Alch18.01 precious metals integrity lbma financial crime brochureJohn M Riggs
Precious Metals Integrity LBMA Financial Crime Brochure LBMA - GLOBAL AUTHORITY
FOR PRECIOUS METALS
MAINTAINS THE HIGHEST
STANDARDS FOR
RESPONSIBLE SOURCING.
VITAL TO THE CREDIBILITY OF THE STANDARDS IS THEIR BROAD SCOPE
COMBATING MONEY LAUNDERING, TERRORIST FINANCING AND HUMAN
RIGHTS ABUSES, INCLUDING CHILD LABOUR.
THE SCOPE OF BOTH THE GOLD AND SILVER GUIDANCE NOT ONLY MEETS,
BUT EXCEEDS, CONFLICT MINERALS REGULATIONS.
THE STANDARDS SET OUT MANAGEMENT SYSTEM REQUIREMENTS FOR
LBMA ACCREDITED PRECIOUS METAL REFINERS. THEY ARE AUDITED
ANNUALLY AND ARE REQUIRED TO PUBLICLY REPORT.
LOOKING FORWARD, LBMA IS EXPANDING THIS SCOPE TO INCLUDE THE
ENVIRONMENT AS WELL AS BOTH PLATINUM AND PALLADIUM.
LIBOR is published in five currencies and seven tenors. It is a forward-looking rate used for pricing financial products. By the end of December 2021, it will cease to be a market representative rate. Regulators have established committees to study alternative benchmarks rates. More in the slides.
Permission:
Reproduction permitted with attributions and link-backs. Thank you.
Alch18.01 precious metals integrity lbma financial crime brochureJohn M Riggs
Precious Metals Integrity LBMA Financial Crime Brochure LBMA - GLOBAL AUTHORITY
FOR PRECIOUS METALS
MAINTAINS THE HIGHEST
STANDARDS FOR
RESPONSIBLE SOURCING.
VITAL TO THE CREDIBILITY OF THE STANDARDS IS THEIR BROAD SCOPE
COMBATING MONEY LAUNDERING, TERRORIST FINANCING AND HUMAN
RIGHTS ABUSES, INCLUDING CHILD LABOUR.
THE SCOPE OF BOTH THE GOLD AND SILVER GUIDANCE NOT ONLY MEETS,
BUT EXCEEDS, CONFLICT MINERALS REGULATIONS.
THE STANDARDS SET OUT MANAGEMENT SYSTEM REQUIREMENTS FOR
LBMA ACCREDITED PRECIOUS METAL REFINERS. THEY ARE AUDITED
ANNUALLY AND ARE REQUIRED TO PUBLICLY REPORT.
LOOKING FORWARD, LBMA IS EXPANDING THIS SCOPE TO INCLUDE THE
ENVIRONMENT AS WELL AS BOTH PLATINUM AND PALLADIUM.
LIBOR is published in five currencies and seven tenors. It is a forward-looking rate used for pricing financial products. By the end of December 2021, it will cease to be a market representative rate. Regulators have established committees to study alternative benchmarks rates. More in the slides.
Permission:
Reproduction permitted with attributions and link-backs. Thank you.
Gold hong kong hkma facts and proceduresJohn M Riggs
CAUTION NOTICE :IT IS A SERIOUS OFFENSE IN HONG KONG NOT BEING CAPABLE OF EVIDENCING FUNDS OR EVIDENCING GOLD.
FAILURE OF THE PART OF THE BUYER OR SELLER TO PERFORM IS CONSIDERED TO BE
FRAUD WHICH WILL LIKELY LEAD TO ARREST AND PROSECUTION.
HKMA FACTS AND PROCEDURES
DURING THE PAST WEEK, TIME HAS BEEN SPENT WITH COMPLIANCE (LEGAL)OFFICERS AND BULLION OFFICERS OF BANKS IN HONG KONG CAPABLE OF PROCESSING GOLD TRANSACTIONS INVOLVING BILLIONS OF EURO/USD. THESE MEETINGS WERE TO CLARIFY BULLION BANKS POSITIONS WITH EXPECTATIONS OF GOLD SELLERS, MANDATES, AND INTERMEDIARIES.
THE POSITIONS OF THE BANKS WERE THAT THEY WOULD NOT: 1) ISSUE BCL(BANK COMFORT/ BANK CAPABILITY ) LETTERS.
