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Indonesia’s fires have now razed more land than in the entire US state of New Jersey

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The fires in Indonesia that are creating hellish amounts of toxic smoke are also doing their job: clearing land. This year they’ve removed about 21,000 square kilometers (8,100 square miles) of forests and peatland, according to the country’s National Space and Aviation Agency (link in Indonesian).

For context, that’s greater than the land area of the US state of New Jersey, or of the nations of Slovenia, Kuwait, or El Salvador.

Set to inexpensively clear land for the palm oil and pulp-and-paper industries, the smoke from the fires have caused respiratory ailments in half a million people in Indonesia, and at least 19 have died (most from breathing in smoke, some from fire-fighting accidents). The fires have also cast a toxic haze over a large part of Southeast Asia, including Singapore and parts of Malaysia, Thailand, and the Philippines. By some calculations the smoke has catapulted Indonesia to the top of the rankings of the world’s worst global warming offenders, just ahead of the United Nations Climate Change Conference to be held next month in Paris.

The agency used satellite imagery and data collected from June 21 to Oct. 20 to make its calculations. It warned, however, that the final figure was likely to be higher. The fires are still raging, and there’s little hope of rain—delayed by El Nino—extinguishing the flames anytime soon. (Last week the Indonesian Red Cross extended its response period to the haze crisis until January.) And smoke still shrouding the land, it added, makes assessing the situation difficult for many areas.

Here’s the latest look at the first that were burning on Monday afternoon (Nov. 2) in Indonesia, according to Global Forest Watch, which is monitoring the situation in real time:

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(Globalforestwatch.org)

According to Indonesia’s space and aviation agency, about 6,180 square kilometers (2,390 square miles) of the land burned is peatland—highly toxic when drained and burned—and 15,000 square kilometers (5,790 square miles) is not. The fires have primarily hit Sumatra, Kalimantan, and the Indonesian side of New Guinea, which is considered the next frontier for Indonesia’s palm oil industry.

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Rogue Banking Developments Sending Shockwaves Through the Financial World

Loan and Investments SBLC

How did one man deposit less than thirty dollars into an account and then wind up becoming a millionaire? What kind of secret investment strategy is turning the financial world on its head?

These are just a few of the questions that investor Douglas Hill asked himself. The person who deposited those twenty seven dollars was named Kevin Koch and the secret currency he was putting his money into was Bitcoin.

You may have heard of Bitcoin. It’s the currency that doesn’t have any national backing, the one that lives and breathes on the internet.

It may just be the biggest revolution in economics since the invention of the stock market…

Why is investing in Bitcoin so worthwhile? There are no minimums to how much you have to deposit into the account. And you can get at the money at any time, with no lock out periods. There are no fees, hidden charges, or restrictions on where you have to be to use it. You could live on Antarctica or right in the middle of the town where you grew up—it doesn’t make a difference. This underground currency system doesn’t have the regulations that bog down the rest of the world of finance and banking.

But how are average investors like you supposed to know where to get access to quality Bitcoin markets and information? Here is a tip: The easiest way to find out everything you need to know about profiting from the Bitcoin craze, is to sign up for The Laissez Faire Letter, which will give you access to ‘The Bitcoin Bible: The Safest and Easiest Ways to Buy, Sell, Store, and Speculate’.

The Laissez Faire Letter is what Douglas Hill created to help people guide their way through these uncertain economic times. It stands for everything you believe about the economy—that it exists solely for you to make money. Period. That’s why when you subscribe for this amazing newsletter you’ll receive absolutely free access to three amazing publications: The Bitcoin Bible,The Obamacare Antidote, and How to Make Yourself Invisible to the NSA.

Each of these eBooks are targeted at the same audience as The Laissez Faire Letter: Ordinary people who just happen to have a problem with being told by the government that there is only one way that things have to be done – their way.

These eBooks are for those people who just say NO to big government and those who believe that privacy is NOT something that has to be compromised on in the name of liberty. If you are one of these people, you may have just found not only a way to protect yourself, but also to make yourself financially independent.

If you need Loan, project financing, Bank Guarantees, SBLC, DLC or Letters of Credit kindly contact us immediately for more detailed information. 
 
 
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More than 45 Venture Capital Backed Unicorns have been added in the last two quarters

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Source: loanandinvestments.com

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BROKERS ARE WELCOME & ARE 100% PROTECTED!! If you want to be our broker or company representative please contact us via email for more information.

FRESH CUT & SEASONED BG, SBLC, MTN, DLC, LC FOR LEASE

We are direct providers of both Fresh Cut and seasoned BG, SBLC, DLC and MTN which are specifically for lease. Our bank instrument can be engaged in Monetizing, Trading and Discounting of kind of projects. We do not have any broker chain in our offer neither do we get involved in chauffer driven offers. We deliver with time and precision as set forth in our Deed Of Agreement. Our terms and Conditions are reasonable, below is our instrument description.

DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG/SBLC)
2. Total Face Value: Min of 1M Euro/USD to Max of  50B Euro/USD
3. Issuing Bank: HSBC London or Hong Kong, Barclays Bank London, Deutsche Bank Frankfurt or any Top 25 Prime Bank.
4. Age: One Year, One Day
5. Leasing Price: 4.0% of Face Value plus 1+% commission fees to  brokers.
6. Delivery: SWIFT TO SWIFT.
7. Payment: MT-103.
8. Hard Copy: Bonded Courier within 7 banking days.

All relevant information will be provided upon request.
If Interested kindly contact us via below Emails:

 
 

Number One Managed Bank Guarantee Financing Program

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

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

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

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

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

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

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

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. 
 
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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.

ICBPO is illegal because it has been Banned

ICBPOs Illegal

ICBPO (Irrevocable Conditional Bank Pay Orders) are now banned and have been made illegal by most governments. BG and SBLC Issuers that continue to ask for ICBPOs as payment are completely out of touch by seeking a form of financial payment that has been made illegal in most countries. Any supplier that requests payment by ICBPO clearly doesn’t understand the Bank Guarantee Industry and is an amateur not a professional. You cant be a credible financial supplier and request your customers pay you using illegal means eg ICBPO.

So why have most governments banned and made ICBPOs illegal?

Answer: When an ICBPO (Irrevocable Conditional Bank Pay Orders)  for 500 Millions Dollars is lodged with a Bank in Country A to “Irrevocably” pay a Bank in Country B. The National Balance of Payments Accounts in BOTH Countries is immediately effected!

Country A incurs a 500 Million Dollar Balance of Payments Debit (Deficit) and  Country B receives a 500 Million Dollar a Balance of Payment Credit. This immediately affects BOTH countries National Debt Balance Sheets and can also have an affect on the countries exchange rate because of the sheer size of the transaction.

The the above action occurs immediately when the Bank Pay Order is written because the Bank Pay Order is “Irrevocable” meaning it cannot be cancelled.

The situation gets worse when Bank A issues the ICBPO for 500 Million but Bank B doesn’t deliver the Bank Guarantee and defaults on the transaction…. This leaves Bank A unable to cancel their ICBPO or recover their 500 Million Dollar payment for a transaction that did not occur. AND Leaves Country A with a 500 Million Dollar Deficit when no goods or services were transacted!

ICBPOs Illegal

Most Governments have now recognized the extreme risk and effect ICBPOs have on their economies and as a result they have banned them and made ICBPOs illegal for all parties except for very large specially licensed financial institutions that have been given direct government approval. Those institutions are few and far between and rarely operate in the Bank Guarantee Industry.

So ICBPOs are well and truly off the Bank Guarantee menu! Normal BG and SBLC Payment Guarantees of MT799 have replaced them.

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

Aston Martin is working on an electric supercar with double the horsepower of its gas-powered cars

One of the most quintessentially British cars will soon be driving into the 21st century. At a Bloomberg conference in London Monday (Oct. 12), Aston Martin CEO Andy Palmer said that the car company is working on an all-electric version of its Rapide sports car, which it plans to have available by the end of 2017. And it’s going to be a beast.

“We’re talking about an electric Aston Martin with between 800 and 1,000 horsepower—imagine having all that torque on demand,” Palmer told Bloomberg. (For reference, the 2015 gasoline-powered Rapide model has 552 horsepower, whereas a Tesla Model S can have up to 691 horsepower.)

The company wasn’t immediately available for comment on how the electric Rapide will differ from the current model, but Palmer said onstage that the new car will be based on the existing model. After that, the company plans to put out an electric crossover vehicle. The company showed off a concept car earlier this year, called the DBX—the first crossover the company has made—and Palmer said this would be the basis for the company’s second electric vehicle.

The DBX concept crossover car.The DBX concept crossover car.

While Tesla currently has the luxury electric sports car market wrapped up with its Model S and recently announced Model X vehicles, the company will soon be facing increased competition. Audi, Mercedes, and Porsche have all announced their intentions to have electric vehicles on the road by the end of the decade. Tesla is likely to increasingly go after the rest of the market, however: CEO Elon Musk has said that the company’s next car—the Model 3—will be more affordable, starting at $35,000. Palmer said that Aston Martin has no intention to leave the luxury market, whether it’s electric or gasoline-powered, telling the conference he wants to avoid the “vanilla in the middle.”

James's new Aston Martin DB10, next to the classic DB5. Up next: Electric Bond?James’s new Aston Martin DB10, next to the classic DB5. Up next: Electric Bond?

For years, James Bond, the protagonist of the British 007 spy films, has driven an Aston Martin. He’s experimented over the years with Germans and Italians over the years, but seems to always find himself back behind the wheel of a British classic. In the upcoming Bond film, “Spectre,” James will be driving the new Aston Martin DB10. And Palmer said there’s a chance that an electric vehicle could make it into a Bond film in the future (assuming there’s another one): “It’s an awfully good getaway vehicle,” he said. “I don’t think James really cares what the power train is as long it’s fast and beautiful.”

