Articles from: May 2017

All About The International Banking And Financial Studies Masters At Southampton

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Here is a short summary of the MSc International Banking and Financial Studies masters degree course offered by the Management School at the University of Southampton to help would-be students to decide whether it is the course for them.

This International Banking and Financial Studies masters course aims to develop students’ existing skills through advanced study in the areas of banking and finance, with a particular emphasis on the international context in which these activities occur.

The International Banking and Financial Studies masters programme gives you a coherent theoretical framework for the various subject areas, although the emphasis throughout is on the practical application of financial techniques in the modern financial services environment.

Southampton Management School has an excellent international reputation for the analytical study of management and business. Studying the MSc International Banking and Financial Studies masters programme will introduce you to new concepts and knowledge, which can make all the difference in the job market.

At the Management School, all our degrees are taught by research-active academics who are also directly tackling business challenges outside the seminar room and putting theory into practice every day.

The International Banking and Financial Studies masters degree course is led by Dr. Gerhard Kling, who is a senior lecturer in Finance at the University of Southamptons Management School.

Gerhard received his PhD in Economics from the University of Tuebingen (Germany) and joined Utrecht University (The Netherlands) as Assistant Professor of Finance and Financial Markets (2004-2006).

In 2006, he went into the private sector and worked as Practice Specialist in Corporate Finance & Banking (McKinsey & Company, Germany) (2006-2007). Then he returned into academia and joined Bristol Business School (UWE, UK) as Senior Lecturer in Strategy (2007-2009).

In 2009, Gerhard was promoted to a Principal Lecturer in Strategy and Operations Management (2009-2010). On 1st October 2010 he joined the University of Southampton as a Senior Lecturer in Finance.
Southampton Management School has an excellent international reputation for the analytical study of management and business. Studying an MSc Management masters degree, or other postgraduate option, will introduce you to new concepts and knowledge, which can make all the difference in the job market.
All our degrees are taught by research-active academics who are also directly tackling business challenges outside the seminar room and put theory into practice every day.

To find out more about this International Banking and Financial Studies masters degree go to www.southampton.ac.uk/management

Ally Bank Online Bank Rates

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Ally Bank is a business unit of Ally Financial the leaders in automotive financial services worldwide. Ally financial services is officially preferred source of financing for General Motors, Chrysler, Saab, and Thor Industries

This is an Ally Bank rates update for February 2011. While they do not handle mortgage loans, they do offer their customers CDs, savings, and checking accounts. For those that are unaware of it, this is the new name for the old GMAC Bank.

The current bank rates on the certificates of deposit include the special Raise Your Rate CD that is a 2 year term. The APY is currently at 1.50%, and can be increased once during the term of the CD.

There is also the No Penalty CD that is earning an APY of 1.20% for an 11 month term.

The online Savings Account is currently earning an APY of 1.09%. The Money Market Account is also earning an APY of 1.09%

The Interest Checking Account is earning an APY of 0.50% on balances below $15,000. On balances above $15,000, the APY is 1.05%

The standard CD rates include the 3 month CD that is earning an APY of 0.64%. The 6 month CD is earning an APY of 1.04%. The 9 month CD is earning an APY of 1.00%. The 1 year CD is earning an APY of 1.29%. The 18 month CD is earning an APY of 1.35%. The 3 year CD is earning an APY of 1.84%. The 4 year CD is earning an APY of 2.05%. The 5 year CD is earning an APY of 2.39%.

There are no minimum balances to open an account, but you must make a deposit in order to earn an APY. All of these Ally Bank rates were posted on February 1, 2011 and are still current as of February 18, 2011, but are subject to change without notice.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

For additional resources involving financial help, please view PNC Online Banking, best bank savings rates,SunTrust CD Rates, Westpac Online Banking and Online Banks at

Hard Times Ahead For Eu Carbon Investment As Meps Reject Backloading Plan

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It seems that for the time being carbon investment in the EU will not get the much needed price support, with a committee of MEPs rejecting plans for propping up the price in the EU’s carbon market. The decision predictably sent prices of carbon allowances down, spiralling to a new record low of below 3 a tonne.

MEPs Reject Backloading Plan

On January 25, BusinessGreen reported that the European Parliament’s Industry, Research and Energy (ITRE) committee voted against a proposal by the European Commission to withhold permits from the market before reintroducing them at a later date. The process, known as backloading, was intended to remove part of the oversupply of EU carbon allowances (EUAs) in the EU Emissions Trading System (EU ETS).

