Top Financial - Personal Finance

Creative Financing Secrets

Things Your Mortgage Company Or Bank Either Dont Know - Or Wont Tell You!

2011/06/25

Complete Guide to Auto Financing - 50% Per Sale/Upsell!

Get in the lucrative auto financing niche now! Earn over $50 per sale with our product + membership upsell.

Franchise Quiznos restaurant: 100% financing on bad credit in 45 days!

Franchise Quiznos restaurant: 100% financing on bad credit in less than 45 days! Recommended.com voted best business e-book sold over 385,256 copies in 4 months! Affiliates make 75% commission over 1,200 affiliates making $750 per day! Sign up now!

Power Station Financial Models

Power Station Financial Models Membership Website - Project Finance Spreadsheet Ms Excel Models.

Sugar Babies Concesson Box - Milk Chocolate Covered (Pack of

The PEG-SJ22 Clie handheld provides everything you need to stay organized and entertained. Compact and lightweight, you can take your Clie handheld wherever you go. The high-resolution color screen shows images in full detail and color. In addition to the 16 MB internal memory, the Memory Stick media expansion slot offers unlimited storage capability for all your favorite applications. Plus, the unique Jog Dial navigator provides easy access to your stored information. Finally, PEG-SJ22 comes bundled with a variety of entertainment and productivity applications to fit both your needs and your lifestyle.

Display
The PEG-SJ22 features high resolution on its 320 x 320 pixel backlit color display, which can display over 65,000 colors.

Operating System
The Sony Clie PEG-SJ22 is powered by Palm OS 4.1, which comes with programs such as Address Book, Calculator, Card Info, Date Book, Mail, Memo Pad, Palm Desktop v. 4.0.1 (for PC), Security, and To Do List.

Extra Software
The PEG-SJ22 comes with the following Sony software: Clie Paint, Clie Mail, Memory Stick Autorun, Memory Stick Backup, Memory Stick Export v. 1.2 (for PC), Memory Stick Gate, Memory Stick Import, PhotoStand, PictureGear 4.6 Lite (for PC), PictureGear Pocket, and World Alarm Clock.

Compatibility
The Sony Clie PEG-SJ22 is compatible with Windows 98 SE, Me, 2000 Professional, and XP Home and Professional Edition (not Macintosh).

In the Box
The Sony Clie PEG-SJ22 comes with a USB HotSync cradle, stylus, AC Adapter, AC cable, protective cover, installation CD-ROM, Start Up Guide, End User License Agreement, Graffiti card, and limited-warranty statement.

Price:

Hans Brinker or the Silver Skates

HANS BRINKER OR THE SILVER SKATES - DVD Movie

Price: $14.99

Roustabout

The Elvis formula was well in place by the time of 1964's Roustabout: a passel of undistinguished songs (anyone remember "Poison Ivy League"?), pretty girls, tight pants, a colorful setting, and a little bit of karate to prove that Elvis really had been studying his martial arts. With that understood, Roustabout is a better-than-average workout for the King--not as peppy as Viva Las Vegas, but a good deal livelier than the sleepwalking It Happened at the World's Fair. Elvis plays a bad-boy singer roaming the highways on his Japanese motorcycle; laid up after an accident, he joins a carnival owned by the feisty Barbara Stanwyck. ("This is not a circus, it's a carnival. There's a big difference.") The cast goes from high to low: both giant-sized future James Bond villain Richard Kiel and tiny Billy Barty are carny regulars, and Raquel Welch has a small role in the opening scene. Teri Garr is one of the carnival dancers behind Elvis. The legendary costume designer Edith Head puts Elvis in a series of snappy windbreakers, but thank goodness he's also in black leather a lot. As if that weren't enough to recommend it, the movie has a sequence involving Elvis riding a cycle inside the "Wall of Death," a huge wooden cylinder with high walls. This bit actually inspired an entire Irish film in 1986, Eat the Peach, in which friends build a similar contraption after they watch Roustabout on tape. --Robert Horton

Price: $9.98

2011/06/24

Sport Finance - 2nd Edition (Hardcover Book)

Sport Finance, Second Edition, grounds students in the real world of financial management in sport, showing them how to apply financial concepts and appreciate the importance of finance in sound sport management and operations. Designed for sport finance courses in a sport management curriculum and aligned with the requirements set forth by the National Association for Sport and Physical Education (NASPE) and the North American Society for Sport Management (NASSM), this text distinguishes the skills and principles of finance from those of economics. It also
allows students to apply information in whatever segment of the sport industry they will be working inincluding professional franchises, college athletics, local clubs, and retail settings;
includes expanded coverage of business structures, the time value of money, and ethical guidelines and issues in auditing;
presents updated examples, references, and case studies, giving students contemporary examples and adequate coverage of core concepts; and
helps students new to sport finance comprehend the subject by including chapter objectives, easy-to-follow figures and tables, summaries, and discussion questions.

Price: $65.00

Quicken Deluxe 2011

Avoid the hassle of going to multiple websites. Now you can see it all in one place with just ONE password. Intuit Quicken Deluxe 2011 Software now automatically downloads your transactions from over 12,000 banks, brokerages, and other financial institutions — including PayPal

Price: $59.95

Brand New Encore Electronics Hoyle Bridge Complete Tutorial For Players Of All Levels Bridge Forms

Whether you are testing your skill or refining your strategy, don't wait until Friday night to play your favorite Bridge games. Beginner or expert - expect to be addicted to Hoyle Bridge in no time. Learn to interpret bidding! The Hoyle Bridge Explain Hand option provides bidding information estimated high card points and distribution for each player. The built-in tutorial offers a comprehensive Bridge lesson to players of all levels.

Price: $23.78

Home Budget For Dummies

Get your finances in shape and start managingyour money the right away!

The interactive software for effectively managing your budget. With Home Budget for Dummies, you can organize and manage your accountsstress free! It is as easy as ABC - indicate your sources of revenue andtheir frequency, organize your cash flows, and picture the state of your budget withgraphics to assist you. The popular For Dummies seriesif finally available to your computer! No more never-endinginstallation, confusing instructions, and wasted hours trying to make the software work! This user friendly software can help you with your everyday computingneeds. The computer software made easy for everyone!

Find out how to establish and follow a budget
Assess your regular income, recurring expenses, and needs. Plan for yourlong-term finances based on priorities and goals you set for yourself.

Resolve your financial concerns
Get a handle on your debts and resolve your overspending problems. Choose theright financial plans and effectively manage your investments so that you make aprofit on your savings.

Manage your accounts more easily
What bank should you choose? How can you reduce your expenses? How do you loweryour taxes? Discover useful tips and tricks for managing your personal financesmore effectively.

Establish your budget in mere minutes
Use the wizard to easily set up your budget one step at a time. Immediatelycheck your balance by viewing the software's automatic budget calculation.

Develop your financial plan
Use the planning tool to organize your expenses according to your cash flow.Plan your financial

Price: $14.99

Get Funded by Angel Match Investors Who Match Your Business Plan

Angel match investors with their ethos who possess certain qualities that make businesses flourish and ensure profits in the long run. They provide the much needed start up capital for your venture as they pinpoint businesses that have money making potential, are interesting and laden with promises and are in sync with their ideas as well.

Individuals with an eye for profits

Angel investors are individual persons who have an eye for profitable ventures or start ups where they can park their funds. Compared to traditional investors, angel investors always look for out of the box ideas and are concerned only with profit making potential of business ventures. They look for start up businesses to invest money as well as existing ventures that require some fresh capital to tide over a temporary problem.

To invest, angel match investors look for a reasonable return on investment for any venture under the sun. Traditional investors are wary of parking their funds in new enterprises and stay clear of small business owners with simple business ideas. But angels look at the bottom line and try to identify the core idea with profitability which is their sole criteria for investments.

Individual angel investors draw from their past experiences in running businesses when they look toward investing in your venture. Your business proposal has to be unique in some respects for triggering their interests. Angel match investors have a different perspective and business ideas compared to traditional lenders like capital firms and banks. They are prone to take more risks and look for matching ethics before pumping in money into new ventures.

Open to new ideas and flexible

If you are looking for start up funds or early stages of funding, your best bet would be angel investors as they would be more open to new ideas and flexible in their approach. Going by the estimates available from the Center of Venture research, sponsored by the University of New Hampshire, angel investors coast to coast are known to pump in more than $40 billion each year in more than 50,000 companies.

