مايو 2019 ~ Info plus

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The world's largest banks for 2019 in terms of assets

The world's largest banks for 2019 in terms of assets
The world's largest banks for 2019 in terms of assets

The financial institutions and the economy of any country are indispensable, as banks offer
opportunities for borrowing, saving and other benefits for individuals and institutions. S & P Global Intelligence publishes its annual report on banking and financial services and highlights the top 100 banks in the world. In terms of total assets.



US-based banks have been dominant in the international financial system for years, but Chinese banks are now at the forefront.

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Of the top 15 banks in terms of total assets, there are six banks based in Asia, of which 4 are Chinese, while only two are based in America.







Top 10 Banks in the World for 2019

Ranking

the bank



Illustration

01

Industrial and Commercial Bank of China




- The largest bank in the world with total assets exceeding $ 4 trillion, while the market value of $ 312 billion.



- The bank posted operating profit of $ 53 billion and a net profit of $ 41 billion in 2016, the first Chinese bank to become the world's largest public company by total assets.


02

China Construction Bank (CCB)






- The Chinese bank is one of the top 10 public companies in the world, headquartered in China. It has about 13.6 thousand local branches and more than 12 international branches, with a total assets of $ 3.4 trillion and a market value of $ 238 billion.


03

Agricultural Bank of China




- The bank was established in 1951 thanks to a merger between China Farmers Bank and the Bank of Cooperation, which has been restructured several times before taking its current shape since 1979.


- The bank now has around 24,000 branches across the country, with a total assets of $ 3.285 trillion, while its market capitalization is $ 182.3 billion.


04

Bank of China "Bank of China"




- The Chinese government established the bank in 1912 and is now the second largest lender in China. Its headquarters are located in Beijing's Xicheng District, with a market value of $ 185 billion and a total assets of $ 2.991 trillion.


05



Mitsubishi UFJ Financial Group Mitsubishi UFJ Financial Group






- Japan's largest financial services company with assets of $ 2.784 trillion and one of the largest subsidiaries of the Mitsubishi Group.


- The bank was established in 2005 thanks to a merger between Tokyo-Mitsubishi and UFJ, with a market value of $ 78.4 billion.


06

JPMorgan Chase & Co "




- JPMorgan Chase is currently the largest bank in the United States and was established by a merger between JPMorgan and Chase Manhattan in 2000.


- The bank's market capitalization is $ 374.1 billion, while its total assets are $ 2.533 trillion. The bank recorded revenue of $ 99.62 billion and net income of $ 24.45 billion in 2017.


07

HSBC "HSBC"




- The bank is the largest bank in Europe with assets of $ 2.521 trillion, while its market value is $ 187 billion.


- Founded in Hong Kong in 1885 under the name of Hong Kong and Shanghai Banking Corporation, it underwent a series of banking changes before being restructured to its present form in 1991.


- In 2017, the bank recorded revenues of $ 51.4 billion, representing an increase of 7% over 2016, with total revenue of $ 40 billion.


08

BNP Paribas "BNP Paribas"




- The largest banking group in France and the second largest banking group in Europe by assets under management and market value. It has a total assets of $ 2.235 trillion, while its market value is $ 99 billion.


- The bank was established in 2000 thanks to a merger between BNP and Paribas, and serves more than 40 million people worldwide.


09

Bank of America "Bank of America"






- The second largest bank in the United States and the ninth largest bank in the world in terms of total assets, with assets of $ 2.281 trillion, while its market value is $ 295 billion.


- The bank recorded revenues of $ 87 billion and net income of $ 18.23 billion in fiscal year 2017.


10

Credit Agricole "Crédit Agricole"







Credit Agricole is the second largest banking group in France. It was established in 1984 to meet the needs of farmers and encourage agricultural activities in the country, with a market value of $ 87 billion and total assets of $ 2.117 trillion.


- The bank underwent several institutional changes from 1988 to 2001, and in 2003 it took over its biggest rival, Credit Lyonnais, after the latter suffered a major financial problem in the late 1990s.


Credit Agricole is a huge institutional structure that includes three types of banks: local and regional banks, Credit Agricole SA, local and regional banks providing all kinds of financial services to individuals and companies, while Credit Agricole SA is responsible for facilitating communication and transactions Between local and regional banks.

اطلاق تحذيرات جديدة من تعرض " واتساب " للاختراق والتجسس !

اختراق وتجسس واتساب

اختراق واتساب


قال مؤسس تطبيق تلغرام للتواصل الروسي بافل دوروف إن تطبيق واتساب الأكثر انتشارا في العالم، سيبقى مفتوحا لعمليات التجسس، بعدما اضطر التطبيق التابع لشركة فيسبوك إلى إبلاغ مستخدميه أن هواتفهم قد تكون تعرضت لفيروس.

ونشر دوروف، المبرمج الذي ابتكر تطبيق تلغرام لتوفير اتصالات مشفرة بشكل آمن، مدونة في وقت متأخر الأربعاء بعنوان “لماذا لن يكون واتساب آمنا أبدا”.

ويقول دوروف إن واتساب له تاريخ معروف في عدم وجود أي تشفير منذ انشائه، مما أدى إلى سلسلة من المشاكل الأمنية خصوصا في مجال التجسس.

وأبلغ واتساب مستخدميه الذين يزيد عددهم على 1.5 مليار مستخدم حول العالم بضرورة تحديث التطبيق لغلق الثغرة الأمنية. وسمحت تلك الثغرة بإدخال برمجية خبيثة متطورة يمكن استخدمها للتجسس على الصحفيين والنشطاء وغيرهم.

وقال دوروف “في كل مرة يضطر فيها واتساب إلى اصلاح ثغرة حساسة في التطبيق، تظهر ثغرة أخرى”.

واتساب وعلاقته بالسلطات

ولمح إلى أن مكتب التحقيقات الفدرالي (إف بي آي) قد يكون أجبر واتساب أو فيسبوك على إدخال “ثغرات” أو طرق سرية للالتفاف على النظم الأمنية في برمجياته.

وأضاف “لكي يصبح واتساب خدمة تحقق الخصوصية، عليه أن يخاطر بخسارة أسواق كاملة والتصادم مع السلطات في موطنه”.

وأسس الأخوان بافل ونيكولاي دوروف تطبيق تلغرام، وكانا أنشآ في السابق موقع “فيكونتاكتي” للتواصل الذي كان شائعا في روسيا.

وتعرض تطبيق تلغرام مرارا إلى انتقادات من السلطات الروسية بسبب تشفيره القوي، كما حظرت رسميا استخدامه في البلاد.

وبلغ عدد مستخدمي تلغرام مئتي مليون مستخدم، 7% منهم في روسيا، بحسب أرقام أُعلنت في 2018.

وفي مارس/آذار الماضي قال تلغرام إنه اكتسب ثلاثة ملايين مستخدم، خلال 24 ساعة عندما واجه فيسبوك وإنستغرام وواتساب صعوبات فنية.

وفي 2018 أمرت السلطات الروسية شركات تزويد الإنترنت المحلية بحظر تلغرام بعدما رفض التطبيق السماح للسلطات بالدخول على رسائل المستخدمين، غير أن المساعي لإغلاق تلغرام في روسيا فشلت، ولا يزال التطبيق مستخدما.

ويسمح تلغرام للمستخدمين بتبادل الرسائل والملصقات والصور وتسجيلات الفيديو وإنشاء مجموعات تضم ما يصل إلى مئتي ألف شخص.
المصدر: cityplus

Diamond Bracelet



Diamond Bracelet
A bracelet is appropriate for many occasions. Read more about the origin of the tennis bracelet, discover the many models of bracelet and examine the different categories of diamond bracelets in this section. You can also find tips on how to select a frame for your bracelet, measure the correct length and selecting the best diamonds for your bracelet. There are many variations of bracelet styles, including the line / tennis, bracelet, charm, link and cuff. Because your bracelet may come into contact with hard surfaces in everyday life, you should buy high quality bracelets designed to be strong enough to withstand normal wear and tear.

