Investing in Los Pandos – Why should I invest

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

Horticulture Expert The Growth Driver Of Indian Agriculture Sector

The horticulture sector, with a wide array of crops ranging from fruits and vegetables to orchids and nuts, mushrooms and honey – has been a driving force in the stimulating a healthy growth trend in Indian agriculture. India is currently producing 257.2 million tonnes of horticulture produce from an area of 23 million ha. What is significant is that over the last decade, the area under horticulture grew by about 3.8%per annum but production rose by 7.4% per annum. Given the increasing pressure on land, the focus of growth strategy is on raising productivity by supporting high density plantations, protected cultivation, micro irrigation, quality planting material, rejuvenation of senile orchards and focus on post harvest management to ensure that farmers do not lose their produce in transit from farm gate to the consumers plate.

Fruits:

With a production of 76.4 million tonnes, fruits accounts for about 30 per cent of the total production of horticulture crops. The area under fruit crops during 2011-12 was 6.6 million ha, which is almost 29 per cent of area under horticulture in India. The area under fruit crops has increased from 4.0 million ha in 201-02 to 6.7 million ha in 2011-12 with corresponding increase in production from 43.0 to 76.4 million tonnes. A large variety of fruits are grown in India. Of these, banana, mango, citrus, papaya, guava, grape, sapota, pomegranate, pineapple, aonla, litchi, pear, plum, walnut, etc are important. India accounts for 13 percent of the total world production of fruits and leads the world in the production of mango, banana, papaya, sapota, pomegranate, acid lime and aonla.

The leading fruit growing states are Maharashtra which accounts for 16.0 per cent of production followed by Andhra Pradesh (13.0%), Gujarat (10.0%), Karnataka (9.0%), Uttar Pradesh (8.0%), Tamil Nadu (7.0%) and Bihar (5.0%) altogether contributes for about 68.0 percent of the total fruit production in the country. Banana is the major fruit accounting for 35 per cent of total production followed by mango (4.0%), citrus (11.0%), papaya (6.0%), others (17.7%) in the country. It may also be mentioned that in the Himalayan states of Himachal and J&K the GDP from apples, plums, pears and stone fruits exceeds that of GDP from cereal crops.

Vegetables:

Vegetables are also an important constituent in horticulture sector which are mostly low gestation and high income generating crops. Many vegetables are now grown under protected cultivation like green houses and shade nut houses with a scope for off season production, which fetches remunerative prices.
Vegetables occupied an area of 8.9 million ha during 2011-12 with a total production of 155.9 million tonnes having average productivity of 17.4 tonnes/ha.

Vegetable production registered a quantum jump of 77 per cent between 2001-02 and 2011-12.

More than 40 kinds of vegetables belonging to different groups are grown in India in tropical, sub tropical and temperate regions. Important vegetable crops grown in the country are potato, tomato, onion, brinjal, cabbage, cauliflower, peas, okra, chilies, beans, melons, etc. The leading vegetables growing states are West Bengal which accounts for 15% of production followed by Uttar Pradesh (12%), Bihar (10.0%), Andhra Pradesh (8.0%), Madhya Pradesh (6.5%), Gujarat (6.4%), Tamil Nadu (5.8%), Maharashtra (5.7%), Karnataka (5.0%) and Haryana (3.0%) altogether contributes about 83.4% of the total vegetable production in the country. Among vegetables, potato is the major vegetable accounting for 27.0% followed by tomato (12%), onion (11.0%), brinjal (8.0%), cabbage (5.4%), cauliflower (4.7%), okra (4.0%), peas (2.5%) and others (25.4%) in the country. India is the second largest producer of vegetables after China and is a leader in production of vegetables like peas and okra. Besides, India occupies the second position in production of brinjal, cabbage, cauliflower and onion and third in potato and tomato in the world. Vegetables such as potato, tomato, okra and cucurbits are produced abundantly in the country.

Spices:

India is the largest producer, consumer and exporter of spices and spice products in the world. Over 100 plant species are known to yield spices and spice products among which around 50 are grown in India. India is known as the home of spices producing a wide variety of spices like black pepper, chilies, ginger, turmeric, garlic, cardamom and variety of tree and seed spices. Major spice producing states are Andhra Pradesh (19.0%), Gujarat (15.0%), Rajasthan (14.7%), Karnataka (8.0%), Madhya Pradesh (7.7%) and Tamil Nadu (7.0%). The spice production in India is currently estimated at 5.95 million tonnes from an area of about 3.21milion ha.