The best thing about angel match investors is that they get involved in an actual relationship with the company they invest in rather than just fund and wait in the sidelines. While traditional lenders stay on the sidelines after investing and are only interested in the returns, angels get actively involved with the entrepreneurs they fund.

They are known to be risk takers and have no problems waiting for 10 years to get a payoff from an investment. It is not that they do not look at potential returns on their investments, but when they fund ventures, they would also take into account the potential growth of the business, managing capabilities and the real market value as well. Look for angel investors near you with ethos that can match your business plans.

2011/06/23

University of Michigan Wolverines T-Shirt

Show your school spirit with a University of Michigan Wolverines T-Shirt from Gear for Sports!

Price:

Quicken Deluxe 2011 [Download]

Quicken Deluxe 2011 Download offers all the same great features as the desktop version giving you money management and budgeting tools to help you watch your spending and increase your savings.

Set Personal Finance Goals and Save More

View all your accounts in one place.

See exactly where your money's going with auto-categorization.

Create--and stay--on budget.

Stay on top of your day-to-day finances.

Never miss a bill.

Improved--View All Your Accounts in One Place

Organizes your finances by bringing your online accounts together--including checking, savings, credit cards, loans, investment and retirement accounts. Avoid the hassle of going to multiple websites. Now you can see it all in one place with just one password. Quicken now automatically downloads your transactions from over 12,000 banks, brokerages and other financial institutions--including PayPal.

Getting Started Is a Breeze

It's simpler than ever to put Quicken to work for you--so you can reach your personal finance goals faster. With the new Guided Setup, you just answer a few simple questions; we'll show you how Quicken works, and what to do next. You'll see your total financial picture come into focus even sooner than you expect.

Create--and Stay--on Budget

We make it easy to get on--and stay on--a budget. Quicken automatically sets up budget goals based on your historical spending. You can easily customize your plan, and Quicken then tracks your progress.

Save for the Things Most Important to You

Quicken Deluxe can also help you create customized plans to reduce/eliminate debt--and to save for a house, college, retirement or large purchase.

Never Miss a Bill

See what bills have already been paid, what's coming up, and if you have enough left in your accounts to cover them--all in one convenient place. Set reminders to pay bills on time and instantly check the status of past bills so you can avoid those pesky late fees!

Easily Uncover Any Unusual Account Activity

We've made it easier to review your transactions, so you can quickly spot anything that looks inaccurate or out of place. If a transaction requires follow-up, you can flag it with a reminder.

Simplify Taxes With TurboTax

Quicken Deluxe pairs perfectly with TurboTax to save you time. Easily export your data directly to TurboTax for fast and accurate tax preparation.

100% Satisfaction Guarantee

If you're not 100% satisfied, return your Quicken Deluxe 2011 personal finance software with your dated receipt within 60 days of purchase for a refund of the purchase price (return shipping and handling charges not included).

Get Tips From Other Quicken Users

With Quicken Live Community, you can get help and advice from other Quicken users without ever leaving Quicken. If you have a question about something specific you're trying to do, just look to Live Community on the right of the Quicken screen for the answer.

Enjoy Free Support When You Buy, Install or Upgrade Quicken

If you need help purchasing, installing or upgrading your new Quicken personal finance software, free phone support is available. For more information, visit our Help & Support site.

Easily Import From Microsoft Money

If you've been using Microsoft Money personal finance software, we can help you transfer your valuable financial information to Quicken. With our easy-to-use Data Converter tool, you'll be up-and-running with Quicken in practically no time.

What's New in Quicken 2011

Improved--See Exactly Where Your Money's Going With Auto Categorization!

Automatically categorizes more of your expenses with greater accuracy so you don't have to manually enter or edit them.

New--Stay on Top of Your Day to Day Finances

Get a better picture of what you have coming in, going out, and most importantly, what's left over to spend or save with our completely redesigned cash flow graph. See how much money you have left after upcoming bills and income.

Improved--Find the Tools You Need, Faster

The most commonly used features have moved front and center, making them easy to find.

Improved--Quicken Updates Faster Than Ever

When it comes to your money, time is precious: Quicken updates your transactions using a speedier account download process.

Improved--Customize Your Register to Fit Your Needs

The new Quicken layout lets you see your information exactly how you'd like: easily resize, sort and hide columns.

Price: $59.95

Causes and Effects of Deficit Financing

As we know, the major sources of public revenue are taxes, fees, prices, special assessments, rates, gifts etc., etc. If during a given period of time, the government expenditure exceeds government revenue and the deficit is met by borrowing, it is called deficit financing or income creating finance. In order to have a significant expansion effects therefore, a program of public investment should be financed by borrowing rather than by taxation. This kind of borrowing or loan expenditure is popularly called deficit financing.

Deficit financing is said to have been practiced if state adopts any one or all the methods mentioned below:

(a) The government draws upon the cash balances of the past.

(b) The government borrows from the central bank against government securities.

(d) The government borrows externally.

Deficit financing was considered to be a very dangerous weapon by the classical economists. The modern economists are, however, leaning towards it and recommend it to be used for accelerating economic development and achieving high level employment in the country.

The problem to be solved here is:

(i) Whether income creating finance should be adopted for increasing total effective demand.

(ii) If deficit financing is desirable for ensuring high level of employment, then to what extent should it be carried out.

(iii) What are its good and bad effects?

Deficit financing is being practiced by advanced as well as underdeveloped countries. The advanced countries use it as an instrument of increasing effective demand whereas the underdeveloped countries employ it for increasing the rate of capital formation.

The scope of deficit financing for accelerating economic growth in backward economy is very bright as they are caught in a vicious circle of underdevelopment. They use funds for investment when the resources of the country are not adequate to initiate the processes of take off. So arises the need for deficit financing.

The underdeveloped countries are confronted with the following problems:

(i) The rate of growth of population is faster than the rate of economic development.

(ii) The state revenue received through taxes, fees, etc., is not sufficient to provide full employment to the labor force.

(iii) The per capita income is extremely low and so is the capacity to save.

(iv) Foreign loans for development purposes are not without strings and are also not available in desired quantity.

(v) There is a dearth of stock of capital in the country.

(vi) People lack initiative and entrepreneurial ability.

(vii) People are mostly extravagant and there is less voluntary savings.

(viii) A greater portion of the population lives in villages and are contended with their lot.

(ix) The government cannot incur the displeasure of the people by enhancing the tax rates beyond a certain limit. It cannot also impose additional taxes for the same reason.

(x) Thus there is too much evasion of taxes.

Under the conditions stated above, the reader can easily visualize the state of affairs with which a government of the backward country is confronted. Still no government would like to be a silent spectator and would desire that the standard of living of the people should go up in the shortest possible period of time. It will try to find money from the blue if necessary for spreading economic development of the country. Here deficit financing comes to its rescue. The state uses this instrument for lifting the economy out of depression and for accelerating economic development in the country. If, however, the state can increase the volume of resources by increasing the tax rates, imposing additional taxes or mobilizing enlarged saving, then it is not desirous to adopt deficit financing as it is a very delicate instrument.

Arfan Ul Haq is an Asian author. He writes articles about various topics of accounting and economics such as debt equity ratio and public finance versus private finance.

Facts About Invoice Factoring

I hope the following questions and answers will provide you with an understanding of invoice factoring, what it is, how it works, and how your company can begin this funding process to enhance your working capital and cash flow.

1. What is Factoring?

Factoring is the purchase of valid Commercial Accounts Receivable [AR] for cash.

2. I thought factoring was used only by companies in trouble?

Factoring gives your business the power to grow, without giving away equity or taking on debt. Contrary to what you may have heard, factoring is NOT a tool used only by struggling companies. Financially smart companies use factoring as a powerful tool to release capital tied up in AR.

3. How is factoring different from a loan, say from a bank? Do I have to sign a Personal Guarantee?

Factoring is not a loan; it is the process of purchasing valid Commercial AR [invoices] from your business at a small discount. Unlike most banks and other factors, there is NO personal guarantee required with our professional funding services.

4. Does my business qualify for factoring?

Almost every business can qualify. Our guidelines are very simple: if you have AR, due to a sale in a business to business transaction, you may qualify. Any size invoice can be funded, provided the service you offer, or the product you sell has been completed and delivered.

5. How will my customers know where to send payment for invoices that I have chosen to factor?

Your customer will be notified to pay us directly. When invoices are factored they will be stamped with the address to send payment to prior to being mailed to your customer. Your company should never deposit invoice checks that were already purchased by a factor.

