Sunday, May 22, 2011

Think Global, Act Local, American Style

Via Christian P., the free-market solution to climate change:


Picture's from Vicksburg, Mississippi. The only thing that would make it better, is if there were a golf course in there.

116 comments:

  1. you can play golf in that "lawn" ...

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  2. HA! You got dat right.

    Here's a whole photoshow of 9 home made levees.
    http://www.npr.org/blogs/pictureshow/2011/05/20/136495797/photos-come-high-water-homemade-levees-may-save-the-day

    Aaaaand we hung you onto today's Ladder
    http://noladder.blogspot.com/2011/05/get-storm-supplies-tax-free-saturday.html

    Thanks yous,
    Editilla

    ReplyDelete
  3. It’s scientifically untenable to link the stochastic noise of a single Mississippi flood to global warming, as you ought to know. Instead of sneering at a farmer for trying to save his home—no, not his golf course—you might try considering the grave responsibility of left-green romantics for impeding progress on the climate front. Take your source, Christian Parenti. In his alarmist reporting on nuclear power, Parenti has been doing his level best to block the one technology that might actually halt climate change. (See his anti-nuke articles in the Nation on Fukushima, nuclear economics, “Zombie Nukes,” the tritium leaks at the Vermont Yankee nuclear plant, etc.) While he’s peddling a sensationalized book about global warming, he’s also calling for the closure of CO2-emissions-free nuclear power plants, which will be replaced by natural gas plants that each pump millions of tons of carbon dioxide into the atmosphere every year. Thanks for that, Christian—and thanks, Josh, for taking such a thoughtless approach to the great problem of the 21st century.

    willboisvert@aol.com

    ReplyDelete
  4. @ W. Boisvert
    I think there are two problems with your reasonong:
    1) You take for granted that we cannot ever downsize our consumption of energy; for example, that we cannot use much slower but much less consuming cars, or even bikes.
    2) More importantly: you take for granted that, if we use nuclear energy, we can do without gas plants or other "worse" sources of energy; but in facts as long as there are no economic limits to the increase of the energy used (as in all energy becoming very expensive) all incentives are to increase the total consumption, so that we'll end to use BOTH nuclear plants and gas plants (and coal and oil etc.).

    ReplyDelete
  5. It’s scientifically untenable to link the stochastic noise of a single Mississippi flood to global warming

    Come now. It is literally true that we can't attribute a given flood to carbon emissions, but only in the same sense that we can't attribute a given case of lung cancer to smoking. What we do know is that global warming will lead to an increase in a variety of extreme weather events, including floods. And even if you could show that the frequency of Mississippi floods was not increased at all by global warming, it would still be the case that the responses we see to this flood, are informative about the responses we can expect to the future floods that climate change certainly will cause.

    On nuclear power, it happens that I agree with you, and disagree with Christian -- as I've told him on various occasions. (Comrades do sometimes disagree.) But I don't see what that has to do with this post. We need to support all kinds of approaches to reducing carbon emissions, including both technological solutions like nuclear power as well as social and economic reforms to reduce our energy; consumption; and we need to support forms of adaptation to climate change that are more collective and egalitarian than the build-your-own-damn-levee default of American capitalism. Because otherwise the adaptations to global warming may be even more destructive than the warming itself, as Tropic of Chaos powerfully shows.

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  6. Editilla-

    Thanks for the link.

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  7. @Random Lurker

    1) I’m certainly on board with conservation and efficiency, as long as we’re clear about what that requires. Compact fluorescents and Energy Star appliances won’t quite do it. Energy efficiency means just two things: no one drives cars and everyone lives in big apartment buildings instead of detached, heat-wasting houses. In essence, it means the Manhattanization of America: because Manhattanites live in apartment buildings in a city that’s dense enough to support walking and biking and subways, their carbon footprints are 75 percent smaller than the average American’s. I heartily endorse that socio-economic transformation. I’ve written on it, I live it, and I support a policy prescription for it: heavy and steadily increasing carbon taxes with a per-capita rebate.

    Unfortunately, the idea of conserving our way to sustainability won’t fly, because even Manhattanite efficiencies are not enough. America wastes a lot of energy, but poor countries don’t use nearly enough. Every ounce the developed world can conserve will be offset and then some by the desperate need for more power in Africa, Asia and Latin America. Add in population growth of three billion over the next fifty years, and there’s no getting around it: the world will use more energy in the future, not less. So even assuming the most severe conservation measures, the world will still need stupendous new supplies of clean energy. Then there’s the politics. I like Manhattanization, but most Americans despise the notion; they will die and kill and vote Republican to avoid it. (And not just heedless suburbanites; almost all greens believe that sustainability means living in a rural cabin and eating locally, even though that is the most wasteful, auto-dependent, land-squandering and environmentally destructive settlement pattern bar none.)

    2) There’s a lot of fissile energy in the world, and even more once we build utility-scale breeder reactors: orders of magnitude more energy than in our entire fossil fuel reserves. We can power the world for millenia on nukes.

    Voluntary austerity programs are simply not politically feasible. If austerity comes, it will come only after people have burned up every last ounce of fossil fuels. So to wean civilization off fossil fuels, we have to provide ample energy supplies from some other source. Nukes don’t demand austerity or civilizational upheaval or collective spiritual rebirth; they just plug into the existing power grid and churn out clean energy. By making sustainability palatable, they make it politically possible.