2)ISSUE SWIFT MT600 OR ANY FORM OF SWIFT.
3) ISSUE POF LETTERS OF ANY OTHER ACCOUNT INFORMATION OF CUSTOMERS
4)ISSUE ANY OTHER FORM OF DOCUMENT/LETTER THAT INVOLVES BANK RESPONSIBILTY, IT ALSO WAS CONFIRMED THAT LOI, LOR, RWA, MOU HAVE NO ROLE IN GOLD TRANSACTIONS.
ONLY ONE ITEM OF PAPERWORK IS REQUIRED. AN INVITATION LETTER TO SIGN A SALES AND PURCHASE AGREEMENT AND A FEE PAYMENT AGREEMENT AT A SECURE LOCATION IN HONG KONG, SALES AND PURCHASE AGREEMENT/FEE PAYMENT AGREEMENT WILL ONLY BE SIGNED IN HONG KONG.
ASSAYERS AND BULLION OFFICERS CAN INSPECT GOLD IN SAFEKEEPING IN OTHER COUNTRIES. SELLERS OF GOLD CAN ELECT ONE OF THE FOLLOWING TWO PROCEDURES,
THESE TWO PROCEDURES ARE SIMPLE, EFFICIENT, AND QUICK , CHOICE IS THE PREROGATIVE OF THE SELLER,OR MANDATE.
All gold deals were regulated by the BISJohn M Riggs
1. All Gold Deals were regulated by the BIS – Bank of International Settlement.
To get access to the Archives requires ... see arch guide, article: Conditions for using the BIS Archives
Excerpt is to be inspected in the second attachment.
Arch guide (1) Guide to the BIS archivesJohn M Riggs
This guide to the BIS Archives is the key to the Bank for International Settlements’ (BIS)
collection of historical records that are over thirty years old and can be freely accessed by
researchers.
The BIS was created in 1930 by the Hague Conference as an international financial
organisation. Ever since, its key mandate has been to foster cooperation among central banks
and other agencies in pursuit of monetary and financial stability. Initially mainly focused on
Europe, the BIS, from the 1960s onward, became increasingly global in its activities and
outreach. Today it brings together sixty member central banks, representing countries from
around the world that together make up about 95% of world GDP. Apart from its headquarters
in Basel, Switzerland, the BIS has two representative offices, one for Asia and the Pacific in
Hong Kong SAR (since 1998), and one for the Americas in Mexico City (since 2002).
Throughout its history, the BIS has been involved in many historical events and developments
in the monetary and financial sphere. These include the repercussions of the world financial
crisis of 1931, the rebuilding of European multilateral payments in the 1950s, the transatlantic
management of the Bretton Woods system in the 1960s, and the international efforts to deal
with the fall-out of inflation and of the banking and debt crises in the 1970s through the 1990s.
The BIS played an important role in the early history of European monetary unification (before
the foundation of the European Monetary Institute in Frankfurt in 1994). It also hosts the
experts from the global banking regulation and supervision community, who have been
responsible for developing an International Capital Framework (known consecutively as Basel
Accord, Basel II and Basel III), a global agreement aimed at strengthening capital adequacy
rules for internationally active banks.
History can only be studied on the basis of properly organised and accessible source material.
Although the BIS as an international organisation is not bound by any national freedom of
information legislation, its Board of Directors decided in 1997 to voluntarily open for research
the Bank’s historical files that are over thirty years old. It is our hope that the publication of this
guide to the BIS Archives will provide a useful tool to any researcher wanting to shed light on
the history of international monetary and financial cooperation in general and of the BIS in
particular.
Raventech & University of North West presentation - emperors - 9 nov 2016-...John M Riggs
Naf-Tech combustion enhancer is a South-African product. Naf-Tech is a proprietary mixture of hydrocarbons that reduces the surface tension of the fuel when activated. Targeted activation ensures that Naf-Tech will not alter the distinct characteristics of the base fuel before the physical injection of the fuel takes place.
Naf-Tech improves fuel vaporisation during injection thereby increasing the burn velocity of the fuel transforming more of the fuel’s potential energy into mechanical energy. Naf-Tech is widely used in various applications such as transport, mining, earthmoving, diesel generators and shipping.
