Market and Finances Articles
Market Failures And Business Cycles
- ... we are besieged by example often painful downslides of the economy, such as the Great Depression or the nerve wracking periods such as Stagflations? ...
Korean Credit Card Market
- ...the black market made it too complicated for the authorities to lead the economy. In this case the enforcement of cashless forms of payment such as ...
ISLAMIC FINANCE AND STANDARD SETTING
- ...d that
international accounting standards were inadequate to meet its needs. The
Accounting and Auditing Organization for Islamic Financial In...
Orchestrated Assault on the Dollar
- ...ssions from the board rooms of multi-national corporations to the trading rooms of the forex community. Not just the ones in the United States but ...
AIMS OF FINANCIAL PUBLICITY
- ...e its ultimate
ability to appreciate the invested dollar.
• To demonstrate specific capabilities about the company—its abiliti...
CATEGORIES OF BUSINESS NEWS
- ...nd reporting financial performance. It
may be material, or may be just background. Evidence of a potential oil
field, neither proven nor explo...
MODERN PORTFOLIO THEORY
- ... increasing use of MPT warrants at least a minimal understanding of it.
Essentially, Modern Portfolio Theory is predicated on a concept that
Forex Demo Accounts Explained
- ...nts and staff ask me what are views on the use of Forex demo accounts. Bottom line is I am very pro demo accounts. To the point where I have a demo ...
- ...It also
poses a great many questions. And it behooves the corporation to anticipate
these questions in order to prevent misunderstanding or misinter...
COST OF CAPITAL
- ...has a very high debt in proportion to its equity—is also in serious trouble.
The expansion-minded company is always viewed in terms of its ...
- ...he value of an investment is derived from its cash flow—the organization’s
basic cash-in, cash-out.
Basic cash flow is most ...
THE OVERSEAS MARKET
- ...in the market. PaineWebber might have been an exception, at least in London
and Paris, but Merrill Lynch and most others made compa...
in annual and interim reports, and is readily found on the internet and web
sites, and for larger companies, in the business and fina...
THE EARNINGS RECORD
- ...;re based on non-comparable
asset values, be made comparable to the earnings reported two years
ago? Thus, earnings are relative to many other...
actual operations. Ratios, like any statistics, are a still picture of a
corporation frozen at the moment the picture was taken, while the cor...
FOREX (Foreign Exchange Market)
- ... banks. Many scams have been emerging in the FOREX business, because foreign companies and people are establishing online to take advantage of people ...
Making Microlending Work
- ...Sudan Microfinance Institution. From SUMI, Rose took out a loan equivalent to $100-a large sum considering Rose started her business with the mere equ...
Payroll: Are you doing it right
- ...an trigger a range of consequences from staff discontent through to industrial action. An error in underpaying or overpaying an employee can cause pro...
- ...re equal to or exceed (1) the total costs to build it, (2) entrepreneurial profit and (3) an adequate return for the capital invested to develop the p...
A recent history of Islamic banking
- ...ountries. The bank's articles of association stipulate that all its business should be conducted in accordance with Islamic Shari'a law. Its success c...
An Introduction to Creative Financing
- ...inancing than just getting around the banks, and these days knowing your options can dramatically expand your real estate investing potential. Here ar...
What is the Depository Trust Company
- ...des. So when you tell people that the DTC holds more than $40 trillion of securities in its custody, it's understandable that they want to know more i...
Latest "Market and Finances" Articles
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How fast is your credit card processing
(...) They generally do this to counter examine in case you do possess the capacity of spending for a number of credit cards so they will not get stuck an individual that cant. And when you receive passed this stage, still with minimal harm to your ego, the following step within the credit card processing phase is to confirm your identity like a US citizen.Because of the US Patriotic Act, everyone trying to get anything in the US is needed to have their identities verified because they do not want terrorist obtaining something within US soil especially obtaining previous credit card processing. (...)