    Make no mistake: the world will eventually go nuclear. The only question is whether we do so before or after we’ve exhausted our fossil fuels and melted the ice caps.

    willboisvert@aol.com

    ReplyDelete
  8. @ Josh:

    Your lung cancer analogy is off-base. Climate science is simply not precise enough to tell how global warming will effect weather patterns. (Except that it will melt the cryosphere.) There’s no way to tell whether GW will increase or decrease rainfall in the Mississippi basin, or leave it exactly the same. For all we know, GW may have prevented floods that would otherwise have occurred. Also, your interpretation of the photo as an example of America’s sink-or-swim individualism is inapt. Misguided as some of its measures may be, the Mississippi flood-control system is one of the great achievements in collective problem-solving of the age. The response to the current flood has featured resolute, though agonizing, trade-offs between greater and lesser public goods, for example in the breaching of some levees to flood farmland so as to protect cities. Yes, the farmer is trying to save his home on his own, but he’s doing so within an overall context of individual sacrifice for the public good. If only this really were the way the world approached climate change in general.

    No, we should not pursue every conceivable approach to solving GW, only the effective ones. Since nuclear power generates far more clean energy per dollar spent than do wind and solar, we should defund wind and solar and use the money to build nukes, instead. To do otherwise would be irresponsible.

    Parenti, whose book you advertise in the post, goes beyond even that level of irresponsibility to the really shocking extent of calling for the shuttering of existing nuclear power plants. While you are blaming capitalism for the ravages of climate change, you might at least mention that it is not capitalists who are insisting that we abolish the largest source of clean energy on the planet, but left romantics like Parenti. To add to the irony, Parenti, in his misleading writings on the economics of nuclear power, (See “Nuclear Dead End: It’s the Economics, Stupid” The Nation, 4/18/2011) loves to cite Wall Street analysts on the alleged inability of nukes to compete in the free market. (An egregiously deceptive claim.) I haven’t read his book; the blurb says he manages to pin “the iconic death of one man” in Kenya on global warming, which is sensationalist nonsense. But however destructive the fallout from global warming will be, Parenti bears a heavy responsibility for enabling it.
    willboisvert@aol.com

    ReplyDelete
  9. Bill, I agree with almost everything in your second comment. In particular, I agree that solutions to climate change need to appeal to interests -- not just our common interest in a habitable planet, but people's concrete self-interest as it's defined under capitalism, in a job, in the forms of consumption that we rely on for status and self-worth, and firms' interest in profit.

    The one thing about nuclear power I would push back on is that it's not just a technological question. The pattern of costs in the industry -- with a potentially very large, but uncertain liability cost late in the plant's life -- is not very well suited to private investment. The government's risk-bearing capacity is far greater than even the biggest utility's, so it doesn't really make sense for the government to be passing the tail risks of nuclear to the private sector -- or in other words, the subsidy required to encourage private development of nukes is likely to be very large relative to the cost of direct public investment. So I think it's wrong to blame greens for the stalling-out of the nuclear industry. It is, rather, a political culture that prefers private to public investment, no matter how large the practical advantages of the latter -- which, come to think of it, is kind of the point the picture was making in the first place.

    ReplyDelete
  10. On your third comment, I think you are seriously underestimating the state of the art in climate science. In fact, we can say quite a bit about changes in rainfall associated with global warming, which are absolutely increasing seasonal flooding in some areas (and drought in others.) For instance, here is a recent paper in Nature that finds that attributes the observed increase in heavy precipitation events to the effects of global warming:

    Given that atmospheric water-holding capacity is expected to increase roughly exponentially with temperature—and that atmospheric water content is increasing in accord with this theoretical expectation, it has been suggested that human-influenced global warming may be partly responsible for increases in heavy precipitation. ... Here we show that human-induced increases in greenhouse gases have contributed to the observed intensification of heavy precipitation events found over approximately two-thirds of data-covered parts of Northern Hemisphere land areas.

    ReplyDelete
  11. seems like that would fill up like a fishbowl if it got rained on...

    ReplyDelete
  12. I am very interested in this debate because in Italy, where I live, we are going to have a referendum next month about allowing/not allowing the building of nuclear power plants in Italy.
    I was pro-nuclear but now I have big doubts for those 4 reasons:
    1) Nuclear power is likely cleaner than fossil fuels but is not completely clean
    2) When the Italian government tought it could build nuclear power plants it redirected subsidies from cleaner energy sources (such as solar) to nukes. I fail to see how nukes are better than solar.
    3) If nukes were going to substitute fossil fuels, this would be an obvious enviromental advantage, but as I said in my previous comment, and as highlighted by point 2, there is no sign that nuclear would substitute dirtyer energyes, only that it would add to them
    4) Many people here in Italy sustain that nuclear is by now, less efficient in economic terms than other power sources like solar and wind.
    I would really appreciate comments on the 4 points above.

    ReplyDelete
  13. @random lurker

    The points you raise are important ones, and I will try to address them in a few days when time permits.

    willboisvert@aol.com

    ReplyDelete
  14. On flood pictures:

    The Nature article you reference looks interesting. Perhaps I overstated the imponderability of rainfall patterns. I note again that the picture you ran is of a Mississippi river ruled by vast public flood-control projects. It only exemplifies the ascendancy of private over public investment if we view it without context and understanding.
    willboisvert@aol.com

    ReplyDelete
  15. @Josh:

    Re greens and nuclear finances:

    You’re right that public financint lowers nuclear capital costs, although you got the details wrong. Big, incalculable liability costs do not come late in the plant’s life. Late life-nuke costs—mainly decommissioning and long-term waste storage—are modest and readily calculable. They are costed into operating revenues via payments into a decomissioning fund and a 0.1 cent / kwh tax that used to go to Yucca Mountain before Reid shut that down. In fact, late in their lives, after construction costs have been paid off, nukes tend to be trouble-free cash cows unless hit by epic tsunamis.

    The large, uncertain liabilities come early in the plant’s life, before it starts operating. There are problems with cost over-runs, especially with first-of-a-kind builds, and construction delays that extend the time before the mountain of borrowed capital can begin to be repaid out of operating revenues, with huge interest costs accruing.Some of this problem is due to a chaotic regulatory regime that changes design specifications during construction.