Naf-Tech is used by a number of companies, some of which are listed on the JSE. The majority of these companies have been using Naf-Tech for several years and have also concluded successful R&D programs using Naf-Tech.
6. Process forward
Should you wish to engage with us on drastically reducing your company’s energy efficiency (and carbon footprint) as described above please note that we do not enter into a “proof of testing-period” without payment. We have been testing and proving our product’s quality for over a decade. For this reason, a minimum order of 2000 lt/month is required for a 3 month period. Upon payment of the first order we will provide assistance to you through a team of experts to help you achieve maximum benefit from our product.
Should you find the above in order we look forward to hearing from you.
Export development by John M Riggs and Yuliya Lutsenko - contact via jophnmriggs@gmail.com and carbon copy at john.riggs@swiss-commodity.ch
Capepartymanifesto on 2011 110315061455-John M Riggs
Manifesto of the Cape Party for Independence of the Cape Provinces of South Africa
Intro to Cape Party The Cape Party was founded in 2007.
In 2008, the Cape Party was officially registered with the Independent Electoral Commission(IEC) as a political party in the Republic of South Africa.
The Cape Party will use all constitutional, legal and peaceful means to bring into effect the independence and self-determination of the Cape from the Republic of South Africa.
If the Cape Party receives a majority vote in an election within the Cape territory this will be an official mandate from the people of the Cape to declare the Cape a free and independent Republic, the Cape Republic.
The Cape Republic will be governed as an independent state.
The Cape people will form the nation of the Cape Republic and actively engage in the democratic and legal processes involved in the governance of the Cape.Sound political and economic policies will further our aspirations to join the prosperous nations of the world. We envision a system of direct democracy, and a peaceful and prosperous life style for all people of the Cape.
5 wear check naf-tech diesel - sans 342 reportJohn M Riggs
This is a nanotechnology is a South African product for diesel /petrol engines.
1. Engines last longer, runs cheaper, cooler, smoother and substantially reduced soot and odour.
2. Cost savings 10 to15% ( transport )and up to 28% on generators.
3. Use 3ml naftech to 1L fuel (300ml to 100L diesel )
4. Less GHG ( green house gas ) emissions.
5. Tested by CSIR and SABS approved (SANS 324 for diesel and SANS 1598 for petrol)
Naftech serves on the board of ASTM ( American Society for Testing Materials ) witch sets the international petroleum standards in 53 countries world wide.
Mechanical engineers are in the team for technical assistance.
4 diesel electric serv - test report 090827John M Riggs
This is a nanotechnology is a South African product for diesel /petrol engines.
1. Engines last longer, runs cheaper, cooler, smoother and substantially reduced soot and odour.
2. Cost savings 10 to15% ( transport )and up to 28% on generators.
3. Use 3ml naftech to 1L fuel (300ml to 100L diesel )
4. Less GHG ( green house gas ) emissions.
5. Tested by CSIR and SABS approved (SANS 324 for diesel and SANS 1598 for petrol)
Naftech serves on the board of ASTM ( American Society for Testing Materials ) witch sets the international petroleum standards in 53 countries world wide.
Mechanical engineers are in the team for technical assistance.
3 cummins gensets naf-tech tests 09 11 20John M Riggs
This is a nanotechnology is a South African product for diesel /petrol engines.
1. Engines last longer, runs cheaper, cooler, smoother and substantially reduced soot and odour.
2. Cost savings 10 to15% ( transport )and up to 28% on generators.
3. Use 3ml naftech to 1L fuel (300ml to 100L diesel )
4. Less GHG ( green house gas ) emissions.
5. Tested by CSIR and SABS approved (SANS 324 for diesel and SANS 1598 for petrol)
Naftech serves on the board of ASTM ( American Society for Testing Materials ) witch sets the international petroleum standards in 53 countries world wide.
Mechanical engineers are in the team for technical assistance.
Improve fuel consumption with Nanotechnology John M Riggs
This is a nanotechnology is a South African product for diesel /petrol engines.
1. Engines last longer, runs cheaper, cooler, smoother and substantially reduced soot and odour.
2. Cost savings 10 to15% ( transport )and up to 28% on generators.
3. Use 3ml naftech to 1L fuel (300ml to 100L diesel )
4. Less GHG ( green house gas ) emissions.
5. Tested by CSIR and SABS approved (SANS 324 for diesel and SANS 1598 for petrol)
Naftech serves on the board of ASTM ( American Society for Testing Materials ) witch sets the international petroleum standards in 53 countries world wide.
