Sunday, March 9, 2014

   Think Swiss Annuities Are Safe?       
                Think again!

For countless decades the Swiss Banking and Insurance industry has celebrated a sparkling and sterling image. But that image has recently been severely tarnished and badly shattered? Discover the startling and unsavory dilema of my true story.

What is an annuity?
An insurance company issued annuity is a financial investment that creates some retirement security as the policy matures, and as designed, is structured to return monthly retirement payments to the holder or designated heirs over a period of time as described at the policy’s conception. Annuity Insurance policy funds may be borrowed against, and can be fully redeemable by the policy holder as sated within.
          ________________   .  _________________
                
                A Safe Investment?
That was a simple given as initially agreed. As time passed all was in order, or at least it appeared to be.
But, during the coarse of my active policy maturing period, a Swiss administrator contacted myself and arranged a meeting with me here in the U.S. I was quite impressed that my policy investment of $70,000 was important enough that a high ranking member (V.P.) of the management company would travel to the United States to confer with myself regarding my policy.
  
The Bait & Switch:
Out of sheer curiosity I agreed to meet with the insurance companies (CapitalLiban) Swiss Representative, and following lengthy discussion, was prompted to change my  supposedly outdated standard annuity policy to a multi-asset policy configuration that would be of greater value with greater financial yield at maturity. I was compassionately assured that this change was a safe and sane direction, and the accompanying literature supplied by my Swiss  Rep. boasted of its Asset Protection and Swiss Safety Guarantees. With the reputation and strength that Swiss investments enjoyed, I felt quite assured this was a safe and protected upgraded move.

All seemed in order after this change of policy occurred. And, as the years passed and the policy matured as intended to allocate monthly payments to myself upon retirement at age 72, nothing seemed out of order. After all, as a disabled veteran needing some favorable return, it’s a basic insurance investment providing a typical return on investment at a given age for income supplement.

Troubling signals:
However, approaching policy maturity, 3-4 years ago, I began receiving strange messages from a new policy administration management team.

Enter this new Swiss Financial Group POM (Portfolio Management Team Ltd.), or personally referred to as POMM, the (Portfolio Mis-Management Team Ltd).

Suspicion begins to surface:
As several months passed, I became more and more suspicious of POM as reports of wrong doing within the management team itself surfaced. In addition more disturbing signals arose from various Swiss financial sources that all was not well within this new management group.
After several stressful communications with POMM, I began feeling they exhibited a lack of client concern, one that made me quite suspicious of their competency and integrity.

A frightful decision:
At this point I had a lot at stake over the many years of accumulated financial maturity with my annuity retirement supplement. However, I felt that it would be prudent to surrender my Swiss policy and invest in something more manageable and closer to home. 

My decision prompted anger within the POM Mis-Management group and they soon ordered me to immediately return my original policy before they would consider returning my full investment. I immediately complied, and without any benefit of interest nor dividends distribution from my lengthy monetary pledge, that of which I entered into in good faith and trust. I unfortunately uncovered a scheme of many years in the making as they operated with my money without any compensation to myself whatsoever.

What a shocker:
During my lengthy wait time to be fully reimbursed, I received communications from the POM Mis-Management Team that they would no longer represent me since I surrendered my policy and they were now waiving any responsible nor help for recovering any financial transactions between us. This was a shocker to say the least. 

Eventually, after several more long months, POMM contacted me and asked for my bank acct., and routing number. Shortly afterwards, I received a bank notice that a deposit was recorded I my account from a Swiss Bank. I was overjoyed only to discover that only one-half of my investment had been returned, and without any accounting of the remaining balance, nor interest or dividends for 13 years use of my investment money. 

It became quite clear:
Since it’s now obvious that this policy change was a flawed strategy and largely responsible for providing me with a sense of false security and safety while prompting me into a questionable and destructive policy. We all know the scheme as Bait & Switch that they now claim was not safe and sane as boldly stated in their multi-asset policy literature.

The fraud, theft, and co-conspiracy:
For instance, POM’s recent 2012 refusal to honor my request to disclose and inform me of where my remaining funds (appox. $40,000) were being held, and refusal to fulfill my 2012, & 2013 request for mandatory disclosure of these funds for IRS tax reporting purposes triggering an IRS non-compliance situation for myself.

This alone is self-incrimination of the conspiracy that the POM Mis-Management and theft Team has been engaged in for several years now. And, all the while claiming my remaining funds were non-liquidable. This non-liquid fraud has spanned several years and has taken my retirement investment and rendered this occasion as a dilemma instead of a welcomed return on investment.
After many years of receiving fictitious end-of-year financial statements from POM describing my  investment in full, I no longer receive statements and they claim the balance due of my remaining money has disappeared, and vanished.


