Free information about Market and Finances http://e-articles.info/e/s/s/Market-and-Finances/ en-us E-articles.info 2006 - 2009 Creative financing describes any way outside of the traditional home-buying experience that you can buy or sell real estate. However, over the years the term has come to be used largely to indicate atypical types of sales agreements, such as when the seller agrees to set up a payment system with the buyer and finance it themselves (owner-financing), when the buyer takes over the mortgage payments but does not actually assume the mortgage (subject-to financing) or when the buyer pays rent for a period of time and then exercises the option to buy the house (lease-option financing). All of these types of creative financing can make the difference for you as a real estate investor when you are dealing with tough housing markets and even tougher credit market regulations... by Peter Vekselman http://e-articles.info/e/a/title/3-Keys-to-Success-with-Creative-Financing/ http://e-articles.info/e/a/title/3-Keys-to-Success-with-Creative-Financing/ Mon, 26 Oct 2009 00:33:17 GMT   In today's real estate market, real estate investment are hearing the words "creative financing" more than ever before. These words mean different things to different investors and sellers, but nearly everyone agrees that creative financing happens outside the bounds of the traditional mortgage application and loan approval process. Of course, there is a lot more to creative financing than just getting around the banks, and these days knowing your options can dramatically expand your real estate investing potential... by Peter Vekselman http://e-articles.info/e/a/title/An-Introduction-to-Creative-Financing/ http://e-articles.info/e/a/title/An-Introduction-to-Creative-Financing/ Fri, 23 Oct 2009 01:41:22 GMT As Americans enter their seniors years, changing concerns or disappointment with current life insurance policies have motivated many policyholders to discontinue or sell their existing life insurance policies. There are many reasons why your life insurance policy may not meet your needs anymore. Instead of staying stuck paying the high premiums, consumers now have the option to sell their plans as senior life settlements... by Sarah Michaels http://e-articles.info/e/a/title/New-financial-options-and-opportunities-for-seniors/ http://e-articles.info/e/a/title/New-financial-options-and-opportunities-for-seniors/ Thu, 22 Oct 2009 02:49:27 GMT Since the early 1980s, Islamic banking has developed into a multi-billion dollar business. The Western world is realizing that, even in its own cities, it is no longer a ‘fringe'business . The creation of the Islamic Development Bank (IDB) in Jeddah in 1975 was a landmark for Islamic banking... by Norbert Taberhan http://e-articles.info/e/a/title/A-recent-history-of-Islamic-banking/ http://e-articles.info/e/a/title/A-recent-history-of-Islamic-banking/ Wed, 21 Oct 2009 03:57:32 GMT Feasibility studies are a combination of a market study and financial analysis used to determine if it is financially feasible to develop a proposed property. They are also performed to evaluate the feasibility of renovating or upgrading an existing property. Feasibility studies determine whether a property is financially feasible and whether its complete and stabilized value are equal to or exceed (1) the total costs to build it, (2) entrepreneurial profit and (3) an adequate return for the capital invested to develop the property... by Patrick C. O Connor http://e-articles.info/e/a/title/Feasibility-Studies/ http://e-articles.info/e/a/title/Feasibility-Studies/ Thu, 12 Mar 2009 04:23:37 GMT   Payroll: Are you doing it right?   Introduction Payroll is the heart of any business. It is the one financial function of every business which must be punctual and accurate. It is also one area which has great potential for assisting in other areas of business... by Andrew Carey http://e-articles.info/e/a/title/Payroll:-Are-you-doing-it-right/ http://e-articles.info/e/a/title/Payroll:-Are-you-doing-it-right/ Tue, 03 Mar 2009 05:31:42 GMT The foreign exchange market is also called FX or it's also found to be named to as the FOREX. All three of these have the same meaning, which is the business deal of trading between different companies, banks, businesses, and governments that are situated in different countries. The financial market is one that's always changing leaving transactions required to be completed through brokers, and banks... by Fjlee http://e-articles.info/e/a/title/FOREX-(Foreign-Exchange-Market)/ http://e-articles.info/e/a/title/FOREX-(Foreign-Exchange-Market)/ Fri, 26 Dec 2008 06:39:47 GMT Islamic banking is one of the fastest