Stock prices: Making or Breaking the Fate of a Company

August 16th, 2011 by Bank Loan | No Comments | Filed in News

Stock prices: Making or Breaking the Fate of a Company

Article by sourav

The fluctuating stock prices have always been indicative of the ups and downs in the trade market. Many companies have stocks preserved and sold out in the form of shares to meet the emergency financial needs. And therefore, their downfall exerts the similar effect on all the companies. Recently, owing to the recent record breaking growth of Indian stock market, BSE stock prices have also seen a rise giving investors a reason to be happy about in this recession hit period.

It is clear that the tide is changing direction and this largely shows on the latest stock quotes. In comparison to stock quotes India, other countries have seen a slow rise and are still harping on the tunes of the recession. Though recession did hit the Indian live stock quotes too and affected the Indian stock marketas a result of which a number of big and small companies had to ask their employees to resign. However, it’s a proven fact that like time Sensex keeps on dwindling too as per the market scenario and stock prices do reach the zeniths in case the companies reap benefits.

And once profits show up on the cards, investors have all the reasons to smile whereas the buyers are the one who suffer. The reason is very simple; the buyers are the ones who spend their fortune on raw materials and an increase in stock prices would definitely mark a huge margin on the prices of the related commodities. As per the latest stock quotes only the direction of the tide can be judged and intelligent investors foresee which products will reap benefits for them in the nearing future. Live stock quotes indicate the prevailing market scenario too, and informs one about the losers and the biggest earners amongst the investors.

BSE stock prices are also reflective of the profits made through equity, debt and the derivative sector as it involves the participation of more than 4,700 listed companies. The fluctuating BSE stock prices decide the fate of a number of companies and also the prices of various commodities in the market.

Sourav Sharma is freelance market analyst and is writing reviews articles on latest news India, Stock Prices, BSE stock prices, latest stock quotes, Live Stock Quotes, stock quotes India and information on Sensex index.










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The 3 Keys To Divorcing Without Breaking The Bank

July 27th, 2011 by Bank Loan | No Comments | Filed in Bank

The 3 Keys To Divorcing Without Breaking The Bank
Lets face it. Divorce is painful. No one enters a marriage with the notion that someday their marriage will fall apart. We all want our marriages to succeed. But sometimes, for a whole host of reasons, marriages fail (just look at the divorce statistics) and its time to move on, for the sake of you and your spouse as individuals and for the sake of your children.
And if you really want to move on in a manner that is actually healing for you, your spouse and your family, there are three pieces you need to put in place to avoid a protracted, ugly divorce that demands too much of your time and energy and empties your bank account.
Rule # 1: Talk to your spouse. I know on the surface it sounds ridiculous. The reason you are getting a divorce is because it is very difficult to talk to your spouse.
But I can tell you from 25 years as a divorce and mediation attorney (now practicing in Walnut Creek, CA), if you dont talk to your spouse and engage your spouse in an honest, real-time exchange of information with a mediator or collaborative practice attorney present, your divorce will take longer and cost more money. Its that simple. In the end, all divorces are about money. So the sooner you and your spouse come to the table together and work to resolve the issues and challenges, the sooner you can both move on with your respective lives.
If you remain in an adversarial process where one partner has to win at the expense of the other, you will ultimately never gain the control and peace of mind you seek. In fact, you will lose more control each day as grievances and misunderstandings escalate to a point of no return.
Even though it is painful, keeping the lines of communication and negotiation open is critical. If your spouse refuses to talk to you or convene in the same room with a professionally trained mediator, consider the collaborative practice model, in which you both retain attorneys. In this model, it may be possible to bring you, your attorney, your spouse and your spouses attorney to the table to begin to work things out.
Rule # 2: Put your kids first. Continuing in an adversarial process does damage to your kids and damages your ability to co-parent in the future. You and your spouse owe it to your kids to model respectful communication. In collaborative practice you can get the help of child specialist and divorce coaches to help you and your husband set the stage for the co-parenting you will do for the rest of your lives.
Rule # 3: Build a bridge to the future, instead of re-hashing the past. And realize that if you and your spouse agree to the open and honest sharing knowledge and commit with shared purpose to resolving your differences with respect and dignity, you actually take control of your own divorce. Without that bridge to the future, you lose control. When you lose control, your divorce takes more time, which costs more money.
In my divorce mediation practice in Walnut Creek, near both Concord and Pleasanton (my colleagues and I serve both Contra Costa and Alameda counties in California), we build those bridges. Divorce attorneys who do mediation and collaborative practice have the training to help you navigate this difficult journey with a dignity and purpose that will benefit you entire family. We eliminate the win/lose paradigm and replace that with a process in which we reach an agreement that works for both you.

With an experienced and well-trained collaborative practice expert, you can cover a lot of ground: financial issues including child custody and child support, parenting schedules, medial insurance coverage, property division, possible tax consequences, spousal support, to name only a few.

And its not rocket science. It basically pulls from the principles that guide all good conflict resolution: 1) you agree to forgo the traditional adversarial proceedings 2) you dont set out to capitalize on the mistakes of your spouse 3) you agree to get everything out in the open 4) you agree to keep appropriate information confidential 4) and youll agree to treat your spouse as you would want to be treated.

Divorce mediation and collaborative practice may be new terms for you, so please come to my website to find out more about my unique way of handling the very painful, but so often necessary, process of divorce. I am the mediation attorney walnut creek who can answer your questions. When youre ready, call me at 925-932-7026. Lets talk about the best way to help you begin the next phase of your life.

Michele McInaney has practiced http://www.lawandmediation.net>mediation and family law exclusively since 1986. She was an early adopter of mediation and collaborative practice for divorce and has been voted by San Jose Magazine as one of the best mediation attorneys in the Silicon Valley.

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Breaking the Lingual Barriers of the European Continent

May 7th, 2011 by Bank Loan | No Comments | Filed in Forex

Breaking the Lingual Barriers of the European Continent










Århus, Denmark (PRWEB) October 18, 2006

The European project brings more countries closer together than ever before. Europeans are getting more open towards working, studying or even enjoying their senior years somewhere far away from their native countries. However finding a place to stay in a foreign country thousands of kilometers away can be a difficult task.

