send reports to the Funder/Investment Firm of business activities on a quarterly basis and to keep them abreast of any material developments. Quarterly reports and annual audits will also be required.

FUNDING

All draw schedules must take place over a minimum of 12 months. In some cases where the deal is an acquisition, this may cause some complications as the client may wish to have an accelerated draw schedule so that the initial funding will be sufficient to cover the acquisition cost of the assets required for the Project.

Due to the program limitations at this time, it may be necessary for the client to “bank” the draws so that they have the funds they need to acquire the assets over a period of a few months. While we can appreciate this inconvenience, due to the current banking guidelines we must adhere to, we have little room for variance. When this practice is used, the client will be able to put the funds aside and schedule the acquisition for the time when the fund accumulation will be sufficient to cover the initial costs of their project.

To assist in offsetting this situation, where the draws do need to be accelerated, the fees may be allocated over the draw period for up to 12 months. This will increase the net draw amount and allow the client to access more funds at the early stages of the draws than would be available if the fees were taken from the initial draw, which is typical.

Below is a Draw Schedule using the above example figures with the draws spanning 12 months and the fees/points being distributed over the first 3 monthly draws.

Sample Draw Schedule

	Base Funding Amount		$50,000,000
	Total Gross Funding Amount		$62,540,000
	Number of Monthly Draws		12

Month	Gross Draw Amount	Less Fees/Points:	Net Draw Amount
1	5,211,667	4,180,000	1,602,067	*
2	5,211,667	4,180,000	1,031,667
3	5,211,667	4,180,000	1,031,667
4	5,211,667	0	5,211,667
5	5,211,667	0	5,211,667
6	5,211,667	0	5,211,667
7	5,211,667	0	5,211,667
8	5,211,667	0	5,211,667
9	5,211,667	0	5,211,667
10	5,211,667	0	5,211,667
11	5,211,667	0	5,211,667
12	5,211,667	0	5,211,667
Totals	$62,540,000	$12,540,000	$50,570,400
* Includes Good Faith Deposit Rebate, assumes $5,000 Escrow Agent Fee and $50,000 Due Diligence Fee. This is for illustration purposes only and will change from transaction to transaction.

The Funder/Investment Firm just closed a $500M project on April 20, 2010. They will provide proof of performance, but only via attorney to attorney. I have two projects that just received offers from this Funder/Investment Firm.

I hope this helps. Feel free to call me if you have any questions. I look forward to working with you.

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It never ceases to amaze me how many dreamers and schemers call and write me each week.

I keep writing articles about the importance of proper presentation and yet people continue sending “crap” and expecting a miracle. It’s not going to happen.

One genius called Wednesday May 19th looking for $125 million in funding. He has no business credit, no financials, a 435 personal FICO score, no money for due diligence and wants to know how quickly he’ll be funded. HELLO????

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My friend, Steve, and I are collaborating on an article, “How To Be A Good Client.” Steve runs the premier debt finance brokerage agency in the USA.

Steve has a niche commercial loan available countrywide for assisted living, nursing homes, adult homes, and other commercial properties. The “sweet spot” is $2m to $5m, interest only, 13% interest, eight points, and it closes within 30 days, 65% LTV, blemished personal credit is okay.

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This came in from Richard, a 35-year seasoned utility and energy provider Thursday, May 20th:

When PLATT (current market pricing) is at $95 and the customer is paying anywhere from $85 to $105 for the product, I can undercut current market conditions selling direct for a discount that buyers will jump at. I have contacts with many of the major oil companies and with many in the oil and gas industries, along with contacts that sell directly to the airline industry.

It is having the proper contacts in these industries on both the buy and sell sides of these transactions that makes this achievable.

If you have anyone in mind call me to discuss.

Thank you
Richard

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Gaining access to credit remains challenging

for many business owners.

If you have

commercial accounts receivable on your books.

Factoring can provide a bridge until traditional financing

is more readily available.

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LET US WORK HARD FOR YOU……..YOU ASK WHY?

