​Getting Started With An Estate Cash Advance

Heirs often find themselves waiting years for their probated estate, all while delaying the distribution of funds and incurring large legal fees.  Our Asset Management/Investor/Financial Firm (“Investor”) provides fast cash to heirs such as yourself, regardless of credit status, current employment or income history.

As America’s foremost provider of inheritance cash advances for over 20 years, our Investor offers competitive pricing and extremely fast and courteous service.  We will be available at every stage of the process via email and phone. Estate heirs often receive cash in just 3 days.

If you are an heir to a current probate and you are looking for an estate cash advance, get started by calling us or by filling out the confidential form.  Our Investor can help you receive money in as little as 3 days and can provide a cash advance of $15,000 to $100,000 and, in some cases, even more.

Our Investor works with heirs to estates in every state in the USA. We do not work with estates outside of the USA.

What if the heir lives in a different state than where the probate estate is open?

It is common for the heirs of a probate estate to reside in a state different from where the estate is going through probate. This is not a problem at all! We routinely work with estates in counties all over the USA.  Our Investor also work closely with county probate courts and probate attorneys all across the United States.

Who is eligible to receive a cash advance from our Asset Management/Investor/Financial Firm (“Investor”)?

​Any heir inheriting at least $50,000 from a probate estate which is already open (or is in the process of being opened) is qualified for a probate advance. If you aren’t sure how much you are receiving or if you’re receiving a bit less than $50,000, feel free to still call us for a confidential, no obligation and free consultation.

Probate Process In California as Example

It can be a very difficult time for surviving loved ones after someone passes away. In addition to obvious emotional issues, the logistics of handling the person’s assets and possessions can be daunting. This is precisely the reason estates enter the California probate process. In California, the role of probate is to account for and collect a deceased person’s assets and belongings into a single estate, determine the rightful heirs, and finally fairly distribute the assets to these heirs. With few exceptions, all estates in California must go through this formal court process.

Delays To Your Inheritance In California

The major problem with the California probate process is that it’s bogged down with delays at every turn. Most heirs don’t realize just how long it will be until they receive their inheritance in California. In fact, the average time it takes for heirs to receive their inheritance in the USA is a full year and a half according to a national study.

A major factor leading to inheritance delays in California is under-funding and over-crowding of the state probate courts. There are just 58 county courts to serve over 38 million people in California – just under 13% of the US population. Just getting a court date to open a probate case can take many months. Add in the delays of selling real estate, settling creditor’s claims, etc. and it can take 2 years or more for rightful heirs to see any of their inheritance in California.

Access Your Inheritance In California Immediately

Heirs are no longer stuck waiting for their inheritance in California. With an advance on probate from our Investor, heirs can access the money their loved one meant for them right away. The process of receiving your inheritance cash advance in California is fast and easy, and you tell us how much of your inheritance you’d like to receive immediately. Whether you have bills to pay, car payments to make, home improvements, vacations you’d like to go on – the money is yours to use however you’d like.

Our Investor has more than 20 years of experience and over $150 million advanced to thousands of heirs, our Investor is the oldest and largest company helping heirs access their inheritance early. Let contact us for a free confidential, no obligation consultation and answer all questions you may have about California probate, an advance on probate, and the process. There are no hidden fees, no monthly payments, and credit and income are never an issue. There’s no need to wait years for what’s rightfully yours.

 
Getting Your Inheritance Cash Advance
Inheritance Cash Advances Vs. Probate Loans

Our Investor offers inheritance cash advances to heirs such as yourself whose money is trapped in the lengthy probate court process. Our cash advances are not loans, providing several advantages to you. Unlike traditional lenders and banks, we never charge an interest rate, there are no monthly payments, and there’s no need to risk losing collateral assets such as your car or home. Your employment history and credit score won’t impact your eligibility either.

In order to qualify for inheritance cash advance, all we ask is that you’re an heir to an estate currently going through probate and that you will be receiving at least $50,000 when the estate closes. As long as that’s the case, we can usually send you a portion of your inheritance right away. In return, you assign a set dollar amount to our company and we wait for the probate estate to close. We even offer significant rebates if we are paid back earlier than originally planned.

Fast And Easy Cash From Probate

​When applying for an inheritance cash advance, you can expect to receive funds in as little as three days.  Our Investor will work closely with you and your attorney and be available by phone and email throughout the entire process.

Understanding The Probate Process
What Is Probate?

Simply put, probate is a court-supervised process that oversees the transfer of an individual’s assets (i.e. their “estate”) after death. Probate is a complex, tedious, and time-consuming process that is riddled with delays. Heirs almost always underestimate the amount of time it will take for them to receive their inheritance from an estate in probate. On top of the delays, there is often lack of clarity on how the process works.

As an heir, here are some facts that you should immediately understand regarding your role in the probate and inheritance process:

• Contrary to popular belief, the attorney handling the probate estate represents only the personal representative (PR) of the estate. This person may also be referred to as the Executor, Executrix or Administrator of estate. All other heirs to the estate are NOT represented by the estate attorney. Because of this, the attorney is under no obligation to take or return any phone calls, provide general information or legal advice to heirs other than the PR.
• The probate process goes through a number of drawn out steps in most cases before distributing a penny to the rightful heirs. Every estate is different but the following chart gives you a sense of the complexity and drawn out timeframe.

How Does The Probate Process Work?

Once again, all estates go through the probate process slightly differently. This breakdown is meant to showcase a fairly “regular” probate procedure.

The very first step in the probate process is to file the petition for probate. This petition, along with the original will and codicils (legal alterations to the will) are filed with the probate court. The Notice of Petition to Administer Estate is also filed during this stage. In this case, the “petitioner” is usually the proposed personal representative.

Once these forms have been filed, the court clerk will set a hearing for 45-60 days after the filing date. It is at this point that notice has to be given to all of the people named in the will. This is the stage at which you will first receive notice of your inheritance. The Notice of Petition to Administer Estate is also published in a local newspaper to alert the decedent’s creditors. It is during this time that they must file their claims with the court.

