All three attempts failed depository for the CE, and in our webmoney so far dealt with Mr. Lysenko, whose debt has already exceeded 125 thousand. VSW. What is wrong with them, was not it? . Just not in this business object. But we shall understand popunktno.
Two schemes of making money ' bankers ' for the payment of interest are hidden ( as it should be in bad novels ), but that's no secret doktoryuga that uses depositors' money by playing on risky loans. Therefore, this method is to return the money with interest, we will first.
Suppose there are 100k borrowed money at 4%, you put them under 10% in risky loans. Your profit 6% per month or after deduction of all commissions of about 4 %. T. e. turning back to the amount of 100k, you pick up all 4k/mesyats. However, it is understood that there is a problem of default risk of loans. However, the liquidity reserve your only 4%, t. e. a month can not afford delays of more than 4%, and to keep the business afloat, and 1-2% at all (well, they should eat, the time for it to collect money from debtors, searching for information on prospective kreditovzyatelyam, the problem of disbursement ).
Under this scheme, although a year and seems to run over the relevant 24% as profit, but too great a risk of failure. T. e. have your business in case you hit a hospital, a trip to Bali or just two weeks of idleness, or busy with other things is risky. T. e. risks on which you plan to make money, have become your attribute, but for a smaller percentage of. Or in other words loyalty to this type of investing has grown through your mediation, but the risks remained the same. I have not seen a business where loyalty to the service provider would help to make more evident in the ass. It is better to work with disloyal kreditovzyatelyami but under 10%, than with loyal under 4%. Do not return the two, but there is a chance that the profit will be returned the disaffected as a result of the above.
However, we proceed to the second chapter of our story. For example, there is some real-life business online or offline, which needs to be expanded at the expense of borrowed funds. To raise funds by 48% per annum, the need for feedback from the business at the level of profitability from the start at least 48% per annum. Who has not realized the obvious absurdity of the idea, for example: home, construction is 70K, the house sold for 150k. In theory, a gain of more than 100 %, but it will be received after one year, provided that the house will be built on time and immediately sold out. In theory this is possible, but life is harsh.
Nevertheless, even if the scheme is real and gives 100 % per annum. Cut the loaf in 48 % - it will have to pay depositors. It remains a nice amount of profit 25k, 100k loan, if drawn. Divide 25 by 12 and see something funny 2 a month, given the scale of the project. And here we must understand that until the profits from the sale, the interest will have to pay out of their. And since its not, then you would pay from the new money raised, reducing the already ridiculous profits ( interest is paid in money, at interest -employed ). Thus, the scheme will work only if the potential profits of 300-400 %, and this is a fantasy or a business outside of the Criminal Code. But even this does not account for the fact that as soon as the growing percentage of profits, rising costs and ammortizatsionnye his confinement at a high level.
And do not forget the fact that even in these troubled times you can draw money at lower interest rates and for longer periods in almost any bank and one tranche. So all the talk about investing in a business I would consider questionable a'priory. If a person does not make money in the bank, then why he should give someone else?.
Let us consider a third option. banal pyramid. Following the money of depositors are covered by interest earned on deposits earlier. The more money involved later on, the longer you can show the stability of the system. If it does not force majeure and the trickle dries.
A stream dries up very quickly. It should appear at the hint of problems, and investors try to withdraw the investment. Such a serious and not every bank will transfer, and only the scheme with no apparent liquidity of the stock and personal income by 2 % - just nowhere to get money. Although this does not justify the fact that the sudden evaporation of nowhere a large sum of money, and further parts of the return is ridiculous. This can only talk about incorrect investing money ( at interest lower than necessary to fulfill the conditions of the scheme ) or misuse (r. e. a month to spend more than 2 %). T. e. money back at least to the extent it has already attracted nowhere.
For those who did not understand, on the fingers. Attracted 100k money at 4% with monthly. 50k is aimed at short- risky loans at 10%. Another 25k invested in satellites. Another 25 will hold for the payment of interest for six months - this will delay the scheme that the business on its feet. T. e. the scheme is operating safely for six months, but with obviously reduced profit. After six months on the sub- 50k have 10 % defaults and 10 % of the profits. T. e. money just froze - business as EB did not go. 25k invested in the purchase of ready satov that after six months half flew, half in the index, but it brings much less than planned, although such a bad thing. There are problems with the first payment, the first noise problems are achieved by withdrawal of the money invested in risky loans. Further more, they all want to return - only to return due to liquidation of the company. All hastily sold dozanimayutsya money on the side (so far offer ). The result is still a hole in the form of the interest that were paid during the company's activities. This hole has patches of its own pretty thinning of a long -time almost infinite. Do you think this scenario is fiction? .
But God is with them, with a failed financiers, but is the scheme -so buggy? . You just have to think realistically. Segment microcredit quite promising. Today it is over 100 percent per annum. Strong blurring of the package will give small loans is quite reliable protection of the bulk of the money from the defaults. Another thing is how to provide such a scheme yields an interesting. So far, the most shitty scheme investments in satellites provides 50-100 % per year (yesterday once thought ), but the financial arrangements can not boast of a real profit of more than 24%. T. e. 100% profits - this is when all the creditors back, but really will not returning part of the loan minus the maintenance of the company and profit increases for the eyes. But if you are in a comfortable size - go for it. I still prefer to invest only in itself as a business.
I myself have been doing fine bablorubov lending, borrowing a little on the stupid things like extending the domain or the purchase of another software. And even with about half the time I run into problems in payments and defaults in the quarter to. Although I am quite negligent in this process, do not use all the right lender reverence, but also the amount, thank God, a small. Uma bought enough to understand that the use of money necessary to take even unfunny interest buddies. On the other hand is much stronger than today, I am concerned about my orders on debtors. Again, the sum grows. With Tuesday's start off sites. However, oftop.
Do not trust anyone? . In my opinion is still interesting is the usual investment with a deferred payment. T. e. at the output you get involved in the final business and return your money. Of course, it's not short loans - I know of projects out to zero just a year and a half. And the probability is not 100 % - the failures are not excluded. But at least you'll be hard to keep a hand on the eggs to them in time to squeeze in case of problems. Read about venture capital. And separately - why Western investors pulled into Russia, and why they are not interested in our natural resources and scientific research, advances in programming and near -IT companies.
Good luck to you and strong nerves! .
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