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Money Times - February 9, 2016

Posted by Jill Kerby on February 09 2016 @ 09:00

CANVASSERS AT YOUR DOOR? HERE ARE SOME QUESTIONS FOR THEM

Some people dread political canvassers knocking on their doors, especially if they are still eating their supper or about to sit down to their favourite TV programme. Around here, canvassers who knock on my door are the ones who should be in dread.

“Will you give us your Number 1?” they ask with a big smile.  “Only if you tell me how your candidate/party stand on certain issues,” I reply with an even bigger smile.

I share the great HL Mencken’s view that every election is nothing more than “an advance auction of stolen goods”. But I grudgingly accept that ‘democracy’, however flawed, with its illusion that every vote counts, is still better than a outright monarchy, theocracy or single party dictatorship.

The reality is that our style of national government – elected, but parochial and  with power highly concentrated in a small, senior committee of ministers (and mandarins) within the greater cabinet means there is very little policy that the ordinary citizen can influence through the ballot box. Our membership of an increasingly powerful, centralised and autocratic European Union and the globalisation of the powerful financial industry has emasculated the power of so-called sovereign nations.  

In the end, much of the promised reforms and changes we hear from aspiring politicians on the doorstep is just noise. This is why it’s so important, regardless of what party gets in – that you do your best to build a personal financial ark for yourself and your loved ones.

This means understanding exactly who you can and can’t control, especially about the financial issues that affect your life. These include the amount of money you earn and how much tax you pay; how you spend, save and invest the money the government allows you to keep; what schools you send your children to; how you access healthcare and take responsibility for living as healthily as possible, and how you wish to live in retirement and old age.

These are some of the issues that the senior politicians can influence and change. There’s a chance that you might be able to plant a kernel of an idea or a reform of existing policies or taxes or charges that could actually be delivered for the good of everyone (and not just their favourite constituents or vested interests).

Here are some such issues that I plan t raise, starting with taxation ones:

-        The Irish government has no control over interest rates as we do not have our own currency. But it does control deposit interest and investment exit taxes. At 40% and 41% these taxes discourage prudent saving and investing and should be reduced or abolished. The 40% DIRT tax – a compulsory higher rate tax on income - is also charged on child savings, despite children (or their parents on their behalf) not being permitted an annual individual income allowance.

-        VAT at 23% is one of the highest rates in Europe. Lowering it back to 21% or lower will encourage consumer spending and boost domestic job growth.

-        The reduction of USC is welcome, but what about equalising the rates? Why are only self-employed people subject to the 11% rate on income over €100,000 and not everyone who earns above this arbitrary amount?

-        Some self-employed people are demanding access to the same social insurance benefits that apply to PAYE workers, for whom employers pay 10.75% PRSI in addition to the workers’ 4% gross income contribution. This option (to pay 14.75% PRSI on gross income) should be introduced.

-        Only people with natural, adopted or foster children can leave the maximum €280,000 worth of their assets tax-free to these heirs. This discriminates against individuals and couples who cannot have children of their own or who are unable to adopt. This arbitrary, tax-free sum should be extended to adults with no offspring.

-        If public servants are to receive a refund of all or part of the Pension Levy imposed on them since 2010, so should the €2.4 billion pension levy on private sector pension fund holders since 2011 be refunded.

-        All state and public sector Defined Benefit pensions (which are neither adequately funded nor invested) should be converted into funded/invested Defined Contribution ones.

-        The state old age pension is unsustainable and has to be reformed. PRSI contributions earmarked for this benefit should be voluntary.

-        Hundreds of millions of euro have been lost in the misselling of investment and insurance products due to commission remuneration. Commissions should be abolished.

Jill’s 2016 edition of the TAB Guide to Money Pensions & Tax is now in all good bookshops. If you have a personal finance question for Jill, email her at jill@jillkerby.ie or write to her c/o this newspaper.

