Ojel.net Reviews is Best Ojel Financial a Scam or Should I Invest

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Coince Review – Is It a Scam? Read This Before You Invest

by Alex Y · Published · Updated

What is Coince? Is it a scam? It is another High Yield Investment Program (HYIP) that promises an unrealistic ROI. Read this Coince Review and find out if it is worth investing your money with them.

CoinceReview

What is Coince?

Name: Coince
Website address: coince.com
Price: minimum is $10 and the maximum amount is $500,000.
Overall Rank: 0 out of 100
Owner: Joseph Miller
Status: SCAM – The website is closed. Find out how the other HYIP works better than Coince here.

Coince is a British-based investment company. Coince is a so-called Bitcoin cloud mining company, an online resource of Power Supplies & Equipment Limited working in the UK, whose main investment is focused on the provision of facilities for cryptocurrency mining.

It has a professional-looking website. They have provided a fair amount of details on their homepage and some video testimonial with a professional video presentation. My first impression was pretty good when I saw Coince for the first time. I like this kind of business template with sign of professionalism.

Min. Deposit: $10. It is interesting that there is no extra graphic element to show the investment plan, just the calculator on the main page. The calculator works perfectly, no pop-up window like in case of basic GC script.

Withdrawing is interesting. You should enter the amount and your e-Wallet ID as well. Then, the next step asks for PIN code. Then the confirmation message shows 24h time frame for processing.

Although it is a stretch too far to call them an obvious scam, there are some warnings regarding any business openly advertising cloud mining these days.

There is a lack of details on how they invest your money. It tends to be vague about the strategies used in their investment programs.

I have tried very hard to find out their investment strategies but they do not give adequate information on how their financial instruments work.

Let’s investigate the investment plans available on Coince. Well, Coince is less complicated as compared to many other HYIPs on the market.

Should You Trust Coince?

You should not trust this investment company.

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The Coince is a high-yield investment program (HYIP). If you have read the definition of HYIP on Wikipedia, It is s a type of Ponzi scheme, an investment scam that promises unsustainably high returns on investments (ROI) by paying previous investors with the money invested by new investors.

The Coince is a fake investment company. From the official website, one can notice it is an HYIP investment scam that aims to steal your hard earned money. Why? There are a few red flags I managed to pick up.

#Red Flag 1 – New Site and Unknown Identity

Coince is very new and looking at the date of registry.

The registrant’s name shows up as JOSEPH MILLER. I have tried to search for that name on the internet and nothing shows up. This is a clear warning that the scammer does not want to reveal his or her real identity to avoid detection.

#Red Flag 2 – Ponzi Scheme

Coince offers offer referral commission program. It is a good way to make extra money. By inviting more people to their investment programs, you will instantly receive some ref commission from every deposit your referrals made.

For a real investment company, this would equal giving away the entire (if not more) profit margin. This is a typical trick from most of the HYIP on the market. They offer to reward “referral fees” to investors for bringing in additional members.

Coince pays affiliates a smallcommission on funds invested by recruited affiliates in their unilevel team depending on the investment plans.

That’s how a Ponzi scheme is operated. They recruit new members to sustain the pyramid scheme. They need “new” money to generate “returns” for the older investors by acquiring new investors.

It is a fraudulent investment scheme where they pay returns to its investors from new capital paid to the operators by new investors, rather than from profit earned through legitimate sources.

It is a pyramid scheme that typically collapses in the end because it requires exponential increases in participants to sustain the business model. That simply means the scheme cannot go on forever.

The Coince probably still pays their investors for now as the program is still relatively new on the market. When there is insufficient investment fund from the new recruitment to the older investors, the entire structure will collapse.

#Red Flag 3 – Vague Investment Information

Obviously, there is a lack of details on how Coince manage the money from the investors. Coince tends to be vague about the strategies used in their program.

I tried to look for more information “About” Coince, all I got is just a vague information. Furthermore, they are not backed by a real and verified trader. There is no proof and information at all on who are running behind the scene.

Given that Coince is an Investment Service, it should be regulated by the Financial Conduct Authority (FCA). There is, however, no record of the company in the public register.

This is your hard earned money, please do not be afraid to ask questions. A genuine financial professional will usually be happy to explain in detail the investment program they are marketing. Unfortunately, Coince fails to do so.

#Red Flag 4 – High, Unsustainable Yields

I have years of experience in investments. Historically, investments in most large corporate stocks return less than 10% per year. Usually, HYIP scams offer between 1 percent to 2 percent daily profits to its members.

The Coince discloses their investment plans with no aim to hide its absurd and unsustainable returns. The provided calculator shows how it earns you a 18% daily ROI under their only investment plan. To me, it is a total nonsense.