Mechanical engineers are in the team for technical assistance.
I would like to meet with you to discuss naftech in more detail.
Setting the Record Straight !!! BUBBLE BUST
ROUGH By Martin Rapaport
The diamond industry is
undergoing fundamental
structural change as the
rough diamond distribution
system self-destructs amid
collapsing rough prices.
Frankly, it’s good news.
Unprofitable, unsustainable and
unfair rough prices have been
the bane of our industry. For too
many years artificially high rough
prices have stolen profits from our
trade. The hard-working cutters, polished
dealers, jewelry manufacturers, designers and
retailers who have honestly added value to diamonds
have not received their fair share of diamond profits.
The major mining companies and the banks have
milked our trade dry by systematically supporting
rough prices that were significantly higher than polished
prices. This effectively moved profits from the trade to
the miners. The banks helped the miners squeeze profits
out of the trade by showering money on firms that
boosted rough prices to speculative unprofitable levels.
The overextension of credit created a situation similar
to what happened in the Real Estate Bust of 2008. Too
much credit created a price bubble that burst when it
became clear that the value of the underlying assets was
insufficient to repay loans.
In the case of the diamond industry, the banks were
complicit in the creation of the rough price bubble
because they consistently lent money to buy unprofitable
rough diamonds. As in the case of the real estate bust,
the banks were more interested in their short-term
profits than the ability of their
clients to repay loans. Once it
became clear that the clients
did not have the assets to
repay the loans, the bankers
chose to continue the
loans as long as the interest
payments were made. They
hoped that at some stage their
clients would accumulate huge
profits that would enable loan
repayment. But the rough borrowers
never got the big profits. De Beers and
the other mining companies kept raising prices
whenever polished prices increased so cutters remained
unprofitable and instead of a polished boom, we now
have a rough bust.
De Beers, ALROSA and the other mining companies
were beneficiaries of the banking boondoggle. They
took short-term profits without thinking about the
long-term negative implications of their relentless price
hikes. Essentially, money was moving from the banks to
the mining companies in a Ponzi scheme environment
involving overpriced rough diamonds supported by
diamond cutters who took the money from the banks
and gave it to the mining companies. Some cutters also
took their cut by setting aside some of the money the
banks so generously gave them. None of the players
who benefited from this game were innocent. Nothing
supported the high rough price levels other than even
higher rough prices supported by unsustainable loans.
The real victims are the legitimate diamond trade that
could not make profits adding value to diamonds because
151231 this is the lost year in rough diamonds - Source Edahngolan.comJohn M Riggs
This is the lost year in rough diamonds
Edahn Golan | Thursday, December 31st, 2015
What a horrible year it was. Miners, traders and retailers will remember 2015 as the year of
lost capital, walking on the cusp of bankruptcies, lost opportunities and diminishing value of
diamonds. How did it happen, could it been avoided and what lessons can be drawn from it –
short term and long?.................................... Many warn of manufacturers returning to old buying habits of buying rough almost regardless
of price. It would be a total disaster if it happens. Both miners and manufacturers should
be vigilant and act with a long-term view.
For the public mining companies, investor sentiment will continue to be challenging. As
mentioned, investors are a lot less interested in mining companies in general. Underperformance
and oversupply is standing in the way of price increases, according to Hodgson.
A possible outcome could be consolidation.
The perspective of judging a mining company for now is the ability to absorb weaker prices
over an extended period of time. Come to think of it, this is true for manufacturers and
retailers as well.
Source Edahngolan.com
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
Gold hong kong hkma facts and proceduresJohn M Riggs
CAUTION NOTICE :IT IS A SERIOUS OFFENSE IN HONG KONG NOT BEING CAPABLE OF EVIDENCING FUNDS OR EVIDENCING GOLD.
FAILURE OF THE PART OF THE BUYER OR SELLER TO PERFORM IS CONSIDERED TO BE
FRAUD WHICH WILL LIKELY LEAD TO ARREST AND PROSECUTION.