growing sectors of the financial industry. But in order for Islamic Financial Institutions (IFIs) to remain competitive with conventional banks, IFIs must be able to deliver specialized products and services to meet customer needs. Microfinance-a division of finance ideologically compatible with Islamic finance, capable of Shariah-compliancy, and possessing a sizeable potential market-is a perfect fit for inclusion in IFIs' new products and services... by Dr. Linda Eagle http://e-articles.info/e/a/title/Microfinance-and-Islamic-Finance:-A-Perfect-Match/ http://e-articles.info/e/a/title/Microfinance-and-Islamic-Finance:-A-Perfect-Match/ Fri, 26 Dec 2008 07:47:52 GMT   Twice a month, Rose Anite, a 26 year old Sudanese woman, buys fish from a location near the Nile River in Uganda. Rose then sells the fish at the open market in the Sudanese city of Yea. However, due to poor roads and a crumbling infrastructure, Rose's trips to Uganda last a long and wearisome seven days... by Dr. Linda Eagle http://e-articles.info/e/a/title/Making-Microlending-Work/ http://e-articles.info/e/a/title/Making-Microlending-Work/ Fri, 26 Dec 2008 08:55:57 GMT There are an estimated 1.61 billion Muslims worldwide, making Islamic banking one of the fastest growing segments of the financial industry. Banks serving the Islamic population must comply with several very specific principles of Islamic law if they hope to retain existing customers and attract new ones... by Dr. Linda Eagle http://e-articles.info/e/a/title/Banking-on-Sharia-Principles:-Islamic-Banking-and-the-Financial-Industry/ http://e-articles.info/e/a/title/Banking-on-Sharia-Principles:-Islamic-Banking-and-the-Financial-Industry/ Thu, 25 Dec 2008 09:23:15 GMT The foreign exchange market is also called the FX market, and the forex market. Trading that occurs between two counties with different currencies is the fundament for the fx market and the background of the trading in this market. The forex market is over thirty years old, established in the early 1970's... by fjlee http://e-articles.info/e/a/title/Foreign-exchange-market-is-different-from-the-stock-market/ http://e-articles.info/e/a/title/Foreign-exchange-market-is-different-from-the-stock-market/ Thu, 20 Nov 2008 10:31:20 GMT A money manager oversees entire funds or segments of funds, both public and private. The magnitude of large pools of capital requires infinitely more sophisticated management than ever before in the history of the capital markets. It also elevates the competition for attention to any individual security, and thereby demands greater sophistication in security analysis... by Jason Steup http://e-articles.info/e/a/title/WHAT-ARE-THE-MONEY-MANAGER-AND-INSTITUTIONAL-PORTFOLIO-MANAGER/ http://e-articles.info/e/a/title/WHAT-ARE-THE-MONEY-MANAGER-AND-INSTITUTIONAL-PORTFOLIO-MANAGER/ Mon, 19 May 2008 11:39:25 GMT Until relatively recently, the securities industry outside of the United States wasn’t attuned to investor relations as we here know it. The way for Americans to go into Europe, for example, was through American investment bankers with branches or associates in Europe. Access was limited, and very few American firms Europeanized themselves enough to really make a dent in the market... by Jason Steup http://e-articles.info/e/a/title/THE-OVERSEAS-MARKET/ http://e-articles.info/e/a/title/THE-OVERSEAS-MARKET/ Mon, 19 May 2008 12:47:30 GMT Financial data—the financial information about a company—is the simplest to define. Basic financial data is embodied in the company’s audited and non-audited financial statements, its government filings, including its unaudited Management Discussion and Analysis of the financial statements, and supplemental schedules. It’s made available to shareholders in annual and interim reports, and is readily found on the internet and web sites, and for larger companies, in the business and financial media... by Jason Steup http://e-articles.info/e/a/title/FINANCIAL-DATA/ http://e-articles.info/e/a/title/FINANCIAL-DATA/ Mon, 19 May 2008 13:55:35 GMT Since earnings, and the ability to project a company’s earnings potential, are a significant aim of most analysis, earnings history is a basic tool. It should be clearly understood, however, that the numbers for earnings never stand alone, and even the traditional view of earnings is constantly being reevaluated. How, for example, can today’s earnings, if they’re based on non-comparable asset values, be made comparable to the earnings reported two years ago? Thus, earnings are relative to many other factors, all of which must be transmitted to analysts... by Jason Steup http://e-articles.info/e/a/title/THE-EARNINGS-RECORD/ http://e-articles.info/e/a/title/THE-EARNINGS-RECORD/ Mon, 19 May 2008 14:23:40 GMT The analysts, with their computers or electronic calculators, can compute a head-spinning number of ratios, many of which, like astrological symbols, can assume meanings of varying importance for different people. Ratios without explanation frequently imply a picture that, in view of changing conditions and other factors, may not be accurate in terms of the corporation’s actual operations. Ratios, like any statistics, are a still picture of a corporation frozen at the moment the picture was taken, while the corporation continues to move on... by Jason Steup http://e-articles.info/e/a/title/RATIOS/ http://e-articles.info/e/a/title/RATIOS/ Mon, 19 May 2008 15:31:45 GMT Because of some of the problems associated with earnings-based analytical formulas, more analysts are turn to cash flow analysis, which they believe gives a truer picture of how a business is being run. Cash flow, many analysts feel, levels all the accounting acrobatics that sometimes obfuscate the picture of a company. The concept is an old one in economics that says that the value of an investment is derived from its cash flow—the organization’s basic cash-in, cash-out... by Jason Steup http://e-articles.info/e/a/title/CASH-FLOW/ http://e-articles.info/e/a/title/CASH-FLOW/ Sat, 17 May 2008 16:39:50 GMT There are hundreds of Forex demo accounts available on the internet. Most are free and simple to download and set up on your computer. Some argue that these demo accounts are not a true indicator of actual "live" Forex trading... by Mathew Murray http://e-articles.info/e/a/title/Forex-Demo-Accounts-Explained/ http://e-articles.info/e/a/title/Forex-Demo-Accounts-Explained/ Thu, 01 May 2008 17:47:55 GMT The balance sheet still offers the best picture of a company’s financial position —as of the date of the balance sheet. If the balance sheet of Enron, had been heeded, then its favorable earnings reports issued immediately prior to its bankruptcy might have been viewed with a bit more skepticism. The balance sheet does—or should—tell the analyst a great many things... by Jason Steup http://e-articles.info/e/a/title/BALANCE-SHEET/ http://e-articles.info/e/a/title/BALANCE-SHEET/ Thu, 01 May 2008 18:55:15 GMT Some aspects of the cost of capital, such as the prime rate inflation, and taxes, are fairly evident. The company that must function heavily with short-term borrowing, such as a leasing company or an importer who de- pends upon revolving credit lines, will find itself in serious trouble when the prime rate starts to climb. The company that is fairly heavily leveraged— has a very high debt in proportion to its equity—is also in serious trouble... by Jason Steup http://e-articles.info/e/a/title/COST-OF-CAPITAL/ http://e-articles.info/e/a/title/COST-OF-CAPITAL/ Thu, 01 May 2008 19:23:20 GMT No view of contemporary analysis can be complete without at least a passing acquaintance with Modern Portfolio Theory—MPT. MPT, simply, is a scientific approach to understanding the market value of a security. While there is very little a company can do, beyond dealing with analytic fundamentals, to influence portfolio analysis using Modern Portfolio Theory, the increasing use of MPT warrants at least a minimal understanding of it... by Jason Steup http://e-articles.info/e/a/title/MODERN-PORTFOLIO-THEORY/ http://e-articles.info/e/a/title/MODERN-PORTFOLIO-THEORY/ Sat, 12 Apr 2008 20:31:25 GMT The general rules of disseminating basic material required to be disclosed are essentially simple and mechanical, yet if a professional approach is ignored, the effect will be sharply diminished. In working with the media—in any medium—the objective of your presentation should always be kept in mind and in focus. The idea is to present the message about your company in the most favorable light, with focus on the key points, and without distorting the truth... by Jason Steup http://e-articles.info/e/a/title/RULES-FOR-WORKING-WITH-THE-FINANCIAL-MEDIA/ http://e-articles.info/e/a/title/RULES-FOR-WORKING-WITH-THE-FINANCIAL-MEDIA/ Sat, 12 Apr 2008 21:39:30 GMT In the realm of investor relations, the value of visibility through the media is high and warrants the specific effort that must go into achieving it. Its ultimate aims are: • To achieve and sustain visibility for the company, its management, its products or brands, and its activities. • To project the company’s capabilities in ways that demonstrate its ultimate ability to appreciate the invested dollar... by Jason Steup http://e-articles.info/e/a/title/AIMS-OF-FINANCIAL-PUBLICITY/ http://e-articles.info/e/a/title/AIMS-OF-FINANCIAL-PUBLICITY/ Thu, 10 Apr 2008 22:47:35 GMT Financial and business news generally falls