#Foundations Interest Rate Credit Risk Assignment experts

[riccocpa]

Your Complete Checklist for Smart Financial Planning in 2025

In today’s fast-paced world, managing your finances wisely has never been more important. As we enter 2025, financial planning isn't just about saving a portion of your income—it’s about creating a roadmap for long-term stability and wealth. Whether you're an individual, a growing entrepreneur, or a small business owner, the right strategy can help you meet your financial goals, reduce risk, and prepare for the unexpected.

At Robert Ricco, Inc, An Accountancy Corp, we offer comprehensive accounting services in Santa Monica to help you make informed financial decisions every step of the way. In this guide, you'll find everything you need to build your financial checklist for 2025—from budgeting and debt reduction to investment planning and tax optimization.

Define Your Financial Goals for 2025

Setting clear goals is the foundation of smart financial planning. Begin by categorizing your objectives into three types:

Short-term goals: Emergency fund, debt repayment, vacation

Mid-term goals: Saving for a home, expanding a business

Long-term goals: Retirement planning, college funds for children

Build a Practical Budget

A budget is a financial blueprint that ensures you're spending within your means and allocating money wisely. In 2025, inflation, interest rates, and economic uncertainty may impact everyday expenses—making budgeting even more crucial.

Popular budgeting strategies:

50/30/20 Rule: 50% on needs, 30% on wants, 20% on savings/debt

Zero-based budgeting: Every dollar is assigned a purpose

Use apps like YNAB, Mint, or QuickBooks to track spending

If you own a business or work as a freelancer, our Bookkeeping Services in Santa Monica ensure your financial records are always up-to-date and accurate.

Create a Reliable Emergency Fund

An emergency fund acts as a safety net for unexpected events such as job loss, medical expenses, or urgent repairs. In 2025, aim to save 3–6 months’ worth of essential expenses. Store this fund in a high-yield savings account to earn interest while keeping it accessible.

At Robert Ricco, Inc, our Santa Monica accounting experts can help you automate your savings and develop cash flow strategies to build your emergency reserves.

Strategically Manage Debt

Debt management is essential to maintaining financial freedom. High-interest debt like credit cards or unsecured loans can hinder your progress.

Popular repayment strategies:

Avalanche method: Pay off the highest-interest debt first

Snowball method: Pay off the smallest debts first to build momentum

Our CPA in Santa Monica works closely with clients to review liabilities, assess credit impact, and develop debt payoff plans that align with their income.

Maximize Your Income and Career Potential

Whether you're seeking a promotion, changing careers, or launching a new business, maximizing income in 2025 is vital.

Here’s how to grow your earnings:

Upskill with certifications or online courses

Explore side hustles or part-time consulting

Network and negotiate effectively

Develop a Smart Investment Strategy

Smart investing helps grow your wealth over time. In 2025, trends such as automation, green tech, and global diversification are shaping new opportunities.

Investment areas to consider:

ETFs and mutual funds

Stocks and dividend portfolios

Real estate and REITs

Roth IRAs and 401(k) plans

Our CPA firm Santa Monica CA provides personalized investment planning services to help clients diversify their portfolios based on goals and risk tolerance.

Prepare for Tax Season All Year Long

Proactive tax planning can save you thousands over the long term. With constant changes in tax codes, it's critical to stay up-to-date.

Tax planning tips for 2025:

Maximize deductions and credits (home office, business expenses)

Contribute to tax-advantaged accounts (401(k), HSA, SEP IRA)

Keep detailed records year-round

Let our CPA in Santa Monica manage your filings, minimize liabilities, and ensure full IRS compliance.

Review Insurance Coverage

Protecting your assets and income through insurance is an essential part of financial planning.

Types of insurance to consider:

Health and disability insurance

Life insurance (term or whole)

Home, auto, and renters insurance

We'll help assess your current policies and ensure you're adequately covered for life's unpredictable moments.

