₦airaland Forum

Excellent Christians Investment Club
korededavid@yahoo.com, 08033979979
November 14, 2007
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Introduction to Investment Club Membership.
We are in the process of starting an Investment Club. Yes, that's right. The great thing is that we would like you to be one of the founding members.
You may be thinking right now that you know nothing about stocks or investing, so you can't join. That's the beautiful thing about this investment club. We are all relative novices at investing, so we can all learn together in an Investment Club.
But you don't have enough money. No problem there either. At our first meeting we will decide on monthly payments, but they will be no more than N5, 000 per person per month.
But you don't have the time? We will have one meeting per month that will last about 1' to 2 hours. You will be expected on occasion to do some stock research. We will all learn how. That may take a couple hours at first, then about an ' hour when you know what to do.
All the rest of the details we can figure out later. We both want this to be an interesting activity where we can all learn together, and, make some money in the stock market without much risk involved.
The date for the Introductory Meeting will be advice later. As soon as we conclude on this, DATE, TIME and ADDRESS will be forwarded to you.
We look forward to receiving your notice of interest so as to reserve a space for you in the club sit as we are considering a limited number of people for the start up of this club. You could send your Notice through text message to 08033979979 or email korededavid@yahoo.com.
It is important to let you know that NO MONEY WILL BE NEEDED AT THE FIRST MEETING.
Looking forward to hearing from you’ this will be great!


[b]Things to know.[/b]An investment club is a group of people who pool their money to make investments. Usually, investment clubs are organized as partnerships and, after the members study different investments, the group decides to buy or sell based on a majority vote of the members. Club meetings may be educational and each member may actively participate in investment decisions.
Investment Clubs are run under the following simple rules, and can be modified in many ways: an Investment Club is a group of 12-15 people, usually organized as a legal partnership. The Club has officers, and each member is expected to participate by:
1. attending each monthly meeting;
2. making a minimum monthly contribution, usually N2,000 or so (but you could contribute more);
3. Researching and following the progress of a particular stock or family of stocks that the Club has bought or is considering for purchase.
The Club's portfolio is determined by the members; a designated member deals with the Club's broker to execute buy and sell orders; the value of each member's share is determined by his/her capital contributions to the Club and the total value of the Club's portfolio. There is a clear Club accounting guidelines and software that will help with the bookkeeping, and make it possible to keep track of partners who invest different amounts each month. An Investment Club depends on the involvement of all its members; remember, there are no silent partners in successful Clubs.
At the minimum monthly contribution level of N3, 000, almost anyone can participate in an Investment Club. The only requirements are a willingness to work and participate; and the ability to get along with the other members of the Club. As a legal partnership, you should approach the idea of a Club as going into business with fifteen people -- all fifteen have to be people you trust and people who will trust you in return.
It may also interest you to know that an Investment clubs usually do not have to register, or register the offer and sale of their own membership interests, with the SEC. But since each investment club is unique, each club should decide if it needs to register and comply with securities laws.
Since the Securities Act requires the registration of the offer and sale of most securities, the investment club must first decide if its membership interests are "securities." Generally, a membership interest is a security if it is an "investment contract."
Generally, a membership interest is an investment contract if members invest and expect to make a profit from the entrepreneurial and managerial efforts of others.
If every member in an investment club actively participates in deciding what investments to make, the membership interests in the club would probably not be considered securities. If the club has any passive members, it may be issuing securities.
Sometimes offers and sales of securities do not have to be registered because they are exempt under the law. For example, a non-public offering is exempt.
An investment club must register with the SEC as an investment company under the if all of the following three conditions apply:
1. the club invests in securities,

2. The club issues membership interests that are securities

3. The club is not able to rely on an exclusion from the definition of Investment Company.
For example, a "private investment company" may not need to register with the SEC. To qualify, an investment club
• must not make, nor propose to make, a public offering of its securities, and