Carbon Price Hits a Fresh Low

Although the vote is just one of the steps in a process which could still see the backloading plan implemented, the result sent the trading price of EUAs to a record low of 2.81 a tonne. BusinessGreen quoted Miles Austin, executive director of the Climate Markets and Investment Association, as saying that without the backloading it was difficult to see how the EU ETS would remain relevant for future climate policy. It will be driving little significant change, certainly not at the scale needed for Europe to promote a low-carbon economy and remain internationally competitive, Mr Austin added.

Analysts have estimated that the price of EUAs needs to be approximately ten times higher to drive low carbon investment on a large-scale.

Wake-Up Call

On January 24, Reuters quoted the EUs Climate Commissioner Connie Hedegaard as saying that the carbon price fall to less than 3 should serve as a wake-up call to EU Member States to back the Commissions backloading plan. It must be clear to all that when the Commission warned that the ETS price could drop dramatically it was not a false warning but a real possibility, Ms Hedegaard was quoted as saying.

Indeed,carbon investment prospects in the EU seem grim at present, with Reuters reporting that following the parliamentary vote SocieteGenerale cut its forecasts for average EUAs carbon prices from 2013 to 2015 by around 30 percent. Negative news and events relating to the EU ETS continue to pile up and come from all sides, the bank said. The EU ETS has become a one-way market, spiralling down.

Prerequisites Of Taking Up A Preschool Franchise

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Preschools in India are a massive growth sector, full of opportunity, for you and for the wider community. Eurokids India is the number one franchise opportunity in preschools in India and was ranked number four in the annual India Franchise Ranking 2010, so if you want to start a franchise, you want to start a Eurokids franchise.

Obviously, with such a prestigious reputation, and with the crucial care and developmental role of our countrys next generation as our primary focus, our prerequisites for granting a preschool franchise are extremely high. We cannot let the quality slip, for our good name, but especially for the children. Only the best will do, as you can understand.

The most important prerequisite for getting a franchise for a Eurokids India preschool is you need to have a total commitment to help carry forward our ambition of making learning a fun experience for kids. You have to have a passion for early child education and a love of children. There is no point in getting into this industry if you do not have a pastoral love for children and desire to fulfil their education needs.

To start with, you will need to own or rent a space of at least 1500 square feet in a quiet, tranquil and peaceful location. It must be on the ground floor and have an open area adjacent that can be used as an outdoor play area. It must also have independent access, attached toilet facilities and needs to be well ventilated.

You must have between INR 5 10 Lakh minimum, which should be spent on ambience and equipment cost need to start. This will depend on the location of the preschool and the alterations needed to fit it out.

Once you have been accepted as a franchise holder you will undergo an extensive training program that will teach you how to successfully operate a preschool. You and your staff members will also receive ongoing training for the Eurokids curriculum and delivery method.

If you have all this then dont hesitate to give Eurokids India a call today. Together we can educate the next generation.

Star Wars An Epic In Space Opera Franchise

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Star wars can be said as an epic in space opera franchise conceived initially by George Lucas. Star wars was released on May 25, 1977 under 20th Century Fox banner and soon became popular worldwide. Star wars films has generated a total of $4.3 billion box office revenue, making it the third-highest grossing film series. The franchise has also spawned other media starting from television series, books, comic books and video games resulting in the development of the series fictional universe.

The events developed in the star wars media take place in a fictional universe. The expanded universe and the alien creatures are depicted. Space travel is a very common thing that can be seen in the entire series. One of the most prominent element of the star wars is the Force, a form of energy that is omnipresent and can be harnessed by those who have ability to do so. The force allows the user to perform certain things that are supernatural and also amplify certain physical traits such as speed and reflexes. It is also looked as the dark side, when pursued, imbues the user with hatred and aggression leading to violence.

The series features many elements like Jedi knights, princesses and witches which are usually related to archetypes of the fantasy genre. The series feature sleek and futuristic settings, portrayed as dirty and grimy. In the early stages the concept of star wars was rejected but later the 13-page treatment written by Lucas lead to the remake of Akira Kurosawas The Hidden Fortress. Later on certain elements were added to the treatment such as the Sith, the Death Star, and a young boy as the protagonist named Annikin Starkiller, who later on became Lukes father, a wise Jedi knight. Here the force was introduced as a supernatural power.

The film became more satisfying as a self-contained film, ending with the destruction of the Empire by way of destroying the Death Star. With the success of the Star Wars, the film was elaborated as a series creating an independent film making centre. The term expanded universe is widely used and explained well in Star Wars. George Lucas retains artistic control over the Star Wars universe. The elements of the Expanded Universe has been well adopted in the film. To date, six films and three animation series have been produced for the television, with a live action series and a 3D-CGI animated series as well as Full length theatrical movie. In addition to the trilogies, several authorized films have also been produced. The Star Wars saga has also inspired many fans to create their own apocrypha set in the Star Wars galaxy.