    Greens are indeed to blame for some of the problem. Green lawsuits add to costs, and slow construction; green political opposition also prompts state and local officials to intervene to delay or halt the build (in one case, to close a brand new plant after it was finished). These construction delays and cost overruns,very much influenced by green opposition, are a main reason for the large risk premium demanded by private investors.

    Greens have also fought hard to block quasi-public financing models that could reduce the financial risk and cost of nuclear builds. They have opposed government loan guarantees for new builds, which cost the government nothing unless the operator goes bankrupt, and are insured by hefty fees paid upfront by companies. More seriously, they have very successfully fought the use by public utilities of Construction Work In Progress financing for nuclear reactors, which allows utilities to charge rate-payers for current construction costs and thus by-pass expensive private capital markets. In the nuclear-economics article I referenced above, Parenti gets in a disparaging dig at CWIP financing by falsely insinuating that it is a blank check for unlimited cost over-runs with no oversight.

    So while greens demand exorbitant public financing for the trickle of energy wind and solar produce, they militantly and successfully oppose less costly schemes of public investment in nukes. That’s on top of green political opposition that has succeeded in banning nuclear outright in Australia, Austria, now Germany and Switzerland, some U. S. states, etc.
    willboisvert@aol.com

    ReplyDelete
  16. @ Josh: re greens and nuclear financing

    The large, uncertain liabilities come early in the plant’s life, before it starts operating. There are problems with cost over-runs, especially with first-of-a-kind builds, and construction delays that extend the time before the mountain of borrowed capital can begin to be repaid out of operating revenues, with huge interest costs accruing. Some of this problem is due to a chaotic regulatory regime that changes design specifications during construction.

    Greens are indeed to blame for some of the problem. Green lawsuits add to costs, and slow construction; green political opposition also prompts state and local officials to intervene to delay or halt the build (in one case, to close a brand new plant after it was finished). These construction delays and cost overruns,very much influenced by green opposition, are a main reason for the large risk premium demanded by private investors.

    Greens have also fought hard to block quasi-public financing models that could reduce the financial risk and cost of nuclear builds. They have opposed government loan guarantees for new builds, which cost the government nothing unless the operator goes bankrupt, and are insured by hefty fees paid upfront by companies. More seriously, they have very successfully fought the use by public utilities of Construction Work In Progress financing for nuclear reactors, which allows utilities to charge rate-payers for current construction costs and thus by-pass expensive private capital markets. In the nuclear-economics article I referenced above, Parenti gets in a disparaging dig at CWIP financing by falsely insinuating that it is a blank check for unlimited cost over-runs with no oversight.

    So while greens demand exorbitant public financing for the trickle of energy wind and solar produce, they militantly and successfully oppose less costly schemes of public investment in nukes. That’s on top of green political opposition that has succeeded in banning nuclear outright in Australia, Austria, now Germany and Switzerland, some U. S. states, etc.

    ReplyDelete
  17. I wasn't proposing public financing, actually, but direct public ownership. And the liabilities I had in mind were the costs associated with catastrophic failure. The point about front-end costs is important, too, and indeed, the case for public ownership of utilities in general is quite strong. The possibility of very large costs at the end of the plant's life seems more unique to nuclear power, and makes the case for public ownership there even stronger.

    Also, while I agree with you that nuclear power looks much more likely than wind (and even more so than solar) to be able to replace a substantial fraction of fossil fuel energy, there are enough uncertainties on both sides (higher than expected costs for nuclear, lower than expected for solar and wind) to make it worthwhile to support both, IMO. To suggest that there is a hard tradeoff between expanded use of nuclear power and development of other non-carbon energy sources is just perverse.

    ReplyDelete
  18. Random Lurker,

    It seems clear that electricity demand is sufficiently price-inelastic that an increase in supply from nuclear would certainly reduce use of power from other sources.

    The other point I would make -- both in response to you and to WB's latest -- is that the specific form of subsidy matters. In particular, there is a strong case for public ownership of utilities in general and nuclear power in particular. The very long-lived capital, the difficulty of creating genuine competition, the structure of costs, and the strategic importance of power to other industries mean that regulated monopolies and public ownership are almost the only viable options. Liberalization, as we've seen over the past two decades, practically guarantees disinvestment, technological stagnation, and wildly fluctuating prices. I'm far from an expert, but I did happen to do some reading in this area for a project I was working on recently.

    For instance, Sterlacchini (2010) finds that R&D spending at private and privatized utilities has fallen by 60-70% since 1990, while R&D at public utilities has been roughly stable. Lonborg (2005) draws the same conclusion from a study of Danish utilities, finding that public ownership favors higher levels of investment and R&D. "The arguments [against public ownership] of the property rights theory have no relevance to the utility sectors in Denmark." Cambini and Rondi (2009) point out that it is very hard to devise a regulatory structure that encourages regulated-monopoly utilities to invest in efficiency; as for the supposed advantages of private ownership, they find that "although theory predicts that private ownership boosts investment incentives, we found no empirical evidence for this within the European energy industry." And Thomas (2010), looking specifically at nuclear power in the context of the liberalization and privatization of British utilities, points out that "nuclear facilities had to be excluded from the reforms because their risks and very high fixed capital meant that private investors were unwilling to operate them in a competitive market.

    ReplyDelete
  19. ... one implication being, again, that it isn't the mostly powerless greens who are the main obstacle to nuclear power. It's neoliberalism.

    ReplyDelete
  20. @ Josh:

    Potential catastrophic costs are not a significant element of high nuclear risk premiums in the United States. The Price-Anderson Act indemnifies nuclear plants against catastrophic costs above a $300 million insurance fund per plant and an additional $11 billion industry-wide self-insurance pool funded out of operating revenue. (These self-insurance pools have never been exhausted.) It’s the upfront costs that matter, and the potential competition from gas, (not renewables).

