Archive | Finance

Know the Dynamics of Finance Operations in Business

  The financial aspects of any business are co-related to gains and objectives if the enterprise and every policy, strategy, or tactic that is developed is based in the dynamics of finance operations to optimize the gains of the business. The role of finance function is to assess the potential uses of financial resources, acquire financial resources from appropriate sources, manage these resources through a system of monitoring and controls, and be accountable for the use of these recourses. Every financial transaction must be subjected to investment appraisal and the pricing strategy to be used should be designed on the break even analysis before any resources are committed. Finance resources if obtained by internal or external sources must be evaluated carefully, and the length of [...]

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You don’t need to be a financial expert to trade online

The world of financial markets can appear to be intimidating if you’re not a professional.  However, with online financial betting, the money markets just became accessible, simple to use and potentially lucrative for everyone. You will find a number of top online betting sites which are now offering the chance to bet on the financial markets.  It is important to understand that these sites never offer the opportunity to actually purchase stocks, shares or commodities.  As a result, your risk is limited. They simply allow you to make an informed decision over which direction your chosen market will move and then place a bet on it. In order to get going with regular financial betting, you first need to decide which market to bet on.  If it’s being sold on the financial markets, then [...]

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How to Avoid Litigations in Home Loans

 We all dream of buying a dream home and as the current trend demands we take home loans to finance our home deals. However, due to unforeseen circumstances or at times unavoidable incidents, at times we fail to pay our monthly EMI for our home loan, and this could turn in to dangerous situation as bankers are very strict with defaulters and may even seize your property if you miss 2 to 3 EMIs. Banks too avoid these harsh measures as they do not want long litigations as they are only concerned with the amounts they have advanced against your property and they are more interested in recovering their money, rather than indulge in legal hassles. If for some reason like loss of job, or other financial problems, if you are not in the position to pay your home loan EMI regularly, it is advisable [...]

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Depreciation calculator for when you need to track numbers

Depreciation calculator for when you need to track numbers

There are several examples of assets that would depreciate over time, such as vehicles, furniture, mechanical equipment and computers. This invisible, intangible wear and tear in a financial sense is always happening with assets even without our realizing it sometimes. I was once told by an uncle that buying a new car doesn't make any sense since the car will lose value as soon as it rolls out of a showroom. I laughed at him and considered it an absurd notion until I found out he wasn't exaggerating our wrong. That's why we need a depreciation calculator to be close at hand; to find out how much of these assets have been used up over an accounting period (months, quarters, years, etc). The depreciation calculator helps one to easily find out how much has been lost by way of depreciation and [...]

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The clash of the currencies

The clash of the currencies

It is one of those aphorisms that is just so true in the international financial community, a bit of financial humor if you will. It is said that if any high-ranking official comes out in the open and flat out denies something that is happening in the currency markets, chances are that it is true and is most likely happening. This is even truer if said official is the head of some highly esteemed international institution. The more august the institution, the greater the gravitas the person lends to it. Now, in the light of that statement, how do you view Robert Zoellick’s statement on Tuesday. “Robert who?” you may ask. Okay, we’ll bite; Robert Zoellick is head of the World Bank so yes, he is quite an important person. And when he comes out and says that the world is not headed towards [...]

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What is Home Equity Line of Credit?

What is Home Equity Line of Credit?

If you are searching for credit in the market, home equity line of credit is possibly one of the best things to look at. However, before arriving at any decision, it’s quite important for the borrower to gauge various factors, its advantages and drawbacks, and most important, what it is. Quite similar to a secured loan, home equity line of credit is a form of loan offered to you with your home as collateral. This loan, however, must not be availed for insignificant requirements. Majority of people borrowing this loan use the money for educational needs, pay medical bills, make home improvements, etc. Repayment of this loan must be taken seriously as non-payment can cause you lose your home. You can avail home equity line of credit even if you are still making mortgage payments. Most lenders [...]

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Want To Take A Loan? See How Some Lenders Make You Cough Up Money!

Want To Take A Loan? See How Some Lenders Make You Cough Up Money!