HKMA FACTS AND PROCEDURES
DURING THE PAST WEEK, TIME HAS BEEN SPENT WITH COMPLIANCE (LEGAL)OFFICERS AND BULLION OFFICERS OF BANKS IN HONG KONG CAPABLE OF PROCESSING GOLD TRANSACTIONS INVOLVING BILLIONS OF EURO/USD. THESE MEETINGS WERE TO CLARIFY BULLION BANKS POSITIONS WITH EXPECTATIONS OF GOLD SELLERS, MANDATES, AND INTERMEDIARIES.
THE POSITIONS OF THE BANKS WERE THAT THEY WOULD NOT: 1) ISSUE BCL(BANK COMFORT/ BANK CAPABILITY ) LETTERS.
2)ISSUE SWIFT MT600 OR ANY FORM OF SWIFT.
3) ISSUE POF LETTERS OF ANY OTHER ACCOUNT INFORMATION OF CUSTOMERS
4)ISSUE ANY OTHER FORM OF DOCUMENT/LETTER THAT INVOLVES BANK RESPONSIBILTY, IT ALSO WAS CONFIRMED THAT LOI, LOR, RWA, MOU HAVE NO ROLE IN GOLD TRANSACTIONS.
ONLY ONE ITEM OF PAPERWORK IS REQUIRED. AN INVITATION LETTER TO SIGN A SALES AND PURCHASE AGREEMENT AND A FEE PAYMENT AGREEMENT AT A SECURE LOCATION IN HONG KONG, SALES AND PURCHASE AGREEMENT/FEE PAYMENT AGREEMENT WILL ONLY BE SIGNED IN HONG KONG.
ASSAYERS AND BULLION OFFICERS CAN INSPECT GOLD IN SAFEKEEPING IN OTHER COUNTRIES. SELLERS OF GOLD CAN ELECT ONE OF THE FOLLOWING TWO PROCEDURES,
THESE TWO PROCEDURES ARE SIMPLE, EFFICIENT, AND QUICK , CHOICE IS THE PREROGATIVE OF THE SELLER,OR MANDATE.
All gold deals were regulated by the BISJohn M Riggs
1. All Gold Deals were regulated by the BIS – Bank of International Settlement.
To get access to the Archives requires ... see arch guide, article: Conditions for using the BIS Archives
Excerpt is to be inspected in the second attachment.
Arch guide (1) Guide to the BIS archivesJohn M Riggs
This guide to the BIS Archives is the key to the Bank for International Settlements’ (BIS)
collection of historical records that are over thirty years old and can be freely accessed by
researchers.
The BIS was created in 1930 by the Hague Conference as an international financial
organisation. Ever since, its key mandate has been to foster cooperation among central banks
and other agencies in pursuit of monetary and financial stability. Initially mainly focused on
Europe, the BIS, from the 1960s onward, became increasingly global in its activities and
outreach. Today it brings together sixty member central banks, representing countries from
around the world that together make up about 95% of world GDP. Apart from its headquarters
in Basel, Switzerland, the BIS has two representative offices, one for Asia and the Pacific in
Hong Kong SAR (since 1998), and one for the Americas in Mexico City (since 2002).
Throughout its history, the BIS has been involved in many historical events and developments
in the monetary and financial sphere. These include the repercussions of the world financial
crisis of 1931, the rebuilding of European multilateral payments in the 1950s, the transatlantic
management of the Bretton Woods system in the 1960s, and the international efforts to deal
with the fall-out of inflation and of the banking and debt crises in the 1970s through the 1990s.
The BIS played an important role in the early history of European monetary unification (before
the foundation of the European Monetary Institute in Frankfurt in 1994). It also hosts the
experts from the global banking regulation and supervision community, who have been
responsible for developing an International Capital Framework (known consecutively as Basel
Accord, Basel II and Basel III), a global agreement aimed at strengthening capital adequacy
rules for internationally active banks.
History can only be studied on the basis of properly organised and accessible source material.
Although the BIS as an international organisation is not bound by any national freedom of
information legislation, its Board of Directors decided in 1997 to voluntarily open for research
the Bank’s historical files that are over thirty years old. It is our hope that the publication of this
guide to the BIS Archives will provide a useful tool to any researcher wanting to shed light on
the history of international monetary and financial cooperation in general and of the BIS in
particular.