Diamond Antwerp - Diamond Bracelet

Diamond Bracelet

Pearl Bracelet
There are several categories of diamond bracelets for all styles, purposes and people. Take a look at our options to see what could be good for you or your special loved one. Designer diamond bracelets are more luxury than everyday tennis bracelets because of their unique designs. Always suitable for all occasions, these pieces have an additional element that turns them into a unique design. Some designer bracelets are offered in two tone metal, which is a mix of white gold and yellow gold.

For vintage jewelry lovers, this category of antique diamond bracelet is full of timeless designs that combine high quality materials with exquisite and timeless style. Many bracelets in this category feature intricate details that capture the attention or detail of the special border such as the milgrain or filigree surrounding brilliant diamonds.

The collection of men's bracelets includes a variety of models from the simplest to the most daring. The men's bracelet can be worn on both wrists, regardless of a watch. In many cases, men's bracelets are wider than a classic women's tennis bracelet and have a focus on gold or platinum as well as diamonds. The standard length is 8 ", but this can be customized to your needs.

Choosing the quality of diamonds for your bracelet is a very important task and requires keeping in mind two factors: the total carat diamond size and your budget limitations. When it comes to carat size, the larger the diamond (millimeters) and carat weight, the more visible imperfections or coloring will be. If you choose a bracelet that has enough large stones, opt for a "better" to "best" combination of diamond quality. If the bracelet has diamonds of smaller sizes, then "good" to "better" diamond quality should go. Choosing a budget for your bracelet and product configuration allows you to create the perfect diamond bracelet within your budget.

Flexible styles such as the line / tennis bracelet are available in different lengths. Before you buy, measure one of your own bracelets to be sure you do not need a special length. When ordering a line / tennis bracelet, the recommendation is usually the measurement of the natural wrist plus half an inch. With this little space on the wrist, the bracelet will sit comfortably without slipping on your arm. When measuring an existing wristband, you generally do not need to include the bracelet's buckle or tongue portion during the measurement. The standard length for women's soft bracelets is 7 "and the standard for men's bracelets is 8". Wristbands are usually 7 "standard length.

The biggest diamond in the world is exposed in London



The biggest diamond in the world is exposed in London
Having traveled the entire planet after its discovery last year, the stone, called Lesedi La Rona, arrived in London to be exhibited, before being auctioned.

This stone, mined on November 16, 2015 in the Karowe mine in Bostwana, weighs 1,111 carats and is about the size of a tennis ball, an exceptional size for a gemstone.

This stone, never cut, contains according to specialists the biggest diamond ever discovered and raises therefore lively discussions in the world of precious stones.

After being exposed to the four corners of the planet since its discovery, the famous stone will be auctioned by Sotheby's London auction house on June 29th. This date should become historic because it is likely that Lesedi La Rona beat all records in terms of selling price. Case to follow 
The Graff Pink, guest of the jewelery
The Pink Graff is one of the most famous diamonds in history

The Graff Pink is a diamond of exception of 24.78 carats, pink and cut in emerald. Also known around the world as Harry Wintson's pink diamond, the characteristics of this diamond make it one of the purest in history.

The story begins in 1950 when Harry Winston, a famous American jeweler, buys it from an anonymous Indian collector at an auction. As a ring, the stone became for a time the most expensive diamond in the world when the famous merchant Laurence Graff spent $ 46 million to appropriate it.

This stone, certified "Fancy intense Pink" by the famous American laboratory Gemological Institute of America (GIA), is of an extremely rare quality. Indeed, besides its weight, it combines an exceptional purity with a type LLA, proof of its great transparency.

Still the property to date of Laurence Graff, the Graff Pink could be redécoupé to gain purity, as the famous Wittelsbach had been after its passage in the hands of Mr. Graff, always miserly twists. Case to follow 

The pink diamond "Unique Pink" sold at auction

The pink diamond "Unique Pink" sold at auction
The pink diamond "Unique Pink" was sold on May 17 at Sotheby's home for $ 31.6 million (27.8 million euros). Pear-shaped and color "Fancy Vivid Pink", the pink diamond weighs 15.4 carats.

Pink diamonds have sales on the sidelines
This sale is in addition to "Pink Star" and "Graff Pink" on the podium of the most expensive pink diamonds in history. Each year, the renowned GIA (Gemological Institute of America) laboratory evaluates diamonds, less than 5% of which are pink. Among these, extremely rare are those who can have the hue certified "Fancy Vivid", the highest saturation.
Diamonds in a battery?
Who said that diamonds only dream women and only work in the world of diamond jewelery? Scientists are also very interested in these times. Indeed, the University of Bristol has developed, at the experimental level, a diamond capable of producing energy. What turn a diamond into a battery with inexhaustible life.

Without going into too technical details, the idea seems very interesting from every point of view. The principle is to use radioactive gases, from nuclear waste, to turn them into an artificial diamond. We know that this material is one of the purest so one of the strongest that can be made. The radioactive material must then be placed inside the diamond thus formed so that it produces energy. And here is a diamond transformed not in a diamond jewel but in battery.

Where this principle is revolutionary is that it allows the use of nuclear waste by imprisoning them in a material that does not let the radioactivity spin, so perfectly without fear for man. In addition, depending on the particles used, it can reach an autonomy of several thousand years. The craziest dreams of science fiction can become reality with the control of an energy certainly still expensive to produce but inexhaustible later.

The precious mystery of "The Star of the East"



The precious mystery of "The Star of the East"
 The Star of the East, also a star of 94.80 carats diamond jewelery, differs from other diamond jewelry by its completely unknown origins. The jewel would probably have been carved in a diamond from one of the 5 sets of mines on the Deccan Plateau, which extends into southern and central India.

A royal jewel
This D-colored diamond whose scale of purity is unknown, was one of the pieces of the collection of gems of the Sultan of the Ottoman Empire Abdul Hamid II, before being awarded to Pierre Cartier, then acquired by Evalyn Walsh MacLean, wife of the publisher of The Washington Post of that time. The grande dame wore the jewel until her death, which occurred around 1948. The American jeweler Harry Winston then bought the diamond. The jewel was so coveted by King Farouk of Egypt that he took possession of it without having paid the value in return for the jeweler. He was able to recover his jewel in 1952, following a complaint filed with the Egyptian government. The American jeweler is the last known owner of "The Star of the East".

The star of the pendants
"The Star of the East" is a pear-shaped diamond, ideal to be mounted as a pendant at the end of a falling ornament. The jewel is usually mounted after another gem of dark color, usually emerald. This design brings out the clarity of the diamond and offers a particular elegance to the jewel
Venus: When Graff Jewelry Draws Hearts
A heart like no other
For this diamond heart, cut in an exceptional diamond of 357 carats, it took the expertise of the best craftsmen of the prestigious jewelery diamond Graff. This prestigious house was able to extract a monumental stone of 357 carats Venus and 22 other stones of more than 10 carats. This heart that holds in the palm of a hand was born in jewelry workshops located in London. No doubt this birth has delighted the happy owners of this unique diamond.

A heavy and light heart at a time
With these 118, 78 carats, Venus is the champion of its heart diamond category. Its slender waist, which required 18 months of hard work to unveil a pure form, with facets perfectly carved to offer a unique shimmer. The current owner of this stone admits that she "will lose a part of her heart" when selling this cut stone the largest in the world.

A jewel to design?
If diamond jewelry is usually mounted rings, pendants, earrings, it will be necessary to think of a unique adornment for Venus. Its exceptional size and shape are not suitable for simple jewelry. It will appeal to particularly bold creators to draw and design the jewel that will welcome the heart of Venus within it. For those who wear it, it will be a real "heart stroke".

 The Diamond Pumpkin: One of the largest orange diamonds in the world
An extraordinary diamond
Although it looks very little like a pumpkin except by its color, the Pumpkin has awakened and fueled the lust of very wealthy buyers. it was sold for a modest $ 1.32 million at a sale in 1997. This 5.54 carat diamond knows only a few competitors in its category. It owes its somewhat original nickname to its rounded shape and its flaming orange. Raised in a ring, this unusual stone makes all other jewels dull.