into the following specific Categories: • News released under the Rules of Disclosure of the SEC and the Exchanges. This is financial and other company information deemed material to an investment decision • Major news events beyond routine financial announcements. This is significant company news beyond reporting financial performance... by Jason Steup http://e-articles.info/e/a/title/CATEGORIES-OF-BUSINESS-NEWS/ http://e-articles.info/e/a/title/CATEGORIES-OF-BUSINESS-NEWS/ Thu, 10 Apr 2008 23:55:40 GMT Could a multi-national coalition, economically armed and highly motivated, deliberately plan and execute a devaluation effort against the US Dollar? Would this effort be successful in maintaining a long term advantage over the US financial might? What would it take to accomplish this - and what would it take to prevent it? This question is being asked more and more frequently in discussions from the board rooms of multi-national corporations to the trading rooms of the forex community. Not just the ones in the United States but also in London, Tokyo, Sydney, Moscow, Dubai, Abuja and even Tehran. All financial powers are beginning to raise eyebrows at the serious downward extension of the dollars recent decline; and the implications this might bring... by Mathew A. Murray http://e-articles.info/e/a/title/Orchestrated-Assault-on-the-Dollar/ http://e-articles.info/e/a/title/Orchestrated-Assault-on-the-Dollar/ Fri, 04 Apr 2008 01:23:45 GMT Islamic finance, unlike conventional banking, is a faith-based system of financial management that derives its principles from the Shariah. The code of Shariah is based on the canon law derived from the Qur’an. The basic principle of Islamic banking is the prohibition of receiving or paying riba, or interest... by Ken Alvarez http://e-articles.info/e/a/title/ISLAMIC-FINANCE-AND-STANDARD-SETTING/ http://e-articles.info/e/a/title/ISLAMIC-FINANCE-AND-STANDARD-SETTING/ Wed, 30 Jan 2008 02:31:50 GMT South Korea belongs to the so called community of “Asian tigers". Its technological progress and active population lay the foundations of society’s wealth. What has lead Korea to its modern credit card market? In the end of the nineties South Korea launched crime-fighting measures against corruption that was extremely threatening... by Patrick Pelland http://e-articles.info/e/a/title/Korean-Credit-Card-Market/ http://e-articles.info/e/a/title/Korean-Credit-Card-Market/ Wed, 23 Jan 2008 03:39:55 GMT What follows is the most complete ever more explanation for the mysterious phenomenon of capitalism - the Business Cycles. To ensure that the article can be read by any reader well educated, I have minimized the jargon of the economy and have added a short and simple introduction to the structure of the economy. Each of us would like to know why we can not have a heaven on earth... by R. Thotakura http://e-articles.info/e/a/title/Market-Failures-And-Business-Cycles/ http://e-articles.info/e/a/title/Market-Failures-And-Business-Cycles/ Thu, 15 Nov 2007 04:47:15 GMT Emerging markets are the current buzzwords for anyone involved with or interested in overseas property. Whether you are looking for a second home; a serious investment property or simply to ‘have a punt’, the emerging markets offer a broad range of opportunities. Despite many pre-conceptions, buying property in countries such as Montenegro, Latvia, Poland or Brazil is surprisingly straightforward, and you rarely have the problems that established markets such as Spain have witnessed in recent years... by Savita http://e-articles.info/e/a/title/Emerging-Markets/ http://e-articles.info/e/a/title/Emerging-Markets/ Wed, 24 Oct 2007 05:55:20 GMT The Federal Open Market Committee (FOMC) decision on interest rates is one of the most powerful market movers in the forex market and when the markets move traders trading the news have the opportunity to make money. The FOMC sets the discount rate or federal funds rate and because interest rates are set higher to induce foreign investment and therefore fight inflation during times of prosperity and lower to increase spending during recessions they are one of the main factors influencing the strength of the dollar. Economic indicators play a huge role in the forex trading especially for traders who approach the market through fundamental analysis and trade the news... by Benicio Brown http://e-articles.info/e/a/title/Forex-News-Trading-Tip:-How-To-Trade-The-FOMC/ http://e-articles.info/e/a/title/Forex-News-Trading-Tip:-How-To-Trade-The-FOMC/ Tue, 09 Oct 2007 06:23:25 GMT In today’s secondary grey market you will find “resellers”, “grey marketers” and “wholesalers” basically brokering, playing middleman, selling and buying corporate surplus technology equipment in bulk.  