Items To Steer clear of Facing Online Payday Loans

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Prior to signing up for any cash advance, carefully think about how much cash that you really require. You must acquire only the money which will be necessary in the short term, and that you are able to pay rear following the expression in the financial loan.

While confronting payday loan providers, always enquire about a payment discounted. Sector insiders show that these low cost fees exist, but only to the people that ask about it buy them. A marginal lower price could help you save funds that you will do not have at this time anyways. Regardless of whether they say no, they may discuss other deals and choices to haggle for your organization.

Think about all of the payday loan choices before you choose a payday loan. While many loan companies demand pay back in 14 times, there are some loan providers who now give you a thirty day word that could meet your needs much better. Diverse cash advance loan providers could also offer distinct repayment possibilities, so find one that suits you.

All those thinking about payday loans can be best if you utilize them like a complete last resort. Online payday loans have truly high interest rates so that you could spend all around 25Per cent in the authentic financial loan. If you’re thinking of getting a loan, do your greatest to actually do not have other way of creating the cash initial.

Look at the BBB standing upright of payday advance firms. There are a few reliable businesses out there, but there are a few others that are under reliable. By studying their standing upright together with the Far better Business Bureau, you might be supplying yourself self-confidence that you will be working using one of the honourable versions available.

Be aware of charges. The interest levels that pay day lenders can charge is normally capped in the status stage, though there could be local community rules as well. As a result, several paycheck lenders make their real money by levying costs both in dimensions and amount of fees general.

Ideally, this article has you nicely armed being a customer, and educated in regards to the details of pay day loans. Exactly like other things on the planet, you can find positives, and negatives. The soccer ball is in your judge like a client, who should find out the details. Weigh up them, and make the best choice!

Why Non-Renewable Energy Sources Are Not Effective

Non-renewable energy sources are not effective, and cost far more than they offer in benefits. Fossil fuels formation is a very long process that occurs over thousands of years, and the reserves left in the earth are running out. Developing countries, including China and India, are requiring more energy and oil, and this means what fossil fuel reserves are left will soon be gone. Because of the time fossil fuel formation takes in the earth, it can not be renewed for thousands of years.

There are many hot discussions about pros and cons of nuclear power, and there are many critics and proponents for this form of energy. No matter how safe these operations are handled and barring any nuclear accident, which is almost impossible to do, radioactive waste is created which will be dangerous for hundreds or even thousands of years. This leaves a toxic legacy for future generations to clean up. Nuclear power is very risky, and can have disastrous consequences when something goes wrong. Incidents like Chernobyl and Three Mile Island have made many wary of allowing a nuclear power plant anywhere near their city. When all pros and cons are taken into consideration anything as deadly as nuclear energy should probably not be used. This energy is not renewable either, because there is a limited amount of Uranium in the earth, so when this is depleted then it is gone completely.

Fossil fuels are slowly being used up, and alternative energy sources that are renewable will have to be found to avert an energy crisis and supply the energy needed. Crude oil is full of hydrocarbons, and both the crude and refined forms of this substance contribute greatly to pollution and global warming increases. This energy source is not renewable, which means gasoline and diesel will not be fuel sources much longer. Because fossil fuels are not renewable, they can not be replaced. Removing these resources damages the earth, and new oil fields are getting harder to find every year. Anyone who understands how petroleum engineers find new oil fields knows the extended amount of time and large amounts of money this process requires.

Anyone who knows about the coal mining industry also knows why coal is also not the answer to future energy needs. Just like crude oil and natural gas, coal is a fossil fuel which is not renewable and harms the environment significantly. Mining for coal has changed a lot over the years, but recovering this resource still does great damage to the earth through mining methods, as well as greenhouse emissions. Coal is not unlimited, and eventually this fossil fuel will also run out as well. Since coal is a nonrenewable energy source, it is not a viable solution to any future energy crisis.

What Is an AGO Oil Product or Automatic Gas Oil? Finding Authentic AGO Petroleum Supply/Supplier

A recent survey conducted by this writer on the Internet for a quick, snap shot sense of the subject matter, immediately revealed that there’s a state of relatively scanty knowledge of, or information about, this particular refined petroleum product called the AGO, among international oil dealers and suppliers. In deed, in one rather remarkable instance involving a popular ‘Ask for Answers’ online discussion portal, one reader expressly posited the question, soliciting information from the readers as to what is/was ‘the meaning’ of the petroleum term AGO, among three other refined petroleum products, which he went on to list – DPK, PMS, JET A1. There was just one response – a response that has stood the same for 5 years since. Oddly enough, however, of the 4 oil products that the answerer named, the answerer was exactly accurate in the definition he proffered on three of those. But, on ONLY one of them, the AGO product, the answer given by the answerer was somewhat slightly off, as he gave the definition of the product as meaning ‘Automotive Gas & Oils.’

So, first, we start with this basic question: What is AGO Oil Product, or the Automotive Gas Oil?

What the AGO Oil Product Is

The term AGO, which specifically stands for the Automotive Gas Oil, is the name given to the fuel type that’s used by road vehicles (cars, trucks, buses, vans, and the like) that are powered by DIESEL engines. That is, in a word, it is the diesel vehicle engine fuel. In terms of how the fuel gets to be produced or manufactured, the fuel is the type that, in the distillation and processing of crude oil work, is obtained in the mid-boiling range of that process. Related fuels which are used for non-road applications including off-road diesel engines, such as the Industrial Gas Oils (IGOs), are obtained from the same ‘fraction’ of the crude oil barrel.

Technically speaking, the term Automotive Gas Oil (AGO) is the technical name used by the oil industry in describing this particular fuel. However, in terms of the ordinary consumers in the market, the term ‘automotive diesel fuel,’ or just plain ‘diesel,’ is the more commonly used and more widespread name that the ordinary consumer uses in describing this fuel. Petroleum products are usually grouped into THREE categories: the ‘light distillates’ (LPG, gasoline, naphtha), the ‘middle’ distillates (kerosene, diesel), and the ‘heavy’ distillates and residuum (heavy fuel oil, lubricating oils, wax, asphalt). This classification is based primarily on the way crude oil is distilled and separated into fractions (called distillates and residuum). Within the oil industry, the generic oil industry name that’s used to describe gasoils – which include both AGO and IGO – fall under the ‘Middle Distillates’ category, meaning those kinds of refined oil products whose ‘boiling range’ fall in the MIDDLE, that is, between those whose range fall in the higher levels or in the lower levels. (See the Chart below). As you can readily see in the Chart below, at a Boiling Range of between 520 to 650, the AGO falls right in the middle range of most categories of the refined oil products.