The challenge lies in the variety of languages spoken on our continent. Getting to the right information, and if found, understanding it, can be to high a wall to climb for many. Real Estate and rentals advertisements are usually targeted at the local areas in which they stand.

In contrast, the more luxurious offers are almost always targeting international customers, thereby increasing their chances of changing hands.

The reason for that is off course that there is more money to be made on luxury. But in order to gain a better price, more money has to be spent on advertising. But we have a simple solution for all this.

We have developed the website for three years and here it is – http://www.EuroFalcon.com/en With Eurofalcon.com anybody can get access to national and international real estate buyers and sellers with almost no effort and absolutely free of charge.

Here are some of the highlights:

    User-friendly environment

    True 9 language navigation

    Real time currency conversion

    Automatic translation of all ads into 9 languages

    Internal communication between users

    State of the art Google optimization, (All ads are indexed in google in 9 different languages.

###







Attachments


























Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.







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Breaking the Poverty Cycle in Africa-the Case of Infrastructure Investment

September 1st, 2010 by Bank Loan | No Comments | Filed in Bank
private banker
by Ken Lund

Breaking the Poverty Cycle in Africa-the Case of Infrastructure Investment

Infrastructure investment and democracy as a form of government in Africa is the only solution to Africa’s underdevelopment and impoverishment. The continent is lagging behind all the continents in the world in terms of economic and social development. All the countries making up the African continent have similar economic problems namely unemployment, higher deficits, poor state of economic and social infrastructures including roads, harbours, education, airports, telecommunication, health and sanitation.

Centuries of slavery and colonialism deprived the continent of her able human and economic resources. Where as the able men and women were carried away to work in the plantations of the Americas (in all about 30 – 40 million), the natural resources where looted by the European countries namely Belgium, Britain, France, Germany, Portugal, Spain and Italy. After slavery was abolished the looting of the natural resources continued. The irony is that virtually all the income from these resources was used to finance the economic and the infrastructural development of the European countries with little or nothing used to develop the various countries where these resources came from. A clear example is the case of Democratic Republic of Congo where King Leopold II of Belgium enslaved the Africans, forced them to work without pay, killed about 10 million and looted the country of her resources and virtually nothing was used to invest in the country except guns which the Belgium army used to kill the Africans. When the DRC was transferred from Leopold II to the Belgium state the looting and killing continued till DRC gained her independence in the 1960s. In fact DRC (Congo Free State) was the main supplier of rubber a vital raw material for the tyre industry and all the money from the sale of the rubber went to Belgium. King Leopold II was able to transform Belgium as one of the poorest countries in Europe into one of the wealthiest courtesy the enslavement and looting of Africans and their resources.

Belgium was not alone in what they did to the continent. Britain, France, Spain, Portugal, Germany and Italy all looted Africa of her gold, diamond, ivory, timber, cobalt, and all the minerals you can think of. The Africans who resisted the illegal activities were killed in their millions as happened in South West Africa (now Namibia) where the Germans in 1904 to 1907 committed the first genocide of the 20th Century by killing the Herero and the Namaqua people. While Europe became richer Africa became poorer and the trend continued till the 1950s when the African countries started to gain their ‘independence’beginning with Libya in 1951, Sudan, Morocco, Tunisia all in 1956 and Ghana in 1957.

With little or no investment in the continent the various post colonial governments inherited countries with practically no infrastructure: roads, rails, harbours, telecommunications, education, health and sanitation and airports. The only areas which saw some few infrastructure investments during the colonial days were those where raw materials were heavily extracted. The attainment of independence did not come on silver Plata. Algeria, Zimbabwe, Angola, Kenya, Namibia and to some extent South Africa all attained their independence from their colonial masters through arm struggles and in most cases the few infrastructures that existed were destroyed due to the conflict.

As if slavery, colonialism and the looting of the continent’s resources were not enough the continent became a battle ground during the Cold War as the two super powers and their allies battled for influence and control on the continent mainly for her resources. As a result many African governments who were deem to be pro-Russia or America were overthrown using the military. A case in point was the overthrow of Dr. Kwame Nkrumah of Ghana on February 24th ,1966.Another example is the overthrow and assassination of  Patrice Lumumba of Congo on January 17th 1961.Other leaders such as Nelson Mandela were imprisoned for either advocating for independence or improvement of conditions of Africans.  CIA and the western intelligence community have been implicated for engineering the assassinations and overthrow of elected leaders of Africa. For example Larry Devlin, the CIA Station Chief in Congo during Patrice Lumumba’s  days spoke to Washington Post in December 2008 saying he refused an order to assassinate Patrice Lumumba but his refusal did not stop the CIA and the Belgium government from overthrowing and assassinating him. The assassination attempt on Gamal Nasser of Egypt on 24th October 1954 and the assassination of President Anwar Sadat in 1981 were alleged to be the work of Britain M16 due to their refusal to hand over the administration of the Suez Canal the British.  The CIA, KGB and their allies encouraged and financed wars and political instabilities throughout the continent. Angola became the battle ground for the CIA, KGB and the Chinese as each tried to gain control over the country, her people and resources. The civil war that engulfed the country in 1975 only ended in 1991 after 26 years of conflict. When the war ended the few infrastructures that remained after the war of independence (1961-1974) were gone.

The product of these assassinations and coups were the political instabilities and the wanting destruction of lives and property including infrastructures that have bedevilled Africa till today. As the elected leaders of the continent were assassinated, overthrown and subjected to all forms of cold war tactics including bribery, arm twisting and blackmail the continent degenerated and faulted on all aspects of human endeavour. The new crop of leaders who replaced the post colonial independence leaders and who were largely puppets of the European and American governments became increasingly authoritarian and corrupt. Joseph Mobutu Seseseku who became the choice of the Americans after they help to assassinate Lumumba ruled Congo for 32 years and in those years the country became poorer as Mobutu and his cronies got richer and the western countries notably USA and her allies had free hand looting the mineral resources most importantly cobalt a very important mineral needed for missile development. Little infrastructure activities was carried out by Mobutu. As a result Congo today can only be accessed by boats and canoes mainly through the River Congo.

