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BANK GUARANTEE WARNING: 5 Ways to Lose Money – Beware!

IMPORTANT BANK GUARANTEE WARNING: 5 Ways to Lose Money – Beware! Too many clients have lost too much money in the Bank Guarantee industry by foolishly and naively being conned by unscrupulous people. Clients get lured by the promise of high returns and because of inexperience get caught in some pretty nasty pit falls and lose their money. This article is written to warn and educate clients so they can AVOID LOSING MONEY and SAFELY COMPLETE BANK GUARANTEE TRANSACTIONS WITHOUT LOSING YOUR SHIRT!

Many of our clients wish to purchase Bank Guarantees for Monetization, Discounting or Funding. If you do this it is CRITICAL you get it right! There is no margin for error when your dealing with millions if dollars!

There are some big traps uninformed customers fall into that cost them a lot of money or the whole deal. Loan and Investments Limited would like to partner with you and help you navigate the mine field of the bank guarantee market so you can safely and successfully get deals completed.

Here are just a few Mistakes people make….. that have Cost foolish investors many many $$$$


Mistake 1: Buying a BG that is Neutered – Some sneaky companies issue neutered Bank Guarantees. That is a Bank Guarantee that can only be used for credit enhancement on a companies books but can never be monetized or traded. It’s a nasty surprise you get when you realize your pristine Bank Guarantee delivered by MT760 to your Monetizer is……. useless!

Mistake 2: Buying a BG that is Leased – Many Leased Bank Guarantees cannot be monetized. If you buy a Bank Guarantee that has the word “leased” in the Bank Guarantee text when it is delivered to the funder or monetizer. You just got screwed and have a worthless piece of paper you can’t use! Loan and Investments Ltd offers you “unrestricted beneficiary ownership of the Bank Guarantee for a 12 month term” this gives you full monetization capability at the price of a lease. Don’t risk playing with fire, a cheap Bank Guarantee provider is likely to make you pay one way or another in the end! Play safe get a Bank Guarantee from Loan and Investments Ltd.

Mistake 3: Procedures DON’T Match – If the delivery procedures of the Bank Guarantee issuer don’t exactly match with the Bank Guarantee Monetizer, Funder or Discounter you will never get the Bank Guarantee delivered because the two parties are incompatible with each other. You just can’t put a round peg in a square hole! In our experience up to 40% of Bank Guarantee deliveries to funders FAIL because the procedures between the parties are incompatible. It is sickening to see clients with failed transactions caught in a blame game of table tennis between Bank Guarantee Issuer and Bank Guarantee Funder who each point the finger at one another. Avoid this nightmare, just use our prestructured, prenegotiated Managed Bank Guarantee Program. Email us for more details.

Mistake 4: The No Bank Play – When your Bank Guarantee Issuing Agreement with you lists them sending a MT999 or MT799 from a non bank entity to the monetizers or funder bank entity. You’ve been screwed! This is a huge scam because many Bank Guarantee Issuers issue from non bank entities that have names that sound like banks but aren’t! Authentic Banks will not reply or communicate with Non Banks Entities or private companies that send the bank messages on the SWIFT network. ThLease SBLC Upset Businessmanose messages are treated like an annoying mosquito, it buzzes into the bank on the SWIFT network and is swatted away to the rubbish bin as soon as the bank realizes it was sent from a non bank entity!

The Bank Guarantee Issuer then claims they delivered service to the bank and that because the bank did not perform or respond, then the Bank Guarantee Issuer keeps all your money because they claim the bank defaulted on your contract. Ouch!

Mistake 5: No CUSIP or ISIN Number – Some Bank Guarantee monetizers or funders will only accept Bank Guarantees with CUSIP or ISIN Numbers. This means they will NOT accept a fresh cut bank guarantee, ONLY seasoned instruments (which is a Bank Guarantee that has been created by one Bank and issued to a second bank who them registers the CUSIP and ISIN numbers of the instrument). Seasoned Bank Guarantees cost more because they have to be passed through two banks to become seasoned and are generally are only available to be purchased from secondary owners not direct from the Bank Guarantee Issuing Bank. We monetize fresh cut and seasoned instruments, as long as the bank guarantee is 100% real we will monetize it and ensure you bank cash no matter whether its fresh cut or seasoned.

The above Mistakes are the Tip of the Iceberg!

There are many many more!

As Experienced Bank Guarantee Experts our Business is structured to assist you to AVOID the PITFALLS and NIGHTMARES. Our goal is to and help you concluded safe successful transactions.

The BIGGEST Benefit in working with Loan and Investments Ltd is our years of Bank Guarantee Expertise and Knowledge, it is the best and insurance and safety net you will ever get and we don’t charge a cent for it! Our guidance comes free with every transaction we complete for you.
When your dealing with financial instruments and Bank Guarantees worth Millions of dollars DON´T be a Do it Yourselfer and cause yourself significant harm! Partner with Loan and Investments Ltd and get the right result, safely without burning your house down.

Experience is the Best Insurance – Use Loan and Investments Ltd Today for all your Loan, project Finance and Bank instruments transactions including bank Guarantees, DLC, leased sblc, seasoned BG, frshly cut BG, slightly seasoned BG etc!

Hong Kong still has the world’s priciest office rents

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Rents are rocketing up to USD255.5 psf per year.

Knight Frank’s Skyscraper Index reveals that in Q2 2015, Hong Kong, at US$255.50 per sq ft per year, retains the title of the most expensive place in the world to rent office space in a tower building.

According to a release from Knight Frank, meanwhile, London (10.7%) and San Francisco (8.2%) are seeing the fastest rental growth for high-rise offices in the six months to June 2015, reflecting a buoyant occupier market in gateway cities.