Were my investment funds lost in bad investments or were they just appropriated by members of the Swiss cartel? There has never been an accounting of these mis-appropriated funds offered by POM to date.


Others are involved:
My policy has transferred within several banks and Insurance companies since inception. And, now after all this time I’m casually informed half my investment has evaporated in thin air while all along playing and baiting me into belief all is well and my retirement is in place and safe. So far I’ve been able to determine that multiple Swiss companies are party to this overreaching theft of client funds. And, my investment has been well masked and well hidden under the veil of deceit, lies, phony financial statements, half-truths, a possible criminal co-conspiracy, and now possibly embezzlement of client funds.
 
I want to hear your story:
If you have been victimized in the same or similar manor, please contact me by email at ...... pdisme@yahoo.com

I am at this time seeking help identifying a Swiss Govt. Regulatory Agency to file a criminal complaint with, or possible a class action law-suit may be in order if others will step forward. This theft will not go unnoticed, and I encourage anyone that has similar harm to please republish my true story throughout the internet and internationally to anyone and everyone in the worldwide investment, financial, private, or business sector to alert their clients, family and friends of these developing wrong doings, and or possible criminal activities.

If you seek a safe investment haven, keep it within your borders as there is little safety from beyond. Especially not Switzerland with the recent Swiss Banking scandal regarding money laundering and Ponzi activity.

Sunday, February 2, 2014

A sorry State of the Union...Judge Napolitano


NAPOLITANO: A sorry State of the Union
Obama has a lot to answer for

By Andrew P. Napolitano
January 29, 2014

What if the state of the union is a mess? What if the government spies on
all of us all of the time and recognizes no limits to its spying? What if
its appetite for acquiring personal knowledge about all Americans is
insatiable? What if the government uses the microchips in our cellphones to
follow us and listen to us as we move about?

What if the Constitution expressly prohibits the government from doing this?
What if the government has written laws that are interpreted in secret by
judges who meet in secret and are applied by federal agents who operate in
secret and their secret behavior doesn't even resemble what the laws say
they can do?

What if the feds have seized the content of every text message, email,
mobile and landline telephone call, utility bill, credit card bill and bank
statement of everyone in America for the past four years? What if no law has
authorized them to capture this?

What if, when asked by members of Congress, in public and under oath,
high-ranking officials, at least one with ribbons on his chest and stars on
his shoulders, lied about what the government is doing?

What if the government's spies have so insinuated themselves into our
computers that they can capture every keystroke we press on all of our
computers before we hit "send"? What if the feds have hacked into the
servers of every major computer-service provider in the country, and they
know what we have typed before we even make corrections?

What if the feds have a copy of what we have deleted? What if our typed
innermost thoughts and even second thoughts that were never sent in emails
nevertheless reside in the government's data bank?

What if the president knows all this and supports what his spies are doing?
What if he secretly authorized all this, but only admitted to some of it
when he got caught? What if he uses his spies to tell him what he wants to
know about those who oppose him?

What if the president sold Congress and the country a Trojan horse called
Obamacare? What if he promised that under Obamacare you could keep the
health insurance you had before Obamacare, and he lied, and he knew it? What
if he promised that under Obamacare you could keep the same physicians who
treated you before Obamacare, and he lied, and he knew it?

What if Obamacare made insurance coverage so expensive that some people lost
their jobs because their employers could not afford to pay for it? What if
under Obamacare more than 6 million Americans lost their insurance coverage
overnight and most haven't gotten it back yet? What if this was the
president's plan all along so that he could orchestrate a government
takeover of the health insurance industry?

What if the secretary of defense and the chairman of the Joint Chiefs of
Staff told the president one night that our consulate in Benghazi was under
attack by organized al Qaeda troops while the attack was taking place?

What if the president did nothing about it? What if the president knew the
truth about the Benghazi attack, but for three weeks claimed that the attack
was just an out-of-control political demonstration by fanatics who were
upset about a cheap, 15-minute, low-grade movie that never made it into
theaters?

What if our ambassador to Libya died in that attack and the president
covered up the facts surrounding his death? What if the president dispatched
our U.N. ambassador to all major TV networks to hide the truth? What if he
tried to promote the lying U.N. ambassador to secretary of state?

What if, in five years, the president has borrowed more than $6 trillion and
spent it all on his favorite industries and risky bailouts and fruitless
wars, and now has nothing to show for it but the debts that will one day
come due? What if the government claims the unemployment rate is 6.7
percent, but so many people have stopped looking for jobs that it is really
10.2 percent?

What if the president alone has increased the number of people on food
stamps and increased the amount of money they each receive? What if half of
the adults in the nation are now receiving material assistance from the
government in the form of money the government has borrowed? What if
generations of Americans as yet unborn will be obliged to pay back the money
the president has borrowed and given away?

