"25% Guaranteed INTEREST"

Whenever investing money, you should know the difference between; "return" and "interest."
Financial Advisers and Money Managers will say; "You cannot guarantee a return." The truth is, they are correct, because a "return" is based on profitability. For example; if you were to invest money in a company who promises to repay you 10% of their "bottom line" profits, but they do NOT show a profit, you make NO money!
You see, you would be considered a "STOCK HOLDER." If you own "stock" in a company, and the company ceases to do business - YOU LOSE! Mutual Funds and Stocks fall into the category of - "return." One CANNOT guarantee a "return." You may win, or you may lose...
However, one can "guarantee" interest! For example; when you go to your bank and invest money in a Certificate of Deposit, the bank will "guarantee" an interest rate for a period of time.
Banks have been "guaranteeing" interest rates for many years, and their rate, and your investment is backed by the bank's assets and the FDIC.
The challenge arises when we take a look at the bank's asset vs "liability" ratio. If the bank (or any company for that matter), has a high, "liability" ratio to asset ratio - that bank or company is in danger of NOT being able to repay debts or investors!
For example; if you have been living on a salary of $50,000 per year, your lifestyle will in most cases reflect that income level. However, let's imagine you are offered a new job which will pay you $200,000 per year, and you decide to take this high paying job. Guess what will eventually happen? YOUR LIFESTYLE WILL EVENTUALLY REFLECT THE INCREASED EARNINGS.
You may purchase; a larger home, a new car(s), new clothes, or go on vacation more often, etc. Observe what has happened in America. We have gotten ourselves into debt, and borrowed to get out of debt. However, we now need to find money to pay off our National debt! This is a perpetuating cycle that many people have found themselves in, and it's spreading throughout our world!
Now, let's imagine you were to lose that high paying job...
Your lifestyle has grown to reflect a higher salary. You have credit card debt, Mortgage debt, Auto loan debt, and your investments have declined. Now you are faced with having to sell items you own - just to survive. You think your house is worth more than it really is worth, and you find yourself having to sell it to have money just to put a meal on the table. However, now you find you owe more on your house than you can sell it for. This is where many people are at today...
Well, many banks and companies are in the same position. You see, whenever a bank or company values their "assets" higher than what they really are - their liabilities tend to go up, as well. Then, when trouble hits, these banks and companies find themselves "upside down" - having to "sell their assets" in order to repay debts. If their assets are not worth as much as their debts - Bankruptcy! And, as we can clearly witness, we have a Country who is choosing to BAILOUT some companies, in spite of mis-management! Where will it end? Companies who have chosen to pay lofty salaries, purchase high-priced forms of transportation, spend millions of dollars on frivolous vacation and "meeting" places, are receiving "bailout" money, when the people who deserve help - are NOT receiving it!
So we can see that "guaranteed interest" can be a successful and safer way to invest, only if the company backing the investment, "conservatively values their assets, and keeps their liabilities low."
There are "Private Equity" Companies who raise capital to do various projects, and have done just that. Their assets are conservatively valued, and their liabilities are kept to a minimum - with no lofty salaries, no private jets, and no frivolous spending habits. In fact, the company's "liabilities" are not to exceed 50% of their conservative assets!
For example; there are companies who work solely with "Medical Research and Development." They, develop the newest medical technologies, antibiotics, and cures for diseases. They use investor capital to purchase existing technologies and inventions. With their own doctors and scientists, they develop each company in order to "take the company public," or to sell it to a major pharmaceutical company. Their total return on investment averages 346%!
Investors in this specific vehicle are "guaranteed" 25% interest. An investor has the option to receive monthly interest checks, or to compound the interest at 25% - daily! If an investor decided to compound the interest, that investor would "double their money" in about 2.8 years!
As compared to a "stock holder," and investor in this particular vehicle will receive an "insured Bond," and be considered a - BOND HOLDER. You see, in the event of company closure, the "stock holders" have nothing to receive because their "return" is based on "profitability." THEY LOSE EVERYTHING! However, if an investor holds a "bond," which is backed by assets and the company decides to cease doing business - the bond holder has "something valuable" to claim!
For example; You loaned me $20,000, and I promised to repay you 25%(APR)interest, each month for 3 years. In addition, I legally backed this investment with my house, which is valued at $1 million - with NO Mortgage. If I did not repay you, you would be the owner of my house! Now, let's say the housing market had declined, and my house is now worth $800,000. You are still the owner of an $800,000 house! You would be able to; live in it, rent it or even sell it for $600,000, give someone a "smoking deal," and walk away from this transaction $580,000 richer!
Remember, when placing money in an investment that is backed by "assets," the liabilities should be kept to a minimum, and the assets should be conservatively valued.
You may ask; "why haven't I heard of this sort of investment?"
You will have to understand that whenever companies such as this example, raise "capital," they need to raise large amounts of it - $50 million - $200 million. Thus, their "minimum" investment has historically been $1 million - $5 million. Many banks invest in this kind of investment - receive high interest rate payments - and give you 1.99% interest on your CD! Who is really making the money here?
Do you have $5,000 to invest? Provisions have been made so that the general public can take advantage of high-interest rate payments. The minimum investment amounts have been substantially reduced so that most people can participate - and finally regain the money they have lost in stock market investments.