The Market & Primary Uses of the AGO oil Product Among Its Customers

AGO is used in two main types of vehicles: 1) the heavy-duty vehicles, such as trucks and buses, and 2) the light-duty vehicles, such as vans and passenger cars. In most countries, including the USA as well as the developing countries, the heavy-duty vehicles make up the bulk of the market for AGO. In a country such as Japan, there is a significant light-duty vehicle sector, but it is in Europe that the demand for AGO from this sector is highest, with more than one-third coming from the passenger cars and other light vehicles. Customer requirements between the two types of fuel usage differ to some extent. Diesel engines are widely used in heavy-duty vehicles. Such vehicles are frequently operated in fleets and are re-fuelled centrally with the fuel delivered directly from the supplier. In the light-duty vehicle sector, recent advances in engine design now also allow light-duty diesel engines to compete with gasoline engines in terms of the performance standards. Light-duty vehicles are generally re-fuelled through retail outlets. In any case, whether it is in the light-duty sector or in the heavy-duty sector, in both sectors the customer will generally be looking for the fuel that provides economy, power, reliability and environmental acceptability.

Use As Car Fuel

Diesel-powered vehicles, such as AGO-powered vehicles, generally have a better fuel economy than equivalent gasoline engines and produce less greenhouse gas emission. Their greater economy is due to the higher energy per-liter content of diesel fuel and the intrinsic efficiency of the diesel engine. True, petrodiesel’s higher density results in higher greenhouse gas emissions per liter compared to gasoline. However, the modern diesel-engine automobiles have a 20-40% better fuel economy, and this well offsets the higher per-liter emissions of greenhouse gases, while a diesel-powered vehicle emits 10-20 percent less greenhouse gas than comparable gasoline vehicles. Biodiesel-powered diesel engines offer substantially improved emission reductions compared to petrodiesel or gasoline-powered engines, while retaining most of the fuel economy advantages over conventional gasoline-powered automobiles.

How Crude Oil Fractions Are Processed Into Refined Oil Products, Including AGO and Other Products

How do we get to have refined petroleum products, of which a product like AGO is one? Put simply, it is out of the refinery processing (i.e., out of the ‘refining’) of crude oil that many other usable products – products that we generally refer to as refined or finished petroleum products – are produced. Meaning products such as gasoil, gasoline, kerosene, AGO, etc. The process of oil ‘refining’ or processing is a very complex one, and involves both chemical reactions and physical separations. The substance that’s called Crude Oil is composed of thousands of different ‘molecules,’ and according to chemical engineers and molecular experts, it would be nearly impossible to isolate every molecule that exists in crude oil and thereby make finished products from each molecule.

Consequently, the way chemists and engineers deal with this problem, is simply by them isolating the mixtures (also called ‘fractions’) of molecules according to what is known as the mixture’s “boiling point range.” For example, molecules for the gasoline product might boil within the ‘range’ of from 90 to 400 oF. While the range at which the home heating oil product’s molecular mixes could boil might be from 500 to 650 oF, and so on. For purposes of convenience and simplification, each mixture or fraction is assigned a specific name to identify it.

The following chart illustrates the ‘boiling range’ and name of the petroleum fractions.


Boiling Range,oF.

