Month: April 2023
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
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When we are searching a job, the most important thing before all steps is the clear objection. And today, there are variety kinds of ways to find jobs, people can go to the job fair as tradition, while searching jobs on line is becoming more and more popular, In the past few years, Internet has emerged as a major source for people looking for jobs in any field. There are thousands of agriculture jobs posted all across the internet. Among all jobs today, agriculture has emerged as a major destination for growth-oriented job opportunities. A large number of individuals are searching for it.
Well, the opportunity seems attractive, but in fact searching for agriculture jobs is a daunting task. This is because the recruiters are usually located at different parts of the globe, it makesdifficult for the individuals to get access to a large number of agriculture jobs. What’s more, because there are various employer jobs and they are not posted anywhere, so it is a plan to search for those employer jobs.
Different to other jobs, the job titles of agriculture career is based on experience and education level. A good job website usually can help you to find the hidden agriculture jobs that exist all over the Internet. At any particular moment of time, there are thousands of jobs get posted all online. In order to find information about these entire job postings, take the help of a professional job site for you. We say Internet is amazing because we can be linked to all kinds agriculture jobs and other related jobs. Internet make the job searching extremely easy that individuals can get access to jobs posted anywhere. Recruiters in the agriculture field fall into different categories such staffing, retained search, permanent placement, and temporary placement. The various job positions under agriculture field may include Agriculture Credit Analyst, Agriculture Associate Buyer, Agriculture Manager, Production Supervisor, Food Processing, Agriculture Clerk, Senior Agriculture Analyst, Audit Manager, Agriculture Assistant, and Agriculture Supervisor.
All in all, finding a agriculture job by Internet is a trend. There are many advantages of it. But the job hunter should also careful when select the career because there are also many fake information on the Internet. Hoping everyone could find a satisfying work.
An agriculture high school involves far-reaching and high-technology studies. In fact, much of what we eat, wear and use as medicine are products of agriculture. Plant and animal biotechnology have become critical industries throughout the U.S. and abroad. Agricultural programs help students develop the necessary skills to excel in these careers.
Agricultural programs have evolved into more scientific curriculum. As the demand for crops and livestock grows, farmers and agricultural science workers will need to fill these complex positions. But, where will these workers come from and how will they be trained?
The answer lies in agriculture high school that are addressing this need and preparing students for careers in farming related fields. Their goal is to develop students with an understanding and appreciation for the many opportunities available in agriculture.
Whats the Purpose of Agricultural Education?
An agricultural education should be designed to support careers and build awareness for food, fiber and natural resource systems. This goal is especially important given the decline of people involved in agricultural production. In addition, this goal should provide a direction for educators, especially at agriculture high schools, to develop productive programs.
Developing Educational Programs for Agriculture High Schools
Updating instructional programs presents challenges for agricultural educators. With the field continually evolving and becoming more scientific, technical and business-oriented, curriculum needs to keep pace.
Therefore, educators must work with the agricultural industry they serve to properly prepare students for careers. This connection allows the instructional program to access leading edge information currently used in the industry. In addition, strong industry knowledge and understanding enhances the job prospects of students after graduation.
Today, educational content involves a vast range of topics, including agricultural science and technology, managed ecosystems for providing food and fiber, animal welfare, agribusiness marketing, global communications, public policy handling, environmental and natural resource management, food processing, safety and nutrition, forestry, horticulture, floriculture and landscape design, construction and more.
Instructors within agriculture high schools must meet these diverse educational needs to properly prepare students for careers. And, successful teaching must extend beyond sharing information. A key ingredient to successful agriculture high schools is combining formal instruction with real life applications to make learning relevant.
While educators in agriculture high schools cannot always anticipate all the changes that will take place in the future, they can focus on what the programs should accomplish for students. The focus should remain on preparing students for successful careers.
In addition, the future of agriculture lies in developing an appreciation for improving, preserving and managing the earths natural resources. Agricultural programs must be committed to advancing students understanding, knowledge and skill set.
The Future Looks Bright for Agriculture High School Programs
The study of agriculture and its related sciences continues to gain popularity on public high school campuses. As technology drives innovation, schools are seeing a renewed interest in agriculture sciences. The growing interest challenges old industry stereotypes.
The field today has broadened to include a wide range of careers from animal science to biomedical research. And, agricultural science continues to evolve as a result of ongoing technological developments.
The opportunities in the years ahead are many as agriculture high schools attract bright young people into the profession and provide an effective curriculum for them to succeed in their chosen field.