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American Pride to Pacific Northwest

Most river cruisers travel in Europe and Asia, but American Cruise Lines — the largest operator of small ships in the U.S. — is sending a second ship to the Pacific Northwest.

American Pride will be joining Queen of the West to sail the Columbia and Snake rivers next year.

The repositioning of American Pride is the latest in growth and expansion of this cruise company. The 150-passenger ship, built only three years ago, has been the leading cruise ship on the Mississippi River. To meet the high demand for cruising on the Columbia and Snake rivers, this authentic paddle wheeler was re-named and will offer 7-to-10-day cruises, beginning April 2.

The American Pride will be replaced on the Mississippi next year by the larger America, currently being completed at Chesapeake Shipbuilding in Salisbury, Maryland.

American’s reputation — according to the cruise line —rests on its service and attention to guests. Chefs source local ingredients, and programs are led by experts in the fields of history, nature and culture, sharing their knowledge and passion for the region’s best-kept treasures.

The American Pride will boast the largest staterooms on the Columbia and the Snake. All suites offer expansive views (from anywhere within the stateroom) of the Columbia River Gorge’s lush landscapes, volcanic Mount St. Helens and brilliance of Multnomah Falls, on the route pioneered by Lewis and Clark over 200 years ago. There’s an abundant selection of all-inclusive onboard features: finely styled mahogany clad lounges, complimentary cocktail hours and locally celebrated musicians.

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.

The CEO of one of South Africa’s largest mobile networks thinks Whatsapp is a freeloader

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No one likes a freeloader. Ask Mteto Nyati, CEO of MTN South Africa—the second biggest mobile network in the country. Speaking to South Africa’s Fin24 on Oct. 13, Nyati said that over the top (OTT) operators like the popular messaging service, Whatsapp, are making gains without any investment.

“You have to regulate them because clearly they’re making a huge amount of revenue on top of the infrastructure that the operators have paid for. Somehow they have to contribute towards the building of this infrastructure,” Nyati said.

Over the top (OTT) operators like Whatsapp, Facebook, Skype and WeChat offer their services—including voice calling, messaging and video calling—over a data connection, without having to use traditional mobile networks. OTTs are increasingly frustrating mobile service providers, who battle declining revenues in their SMS and voice segments.

MTN has set aside R10 billion ($76 million) this year to invest in improving its 3G and LTE coverage—outspending its rival, Vodacom, on capital expenditure, according to a Hilton Tarrant, a South African telecoms commentator. This is to support its growing data service business—nearly 30% of MTN’s revenues are generated from data—while revenues from prepaid and postpaid messaging has been declining over the past two years.

With a 31% market share among South Africa’s social networks, Whatsapp is giving South African mobile operators a run for their money. In South Africa, the average cost of an sending a sms is R0.80, while messaging via the app can cost as little as R0.03.

Whatsapp voice calling, introduced this year in South Africa, has also proven popular with the average cost of a call via the app ranging from R0.02 to R0.92 per minute.

While they may be eating into the messaging and voice revenues of mobile networks, OTTs like Whatsapp aren’t completely bad for business. They can help fuel data consumption—a growing revenue stream for network operators if exploited well.

South Africa’s third largest network, with 19.6 million subscribers by the end of 2014, saw an opportunity a year ago by zero-rating Whatsapp on its network for close to a year. Though the promotion came to an end on Sept. 1—with the network opting to charge its customers R5.00 for a Whatsapp bundle. Cell C’s CEO, Jose Dos Santos, says zero-rating Whatsapp has worked well.

“Cell C has seen such great success in our venture to embrace over-the-top players like Whatsapp, and we are pleased to now bring an incredible value proposition to our customers,” said Dos Santos to iTWebAfrica.

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.

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.

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

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.”


We are project funders with our cutting edge and group capital fund we can finance your signatory projects and help you to enhance your business plan, our financial instrument can be used for purchase of good from any manufacturer irrespective of location. We specialized in BG, SBLC, MTN, CD,LC , Non collateral loan, project finance, confirmable Bank Draft and other financial instruments from AAA rated bank (Prime Bank). We also offer very flexible loan terms and our loan interest rate is just 3% per year.
Our financial instruments can be invested into High Yield Trading Program or Private Placement Programme (PPP). Please see our instrument description and leasing procedure as follow.
1. Instrument: Bank Guarantee {BG} /StandBy Letter of Credit{SBLC}  (Appendix A)
2. Total Face Value: Eur/USD 1M{Minimum} to Eur/USD 50B{Maximum}
3. Issuing Bank: AAA Rated Bank (Prime Bank).
4. Age: One Year and One Day
5. Leasing Price: 3.0% + 1% Broker commission
6. Delivery:  S.W.I.F.T   MT-760
7. Payment: MT103 (TT/WT)
8. Hard Copy: Bonded Courier Service
We specialize in Bank Guarantee lease and sales, there are two types of bank guarantee which are Direct Bank Guarantee and Indirect Bank Guarantee. Its used as Bid Bond, Payment Guarantees, Letter of Indemnity, Guarantee Securing Credit Line, Advance Payment Guarantees, Performance Bond Guarantee E.T.C.
Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected.
In complete confidence, we will work together for the benefits of all parties involved.

