About myself

I am an entrepreneur, was in construction and internationally in property development. More about me in the hereinafter following curriculum vitae. Years ago I came in touch with best investments in the money market. I was all excited. In the early years I worked together with an investor from Paris, France. He procured these bank obligations from Salomon Brothers - in mid 1980's an investment bank powerhouse with about 7.500 personnel, operating around both, the clock and the world, plus one of the bulge bracket firms - and for smaller volumes from Prudential Bache Securities. I was blessed and learned enormously in a few years. Later-on I added Donaldson Lufkin & Jenrette, Credit Suisse First Boston (CSFB), Dominick & Dominick and UBS (Union Bank of Switzerland). And I learned more of these interbank transactions in the following years. This is by no means easy. The difficulties are briefly described in Money market by Attorney-at-Law Esquire S.M. from Munich, Bavaria, Germany. I invested enormously time and yet much more money to become to know facts. And when then at all, one gets to know particulars only from members of the very tiny trading circles within the banks or big players. In other words, only from those, that are concerned with or work in the money market. In a big commercial bank there are a mere handful of traders and one director. In the years of early 2000 to late 2003 I invested, apart of my time, by far more than half a million Euro to get into contact with the management of traders. Proof thereof can be given to an interested party in a form as described here. This was my money of my personal wealth. In addition this was a full time job, uncompensated for. And much more important, than these time and cash expenditures, I managed the necessary minimum amount of funds for a best investment, as evidenced by an bank account statement. When one does not manage and control this minimum amount, there is no need to look into the subject, as all time and efforts invested into the subject are in vain.



I take this possibility of best investment again up to finance and develop - at least partially - a supraregional medical centre including a humanitarian hospital Medical centre including an humanitarian project, annexed thereto. Under the aforementioned link, interested parties may read more to this medical centre, including the humanitarian hospital. I revert to my idea of this medical centre after many years of personal suffering of Chronic Fatigue Syndrom (CFS) and an undiagnosed gluten sensitivity with it's sheer endless wonderful side effects. The latter especially but not limited to the gastroenterological and dermatological tracts. This reminded and brought me to one of the most influential medical forefathers, Hippocrates, and his saying; "All disease begins in the gut". Greenmedinfo, founded and run by Sayer Ji and Huffingtonpost have very interesting and worthwhile reading articles on this specific topic "All disease begins in the gut". Though today it is proven by science, there are other diseases, e.g. heriditary ones through the genes, that do not have their origin in the gut. Nonetheless, a vast, yes, one could use the term of "endless" many diseases take their beginning in the gut. And later-on their toll on organs, glanses etc. of the human organism.  what fundamental truth lies in this statement and what severe consequences result therefrom. The number of diseases, that have their true origin in the gut, is sheere endless. And ...., ignored by a great many of the medical professions. Having made reference hereto, I should add, that a great many .... (not all of them) .... of the medical society should accomplish their job with a greater conscious awareness of this statement of Hippocrates.


To make this business undertaking realistic, I developed a concept under a specific business model, described in a dissertation by Esquire S.M., Attorney-at-Law, from Munich, Germany Business model. Thereby a group of investors is put together under a special purpose vehicle, e.g. a new off-shore company. Thereunder I offer High Net Worth Individuals access to best investments 2017 as of one hundred thousand Euro (Euro 100.000), as described in detail under best investment 2017. All these best investment deals are accompanied, supervised and controlled by a big trust firm. An international law firm advises on all legal matter throughout all stages. Under this business model Business model security aspects for funds of investors are more preserved, than for big individual players. 

My curriculum vitae

Business model

Hereinafter following the business model, edited by Esquire S.M., Attorney-at-Law, from Munich, Germany. 




Contractual and legal aspects to a  participation in 

best investment in the money market

A participation is done through a big Swiss bank and 

is accompanied by a big Trust Firm  







I. Introduction




Here a business model is described, that allows investors to participate in best investment deals, otherwise exclusively privileged to institutional and investors with “deep pockets”. Under this business model investors dispose of an amount of investment funds of one hundred thousand Euro (€ 100.000) or more to participate. Participations in best investment take place in the money market. Thereby the key objectives for investors are to achieve (1) a best return on investment, i.e. to maximise the profit potential, whilst preserving the (2) highest security, i.e. not incurring any losses or depletion of the investment funds under any circumstances and (3) highest liquidity with a (4) fast availability of funds


Best investment participations are as of the set-off made to these specific requirements 

highest security, highest liquidity, best return on investment and fast availability of funds – 

as they take place in  the interbank money market.


Through his personal experience the principal hereto has contacts to financial intermediaries, accredited by big Swiss banks. He is prepared, in cooperation with a big Trust Firm to put these contacts at the disposition of prospective investors, desirous of participating in this, otherwise privileged, best investment upon their demand.