What if nearly two-thirds of Americans simply don't trust the president's
judgment? What if the president alone raised the minimum wage to be paid to
workers on federal projects? What if the president has threatened to use his
pen and his phone to operate the government in ways the Constitution
forbids?

What if the Constitution makes clear and the courts have underscored the
truism that the president cannot modify or amend or postpone the effective
dates of federal laws? What if the president has modified and amended and
postponed federal laws so as to help his friends and wound his foes?

What if the president has tried to force the Little Sisters of the Poor to
pay for contraceptive services that they cannot use and that are prohibited
by the Roman Catholic Church? What if the Sisters sued the president and
asked the court to relieve them of the burden of paying for contraception?

What if the president resisted the Sisters' lawsuit and questioned the
sincerity of their religious beliefs? What if the Supreme Court stopped the
president from forcing the nuns to pay for contraception before it even
heard their case?

What if the president has discussed none of this in his State of the Union
address? What if the president thinks that during his second term in office
he answers to no one? What if the president lives and works surrounded by
those who reinforce his beliefs? What if he has rejected his oath of
fidelity to the Constitution? What will he do next? What will we do about
it?


Andrew P. Napolitano, a former judge of the Superior Court of New Jersey, is
an analyst for the Fox News Channel. He has written seven books on the U.S.
Constitution.

--------------------------



Thursday, January 23, 2014

Where Is Your Spine, America?


Laura Hollis is an attorney and teaches entrepreneurship and Where is your spine, America ?
Where is your spine, America ?  

November 20, 2013|10:42 am 
  
The unveiling of the dictatorial debacle that is Obamacare absolutely flabbergasts me. It is stunning on so many levels, but the most shocking aspect of it for me is watching millions of free Americans stand idly by while this man, his minions in Congress and his cheerleaders in the press systematically dismantle our Constitution, steal our money, and crush our freedoms.
The President, Nancy Pelosi and Harry Reid (with no small help from Justice John Roberts) take away our health care, and we allow it. They take away our insurance, and we allow it. They take away our doctors, and we allow it. They charge us thousands of dollars more a year, and we allow it. They make legal products illegal, and we allow it. They cripple our businesses, and we allow it. They announce by fiat that we must ignore our most deeply held beliefs – and we allow it. 
  
Where is your spine, America ? 
  
Yes, I know people are complaining. I read the news on the internet. I read blogs. I have a Twitter feed. So what? People in the Soviet Union complained. People in Cuba complain. People in China complain (quietly). Complaining isn't the same thing as doing anything about it. In fact, much of the complaining that we hear sounds like resignation: Wow. This sucks. Oh well, this is the way things are. Too bad. 
  
Perhaps you need reminding of a few important facts. Here goes: 
  
1. The President is not a king. Barack Obama does not behave like a President, an elected official, someone who realizes that he works for us. He behaves like a king, a dictator – someone who believes that his own pronouncements have the force of law, and who thinks he can dispense with the law's enforcement when he deigns to do so. And those of us who object? How dare we? Racists! 
  
And while he moves steadily "forward" with his plans to "fundamentally transform" the greatest country in human history, he distracts people with cheap, meaningless trivialities, like "free birth control pills"! (In fact, let's face it: this administration's odd obsession with sex in general - Birth control! Abortion! Sterilization! Gay guys who play basketball! -- is just plain weird. Since when did the leader of the free world care so much about how people have sex, who they have it with, and what meds they use when they have it? Does he have nothing more important to concern himself with?) 
  
2. It isn't just a failed software program; it is a failed philosophy. People are marveling thatHealthcare.govwas such a spectacular failure. Well, if one is only interested in it as a product launch, I've explained some of the reasons for that here. But the larger point is that it isn't a software failure, or even a product failure; it is a philosophy failure. 
  
I have said this before: Obama is not a centrist; he is a central planner. And this – all of it: the disastrous computer program, the hundreds of millions of dollars wasted, the lies, the manipulation of public opinion, the theft of the public's money and property, and freedom (read insurance, and premiums, and doctors) -- IS what central planning looks like. 
  
The central premise of central planning is that a handful of wunderkinds with your best interests at heart (yeah, right) know better than you what's good for you. The failure of such a premise and the misery it causes have been clear from the dawn of humanity. Kings and congressmen, dictators and Dear Leaders, potentates, princes and presidents can all fall prey to the same imperial impulses: "we know what is good the 'the people.' 
  
And they are always wrong. 
  
There is a reason that the only times communism has really been tried have been after wars, revolutions, or coups d'état. You have to have complete chaos for people to be willing to accept the garbage that centralized planning produces. Take the Soviet Union , for example. After two wars, famine, and the collapse of the Romanov dynasty, why wouldn't people wait in line for hours to buy size 10 shoes? Or settle for the gray matter that passed for meat in the grocery stores? 
  