international business loan lenders, agricultural loans, Bg, SBLC, MTN and DLC providers

LOAN AND INVESTMENTS LTD is legally registered in Europe and Asia to provide Loans & International Project Funding. We offer flexible loan terms and our loan interest rate is just 3% per year.

We are also direct providers of banking Instruments such as Bank Guarantees, SBLC, DLC and  Letters of Credit to both local and international customers. Our Bank Instruments are issued from prime banks like HSBC, Barclays bank, Citi Bank, Standard Chartered, Deutsche Bank, UBS or any top bank of your choice.
Loans & International Project Finance

Bank Instruments like BG, SBLC, DLC, Letters of Credit (L/C)
Proof of Fund (POF)
Blocked Funds for Investments
Insurance Underwriting Services
Escrow Services
Trading Platforms
Show Net Worth Requirements
Corporate Finance
Private Equity
Investments/Wealth Management
Commodity Trading
Oil/ Petroleum Transactions


Email us today for more information.

Skype: loanandinvestments

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

Bank Guarantee & SBLC For the client’s Loan

This is a “collateral-first” procedure that is very rare to come by.

This Offer  will consider any type of project and fund it if the client can meet the criteria set forth. There are no restrictions as to size.

The minimum loan amount is US$150 Million (the larger the better).

The “Funding/Lending Source” can be any type of lender, i.e. Hedge Fund, Finance Company, Insurance Company, or other such entity. If the Lending Source is not a nationally or internationally recognized organization, it will have to be approved and must prove its ability to fund. The “bank” or “the funding/lending source’s bank” must be a bona fide bank listed in The Bankers’ Almanac.

It has been our experience that if the subsequent procedures are followed exactly in the following order, the transaction will probably be completed with a minimum of problems or frustrations.

If the client or the banker attempts to change this proven sequence, the entire transaction will become more complicated than necessary and seem confusing, and in all likelihood, will not be successfully completed.

When first approaching the client’s lending bank it is essential that the client addresses a specific sector of the bank. This is generally referred to as; “The Private Banking Sector”, or “The Wealth Management Sector”, the client can also ask for the “International Sector”, which deals with bank instruments. Beware, walking through the front doors of a commercial bank will not get the client to the right sector; usually the sector the client is seeking is in the corporate or divisional office of a bank.

Once the client finds the right sector and is speaking to the right bank officer, the client’s goal is to present himself and the client’s project for proper bank approval and underwriting process. First and foremost, the client’s lending bank is obliged to follow the rules and regulations of The Patriot Act. The Patriot Act requires all USA banks must first know their clients. All USA bank officials must be constantly on the lookout for any banking transactions which appear to be an attempt to get around the currency reporting requirements, for example, Laundry of Funds.


1)  First and foremost, the client must absolutely go to his bank and get himself and the project approved without relying on the collateral. The collateral will be provided only as an extra security and as additional collateral or cushion when the bank requests it. Remember, the bank is financing the project, not the BG or the SBLC, therefore the emphasis must be on the project, not the BG or the SBLC.

2)  Client bank’s evaluates the project, goes through the compliance and credit committee and finally the project is underwritten by the client’s bank.
Client’s bank gives full approval to fund the project, and as additional security requests from the client a BG/SBLC issued by a “AA” rated Western European or North American Bank. This must be provided in writing by the bank to their own client.


  •  99% of the times, the Client tells his bank that he HAS an instrument, whereas, he does not HAVE an instrument, he can obtain support for his project and an instrument to secure funds that the Bank or Private lender has conditionally committed to his project subject to the client being able to obtain the instrument.

Of course, the Banker sometimes assumes as much himself, which is why the verbiage of the “Approval Letter” is critical as it demonstrates that the Banker is clear on that point.

(The instrument is 99% of the time FIRST to either arrive or be on Euroclear etc. but the funds have to be there as a loan, so that the instrument is not hypothecated).

  •  Until this stage, all the KYC and due diligence need to be done by the client’s bank on their own client. This funding commitment must be gotten by the client using his and his project’s own strength AND his own close banking relationship. We can not either get involved or assist the client at this stage.