As tyrants and dictators gained the support of western governments and did whatever they wanted with their economies without questions their people became poorer and hopelessness and desperation were the hallmarks of their lives. As the little money that came into government coffers were taken by corrupt government officials and civil servants there were almost no money to carry out infrastructural development and the poverty deepened. Poverty, desperation and hopelessness visited the people and coupled with their inability to change their leaders democratically, dissents were sowed among the population which serve as breeding grounds for more coups, civil wars and civil disturbances. This was evidence in Ghana, Nigeria, Niger, Ivory Coast, The Gambia, Liberia, Mauritania, Algeria, Gabon, Togo, Cameroon, Equatorial Guinea, Guinea Bissau, Central Africa Republic, Chad, Sudan, Ethiopia, Uganda and Sierra Leone all experienced coups in the 1960s, 1970s, 1980s and even in the early 1990s. These waves of coups were followed by civil wars that hit Liberia, Sierra Leone, Ivory Coast, Congo, Chad, CAR, Somalia, Uganda, Sudan, Angola, Niger and Guinea. These wars apart from it human cost also contributed to the destruction of roads, harbours, airports, rail lines, telecommunications, hospitals, schools and many more. With the absence of infrastructures the countries have been unable to make any headway in terms of economic development. To reverse centuries of slavery and colonialism on one hand and decades of coups and civil wars on the other hand, governments should focus their attention on building the infrastructures on the continent.

This is because the state of infrastructures on the continent is nothing to write home about: the roads, harbours, telecommunications, health, education, market and airport are either none existence or are in a state to appalling to describe. We have neglected the few that have existed to decay yet we have forgotten that no continent or nation no matter the size of the natural resources that she has can develop without investing in infrastructure. That is why Democratic Republic of Congo has every mineral you can think of yet they are one of the poorest on the continent. That is why Malaysia, Korea, Taiwan, Singapore, Hong Kong have developed and that is why President Elect Obama  is talking about building US infrastructures because they are the engines that run the economy. You cannot export if you do not have harbours and airports to support it. You cannot attract tourists if you do not have airport, hotels and other infrastructure that support it. You cannot move goods from centres of production to centres of consumption if you do not have roads, rail lines and inland water infrastructure to deliver it. You cannot supply the industries with doctors, architects, bankers, lawyers, planners, engineers, teachers, nurses if you do not have the educational infrastructure to deliver it. And you cannot run an efficient and vibrant economy if you do not have the energy and telecommunication infrastructures in place. Africa has been experiencing serious disruptions in the energy sector for years and no government has seen any wisdom to solve. As a result factories are folding up and are laying off workers and we are waiting for nature to help fill our dams before we rectify the problem. Could these do nothing approaches to problem solving help our continent and nations to develop? What are we doing with the abundance of sunshine on the continent? We have not taken advantage of it, have we? We have sunshine 365 days and we have not tap into solar energy which is cheap and more reliable than hydro. It is another indication of the useless institutions that we have and lip service paid by the various political parties and their leaders to development. Look around yourselves and see if any of the goods you see are made in Africa. I mean the mobile phones, computers, televisions, cars and all the flashy things that Africans are crazing for. It is sad to note that almost all the raw materials needed to build these mobile phones, cars etc are obtained from countries on the continent.

To appreciate the importance of infrastructure as the bedrock of the continent’s development let us consider transportation infrastructure in a country for example. The development of every country is strongly dependent on a reliable transportation infrastructure system for internal transportation and for linking rural communities to market centres. The role of infrastructure to the economy of a nation cannot be overemphasized especially its effect on sustainable development, GDP growth, inflation, and poverty reduction. Efficient and effective provision of transportation infrastructure in a nation underlines all attempts to reduce poverty.

Transportation infrastructure plays essential role by unifying all sectors of the economy including agriculture, health, education, trade, industries, and services. It is therefore said that transportation is the life wire of the economy. Without transport infrastructure social and economic activities and development in general will stagnate. Transport infrastructure ensures that raw materials are brought to the factory, while industrial finished goods are also distributed to market centres and communities where they are mostly needed. Agriculture commodities such as food crops are made available to urban dwellers through roads, rails, airports and harbours. Transportation infrastructure also ensures that services produced elsewhere are available where they are needed and at appropriate time.

Transportation infrastructure again makes the administration of political entities such as districts, boroughs and regions easy because it provides access to social infrastructural facilities such as schools, clinics, hospitals, markets, security services, and administrative offices. Transportation infrastructure has a correlation in the improvement of the overall living standards of people living in both rural and urban communities. It improves the quality of life of the people and has added advantage of ensuring rapid growth and sustainable development and has a long run effect of alleviating poverty.

In areas where transportation infrastructure facilities are unavailable or have deteriorated in the   serious difficulties are encountered in the production, distribution and marketing of goods and services. Such situations also have negative implications for the patronage of goods and services produced as well as usage of such facilities such as clinics, hospitals, markets, and schools. This has a negative repercussion on the state and quality of life of the people affected by such situations as well as a down trodden effect on production and productivity levels in the areas where the transportation infrastructure condition is bad. It is a well recognized fact that transportation infrastructure and for that matter all infrastructure investments have correlations in development and hence the standard of living of the people.

 To move the continent away from its current predicament, public transportation infrastructure works should be carried out by all governments. Fast speed rail lines should be constructed to link the various parts of the continent. This will make the transport of bulky raw materials and goods easier. Roads should be constructed to make transportation less difficult.  River Nile which is the longest river in the world should be developed as a major internal water transportation network so that goods could be transported up and down the stream. The other major rivers such as the Limpopo, Zambezi, Congo, Niger all should be developed to make it possible for goods and people to move easily. Every effort should be made to develop the technology that will harness the solar energy potential of the Sahara Desert so as to make access to energy easily. 