FOUR MORE BANKS CLOSED by U.S. regulators. This brings the total number of US Bank Failures to 72 so far in 2010, compared to 140 in 2009, 25 in 2008 and 3 in 2007. If bank failures continue at this pace, an estimate of over 190 banks will fail in 2010.

Although the economy is showing signs of a gradual recovery still tumbling home prices, soaring loan defaults in residential and commercial real estate and rising unemployment continue to take their toll on small banks. In the fourth quarter of 2009, the number of banks on the FDIC’s list of problem institutions grew to 702 from 552 in the third quarter of 2009. This is the highest number of problem institutions since the savings and loan crisis in the early 1990′s. Increasing loan losses on commercial real estate are expected to cause hundreds more bank failures in the next few years. The FDIC anticipates bank failures to cost over $100 billion over the next three years.

We work closely with senior management, providing current capital market intelligence on pricing and structure of existing debt. Our market data provides a competitive edge to our clients seeking to minimize their cost of capital and increase their cash flow. “We are the company for working capital solutions”.

Complicated capital structures often become dislocated in relation to the market. Cash Flow Specialists, Inc. due diligence and analysis flushes out opportunities within a company to provide growth where needed.

We provide comprehensive market solutions and ideas in a form that allows management to provide real market intelligence in order to let their company grow in this economy.

OUR FINANCIAL SERVICES

• HARD TO DO REAL ESTATE PROJECTS/LOANS
• NEW..NON-RECOURSE LENDING
• ONLINE SALE OF ACCOUNTS RECEIVABLE
• FACTORING AND MICRO FACTORING
• CONSTRUCTION LOANS
• MERCHANT ADVANCES
• CHURCH AND SCHOOL FINANCING
• NON-PROFIT HEALTHCARE FINANCING
• SENIOR/ASSISTED LIVING FINANCING
• EQUIPMENT AND LEASE FINANCING
• CHALLENGED CREDIT SITUATIONS
• HARD / PRIVATE MONEY LENDING
MAY 17, 2010

Tightening the Credit Screws

Community banks are still offering loans. But businesses have to jump through a lot more hoops to get them.

By EMILY MALTBY

In the depths of the credit crunch, community lenders became a popular financing source for Main Street. But small-business owners may need to work harder to get support from local banks these days.

Journal Report

Read the complete Small Business report .

Even though most community banks came through the financial collapse in good health, with lots of capital and liquidity to extend loans, some of them have gone under. So, the Federal Deposit Insurance Corp., Federal Reserve and other regulatory agencies are increasing their scrutiny of local lenders to spot troubled assets and keep the banks in solid financial shape. As part of the effort, the watchdogs are asking the banks to boost their capital and loan-loss reserves even further—which means raising more money, getting more selective about making new loans and canceling the risky loans on their books.

The upshot for business owners: Local bankers now demand a lot more information about the business and its operations before they sign off on a loan. Entrepreneurs who land a loan need to give frequent updates about the state of affairs—and not just routine financial information, such as sales figures.

Bankers need deeper “information about what’s going on with the business…for instance, if one of the [borrower’s] customers is in financial trouble,” says Kevin Tenpas, chief executive of Heartland Business Bank in De Pere, Wis., a part of Heartland Financial USA Inc. in Dubuque, Iowa.

Small-business owners who don’t work closely with their lenders will find it much tougher to get financing. “I think it’s even more important to have that relationship now than before,” says Mr. Tenpas. “I think the tendency is for owners to not communicate if it’s not good news, which is when it’s most important.”

Crisis and Opportunity

In the depths of the crisis, business owners flocked to community banks when large lenders turned them away. The Independent Community Bankers of America, a Washington-based advocacy group that represents about 5,000 U.S. community banks, reported in March 2009 that its members were acquiring customers faster in the depths of the credit crunch than before the crisis. At that time, only 11% of institutions surveyed believed the weakening economy had significantly curtailed their ability to lend.

View Full Image

BANKS

Dean Forbes

Brad Glaberson, owner of Cucina Fresca, has had to work much more closely with his banker

Most local banks stayed stable for simple reasons. “They hold capital levels that can weather downturns, and don’t leverage themselves as much as larger banks,” says Paul Merski, senior vice president and chief economist of the community bankers’ group.