At the hearing, if no one has filed an objection to the probate, the court will admit the will to probate and appoint the PR. After this appointment, the court will issue Letters Testamentary or Letters of Administration which are used by the PR to prove that they have the authority to act on behalf of the estate.

The second step in the probate process consists of an ongoing process of filings, notifications and applicable settlements. The following is just a short list of tasks which must be completed:

• Identify all of the assets owned by the decedent at the time of death.
• File an Inventory & Appraisal which values the estate’s assets, both real (land) and personal.
• Notify the Department of Health Services.
• Liquidate all of the estate’s assets.
• Pay any debts, claims or taxes that are due and object to claims which should not be allowed.
• Settle all financial and property disputes.

The final step in the probate process consists of closing the estate and distributing the remaining assets to the heirs. If all goes smoothly, the final actions in the probate will be as follows:

• Obtain a court order of distribution.
• Close the estate accounts.
• Make final distributions to the heirs.
• Obtain receipts from the heirs for the distributions made to them.

As you can tell, the probate process is indeed a long and difficult process. The good news is that the personal representative chose to retain a probate attorney to guide the estate through this complicated process. The bad news is that, even with the help of an attorney, the probate process can still take 12-18 months and in many cases even longer.

Can I Access My Money Today?

While some estates can be administered in 18 months or less, a large percentage of estates can take up to 3 years to close. This means that the estate heirs may not receive any inheritance money for up to 3 years after probate first begins.

​If you would like to access your inheritance money right away, we can help you get money in as little as 3 days. We provide cash advances to heirs who have an inheritance stuck in probate. If you are interested in learning more about our cash advance please contact us.

Common Questions
 
What exactly is an Inheritance Cash Advance?
The inheritance process in the United States takes an average of 17 months to distribute funds to the rightful heirs. An inheritance cash advance allows heirs to access their inheritance immediately when the estate opens rather than waiting for it to close.
Are there any risks or fees associated with applying?
No! There is absolutely no cost or obligation associated with applying for an advance. Consult with us to discuss your inheritance, the estate, pricing, timelines, etc. all for no charge.
Who is eligible to receive a cash advance from our Asset Management/Investor/Financial Firm (“Investor”)?
Any heir inheriting at least $50,000 from a probate estate which is already open (or is in the process of being opened) is qualified for a probate advance. If you aren’t sure how much you are receiving or if you’re receiving a bit less than $50,000, feel free to still call us for a free consultation.
Does the advance affect other heirs in the estate?
No! This is understandably a common question for many of our clients. Our transactions are strictly between our Investor and the specific heir who received the advance. The estate as a whole and the other heirs’ share are never affected by our advances. When the estate is ready to distribute, if there isn’t enough for our Investor to be paid in full out of our client’s specific share, we simply take the loss.
Are there minimums and maximums for cash advanced by our Investor to an heir?
Generally, our Investor’s advances range from $50,000 to $1,000,000. As a general estimation, assume the advance cannot exceed 30% of an heir’s expected distribution from the probate estate.
How much does it cost to get an inheritance advance?
The cost involved with an advance is dependent on a number of specific factors such as the amount of time until the estate will be closed, complexity of the estate, size of the advance, etc. With every advance we offer, we guarantee you will receive the lowest price available. We also offer substantial rebates for early repayment.
What does our Investor receive in return for the inheritance cash advance?
In return for immediate cash advance from our Investor, the heir sells (i.e. “assigns”) to our Investor a fixed amount out of the heir’s eventual share of the probate estate. This fixed amount (i.e. the “assignment amount”) is clearly laid out in the contract and agreed upon before the advance is ever paid.
When does our Investor get paid?
Our Investor is paid directly from the estate upon distribution. The remainder of our client’s inheritance is distributed directly to them. In other words, our clients never directly make, nor are they personally responsible for, any payments to our Investor.
Do you offer rebates if my advance is paid back earlier than expected?
Yes! We build substantial rebates into the pricing of our inheritance advances in order to give our clients the best price possible. If we receive payment in full before the Early Pay-off Rebate (EPOR) date, we’ll send you the rebate amount within 5 business days.
Are monthly payments required to repay the advance?
No. our Investor is paid directly and in full from the probate estate at the time of distribution.
Will credit problems prevent someone from getting an heir advance?
No! A poor credit record, including delinquencies, discharges in bankruptcy, foreclosures, etc., will not prevent an heir from receiving an advance. Our Investor may still obtain a credit report in preparing a case for funding, but primarily to determine if there are judgments, child support or bankruptcy proceedings that may affect the eventual payment of the assignment.
What if there are insufficient funds in the probate estate at the time of distribution to pay our Investor?
This is one of the major risks our Investor assumes when it advances inheritance cash to an heir. If an heir gives accurate information on their application and honors the assignment agreement, they have no personal liability for payment of the advance.
What happens if a previously unknown creditor makes a claim on the probate estate?
This is another risk that our Investor takes away from the heir. If there are insufficient assets at the end of the probate to cover the amount of the assignment, our Investor simply takes the loss. The heir is not liable to pay back the assignment unless, of course, the heir was aware of the claim(s) and failed to tell our Investor about it in the application process.
What happens if the distribution of the probate estate is delayed?
Our Investor must wait until the probate estate is ready to distribute. There is no recourse to the funded heir for any delays in the distribution. The assignment does not accrue interest or become more expensive. No matter how long the distribution is delayed, our client’s flat fee will never increase! On the other hand, we offer significant discounts if we are paid back earlier than anticipated.
Are there any geographic limitations on funding?
Our Investor works with heirs to estates in every state in the US. We do not work with estates outside of the US.
What if the heir lives in a different state than where the probate estate is open?
It is common for the heirs of a probate estate to reside in a state different from where the estate is going through probate. This is not a problem at all! We routinely work with estates in counties all over the country. We also work closely with county probate courts and probate attorneys all across the United States.
Who should I call if I have any questions?
For questions about an inheritance advance, or to refer heirs or beneficiaries, call us at (562) 301-7231 during California business hour.
How do I apply for an advance on my inheritance?
The quickest and easiest way to apply is by contact us by online form.

