tag:blogger.com,1999:blog-68496367382241439092024-01-01T11:32:15.722-08:00News FinanceInformation And News About Finances in Land Business EconomyAnonymoushttp://www.blogger.com/profile/11590561938983295861noreply@blogger.comBlogger5125tag:blogger.com,1999:blog-6849636738224143909.post-40080982402093145482012-04-10T01:11:00.000-07:002012-07-10T01:12:06.839-07:00What Are Structured Products?<div style="text-align: justify;">
Since the end of the 1990s a new kind of class of financial instruments became popular, the so-called Structured Products. Structured Products are defined as a combined form of classical investment types with a derivative. They as well have fixed duration. All conditions are defined prior to the issue of the Structured Product and valid over the complete term.<br /><br />Three different kinds of Structured Products are available:<br /><br />1. Structured Products with capital protection: As they are an alternative to debenture loans, this category of structured products is characterized by an agreed repayment at the due date. Furthermore an additional return can be earned, if the expected market scenario is taking place. So the attractive return potential, which has far less risks as traditional investments, is one of the biggest advantages of structured products with capital protection.</div>
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Nevertheless also risks are of course bound to this investment option: Mainly the credit risk and the risk of changes in the share price, if you have to sell before the due day have to be named. And as also mentioned at the end of the article the capital protection can be sometimes dearly bought with high and very often inransparent fees in combination with an acquisition fee.<br /><br />2. Structured Product with maximal return, which are an alternative to classical shares. Generally SPs with maximal return are structured with the buy of an underlying asset and the sale of a call-option or the buy of fixed-interest investments and the sale of a put-option. An advantage is that the investor abstains at a certain point from the earnings potential and gets compensation in form of an interest payment. An optimization of the return can be mostly expected, if a sideways movement of the stock market happens. Main risk is here is once again the market risk, especially which is base of the underlying asset.<br /><br />3. Certificates are as well an alternative to shares. A concentration on a certain market, region or branch could be beneficial. As the performance is traceable at any time the significant market risk can only be avoided by spreading.<br /><br />Furthermore all Structured Products can be sold at the secondary market.<br /><br />There are several advantages of Structured Products. The fact that for nearly every market expectation, every approach to risk and therefore every return goal, as well as for the most different asset management needs a specific, individual and customized product can be designed very quickly. It´s much easier access to new markets like raw materials or emerging economies, which was so far available only for institutional investors. Thanks to the derivate in the product basket a positive return can be reached not only with rising but also with stagnating or even falling markets. Plus, the fact that transaction costs can be minimized as a product basket with derivate, underlying assets and an interest payment can be bought in comparison to many single products - in the same way the risk is spread to a range of different assets.<br /><br />On the other side Stuctured Products are often considered to bear the following risks. Intransparent and high fees, as only the issuer knows the exact amount and no standard calculations are available. Investors - especially in the private sector are faced with a wide range of products, that are neither categorized nor standardized but named with fantastic and promising titles. So it is very complicated for non-professionals in that area to evaluate the product.<br /><br /><br />Article Source: Andreas Grau<br /><br /></div>Anonymoushttp://www.blogger.com/profile/11590561938983295861noreply@blogger.com0tag:blogger.com,1999:blog-6849636738224143909.post-45426994508021896862012-04-09T01:09:00.000-07:002012-07-10T01:09:49.846-07:00How to Make $1000 Tomorrow!<div style="text-align: justify;">
Can you make $1000 tomorrow? Well the answer is yes. People, many people, do it each and everyday. There are many varied and exciting ways to make one thousand dollars and you'll be glad to know you don't have to sell your body or become a hit man in order to accomplish this goal. Thanks to our old friend the Internet, it can now be done in the comfort of your own home or anyone else's who has a computer and Internet. And let's not rule out your mobile device but personally I don't like doing a task like this on such a small screen but if that's all you got, it will indeed work. Let's take a look at our options -<br /><br />#1 - One of the best and fastest ways is to make money fast is on eBay and the best way to do that is have a product... for instance a lamp you found at a garage sale for $25 that you now know (because you researched the same item on eBay), easily sells for $1200. So in this case you list you lamp for $999 and list it under the "Buy it now" instead of the regular auction which will take either 5 or 7 days.</div>