The production of spices in the country has registered a substantial increase over the last ten years with average annual growth of 5.8%. Chili is the major spice crop occupying about 25% of area under cultivation and contributing 22% of total spice production in the country. Garlic accounts for 8.0% of area with 21.0% share in production, while turmeric accounts for 6.8% of area with 19.6% share in production.

Flowers:

India has made noticeable advance in the production of flowers, particularly cut flowers, which have a good potential for exports. During 2011-12, floriculture covered an area of 0.32 million ha with a production of 2.6 million tonnes of loose flowers and 75066 million numbers of cut flowers. This sector is generating higher income and employment opportunities especially for women.

While India has been known for growing traditional flowers such as jasmine, marigold, chrysanthemum, tuberose and aster, the commercial cultivation of cut flowers like roses, orchids, gladiolus, carnation, gerbera, anthurium and lilium has become popular in recent times. The important flower growing states are West Bengal, Karnataka, Maharashtra, Andhra Pradesh, Tamil Nadu, Odisha, Uttar Pradesh, Jammu & Kashmir, North East, etc. Major area is devoted to production of marigold, jasmine, roses, chrysanthemum, tuberose, etc. The area under cut flowers having stems has increased manifold. Orchids, anthurium, lilium, gerbera and seasonal bulbous flowers are increasingly being grown both for domestic and export markets.
Growth in Exports:

Not only have these impressive production figures ensured a steady supply for the domestic market, they have also made Indian horticulture exports globally competitive. Over the last decade, there has been a significant improvement in export earnings in horticulture.
The horticulture division is working closely with APEDA and state governments to ensure that infrastructure and institutional support for export is available to ensure that farmers can leverage export markets for higher incomes.

Hidden Wonders Of The Algarve, Portugal

The Algarve meaning ‘the west’ is the sunny, warm coastal region along the south of Portugal. In the years since the 1960’s tourism has overtaken agriculture and fishing as the main industry and a lot of the Algarve’s charm has gone with the bleak apartment blocks and sprawling villa complexes. Even so, with a little knowledge there are certain areas that remain wild, untouched and oozing with culture and history.

Most tourists are shuttled off to the central Algarve leaving the most beautiful and unspoiled areas in the east and the west for independent tourists. In the back country only miles from the tourist destinations many villages and towns remain untouched with little known rural walks in the spring flowers and shady woods.

Most notable in the eastern Algarve is the historic city of Tavira with it’s multitude of churches and a central castle. This area is close to the Ria Formosa natural park offering miles of lagoons and barrier islands where flamingos and numerous aquatic birds live and bread. The beach at the ilha de Tavira can be reached in summer using a ferry from the centre of town or alternatively take the 20m minute walk out of town towards the island and hop on a boat that will take you across to the island. This stretch of sand is very popular with the Portuguese but continues for miles allowing for solitude even in the busy summer season.

In the west the city of Lagos is a popular destination and with good reason. The city has an important history as it is was from here that the Portuguese began their expeditions along the coast of Africa in the age of discovery. Lagos now has a completely pedestrianised centre within the old town that is surrounded by the castle walls. There are many shops, excellent restaurants serving fish and in the night Lagos is notorious for its bar scene. Don’t miss the market on Saturday mornings where you can purchase regional specialities and freshly harvested fruit and vegetables before heading down to the fish market for the days catch. Walk along the cliffs out to the Ponta da Piedade (Mercy Point) with it’s lighthouse or go swimming on the little known nudist beach at Praia do Carnavial.

The mountains of Monchique are easily reached by car from anywhere in the western Algarve. The Caldes de Monchique are therapeutic thermal baths and the area is ideal for a stroll in the wooded hills or down by the bubbleing stream. Drive out to the village of Marmallate or climb to the top of the mountain where you can take in views of the whole of the Algarve coastline and enjoy the refreshing cool mountain air. Many local shops offer locally produced hams and varieties of ‘Medronho’ (a brandy made from the Arbutus fruit that symbolises frienship) as well as hand made craft items. Restaurants either side of the main road offer up freshly grilled chicken, Piri Piri style.

After Lagos the Algarve coastline continues west towards Sages and the region once called “the end of the world” as little was known of what lay beyond the waves. Resort towns such as Praia da Luz with it’s arced bay and black rock headland give way to the natural park of Costa Vincentina where many more secret beaches can be discovered especially along dirt tracks west of Vila do Bispo. Atlantic rollers meet a wild landscape of immense natural beauty. Popular with surfers the beaches at low tide have waves that collapse on themselves again and again and sitting on the beach on a sunny afternoon undisturbed by the modern world listening to the roar in the background while looking out into the abyss one can see how sailors were captivated to venture forth to discover what lay beyond.