Set Up Estate Planning Documents

Estate planning ensures your assets are distributed according to your wishes. It's not just for the wealthy—it's smart financial planning for everyone.

Key documents to have in place:

A legally binding will

Power of attorney

Healthcare proxy

Living trust (if applicable)

Our firm connects you with trusted estate planning professionals to protect your legacy.

Use Technology and Financial Tools

In 2025, digital tools make financial planning more accessible than ever. Whether you're managing a business or household, automation and software streamline decision-making.

Recommended tools:

QuickBooks or Xero for small business finances

Robo-advisors like Betterment for hands-off investing

Personal finance dashboards for budget tracking

At Robert Ricco, Inc, we integrate these tools into our Bookkeeping Services in Santa Monica to give you real-time financial clarity.

Review and Adjust Your Plan Regularly

A successful financial plan is dynamic—not static. We recommend scheduling quarterly or biannual reviews to adjust your budget, savings goals, and investment strategies.

Our clients benefit from regular strategy sessions with a dedicated CPA in Santa Monica, ensuring that their plans evolve with their lives and business goals.

Why Choose Robert Ricco, Inc for Your Financial Planning?

At Robert Ricco, Inc, An Accountancy Corp, we’re more than just number crunchers. We’re a strategic partner in your financial success. With deep expertise in Santa Monica accounting, tax compliance, and investment planning, we help clients build wealth, reduce risk, and meet their financial goals with confidence.

📞 Call Now for Smart Financial Planning (310) 729-3705

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Foundations Interest Rate Credit Risk Assignment Homework Help

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Interest Rate Risk is the risk that arises  for bond owners from fluctuating interest rates. How much interest rate risk a   bond has depends on how sensitive its price is to interest rate changes in the  market. The sensitivity depends on two things, the bond's time to maturity, and  the coupon rate of the bond. Interest rates vary widely. We at www.statisticsonlineassignmenthelp feel  glad to provide help to the students in need through various means. Interest Rate Risk Assignments &  Project are usually confound and complex, and requires a deep understanding of  the subject knowledge. Experts at www.statisticsonlineassignmenthelp toil to guide  the students in the Interest Rate Risk help in lucid, comprehensible &  explicit way.

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[sasgujarat]

Insurance Law - An Indian Perspective

"Protection ought to be purchased to secure you against a cataclysm that would somehow or another be monetarily pulverizing."

In basic terms, protection permits somebody who endures a misfortune or mishap to be made up for the impacts of their setback. It lets you secure yourself against regular dangers to your wellbeing, home and monetary circumstance.

Protection in India began with no guideline in the Nineteenth Century. It was an average story of a pilgrim age: scarcely any English insurance agencies commanding the market serving for the most part huge urban focuses. After the autonomy, it took a dramatic turn. Protection was nationalized. To begin with, the life coverage organizations were nationalized in 1956, and afterward the general protection business was nationalized in 1972. It was distinctly in 1999 that the private insurance agencies have been permitted once again into the matter of protection with a limit of 26% of outside holding.

"The protection business is colossal and can be very scary. Protection is being sold for nearly everything without exception you can envision. Figuring out what's directly for you can be an overwhelming assignment."

Ideas of protection have been stretched out past the inclusion of unmistakable resource. Presently the danger of misfortunes because of abrupt changes in cash trade rates, political unsettling influence, carelessness and obligation for the harms can likewise be secured. visit here  sas gujarat

However, on the off chance that an individual attentively puts resources into protection for his property before any sudden possibility then he will be appropriately made up for his misfortune when the degree of harm is determined.

The passage of the State Bank of India with its proposition of bank confirmation acquires another elements the game. The aggregate understanding of different nations in Asia has just deregulated their business sectors and has permitted remote organizations to take an interest. In the event that the experience of different nations is any guide, the predominance of the Disaster protection Enterprise and the General Protection Partnership won't vanish at any point in the near future.