 

 

 

65 comment(s)

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  28. WE OFFER ALL KIND OF LOANS
    We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) We Have Loan Programs Tailored For Any Profile And You've Come To The Right Place To Satisfy Your Business Needs. If Your Company Or You Know Of Any Company With Viable Projects / Proposals That Needs Financing, Kindly Write Us With The Loan Requirement. Please, Contact Us For More Information: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) You Will Hear From Us. Well Nice To Meet You And I look forward to our Business Acquaintance. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) Do You Need A Loan To Consolidate Your Debt At 1.0%? Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) Kindly write us back with the loan information; - Complete Name: - Loan amount needed: - Loan Duration: - Purpose of loan: - City / Country: - Telephone: - How Did You Hear About Us: Do You Need A Loan To Consolidate Your Debt At 1.0%? Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )
  29. WE OFFER ALL KIND OF LOANS
    Do You Need A Loan To Consolidate Your Debt At 1.0%? Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )
  30. stephen donald
    GENERIC FINANCIAL MANAGEMENT PLC is a British based financial consulting company with years of experience in the international and local finance market. Be it lease bank guarantee, Stand by letter of credit or any type of refinancing, talk to our team at GENERIC FINANCIAL MANAGEMENT PLC and certainly we will set your business on the right path with our sound and quality financial advice and services. Our bank instrument can be help you fund you projects in Trading, funding project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects.Having years of professional, invaluable experience in the banking and finance industry, and having access to dozens of different prominent trusted and reliable providers, our Financial Services consultants will crawl through hundreds of products to find one that perfectly matches your needs. Purchase Instrument of BG/SBLC : 32%+2% Min Face Value cut =5M- 10B EUR/USD Lease Instrument of BG/SBLC : 4%+2% Min Face Value cut = 5M- 10B EUR/USD DESCRIPTION OF INSTRUMENTS: 1. Instrument: Bank Guarantee (BG / SBLC) (Appendix A) 2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD). 3. Issuing Bank: HSBC Bank London, Barclays, Credit Suisse and Deutsche Bank Frankfurt. 4. Age: One Year, One Month 5. Leasing Price: 4% of Face Value plus 2% commission fees to brokers. 6. Delivery: Bank to Bank swift. 7. Payment: MT-103 or MT760 8. Hard Copy: Bonded Courier within 7 banking days. Name;Stephen Donald Email;genericfinancialmanagementplc@gmail.com Skype;genericfianacialmanagementp
  31. WE OFFER ALL KIND OF LOANS
    We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )
  32. WE OFFER ALL KIND OF LOANS
    Are You A Business Man Or Woman? Are You In Any Financial Mess Or Do You Need Funds To Start Up Your Own Business? Do You Need A Loan To Start A Nice Small Scale And Medium Business? Do You Have A Low Credit Score And You Are Finding It Hard To Obtain Capital Loan From Local Banks And Other Financial Institutes?. - Intermediaries / Consultants / Brokers Are Welcome To Bring Their Clients And Are 100% Protected. Interested Parties Should Contact Us For More Information Through Via E-mail: CYSCredits@Post.com ( CYSCredits@Asia.com )
  33. WE OFFER ALL KIND OF LOANS
    Do You Seek Funds To Pay Off Credits and Debts? PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com Is Here To Put A Stop To Your Financial Problems. We Offer All Kinds Of Loan (Personal Loan, Commercial Loan, etc.) We Give Out Loan With An Interest Rate Of 1.00%. Interested Applicants Should Contact Us Via Email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com
  34. Gary Snyder
    Contact: Gary Snyder Skype ID: readysteadyfinancesltd Email: readysteadyfinancesltd@gmail.com Tele: +447031912976 PARTICULAR INSTRUMENTS BANK Instrument: Fully Cash / Bank Guarantee (Standard ICC format) Age: Fresh Cut Interest Rate: ZeroCoupon Duration: One (1) year and One (1) day Currency: USD / Euro Menu Bank: WEB Top Amount: As Suggested by Beneficiaries Initial Deposit: Applies to Instrument Value Required Invoice Price: Four (4%) Percent of Face Value minus Paid Initial Payment Intermediate Fee: One Percent (1%) of the Face Value is paid by the Beneficiary Tranche: As per the agreed tranche schedule Shipping: Swift MT799 / MT760 Payment: Swift MT103 (Wire Transfer)
  35. WE OFFER ALL KIND OF LOANS
