Other provider offer at AAM

(1) is detailed here http://www.nofinancialadvice.com/SmartFunds.html -

New Ireland Smart Funds

Minimum Investment: €5,000.00
Standard Allocation Rate: 100%
Bid/Offer Spread: Nil
Annual Management Charge: 1.5% for amounts up to €100,000; 1.375% for amounts over €100,000.
Early Exit Penalties: 5% in year 1, 4% in year 2, 3% in year 3, 2% in year 4 and 1% in year 5.
Funds available: Range of 25, including 6 Index-tracking funds.
NoFinancialAdvice.com Special Terms: Additional 2% allocation added on day one. In other words, a 2% bonus will be added to your invstment from the outset. Thereafter, the terms and conditions are exactly as per the standard product.

(2) is 100% allocation, reduced annual management charge of 1.5% (for the geared fund) for sums under €100,000 and NO early exit penalties.

The Geared High Yield Equity Fund carries an annual management charge that is 0.25% higher than other Smart Funds, so add 0.25% onto all annual management charges quoted in the above link.

So Q's

Is it as follows

Option 1
5000 investment-
??% commission -year 1 only? what commision is there?
-1.5% AMC -year 1
-1.5% AMC -year 2
-1.5% AMC -year 3
-1.5% AMC -year 4
-1.5% AMC -year 5
Total Charges = 7.5% + ? commision

There are exit charges - Early Exit Penalties: 5% in year 1, 4% in year 2, 3% in year 3, 2% in year 4 and 1% in year 5.
There is a 2% extra allocation?

Option 2
5000 investment
-?% commission -year 1 only? what commision is there?
-1.5% AMC -year 1 - Is there +0.25% extra charge each year cos it's a Geared fund
-1.5% AMC -year 2
-1.5% AMC -year 3
-1.5% AMC -year 4
-1.5% AMC -year 5
Total Charges = 7.5% no exit charges

My old house near 3 Bed

Overall Floor Area: 75 Sq. Metres (807 Sq. Feet)

Region €520,000

Apartment for sale 1 bed Parnell Street

Overall Floor Area: 39 Sq. Metres (420 Sq. Feet)

€245,000

Tupac The Don Killuminati: The 7 Day Theory

if a company traditionally pays out most its profits to its shareholders, it is generally called an income stock. The shareholders get income from the company's profits. If the company puts most of the money back into the business, it is called a growth stock. The company is trying to grow larger by increasing the amount of equipment and the number of people who run it.

income stock tends to stay fairly flat.

There are three big stock exchanges in the United States:

• NYSE - New York Stock Exchange
• AMEX - American Stock Exchange
• NASDAQ - National Association of Securities Dealers

Stocks that are not listed on an exchange are sold Over The Counter (OTC). OTC stocks are generally in smaller, riskier companies. Usually, an OTC stock is stock in a company that does not meet the requirements of an exchange.

Inflation - http://www.cso.ie/statistics/conpriceindex.htm

About the investment

* How does this product meet my needs?
* How long will I have to leave my money invested?
* What are the charges?
* How much would my investment need to grow each year to cover the charges?
* Can I withdraw some of my money?
* If I cash in early, what penalty will I pay?
* How much of money is actually invested in the first five years?
* How will I find out how my investment is performing?
* What information will I get and how often?
* Is there a guaranteed growth rate?
* what will my fund be worth if I withdraw it in 5 years assuming there is no change in the share prices in that period

About risk

* What are the main risks with this investment?
* Is my original investment guaranteed?
* Is there any guaranteed growth on my investment?

About charges for financial advice

* Are there charges for your advice?
* Are they one-off or yearly charges?
* Do I have to pay fees if I don't take up your recommendation?
* If I don't have to pay a fee, do you get commission for the products you sell?
* Do you offer a choice of a fee-based service, a fee-based service with a refund of commission, or a commission only service?

Some stuff that I would like to learn more on:

Bretton Woods system (1971) in relatin to Predicting financial meltdown since 1974 that I came across

David Icke in relation to Smedley Butler taken from

http://en.wikipedia.org/wiki/Smedley_Butler

I spent 33 years and four months in active military service and during that period I spent most of my time as a high class muscle man for Big Business, for Wall Street and the bankers. In short, I was a racketeer, a gangster for capitalism. I helped make Mexico and especially Tampico safe for American oil interests in 1914. I helped make Haiti and Cuba a decent place for the National City Bank boys to collect revenues in. I helped in the raping of half a dozen Central American republics for the benefit of Wall Street. I helped purify Nicaragua for the International Banking House of Brown Brothers in 1902-1912. I brought light to the Dominican Republic for the American sugar interests in 1916. I helped make Honduras right for the American fruit companies in 1903. In China in 1927 I helped see to it that Standard Oil went on its way unmolested.

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