The point of all protection is to repay the proprietor against misfortune emerging from an assortment of dangers, which he envisions, to his life, property and business. Protection is for the most part of two sorts: extra security and general protection. General protection implies Fire, Marine and Different protection which incorporates protection against robbery or burglary, constancy ensure, protection for manager's risk, and protection of engine vehicles, domesticated animals and harvests.

Disaster protection IN INDIA

"Disaster protection is the ardent love letter at any point composed.

It quiets down the crying of an eager child around evening time. It diminishes the core of a dispossessed widow.

It is the encouraging murmur in obscurity quiet hours of the night."

Life coverage made its presentation in India well more than 100 years prior. Its striking highlights are not as broadly comprehended in our nation as they should be. There is no legal meaning of disaster protection, however it has been characterized as an agreement of protection whereby the guaranteed consents to pay certain entireties called premiums, at determined time, and in thought thereof the safety net provider consented to pay certain aggregates of cash on certain condition sand in indicated route after occurring of a specific occasion dependent upon the span of human life.

Extra security is better than different types of reserve funds!

"There is no passing. Life coverage lifts up life and thrashings passing.

It is the exceptional we pay for the opportunity of living in the afterlife."

Investment funds through extra security ensure full assurance against danger of death of the saver. In life coverage, on death, the full entirety guaranteed is payable (with rewards any place pertinent) though in different reserve funds plans, just the sum spared (with intrigue) is payable.

The fundamental highlights of life coverage are an) it is an agreement identifying with human life, which b) accommodates installment of singular amount sum, and c) the sum is paid after the expiry of certain period or on the demise of the guaranteed. The very reason and object of the guaranteed in taking strategies from disaster protection organizations is to defend the enthusiasm of his wards viz., spouse and kids all things considered, in the even of sudden passing of the guaranteed because of the event in any possibility. A life coverage arrangement is likewise commonly acknowledged as security for even a business credit.

NON-Life coverage

"Each advantage has a worth and the matter of general protection is identified with the assurance of monetary estimation of benefits."

Non-life coverage implies protection other than disaster protection, for example, fire, marine, mishap, clinical, engine vehicle and family protection. Resources would have been made through the endeavors of proprietor, which can be through structure, vehicles, apparatus and other substantial properties. Since substantial property has a physical shape and consistency, it is dependent upon numerous dangers extending from fire, partnered hazards to burglary and theft.

Not many of the General Protection arrangements are:

Property Protection: The house is most esteemed belonging. The arrangement is intended to cover the different dangers under a solitary strategy. It gives assurance to property and enthusiasm of the safeguarded and family.

Medical coverage: It gives spread, which deals with clinical costs following hospitalization from abrupt disease or mishap.

Individual Mishap Protection: This protection arrangement gives pay to death toll or injury (halfway or lasting) brought about by a mishap. This incorporates repayment of cost of treatment and the utilization of medical clinic offices for the treatment.

Travel Protection: The arrangement covers the guaranteed against different outcomes while voyaging abroad. It covers the guaranteed against individual mishap, clinical costs and repatriation, loss of checked things, identification and so forth.

Obligation Protection: This approach repays the Executives or Officials or different experts against misfortune emerging from claims made against them by reason of any improper Demonstration in their Official limit.

Engine Protection: Engine Vehicles Act expresses that each engine vehicle utilizing out and about must be guaranteed, with in any event Obligation just arrangement. There are two sorts of approach one covering the demonstration of obligation, while different spreads safety net providers all risk and harm caused to one's vehicles.

Excursion FROM A Baby TO Youth!

Verifiable Point of view

The historical backdrop of extra security in India goes back to 1818 when it was imagined as a way to accommodate English Widows. Strikingly in those days a higher premium was charged for Indian lives than the non-Indian lives as Indian lives were viewed as progressively hazardous for inclusion.