Then there are the actual bulk liquidation buyers of large volume surplus computer and network equipment. Surplus computer equipment usually is a manufacturer excess, overstock, and slightly obsolete inventory in huge bulk quantities that is sitting idle losing value as each day goes by... by Holly Wild http://e-articles.info/e/a/title/Understanding-surplus-equipment-and-the-companies-that-buy-surplus/ http://e-articles.info/e/a/title/Understanding-surplus-equipment-and-the-companies-that-buy-surplus/ Thu, 20 Sep 2007 07:31:30 GMT I have been a mortgage broker for over 10 years in South Florida. Over the years, many mortgage acceleration programs have crossed my path, but I have never felt truly passionate about one of these programs until I was introduced to the Money Merge Account from United First Financial. The purpose of this article is to outline the benefits and put to rest the misconceptions about these innovative programs and why I truly believe the Money Merge Account is the best of them... by Charles Petruzzi http://e-articles.info/e/a/title/Money-Merge-Account/ http://e-articles.info/e/a/title/Money-Merge-Account/ Thu, 13 Sep 2007 08:39:35 GMT In International trade, the buyer and the seller who are located in different countries, may not know each other and hence many times the problem of Buyer's Creditworthiness hampers the trade between the buyer and the seller. The main objectives of the buyer and the seller in any international trade and contradictory in terms of Buyer will always try to delay the payment while the seller would like to receive funds at the earliest. To mitigate this problem, Seller always request Buyer to arrange for a Letter of Credit to be issued by Buyer's Bank... by Ajit Purandare http://e-articles.info/e/a/title/Letter-of-Credit:-information;-types;-advantages-and-limitations/ http://e-articles.info/e/a/title/Letter-of-Credit:-information;-types;-advantages-and-limitations/ Mon, 30 Jul 2007 09:47:40 GMT Economics assumes that human beings are rational. But human reactions to stock market movements are utterly irrational. When markets rise, everybody cheers... by Shail Mehta http://e-articles.info/e/a/title/Why-should-we-welcome-market-crash/ http://e-articles.info/e/a/title/Why-should-we-welcome-market-crash/ Tue, 19 Jun 2007 10:55:45 GMT International prices for soft commodities are known for their volatility, which is an important concern on both a macro and micro scale. Price fluctuations for soft commodities can destabilise real exchange rates and can cause difficulties for the governments of emerging market countries in facilitating the reduction of poverty and preserve a stable economic environment. On a micro scale, we are primarily concerned about the effect of price uncertainty on the operations of producers and traders in commodities... by Daniel John http://e-articles.info/e/a/title/Effects-of-Price-Volatility-on-Producers-of-Agricultural-Commodities-in-Developing-Countries/ http://e-articles.info/e/a/title/Effects-of-Price-Volatility-on-Producers-of-Agricultural-Commodities-in-Developing-Countries/ Mon, 18 Jun 2007 11:23:50 GMT Trade finance is the method importers and exporters of commodities and goods use to finance their business. Basically, trade finance has been in existence for many thousands of years - and one can trace the roots of trade finance and structured trade finance right back to the early days of China and the silk route, Mesopotamia and Europe. Trade Finance was around long before Europeans settled in America and long before the world’s stock markets were born! Today, trade finance is a massive, multi-billion dollar business... by Daniel John http://e-articles.info/e/a/title/Importance-of-Trade-Finance-and-Structured-Trade-Finance-for-Importers-and-Exporters-of-Commodities/ http://e-articles.info/e/a/title/Importance-of-Trade-Finance-and-Structured-Trade-Finance-for-Importers-and-Exporters-of-Commodities/ Tue, 15 May 2007 12:31:55 GMT The Snapshot report is handy for checking market capitalization, valuation, float, and cash flow. Market Capitalization Market capitalization, computed by multiplying the number of shares outstanding by its recent share price, describes the company's size or market value. You won't have to do that calculation because most financial sites list each stock's market capitalization... by Eric Wayland http://e-articles.info/e/a/title/Snapshot-Report/ http://e-articles.info/e/a/title/Snapshot-Report/ Mon, 02 Apr 2007 13:39:15 GMT You can use three different margins to gauge profitability: gross margin, operating margin, and overall profit (net income) margin. All three are computed by dividing profits