Despite the uncertainties in the stock markets and the devaluation of the RMB, Thomas Lam, Senior Director, Head of Valuation & Consultancy, Knight Frank expects Hong Kong to continue to enjoy moderate rental growth with sustained demand from Mainland Chinese companies.

In 2015, around 40-50% of new lettings in Central involve Chinese firms. Meanwhile, Central’s office buildings are aging, with more than 50% of the district’s Grade-A offices being over 25 years old. For some of them, the need for renovation is seen.

Together with the shortage of new Grade-A offices in Central, such renovation will lead to a long-term impact to the district’s Grade-A office supply. Overall vacancy rates in Hong Kong decrease to 1.7% in September, and Central’s vacancy rate was as low as 1.4%, close to the historic low of 2008.

Here’s more from Knight Frank:

Hong Kong will still have the lowest prime yields (2.9%) among 20 global cities in the world by the end of 2015 as office property prices surged in previous years.
Looking ahead, Thomas Lam expects rents in Central will increase no more than 5% in 2016 and rents will slightly drop 0-5% in Kowloon East with abundant new supply in the pipeline.

Despite the concentration of quality stock and attractive rents in Kowloon East, we believe CBD2 cannot replace Central in the short term because only some firms or operations prefer relocating to Kowloon East. In the long term, the emerging CBDs will serve as complements, rather than direct competitors, to Central.

As some significant projects like CBD2, redevelopment of Wan Chai government offices have already been put in place to provide new office space, Knight Frank research shows that, Hong Kong is likely to face a shortage of office space of around 2 million sq ft (equivalent to an office tower of a comparable size to Two IFC) by 2020.

Thomas Lam remains positive about the long-term outlook for premium and Grade-A office buildings in the city, due to sustained long-term demand boosted by the Mutual Fund Recognition Scheme.

If you need Loan, project funding, Bank Guarantee, SBLC, DLC or Letters of Credit please contact us immediately. 
Skype: loanandinvestments

Brokers are welcomed, appreciated and compensated with good commission. If you want to be our agent or broker please contact us via email for more information.

68 Chinese Lawyers Make Urgent Statement on Disappearance of Bao Zhuoxuan and Two Others in Myanmar

Beginning on July 9, 2015, human rights lawyers in China came under cruel assault. Bao Zhuoxuan (包卓轩), the 16-year-old son of disappeared rights lawyer Wang Yu (王宇) and activist Bao Longjun (包龙军) has been subjected to extralegal and inhumane treatement.

On July 9, Bao Zhuoxuan was intercepted and prevented from leaving China at the Beijing Airport, while witnessing his father being arrested. After that, he was put under surveillance at his grandmother’s home in Tianjin. Then he was sent to Inner Mongolia by the police, where he was made to study at a school the police designated, and monitored by local police while he did so. With his freedom limited and passport and other identification seized, he was unable to go to Australia for his study abroad program. Nor could he return to Beijing and live in his own home. He was even warned by police not to hire defense counsel for his parents.

Bao Zhuoxuan is not suspect of any crime, nor is he a criminal. The illegal measures taken by the Chinese police against this minor have violated the most basic human principles. Article II of the United Nations’ Convention on the Rights of the Child, to which the Chinese government is a signatory and ratifying party, says: “States Parties shall respect and ensure the rights set forth in the present Convention to each child within their jurisdiction without discrimination of any kind, irrespective of the child’s or his or her parent’s or legal guardian’s race, colour, sex, language, religion, political or other opinion, national, ethnic or social origin, property, disability, birth or other status.” The police of China have followed, surveilled, and restricted the freedom of Bao Zhuoxuan. This not only violates international law, as well as China’s own provisions in the “Law on the Protection of Minors,” but also involves in the crime of abuse of power.

On October 6, Bao Zhuoxuan, along with Xing Qinxian (幸清贤) and Tang Zhishun (唐志顺), friends of Bao’s parents, disappeared in Myanmar, in a region along the border with China. Numerous signs indicate that China’s police have an unshirkable responsibility for the disappearance of Bao and his companions.

For this reason, we the undersigned lawyers now make the following demands:

  1. That the Chinese government, as a signatory to the UN’s Convention on the Rights of the Child, guarantee the personal safety of Bao Zhuoxuan and others, assist the Myanmar government in expeditiously tracking their whereabouts, and notifying their relatives or guardians;
  2. The Chinese police, as one of the parties responsible for the disappearance of Bao Zhuoxuan and his companions, should ensure that the individuals inside the police force responsible for the incident be subject to the appropriate legal sanctions;
  3. Chinese police should immediately cease the harassment of Bao Zhuoxuan and the family members of other lawyers disappeared during the ongoing crackdown on lawyers that began on July 9. They should also cease illegally obstructing Chinese human rights lawyers and activists, and their family members, from leaving the country, and guarantee the right of Chinese citizens to exit and enter their homeland;
  4. The United Nations, governments around the world, and human rights organizations should express strong concern over the disappearance of Bao Zhuoxuan and others. They should fulfill their international obligations and protect the personal freedom and safety of Bao Zhuoxuan and his companions in Myanmar, and after they’ve left the Chinese border, so as to prevent unlawful infringements against them.