By appointing a big Trust Firm to accompany these participations it is ascertained, that investment funds are administered in strict conformity with the underlying Trust Agreement and moreover the instruction letters of the participating investors. In monthly periodical intervals investors are permitted to inspect all account and auditing statements with an international auditing firm.




II. The business model




(1) Choice of Law


In principle it should be said, that the business model, described herein is not bound to the jurisdiction of a certain country. There is no legal or tax wise advantage in making use of the one versus the other jurisdiction. Herein the applicable law results from the location of the banks involved, which is Switzerland, and the business provision by the financial intermediaries. As the latter are active in Switzerland, Swiss Law lies at hand and is recommended.




(2) The business parties


The business model is based on the co-operation of the three participating parties, inter-related by contractual agreements. None of the parties is in any way isolated from the others nor excluded to any information. This is the essential element of transparency in this structure. The three parties are;


(a) the principal hereof – through a single purpose company in representation of all the participating investors – and the trust firm, both overseeing and documenting all transaction activities on behalf and for account of the investors,


(b) the Financial Intermediary, accredited by contract by a big Swiss bank, and


(c) the big Swiss bank.




(3) The contractual agreements


The following diagram illustrates the contractual relationships among the three parties:







Big Swiss Bank






                                                            Account Management Instructions                                             Agreement on parameters of co-operation

                                                                       & Instruction Letter







     Principal & Trust Firm                                                            Financial Intermediary

                                                                                           Funds Management Agreement

                                                                                                  & Power-of-Attorney








Through the contractual agreements by and between all three parties, a reciprocal relationship is created. In order to understand one single of these contractual relationships, one must have knowledge of the content of the other contractual agreements. This economical concept of contracts reduces the content of all contracts to an absolute minimum and negates repetitions.



(a) Contractual  agreement  by  and  between the  principal  and  the  Financial Intermediary:


Before the principal proceeded in any constructive way whatsoever with this business and by acquiring potential Clients (investors), the corporate counsel of the corporation of the principal and Esquire S.M. of Munich, Attorney-at-Law, investigated in-depth on: 

the Financial Intermediaries, the position and relationship thereof with the big Swiss banks, the business itself, the inter-relationships, the contractual agreements and adhering documents among the three parties, as well as the position of and the department, which the Directors of the banks oversee, who are in charge of the businesses, the clients (investors) and the accounts of the clients of the Financial Intermediaries. The corporate counsel and Esquire S.M. from Munich investigated and worked hereon more than 6 weeks. This work comprised, however, was not limited to, bank internal check-ups, inquiries with international supervising authorities and agencies with regards as to possible wrongdoings and or incidents of the Financial Intermediaries as well as to financial services licensing in the relative country or as to whether no licensing requirements would be applicable, based on the “passive financial services rendering on request of an Investor”, as per the regulations of the German Federal Supervisory Board for Financial Services Rendering (BAFin). Of this in-depth investigation by the corporate counsel of the principlal and Esquire S.M. of Munich, Attorney-at-Law, it resulted, that nothing whatsoever hinders or objects the ratification of the contracts by and between the principal and the Financial Intermediaries. However, this is subject to either (1) existing ratified agreements by and between or (2) the disposition of big Swiss banks to readily sign agreements with the Financial Intermediaries. Subject to the ratification of a contract by and between the principal and the Financial Intermediaries, the principal also issues Powers-of-Attorney for the management of financial assets for Financial Intermediaries in favour of the Financial Intermediaries - a standard document of big banks - enabling the Financial Intermediaries to engage the banks on behalf of the principal to complete the underlying businesses or investment objectives.



(b) “Agreement on  parameters of  co-operation” by and  between the  banks  and the Financial Intermediaries:


Before any Swiss bank engages in any co-operation together with independent Financial Intermediaries, the latter will be subject to a thorough investigation process. This process is initiated by the requirements as per the Swiss Law & Regulations, under which any Financial Intermediary must comply with in order to obtain the necessary permits and or licenses. The requirements are as per the;


Federal Law on Stock Exchanges and Securities Trading (BEHG)

as well as the

Regulations on Stock Exchanges and Securities Trading (BEHV)


Art. 10 to 19 of the above Law (BEHG) as well as Art. 17 to 28 of the above Regulations (BEHV) provide a whole series of requirements, which not only must be complied with in order to obtain the permit as a securities trader, but these are elementary requirements by and for to obtain a co-operation with Swiss banks. For cause, the banks are not merely interested in seeking co-operations exclusively together with reliable and properly licensed Financial Intermediaries, due to their reputation. Moreover, the banks are obliged under Art. 9 of the Bank Regulations to care for an efficient Risk Management, which includes also the Limitation of Risks. The banks will not expose themselves to the risks and perils of a co-operation with non-licensed Financial Intermediaries and/or of bad record/reputation, as in doing so, the banks expose themselves to possible investigations by the Supervisory Authority - i.e. the Federal Banking Commission (EBK) - and assume the risk of loosing their own licenses.