​Inheritance and Probate Glossary
 
A
Administrator
A person or institution appointed by the court (in the absence of a will otherwise naming an executor) to distribute the assets according to state intestacy laws and to pay creditors and taxes. The intestate personal representative.
Affidavit
A written statement made under oath.
Age of majority
The age when a person acquires all the rights and responsibilities of being an adult. In most states the age of majority is 18.
Assignment
The transfer of legal rights from one person to another.
B
Beneficiary
Person named in a will or insurance policy to receive money or property; person who receives benefits from a trust.
C
Capital gain
The profit made from the sale of a capital asset, such as real estate, jewelry, or stocks and bonds.
Capital loss
The loss that results from the sale of a capital asset, such as real estate, jewelry or stocks and bonds.
Chapter 13 bankruptcy
A type of bankruptcy in which a person keeps his assets and pays creditors according to an approved plan.
Codicil:. An amendment to a will.
Chapter 7 bankruptcy
A type of bankruptcy in which a person’s assets are liquidated (collected and sold) and the proceeds are distributed to the creditors.
Common-law marriage
In some states, a couple is considered married if they meet certain requirements, such as living together as husband and wife for a specific length of time. Such a couple has all the rights and obligations of a traditionally married couple.
Community property
Property acquired by a couple during their marriage. Refers to the system in some states for dividing the couple’s property in a divorce or upon the death of one spouse. In this system, everything a husband and wife acquire once they are married is owned equally (fifty-fifty) by both of them, regardless of who provided the money to purchase the asset or whose name the asset is held in.
Conservator
Person or institution designated by the court to protect the interests of an incompetent and act on his/her behalf. Sometimes called a guardian.
Contract
An agreement between two or more parties in which an offer is made and accepted, and each party benefits. The agreement can be formal, informal, written, or oral. Some contracts are required to be in writing in order to be enforced.
Creditor
A person (or institution) to whom money is owed.
Creditors’ claims period
Specific time frame, as defined by state probate laws, during which creditors can file a claim against a decedent’s estate.
Custodian
Under the Uniform Transfers to Minors Act, the person appointed to manage and dispense funds for a child without court supervision and accounting requirements.
D
Debtor
Person who owes money.
Decedent
Person who passed away.
Default
The failure to fulfill a legal obligation, such as neglecting to pay back a loan on schedule.
Docket number
Number designation assigned to each case filed in a particular court.
E
Easement
Gives one party the right to go onto another party’s property. Utilities often get easements that allow them to run pipes or phone lines beneath private property.
Elective share
Refers to probate laws that allow a spouse to take a certain portion of an estate when the other spouse dies, regardless of what was written in the spouse’s will.
Emancipation
When a minor has achieved independence from his or her parents, often by getting married before reaching age 18 or by becoming fully self-supporting.
Encumbrance
Any claim or restriction on a property’s title.
Escrow
Money or documents, such as a deed or title, held by a third party until the conditions of an agreement are met. For instance, pending the completion of a real estate transaction, the deed to the property will be held “in escrow.”
Escrow account
A special account in which a lawyer or escrow agent deposits money or documents that do not belong to the lawyer or the law firm.
Estate
The assets and liabilities left by a decedent.
Ex parte
Latin that means “by or for one party.” Refers to situations in which only one party appears before a judge.
Executor
A person or institution named in a will and appointed by the court to oversee and manage an estate, including the distribution of assets and satisfaction of creditors and taxes.
F
Family limited partnership
A legal partnership between members of a family for the management and control of property.
Fiduciary duty
An obligation to act in the best interest of another party. For instance, a corporation’s board member has a fiduciary duty to the shareholders, a trustee has a fiduciary duty to the trust’s beneficiaries, and an attorney has a fiduciary duty to a client.
Foreclosure
When a borrower cannot repay a loan and the lender seeks to sell the property.
G
Grantor
The person who sets up a trust.
Guardian
Person appointed by the court to take care of minor children or incompetent adults.
Sometimes called a conservator.
Guardian ad litem
Latin for “guardian at law.” The person appointed by the court to look out for the best interests of the child during the course of legal proceedings.
H
Heir
Person entitled to inherit property of the decedent.
Holographic will
A handwritten will.
I
Intestate
Dying without a legal will.
Irrevocable trust
A trust created during the maker’s lifetime that does not allow the maker to change it.
J
Joint and survivor annuity
A form of pension fund payment in which the retired participant gets a check every month. If and when the participant dies, the spouse continues to get a monthly check equal to one-half of the benefit for the rest of his or her life.
Joint tenancy
A way to title (own) property where each person (tenant) owns an undivided interest. When one tenant dies, his or her interest passes to the survivor.
L
Legatee
Also known as a beneficiary. Person named in a will to receive property.
Lien
A claim against someone’s property. A lien is instituted in order to secure payment from the property owner in the event that the property is sold. A mortgage is a common lien.
Living trust
A trust created during the maker’s lifetime. Some living trusts are set up so that they can be changed during the maker’s lifetime. These are called “revocable.” Others, known as “irrevocable,” are set up so that they can’t be touched.
Living will
A document that states a person’s wishes regarding life-support or other medical treatment in certain circumstances, sometimes when death is imminent.
M
Marital exemption
A tax provision that allows an unlimited amount of property of one spouse to transfer to the other upon death without incurring estate or gift tax.
Minor
A person who does not have the legal rights of an adult. A minor is usually defined as someone who has not yet reached the age of majority. In most states, a person reaches majority and acquires all of the rights and responsibilities of an adult when he or she turns 18.
N
Notary public
A person authorized to witness the signing of documents.
P
Pension plan
An employer’s program for providing retirement income to eligible employees.
Per stirpes
Latin for “by familial stocks.” Distribution of an estate equally among the members of a group of descendants having a particular degree of kinship (as children), with the issue (that is, the offspring) of a deceased member of that group representing the deceased member, taking the deceased member’s share, and dividing it equally among themselves. For example, if a decedent had three children, one of whom had already died leaving issue, the estate would be divided into thirds, with each living child receiving a one-third share, and the issue (children) of the deceased child dividing a one-third share equally amongst themselves.
Personal representative
A person who manages the legal affairs of a decedent in probate. If the decedent had a will, then the personal representative is known as the Executor (if the Executor is female, Executrix). If the decedent did not have a will and the assets are being distributed according to laws of intestacy, then the personal representative is known as the Administrator (if the Administrator is a female, Administratrix).
Petition for probate
The probate court document that summarizes a will’s provisions and names the heirs.
Power of attorney
The authority to act legally for another person.
Probate
The court supervised process whereby a decedent’s assets are distributed to a decedent’s heirs and creditors are paid back after s/he passes away.
Promissory note
A document in which a borrower agrees (promises) to pay back money to a lender according to specified terms.
Q
Quitclaim deed
A deed that transfers the owner’s interest to a buyer but does not guarantee that there are other claims against the property.
R
Real property
Land and all the things that are attached to it. Anything that is not real property is personal property. A house is real property, but a dining room set is not.
Residuary estate
Also known as residue of the estate. Portion of the estate left after bequests of specific items of property are made.
Residuary legatee
The person or persons named in a will to receive any residue left in an estate after the bequests of specific items are made.
Retainer
Refers to the up front payment a client gives a lawyer to accept a case. The client is paying to “retain” the lawyer’s services.
Revocable trust
A legal document that may be changed or cancelled that allows you to maintain control of your assets. It is used to avoid probate and for estate planning purposes.
Right of survivorship
In a joint-tenancy, the property automatically goes to the co-owner if one of the co-owners dies. A co-owner in a joint tenancy cannot give away his or her share of the property.
S
Self-proving will
A will accompanied by a sworn statement from witnesses and signed before a notary public.
Spendthrift trust
A trust designed to keep money out of the hands of creditors, often established to protect someone who is incapable of managing his or her financial affairs.
Spousal right
The entitlement of one spouse to inherit property from the other spouse. The right varies from state to state.
Statutory fees
In many states and in the majority of probate matters, the amount an attorney can charge for his or her services is specified by law as a percentage of the gross value of the estate.
T
Tangible personal property
Anything other than real estate or money, including furniture, cars, jewelry, etc.
Tenancy in common
A type of joint ownership that allows a person to sell his share or leave it in a will without the consent of the other owners. If a person dies without a will, his share goes to his heirs, not to the other owners.
Testamentary trust
A trust created by the provisions in a will. Typically comes into existence after the writer of the will dies.
Testate
Having a legal will.
Testator
The person who makes a will.
Title
Ownership of property.
Totten trust
A bank account in your name for which you name a beneficiary. Upon the death of the named holder of the account the money transfers automatically to the beneficiary.
Trustee
Person or institution that oversees and manages a trust.
W
Will
A legal document that directs distribution of assets upon death.