Yu Wensheng (Beijing) 余文生(北京)

Zhong Jinhua (Shanghai) 钟锦化(上海)

Teng Biao (Beijing) 滕彪    (北京)

Tang Jitian (Beijing) 唐吉田 (北京)

Zhang Tingyuan (Chongqing) 张庭源  (重庆)

Lin Qilei (Beijing) 蔺其磊 (北京)

Ma Lianshun (Henan) 马连顺 (河南)

Jiang Yuanmin (Guangdong) 蒋援民  (广东)

Chang Boyang (Henan) 常伯阳 (河南)

Feng Tingqiang (Shandong) 冯延强 (山东)

Ge Wenxiu (Guangdong) 葛文秀 (广东)

Ge Yongxi (Guangdong) 葛永喜 (广东)

Li Weida (Hebei ) 李威达 (河北)

Lan Zhixue (Beijing) 兰志学 (北京)

Tan Chenshou (Guangxi) 覃臣寿 (广西)

Ren Quanniu (Henan) 任全牛 (河南)

Wen Donghai (Hunan) 文东海 (湖南)

Wu Kuiming (Guangdong) 吴魁明 (广东)

Chen Jinxue (Guangdong) 陈进学(广东)

Tan Yongpei (Guangxi) 覃永沛 (广西)

Lü Zhoubin (Zhejiang) 吕洲宾 (浙江)

Li Jinxing (Shandong) 李金星 (山东)

Huang Hanzhong (Beijing) 黄汉中 (北京)

Li Fangping  (Beijing) 李方平 (北京)

Tan Weijin  (Guangxi) 覃玮进  (广西)

Zhang Lei (Beijing) 张磊 (北京)

Huang Zhiqiang  (Zhejiang) 黄志强  (浙江)

Deng Linhua (Hunan) 邓林华 (湖南)

Wang Xing (Beijing) 王兴 (北京)

Wang Qiushi  (Heilongjiang) 王秋实  (黑龙江)

Xu Hongwei (Shandong) 徐红卫 (山东)

Liang Xiaojun (Beijing) 梁小军  (北京)

Ran Tong  (Sichuan) 冉彤  (四川)

Fu Ailing  (Guangdong) 付爱玲  (广东)

He Weimin  (Guangdong) 何伟民  (广东)

Gao Chengcai (Henan) 高承才  (河南)

Wang Qingpeng (Hebei) 王清鹏  (河北)

Yu Quan (Sichuan) 于全  (四川)

Liu Shuqing (Shandong) 刘书庆 (山东)

Chen Nanshi (Hunan) 陈南石  (湖南)

Lü Fangzhi (Hunan) 吕方芝  (湖南)

Xiong Dongmei (Shandong) 熊冬梅  (山东)

Tian Yuan (Hunan) 田园(湖南)

Qu Yuan (Sichuan) 瞿远(四川)

Jiang Tianyong (Beijing) 江天勇  (北京)

Wu Liangshu (Guangxi) 吴良述  (广西)

Me Minfu (Hebei) 么民富(河北)

Liang Lanxin (Hebei) 梁澜馨  (河北)

Li Dawei (Gansu) 李大伟  (甘肃)

Liu Shihui  (Guangdong) 刘士辉  (广东)

Sun Qiang (Hunan) 孙强  (湖南)

Chen Zhizong (Beijing) 陈智勇  (北京)

Xi Xiangdong (Shandong) 袭祥栋  (山东)

Zhang Chongshi (Hunan) 张重实(湖南)

Zheng Enchong (Shanghai) 郑恩宠  (上海)

Zhang Jiankang (Shanxi) 张鉴康  (陕西)

Li Yuhan (Beijing) 李昱函  (北京)

Yang Hong (Zhejiang)杨红 (浙江)

Wang Guofang (Guangdong) 王国芳  (广东)

Zhao Xianfeng (Shanxi) 赵险峰 (陕西)

Liu Changzhong (Hunan) 刘长中 (湖南)

Wang Fengming (Hebei) 王凤明 (河北)

Fan Guogang (Jiangsu) 范国刚  (江苏)

Chen Jiahong  (Guangxi) 陈家鸿   (广西)

Shu Xiangxin (Shandong) 舒向新  (山东)

Liu Zhengqing  (Guangdong) 刘正清  (广东)

Liu Wei (Henan) 刘伟  (河南)

Tong Zhaoping (Beijing) 童朝平  (北京)

The declaration was made by the Chinese Human Rights Lawyers Group, a voluntary and open platform composed of over 280 Chinese human rights lawyers. We welcome more colleagues to join us to sign this statement. Please send your name and location where you practice to

Since its establishment on September 13, 2013, the group has organized joint petitions, aided lawyers in joining rights cases or incidents, and made a variety of similar efforts to protect human rights and promote the development of the rule of law in China. Any Chinese lawyer who share the same human rights principles and are willing to defend citizens’ basic rights are welcome to join the group.

Contact persons (in the order of Pinyin):

Chang Boyang 常伯阳 18837183338

Liu Shihui 刘士辉 18516638964

Tang Jitian 唐吉田 13161302848

Wang Cheng 王成   13616501896

Yu Wensheng 余文生 13910033651

If you need Loan, project funding, Bank Guarantee, SBLC, DLC or Letters of Credit please contact us immediately.
Skype: loanandinvestments
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.

Child refugees are subjected to genital tests to prove their age—and they may not even work

A young boy—let’s call him H—arrived in the UK in 2011. He had hoped his life would finally start to get better after fleeing Afghanistan. He was wrong.

Based on his physical appearance and demeanor, the UK decided H was “significantly” over the age of 18. Two social workers claimed H was “deliberately making himself look younger in his behavior” and was, in fact, in his early 20s. H was forced to live in adult housing and his mental health deteriorated. He was threatened with deportation.

Like so many people under the age of 18 seeking asylum, H was unable to produce documentary evidence of his age. Many simply don’t have time to grab these documents while fleeing, and others come from countries where births are not registered.  The sheer number of children traveling alone makes Europe’s current refugee crisis quite different to previous ones. In a recent report, the OECD described the 24,000 unaccompanied minors applying for asylum in Europe last year as “a particularly striking and worrying characteristic of the current refugee crisis.”