Major harbours such as those in Durban, Cape Town, Lagos, Tema, Mombasa,  Port Said, Tunis, Tripoli and Benghazi should be developed be expanded if necessary and every effort should be made to remove every administration bottleneck and bureaucracy that will cripple trade and development. The airport infrastructure should be developed to make it easier for people to move with ease throughout the continent. The international airports in each country should be expanded if need be and should be equipped with modern technology to make less cumbersome for passengers to go through. Besides bureaucracies, administration bottlenecks, delays that inhibit easy flow of people should be eliminated. Therefore there should be a common immigration policy which is well streamlined to take care of the people. The benefit of transportation investment is enormous and therefore should be given a priority.

If we can benefit so much from transportation infrastructure then how about our education sector upon which the development of the continent and our nations rest? The education infrastructures on the continent and in our nations have not been developed. Have they? Look at the world ranking of Universities and see where the first university on the continent falls. Can we afford to develop the continent and our nations with low quality graduates not to mention the millions of illiterates and semi-literates that roam around the continent and in our countries? Of the about 9,760 Accredited universities in the World, less than 10 universities were able to make it the top 500 and even those that made it about 90% came from South Africa which is the most developed country on the continent (source: topuniversities.com). It is abundantly clear that our education system is not producing the architects, engineers, planners, bankers, lawyers, doctors, teachers, social workers, nurses and the scientists that we need in the 21st Century. That is why every major architectural and engineering activity on the continent is undertaken by foreigners and foreign companies especially from USA, Japan, China, India and Europe. And any continent and for that matter any nation that depends on foreign expertise for her survival is doom to fail in the long run.

The Universities lack well trained lecturers. They lack modern facilities such as state of the art libraries, laboratory simulation facilities, studios, computers, and books. They lack them because we cannot build them; we cannot build them because the curricula have not prepared our students to build them. As a result we have to import the equipments and books from countries that have done their home work well and have invested heavily in education notably in science and technology. In many of our universities, Polytechnics and secondary schools lecturers/teachers are still teaching students the same way the 19th century academic institutions taught forgetting that we are in the 21st century. The same notes given a final year student four years ago are still being given to first year students with no addition and subtraction.  Lecturers cannot write books for students because they do not have the resources to carry out research that form the basis of any academic material.

Whereas students in advanced countries get their hands on books immediately they are released those on the continent have to wait 4 years or even more to get the same books. What is more the academic facilities including libraries are in a state too appalling to describe. Not a single of our universities can boast of more than two million volumes of books in their libraries. Even the few books that they have are so old that information contained in them are useless. Very few books have been published by Africans. Due to this most students have to rely on the notes that lecturers give them. This is state of our universities and the little I say about our Polytechnics and secondary schools (High Schools) the better. Our research institutions have achieved very little because they are underfunded and the researchers do not have the expertise and the facilities to carry out any meaningful research. A case in point is Cocoa Research Institute of Ghana (CRIG) located at New Tafo in the Eastern Region of Ghana. Despite decades of its existence Ghana still exports raw cocoa beans for peanuts. No value has been added to the cocoa. CRIG has not been able to come up with other ways in which to use the beans to benefit Ghanaians despite the mounting evidence that the beans have several potential uses. In order to make Africa continent and the governments should make education a priority. They should as matter of urgency and of necessity invest in educational infrastructure.

In addition to these institutions of higher learning should be structured to produce engineers, doctors, lawyers, bankers, sociologists and all the various human resource needed for nation building. Exchange programmes should be established between the institutions and universities on the continent so that students on the continent could meet, interact and share ideas. Every effort should be used to raise the learning and quality of learning on the continent. Effort should be made to attract Africans in the Diaspora to come and share their expertise with their colleagues and contribute their knowledge towards the development of the continent.  Research institutions should be established across the continent and funding provided to them to come up with how the various natural resources on the continent could be used to benefit the people. With the right human resource capacity Africans could now embark on their journey of liberating her people from poverty

How about the state of the housing infrastructure? A visit to any village or town gives the same picture of poor housing and poor quality of public service. People are living in mud/thatched houses with bamboo or raffia leaf as roofing sheet with no electricity, potable water and clinics. They live in a subsistence environment without social security, health insurance and are condemned to poverty, desperation and hopelessness. Those living in urban areas are without jobs, without mortgage, and face high utility bills with poor service. They face constant barrage of water and energy disruptions everyday. In every country, region, district the situation is not different. On the other hand our MPs, ministers, vice presidents, the presidents and political leaders, their cronies and families live in total luxury with mansions, SUVs, bodyguards, fat salaries, fat bonuses, house servants and they have all the resources of the continent at their disposal. Yet they claim to be serving the people. How can it be? Governments should invite the private sector to take part in the delivery of housing. Land and other service infrastructure such water, electricity and waste management should be provided to make it less difficult for the private sector to join.

Look at the state of the agricultural sector. How many of our farmers have their own tractors and farming equipments to produce beyond the level of subsistence? Virtually none. Nearly all the important equipments needed to make the agric sector viable and productive have to be imported and how many of our farmers have their own resources to buy even the basic machinery to expand their farms? Although we are in the 21st Century yet our farming practices indicate that we have still not moved beyond the 19th century. This is the more reason why we continue to hunger even though rich soils abound in Africa. During the early part of the 2008 financial crisis violence broke out in Egypt, Sierra Leone and in many other countries on the continent. Why is this so? The answer is we have neglected the sector for quite too long. Farmers have no access to irrigation which can make farming all year round possible. They have to rely on nature for rain before they can start planting. They have no access to credits could help them to expand their farms. Yet Ethiopia for example could afford millions of dollars to buy military hardware while famine threatens to annihilate her people. She cannot afford tractors and irrigation equipments that could help put food on the table and bring back her people’s dignity. Lack of agricultural infrastructure has brought famine to millions on the continent. There are no silos for storage during bumper harvest. No roads to producing areas. We under utilise our land for lack of political commitment. We cannot develop our economies if we fail to invest in infrastructure.