6. Will my company be eligible for accounts receivable funding if it has a bank loan or line of credit?

If a bank has a lien on your company's accounts receivable, you should let us know right away. We will ask the bank to subordinate that lien. Some banks will accommodate the request and others may decline depending on your circumstances. Our number one referrals come from loan officers willing to help out the client in cash flow needs. They are very familiar with this kind of interim financing. The other alternative is to pay off the loan if there are plenty of receivables to leverage the buy out.

7. How can I be certain that your company will treat my customers well?

The last thing we want is for you to lose a customer. We are not a collection agency. We will never harass your customers for money. Maintaining your customers' goodwill and confidence are of utmost importance to us!

Please contact us in confidence today to see how we can assist you with factoring services. Visit http://www.businesscash.com or call (561) 882-1331.

Chris is the CEO and founders of Bankers Advocate, a Boutique Sales, Mergers and Acquisitions firm serving companies with enterprise values up to $30 million dollars. He is a board member of the Association for Corporate Growth (ACG) and of the Angel Investment Forum, and was the founding President of the Turnaround Management Association's (TMA) Florida Chapter. Visit http://www.bankersadvocate.com/ or call 516-882-1331.

Businesscash.com was formed to utilize our business, legal and financial backgrounds. We are made up of partners and associates who have among other things, owned manufacturing businesses, Mergers and Acquisitions firms, practiced law and served as the finance manager of a large luxury automobile dealership. We have all dealt with extreme cash flow issues, rising expenses and shrinking profit margins.

Baby Boomers and the Great Social Security Challenge

The Old Age, Survivors and Disability Insurance (OASDI) Program, commonly known as Social Security, was originally enacted into law in 1933 under US President Franklin D. Roosevelt. OASDI was a major legislative victory for the New Deal. The name implies the program was established as an "insurance" program; i.e., an actuarially sound investment system that allowed workers to contribute in the form of payroll taxes, build a nest egg with compounding interest, and receive benefits upon reaching retirement age. The facts, however, are very different.

American workers began paying taxes into Social Security via the Federal Insurance Contributions Act (FICA) as soon as the law was passed, but no benefits were paid for several years. Employers are required to match the employee contribution. Those who are self-employed effectively pay double. The initial beneficiaries (aged 62 and above) had paid almost nothing into the system. In 1933, there were roughly 17 workers for each retiree, and the life expectancy for men was 65 years. Today, there are only 3 or 4 workers for each retiree, and the life expectancy for men is almost 80 (even older for women). The full retirement age has been raised slightly to 66 for those approaching it currently and to 67 for younger citizens. So the original program envisioned paying benefits for an average of 3 years, but the current expectation is that benefits will be paid for 13-14 years!

The percentage of the FICA tax, as well as the maximum wage on which it must be paid, has risen steadily since the original 1933 law. Congress has tinkered with Social Security many times, always claiming they had "fixed" it so that it would not go bankrupt. FICA taxes are collected in the Federal Old Age and Survivors Insurance Trust Fund, commonly known as the Social Security Trust Fund. However, in recent years, we have learned that Congress has been "borrowing" from the Trust Fund to pay other federal expenses, so the reality is there is no "Trust Fund". Social Security is just one more unfunded government entitlement program. In FY2010, outlays for Social Security exceeded all other expenditures, even those of the Department of Defense. The total was $695 billion, or 19.5% of total federal spending. The DoD came in second at a mere $453 billion, all while pursuing two wars in Iraq and Afghanistan.

But is Social Security fiscally viable in the long run? Here's what the non-partisan Congressional Budget Office (CBO) has to say. They projected outlays versus tax revenues under a number of economic projections for the next 60 years. A CBO graph posted on the SSA website shows Social Security outlays will exceed tax revenues beginning about 2015 and continue to do so thereafter. The outlays will reach roughly 6% of the entire US Gross Domestic Product (GDP) by 2030. Other projections show an almost exponential rise in benefits paid, with no end in sight.

What will the US government do about this growing problem? For roughly 30 years, Congress has merely applied "band-aid" solutions to Social Security. In the popular vernacular, they have continued to "kick the can down the road", pushing the problem off to future Congresses. But now we have "run out of road." Former President George W. Bush wanted to slowly "privatize" Social Security by turning it into a government-run 401-K plan for younger workers. He quickly learned how "radioactive" this issue is. Special interest groups went after Bush. Whether he was right or wrong to propose that solution, the message was clear. Either national party that dares to address Social Security will pay a heavy political price. In the USA, this program is a true sacred cow.

What could we do? I offer some suggestions. First of all, it's time to admit that Social Security is and should be a "welfare" program for low-income seniors. (Roosevelt wanted to avoid that label, but the time has come to admit the truth.) All recipients of Social Security should be "means tested" - if your Adjusted Gross Income (AGI) is above a to-be-determined number, you don't qualify. The maximum current Social Security payments are about $2,000 per month or $24,000 per year. If your AGI is more than, say $150,000, you probably don't really need it. Second, structural changes in the program are badly needed. The retirement age should be raised commensurate with the current life expectancy. On the revenue side, the FICA rate or the maximum FICA income could be further increased, although that won't be popular, especially if many of those who pay more can expect to be ruled ineligible to receive benefits when they retire. We could put a cap on the Social Security COLA (Cost of Living Adjustment) that increases with inflation. Finally, we could (but almost certainly won't) admit that Social Security is simply fiscally unsustainable and phase the entire program out.

How will any of these changes affect the Baby Boomer generation? Almost certainly, there will be fewer dollars (or devalued dollars) to count on for their retirement years. This will be the case no matter what (if anything) the government does. Second, younger Boomers can expect to pay even higher taxes during their working years, reducing their ability to invest and save for retirement. They can expect to work longer. There will almost certainly be major political anger over the broken promises of the US government to its own citizens. We've seen indications of how this might play out in Greece, Italy, Spain, and the UK. Those who have paid taxes into this system their entire lives will be understandably angry if they are told they will get nothing out, and political leaders will pay the price. The children and grandchildren of Boomers will also pay a price: higher taxes, less (or no) benefits.

What should Boomers do? Regardless of your political persuasion, you should insist that the Congress address this issue now. The time for "kicking the can down the road" has passed. Second, Boomers should begin to find financial alternatives if this retirement benefit disappears or is greatly reduced. These alternatives include re-assessing investment strategies (in the words of Robert Kiyosaki, become "financially educated") as well as considering new business ventures to generate income after working years are over. Third, Boomers can adjust their retirement expectations: work longer and plan to live on less.

We recommend that Boomers take matters into their own hands. In our view, choose empowerment over "entitlement." They should pursue more financial and investment knowledge and alternative income sources. They should not assume that government or company pension plans are guaranteed or that government will "solve" the Social Security problem. Boomers must find their own solutions.

"Dr. Dick" Pritchard, an "early Boomer", is a successful high income professional and Internet marketer. He works with Boomers like himself to create wealth and diversify income sources.

You can learn more by visiting Dr. Dick's website at http://drdickpritchard.com/

Mortgage rates for the past 52 weeks, at a glance (AP)

WASHINGTON – The average rate on 30-year fixed mortgages rose slightly to 4.50 percent this week, Freddie Mac said Thursday. Here's a historical look at rates for fixed and adjustable mortgages for the past 52 weeks:Current week's average rate Previous week's average rate 52-week high 52-week low30-year fixed 4.50 4.49 5.05 4.1715-year fixed 3.67 3.68 4.29 3.575-year adjustable 3.27 3.28 3.89 3.251-year adjustable 2.97 2.95 3.82 2.95

2011/06/22

Finance Stress

Created by World Renowned Hypnotherapist Steve G. Jones, Finance Stress is Designed to Help You Overcome Your Financial Stress by Systematically Changing the Way You Relate to Money.

New Ebook! 7 Alternatives to Sb Financing. Get 50% on Sales/Upsells!

Affiliates rejoice! Finally.. a real guide to Small Business Financing that works! We've came up w/ 7 proven ways to get Any loan amount and avoid the banks. Earn over $100 per sale with recurring upsells!

Brain Rules: 12 Principles for Surviving and Thriving at Work, Home, and School

In Brain Rules, Dr. John Medina, a molecular biologist, shares his lifelong interest in how the brain sciences might influence the way we teach our children and the way we work. In each chapter, he describes a brain rule—what scientists know for sure about how our brains work—and then offers transformative ideas for our daily lives.