What’s more, most of the banks steered clear of subprime mortgages—and were cautious about handing out loans to local businesses.

As part of that, many of the lenders established close ties to the businesses, getting to know the operations so well that they could act as advisers to the owners and get a much clearer picture of the company’s chances of weathering hardships.

But a sizable chunk of local banks weren’t so cautious—and that’s where the problems started.

Prior to the recession, a number of these lenders were lured into the real-estate bubble, and others didn’t look closely at small-business borrowers, issuing loans on the basis of strong economic indicators rather than a company’s actual financials or a longstanding relationship with the owner.

When the downturn hit, those bad loans came back to haunt the banks. The FDIC reported in February that more than 700 banks were on its “problem list” of institutions in danger of failing, the highest number in 16 years, and FDIC examiners have closed more than 220 banks since 2008, a significant number of which are community lenders.

Facing increased federal scrutiny, small lenders are much more reluctant to make loans based on promises and not hard data. Mr. Merski of the community bankers’ group says that a recent, informal survey of 141 of its members shows that 28% have held back small-business lending due to the regulatory environment.

Tougher and Timelier

For an idea of how much things have changed for small companies that work with local banks, consider Brad Glaberson, owner of Seattle-based specialty-foods company Cucina Fresca Inc. Last September, Mr. Glaberson left Evergreen Bank, a seven-branch lender in the Seattle area that had served him for 10 years. “My company was fine, but Evergreen had started changing,” explains Mr. Glaberson, who had a $70,000 revolving line of credit with the bank.

The bank said it was going to close the revolving line of credit, and the current balance of $38,000 would change into a term loan, with higher interest rates. Once Mr. Glaberson paid it off, he would no longer have any credit lines left with the bank.

Up to that point, Mr. Glaberson says, his relationship with Evergreen was “hands off.” He communicated with the bank on an as-needed basis, such as to make deposits or increase his credit line. But even in those cases, he says, the relationship was strictly with the bank’s 800 number, rather than a specified loan officer.

After the news about the credit line, the relationship between Mr. Glaberson and the bank went downhill rapidly, and he sought out another lender. Evergreen, meanwhile, was closed by the FDIC in January after posting “significant losses in its acquisition, development, and construction and commercial real-estate loan portfolios as a result of weak real-estate conditions,” says an FDIC representative.

Umpqua Holdings Corp.’s Umpqua Bank, a 176-branch lender in Portland, Ore., that acquired Evergreen, declines to comment on particular customers. But, says Lani Hayward, executive vice president of Umpqua’s corporate communications, “when this credit crunch happened, community lenders didn’t stop lending unless they were in trouble. And we are seeing the fallout of those that got in too deep with commercial real estate.”

When Mr. Glaberson walked into Foundation Bank, a single-branch, Bellevue, Wash., lender, officers made it clear that he would need to put in extra effort to land a loan by giving them tours of his facilities, opening all his books and building a personal relationship with the loan officers.

Mr. Glaberson received a $102,000 credit line with Foundation Bank, but the work wasn’t over. Each month, he is required to submit financial reports to the loan officers. “They want certain reports in certain ways, and banking and financial sheets are so much work for me,” he says. But Mr. Glaberson makes those reporting requirements a priority, so that the loan officers are better equipped to defend his line of credit if regulators question it.

“It’s in the character of the bank to step up for the client, but the owner has to work harder, too,” says Diane Dewbrey, CEO of Foundation Bank. “It’s not just about being transparent anymore, but about being more timely. If the fiscal year ends on Jan. 31, I can’t wait until April to get the yearly reports. I need them in February.”

The greater emphasis on consistent and timely communication holds true for thriving businesses, as well, such as Cucina Fresca, which recently tapped its credit line to launch a new Lazy Lasagna product.

“If you have good news to tell, tell it now because the regulators can show up on any given day,” says Ms. Dewbrey.

Ms. Maltby is a staff reporter in The Wall Street Journal’s New York bureau. She can be reached at emily.maltby@wsj.com.