Raventech & University of North West presentation - emperors - 9 nov 2016-...John M Riggs
Naf-Tech combustion enhancer is a South-African product. Naf-Tech is a proprietary mixture of hydrocarbons that reduces the surface tension of the fuel when activated. Targeted activation ensures that Naf-Tech will not alter the distinct characteristics of the base fuel before the physical injection of the fuel takes place.
Naf-Tech improves fuel vaporisation during injection thereby increasing the burn velocity of the fuel transforming more of the fuel’s potential energy into mechanical energy. Naf-Tech is widely used in various applications such as transport, mining, earthmoving, diesel generators and shipping.
Naf-Tech is used by a number of companies, some of which are listed on the JSE. The majority of these companies have been using Naf-Tech for several years and have also concluded successful R&D programs using Naf-Tech.
6. Process forward
Should you wish to engage with us on drastically reducing your company’s energy efficiency (and carbon footprint) as described above please note that we do not enter into a “proof of testing-period” without payment. We have been testing and proving our product’s quality for over a decade. For this reason, a minimum order of 2000 lt/month is required for a 3 month period. Upon payment of the first order we will provide assistance to you through a team of experts to help you achieve maximum benefit from our product.
Should you find the above in order we look forward to hearing from you.
Export development by John M Riggs and Yuliya Lutsenko - contact via jophnmriggs@gmail.com and carbon copy at john.riggs@swiss-commodity.ch
Capepartymanifesto on 2011 110315061455-John M Riggs
Manifesto of the Cape Party for Independence of the Cape Provinces of South Africa
Intro to Cape Party The Cape Party was founded in 2007.
In 2008, the Cape Party was officially registered with the Independent Electoral Commission(IEC) as a political party in the Republic of South Africa.
The Cape Party will use all constitutional, legal and peaceful means to bring into effect the independence and self-determination of the Cape from the Republic of South Africa.
If the Cape Party receives a majority vote in an election within the Cape territory this will be an official mandate from the people of the Cape to declare the Cape a free and independent Republic, the Cape Republic.
The Cape Republic will be governed as an independent state.
The Cape people will form the nation of the Cape Republic and actively engage in the democratic and legal processes involved in the governance of the Cape.Sound political and economic policies will further our aspirations to join the prosperous nations of the world. We envision a system of direct democracy, and a peaceful and prosperous life style for all people of the Cape.
5 wear check naf-tech diesel - sans 342 reportJohn M Riggs
This is a nanotechnology is a South African product for diesel /petrol engines.
1. Engines last longer, runs cheaper, cooler, smoother and substantially reduced soot and odour.
2. Cost savings 10 to15% ( transport )and up to 28% on generators.
3. Use 3ml naftech to 1L fuel (300ml to 100L diesel )
4. Less GHG ( green house gas ) emissions.
5. Tested by CSIR and SABS approved (SANS 324 for diesel and SANS 1598 for petrol)
Naftech serves on the board of ASTM ( American Society for Testing Materials ) witch sets the international petroleum standards in 53 countries world wide.
Mechanical engineers are in the team for technical assistance.
4 diesel electric serv - test report 090827John M Riggs
This is a nanotechnology is a South African product for diesel /petrol engines.
1. Engines last longer, runs cheaper, cooler, smoother and substantially reduced soot and odour.
2. Cost savings 10 to15% ( transport )and up to 28% on generators.
3. Use 3ml naftech to 1L fuel (300ml to 100L diesel )
4. Less GHG ( green house gas ) emissions.
5. Tested by CSIR and SABS approved (SANS 324 for diesel and SANS 1598 for petrol)
Naftech serves on the board of ASTM ( American Society for Testing Materials ) witch sets the international petroleum standards in 53 countries world wide.
Mechanical engineers are in the team for technical assistance.
3 cummins gensets naf-tech tests 09 11 20John M Riggs
This is a nanotechnology is a South African product for diesel /petrol engines.
1. Engines last longer, runs cheaper, cooler, smoother and substantially reduced soot and odour.
2. Cost savings 10 to15% ( transport )and up to 28% on generators.
3. Use 3ml naftech to 1L fuel (300ml to 100L diesel )
4. Less GHG ( green house gas ) emissions.
5. Tested by CSIR and SABS approved (SANS 324 for diesel and SANS 1598 for petrol)
Naftech serves on the board of ASTM ( American Society for Testing Materials ) witch sets the international petroleum standards in 53 countries world wide.