​Our California-based DAJK Inc. just finalized our selected social impact project for 2019 which will support directly more than three (3) million weavers PLUS their families.  We are pleased to introduce to you the Bangladesh Handloom Weavers Development Project, ("BHWD" or "Project").
 

​Bangladesh Handloom Weaver Development Project (“BHWDP”) will serve more than three million weavers and their families in 2019 and will create more than 37% employees annually in the next 10 years. It will equate 2.22 million handloom owners after 10 years.  Each handloom owner will employ about 5 weavers; therefore, the total number of employees will be created approximately 11.1 million weavers and their families.
 
In addition, BHWDP will contribute annually to GDP on an average 85 Billion USD in next 15 years, 40% of which will increase export revenue on an average 34 Billion USD per year. 
 
Furthermore, the business revenue will increase on an average 37% per year.
 
On the basis of our desire and repayment capacity with their income, expected contribution to GDP, employment generation, our Client is seeking for any World Financing Agency may provide a grant, donation and/or a soft and long-term debt financing from USD 50 million to 1 billion.

Subject:  Seeking An Additional Collateral Provider:

1. ​Verifiable Assets, or
2. Tier-1’s Bank Guarantee USD 200+ million

Supporting the Bangladesh Handloom Weavers Development Project (“BHWD” or “Project”) which will support directly more than three (3) million weavers PLUS their families.

BHWD & SOCIAL IMPACT HIGHLIGHTS
 
THE CHALLENGES:

• Brand New Project.  Therefore, there are no historical financial statements
• No, Sovereign Guarantee
• Not a lot of verifiable assets for collateral (USD 10 million)
• Corporate Guarantee endorsed by Ministry of Local Government Rural Development and Cooperatives, web:  http://www.lgsplgd.gov.bd
• Additional Collateral Provider is required

 
REWARDS:

• Directly Supporting MORE THAN 3+ million weavers and their families
• Seeking funds are up to USD 1 Billion

​

FINANCIAL HIGHLIGHTS:

• Retained profit will be reinvested
• Sales will be 4 times of invested amount to weavers+ 35% Gross Profit
• Administrative Expense is expected 15% of Sales Turnover
• Of sales 90% will be collected during the period per year
• Of Cost of Goods Sold, 90% will be paid during the period per year
• Our Client will sale it where our gross profit will be 30% to 36% of the invested amount and net profit will become minimum 18% to 20%.
• Our Client is giving handloom owners the cost of materials with working capital which will be adjusted to the production including their profit.
• Our Client will arrange the advance paid to weavers will be treated as Cost of Goods Sold

​

WHO ARE THE INQUIRERS?

Our Bangladesh Government-based client (“Client”) has retained our company to raise funds for their Bangladesh Handloom Weavers Development Project.  This BHWD project is ready, willing and able to endorse by Local Government Division, Ministry of Local Government, Rural Development & Cooperative.
 
WHO ARE THE BENEFICIARIES?

The raised funds are solely and purposely:  This Project is supporting approximately 600,000 Handloom Owners or 3 million weavers (3 million people will be directly employed and others 100,000 people will involve in the trade)
 
WHAT ARE ACCEPTABLE FUNDING TYPES?
​
Raised funds (“Funds”) can be (a) a grant, (b) donation, (c) debt finance, and a combination of all three options.