[pullquote]Some minors considerd intimate genital examination as abuse.[/pullquote]

Child asylum seekers pose a particular problem for European governments. There are advantages to being a minor in the asylum system as they’re entitled to housing, health, and educational support—and minors are much more likely to be given asylum. Butthat’s not the case for adults. Authorities therefore have an interest to ensure children are processed as children, and get the support they need, while adults are treated as such.

How do they do it? With no paper trail, several European governments undertake an age assessment to try and determine whether an asylum seeker is under 18.

These age assessments can vary widely across Europe, with some countries determining age just based on an applicant’s appearance or a series of interviews to see if they behave like a child. This is how it works in the UK, where age is disputed in 22% of young people’s asylum claims.

In the case of H, it wasn’t until a children’s legal center stepped in and ordered another assessment that H was finally declared to be 16—the age he claimed to be. H is just one case study (pdf) among many in the UK, where children as young as 14 (pdf) have been placed in adult detention centers.

The alternative is a medical age assessment.

Examining the sexual organs of children

This is common in many European countries, including Germany and Sweden, which have seen some of the highest numbers of asylum claims—with unaccompanied minors filing a large amount of these applications.

[pullquote]“We had problems because no doctors really wanted to do this.”[/pullquote]

It’s not always pleasant. Many unaccompanied minors undertake a dangerous journey when trying to reach Europe—often, they have to fit into small, uncomfortable spaces. Some become quite claustrophobic as a result. “These scans require people to go into a hole, which can be particularly traumatizing for asylum seekers,” says Juana Remus, a professor of law at Humboldt University in Berlin. “We had one case in Berlin where a minor threatened to kill himself if he was forced to undergo a MRI scan.”

In the majority of cases in Germany, an asylum seeker’s age is based on physical appearance and an interview. Then, if there’s any doubt, medical tests are also carried out. The consequence of refusing the age assessment in some cities, including Berlin and Hamburg, is that the asylum seeker will be treated as an adult.

A sample age assessment report from Saarbrücken, the capital of the German state of Saarland, shows how complex the process can be:

An asylum seeker’s sexual organs, pubic hair, body hair, facial hair, body type, their voice, and developmental disorders were all thoroughly examined. In the report, the youth officers note that the stage of development of the outer genitals was around that of someone aged 14.9 years, whereas the pubic hair was about an average of 15.2 years. The youth officers also examined the applicant’s penis, looking at the pigmentation, as well as his glans and testicles.

The report then goes on to detail a bone and dental age assessment, which included wrists and dental X-rays.

Some of the techniques used to determine age, such as radiographic imaging and physical examination to establish sexual maturity, are particularly distressing to minors who have already undergone a number of traumatizing experiences. According to a study published in the British Medical Bulletin in 2012, some minors considered intimate genital examination as abuse. This was particularly true for asylum seekers who have experienced sexual violence or female genital mutilation.

The UN’s Committee on the Rights of the Child released a damning report in 2014, where Germany’s age assessment process was criticized for involving “degrading and humiliating practices,” which didn’t necessarily produce accurate results.

A spokesman for the city of Hamburg said that the medical age assessment is voluntary and only conducted if there are doubts about age—but if a migrant doesn’t do it, then he is considered an adult. “Looking at genitals is a common procedure when visiting a doctor,” he added. Quartz also has reached out to the cities of Berlin and Saarbrücken and will update this post with any response.

In 2012, the British Home Office announced it would trial dental X-rays on child asylum seekers, but there was a significant backlash from many NGOs, medical bodies, and statutory agencies, who were concerned with the accuracy, legality, and ethical justification. The Home Office—which didn’t respond to repeated requests for comment from Quartz—later quietly dropped the plans.

Do the tests even work?

The medical tests themselves are a source of dispute, in any case. After deciding to conduct dental and wrist X-rays and pediatric examinations, for example, the Swedish Migration Board ran into a problem. “No doctors really wanted to do this,” Carl Bexelius, a spokesperson for the Board, tells Quartz. “They felt it was an ethical issue.”

Gunilla Klingberg, professor of pediatric dentistry at Malmö University in Sweden, tells Quartz that the reason she and her colleagues wouldn’t carry out the tests was simple. “Nobody wanted to do it because we as doctors take an oath that we should not harm our patients,” she explains.

Dental X-rays are used because, as with other skeletal changes, teeth develop throughout childhood growth. All of the teeth—except the third molars, or wisdom teeth—are fully formed by the age of 14-18 years. It’s the wisdom teeth that dentists examine when estimating age.

Klingberg says that while dental X-rays can estimate the age of children from three to 13 as they have more teeth developing, the room for mistakes increases significantly for young adults.

The margin of error for dental X-rays is estimated to be someone’s age is between 2-3 years, while for wrist X-rays the margin is between 3-4 years, she says. This margin of error can be particularly problematic for asylum seekers claiming to be 15 or 16. “You would never judge the age of someone by measuring their height, so why ignore the same biological variations that exist for teeth?” Klingberg says.

The medical age assessments also fails to take into account the particular variations due to ethnicity and socioeconomic backgrounds. For example, a young Somali asylum seeker may have significant developmental differences to their British, Swedish, or German counterparts, of which they’re being compared to.

Anna Bärtås, the vice-president of the Swedish Pediatric Society, tells Quartz that it asks all its members not to carry out age assessments for the time being. There’s a particular worry that the Swedish Migration Board would put too much emphasis on the X-ray results, as they demanded radiological results that clearly stated the skeletal age, while not making enough of an effort to ensure the process is more holistic.

“Since age highly influences the outcome of the asylum process, we think that it’s ethically and humanitarianly wrong to base the assessment on insufficient facts,” Bärtås says.

The standoff between the Board and Swedish doctors means the Board is now forced to tell asylum seekers to arrange their own age assessments and then hand in the results. “The Swedish Migration Board cannot advise them where to go because we’ve not been able to close any agreements with medical performers,” Bexelius says. This only harms the asylum seekers, he adds.