Butanes and lighter

<90 Light straight run gasoline (LSR) or light naphtha (LN) 90-190 Naphtha or heavy naphtha (HN) 190-380 Kerosene 380-520 Distillate or atmospheric gas oil (AGO) 520-650 Residua 650 + Vacuum gas oil (VGO) 650-1000 Vacuum Residua 1000 + In sum, refined products are products that are produced by isolating the mixtures or fractions of molecules that come from the raw crude oil, and combining them, along with those from various refinery processing units. These fractions are 'blended' or mixed to satisfy specific properties that are important in allowing the refined product to perform in accordance with the specifications or requirements that are designed by or in an engine, in terms of ease in handling, reducing the undesirable emissions produced when the product is burned, etc FINDING OR OBTAINING A SUPPLY OF THE AGO Simply stated, the KEY term and task here is finding an authentic AGO oil product supply or supplier. Or an AGO buyer, as the case may be. Why? This is simply because, today, in the international refined oil products trading market, specially in the so-called "secondary" market, probably the single most fundamental and most difficult common problem which legitimate dealers who seek to find reliable suppliers have, is often NOT so much finding a party who will claim heaven and earth that he/she has the AGO oil product to sell and can supply you the product. Or that he can buy one from you, as the case may be. BUT finding such a party who is actually AUTHENTIC & LEGITIMATE, and can actually DELIVER on the product. MOST PEOPLE WHO SAY THEY'RE SUPPLIERS OF PRODUCT PROVIDE NO VERIFIED OR VERIFIABLE PROOFS OR SOURCES A well-established reality and a given today, is that in world oil deals involving trading in the crude oil and refined petroleum products, specially in the so-called international "secondary" market, probably the single most fundamental and most difficult common problem which legitimate buyers frequently confront today, is the problem of the genuineness and authenticity of the supplier of product and his ability to deliver on the sales offer he presents. Refined petroleum products, such as AGO, D2, Mazut, Jet fuel, etc., are certainly not immune or exempt from such endemic problem that seems to plague the entire secondary market oil trade industry, but rather are, in deed, right in the middle of it. It's a problem whose central source can simply be summed up in one word - namely, that not unlike most persons or entities who claim via the Internet to be oil or petroleum products suppliers or "sellers," most who claim to be suppliers of AGO, as well (or of similar refined oil products, such as the diesel gasoil or Russian D2, Mazut, Jet fuels, and the like), either provide NO proofs or evidence at all of that, or provide proofs or evidence that are often absolutely meaningless because they're unverified and unverifiable. That is, for the serious or credible Internet petroleum buyer involved in the world oil deals and seriously intent on finding duly verifiable authentic AGO oil product supply or supplier, there are generally just NO such supply or suppliers of the product in the so-called "secondary" market. Most such serious or genuine AGO buyers (or suppliers, as well, as the case may be) seeking to find equally genuine AGO suppliers (or sellers seeking buyers, when applicable) in the international secondary market, find that the problem is particularly acute and compounded by the fact that almost all "sellers" (or suppliers), or their brokers or intermediaries, that one meets on the Internet, are essentially unknown, unestablished dealers who lack any name, reputation or identity, or any known location on the planet, and lack any record or history of past performance in doing the business. In consequence, a serious AGO buyer, for example, is often being asked - and actually being realistically expected - to, in effect, merely take "the word" of some dubious, anonymous, unidentified and apparently unidentifiable, phantom "seller" or "supplier" for it, with no credible supporting evidence provided, and no verification or authentication whatsoever of the Internet seller's offer or claims. In sum, he's being asked - and actually being expected - to risk, or, rather, to gamble away, his hard-earned mini-fortune of some hundreds of millions of dollars merely on such a "word."! This, it should be added, is being expected of the buyer in a business environment and climate that is patently awash in fraud and a network of notorious scammers worldwide! WHERE TO BUY AGO OIL PRODUCT, HOW DO YOU FIND THE SUPPLIERS? Clearly, then, if you are a real buyer of product seriously intent on finding authentic diesel AGO oil product supply or suppliers (or those of any similar refined oil products, such as the diesel gasoil or Russian D2, Mazut, Jet fuels, and the like) - meaning one that is duly verified and verifiable - probably the most critical, vital, even life-or-death task for you, is that you had better be sure to develop, in some way or manner, a skilled and effective strategy for finding, vetting, selecting out and authenticated suppliers that can provide you reliable steady supply of the product, and which will be scam-free, assured, and long-lasting. How? Quite oddly enough, the answer to that question is actually not that complicated or complex. For our limited purposes here, suffice it simply to just say, that there is, in fact, such a methodology, tool and strategy for doing just that long in practical use in the industry. Long in practical use by knowledgeable, experienced and trained eyes and experts, and the successful traders, in the business. If you are, yourself, in fact a provable legitimate trader or authentic practitioner of the petroleum trade (assuming you are actually one) operating in the secondary market, and are truly serious about finding and securing authentic and reliable AGO oil product supply or supplier, or about finding and securing a buyer of equivalent caliber for the product, as the case may be, that's actually readily within your reach. There's just really one crucial proviso, only - namely, PROVIDING that you're equipped with the requisite knowledge, skill, training, tool, methodology and practical experience, by which to undertake the whole process of doing so. To be sure, true, in today's world oil deals of the international secondary market, including sourcing for AGO product, which is largely an Internet-dominated world, and is for the most part prevalently awash in fake dealers and scammers, finding duly verified authentic petroleum or automotive gas oil product supply, suppliers and sellers of such caliber (or buyers, just as well), is not ordinary or commonplace. Nor is it at all an easy task to attain. It is, however, by no means impracticable, nor are such suppliers non-existent. Far, far from it! Quite to the contrary, such suppliers abound. It's only that you just have to search around for such suppliers (or the legitimate buyers, as well, as the case may be) more diligently and skillfully and in the right places from the right sources, and know precisely how and where. That requires, unavoidably, supreme industry knowledge, skills set, training, know-how, connections, precious time expenditure, and experience.

World Oil Deals – Are Fortunes Made As Intermediary in Oil and Petroleum Trade Deals?


We call this the ‘get rich quick’ or ‘get rich overnight’ ethic or mentality. That is, the notion and thinking that just the mere involvement of one in the petroleum trading business, whether as a dealer or a broker, agent or other intermediary role, will almost automatically guarantee one a millionaire, in deed, a multimillionaire, station in life, and almost in no time at all! That is an ethic and mentality that has pervaded the common mindset and psychic of the average intermediary involved, or contemplating involvement, in the business today, and has been even particularly more heightened since the modern era of the Internet trading. In a word, it is a mentality that says that world oil deals and the petroleum trading are a business that is awash in wealth and fortunes and easily guarantees the intermediary who gets involved in it in any capacity at all, but in particular as an agent or intermediary of some sort, that, as one analyst put it, “you are going to be super rich next week or next month” by doing so.

Historically, in the past, over a period of several decades (and beyond), there has almost always been a sizable number of what could be called “professional middlemen” who operated in the oil and other commodity “secondary market” trading industries who are primarily but genuinely driven by the belief or inner conviction that working as an intermediary in the industry is a reasonable path to honest living which, if not leading one to an instant wealth, then at least to a reasonable means of livelihood and steady economic progress and well-being.

In more recent times, however, since the advent of the Internet and its increasing role as the dominant and preferred tool for conducting business among intermediaries, there has gradually shifted and developed, in stead, over the years, a “new breed” of intermediaries and middlemen (brokers, agents, etc) in the trade. Often given to far less education, training or apprenticeship in the trade than the previous pre-Internet generation of intermediaries, and usually having vastly less knowledge and experience in the art of international trading because of the greater ease of entry into the business afforded them by the Internet, as a group this “new breed” of post-Internet intermediaries and middlemen are generally less shackled by the normal moral code or ethics and decorum, and are more greedy and in a greater hurry to “strike it big and fast” by merely working as an intermediary. And, just as importantly, they’re in a greater hurry to clinch that elusive, dubious get-rich-quick ambition by any means whatsoever, including the scamming of unsuspecting or gullible international crude buyers, as such scheme is aided and made easier for them by the Internet and the easier cover of anonymity that it provides them.

In deed, as many knowledgeable observers and respected analysts of the industry have noted, the get-rich-quick greed and mentality have, in these hard global economic times of today (mid 2012), reached an even new, particularly frenzied high, as many crooks, scammers and fraudsters with actually no real crude oil to sell, have now trooped into the international crude oil selling business in unprecedented numbers, seeing that arena as a fertile ground for them in attaining their dubious ambition of “striking it big and fast.”

