Investing in Los Pandos – Why should I invest

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In short (and for those that have not read my previous articles), here is a quick summary of the current Los Pandos investment scheme and the benefits of investing:

Minimum Investment 5,000
Invest in Euro, GBP, US Dollar or Swiss Franc
Returns Fixed at 30% to 39%
Investment Period Fixed for only 3 years
Privileged Access to Future Investments
Asset Backed Security SIPP and SSAS approved Proven Track Record FAQs
Q. What Guarantees do I have for my investment?

A. The security offered is by way of a formal charge against the land. We have a mortgage charge (this is the same as what banks take when loaning money to individuals or corporations) which covers the invested sum for all clients. Once you have signed your contracts they are taken to a Notary who will then create a formal charge on the land in your name. This means that after the 3 year term of your investment the funds plus interest must be returned to you. If not, you inform the Notary and the entire asset is frozen.

This (mortgage charge against the asset) is one of the highest forms of security available.
Q. The Vineyard will not be producing wine until after my investment has matured, how will you pay me back? A. We can demonstrate our ability to pay back in various way including:
Governmental grants for the building of the Bodega and re-planting of vines
Current farm and vineyard revenues
Other contracted revenues
Re-finance options
Equity partners

Q. Is the value in the asset if I were to call on the guarantee?

A.Yes, it is worth noting that we are only geared at no more than 30% of the current value today. The asset is increasing as we reach definitive planning (3 fold) and our gearing currently decreasing as we are paying back investors in other areas of the project.
Q. What if you don’t get definitive planning?

A. The asset more than covers our liability at this planning stage and the planning process has reached a position where it is irrevocable. On top of this the vineyard and other areas of the project do not require planning as they fall under agriculture use and Projects of Singular Interests (PSI).
Q. What is the process required to execute the guarantee?

A. In case of breaching the contract, one of the mechanisms that can be performed is the Out-of-court procedure, which is ruled in the Ley Hipotecaria Act (section 129), Reglamento Hipotecario Act (sections 234,235 and 236), and Civil Code (section 1858). This procedure is quick and simple and can be carried out by a Notary Public.
Q. How many charges are registered on the land that secures this investment?

A. There are no other encumbrances on this land. According to Spanish Mortgage Law, mortgages must have a priority order. Any future borrowings would take second place to this charge.

Q. What if we cannot sell the wine?

A. This investment is not affected by the sale of the wine, as the first year of production will be after your loan has been repaid. This investment is a stand-alone structure using company, farm and vineyard revenues, grants and re-financing and equity partner options.

Q. What if the harvest fails?

A. The vineyard and farm currently produces a profit in excess of ?420,000 per year. Since the vineyard’s inception two decades ago, there has been no crop failure. In addition, part of the initial funds raised has been invested in the improvement of quality and yield of the grapes. It’s important to note that returns are not based on the vineyard profit.

Q. Why don’t you go to a bank for the finance?

A. We have decided to build the bodega on private and public investment as the general banking situation is extremely difficult on a worldwide scale. One of the funds primary objectives is to build a loyal investor base to whom we can present further exclusive investment opportunities to within the Los Pandos Eco project over the course of the next six to eight years. Investors have the option at the end of their initial three year investment to take advantage of an exclusive investment opportunity within the development or to simply take the profits earned and cash in their investment.

Q. Why don’t you wait and re-finance in the future and why are these returns so high?

A. Quite simply these grants may not be available in the future and one of these, the replanting grant for the new vineyard, covers 100% of the cost. Additionally when planting new vines it is an average of 4 to 6 years before the grape is stable enough to produce a good quality wine. By starting sooner we can bring the profit in sooner.These two elements alone make it more than financially viable to offer these levels of returns.

Q. Can I get my money out before the end of the investment term?

A. No, the funds are tied in for the three year period with Capital and Interest being paid at the end of this term.

Q. When does my investment begin?

A. The three year investment begins when your funds are received by us.

Q. Is this investment affected by the worldwide credit crunch?

A. No. As the investment is being raised by private finance, we are not dependant on any kind of loans from banking institutions.

Q. Are there any other costs or charges?

A. No, the fund does not have any set up, ongoing or closing fees. At the end of the term we return your invested amount plus the pre-agreed return.

Click here to view the Los Pandos Investments website and see our latest news Click here to learn more about Los Pandos

Click here to view the Los Pandos Investments website and see our latest news
Click here to learn more about Los Pandos

Rural Connectivity – Part 1

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Elets – A platform for disseminating creative ideas on ICT

Elets Technomedia is a technology media and research company that focuses on ICT in government, education, healthcare, agriculture and rural development sectors. Our mandate is to provide effective information on latest development in different ICT tools, techniques and their applications across our verticals through premier print publications, online portals and premier events, seminars, conferences and summits. Elets has created a name for itself as a technology media and research vendor of choice.

Strategies

To strengthen and facilitate knowledge sharing platforms engaging with partners across the globe through International conferences to provide cross-cultural grounding to stakeholders and participants To provide stakeholders with a platform to share models of best practice, knowledge and experience on a range of issues in the domain of ICT in Governance, Education, Health, security, Urban and Rural Development To mobilise the communities towards creating a digitally informed knowledge society based on shared understanding

Elets Focus Areas

Elets provides an unmatched versatility for working with multiple partners and consultants to mutually share knowledge. With a vision to provide effective information on latest development in different ICT tools, techniques and their applications across various verticals with focused reference to governance, education and health, we

a) bring niche monthly publications;

b) provide knowledge exchange fora and

c) conduct research projects, primarily through Events & Conferences

OLAP processes vast queries

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Online Analytical Processing (OLAP) helps to process vast queries online. Queries are multi dimensional and analytical. It is a part of business intelligence. It includes relational reporting and data mining. OLAP gives service in the area of business reporting for sales, business process management, marketing, management reporting etc. It also includes new areas like agriculture. The term OLAP is derived from another term which is OLTP (Online Transaction Processing).