by total sales: margin = profit/total sales Margins can be computed for any period (e.g... by Jackie Thurman http://e-articles.info/e/a/title/Analyzing-Margins/ http://e-articles.info/e/a/title/Analyzing-Margins/ Mon, 26 Mar 2007 14:47:20 GMT The SEC requires that public corporations submit financial statements four times a year (quarterly). Quarterly reports (10Q) must be filed within 45 days of the end of each quarter, and a 10K (annual) report is required within 90 days of the end of the company’s fiscal year. The SEC reports are filed in electronic format and are immediately available on the SEC’s EDGAR database (www... by Tamy Cargova http://e-articles.info/e/a/title/How-to-read-the-financial-statements/ http://e-articles.info/e/a/title/How-to-read-the-financial-statements/ Thu, 22 Mar 2007 15:55:25 GMT Valuation ratios tell you something about whether the market is pricing your candidate as a value, growth, or momentum stock. In this context, value stocks are out of favor; that is, they are of no interest to most market participants who prefer growth stocks. Momentum-priced stocks are not really a separate category; rather they are the most in-favor subset of the growth category... by Eric Wayland http://e-articles.info/e/a/title/Valuation-Ratios/ http://e-articles.info/e/a/title/Valuation-Ratios/ Tue, 13 Mar 2007 16:23:30 GMT As a rule, I generally try to dissuade my clients, or anyone, from buying securities on margin (credit). The reason is that it’s just too risky, especially with the way the market has been behaving over the past two years. While I am not going into too much detail about buying on margin, I am saying this... by Bonnie Stewart http://e-articles.info/e/a/title/Advantages-of-buying-on-margin/ http://e-articles.info/e/a/title/Advantages-of-buying-on-margin/ Mon, 05 Mar 2007 17:31:35 GMT A strategy designed to combat the unknown elements of the stock market is called “dollar-cost averaging,” or DCA. When we discussed systematically investing over a period of time, we touched on DCA. Although we didn’t mention it specifically, DCA can provide a good means of getting your feet wet in the market without the potential headache of jumping in headfirst... by Bonnie Stewart http://e-articles.info/e/a/title/DOLLAR-COST-AVERAGING/ http://e-articles.info/e/a/title/DOLLAR-COST-AVERAGING/ Sun, 04 Mar 2007 18:39:40 GMT The concept of market timing is very seductive. After all, who wouldn’t want to be in the market during the good times and out of the market during the down times? Market timing is just like a crapshoot. Sure, you may get lucky and wind up gaining more than you anticipated... by Bonnie Stewart http://e-articles.info/e/a/title/The-concept-of-Timing-the-Market/ http://e-articles.info/e/a/title/The-concept-of-Timing-the-Market/ Thu, 22 Feb 2007 19:47:45 GMT There are ways to make money in the stock market, as long as you are patient. The stock market is the best place to try and make money, because it offers many diverse companies (varying in size and sector) in which to invest. And while there will always be stories of those people who made their money in the market very quickly, the majority of successful investors are those patient people who employ a buy-and-hold tactic... by Bonnie Stewart http://e-articles.info/e/a/title/THE--BUY-AND-HOLD-STRATEGY/ http://e-articles.info/e/a/title/THE--BUY-AND-HOLD-STRATEGY/ Thu, 08 Feb 2007 20:55:50 GMT In the course of the company's business planning (both in its early stages and as updates are made with time), the company plans in advance the most efficient way for reaching its goals. The company should take part in joint ventures or other strategic alliances if it finds that this would be a more efficient way of reaching its goals than a route in which the company independently invests the financial and human resources required to reach these goals. Alternatively, it should do so if it concludes that it will be unable to reach such goals independently... by Jennifer A. Rivers http://e-articles.info/e/a/title/Types-Advantages-and-Disadvantages-of-Strategic-Alliances/ http://e-articles.info/e/a/title/Types-Advantages-and-Disadvantages-of-Strategic-Alliances/ Sun, 14 Jan 2007 21:23:55 GMT Correct business planning starts with a market analysis, i.e., understanding its demands and examining the existing solutions, as well as the solutions that are expected to be in the market around the time when the company's products are launched... by Jennifer A. Rivers http://e-articles.info/e/a/title/Market-Analysis-and-Strategic-Planning/ http://e-articles.info/e/a/title/Market-Analysis-and-Strategic-Planning/ Sat, 06 Jan 2007 22:31:15 GMT Several relevant sources of capital are available