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Mr. Daniel Nguyen

3592 Rosemead Blvd #526
Rosemead, California 91770
Los Angeles – USA
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Seller Financing Notes Nationwide WANTED…

Seller Financing Notes Nationwide WANTED…

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Our Investors are acquiring both 1st and 2nd Performing Notes and 1st and 2nd Non-Performing Note seller financed notes (nationwide). These notes can be either secured by commercial or residential properties; however they must be seller financial notes.  Please contact us.

Financial Instrument Loans

Topics

  1. Financing Terms
  2. Underwriting Process
  3. Financial Instrument Quality
  4. Payment Instruments
  5. Traded Instruments
  6. Borrowers

financial instrument

Financial Instrument Loans are secured by financial instruments such as a) standby letters of credit (“SBLC”), b) negotiable debt or c) equity securities. These loans are primarily underwritten based on the quality of the underlying financial instrument, and in case of a default by the borrower, LENDER has full recourse to the financial instrument collateral to recover any loan amount outstanding.

This form of financing is especially suitable for special situations such as cross border transactions or instances where the borrower requires a third party guarantee to qualify for the level of financing sought.

Financing Terms

Loan Amount

60% to 80% of the financial instrument value. Minimum loan amount is $US 500,000.

Currency

USD, CAD, EUR

Collateral

Collateral usually takes the form of a Standby Letter of Credit from investment grade bank. A debt or equity security may also be acceptable as collateral if there is a sufficiently liquid secondary trading market in the security.

Interest

10% to 15%, payable upon loan disbursement.

Payment Terms

Interest deducted from loan disbursement. Principal due in single lump sum upon loan maturity.

Extensions

Extensions available by mutual agreement, subject to extension of financial instrument.

Underwriting Process

The Financial Instrument Loan is underwritten primarily based on the quality of the financial instrument. Borrower credit-worthiness and/or project feasibility take secondary importance. LENDER will undertake customary legal and financial due diligence on all material aspects of the financing transaction including but not limited to the collateral, the borrower/project and the use of funds.

Financial Instrument Quality

In assessing the quality of the financial instrument LENDER draw on multiple sources of data/information including but not limited to:

• corporate credit ratings and political risk ratings issued by the major ratings agencies.
• legal opinions on the contractual terms of various instrument.
• the advice/opinions of industry subject matter experts and practitioners.

Payment Instruments

Financial instruments which can be called upon to payout the lender in case of a loan default are defined as Payment Instruments for underwriting purposes. Payment Instruments generally consist of a) standby letters of credit (SBLC’s), b) bank demand guarantees (BG’s) and c) other third-party guarantees. The Payment Instrument is preferred over the Trading Instrument as loan collateral.

In order to assess the suitability of a Payment Instrument as loan collateral, the following analysis is performed:
• Assessment of the credit worthiness of the issuer/obligor that is undertaking to make payment under the instrument in case of loan default
• Analysis of the contractual terms of the instrument and determination of which conditions (if any) need to be met in order to receive payment under the instrument.

Traded Instruments

Financial instruments which cannot be called upon but instead must be sold by the lender to recover outstanding monies in case of a loan default are defined as Traded Instruments for underwriting purposes. Traded Instruments generally consist of debt and equity securities such as bonds, treasuries and stocks. The Traded Instrument is less preferred than the Payment Instrument as loan collateral.

In order to assess the suitability of a Traded Instrument as loan collateral, the following analysis is performed:
• Determine if the instrument is freely tradable, and if a market exists in the instrument.
• Determine the liquidity of the instrument by assessing how much time it would take to sell the instrument in order to recover outstanding monies in case of loan default.

Who are borrowers?

The following scenarios represent a few applications of Financial Instrument Loans.

• An investor may make foreign investments without transferring funds to the investment country, or liquidating assets in their home country. The investor accomplishes this by pledging assets in their home country to obtain an SBLC, and having LENDER provide a loan in the investment country.
• A project owner who does not qualify for bank financing may secure a “guarantor” (able to issue an SBLC) and thereby obtain project financing.
• A new subsidiary may obtain financing for its operations by having its parent company provide an SBLC.