OLAP contains some databases which use a multidimensional data model. It facilitates complex analytical and vast queries very fast. Some aspects are common to navigational as well as hierarchical databases. These databases are more speedier than relational databases. The result of an OLAP query is generally displayed in the matrix format. It is also called pivot format. Rows and columns of the matrix are made from the dimensions and the values are formed by the measures.

An OLAP cube is there in the core of an OLAP system. It is also called a multidimensional cube or a hypercube. Some numeric facts are there which is called measures. They are classified into the dimensions. We get measures from the records of the fact table and dimensions from the dimensions tables. A set of labels or its meta-data are meant by a measure. These labels are described by a dimension. It contains information about measure. For example a cube contains a store’s sales which is the measure and the date/time which is dimension. Each sale contains date/time label which describes that sale in more detail.

In an OLAP system dimensions can be added to the structure such as store, customer, and cashier. It is entered in a column which is added in a fact table. Its purpose is to enable the analyst to view measures along any combinations of dimensions. Basically a multidimensional structure is defined as a different relational model which uses multidimensional structures to systematize data and explain the relationship between the data. The structure is broken into cubes which store and access data in the boundaries of each cube.

Author:-

Carlos Quijada is an IT professional associated with the field since the last 20 years. His core area of ecialization is programming. Besides working with one of the leading IT services, he writes about technology and its benefits.For more information you can visit OLAP.

Emerging Opportunities in Education Education Research Forum – Umesh Pandey

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Please be a part of FIPS(“Financial Inclusion & Payment System”) on 24-25 October in New Delhi
Please visit:
FIPS

Elets – A platform for disseminating creative ideas on ICT

Elets Technomedia is a technology media and research company that focuses on ICT in government, education, healthcare, agriculture and rural development sectors. Our mandate is to provide effective information on latest development in different ICT tools, techniques and their applications across our verticals through premier print publications, online portals and premier events, seminars, conferences and summits. Elets has created a name for itself as a technology media and research vendor of choice.

Strategies

To strengthen and facilitate knowledge sharing platforms engaging with partners across the globe through International conferences to provide cross-cultural grounding to stakeholders and participants To provide stakeholders with a platform to share models of best practice, knowledge and experience on a range of issues in the domain of ICT in Governance, Education, Health, security, Urban and Rural Development To mobilise the communities towards creating a digitally informed knowledge society based on shared understanding

Elets Focus Areas

Elets provides an unmatched versatility for working with multiple partners and consultants to mutually share knowledge. With a vision to provide effective information on latest development in different ICT tools, techniques and their applications across various verticals with focused reference to governance, education and health, we

a) bring niche monthly publications;

b) provide knowledge exchange fora and

c) conduct research projects, primarily through Events & Conferences.

Information Related To Agriculture Products, Agriculture Market, Agri Trading.

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Agriculture marketing is the word which is being used in the world of trading. When the goods are transferred from producer to consumer is termed as agriculture marketing. Most of things are connected to each other in agri marketing like production, growing, harvesting , packing, transport, storage, distribution, advertising etc. Market should provide profit to all whether its a customer or producer. It must be customer oriented. In olden days their were different techniques has been applied to transfer product but today in modern marketing different procedures applies to transfer the agri product from producer to customer. Agri products contain everything Seeds, grains, fruits, vegetables, vegetable oil etc. In the development of rural areas, income generation, linkage market plays an important role. These connect social and economic needs.
In the olden days it was very difficult to know the status or rates of the products but in the modern world new technologies are developed through which one can get each and every information related to the market and can be up to date. SMS on cell phone and FM radio facility provides best service to the customer as well as producer. Internet is the another way to get the information. The changes occure can be seen easily. Agriculture commodities are of two types hard and soft. Corn, wheat, soyabean, sugar all are soft commodity. Hard commodity are mined from the ground. One fifth of total GDP contain by agriculture commodities.
Agriculture marketing has two objectives :
1. Sale of surplus commodity
2. Buy other commodity to satisfy needs.
Basically market is divided into three parts :
1.Wholesale market
2. Retail market
3. Fairs
Marketing channel is used through which products are transfer from producer to consumer. Marketing channel consist of storage, handling, transporting, packaging and retailing. In India agriculture is the largest source of employment.
Spot trading is the another term used in market in which delivery takes place on the spot or immediately. Future marketing also done in agriculture products in which the product is being buy or sell in the future trading. The National Commodity and Derivative Exchange, the Multi Commodity Exchange of India Ltd and the National Multi Commodity Exchange of India Ltd. All three have electronic trading and settlement systems and a national presence. Trading in commodity is much more easier then Stocks because their margin is very low. Brokrage is ranges from 0.05% to 0.12% only.
Commodities are generally considered as more stable and consistant in investing but it also have some risk. Agriculture product are transferred from the producer to the consumer in many different ways. Some acts are also applied over the agriculture trading. On average, every hour, 24 hours a day, 365 days a year, around $6 million in U.S. agricultural products–grains, oilseeds, cotton, meats, vegetables, snack foods, etc., will be consigned for shipment for export to foreign markets.