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We offer Legitimately Cash & Asset Backed Financial Instruments on Lease and Sale

Dear friends,

We offer Legitimately Cash & Asset Backed Financial Instruments on Lease and Sale at the best rates and with the most feasible procedures. Instruments offered can be put in all forms of trade and can be monetized or discounted for direct funding. 

 
We offer certifiable and verifiable bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions.

GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR LEASE AND SALE AT THE LOWEST RATES AVAILABLE. OTHER FINANCIAL INSTRUMENTS SUCH AS MTN, CD, DLC, PB ARE ALSO AVAILABLE.

 
 
If you need Loan, project financing, Bank Guarantees, SBLC, DLC or Letters of Credit kindly contact us immediately for more detailed information. 

Helping Bank Guarantee Brokers Bank Big Deals

Bank Guarantee Brokers…. If you want to earn big commissions work with a company like LOAN AND INVESTMENTS LTD that delivers without stories!

Too many brokers waste time and money chasing dreams of big deals with service providers that NEVER deliver and as a result they NEVER get paid and end up with NOTHING.

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LOAN AND INVESTMENTS LTD pays attractive commissions and ALWAYS protects Brokers.

We look forward to working with you!

Bank-Guarantee-Funding-Brokers1

60% of UK Directors feel an increase in broadband speed would improve competitiveness and 78% their organisation’s productivity

The October Policy Voice survey addressed the topic Internet Broadband in the UK. Below are some of the survey highlights:

  • 56% of members use broadband for video conferencing and 54% for downloading media files.
  • 57% store their data on owned or leased servers and 30% via the cloud.
  • 60% feel increase in broadband speed would improve competitiveness and 78% their organisation’s productivity (see chart below).
  • 51% feel faster broadband encourages flexible working opportunities(see chart below).
  • 49% are satisfied with the overall product or service provided by their broadband provider.

60% of UK Directors feel an increase in broadband speed would improve competitiveness and 78% their organisation’s productivity

Source: October 2015 Policy Voice Survey, IoD

If you need Loan, project financing, Bank Guarantees, SBLC, DLC or Letters of Credit kindly contact us immediately for more detailed information. 
 
 
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BROKERS ARE WELCOME & ARE 100% PROTECTED!! If you want to be our broker or company representative please contact us via email for more information.

Venture Capital flowing to European companies reaches a 19-quarter high in Q3 2015

Q3 2015 was a 19-quarter high for VC flowing to European companies

Source: CB Insights

If you need Loan, project financing, Bank Guarantees, SBLC, DLC or Letters of Credit kindly contact us immediately for more detailed information. 
 
 
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BROKERS ARE WELCOME & ARE 100% PROTECTED!! If you want to be our broker or company representative please contact us via email for more information.

Project funding – No Collateral– Insurance Sealed – Funding, Fast Approval, Fast Cash Settlement

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Funding Offer Particulars: OFFER  – Only Limited Slots only available
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No Collateral ,  – Insurance  Sealed – Funding, Fast Approval , Fast Cash Settlement
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Loan amount : Minimum 5M (Preferable)
Issuing place:Asia/Europe/America
Loan Tenure : 5 Years
Interest fee : 3% per annum
Project consulting fee: 5%
Approval Within (Historical days)  : Within 1-5 Banking days
Funds dispersed (Historical days)  : Within 3-10 Banking days
Repaying capital: at the end of 5 years . In the event of failure, Insurance shall cover the capital repayment.

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FOLLOWING IS THE  LIST OF STEPS FOR GETTING FUNDING APPROVAL  & RECEIVE FUNDS

STEP 1: Email the bank statement/tear sheet/ATV
Forward the cash funds holding company account’s bank statement/tear sheet/ATV which has 5.1% of requested fund. For example if a company wants 50M, Bank account should have 2.5M +0.1%.
Forward the  cash funds holding company account’s authorized signatory  proof documents
(Passport,Company Biz file indicating the shareholders,company resolution,company incorporation & registration document).