What Is the Best Way to Find Bank Foreclosed Houses to Buy

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Bank foreclosed houses are everywhere. With hundreds of homeowners defaulting on their mortgage, more and more bank foreclosures are placed on the market for sale. And almost all of them are priced below their current market value.

If you are on the market for bank foreclosures to live in or to repair and re-sell, then there are many ways to find these cheap properties. Take time to explore each option before you decide on the best way to buy bank foreclosed houses.

Short Sale:

This option to buy bank foreclosures depends heavily on the lenders, whether they will accept short sale or discounted payoffs. Short selling means that lenders have agreed for homeowners to sell their distressed properties and to accept the total sale cost as payment for the unpaid loan balance. Homeowners may opt for short sale in an effort to avoid foreclosures and to save their credit score.

If you plan on buying a bank foreclosure through short sale, make sure to talk to the lender or the person responsible for the short sale. Come prepared with your finances in order. This is a way to give you leverage during the negotiation.

Pre-foreclosure:

During the pre-foreclosure stage, the distressed homeowner is on the brink of foreclosure and has decided to sell his property to pay off his debt and avoid foreclosure. Make sure that you do some background check on the property first to know if there are hidden liens attached on it. Sometimes, in their desperation to sell the properties immediately to avoid foreclosures, the homeowners will not divulge any information that may turn off potential buyers. It is advisable also to hire a home inspector to give a professional assessment on the structural condition of the property.

Auctions:

Another way to find a cheap foreclosed house is through auctions. Here, the property goes to the highest bidder. Before you attend an auction, make sure that you have set your budget so as not to overbid on a property.

These are some common ways to find cheap bank foreclosures to buy. Your budget and requirements will dictate what method you will choose to buy bank foreclosed houses.

The Entrepreneur

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The world is awash with entreprenuers and we have noticed that 9 to 5 kind of jobs is not the route to financial freedom. You can do a 9 to 5 kind of job, retire honouably but i promise you your financial base is nothing compared to the that of an entrepreneur who ventured to start something something for themselves.

Entrepreneurship is a systematic approach used to identify, bring to life and nourish to fruition of an ideal or oppournity. Entrepreneurs perceive potentials and build on them by directing his or her resources to achieve pre-determined goals. The human resource is of importance because it is in born in all. It manifest as talents and deep seated aspirations. The material resource is secondary.

The featuers of Entrepreneurs are numerous but lefts nose dive into it. Entrepreneurs have a high level of business consciousness. They can discern between assets and liabilities. They can see business potentials when they get close to one. Their eyes and mind can see potentials even when clothed in failures. In addition, they are ready ti indulge in moderate calculated risks because they do a through base line study of their potential business ideal. These base line studies give them a clear picture if the target market, the dos and don’ts the requirements and the legal impediments.They make sound business judgement before they dive into any business venture.

Entrepreneurs are dynamic and hard working. They do not dive into business because it is in vogue or it has made their next door friend millionaires. They nourish their idea with creative innovations thus making it unique. They have superb abilities in allocating time, resources and task.

Remember, Entrepreneurs do not dive into business ventures. Like I said above, the world is awash with entrepreneurs. Subsequently, study yourself before you throw in yor material into any venture if not you would close shop few months after.

In conclusion, engage professional to do the base line studies and visit a solicitor and you would know the legal angel of your proposed business venture.

Risk Factors In International Trade

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Although process automation facilitates better management international trade risks, latent risks still exist. Implementation of technologies not withstanding, international trade risks need to be managed in real time and on a totalitarian basis. The first of such risks is ramifications the slump in US economy can instill due to housing market crash. Volatility of financial markets with renewed oil market threats could trigger inflation and hikes in interest rates. The third most significant risk is the heightened scrutiny of exports due to security concerns, which makes managing international trade risks harder.

On the other hand, exporters’ risks include insolvency of the importer, protracted default in which the importer fails to pay off the due within the legal period after the due date and risk of rejection. On a far sight, export ban, possibilities of war, changes to the law/tariff or even confiscation of importers’ properties also count as major possible risks in an international trade.

-Possible Steps to International Trade Risk Mitigation

International banks provide with expert support and service to conduct international trade and international transactions rather safely.