Orange or pumpkin: their color is exceptional
Orange or "vivid" diamonds are extremely rare. That's why their selling price reaches new heights like the last sold at Christie's in Geneva. The anonymous buyer left with his stone of nearly 165 carats under the applause of the public. To mount it in diamond ring, it will crimp with particularly strong claws.

Diamond jewelry: opt for shimmer
Whether mounted on a ring, a pendant, or earrings, the diamond is always adorned with a thousand lights to make the wearer shine. It is a unique stone that accompanies you in every stage of your life. Offered during a milestone event, it remains the sign of an alliance, an unwavering bond like this stone that never tarnishes.

Canada: 37 ct. Diamond Increases Stornoway Prices



Canada: 37 ct. Diamond Increases Stornoway Prices
Stornoway Diamond Corporation saw a sharp rise in prices in the first quarter, due to a resurgent market and the sale of its most expensive stone to date.

The miner achieved an average price of $ 112 per carat for the three-month period ending March 31 and sold 399,135 carats for a total of $ 44.8 million ($ 56.4 million Canadian). A 37-carat, Type IIa, D-colored, internally flawless stone, collected $ 1.3 million, or $ 36,000 per carat - the highest price for a diamond from its Renard mine, in Quebec.

"The first quarter posted strong sales and price performance for Stornoway, with prices rising steadily for each of our three sales, reflecting improved mix of size and quality and a good start to the year. year for the diamond market, "said CEO Matt Manson. "The quarter also saw the sale of our highest value stone to date. "
While this year's average price has increased from the $ 85 per carat earned in 2017, Stornoway is still meeting its target of $ 125 to $ 165 per carat in 2018.

Stornoway's production of 285,851 carats for the quarter was below expectations as the company processed lower grade ores from open pit to underground mining. It expects this change to be completed by the end of the second quarter.

In 2017, the Canadian company recorded a loss of $ 88.8 million (C $ 114.6 million) after being forced to devalue Renard and, as a result, an impairment loss of $ 132.6 million ( 171 million Canadian dollars). The decline in asset value was due to poor quality stone production.

At the end of the first quarter, Stornoway found a 189-carat stone - its largest to date - from Renard. Although the stone is of relatively low quality, it is one of the largest diamonds ever recovered in Canada.

HIGH JEWELRY AUCTION



HIGH JEWELRY AUCTION
in recent days two sumptuous colored diamonds have been auctioned in Geneva in two competing houses: Christie's and Sotheby's.

Bright pink diamond
A gorgeous 15.38 carat pink or "Fancy vivid Pink" pear-shaped diamond was auctioned at Sotheby's on May 9, 2016. This color is highly sought after for a pink diamond. It was sold at a record $ 31.56 million by an Asian buyer. This "exceptional" ring-shaped diamond was originally discovered in a South African mine and subsequently cut by Cora International.
Oppenheimer Blue Diamond
This gorgeous 14.62-carat blue-colored or "Fancy vivid Blue" diamond was sold for a record $ 57.54 million on May 12, 2016 as part of the Christie's sale. This color tone is very rare and sought after for blue colored diamonds. This exceptional diamond was found in the prime mine in South Africa. He belonged to the famous London diamond dealer Sir Philip Oppenheimer who worked for De Beers
Colored diamonds as investment stones!
Colored diamonds become real luxury goods! More and more rare and therefore, more and more sought after, these diamonds have their market value reach astronomical sums. As a result, they are gradually becoming sources of investment in the same way as art. Indeed, these exceptional stones seem to be gaining value over the years, which interests more and more investors 

INVESTISSEMENT DIAMANT : LES PRÉCAUTIONS À PRENDRE
Before buying a diamond, it is important to learn about the criteria that make a diamond a good investment and learn the precautions to take to avoid being fooled!
Quality criteria of a diamond
First of all, you should know that the value of a diamond is measured on the basis of 4 criteria: the weight, in carats; the purity ; the color and finally the quality of size (proportions / polishing / symmetry). In addition to these fundamental characteristics, it is important to also consider fluorescence. It is all of these criteria that will establish the value of your diamond!

So that you can better understand each of these parameters and their importance, we will briefly detail them, to guide you in your investment project:

- Weight, in carat: The weight of a diamond is measured in carats. For information, a carat weighs 0.20g. The ideal weight for an investment diamond is 1 carat or more.

- Purity: The purity of a diamond depends on the number, position and size of the inclusions present in the stone. More inclusions are many and bulky and less valuable stone.
You will find below, the scale of measurement of the purity of a diamond
For an investment stone, we advise you to position yourself on a stone between IF and VVS2 included.

- Color: The color of a diamond varies from bluish white to yellowish. For an investment stone, it is best to choose a stone whose color is between D and F.
D: exceptional white +
E: Exceptional white
F: Extra white +
G: Extra white
H: White
I - J: nuanced white
K - L: Slightly tinted
M to Z: Tinted

- Shapes: The most sought after diamond shape for an investment diamond is the "brilliant" size. This size is more expensive than the so-called "fancy" sizes: pear, marquise, cushion, oval, emerald ...

- Size quality (proportions / polishing / symmetry): For these criteria, choose a diamond at least 3 times "very good" or ideally 3 times "excellent". It should be known that if a diamond has a quality of size "good" or "fair" then the diamond loses value and is worth 20 to 25% less.

- The fluorescence of a diamond: Regarding the degree of fluorescence, prefer a diamond with a fluo null (none) or light (slight / faint). For information, a diamond with a fluorescence "medium" or "strong" is worth 15% to 20% less.

If we take the example of a diamond of 1.20 carat E VVSI with Proportions, a Polishing, a Symmetry bad and a strong Fluorescence, this diamond can be worth up to 50% less than another diamond of 1.20 carat E VVS1, all characteristics of which are Excellent or Very Good and without fluorescence.

It is therefore important not to be fooled by the price of a diamond because its price is established according to the gradation of each quality criterion.

Buy a diamond safely
Before buying a diamond, the dealer must show you the certificate of authenticity of the stone in question so that you can view all the criteria mentioned above. Make sure the diamond is certified by one of the following three labs: GIA, HRD or IGI. In addition, to avoid any type of fraud, it is necessary to have the stone engraved and sealed by the laboratory. This ensures that your diamond conforms to the certificate that was previously shown! All this information will help you buy safely!

You can also see the diamond price by consulting the Rapaport index which averages the prices on the Diamond Stock Exchanges and thus determines the price of the diamond in tax-free dollars. This course allows you to know the exact value of your diamond.

THE RING OF FIANÇAILLES



THE RING OF FIANÇAILLES

to offer a jewel to the person we love is a tradition that has existed and has been perpetuated since time immemorial. In this regard, the engagement ring symbolizes the desire for union between two people who wish to engage with each other. This jewel is offered by the bridegroom to his beloved as a token of love and a promise of a future for two.

The engagement ring has a story! It is carried on the ring finger of the left hand for the good reason that at the time of Greek and Egyptian Antiquity, the ancients believed that this finger was the only one to possess a vein directly connected to the heart, which was called the "vein of love".

The diamond: A symbol of eternity
A ring adorned with a diamond symbolizes the desire for an eternal union. This gemstone is most often used for an engagement ring. Due to its unique characteristics and the solidity of the stone, this unalterable gem becomes the symbol of a timeless love.

engagement ring in a jewelery box diamond gems
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The colored stones: ruby, sapphire, emerald, are also very popular for engagement. These are also loaded with symbolism, because of the color they hold.

Ring "You and Me"
The ring "You and Me" is characterized by its two interlaced stones. This lovely model can be mounted with precious or semi precious stones. This ring is very popular for engagement because of the symbolism it conveys.

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old cut diamond
JEWELS & FASHION
WHAT TO DO WITH A JEWEL RECEIVED IN HERITAGE?
Chopard "You and Me" ring
Chopard "You and Me" Ring
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This style became popular at the time of Napoleon Bonaparte when he offered Josephine Beauharnais a lovely engagement ring "You and Me". It consisted of a sapphire and a diamond, cut in pear. This model was fashionable in the late nineteenth and early twentieth century. Nowadays, this ring is very popular for any type of occasion: engagement, birthday or special occasion.

ring you and me offered to Josepheine by Napoleon
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Diamant-Gems realizes your engagement ring and diamond solitaire to make your request an exceptional moment! Do not hesitate to consult our range of diamond rings or to contact us for any particular request. Our tailor-made jewelery service is at your disposal to create your jewel project.