The funny thing is the investment plan returns a perfectly steady positive income percentage regardless of any external variable such as price volatility. Don’t you think this sounds a little fishy?

The ROIs that they claim on the official page clearly indicate that the investment is actually a Ponzi scheme or a junk bond that may never increase in value and has a high rate of default.

Conclusion

I am not a huge fan of HYIP programs because I am a low-risk taker.

I have tried some of the HYIPs before and I have been scammed once. I hence did a thorough research and only discover some of these “investment” scams operate and steal our money.

My advice to HYIP investors is always set a budget for investment. Many people regard HYIP investments as a form of gambling and approach the investment with a similar strategy.

It is also recommended to determine how much money you can realistically afford to lose, and never place any more than this at risk. In addition to setting an overall investment budget, many people like to establish “stop limits” as well, which means that when your profits reach a specific plateau, you will take down all of your investments and profits.

Diversify your investments. With HYIP being such a volatile investment, it is important to spread your investment capital around.

Placing all of your investment dollars into one HYIP programs puts you at risk of losing all of your investment at once. Having the money distributed across several HYIPs will increase the likelihood that sustainable programs will offset the ones that close.

In addition to that, I also wrote an article on How to Invest Online Without Being Scammed. This should serve as a reference when you look for a legitimate investment company on the internet.

For those who are high-risk takers, some high yield investment programs have the ability to generate exceptional returns, but only because the risk of loss is great. If you are willing to invest your money with high profit and high-risk investment scheme, Forex Paradise is another stable HYIP you can try. You can read the full review of this HYIP here.

There are many fake reviews on these HYIPs on the internet. You should never ever trust them as most of them are written by the affiliates who want to convince you to join as members and make new deposits to sustain the entire pyramid scheme.

Final Word

I don’t like the reliance on a HYIP in order to make money. Instead, I do affiliate marketing (it’s different) and rely 100% on myself to build an income online. If you are interested in alternative ways to generate a real passive income online, you might want to consider running your own legitimate online business.

One powerful way to do this is through an approach called affiliate marketing. Affiliate marketing lets you earn money by promoting products from other companies. Any product you promote is going to be based on your opinion, and you are not required to stick with just one company.

If you’re looking for a legitimate way to make money online without trying to qualify for online surveys or getting scammed by HYIPs then Wealthy Affiliate might be what you’ve been looking for.

When I carried out my initial investigation on Wealthy Affiliate, it was purely to see if the company was legit for a few friends of mine, however, I didn’t imagine that I was going to make much or ANY money with them when I first got started, but as it turns out – I did.

Well, I’m happy to say that I’m not the ONLY one making money in Wealthy Affiliate, as you can see from the pics below, and you’d be surprised at HOW many other people are making money too.

If this is an area you’re interested in, you could learn more about this through my 7-day free email course or you could join the program here. The guide is an excellent way to learn all the ins and outs of affiliate marketing and to get started in the field yourself.

Extra Income as an Affiliate of WA

Just like Amazon, WA allows you to generate income as its affiliate member. Meaning, that if you make a sale, you receive a commission. If you don’t make a sale, you don’t make a commission.

The monthly investment to gain access to all the bells and whistles of WA is $47/month. You have the option to pay upfront and gain access to a yearly membership while saving on the total investment.

Here’s the commission breakdown for the sale of each membership.

  • $175 upfront and recurring yearly commissions for the sale of an annual membership
  • $22.50 upfront and recurring monthly commissions for the sale of a monthly membership

Here is a hypothetical breakdown of “monthly” income statistics for you based on just a 4-month recurring monthly membership commissions.

  • 1 sale per day= $2,700/month
  • 5 sales per day= $13, 500/month
  • 10 sales per day= $27,000/month

I personally find I make more commissions through WA than Amazon as the training modules are solid and most of them stay with WA for more than a year.

Here are my recent affiliate commissions rewarded from WA. I generated $5,886 in my last 7 days and it’s actually ramping up over time.

As long as people are still a member of WA, I get rewarded the recurring monthly commissions. This is what I meant by sustainable income. There are more than three billion internet users around the globe. Making 1 sale per day is not difficult at all with the blueprints and the step-by-step guide from WA.

Click Here to Get Started Today

It’s Your Turn Now

Please share this article with your friends and family members so that they do not fall into the trap of another HYIP scam, Coince.

If you have any questions or comments, let me know in the comment box below.

Oinvest Review – 5 things you should know about oinvests.co.za

Don’t put all your eggs in one basket. Open trading accounts with at least two brokers.