He says the Board is less concerned about the exact biological age, and more interested in deciphering if an applicant is 18 or under. If an applicant is unable to provide an age assessment, the Board has to decide on their whole case with the fact that the asylum seeker has not been able to meet the standard of proof to show their under 18.

When science is brought into legal proceedings like the age of an asylum seeker, it’s often seen as the arbiter of the truth—but there are limitations to how far medical assessments.

Gregor Noll, a professor of international law at Lund University, believes the asylum system is for erecting a boundary between a group of insiders and outsiders—a system that is enforced by violence. “We’re sending police in, we’re putting people on planes even if they resist their deportation,” Noll says. “So don’t expect it to transform itself to something objective and scientifically clean.”

The quest for economic freedom in South Africa is proving to be the ruling party’s downfall

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The conventional interpretation of economic freedom in the Western world refers to the freedom individuals have to work, produce, consume and invest in an economy. But in South Africa it is interpreted as the material security of people.

It is this economic freedom that continues to elude many in post-apartheid South Africa. The fruits of economic prosperity have not necessarily trickled down to the broader population.

South Africa is ranked among the top five unequal countries globally with a Gini-co-efficient of 0.63. This is high. The index measures income distribution in households, with 0 representing perfect equality and 1 perfect inequality.

Using the Palma index, which measures the distribution of income ratio between the richest 10% and poorest 40%, South Africa is also highly unequal with a score of 7.5.

 A key criticism against inequality measures is that they do not consider the impact that social welfare grants can make on reducing poverty. The Human Development Indexshows that, while there has been some improvement, life expectancy is only 61 yearsand the average years children spend at school is ten.

South Africa’s welfare system has been expanded. But the government led by the African National Congress (ANC) is accused of giving people social grants instead of true economic freedom.

The quest for economic freedom

At the birth of the South African democracy in 1994 the idea of freedom was intimately linked to that of transformation, not just politically, but socially and economically. Democracy implied not just changing the state. It entailed a more inclusive ownership of the economy, with all citizens sharing in the country’s wealth.

This was evident in many ANC discussion documents, including its “Ready to Govern” policy guidelines for a democratic South Africa released in 1992. The first step to transformation was to secure political power. This would put the ANC in a better position to advance social and economic change.

In conceptualizing the role of the state, the ANC envisaged that it would remain the gatekeeper and driver of the transformation project. In its self-conceptualization, the ANC would continue to fight for the complete liberation of people.

After political power was seized, the liberator (as in the ANC) would then be charged with leading the complete socio-economic rebirth of society through transferring wealth from the rich to the poor. This would be done through a developmental state, which would seek toactively guide economic development to meet the needs of the people.

What is interesting is the sense of entitlement to govern that emerges. The liberator party, through state capture and cadre deployment, would advance the democratic aspirations of its people to wealth, prosperity and economic freedom. This of course implied a moral and ethical elite that carried the best of the people at heart.

Economic freedom as an elusive dream

Economic transformation of unequal societies in a democratizing context is difficult. It requires a creative mix of policy options underpinned by a commitment to social justice.

Two out of 54 African states have successfully pursued a developmental agenda while maintaining a degree of democratic legitimacy: Mauritius and Botswana. For a democracy to endure, the people must see it as legitimate and to be delivering the promised goods.

As South Africa enters its third decade of democracy, the socio-political environment is becoming increasingly volatile as inequality deepens. The country has high unemployment rates, and protests against a lack of basic services are an almost a daily occurrence. Business confidenceis slowly declining in the midst of sluggish economic growth. We also cannot ignore the rise of systemic state corruption. And the failures of the education system could condemn future generations to a life of poverty and hardship.

 In response, the ANC has sought to undermine institutions that should hold it accountable. These include the public protector and the the media. It has blamed history for the country’s economic woes. It has also undermined the doctrine ofseparation of powers and used cadre deployment to entrench patronage for state capture.

Democratic stability is being undermined through unethical actions, endemic corruption, and a lack of delivery on key socio-economic issues. This is exacerbated if a sense of entitlement to govern emerges within liberator parties. They eventually see themselves as accountable to the political party and not the people. They begin to believe that the liberator will govern forever.

Because the ability of people to hold the liberator accountable diminishes, discontent finds expression in violent and destructive service delivery protests. People opt out of the formal mechanisms of participation, such as elections. A little less than half of South Africa’s voting age population now do not participate in elections. Support for the ANC among the voting age population has declined to 35%.

Looking into the future

In the midst of South Africa’s incomplete liberation because of a failure to make good on the promise of economic freedom, a mediocre track record of delivery on key socioeconomic issues and growing political volatility, the question that emerges is whether the liberator will relinquish power if the people will it so.

South Africa will hold local government elections next year. It seems that the ANC will either lose municipalities or win with smaller margins, thus reducing its dominance of municipal councils. Will the party respect the voice of the people, even when a vote is cast for another political party?

Inequality creates breeding grounds for revolt and instability, even against liberators. Societies only remain patient for so long before they start demanding the promised fruits of democracy and freedom. This can either be through the ballot box or through outright revolt. For South Africa, the 2016 municipal elections may very well give the country a glimpse into what extent the will of the people is indeed respected.

Tax efficient ISA / SIPP investments in the UK

Can’t fit all your investments into your ISA and SIPP tax shelters? Then you’re going to have to make some choices. Happily, the pecking order for maximum tax efficiency is clear cut.