Robert McAngus (among many others), the Managing Partner/CEO for the Robert McAngus Group, has noted, with great lamentation, that phenomenon. In a 2004 article, McAngus voiced a rather ringing alarm at the escalated, often grossly unrealistic, divorced-from-reality kind of the commission fees being demanded, or expected, in recent times by brokers and intermediaries in the petroleum trading.

According to McAngus:

“Over the past few years, I have seen the fees charged to a possible transaction spiral upward in some cases reaching the astronomic heights of $30 USD per metric ton to be divided 50/50 between the buy side and the sell side. For God sake! Get a life! Or at least do the mathematics, on a simple 100,000 metric ton transaction using the figures I have quoted, that’s $30,000,000.”

McAngus continues, asking: “Please explain how we, as the buyers, are supposed to justify that amount of money to the bank at which we have our lines of credit, and perhaps if I have a reader at this point they can explain what the broker did to earn this amazing sum of money… I have no idea where the idea that fees of this magnitude are paid to brokers in an oil transaction [came from], or for that matter who in the transaction is going to pay them, certainly not me as the buyer!.”

A salient aspect of this common notion and thinking is that to attain this high financial status of instant wealth in the business, you need not necessarily have to work hard or to be trained or particularly experienced in and knowledgeable about, it, but can attain it by this doing basically nothing – other than, perhaps, just shoving around a few copied or bogus false oil trade deals documents on the Internet usually passed down to the particular intermediary from other fellow equally uninformed brokers and intermediaries.


The principal question, of course, is: How true or real or not is this general thinking, if any? Are fortunes made as intermediary in petroleum and oil trade deals? We shall address this issue pretty soon. But, first of all, let us address the general nature of this thinking, and its general genesis or origins.


There might, of course, have been some other significant relevant factors and influences to which the origins and genesis of this present-day phenomenon of get-rich-quick mentality in oil deals could be attributable. But, for our purposes here, suffice it simply to say that, based upon this writer’s own extensive research on the subject, there seems to be one dominant intellectual factor, above all, which has significantly influenced and aided a great many among the current breed of Internet brokers and intermediaries in formulating this conception of the nature of the oil trading business, and of the above-described current mentality of greed and get-rich-quick mythology that is widely prevalent among these players about the oil business.

And what is that factor?

Somewhat incredibly, that factor seems to be one rather obscure e-book rather appropriately titled “How to Earn $Millions in Oil Deal.” Its author is Mr. Sam Igwe, who goes by the alias Sam Nelson, said to be an operator of an oil consulting service since 2003. Credible research shows that an early, cheap, but powerful and influential Internet promoter and preacher of the gospel of the quickie-and-easy-wealth-from-service-as-a-petroleum-deal-agent, is this simple publication by Mr. Sam Igwe, alias Sam Nelson – titled “How to Earn $Millions in Oil Deal.”

D. The Basic Doctrine of “get rich-quick-with-no-work-or-effort” of the Nelson Publication

In point of fact, Sam Nelson’s “How to Earn $Millions in Oil Deal” publication lives absolutely up to the billing of its title as an ardent gospel that fervently preaches what the title denotes!

Though nominally stating at the outset that the book is “not a ‘Get Rich Quick’ book,” the book promptly asserts that “If you are searching for a sure, fast and genuine way to earn fast, steady, honest living and how to become a millionaire, I bet, this is the right book [for you].” The publication proclaims itself to be “the clear path to financial freedom,” it declares its prime mission as being to teach the reader “the long-held secrets of how to work smart and become a big-time Agent, millionaire within few months,” and asserts that it “is intended to open the eyes and minds of the readers to join the team of the big players in crude oil business.”

Regarding the amount of money the average intermediary agent or “facilitator” is to expect, Nelson asserts,

“• Do you know you can become an Oil Deal Facilitator and EARN Millions of dollars within few months? • Do you know you can become a Buyer’s or Seller’s Agent? • Do you know you can EARN $1,000,000 – $2,000,000 just for successfully closing one Oil deal within few months?” He adds that you can “induct yourself into the Millionaires Club!,” that you “can change your life forever by becoming an Oil Deal Facilitator and earn up to ($2,000,000) two million dollars within few months… [with only] a phone and an Internet access, your only investment is just this step-by-step (Manual).”

Nelson sums up his “attain super wealth overnight” doctrine this way:

“There are millions of barrels of Crude Oil being sold daily around the world. You can close a deal in any part of the world. Just a click of your mouse and few phone calls plus extra smart work… you can earn Millions of dollars in just few months by successfully closing one Oil Deal working in the comfort of your home as a facilitator. These secrets have not been made public because the participants do not want the public to learn their game. These oil deal giants have been very privileged to learn the game and have constantly made people feel that one has to be a millionaire before he/she can participate. This is not true.”

E. No Work, No Education or Skills Required!

And is there any amount of work or efforts that it will take for the agent to master this business and make a success of it, or to earn all that money? Is there any education, skills, knowledge, investment and experience that this will take or require? Nelson’s answer to these questions is, basically, practically little to none of that. According to Nelson, “This is Easy and Simple! Just from your dinning table you will work at your own pace and make millions of dollar within few months. There is no hidden cost. No huge investment. No upfront fees. (WE MEAN ‘NO FEES UPFRONT’).”


And now we get back to this central but critical question: How true or real is this general thinking, if any at all? Basically, the question is, are fortunes made as intermediary in petroleum trade deals, in fact?

In point of fact, if we were to put it simply in a word, probably the most fundamental and truest thing that could be said about the above-sketched doctrine of “get rich quick with no work or efforts” for the oil trader or intermediary, is simply that that doctrine is completely and patently false and misleading, and is at variance with, and directly contradictory to, the whole TRUTH and actual REALITY about the business! It is that the above-prescribed thinking is patently contradicted by the well-established, tried-and-proven trading doctrine and thinking that has long been preached, practiced and successfully used by mainstream traders and the most respected and most successful experts and practitioners of trading for generations in the industry!
Sure, decent money, or, in deed, even high incomes could still be made, and continue to be made, by many persons working as an intermediary in the business today, and a good number of intermediaries still close oil trade deals that are lucrative. But that’s ONLY by someone, however, who shall have already “paid his dues” in the industry before hand, before he (she) can possibly attain such success and such income working in the business – in terms of having acquired the requisite education and training, of being skilled and knowledgeable in the fundamentals of the trade and the appropriate rules and procedures of the trade, and, above all, of having acquired the hands-on practical experience and apprenticeship and long years (some 2-3 years or more) of painstaking, patient, diligent hard work in the business.

