I have heard nothing about e-gold closing. I'll research it when I awaken and see whether this is one of those same 'sky is falling' rumors or not.

I have to get some shuteye now. I have a heavy day tomorrow. Maybe I'll try and awaken early and do a bit of work before my day begins.

God Bless
Faith

Faith,

Can you keep us posted please?

Thanks

So much for going to bed. I was offline for 8 hrs or so and some folks just think it is funny to attack my sites with DDOS. They aren't mission critical sites but nonetheless, I am working to squash those demons.

It is too quite obvious who the culprits are. But who cares. This doesn't affect CELLCFund one bit. But still I have to do this now or do it when I awaken. So I might as well deal with it now.

God Bless
Faith

Hello Faith,

I have read your posts in the 9PNS thread and I thought this lady has a great sense of proportion--very rational and objective. (You know, about that sarcasm bit).
I discovered this thread only tonight (nighttime here in my country). I have read the first 5 pages or so and I am very interested. I have been refunded by JS and I want to invest some of it in something more certain.

Sincerely,

Usahay

Thank you Usayhay for your kudos and of course, thank you for your inquiry.

A PM has been sent.

God Bless
Faith

Hello Fatith,

I have received the pm and I am studying it. Thanks for the quick response.

Sincerely,

Usahay

I certainly reccomend this one. I am in the B plan and in about a month I should have my second payout!

Thanks again Faith for this good program. By the way you talked about something new coming, anything else you can tell us yet?

You can't seem to make up your mind. Just a few hours before this post, you wrote this:

http://www.moneymakergroup.com/forums.html#entry3849048

I'm hearing the egold rumor too. "Supposedly" it was sold a couple weeks ago to the same people who purchased INTGold? But have not been able to confirm this so hoping Faith can find out more...so don't quote me!!!

Oh ya...I'll be making my spend tomorrow Faith...had to put funds into my CEP account.

I have a problem I am trying to figure out here.

In the CELLCFund CEPTrust account, there is 1 payments sent on 15March2007 for $100 and another sent on 11March2007 for $80.

Check Funding $100.00 1092618 Check Funding 03-15-2007 16:42 N/A
Check Funding $80.00 1038614 Fee 03-11-2007 04:24 Fees


The strange thing about them are that it is said to be a 'check' funding. There is no information at all about these two deposits.

Well, we don't take checks. We take US Money Orders via postal mail. And we accept CEPTrust Funds (not checks) and e-gold Funds.

I never knew that CEPTrust allow check funding when sending funds to another member. I can't see such an option in my personal account's backoffice.

So, until someone steps up to the plate and let me know what the 'check' funding is about, we'll just let the cash sit there.

No email. No Plan deposit information. No name. A donation? <LOL>

From my research, the rumors are all just rumors thus far. The comment about e-gold being sold 2 weeks ago was made by one person and hasn't been substantiated. The only thing that I DO know is that e-gold's site performance has been terrible for the past few weeks.

Never fear, we don't keep money in e-gold.

God Bless
Faith

Hi Faith,

I haven't been around in at least twenty pages or so but I've been keeping up with what has been going on here.

First, I want to say congratulations for doing a superb job here. You have been no less than professional especially with the inquiries and the "trolls". You have alot of patience and I for one appreciate that. Thank You!!!

Second, I finally have $100 I would like to invest (and it was tough to get that). I have the address from the last PM you sent to me. I want to invest $50 in each plan so my question is this:

Should I send you a money order for $100 or two for $50?? Thank you Faith and....


God Bless!!

Zeus

Hi again Zeus. Thank you for your continued business with CELLCFund.

Send 2 seperate payments and make sure to note your Plan information in a note or in the memo section of the US Money Order.

And lastly, thank you for your kudos. But sometimes it is hard to keep up the patience but I just remember that all I have is because of God so I 'try' and act appreciative in that regards. And then things get easier ...

God Bless
Faith

hi faith,,,,so this is where u make your mony,,,,cool,,,,,im learning from you,,,keep up the good work,my mmg buddy...

No, monyman, this is not where I make my money. I am the online liaison for CELLCFund. I make my money with my business clients and some of the same HYIPs and AutoSurfs you participate in.

Looking forward to seeing you as a CELLCFund lender.

God Bless
Faith

Hi faith please send me info on how to join cellcfund.

Thanks

All withdrawals and deposits have been verified, confirmed and processed.

All email and outstanding PM inquiries have been addressed satisfactorily.