Important Applications Of Edta Products In Various Industries

EDTA is a well known chelating agent used in food and Pharmaceutical industries for preparing various formulations. It actively binds with several toxic metals like cobalt, lead, mercury that makes them inactive-nontoxic to dissolve in blood and excrete out from the body organs. Due to this property they are widely used in agriculture, horticulture, food and pharmaceuticals.
Various combination of EDTA with several minerals has increased their industrial usages. The active formation of Disodium with EDTA is used in molecular biology as an inhibiting agent. The mineral formations of EDTA contains different molecular weight and PH values applicable differently. Due to their chemical actions on human body, these EDTA products are applied widely in producing high quality crop in bulk quantity. Even minerals enrich EDTA also used in preparing human food as well for animal feeds.
Applications of Various EDTA Products
EDTA Tetrasodium is having the best cleansing property used in preparing cleansing materials, also used in agriculture to fulfill the Tetrasodium requirement of soil for better quality plantations.
EDTA Zinc is used in manufacturing zinc enrich fertilizer that is widely demanded in agriculture industry now-a-days. EDTA Zinc fulfills the requirement of Zinc to the soil and helps the crop growing well.
EDTA Copper provides the nutritional element of copper for better agriculture production. This creates a great combination while mixing with other EDTA products in fertilizer and increases the fertility of the land. Every farmer should know the content ingredient of the fertilizer while purchasing them.
The high grade EDTA Manganese is used in several fertilizers to provide the manganese to the soil. The pure EDTA manganese are pinkish color powder with minimum metal content increase the manganese level of the soil that is required for better growth of plantation and crop and ultimately gives bulk agriculture production. For more information on EDTA Manganese, Visit http://www.shivamagroind.com/?page_id=86
The role of EDTA Magnesium is quite important in fertilizer industry as it promotes the photosynthesis process in the plants, also increase the absorption value of irons in them. It stimulates the enzymes in plants for fast processing. EDTA Magnesium is one of the most important and widely demanded ingredients in agriculture industry.
EDTA Calcium is another chelating agent effectively works on metal and makes them non-toxic. The chelated calcium also used as fertilizer to increase nitrogen metabolism and gives hard structure to the plants. It also applies in healing process in pharmaceuticals and agriculture.

EDTA Ferric has also a contributing to enrich the soil with ferric, when used in fertilizer. It is good water soluble micronutrients that provides better nourishments to the plants and grow them well. Dried Ferrous Sulphate is used to stimulate the growth in animal body as well having good importance value in agriculture fertilizer to increase the crop production.
Shivam Agro Industries is a leading manufacturer of EDTA (Ethylene Diamine Tetra Acetic Acid) products including EDTA Acid, EDTA Disodium, EDTA Tetrasodium, EDTA Zinc, EDTA Copper, EDTA Manganese, EDTA Magnesium, EDTA Calcium, EDTA Ferric and Dried Ferrous Sulphate at the most affordable rates.