Information on Acquiring Uk Credit Cards
(...) In the US alone, more and much more Americans are using credit cards because from the monetary comfort it brings. When it comes to the Uk, studies display how the Britons owe hundreds of millions in credit card debts. Being a flexible and accessible technique of acquiring credit, numerous Uk credit cards are becoming offered by major lenders to provide ultimate comfort towards the consumers. (...)
Find Unclaimed Cash Listings in Local Newspapers
(...) Popular and most widely circulated newspapers are being utilized to advertise the unclaimed cash list.
Any newspaper report acts as a record and can be utilized for reference at any point of time. Some of the most proactive states who have taken the first step towards utilizing the newspaper for publishing the unclaimed cash list are. (...)
Unclaimed Cash Remains a Concern for U.S. States
(...) ; all PR tactics have been utilized to reunite the rightful owners with their lost money, but not with a lot of success. A common belief has been established within the state treasury heads that the use of digital promotional tools is far more effective in its reach as compared to the traditional tools of advertising and promotion. This fact is validated by the Great Iowa Treasure hunt which was not very encouraging for the organizers - as confirmed by the Iowa State Deputy Treasurer Karen Austin. (...)
Californias Unclaimed Property Still Rising
(...) "It was shares of stock," said Deborah Brueggeman and that she had apparently inherited them from an uncle who was now deceased. Other news regarding unclaimed funds in California was about the Oprah Winfrey show: In one of her episodes related to the unclaimed funds, Oprah managed to unite $70,000 with the rightful owners in the audience.
The unclaimed money vault in the state of California collects almost $300 million every month, which is approximately $5 billion annually. (...)
Bookkeeping: Past and Present
Pacioli noted that prudent business practices require a sharp bookkeeper, diligent eye on cash and inventory, and the creation of a "day book", which later became known as a ledger. Pacioli wrote that all things pertaining to business must be recorded in the day book.
The necessities in medieval times that brought about the evolution of bookkeeping included:
Property rights and changing ownership
Wealth and the existence of credit (present use of future goods)
Organized, wide-spread commerce (not just local trading)
Recording of facts in a common language
Exchange of money (the common denominator of all business transactions)
Although Bookkeeping (again, sometimes misspelled book keeping or bookeeping) has evolved through the years from clay tablets, to paper ledgers, and now computerized systems, some of the same problems that plagued ancient bookkeepers still exist. (...)
Invest in Retail Security
(...) One device you can use is a closed circuit television (CCTV) system. For businesses that cannot afford a retail security guard, video cameras are an excellent way to keep an eye on customers. If you suspect any suspicious activity or if a crime occurs, you can always review the tapes. (...)
Before banking learn to negotiate
(...) You either get what you want, or you get more information for the next discussion.
Instead of "Can I do this?" ask "How can I do this?" The first question invites a yes/no response, which typically results in the end of the conversation. The second question is an open-ended question that invites your bank representative to work with you and find a solution. (...)
What happens at a foreclosure
(...) Then everyone goes back to the office, where people prepare deeds and exchange money.
Even if you are not yet ready to buy any particular property, start going to local foreclosure sales or other creditor auctions. You will gain a sense of the players involved and the local etiquette regarding how things are done. (...)
Commercial property market
(...) In contrast to the residential property market, which is affected by the interest sensitivity of private households, the office and industrial markets are expected to continuously show low vacancies and solid rental growth rates in the next 5 years.
Moreover, the South African commercial property market is characterized by a strong demand for investment-grade properties by institutional investors, listed property companies and private equity investors, a demand that is not met by the current stock.
The retail sector has benefited from the high consumer demand in general, and the emergence ofan affluent Black middle-class of2 million Black South Africans , in particular. (...)
Contractual agreements in the housing market
(...) It provides that no landlord can eject a tenant arbitrarily. Nevertheless, a more formalized system for private rental agreements is needed to protect tenants from being evicted as a result of market forces driving up rents. Most rental agreements are informal, and many landlords prefer it that way for tax avoidance and ease of eviction reasons. (...)