Thank all of the CELLCFund lenders for making this such a successful and profitable venture.

Welcome aboard to all NEW CELLCFund lenders! We truly aim to please albeit in a quiet, non-assuming manner.

God Bless
Faith

HERE, HERE!!

I definately concur with you Zeus! Nicely said!

Hey faith,

Could you please send me some information about the various plans that you offer, and how I could go about joining?

Thanks,
--Paolo

P.S. Just a suggestion: If I were in your place I'd try and standardize the layout for your site (http://frsa.clubinternetwork.com/cellcfund/index.html). While the design in nice, the fact that not the all pages (e.g. the faqs) follow it makes it look somewhat unprofessional. I've been working in web development for the past five years, and would be happy to make a deal--if you were so inclined (if not, no worries).

Thanks, Justdoit

I appreciate that. Faith has been doing great and I wanted to mention that. I feel that finally I found a place where I feel like I'm gonna make some money. Good Luck to All!!!

Zeus

I have been doing sites since 1995 but for corporate entities' back end applications. To be honest, Paolo, I could care less about the site because it is just a placeholder which simply leads folks here. No transactions or contact is performed from the site. I put up the site in 5 minutes one night and yes, it is unprofessional and will stay that way unless something gives me the incentive to put a 'real' site up in its place. We will eventually put up a marketing face piece but until I find the time ...

It is just myself and Manley as the Car Rental Express business owner here making the engine work and the lenders who quietly make the train progress down the profit track.

PM sent and thank you for your inquiry.


Thank everyone else for their kudos but it is you who drive this train.

God Bless
Faith

Hi Faith,

I am really interested in cellcfund, I have been watching it for a while, reading other peoples comments and jsut trying to do due dilligence.....
and now am ready to step out on Faith. LOL I see that you are very reliable!
Could you please send me the info so that can get started.

Thanks so Much

Always Makingmoves!

Makingmoves, thank you for your inquiry. PM sent.

God Bless
Faith

So how about some more early payouts?

Looking forward to that too...

Hi Faith,

Am I correct in thinking it is your birthday today? If so, Happy Birthday!!

thank you so much! Yes, it is indeed my birthday meldi.

been offline all day. going to read a few posts and then out to a late dinner I go!

I will talk to Manley about early payouts. But it will have to wait until tomorrow, Saturday.

God Bless
Faith

H A P P Y B I R T H D A Y !

Happy Birthday Faith!!

Zeus

Hey Faith,

Thanks for your quick reply.
I tried PMing you back, but evidently I'm not allowed to do that until I have 25 posts (silly, but whatever).

Your plans sound great. I'll be sending you a $100+ money order in a week or two (whenever I get my tax returns back!).

Just one question for you, if you don't mind. Paying out 200% for about six months is pretty impressive--wouldn't a bank give you a better deal? I'm certainly not trying to knock your offer, it just seems odd. Then again, I certainly can't lay claim to running my own business . . . so who knows.

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

Edit: I've been reading through the thread (got up to page 24 now...I'll read the rest after I get some sleep). I have to say, I'm very impressed with the civil and mature way you've handled the hecklers on this thread. Gives me hope for continued human interaction on the internet

Secondly, from what I've read in the previous pages you cannot directly answer my question about private vs bank lending--and would prefer that I talk to Manley directly. That is perfectly fine, but would you mind PMing me a phone-number where I can directly get in contact with him? Once I've discussed this matter with him I'll post what I've learned here, and hopefully save other people the bother. (Though come on guys. I dislike phones with a passion -- but if I'm going to be investing my hard earned money I'm sure as hell going to do as much background research as I can! To invest a bunch of money in a program that you still have reservations in is rather silly, in my opinion. And the phone isn't that scary).

--Paolo

P.S. Happy belated birthday.

Hello Faith,

I just made a deposit today in PLAN A. Egold batch # 78156152.
Will open my email for confirmation sometime later.

Happy birthday.

Sincerely,

Usahay

Happy birthday faith!

Happy Birthday Faith and i made a post in the LightHalzen thread at TG that may of given you a birthday present, helping with the pest problem that you had!

My username there is scowndog.

I hope that you have or had a great day/night

GP

Happy Birthday to Dear Faith

HAPPY - HAPPY Birthday Faith!


- David Meyers

Hi Paolo, you`ll find the answer you`re looking for on page 28 ( here`s the link for quick access http://www.moneymakergroup.com/index.php?s...2764&st=405 ) Scroll down and read Faith`s response to the question; Why not use conventional bank for financing?