If you want to take a loan see how some lending companies can make you to up huge amounts of money in terms of interest for failing to pay up the loans in the specified time. According to a Mintblog infographic, see how payday loans and credit loaning are going to put you in a debt loop which you might never be able to pay up as it accumulates over time. Payday loans seem to be a lucrative option for funding any of your necessities when you are short of money. You take a certain amount as loan against your monthly pay. Your lender does not ask you for your credit history and the loan is readily available at the time of need. But you should be able to pay back the loan in the specified time duration otherwise you’ve had it. Let’s see the different things that could happen to you if you are [...]

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Money Borrowers Are Not Lambs, They Have Learnt To Revolt!

Money Borrowers Are Not Lambs, They Have Learnt To Revolt!

For long, money lenders have tried to take advantage of borrowers. Mortgage financers imposed huge interests on the properties they mortgaged and banks also followed suit. I really don’t need to emphasize on how credit card agencies harasses their clients. Recently, owing to the Credit Card Accountability Responsibility and Disclosure Act of 2009, the credit card agencies and other money lenders, fully knowing that their money extracting games will not be entertained by the government from 2010, hurriedly came up with new ways to extract whatever they can till the last moment. So interest rates were hiked further, overdraft fee stringency, lowered credit limits amongst others. The clients are not lambs to suffer these atrocities anymore. They have already started revolting. Let us see some [...]

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Top 10 New Year’s Resolutions

Top 10 New Year’s Resolutions

I am not really a “New Year Resolution” supporter because I don’t want to halt my decisions till the year end. In simple terms, why do people wait for New Year to bring positive changes in life? It’s quite amusing to see people coming up with similar resolutions every year. I don’t like to have such procrastinated resolutions. But, out of curiosity, I did a bit of research to find the most common ones this year. Lose Weight: Not surprisingly, this is the number one resolution since last fifty years or more (I guess, since people knew about New Year resolution). Along with being most common, this resolution is also the most unsuccessfully kept one. People, who never worked out once a month, set up goals to works out every day. Why such unachievable targets? Rather than doing it daily, [...]

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Better Be Uneducated Than A Criminal

Better Be Uneducated Than A Criminal

I wouldn’t want to name the professor and the institute, but if our universities have such law professors I would rather prefer not to educate my kids. A law professor in Arizona teaches his students to walk away from the house and refuse repaying mortgage even if it loan amount exceeds one dollar than the current house value. Wow! What an insightful thought. And he wants the kids to be proud about it rather than guilty. Is he trying to be witty? Or may be he is simply foolish? I don’t know about his wittiness or foolishness but he is definitely trying to be famous around the globe. At least that’s what you can conclude from the new educational paper he has released that urges more than 15 million American citizens to stop paying mortgage amount because it is not worth than the cost price. [...]

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Forget The Reports. Follow Financial Statements

Forget The Reports. Follow Financial Statements

Do you sometimes, or most of the time, bother about your investments that is unremittingly showing a descending performance trend? Which company is worth investing in? On what factors does the success of a company depend on? Will it achieve or under-achieve the targets? The answers to these questions can be a bit less vague and confusing if you can spare some time researching about the company. Several tools can assist you to recognize the financial health of your investments. However, the best and most precise piece of information can be derived through glancing at the financial statement of any given corporation. A Financial Statement Figures in the statement won’t make sense if you fail to understand the meaning it’s depicting. To know the financial activities of the firm, it’s [...]

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“Somebody Save Me From The Credit Card Ambush” Says America

“Somebody Save Me From The Credit Card Ambush” Says America

The credit card providers in America have been callously ripping off noiseless consumers since decades. Uncontrolled (or rather unnoticed) by the controlling authority, these providers are making life miserable for most of the population that is completely depended on plastic money by materializing with various money-sucking strategies with no ramification at all. This woeful serious of events has obliged the mass to protest against sudden raise in charges, inexplicable fees, raise in interest rates, and other cash making ways. However, it seems that the reign of credit card plunders will last just for a few more weeks. Clauses for consumer safety is noticeably mentioned in the Credit Card Accountability and Disclosure Act drafted in 2009, but will be effective from February 2010.  A savior [...]

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