________________________________________________________________

How We Work

Our websites are at http://www.workingcapitalfast.com which is about 800 pages (May ’10) and http://www.joetufo.com/blog our subscription site which has about three times the content. It also archives the newsletters.

If you have a Large Project that requires funding you may be interested in an 8-Week Course that we are producing:http://joetufo.com/blog/large-project-class

Our websites feature our Business Creed and a pre-qualification application. http://joetufo.com/blog/welcome-to-cash-flow-specialists-inc

http://workingcapitalfast.com/welcome-to-working-capital-fast-cash-flow-specialists-inc

We offer a one-time FREE 20-minute consultation to those who complete the questionnaire completely. This is a $333.34 value based on our hourly consulting fee. Of course, you may purchase additional time at

http://www.joetufo.com/consultingx

We work one of two ways:

Priority – If you want us to “Clear The Decks” put our heads down and get to work you’ll honor us by paying a fee for six months of service. You may renew after that time.

When you hire us to work on a priority basis we thoroughly study your submission package to make sure that it complies with our recommended Road Map to Funding Success. Funding has always been about presentation. Those who present well are funded. Those who don’t present well are not funded.

The key ingredients to funding success, in our experience, have been:

A powerful Executive Summary of one to four pages. You can purchase our template and video review athttp://www.joetufo.com/roadmap
Bio’s of key personnel.
A detailed use of funds broken down monthly for the first year and quarterly thereafter.
A 5-year proforma and written Exit Strategy.

Before you join, let me mention two things…

Firstly, I can’t guarantee your success. You know that and I know that, but it’s something I gotta say anyway. I will offer my expert opinion based on my own experience and knowledge, but there are no guarantees. You agree to hold me harmless for any result that occurs from my coaching.

Secondly, there are no refunds available. Because I can’t get my time back, you can’t get your money back. I’ll be happy to work with you to make you happy … but if you’re looking for a guarantee for a refund, then this isn’t for you.

Having gotten the “negative” out of the way, let’s focus on the “positive”! This is truly going to be a life-changing experience for you and I’m proud to be able to personally work with a select few in this program. I’m really looking forward to it.

If you’re ready, I am! You can literally get started hearing from ME this evening. So let’s get started together…

When we meet face-to-face we’ll review the following questions:

• What do you expect from us?

• What is your current pain?

• What keeps you awake at night?

• How do you see us helping you address these challenges and opportunities?

• What growth plans do you have?

• If price were not an issue, what role would you want us to play in your business?

• Do you expect capital needs? New financing?

• Do you anticipate any mergers, purchases, divestitures, recapitalizations, or reorganizations in the near future?

• We know you are investing in total quality service, as are we. What are the service standards you would like for us to provide you?

• How important is our satisfaction guarantee to you?

• How important is rapid response? What do you consider rapid response?

• Why are you changing professionals? What did you not like about your former firm that you do not want us to repeat?*

• How did you enjoy working with your former firm?**

• Do you envision any other changes in your needs?

• Are you concerned about any of your asset, liability, or income statement accounts to which we should pay particularly close attention?

• If we were to attend certain of your internal management meetings as observers, would you be comfortable with that?

• How do you suggest we best learn about your business so we can relate your operations to the financial information and so we can be more proactive in helping you maximize your business success?

• May our associates tour your facilities?

• What trade journals do you read? What seminars and trade shows do you regularly attend? Would it be possible for us to attend these with you?

• What is your budget for this type of service?

* We never denigrate the predecessor. First, this insults you and reminds you of a poor decision. Second, it diminishes respect and confidence in the profession as a whole and lowers the public’s perception of our professionalism.

** Even though you are changing firms, it is almost certain that you liked certain characteristics of the predecessor. We want to find out what those were and exceed them. For instance, if you said the prior firm always returned phone calls within one day, we strive to return phone calls within four hours.

Non-Priority – If you think that you’ve “nailed it” when preparing the four key ingredients to funding success, and you aren’t in any hurry at all to fund and aren’t quite ready to pay consultation fees then we’ll take a look at your project when we can get to it. After we look at it we may need to send it back because you don’t meet our requirements. (Priority Clients get major help from us in cleaning up their submission.) We’ll return your calls and emails when we can: after all, priority clients come first.