Clearly, that is a far, far, cry from the Nelson doctrine outlined above which essentially says and spreads the thinking that, as a broker or agent working in world oil deals and trading, you’re almost automatically “guaranteed” to close oil trade deals and to attain incredibly humongous and high “millionaire” financial status of instant wealth within months in the business just by the mere trying of your hands at it; and that you need not necessarily have to work hard at it or to be trained or particularly experienced in and knowledgeable about it, but can attain such great wealth overnight, any way, by doing basically nothing — other than, perhaps, just shoving around a few copied or false oil deal documents on the Internet usually passed down to the particular intermediary from other fellow brokers and intermediaries.

Clearly, anyone who really knows anything about the true realities of the business, would immediately tell you that nothing could be more ‘Joker Broker’ like type of philosophy than the above-described Nelson doctrine. An attitude and mindset that immediately reminds one of this characterization made by one analyst about the core nature of the joker broker, “Some of them [the “Internet” brokers or joker brokers] are quite entertaining [in the notions about the workings of business they typically exhibit], and remind us of the Nigerian scam artists. The world simply [just] does not work like that.”


Yet, such attitude and thinking fundamentally represents the kind of underlying mindset and mentality which typically pervades and controls the thinking of most persons who are attracted by and enticed into dabbling into the role of an agent or intermediary in petroleum dealings today – a mindset and mentality which essentially views the petroleum trading business as the ‘cash cow’ path to instant financial riches, and one which requires no deep learning or knowledge set to attain it, no long experience, and no hard work, but could simply be accomplished merely by passing around a few copied or even forged but never verified “documents” on the Internet! An underlying mindset and mentality of get-rich-quick-through-the-intermediary-work-without-work-or-study, which, though grossly misguided and totally erroneous and misinformed, pervades the broker network on the Internet – and bespeaks of the kind of unbelievable unrealism, unreal mentality and difficult-to-comprehend attitude often witnessed among a good many Internet brokers and agents operating in the international petroleum trading market today in terms of the frequent presentation one sees on their part of offers of business propositions or demands that are often impracticable, totally unreal and unrealistic, seemingly mere day-dreaming than serious, clearly divorced from simple reality, and completely contrary to all time-honored, well-established norms of the trade and the normal ways of doing business!

H. How Pure Greed Blinds & Hoodwinks People into this Doctrine

It is a mindset and mentality that, though rooted in the Sam Nelson doctrine, have their most primary and powerful impetus in one fundamental factor – sheer human GREED and FANTASY or MYTHOLOGY! Many times, mainly consumed by the false thought of becoming “super rich” overnight out of the blues from an oil deal, many of such brokers are found to be innocently and naively trying to close a deal for someone who they believe, or merely hope, to be real, but who is, in fact really not. But oftentimes, they are too blinded and overcome by the false belief in their pipe dream of becoming “super rich next week or next month” overnight by virtually doing nothing, or too proud or conceited, to simply accept or concede that such beliefs and procedures that they present are simply incorrect or impracticable, and so they refuse to change their ways and continue along the same futile path of wasting their time and the precious time of others, for months and years still trying to push plainly unworkable deals – until, perhaps, it finally begins to dawn on them that for so long no deals have been closed, or are likely to be closed, and not a dime of income has been, or is likely to be, earned!

These words of cautionary alarm and distress by a vastly experienced and successful 35-year veteran of the business, Robert McAngus, the Managing Partner/CEO of the international conglomerate, Robert McAngus Group, concerning the escalating greed and demands for unrealistic levels of commission fees he had observed from Internet agents and brokers, seem to hit the nail squarely on the head:

“Having been in the oil business since 1976, many years prior to the birth of the internet and Skype, I feel I have the practical experience and the hands-on management knowledge and skills required to try and set some of the misunderstandings [held by brokers and intermediaries about what they should be paid] right,” as he strongly advices the brokers and agents that, having come from the old school, he would strongly ask that they always “THINK THE DEAL THROUGH. If you as a fresh-faced young broker or a grizzled seasoned veteran, take the time to think about the process, I am sure that you will realize that this industry requires a lot of hard work and effort, so rather than just pass the deal from your friend Joe, along to the next broker friend, do some dam work and find out if the deals [are] real or not, and try to earn your commissions.”

I. Don’t Even Try Your Hands at It Until You’ve Had the Requisite Education, Training, and Experience

Divide Papa, the noted expert in modern international trading procedures, somewhat debunking the Nelson doctrine of get-rich-quick-without work-or-study, elaborates:

“[If] you want to become a Doctor or Accountant or Engineer,” he notes, reminding us of the way things have always worked in the real world, “you must [first] study and go to school for may years. Then obtain experience. You want to become a professional intermediary Buyer/seller, the same ideal applies – 2/3 years is the learning, obtaining the experience cycle, and after studying, many will give up trying. That’s how difficult this business is. But in return – if you close even just ONE single large deal – you will make a small fortune. You will make a life time of earnings on one deal. If you learn and study well your chances to close one deal is an even 50/50. [However], if you trade without study, your chances of closing a deal is ZERO. There is no 100% study applications in this business.”

Papa adds that any persons who are acting as import/export intermediaries in world petroleum deals, but have NOT first done the requisite studies, or fail to apply the appropriate doctrine of trading that’s followed by credible practitioners and experts, are virtually doomed to failure, guaranteed to close no deals or to make even a dime in income. And such persons, he asserts, should just rest assured that at least 99% of them “have no idea on what they are doing and will never close one deal even in 50 year of trading with silly procedures like LOI, ICPO, BCL, POP, etc. The net is full of silly ill-informed intermediaries who think they are trading when, in fact, all they’re doing is trading in nothing – just wasting time.”