The Bombay Shared Life coverage Society began its business in 1870. It was the main organization to charge same premium for both Indian and non-Indian lives. The Oriental Confirmation Organization was set up in 1880. The General protection business in India, then again, can follow its underlying foundations to the Triton (Tital) Insurance agency Constrained, the main general insurance agency built up in the year 1850 in Calcutta by the English. Till the finish of nineteenth century protection business was as a rule in the hands of abroad organizations.

Protection guideline officially started in India with the death of the Disaster protection Organizations Demonstration of 1912 and the Fortunate Reserve Demonstration of 1912. A few cheats during 20's and 30's profaned protection business in India. By 1938 there were 176 insurance agencies. The main thorough enactment was presented with the Protection Demonstration of 1938 that gave severe State Authority over protection business. The protection business developed at a quicker pace after freedom. Indian organizations fortified their hang on this business yet in spite of the development that was seen, protection stayed a urban marvel.

The Administration of India in 1956, united more than 240 private life back up plans and opportune social orders under one nationalized imposing business model partnership and Extra security Enterprise (LIC) was conceived. Nationalization was legitimized in light of the fact that it would make genuinely necessary assets for quick industrialization. This was in congruity with the Administration's picked way of State lead arranging and improvement.

The (non-life coverage) business kept on succeeding with the private area till 1972. Their activities were limited to sorted out exchange and industry in enormous urban areas. The general protection industry was nationalized in 1972. With this, about 107 safety net providers were amalgamated and gathered into four organizations - National Insurance agency, New India Affirmation Organization, Oriental Insurance agency and Joined India Insurance agency. These were auxiliaries of the General Insurance agency (GIC).

The disaster protection industry was nationalized under the Life coverage Partnership (LIC) Demonstration of India. Somehow or another, the LIC has gotten thriving. Notwithstanding being an imposing business model, it has some 60-70 million policyholders. Given that the Indian white collar class is around 250-300 million, the LIC has figured out how to catch somewhere in the range of 30 odd percent of it. Around 48% of the clients of the LIC are from rustic and semi-urban regions. This presumably would not have happened had the sanction of the LIC not explicitly set out the objective of serving the country territories. A high sparing rate in India is one of the exogenous elements that have helped the LIC to develop quickly lately. In spite of the sparing rate being high in India (contrasted and different nations with a comparable degree of advancement), Indians show high level of hazard avoidance. Accordingly, about portion of the speculations are in physical resources (like property and gold). Around twenty three percent are in (low yielding yet protected) bank stores. What's more, some 1.3 percent of the Gross domestic product are in disaster protection related investment funds vehicles. This figure has multiplied somewhere in the range of 1985 and 1995.

A World perspective - Life coverage in India

In numerous nations, protection has been a type of investment funds. In many created nations, a critical portion of residential s

[andreagillmer]

Free Market Capitalism: Laughably Predictable

Source: Michael Ballanger for Streetwise Reports   10/05/2019

Sector expert Michael Ballanger offers his observations on recent market fluctuations.

On Wednesday, as the kiddies were upset over a swooning S&P, then trading a paltry 5% from the all-time high of 3,027, I tweeted out this graphic that perfectly describes my cynical view of the paper markets around the world.

What prompted me to exercise my artistic flair was that the screams were loudest in the world of social media where the Millennial Horde had leveraged Mommy’s 2018 BMW Roadster convertible in order to trade S&P futures from the long side. “Cut rates!” they type-screamed using CTRL-B,U,I for emphasis; “Do the China Deal, Donald!” as margin calls came flooding into their inboxes. And as surely as the sun rises and gold gets hammered on an NFP Friday, the invisible hand reached out and rescued them with mercurial deft and timely precision. All is now right with the world, and stocks are charging back toward the highs with a 57-point turnaround in the S&P in less than two trading sessions. As I tweeted out [yesterday], it was (and is) laughingly predictable.