    Are You A Business Man Or Woman? Are You In Any Financial Mess Or Do You Need Funds To Start Up Your Own Business? Do You Need A Loan To Start A Nice Small Scale And Medium Business? Do You Have A Low Credit Score And You Are Finding It Hard To Obtain Capital Loan From Local Banks And Other Financial Institutes?. - Intermediaries / Consultants / Brokers Are Welcome To Bring Their Clients And Are 100% Protected. Interested Parties Should Contact Us For More Information Through Via E-mail: CYSCredits@Post.com ( CYSCredits@Asia.com )
  36. WE OFFER ALL KIND OF LOANS
    Do You Need A Loan To Consolidate Your Debt At 1.0%? Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )
  37. collinsbill
    Are you having one or two difficulties from other financial instrument lender? I want you to take a chance with us you will never regret doing business deal with our firm.We have direct and efficient providers. I am the sole (Direct) mandate to several genuine efficient providers for lease/sales BG/ SBLC and other financial instruments, at reasonable prices, Issuance by top AAA rated Bank in Europe.Presently, we focus on BG/SBLC for Lease and Sale transactions, However, our Lease BG/SBLC/MTN is 3+1% and Sale at 30%+1%. Should you find this interesting and acceptable? Kindly, contact us and we shall review and respond with DOA within 48hrs maximum. Please request for full procedure details if interested.(WE MOVE FIRST) For further inquiry contact: Contact us for further detail: Email:~inquiry.safewayfinance@gmail.com Contact us for your bank instruments such as SBLC/BG/LC/MTN 100% Protected
  38. WE OFFER ALL KIND OF LOANS
    Do You Need A Loan To Consolidate Your Debt At 1.0%? Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )
  39. Walsh Robert
    We are authorized Financial consulting firm that work directly with A rated banks eg Lloyds Bank,Barclays Bank,HSBC bank etc We provide BG, SBLC,and lots more for clients all over the world. We are equally ready to work with Brokers and financial consultants/consulting firms in their respective countries. Our procedures are most reasonable and safest as we operate a 100% financial risk free process which entails that the issuing and receiving bank continues the transaction immediately after DOA is countersigned We hope to establish a long term business relationship with you even after this first trial Regards WALSH SMITH, ROBERT email : info.iqfinanceplc@gmail.com skype: cpt_young1 Tel contact: +447031968934 Whatsapp: +447441393450 Registered No: 04374045
  40. Taylor Robert
    We are mandate to a Finance and Investment Company who is a premier provider of trade finance and project finance instruments as well as discountable bank i nstruments. We offer Genuine Bank Guarantees, Standby Letter of Credit, Pre Advice / RWA Messages, Documentary Letters of Credit, Bank Draft, Proof of Funds, Performance Bond, Medium Term Notes, and various SWIFT messaging services on lease and sale. We issue these instruments from prime banks, secondary banks, and financial institutions; and transmit SWIFT MT 760, MT 799, MT199, MT999 and other messages on behalf of our clients. We offer certifiable and verifiable bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions. Kindly contact for genuine inquiries and I can provide you with the needed information. FOR LEASING OF BG/SBLC MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M-20B LEASING FEE = 4% 2% FOR PURCHASE OF BG/SBLC MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M-20B PURCHASING PRICE = 32% 2% kindly contact us via email.. moathfinanceplc@gmail.com
  41. WE OFFER ALL KIND OF LOANS
    Do You Need A Loan To Consolidate Your Debt At 1.0%? Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )
  42. Liam
    GOLDEN CROWN FINANCE PLC is a British based financial consulting company with years of experience in the international and local finance market. Be it lease bank guarantee, Stand by letter of credit or any type of refinancing, talk to our team at GOLDEN CROWN FINANCE PLC and certainly we will set your business on the right path with our sound and quality financial advice and services. Our bank instrument can be help you fund you projects in Trading, funding project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects.Having years of professional, invaluable experience in the banking and finance industry, and having access to dozens of different prominent trusted and reliable providers, our Financial Services consultants will crawl through hundreds of products to find one that perfectly matches your needs. Purchase Instrument of BG/SBLC : 32%+2% Min Face Value cut =5M- 10B EUR/USD Lease Instrument of BG/SBLC : 4%+2% Min Face Value cut = 5M- 10B EUR/USD DESCRIPTION OF INSTRUMENTS: 1. Instrument: Bank Guarantee (BG / SBLC) (Appendix A) 2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD). 3. Issuing Bank: HSBC Bank London, Barclays, Credit Suisse and Deutsche Bank Frankfurt. 4. Age: One Year, One Month 5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers. 6. Delivery: Bank to Bank swift. 7. Payment: MT-103 or MT760 8. Hard Copy: Bonded Courier within 7 banking days. Name; Liam Callum Email; goldencrownfinanceplc00@gmail.com goldencrownfinanceplc00@consultant.com