Medinaa€?s fascinating stories and infectious sense of humor breathe life into brain science. Youa€?ll learn why Michael Jordan was no good at baseball. Youa€?ll peer over a surgeona€?s shoulder as he proves that most of us have a Jennifer Aniston neuron. Youa€?ll meet a boy who has an amazing memory for music but cana€?t tie his own shoes.

You will discover how:

A?A?A? * Every brain is wired differently
A?A?A? * Exercise improves cognition
A?A?A? * We are designed to never stop learning and exploring
A?A?A? * Memories are volatile
A?A?A? * Sleep is powerfully linked with the ability to learn
A?A?A? * Vision trumps all of the other senses
A?A?A? * Stress changes the way we learn

In the end, youa€?ll understand how your brain really works—and how to get the most out of it.

Price: $15.00

The Debt Free Miracle

Fix Your Finances Now - Break Free From the Bondage of Debt. A Step by Step System to Free Yourself From Debt!

The Top Ten Richest Women in the World

If you have ever wondered who is on top of the list for the World's Top ten Richest Women then take a look at this compilation. Some of the entries may surprise you though. While most of the women on this list inherited their fortunes as opposed to building them, credit must be given to them for maintaining and expanding their riches. The list contains the name, net worth, the company which they own or work for, followed by the country they live in.

10. Anne Cox Chambers - Net Worth (In Billions) $10.0 Cox cable = US. Anne Cox Chambers is the primary owner of Cox Enterprises which is a privately held media empire. The vast empire includes Newspapers, television, cable television, radio and other businesses as well. She is 90 years old.

9. Jacqueline Mars - (In Billions) $11.0 Mars candy, US =Jacqueline Mars is the daughter of Forrest Edward Mars, the founder of the candy conglomerate Mars. She inherited the company in 1999 and is 70 years old.

8. Iris Fontobona & Family - (In Billions) $11.0 - Chile Copper - Iris Fontobona inherited her fortune from her Chilean billionaire husband Andronico luksic. Luksic was the richest person in Chile, ranked 132nd in the world and fourth in all of Latin America. Her age is unknown as there is very little information about her on the Web.

7. Susanne Klatten - Net Worth (In Billions) $11.1 - Germany o Altana Pharma AG - Ranked the 35th richest person in the world, Susanne Klatten is also the richest woman in Germany. After her father's death, she inherited a 50.1 % stake in the Altana company. She was also left a 12.5 % stake in BMW. She is 49.

6. Abigail Johnson - (In Billions) $11.5 Fidelity U.S. Abigail Johnson joined Fidelity, a company founded by her father when she was just 25 years old. She ranks in 48th place on the world's richest person's list. She is believed to be her father's chosen successor for the Fidelity Company. Abigail is 68 years old.

5.Savitri Jindal - Net Worth (In Billions) $12.2 - Steel & Power - India = Savitri Jindal is not only the richest woman in India, she also ranks 44th on the World's richest person lists. After the death of her husband in 2005 due to a helicopter crash, Jindal inherited the company and its billions. She is 60

4. Birgit Rausing - Net Worth (In Billions) $13.0 - Tetra Pak - Sweden - -Bridgit Rausing inherited her fortune back in 2000 after her husband died. She is 86

3. Liliane Bettencourt - (In Billions) $20 - L'Oreal - France - Liliane is the wealthiest woman in Europe which is not an easy feat. She inherited her fortune back in 1957 from her father Eugene Schuellerm, the founder of L'Oreal. She is 88 years old. In 2009 her daughter had to ask the French court to supervise her mother's wealth after she had given away about one Billion Euro as well as other gifts to different people.

2. Alice Walton -Net Worth (In Billions) $20.6 - Wal-Mart. - US - The Daughter of Sam Walton also inherited her fortune. She is 60 ears old

1. Christy Walton - Net Worth (In Billions) $22.5 - Walt-Mart - US - The Wife of John T. Walton inherited her fortune after the death of her husband back in 2005. John was one of the sons of Sam Walton, the Founder of Wal-Mart stores back in 1962. 50 years old.

Hudson City Looks Like a Solid Buy Right Now (The Motley Fool)

Hudson City Bancorp (Nasdaq: HCBK - News) has proved its resilience and looks poised for growth in the long run. This regional bank refused to throw in the towel when the financial catastrophe compelled so many U.S banks to go for a bailout. That's perhaps the first reason why I'm attracted to it.

I have already explained that the investors shouldn't fret over the company's net loss and the slashing of its dividend in its latest quarter, since both stemmed from short-term restructuring charges. Now I am going to evaluate this stock's return-generating capacity in context with its price.

Evaluating profitability
Return on equity is a crucial metric that evaluates how effectively a company is utilizing its capital. In Hudson's case, ROE (five-year average) stands at 5.88%.

That figure has been hovering around 10% for the last two years, but it took a hit in the last quarter as net income was affected by overhaul charges. Marshall & Ilsley's (NYSE: MI - News) and Flagstar Bancorp's (NYSE: FBC - News) five-year ROEs are both decidedly negative. Thus, on an absolute basis, Hudson looks merely OK -- but on a relative basis, it looks pretty attractive.

Stability
After posting profits for 11 consecutive years, the bank's previous quarterly loss ended that trend. Looking beyond these one-time restructuring charges, Hudson's fundamentals look pretty upbeat. Hudson's tier 1 capital ratio improved to 8.12% in the last quarter, as compared to 7.95% in the preceding quarter. But with a tier 1 capital ratio of 11%, Marshall looks to be in a slightly better position than Hudson. That said, Marshall's narrowing revenue and widening net loss are a bit of a concern. All in all, Hudson operates fairly consistently and conservatively.

Yield
Even after a dividend cut, Hudson offers a decent current yield of 3.9%. I have elaborated on Hudson's unwavering trend of paying dividends, even during the ugly crisis. If it's income you're after, then you might want to check out Hudson.

The Foolish bottom line
Looking at its strong fundamentals and considering the fact that it is trading near its 52-week low, Hudson looks like a pretty good buy to me. This bank has been bucking up, and it could ideally suit patient investors who focus more on a company's ability to grow and generate profits.

Fool contributor Zeeshan Siddique does not own any of the stocks mentioned in the article. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.

2011/06/21

JPMorgan shuffles top retail bank executives (Reuters)

NEW YORK (Reuters) -- JPMorgan Chase & Co shuffled several retail banking executives, signaling Chief Executive Jamie Dimon's determination to rebuild the bank's profits and elevate in-house talent to high-profile roles.

In a statement released on Tuesday, the bank said retail banking chief Charlie Scharf was moving to the company's private equity arm and that other senior executives were taking on additional responsibilities in his former division.

Todd Maclin, 55, chief executive of JPMorgan's commercial bank, will continue in that position and also have responsibilities for the company's branch network, consumer franchise, small-business banking and private banking business, according to the statement.

Gordon Smith, 52, CEO of card services, will take on responsibility for the company's auto finance and student lending business, on top of his current role.

Dimon, 55, talking to Reuters in an interview after the announcement, said the changes should contribute to his push to raise the bank's profits. "This should help us," he said.

"Sometimes it is good to have a fresh pair of eyes looking at things," Dimon added.

Dimon said Scharf, 46, had told him a year ago that he wanted to do something different at the bank. "It was his decision to go, and when that happens I have to figure out who is going to do his job. It takes a while to get all of the ducks in a row."

The businesses that Scharf was responsible for will now be overseen by Maclin, Smith, and Frank Bisignano, Dimon's chief administrative officer whom he assigned in February to fix the retail bank's mortgage business.

In a memo to staff, Dimon said Scharf "will continue to work with our consumer team to help transition the business and assist in any way possible."

The shifts come as JPMorgan tries to strengthen its retail banking arm, which is being hurt by low demand for loans and hit by growing regulatory demands that will squeeze profits.

The retail financial services segment fell the furthest short of its profit goals of any JPM segment in 2010, with a return on equity of 9 percent compared with a target of 30 percent, according to a report by analyst Christopher Mutascio of brokerage Stifel Nicolaus.

The bank also said its investment banking head, Jes Staley, will assume oversight of its business outside of the United States, taking over from Heidi Miller, 58, who will retire early next year.

Dimon said the moves were not an explicit part of the company's preparations for his eventual successor, but he added: "It is always good to cross-train people."

MORTGAGE CHIEF PUSHED OUT

The bank said in a separate memo to staff on Tuesday that its chief of home lending, David Lowman, would be leaving. He had been pushed aside in February after the bank racked up billions of dollars in losses on mortgages and became mired in litigation over foreclosures.