Now, to underscore the absurdity of this obsession with rising stock markets, take a peak at the next graphic courtesy of Bianco Research. The pink section is all bonds trading at a negative yield, while the green is what would be historically “normal”—you know, a bond that pays the holder that is taking all of the risk a positive return. Is it any wonder that money managers around the world are all flooding into stocks, when over 50% of sovereign (not corporate) bonds are penalizing their owners?

Do any of you recall the term “lender of last resort?” That term refers to the reason why sovereign bonds and bills are assigned a heavenly credit rating, which assumes that, because they own and control the power of taxation, there will always be a working population upon which governments can rely for interest coverage. Where corporations and individuals can file for bankruptcy protection in favor of the bondholder, sovereign nations enjoy the realm of privilege and are blindly obeyed until exogenous shocks to the status quo occur, which place a sovereign nation in default.

The last two countries to default on debt were Greece and Venezuela, and while Greece has had its standard of living stabilized under the shelter of the ECB (European Central Bank) umbrella, Venezuela has no such safety net and its citizens are suffering a malaise not unlike Wiemar Germany 1921–1923 or Zimbabwe post-1986. Now look at this list of countries on “credit default watch,” as measured by spreads on credit default swaps.

Ukraine

Pakistan

Egypt

Brazil

South Africa

Russia

Portugal

Kazakhstan

Turkey

Vietnam

Around the turn of the century, there was an acronym that combined four countries believed to be global growth drivers for the new millennium, then known as BRIC (Brazil, Russia, India and China). They were the darlings of the Wall Street analytical community for years until quite recently. For reasons beyond all logic, two out of four of them are now on the “watch list” (Brazil and Russia), with China’s current trade war with the West and its suspect shadow banking system making them a soon-to-be-added member. South Africa used to be one of the most dependable and credit-worthy countries on the planet until a socialist thug took over (sharing a common history with Venezuela), and Brazil was once lauded and applauded for its thriving mining and agricultural foundations. Even Germany, the industrial and political backbone of the ECB, has not one bond or bill yielding positive returns.

I submit to you, my friends, that the malaise to which I refer, starting with the blatant control of all markets (bonds, stocks, Forex and commodities) by government interference is symptomatic of the accelerating early stages of a massive global debt disease. You have read my thoughts on “mistrust“; now you actually can quantify it in the chart shown above. Those negative yields are a wailing air-raid siren, just like 1941 London, and the 2019 version of the Luftwaffe is debt, pure and simple.

The best and only real defense against a debt implosion is to have your wealth held outside of the traditional banking system, because as we have seen in the countries over time that have defaulted, governments, aided and abetted by their police and armed forces, think nothing of confiscating your wealth “for the common good,” meaning, for their “job security.” They cannot confiscate that which they don’t see, which is precisely why they are jamming the notion of a “cashless society” down your throat. However, this is a very well-trodden path of discussion and debate that you have all heard and read before, so I shall move along.

Nothing new to be seen here:

The gold miners, as represented by the HUI (ARCA Gold Bugs Index), have treated me very well thus far in 2019, and while I lament the early exit from the leveraged ETFs (NUGT/JNUG), I did make decent money on both. But where I made “the cut” was on the exits of GDX, GDXJ, GBR.V., and the SLV calls, all in that topping window from Aug. 28 until Sept. 5.

The hate mail I received was nothing short of profane, and in some cases threatening. While I looked on dispassionately, I dumped all of my precious metals paper holdings while retaining all physical positions in gold and silver. I have now started accumulating from the long side of the paper markets (miner ETFs), and have initiated a small position in the SLV December $18 calls, with two purchases in the past two weeks at $0.23 and $0.47, for an average price of $0.35. I look for a retest of the $18.35 high before year-end. As I stated a few missives ago, I feel far more comfortable owning these positions, with small losses or break-evens, than being on the sidelines with a pile of rotting cash, just sitting there in the full envious view of bankers and government bureaucrats.