--David

Thanks for your reply sharewealth. By now I've read that page (along with every other one in this thread). Guess I should have kept on going last night . . . but it's hard to work up the motivation at 3am .

I am very interested in this program. And, if it works as flawlessly as everything would indicate, I intend to continually reinvest in it for as long as you'll have me ;P.

Cheers. Hope everyone is having a wonderful day.

--Paolo

Thank each and everyone of you for your happy birthday wishes. I was offline enjoying my birthday all weekend and now I am back and ready to go forward with more profits.

All withdrawal and deposits processing have been completed. I have yet to send out confirmation emails but will get to them ASAP. But rest assure that all deposits have been verified and confirmed.

All inquiries have been addressed and ...

God Bless
Faith

Hi faith,

Could you please send me some info about the plans that you offer, and how I could join?I appreciate you being active in this forum.


Thanks,
John

Thank you, David for assisting me here while I was away enjoying my birthday off. Your are a gem, indeed!

God Bless
Faith



John, PM with details sent. Thank you for your inquiry and ...

God Bless
Faith

Thank you Faith, it was an honor. I really am glad to be a part of the CELLCFund group.

I look forward to what`s ahead!

David

Hello Faith,

Just a friendly reminder. I still have not received my email confirmation for the deposit I made on
March 24. Amount is $50, Egold Batch # 78156152.

Sincerely,

Usahay

Yes, Usagay. There must have been an email problem. I'll re-try later this evening. But YES, your deposit for $50 is confirmed as a deposit in Plan A and expect $57 on or before 24April2007.

P.S. This is exactly what the email will say as well. Thank you very much for doing business with CELLCFund.

God Bless
Faith

Thank you, Faith. I was worried the money got lost somewhere.
Now I feel reassured by your post today.

Happy Birthday Faith!

Thank you very much, JC! Looking forward to seeing you here as a lender in CELLCFund.

God Bless
Faith

Fsloan,

I wanted to make a comment about one of your old posts, and it turns into a long deposition. I've been in this arena now for over 2 years and my own perceptions have changed month by month. I guess my feelings about everything I have ever experienced or seen to date came out in much more volume than I had originally expected. I will post this in the topic as well as send it privy to you.

I saw your post dozens of pages back about hard money lenders and short term high risk loans. While it may be valid and I myself am always on the lookout for legitament HYIPs (or mostly "myips" - medium yeild investment programs), there has got to be cheaper credit available then what most hyips offer. I would love to be abe to take a risk on someone or a venture or a business that is willing to pay 10% or 20% a month, but can you really say there is no cheaper lending out there in the world?

Even hard money lenders....lets talk about that. You mentioned "astronomical rates" - what are those exactly? Astronomical rates could be, for the sake of a real estate deal 18% a year or even higher like credit card interest. The average HYIPer would consider that a "low interest stable investment." What about usury laws and loan sharks? I saw an episode of the Sopranos where the one mob guy was going to charge 5% a week compounded. That's about 21% a month which is your higher yeild MYIP or stable - risky program. We're talking about people who are willing to lend thousands or even hundreds of thousands of dollars with no collateral and no business plan, or even for illegal purposes. They don't care because they know you are going to pay it back, or you are going to get very hurt. Yet they charge rates we consider "average" or medium to "higher risk" if you're ranking an HYIP, and the world calls them loan sharks. Of course the average guy does not want to be in debt to the mob, but if loan sharking is the epitimy of being "gouged," how do these HYIPs/MYIPs really exist? There has got to be cheaper credit out there no matter what your credit is like or what the purpose of your capital raising.

For example, take prosper.com. That is very interesting website and concept: matching every day Joes with capital needs with people willing to take a chance on something probably "higher risk." There is a whole slew of people shopping around for what most would consider high interest rates. Some people are just trying to get out of debt, some are trying to get enough money to re-model their front deck, some are trying to start up a business, but the bottom line is that just about all of them are able to find that people are willing to provide them capital at about an 8-27% interest a year range, even the ones with HORRIBLE credit. I'm talking about people with bankrupcies or just plain poor credit who are able to raise 40k capital to start a business or pay off credit cards at 24% a year. If banks are one end of the legitament spectrum, then surely prosper.com is about the other end of the legitament spectrum. Even further down the road into the illegitament are loan sharks who seem to offer cheaper credit then the average HYIPer is willing to invest for.

You have to ask yourself as a serious investor why the person you are lending money to is willing to pay 10-50% a month when cheaper credit is all around them from banks, to prosper.com, to miscelaneous.