Second diamond polishing plant to open in Angola, says Sodiam CEO


Second diamond polishing plant to open in Angola, says Sodiam CEO
The director of the Angolan diamond trading company Sodiam said a diamond cutting and polishing plant should be established in Saurimo in February.

Neves Silva, Sodiam's CEO, said the plant, which is part of the company's strategic plan for 2018-2022, will initially be able to process 4,000 carats of rough diamonds a month, according to a report on Macauweb .

The plant, which is estimated to cost $ 10 million, will start operating in August and will have more capacity than Angola Polishing Diamonds, the country's only polishing plant at the moment.

In addition to the plant, the construction of an industrial development center on an initial area of ​​five hectares, will also include a training center, a hotel owned by the national diamond exploration company Endiama, and other services such as banks and a tax office.

Neves Silva said the new plant is part of a partnership between Sodiam and the Chinese companies Cbritec and Perfect Wealth Ltd, and will be built near Sociedade Mineira da Catoca.
Diamcor Third Quarter Final Call: $ 195.66 Avg. Price per carat

Diamcor Mining Inc. sold 1,905 carats of rough stones from its project

Krone-Endora in Venetia for $ 303,138.39, for an average price of $ 158.60 per carat.

The company bid on 2,256 carats of rough diamonds; the remaining 351 carats will be delivered along with other rough diamonds delivered by the company in January.

Total rough diamonds offered and sold in the third quarter of the year was 7,1621 carats, for gross proceeds of $ 1.4 million, resulting in an average price of $ 195.66 carat for the period.

This represents a 64% increase in recovered carats and a 62% increase in realized revenues compared to recoveries of 4,353.91 carats and revenues of $ 864,546 for the same period last year.
Lucapa Diamond Company Limited has declared an $ 8 million distribution and a loan repayment.

Of this $ 8 million, half will be distributed to partners of the Lulo mine in Angola, with Lucapa receiving $ 1.6 million, which corresponds to its 40% stake. The remaining $ 4 million will be a loan repayment to Lucapa.

The $ 8 million payment will come from the cash reserves of SML, the group that operates the Lulo alluvial diamond mine, of which Lucapa is a member.

Lucapa said Lulo produces the world's highest alluvial production per carat. The diamond mine has been producing diamonds for commercial purposes since 2015 and employs 390 workers and contractors, 87% of whom are Angolan nationals.
SML's latest statement follows the repayment of an $ 8 million loan and the distribution declared to Lucapa and its partners in March 2017, and this is the third year in a row that a distribution has been made by Lulo .

Gemfields discovers 5,655 carat emerald at Kagem mine in Zambia



Gemfields discovers 5,655 carat emerald at Kagem mine in Zambia

Gemfields said it has discovered an emerald crystal of 5,655 carats which it says has "a remarkable clarity and a perfectly balanced golden green tint" which he called "Inkalamu", the Emerald Lion.

Inkalamu was discovered in Kagem, the world's largest emerald mine, owned 75 percent by Gemfields and 25 percent owned by Zambia's government-owned Industrial Development Corporation of Zambia.

"The discovery of this exceptional gemstone is such an important moment for us and for the emerald world in general," commented Elena Basaglia, gemologist for Gemfields in London.

"We are witnessing a dramatic increase in the demand for high quality Zambian emeralds from major brands, especially in Europe, who all admire the rich colors and unique transparency of our precious stones - qualities that make them unique. unique among emeralds, "she says. "It is difficult to estimate the number of precious stones that will be carved from Inkalamu, but the valuable expertise of Gemfields partners will allow this gem to make its mark in the history of exceptional gemstones. The offspring of this lion - 'The pride of Inkalamu' so to speak - will continue the legacy for generations to come! "

Inkalamu was discovered in the eastern part of Kagem's largest open-pit mine on October 2, 2018 by geologist Debapriya Rakshit and emerald miner Richard Kapeta, who has more than a decade of operational experience Zambian emeralds for Gemfields. This area of ​​the mine has been particularly fertile in recent months as Kagem's team recovered several important crystals, but none of the size, color and clarity of the Emerald Lion, said the miner. .

Gemfields chose the name 'Inkalamu' (which means' lion 'in the local Bemba language) in honor of the work done by two of Gemfields' conservation partners, the Zambian Carnivore Program (www.zambiancarnivores.org) and the Niassa Carnivore Project in Mozambique (www.niassalion.org). These partners work tirelessly to facilitate relationships between African carnivores and local communities in vast, remote and difficult areas. The health of carnivores, which are at the top of the food chain, is widely regarded as a good indicator of the health of the wider ecosystem.

Gemfields has three-year philanthropic sponsorships with each organization to assist them in wildlife conservation, promote community development and tackle the problem of poaching by developing alternative livelihoods. In addition, Gemfields will distribute equally between the two carnivorous initiatives 10% of the proceeds of the auction of Inkalamu.

The Emerald Lion will go on sale at the upcoming Gemfields auction in Singapore in November to about 45 approved partners, chosen by Gemfields for their shared values ​​of responsible practices, the company said. Unlike the diamond industry, the price of exceptionally large emeralds like Inkalamu is particularly difficult to predict.

"We expect a number of high quality, high quality emeralds to be carried by Inkalamu Crystal," said Adrian Banks, Gemfields' General Manager for Products and Sales. "These important pieces are what bring value to the buyer, and there may be hundreds of falls that are turned into smaller gemstones, cabochons and pearls, but the key lies in the recovery of the beautiful, quality pieces . Since this emerald is such a rare find, it is also perfectly conceivable that the buyer chooses to buy it as an investment. "

The miner added that the Emerald Lion will benefit from the "Provenance Proof" nanotechnology from the Gübelin Gem Lab, in which nanometric particles coded with the original mine will identify the place of origin of the gemstone for decades to come up.

Jewelery and watch sales in the United States rose sharply in August



Jewelery and watch sales in the United States rose sharply in August

Sales of fine jewelery and watches increased by 8.9% in the US market in August, compared to the same month last year.

Overall sales in August, the latest month for which figures are available, were estimated at $ 6.1 billion, according to preliminary data from the US Department of Commerce.
US labor markets are tight, resulting in wage increases for workers in many sectors and regions, while stock market fluctuations have little influence on consumer confidence.

And as the holiday season is fast approaching, economic conditions are fortuitous for retail sales, which should post good gains over last year.

In the third quarter, gross domestic product exceeded 3%, after an impressive 4.2% increase in the previous quarter.

Consumer spending is a vital part of the US economy, accounting for more than two-thirds of US economic activity.

The most expensive types of jewelry in the world

The most expensive types of jewelry in the world

The most expensive types of jewelry in the world
The most expensive types of jewelry in the world

Jewelry has played a pivotal role in the culture for thousands of years. Used by ancient ancient
civilizations to the modern population today, during that time some of the most popular and luxurious stones were moved from one person to another by gift or sold for large sums of money. The following list of the 10 most expensive objects Jewelry in the world is taken with cuts ranging from pink diamond rings to peacock pins that are decorated with kings, queens, princes and even modern socialists.

Contents
Chopard watch $ 25 million
The Hutton necklace is $ 27.4 million
Pink diamonds $ 46.2 million
The Blue Moon shone $ 48.4 million
Muawad Almasi held $ 55 million
The Blue Oppenheimer's blue diamond is $ 57.5 million
The Pink Star is $ 71.2 million
The diamond jewel of Vittelsbach is $ 80 million
Diamond peacock brooch $ 100 million
Diamond jewel of Henry Hop from $ 200 to $ 250 million
Chopard watch $ 25 million


Chopard's exquisite watch features 874 stunning diamonds, the three largest heart-shaped diamonds, ranging from pink to blue to white, set apart to reveal the clock face beneath it. This watch is the most expensive watch in the world.


