Business Investment Notes and Securities
High Yielding investment vehicles for the professional investor.
Never lose money in stocks or bonds again!!!!!
Pensions
Investments Insurance
Investing in the necessities and security of America.
The Company
Premier Investments and Insurance, Inc. specializes in high yield financial instruments and life insurance.
Products
PIIInc. is currently offering the following investment products:
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The Opportunity
I believe the recent article by Representative Boehner best describes the opportunity which currently faces us all.
John Boehner Contact: By Rep. John Boehner (johnboehner.house.gov) Let's Increase Family & Small Business Spending, Not Bloated Government Spending
Jan 26 Washington As some leaders in Washington plot how best to spend your tax dollars on bloated government programs, House Republicans have developed a plan to put money back in the hands of American families, small businesses, entrepreneurs and the self-employed. The latest spending package being discussed is already at $825 billion with some pushing for it to go over $1 trillion. But this isn't our money we're spending – the money will come from our children and grandchildren, and I believe this is simply too much to put on their backs.
The goals of any economic recovery package should be job creation, job preservation and spurring consumer spending. We need to let people keep more of the money they earn. We need to lower tax rates so that families and businesses can invest their money or save it, both of which are good for our economy.
But investing a trillion dollars in government spending isn't going to get our economy back on track. In fact, a recent analysis by the Congressional Budget Office (CBO) casts doubt on whether the congressional Democrats' spending plan will actually have an immediate impact, which is the true test of any economic recovery proposal. Just seven percent of the proposed infrastructure spending -- $26 billion out of $274 billion – would be funneled into our economy by the end of this year budget year in September. Worse, just one in seven dollars of a massive $18.5 billion expenditure on "energy efficiency" and "renewable energy programs: would be spent within the next 18 months. And plans to bring broadband Internet service to rural and underserved areas will take years to implement.
Repairing aging infrastructure such as bridges and roads and bringing new technology to rural residents are fine programs, but they're not going to create either the short-term economic conditions necessary to pull us out of the current recession. President Obama asked House Republicans for our ideas on how to help our economy, and we formed a working group to develop our proposals. We look forward to presenting these ideas to the President and to working with him to implement programs that will help our economy.
Immediate Tax Relief for Working Families
The fastest way to get money back into the pockets of working families is to lower taxes, allowing them to keep more of what they earn. The two lowest tax rates in the U.S. are 10 percent and 15 percent; 45 million married couples and 13.5 million heads of households pay at the 10 percent rate while nearly 40 million married couples of 7.7 million heads of households pay at the 15 percent rate. House Republicans propose lowering these tax rates from 15 percent to 10 percent and from 10 percent to 5 percent, which will immediately put money where it will do the most good: in the hands of working families. Under our proposal, every taxpaying-family's gross income will increase by $500 for those in the current 10-percent bracket and $1,200 for those in the current 15-percent bracket.
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Help for America's Small Businesses
Small businesses (those employing less than 500 individuals) employ about half of all Americans and in 2005, they created nearly one million net new jobs – or, put another way, small businesses that created 78.9 percent of all new jobs. Yet these economic engines can pay up to 35 percent of their income in taxes to the federal government. The U.S. is ranked 29 out of 30 among the major economies in the world for our business tax rate; only Japan taxes its companies more harshly. House Republicans propose allowing small businesses to take a tax deduction equal to 20 percent of their income, which will immediately free up funds to retain current employees and hire new ones.
No Tax Increases to Pay for Spending
Congressional Democrats' proposal includes record levels of government spending that will substantially increase the current deficit. House Republicans are concerned that this level of spending will result in some proposing nearterm tax increases on American families. In fact, House Speaker Nancy Pelosi (D-CA) was recently quoted in the Washington Post stating that she'd like to see tax hikes "as soon as possible" (1/8/2009).
House Republicans are insisting that any recovery package include a provision precluding any tax increases now or in the future to pay for this new spending. House Republicans believe that any spending should be paid for by reducing other government spending, not raising taxes.
Assistance for the Unemployed
Unless you're received or are currently receiving unemployment benefits, you probably don't know that the federal government taxes these benefits, forcing people to give up about 11 percent of their benefit. House Republicans propose making unemployment benefits tax free so people between jobs can have the full benefit of this income to provide for their families.
Stabilizing Home Values
The first indication that many Americans had that our economy was slipping were reports of falling home values and a stagnant market. Now the real-estate market is frozen as potential wait for prices to fall even more and as sellers watch and wonder how much lower prices will go. To encourage the kind of buying-and-selling activity we need to jumpstart our economy, House Republicans propose a home-buyers credit of $7,500 for buyers who can make a minimum down-payment of 5 percent.