• must not have more than 100 members
An announcement that a club is looking for new members might be considered a public offering, but this is determined on a case-by-case basis. An attorney with experience in securities law can help the club determine if its membership interests are securities, and if the club is making a public offering of those securities.
If the adviser is compensated for providing the advice regarding the club's investments, the adviser may need to register according to the Investment Advisers Act. Also, if one person selects investments for the club, that person may have to register as an investment adviser.
In general, a person who has N25 million or more in assets under management is required to register with the SEC under the Investment Advisers Act.
A person managing less than N25 million may be required to register under the securities laws of the state or states in which the adviser transacts business.
Both the Investment Advisers Act and many state laws do not require registration for advisers with a small number of clients
money back') of most Clubs will often be less than the capital contributions of its members during the first year or two. That is to say, investing in the stock market is a long-term proposition, and you may only see your contribution increase in value after the first year or so of a Club's operation.
You should expect to make a long-term commitment, and the partners usually decide to include a clause that addresses the early withdrawal of funds (other than in the case of unusual circumstances).
Most Club members also eventually begin their own individual portfolios, armed with the knowledge and skills they gain from belonging to the Club.

Warning:
Before you join an investment club, you should definitely take a look at your finances. If you have any free capital that is not used for bills, payments, and so on, you might consider investing. However, if you are in severe debt, you probably shouldn’t join an investment club, as the odds are you will lose money before you begin to gain any. Our best advice: do not invest beyond your means!
Some Mutual benefits In Investment Club.
Personal risk is low. Even though the money that your club has to invest can be quite large, your own personal contribution can be very minimal. This way you’re not risking a lot of your money while you learn how the stock market works. You can still make some great investments but your loss factor will be manageable for you. Keep in mind that when your club makes a profit, no matter how small, the amount must be distributed throughout the investment club membership.
More room for profit. Recent studies of investment clubs show that when a group of people make investment decisions after a series of discussions and debates, the potential for profit is greater than when individuals make their own decisions about where and how to invest their money.
Similar interests. Members of an investment club enjoy getting together on a regular basis to discuss the investment market and to learn more about a subject that greatly interests them.
Invest regularly. Investment clubs have the ability to invest in the stock market even when the market is dropping or is slow. Because the money in spread out among a group of members the room for huge personal loss doesn’t exist.
Reinvest. Since most members are part of an investment club for fun, and to learn more about the stock market, there will be more room for reinvesting the gains and dividends that are earned from successful investments. When you invest on your own you won’t be as willing to part with earned investment money and reinvest everything that you gain.
Spread out investments. When you’re investing with a group of people you can diversify your investments and not limit yourself to just one or two market choices.

For who?
Starting out. If you’ve always wanted to invest in the stock market but been reluctant to lose large sums of money because you don’t know what you’re going to do, then an investment club is great for you since you can be part of a large investment team.
Low investments. If you only have a small amount of money to invest each month, such as N3000 to N5,000, then an investment club is perfect for you. You can invest small amounts of money into the larger combined total of the entire club.
Investing education. If you’ve always wanted to learn more about investing in the stock market, but you keep putting your interest aside, an investment club is a great way to inspire you to attend meetings and learn more about how to invest.
Socializing. Getting together with a group of people with similar interests is an enjoyable way to learn about something that you’ve always wanted to be knowledgeable about.
Inspiration. When you can safely work with people with similar interests you’ll be inspired to take chances and learn as much as you can about investing.

Our goals are:
• To learn about investing in stocks
• To make a return on investments.
Objectives:
i. To make profit through stock marketing.
ii. To ensures safety of capital by divesting into money marketing.
iii. To sustain the club through investment in real Estate and involve in other Business ventures.
iv. Our investment horizon are in Short, Medium or long term.

Africa my Africa! Our brothers Keeper or Killer? If your idea really worth it. Be bold, name your Price and come out clear with what you have to Offer. For crying out Loud how will I put a consideration on what has not got a detail. Is this an Abra-ca-da-bra? Shine your

Fear not!,
I think the most important thing here is where will you spend your eternity. Are you sure you will not be here after rapture.