Besides, trade among the countries should be encouraged at all levels. Africans must know that together they stand or fall and therefore the old politics of former colonial master first and neighbours second should be discouraged and stopped straightway.  This is the more reason why it is so important that these countries trade among themselves, develop their market, share their resources so that the lives of their citizens will improve. The continent should not be allowed to serve as the dumping ground for European manufactured goods. Import substitution industries should be adopted widely on the continent and trade should be encouraged at all levels. The era where raw materials with little added value are exported for peanuts should be given the boot. As the Americans used to say to the Japanese‘if Japan wants a share of the American market then their goods should be manufactured right here in America. The same yardstick should apply to any company or country that wants a share of the African raw material.

All national interests should give way to a common interest for the good of the people on the continent and the allegiance and influence of outside bodies should be treated as detraction. Africa and her people must be given a serious consideration in all matters of economic, social and political developments. The old philosophy of selling out the continent to international cartels and corporation should be given the boot. Africans should know that the Europeans, Americans and their Bretton Wood Institutions have no interest to see them develop at best they would rather that slavery and colonialism were back.

The above mentioned issues should be given a priority if Africa is to break away from the cycle of poverty which the people have endured for decades if not centuries.   

Hope that the 21st Century will be different for the continent. Hope that infrastructure building will be given a higher priority by the various African Union members.

Lord Aikins Adusei

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What penalty does Scotiabank charge for breaking a mortgage?

August 31st, 2010 by Bank Loan | No Comments | Filed in News
mortgage
by Kevin McShane

Question by blackguy_56: What penalty does Scotiabank charge for breaking a mortgage?
I’m thinking about breaking my mortgage with Scotiabank to get a better rate somewhere else (and hopefully lower payments) anyone have any idea how much Scotiabank charges as a penalty for breaking a 5 year closed mortgage 2 years early?

Best answer:

Answer by Sharon T
That will be specified in the note or mortgage. Read your loan documents carefully.

Sometimes you can renegotiate directly with the lender to reduce the prepayment penalty.

Add your own answer in the comments!

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Shiseido Tsubaki Case Study: Breaking into the luxury hair care market with an effective marketing strategy

August 26th, 2010 by Bank Loan | No Comments | Filed in News
asian market
by thedabble

Shiseido Tsubaki Case Study: Breaking into the luxury hair care market with an effective marketing strategy

Introduction

This case study on Shiseido Tsubaki shampoo/conditioner forms part of  case studies series, which explores business practices across a variety of disciplines and business sectors. It looks at how Shiseido achieved success with the brand after struggling for many years to march forward in the Japanese hair care market.

Reasons to Purchase

*Gain insight into the methods used by important industry players to give them a competitive edge

*Identify specific areas for operational improvements

*Capitalize on the knowledge of experienced companies when entering a new niche or market

Table of Contents :
VIEW 1
CATALYST 1
SUMMARY 1
ANALYSIS 2
The haircare product market in Japan is highly competitive 2
The oligopolistic Japanese shampoo/conditioner market has been stagnant in recent years 2
Brand has an implicit role in consumers’ purchasing decisions with regards to shampoo/haircare products 3
Tsubaki successfully broke into the cut-throat Japanese shampoo market 5
Tsubaki launched into the market on the back of a heavy marketing campaign 5
The brand’s huge success contributed to Shiseido’s increased market share and induced follow-ups from rivals 7
Affirmative consumer reaction substantiates the brand’s position in the market as a new leader in the shampoo market 8
Products under the brand have been launched in neighboring Asian countries after the success in Japan 9
A strong and effective marketing strategy is the biggest driver of Tsubaki’s triumph 9
Multiple celebrity endorsers is a key element in the marketing and PR campaign 9
Tsubaki’s focus on confident ‘beautiful Japanese women’ reflects changing social trend and connects the brand with its target consumers 10
Compare and contrast: Kao Asience preempted the concept of Asian beauty in the haircare market 12
Compare and contrast: Dove’s ‘real beauty’ campaign challenged Japanese consumers’ conventional definition of beauty 13
Conclusion and implications 14
APPENDIX 15
Case study series 15
Methodology 15
Secondary sources 15
Further reading 16
Ask the analyst 16
Datamonitor consulting 16
Disclaimer 16

List of Figures
Figure 1: The shampoo and conditioner market in Japan appears to have been static and highly concentrated over the years 3
Figure 2: Product value, effectiveness and sensory benefits are important to Japanese consumers’ choice of haircare products 4
Figure 3: Among personal care products, shampoo/conditioner has the highest percentage of Japanese respondents stating they are both quality- and brand-conscious 5
Figure 4: The advertisement campaign of Tsubaki’s launch featured six popular actresses/models to present the theme ‘Japanese women are beautiful’ 6
Figure 5: TSUBAKI now consists of two product series with shampoo, conditioner and hair treatment products 7
Figure 6: Shiseido’s total market share went up significantly after the launch of Tsubaki 8
Figure 7: Tsubaki is expanding into nearby Asian countries and is positioned as a premium foreign brand 9
Figure 8: A key feature of Tsubaki’s advertisement campaigns is the use of multiple celebrities to represent ‘beautiful Japanese women’ 10
Figure 9: Tsubaki’s latest commercials put more focus on the career side of women, emphasizing that beauty includes inner competence and not just pretty faces 11
Figure 10: Kao’s Asience series focus on a wider ‘Asian spirit’ and has been endorsed by celebrities from China and Korea 12
Figure 11: Dove’s Japanese version of the ‘real beauty’ campaign features ordinary consumers 13

For more information, please visit :

http://www.aarkstore.com/reports/Shiseido-Tsubaki-Case-Study-Breaking-into-the-luxury-hair-care-market-with-an-effective-marketing-strategy-38302.html

Welcome to Aarkstore Market Research Aggregation We specialize in providing online market business information on market research reports, books, magazines, conference booking at competitive prices, and strive to provide excellent and innovative service to our customers.