to a startup in order to meet the company's needs in its various phases. Sources of financing are classified primarily into equity (usually in the form of shares), which is capital invested in the company in consideration for part of the ownership and debt. Many financial instruments are constructed from a combination of the two, such as convertible debentures, which combine debt and options for equity... by George Tuckson http://e-articles.info/e/a/title/Sources-of-Capital/ http://e-articles.info/e/a/title/Sources-of-Capital/ Sun, 10 Dec 2006 23:39:20 GMT Intuitively, it is natural to expect that the performance of an employee and the company affect managerial compensation. However, it is essential to understand that choosing the correct composition of the compensation package should be made while taking into account the existing risk associated with holding the company's shares, the current composition of the employee's equity holdings, and the degree of the employee's risk-aversion, which could be affected by his domestic situation, wealth, and lifestyle. Compensation in the form of options assumes that the employee has a direct impact on the company's performance and on its market price... by George Tuckson http://e-articles.info/e/a/title/Performance-based-Compensation/ http://e-articles.info/e/a/title/Performance-based-Compensation/ Mon, 06 Nov 2006 01:47:25 GMT The value of money has to do with the purchasing power of a unit of money. One approach to the measurement of money value is to look at its precious metal equivalent. Under a gold standard, a dollar should be worth approximately a dollar’s worth of gold... by Mario Irizarry http://e-articles.info/e/a/title/What-is-the-Value-of-Money/ http://e-articles.info/e/a/title/What-is-the-Value-of-Money/ Mon, 30 Oct 2006 02:55:30 GMT The velocity of money is the average number of times per year that a unit of currency (e.g., U... by Mario Irizarry http://e-articles.info/e/a/title/What-is-the-Velocity-of-Money/ http://e-articles.info/e/a/title/What-is-the-Velocity-of-Money/ Mon, 30 Oct 2006 03:23:35 GMT The balance of payments for a country summarizes all the international transactions that involve either an outflow or an inflow of money. It is composed of three major elements: (1) the current account, (2) the capital account, and (3) the official reserves transactions account. The official reserves transactions account reflects the official transactions between central banks that must occur when the combined balance of the current and capital accounts is in either the deficit or surplus column... by Walter Henson http://e-articles.info/e/a/title/What-is-The-Balance-of-Payments/ http://e-articles.info/e/a/title/What-is-The-Balance-of-Payments/ Tue, 24 Oct 2006 04:31:40 GMT Forced savings refers to the use of money creation and inflation to divert resources into the production and acquisition of capital goods. A government that prints up money, as opposed to levying taxes or selling bonds, to pay for the construction of a hydroelectric generation facility is pursuing a policy of forced savings. Less-developed countries, particularly in Latin America, turned to forced savings policies in the post–World War II era as a means of financing economic development... by Dominique Mole http://e-articles.info/e/a/title/Short-Introduction-in-Forced-Savings/ http://e-articles.info/e/a/title/Short-Introduction-in-Forced-Savings/ Tue, 24 Oct 2006 05:39:45 GMT Under a commodity monetary standard, a medium of exchange and unit of account is either a commodity or a claim to a commodity and the commodity is a good that would have value even if it were not used for money. Put differently, the commodity has an intrinsic value, in contrast to the paper money of an inconvertible paper standard that has value only by government fiat and is called fiat money for that reason. In the purest form of commodity money, the commodity itself may change hands... by Walter Henson http://e-articles.info/e/a/title/What-is-the-Commodity-Monetary-Standard/ http://e-articles.info/e/a/title/What-is-the-Commodity-Monetary-Standard/ Sun, 22 Oct 2006 06:47:50 GMT Foreign exchange markets are markets in which national currencies are bought and sold with other national currencies. In a foreign exchange market U.S... by Dominique Mole http://e-articles.info/e/a/title/What-are-Foreign-Exchange-Markets/ http://e-articles.info/e/a/title/What-are-Foreign-Exchange-Markets/ Tue, 17 Oct 2006 07:55:55 GMT The interest rate can be regarded as the cost of money, expressed as a percentage. If the annual interest rate is 10 percent, an individual borrowing $100 for a year pays $10 interest. Decimalized currency systems substantially facilitated