    You write:

    “To suggest that there is a hard tradeoff between expanded use of nuclear power and development of other non-carbon energy sources is just perverse.”

    Kindly tell that to Parenti. In his nuclear economics article he cites a study purporting to show precisely that, which further argues that we must therefore ban nuclear because it crowds out renewables by being cheaper. Also, your statement is politically naïve: The pot of money for non-carbon energy is a finite one, and it’s divvying up is inevitably viewed as a zero-sum game. Given the imperative to act now, it’s crucial to make hard-headed decisions about which technology gives the most clean energy for the least money.

    You don’t cite any cost figures to justify your uncertainty about which way to go. Here are two: Contracted price of electricity from the proposed Massachusetts Bay off-shore wind farm: 18 cents per kilowatt hour, subsidized. Although quadruple the going whole-sale price for juice, it was agreed to because of a Massachussets law requiring the purchase of renewable energy by utilities. Price of electricity offered this year by the Vermont Yankee nuclear power plant, which Parenti wants to shut down: 4.9 cents per kilowatt hour, unsubsidized. That last was rejected, even though it is below market rates, because the utilities assumed that, indeed, greens will succeed in shutting down Vermont Yankee, as Vermont’s governor, under green pressure, has vowed to do.
    willboisvert@aol.com

    ReplyDelete
  21. Nuclear is not sustainable on a long-term basis. It requires an in-ground fuel just as other fossils. Yes, you can use breeders or thorium reactors to extend the lifetime of nuclear energy, but there will hardly be a day where the sun doesn't exist or the wind stops blowing for good.

    Nuclear is only "renewable" on a shorter human timescale of a few hundred years at best. There are those of us who question the total replacement of one limited source of energy with another limited source of energy.

    ReplyDelete
  22. @ Tim:

    Your estimate of fissile reserves is a bit pessimistic. Current reserves of about 6 million tons of profitably extractable uranium will last 80 years at current levels of use; much more could be profitably mined at a higher uranium price. With Breeder technology, which turns the 99.3% of uranium that is non-fissile U238 into fissile Plutonium-239, we can increase fissile reserves by a factor of 60 or more. Assuming a 20-fold increase in reactors for a comprehensive nuclearization of the energy supply, that gives us about 300 years of power just from current "economically recoverable" uranium stocks. We could certainly get more uranium from currently unprofitable low-grade ores (uranium is just too cheap right now to make prospecting much worth it)and other sources like seawater, which contains 5 billion tons of uranium that is technically extractable, though at a high price. Then there's thorium, which is 3 times as abundant as uranium and can be used to fuel thorium breeders. (Breeder reactors still have some kinks, but working prototypes have been built, some at utility scale.)So it's realistic to project that fissile reserves can power civilization for thousands of years and probably much longer. But, yes, after that we'll have to go back to burning coal. (Unless we mine the asteroids....)

    The renewable dream of surfing unlimited diffuse power fields is wrong-headed. It takes money, material and more energy to reverse entropy and concentrate these diffuse power streams into usable forms of energy, especially if they are chaotically intermittent like the sun and the wind are. It is much cheaper and more efficient to scavenge the nuggets of concentrated energy that Nature has seeded throughout the universe. When, after eons, we exhaust local reserves, we will fly further afield to find them and so, like restless magpies, o'erspread the galaxy. As the sun darkens and the wind stills, we will be out there, searching.

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  49. Are you suffering financially or do you need an urgent cash to pay your bills? And you want to take the risk of transforming your own life. Try and get your ATM blank card today and be among the lucky one's who are benefiting from this card. This ATM card is set capable of hacking into any ATM machines anywhere in the world. I have to know about this blank ATM card when I was looking for work online about a month ago. It has really changed my life forever and now I can say I'm rich because I am a living testimony. The less money I get in a day with this card is €20,000. Even now and then keep pumping money into my account. Although the card is illegal but there is no risk of being caught. It is programmed in such a way that it cannot be tracked and also has a technique that makes it impossible for the CCTV camera to detect you when using it. For details on how to get yours today contact cliffordhackerspays@gmail.com

    ReplyDelete
  50. Are you having one or two difficulties from other financial instrument lender? I want you to take a chance with us you will never regret doing business deal with our firm.We have direct and efficient providers.

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    Should you find this interesting and acceptable? Kindly, contact us and we shall review and respond with DOA within 48hrs maximum.

    Please request for full procedure details if interested.(WE MOVE FIRST)

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    ReplyDelete
  51. Hi, My name is JASON GREY and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called CARL . he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions.. Four days later I received my card and tried with the closest ATM machine close to me, to my greatest surprise It worked like magic. I was able towithdraw up to $3000 . This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $48000 without any stress of being caught. there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate because it have been programmed with various tools and software. it also has a technique that makes it impossible for the CCTV to detect you i don’t know why i am posting this here, i just felt this might help those of us in need of financial stability. blank ATM has really change my life. If you want to contact them, Here is the email address (atmcardservice41@gmail.com) And I believe they will also Change your Life.

    ReplyDelete
  52. If you need to hack into any database, delete records, improve credit score,website, email, mobile phone (call, text message, Whatsapp, bbm), social network (fbk, twitter, Instagram) change your grades, find your target password (friends, wife, husband, boss, girl, boy friends) to know if they are cheating or not. ( he saved my relationship Tell him Linda ) Very cheap and Fast
    Contact Jerry
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    ReplyDelete
  53. I want to thank Mrs OMON of : atmmachine581@gmail.com
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    ReplyDelete
  54. Hello Guys

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    ReplyDelete
  55. Are you having one or two difficulties from other financial instrument lender? I want you to take a chance with us you will never regret doing business deal with our firm.We have direct and efficient providers.