How to buy diamonds?


The Hutton necklace is $ 27.4 million


The necklace is made of emerald green with diamonds, platinum and gold pieces. The necklace was sold at the auction of 2014 for $ 27.4 million for the Cartier Group. The necklace was owned by Barbara Hutton and Princess Nina Medevani.

Pink diamonds $ 46.2 million


In 2010, this spectacular 24.78 carat diamond was sold at $ 46.2 to jeweler Lawrence Graf. The diamond was originally owned by Harry Winston and remained in his own collection for decades, but Graf renamed it when he bought it .

The Blue Moon shone $ 48.4 million


In 2015, Joseph Lau bought the diamond ring in a $ 48.4 million auction to be renamed Blue Moon by Josephine, in comparison to his 7-year-old daughter, Josephine.

Muawad Almasi held $ 55 million


The most valuable contract in the world created by Jeweler Moawad is the world's largest and flawless diamond. In this decade, large diamond pieces are attached to a series of pink gold decorated with 230 carats of smaller diamonds.

The Blue Oppenheimer's blue diamond is $ 57.5 million


These blue diamonds shocked the crowd when they brought in $ 57.5 million at the Christie auction in May 2016. At that time, the stones formerly owned by Sir Philip Oppenheimer were the most expensive gem to be auctioned.

The Pink Star is $ 71.2 million


In early April 2017 this rosy star brought $ 71.2 million in an auction, making it the most expensive gem to be sold at auction. The pink star was purchased only five minutes after bidding by the Hong Kong company Tai Fook. This diamond is known as 59.6 Carat, the largest diamond of innovative pink diamonds that is flawless.

The diamond jewel of Vittelsbach is $ 80 million


Discovered in an Indian mine in the seventeenth century, it is rumored that this 35.56 carat was owned by King Philip IV of Spain and was part of his daughter Magarita Teresa when she was associated with Emperor Leopold I. The jewel has been part of the Austrian crown jewels for centuries, Jeweler Laurence Graf bought Vittelsbach Diamond in 2008 for $ 22 million. It was controversial to rediscover his current condition. The diamond is inspired by a 31.06 carat dark blue diamond. The recycling process has improved the jewel's clarity and brilliance. A tremendously, and in 2011 it was sold this diamond for more than $ 80 million to the current owner, a Qatari royal family member.

Diamond peacock brooch $ 100 million


It was unveiled in 2013 at the Tifaf Art and Luxury Art Exhibition in the Netherlands, a 20.02 carat pear-shaped light blue diamond with a value of $ 100 million, made of white, yellow, pink, orange and green diamonds.

Diamond jewel of Henry Hop from $ 200 to $ 250 million


This diamond is one of the most famous jewelry in the world, consisting of 45.42 carats of light gray and dark blue diamonds as well as antique diamonds that are approximately $ 200 to $ 250 million. This diamond was originally purchased by King Louis XIV in 1668 It was called the French Blue. The diamonds remained in the possession of the French royal family until 1792, when they were stolen during the French Revolution. The jewel reappeared in 1839 in the catalog of Henry Philippe Hoop's gemstone collection.

How to buy diamonds?

💎  How to buy diamonds?

How to buy diamonds?
How to buy diamonds?

How to buy diamonds (diamond)?!
Do you worry about not being experienced? 😰😊

Many people hesitate to buy diamonds (# Almaz) as a result of their lack of experience in details, unlike gold, which knows the details of most buyers
The diamond has several factors to determine its price and work is not common in all wording, in the sense that there are specialists in the # jewelry are only those who have sufficient knowledge in this area.
We will try to explain the details of diamonds in the simplest ways and shortened the basic rules only in four words!
They are as follows:
(Color - purity - cutting - carat)
If you can understand the details of the four words, it will be easy for you to choose and buy diamonds with complete confidence.

• #the color
The color of diamonds is one of the most important specifications, since color is the most characteristic of the human eye. There is a great diversity in the color of diamonds, either it is completely colorless or the color ranges between yellow, silver or brown gradients. It is also possible to find rare colors such as blue and pink Red, green, yellow, brown and even black. The most rare color in nature is red followed by green, blue, purple and then brown
Colored diamonds are characterized by their high value due to their scarcity, especially if the color is clear. The colorless diamonds are the most valuable and most common in nature. They range from light yellow to clear yellow.
The highest degree of color is (D) true and the stone is completely colorless
And the lowest grade is (S-Z) and tends to stone color to yellowing and the more yellow the stone the less its value and price.


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• # purity
Marks occurring during the formation of diamonds in the ground are called impurities
Purity is the expression that determines the degree to which the gem is free of these natural impurities
Therefore, a classification of purity based on determining the number and size of impurities in the diamond stone has been adopted if the gem is magnified tenfold
The degree (IF) means that it has no impurities and is the highest purity
Grade (I3) means that the stone has a lot of impurity and is the least purity
These impurities are the hallmarks of nature that make each gem unique so the smaller the number, the more precious the gem becomes.

• # pieces
Cutting is the only factor that humans directly affect while the other three are made by nature
The diamond cutting method radically affects the intensity of its luster and gloss
The diamonds are cut in different shapes, including the Marquis, the paget, the pear, the oval, the emerald, the traditional ring
The beauty of the jewel and the extent of its luster and light reflection depends on the skill and the skill of the polishing. The jewel reaches the desired maximum when the angles and angles are accurately calculated at the cutting, where the value of the bad room pieces is different from that of good.

• # Carats
Diamonds are weighed in carats
It is a scale used to measure gemstone, diamond and pearl blocks
One carat equals 0.20 grams
In other words (5 carats = 1 gram) the carat is divided into tens and hundreds of parts
The price of a carat varies according to the weight of the diamond and the larger the size, the higher the value
The total price of two pieces of diamonds, each of which is half a carat less than one piece, is equal to one full carat in the same condition as the color, purity and quality of the pieces.
This is due to the scarcity of large diamond cut.

The price of the diamond stone is evaluated based on the details of each
"Color - purity - cutting - carat"

After describing this simplified explanation of the four basic rules of diamonds recognized
It remains from my point of view (the fifth rule) is the most important value when buying the customer for diamonds, namely:
(((# Trader_man)))
The customer must purchase diamonds from a merchant with a reputation and integrity known for years and based on the experiences of relatives or friends, whether in the case of sale or purchase, as a result of the process of calculating the price of the piece of diamonds and all its details lies in the experience of the merchant and his secretariat in the presentation of the exact specifications on the client, Selling or buying
There are many respected diamond dealers in Egypt who have been known for their integrity and respect for many years. They have engraved the names of their stores in the hearts of customers, their children and their grandchildren for their intense safety during transactions, either selling or buying.
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نتيجة اللوتري 2020| هنا الاستعلام عن نتيجة القرعة العشوائية


نتيجة اللوتري 2020| هنا الاستعلام عن نتيجة القرعة العشوائية للهجرة إلى أمريكا 2020 DV Lottery -الجرين كارد- قريبا

خلال الأيام القليلة القادمة يترقب الكثير من المصريين قيام وزارة الخارجية الأمريكية بالإعلان عن أسماء المقبولين في الهجرة العشوائية إلى الولايات المتحدة الأمريكية لعام 2020 والمعروفة باسم الجرين كارد أو اللوتري الأمريكي 2020، حيث يعتبر حلم السفر إلى الولايات المتحدة الأمريكية حلم يراود الكثير من الشباب المصري بل والشباب العربي أجمع، حيث الجميع يمني النفس بالسفر إلى بلاد العم سام، والحصول على فرصة عمل جيده، وذلك لأن السفر عن طريق اللوتري أو الهجرة العشوائية له الكثير من المميزات التي لا توجد في هجرة أخرى.

الهجرة العشوائية لأمريكا 2020

كانت وزارة الخارجية الأمريكية أعلنت في بداية شهر أكتوبر الماضي عن فتح باب التقديم في الجرين كارد أو الهجرة العشوائية للولايات المتحدة الأمريكية واستمر التقديم حتى بداية شهر نوفمبر 2019، وكان الوزارة قد أعلنت عن عدد الذين سيتم اختيارهم للهجرة لعام 2020 والبالغ عددهم 50 ألف متقدم من جميع بلدان العالم، ولكن هناك بعض الدول التي لا يمنح لها حق التأشيرت والسفر لأمريكا مثل باكستان وإيران وبعض الدول الأخرى.