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Breaking FX News Site TradeTheNews.com to Publish Exclusive FOREX Trading Analysis on FXstreet.com

August 23rd, 2010 by Bank Loan | No Comments | Filed in Forex

Daily Analysis – GBP/JPY – April 30, 2009 www.forex4noobs.com/blogsyn/
Video Rating: 3 / 5


New York, NY (PRWEB) August 5, 2009

Breaking FOREX news site TradeTheNews.com announced today a premium FX content partnership with FXstreet.com. Sam Shenker, Technical Strategist for TradeTheNews.com, will provide daily technical analysis reports on major currencies and commodities for FXstreet.com. Sam will be identifying key chart formations and describing market momentum in order to help traders expand their overall view technical trends. Utilizing his deep knowledge of technical analysis and extensive experience with charting tools, Sam’s reports will include key support and resistance levels, chart pattern analysis, indication of potential breakouts, overall directional momentum estimates and interpretations of major indicators. The currency crosses that will be covered include EUR/USD, USD/JPY, GBP/AUD, EUR/JPY and GBP/USD. The futures and commodities markets that will be covered include crude oil, gold, S&P 500 Emini, US 10 Year Treasury and the Eurodollar (CME).

A Technical Strategist for TradeTheNews.com, Mr. Shenker has spent over a decade on Wall Street and has traded many different products utilizing proprietary technical analysis model with markets including equities, currencies, futures and options. He has also specialized in research and analysis of distressed assets and bankruptcy restructurings. At TradeTheNews.com, Sam provides traders with real-time analysis of key technical developments in the global markets. He specializes in major currency pairs and crosses as well as the major commodity financial futures markets.

About TradeTheNews.com

Founded in 1998, TradeTheNews.com’s FOREX Audio Package broadcasts breaking news and instant analysis 24 hours a day for the Global Markers. This unique FX news squawk, similar to a police radio in your ear, covers economic numbers, interest rates, central banker speak, energy news, terrorism, geopolitical developments, natural disasters and more in real time. The FOREX audio new channel is coupled with an interactive text platform where written analysis appears a few moments thereafter and clients can ask questions to the analysts directly.

About Fxstreet.com:

FXstreet.com was founded in January 2000. Forex technical and fundamental analysis, news, real-time economic calendar, advanced rates and charts, webinars, reports, forum, education resources, recordings and podcasts, tools, newsletters… The FX Market is covered 24/5. An expert team of journalists, traders and economists picture what the market is doing and what is happening as it happens. The website exists in English, Spanish, Chinese and Japanese. In 2008 FXstreet.com’s 3 main sites reached 5.204.238 unique visitors and 56.301.110 page views.

Media Contact:

For more information on TradeTheNews.com or a one-on-one product tour please contact:

Jessica Kurjakovic

212-884-8080

TradeTheNews.com Press Releases

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Breaking The Bank: Your Insider’s Guide to Obtaining Business Loans

August 23rd, 2010 by Bank Loan | No Comments | Filed in Bank

Breaking The Bank: Your Insider’s Guide to Obtaining Business Loans

List Price: $ 29.95

Price: $ 24.96

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How Private Loan Consolidation Can Prevent the Stretching of Your Paycheck to Breaking Limit

August 12th, 2010 by Bank Loan | No Comments | Filed in News
Private financial
by wallyg

How Private Loan Consolidation Can Prevent the Stretching of Your Paycheck to Breaking Limit

Americans are in a heap of debt trouble today. According to the American Payroll Association:

”67% of Americans would find it difficult to meet their current financial obligations if their next paycheck was delayed for one week.”

You heard it right. Americans are living from paycheck to paycheck, feeling faint whenever delays are inevitable. With this grim picture in the background, where is the space for savings? For good and profitable investments?

Inevitably, living from paycheck to paycheck means there are debts to be paid- and this is when private loan consolidation and other measures appear.

Paralyzing Debts

Debt, like a silent tumor, begins slowly enough. Take the case of Lisa and Wade Norwood of Rochester, New York. Lisa shares that:

”Our problems started when we began living beyond our means on credit cards. We admit to not managing their money well in the past but we are making an effort to spend less, but the recovery process has been slow, and we still find ourselves strapped for cash each month.”

Wade and Lisa have ,000 in mortgage, and they have an annual expenditure of about ,000 on household items and food. Their problem is not uncommon, and is fast becoming the staple tale of young families and even members of the more advanced generation.

The Expert Comes In

With the Norwoods as our particular case study, let’s listen to a financial advisor see what he makes of the situation. According to Herb White, a certified financial planner and managing director of Colorado-based Life Certain Wealth Strategies:

”The Norwoods should consider joining a credit union and taking out a private loan consolidation to lower their monthly fees. Although private loan consolidation seems like a cure-all, there can be drawbacks. Borrowers with very high debt may not qualify for the lowest interest rates, which are usually given to those with excellent credit.”

”However, this option will work for the Norwoods because they have paid their cards in full and on time for more than a year. And if they take out through a credit union, they can benefit from lower rates.”

Getting to the Bottom of the Problem

Sometimes, even the best private loan consolidation cannot solve bad “money manners”. If you are a spendthrift, your money will be obliterated. It’s that simple. According to Daisy Reese, a director at California-based Insight Financial Group and co-author of True Self, True Wealth: A Pathway to Prosperity:

”We all carry messages about money we learn as children. Most people act out one of 10 money scripts: co-dependent, coupon clipper, craver, gambler, hoarder, masquerader, power player, prince or princess, procrastinator, or victim. The Norwoods were operating under the co-dependent and the masquerader scripts. Co-dependents tend to put others first, while masqueraders typically desire to win admiration.”

As you can see, the ten money scripts above can be applied to anyone with money problems. To get to the root of the problem, you must be able to identify who is ruining your finances at home. That way, all your efforts at saving money and investing will not go to waste.

The author is an online researcher and webmaster of Consolidate Debt Loan. Visit site for more useful articles: – Consolidate Credit Card Debts and Skip the Plastic

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Breaking All the Rules – Exclusive World Class Investments to Stabilize Your Portfolio and to Help Double Your Net Worth!!