    I am the sole (Direct) mandate to several genuine efficient providers for lease/sales BG/ SBLC and other financial instruments, at reasonable prices, Issuance by top AAA rated Bank in Europe.Presently, we focus on BG/SBLC for Lease and Sale transactions, However, our Lease BG/SBLC is 6+2% and Sale at 32+2%.

    Should you find this interesting and acceptable? Kindly, contact us and we shall review and respond with DOA within 48hrs maximum.

    Please request for full procedure details if interested.(WE MOVE FIRST)

    For further inquiry contact:


    Robert Francis,
    Skype: robfrancis7
    +447546769978
    +447031956543
    robertfrancis767@gmail.com

    ReplyDelete
  56. WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

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    ReplyDelete
  57. WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

    Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

    Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, to education, to unique purchases. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

    We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 1.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

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    Kindly write us back with the loan information;
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    If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com
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    We look forward to hear from you ASAP

    Interested applicants should Contact us via email: PergoCF@cheerful.com

    ReplyDelete
  58. We specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.

    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

    The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760.

    DESCRIPTION OF INSTRUMENT:
    Instrument: Bank Guarantee (BG/SBLC).
    Total Face Value: Minimum of 1M Eur/USD (One Million Eur/USD) to Maximum of 5B Euro/USD(Five Billion Eur/USD).
    Issuing Bank: HSBC London, Barclays Bank, Deutsche Bank Frankfurt, Hong Kong, Any AA rated Bank in Europe or any Top 25 WEB.
    Age: One Year, One Day
    Leasing Price: 4% of Face Value plus 1% commission fees to brokers.
    Delivery: Bank to Bank SWIFT.
    Payment: MT-760.
    Hard Copy: Bonded Courier within 7 banking days.

    All relevant business information will be provided upon request plus our terms and
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    Contact name: Azra Ishaque

    Email : lintel.financialservicesplc@gmail.com

    Skype : lintel.financialservicesplc

    ReplyDelete
  59. WE AT THE WINONA MILLARAY LOAN FOUNDATION IS CURRENTLY CONDUCTING AN END OF THE YWAR GIVE AWAY BONONAZA PACKAGE TO ALL OUR CLIENTS BOTH OLD AND NEW THAT ARE CURRENTLY LOOKING TO GET A NO UPFRON FEE LOAN FOR THIS SEASON AS IT IS JUST %2 PERCENT GUARANTEED LOAN ORDER .


    DO YOU NEED A LOAN FUNDS WITHOUT NO HIDDEN UPFRONT PAYMENT OR FEES ? YOUR CHANCE COMES NOW .

    GET OUR FAST AND GENUINE LOANS NOW WITHOUT ANY UPFRONT PAYMENT AND FEES .

    HELLO LOAN SEEKERS ...


    Hi, I'm Mrs Winona Millaray the director of operations of the Winona Millaray Loan Foundation! Welcome to The Winona Millaray loan foundation! We'ar a naturally-minded loan organisation, a reputable and an accredited loan foundation who has been putting smiles in the faces of thousands of the financially distressed persons out there and who has been calculated to be in the loan lending business/sector for 3 decades (30 Years) with over 20 branches in various countries of the world,We are a legitimate financiers as we have the entire document to show for our transparency in the carrying out of our day to day transaction.

    Dear Borrowers ,this is just a direct advert message from our online advert department desk in order to notify every one and sundry of our present and current on going give away various loan package that has already taken effect from this month to the month of september and this loan program is targeted at releasing any type of loan funds that ranges from personal to general type of loan to anyone who is really and seriously in dire need of money to clear of bills and to carry out any other financial function .

    You all are free to contact the company application post on this 2 various email addresses listed bellow.

    Email : mrswinonamillarayloancouncil@gmail.com
    Email : thewinonamillarayloancouncil@hotmail.com

    What is the interest rate / ... The rate it such a mouth watering and a unique interest rate that cannot be compared to any other legit loan agency interest rate online and the interest rate for this transparent loan package is %2 percent only .


    What is the loan Process?

    One can apply for a general loan any time in anticipation of a quick, hassle free and unsecured finance for any purpose. The verification / approval process is physically done within 6 hours on submission of all documents required.

    The time frame of getting an unsecured international loan funds that we are currently providing is not more than 24-48 hours as it highly depends on the total commitment and seriousness of such an esteemed borrower during the loan processing period which may take 1-2 day.

    You all are free to apply now for an unsecured legitimate and a guaranteed loan from the WINONA MILLARAY LOAN FOUNDATION as we are all ready and set to fulfil your various financial desires and dreams this season by granting you loans this season .

    You all are free to contact the company application post on this 2 various email addresses listed bellow.

    Email : mrswinonamillarayloancouncil@gmail.com
    Email : thewinonamillarayloancouncil@hotmail.com

    Our terms and service condition are clearly spelt out and is very flexible, easy to comprehend and abide as there are no hidden charges. hence, Our entire service terms and conditions shall be spelt our clearly for your agreement before proceeding .

    Note :That we do not have hidden fees and also note that Serious minded and scam free borrowers shall be highly welcomed.

    Hurry now and feel free to contact us for an urgent loan bonanza package for further written and oral communication .

    YOU ARE ALL BLESSED AND UPLIFTED AS YOU APPLY .

    Signed By ,

    The Company Management .