اقرأ أيضا...

رابط نتيجة اللوتري الأمريكي 2020 lottery usa جرين كارد dvlottery.state.gov| نتائج الهجرة العشوائية الى امريكاظهور نتائج قرعة الهجرة إلى أمريكا 2019-2020 اليوم| فيديو شرح طريقة الاستعلام عن نتيجة قرعة الهجرة إلى امريكا| رابط نتيجة اللوتري الجرين كارد هذا العامظهور نتائج قرعة الهجرة إلى أمريكا 2019-2020 اليوم| فيديو شرح طريقة الاستعلام عن نتيجة قرعة الهجرة إلى امريكا| رابط نتيجة اللوتري الجرين كارد هذا العامرابط نتائج قرعة الهجرة إلى أمريكا 2019-2020 اليوم| فيديو شرح طريقة الاستعلام عن نتيجة قرعة الهجرة إلى امريكا| رابط نتيجة اللوتري الجرين كارد هذا العام الآن

نتيجة اللوتري 2020

أعلنت وزارة الخارجية الأمريكية أن نتيجة الهجرة العشوائية للولايات المتحدة الأمريكية لعام 2020 سوف يتم الإعلان عنها خلال الأيام القليلة القادمة وبالتحديد 10 مايو 2019، وأكدت الوزارة أنه يمكن لجميع المتقدمين الاستعلام عن نتائج اللوتري 2020 من خلال موقع وزارة الخارجية الأمريكية من هنا، حيث يقوم المتقدم بالدخول على الموقع وكتابة الرقم الخاص به والذي حصل عليه أثناء التقديم.
يمكن قراءه ايضا
يمكنك مشاهدة مصدر الخبر الاصلي من الرابط التالي وهو هناويخلي موقع إقرا نيوز عن مسؤوليته الكاملة عن اي محتوي اي خبر وانما تقع المسؤولية على الناشر الاصلي للخبر



ستستمر فترة التسجيل عبر الإنترنت لبرنامج DV-2020 من الظهر ، بالتوقيت الشرقي (EDT) (بتوقيت جرينتش -4) ، الأربعاء ، 3 أكتوبر 2018 ، ظهرًا ، بالتوقيت الشرقي الرسمي (بتوقيت جرينتش -5) ، الثلاثاء ، 6 نوفمبر 2018.

يتعين على المتقدمين تقديم إدخالات لبرنامج DV-2020 إلكترونيًا على dvlottery.state.gov. لا توجد تكلفة للتسجيل في برنامج DV. لا تنتظر حتى الأسبوع الأخير من فترة التسجيل للدخول ، لأن الطلب الكبير قد يؤدي إلى تأخير الموقع. لن يتم قبول المشاركات المتأخرة أو الإدخالات الورقية. يسمح القانون بالدخول مرة واحدة فقط لكل فرد أو لكل شخص خلال كل فترة تسجيل. تستخدم وزارة الخارجية تقنية متطورة للكشف عن إدخالات متعددة. سيتم استبعاد الأفراد الذين لديهم أكثر من مشاركة واحدة. يرجى الاحتفاظ بشاشة التأكيد المطبوعة التي تحتوي على اسمك ورقم تأكيد فريد لسجلاتك.

بدءًا من 7 مايو 2019 ، ستكون نتائج برنامج يانصيب تأشيرة DV-2020 متاحة عبر الإنترنت. ستكون قادرًا على التحقق من حالة دخولك من خلال التحقق من حالة الدخول على موقع E-DV على https://dvlottery.state.gov/ باستخدام رقم التأكيد الفريد والمعلومات الشخصية الخاصة بك. ستكون هي الطريقة الوحيدة للتحقق مما إذا كان قد تم اختيار الإدخال الخاص بك. إذا فقدت رقم التأكيد الخاص بك ، فهناك أداة خاصة لاستعادته متوفرة على موقع الويب E-DV. إذا تم تحديد الإدخال الخاص بك ، فسيتم توجيهك إلى صفحة التأكيد التي توفر مزيدًا من التعليمات ، بما في ذلك المعلومات المتعلقة بالرسوم المرتبطة بالهجرة إلى الولايات المتحدة. إذا تم اختيارك ، فنحن نشجعك على إكمال طلبات تأشيرة DS-260 قريبًا. ستقوم السفارة بمعالجة حالات يانصيب تأشيرة DV-2020 التي تبدأ من 1 أكتوبر 2019 حتى 30 سبتمبر 2020.

تتوفر تعليمات لبرنامج يانصيب تأشيرة DV-2020 على الموقع الإلكتروني لوزارة الخارجية.

يرجى مشاهدة الفيديو الخاص بنا للحصول على مقدمة لبرنامج تأشيرة التنوع ، وإرشادات خطوة بخطوة لمساعدتك في إرسال إدخال. (ملاحظة: تم إجراء تغييرات طفيفة على نموذج إدخال DV-2019 ، ولكن التعليمات الواردة في الفيديو لا تزال سارية.)

برنامج DV-2019

انتهى التسجيل عبر الإنترنت لبرنامج DV-2019 في 22 نوفمبر 2017. تم إرسال نماذج تأشيرة الدخول إلى التنوع الإلكتروني عبر الإنترنت على الموقع https://www.dvlottery.state.gov/. من المهم للغاية أن تحتفظ بصفحة التأكيد ورقم التأكيد.
يمكنك التحقق من حالة الإدخال الخاص بك على http://www.dvlottery.state.gov/ ، من خلال النقر على "حالة الدخول" تحقق وإدخال رقم التأكيد الفريد والمعلومات الشخصية الخاصة بك. التحقق من حالة الوافد هو الوسيلة الوحيدة لإبلاغك باختيارك لـ DV-2019 ، وتقديم إرشادات حول كيفية المضي قدمًا في طلبك ، وإخطارك بموعدك لإجراء مقابلة تأشيرة هجرة.
ستبدأ السفارة بمعالجة حالات يانصيب تأشيرة DV-2019 وإصدار تأشيرات هجرة للمتقدمين المؤهلين يوم الاثنين 1 أكتوبر 2018.

يرجى ملاحظة أن الفوز بقرص DV لا يعني الحصول على تأشيرة هجرة أو بطاقة خضراء. يتعين على المتقدمين للحصول على تأشيرة الدخول (DV) تلبية جميع المتطلبات لكل من تأشيرة DV Lottery وتأشيرة الهجرة الأمريكية لتكون مؤهلة للحصول عليها.

دخول اليانصيب الإلكتروني في برنامج DV السنوي مجاني (لا توجد رسوم). لدخول يانصيب DV ، يجب أن تكون من مواطني إحدى الدول المدرجة في قائمة وزارة الخارجية. الأشخاص الذين ولدوا في ليتوانيا مؤهلون للحصول على برامج DV-2019 و 2020.