STEP 2: Email the Project Snapshot
Project snapshot should be submitted with  following details:
Executive Summary about the project, Project Face Value , Project funds requested amount ,  What types of  project funding required(Private Company Lending,Equity share,Banker Lending , Monetize Non recourse Loan by SBLC/BG) , Loan Tenure , Loan Interest range,any collateral details, what are different tranches required (starts with 5M/100M….),
who are all shareholders, how income shall be generated using the project fund?  How the  project fund is utilized ?
what are all risks are involved? 


STEP 3: Getting the Funder interest to fund the project We shall inform the  Funder interest to fund the project


STEP 4:Receive LOI Letter format & FPA(Fee Protection Agreement)
We shall forward the  LOI Letter format & FPA(Fee Protection Agreement) .
Please forward the  Signed copy of Authorized signatory of cash funds holding company account in company Letter head.


Please forward the  Signed copy of FPA of Authorized signatory of singapore cash funds holding company account in company Letter head & Notarized by lawyer.


STEP 4:
We shall issue application forms for filling up.
STEP 5:
We submit the application forms
STEP 6:
we request funders to approve the funds asap.
We shall get you the Funder’s Advance payment letter.
STEP 7: This STEP  is followed for a specific funders only .Other funders , this step may or may not be required.
Work with Insurance banker to  insure the sanctioned amount.
In the event of failure to repay the capital at the end of 5 years loan, Insurance banker shall pay the capital to banker.
STEP 8:
On receiving funders approval letter, Pay the  Project consulting fee of 0,1%  of  approved funding amount to  us
Forward the  LEtter of undertaking letter to issue the Project consulting fee of 4.9% with post dated cheq .
STEP 9:
we request funders to release the  payments asap  into the bank acct.
On receiving money  into  bank acct, Ensure that Post dated Cheque is cleared.
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Important Note:
If  you have any Good Overseas  Projects , We can form a joint venture with Overseas corporate companies to execute their project by having us  a  singapore business partner who acts as a managing partner for the projects.

We have good network of  Funder mandate & Funding providers .We can help  for good projects with TOP QUALITY Authenticated documents.

If any interested funder is interested to meet the borrower.
All expenses(Flight/Accomodation/Daily peridium)  needs to be paid  by borrower.

If you need Loan, project financing, Bank Guarantees, SBLC, DLC or Letters of Credit kindly contact us immediately for more detailed information. 
 
 
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BROKERS ARE WELCOME & ARE 100% PROTECTED!! If you want to be our broker or company representative please contact us via email for more information.

Number One Managed Bank Guarantee Financing Program

$350K Deposit to 30 Million Non Recourse in 45 to 90 Days OR $500K Deposit to 100 Million Non Recourse in 45 to 90 Days This program is an End to End Managed Bank Guarantee Funding and Monetization Program. The Program has two Options:

  • $350K Deposit in 30 Million Non Recourse in 45 to 90 Days, OR
  • $500K Deposit to 100 Million Non Recourse in 45 to 90 Days.
 

The program includes Total Deposit Protection with a very high profile Attorney Trust Account protected by a law firm that was founded by a Supreme Court Judge.

Either your Bank Guarantee is Issued or your Get your Deposit Returned, we make money closing deals NOT taking Deposits!

The level of transparency, access, protection and proof provided in this program is unique and is rarely offered in the Bank Guarantee industry. The entire End to End Proven Program includes BOTH Issuing a Bank Guarantee and Funding that Bank Guarantee. Everything has been prestructured, preapproved and prenegotiated so it is hassle and headache free with certain predetermed outcomes you can bank on. We provide total contract protection and agree to penalties up to 20 times your deposit!

Full Non Recourse Funding in the program means you do not have to repay a cent! The Bank Guarantee is Issued from AAA Rated Top 25 Bank and funded from a second AAA Rated Top 25 Bank. Client Deposits are paid to Attorney Trust Account where Trust Attorney and Barrister has No Criminal History, No Criminal Record, No Criminal Convictions and is the Legal Counsel for Governments and major Corporations. There is No Trading, No Leveraging, No Borrowing, No Currency Investing and we DO NOT require any Project Documentation. All we need to issue program agreements to clients are 3 Documents: CIS (Customer Information Sheet), NCND and Proof of Funds.

Please contact us for more information… 
 
 
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Brokers are paid good commission on each successful transaction so if you want to work for our company as a broker, agent or mandate please contact us for more information.