Oinvest is a South African forex and CFD broker, offering 49 currency pairs and a good selection of CFDs, covering a wide variety of asset classes form commodities, indices and stocks to crypto coins and precious metals.

Among the forex pairs some are with exotic currencies like Honk Kong Dollar, Singapore Dollar, Danish Krone, Hungarian Forint, Norwegian Krone, Polish Zloty, Swedish Krona, Turkish Lira, Mexican Peso, Russian Rubble, South African Rand and Israeli Shekel.

We also counted CFDs with nearly 20 indices, over 170 stocks, a number of energy and agricultural commodities like oil, natural gas, cocoa, coffee, copper, corn, cotton, orange juice, soy beans, sugar and wheat, precious metals including gold, silver, platinum and palladium and even crypto coins, most notably Bitcoin, Ether, Ripple Dash, Bitcoin Cash, Bitcoin Gold, Monero and Litecoin.

Oinvest trading conditions

The benchmark EURUSD spread is as low as 0,7 pips, which is quite tight as the broker does not take a commission on the trade.

In the same time the maximum leverage offered by Oinvest is as high as 1:500 and can easily accommodate even the most aggressive trading strategies.

Since the European Securities and Markets Authority (ESMA) caped the maximum leverage allowed with forex trade in the European Union to 1:30 in the beginning of August and since similar restrictions are already in place in the US and Japan, the only reliable regulators, still allowing more generous leverage remain the Australian Securities and Investments Commission (ASIC) and the South African Financial Sector Conduct Authority (FSCA), where Oinvest is licensed.

Still, have in mind that while higher leverage may help you score good profit with a relatively small deposit, it also makes your investment much more vulnerable to market fluctuations.

Oinvest trading platforms

At Oinvest you can choose between an internet based Web Trader platform and the MetaTrader4.

MetaTrader4 has always been a good solution for professional and beginner traders alike. The well known platform features multiple market indicators, various charting tools and an option to run automated trading sessions with the help of specially designed trading bots or Expert Advisors.

Oinvest regulation & safety of funds

Oinvest is owned and operated by BASFOUR 3773 (PROPRIETARY) LIMITED, a company based in Cape Town, South Africa and regulated by the local Financial Sector Conduct Authority (FSCA).

FSCA, along with respected financial watchdogs like the Financial Conduct Authority (FCA) in the UK, the Australian Securities and Investments Commission (ASIC) or the Cyprus Securities and Exchange Commission (CySEC) enforces a strict and yet balance regulatory regime.

FSCA licensed brokers for example are required to keep all clients’ money in a segregated, protected form creditors account.

Also, all brokers under the jurisdiction of the South African regulators are obliged to maintain a certain minimum capital adequacy ratio, which gives traders additional security.

Oinvest deposit/withdrawal methods and fees

As most other brokers Oinvest accepts payments with major credit or debit cards like VISA and MasterCard, bank wire and popular e-wallets like Neteller, Skrill and VPay.

And while Oinvest does not specify a minimum deposit requirement, it is generally advisable to invest at least 250 USD so that you can support a sufficient margin to sustain any significant moves against your position.

Why Should I Consider Investing?

There are two ways to make money in our modern world. The first way is to earn an income, either by working for yourself or for someone else. The other way to grow your fortune is to invest your assets so that they increase in value over time. Whether you invest in stocks, bonds, mutual funds, options, futures, precious metals, real estate, small business, or a combination of all of the above, the objective always to generate cash. This can come in the form of increased value to the investment, dividend income, or the sale of a business or some other liquidity event.

Key Takeaways

  • The two chief ways an individual may generate money is by earning an income or by growing their assets through investments.
  • Investments may include a range of choices, including stocks, bonds, mutual funds, exchange-traded funds, and real estate.
  • An individual’s investment goals depend on his or her income, age, and risk tolerance.

Managing Investment Goals

An individual’s goals depend on a host of factors that may include age, income, and risk profiles. Age can be further sub-divided into the following age into three categories:

  • Young and staring out in a career
  • Middle-aged and family building
  • Retirement age and self-directed

These segments often miss their marks at the appropriate age, with middle-aged folks considering investments for the first time or the elderly forced to budget, employing the discipline they lacked as young adults.

Income provides as the natural starting point for investment planning because you can’t invest what you don’t have. The first career job issues a wake-up call for many young adults, forcing decisions about IRA contributions, savings, or money market accounts, and the sacrifices needed to balance growing affluence with the desire for gratification. Don’t worry too much about setbacks during this period, like getting overwhelmed by student loans and car payments, or forgetting that your parents no longer pay the monthly credit card bill.