We are seeking for an additional collateral provider either verifiable assets or Tier-1’s Bank Guarantee in an amount of USD 200 million so that our Financial Firm/Project Funder will provide a debt finance (1) against the Corporate Guarantee which is backed by Ministry of Local Government Rural Development and Cooperatives and/or in case of Bank Guarantee, in favor of the BHWD project.
 
Simultaneously, we also seeking for a grant and/or donation from corporations or financial partners who are supporting and making a difference in more than 3 million lives and their families.

CERTIFIED AND APPROVED GOVERNMENT AUDITOR: Khan Wahab Shafique Rahman & Co. Web: www.kwsrbd.com
​

RETURN OF YOUR INVESTMENT

Option #1 (From One Entity):  You will provide verifiable assets or Tier-1’s Bank Guarantee in an amount of USD 200 million.
​

1. You will be invited a special guest to meet with our Client and Prime Minister Sheikh Hasina.  In addition, you will also receive one percent (1%) of the raised funds for this BHWD project.  It will approximately USD 2 million.
2. You will be eligible for a second tranch, USD 200 million.  This arrangement will be repeated 3 more times until it is reached USD 1 Billion.  The total return is approximately USD 10 million.
3. Your corporation and an additional ten (10) of your selected corporations will be received an open edition sculpture 40 x 26 x 4 Inches, Cast in Resin with a Bronze Patina, titled "A Sporting Chance For Peace".  Learn more at https://www.decadeofpeace.com/
   

​

Option #2 (From Multiple Entities):  The collective entity will provide verifiable assets or Tier-1’s Bank Guarantee in an amount of USD 200 million.

1. This collective entity will share one percent (1%) of the raised funds of this BHWD project.  It will approximately USD 2 million.  Then, a collective entity will be eligible for a second tranch, USD 200 million.  This arrangement will be repeated 3 more times until it is reached USD 1 Billion.  The total return is approximately USD 10 million.
2. Each participated companies or entity will be received an open edition sculpture 40 x 26 x 4 Inches, Cast in Resin with a Bronze Patina, titled "A Sporting Chance For Peace".  Learn more at https://www.decadeofpeace.com/  

​

Should you be interested to MAKE a social impact to more than 3 million lives and families through this Bangladesh Handloom Weavers Development Project, please provide your Letter of Interest or contact us
 
Upon receiving your LOI, (a) the Business Plan and (b) 10-Year Revenue and Cash Flow Projections will be provided for further analysis and due diligence.
 
We look forward to your positive response.
 
Let’s make this impact TOGETHER!
​

We would like to invite you to participate in our Referral Earnings specifically of Project Funding Program (“PFP”) nationally and internationally. 
 
We value all your talents and resources.  We would like to leverage our PFP through your networks.  There is absolutely No Cost to you to register, but your business could potentially generate a significant revenue for your business.
 
More details of PFP

Step #1:  Once your company is registered with us, we will issue the PFP Unique Identification (“PFP UI”).  Again, there is NO COST for registration.  However, if there is no activity from your registered account continuously 90 days, we will transfer its status to INACTIVE status.  After 90 continuously days INACTIVE status, we will disable your PFP UI.
 
Please note there is NO limit on a number of submissions per PFP UI.
 
Register at 
​

Step #2:  You can start sent an email to your clients immediately.  Please advise your clients using YOUR UI when they submit their Project Funding Inquiry to us.  We will advise you of its status accordingly.
 
Benefits To Your Company:

When and if the PFP successfully complete with your referred clients, we will compensate you TEN PERCENT (10%) of our collected 1% performance-based fee. 

​For example, our collected on 1% of the USD 740 million is USD 7.4 million.  Your 10% referral fee is USD 740,000.

Important notes:

(a) Based on our experience, it is approximately 20% of submitted inquiries are qualified for the PFP.  Therefore, the number of submissions is directly proportioned to your referral fee.

(b) The Processing time is average from 90 to 120 days from start to completion.

(c)  This invitation is for B2B only.
 
Should you have any questions or concerns, please contact us directly.
 
Thank you for your time and an opportunity doing business with you.
​

​Background:  My India-based client, called Tom, requested and cancelled our Paymaster Service.  We had sent the email to his personal Gmail account as Tom requested; however, for some unknown reason, he could not receive it after 12+ hours.  Tom accused us wrongly for not keeping our obligation for sending the confirmation email regarding his Cancellation Request.
 
Action:  We had provided swiftly and immediately the timeline when our email sent from our system, and we also forwarded the sent email to Tom’s business email account.
 
Result:  Tom had agreed and satisfied with our provided hard documents.

There are various ways handling this unexpected issue.  We have decided providing the hard facts and evidences expeditiously and composedly even though this incident was REALLY beyond our control.
 
Within 24 hours, I have sent the follow notes to Tom.  I would like to share with you as well.
 
Dear Tom (NOT his real name):
 
Just a few thoughts, I would like to share with you regarding the Paymaster Service Incidence.
 
1)     We do always keep our promise.  Regrettable, the Gmail account has failed us this time.  This is beyond our control.  In fact, we did sent our cancel confirm email clearly and convincingly within the 30 minutes window as promised.
 
2)  Our procedures help us to focus on the client's anxiety.  We have proceed swiftly, calmly and provided with proven evidences to satisfy our client's demand.  We believe that we have earned undoubtedly of your satisfaction.
 
3)  Our business principal, https://www.dajkgroup.com/business-principles.html, has maintain us as a leader.
 
4)  We look forward working with you for any other profitable and legal business and/or investment opportunity which can be mutually and strategically to benefit beyond our communities and countries.

Global Net Lease, Inc., a real estate investment trust focused on the acquisition of net lease properties, has closed on its previously announced acquisitions of a total of seven properties in the second quarter, which represents 1.6 million square feet for $97.6 million.  The properties are leased to FedEx Freight, DuPont Pioneer and the additional five properties acquired during the quarter are industrial facilities leased to a leading steel service supplier which were closed in May 2018.

The seven properties were purchased at a weighted-average going-in capitalization rate of 7.59%, equating to a weighted-average GAAP capitalization rate of 8.05%, with a weighted-average remaining lease term of 10.1 years.  These accretive transactions strengthen GNL's already strong robust Midwest presence and extend its weighted-average remaining lease term. These properties are part of the $307.3 million of acquisitions announced earlier in 2018, and to date $161.1 million has closed. GNL funded the transactions with borrowings under its revolving credit facility.