However, if at this stage the client needs our assistance then a fee will incur as per the level of service requested. The fee will be determined according to the service required from us. The type of service and the related fee amount inquiry may be requested in writing from us.

3)  Once the client’s bank is satisfied and the project is approved for funding- subject to the client providing an extra security in the form of an acceptable collateral- then, and only then, can the transaction move forward. The client must have a letter from his financing bank showing the approval to fund his project and the bank’s willingness to make the loan subject to receiving an additional acceptable security for the L/C, e.g. BG/SBLC/MTN issued by “AA” European or North American bank.

4)  Once the client’s bank has notified the client regarding the approval of the client and the project, the client then sends us the following:

  • The “Approval Letter”
  • Client Information Sheet
  • Passport copy of the principal
  • Corporate resolution
  • 3 to 5 page Executive Summary of the project including a 3-5 year financial overview, cash flow with income and expenses and profit and loss tables, must also include the drawdown schedule.
  • Signed and notarized “Letter Of Understanding” (LOU) (will be provided)
  • FPA for 1% (will be provided)

5)  Eventually, the bank will issue two letters and send them to our designated bank via swift MT799:

  1. One would state that they stand ready to provide a line of credit against BG/SBLC/MTN to be duly issued by at least  “AA” rated bank to be delivered to them via MT760. Furthermore this line of credit would be forwarded to our designated bank (in Europe or North America).
  1. The other would state that the funds would be sent  IMMEDIATELY, via MT103 upon receipt, verification and authentication of the BG/SBLC/MTN.

6)  After the client’s bank has executed the above mentioned 2 Letters, the bankers will contact one another and arrange all of the pertinent details for the delivery of the instrument.

7)  After the collateral has been sent as agreed, and the transfers have been honored, the transaction will have been completed and the client’s bank will be released from any further obligation.
The transfers  will be as follows:

For Transactions up to $499 Million:

94% to collateral provider
The remaining amount is for the Lending bank’s fees and interest.

For Transactions $500 Million and up:
90% to collateral provider
The remaining amount is for the Lending bank’s fees and interest.

How the project gets funded

The Funding Group is to fund the project on the basis of  equity participation, therefore the project will be fully funded and will have no debt burden or any loan repayments to make,  thus the project will be free and clear from any debts from day one. A buy-out (exit clause) may be negotiated and agreed to at the signing of the funding and ownership contracts.

The Funding Group, through their local major handling firms of accounts and attorneys, will remit the funds according to an agreed to schedule with the client until the project is completely funded.

All terms are negotiable.

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.

Top 11 Reasons Why We Are Number One BG & SBLC Providers 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!
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Why India’s $168 billion river-linking project is a disaster-in-waiting

India’s incredibly ambitious—and some say, incredibly reckless—Rs11 lakh crore ($168 billion) project to interlink its rivers is finally underway.

On Sept. 16, the Godavari and Krishna rivers—the second and the fourth longest rivers in the country—were linked through a canal in Andhra Pradesh. The project was completed at a cost of Rs1,300 crore ($196 million). A second scheme, the Ken-Betwa river project—estimated tocost Rs11,676 crore ($1.7 billion)—is currently under development, with completion likely by December this year.

This is a part of the Narendra Modi government’s plan to revive the river-linking project, which was first envisioned in 1982, and actively taken up by the Bharatiya Janata Party government under prime minister Atal Bihari Vajpayee in 2002.

Here is how the river-linking project works: The big idea is to connect37 Himalayan and peninsular rivers. So, water-surplus rivers will be dammed, and the flow will be diverted to rivers that could do with more water. In all, some 30 canals and 3,000 small and large reservoirs will be constructed with potential to generate 34 gigawatt of hydroelectric power. The canals, planned between 50 and 100 meters in width, will stretch some 15,000 kilometres.

“If we can build storage reservoirs on these rivers and connect them to other parts of the country, regional imbalances could be reduced significantly and lot of benefits by way of additional irrigation, domestic and industrial water supply, hydropower generation, navigational facilities etc. would accrue,” India’s National Water Development Authority describes the project on its website.

The project is expected to create some 87 million acres of irrigated land, and transfer 174 trillion litres of water a year. Also, half a million people are likely to be displaced in the process, according to a report (pdf) by Upali Amarasinghe, a senior researcher at the International Water Management Institute.

Ecologists and environmentalists warn that the project is imprudent and dangerous, especially since there is little clarity on the ultimate impact on such a massive undertaking.

Quartz interviewed a number of Indian environmentalists and activists, and here is what they had to say about this project:

“A river isn’t a pipe that we can control.”