Based hereon, the banks require the following series of documents from Financial Intermediaries, which the latter must provide before any talks on a possible co-operation will be engaged into:


- Permits/Licenses by the Authorities,

- Certificate of Registrar (max. 1 year old),

- list of holders of proxy,

- copies of passports of the individual consultants and Managing Directors,

- CV’s of the latter,

- Business & marketing plans,

- Audit reports & prospectuses.


Subject to (1) the provision of all of the above documentation to the full content of & (2) the result of the subsequent negotiations being of certitude, that a co-operation will be successful, (3) the banks will ratify together with such Financial Intermediaries “Agreements on parameters of co-operation”, mentioned in the diagram above. The latter describe among guidelines on proceedings, also rules for the protection of clients. Attention is drawn especially to Articles 3 and 11 therein, which oblige the Financial Intermediaries to extensive informative duties towards their client(s) (here the principal, representing all the Investors participating AND the Trust Firm); in the event the Financial Intermediaries do not properly fulfil these informative duties, the banks reserve themselves the right in doing so.


Under point 9 of this “Agreement” explicit reference is made to the official licensing of such Intermediary. However, this is merely of declarative character, as the requirements by law have to be complied with. It should be noted, that the banks will care utmost for that the Swiss Law will absolutely be complied with. Moreover, the Financial Intermediaries are obliged to keep with the norms of all jurisdictions under which their activities come. As such and as described under Article 9 of the “Agreement”, the regulations of i.e. the German Federal Supervisory Authority for Financial Services Rendering (BAFin) apply to Financial Intermediaries, advising and rendering services to clients in Germany, although their business activities are carried-out in Switzerland.


(c) Agreement by and between the principal and the Banks:


The Agreements by and between the principal and the banks are not evidenced in a single contractual agreement, but in a series of account management instructions, tailored to fit the individual clients’ needs and requirements. As an example to the intended investment, the principal will give instructions to the banks with reference to the quality of paper to be permitted for trading, in order for the banks to issue and do the purchase, investment and or placement order(s) of the Financial Intermediary at all! The underlying paper, permitted for trading, must, as evidenced in the Deed of Trust, ratified by and between principal and the Financial Intermediary, be of a minimum credit rating of A+, as per Standard & Poors, which ascertains the value during the relatively short period of trading. Complementary thereto the principal issues an Instruction Letter direction to the respective big Swiss bank, which restrains the Power of Attorney, issued in favour of and direction to the Financial Intermediary, to the extent and type & quality of paper, as described therein. The Instruction Letter of the principal is issued on the grounds of the Instruction Letters of all investors, participating in a best investment deal. Every participating investor issues such an Instruction Letter as part of the Trust Agreement, ratified by and between the principal and all participating investors. Moreover, the Instruction Letter obliges the big Swiss banks to (1) supervising the correct use of the funds, (2) full Information on Risk and (3) safeguarding Client’s Interests, notably (a) value preservation, (b) not to incur any losses, and (c) to generate investment income!


This Instruction Letter does, among others, not object to the “Agreement” by and between the Financial Intermediary and the respective bank, in specific therein under point 2, paragraph 3! The big Swiss bank does not supervise the transactions of the Financial Intermediary! However, the bank is generally instructed by the principal to permit and do only specific transactions! The content of the Instruction Letter with respect as to the management of his account (with two signatories, i.e. the principal and the Trust Firm) and deposit (investment funds of all investors participating) is at the sole discretion of the principal and has “per se” nothing to do with the Agreement by and between himself and the Financial Intermediary.


Only point 1 of the Power of Attorney, issued by the principal in favour of the Financial Intermediary, is restrained by the Instruction Letter. In addition thereto, the Instruction Letter is in conformity with Art. 3 of the Deed of Trust by and between the principal and the Financial Intermediary and assures it’s careful performance!


The Instruction Letter is legitimately evidenced in Art. 13 “Special Conditions in favour of End-Clients” in the “Agreement” by and between, here in this case UBS and the Financial Intermediary. It shall be mentioned, that the proposal to such Instruction Letter comes from the big Swiss banks directly. And, as such, the Financial Intermediaries  approve the content of the Instruction Letter!




III Conclusive




The present dissertation is merely intended as a basic outline of the investment opportunity of the principal. It does in no way implement to be of absolute character but serves as a quick overview on the parameters. It should serve as a basis for discussion and bring forth queries by the interested parties (investors).