Jesus said all this signs are just the begining of an end. So all must make a choice now to stay here after rapture or to move out of here in rapture.

Shallom!

Call Debo on 08058107279.

Please let me have your contact or text your number to 08033979979.

Hmmmmmmmmmmmmm This story again?

women of today are one major problem that drives men into adultry

1 they will not allow you to have wifey no two

2 they don't know how to take good care of their men

3 they tend to forget the husband when they have children

4 some of them don't even know how to take good care of themselves after marriage etc

We must appreciate when people talk from experience. I suspect Osere is a married man. I will like all female in this house to learn from this.

Truth is bitter but it is always constant. In a matter like this, your can never get a cure without first getting the cure.

Reality about marriage are not what we read in the books, they are issues that are peculiar to every individual.

Love, Sex and affection are other things I also see as cure to infidelity. Spouse must understand themselves in this three areas.

Chill out dude. God is not universal but the concept is. So your god is not is not accepted by everyone therefore he/she/it/ is not universal

Haven't you heard that there is no other name giving unto man through which he might be save?

If no be God "The Father of My Lord and Saviour Jesus Christ" e no fit be God.

All other gods na so so yeyeooooooooooooooooooo

The Kingdom of the Devil will never Stand let every one say amen to that.

More exposure of the Kigdom of the dark. For God sake why will people love and admire things like ,

Can you please call me on 08033979979 to provide some further information or send an mail to recieve our enquiries form.

THANKS.

thanks for yourinterest.

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Should you need to get my full catalogue send mail to globalvilakoncept@yahoo.com of call for any other enquireis 08033979979

Looking forward to doing business with you.

In the Name of Jesus Christ, every Knee must bow. It has been writen that Devil has been overcome by the Blood of Jesus and the testimony of the Saints.

All the Temple of evil in here is destroyed by fire in Jesus name.

The Kingdom of devil can never stand.

all i know is that d original bible revealed 2 jesus<pboh> preaches exactly what da quran preach.But some people altered it 2 suite them.settle d mis-understanding among u and have a unified means and place of worship, christians are in total confusion as every denominataion claims superiority.

Now you can hear the voice of our adversary. Devil is always around looking for whom to devour. Let the Christians understand that there is no other way to make heaven except Jesus Christ. Some Call Him "Anobi Isa omo Moriamo". However,beleive Him, that is the only Son of God.

Christianity is just a religion but the most important is your soul. Give your life to Christ.

God is Spirit and those that serve Him shall do so in in Spirit and TRUTH . Jesus is the Way, Truth,

If Judaism claim to Serve God and they do not beleive that God and His words, What kind of service could that be. Judaism is a deception get that fact clear. There are many religion like that.

So any religion who do not accept that Jesus Christ is the only Son of God and the Jesus Christ is Lord is not leading to service of the same true GOD. Remeber there are many gods but there is only one True God. Father of Jesus Christ.


To your main concern the same is applicable

I hope you have good editors and proofreaders O. 'Cos if you use the same language and commit the same errors of english as you have done in your earlier posts, then that book will only be good enough for the trash! I mean, where is our excellence?

You need not judge everyone with the internet posting. And besides you must understand that no man is an Island when it comes to writing books.

Wait and see and then you can make your critque.

In the mist of happiness there is brital danger, I will like to alert member in this house to be careful with those they exchange plesantries and connect. I have seen People using the goat head symbols (Symbol of the Satan) in this rooms. Beware antichrist are around. read more to improve your discerning Spirit on:

www.jesus-is-savior.com
www.trosch.org
www.exposingsatanism.org

That you do not beleive in God? I do not beleive you!

The book is tittled "A move to Financial Freedom" The book is simply presenting to people some underlining principles to Command God Blessing. The book will suggest in a more practical terms the way out of Poverty. It will present on some issues ranging from Should a true Christian be rich?, Why are Christians Poor? it will also dealth with a hidden secrete in Tithe.

Just Look out for more.

I only know something that is the basis for any Christian Church. It must be bible beleiving. They must rooted in the acceptabilty of Jesus Christ As Lord and Saviour.