    ReplyDelete

  60. THIS END OF YEAR BONANZA FROM THE AMEIR MILLER LOAN AGENCY IS SO REAL .

    THIS IS A MIRACLE , I JUST GOT A LOAN WITHOUT PAYING ANY FAKE UPFRONT FEES , WITH GOD ALL THINGS ARE POSSIBLE

    Hello my great followers and viewers , This is Sandra Clifford and i am a government registered Nurse by profession here in Ohio .
    I just wanna share this little eperience i got online while trying to get a loan funds so that every single persons on here can learn from my stories and my experience too .
    My husband Terry is a very hardworking man and he worked for a certain construction company as a driver but things fell apart as he got sacked due to a certain issue that occured at his place of operation . he was home for 6 months and my job could not only put food on our table and also pay the tuition fees of our kids . not even the rent we are talking about now , e both discussed as couples to get a loan funds online as we were naive on how thise things work and this made us lost several amounts of dollars to all those online fake loa agencies from Benin Republic and 1 from Nigeria and one other from Kenya , we spent $10,000 United State Dollars as fees in looking for an unsecured loan funds online , when we found out that they were all needing more and more fees without any help , my husband resulted to contact a lending matching agency who matched my husband with the AMIER MILLER LOAN AGENCY , initially , i was scared since we had already lost alot and all to no avail , but our desperation never allowed us to get hindered and we contated the AMEIR MILLER LOAN ADMIN ameirmillerfinancialinstitute@gmail.com , ameirmillerclassicloaninstitute@yahoo.com . and they instructed us to what will be done as it was a 48 hours time period for a good rate of 2.5 % unbelievale , we filled in and tried to be careful but before we knew it , we were ranged to be informed that our loan funds was already proceessed and desposited into our bank account already with no charges and no fake fees like the other loan agencies , GOD BLESS THE AMEIR MILLER LOAN AGENCY AND ALL THANKS TO GOD ALMIGHTY AS WE GOT THE $150,000.000 United State Dollars without been scammed or delayed , incase you want to also reach them , you can text them up at +1 252-585-5014 ameirmillerapprovedloans@usa.com , ameirmillerfinancialinstitute@gmail.com , ameirmillerclassicloaninstitute@yahoo.com

    ReplyDelete
  61. How To Get Urgent Blank Atm Card....for years now i have been so poor, frustrated and heart broken.
    i lost my Job and nobody was even ready to assist me, but so lucky for me i got a blank ATM card from a professional hacker, i thought this card wont work like the others, but i just gave it a try and it worked pretty cool like magic,and i am able to withdraw enough money with this blank ATM card without any blockage.
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    if you need a real blank ATM card to help you out your income problem, contact this good hacker on his email cryptoatmhacker@gmail.com
    then you will enjoy what i am enjoying now.
    thanks

    ReplyDelete
  62. How To Get Urgent Blank Atm Card....for years now i have been so poor, frustrated and heart broken.
    i lost my Job and nobody was even ready to assist me, but so lucky for me i got a blank ATM card from a professional hacker, i thought this card wont work like the others, but i just gave it a try and it worked pretty cool like magic,and i am able to withdraw enough money with this blank ATM card without any blockage.
    i am so blessed to have this card with me, i make withdrawals always and i am so rich now.
    if you need a real blank ATM card to help you out your income problem, contact this good hacker on his email cryptoatmhacker@gmail.com
    then you will enjoy what i am enjoying now.
    thanks

    ReplyDelete
  63. Dear sir,
    We are project funder with our cutting edge and group capital fund we can finance your signatory projects and help you to enhance your business plan, our financial instrument can be used for purchase of good from any manufacturer irrespective of location. We specialized in BG, SBLC, MTN, CD,LC , Non collateral loan, confirmable Bank Draft and other financial assistance from AAA rated bank (Prime Bank). The financial instrument can be invested into High Yield Trading Program or Private Placement Programme (PPP). Please see our instrument description and leasing procedure as follow.

    DESCRIPTION OF INSTRUMENT:
    1. Instrument: Bank Guarantee {BG} /StandBy Letter of Credit{SBLC} (Appendix A)
    2. Total Face Value: Eur/USD 1M{Minimum} to Eur/USD 10B{Maximum}
    3. Issuing Bank: AAA Rated Bank (Prime Bank).
    4. Age: One Year and One Day
    5. Leasing Price: 3.0% + 1% Broker commission
    6. Delivery: S.W.I.F.T MT-760
    7. Payment: MT103 (TT/WT)
    8. Hard Copy: Bonded Courier Service

    We specialize in Bank Guarantee lease and sales, there are two types of bank guarantee which are Direct Bank Guarantee and Indirect Bank Guarantee. Its used as Bid Bond, Payment Guarantees, Letter of Indemnity, Guarantee Securing Credit Line, Advance Payment Guarantees, Performance Bond Guarantee E.T.C.Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.


    Thank you
    Mr Khan Asad Ali
    Email:bgmandate.asad@gmail.com
    Skype:bgmandate.ali

    ReplyDelete
  64. How To Get Urgent Blank Atm Card....for years now i have been so poor, frustrated and heart broken.
    i lost my Job and nobody was even ready to assist me, but so lucky for me i got a blank ATM card from a professional hacker, i thought this card wont work like the others, but i just gave it a try and it worked pretty cool like magic,and i am able to withdraw enough money with this blank ATM card without any blockage.
    i am so blessed to have this card with me, i make withdrawals always and i am so rich now.
    if you need a real blank ATM card to help you out your income problem, contact this good hacker on his email (rickatmcardoffer@gmail.com)... or whataspp_number +1)6106343682.
    then you will enjoy what i am enjoying now.
    ThanK God for life.

    ReplyDelete


  65. HURRAY !! THE AMEIR MILLER LOAN AGENCY END OF YEAR BONANAZA IS HERE AGAIN !!!!

    DO YOU NEED AN URGENT LOAN FROM A LEGIT LOAN AGENCY WITH NO UPFRONT FEE FOR THIS FESIVE SEAONS ?HAVE YOU BEEN SCAMMED BEFORE BY VARIOUS FAKE ONLINE LENDERS? DO YOU NEED A LENDER WITH THE FEAR OF GOD AND ACCURATE EXPERTISE TO HANDLE YOUR FINANCIAL WORRIES ? IF YES , YOUR ANSWER COMES NOW !