To summarize, the central point of this essay is that – whatever may have actually been, or is, the causal source for or genesis of it, whether it is traceable to Mr. Nelson’s book, or to the new ethic of the Internet and the Internet generation, or some other unidentifiable corrupting or misguiding influence, or whatever else – literally nothing could be more wrong-headed, more misleading, misguided or unfortunate for the international petroleum marketing business today, or any Internet broker and agent who operates or want to operate in it, than adopting or buying into the above-described doctrine of fortune being made as intermediary in petroleum trade deals overnight, without work or efforts or education, which is widely admitted to be the underlying prevailing mindset operating among many of today’s Internet brokers and agents. In fact, to put it even more starkly, the central point that is made here is that nothing could be more cruelly ‘Joker Broker’ like – i.e., more negative or despicable, more unreal and unrealistic, more damaging or destructive, and counterproductive – to the average broker’s very own best interests and to his best chances of ever finding success in the business or ever landing any sales, closing any deals or making any income – than for a broker to operate under this kind of thinking and mindset – a mindset that is completely false and wrong, totally mistaken and misleading, unrealistic, unattainable, and absolutely contrary to and devoid of any realities and all norms of doing business..

Put simply, in terms of world oil deals, it is this innate belief in the above-described doctrine and mistaken thinking concerning the actual nature and realities of international trading and what ought to be the proper role of the commission intermediary in it that is generally held by the modern Internet intermediary, consciously or unconsciously, deliberately or otherwise, that is fundamentally the single most critical element which account for why most commission intermediaries fail as agents and generally do not close any deals or earn much income, for months, even for years of involvement in the business. And, what is more, it is this unfortunate innate erroneous belief that is held by them, that has been the most fundamental critical element which account for the terrible image of the modern Internet commission intermediary in today’s petroleum marketing business, and the horrible image and notoriety with which they are generally viewed.

And this is so for very good and readily understandable, and, in large part, justifiable reason!

Why so? Simply, because to operate in the business based on such a wrong-headed doctrine or mindset, or such misguided thinking, by any one at all, directly leads one, as it has with the intermediaries involved in the oil business, astray, leading them to the wrong approach and wrong mindset and procedures for the business, and therefore to undesired results and to failure and not being able to close oil trade deals, or to earn commission income from their involvement in the business.

An apt and excellent word of knowledge by which to conclude this essay is perhaps this one offered by one noted expert and author on the international trade intermediary, “There are no short cuts in this business [of trying to work as a trader or an intermediary].”

Or, to put it perhaps even more lucidly still, I might myself add this: “Either trade with the correct philosophy and approach, or fail woefully if you try to trade otherwise!” As an intermediary (or trader), those are your ONLY two stark options and certain results, and none else!

What Do You Want to Be When You Grow Up?

It’s the most important question we face in our lives and yet few of us know the answer. Sure, there are some people who know from the age of four that they want to marine biologists and then go on to discover a new species hidden in the depths of the Mariana Trench, but most of us battle with the question our entire lives and often reach retirement age without ever feeling totally satisfied with our career path.

When you’re a child, and the question is first put to you, any job seems glamourous. Children proudly declare that they want to be butchers or hairdressers and then a few months later change their minds to doctors and astronauts and then move onto golf caddies. Nothing is impossible for children, which is a charming trait that somehow we lose as we get older.

Priorities change with age and instead of the excitement of carrying someone else’s golf clubs we decide we want more job stability and more money. Let’s face it, unless you’re caddying for the pros, it’s not exactly a lucrative career. We also discover new talents. Few children want to be an actuary when they grow up, but according to CareerCast, a career portal for North America, an actuary is the third best job to have. Actuaries have very little stress, there are no physical demands, there are loads of job opportunities and the salary is magic – over $87 000 per year.

Software engineers have the best job, apparently, because even though the salary is a smidge lower than that of an actuary, they are more in demand and as we’re becoming increasingly reliant on computers one would imagine that they’ll stay top of the pile for years to come. Mathematicians have the second best job, but at more than $94 000 per year they are the highest earners; which kind of makes you wish you’d paid more attention at school, doesn’t it?

The South African perspective

Things are a little different in South Africa. Actuaries certainly earn a great deal of money and software engineers are in great demand, but most school leavers want to work for the government, specifically the Department of Health and Education. If we’re cynical we could say that the primary reason for this is the opportunity to earn a ludicrous salary and claim ridiculous perks while doing as little as possible. But the director-general of the Health Department, Gadizwe Nkomo, says that it has to do with the major drive to reach school children and inform them of the wealth of opportunities available.

According to Peter Johansson, MD of Magnet Communications, an employer branding specialist, young people are tempering their job expectations (and their priorities) to suit the prevailing economic climate. In other words, instead of looking to start at the top of a company and out-earn people who have years more experience, students are looking for companies that offer job stability, reasonable salaries and reasonable prospects.

If money is still your primary motivation, however, you should consider these top South African earners:

• Petroleum Engineers: earn nearly $82,000 per year.
• Air Traffic Controllers: earn over $83,000 per year.
• Computer and information systems mangers: four years’ experience will get you nearly $84,000, and that escalates with each additional year.
• Lawyers: an unambitious lawyer at a respectable firm can earn between $91,000 and $95,000 per year.
• Airline pilots, co-pilots and flight engineers: earn in the region of $99,000 per year.

Some people strike it lucky and, with a modicum of talent that allows them to kick a football at a goal, can earn more money in one week than most of us will see in our entire lifetime. The rest of us have to earn our living but if we can just hold onto the belief we had as children, the world will remain our oyster.