Subsequent to the close of the second quarter, as part of its ongoing growth initiatives, GNL closed an upsizing of its unsecured credit facility of $132.0 million for the multi-currency revolving credit facility portion and €51.8 million for the senior unsecured term loan facility portion.
​

Property Summary Table
​

​Property and Tenant Summary

The first property is a cross-dock facility industrial distribution facility leased to FedEx Freight, a leading provider of less-than-truckload freight services. Located in Blackfoot, Idaho the property at closing had 14 years remaining on the lease. The parent company and guarantor is FedEx Corporation, a multinational courier and delivery company. FedEx Corporation has an investment grade credit rating of "Baa2" and "BBB" from Moody's and S&P. The building was purchased at a price equating to a weighted-average GAAP capitalization rate of 6.76% with a weighted-average remaining lease term of 14.3 years.

The second property is an industrial distribution facility leased to Pioneer Hi-Bred International, Inc. (d/b/a DuPont Pioneer). The tenant signed a 10.5-year lease extension effective April 1, 2018. The facility is located in proximity to the tenant's production plants and key customers. DuPont Pioneer is a leading developer and supplier of advanced plant genetics, agronomic support, and other services to farmers. The building was purchased at a price equating to a weighted-average GAAP capitalization rate of 7.27% with a weighted-average remaining lease term of 10.5 years.

As previously announced on May 17, 2018, the group of five properties leased to a leading steel service supplier with products and services provided to clients throughout the Midwestern U.S. and Canada that has an implied investment grade credit rating on Moody's Analytics of "Baa3" as of March 2, 2018. The properties were purchased at a price equating to a weighted-average GAAP capitalization rate of 8.19% with a weighted-average remaining lease term of 10.0 years.


Source:  GNL

HIGHLIGHTS 

• ST-OPVs can be simultaneously used for power-generation and heat-insulation films.
•  Photonic structures are constructed to further enhance heat-insulating properties.
•  Future design of multifunctional PV for integration into daily life is proposed.

​

SUMMARY

Semitransparent organic photovoltaics (ST-OPVs) have attracted extensive attention due to their potential for integration into the windows of buildings. Herein, we propose a dual-functional ST-OPV device that is not only highly efficient but it is also very effective for heat insulation.  By introducing non-fullerene acceptor with enhanced near-infrared absorption and distributed Bragg reflectors for selectively enhancing the transmittance in visible wavelengths while keeping high reflectance for near-infrared light, the ST-OPVs generate over 6% power conversion efficiency with high visible light transmission of over 25% and outstanding infrared radiation rejection rate of over 80%.  Our results show that with proper design of ST-OPVs, they can be used not only for generating power from sunlight but it is also for solar shading and heat insulation, which opens up a new application of OPVs for both energy harvesting and saving.
​

A new dual threat window could double the energy efficiency of average households.
 
Researchers from the South China University of Technology have developed a window that blocks unneeded parts of sunlight to keep heating and cooling costs low, while also serving as a miniature electricity generator.
 
“Building-integrated photovoltaics are a great example of a market where silicon photovoltaics, despite their cheapness and performance, are not the most appropriate due to their dull appearance and heaviness,” Hin-Lap Yip, senior author and professor of materials science and engineering at the South China University of Technology, said. “Instead, we can make organic photovoltaics into semi-transparent, lightweight and colorful films that are perfect for turning windows into electricity generators and heat insulators.”

The researchers performed a three-way balancing act between harvesting light for electricity generation, blocking it for heat insulation and transmitting it as a window normally would to construct a prototype capable of simultaneously outputting electricity and preventing excessive heating.
 
By mixing and matching different materials and chemical compounds previously used for the different window functions, the researchers were able to create a device that let familiar visible portions of sunlight through, while turning back the infrared light and converting the near-infrared region in-between into an electric current.
 
Back-of-the-envelope calculations suggest that, in theory, installing windows outfitted with dual electricity-generating and heat- insulating properties could cut an average household's reliance on external electric sources by over 50 percent.

While it is estimated that every square inch of every window would be paneled with multifunctional solar cells, the new windows only require a slight uptick in power-conversion performance from the 6.5 percent figure realized by the researchers.
 
“For this demonstration, we are not even using the best organic photovoltaics that are out there in this field,” Yip said. “Their efficiency is improving rapidly, and we expect to be able to continuously improve the performance of this unified solar-cell window film.”
 
Along with new energy efficient window, the researchers believe the dual-functioning materials could be used various emerging technologies.
 
“Making heat-insulating multifunctional semitransparent polymer solar cells is just the beginning of exploring new applications of organic photovoltaics,” Yip said. “A version tailored for self-powered greenhouses is only one of many impactful products that we want to develop for the future.”
 

​Source:  RD and Joule
​

Amazon is looking for hands-on leaders who are passionate about hiring and coaching great teams. With low startup costs, built-in demand, and access to Amazon's technology and logistics experience, this is an opportunity to build and grow a successful package delivery business.
 
The Amazon is unveiling a program meant to fuel the creation of hundreds of new package-delivery businesses that can help Amazon handle the fast growth that its U.S. retail business continues to enjoy. Amazon says the program will offer new partnering delivery companies access to discounted rates on everything from fuel to vehicle insurance to delivery vans, as well as coaching from Amazon and an app to guide delivery people on which order should be dropped off.
 
As part of the launch, Amazon is also introducing its own Amazon-branded delivery vans that partner companies can lease, as well as uniforms that delivery partners can outfit their drivers. Amazon claims that new partners can start up their business for as little as $10,000 — an amount that the company will reimburse to businesses founded by U.S. military veterans.

Low startup costs
Start your business with as little as $10,000.

Logistics experience not required
Use our technology, processes, and more than 20 years of logistics experience to set up and run your delivery business.

Focus on people, not sales
Amazon’s packages keep your business growing, so you can focus on building a great team and delivering without worrying about driving sales.