There’s now a computer program that lets you control someone else’s face

In the prophetic 1997 film “Face/Off,” John Travolta figures that the only way to avoid going back to prison was to surgically replace his face with that of Nicolas Cage’s. Although medical science has not really gotten to the point where that isn’t still completely laughable, a new technology out of Stanford University is getting us closer.

Researchers have figured out how to make one person’s face mimic the facial expressions of another, in real-time video. The method, announced in a paper (pdf) that will appear in a special edition of the scientific journal ACM Transactions on Graphics later this year, uses a regular computer, special cameras, and some seemingly magical new software.

The research team comprises computer scientists from Stanford, the Max Planck Institute, and University of Erlangen-Nuremberg in Germany.

Their system requires a bit of set-up: A pair of cameras needs to calibrate with each new face, then renders it in digital 3D. Then the program tracks both subjects’ facial expressions using cameras that can sense depth, texture, face shape and location, and maps movements of prominent facial features like nose, mouth, and eyes, from one person’s face onto the avatar of the other. The end result: You can appear to control a friend’s face with your own.

(To make up for the fact that not everyone’s mouths are the same size, the program puts in an eerily fake set of perfect teeth to fill in any gaps.)

It's like Photoshop, but for video.It’s like Photoshop, but for video.

Matthias Niessner, one of the researchers on the project, told Quartz that the team’s main motivation was to create something that could aid multi-language videoconferences like Skype.

David Bowie might be interested in seeing this.David Bowie might be interested in seeing this.

In the future, interpreters could translate someone speaking in real time, and the end user would just see the person they’re watching speak to them in their own language.

In their research paper, the team said they believe that this technology could pave the way to having photo-realistic avatars in virtual reality settings.

Niessner added that the team was also interested in applying this technology to movies, dubbing them for foreign audiences. “Most important though: It’s a crap ton of fun playing around with the system,” Niessner said.

Labor groups say H&M is lying about its progress in improving factory safety in Bangladesh

After a garment factory collapse at Rana Plaza in Bangladesh killed 1,133 people in 2013, H&M was among the first of many international clothing brands that agreed to signthe binding Bangladesh Accord on Fire and Building Safety, to prevent such a tragedy happening again.

It was a significant moment: The fast-fashion retailer is one of the largest buyers of garments from the country, which gives it considerable leverage in Bangladesh—and also makes it a symbol of the Western fashion brands doing business there. Many other companies followed suit.

But despite touting its progress in accordance with the agreement, H&M is now defending itself against a damning report  by the Clean Clothes Campaign and other labor groups that advocate for workers’ rights. The report, based on public information released by the Accord organization, accused H&M of being “dramatically behind schedule” in making factory-safety improvements it had committed to. In reply, H&M issued a press release and statements to the media explaining the delays (among the problems: Not all of the technology needed for the upgrades is available yet in Bangladesh), and reiterated that it had made “good progress” in some regards.

But the groups behind the report have now issued a rebuttal claiming that H&M’s statements are misleading, and in some cases, just plain wrong.

One of the statements they point to (link in Swedish) is the assertion by H&M’s press chief on Oct. 2 that all of H&M’s supplier factories have emergency exits. They label this “an outright falsehood,” based on the standard for an emergency exit laid out by the Accord.

“By definition, any building that does not have enclosed stairwells, protected by fire-rated doors, does not have fire exits (or emergency exits, to use H&M’s terminology),” the analysis states. “As H&M admits, more than two years after it signed the Bangladesh Accord, ‘some’ (actually, most) of its supplier factories still lack proper fire doors, and therefore do not have fire exits.”

Members of the police inspect a garment factory after a devastating fire in Savar November 25, 2012. A fire swept through Tazreen Fashion factory in the Ashulia industrial belt of Dhaka, on the outskirts of Bangladesh's capital killing more than 100 people, the fire brigade said on Sunday, in the country's worst ever factory blaze.The aftermath of the fire at the Tazreen Fashions factory in Bangladesh.

H&M also said that it is only producing in factories that meet the Accord’s requirements for operation. Of the 5,000 or so garment factories in Bangladesh, it sources from fewer than 300. But the groups suggest that H&M’s phrasing is misleading.