Types of Construction Projects

Construction is defined as “a process that consists of the building or assembling of infrastructure.” (See 1. below) On the other hand, a Construction Project “includes all material and work necessary for the construction of a finished structure for occupancy by End Customer. This includes site preparation, foundations, mechanical, electrical work, and any other work necessary to complete the project.” (See 2. below)

There are different types of construction projects:

  1. Residential
    Residential construction projects include houses, townhouses, apartments, condominiums, cottages, single unit dwellings and subdivisions. The housing designs are generally done by architects and engineers and the construction is executed by builders who hire subcontractors for structural, electrical, mechanical and other specialty work. This type of project must conform to local building authority regulations and codes of practice. Many new builders are attracted to residential projects because of its ease of entry in the real estate market. This makes it a highly competitive market with potentially high risks as well as high rewards.
  2. Building
    Building construction is perhaps the most popular type of construction project. It is the process of adding structure to real property. Most of the projects are room additions and small renovations. Most new building construction projects are construction of sheltered enclosures with walk-in access for the purpose of housing people, equipment, machinery or supplies. It includes installation of utilities and equipment.
  3. Institutional and Commercial
    Institutional and commercial building construction covers a great variety of project types and sizes such as hospitals and clinics, schools and universities, sports facilities and stadiums, large shopping centres and retail chain stores, light manufacturing plants and warehouses and skyscrapers for offices and hotels. Specialty architects and engineers are often hired for designing a particular type of building. This market segment has few competitors because of the high costs and greater sophistication of institutional and commercial buildings as compared to residential construction projects.
  4. Industrial
    Industrial construction is only a small part of the whole construction industry nevertheless it is a very important part of the industry. These projects are generally owned by big, for-profit industrial corporations such as manufacturing, power generation, medicine, petroleum, etc.
  5. Specialized Industrial Construction
    This type of construction project usually involves very large scale projects with a high degree of technological complexity such as nuclear power plants, chemical processing plants, steel mills and oil refineries.
  6. Highway Construction
    Highway construction involves the construction, alteration, or repair of roads, highways, streets, alleys, runways, paths, parking areas, etc. It includes all incidental construction in conjunction with the highway construction project.
  7. Heavy Construction
    Heavy construction projects usually involve projects that are not properly classified as either “building” or “highway.” Examples of this type of project would be: water and sewer line projects, dams, sewage treatment plants and facilities, flood control projects, dredging projects, and water treatment plants and facilities.

These are the more popular types of construction projects. Construction is a big industry and there are now several construction companies that you can choose from. This, coupled with the use of the internet, has made it easier for the consumer to make a decision on how to proceed with his or her projects. You just need to do a little research. Don’t hesitate to contact these construction companies and ask questions. Construction projects are a major undertaking and you need to make the right decisions when you embark on these projects.


Voice Your current Ideas in Phentermine 37.5 mg Community Forum

Right before ingesting any sort of medication it is essential to be aware of the effects and adverse effects of the same. In a similar manner when you are using slimming pills to lessen, it’s likely you have many basic questions mounting in the your head with regards to the medications. For example- just how much potent the actual medication is, if there is any adverse reaction the exact same, how frequently it should be ingested, how rapidly it displays it’s results etc. All these questions are required to be clarified by the pros. 
Phentermine 37.5 mg weight loss supplements certainly are a swift and efficient way to lower fat. But individuals who want to downsize their weight may have a lot of worries in their brains for the relief medication. To provide strategies to all of their queries. Phentermine 37.5 mg community forum from has recently been set up which take cares of all the doubts that folks have got in their brains related to the supplements. Some citizens may wish to know how much weight they’re anticipated to drop with these remedies. The board is developed where people can share their encounters and bring their queries.
It’s been found out that the results of fat reduction are highly variable among people today. The reason is their various diet plans and behavior. It also is determined by the amount of exercise done by the individuals. For those who have previously experimented with the medication then you definitely ought to reveal your account with the conversation message board. You are able to give his feedback and communicate his views for the medicine. 

One can also give suggestions in the online community which can be useful for other people. You can tell about the outcomes of the medicine as regard to how much bodyweight you cut down, what weight loss program you followed and what kind of exercise routines you performed etc. In case you have not got the wanted results, bring up your problems, the experts of the discussion message board can help in resolving your problem.
The researchers also tell you the various strategies to lose weights and completely different answers to your troubles. Phentermine 37.5 mg from discussion forum also deals with the problems those people who are unsatisfied with Phentermine 37.5 mg from. If you’re among those, then you can come with your issues and get a simple solution.
In case if someone else feels that the healthy eating plan he is following isn’t accurate then he can certainly seek advice from the industry experts. They can study your case and can help to make variations in your diet plans. If you’re required to make some changes in the weight loss plan, then proper diet agendas could be suggested by the specialists. They can tell you to cut down any specific eatable to get desired results.
Those who are really satisfied with the Phentermine 37.5 mg also can highly recommend new and revolutionary techniques as regard to physical workouts so that it could be of assistance to somebody else that has not been able to accomplish his objective of weight loss.
People also can create their weblogs and post testimonials within the on-line Phentermine 37.5 mg online community which could be recognized a feed-back from the users of Phentermine 37.5 mg Folks from all around the globe who’re consuming the medicine could be gathered at one site.

Petroleum Jelly – Facts Not Fiction

Myth: Petroleum jelly (Vaseline) used in hair and skin products is a dangerous chemical byproduct of petroleum or gasoline.

Fact: Refined USP Petroleum jelly is not the same as the “Petrolatum” defined by the Chemical Abstract System (CAS) definition found in the EPA Toxic Substances Control Act (TSCA) Inventory. This CAS number (8009-03-8) applies to an unrefined, heavy, waxy petrolatum material. In fact, United States Pharmacopeia (USP) white petroleum jelly is not a byproduct but is a refined and purified product of heavy waxes and paraffinic oils. USP White Petroleum Jelly surpasses the safety standards set by the FDA for use in food and cosmetics products as well as for both the European Union (EU) and Japanese Pharmacopeia Chemical Codes.

Myth: Vaseline or mineral oil when applied to the skin creates an impassible barrier plugging hair and skin pores (comedogenic).

Fact: There are no credible scientific studies that prove that Vaseline or mineral oil is in fact comedogenic (block skin pores). In reality, the term comedogenic was developed by the FDA to only classify substances that caused acne by blocking facial skin pores. Later, health and nutritional advocates attempted to extend this definition to include products used for the hair and body. However, the term “comedogenic” was never intended to be used beyond the original scope as defined by the FDA. Recently, new scientific studies have resolved the debate. Technical papers published in the Journal of Cosmetic Dermatology (May 24, 2005) and the Journal of the Society of Cosmetic Chemists (1996, vol. 47, pp. 41-48) demonstrated that white USP mineral oil (FG) and white USP Vaseline do not block skin pores.