If you are interested, please contact us

Daniel Nguyen

DAJK Group

daniel586@sbcglobal.net

+562.301.7231

3592 Rosemead Blvd

Rosemead, California 91770

Los Angeles – USA

Currency Exchange Service update 3/16/15

Currency Exchange Service Inquiry:

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Managing Your Money_Image 4


Currencies

The U.S. dollar (USD) is correcting lower after a very sharp rise to start the month of March. The euro (EUR) made a new low in early Asia but has rallied back strongly on profit-taking ahead of the key FOMC meeting. Some forecasters are now expecting the EUR to be near $.9000 by year end which makes for a pretty crowded trade. Emerging market currencies are more mixed today with many Eastern European currencies higher piggy-backing the euro’s move higher. Asian currencies are generally weaker on the session.

If we can help you with any Foreign Exchange needs, please do not hesitate to contact us.

Currency Exchange Service Inquiry:

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How to minimize the risks of joint ventures with governments

Contractual Agreement Review:

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Website:  http://bit.ly/1x3Sjas


Lessons from Rio’s Mongolian adventure

13 March 2015

If Rio Tinto could start again with Oyu Tolgoi (OT), a $12.6bn copper and gold mine in Mongolia, what would it do differently?

The question is addressed in an academic paper that examines ways to reduce the risks resource groups take when investing in frontier markets.

Oyu Tolgoi, which has already cost more than $6 billion, is expected to be one of the biggest copper producers in the world and to last for decades. However, development has stalled as the Anglo-Australian mining group and the Mongolian government argue over how to pay for the second underground phase.

Rio is refusing to proceed until disagreements over cost overruns and taxes have been ironed out, while the cash-strapped Mongolian government wants to cut its 34 per cent equity stake in the project in return for higher royalties from the mine.

Rio Tinto_Mongolia Govt

Much is at stake for both sides. For Rio, the expansion of OT will bulk up its copper business and reduce its dependence on iron ore. For Mongolia, it needs cash quickly from the mine to meet spending commitments.

So what can be done to prevent this situation happening again? The paper, written by Henry Steel, a special adviser at Rio, and Stefano Gatti, of Bocconi University Milan, focuses on the investment agreement between Rio and the Mongolian government as a key source of tension.

Under the complex arrangement, the Mongolian government will not receive dividends from OT until a loan, used to finance its 34 per cent equity stake in the project, has been repaid. According to the report that could take almost 20 years. That is because the loan is being repaid using cash flow from the mine.

“This has been a great source of contention in Mongolia, where a dispute over the cost escalation has delayed the project, further exasperating the problem,” says the paper, which has been reviewed by the Financial Times.

In fact it arguably renders the government’s 34 per cent stake in OT close to worthless — and presumably explains why the Mongolian government is to keen to swap its stake for higher revenues and why Rio is not interested.

A spokesperson for Rio Tinto said: “The document is an independent academic report. It was not commissioned, contributed to or reviewed by Rio Tinto and in no way represents the views of the company.”

To better align interests the report examines a number of other approaches. One idea is to have host governments swap their project level equity for shares in the developer — in this case Rio Tinto.

“Whilst the host government may not obtain great influence over a project through the holding of a minority position in top level equity, we believe that the benefits of such a proposal outweigh the losses of such a structure: a host government will no longer have to take on project risk,” says the paper, titled “Risk management for multinational corporations in high risk jurisdictions”.

“Further, using top level equity to acquire assets . . . would be preferable to a host government because the top level of cash flows consist of a more diversified portfolio of . . . assets, allowing an improved ability to plan a sustainable government budget,” the paper says.

To prevent that government from selling its shares, the report says a lock-up period could be included as well as a clause that would allow the shares to be cancelled if the agreement is changed by the host government. This could be determined by an independent arbitrator.

Whether sovereigns are willing to accept shares in a multinational mining company, where they would be exposed to stock market fluctuations and have no control over dividend policy, is open to question. Equally, mining companies would probably be wary of giving equity to host governments that cannot be prevented from selling their shares for ever.