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Boehner represents Ohio’s 8th District, which includes all of Darke, Miami and Preble counties, most of Butler and Mercer counties, and the northeastern corner of Montgomery County. He was first elected to Congress in 1990.
Butler County Office 7969 Cincinnati-Dayton Road Suite B West Chester, OH 45069 (513) 779-5400 (513) 779-5315 fax Miami County Office 12 South Plum Street Troy, OH 45373 (937) 339-1524 (937) 339-1878 fax
The Competition
Premier’s direct competition is with traditional bank and money market fund financial instruments, which have lost billions of hard working Americans’ money and retirement savings. The traditional CDs, IRAs, Hedge Funds, Mutual Funds, Municipal and the more stable,Treasury Bonds. Below is a list of the most recent Key Rates and Yields with Bank and Money Fund Rates:
Consumer price index
Treasury securities
1 year inflation US 1 year inflation CA
1.10% 1%
13 weeks 26 weeks 2 year 5 year 10 year 30 year
.29% .45% .93% 1.86% 2.88% 3.68%
Benchmark rates
Prime bank rate Fed Disc rate Fed Funds rate Ser. EE Savings Bonds Series I Savings Bonds Muni Bonds Funds Corporate Bond index Junk Bond funds
3.25% 0.50% 0.25% 1.30% 5.64% 5.62% 5.09% 11.73%
Mortgage guides
LIBOR 6 month Fannie Mae 30 year 1 year T-Bill 1.72% 4.83%
11th District cost of funds 2.757%
.54%
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Premier’s greatest advantage over its competition is its ability to offer high yield securities, instruments and investments to ordinary individuals as well as the seasoned investor. Premier’s products are available through participating banks, credit unions, institutional investors, the US Treasury and Premier directly. Premier shuns the traditional competitive instruments which have lost the public so many billions of dollars in the recent years by the careless and reckless disregards of the Hedge Fund and Money managers, to offer a new revolutionary financial method to invest into yourself, the public and effectively stabilize/spurt the economy. These days, even junk bonds have outperformed traditional investment vehicles, as the chart above clear shows.
The Management Team
While most mutual and hedge funds require managers and management teams, US BINS manage themselves. That is the beauty of owning a BIN Security. Even though the BIN is capable of trading like a stock, the volatility which also is inherent in traditional stocks is alleviated by the bond “maturity” characteristic underwritten into the BIN instruments. No matter the economy, the BINS have a guaranteed maturity date which cannot change or be disregarded, thereby, effectively minimizing, if not eliminating the risk factors associated with other traditional investments. Lastly, because there is no need to reinvest the BINS into other funds or investments, as the BINS are backed by hard assets and the US Treasury, there is no chance of default. Thus every BIN will be assigned a credit worthy rating by all nationally accredited financial institutions, thus, increasing liquidity of the BIN instruments and securities, thereby effectively managing themselves.
Issuances to Date
The first BINS were issued by PV (PortalVia, Inc.), which raised approximately $75,000 through private investments. PV was completely underwritten by its founder, Bill Blair. Mr. Blair also obtained the ticker symbols (PLVA – Common and PLVAP – Preferred shares) for PV. PV’s securities may be currently purchased directly through its corporate officers. To date, Bill Blair and all other corporate officers have waived all salaries in exchange for equity positions in PV. PV used the BINS to obtained favorable payment terms with its creditors, suppliers and vendors through the persistence of management’s hard work, a critical factor which enabled PV to continue its ongoing operations.
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Benefits
The benefits of the issuance of BINS and BIN Participants is tri-fold. First, we have the foreclosure situation.
The BINS will enable banks and other lending institutions to finally erase the toxic assets from its balance sheets. Second, the BIN Program will provide lending institutions the financial vehicles and means to begin lending again, re-evaluate/assess existing loans and potentially loss driven processes and assets. This will allow homeowners from losing their life savings and homes due to predatory lending practices which has plagued our country and is currently partly the blame for the economic crisis of current. Third, through BIN Efforts, participating agencies, companies and individuals will enable low cost labor, tax savings, tax credits and job creation, which directly leads to surplus spare cash to help jump start the economy by consumer spending and tax payments to the local and national governments. Please see attached “Cause and Effect” chart labeled “Binnovation” for more in-depth breakdown of the direct effect of the BIN Efforts and Innovation Program. The following service industries will be positively impacted by the BIN Program:
TeleMktg Help Desk Data Entry Infrastructure Manufacture ship/recvg constr commun svc wk prg parole/prob wireless infrastructure buildout deployment device manuf tower constr Transportation new vehicles paths -fwy, tunnels,etc communications no home w/o tech & computer Healthcare Convalescent care