We reserve the right to review each submission once, beyond that our consultation fee will be required. You had better complete the submission request correctly the first time or you better get familiar with our websites mentioned above. If you submit for free we can’t spend a lot of time. It’s not fair to us, our families, or our Priority Clients.

In our experience we can fund 1/3 of the files that cross our desks, 1/3 are DOA Dead on Arrival, and the final 1/3 are broken and need to go through some form of remediation which can take hours, days, weeks, months, or years.

We DO NOT GUARANTEE FUNDING. We work on a BEST EFFORTS BASIS.

With 33 years of Financial Services experience we may be uniquely qualified to serve you and those whom you choose to refer.

Cash Flow Specialists, Inc.

Why We Say NO! A Lot and Mean It

by JOE TUFO[EDIT]

Many times throughout each day we receive calls from referrals, referral partners, past clients, current clients, prospective clients, or someone who Googled one of our websites.

Invariably, your project or start-up is “the greatest thing since sliced bread,” is a “billion dollar idea,” We’d “be a fool if we didn’t drop everything and devote all our time for free to get you funded.”

To each of you who expect us to work for free we have this to say – NO! NO! NO! A thousand times NO!

WE’RE NOT IN THE FEE BUSINESS and WE’RE NOT IN THE WORK FOR FREE BUSINESS!

It’s not that we’re uninterested or impolite it’s just that we’ve heard it thousands of times. Here’s our responses:

Do we have the time?
Will we feel pressured to get it done?
Will we be upset with ourself?
Will we be resentful of the other person?
Will we feel duped, had, or swindled?
What do we have to give up to do this?
What can we gain (What’s in it for us?)

No is our first option instead of the propensity to say yes that emanates from wanting to please, wanting to be liked, needing to be needed, being timid, avoiding confrontation, not knowing our rights, or feeling: plain and simple, that we should.

We’re in the consulting and funding business. With 33 years (November 1976 to present) of financial services experience in insurance, securities, and finance we may be uniquely qualified to serve you and those whom you choose to refer.

We charge a fee because we do this full-time: 50 hours scheduled a week plus another 20+ working on the websites, writing articles and newsletters, recording audio and video, holding webinars and other tasks to help each of you.

We take on committed paying clients and then focus all of our effort and energy in getting them funded.

Even at that we fail more than half of the time.

In our 10+ years experience in this business about 1/3 of what crosses our desks we can fund (you may not like the rates, terms and conditions but we can fund you), 1/3 is DOA – Dead on Arrival – even with the thousands of pages of information we’ve published, dozens of books and courses we’ve published – let’s face it many of you can’t or won’t follow instructions, and the final 1/3rd is broken: your credit sucks, you have no business credit profile, you have more than three inquiries, you have derogatories, liens and judgments – you’re a mess and it will take days, weeks, months, or years to fix.

From David the CEO of a mining operation in Ghana. This came in Wednesday, May 19th:

Joe,
Thank you for the correction. I will add an addendum to reflect the correct figures.
Pls. forward the buyers contact so that I may contact them. All correspondences will be copied to you. Based on experience, the serious prospects are the buyers who are willing to have a TTM and inspect our mining facilities..
I wait for your mail

David

Here are answers to buyers questions.
From the mailing: I have known Brett for three years What is the cost per kilo?
What is the initial minimum amount? Answer: Cost per Kilo is $22,700.00

I have a good friend whose cousin owns the refinery on 47th street in NYC. He also knows the owner of Malca-Amit very well.
Malca-Amit can handle the shipping, WE WILL even cover the shipping cost after assay to sweeten the deal.

Basically we would use our Buyer shipping code. Seller would place cost of shipping in escrow with Malca-Amit. Based on this special relationship Malca-Amit could act as escrow agent.

They are a small refinery but can melt and assay over 100 kilos a day.