However, what the paper shows is two things:

1) the importance of getting the investment agreement right and

2) also getting cash to governments as soon as possible.

Failure to address these issues results in disagreements and delays. It could also increase the risk of “resource nationalism”, which is as much of a problem for global developers as commodity prices or challenges at the mine face.

If we can help you reviewing your contractual agreement, please do not hesitate to contact us.

Contractual Agreement Review:

Contact us at:  http://bit.ly/1MmqaSP

Website:  http://bit.ly/1x3Sjas

Mr. Daniel Nguyen

3592 Rosemead Blvd #526
Rosemead, California 91770
Los Angeles – USA
Skype:  daniel58644
daniel586@sbcglobal.net

Tel:  +562.301.7231 T

Currency Exchange Service

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Currency Exchange Report – 3/11/15Managing Your Money_Image 4

The U.S. dollar (USD) is stronger again today as European yields continue to compress lower to all-time lows but the market’s interpretation is that the sky is not falling today as it did yesterday. For today’s price action, the weaker euro (EUR) is seen as a plus for European equities as many of them are higher by near 2.0%. Yesterday’s strong USD was seen as problematic for many asset classes and for future growth. European stocks for today are being led by automakers and other exporting industries and the continuing cheaper euro is providing positive news for many of the key exporting countries in the Eurozone over the medium term. German 10-year yields are down another 2 bps today to another record low of 0.22%. The EUR has fallen sharply in five of the past six days.

Here are the key news stories from overnight:

  • The Bank of Thailand surprised the market by cutting interest rates by 25 bps to 1.75% for the first time in a year. The market expected no change in policy.
  • Chinese economic data was weaker than expected across the board including retail sales, industrial production, and investment data. Chinese stocks still eked out a small gain and the Chinese yuan is near unchanged.
  • K. industrial production in January came in slightly weaker than expected at -0.1% against expectations of +0.2%.

Currencies

The USD is up again against almost all the major currencies and many of the emerging market currencies. Interest rate differentials continue to be one of many keys that continue to support the USD. The USD index is up for the fifth day out of six trading days and is entering a technically overbought condition. Looking at emerging market currencies, almost all Eastern European currencies are lower today following the EUR. Turkey is higher as their current account data for January came in better than expected.

Report 11MAR15

If we can help you with any Foreign Exchange needs, please do not hesitate to contact us.

Currency Exchange Service Inquiry:

Additional information at:  http://bit.ly/1HDLjqX

Website:  http://bit.ly/1x3Sjas

Mr. Daniel Nguyen

3592 Rosemead Blvd #526
Rosemead, California 91770
Los Angeles – USA
Skype:  daniel58644
daniel586@sbcglobal.net

Tel:  +562.301.7231 T

BIG BUYER of NET LEASE REPORT – March 2015

NET LEASE Big Buyers

Net Lease Commercial Real Estate Investor

Additional information at:  http://bit.ly/1B1Swvd

Website:  http://growingevolvingpushingforward.weebly.com/

15 retail properties for around $42.1 million

Agree Realty Corporation has expanded its portfolio with the acquisition of 15 retail properties for around $42.1 million. These deals added stores of Bed Bath & Beyond Inc. (BBBY – Analyst Report), Old Navy and Dress Barn for the first time to the company’s portfolio, besides the first Wendy’s restaurants.

The acquisition of these net leased properties gives rise to much diversification in Agree Realty’s portfolio base, bringing in 12 diverse tenants from 9 different retail sectors. Positioned across 10 states, these properties enjoy a weighted-average lease term of approximately 11 years, making them a strategic buy for the company. They are net leased to retailers like Sherwin Williams (SHW- Analyst Report), Family Dollar Stores Inc. (FDO – Analyst Report), Academy Sports + Outdoors and Jo-Ann Fabric and Crafts.