State housing policy initiatives
(...) Loans were provided to over 3,000 Ghanaians, with building materials and serviced sites provided for those who wanted to build for themselves. Mass production of housing units for public sector workers was also embarked upon by the government as a means of ensuring that people had access to shelter at an affordable rate.
The government invested GB £9,100,000 in state housing institutions, which enabled the State Housing Corporation (SHC) and the Tema Development Corporation (TDC) to respectively deliver 1,052 and 10,700 low-cost housing units for workers. (...)
Impact of housing policies
Another critical constraint in the housing system is lack of building materials, finance and appropriate technologies for housing and land. The undefined nature of land ownership in some circumstances, coupled with the lack of an efficient system of registering titles to land, are factors which bear on the extent of participation in the real estate market.
The combination of these factors led to policies and programmes that promoted the production of housing units, the cost of which were so high as to be affordable to the low-income group. (...)
Features of the mortgage market
(...) Just 5% of Ghanaian families live on incomes of more than US $100.00 per month. Sixty-six percent of households do not rely on a regular wage or salary for their livelihood and only 18% are able to save money monthly. (...)
The Home Finance Company: HFC
(...) is not attractive enough, in spite of the fact that they would bear only 10% default risk. Second, high interest rates on treasury instruments, averaging about 28.2% p. (...)
Housing finance and the economy
Economists andpolicy makers have isolatedat least five main economic andsocial policy issues that arise from a successful reform effort, andwhich wouldbe of particular significance to developing countries such as Russia, India and China.
1. Social impact. (...)
Russia India and China: economic problems
(...) 4 In 2000, China andInd ia had38 and24 million-strong cities, respectively, andalthough the Russian population is projectedto decrease, the urban share is slatedto rise due to reform in the countryside. The combined urban population of India and China alone is more than 850 million with approximately 200 million households. The potential home-owning populations in India and China typically have high savings rates,6 but low income-to-house price ratios, anda generally heightenedsociocultural preference for homeownership
Lack of credible alternative investment channels and riskier returns on stock markets have sometimes resultedin hoarding of precious metals (e. (...)
The incomplete nature of financial markets in Russia
According to Skyner (2005), the underdevelopment of mortgage lending to individual households in Russia can be explained quite simply by the lack of demand, which in turn is due to high credit risks resulting from the lack of security of title, lack of financial depth that translates into high interest rates on mortgage loans, the limitedlong-term credit resources of originating banks resulting from the failure to develop secondary market financing, lack of transparency, andthe current structure of public subsidies, among many others. As Skyner says:
Compounding the problem, the lack of trust towards financial institutions by the population does not tend towards indebtedness … The residual risk from the macroeconomic crisis of 1998 and the constant threat of inflation have kept mortgage interest rates high … andthe concomitant lack of long-term pricing benchmarks has kept mortgage maturities relatively short.
The incomplete nature of financial markets andlack of participation by insurance or pension funds further exacerbates the problem. (...)
Housing stock in India has traditionally been privately owned
The major impediment in developing a housing finance sector is still the non-availability of long-term resources andinad equate mobilization of dormant untapped funds. Mortgage securitization, one of the sources of long-term, decentralized finance for the housing sector, is still in the pilot stage in India. The National Housing Bank is confronted with regulatory constraints andsequencing issues. (...)
China has three different types of home mortgages
Three different types of home mortgages were promotedtowardthe end of the 1990s in Beijing: the housing provident fund mortgage, commercial bank mortgage andhybridmortgage (combining the two). In the recent past, most housing purchases were the result of sales to the sitting tenants by work units (as a part of the broader process of privatization of state-owned enterprises), andthe price was relatively low; of course, there was little needfor a mortgage. With increasing provision of high-quality commercialprivate housing, the demand for mortgages has increased, and of the total loans issued, 80% of the funds are now used by highly-paid private-sector employees, in a situation somewhat similar to that in India. (...)