Mechanical engineers are in the team for technical assistance.
Improve fuel consumption with Nanotechnology John M Riggs
This is a nanotechnology is a South African product for diesel /petrol engines.
1. Engines last longer, runs cheaper, cooler, smoother and substantially reduced soot and odour.
2. Cost savings 10 to15% ( transport )and up to 28% on generators.
3. Use 3ml naftech to 1L fuel (300ml to 100L diesel )
4. Less GHG ( green house gas ) emissions.
5. Tested by CSIR and SABS approved (SANS 324 for diesel and SANS 1598 for petrol)
Naftech serves on the board of ASTM ( American Society for Testing Materials ) witch sets the international petroleum standards in 53 countries world wide.
Mechanical engineers are in the team for technical assistance.
I would like to meet with you to discuss naftech in more detail.
Setting the Record Straight !!! BUBBLE BUST
ROUGH By Martin Rapaport
The diamond industry is
undergoing fundamental
structural change as the
rough diamond distribution
system self-destructs amid
collapsing rough prices.
Frankly, it’s good news.
Unprofitable, unsustainable and
unfair rough prices have been
the bane of our industry. For too
many years artificially high rough
prices have stolen profits from our
trade. The hard-working cutters, polished
dealers, jewelry manufacturers, designers and
retailers who have honestly added value to diamonds
have not received their fair share of diamond profits.
The major mining companies and the banks have
milked our trade dry by systematically supporting
rough prices that were significantly higher than polished
prices. This effectively moved profits from the trade to
the miners. The banks helped the miners squeeze profits
out of the trade by showering money on firms that
boosted rough prices to speculative unprofitable levels.
The overextension of credit created a situation similar
to what happened in the Real Estate Bust of 2008. Too
much credit created a price bubble that burst when it
became clear that the value of the underlying assets was
insufficient to repay loans.
In the case of the diamond industry, the banks were
complicit in the creation of the rough price bubble
because they consistently lent money to buy unprofitable
rough diamonds. As in the case of the real estate bust,
the banks were more interested in their short-term
profits than the ability of their
clients to repay loans. Once it
became clear that the clients
did not have the assets to
repay the loans, the bankers
chose to continue the
loans as long as the interest
payments were made. They
hoped that at some stage their
clients would accumulate huge
profits that would enable loan
repayment. But the rough borrowers
never got the big profits. De Beers and
the other mining companies kept raising prices
whenever polished prices increased so cutters remained
unprofitable and instead of a polished boom, we now
have a rough bust.
De Beers, ALROSA and the other mining companies
were beneficiaries of the banking boondoggle. They
took short-term profits without thinking about the
long-term negative implications of their relentless price
hikes. Essentially, money was moving from the banks to
the mining companies in a Ponzi scheme environment
involving overpriced rough diamonds supported by
diamond cutters who took the money from the banks
and gave it to the mining companies. Some cutters also
took their cut by setting aside some of the money the
banks so generously gave them. None of the players
who benefited from this game were innocent. Nothing
supported the high rough price levels other than even
higher rough prices supported by unsustainable loans.
The real victims are the legitimate diamond trade that
could not make profits adding value to diamonds because
151231 this is the lost year in rough diamonds - Source Edahngolan.comJohn M Riggs
This is the lost year in rough diamonds
Edahn Golan | Thursday, December 31st, 2015
What a horrible year it was. Miners, traders and retailers will remember 2015 as the year of
lost capital, walking on the cusp of bankruptcies, lost opportunities and diminishing value of
diamonds. How did it happen, could it been avoided and what lessons can be drawn from it –
short term and long?.................................... Many warn of manufacturers returning to old buying habits of buying rough almost regardless
of price. It would be a total disaster if it happens. Both miners and manufacturers should
be vigilant and act with a long-term view.
For the public mining companies, investor sentiment will continue to be challenging. As
mentioned, investors are a lot less interested in mining companies in general. Underperformance
and oversupply is standing in the way of price increases, according to Hodgson.
A possible outcome could be consolidation.
The perspective of judging a mining company for now is the ability to absorb weaker prices
over an extended period of time. Come to think of it, this is true for manufacturers and
retailers as well.