As a matter of fact, the retail real estate landlords are having a tough time amid a rising use of e-commerce in the retail sector. Online shopping has been gaining much momentum among consumers as it is more convenient and at times cheaper compared to shopping from physical stores.

Considering these factors, Agree Realty is targeting investments in assets that are leased to e-commerce resistant sectors. The company is focusing on net leasing of properties to the leading retailers in this sector, thereby ensuring steady rental revenue from such properties.

The company has, in fact, aimed for an acquisition volume of $175–$200 million in 2015. With these acquisitions, we believe, the company would be able to leverage the improving market fundamentals and ride on the growth trajectory. But issues surrounding interest rates may hurt its growth momentum to some extent.

ADC Press Release

AGREE REALTY ANNOUNCES THE ACQUISITION OF 15 PROPERTIES FOR $42.1 MILLION BLOOMFIELD HILLS, MI (March 9, 2015) – Agree Realty Corporation (NYSE: ADC) announced today that it recently closed on the acquisition of 15 retail properties for an aggregate purchase price of approximately $42.1 million. The properties are net leased to 12 different tenants operating in 9 diverse retail sectors and located in 10 states. The transactions were completed at a weighted-average cap rate of 8.08% and have a weighted-average lease term of approximately 11.0 years. The recently closed transactions include the Company’s first Bed Bath & Beyond, Old Navy and Dress Barn stores, as well as the first Wendy’s restaurants in the portfolio. Also acquired were properties net leased to Sherwin Williams, Family Dollar, Academy Sports + Outdoors and JoAnn Fabric and Crafts. “We are pleased to announce these transactions and excited about the investment opportunities in our pipeline,” said Joey Agree, President and CEO. “We remain focused on investing in properties net leased to leading retailers operating in e-commerce resistant sectors and are on track to achieve our targeted 2015 acquisition volume of $175 to $200 million.” About Agree Realty Corporation Agree Realty is primarily engaged in the acquisition and development of properties net leased to industry leading retail tenants. The Company currently owns and operates a portfolio of 224 properties, located in 38 states and containing approximately 4.6 million square feet of gross leasable space. The common stock of Agree Realty Corporation is listed on the New York Stock Exchange under the symbol “ADC”.

 

OUR HISTORY

In 1971, Richard Agree, our Executive Chairman of the Board of Directors founded Agree Development Company, the predecessor to Agree Realty Corporation. Over its 23 year history, Agree developed over 40 community shopping centers primarily throughout the Midwestern and Southeast United States.

With an Initial Public Offering of 2.5 million shares in 1994, Agree Realty Corporation commenced operations as a publicly traded Real Estate Investment Trust (REIT). Follow-on equity offerings have subsequently been issued in 1997, 2003, 2005, 2010, 2012, 2013 and 2014. Agree Realty is listed on the New York Stock Exchange under the ticker symbol ADC.

TODAY

Agree Realty Corporation (NYSE: ADC) is a fully-integrated, self-administered, and self-managed REIT focused on the development and acquisition of net lease retail properties throughout the United States. Our growing portfolio of industry leading retailers consists of 218 assets in 38 states, containing approximately 4.4 million square feet of gross leasable space.

Agree’s disciplined and focused investment strategy, its institutional access to capital, and the Company’s industry-wide relationships, consistently produce high-quality opportunities with superior risk adjusted returns.

The Agree Team’s expertise and strategic execution seeks to maximize value for all stakeholders.  Our innovative development and acquisition strategies, adaptive real estate technology, and extensive capabilities are relied upon by our industry leading partners, including Walgreens, McDonalds, JP Morgan Chase, PNC and Wawa.

Building upon the foundation of excellence established throughout the past four decades, Agree Realty continues to be a market leader in the net lease space.


Net Lease Commercial Real Estate Investor

Additional information at:  http://bit.ly/1B1Swvd

Website:  http://growingevolvingpushingforward.weebly.com/

Mr. Daniel Nguyen

3592 Rosemead Blvd #526
Rosemead, California 91770
Los Angeles – USA
Skype:  daniel58644
daniel586@sbcglobal.net

Tel:  +562.301.7231 T


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