the calculation of interest... by Devin Mavro http://e-articles.info/e/a/title/What-is-the-Interest-Rate/ http://e-articles.info/e/a/title/What-is-the-Interest-Rate/ Thu, 12 Oct 2006 08:23:15 GMT Bills of exchange developed during the Middle Ages as a means of transferring funds and making payments over long distances without physically moving bulky quantities of precious metals. In the hands of thirteenth-century Italian merchants, bankers, and foreign exchange dealers, the bill of exchange evolved into a powerful financial tool, accommodating short-term credit transactions as well as facilitating foreign exchange transactions. The invention of the bill of exchange greatly facilitated foreign trade... by Walter Henson http://e-articles.info/e/a/title/What-are-Bills-of-Exchange/ http://e-articles.info/e/a/title/What-are-Bills-of-Exchange/ Sun, 08 Oct 2006 09:31:20 GMT The most important, but also the most difficult, step in capital budgeting is estimating projects’ cash flows—the investment outlays and the annual net cash flows after a project goes into operation. Many variables are involved, and many individuals and departments participate in the process. For example, the forecasts of unit sales and sales prices are normally made by the marketing group, based on their knowledge of price elasticity, advertising effects, the state of the economy, competitors’ reactions, and trends in consumers’ tastes... by George Brown http://e-articles.info/e/a/title/Identifying-the-Relevant-Cash-Flows-~-Project-Cash-Flow-versus-Accounting-Income/ http://e-articles.info/e/a/title/Identifying-the-Relevant-Cash-Flows-~-Project-Cash-Flow-versus-Accounting-Income/ Sat, 07 Oct 2006 10:39:25 GMT Under a commodity monetary standard, a medium of exchange and unit of account is either a commodity or a claim to a commodity and the commodity is a good that would have value even if it were not used for money. Put differently, the commodity has an intrinsic value, in contrast to the paper money of an inconvertible paper standard that has value only by government fiat and is called fiat money for that reason. In the purest form of commodity money, the commodity itself may change hands... by Walter Henson http://e-articles.info/e/a/title/Commodity-Monetary-Standard/ http://e-articles.info/e/a/title/Commodity-Monetary-Standard/ Sat, 09 Sep 2006 11:47:30 GMT An important aspect of the capital budgeting process is the post-audit, which involves (1) comparing actual results with those predicted by the project’s sponsors and (2) explaining why any differences occurred. For example, many firms require that the operating divisions send a monthly report for the first six months after a project goes into operation, and a quarterly report thereafter, until the project’s results are up to expectations. From then on, reports on the operation are reviewed on a regular basis like those of other operations... by George Brown http://e-articles.info/e/a/title/The-Post-Audit-aspect-capital-budgeting/ http://e-articles.info/e/a/title/The-Post-Audit-aspect-capital-budgeting/ Wed, 06 Sep 2006 12:55:35 GMT Capital budgeting is perhaps the most important task faced by financial managers and their staffs. First, a firm’s capital budgeting decisions define its strategic direction, because moves into new products, services, or markets must be preceded by capital expenditures. Second, the results of capital budgeting decisions continue for many years, reducing flexibility... by George Brown http://e-articles.info/e/a/title/Overview-of-Capital-Budgeting-and-Project-Classifications/ http://e-articles.info/e/a/title/Overview-of-Capital-Budgeting-and-Project-Classifications/ Mon, 21 Aug 2006 13:23:40 GMT The optimal capital budget is the set of projects that maximizes the value of the firm. Finance theory states that all projects with positive net present values (NVP) should be accepted, and the optimal capital budget consists of these positive NPV projects. However, two complications arise in practice: (1) an increasing marginal cost of capital and (2) capital rationing... by George Brown http://e-articles.info/e/a/title/The-Optimal-Capital-Budget/ http://e-articles.info/e/a/title/The-Optimal-Capital-Budget/ Sun, 09 Jul 2006 14:31:45 GMT I’ll use Impath, the cancer diagnostic service provider, to demonstrate how to fill out the growth stock scorecard. Step 1. Analysts’ Ratings & Forecasts Good growth candidates often have relatively weak, but not too weak sentiment scores, combined with strong earnings growth prospects... by Glen Barthley http://e-articles.info/e/a/title/Growth-Stock-Analysis-Scorecard/ http://e-articles.info/e/a/title/Growth-Stock-Analysis-Scorecard/ Thu, 01 Jan 1970 15:39:50 GMT