— Dr Latha Anantha, director, River Research Centre

Firstly, there is no concept of deficit and surplus. That’s what we are making it to be. A river has a natural course and for years it has been following that. Who are we to say it has a surplus and it has a deficit? The river will carry as much as it can. Secondly, a river isn’t a pipe that we can control. You can’t compare a Ganga to another. It has different characteristics. And when you build a canal to flow the water that is diverted, you are displacing far too many human lives and the eco-system. For instance, in the Ken-Betwa project, the core area of the Panna national park will be affected. The government, wanting to do the project for political reasons without any sort of clearances, is basically, redrawing the entire geography of the country. Even if there is a surplus and flood, every river needs that. Thats how the natural ecosystem works. You can’t block it.

“There is no scientific basis for this”

— Himanshu Thakkar, coordinator, South Asia Network on Dams, Rivers and People

How do you conclude that river-linking project will be good? There have been no scientific basis to say that. All you have is an incomplete study that says this is good for the country. One has to exhaust all options and potentials before concluding that river-linking is the best alternative. Exhaust options such as watershed development, rainwater harvesting, ground water recharge, optimising existing infrastructure and cropping methods and then we can conclude that water-linking might be good. But there has been no assessments done. For instance, look at Maharashtra and Andhra Pradesh. The Marathwada region in Maharashtra is the worst drought-hit state in India today, and belongs to the Godavari basin. But at the same time, you want to divert water from Godavari to Krishna. It doesn’t make sense. There has to be assessment done because there is huge impact on the nature.

“Horrifying and ill-planned.”

— Medha Patkar, national convener, National Alliance of People’s Movement

This entire push for the river-linking is horrifying and is ill-planned. The hydrology of the rivers are changing and we are ignoring the cultural and ecological significance. Even the cost that the government is talking about, of Rs5.6 lakh crore ($85 billion) is based on old reports. Now the cost would be much more and would at least be Rs10 lakh crore. The bigger question is, who is going to fund this? Is the private sector going to do that? And if they do, they will only have interest in the land. The other thing is, there is no social impact assessment done on the livelihood of the people who are living in these areas. They don’t even engage the gram sabhas while taking decisions.

“River-linking is a social evil, economic evil”

— V. Rajamani, professor emeritus, Jawaharlal Nehru University, New Delhi

The interest in river-linking now is due to the big bucks involved in it for dam builders. A canal is not a river and it cannot support an ecosystem. What happens to everything that is living in the river? When water flows, there are a number of factors associated with it. There are micro organisms and there are marine life. We are taking away all of that by building dams and diverting water for something that is not even natural. When you build dams, you are displacing too many people. What will they do? They land up in slums in cities. River-linking is a social evil, economic evil and will ultimately lead to collapse of civilisation.

“These projects are not viable.”

— Sushmita Sengupta, deputy programme manager, Centre for Science and Environment

The basic concept of linking of rivers in India is to transfer water from where there is a surplus to a place where there is a deficit. But when such transfer of water takes place, there is a significant community displacement that happens along with it.

Another major issue in India vis-a-vis river-linking is that water is a state subject. Now states that have surplus water are not ready to give it to other states and there is a huge logjam which is cropping up time and again because of this. Even though the government is thinking of intra-state river-linking processes—where a river of a state is connected to another on in the same state—the environmental issues relating to these projects are very huge.

There is a big problem of desilting and there is no clarity on where the silt be actually dumped. Will it be somebody’s farm and will the farmers be affected or not? The government has not come clear on any of those points. So considering these environmental and community issues, overall I don’t think these projects are really viable.

A Hungarian mayor sends a threatening message to refugees with this weird homemade action video

Hungary has erected a razor-wire fence along its border with Serbia,detained over a hundred refugees, and even fired water cannons and used pepper spray on young children. Just in case refugees didn’t get the message, a far-right Hungarian mayor has released a dramatic homemade video warning them against coming to Hungary.

Laszlo Toroczkai is the mayor of Asotthalom, a village near the border with Serbia, which is at the heart of an ongoing humanitarian crisis. While Hungary’s treatment of refugees has been widely condemned, Toroczkai boasts about the number of policemen and soldiers manning the borders. The video shows the guards on motorbikes, in helicopters, and on horseback. These action shots are underscored by a soundtrack that you’d expect to find in a James Bond film.

The video uses drone footage to highlight the length of the border fenceHungarian authorities have built with Serbia—now extended to Croatia—and explains the potential consequences for illegal trespassers. Refugees who are caught damaging the fence or entering Hungary could be prosecuted and face jail time.

“If you are an illegal immigrant and you want to get to Germany, then the shortest journey from Serbia is through Croatia and Slovenia,” Toroczkai says, while showing alternative routes on Google Maps. “Do not trust lying human traffickers.”

At the end of the video, he emphasizes his point to make sure its sunk in: “Hungary is a bad choice. Asotthalom is the worst.”