In order of most important-to-shelter to least:

  • Offshore funds without reporting fund status
  • Bond funds / Fixed interest ITs
  • REITs
  • Individual bonds
  • Income producing equities
  • Foreign equities (arguable)

Tax efficient investing for your ISA or SIPP

To see why this sequence is likely to suit your circumstances, let’s just quickly tee up the relevant tax rates from April 2016:

 2016/17 Income tax Dividend tax Capital Gains Tax
Tax-free allowance £11,000 £5,000 £11,100
Basic rate taxpayer 20% 7.5% 18%
Higher rate taxpayer 40% 32.5% 28%
Additional rate taxpayer 45% 38.1% 28%

At a glance we can see that income tax is the nastiest while capital gains tax (CGT) is generally the most benign due to the high personal allowance (you can use your spouse’s too) and the ability to offset gains against losses.

Before we get into the guts of it, I’ve got to dish up some caveat pie:

  • This article is written for the 2016/17 tax year, so I’ve used the new dividend income tax rates.
  • Information on the CGT rate for 2016/17 is currently unavailable.
  • Interest is taxed at your usual income tax rate and basic rate payers will have a £1,000 personal savings allowance from April, reduced to £500 for higher rate payers and nil pounds beyond that.
  • If your interest or dividend income or capital gains pushes you into a higher tax band then you will pay a higher rate of tax on the protruding part.
  • I’m restricting this article to mainstream investments – no kinky stuff.
  • If you’d like a quick refresher on the tax deflecting powers of ISAs and SIPPs, well, just click on those links.
  • And if you’re not sure which is best for saving then try our take on the old ISA vs SIPP debate.

Non-reporting funds

Offshore funds that do not have reporting fund status are taxed on capital gains at income tax rates. As you can see in the table above that’s a hefty tax smackdown. Worse still, your capital gains allowance and offsetting losses are knocked out of your hands by HMRC like the school bully taking your lollipop.

If your offshore fund or ETP doesn’t trumpet its reporting status on its factsheet then it probably falls foul and should be stashed in your ISA or SIPP.

It’s worth double-checking HMRC’s list of reporting funds. Around 25% of offshore funds / ETPs available to UK investors don’t qualify.

It is possible for a reporting fund to lose its special status, therefore you could put all offshore investments in tax shelters, if you like to head off unlikely but plausible worst case scenarios.

Bond funds

Bond funds / ETFs are next into the tax bunker because interest payments are taxed at income tax rates rather than as dividends. Any vehicle that has over 60% of its assets in fixed income or cash at any point in its accounting year falls into this category.

Real Estate Investment Trusts (REITs)

REITs pay some of their distributions as Property Income Distributions (PIDs). PIDs are taxed at income tax rates not as dividends. Get ‘em under cover.

Individual bonds

Individual bonds are liable for income tax on interest just like bond funds. The only reason that bonds are slightly further down the list is because individual gilts and qualifying corporate bonds do not pay capital gains tax.

Income producing equities

The dividend tax situation has suddenly got a lot worse for UK investors, so high-yielding shares and funds should duck under your tax testudo next.

By all means prioritise protection for your growth shares if you think CGT is the bigger problem, but bear in mind you can defuse capital gains every year and you can always defer a sale.

Foreign equities

It isn’t necessarily a priority to get overseas funds and equities sheltered but there’s a tax-saving wrinkle here that only works with SIPPs. The issue is withholding tax which is levied by foreign tax services on dividends and interest you repatriate from abroad.

Some withholding tax will be refunded as long as you fill in the right forms. For example a 30% tax chomp on distributions from US equities becomes a mere 15%.

Foreign investments in SIPPs can have all withholding tax refunded but only if your broker is on the ball. You’d need to check. ISAs don’t share this feature.

If you hold foreign equities outside of a tax shelter then you can use whatever withholding tax you have paid to reduce your UK dividend bill.

So in the case of US equities, a basic rate taxpayer could use the 15% they’ve paid in the US to reduce their 7.5% HMRC liability to zero.

In other words, only higher rate / additional rate taxpayers should consider sheltering US equities in ISAs. Everyone can benefit from the SIPP trick, though.

Bow-wowing out

It only remains to say that this is generalised guidance and tax is a byzantine affair. Please check your personal circumstances.

Tax efficiency is important but whatever happens don’t let the tax tail wag your investment dog.

Take it steady,

Contact Us for all your funding needs, including Loans, Project Finance, BG, SBLC, L/C. 
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Top 11 Reasons why we are Number 1 BG & SBLC Provider In The World

When you are buying, selling, monetizing, funding or discounting Bank Guarantees, you only want to work with the most reliable, safe, ethical, knowledgeable, honest and efficient providers.
Here are Top 11 Reasons Why LOANS AND INVESTMENTS LIMITED should be Number 1 for you!
1. Unrivaled Authenticity – We are NOT Brokers! We are Direct to 5 Genuine Performing Bank Guarantee Issuers that are located in London, Dubai, New York and Hong Kong. We are Direct to Monetizers in Europe and Asia. There is no Broker between us and the BG Issuer or Monetizer, we have open direct unrestricted access to the most reputable industry Bank Guarantee and SBLC Providers and Monetizers. We know the signatories and members of the Bank Guarantee Funding Management Team have met Real Bankers inside Real Banks to conclude Real transactions.
2    Results 100% Guaranteed – We only use genuine, proven, authentic providers who are either billionaires, large financial institutions or bankers with over 10 years experience funding Bank Guarantee transactions. If you have a REAL deal, we will close it and bank it!
3    Complete End to End Managed BG Buy / Sell Program – We provide a comprehensive, integrated, prenegotiated, prestructured Bank Guarantee Issuing and Monetization Program with PROVEN providers. Hundreds of people are frantically trying to find a BG Issuer and Funder who will work together…. WE HAVE DONE IT!
4.    Knowledge and Expertise –  The industry is shrouded in secrecy, staked with misinformation and filled with uninformed brokers and clients. We see information as power and  provide you with more detailed information, comprehensive explanations, honest answers and warnings of what to watch out for than almost any others company in the industry! The more informed you are the more protected you are, that’s why subscribing to our newsletter is a MUST. This is also why we offer lengthy Program Overviews on services like our Fully Managed Bank Guarantee Program and Buy Leased Bank Guarantee Program.
5.  No Customer has ever had a failed transaction with us