“According to the Accord’s published reports, there is not a single H&M supplier factory in Bangladesh that meets the building safety standards of the Accord,” they state. “We presume that H&M, in making this claim, is referring instead to the fact that the factories it is using, though clearly unsafe, have not been ordered to shut down due to risk of imminent structural collapse.”

Other claims they call out include H&M’s assertion that it has completed 60% of the remediation work in factories where it holds the lead role in overseeing renovations, and that lockable doors in its factories aren’t ever locked, which the groups say H&M can’t possibly know.

H&M tells Quartz that the labor groups’ complaints are misleading. “We do not recognize ourselves in the picture given in the report, nor in the recent analysis that you refer to,” spokesperson Elin Hallerby said. “For example, basic safety equipment such as fire exits is a fundamental requirement for a supplier in order to be allowed to produce for H&M. Also, there have always been clear escape routes in our supply chain, although many of them will be improved in accordance with new standards.”

Even though the Accord has more than 200 signatories, the labor groups focused on H&M in their report because it was a leader in signing the Accord.

“H&M gained significant credibility as the first signer (rightly at the time) and have also communicated to consumers through their sustainability report that all significant repairs are complete,” a representative for Labour Behind the Label, one of the groups that collaborated on the report, has told Quartz previously.

The groups say H&M hasn’t followed through, and that after two and a half years to make the improvements it agreed to, there are no excuses for the lack of progress.

H&M maintains that its commitment to Bangladesh’s garment industry is long-term, and that its work in the country “is not only active but also genuine and honest.”

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Russia Without BS (Beware of Bad Samaritans)

In the war against Ukraine there is one weapon more frightening than anything in the entire Russian arsenal. Sneakier than “hybrid warfare,” it is a weapon which is designed to be wielded by the Ukrainian people against themselves, and it helps the Putin regime both maintain influence in Ukraine while sustaining itself at home. That weapon is neo-liberal economic theory, and as Sean Guillory points out in this superb article, Ukrainians ought to think twice about heeding the advice of neo-liberal bad Samaritans, in this case Arthur Laffer.

There is an idea among some Ukrainians and Ukraine supporters that Russia is the biggest threat to Ukraine and the be-all, end-all when it comes to survival or defeat of Ukraine as a country. This is woefully incorrect. For one thing, Russia has managed to keep its thumb on Ukraine for so long largely due to the poverty and other effects of the collapse of the Soviet Union. When Russia’s economy soared in the mid-2000’s, plenty of Ukrainian citizens, mainly from the east, could look to Russia and see higher salaries and pensions, so that as one refugee from Donetsk told me, some locals thought annexation by Russia would bring “paradise.” It matters not whether they were wrong because the Russian system wasn’t sustainable, or if those economic benefits came at the cost of losing political freedoms. Poor people with few prospects are likely to embrace any system or regime that appears to be able to reliably put food on the table, and in the case of Russia, put iPhones in pockets.

Hanging out in Kyiv, and particularly in the center, it was always easy to miss the economic reality that faces Ukraine, especially now. It’s obvious when you go out to some place like Donetsk oblast, but in the capital it’s far more subtle. One clue is the increased presence of homeless people and people asking for money in and around Maidan Nezalezhnosti. In my most recent trip this was impossible to ignore. But there were other signs as well.

I don’t mean to sound like Thomas Friedman here, but on my last trip I had a long discussion about the local economy with a cab driver who drove me into the city from the Boryspil airport. The story is the same- lack of work, low wages, etc. I met another expat who explained to me how his friends in Odessa were now living on or below the poverty line. Now I don’t mean to level any accusations against any specific people, but this kind of poverty and desperation is vital for Russia to maintain control over Ukraine by other means. Just as how the Russian government can easily stifle dissent by paying people to support the government in public or harass dissidents, desperate people in Ukraine are a pool of cheap, willing agents for sabotaging progress. If one thinks that some sense of patriotism will keep these people from carrying out the work of the Kremlin, think again. For one, the Kremlin’s motives are not always obvious, nor do they always seem logical from the outside. The origins of the money used to pay these “agents” may be murky, if not totally obscure. Putin’s designs might be carried out by men claiming to be Ukrainian patriots. In fact, bet on it. Patriotism is the last refuge of a scoundrel, after all.