Outlook defines the playing field on which we operate during our lifetimes and the choices that impact wealth management. Family planning sits at the top of this list for many individuals, with couples figuring out how many kids they want, where they want to live, and how much money is needed to accomplish those goals. Career expectations often complicate these calculations, with the highly educated enjoying increased earning power while those stuck in low-level jobs are forced to cut back to make ends meet.

It’s never too late to become an investor. You may be well into middle age before realizing that life is moving quickly, requiring a plan to deal with old age and retirement. Fear can take control if waiting too long to set investment goals, but that should go away once you set the plan into motion. Remember that all investments start with the first dollar, whatever your age, income, or outlook. That said, those investing for decades have the advantage, with growing wealth allowing them to enjoy the lifestyle that others cannot afford.

Whether your goal is to send your kids to college or to retire on a yacht in the Mediterranean, investing is essential in reaching your financial objectives in life.

Should You Invest in Real Estate or Stocks?

The pros and cons of investing in real estate vs. stocks

Image by Ellen Lindner © The Balance 2020

When deciding whether to invest in real estate or stock, there isn’t a simple answer. Identifying the better choice depends on your personality, lifestyle preferences, comfort with risk, and more.

It also depends on timing. Very few stocks would have beat buying beachfront property in California in the 1970s using a lot of debt, then cashing in twenty years later. Virtually no real estate could have beat the returns you earned if you invested in shares of Microsoft, Apple, Amazon, or Walmart early on in the companies’ history, especially if you reinvested your dividends.

Timing is impossible to predict when making investment choices. But understanding each type of investment is key to choosing the best strategy to help your money grow and create financial security.

Real Estate vs. Stocks

When you buy shares of stock, you are buying a piece of a company. If a company has 1,000,000 shares outstanding and you own 10,000 shares, you own 1% of the company.

As the value of the company’s shares grows, the value of your stock also grows. The company’s board of directors, who are elected by stockholders just like you to watch over the management, decides how much of the profit each year gets reinvested in expansion and how much gets paid out as cash dividends.

It’s easy for stock to become over- or under-valued. Before investing, study the company as a whole, including how much of their profit is paid out as dividends. If a company is paying more than 60% of profits as dividends, they may not have enough cash flow to cover unexpected changes in the market.

When you invest in real estate, you are buying physical land or property. Some real estate costs you money every month you hold it, such as a vacant parcel of land that you pay taxes and maintenance on while waiting to sell to a developer.

Some real estate is cash-generating, such as an apartment building, rental houses, or strip mall where you pay expenses, tenants pay rent, and you keep the difference as profit.

There are benefits and drawbacks to each type of investment.

Pros and Cons of Investing in Real Estate

Is real estate the right investment for you? Understanding the pros and cons will help you decide.

5 Pros of Investing in Real Estate

  1. Comfort. Real estate is often a more comfortable investment for the lower and middle classes because they grew up exposed to it (just as the upper classes often learned about stocks, bonds, and other securities during their childhood and teenage years). It’s likely most people heard their parents talking about the importance of “owning a home.” The result is that they are more open to buying land than many other investments.
  2. Cash flow. Rent from real estate can provide steady, reliable cash flow on a month-to-month basis. Many investments only improve your cash flow in the long-term or when you sell them. 
  3. Limiting fraud. It’s more difficult to be defrauded in real estate because you can physically show up, inspect your property, run a background check on the tenants, make sure that the building is actually there before you buy it, and do repairs yourself. With stocks, you have to trust the management and the auditors.
  4. Using debt. Using leverage (debt) in real estate can be structured far more safely than using debt to buy stocks by trading on margin. 
  5. Safety. Real estate investments have traditionally been a terrific inflation hedge to protect against a loss in the purchasing power of the dollar. 

3 Cons of Investing in Real Estate

  1. Time and effort. Compared to stocks, real estate takes a lot of hands-on work. You have to deal with the midnight phone calls about exploding sewage in a bathroom, gas leaks, the possibility of getting sued for a bad plank on the porch, and more. Even if you hire a property manager to take care of your real estate investments, managing your investment will still require occasional meetings and oversight.
  2. Continued costs. Real estate can cost you money every month if the property is unoccupied. You still have to pay taxes, maintenance, utilities, insurance, and more. If you find yourself with a higher-than-usual vacancy rate due to factors beyond your control, you could actually end up losing money every month.
  3. Value. With a few exceptions, the actual value of real estate hardly ever increases in inflation-adjusted terms.