  43. WE OFFER ALL KIND OF LOANS
    Do You Need A Loan To Consolidate Your Debt At 1.0%? Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )
  44. WE OFFER ALL KIND OF LOANS
    Do You Need A Loan To Consolidate Your Debt At 1.0%? Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )
  45. Rhoden Matt
    Financial Instrument For Business and project funds. We are a group of Finance industry professionals that facilitates Bank instruments SBLC and Bank guarantee for Lease and Purchase with a core Company executive team that has over years of expertise and experience in the bank instrument finance industry, we close deals, complete transactions, protect customers and achieve results. Our knowledge and relationships enable us to provide a wide variety of quality financial solutions to clients. Whether you are a new startup, medium or large establishment that needs a financial solution to fund/get your project off the ground or an established business looking for extra capital to expand your operations. The Instruments are usually issued by Top A Rated world banks and can allow you to enhance or secure your credit to carry out your commercial operations and support your projects with your preferred text verbiage as been approved by your bankers.Intermediaries and Brokers are 100% protected and healthy commision are paid. Instrument of BG/SBLC Purchase Instrument of BG/SBLC : 36%+2% Lease Instrument of BG/SBLC : 4%+2% Do contact us for more details for your financial solution. info.secureassetmgtltd@gmail.com Rhoden Matt
  46. patrick
    FRESH CUT BGs | SBLCs | GENUINELY BEING LEASED AND SOLD AT LOW RATES. We deliver with time and precision as set forth in the agreement. Our terms and Conditions are reasonable and we work directly with issuing bank lease providers, this instrument can be monetized on your behalf for upto 100% funding. 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. We help you secure and issue sblc and bank guarantee for your trade, projects and investment from top AA rated world Banks like HSBC, Barclays, Dutch Ing Bank, Llyods e.t.c because that’s the best and safest strategy for our clients.e.t.c DESCRIPTION OF INSTRUMENTS 1. Instrument: Funds backed Bank Guarantee(BG) ICC-600 2. Currency : USD/EURO 3. Age of Issue: Fresh Cut 4. Term: One year and One day 5. Contract Amount: United State Dollars/Euros (Buyers Face Value) 6. Price : Buy:32%+2, Lease: 4%+2 7. Subsequent tranches: To be mutually agreed between both parties 8. Issuing Bank: Top RATED world banks like HSBC, Barclays, ING Dutch Bank, Llyods e.t.c 9. Delivery Term: Pre advise MT199 or MT799 first. Followed By SWIFT MT760 10. Payment Term: MT799 & Settlement via MT103 11. Hard Copy: By Bank Bonded Courier Interested Agents,Brokers, Investors and Individual proposing international project funding should contact us for directives.We will be glad to share our working procedures with you upon request. Regards with Gratitude, For Inquiry contact: Name : Patrick Oliver Email: onemainfinancial.ltd@gmail.com
  47. Ricky James Morris
    PLEASE READ!!!! PLEASE READ!!!! PLEASE READ!!!! PLEASE READ!!!! Hey Guys!!!Am so happy I got mine from Mike Fisher. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $14,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Mike Fisher because i met two people before her and they took my money not knowing that they were scams. But am happy now. Mike Fisher sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. i'm grateful to Mike Fisher because she changed my story all of a sudden . The card works in all countries except, Mali and Nigeria. Mike Fisher email address is blankatm002@gmail.com
  48. Puthai Nattaradol
    We are able to finance your signatory projects and help you enhance your business plan. Furthermore, our financial instrument can be used for the purchase of goods from any manufacturer irrespective of their location. It can also serve as collateral with any bank in the world to secure loans for your project or to activate credit line to finance your business plan. We have {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed. Email : nat.mandate18@gmail.com Skype : nat.mandate18@gmail.com Regards Nat
  49. WE OFFER LEASE BG,SBLC AND MTN