Anything Short of this? if truely Catholic is Short of this. To Catholic in the house they must make amend it is never too late. If it just an insinuation may God forgive the Poster of this message. God may have a purpose for some generation. It is difficult if not impossible to appreciate light without darkness.
In John 17vs 21 the vision of Our Lord Jesus Christ is clear "That his own true worshiper may all be one"

God is universal as long as you are not talking of god represented by any object.

God is universal as long as you are not talking of any other God except the Father of Jesus Christ.

God is universal as long as the God is the true creator of Heaven and Earth recorded in the Holy bible.

Any other god na yeyeooooooooooooooooooooooooooooo

I feel there are some issue that need not damble into because you will eventually soil your self with that unforgivable Sin. (Sin to the Holy Spirit).

Let the name rest and focus on the purpose of the Name. Jesus Came to lifw that you may have life and have life more aboundantly.

Without him in your life you are condemned you will end up in Hell. So accept him today!

Old man that the bible is talking about can easily be appreciated if you got the experience.

There is a life of sin that we are born into. That tendencies to Sin will be there because the body is vulnerable to every temptation from the devil.

But with accepting Christ, and genueine repentance, you are Born again of Water and Spirit. then you become a Spirit Man one no more under the influence of the Sinful nature. There will be temptation but you are fortified against falling into them.

That is why the Old man is dead and behold it has been reborn to new.

It is an experience that might not be appreciated except a step is taken towards this.

Please Contributors should please let us have their names in full for acknowledgement. It is optional please.

Yes there is nothing bad in giving. However, we must develop a sharp decerning spirit to know who is who. Watchout that you don't fall into the temptation. Not all that call me Lord! Lord! will enter the Kingdom of God.

Be careful that you don't sow your seed where you promote the Kingdom of Devil.

There true evangelists when you see them God Ministers to your heart to sow your Seed but for those who have the permanent offering bag?

Please I need your opinion on the Tithe Calculation below:


Yet unresolved
The Acceptable offering and correct tithing.
Tithes Calculation for Business Owners: If you own a business, your "increase" is what is called "profit". It is the gross amount of money you have earned, minus all business deductions. You figure the tithe on that amount, your net earnings, before taxes are paid to the government. God comes first.

Total Income – (Capital + Expenditure) /10
For an example, you start your business with N10, 000 that represent your seed. During the accounting period, you have N25, 000 at hand. We assume you spent N2, 000 for your running cost. This you will have to do. Deduct your Capital (N25, 000 – N10, 000). You are left with N15, 000. Next deduct your N2, 000 expenses incurred; you will be left with N12, 000. Your tithe will then be 1/10 of the N12, 000. That is N1, 200.
Salary Earner: If you are a salary Earner, it is clear you have no Capital apart from strength and good health you invested. So your own calculation will be slight different from a business owners.
Total Income /10
For example we assume you receive N20, 000 per month. All you have to do is divide N20, 000 by 10 (20,000/10) this gives you N2, 000 as your tithe.
On Savings and Investments: As an investor, it is must be understood that an increase is what you invest.
Suppose you were just starting out on tithing, and you had N100, 000 in the bank or other investments. Your regular 10% tithes on earnings you get on the income N100, 000 will be N10, 000. But, let's suppose that instead of paying off that 10% right away, you decide to pay tithes on the earnings of that N100, 00 0.

For simplicity of calculation, let's assume that you're earning 1% interest on that money. So, at the end of 1 year you get 1% interest on N100, 000, which leaves you N1, 000 in earnings. Since 10% of that N100, 000 belongs to the Lord; you owe all of the interest on that 10%. And so, 10% of N100, 000 is N10, 000, and 1% interest on N10, 000 is N100, and so you owe N100 on the Lord's portion.

The remaining 90% of N100, 000 belongs to you, but you still owe 10% on the earnings of that portion. 90% of N100, 000 is N90, 000, and 1% interest on N90, 000 is N900. You owe 10% on those N900 earnings, which amounts to N90.