Even if the actual value doesn’t increase, though, you benefit from the power of leverage. That is, imagine you buy a $300,000 property, putting down $60,000 of your own money. If inflation goes up 3%, then the house would go up to $309,000 in value. Your actual “value” of the house hasn’t changed, just the number of dollars it takes to buy it. Because you only invested $60,000, however, that represents a return of $9,000 on $60,000: a 15% return. Factoring out the 3% inflation, that’s 12% in real gains before the costs of owning the property. That is what makes real estate so attractive.

Most people are more familiar with real estate as an investment than with stocks.

Provides month-to-month cash flow if you rent it out.

It’s easier to avoid fraud with real estate.

Debt (leverage) is safer with real estate than stocks.

Real estate has historically served as an effective inflation hedge.

Much more work as an investment than stocks.

Can cost you money out of pocket each month if your property’s unoccupied.

The increase in real estate value, in actuality, doesn’t increase much when factoring in the inflation rate.

Pros and Cons of Investing in Stocks

Like real estate, investing in the stock market comes with both advantages and drawbacks.

6 Pros of Investing in Stocks

  1. Longevity. More than 100 years of research have proven that despite all of the crashes, buying stocks, reinvesting the dividends, and holding them for long periods of time has been the greatest wealth creator in history.   Nothing, in terms of other asset classes, beats business ownership—and when you buy a stock, you are buying a piece of a business.
  2. Minimal work. Unlike running a small business, owning part of a business through shares of stock doesn’t require any work on your part (other than researching each company to determine if it is a sound investment). You benefit from the company’s results but don’t have to show up to work.
  3. Dividends. High-quality stocks not only increase their profits year after year, but they increase their cash dividends as well. This means that you will receive bigger checks in the mail as the company’s earnings grow. And if you hold onto your stocks long-term and reinvest your dividends, after a few decades your wealth will have grown significantly.
  4. Access. You don’t need to have huge sums of available cash to begin investing in the stock market. With some mutual funds or individual stocks, you can invest as little as $100 per month.   There are also a variety of microsaving apps that allow you to begin investing for less than $25.     Real estate requires substantially more money in your initial investment, as well as the cost of maintenance and improvements.
  5. Liquidity. Stocks are far more liquid than real estate investments.   During regular market hours, you can sell your entire position, many times, in a matter of seconds. You may have to list real estate for days, weeks, months, or in extreme cases, years before finding a buyer.
  6. Borrowing. Borrowing against your stocks is much easier than real estate. If your broker has approved you for margin borrowing (usually, it just requires you to fill out a form), it’s as easy as writing a check against your account. If the money isn’t in there, a debt is created against your stocks and you pay interest on it, which is typically fairly low. 

3 Cons of Investing in Stocks

  1. Emotional investing. Though stocks have been proven conclusively to generate wealth over the long run, many investors are too emotional and undisciplined to benefit fully. They end up losing money because of psychological factors. During the credit crisis of 2007-2009, well-known financial advisors were telling people to sell their stocks after the market had tanked 50%, at the very moment they should have been buying.   
  2. Short-term volatility. The price of stocks can experience extreme fluctuations in the short-term. Your $40 stock may go to $10 or to $80. If you know why you own shares of a particular company, this shouldn’t bother you in the slightest. You can use the opportunity to buy more shares if you think they are too cheap or sell shares if you think they are too expensive. And if you hold onto well-valued stocks over the long-term, these highs and lows are often smoothed out. But if you are hoping to make money quickly, the volatility in stock value can work against you.
  3. Stagnation. If you invest in companies that don’t have much room for innovation or growth, then your stocks may not look like they’ve gone anywhere for ten years or more during sideways markets.

However, this is often an illusion because charts don’t factor in the single most important long-term driver of value for investors: reinvested dividends.   If you use the cash a company sends you for owning its stock to buy more shares, over time, you should own far more shares, which entitles you to even more cash dividends over time.

Over 100 years of stock market returns history shows them to be a consistently-good wealth creator.

You can own part of a business (through stock shares) without having to do any work.

If you own shares in a company that pays dividends, your share price and your dividend amount may both grow over time.

You can diversify much easier with stocks than with real estate, especially with mutual funds.

Stock investments are very liquid so your money’s not locked up for weeks or months.

You can borrow against the value of your stocks more easily than with real estate.

Successful stock investing requires an unemotional approach, which is difficult for the majority of investors.

Stock prices can fluctuate very much in the short run, which can leave inexperienced investors worried.

Dividend-paying stocks may look like they haven’t grown in value at all during sideways market conditions.

Choosing Between Stocks vs. Real Estate

Both real estate and stocks can provide long-term financial gain, and both come with risks. When choosing the right investment strategy for you, the best way to hedge against that risk while taking advantage of the potential gains is to diversify as much as you are able.

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