Credit Card Reform – Debtors Lose?

As the Credit Card Accountability, Responsibility, and Disclosure Act of 2009 reform legislation finally takes effect Feb. 22, the predictions, speculation, and conjecture about its effects will soon be swept aside. The realities are on the way.

Accounting Services – Real Reasons to Establish a Relationship With Your Accountant

Create an accountant ally. Establishing a close relationship with your accountant will make him/her a member of your business team.

Discover Strengths and Weaknesses of VAR Methodoligies

VAR or Value at risk is a summary measure of downside risk expressed in the reference currency. A general definition is: VAR is the maximum expected loss over a given period at a given level of confidence.

ISAs – 67% of Young People Do Not Know What an ISA Is

Young people should be looking after their future and saving their money especially in tax free saving accounts like ISAs. However, research from Alliance and Leicester Current Accounts shows that 16% of 16 – 21 year olds admit they save no money at all. Nearly 9% say they would rather spend than save their money.

Budget 2010 Will Be Progressive Yet Defensive, Feels Ganesha

Budget 2010 is just around the corner and everyone is hoping to get some relief from inflation, in general, during the Union Budget for 2010 to be presented by Finance Minister Pranab Mukherjee in the Lok Sabha on 26th February. Ganesha gives his Astrological Analysis of Budget 2010.

Trust – What Consumers Really Want From Their Banks

Amidst re-branding moves and January sales, new consumer research is showing that banks should really be focusing on how they can rebuild trust between themselves and the UK public before keeping up appearances and offering cash-back to new savers. Consumer watchdog Which? surveyed over 2,000 individuals in an attempt to gauge what the UK public want from banks in the coming year.

Why is Everyone Talking About Factoring & Accounts Receivable Financing in Canadian Business Circles

There continues to be a fair amount of press about the alternative financing method known by a number of different names – These include Factoring, Working Capital Financing, Cash Flow Financing, Invoice Discounting, etc!! Let’s keep it simple and we’ll just call it factoring for our purposes.

Trading February 23, 2010 Economic Numbers – February Consumer Confidence

Consumer confidence for February fell to 46.0 from 55.9, which is below the December consumer confidence level of 53.6. Analysts expected this dip due to a lower consumer sentiment index earlier this month. Both the S&P 500 and the Dow Industrials traded lower once the consumer confidence number was released as well as commodities (Gold, Silver, Metals) and energy (Crude, Natural Gas).

Small Business Financing Goes Into Intensive Care

An earlier article noted that business financing is effectively on life support based on recent reports of reduced business loans made by banks throughout the country. There are several reasons why intensive care comparisons might help to explain what is wrong with working capital financing and at the same time provide a healthy prognosis for impacted businesses.

Why Not Barter?

We live in a society now where money is everything. Heck, I think we all would agree that having a large money growing tree in the backyard would be quite ideal. Hey, I bet people would be more amped on planting trees!

Islamic Securitization Economic Risk Factors in Shari’ah View

Despite the Economic closeness of overall concept, Sukukization (Islamic Securitization) is not equal to “Securitization” as it is known in its conventional sense. Securitization, generally relates to the converting of loans of various sorts into marketable securities by packaging the loans into pools and then selling shares of ownership in the pool itself. Sukukization, on the hand; refers to, Islamic Sukuk Investment (as defined by AAOIFI) are certificates of equal value representing undivided shares in ownership of tangible assets, usufruct and services.

Guide to Government Grants – Free Money Available to Ordinary People

You can find here a guide to free government grant money. The government is willing to give out assistance in the form of grants to American citizens which they do not need to pay back. These grants are offered so that students, business owners, working mothers and even people in debt can get free money that they can use to solve their respective problems.

4 Features You Should Look For When Choosing a Software Financing Institution

A financing institution can be described as any business or organization which offers you services and solutions to meet your different financial needs, in return for a rate of interest which is charged on the amount borrowed. Such organizations will be ready to offer you financial assistance for your home mortgage loans, for paying your credit card bills, for making investments, for saving purposes or for other needs.

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