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.

Some reasons why your investment proposal won’t get read!

Check your investment proposal for the following errors or shortcomings:

1. Can’t open the file: the file is password protected or in a file format that is not universal (PDF) or that uses old versions or formats.

Use universally accepted formats that everyone can open, like PDF’s.

You have no idea how many such investment proposals I have seen in my career, do you really think that your would-be investor will send you an email asking for the password or the right program?

Scroll down to the bottom of this page to find a form to make comments, initiate discussions or share your experiences about these tips.

2. No ‘teaser’. No brief presentation. “What do you need money for?”

It’s called the ‘elevator-pitch when you have only 30 seconds. In the movie world it’s the synopsis. In investment jargon we call it ‘the teaser’. A short text that will inform me what you are all about. “What do you need? Tell me succinctly and purposefully exactly what you are looking for and why”. Make it brief.

3. Poor writing and/or spelling in your cover letter/email.

The cover letter with your business plan/investment proposal needs to open the door for you. Otherwise that door will get slammed into your face.

If you can’t write a simple introduction to your business proposals and explain in a few words what you are offering or what you are asking for, forget it! If you can’t do this yourself, ask someone else to do it for you.

4. Typing or Spelling errors on the front page or in the title.

You have no idea how many business plans we have seen over the years with enormous mistakes in titles, subtitles, and even huge mistakes, right on the cover page.

How about having someone evaluate what you have? Seek out family, friends, other business people, or a professional.

5. Failure to specify the amount of business funding required.

Too many business plans do not mention this key piece of information.

I remember wasting my time with excellent business plans, going through them over and over trying to figure out how much money they needed. Finally, I would give up, too much time wasted.

6. No index page in the business plan.

Having the option of a quick overview with a table of contents to assess what’s in your ‘paperwork’ is a requirement that will help the reader decide if they want to go through the task of reading it all.

This is the suit-and-tie approach: the guy who walks into your office knows already that he will get the deal. He has clearly organized the points that he will make in his investment proposal.

7. Outdated contact details in business proposals or business plans, or none at all.

Basic company information with a list of key company management and their contact details is a first requirement. Please do update changes. If someone tries to contact you and gets a disconnected line or a non-existing email address, you’re out.

8. Poor quality images or logos.

The use of images, photos and logos needs to be accurate, timely, well placed, and have a professional look. If you don’t have the right one and it looks bad, don’t use it.

Do your pictures look like they came from your $20.00 printer?

9. The look and feel of your investment proposal is outdated or simply unprofessional.

Business proposals that look like they come straight from a typewriter (in this day and age of high quality computer and print work), will be put aside. The ‘look and feel’ needs to be flawless. Keep the formatting consistent: avoid different fonts throughout the document, bad alignments and margins that change, and are not logical.

If you can’t do it by yourself, yes again, find someone who can. You can’t be an expert in every detail of your business. Business funding is a different world.

10. Timeline in your business plan: the presentation is obviously old and outdated.

Investment proposals or business plans reflect a point in time of a business that supposedly is alive and growing and full of ‘opportunity’. Your documents need to be up-to-date. Don’t use outdated presentations, check them before you send them to your interested parties. Old stuff won’t be read.

When your documents are outdated and are obviously older than six months, no one will look at them anymore.

11. The first paragraphs are unclear and just about incomprehensible, or they are not to the point.

From the first words you have to catch the reader’s attention with accurate and engaging information. If you don’t do that, the ‘buck’ will stop right there.

12. Some investment proposals are obviously written by a non-native English speaking person or organization. Failing to use proper English is unacceptable.

This is the same issue as the formats. If you are going to present to ‘the world’, let’s say to a database of thousands of investors, you have to use proper English. If it is not correct you will not be taken seriously. Find a good translator or someone who speaks correct English, let them help you.

It makes a wonderful impression to present a business plan coming from a non-English speaking country in flawless English. You just scored big.

13. The numbers don’t add up.

You would be surprised to find how many numbers don’t add up in business plans: like numbering of pages or references to pages, but also business projections, don’t make sense.

If you can’t add up or be accurate, would you expect to get big money from an investor who can?

14. Excessive length of the business plan.

Investors have no time reading documents of more than thirty pages.

Too much is too much. More details can be added during the due diligence phase.

15. Excessive appendices.

Again, the due diligence process will focus on such information and is not part of a business plan. Information overload will not do the job.

Attaching proof of revenue or contracts signed or pending will.

16. Absence of key content in your business plan.

These include lack of financial projections, market analyses and challenges such as risks, weaknesses, threats, competition.

Sketch a realistic picture. The investor is not stupid and does not believe in fairy tales.

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

Blog: https://loanandinvestment.wordpress.com

Website: http://www.loanandinvestments.com

EMAIL 1: ceo@loanandinvestments.com

EMAIL 2: loanandinvestments@outlook.com

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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.