6.  No Attorney Complaints Letters Ever 

7.  No Govt or Local Agency Complaints Ever Received

8.  No Lawsuits ever filed against us

9.  No Criminal Convictions for the Business in any Country

10. No Criminal Convictions  for any of our Owners in any Country

11. Brokers are Protected –
 We value and appreciate brokers working with us and protect them from any potential circumvention. Brokers can earn up to 1% on each successful transaction or client.
LOANS & INVESTMENTS LIMITED has carved out a reputation for credibility, transparency and responsibility. We care about our customers and their money!
Kindly contact us today for more information.



Skype:       loanandinvestments

Pollution in West Africa’s cities, Nigeria’s unique corruption, growing Africa’s bandwidth

Thinking about the type of corruption that really hampers Nigeria’s economy. It’s often assumed corruption is the only reason for the country’s failure to break past its lower middle income status. The argument is usually that if the billions stolen by corrupt leaders were recovered and invested Nigeria would prosper. But economic development is not an event occurring at a single point in time.

West Africa’s air pollution is reaching dangerously high levels—and we don’t know the worst of it. Air pollution in fast-growing cities like Lagos is reaching dangerous levels, writes Lily Kuo. But the worst part is almost nothing is known about the pollutants emerging from these new urban centers, says a new study.

Chinese investment in Africa is more diverse and welcome than you think. The China-in-Africa narrative has championed the idea the Asian giant’s dealmaking across the continent has been about offering to build much-needed infrastructure in exchange for much-needed natural resources. But new research of the types of deals shows much more nuance.

Kenya’s Julius Yego won the gold medal in javelin after learning how to throw on YouTube. Yego’s throw of 92.72m won the World Championship in Beijing by four meters writes Omar Mohammed, nearing the long-standing world record of 98.48. Remarkably, he was almost entirely self-taught by watching YouTube videos.

Africa’s internet may be slow, but bandwidth capacity is growing faster than anywhere else. Sibusiso Tshabalala explains that research into Africa’s internet capacity shows it’s growing faster than other world regions with a more than 50% annual rise in capacity each year. But that won’t necessarily fix the slow connection speeds.

Chart of the week

Africa’s richest man plans to almost double the continent’s cement production by 2020. Nigeria’s Aliko Dangote has inked a $4.3 billion partnership with Chinese firm Sinoma International to build cement facilities across the continent adding around 25 million tonnes over the next 30 months. But his target is 100 million tonnes by 2020.

Other things we liked

Generating cheap solar electricity. A research team at Stellenbosch University, one of South Africa’s top research universities, have solved a solar puzzle that even Google couldn’t crack: how to generate cheap solar power using small-scale mirrors to concentrate the sun’s energy,the Guardian reports.

African countries and the data revolution. An increase in mobile phone penetration on its own is not enough, African countries can harness this to develop data projects that can help generate solutions for commerce, adminstration and health, writes Neil Lawrence, a professor of machine learning at the University of Sheffield in the UK.

Money didn’t help solve the Ebola crisis, people did. Despite their lack of medical expertise, paramount chiefs, imams, priests and political leaders in Sierra Leone took the lead by passing 30 laws to curb the spread of Ebola in Freetown, the capital of Sierra Leone, writes the Economist.

This week, keep an eye on

East Africa’s leading currencies in Kenya, Uganda and Tanzania are expected to come under even more pressure as global investors flee emerging markets predict analysts to Reuters. But Nigeria’s struggling naira will stabilize in anticipation of dollar sales by the central bank.

Kenya’s leading mobile network Safaricom will hold its annual general meeting onThursday Sept. 3 at the Safaricom Kasarani Stadium. The company is handily winning its ongoing battle with No.2 operator Airtel’s attempts to paint it as a monopoly.

Kindly contact Us for all your funding needs, including Loans, Project Finance, BG, SBLC, L/C. 



Skype: loanandinvestments


1. There are so many scammers and time wasters, you need to do business with ONLY real and genuine provider like Loans & Investments Ltd.

2. We are genuine and legally registered Loans & Investments company operating in Both Europe and Asia.

3. We can issue your Letters of Credit from HSBC, Barclays bank, Citi Bank, Maybank, ANZ, Mandiri bank, Standard Chartered Bank or any Prime Bank of your choice.

4. Loans & Investments Ltd does not have any hidden fees, fakers and scammers will ask for different payments later, we are not like that.

5. We deliver with time and precision as set forth in the Deed of Agreement. we obey and follow the terms and conditions in our agreement, no gimmicks. 

6. We issue and deliver your letter of credit within 5 to 7 days. No stories, no lies…

7. Loans & Investments Ltd. are direct PROVIDERS of BG and letters of credits, Not Brokers. In the whole world there are less than 15 real providers, the rest are scammers, brokers and fake people with no connections. 

8. We are straight to the point, we do not play games.

The Vatican is in damage-control mode after the Pope sent his blessings to a same-sex family

When Francesca Pardi sent Pope Francis her children’s book, Why do you have two moms? she probably wasn’t expecting a response.

In her letter, sent on June 19, Pardi expresses respect for Catholics and says many have treated her well, but also says that representatives of the church have been disrespectful to her same-sex partnership and family, and she asks the Pope to check this behavior (translated from Italian):

Several Catholic organizations have lowered themselves to unworthy behaviors, deliberately deforming reality, the very ones who are meant to demonstrate a superior moral fiber: I would really like for you to stop them.

