Corner of Ostap Bender - business fraud, which I know

Let's start with the second. In fact, the scheme: an investment fund is a fairly high-flying West Bank, which gives him a coin construction project - an elite shopping and office complex. Loan term - 10 years with the payment at maturity.

It is necessary to digress here a little and explain: a loan with payments at the end - this is when you pay over the life of the contract only interest, but the entire loan amount at the end of. Is a common scheme for development projects. How would - built - sold - grandmother gave. All white, fluffy and beautiful.

The amount of just pipets, a sort of annual turnover runner. And what makes our investor - it is very slow building itself is what gives dough - for the show has to target spending. However grandmothers do not lie dormant - they built a third party a quarter of residential property (very fast ) and sold ( for a further stage of excavation ), grandmother of sales back to the original scheme - m. e. go to the construction of the first draft.

Total have 100% of the primary project - a standard mark-up on elitku well, and 50-200 % in the ' leftists '. Nikhil scalded, IMHO. And we are here for 30 bucks sites frolic. Minimal risk - only to catch the hand can be targeted - if you know everything and have documentary evidence.

The first scheme. striking in its stupidity and non-profit.

I offered her to do, and even then I was not that experienced comrade, but I still felt the odor and did not get involved. A friend got. Now he has a problem.

The essence of the scheme. Made the announcement pathos edition. Type a single, unique, best, and the key phrase ' obvious benefits '. They are not obvious to anyone, but when such a phrase gets on the air - the action in the hands of an experienced manager deadly. Next in order to improve the effect of going from letters sent managery VIPov and around the city - to collect loot.

The idea - shit. But her year after year continue to turn the savvy managers, most of them coming out of the MLM. The problem is that the idea of ​​MLM they are trying to impose on real business where they have to be responsible for all aspects of themselves (. In the whole idea of ​​MLM businesses based on the fact that you are busy selling ONLY - legal and financial issues are decided by the firm -supplier. ).

However, on paper. looks nice. : Edition release is 1.5 million. Fit it to the 9 million participants. However, the. in fact the result. That some participants will not strip, but once you do 2-3-4 and save up to 50%. The participants did not you collect 6 months. And almost 12 - the extra cost of office staff salaries and rent. Most have to pay editorial team - the real costs for a year, 2 million on it. Printing does not have to be ordered for 1. 5 million. , And for a. 75mln. And a further delivery of. 10% take out and give manageram, 5% head of sales. 1-2% of the income tax. 3-5% - payroll taxes. Requires pathetic office ( 70 thousand. / month. ), Office equipment and stationery. In general, clean 1m. is. Divide by 12 months. - 80 thousand. / month.

Everything ends sadly. The publication did not work. No direct fault of the founders - just fuckers. Trying to save the cause of credit established yet, and the problem with the creditor banks - there is nothing to return loans. I estimated the losses, instead of 1 million. profits (and thought to be 4 million. ), About 3- 4m. debt.

The conclusion from these two stories a. : If there is no experience or a mentor with experience ( not to be confused with the cop ), there is nothing in the mouth razevat large loaf - choke.

Of course, all these stories I invented, and in fact none of this was not actually. :) - I had to write at the request of friends.