PJ and mineral are classified as “occlusive” moisturizers. In theory, occlusives reduce water loss from the skin by creating a hydrophobic barrier when applied over the skin. Occlusive moisturizers diffuse into the intercellular lipid domains and herein lay their effectiveness. Published studies show that although Vaseline exhibits what appears to be occlusive properties when applied to the skin it neither forms nor acts as an impermeable barrier but rather permeates slowly throughout the SC interstices, allowing for normal skin recovery.

In layman’s term Vaseline PJ does not clog skin pores but slowly diffuses throughout the skin lipid layer and even assists the body in skin repair.

Myth: PJ is inexpensive poor moisturizer.

Fact: True, White USP PJ is an inexpensive product but on the contrary it is still the most cost-effective moisturizer used today in the cosmetic industry. Petroleum jelly at minimum concentrations reduces transepidermal water loss (TEWL) by more than 98% and is followed by lanolin, mineral oil, and the silicones, which are effective in the range from 20%-30%. Other substances such as beeswax, stearic acid, shea butter, jojoba oil, coconut oil, and sunflower seed oil TEWL values are below twenty percent.

Petroleum – Its Uses And Benefits

Petroleum or crude oil is a naturally occurring liquid found in formations in the Earth consisting of a complex mixture of hydrocarbons (mostly alkanes) of various lengths. Petroleum literally means rock oil; oil that comes from rock. Petroleum or Crude Oil is a naturally occurring hydrocarbon-based liquid which is sometimes present in porous rocks beneath the earth’s surface. Petroleum is formed by the slow alteration of organic remains over time. It consists of a mixture of liquid hydrocarbon compounds and varies widely in composition, color, density, and viscosity. This liquid after distillation yields a range of combustible fuels, petrochemicals, and lubricants. Compounds and mixtures of compounds separated from crude petroleum by distillation include gasoline, diesel fuel, kerosene, fuel oil, some types of alcohol, benzene, heavy naphtha, different grades of lubricating oils and residuum. Petroleum is usually classified according to the predominance of paraffin or asphalted compounds and accordingly is said to have a paraffin base, an intermediate base, or an asphalt base.

Oil wells are drilled as deep as six miles into the Earth to search for petroleum. These wells can cost millions of dollars to drill, yet drilling is done because petroleum is a valuable natural resource. Although the major use of petroleum is as a fuel (gasoline, jet fuel, heating oil) and petroleum and natural gas are often used to generate electricity, there are many other uses as well.

Here are some of the ways petroleum is used in our every day lives. All plastic is made from petroleum and plastic is used almost everywhere, in cars, houses, toys, computers and clothing. Asphalt used in road construction is a petroleum product as is the synthetic rubber in the tires. Paraffin wax comes from petroleum, as do fertilizers, pesticides, herbicides, detergents, phonograph records, photographic film, furniture, packaging materials, surfboards, paints and artificial fibers used in clothing, upholstery, and carpet backing. Helium, sulfur and other valuable materials are produced from oil wells along with petroleum itself. Petroleum is used principally as a source of fuel and lubricating oils. Only when these supplies are restricted or threatened does the average person begin to realize their importance.

The top three oil producing countries are Saudi Arabia, Russia, and the United States. About 80% of the world’s readily accessible reserves are located in the Middle East, with 62.5% coming from the five Arab countries: Saudi Arabia (12.5%), U.A.E., Iraq, Qatar and Kuwait. Millions of people around the world are employed to find or produce petroleum, ship and refine it and manufacture and market the many oils and waxes made from it.

Although there are many alternatives to petroleum fuels, an analysis of costs and benefits shows that petroleum is superior in most every area. Hydrogen, ethanol, hybrid, and biomass technologies are promising for automobiles and may soon increase efficiency and reduce emissions; but many of these technologies have not yet proven sufficiently profitable to providers or attractive to consumers. Petroleum retains a key advantage because the price of oil remains low compared to forms of energy with lower environmental impacts, like wind and solar power. Unlike hydrogen or even natural gas, oil is easily transportable and there is a vast infrastructure in place to support its use.

There are many factors due to which oil prices are rising but still petroleum is a necessity. These reasons are lack of available capacity across the oil supply chain in production, refinery upgrading and transportation infrastructure; surging demand in emerging economies; apparent insensitivity of consumers to the price signal; uncertainties related to the weather (hurricanes) or to politics (Iran, Iraq, Venezuela, Nigeria); and increasing activity in the commodities markets. It is not very useful to blame any single player in the game. This could pose danger to the economy and business of the world.

Therefore, benefits of petroleum have brought enumerable benefits to human civilization: quality of life, dynamic prosperity and a source of income to energy traders.

Petroleum Geologist Jobs – Reach New Heights of Petroleum Engineering

The oil and gas related careers have always been coveted amongst the beginners. Such is the job of petroleum geologist, which attracts the interest of budding professionals because of high pay packets and job satisfaction.

This is a career related to discovery and recovery of hydrocarbons. It includes the planning and process of exploring crude oil that is present in liquid and gaseous state. The petroleum engineers perform source rock analysis to identify the deposits of crude oil. It is done with the use of geochemistry and geophysics.
In addition, stratigraphy and sedimentology are two disciplines that go into extraction of petroleum. The petroleum hydrocarbons are found at variable depths and sometimes may seep to the surface. The petroleum geologists are skilled to trace the presence of crude oil and gas. They have extensive knowledge about discovering oil from accumulations that may also be present in the rocks of sedimentary basins.

The petroleum engineers not only know the art of striking oil but also they are masters in deploy reservoirs to canalize the crude oil. A petroleum geologist also takes active part in managing the mechanism involved in moving or migrating the massive deposits. Moreover, trapping and sealing the reservoir is important in the extraction procedure. The petroleum geologist locates these traps by using subsurface information and drilling.

There is also an extensive use of discipline like seismology to map subsurface. The petroleum geologists and petroleum engineers also play an inevitable role in using extraction techniques to the remaining viscous and left out oil. Geographical surveys are conducted in order to zero-in over few prospects to start drilling.
Interestingly, about one-fourth of the total oil discovered is contained in ten major oil fields. There is good scope in this industry for newcomers too. The career of a petroleum geologist may demand both onshore and offshore presence. This certainly is an advanced level of petroleum engineering, wherein knowledge of numerous subsidiary disciplines is required.