To contrast, if you had already paid the "whole value tithe" previously, and had N100,000 in the bank earning 1% interest, your earnings would be 1% x N100,000 or N1,000. Your tithe would be 10% of that, or N100."
Gifts and presents: This is important to our Children. Learn to give your tithe early in life.
Every gift in cash and kind (note that bribe is not a gift). So 1 /10 of the value of such gifts are expected as your tithe.

Tithe Calculation in Civil Service & retirement: Many faithful tithers over their working years have questions about tithing their income. They like to know the position of God on their income since government will deduct the tax directly from their pay source.

Since your taxes are deducted from your pay directly, you will have to pay your 10% to God on the amount you actually earn.
For example, if you receive N100, 000 and government deducted 5 %( N5, 000) of the Pay as tax. You will be left with 95 %( N95, 000). Your tithe will be 10% of the 95,000 (that is, N9, 500). God first yes but God also put those in Government in power. We need not be hypocritical about this.



Yet unresolved

Yet unresolved
The Acceptable offering and correct tithing.
Tithes Calculation for Business Owners: If you own a business, your "increase" is what is called "profit". It is the gross amount of money you have earned, minus all business deductions. You figure the tithe on that amount, your net earnings, before taxes are paid to the government. God comes first.

Total Income – (Capital + Expenditure) /10
For an example, you start your business with N10, 000 that represent your seed. During the accounting period, you have N25, 000 at hand. We assume you spent N2, 000 for your running cost. This you will have to do. Deduct your Capital (N25, 000 – N10, 000). You are left with N15, 000. Next deduct your N2, 000 expenses incurred; you will be left with N12, 000. Your tithe will then be 1/10 of the N12, 000. That is N1, 200.
Salary Earner: If you are a salary Earner, it is clear you have no Capital apart from strength and good health you invested. So your own calculation will be slight different from a business owners.
Total Income /10
For example we assume you receive N20, 000 per month. All you have to do is divide N20, 000 by 10 (20,000/10) this gives you N2, 000 as your tithe.
On Savings and Investments: As an investor, it is must be understood that an increase is what you invest.
Suppose you were just starting out on tithing, and you had N100, 000 in the bank or other investments. Your regular 10% tithes on earnings you get on the income N100, 000 will be N10, 000. But, let's suppose that instead of paying off that 10% right away, you decide to pay tithes on the earnings of that N100, 00 0.

For simplicity of calculation, let's assume that you're earning 1% interest on that money. So, at the end of 1 year you get 1% interest on N100, 000, which leaves you N1, 000 in earnings. Since 10% of that N100, 000 belongs to the Lord; you owe all of the interest on that 10%. And so, 10% of N100, 000 is N10, 000, and 1% interest on N10, 000 is N100, and so you owe N100 on the Lord's portion.

The remaining 90% of N100, 000 belongs to you, but you still owe 10% on the earnings of that portion. 90% of N100, 000 is N90, 000, and 1% interest on N90, 000 is N900. You owe 10% on those N900 earnings, which amounts to N90.


To contrast, if you had already paid the "whole value tithe" previously, and had N100,000 in the bank earning 1% interest, your earnings would be 1% x N100,000 or N1,000. Your tithe would be 10% of that, or N100."
Gifts and presents: This is important to our Children. Learn to give your tithe early in life.
Every gift in cash and kind (note that bribe is not a gift). So 1 /10 of the value of such gifts are expected as your tithe.

Tithe Calculation in Civil Service & retirement: Many faithful tithers over their working years have questions about tithing their income. They like to know the position of God on their income since government will deduct the tax directly from their pay source.

Since your taxes are deducted from your pay directly, you will have to pay your 10% to God on the amount you actually earn.
For example, if you receive N100, 000 and government deducted 5 %( N5, 000) of the Pay as tax. You will be left with 95 %( N95, 000). Your tithe will be 10% of the 95,000 (that is, N9, 500). God first yes but God also put those in Government in power. We need not be hypocritical about this.



Yet unresolved

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God Help you ooooo

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