No in-depth consideration has been given herein to the paper (bank obligations), traded in best investment in the money market, which, however, under the present structure does exclude a loss of the investment funds. This shall be left to be elaborated during a personal meeting by and between the principal and the investors, interested in participating in best investment.




Munich, May 2015




Medical centre including an humanitarian project, the idea and initial Master Plan

Initially I had the dream of creating a medical hospital, including a humanitarian section. Things evolved with time and my dream became the object, cared for by a whole team. With that said, the goal became insofar: to bring the best of medicine and medical services to the humans, versus them flying throughout the world and seeking same.


As for the country and region the team chose Jordan in the Middle East. Jordan, for it's excellent climate and it's medical community, that accomplished pioneering work in medical research and surgery in the region. In addition thereto the good geographical location of Jordan.


Interested parties may view a first architectural design of the master plan of this medical centre on the left hereto. By clicking on the image you obtain an enlarged view thereof and greater detail may be examined.


The medical centre is intended to comprise a general hospital with 1'500+ beds, based, at least in part, on integrative medecine. Integrative Medecine will be founded on Traditional Occidental Medicine, Traditional Korean Medicine (TKM) and Traditional Indian Medecines (Ayurvedic Medecine Systems). TKM differs slightly, but significantly from Traditional Chinese Medecine (TCM). In brief, TKM is an integrative medecine. Here is a good article thereon. Another hospital with 500+ beds is planned, specialized in orthopaedic and plastic surgeries, both, ambulantly and stationary. The complex of the medical centre is to have its own research and development, laboratory facilities, medical school, some 500 condominiums for nurses and general medical staff, some 60 villas for professors and doctors in medecine visiting from overseas, a superior hotel with 500+ rooms, conference and multi-purpose convention halls, a thermal wellness & adventure spa and bath and underground goods and merchandise delivery & storage, as well as car parking facilities.


For the humanitarian project, I want to include in this medical centre a 3 to 500 bed hospital for Palestinian Refugees only. Here fore it may be recommendable to purchase one of the existing hospitals in Jordan. This has the advantages, that the location thereof is well known to the public and visiting these medical facilities is assured by public transportation systems. 

Architectural CAD (Computer-Aided-Design) video of the initially planned medical centre, including the humanitarian project

Hereinafter you may view a short architectural 3-dimensional Computer-Aided-Design (CAD) - video about the initially planned Medical Centre including the Humanitarian Project. This was based on the architectural design of the master plan in autumn of 2003 on a selected plot north-west of Amman, the capital of Jordan. It gives you an idea of what the different components of the intended project were.

Download video: MP4 format | Ogg format | WebM format

The medical centre, general, an arial view from the north of the initially designed project

My concept to this medical centre, in addition to bringing the best medical services from the globe to the region, is to combine oriental with occidental medecine. Thereby merge the best of both, ancient Oriental knowledge and wisdom with the most advanced Occidental medical services, technical equipment and medicine. Oriental medecine does not mean and be limited to TCM (Traditional Chinese Medecine) only, there are also others and especially also Ayurveda from India. Ayurvedic medicinal practices are proven-out in acient texts (the vedes), dating back to more than five thousand years before present era.


Hereto on the right you see an architectural CAD (Computer-Aided-Design) arial view from the north of the initially designed project, as per the Master Plan shown above. By clicking on the image, an enlarged version thereof is presented for greater detail.

An arial view from the south-east of the initially designed project

Hereto the left is an architectural CAD (Computer-Aided-Design) arial view from the south-east of the project. This also is as per the initial design of the Master Plan, shown above. By clicking on the image, an enlarged version thereof is presented for greater detail.

An arial view from the south-east of the initially designed project

To the right is an architectural CAD (Computer-Aided-Design) elevation view from the south-east of the project. This is as per the initially designed Master Plan, shown above. With a click on the image, an enlarged version thereof is presented for greater detail.

Visit of Baqa'a refugee camp

During one of my many visits to Jordan, I was invited by a group of medical doctors to join them. They visited each week Palestinian refugee camps, among them also the Baqa'a refugee camp, the largest of them. People in need  in the camp obtained health care services and medecines from these doctors at no charges. The medical doctors told me, that their contribution of humanitarian services was merely a drop in the ocean. But nevertheless, their work was greatly appreciated and welcomed by the desparate people. In this camp I witnessed both, environmental  and health issues far beyond any imagination. It should be mentioned, that every fourth citizen in Jordan is severely physically handicapped. The population of Jordan is made-up of 80% of Palestinians.

Humanitarian project

At once during my visit of Baqa'a camp I thought to create a humanitarian project. I wanted to help these humans in desparate needs - at least for live's minimum - with medical services and medecines. It lies at hand to annex this project to the medical centre. Since the latter is to be a full-fledged complex with over thirty clinics and state-of-the-art field tested equipment the humanitarian project can be serviced at best through the medical centre