Support when you need it
Amazon’s experience is behind you every step of the way, from hands-on training to on-demand support to ensure your operation runs smoothly.

Deliver smiles
Delight thousands of customers every day as an essential part of Amazon, the most customer-centric company on Earth.
​

If you’re a customer-obsessed people person who loves coaching teams in a high speed, ever-changing environment, becoming an Amazon Delivery Service Partner is an ideal opportunity for you. As an owner, you will operate with 20-40 vans and have 40-100 employees.

You’ll be fully responsible for hiring and developing a team of high-performing, hardworking drivers, while we take care of getting you set up and ready to operate out of an Amazon delivery station in your city. You’ll be expected to provide consistent coaching and support for your team to ensure the successful delivery of packages in a 7 days/week, 365 days/year operation.
​

Set up your business
Use our suite of exclusive deals to acquire the assets you need to start your business, and work with our network of top-in-class service providers to keep your business rolling.

Build your team
You’re a coach. This is your team. As you set up your business, the most important step you’ll take is recruiting and retaining solid drivers that will enable the ongoing success of your operation.

Deliver packages
Your team of drivers will deliver between 20-40 routes per day. Serving thousands of customers daily isn’t easy, but the smiles are incredibly rewarding.

Create your team culture
Your can-do attitude ensures your business reflects Amazon’s high standards and customer-obsessed culture. Motivate your team to exceed expectations on every delivery through coaching and development.

Grow your business
Deliver a great customer experience to gain more opportunities to hire more people, and deliver additional packages to further grow your business.
​

Get you started
Our exclusive deals on Amazon-branded vans, comprehensive insurance, industrial-grade handheld devices, and other services help you get your delivery business up and running.

Provide training
We provide three weeks of hands-on training to ensure you’re set up for success, starting with a one-week introduction to Amazon in Seattle, followed by two weeks in the field working alongside the community of existing owners and drivers to learn the tips and tricks of operating a successful delivery business from those who know it best.

Give you a comprehensive toolkit
We give you all the tools and technology you’ll need to run your business, including daily processes designed to keep your operation running smoothly.

Offer on-demand support
Owners receive ongoing support from Amazon, which includes a comprehensive operations manual, driver assistance for on-road issues, and a dedicated account manager.

Share our experience
Amazon shares more than 20 years of technological and logistics experience to guide you in one of the fastest-growing industries in the world.
 

​Source:  Amazon

The Russian energy and finance ministries agreed with oil companies to start cutting the export duty on crude gradually, to bring it from the current 30 percent to zero over the next six years, government sources told Reuters.

The duty will be cut by 5 percent annually over the period, as part of a wider tax reform that seeks to replace the export duties and mineral resources extraction taxes with a single tax based on the profits that oil companies in Russia make.

Currently, the oil export duty is tied to oil prices, and calculations for May saw it 6 percent higher than in April, at US$118.5 per ton of oil, based on a price of US$65.80 per barrel.

The idea of phasing out the export duties is not new. Last year, Finance Minister Anton Siluanov said the end of the duty will come no earlier than 2022-2025. Now, the six-year phase-out plan will see it gone by 2023. This compares to earlier and much more ambitious plans to have it scrapped by 2020.
The oil industry in Russia is backing the tax reform, which will make it easier for the government to collect taxes from the companies directly instead of calculating export duties. For the oil companies, it would be simpler, too, and a direct profit-based tax would encourage higher production as it would be more directly linked to exploration costs and risks, Reuters reported back in March 2017.

The tax overhaul is also connected to plans announced by central bank governor Elvira Nabiullina in 2016 to reduce the federal budget’s reliance on the exports of mineral resources. The plan was announced at the height of the oil price crisis. At the time, Nabiullina admitted this will not be an easy or smooth process, but it could contribute to the country’s economic growth.

​
Source:  Reuter

1. Overcome Your Fear With Knowledge

Learning about real estate will help to manage your fear of the unknown, uncertainty and unexpected events.  Arming with right education, you’re more likely to take the leaps necessary to progress to the next level. More importantly, it will help to reach your investment objectives or goals.

​Where do you learn about real estate? A good place to start is to read books, newspapers, magazines and online articles on related topics. One resource will lead to another, and then another.  You find yourself asking questions or wanting more information on a specific topic, it will guide you to the next article, book, blog or webinar.

2. Ordinary People Can Be Successful

​You don’t need to have any innate real estate talent or know-how from beginning. You will truly see that most people can learn to invest. You don’t need a degree in law, finance, business, investment or real estate.  In fact, you don’t need huge sums of cash. Ordinary people just like you, with ordinary reserves of cash, have achieved great results in real estate investment.
 
3. Select a Category of Real Estate

It will help you to narrow down which area of real estate you’d like to concentrate. There are two main categories:  Residential and Commercial.  When you understand some of the unique qualities of each category of real estate, you’re more likely to discover the type and location that best align with your investment strategy.
​

4. Work with Experts to Assist with Your Investment Strategy

It will also help you to identify which experts might be best for your particular kind of investment strategy. When you assemble your team of advisers, one of them will be your real estate agent. He or she will be an expert in one particular sector—the one you’re investing in—but most likely will not be an expert in other sectors. For example, he or she might specialize in duplexes (residential), but not strip malls (commercial). So by focusing with one category, you can retain the same team of advisers.
 
If you want exploring further, please contact us.
​

Summary: 

At the current pace of spending in a context of conflict and insecurity, Libya will either exhaust foreign exchange reserves or be forced into ad hoc adjustments necessary to stave off crisis, but far from sufficient to reestablish growth foundations.

The economic and social outlook assumes that political strife is resolved and a unified government can ensure macro-stability and launch a comprehensive program to rebuild the economic and social infrastructures.

In this context, it is expected that oil production will progressively increase to reach its potential (around 1.5 million barrels per day (bpd)) by 2020, which is the time necessary to restore the heavily damaged oil infrastructure.

Growth is projected to rebound at around 15% in 2018 and an average 7.6% in 2019-20. Both the fiscal and current account balances will significantly improve, with the budget and the current account running surpluses expected from 2020 onwards.

