19/11/2019 Finance makes the world a new place

The Shot Heard Round The World!

The Shot Heard Round The World!

As I expected, the U.S. downgrade by S&P was going to be a lot worse for the stock market than for treasuries. This came as major surprise for most people as it is counter intuitive. The reason being is that it was not so much a loss in confidence in the ability of the U.S. Government to pay its debts as it was a signal that the free spending ways of the last 50 years is ending. History shows that sovereign downgrades spark action in governments to tighten their belts and cut budgets. Less spending, whether it be in employment, infrastructure or social services including Social Security and Medicare means less aggregate demand in an economy and thus less revenue and profit.

In simple terms, the downgrade applies very little to the creditworthiness of U.S. Treasuries, even though we are now rated below Finland, Luxemburg and the Isle of Man. It was only S&P that downgraded us, while both Fitch and Moody’s left the triple A rating. The real effect, and what it really means to you and me, is that it is going to light a fire under our politicians ass to cut spending at a time when our economy is already incredibly fragile from not enough spending and consumer demand (70% of our economy is consumer spending) from our aging population which naturally spends less as it gets older and an already massively indebted population who has no more spending power.

With the recent drop, there is a lot of talk about this being similar to last year’s correction. This is not D?j? vu all over again. The global economy is slowing and the global debt crisis is getting more intense, and it’s not just a U.S. problem either. It is a global problem, particularly amongst the developed …

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4 Ways to Get Funding for Your Business

Home offices are becoming a trend because people can easily connect via the internet. They can start their own business at home, selling software, solutions, arts and crafts, or build their own design studio instead of working for an agency. These are all possible with enough funding coming from personal resources, bank loans, venture capital, and crowdfunding.

Personal Resources

4 Ways to Get Funding for Your Business

You can always start by funding your own business. A lot of employees work hard to save up for a future business venture, so they can leave their old jobs and be their own boss. However, not everyone has the capacity to fund their own business, but they can still rely on family and friends for financial support. It will just require a bit of encouragement and reassurance to convince your family or friends to lend a hand.

Venture Capital

Venture capital is a good opportunity for any well-developed business model. Here, you have the chance to get funding and support from investors. A venture capitalist will have control over major decisions for the business and probably have a portion of ownership. This is ideal for the early stages of a business with potential for rapid growth. Many software developers rely on venture capital because innovative technology is one of the top businesses that investors are looking for. The potential to be as big as Apple, Dell, or Facebook is interesting to many venture capitalists.

Business Loans

If you have good credit standing, you will have a good chance of getting a loan for your business. Make sure you have a foolproof and impressive business plan to begin with. They will review your credit standing and business plan to see if you are fit to be awarded a loan for your project. For those with bad credit, many experts suggest that …

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From Record Keepers to Strategic Advisors

Opportunities for finance

The finance department sits at the heart of any organization. Part of its job is to collect, disseminate and analyze financial and non-financial information – a somewhat time-consuming and laborious process. Finance can therefore be a powerful agent of organizational change. It can use the information that it collects to assist decision-making, achieve objectives, and avoid problems.

However, a lot of finance departments are spending too much time and effort creating financial documentation, and not enough time analyzing their data. This is where Business Intelligence comes to the rescue. Adopting BI practices frees the finance team from manual data collection and report production so that it can engage in more value-added activities.

BI tools can assist with the creation of a data warehousing environment that contains all the data that the finance department needs, with the appropriate rules and calculations already applied. They will also provide reporting, analysis, dashboard, and planning tools that access the data warehouse sources, as well as empower finance users to explore data on their own without help from their colleagues in IT. Once a solid BI infrastructure is in place, the finance department can spend 80% of its time analyzing data instead of collecting it (Wayne Eckerson, 2010).

Imagine a future

– where the CEO calls a meeting and everyone agrees on revenue, profit, and cost numbers, and decisions are made based on facts, not gut feel, tradition, or arm twisting.

– where a CFO checks the company’s overall profit and loss position daily and, with a few clicks, views the contributions of every region, group, and product line, and then drills down to view individual orders and expenditures at a product, customer, or supplier level.

– where a controller can automate the standardization of financial transactions across a global …

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Payday Loans – The Good and the Bad Points

Due to the credit crunch, which has affected people across the world, getting short-term loans from traditional lending institutions has become quite difficult. While traditional banks are hesitant to give out short-term loans to people, payday loan lenders are still very active in providing loans to people. Prior to taking out a wage advance loan, there are several advantages and disadvantages that must be considered.

The first advantage of cash advances is that they are a very quick way to get cash. While you may manage your daily expenses well, there are situations when you may need to pay for something immediately, but do not have the immediate liquidity to do so. In a situation when you don’t have access to the money you need, a payday loan could give you the money you need. In many situations, you can receive your loan proceeds deposited into your bank account within just a few hours of applying.

The second advantage of payday loans is that they are easy to receive. They do not require any form of collateral verification or credit checks, which typically take traditional mortgage lenders weeks to accomplish. Instead, a the lender will just need to verify that you are still employed, and confirm how much money you make by reviewing some recent check stubs.

The third advantage of wage advance loans is that they can help you build your credit score. Not only will repayment of your payday loan be a positive mark on your report, but by getting the loan proceeds, you will be able to pay all of your other monthly debts on time.

The main disadvantage of payday loans is that they come with high interest rates compared to other types of loans. Interest rates on these loans typically range from 15% …

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Finance Weekly News Update 2018 Pearson Finance News today

Finance Weekly News Update 2018 Pearson Finance News todaybusiness plan contohThe Wall Street Journal is the widest circulated newspaper in the United States with a circulation of over 2 million copies. Why would hedge funds participate in unity and why would banks benefit? The answer is an effortless one particular. Hedge Funds had the energy to take the market place down as they sold great stocks in order to deleverage their positions. And they have the power to drive the market back up. Hedge funds have an interest in assisting their counterparty buddies, the massive banks. Hedge fund see forward and see a lull in poor news. They have the potential to get out of the market place on a moment’s notice if undesirable news is worse than anticipated. Trust me, this approach is rigged.

Good news travels and if you are undertaking a great job it will not take long for individuals to ask you if you have space to clean for their pals and households. I have been operating a modest housekeeping enterprise for a lot of years and have not spent a dime on marketing given that my 3rd month in company. I do not have company cards and I turn down much more function than I can even feel about. There are weeks when I get as a lot of as 4 requests to clean for new buyers and I have to turn them down. That is due to the fact I have all I want to do. Reputation is everything in this market and if you work challenging, stay trustworthy and do a consistent job, you can make a excellent income by operating a housekeeping company.

Distribution focuses on making sure these merchandise reach the customers by way of an organized network of distributors, warehouses, and retailers. Although usually applied to manufacturing and …

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