Effective Microorganism – The Power Of Magnetic Wave Resonance

There are some really unique healing solutions that I discuss in my book that have beneficial healing applications in multiple areas.
Effective Microorganismsare one of the most amazing solutions that cross the areas of human health, animal health, agriculture, environmental remediation, and aquaculture, to name a few of its applications. Here is a chapter from my book that highlights the amazing potential of Effective Microorganisms.
My discovery of EM was another accident. I was looking for a few quotes from Masaru Emoto in his book, The Secret Life of Water, when I stumbled upon references to Hado and Hado Medicine. As I read further I realized that he was referring to the basic premise of this book that everything has a vibration, frequency, and resonance. His term for using energy is Hado. This concept has a different name everywhere in the world, but refers to the same thing, which is the conscious use of life energy. This is yet another data point in my growing collection of data points that supports the discoveries that I made in natural healing and how the energy of things plays into all of them.
EM is part of Dr. Emoto’s set of Hado examples in The Secret Life of Water. He discusses at length the incredible results that were being seen around the world as part of Dr. Teru Higa’s work in using EM in environmental cleanup, agriculture, construction and other applications. Since I’m on a crusade to find cool healing things, I immediately did a web search on Dr. Higa and EM to learn more. What I discovered amazed me and motivated me to get involved in using EM and distributing the products.
EM Technology is the use of antioxidants, enzymes, and other bio-available compounds derived from fermentation of a specific culture of microorganisms to exert beneficial effects on the surrounding environment. The technology was developed by Dr. Teruo Higa, a professor of horticulture at the University of the Ryukyus in Okinawa, Japan. EM Technology is used in making several patented products ranging from various water treatment devices to jewelry, textiles, plastics, and building materials.” EM1 Microbial Inoculant is a liquid containing many co-existing microorganisms. The major groups of microorganisms in EM1 Microbial Inoculant are lactic acid bacteria, yeast, and phototropic bacteria. EM was first developed in 1982 as an alternative to synthetic chemicals in the field of agriculture. Through extensive research and experiments over time, EM became recognized as effective in various fields, including environmental remediation, recycling organic wastes, reducing odor in livestock operations, treating wastewater, and many more.
A significant body of research recorded at the EM Research Organization in Japan supports all of the incredible applications and use cases that are attributed to EM Technology. Time does not permit me to delve deeply into them here as this will be include in-depth in my book where I will have had at least one year of personal experience and research to validate what I already intuitively believe to be true about EM Technology.
My understanding of EM is as follows- the microbes in EM1 Microbial Inoculant are probiotics for the Earth. Like the beneficial probiotics that I take to keep bad bacteria in check in my digestive system, the EM1 Microbial Inoculant does the same thing, only on a much broader scale. In Dr. Higa’s book, Our Future Reborn, he explains how we have forces of syntropy (positive energy, life-giving) effects and entropy (negative energy, destructive) effects on nature and our world. In the invisible world of microorganisms Dr. Higa observed that 10% are good, beneficial to life and 10% are bad, destructive to life, the other 80% are uncommitted. Like spectators in the human race, the uncommitted are watching the action from the sidelines and will jump in on the side of the winning team once they can determine who has the momentum and the will to win.
So to take my metaphor further, EM is the champ in every encounter. It has a knock out punch that the bad bacteria can’t handle. It has what Dr. Higa calls magnetic wave resonance. This is an incredible syntropic healing energy. I call it Ki on steroids.
It defies all common sense and scientific logic. This is one of the reasons I like EM Technology, because like many of the things I embrace, there is no science to completely explain it. Just boatloads of research and documented evidence on its successful application in solving many of the world’s pressing problems.
EM will confound right brain thinkers, scientists, and engineers because it’s efficacy and application defies our collective experience. It delights left brain thinkers like me. It sounds too good to be true. You can’t see magnetic wave resonance, just the results that it delivers. It confounds all the modern thinking and scientific logic. I love it! The people who think what I have written in this book is a bunch of hooey will really dislike EM, because they can’t comprehend it, will want to dismiss it, and then will have to accept it in the face of a large library of evidence that it really works. The proof is in real tangible results. EM absorbs energy. It appears to absorb free form energy from an external source. This mechanism is similar to when plants use carbon dioxide and solar energy to synthesize substances, resulting in powerful energy. In the case of EM, this mechanism is thought to involve a strong antioxidizing function simultaneously combined with the wave effect that absorbs energy from an unidentified source. There are many types of wave motion, but EM wave motion is believed to have ultra high frequency, ultra low energy magnetic wave resonance qualities that defy common sense. Although further study is required, EM’s effects on dioxin and radiation, natural healing powers and energy-conservation properties cannot be explained without this peculiar magnetic wave resonance.
So this citation makes everything crystal clear to you, doesn’t it?
Success stories abound in Dr. Higa’s wonderful book, Our Future Reborn. It is required reading. One of the most incredible stories was the restoration of the Seto Inland Sea with EM. This massive cleanup project started with the formation of a taskforce to educate the public and to gain acceptance and usage of EM-based products for sewage disposal, dioxin pollution remediation, soil remediation, and direct infusions of EM into estuaries and the Seto Inland Sea which was extremely polluted. The fish, shellfish, and seaweed populations were minuscule due to residential, agricultural, and industrial pollution. EM was introduced into all of these sectors for the treatment of wastes. They also set up a massive fermentation system to produce EM1 Microbial Inoculant in quantities to support wide use and to dump directly into the polluted sea.
In just five years the nearly lifeless Seto Inland Sea was teaming with schools of fish. The shellfish populations were at pre-industrial pollution levels. Octopus returned, and the seaweed beds were producing clean, fresh, edible product once again. I have never heard of this large-scale pollution remediation success before. I find it almost unbelievable but it is all documented.