Stock Exchange and how it works

Stock Exchange and how it works

Stock Exchange and how it works
Stock Exchange and how it works

The Stock Exchange is a stock market that collects, issues, and trades stocks, bonds and other securities, allowing companies to support their capital by giving investors part of their ownership. [1] The exchange is defined as markets that include exchanges of securities [2] Another definition of stock exchange is that it is an
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activity that depends on the purchase and sale of shares within a specific general price level of each day. [3] How the Stock Exchange Works Stock Exchange (Securities) N by dividing the market into two types; the two main market and secondary market. The main market is selling new securities for the first time through the implementation of a series of IPO offers. Founders often acquire most of the securities. In the secondary market, all subsequent transactions are carried out and many investors are involved in the market. [1] The stock exchange usually conducts private trading in stock companies through a combination of exchanges between sellers and buyers; stocks traded are listed and can be implemented electronically, including There are two processes: the purchase and sale of shares and all securities. [1] The purchase of securities (shares) that increase or fall in prices, and these are encouraging reasons for many investors to buy a group of them in most professional sectors, called this thing called diversification, From the purchase of diversified stocks is to get money by dealing with the shares of companies that are expected to make good profits, leading to a rise in the price of its shares, while the sale of securities (shares) is a deal between the seller and the buyer; Sellers seek (4) The benefits of investing in the stock exchange The investment in the stock exchange offers a range of benefits to individuals and enterprises. These benefits are summarized according to the following points: [5] ] Benefit from the growth of the economy and the profits of enterprises: Because growth in the economic sector contributes to the production of income, which leads to the strengthening of demand for products, resulting in an increase in the value of private cash revenues in companies. Easy to buy: Any investor can buy securities and stocks in an easy way by having a broker or financial analyst, or by relying on the Internet. This is the behavior of the majority of investors who aspire to profit from the profits of companies whose stock prices are growing over time. Many investors prefer to get money by buying shares of companies that offer them financial profits because they achieve moderate growth. Easy to sell: If the investor needs money, it is possible to sell some of his shares at any time, but as a result of the volatility of securities prices may show the risk of bearing the loss due to this sale. The disadvantages of investing in the stock exchange The investment in the stock exchange sometimes leads to the emergence of a set of negatives, and the following information about them: [5] Loss of the entire investment: It is possible that the investor will lose its full investment in the event of losing the company and decreased prices of its shares, and decided the rest of investors to sell their shares, To the loss of all the initial investment of each investor, resulting in the loss of all the money in the savings or inventory. The need for a lot of time: the investment in the stock exchange takes a long time to choose between enterprises, and determine the ability of each of them to achieve profits; through the follow-up of annual reports and financial statements and developments in companies, in order to obtain the best investment price to participate in the market Money bills. The emergence of fluctuations in stock prices: The stock market faces a significant variation in the prices of shares and all other securities, which affects the decisions of individuals in buying and selling. The emergence of competition: New investors face competition with professional investors or traders who have the time to invest, unlike individual investors who need to know how to gain this advantage. Market Conditions The success of the stock market in the investment process depends on the existence of a set of conditions, the most important of which are: [6] Volume: a prerequisite for the stock exchange; as it contains many companies contributed to the increase in the total value of shares traded, Diversification of risk, lack of focus on a limited number of securities. Liquidity: The possibility of obtaining money through securities, and when the size of the stock market is large, the liquidity ratio is high in the market. Transparency: The ability of the stock market to provide appropriate information continuously about the companies in them and all movements that involve buying and selling to investors, and this leads to the reduction of manipulation of financial information, or a group of investors financial data before others. Stability: The ability of the stock market to be unaffected by sharp price fluctuations due to illogical expectations, and the impact of rumors on securities prices, which lead to their rise or fall,
This results in an increase in the value of private cash receipts in companies. Easy to buy: Any investor can buy securities and stocks in an easy way by having a broker or financial analyst, or by relying on the Internet. This is the behavior of the majority of investors who aspire to profit from the profits of companies whose stock prices are growing over time. Many investors prefer to get money by buying shares of companies that offer them financial profits because they achieve moderate growth. Easy to sell: If the investor needs money, it is possible to sell some of his shares at any time, but as a result of the volatility of securities prices may show the risk of bearing the loss due to this sale. The disadvantages of investing in the stock exchange The investment in the stock exchange sometimes leads to the emergence of a set of negatives, and the following information about them: [5] Loss of the entire investment: It is possible that the investor will lose its full investment in the event of losing the company and decreased prices of its shares, and decided the rest of investors to sell their shares, To the loss of all the initial investment of each investor, resulting in the loss of all the money in the savings or inventory. The need for a lot of time: the investment in the stock exchange takes a long time to choose between enterprises, and determine the ability of each of them to achieve profits; through the follow-up of annual reports and financial statements and developments in companies, in order to obtain the best investment price to participate in the market Money bills. The emergence of fluctuations in stock prices: The stock market faces a significant variation in the prices of shares and all other securities, which affects the decisions of individuals in buying and selling. The emergence of competition: New investors face competition with professional investors or traders who have the time to invest, unlike individual investors who need to know how to gain this advantage. Market Conditions The success of the stock market in the investment process depends on the existence of a set of conditions, the most important of which are: [6] Volume: a prerequisite for the stock exchange; as it contains many companies contributed to the increase in the total value of shares traded, Diversification of risk, lack of focus on a limited number of securities. Liquidity: The possibility of obtaining money through securities, and when the size of the stock market is large, the liquidity ratio is high in the market. Transparency: The ability of the stock market to provide appropriate information continuously about the companies in them and all movements that involve buying and selling to investors, and this leads to the reduction of manipulation of financial information, or a group of investors financial data before others. Stability: The ability of the stock market to be unaffected by sharp price fluctuations due to irrational expectations and the impact of rumors on securities prices, which lead to their rise or fall. This results in a deviation of the prices of securities from their real value, Issued by, such as companies.
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Is life insurance a requirement for a mortgage?

Is life insurance a requirement for a mortgage?

Is life insurance a requirement for a mortgage?
Is life insurance a requirement for a mortgage?

Some people may be surprised when they go to get a mortgage with an insurance program among the benefits of the program or one of the conditions for approving the financing. Is subscription to a life insurance program a requirement for a mortgage? Are there other types of insurance related to mortgage financing? We will answer these questions in the context of this article.

Types of insurance related to mortgage finance
Some may confuse the concepts of the three insurance programs that are obtained when obtaining real estate financing as follows.

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Life insurance or insurance protection
The contract between the insured (the insurance company) and the insured (the beneficiary) in which the parties agree that the insured shall pay a fixed amount of money, salary or other compensation in the event of the insured being exposed to his death or death, To him or to his heirs or beneficiaries whom he has chosen to benefit from. In return for the insured paying the price of the insurance policy or monthly installments to the insurance company for a period specified by the contract. The policy may contain additional benefits, including disability, disability or serious illness treatment costs, or the purpose of the document may be to cover the costs of university education for children or other goals.
The Saudi Arabian Monetary Agency (SAMA) Real Estate Finance Regulations do not require life insurance for real estate financing, so it is not mandatory because it is not tied to the amount of funding. But some banks may include it among the advantages of some mortgage programs.

The primary objective is to provide the necessary financial protection to the beneficiaries of the insurance policy when any harm is caused to the holder of the document.

Property insurance or property insurance
The property insurance policy covers all risks to which the property may be exposed, such as physical damage, damage to property, or damage. The period of coverage of the property extends from the risks over the validity of the document, which may be subject to certain conditions and exceptions. The property insurance policy provides a wider coverage of risks from fire insurance coverage and the risks resulting from it. This document can also be customized and add more benefits and coverings according to customer requirements and needs.

According to the leasing system for real estate, the mortgage lender may insure the risks he faces in accordance with the Cooperative Insurance Companies Control Law, but the cost of insurance on the lessor. Therefore, property insurance may be one of the advantages of the real estate finance program provided by the bank and is done by the rental system.

Loans of Islamic banks in the balance

The primary objective is to protect the property owner or beneficiaries from financial risks resulting from any damage to the property.
[Steps to Relinquish Mortgage Support to Relatives]

Insurance on housing loan
This type of insurance is done between the financier and the insurance company and is considered to be a kind of credit insurance. Its purpose is to protect banks and finance companies from the risks of defaulting borrowers and not repay them to the outstanding installments until the late payments or the execution of the guarantees for the loan are collected. Factors that affect the cost or value of premiums, including the amount of funding obtained. Banks usually require residential loan insurance as a condition for approval of financing, as part of the risk protection measures and to ensure that the bank will receive the due amount even if the borrower fails.

The primary objective is to protect banks and financiers from the risk of defaults and inability to pay their installments.