"Dave Lowman and I have decided he will leave the firm," Bisignano said in the memo.

Lowman joined JPMorgan from Citigroup in 2006. During his tenure at JPMorgan, the bank picked up bad mortgage assets through its acquisitions of investment bank Bear Stearns & Co and retail bank Washington Mutual.

Under Lowman, the home lending unit was so disorganized that the bank seized homes of at least 33 U.S. military servicemen on active duty, violating federal law and prompting Dimon to apologize at the company's annual shareholder meeting. The bank has said it is forgiving those loans.

Lowman could not immediately be reached for comment on Tuesday.

Lowman appeared before congressional committees last year where he was chastised for his division's refusal to cooperate with borrowers and modify mortgages. Lowman said in a June 2010 hearing that the bank was understaffed but was adding employees to work on problem mortgages. In a hearing in November, Lowman acknowledged mistakes in foreclosure paperwork and said the bank was cleaning up errors.

JPMorgan and other large banks are in negotiations with the Department of Justice and state attorneys general to settle probes into mistakes in foreclosures.

The bank recorded $1.1 billion in litigation expenses in the first quarter, primarily because of mortgage-related claims. It also marked down the value of its mortgage-servicing contracts by $1.1 billion because of increased costs and booked $1.1 billion of expenses for losses on its residential real estate portfolio.

(Editing by Maureen Bavdek, Matthew Lewis and Steve Orlofsky)

First Person: How I Bought My Car with Cash (ContributorNetwork)

*Note: This was written by a Yahoo! contributor. Do you have a personal finance story that you'd like to share? Sign up with the Yahoo! Contributor Network to start publishing your own finance articles.

As an Account Services Manager at a bank, I have seen many people struggle to keep up with a simple bank statement. It amazed me how many people spent more than they earned, with large payments dominating their spending and making their debt-to-income ratio look terrible. Yet, it was a common tale. The environment made me keenly aware of my own finances.

While I did not have large debt, I did have large payments and some credit card debt. Housing and auto payments were the two largest of my monthly financial obligations. I managed to keep my head above water, but I sometimes felt a little burdened by the looming credit card debt. Fearful of becoming my own worst complaint at work, I went to work on a plan.

Decrease Living Expense

I found an apartment only three miles from work that was 25% cheaper than the place I was currently renting, so I moved the following month. I wanted to keep my bigger, trendier place, but wanted financial freedom more. In addition to the savings in rent, my smaller place allowed for smaller utilities as well as a decrease in fuel expense. I vowed to place every cent of the savings toward credit card debt.

Cut Petty Spending

I still had dinner with friends and bought new shoes every once in a while, but I was on a mission to be free. So I declined one third of the invites or offset the expense with an item I sold on Craigslist. I cut out coffee drinks, started packing my lunches and waited for movies to go to DVD. Before long, I had paid off my credit card debt and opened a "New Car" savings account. I even found myself eating healthier and exercising! It almost felt as though my financial situation had affected me physically.

Pay Your "Savings" Bill

I began to pay additional principal on my car note each month. I started with $50 extra dollars per month, but anytime I was able to do so I paid even more. In addition, I paid my savings account the money I was saving from my move, things I sold, overtime pay, bonuses, and gift cash. Before long, I was able to smile when I saw the balance in my account. I also paid off my car a year early, but continued to make my car payment to my savings account. Now my savings account was growing rapidly, my apartment was less cluttered, and I was happier and more physically fit than I had ever been.

Give

I once heard financial expert Suze Orman discuss giving. She said that when you open your hand to give, it is already open to receive. My convictions for giving had nothing to do with receiving in that sense, but there must be something to this principle. I didn't keep track, but I would approximate that 20% of my income went to charitable contributions.

Make Goals

I originally made a goal to get out of debt, buy a more reliable car with cash, and to discontinue the use of credit cards. You've heard the saying, "A cluttered desk is a cluttered mind." My life and my finances had become more cluttered than I had realized. I worked for almost two years to get there, but I obtained my goals and so much more. By the way, even though I do not have a car note, I still make that savings payment every month. My new goals include a solid retirement fund, a wedding and a trip to Hawaii... to name a few.

Cash Flow Vs Profit

Too many small business owners spend money because they have a positive bank balance or because they think they have a positive bank balance. This can be a very dangerous practice to the health of their business.

When a business makes a big sale or gets a large upfront deposit on a new order the owner of the business may begin to spend the money to pay various bills, take the spouse out to an expensive restaurant or even buy a new boat. The owner first needs to know how much "free" cash he/she really has available to spend, before it is spent. If you are a contractor of some kind, you may need that money to buy materials for that specific job or to make payroll on that job. Just because cash is there does not mean it can be spent without a plan.

Every business needs to have some kind of "cash needs" analysis to know what is due, when it is due and how much is due. An employee may see a large check come in and think, "well, the owner has a lot of money, I am going to ask for a raise". The employee may not realize that the job is only a break even job and all of the available funds will go to pay labor, materials and overhead on the job. There will be no profit on this certain job. Many do not realize that things like insurance, rent, utilities, etc. need to be paid every month.

Several years ago there was a contractor who received a large deposit on a job. Because he had so much money in his bank account he made a few purchasing decisions that cost him his business. He spent some of the job deposit on, yes you guessed it, a new boat. But it was only a down payment. He later lost the boat to repossession, the job was never completed and he later lost his whole business.

All business owners need to find a workable system that will help them know what to pay, when it is due and how much is due, so they will have an accurate accountability for their cash. As a wise person once said, "cash is king". That is still a truism today. Be very careful with your "free" cash. It may mean the difference between survival and the alternative. Good luck with your business!

Randal Roberts has over 30 years of commercial and international banking experience. He has helped more than 2,500 different companies with their businesses. He is willing to help you find the resources you need to start your own business or improve the one that you already have. Visit http://www.accelfs.com/ for more information.

KYC Compliance Mandate - What Are the Required Documents?

KYC compliance is a mandate that the world demands from financial institutions worldwide. KYC compliance is a mainly presented on the risk mitigation platform.

Though KYC had been introduced to many countries' financial institutions, it was taken more as best practise and not mandated. It was only after the 9/11 terrorist attacks on the twin towers in the America that it became a mandate for many countries. There were increased terrorist attacks and activities with the dawn of the new millennium. With Globalisation and improved communication in the world, the ills of society were unmasked. Corporate scandals which had reached new heights were also exposed. It was clear the role played by dirty money or laundered money was very influential in local and cross border crime and terrorism. The need to discourage and attempts to cut down these exploitations of the worldwide financial services and systems became most urgent.

KYC compliance did not originate with the coming into law of the USA Patriot Act which by President George W Bush signed in October 2001. Many financial services worldwide were already having some form of know your customer compliance mandates in place. The need for due diligence and customer identifications checks were in place to mitigate operational risks and frauds while ensuring acceptable and consistent levels of service provision. The USA Patriot Act was more an affirmation and extension of what was already in existence. The anti-terror law developed to create the Anti-Money Laundering (AML) Act which is compulsory for all service providers and financial institutions.

Regulators in different countries hold financial institutions or service providers accountable to make sure that prospective account holders are identified and KYC compliance done. escalation to the regulators are a must for accounts that are suspicious so that thorough and in depth KYC compliance is done. All KYC compliance documentation are stored as evidence that due diligence was carried out.

Financial institutions should adopt highly structured risk intelligence reporting systems to meet their regulatory requirements and KYC compliance. The choice of the system depends on the financial institution. The documents required from applicants are:

Identification documents,banking history or statements from your bank or your guarantor,letter of introduction,evidence of income andevidence of residence.

Financial institutions should also make sure to call back on the telephone number that is indicated by the customer. This is a quick way to confirm the telephone number works and belongs to the applicant. All the other KYC compliance documentation must still be verified against original copies.

My Name is Esther Mbugua and I write on Finance and Banking issues. I have worked in the Financial and Banking sector in developing countries for over twenty years and have an interest in risk and Fraud, also on how banks work and make their Money.

Business Finance Article: Successful Businessmen Characteristics

It takes a certain kind of man or woman to become successful in business finance. While many people will try to run a successful business, not everyone can do so. If you are thinking of starting your own business, then this business finance article may come in handy. Today, we are going to tackle certain character traits that are more suited to the business finance world. Perhaps you would like to check if you also have what it takes to be successful in this field.