Source Edahngolan.com
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
1. http://www.lbma.org.uk/lbma-prices-summary
The London Bullion Market Association
You are here: LBMA Prices Summary
LBMA Precious Metal Prices - Summary
There have been a number of changes in recent months to the
administrative and governance arrangements relating to the LBMA
prices for Gold, Silver, Platinum, Palladium and GOFO. These changes
and developments are summarised below.
LBMA Gold Price
The new LBMA Gold Price was launched on 20 March 2015. The price continues to be set twice daily (at 10:30 and 15:00
London GMT). Market participants will need to reflect the change in name (LBMA Gold Price) in their own contracts and
agreements as well as those with clients and counterparties.
The new LBMA Gold Price is operated and administered by an independent third party provider, ICE Benchmark
Administration (IBA), who were selected following consultation with market participants. This consensus was reached
during the LBMA's market consultation, which involved two market surveys, a seminar and meetings with market
participants, solution providers and the regulator. IBA, an independent specialist benchmark administrator, provide the price
platform, methodology as well as the overall administration and governance for the LBMA Gold Price. The IBA platform is
electronic, auction-based, tradeable, auditable and fully IOSCO-compliant solution for the London bullion marketplace.
Please refer to the LBMA Gold Price section for further information together with a set of Frequently Asked Questions.
LBMA Silver Price
On 15th August 2014 the historic Silver Fix which had been in existence since 1897 was replaced by the LBMA Silver Price.
The London Silver Fixing Company Limited was wound down from this date and the administrative responsibility for the
silver price was transferred to CME Group and Thomson Reuters. CME Group provide the electronic auction platform on
which the price is calculated and Thomson Reuters are responsible for administration and governance of the LBMA Silver
2. price. The LBMA are responsible for accrediting price participants and also own the intellectual property rights. The price
continues to be set each business day at 12:00 (London time) and published on the LBMA's website with a 15 minute delay
(see Useful Links section opposite).
This new process for establishing the new LBMA Silver Price will maintain continuity with the earlier silver fixing process
for market participants while also increasing transparency via an electronic platform for the auction. It continues to be
London-based and offers a fully IOSCO-compliant solution to the London bullion marketplace. The earlier benchmarking
process has been followed in order to minimize any possible disruptions and enable a seamless transition for the market.
Participants with a Reuters terminal can view the live auction by quoting the RIC 0#LDNXAG. Further details on licensing
arrangements for The LBMA Silver Price are available on Thomson Reuters website
Six price participants have been accredited to contribute to the LBMA Silver Price: HSBC Bank USA NA, JPMorgan Chase
Bank, Mitsui & Co Precious Metals Inc, The Bank of Nova Scotia - ScotiaMocatta, The Toronto Dominion Bank and UBS
AG. The LBMA fully expects the list of price participants will grow over the coming months as more participants meet the
formal accreditation requirements. Market Participants interested in contributing to the Silver Price are invited to email the
LBMA at Ag.Consult@lbma.org.uk.
For more information including detailed Q&A LBMA Silver Price.
LBMA Platinum and Palladium Prices
As of 1st December, 2014 the new LBMA Platinum & Palladium Prices are being independently administered by the London
Metal Exchange (LME). These new benchmarks replace the PGM Fixes, historically administrated by the London Platinum
and Palladium Fixing Company Limited (LPPFCL). This followed an approach from the LPPFCL to the LBMA to take
ownership of the historic and future intellectual property (primarily price data) of what will now be called The LBMA
Platinum Price and the LBMA Palladium Price. The prices continue to be set twice daily at 09:45 and 14:00 (London GMT)
in US dollars, £ and Euro.
Five price participants have been accredited to contribute to both prices; BASF Metals Ltd, Goldman Sachs International,
HSBC Bank USA NA, Johnson Matthey plc and Standard Bank plc.
The intellectual property will be held by 'Precious Metals Prices Limited', a newly established subsidiary company of the
LBMA. For information on licensing arrangements relating to the prices, including list of data vendors, please refer to
the LME's website.
Gold Forward Offered Rates (GOFO)
The Gold Forward Offered Rate (GOFO) dataset was discontinued with effect from the 30 January, 2015 and will no longer
be published by the LBMA after this date.