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Though there is no guarantee, this lamp you bought for $25 could easily sell in a day. Or less as the price is right and we know there's a market for it. Also, look around your house (or your parents) for items that you no longer use but could have a decent resale value. Then research them on eBay and find out what kind of value that might be. You'll often be surprised. And you don't need a big winner to provide the full windfall. You can more easily find 3 or items of lesser value to put on eBay and you're good to go.<br /><br />#2 - Another great way to make money quickly and without sweating (which certainly is one of my top priorities) is to take online surveys. These range in fees from $5 to $100 and more depending on what company is hiring. One big caveat - don't ever pay a company for the privilege to take one of their surveys. This is "scam" time. Go to the next. There are plenty of legitimate survey companies out there. The two best companies are American Consumer Opinion, and Global Test Market. They are professional and on the up and up. And keep in mind that most surveys can be completed in 20 minutes or less.<br /><br /><br />Article Source: Rick Mowat<br /><br /></div>Anonymoushttp://www.blogger.com/profile/11590561938983295861noreply@blogger.com0tag:blogger.com,1999:blog-6849636738224143909.post-49560429188186037672012-04-08T01:07:00.000-07:002012-07-10T01:08:00.620-07:00What You Can Do To Manage Your Money<div style="text-align: justify;">
If you don't properly manage your finances, you can suffer physical and emotional consequences. Read on for some tips on managing your finances.<br /><br />Make sure you stay on top of your credit score. If you want to have low interest on a loan or credit card, you will need to have a good credit score. Low credit ratings also can prevent you from purchasing your dream home or getting credit when you need it. Use your credit proficiently to protect your credit score.<br /><br />Use your tax return to help reduce the amount of your debts. Rather than repaying their debts, most people go shopping with their tax refunds. By doing this, the debt is still there, even when the money isn't.</div>
<a name='more'></a><br /><br />When you're having trouble getting rid of credit card debt, avoid adding new charges. Cut your spending and do everything you can to avoid maxing out any of your credit cards. Be sure to pay your monthly balance prior to starting to use your card again.<br /><br />If you are going to make little purchases, carry cash, bank checks and a debit card. Merchants are allowed to establish a minimum account for credit cards or bank checks.<br /><br />The balances on your credit cards affect your FICO score. Your score may be lower if your credit cards have a high balance. On the other hand, when you pay off your credit card balance, your FICO score will improve. Do your best to keep your balance below the maximum credit limit by 20% or less.<br /><br />If you are thinking about buying a new house, you should build your credit score to begin with. You can either pay back your small loan or get two cards with the balance. You need to pay your card as a whole on all of your bills.<br /><br />Many products out there have some kind of a warranty on them, and if something should go wrong with the product, it would tend to happen during the period of the warranty. Extended warranties only serve to profit the company you bought them from.<br /><br />Consider adding international investments to your portfolio. No-load mutual funds are the safest way to make foreign investments and are not as volatile as individual stocks.<br /><br />When you are married, the spouse that has the better credit should apply in their name. If your credit is poor, take time to start building it up with a card that is regularly paid off. After achieving good credit scores, spread the debt between both of you.<br /><br />Try negotiating with collections agencies. These agencies bought your debt for pennies on the dollar. They will make a profit even if you pay a percentage of your debt. Use this to your advantage when paying off old debts.Find out how much you can spend and create a budget on your findings Find and target areas where you are spending too much money. Not tracking your money and where you spend it is one of the main reasons people end up in debt and with no savings. In order to make this less stressful and perhaps more interesting, you can use personal finance software. If there is money left, you can use these funds to pay off debt or put it into a bank account.<br /><br />Avoid using credit cards instead pay with your business checks. Also find ways to reduce interest payments on other loans such as car loans and your mortgage. It is a waste to have to pay interest. If you are wanting to maintain a comfortable lifestyle, then you should always avoid interest payments whenever it is possible.<br /><br />Always review your bank and credit card statements for accuracy. This way you can make sure the fees and rates have not quietly increased on you. Many folks don't review bank statements and end up paying more in fees than necessary. Read your statement carefully each month for the reason.<br /><br />Bear in mind that moving for work can mean that the higher salary you are receiving, is indicative of the cost of living. Take a hard look at average prices for rentals, homes, food and utilities for that area so you know what to expect.<br /><br />By working on your finances, you will have a good picture of where you stand financially. Having your finances in order will help reduce the amount of stress you are feeling and will allow you to pay attention to other aspects of your life which may be getting neglected.<br /><br /><br />Article Source: Brian Apre<br /><br /><br />Anonymoushttp://www.blogger.com/profile/11590561938983295861noreply@blogger.com1tag:blogger.com,1999:blog-6849636738224143909.post-50581471342684778342012-04-07T01:04:00.000-07:002012-07-10T01:04:56.826-07:00How To Not Hate Keeping Your Monthly Bills Organized<div style="text-align: justify;">