1. A great businessman never takes his personal and family considerations lightly- These days, especially in the country, more and more people have started to open their own small businesses. And because they have become so common, small businesses are getting a bigger and bigger niche and target market. Small businesses are usually successful because they provide a lot of flexibility to the owner. The owner can structure the business in such a manner that he has time to care for children or his elderly parents. Because profit is not the only goal of the business, the owners are somewhat more fulfilled, making the business' chances of success more.

2. A great businessman possesses great initiative- rather than wait for another person to come up with the next best thing, a great businessman will attempt to come up with it himself. He attempts to start trends, and is always researching for the next big boom. He is never the last to know about something, or the last to act on the matter either. Rather, it is the opposite, with him being always on the forefront.

3. A great businessman is able to react quickly to change- in business; curveballs are part of the world. A great businessman has the ability to think on his toes. He always has to have a Plan B, C and D in place in case Plan A will not work. Emergency plans must be part of every good businessman's tricks. This ability isn't only applicable to dire situations. When suddenly faced with an unexpected opportunity, a great businessman knows how to grab it and use it to his best advantage.

If you possess all of these traits, then you have the makings of a great businessman. If you don't believe us, take a look at successful businesses that you know. Running them is usually a man or a woman with these very qualities that we discussed!

Business finance is a tricky world to navigate. Get professional guidance from Enable finance and make sound business finance decisions.

The Hidden Costs of Sending Money Internationally

There are certain fees associated with money transfers that you should know before sending your money overseas. These fees can be broken down into three different components: The cost of sending money, the cost of exchanging money, and the cost of receiving money.

1. The Cost of Sending Money

The cost of sending money is dependent on the method in which you decide to send your money. Using a reloadable debit card is the most affordable option for sending small amounts. This system involves using an online service to send a debit card to any location in the world. Once the recipient gets the card they can go to any ATM machine to withdraw the funds. The price for this action is 5 USD for every 1000 USD sent.

Sending funds internationally from one bank to another is another method to make a money transfer. The price of using this service is dependent on the bank which you choose to make the transfer with. Bank of America charges a flat rate of 45 USD per international transfer, while CitiBank charges 30 USD for every international transfer (this rate applies for any amount of money up to 50,000 USD). Wells Fargo charges different rates depending on the country you choose to send your money to. For example, a 1000 USD wire transfer to China costs the sender 12 USD, transferring the same amount to El Salvador costs 8 USD.

2. Exchange Rates

The exchange rate, or rate that one currency will be traded for another, is very important to consider when transferring funds. These rates are continuously changing and can thus affect the amount of money which is received outside of the United States. For example, when sending money to China, one needs to consider how many Yuan (CNY) you can trade for each USD. If the exchange rate of USD/CNY is 1/6, then sending 1000 USD to someone will be like sending 6000 CNY. However, if the exchange rate changes to 1USD/7CNY, then the same 1000 USD you send will afford your recipient 7000 CNY.

3. Cost to Recipient for Accessing Sent Funds

Once the money arrives in a foreign country there are some fees that the recipient will have to pay. As noted in the "cost of sending money", these fees will vary depending on the method in which you send your money. When using a reloadable debit card the recipient will have to pay an ATM fee every time they withdraw funds. These fees range from 3-6 USD per withdrawal.

Receiving funds from a bank transfer requires exchanging the money to the local currency. Banks and exchange shops will charge a commission fee for this action which is based on supply and demand. This means that you will receive less than the rate that is being quoted in the global foreign exchange market. Alternatively, if you choose to send money by check, the recipient of the funds will have to pay an international deposit fee. This fee varies from bank to bank, and can range from 25 to 50 USD.

Knowing the cost of sending your money, the current exchange rate, and the cost of receiving money will give you a more accurate picture of what happens to the funds you send overseas.

Oded Porat is a writer who strives to inform people of the safest, easiest and most affordable ways to conduct business online. To learn more about how you can make a money transfer visit the ATMCASH website.

2011/06/20

Personal Finance Strategies for Newlyweds

You had your dream wedding and you have become a couple with dual incomes and mutual responsibilities. Financial strategy is not the most romantic top that you can discuss as a newlywed but it's definitely a top priority. You both want to enjoy your lives together and plan for that comfortable retirement.

Unfortunately many newlyweds set themselves up for failure. Financial hardship is a leading cause of divorce so to increase the harmony in your lives by talking about financial choices. Plan to merge your financial lives and stop any bad money habits before you bring them in the marriage.

Figure out where you both stand financially. Review all your debt obligations together. Sit down and plan out a way that you together can pay off the debt. It would be ideal to eliminate all debt prior to getting married not to burden your spouse with your debt. If this is not possible then you both must work hard at making your marriage and your family life debt free.

Have a budget. You are now merging two spending and saving habits into one. If you had a budget while you were single, it's time to draw up a new one as a couple. You should first write down your fixed expenses like mortgage/rent, car payments, insurance premiums etc. Then write down your flexible expenses such as groceries, phone bills and utility. If your budget permits, try to contribute to a savings account as if it was a fixed expense. Track your spending for a while and then work together to identify and fix any common bad spending habits.

Optimizing Insurance. Now that you're a couple, you need to change your insurance coverage. You should examine the different insurance plans and premiums and decide where the combination should occur. Get an umbrella package which will enable you to save while having all insurance under one package.

Some of the most common sources of arguments in marriage is money, so failing to discuss your financial backgrounds could be disastrous. Communication is key to survival in any relationship. With your budget in place and your plan for your future, you're both ready for a successful and financially responsible marriage. Your stress levels will be reduced and your foundation will be strong. All this planning will ensure that money does not come between you and your spouse.

Be responsible and enjoy your life as one.

For more valuable information visit http://www.prudentcreditrepair.ca/

Prudent Financial Services is the leader in loans to people with bad credit histories since 1984.
http://www.prudentcreditrepair.ca/
(416) 634-2015

Financial Property Management

Finding a company that can provide you with professional property management services can be somewhat of a challenge these days. Everyone promises to lead you with the utmost professionalism and then falls short of their promises. You need a reliable company to deal with your property management, one that's been in the business for several years and has a solid dependable reputation. Choosing a company to handle such a big investment and responsibility may not be easy so take your time and be sure to choose one that has a lot of experience as well as discusses all of your needs fully.

So what exactly is financial property management? When it comes to this sort of thing you have several options. Most companies specialize in the management of homeowner associations, condominium owner associations, and commercial condominium owner associations. These are some of the situations where a management company is most needed to handle all affairs and complicated issues. Such issues may be contracting for maintenance and repairs, keeping records of legal documents, sending notices to homeowners, developing procedures and many more. In addition to these, a property management team may also, assist the board of directors in preparing a plan for a budget including annual operations budget as well as long-term ideas for wealth improvements. It will also collect homeowner's dues, evaluations, late fees, membership fees, pay association accounts and much, much more. All of these things listed are solely the responsibility of the management company you choose to handle your business so picking one with reliability, experience and respect will mean you can relax knowing everything is handled.

Now that you know a little more about what a company specialized in financial property management does you can begin your search for the right company to suit your needs. As an investor, you want your property to be handled with the utmost professionalism and should not settle for second rate management companies. Searching for a localized company that has been around is the best step to take. Most companies are rated and reviewed by professional companies and well as customers so taking time to read reviews may save you from wasting time. After you feel like you have found the right company, sit down and discuss all of your needs with them. Go point by point and they should respond with a multiple step plan to fully provide for all of your needs. When it comes to financial property management be sure to opt the best company to fit your wants an requirements.

Protecting Your Company From Fraud

While new technologies are making it easier than ever for unauthorized users to access account information, financial institutions are working hard to protect your company's corporate accounts. A 2010 ACI Worldwide Global Card Fraud Survey of 4,200 consumers reveals the following: while the percentage of consumers who have experience fraud has increased from 18% in 2009 to 29% in 2010, the percentage of consumers who were satisfied with their financial institution's response to fraud has similarly increased from 75% in 2009 to 79% in 2010.

Protecting your company from fraud is important. Your financial services provider plays a role in your account's safety, but you should understand how you can protect your company as well.

Your financial services provider

The first step in protecting your company is to make sure you are working with a financial services provider who has a strong risk management department. At most financial services companies, this kind of department will track spend patterns across all accounts and also across each company's accounts. Once patterns are recognized, these teams can tell when any transactions occur outside of normal patterns, signaling a suspicious or fraudulent transaction. A strong risk management team will have systems in place to ensure you are contacted immediately when suspicious activity has occurred on your account. The ACI Survey shows that 54% of consumers want to be contact by mobile means - either a phone call or SMS text - if there is suspicious activity on their accounts.