The tax on real estate ... its impact on the sector and its duties

The tax on real estate ... its impact on the sector and its duties

The tax on real estate ... its impact on the sector and its duties
The tax on real estate ... its impact on the sector and its duties

The Moroccan citizens are aware of the real estate market in Morocco, which has contributed to many factors that have changed the supply and demand index, both those related to privatization in providing housing that meets the expectations of future buyers, especially economic housing, which despite the need of citizens, Has become an important obstacle in the sector, because of the strategic location in which social housing apartments are built, not to mention the low quality of these housing projects targeting the poor class of citizens, and citizens know the real value of the construction of these apartments and circulation of In a number of media outlets, pointing out that the total value of each apartment in economic housing does not exceed 12 million centimes, and is sold to the benefit of citizens by 25 million centimes, data increased the aversion and led to undermine the confidence of Moroccans in real estate investors who build such projects, Leading directly to a crisis in the real estate sector, which is one of the most active sectors in Morocco.

The high price factor within the major cities for the property is considered a balancing factor in the decline of the sector, but all these factors lie in the side, and the tax factor on the property on the other hand, what this thorny issue raises about the value paid by realtors and taxes, And make them review their accounts hundreds of times before buying or selling a floor spot, house, apartment or any taxable property, given the tax value the landlord will pay the state, which for many of them is very high.

Tax solutions aspiring to overcome the real estate crisis
Sector officials were aware of the problems Morocco encountered in Morocco because of the housing tax, which caused the government to raise the issue of tax cuts on the sale of real estate, given Morocco's reluctance to sell land and apartments for fear of tax costs. In this regard, Minister of Economy and Finance Mohammed Boussaid began to persuade the House of Representatives to reduce the rate of tax on real estate profits on the sale of land. It is beneficial that this measure can revive the real estate sector in Morocco, especially if this tax is reduced from 30% , Currently in force, to 20 per cent.

The relationship between landowners' reluctance to sell their property and its impact on the real estate recession in Morocco is very clear. The first is afraid of losing the real value of the land and paying a good amount for the tax interests. The second is stagnant due to the lack of land for the completion of new housing projects, Those that are located in the cultural scope of the major cities such as Casablanca, Rabat and Marrakech, where the current finance law imposes on the land owners, 20% must be paid on the real estate profits in the case of the sale of the period of purchase and sale to less than 4 years, While for a period ranging from 4 to 6 years Of the purchase and sale tax is up to 25 per cent. If the period between purchase and sale exceeds 6 years, the landowner must pay 30 per cent of the tax interests of the real estate profits. The Finance Proposal for 2018, developed by the Minister of Economy and Finance , Mohamed Boussaid, can reduce the fear of property owners and encourage them to sell, which will lead to the provision of housing projects in the urban area of ​​cities, and contribute to the rise in the real estate sector in Morocco.

The tax on housing and collective services is required for real estate owners in the urban area, adjacent areas, in addition to the tourist stations, whether summer or winter, in addition to the areas that have a document for reconstruction, as all the built properties are obliged to pay tax except exempted, Permanent exemptions are the property and property estates in the possession of the state and the local communities, as well as the hospitals, while temporary exemptions are the housing tax, which the housing owner benefits from in the first five years after the completion of construction work. If this is the case of housing is a major property owner.

Loans of Islamic banks in the balance

The calculation of the housing tax is 10 per cent, 20 per cent and 30 per cent. These rates are calculated in relation to the rent value of the property, where officials place an average value of the property rent in the area and base it on imposing the tax rates mentioned above. The annual rent of the property does not exceed 5000 dirhams. In this case, it is exempt from the housing tax. If the sum is between AED 5001 and AED 20 000, the tax is charged at 10%, which means AED 500 per year. The denomination ranges between 20,001 AED and 40 000 DH. The tax value is 20% Cent, which means AED 2500 per year, and the third case in which the fees worth 30 per cent when they Alsomh exceed 40 001 dirhams.

As for the collective service tax, it is divided into two parts. If the property belongs to the civilizational domain, the rate is 10.5 per cent for the annual rent period. If in the vicinity of the urban area, the tax rate is 6.5 per cent.

In some cases, apartments with the same properties, space and site are taxed more than others. This factor is examined if the housing is primary or secondary. The owner of the property benefits if housing is the main factor of the 75 percent tax deduction. When the owner of secondary housing pays the full value, and proceeds of these taxes, by 90 per cent for the budgets of groups that impose fees within its territory, while 10 per cent goes to the public budget to draw the costs of the measure.

All you need to know about the bank's mortgage

All you need to know about the bank's mortgage

All you need to know about the bank's mortgage

Most Moroccan families rely on housing loans to buy housing and go to banks to seek offers that may be compatible with their social level and their ability to pay. According to the official data provided by the Bank of Morocco, the last ten years have seen the increasing indebtedness of Moroccan families For banks, from 8800 billion centimes to more than 35,000 billion centimes now. More than 80 percent of this huge increase in loans is for the purchase of houses or the tomb of life, as Moroccans like it, given the families' Loan, where the loan term is long and that arrive in a distance Sometimes to 30 years, with a bank interest increasing over the years, disturbs the Moroccans borrowers.

Rulers set by most banks are very complicated to grant a mortgage, there must be specific conditions for the beneficiary, banks are studying the file carefully, refusal or acceptance has come, and according to those who follow this sector, this growth in the rate of borrowing by Moroccans is mainly due to the continuous rise in As well as to the fierce competition between banks and lending companies, not to mention the emergence of Islamic bank services, which provided so-called halal loans, meaning interest-free loans, all these made access to borrowing easier and easier than before. There are those who talk about democratization The right to loan In order to provide more information to those interested in obtaining a mortgage, Saroti has conducted a press interview with a bank official specializing in housing loans and property in general, and we raised many questions that most Moroccans looking to borrow to buy a property On their knowledge, and the sequence of questions as follows:

What types of mortgages are available at the bank?

We are a bank that specializes in providing all the real estate offers that the customer requests. We provide loans to buy new or old housing. We contribute to the provision of a loan of up to 120% of the value of the loan requested by the customer. We provide the customer with additional expenses related to the purchase. In addition to the expenses related to the preparation, processing or renovation of his apartment. In addition, for economic housing, the value of the loan reaches 100% of the value of the purchase amount. Offers suitable benefit for those wanting to buy a piece of floor or Naiha, with the contribution to the overall amount of the property by 70 per cent, it is also applicable for those interested in a loan for the acquisition of a shop, as our customers can choose the amount that suits him to the limits of 350,000 dirhams, with the privilege of paying back the loan on a period of up to the limits of 84 months.

What are the loan concessions offered by the bank to customers?

There are many advantages, most important of which are the convenient repayment period of up to 25 years, where the customer can get the loan he wants, the repayment period starts up to 6 months, because we know very well that the expenses that followed the purchase of housing or any property As the customer is able to pay off the debt, the customer can increase the premiums and increase his or her ability to make or reduce payments according to his or her needs once a year. Because we realize that everyone may be going through critical times or circumstances Compelling, may impede the payment process by the customer. Thanks to our confidence in the customer, we give him the possibility of postponing the payment of the maximum For a period of up to 3 months. In addition, the loan file does not exceed 10 days maximum, while the bank's website is rejected or accepted within 48 hours.

Loans of Islamic banks in the balance

What are the conditions that must be met in the customer to obtain the loan?

The customer must have a bank balance of course. He must also have a minimum of one year of work in the same company, in addition to the value of the salary he receives, and the person wishing to benefit from the loan must have We are doing a thorough research on whether this person is a loan in another company, is he committed to paying the installments on time, and we do other routine procedures, such as looking at the value of the company in which he wants to benefit from the loan, Where the higher the value of the company, the greater the chance of granting the loan.

What are the documents required for a mortgage loan from the bank?

As for the documents, they are the same for all banks, where we demand the beneficiary to take advantage of the loan, a photocopy of the national identification card, in addition to a document proving housing "contract of sale" dated at least 3 months, and a check form, as well as the last three bank statements or disclosure And if the client is retired, he or she must give the pension certificate or if the retired customer is engaged in the Moroccan Pension Fund or the Fund. Moroccan Professional Retirement, Actual To issue a copy of the retirement card, for private sector employees, we ask them to make the final statement of the wage, in addition to the work certificate, while for the free professions, they must present a professional card and a copy of the commercial register Form C, which we demand Traders, as well as craftsmen, must have a certificate of registration in the professional tax.