August 12th, 2010 by Bank Loan | No Comments | Filed in News
Investment
by Office of Governor Patrick

Breaking All the Rules – Exclusive World Class Investments to Stabilize Your Portfolio and to Help Double Your Net Worth!!

BREAKING ALL THE RULES!  Exclusive World Class Investments to Stabilize Your Portfolio and To Help Double Your Net Worth!!


Cabal Capital Management, LLC announces the launch of the Special Opportunity Fund which provides alternative investment opportunities into extremely low risk, very high financial return Advanced High Income Generation Projects through direct investments.

Our fund is unlike all others that exist today by offering investments that are focused on both strategic and tactical investment opportunities into Highly Advanced Income Generating Project(s) producing vital, very high demand product(s) that are being sold directly into the largest “Major” Universal Demand Markets in the world.  These investments allow risk adverse accredited investors the ability to participate in the revenues generated from these projects which allows for and achieves capital growth while providing the investor a low risk opportunity with the benefit of dependable and sustainable alpha generation and the long term growth from these projects.  These fully integrated projects have been designed to last 40 to 50 years or longer for their life cycles regardless of the global financial and credit markets.

Our fund is well positioned to effectively tap into these markets to the benefits of our investors.  The growth dynamics of the United States and Western Europe is based upon local, regional and domestic consumption of all the products these projects produce.  This fund is targeting routine and consistent annual double digit returns (15 – 21%) to investors un-correlated to all securities, commodities, currencies and the credit markets themselves since there will not be any exposure to these markets.  All project investments within this special investment vehicle have been specifically developed and designed to perform across various business cycles regardless of global economic conditions.

The current global credit crisis, current stock market contractions and wild swings in the commodities markets does not and will not impact our ability to produce consistent annual double digit returns now or in the future for our investors since we will never have, need or rely on the credit markets to establish margin accounts or leveraged positions which most all hedge fund type investment vehicles require to operate.  We do not require nor will we ever utilize prime services which the large investment banks provide (Bear Stearns, Lehman Brothers, Merrill Lynch, etc.). We do not rely on the stock, commodity or currency exchanges to generate income since we can not control any of the events occurring in those exchanges for our investors, thus we are totally un-correlated to all securities, commodities, currencies and credit markets

In the case of Deflationary and or Inflationary Markets, they will have no real effect on these projects and the products they produce.  Coincidentally inflation will only increase the value of the products coming out of the projects, and deflationary markets will have very minimal impact as well since the products produced will always be in very high demand through out the world. 

Risk issues are always addressed through risk management and the review procedures for each and every investment made.  Unlike most projects which have been developed, planned and master planned, every assumption for each project has been tested, validated, verified and proven or it’s not incorporated into these project(s).  Each and every project is also backed up by a detailed Input / Output Financial Cash Model which is a detailed Program / Project Financial Blueprint that shows the quarterly inter-relationships of investments, operational production revenues, operational expenses at all levels, taxes, imposts and fees, special circumstances events, and financial obligations during the life of the Program / Project.

Since energy production and consumption is the key element to any industrialized country, and with energy consumption increasing globally at an annual rate of 5 – 6 %, energy is and always will be vital to both the U.S. and Western European Economies. Allocating to Energy and Bio-Fuels production are two major key areas of involvement and investments within our seven pronged program investment strategies approach, which consists of the following options available to us:  Energy:  Oil & Gas (Example Project to follow), Bio Fuels:  Algae Based Bio-Diesel and Jatropha Curcas {plant} direct fuel source.  Algae Based Bio-Diesel is a direct fuel source currently available and ready for full scale production and delivery {This is not a blend for gasoline!} Algae Based Bio-Diesel Fuel production utilizes proprietary photo enhanced, micro nutrient enhanced, continuous flow, automated, sensor quality controlled, bio-chemical industrial processes and then are pressed, centrifuged, oils separated from water, water treated, cooked, cracked and treated all within a 12 hour cycle (Start to Finish) to complete one batch made ready for use in any diesel engine.  Initially 270 Million Gallons per quarter to several Billion Gallons of bio-diesel per quarter will be produced depending upon the initial size of a project program.  This Algae Based Bio-Diesel Fuel source has a Cetane Rating of 105 -117 compared to 80 – 85 Cetane Rating for #1 diesel fuel currently produced by all the major oil companies, which provides more power, better millage and performance while emitting 60 – 70% less emissions across the board vs. normal standard crude oil based diesel fuels. Algae Based Bio-Diesel emits no sulfur and or nitrogen into the atmosphere, Alternative Energy:  Solar / Concentrated Solar Thermal Power Production, Wind and Electric Fuel Cell Systems, Natural Resources:  Gold, Platinum, Other Precious Metals Groups and Diamond Mining: Refining, Assaying, Separation using advanced physical technologies and Bullion production of Gold and Platinum as well as Processing, Cutting, Valuation Appraisals of Diamonds and other Precious Stones, Water:  Proprietary Water Science / Technology to Produce Fresh Drinking Water to meet Agricultural, Industrial and Human Public Health needs in critically water short areas through Water production, bottling facilities and distribution.  This can be accomplished with any available water supply {in ground water tables, above and below ground reservoirs with a high saline content normally not recommended for human consumption}, Sea Waters & Brackish Waters anywhere Globally, Hydroponics:  Food Production: Fish Shrimp, Prawns, Fruits Vegetables utilizing USDA inspectors to garner Grade A Choice Status to include direct marketing into Major U.S.A. and International Consumer Demand Markets, and Special Opportunities: Aviation Fuels: JP-1 to JP-12 for Commercial and Military Applications from Algae Based Direct Fuel Sources as well as Advanced Hyper-Speed Information Technologies and other Advanced High Income Generation Project Opportunities as they become available.