Emerging economies face a myriad of issues
Socioeconomic variables, such as the urbanization rate andhouseholdsize tendto play an important role in the determination of the shortfall. Of course, considering the potential inconsistency of data across diverse countries and the endogeneity of many variables, particularly in a benchmarking-calibration context, we recognize that our results shouldbe taken as 'suggestive', requiring additional empirical refinement.. (...)
Housing finance is not neutral to economic development
(...) Even for higher income emerging economies, there are veryfew comparative studies.
When it comes to what to do in emerging financial markets, views of mortgage market development policies remain framed bythe experience of a few high-income economies, especiallybythe remarkable rate of innovation in the US financial markets during the last 30 years. However, in shaping a mortgage finance development strategyfor an emerging market, can a direct transfer of institutional arrangements found in advanced economies be readilysuitable? Whyis it that so manyattempts to introduce mortgage securitization in emerging economies have met with so little success?
The absence of comparative studies of mortgage finance systems in emerging economies might be attributed to their potential cost, the scarcityof relevant skills, the lack of private profit incentives for global investors to fund such work and, from the viewpoint of regulators, to the perceived lack of systemic risks that a fragile housing finance system might create for regional or global financial markets. (...)
Recurring issues in developing mortgage markets
(...) The smaller a financial system, the more incomplete its range of financial instruments and services is likelyto be for risk management and for funding.
Global comparative data on financial systems from the International MonetaryFund's (IMF) International Financial Statistics, together with the demographic and economic structure of their economyfrom the World Bank's Development Indicators are available for the year 2000.8 This database covers 183 countries and shows that manyfinancial systems are in fact extremely small: that year, 63 countries had an aggregate financial sector size (measured by money supply M2) of less than US $1 billion, that is, no larger than a single small bank in an industrial country. (...)
The development of the housing finance system
(...) By the end of 2003, the commercial banks operating in the Czech market reached 35, of which 17 were foreign-owned entities and 9 were branches of foreign banks. The C eskoslovenská obchodní banka (CSOB), the C eská sportitelna and the Komercní banka (KB) are clear market leaders accounting for 64% of total banking assets and 74% of deposits.
These three largest Czech banks operate as part of financial services groups, typically including insurance, pension fund, asset/investment management, leasing and other financial services providers. (...)
Housing finance system in Hungary commercial banks
(...) By following such principles over two decades, the proportion of privately owned homes reached 70%. The large state-owned bank (OTP), supported the early move towards housing privatization by issuing mortgages, albeit heavily subsidized, which placed a heavy burden on the state budget.
Despite the continuous contribution of the government's direct and indirect subsidies, there were positive signs that a more active and competitive private lending market was emerging. (...)
Forex Trading Secrets to Really Boost Your Profits
(...) These robots are sophisticated enough to actually buy and sell instead of just enter and exit the market.An additional important feature of the best forex robots is their money management facility. The robot will systematically vary the size of each trade to avoid taking large risks and trying to maximize the return on investment with the element of caution. (...)
Do You Need to Use Forex Trade Signals to be Successful
(...) It would be in your best interest to learn these patterns and what they mean when they appear.This is only the starting point for getting the information necessary to successfully predict trades. Additional indicators must be used in conjunction with the chart patterns to get a clear view of direction. (...)
Profit With These Currency Trading Tips
(...) Very often the correct trading necessitates a lot of waiting. An impatient trader very often enters the market at a price that has every chance of improving, lacking the patience and self control to maximize the opportunity. A similar situation occurs when a novice trader exits the trade to early, more comfortable to recieve a smaller profit rather than hold out to get a larger one. (...)
Escaping the Vicious Cycle of Recession
(...) Because people are not buying, sales fell to a historical low while inventories piled up in stockrooms. Unable to sustain its target profit margin, these groceries, big and small, resorted to measures to quickly fix the problem. However myopic the strategies may seem, these groceries just have to cut its losses by laying off some of its personnel. (...)