But communism's watered-down cousin, socialism, isn't much better. Ask the Venezuelans who cannot get toilet paper. Toilet paper. ¡Viva la Revolución
  
Contrary to what so many who believe in a "living Constitution" say, the Founding Fathers absolutely understood this. That is why the Constitution was set up to limit government power. (Memo to the President: the drafters of the Constitution deliberately didn't say "what government had to do on your behalf.") They understood that that was the path to folly, fear, and famine.) 
  
3. Obama is deceitful. Just as the collapse of the computer program should not surprise anyone, neither should we be shocked that the President lied about his healthcare plan. Have any of you been paying attention over the past few years? Obama has made no secret of his motivations or his methods. The philosophies which inspire him espouse deceit and other vicious tactics. (Don't take my word for it: read Saul Alinsky.) Obama infamouslytold reporter Richard Wolffe, "You know, I actually believe my own bullshit." He has refused to be forthcoming about his past (where are his academic records?). His own pastor, Rev. Jeremiah Wright, told author Ed Klein, that Obama said to him, "You know what your problem is? You have to tell the truth." 
  
Did Obama lie when he said dozens of times, "If you like you plan, you can keep it. Period!"? Of course he did. That's what he does. 
  
4. The media is responsible. And had the media been doing their jobs, we would have known a lot of this much, much earlier. 
  
The press is charged with the sacred responsibility of protecting the people from the excesses of government. Our press has been complicit, incompetent, or corrupt. Had they vetted this man in 2008, as they would have a Republican candidate, we would have known far more about him than we do, even now. Had they pressed for more details about Obamacare, Congress' feet would have been held to the fire. Had they done their jobs about Eric Holder, Fast and Furious, Benghazi, the IRS scandal, NSA spying - or any of the other myriad betrayals of the public trust that this administration has committed, Obama would likely have lost his 2012 reelection campaign. (A fact that even The Washington Posthas tacitly acknowledged. Well done, fellas! Happy now?) 
  
Instead, they turned a blind eye, even when they knew he was lying, abusing power, disregarding the limits of the Constitution. It was only when he began to spy on them, and when the lies were so blatant that the lowest of low-information voters could figure it out that they realized they had to report on it. (Even in the face of blatant, deliberate and repeated lies, The New York Times has the audacity to tell us that the President "misspoke.") They have betrayed us, abandoned us, and deceived us. 
  
5. Ted Cruz was right. So was Sarah Palin. The computer program is a disaster. The insurance exchanges are a disaster. What's left? The healthcare system itself. And this, of necessity, will be a disaster, too. 
  
Millions of people have lost their individual insurance plans. In 2015, millions more will lose their employer-provided coverage (a fact which the Obama administration also knew, and admitted elsewhere). 
  
The exorbitant additional costs that Obamacare has foisted on unsuspecting Americans are all part of a plan of wealth confiscation and redistribution. That is bad enough. But it will not end there. 
When the numbers of people into the system and the corresponding demand for care vastly exceed the cost projections (and they will, make no mistake), then the rationing will start. Not only choice at that point, but quality and care itself will go down the tubes. And then will come the decisions made by the Independent Payment Advisory Board about what care will be covered (read "paid for") and what will not. 
  
That's just a death panel, put politely. In fact, progressives are already greasing the wheels for acceptance of that miserable reality as well. They're spreading the lie that it will be about the ability of the dying to refuse unwanted or unhelpful care. Don't fall for that one, either. It will be about the deaths that inevitably result from decisions made by people other than the patients, their families, and their physicians. (Perhaps it's helpful to think of their assurances this way: "If you like your end-of-life care, you can keep your end-of-life-care.") 
  
6. We are not SUBJECTS. (or, Nice Try, the Tea Party Isn't Going Away). We have tolerated these incursions into our lives and livelihoods too long already. There is no end to the insatiable demand "progressives" have to remake us in their image. Today it is our insurance, our businesses, our doctors, our health care. Tomorrow some new crusade will be announced that enables them to take over other aspects of our formerly free lives. 
  
I will say it again: WE ARE NOT SUBJECTS. Not only is the Tea Party right on the fiscal issues, but it appears that they are more relevant than ever. We fought a war once to prove we did not want to be the subjects of a king, and the Boston Tea Party was just a taste of the larger conflict to come. If some people missed that lesson in history class, we can give them a refresher. 
  
The 2014 elections are a good place to start. Call your representative, your senator, your candidate and tell them: "We are not subjects. You work for us. And if the word "REPEAL" isn't front and center in your campaign, we won't vote for you. Period." 
  
And this comes from Notre Dame  What a powerful and true letter!