Let's face it, paying bills is one of those things in life we can't dodge. It's no fun, and it takes a lot of time, but it's got to be done to avoid future headaches. Even though we can't avoid paying bills doesn't mean it has to be dreaded.<br /><br />Schedule-<br /><br />Most people, at least the average person, pays their monthly bills when you get them. That can make it feel like you're paying bills all month long. However, by picking a couple of days during the month as "bill pay" days, it's a lot less stressful especially if you schedule them the day after pay day. On those days, gather all the bills that have come in and pay them. Bills that come in later can usually be safely put aside until the next scheduled bill day without being overdue.</div>
<a name='more'></a><br /><br />Organize-<br /><br />Set up a bill paying station. Keep everything you will need close at hand: pens, calculator, personal checks, files. This will save you the frustration of having to locate everything every time you need to sit down and pay your bills. You'll also want to ensure your workstation is close to your computer as well. Even if you don't pay your bills online, you might need the computer to check account balances or transfer funds. Also, have a clearly marked "in box" and "out box." This will keep paid bills and receipts separate from bills that have yet to be paid.<br /><br />Simplify-<br /><br />When you bring in the mail, you probably drop it on the kitchen table. Once you've opened it, your mail may wind up on the kitchen counter or the bedroom before it makes its way to your desk. Every time you handle your mail, you're adding extra work. Instead of messing around, when it comes in sort it immediately by throwing out all the junk mail and extracting personal correspondence and magazines and put the bills immediately on your work area. The same goes for bills and statements you receive online. When they arrive, put them straight into your "bill" file. Then, when it's time to pay your bills, they will all be waiting for you, and you won't have to waste precious time looking through piles of junk mail -- or spam -- to find them.<br /><br />Reward yourself-<br /><br />Paying your monthly bills most certainly isn't any fun. So, reward yourself when you're finished. Make your "fun" plans before you sit down to pay bills so you've got something good to anticipate. It can be as simple as a walk in the park, a favorite candy bar or a half hour of surfing through YouTube. Regardless of what you decide to do for fun, make sure you go ahead and do it since you've definitely earned it.<br /><br /><br />Article Source: Evelyn Oakley<br /><br /><br />Anonymoushttp://www.blogger.com/profile/11590561938983295861noreply@blogger.com0tag:blogger.com,1999:blog-6849636738224143909.post-16169349186361462552012-04-06T04:35:00.000-07:002012-07-10T00:57:35.110-07:00US Dollar Existence - Threatened by Game Changing Events<div style="text-align: justify;">
The first event occurred in early 2011 when Venezuela's President Hugo Chavez announced that Venezuela was taking back all the country's gold bullion held at the Bank of England. While announcing this, construction was already underway to build vaults at home for storing Venezuela's 200 plus tons of bullion. Delivery of that bullion occurred before the end of the year. The event by Venezuela to repatriate all the country's gold is significant. This is the first global warning sign that both the Bank or England and the New York Federal Reserve Bank now, are seeing a loss of confidence among nations still storing their bullion in their vaults.<br /><br />There is a high probability that some of the bullion stored in these banks vaults is in fact, no longer there. Instead, some of the bullion stored has likely been replaced with I.O.U's. Hugo Chavez was first in line, demanding the return of Venezuela's gold. This is the first sign, a game changer, towards the demise of the dollar and all other fiat currencies.<a name='more'></a> </div>
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If more depositor nations line up asking for their gold to be returned a global panic will develop. From this point there could be a race among the rest of the depositor nations, to reclaim their bullion before the actual gold still in storage is all wiped out.<br /><br />The second significant event occurred towards the beginning of February this year. India has now made a deal with Iran to directly buy oil by paying for it with gold, thus scrapping the dollar. This is another huge game changing event, because this move by India and Iran directly threatens the existence of the "petrol dollar". All of the oil that is purchased around the world must be paid first by exchanging the buyer's national currency into US dollars, then make payment for the oil purchased with US dollars. Because US dollars have been the international medium of exchange for buying oil since the dollar became the world's reserve currency after the Bretton Woods Agreement was signed in 1944.<br /><br />The problem now is that India has found a way to avoid using the dollar to pay for Iran's oil. If countries suddenly are no longer required to convert their currencies into dollars to buy oil, and allowed to use their own national currencies or gold to buy oil, the status of the dollar as the world's reserve currency will be threatened. At some point if this situation were allowed to continue the destruction of the dollar itself, would be imminent.<br /><br />These two game changing events and others that more than likely will follow in time will create the conditions of game, set and match. Or game over, with the destruction of all fiat currencies seen before the end of this decade. Protecting yourself and your assets is a must in this climate. The greatest asset protection you can own is physical gold and silver. Because throughout history these precious metals have always maintained their true value regardless of any economic conditions they faced including hyperinflation and the destruction of paper money.<br /><br /><br />Article Source: Tom Genot<br /></div>Unknownnoreply@blogger.com1