Getting paid in an international trade is a different thing due to a number of factors that influence it. One must note that no amount of planning can entirely eliminate the payment risks in international trade and carefully resorting to your preferred mode of payment and hedging the risks besides securing proper credit insurance and credit checks on your customers before engaging with your trading partner is the safest way out.

-Regional Trade Organizations

International trade related disputes are resolved by the World Trade Organization which is a multilateral agency because it sets the rules that govern the global trading. There exist a few regional trade organizations but regulative powers are limited with them. Some quarters have raised fears that regional trade organizations can be used against them, which on the contrary has contributed to a messier situation.

-Availing Credit Can Help Mitigate Some Risks

One way to safeguard international trade is via credit insurance policy with multiple covers such as the potential insolvency through which the customer provides reimbursement, although to a limit. Products like Bills for Collection (BC) and Letters of Credit (LC) come in very handy in international trade situations. An LC is a bank-to-bank commitment of payment favoring the exporter and guaranteeing the payment against presentation of certain compliant documents. Both BC and LC are governed by regulations from ICC.

India’s Strong Gold Investment

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We all know that the glitter of gold can be too hard to resists sometimes. This is why investing in gold has become one of the most profitable transactions that you can make these days. When it comes to choosing the right gold products you surely have where to pick from: 1 kilo gold bar, gold coins, gold bullion, one ounce gold bars, gold funds and so on. The variety of gold investments is daunting, therefore making a choice can become a rather difficult task.

Gold is and has been the preferred investment for Indians especially because the potential price increase and because it is considered a hedge against inflation. Studies show that when the inflation rises with 10 percent, for example, then the process for gold will rise for 30%.

Throughout generations, gold has been one of the most trusted investment vehicles. Taking into consideration that the gold production on a worldwide scale is far below than the demand, gold prices are likely to go up in the months to come. Gold has proved itself to be the only medium of exchange that is absolutely free of credit risk. This is why the trend among investors is to invest at least part of their savings in the precious metal.

Buying gold however, can take numerous forms. One of the most popular ways of investing in gold in India is definitely jewellery. For Indians, owning gold jewellery is a sign of wealth and it gives them the advantage of owning physical gold and also being able to use it for fashion purposes at the same time. Of course, there is a downside to this also: the loss of value due to impurities, the high charges and exchange rates when and if they decide to sell them.

Another gold investment product, which has become quite popular is represented by the gold bar. This is the oldest form of gold preservation and the advantage of this product is that it can be found in various sizes: one ounce gold bar, 1 kilo gold bar, 20 grams gold bar and so on. This gold product offers the satisfaction of holding gold and knowing that you can buy or sell it online at any time. When you own physical gold bars then you need to deposit it in a vault and take out insurance in order to protect your investment.

India, as well as other important economic powers of the world, such as China, have started to invest heavily in gold. Therefore, when you want to make sure that you protect your investments then you have to start doing the same thing.

Tips For Individuals Who Want To Borrow From Private Money Lenders

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If you are one of those who are looking for private money lenders, this could be an indication that you have just fallen into a financial emergency. This happens to almost anybody not only in the United States but all across the world. To date, the fact remains that there is a very small percentage of the society that does not run out of money but a big part of the population needs options just in case they do.

For some of us, borrowing money from family members is not an option so is borrowing through credit cards either because you have reached your credit limit or you have a bad credit. This is where private money lenders come in. Individuals who have gotten into an unexpected expense but do not have the cash at this moment are the most common borrowers of private money loans. Private money lenders offer short term loans to people who have had a hard time borrowing money from banks or other traditional lenders.

If you need to borrow financing from private money lenders, collect personal data that may be relevant to your search for lenders. Gather all important papers in advance. Oftentimes, you will need to present a proof of income and other financial documents including bank statements in advance. You can search for lenders online. You can find them listed in the investment bank section of your Yellow Pages. You may also look for names on the Internet. Asking contacts from banks or credit unions will also be helpful. These financial institutions will be able to assist you in finding lenders in your local area.

Once you find a private money lender, be prepared to explain you situation. Ask for a loan application form and fill it out. Be honest with any information that you put in your application. Lenders will have their ways of finding out whether or not you are telling the truth. Always ask for a timeline so that you will have an idea as to when to expect feedback.

If you are borrowing private money loans to finance your real estate investment, prepare exit strategies that you can use as fallback. For instance, you can sell the house after two years. You may also choose to apply for refinancing. Finding private money lenders is not as difficult as what most of us think. Maximize your resources and you are sure to find one who can help you with your needs. For a list of lenders in your area, go to www.rehabhardmoney.com.

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