I would like to start with the minimum amount utilizing a Bank Comfort Letter
issued directly to Seller bank in Accra, Ghana. Answer: Buyer will have to physically present the Bank Comfort Letter in Accra,Ghana.

My partner and I traveled to NYC in 2008 for a previous gold deal. I know one man that literally travels from CA to Ghana to Dubai back to CA that
buys between 6 to 10 kilos twice a month. I have been to his home, he does extremely well.Answer: I am not surprise the buyer is doing extremely well.

This is a real business, however most people will never be successful. Most these supposed sellers are complete scam artists.

Lets put this group to the test and try to close a deal.

Thank you,

Brett
[5/16/2010 5:38:18 PM] Joe Tufo: I’m off to Church. I’ll be at my desk tomorrow at 7AM Pacific.
[5/16/2010 5:41:04 PM] Joe Tufo: More prospects: On Your Gold Bar and Dust

Dear Sir,

Could you pls kindly quote us on your gold bar and dust in delivery price to main Chinese port.

For our company information, pls reveiw our company website: http://www.toxxxxxx.com

Yours faithfully

D. Lee

Quantity: 2000 kg
Packaging: Export standards ones
Price: Standard

Gold Bullion Wanted

Please forward FCO for quantities of 40mt to 100mt . Hong Kong Security Warehouse and Swiss procedures preferred. Please Contact; John Dexxxx at: johndexxxx@.co.zaMatter is Urgent Many Thanks.

Quantity: 40-100 mt
Packaging: Not Required
Price: Quote direct from Owner

GOLD DUST/BARS/NUGGETS

Dear Sir/Madam

I am looking for serious gold dust/bars/nuggets sellers who can sell to my buyer on CIF basis to Europe.No upfront payments or bank instruments or VISA will be issued.The buyer is willing to co assign his shipment company or the seller may use his shipment company and all costs will be paid after final assay tests at the buyer’s refinery in Europe.Sixty months contract will be offered to serious seller who are willing to sell on CIF basis to Europe.Email me at phxx.gxxxxx@xxxx.com

Gideon Pxxxx

Quantity: bulk
Packaging: containers/boxes
Price: CIF
Buy coal , iron ore , gold , rail

Buy coal , iron ore , gold , rail ,
Please send SCO with past rescords to

Best regards,
wu

Gold Dust Import

Hi!
We are based on Tokyo, Japan, trading and food & beverage services mainly. As our clients are looking for gold dust (not bar), we are acting on behalf of them. However, someone told us that West African countries ban export gold dust… We want to clarify whether such information is true. If it is possible to export gold dust to Japan, we want to take a tour in West Africa soon. Rgds.

Quantity: over 1,000kg, start from 100kg
Packaging:
[5/16/2010 5:47:44 PM] Joe Tufo: Another – Joe,

I have a Buyer I work directly with in Hong Kong who is looking to purchase Gold. They are a solid Buyer, a public traded company on the HK Stock Exchange.

There procedure calls for a TTM in HK to provide POF and receive POP, as well as to finalize between principals the closing procedures for the sale.

If your Seller has an ongoing supply of Gold available, this Buyer will most probably be interested in an ongoing relationship.

Can you please advise the discount for the Gold as well as when a TTM can be scheduled?

Thanks.
Have a great day!

Scott
[5/17/2010 5:11:11 AM] Joe Tufo: And another: Joe,

I understand that you have a AU seller.

We have a DLC for the purchase of AU dust.

We can take down up to 8ookg’s per week (depending on the speediness) of the documents & the shipment to USA the AU.

Please see attached the first months method of how we would proceed, after that weekly.

Larry

Joe Tufo, Certified Cash Flow Consultant, Certified Capital Specialist
CASH FLOW SPECIALISTS, INC.
P.O. Box 844
Alamo CA 94507
925-691-8200 Direct to my desk
800-669-2700 Business
206-984-2853 Fax
joe@joetufo.com
SKYPE: jptufo
http://www.workingcapitalfast.com

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Weekly Wrap-Up: The Good, The Bad, and The Ugly; Lessons Learned 20100529

Post author By Joe Tufo
Post date May 29, 2010
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