Foreign reserves will also start building up by 2020. They will average US$72.5 billion during 2018-2020, representing the equivalent of 27.5 months of imports.

However, high inflation coupled with weak basic service delivery are likely to have increased poverty and exacerbated socio-economic exclusion. In 2017, inflation accelerated, exacerbating further the hardship of the population.

Prices of all commodities continued to increase, mainly driven by acute shortages in the supply chains of basic commodities, speculation in the expanding black markets, and the strong devaluation of the Libyan dinar (LYD) in the parallel markets. Consequently, inflation hit a record level of 28.4% in 2017 following the 25.9% in 2016.
​

Full Report

The relative economic improvement in 2017 remains fragile, as sustaining this dynamic depends crucially on a political resolution that in the current context seems hard to reach. The macroeconomic framework is unstable. It is characterized by record inflation and unsustainable twin deficits, mostly driven by rising budget expenditures. Dwindling savings are keeping pressure on foreign reserves and the LYD continued to lose its value in the parallel markets. To stabilize the macroeconomic framework, Libya needs to launch budget reforms and diversify the economy for growth and job creation.
 
Recent developments

Following four years of recession, the Libyan economy grew strongly in 2017, driven by a welcome recovery in oil production. However, sustaining this dynamic to reach economic potential depends on the resolve of the political strife. Exceptional but fragile implicit arrangements between the parties in conflict allowed the oil sector to more than double its production to an average 0.820 million barrels per day (bpd) in 2017, compared to only 0.380 million in 2016. The non-hydrocarbon sectors remained sluggish inhibited by lack of liquidity and security. GDP is estimated to have increased by almost 27 percent in 2017 allowing income per capita to substantially improve to 63 percent of its 2010 level after losing more than half of its value.

Inflation accelerated, exacerbating further the hardship of the population. Prices of all commodities continued to increase, mainly driven by acute shortages in the supply chains of basic commodities, speculation in the expanding black markets, and the strong devaluation of the LYD in the parallel markets. Consequently, inflation hit a record level of 28.4 percent in 2017 following the 25.9 percent in 2016. High inflation coupled with weak basic service delivery are likely to have increased poverty and exacerbated socioeconomic exclusion.

Despite higher hydrocarbon revenues, public finances remained under stress, given the high and rigid current expenditures driven by political motives. Budget revenues almost tripled in 2017 (31.8 percent of GDP) compared to 2016, but remained at half of potential. However, revenues were not even enough to cover public wages (36.4 percent of GDP), which increased due to political hires and higher salaries. Inefficient subsidies (9.2 percent of GDP) continued to absorb a significant amount of budget resources while capital expenditures remained weak (4.8 percent of GDP). Consequently, a high budget deficit persisted at 26 percent of GDP in 2017 (63.1 percent of GDP in 2016). The deficit is being financed mainly through cash advances from the Central Bank of Libya. The domestic debt has quickly increased to reach LYD 59 billion end September 2017, up from LYD 1 billion in 2010.

Although improving, the balance of payments continues to suffer from politically constrained production and export of oil and high consumption-induced imports. Libya managed to substantially increase oil export in 2017 (0.7 million bpd), but remained at half of potential. This relative performance is not enough for a sustainable current account considering the high dependence of Libya on imports to meet consumption and intermediate goods requirements. As a result, the current account deficit remained high at an estimated 9.4 percent of GDP. This deficit was fully financed by net foreign financial inflow, allowing foreign reserves to remain unchanged in 2017 at around US$ 72.6 billion. While the pegged official exchange rate was kept stable, the Libyan Dinar lost around 85 percent of its value in the parallel market due to the weak macroeconomic fundamentals and an illiquid banking system. 
​

Outlook
​
At the current pace of spending in a context of conflict and insecurity, Libya will either exhaust foreign exchange reserves or be forced into ad hoc adjustments necessary to stave off crisis, but far from sufficient to reestablish growth foundations. The economic and social outlook assumes that political strife is resolved and a unified government can ensure macro stability and launch a comprehensive program to rebuild the economic and social infrastructures. In this context, it is expected that oil production will progressively increase to reach its potential (around 1.5 million bpd) by 2020, which is the time necessary to restore the heavily damaged oil infrastructure. Growth is projected to rebound at around 15 percent in 2018 and an average 7.6 percent in 2019 -20. Both the fiscal and current account balances will significantly improve, with the budget and the current account running surpluses expected from 2020 onwards. Foreign reserves will start building up by 2020. They will average US$72.5 billion during 2018-2020, representing the equivalent of 27.5 months of imports.
​

Risks and challenges
​
The baseline macroeconomic scenario presented above is very fragile because it requires upholding the implicit agreement between the parties in conflict to ensure minimum security around oil infrastructure. Moreover, an improved macroeconomic outlook is unlikely to be sustained and is not sufficient to bring about significant change, unless immediate and targeted actions are taken to address the humanitarian crisis. The country needs humanitarian aid and specific programs to address the destruction and lack of basic services that a large part of the population faces.

Immediate challenges are to restore peace that would lead to macroeconomic stability and to improve basic public services. This calls for immediate actions to bring current expenditures under control, especially the wage bill and subsidies, and improve governance of the financial sector, which will also contribute to price stability. Over the medium term, the country needs broader and deeper structural reforms to stabilize the macroeconomic framework and promote private sector-led job generation. Other medium term priorities should focus on promoting the development and diversification of the private sector for job creation through policies to reorient the economy away from hydrocarbon dependence, reforming the financial sector, and improving the business environment.
​
Libya’s economic fragility has important consequences for the people’s well-being. Although there is no systematic study on poverty and very little evidence on the current well-being of Libyan households, it is not unrealistic to think that for most of Libyans living conditions are dire. Since hydrocarbons account for a large share of GDP and government revenues (40 and 86 percent respectively), the sharp decline in oil exports started in 2011 has severely impacted public services. The erratic power supply and the recurrent food shortages also contribute to worsening conditions for people. In the current situation, large share of the population is either vulnerable to poverty or has fallen into poverty.
 
Source:  World Bank
​