    We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project (s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffer driven offers. We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description. The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760, DESCRIPTION OF INSTRUMENTS: 1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A) 2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD). 3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt. 4. Age: One Year, One Month 5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers. 6. Delivery: Bank to Bank swift. 7. Payment: MT-103 or MT760 8. Hard Copy: Bonded Courier within 7 banking days. We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct. wrightjames931@gmail.com Regards, Wright Skype; wrightjames931@gmail.com
  50. Stephen Donald
    We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions. FOR LEASING OF BG/SBLC MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M LEASING FEE = 6%+2% FOR PURCHASE OF FRESH CUT BG/SBLC PRICE = 38%+2% MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding: For further details contact us with the below information. Name;Stephen Donald Email;genericfinancialmanagementltd@gmail.com Skype;genericfinancialmanagementl
  51. Thomas cronin on Aug 08 2019 23:11
    We are project funder as well as financial lender. We have BG/SBLC specifically for BUY/LEASE at a leasing price of 4%+2% of face value Issuance by HSBC London and many other 25 top AA rated Bank in Europe, Middle East or USA. We also secure funding. Also We are into the provision of short term and long term business/personal loans for both small and large scale business funds. * FOR LEASING OF BG/SBLC MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M LEASING FEE = 4%+2% * FOR PURCHASE OF FRESH CUT BG/SBLC PRICE = 32%+2% MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M 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. Name : Thomas Cronin E-mail : dpfinanciallimited@gmail.com Skype id : dpfinanciallimited@gmail.com
  52. WE OFFER ALL KIND OF LOANS
    Do You Need A Loan To Consolidate Your Debt At 1.0%? ValidusCapital@execs.com ( ValidusCapital@techie.com ) Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Through Via E-mail: ValidusCapital@execs.com ( ValidusCapital@techie.com ) We Offers Financial Consulting To Client, ValidusCapital@execs.com ( ValidusCapital@techie.com ) Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: ValidusCapital@execs.com ( ValidusCapital@techie.com )
  53. Wright
    Finding a genuine provider of financial instrument is very challenging but we are certified Financial Instrument providers in United Kingdom. Presently, we only focus on BG/SBLC for Lease and Sale transactions. However, our Lease BG/SBLC is 6+2% and Sale at 40+2%. Should you find this interesting and acceptable? Kindly, contact us and we shall review and respond with draft Contract/MOU within 48hrs maximum. Please request for full procedure details if interested. For further inquiry contact:Wright James Skype: wrightjames931@gmail.com Emai: wrightjames931@gmail.com
  54. findlay graham
    we are project funder 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 can help facilitate the financial service bank instrument SBLC /BG, We remain the best financial consulting company with years of experience in the international and local finance market.  We have become the hallmark of excellent service in this industry with trusted and genuine FCA registered SBLC Providers who have truly succeeded in creating significant value for all clients and brokers involved in leasing or purchasing sblc. DESCRIPTION OF INSTRUMENT: 1. Instrument: Bank Guarantee {BG} /StandBy Letter of Credit{SBLC} (Appendix A)2. Total Face Value: Eur/USD 1M{Minimum} to Eur/USD 10B{Maximum}3. Issuing Bank: AAA Rated Bank (Prime Bank).4. Age: One Year and One Day5. Leasing Price: 4% + 2%    Purchase Price : 32% + 2%6. Delivery: S.W.I.F.T MT-7607. Payment: MT103 (TT/WT)8. Hard Copy: Bonded Courier Service We specialize in Bank Guarantee lease and sales. Contact us for more details. Contact Email: info.wdbfinanceplc@gmail.com Skype  info.wdbfinanceplc Name  Findlay Graham.
  55. Elvis Roberts
    We specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed. We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description. All relevant business information will be provided upon request plus our terms and procedures. NAME : Elvis Roberts EMAIL : Inquiry.jmfinance@gmail.com WHATSAPP NO : +1(909)375-0798
  56. irving hammer