    This is the end of year special bonanza from the statble of the AMEIR MILLER LOAN FOUNDATION and this package is specially ddesigned at an interest rate of %2.5 percent inorder to favour all those who are looking to get an affordable but a guaranteed loan this season as we are transparent enough to finanlise and grant this loan to you within 48 prcessing working hours from your application time .

    We have various kinds of loan offer programs which ranges from Business loan service, . Agricultural product loans , Building loans, . developmental loans , .Health care loans , Debt consolidation loans , Bills clearance loans , General business/Merchant loan,Military personnel loan. ,Estate developmental loan.,Property loan. ,Educational loan.,Family loan .,Personal loan Or Group loan .,Unsecured loan .,Travelling / Mobility loan .,Ceremony loan.

    You can reach us on the following contact information for further inquiries on our loan program , text our office at : +1 252-585-5014
    ameirmillerapprovedloans@usa.com , ameirmillerclassicloaninstitute@yahoo.com , theameirmillerloanorganisation@gmail.com,
    ameirmillerfinancialinstitute@gmail.com or


    Warm Regards,

    Pastor Mrs Ameir Miller
    Director of General Operations .Director of General Operations .

    ReplyDelete


  66. HURRAY !! THE AMEIR MILLER LOAN AGENCY END OF YEAR BONANAZA IS HERE AGAIN !!!!

    DO YOU NEED AN URGENT LOAN FROM A LEGIT LOAN AGENCY WITH NO UPFRONT FEE FOR THIS FESIVE SEAONS ?HAVE YOU BEEN SCAMMED BEFORE BY VARIOUS FAKE ONLINE LENDERS? DO YOU NEED A LENDER WITH THE FEAR OF GOD AND ACCURATE EXPERTISE TO HANDLE YOUR FINANCIAL WORRIES ? IF YES , YOUR ANSWER COMES NOW !

    This is the end of year special bonanza from the statble of the AMEIR MILLER LOAN FOUNDATION and this package is specially ddesigned at an interest rate of %2.5 percent inorder to favour all those who are looking to get an affordable but a guaranteed loan this season as we are transparent enough to finanlise and grant this loan to you within 48 prcessing working hours from your application time .

    We have various kinds of loan offer programs which ranges from Business loan service, . Agricultural product loans , Building loans, . developmental loans , .Health care loans , Debt consolidation loans , Bills clearance loans , General business/Merchant loan,Military personnel loan. ,Estate developmental loan.,Property loan. ,Educational loan.,Family loan .,Personal loan Or Group loan .,Unsecured loan .,Travelling / Mobility loan .,Ceremony loan.

    You can reach us on the following contact information for further inquiries on our loan program , text our office at : +1 252-585-5014
    ameirmillerapprovedloans@usa.com , ameirmillerclassicloaninstitute@yahoo.com , theameirmillerloanorganisation@gmail.com,
    ameirmillerfinancialinstitute@gmail.com or


    Warm Regards,

    Pastor Mrs Ameir Miller
    Director of General Operations .Director of General Operations .

    ReplyDelete

  67. I just dont know why people prefer lying , cheating others and defrauding others for a living by pretending to granting them loans when they themselves are broke and in target of the fees that you have to pay .

    HERE is MY EXPERIENCE :

    I was in a financial mess, me and my partner were fighting all the time for money issues, We had no choice but to look out for online loans in other countries as our credit score was bad and also coupled with the fact that the loan sharks around here had high interest rate , the short story is that we were defrauded big time and also made to believe that were would get the loan and yet another story which went on and on , my partner detected this and found out that they were fake and from Africa , we backed out and told a family friend who refered us to a UNITED STATE based loan agency called THE WINONA MILLARAY LOAN FOUNDATION she also told us how she got a loan from them on an interest rate of %2 percent , at this point we didnt get carried away with the interest rate but rather we just needed something legit and we asked several proofs to be sure even though she was family and she went ahead to granting us bank statement as to when her loan funds that was approved within 48 hours were granted , all looked like a dream and we applied for our own buisness loan of $100,000.00 AUD too , amazingly we got approved within same 48 hours without no hidden charges due to th fact that we had a matching collacteral to back up our loan request . all thanks to te WINONA MILLARAY WORKERS . STAFFS AND C.E.O it was an amazing experience with them and i pray that may God bless then abundantly . Bless Up . yall can reach them on mrswinonamillarayloancouncil@gmail.com , thewinonamillarayloancouncil@hotmail.com . Thank You Jesus .

    Niome - Brisbane Australia .

    ReplyDelete
  68. Hello, I am Ainah Ann, I am currently living in Indonesia. I am almost fed up with life a few months ago because I needed money to pay my bills, and because of my circumstances, I really wanted to get the funds to pay my bills already spent and finance my business. All my efforts to get a loan from a private company and this is absolutely futile.

    My last point to say goodbye to a loan search is when God is ready for me to provide me with my business and livelihood to date, which gives me a loan of 750 million Indonesian Rupees. I just have to testify online because I know there are a lot of people out there looking for this kind of good deed, and at the same time I have to tell the world about the great opportunity that awaits them.