Getting back to the economy, this is yet another reason why people should be more up in arms about the decommunization law. Proponents of this law essentially preach a sort of voodoo politics, whereby removing symbols and in some cases rewriting history will suddenly make all Ukrainians into patriotic citizens. Patriotic citizens, who, for example, will be less likely to resist in the face of coming austerity. You see, if trade unions and workers band together to protest austerity for them while the rich continue to live in luxury, the oligarch-controlled media can just tar them as Communists or Communist-like. They’ll be accused of wanting a return to the Soviet Union and Moscow rule. A good Ukrainian patriot endures the inequality and poverty, and in return gets flags, slogans, and fairy tales about “national ideas.” Same as the Russian patriot, incidentally.

Does that sound far-fetched? Well it’s already happened in America of all places. Nearly a quarter of a century after the fall of the USSR, America’s Republicans and conservatives have been screaming about Communism, socialism, and Marxism more loudly than ever, lobbing this accusation against a neutered Democratic party which long ago went full-on neo-liberal. Even during the Cold War they were less shrill than they have been since the election of Barack Obama. Take a look at this GOP poster from 1956, for example. That’s a Republican pro-labor union poster. These days the GOP portrays unions as at best, shiftless and lazy, and at worst, “thugs.” If, in America, the idea of requiring private citizens to buy health insurance from private providers can be repeatedly labeled “socialist” or “Communist,” it stands to reason that any significant push back against austerity in Ukraine will inevitably be similarly tarred with the same labels. I guarantee it.

To the people of Ukraine I will make this as blunt as possible. Not everyone in Ukraine is “Ukrainian”, which is to say you are not on the same side. It is not only the top oligarchs you have to suspect either. This has nothing to do with their nationality, their religion, what language they speak, or their sexual orientation, but rather their relation to the means of production and their ownership of capital. These people’s interests are irreconcilable to those of the vast majority of Ukrainian citizens, and they are veryreconcilable to those interests of their business counterparts in Russia. Some of them are having a spat at the moment, and their are some minor differences concerning Russia’s neo-feudal incarnation of capitalism, but capitalists are capitalists.

As these people continue to squeeze you more and more, they will crow more and more loudly about the horrors of “Communism,” and shed mighty rivers of tears for people who died decades ago. They will do this because mourning the dead costs them nothing, whereas actually caring about the Ukrainian people today, and those yet unborn, does cost them. Make no mistake- Ukraine is not a poor country. It possesses the land and resources to provide for the basic needs of every citizen and ensure a positive birth rate as well. Russia is even more endowed with such resources. But what Ukraine cannot do is provide that lifestyle for its citizens while simultaneously providing a life of opulent luxury for a small minority who are unwilling to earn by their own labor, and who use the political system and its monopoly on violence to maintain a system that denies people the means to obtain the necessities of life save for at the mercy of a capitalist.

Those in Ukraine who exploit their fellow Ukrainians have an incentive to keep people’s minds focused on the past and not present, and the effects of this distraction are extremely useful to the Kremlin as well. More equality means a stronger, more inclusive community, and that means a much smaller pool of potential agents for the Kremlin. By contrast, post-Maidan Ukraine’s circus of populism, far-right politics, and patriotic circle-jerks give Putin’s political technologists and intelligence operatives little reason to worry about losing influence in Ukraine.

Finally, it is high time to chuck the politics of opposites, whereby people in Ukraine and other Eastern European countries enthusiastically embrace anything that appears to be the opposite of what they think their enemies represent. Bad Samaritans like Arthur Laffer may seem like the polar opposite of the Kremlin, which presides over a much more restricted capitalist system. Do not be fooled, however. The Kremlin system is capitalist through and through, and what is more it is a system that thrived off of the 90’s and 2000’s amoral neo-liberal, let-the-market-decide mentality. The crisis of 2008 showed much of the West that the capitalist system is inherently flawed and cannot be fixed. Today, there are even progressive capitalists who envision an alternative system, that some are referring to as post-capitalism. There are many flaws in their vision, but they are onto something. With the rest of the modern world waking up to this reality, there is no good reason for Ukraine to listen to outdated dinosaurs like Arthur Laffer and the rest of the neo-liberal cultists.