    Dear Sir, We are ready and able deliver bank instruments in the form of BG/SBLC to your nominated bank coordinates strictly in adherence,working with a strong team with years of experience , we are ready to take on any transaction around the world.interested clients should contact me strictly via email. Irving Hammer enquiry.hablandfinance@gmail.com... Note:serious clients only...
  57. JAMIE
    They are all scammers, they will make you pay after which they will give you an excuse asking you to pay more money, they have ripped me of $2000, i promised i was going to expose them. I figured it all out when my colleague took me to Pavel (HACKINTECHNOLOGY@GMAIL.COM) CELL PHONE +16692252253 He did perfect job, he hacks all accounts ranging from (Emails, Facebook, whatsapp, imo, skype, instagram, Phone cloning, DMV removal, tracking locations, background checks Kik etc. he also hacks cell phones, cell phone tapping and cloning, clears bad driving and criminal records, bank transfers, locates missing individuals e.t.c. You should contact him and please stop using contacts you see on websites to execute jobs for you, you can ask around to find a real hacker.
  58. kirby daniel mark
    We are project funder 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 can help facilitate the financial service bank instrument SBLC /BG, We remain the best financial consulting company with years of experience in the international and local finance market.  We have become the hallmark of excellent service in this industry with trusted and genuine FCA registered SBLC Providers who have truly succeeded in creating significant value for all clients and brokers involved in leasing or purchasing sblc. DESCRIPTION OF INSTRUMENT: 1. Instrument: Bank Guarantee {BG} /StandBy Letter of Credit{SBLC} (Appendix A)2. Total Face Value: Eur/USD 1M{Minimum} to Eur/USD 10B{Maximum}3. Issuing Bank: AAA Rated Bank (Prime Bank).4. Age: One Year and One Day5. Leasing Price: 4% + 2%    Purchase Price : 32% + 2%6. Delivery: S.W.I.F.T MT-7607. Payment: MT103 (TT/WT)8. Hard Copy: Bonded Courier Service We specialize in Bank Guarantee lease and sales. Contact us for more details. Email  info.flltd@gmail.com Skype   info.flltd Name Kirby Daniel mark
  59. Linda Mark
    HOW I GOT MY LOAN FROM THIS GREAT COMPANY Hello my dear people, I am Linda McDonald, currently living in Austin Texas, USA. I am a widow at the moment with three kids and i was stuck in a financial situation in April 2018 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not full prey to those hoodlums at there that call them self-money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I met Mr. David Wilson the most interesting part of it is that my loan was transfer to me within 74hours so I will advise you to contact Mr. David if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (davidwilsonloancompany4@gmail.com) No credit check, no cosigner with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr. David Wilson today for your loan They offer all kind of categories of loan they Short term loan (5_10years) Long term loan (20_40) Media term loan (10_20) They offer loan like Home loan............., Business loan........ Debt loan....... Student loan.........., Business startup loan Business loan......., Company loan.............. etc Email..........( davidwilsonloancompany4@gmail.com) When it comes to financial crisis and loan then David Wilson loan financial is the place to go please just tell him I Mrs. Linda McDonald direct you Good Luck.......................
  60. MR KONSTANTINOS DIMITRIOS on Feb 16 2020 13:10
    We are major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe. we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable. DESCRIPTION OF INSTRUMENTS: 1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A) 2. Total Face Value: 10M MIN to 50B MAX USD or Euro 3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 . 4. Age: One Year, One Day 5. Leasing Price: 4 1% 6. Sale Price: 32 2% 7. Delivery by SWIFT . 8. Payment: MT103-23 9. Hard Copy: Bonded Courier within 7 banking days We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct. For further details contact us with the below information.... MR KONSTANTINOS DIMITRIOS Email: financeplcgoldencrown@gmail.com Skype ID...financeplcgoldencrown@gmail.com
  61. MR KONSTANTINOS DIMITRIOS on Feb 16 2020 13:39
    We are major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe. we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable. DESCRIPTION OF INSTRUMENTS: 1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A) 2. Total Face Value: 10M MIN to 50B MAX USD or Euro 3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 . 4. Age: One Year, One Day 5. Leasing Price: 4 1% 6. Sale Price: 32 2% 7. Delivery by SWIFT . 8. Payment: MT103-23 9. Hard Copy: Bonded Courier within 7 banking days We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct. For further details contact us with the below information.... MR KONSTANTINOS DIMITRIOS Email: financeplcgoldencrown@gmail.com Skype ID...financeplcgoldencrown@gmail.com