What else can you do?

1. Set limits on your cards and accounts. Several financial services providers have advanced platforms that allow you to set your own controls and limits on accounts. If you only want purchases to be made at certain times of the day, at certain retail locations, or below certain dollar amounts, these providers will work with you to establish these types of controls.

2. Educate your cardholders. Chances are, the more your employees know about their cards and the limits set on each, the more precaution they will take in safeguarding them. You may also want to consider educating your cardholders on the different kinds of card fraud to look for, including skimming, dumpster diving, and social engineering.

3. Monitor your accounts. Since you are the person most familiar with your company's spend, it is possible that you may notice suspicious activity on your accounts before your financial institution. Keeping a close eye on transactions and making a habit out of pulling reports can go a long way in protecting your company from fraud.

Comdata offers a comprehensive suite of Enhanced Authorization Controls to help you effectively mitigate card fraud. With a state-of-the-art technology platform to monitor card transactions, as well as options for additional restrictions and enhanced reporting, Comdata can customize an enhanced authorization controls program to meet your unique business needs.

Internet Banking and Investing

The first thing to remember, though, is always that internet banking investment accounts are not FDIC insured. You adopt a risk to put your money in such accounts. Yet, an opportunity for profit is indeed much greater that, for the majority people in a position to get it done, it's worth the gamble.

As a matter of fact, focusing on how much risk you are able to tolerate is important in knowing how to plan your online banking investing theme. You will need to determine how much of the holdings you may put in high-risk ventures like certain stocks. You likewise need to work out how much you would like to balance that with lower risk vehicles like bonds.

This balance is part of the online banking investment process. You can't invest your money in a single form of investment without creating a very unwise decision, in virtually every case.

You'll need diversity in your internet banking investment portfolio. This will allow you a chance to make some serious money, and at the same time, look after part of your assets in the case of a drop in store prices. You in addition need to reevaluate the percentages of low risk-high risk investments in your internet banking portfolio. They will naturally change over time and want correcting.

You can make use of an online banking checking account or invest your money in higher yield products. You will need to bear a few things in mind. When money compounds, you are making money without effort. This may come from savings or investment. Furthermore, you must find a means to beat inflation in both cases. Otherwise your cash will probably be worth less when you remove it than when you place it in.

International investments through internet banking are getting more important as world communication increases. The planet is growing into so connected that investing overseas is similar to investing in the US in a few cases. This will make online banking every one of the more important.

Many investment firms claim that you can't invest properly without seated personally with an investment professional. This may be a great alternative for many. Although, much profitable investment happens through online banking.

Moreover, just as you are investing through online banking, it doesn't imply that you simply won't have access to professionals. You will be able to head to people who will assist you with suggestions about your financial choices.

You are able to in the main read up on the credentials of these people in the "About Us" portion of the internet site. It is significant to recognize that brokers are people who handle different businesses to attempt to give you the best investments, through online banking in this case. Financial advisors can help you with all of areas of your money matters.

There are techniques to utilize online banking to do purchasing a selection of stocks and bonds. Celebrate the procedure simple and fairly quick. It will be a significant means for individuals to prepare money for hard times in long term.

Hire the best~the very best~the most effective New York Financial Advisors, check out~take a look at~have a look at our website.

Gigli, Schipa: Mad About Opera

*Genre: Foreign Video - Italian *Rating: NR *Release Date: 11-OCT-2005

Price: $18.98

Difference Between a Personal Audit and a Business Audit

The term "audit" lends itself to a variety of situations that may not be considered when first considered. Most people probably think of the standard IRS audit - the process by which an individual's tax return in put into question and their financial background is probed and prodded until their actual body displays soreness. But auditing extends much further than that. In its purest reform, it is nothing more than a review. When businesses refer to audits, this is typically what they are referring to. It is critical that a business audits its own records to ensure their accuracy for ensure that future decisions are made with the proper background information.

Unlike personal finances, where most individuals typically have a pretty good idea of where their bottom line stands without consulting their bank records, businesses are larger entities that contain a number of moving parts that often makes it difficult to determine where the bottom line stands at any given time and (more importantly) where it looks to be at a given point in the future. Having a strong knowledge of your financial standing (both on the macro and micro scales) allows managers to make a variety of important decisions quickly and more confidently than they would be if flying blind.

While the situation being described here would be called an internal audit, this is primarily because it is initiated by the organization looking to be audited. But, objectively, it is often best to have the audit performed by an external third party. Consulting firms can look at balance sheets with fresh eyes and may pick up on things that are just glanced over by internal accountants. They also are less likely to be affected by biases (not necessarily intentional) that are felt by internal accountants towards employees, managers, or projects that they have an affiliation to. Unfortunately, a third party firm is no guarantee of ethical and upright accounting, as proven by a certain big five accounting (who no longer exists) when investigating one of the biggest companies in the world headquartered down in Houston. In that situation, the consulting party had a conflict of interest based upon its ongoing business relationship with the company.

Another reason for a business audit includes keeping an eye on one's employees. The phrase "trust but verify" may be most appropriate for this situation. Truth be told, some of the most elaborate internal thefts that have occurred in the business world over the years could have been prevented by internal audits. This is more about making sure that controls are enforced rather than spying on employees. There is no expectation of privacy when it comes to the use of company funds.

It is important to understand that, unlike a personal audit, a business audit is a good thing. It is a necessary part of a company's checks and balances system. It is about knowing. It keeps management in the know for where they stand and where they are headed. If the information is properly compiled and used, it helps to ensure good future strategy and gives CEO's the ability to avoid bad decisions.

By Felix Chesterfield; To learn more about this topic or other subjects that would be benefited by internal auditing software, please follow the link to the site provided.

Look for Private Investor Angel Business Capital Near You

While starting up on a new business venture, the private investor Angel Business Capital can be the source and sustenance till profits get generated. There are lots of businesses that can generate profits in the short and long term, but to get started, you need seed capital. And not many investors are willing to stick their neck in by risking money like Angel investors. Small business persons willing to set up a financially rewarding venture are experiencing a never before opportunity.

Funds for start ups

There are several small businesses that you could look for setting up depending on your skill and aptitude and of course, you need to have good background knowledge about them as well. From candy shops, court transcription and contracting to retail wholesale and landscaping, opportunities for start ups exist in virtually every field.

You only need to have the right attitude and the confidence to plan well ahead and make the necessary projections for attracting investors. The greatest benefit of private investor Angel business capital is that you can get hands-on and upfront help and guidance from experts. People, who are on the job of risking venture capital, ran businesses earlier and have a thorough knowledge of the payouts and the profitability as well as the challenges faced at every step.

Private Investor Angel business capital is always there to help out if the entrepreneur has a real wining idea ticking. Your enterprise and business ideas have to show signs of real promise and should be interesting to the investors as well. The growth of small businesses with venture capital has been immense in the last few years and has also led to creation of new jobs. Recent data has also emerged regarding their huge profitability in recent times.

Comparative analysis and tips

Most businesses fail to see the light of day due to lack of finances and improper planning. Your best bet would be to do some real time research before you fill out the simple form for getting a survey done. You need to be well equipped before you plunge in and raise capital. Investors are there to help you with sound advice and tips. You can also benefit from a comparative analysis of similar businesses and how they are faring to enable you get a clearer vision of what you could be facing in the months ahead.

Expert advice on starting a company can be a great benefit for entrepreneurs motivated to attain the financial freedom they always longed for. Private Investor Angel Business capital is always there for the business idea and project with clear goals and realistic projections. And by the way, angel funds follow risky ventures that other lenders would fear to tread. The return on investments is the only criteria and you should be located near their offices to avail of private investor angel business capital.

Technical Analysis Software

Trading in stocks and shares is a highly thrilling and exciting process and one that can potentially yield huge rewards. Here you need to keep your finger at all times on the pulse of the business world and to know what is going to be the next big thing and what's going under before anyone else does. This takes an awful lot of savvy and the best way to achieve this skill is to simply read up on all the information available. The more you read the more you will begin to develop a feeling - a kind of general consensus - on what it is that everyone seems to be saying about a certain stock. Then you can make your purchase and the hope is that you can sell those same shares on at the exact right time and maximise your profit. Apart from the initial investment you don't need anything to get started in this - anyone can do it and there are huge profits to be made.

