No matter what our age is, it is very important for all of us to get into a habit of saving and investing. A majority of people have less than 1 month of reserves in their savings and that is an extremely scary thing to hear. When we have emergencies, where are we going to get the funds? Statistics show that most people will borrow money from one place to patch another "financial hole". This is the cycle of "financial slavery" the entire world has been moving more and more towards. Our investment plans allow most people with a few hundred dollars (to a few million dollars) to invest—depending on their level of capacity. We have short term to long term investments as well as different ROI investment packages. All investments have some risk level, however, we screen our investment packages to a higher level than most in this industry to minimize the risk. If you are looking for the highest return, we may not be the right investment company for you. Our culture is to minimize the risk as the first priority and ROI as the second priority. We turn away the highest ROI because higher ROI also means higher risk. We will only take on packages to our own level of acceptable evaluation, and will turn away investment packages outside of our underwriting standards. As a result, our investment packages will not be the highest ROI out on the market. We focus more on minimizing the risk while generating a good ROI.