It should be noted that traditional large project investments consist normally of only one income generation production element and typically requires three years at the earliest before the investors see any type of modest return on their investment.  Our projects produce immediate results in the first year.  These Exclusive World Class Projects which are available to us for investments have no less than 2, but normally include 5 or more Major Integrated Income Production Elements within each project.  It should also be noted that each income producing element within these projects are so strong that they could stand on their own and support the entire project, which is why many of these elements are developed together to form an Advanced Integrated Income Generation Project depending upon the requirements and location of the program.

All of the projects that this special opportunity fund invests in involve Proprietary Advanced Technologies and Advanced Physical Science / Processes (not known to the great majority of Asset Manager Companies Staffs).   Other types of investment pool managers, hedge funds, etc. do not know or even have access to these world class development engineering people and the technologies assets and projects that they develop, implement and manage.  Currently we have in excess of Billion Dollars worth of Advanced High Income Generation Projects available to us for investments.

Another Special Note of consideration is that each investment will bring with it potential tax advantages not typically found in other types of investments.  Depending on where the project(s) are located and how the project are legally structured and set up (Development Corporations, Development Authority, etc.) could result in tremendous tax advantages, which each investors tax advisor will need to qualify and determine the best approach for each investors own tax liabilities depending upon their current tax status, situation and strategies.

These projects are conducted by Highly Reliable, Senior Internationally Experienced Technical Managers, Senior Science Managers and Senior Logistics / Project Security Management Staffs, which have planned, developed, evaluated and trouble-shot economic development projects and strong income generation projects in over 65 countries during the past 40 years.

There are in excess of 300 Top Level Executive Technical Managers with over 30 years of Experience in each of their perspective Development Sectors available for all projects that our fund invests in.  These projects are designed to insure extreme depth of expertise and experience management which is available to any project at any and every stage of the project program, regardless of location of the project anywhere globally.

** Fully Integrated Oil & Gas / Real Example Project:

This Oil & Gas production program is headed up by a Top Level Senior International Consultant which is an Oil and Gas Industry Executive who has been involved in the Oil & Gas Industry over the past 50 years.  This Oil & Gas Executive is the Systems Developer, Scientist, Equipment Designer and Engineer who is recognized as an expert in his field by the U.S. Department of Energy who also has called him upon him frequently in the past to trouble shoot particular Oil and Gas fields as a technical advisor and as a trouble shooter to rectify any and all problems associated with troubled oil and gas production fields.

This Top Senior International Consultant has a proprietary and proven 12 step methodology for siting, drilling, completing and production techniques for all wells.  He has a historical commercial success rate of 92% for bringing in all of his wells sited, drilled, completed and producing which also has a normal life span of 15 to 20 plus year’s worth of production.

This Advanced High Income Generation Oil and Gas project is comprised of the following: 

A Top Down Electric Air Hammer System which is highly sensorized with Professional Engineers and Scientists managing all operational positions.  These auto sensor rigs provide detailed information by satellite to a centralized operations and training center where all decisions are made by people with 45 – 50 years of successful completion and production experience.

Each oil and gas well completed will be drilled in both soft and hard rock beds and will vary in depths from 3,000 feet to over 13,000 feet.  All wells in this program will be completed initially in the state of Texas, in the United States of America.

Typical production wells will produce 60 barrels of oil per day to 500 – 600 barrels of oil per day and the gas wells will produce in a typical range of 2 million cubic feet of natural gas per day to in excess of 20 million cubic feet of natural gas per day. The total net operating investment will be returned within 4 months of production for each well.

Multiple producing formations will be completed and isolated with proprietary tools and instruments which will be operated simultaneously through out the life of the wells.  The typical life of these well are 15 – 20 years because of the 12 different proprietary methods used for siting, drilling, completion and production techniques, tools, proprietary materials and instruments used on each and every well which prevents formation damage and increases the life cycle of each well to maximize the highest production obtainable.

This program consists of hundreds of oil and gas wells sited, drilled, completed and in production within a 1 – 2 year period.  These wells will be sited, drilled and completed in historically very well known and documented oil and gas producing formations within the state of Texas, in the United States of America.

Investors will receive an estimated 15 – 21% annual return per year on their investment, with payments coming at the end of each year from this program.  The threshold investment will be an aggregate amount of 0 hundred million dollars which is what the minimum program investment calls for.

Estimated program revenues are based on dollars a barrel and .5 dollars per thousand cubic foot of natural gas.  Over the last year crude oil (West Texas Intermediate) has sold as low as dollars a barrel up to as much as 7 dollars a barrel.  Over the past year natural gas has sold from .5 dollars a thousand cubic foot to .3 dollars per thousand cubic foot.

Example Oil & Gas Well Profile:  One well; properly sited, drilled, completed and producing will conservatively produce 100 barrels of oil per day and 4 million cubic foot of natural gas per day.  This provides the overall program (100 barrels x per barrel = ,000) ,000 dollars per day of revenue.  Each 4,000 cubic foot of natural gas (4,000 x .5 per thousand cubic foot = ,000) ,000 dollars per day of revenue.  Total revenue for this example is estimated at ,000 dollars per day of program revenue for this example. 

** All wells in this program will not produce the same **

Each month this represents a program return of (30 days x ,000 = 0,000) 0,000 dollars of revenue coming from this one (1) example well.  The investment program we are offering involve several hundreds of program wells being sited, drilled, completed and operating within a 1 to 2 year period.

Remember, this is only two elements of a fully integrated Advanced High Income Generation Project which will involve in most cases several other elements to generate very substantial amounts of revenues over the course of the project life.  With the combination of several other Advanced High Income Generation Elements within one project, this will enhance the financial returns and revenues of the program itself, and thus will also greatly reduce any associated risk due to the diversification of the different Major Income Generation elements within each project.

Once again, the result of this Special Investment Vehicle fund are highly advantageous investment opportunities that by far exceed the majority of investment opportunities from a financial return and an extremely low risk standpoint by investing in Outstanding Advanced High Income Generation Projects.

Headquartered in San Antonio, Texas, Cabal Capital Management, L.L.C. is managed by Kent Sullivan: www.cabalcapitalmanagement.com

 

yari investments

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