  62. Abel Chadwick
    Are you an individual businessman or a business organisation that wishes to expand in business ??, we offer financial instrument such as BGs, SBLCs,MTNs, LCs, CDs and others on lease and sales at a rate of 4%+2% of the face value and reasonable conditionfrom a genuine provider. You are at liberty to engage our leased facilities into trade programs as well as in signatory project(s) such as Aviation, Agriculture, Petroleum, Telecommunication and any other project(s) etc. Contact : Mr. Abel Chadwick Contact Email: abelbroker9000@gmail.com Whatsapp : +380 50 922 4887 With our financial/bank instrument you can establish line of credit with your bank and/or secure loan for your projects in which our bank instrument will serve collateral in your bank to fund your project. We deliver with time and precision as set forth in the agreement. Our terms and Conditions are reasonable and we work directly with issuing bank lease providers, this instrument can be monetized on your behalf for upto 100% funding. 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. All relevant business information will be provided upon request. BROKERS ARE WELCOME & 100% PROTECTED!!! If Interested kindly contact me via Email:~ abelbroker9000@gmail.com serious enquiry only.
  63. Liam Callum
    GOLDEN CROWN FINANCE PLC is a British based financial consulting company with years of experience in the international and local finance market. Be it lease bank guarantee, Stand by letter of credit or any type of refinancing, talk to our team at  GOLDEN CROWN FINANCE PLC and certainly we will set your business on the right path with our sound and quality financial advice and services. Our bank instrument can be help you fund you projects in Trading, funding project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects.Having years of professional, invaluable experience in the banking and finance industry, and having access to dozens of different prominent trusted and reliable providers, our Financial Services consultants will crawl through hundreds of products to find one that perfectly matches your needs. Purchase Instrument of BG/SBLC : 32%+2% Min Face Value cut =5M- 10B EUR/USD Lease Instrument of BG/SBLC    : 4%+2% Min Face Value cut = 5M- 10B EUR/USD                                         DESCRIPTION OF INSTRUMENTS: 1. Instrument: Bank Guarantee (BG / SBLC) (Appendix A) 2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD). 3. Issuing Bank: HSBC Bank London, Barclays, Credit Suisse and Deutsche Bank Frankfurt. 4. Age: One Year, One Month 5. Leasing Price: 4% of Face Value plus 2% commission fees to brokers. 6. Delivery: Bank to Bank swift. 7. Payment: MT-103 or MT760 8. Hard Copy: Bonded Courier within 7 banking days.                                                                        Name; Liam Callum Email; goldencrownfinanceplc00@gmail.com             goldencrownfinanceplc00@consultant.com 
  64. blaine lorcan
    We are project funder as well as financial lender. We have BG/SBLC specifically for BUY/LEASE at a leasing price of 4%+2% of face value Issuance by HSBC London and many other 25 top AA rated Bank in Europe, Middle East or USA. We also secure funding. Also We are into the provision of short term and long term business/personal loans for both small and large scale business funds. * FOR LEASING OF BG/SBLC MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M LEASING FEE = 4%+2% * FOR PURCHASE OF FRESH CUT BG/SBLC PRICE = 32%+2% MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M 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. Contact Name : Blaine Lorcan Contact Email: blainelorcan@gmail.com Skype:blainelorcan@gmail.com Whatsapp Num: +1(501)420-4128
  65. FREDY OUSEPH
    ARE YOU LOOKING FOR LOAN, PROJECT FINANCE, STARTUP FUNDING, MT760 BG/SBLC LEASE OR SALE ??? WE ARE REGISTERED PRIVATE LENDER, INVESTOR, FINANCE TRADER, DIRECT PROVIDER OF BANK GUARANTEES(BG), STANDBY LETTERS OF CREDIT(SBLC), LETTER OF CREDIT (LC), NON RECOURSE LOAN, PROJECT FUNDING FROM TOP RATED BANKS WORLDWIDE AT DISCOUNT RATE.. APPLY NOW!!! FOR CASH LOAN OR BANK INSTRUMENT TO START A NEW BUSINESS OR TO EXPAND EXISTING BUSINESS. PLEASE CONTACT US THROUGH EMAIL : GLOBALFINANCELTDHK@GMAIL.COM #PERSONAL LOAN!!! #BUSINESS LOAN!!! #MONEY LENDER!!! #IMPORT FUNDING!!! #EXPORT FUNDING!!! #TRADE FINANCE!!! #PROJECT FINANCE!!! #PROJECT FUNDING!!! #LEASE/SALE MT760 BG/SBLC!!!
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