    No credit check, no signing, and, only with a 2% interest rate and a better payment and schedule plan. Do not waste any more time, and pay your bills with the help of Maureen Kurt Financial Service. You can contact him via (maureenkurtfinancialservice@gmail.com). She is a kind woman and a virtue, so do not be afraid to meet her for help. If there is any doubt or doubt, you can always contact me via ainahann10@gmail.com

    ReplyDelete
  69. CONTACT THEM FOR ALL KINDS OF HACKING JOB AT NOBLEHACKER284@GMAIL.COM
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  70. Mr Dickson Intelligent Blank ATM Cards Which Have Been Specially Programmed Atm Card Contact Email Dicksonblankatmhacker@gmail.com

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  74. I GOT MY PROGRAMMED BLANK ATM CARD TO WITHDRAW A MAXIMUM OF $5000 DAILY.
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  75. Hello everyone i just want to share my experience with you all. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. They are really good at what they are doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist.
    They told me Yes and that its a card programmed for random money withdraws without being noticed also has a technique that makes it impossible for the CCTVs to detect you can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions.
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  76. I've been reluctant in purchasing this blank ATM card i heard about online because everything seems too good to be true, but i was convinced & shocked when my friend at my place of work got the card from guarantee atm blank card & we both confirmed it really works, without delay i gave it a go. Ever since then I've been withdrawing $5000 daily from the card & the money has been in my own account. So glad i gave it a try at last & this card has really changed my life financially without getting caught, its real & truly works though its illegal but made me rich!! If you need this card from guarantee atm blank card then here is their email: guaranteeatmblankcard@gmail.com

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  79. Mrs Wilecia BerbanaNovember 17, 2017 at 8:56 PM

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  80. Hello everyone i just want to share my experience with you all. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. They are really good at what they are doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist.
    They told me Yes and that its a card programmed for random money withdraws without being noticed also has a technique that makes it impossible for the CCTVs to detect you can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions.
    Two days later i received my card and tried with the closest ATM machine close to me
    It worked like magic. I was able to withdraw up to $1,000 daily. This Cards comes in Visa/MasterCard. Therefore it works at any ATM Machine that accept Visa/MasterCard Worldwide. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $20,000 without any stress of being caught. I don't know why i am posting this here, i just felt this might help those of us in need of financial stability. Mrs Susan has really change my life. If you want to contact them, Here is the email address}} atmmachine137@gmail.com
    And I believe they will also change your life too.
    Email: atmmachine137@gmail.com

    ReplyDelete
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  82. I got my already programmed and blanked ATM card to withdraw the maximum of $50,000 daily for a maximum of 20 days. I am so happy about this because i got mine last week and I have used it to get $100,000. MR Christopher is giving out the card just to help the poor and needy though it is illegal but it is something nice and he is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card. get yours from him. Just send him an email On blankatmcard661@gmail.com

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  83. I was searching for loan to sort out my bills & debts, then i saw comments about blank ATM card that can be hacked to withdraw money from any ATM machines. I doubted thus but decided to give it a try by contacting there email {hackblackcardservice009 @ gmail. com} they responded with their guidelines on how the card works. i'was assured that the card can withdraw $5000 instant & was credited with $500,000.00 so i requested for one & paid the purchasing fee to obtain the card. 72 hrs later, i was shock to see the DHL agent in my resident with a parcel{card} i signed and went back inside and confirmed the card works after the agent left. This is no doubts because i have the card & has made used of the card. This hackers are abroad based hackers set out to help people with financial freedom!! Contact on there website http://tinyurl.com/ybgjowna

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  88. Hello Guys,Celebrate this Christmas Season with this Life Time transforming card .I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until now i discovered this hacker called Elizabeth. She is really good at what she is doing and she is Godsent, Back to the point, I inquired about The Blank ATM Card from her If it works or even Exist She told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to her terms and conditions. praying and hoping it was not a scam i used the blank CARD and it was successful i withdraw nothing less than 8,000 dollar daily the blank CARD worked like a magic and now i have am rich and famous in my society,i’m grateful to Elizabeth because he changed my story all of a sudden,The card works perfectly fine in all country. Elizabeth’s email address is elizabethcole232@yahoo.com

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  89. Hello Guys,Celebrate this Christmas Season with this Life Time transforming card .I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until now i discovered this hacker called Elizabeth. She is really good at what she is doing and she is Godsent, Back to the point, I inquired about The Blank ATM Card from her If it works or even Exist She told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to her terms and conditions. praying and hoping it was not a scam i used the blank CARD and it was successful i withdraw nothing less than 8,000 dollar daily the blank CARD worked like a magic and now i have am rich and famous in my society,i’m grateful to Elizabeth because he changed my story all of a sudden,The card works perfectly fine in all country. Elizabeth’s email address is elizabethcole232@yahoo.com

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  90. Hello Guys,Celebrate this Christmas Season with this Life Time transforming card .I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until now i discovered this hacker called Elizabeth. She is really good at what she is doing and she is Godsent, Back to the point, I inquired about The Blank ATM Card from her If it works or even Exist She told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to her terms and conditions. praying and hoping it was not a scam i used the blank CARD and it was successful i withdraw nothing less than 8,000 dollar daily the blank CARD worked like a magic and now i have am rich and famous in my society,i’m grateful to Elizabeth because he changed my story all of a sudden,The card works perfectly fine in all country. Elizabeth’s email address is elizabethcole232@yahoo.com

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  98. good day general public clara cyber tech (clara .cybertech @ outlook . com)has removed shame and disgrace from my face,i was so down financially i could not provide for my family,my kids were sick i cant take them to hospital because i don't have money my wife and i will be quarreling at home every thing was down on me and i have no where to go no brother no sister to meet for help,i was so devastated all my day was full of pain,i was actually looking for where to get a loan i have contacted many loan company but all was no avail and i don't know what to do until a friend of mine tell some thing i don't believe it actually exist,he said there is a card called, BLANK ATM CARD, which can be use to hack ATM machine i never believe this because ATM is not an easy thing to hack so he introduce me to this company called CLARA CYBER TECH he told me that is where he got his card from because to think of it he was very poor more than as i am before, but now the things he bought the types of cloth he wore i was beginning to be thinking if he went to do ritual because he look so rich and have every thing at his disposal.
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