However for many just going on a gut feeling is not quite enough, and this is a highly risky technique that can easily fall prey to bias. You may find that you feel strongly towards a particular stock or have reservations about it - and you might truly believe that this is representative of what everyone else is feeling at the time - that this is a strong incentive to buy or to sell. However we are all unique creatures and all of us are nuanced and strange in our own ways - just because you take a liking to a stock that doesn't necessarily mean that you've picked up on a trend, it might just be that it reminds you of an activity you liked as a child. These kinds of subjective calls then are the very things that can land you in a lot of trouble - they are highly dangerous and if you make these calls then you can stand to lose huge amounts of money in a very short space of time.

Better then of course is to use software that can handle much of this for. Software is not biased, it does not have whims, and it does not have nuances. Here you will be looking at cold hard statistics that will calculate for you which stocks and shares have historically done well and which ones should continue to succeed as a result. Technical analysis looks at price and volume patterns - it looks at how a stock is being bought, and how it is being valued. This then essentially takes that general psychology that surrounds a stock - that kind of general consensus - and turns it into something statistical, predictable and far more reliable. This taps into an almost collective intelligence and uses algorithms to highlight the stocks that are expected to do well. This doesn't eliminate your own psychology from the equation, it simply helps guide it - and when you get that good feeling about a stock and your software is telling you it's a good bet - then there's a far better than average chance that now is the time to purchase.

Part of any good stock trading software there should usually be a technical analysis element included.

Texas Instruments BA II Plus Financial Calculator

The BA II PLUS, our most popular financial calculator for business professionals and students. With Time Value of Money, uneven cash flow analysis, and advanced statistics, the BA II PLUS is perfect for applications in finance, accounting, economics, investment, statistics, and more. See the list of features to see why the BA II PLUS provides a great return on your investment.

Price: $45.00

2011/06/19

The Pitfalls of Bridging Finance: Why You Shouldn't Always Trust the Headline Rate

The first question a prospective bridging borrower is concerned with is how much the monthly interest rate is. Yes, this is a significant consideration when evaluating the options available to the borrower but it fails to consider a number of aspects that can hike up the cost of bridging. In fact, in many cases it may be cheaper to have a higher rate of interest in order to benefit from fewer costs elsewhere. Avoiding certain pitfalls including exit fees, renewal fees, completion fees, can save unnecessary fees if you know where to look.

For most lenders of bridging finance, a key consideration to their lending policy is where the proposed security is located. Generally, the closer to London, or the South East, the cheaper the bridging will be. Most will not, for instance lend in Scotland allowing for those who do to charge all manner of exit fees, extra option fees, and any other contingent fees they deem suitable for the risk involved. This risk is reflected by a higher interest per month, which for typical bridging can reach over 1.5% per month.

What one needs to be wary about is simply making a decision based on this headline interest rate as these other fees can easily dwarf this. For instance, borrowing ￡600,000 on a house in London, for three months, at 65% loan to value would tempt a number of lenders. One lender would on the one hand lend at a headline interest rate of 0.75%. On the other hand, another lender would do 0.89%, so on the face one would choose the first lender. However, the first lender is charging an exit fee of 1.20%, whilst the second charges 0.50%; the per month interest overall works out at 1.15% against the second at 1.06% or an overall saving of ￡1,620. This may not seem a huge amount, but add another 9 months to the term and alter the percentages, and quickly it's a difference nearing 5 figures.

Another important consideration is renewal fees. The importance of this will weigh heavily on the confidence of the borrower to repay within the agreed initial term. Some lenders charge no fee, whilst others who have low headline rates will charge a one off fee, keeping the same interest rate, or a rate increase of 1%. Thus after failing to sell the house after 3 months the lender offering 0.89% may increase their rate to 1.89%, whilst the other may simply add a 1% renewal of the gross amount, which could mean the 0.75% lender is cheaper if you run over 3 months. This makes it important to be realistic about the term of the loan and not be over confident.

The exit fee is another fee to be wary of, and one fee that not all use and can make the overall cost of one lender more than another when considering headline rate and facility fee. Whilst these costs are most significant, others, such as valuation fees, survey fees and valuation fees are also areas where costs can be increased unnecessarily. The nature of bridging finance and the numerous lenders involved make sifting the best deals a complex task. There is also an amount of preferential treatment for brokers over the general public in terms of rates and allowable LTV as which can be not only save time and money through comparison but also provide better deals than you would get going directly to the lender.

Alternative Options For Finance If Refused Elsewhere

So, you have sent in applications for a conventional loan, only to later find out that your application has been turned down with a big fat "Rejection" stamp.

Regardless of whether you recognize it or not, you're now at a key juncture. You either can settle for your bank's seemingly ultimate decision and hang around to hit the lottery - or you might investigate alternative routes for obtaining the money you need.

Whether you need the money for a advance payment for a home or just need a bit of extra cash to make this month's rent payments, utilise the enclosed tutorial on what to do in the event your loan company says "no chance":

‧ First off, don't just take their denial as a definite nope. Rather, question them what you might have done in order to get authorised from the start. Whilst many loan providers may turn you down due to a low credit score, it's straightforward to prove that you have got the fiscal requirement to make the loan repayments.

When approaching a new loan provider, ensure that you take any proof of job employment, three months' worth of pay stubs, bank records that report a wholesome account balance, and in many cases a few reference letters from your employer and property manager who is able to confirm your fiscal responsibility. You'll be surprised how these reports can negate even a poor credit score.

‧ Still can't obtain the approval you need from a regular loan provider? It's time to investigate some alternate choices, like bad credit loans. While they may look like a poor type of loan - after all, they have the words "bad credit" connected to them - they will actually assist you to raise your credit score. In order to take out bad credit loans, your loan provider will either charge you higher interest levels or request you to put up one of your valuable personal belongings as security. Loans of this type might also contain a demand for a guarantor in order to guarantee the loan.Whilst this could seem a totally acceptable request, the guarantor will effectively be underwriting the loan as your representative, thus his/her credit status might be seriously afflicted if you can't stick to the repayment demands. As a result, think meticulously about loans for bad credit before making a application.

Having your application refused might be an awkward experience - but this doesn't imply that you have to turn away from your desires for more capital. Just investigate these alternative ways for getting the money you want, whatever your credit history!

Getting refused credit is often an extremely stressful encounter for many individuals. In spite of this, one can use bad credit loans as a way to both get the funds you want and restore your credit score.Check out our webpage to obtain more useful information on how loans for bad credit could help your situation.

Factoring and Invoice Discounting - An Overview

Factoring has come a long way since its introduction into the UK in the early 1960's. Initially viewed with suspicion it's now a widely used (nearly 50,000 businesses in the UK) and accepted means through which a business can generate working capital.

The word Factoring, whilst literally referring to the sale and purchase of an asset, in this case a businesses accounts receivable (debtors) at a discount, now encompasses some other facilities notably invoice discounting.

Key to Factoring is the finance it generates enabling a business to exist and grow, especially at a time when traditional bank facilities are coming under so much scrutiny.

The mechanics behind factoring are fairly basic. If a business looks at how much it is owed by its business customers in total and works out 80% of this figure then in general terms that's how much may be raised.

However, no two businesses are the same and no two factoring companies are the same either. As time has gone by the industry has acquired its own jargon which can be very confusing to a prospective buyer.

At its heart Invoice Discounting contains the basic characteristic of Factoring in that it's the sale and purchase of a businesses accounts receivable at a discount. The core aspect that stands invoice discounting apart from factoring is that invoice discounting is usually a confidential agreement. Under the terms of a traditional Factoring facility all invoices raised carry a stamp disclosing a businesses use of the facility, with Invoice Discounting there's no such disclosure.

As with Factoring a very simple calculation can be performed by taking a businesses sales ledger balance (business customers only) and working out 80% of this figure.

This is how much money may be available instantly so if it's a materially larger figure than the business receives by way of an overdraft then there may be benefit in exploring further.

As can be expected from a business funding tool there are hoops to go through with lenders before the benefits of the facility can be realised. There are many variable to take into account and often an independent brokerage service can help make this clear and point the company in the right direction by giving them the best options available to them. This service allows the company to compare all factors and assess the best deal available to them.

Making a calculated assessment based on these factors will enable you to make the correct option for your business. You will be on the way to a healthy cash flow which will help your business grow and prosper.

Just Factoring is a specialist, independent and importantly, experienced brokerage that helps businesses through the often complex process of finding a factoring company. For more advice visit our website http://www.justfactoring.co.uk/