I have received an offer of investment yesterday from the colleague of my wife. She has retired several years ago and is into insurance. She said that aside from insurance she has joined a group with an investment program that is good. The money is invested in several programs but she did not elaborate. So that I can know everything I have to attend the seminar of 1 hour via internet video conference. Oh, I do not have much time to spend for that. The fact that she could not explain it by phone means the scheme is very complicated.