Let's talk about the different types of ventures/hyip-myip programs, and the way we tend to rationalize their believability, myself included. People want some kind of a guarantee with loans, but "business partners" take on more risk and as such want more profit. If I am considered a partner where my money is at full risk of loss if the business/venture fails, then of course I do not just want "interest" but a share of the business itself. Hence, the basic different between stocks and bonds.

But that begs 2 questions:
1) Why make me a "partner" through an MYIP or some investment offer when, again, cheaper credit is available all around? Why offer someone a share of the business when perhaps my capital needs could be met with simple low to high interest loan(s)? An Extremely high yeild loan is basically a share of the business, because let's face it if the business or program fails, your money is gone. Of course if you are raising an astronomical amount of money, like perhaps in the millions, then it may be advantageous to offer more "creative" deals with your lenders/investors. I myself have no experience with needing to raise millions to operate a business, so I have a hard time critiquing the business plan of a company like, for example, Global Online Depository. I simply do not know enough about business to be able to say their plan is brilliant or foolish.


2) If these business/ventures are willing to make people partners rather than simple lenders, meaning we share in the full risk of default if the program/business closes - riding the highs with the lows, then the next logical question is how the heck can they afford to pay such high rates? What start-up business/venture is able to offer their investors/lenders 10-50% returns a month even for a few short months unless the money is ponzied? And let's not fool ourself. Even honest admins/owners often end up ponzi'ing the money when they set up their program "loan style." Any capital they have may be sent out to fullfill the monthly payment requirements to the investors. If eventually the cash flow ceases, the payments stop and in fact what they have done, whether they know it or not, has been to pay the old investors from the new. I suppose however that all bonds could be construed in such a way, and it's not really fair to cry "ponzi." If a business goes bankrupt then previous bond interest was paid from the same company "pot" that all bills are paid from and also contained in that cash pot was the new money from new bond holders. I guess any legitament HYIP is a like a company offering unlicensed junk bonds on crack!

Let's be realistic though. In the "real world" small amounts of profit and small amounts of growth in the first few years are considered good, and here we have people who can afford to pay out 10-50% a month in the first months of business. That should be a huge red flag. It seems to me there are only 2 ways of looking at that. Either the business is set up as a scam, or the owner is honest but neive. Of course extremely short term/high risk loans for a desperate capital situation can be advantageous to both parties, but again there's gotta be cheaper credit out there available to the average business owner than 10-50% a month.

Of course the trader style HYIP/MYIP is differnet. They want their investors/lenders to share in the full risk any trading of any commodity or security entails so as to be free from all outstanding loans in the case of busting out the accounts. Contrary to popular belief there are some larger institutions as well as banks that are willing to provide loans to traders on limited and very strict basises, if they have shown a LONG profitable trading history, and they have credentials as long as the alphabet. Of course If I was a consistently profitable trader (and I mean consistent like 5 years or more) I probably would allow people to be able to piggy back my trading, taking the good with the bad, for a small fee. But in the U.S. if you are unlicensed and holding yourself out there, even on a simple website, that is technically a crime.

Thise whole discourse should not be seen as an of an attack on any one single HYIP/MYIP, but rather a commentary on the whole arena and the money loaning/sharking/investing/bonding business world as well. Comments, agreements, disagrements are all welcome. We must keep our eyes open in this riskiest of arenas and not delude ourselves into believing the emperor's clothes are beautiful when in reality he's naked. In short, you must balance the Bull with the Skeptic. Let's discuss.

Bull,
dont fret my friend....this lady and the company she represents seems to have plans. CELLCFund has only been in business for only a few months but the company they rep......I believe has been in business about 4 years.
Is that right Faith?

Flossie

I just got back online to see if any thing i needed to take care of before bed. I first checked my PMs and you sent me this very same post via PM. I was going to read the whole thing but I am tired from working on some client contracts so I was going to respond with an "I'll read it and get back with you PM". But I decided to check the CELLCFund thread to see if anyone need me to handle any CELLCFund business issues.

Lo and behold I find that you duplicated the PM here as well.

I am a tad tired and have to briefly do a few things online. Since this post is so long and involved, I'd like you to indulge me for a half day or so by giving me an opportunity to read it in detail instead of skimming it. I'll do it this afternoon/evening some time since it is 2:30am and I have to awaken around 6:30am EST.

Forget the stuff I have to do online. I have to sleep now.

God Bless
Faith

I wouldn't expect anything less