Alright, I’m stepping down from my soapbox. As a related note though, I think Ukraine can take inspiration from another country that emerged in the 20th century after centuries of domination. I leave you with a key passage from Ireland’s Democratic Programme of the First Dail and a simple question:

“…we declare that the Nation’s sovereignty extends not only to all men and women of the Nation, but to all its material possessions, the Nation’s soil and all its resources, all the wealth and all the wealth-producing processes within the Nation, and with him we reaffirm that all right to private property must be subordinated to the public right and welfare.”

So, people of Ukraine, to whom do your nation’s soil, resources, and wealth producing processes belong to?

*The title of this post is inspired by one of the books of South Korean economist Ha Joon Chang, which can be found here.

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Scientists and mathematicians aren’t all white men—but you wouldn’t know that from the movies

What do you see when you picture a scientist?

For most people—myself included—the default answer is probably a white man in a lab coat, hunched over a microscope. The same image arises for the archetypical computer programmer (a white man in a hoodie, hunched over a computer) and mathematician (a white man in a threadbare cardigan, hunched over a pile of composition books).

In other words, not only do we tend to assume that all scientists, technologists, and mathematicians have poor posture—our go-to image of STEM professionals is typically white and male. Ada Lovelace Day is the perfect opportunity to change this picture.

Ada Lovelace is widely considered to be the world’s first computer programmer. A close friend of 19th-century mathematician Charles Babbage, in 1842 she published the first programs for his proposed analytical engine—a machine that was never built but bore the essential traits of a computer. Nearly a century later, her notes helped inspire Alan Turing’s work on the first modern computers.

Lovelace was clearly a trailblazer. But where is her biopic?

Rather than yet another film about Steve Jobs, we need popular representations of women like Patricia Bath, who became the first African-American female doctor to patent a medical invention by developing a laser device to remove cataracts. The story of astronaut Mae Jemison, the first African-American woman in space, is also blockbuster-ready.

When we fail to tell stories about women in science and math, we reinforce the impression that few women have patented inventions, derived important equations or otherwise contributed to scientific discoveries. This dearth of visible role models can discourage young women from pursuing careers in STEM. It also bolsters ignorant claims that women simply lack interest in these subjects—or that they’re incapable of the intellectual rigor required by such fields.

But as Gloria Steinem once said, “women have always been an equal part of the past. We just haven’t been a part of history.” In order to change public perceptions about gender and STEM, we have to put a spotlight on the contributions of women past and present.

To that end, the TED Fellows program recently published a portrait of 12 women scientists conducting groundbreaking research in subjects ranging from astrophysics to archaeology and genetics. The photograph of a dozen leading women in science gathered together obliterates the white-man-in-a-lab-coat stereotype better than any image I can recall.

What stuck with me even more than the striking image was this accompanying quote from one of the scientists:

“This week, a cab driver asked me, ‘What do men say when you tell them you’re a scientist? Because you don’t look like a scientist,’” marine biologist Kristen Marhaver says. “In this picture, I see a twinkle in each of our eyes, saying, ‘No, that’s the thing, sir. I do look like a scientist.’”

Equally powerful was the #ILookLikeAnEngineer hashtag that spread through Twitter earlier this year after an engineer participated in her startup’s recruiting campaign and received a torrent of skeptical comments regarding her appearance.

These efforts expose the problem with assuming that an entire category of professionals should look one particular way—whether defined by gender, ethnicity, age, body shape, style of dress or any other category. A jockey looks nothing like a linebacker, yet both are athletes. Lupita Nyong’o bears little resemblance to Robert De Niro, but both are Oscar-caliber actors. The same logic applies to people in STEM.

Chances are the next big breakthroughs in science, technology, engineering and math will come from people who look less like Albert Einstein and more like “first lady of physics” Chien-Shiung Wu or computer scientist Grace Hopper. By destroying stereotypes about what kind of person “belongs” in STEM, we can encourage new generations of women to work toward life-changing innovations.

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