Pardi also sent the Pope a package of children’s books about untraditional families from her publishing house, Lo Stampatello (link in Italian). Why do you have two moms?, as well as two of Pardi’s other books, have been banned from Venice’s Kindergarten libraries.

But the pontiff did reply, sending a friendly though cautious letter postmarked July 10, via Monsignor Peter Brian Wells.

On her Facebook page, Pardi posted a picture of the envelope addressed to her by the Holy See. She did not post the Pope’s letter itself, but she summarized it (translated here from Italian):

He thanks me for the kind gesture and for the sentiment that motivated it, and hopes for an always more fruitful activity at the service of young generations and sharing authentic human and christian values.

The Pope closes the letter with his “apostle’s blessing” (a special benediction), for Pardi, she said, “together with Ms Maria Silvia Fiengo”—her same-sex partner and the other mother of her four children.

Pardi and others in Italy’s LGBTQ community in Italy took the Pope’s message as a sign of acceptance: In particular, his saying her work is “at the service of young generations” and the fact that he imparted a blessing upon her and her same-sex partner.

(Translated: I only said that the Pope’s message shows capacity of respectful dialogue with those with different way of thinking.)

The Vatican did not deny Pardi’s account of the Pope’s letter—but it made a point to throw cold water on the idea that the leader of the Catholic church was offering encouragement or an accepting message about LGBTQ lifestyles.

Father Ciro Benedettini, the Vatican spokesperson, published a note(link in Italian) asserting that in no way is the letter “meant to endorse behaviors and teachings unfit to the Gospel.” Benedettini also says that the Pope’s blessing was meant for the individual, and was “not in line with the church’s doctrine on gender theory, which has not changed in the slightest.”

Quartz has reached out to both Pardi and the Holy See for comments on the exchange and will update this post with any response.

While the church’s official position is that homosexual acts are a sin, the current Pope has at times hinted at a more tolerant view that have led many to hope for a change in stance—including by famously saying, in 2013, “If someone is gay and he searches for the Lord and has good will, who am I to judge?”

Italy remains a relatively inhospitable place for LGBTQ people. It is one of the few countries in Europe that doesn’t allow any form of same-sex unions, and the Italian government (link in Italian) has gotten an ultimatum from the European court of human rights to work on a law that allowed gay unions.

Many publicly still express hostility towards LGBTQ rights, and among them is the mayor of Venice, Luigi Brugnaro, whose first act in office was banning several children’s books from the city’s Kindergarten libraries, including Pardi’s Little EggWhat’s dad’s secret, and Why do I have two moms?

Several groups, mostly Catholic, have attacked the authors of the books, which media have dismissively called “gay fairytales,” claiming they try to “indoctrinate” kids to prefer gay unions.

But that was never the intention, Pardi said in her letter to the Pope.

“Maria Silvia and I opened the publishing house for the love of our kids,” she wrote. “The book Why do you have two moms? is simply our (their) story.”

“It’s not ideology,” she explained, “but love for a neighbor.”

Kindly contact Us for all your funding needs, including Loans, Project Finance, BG, SBLC, L/C. 



Skype: loanandinvestments


There are so many scammers and time wasters, you need to do business with ONLY real and genuine provider like Loans & Investments Ltd.

We are genuine and legally registered Loans & Investments company operating in Both Europe and Asia.

We can issue your Letters of Credit from HSBC, Barclays bank, Citi Bank, Maybank, ANZ, Mandiri bank, Standard Chartered Bank or any Prime Bank of your choice.

Loans & Investments Ltd does not have any hidden fees, fakers and scammers will ask for different payments later, we are not like that.

We deliver with time and precision as set forth in the Deed of Agreement. we obey and follow the terms and conditions in our agreement, no gimmicks. 

We issue and deliver your letter of credit within 5 to 7 days. No stories, no lies…

Loans & Investments Ltd. are direct PROVIDERS of BG and letters of credits, Not Brokers. In the whole world there are less than 15 real providers, the rest are scammers, brokers and fake people with no connections. 

We are straight to the point, we do not play games.

Lease Financial Instruments like Bank Guarantee (BG), Standby Letter of Credit (SBLC), DLC, Letters of Credit, MTN etc.

Instrument Leases, made simple.
Loans & Investments Ltd is a private loan and investment firm with a focus in Loans and International Project Funding, BG, SBLC, DLC and all letters of credit. Our mission is to bring International Funding to the mainstream market and allow our clients to take advantage of lucrative funding options available including our cutting edge financial Instruments specially for lease/rent.
What we do. Lease of Financial Instruments like Bank Guarantee, Standby Letter of Credit (SBLC), DLC, Letters of Credit, MTN etc.
Ever have a project so great that you believe in it with every fiber? But no matter how great it is, you can’t get a lender to budge. Not anymore.
Loans & Investments Ltd gives you the power to complete your funding. Depending on your needs or wants, we will provide you with Loan or Project Finance, BG, SBLC or in some cases DLC as the case my be.


There are so many scammers and time wasters, you need to do business with ONLY real and genuine provider like us.

We are genuine and legally registered company operating in Both Europe and Asia.

We can issue your Letters of Credit from HSBC Hong Kong, Barclays Bank, Citi Bank, Standard Chartered Bank or any Prime Bank of your choice.

We do not have any hidden fees, fakers and scammers will ask for different payments later, we are not like that.

We deliver with time and precision as set forth in the Deed of Agreement. we obey and follow the terms and conditions in our agreement, no gimmicks.

We issue and deliver your letter of credit within 5 to 7 days. No stories, no lies…

We are direct PROVIDERS, Not Brokers. In the whole world there are less than 15 real providers, the rest are scammers, brokers and fake people with no connections.

We are straight to the point, we do not play games.


Contact Us today for more information

Skype: loanandinvestments

Twitter: @loanbgsblc