How Much Cash Is There In The UK In Circulation
(...) Instead, electronic entries between accounts are sufficient without the need to produce hard cash.
Increasingly this is the case with consumers too. Cash is bulky, easy to lose or have stolen and difficult to keep in large quantities. (...)
IMD Professor Nikos Tsikriktsis weighs in on Greeces economic crisis
(...) While other countries in Europe may have debt, they have been able to make their minimum payments because they do not have this same problem of cash flow. How does Greece move forward? Professor Tsikriktsis: In the short term, it was necessary for Greece to do what it did - to get money from somebody else. Unfortunately, there is not a magic short-term solution. (...)
Why you would need to consider inflation economic decisions
(...) In the case of collective bargaining, wages will be set as a factor of price expectations, which will be higher when inflation has an upward trend. Inflation begets further inflationary expectations
People tend to buy consumer durables as stores of wealth in the absence of viable alternatives as a means of getting rid of excess cash before it is devalued, creating shortages of the hoarded objects
When prices are constantly changing due to inflation, there is not a constant price for a goods and due to the price change, sellers and agents are slow to respond to market need of goods. The result is a loss of allocative efficiency
With high inflation, to increase the costs of goods firms must change their prices often. (...)
Watching the Economy Recover
(...) Often times communities may forget that small businesses are an important part of community. With so many continuing to close down we can also guess at the influence this might have on communities.
It's important to realize that spending money gives people confidence. (...)
Automatic Forex Trading: Ways to Quick Profit
(...) One particular type of money is purchasing money from another country. The exchange rates are not the same. Sometimes it takes months to learn the money exchange trends from other countries as well as the international commerce among other factors. (...)
France: Number One Destination for British Purchases Abroad
(...) The moderate weather draws many British expatriates, as does the relaxed French lifestyle, the exquisite cuisine, and a health system ranked as one of the best in the world.
While cost of living comparisons realistically depend on individual lifestyle, France has the sixth ranked economy globally. Food and drink costs are significantly lower than in other European nations. (...)
Highs and Lows of Online Commodity Trading
(...) The commissions charged by traditional brokers are way too expensive in comparison to the commission charged by the new-age online commodity brokers. That gives you an advantage and the feasibility to venture into a wider range of trading like day trading, spreads, short-term trading etc, where you can profit.
In online commodity trading, the pace of execution is very fast. (...)
Types of Banks and Banking Jobs in India
(...) This article discusses the types of jobs available in different types of banking services.
Corporate or Wholesale Banking involves selling of banking products and services to government agencies, enterprises, corporate houses and other institutions.
Corporate banks offer comprehensive financial solution related to business accounts and investments. (...)
International Basel II Training: More Important Now than Ever Before
(...) Basically, the bank should not lend out more than it has in coming in or in reserve. Pillar One of Basel II addresses capital requirements. In order for a bank to determine how much capital it should keep in reserve, the bank must calculate its credit risk. (...)
Stimulus Dollars Makes Debt Settlements Easy
(...) Some people have also become eligible for the debt relief programs introduced by the current federal government. All these measures have been taken to encourage both the debtor and the creditor to play their role in re-building the shattered economy.After the injection of stimulus cash into the market, and the fear of getting nothing against the unsecured debts, the creditors are willing to accept debt deals which enable them to receive only a fraction of the total balance. (...)
What is the Depository Trust Company
(...) This involves using an affirmation system designed to ensure that there are no discrepancies between the internal trade information and the information supplied to the DTC.
Along with providing clearance and settlement services, the DTCC also provides financial services software designed to streamline processes and hasten clearance of transactions. For example, the DTCC recently announced the launch of "Attachments," a new electronic solution designed to streamline the processing of required paperwork and signatures for pre-sale and post-issuance transactions in the insurance industry. (...)
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