As to gold and silver, my only point of concern is the gap shown above in the HUI chart. There is an old saw —all gaps must be closed—and whether or not this one proves to be true shall remain to be seen. I have chosen to disregard it because the cause of the gap was a runaway up-thrust in gold after the $1,375/ounce breakout. Like so many other “rules” that gold and silver have tossed aside since June, I am aware of the gap but simply not acting upon it.

As I am writing this on Friday morning due to an afternoon engagement, I will not be able to comment on the COT until Monday. But suffice it to say that I expect a massive reduction in the aggregate shorts in gold held by Commercials, offset by a similar reduction in longs held by Large Speculators. Watching the plunge in open interest and the sudden and very mysterious halt in the declines of the precious metals, it is eerily reminiscent of the same “mysterious” action when it topped on Sept. 4. It is the Commercial Cretins at work doing exactly what they have been doing for ages because it is obvious that the RICO action brought against JP Morgan has done squat to deter their criminal behaviors.

I urge you all to follow me on Twitter (@Miningjunkie ) in order to get all of the intraday musings (and trading suggestions) that pertain to this abomination called the stock “market.” The month of October is hard upon us and as the intraday events happen too fast for e-mail, Twitter notifies followers of opportunities within seconds. In this world of algobots and managed prices, speed is a tactical advantage and Twitter is one application that delivers.

Follow Michael Ballanger on Twitter @MiningJunkie.

Originally trained during the inflationary 1970s, Michael Ballanger is a graduate of Saint Louis University where he earned a Bachelor of Science in finance and a Bachelor of Art in marketing before completing post-graduate work at the Wharton School of Finance. With more than 30 years of experience as a junior mining and exploration specialist, as well as a solid background in corporate finance, Ballanger’s adherence to the concept of “Hard Assets” allows him to focus the practice on selecting opportunities in the global resource sector with emphasis on the precious metals exploration and development sector. Ballanger takes great pleasure in visiting mineral properties around the globe in the never-ending hunt for early-stage opportunities.

Sign up for our FREE newsletter at: www.streetwisereports.com/get-news

Disclosure: 1) Statements and opinions expressed are the opinions of Michael Ballanger and not of Streetwise Reports or its officers. Michael Ballanger is wholly responsible for the validity of the statements. Streetwise Reports was not involved in any aspect of the article preparation. Michael Ballanger was not paid by Streetwise Reports LLC for this article. Streetwise Reports was not paid by the author to publish or syndicate this article. 2) This article does not constitute investment advice. Each reader is encouraged to consult with his or her individual financial professional and any action a reader takes as a result of information presented here is his or her own responsibility. By opening this page, each reader accepts and agrees to Streetwise Reports’ terms of use and full legal disclaimer. This article is not a solicitation for investment. Streetwise Reports does not render general or specific investment advice and the information on Streetwise Reports should not be considered a recommendation to buy or sell any security. Streetwise Reports does not endorse or recommend the business, products, services or securities of any company mentioned on Streetwise Reports. 3) From time to time, Streetwise Reports LLC and its directors, officers, employees or members of their families, as well as persons interviewed for articles and interviews on the site, may have a long or short position in securities mentioned. Directors, officers, employees or members of their immediate families are prohibited from making purchases and/or sales of those securities in the open market or otherwise from the time of the interview or the decision to write an article until three business days after the publication of the interview or article. The foregoing prohibition does not apply to articles that in substance only restate previously published company releases.

Charts provided by the author.

Michael Ballanger Disclaimer: This letter makes no guarantee or warranty on the accuracy or completeness of the data provided. Nothing contained herein is intended or shall be deemed to be investment advice, implied or otherwise. This letter represents my views and replicates trades that I am making but nothing more than that. Always consult your registered advisor to assist you with your investments. I accept no liability for any loss arising from the use of the data contained on this letter. Options and junior mining stocks contain a high level of risk that may result in the loss of part or all invested capital and therefore are suitable for experienced and professional investors and traders only. One should be familiar with the risks involved in junior mining and options trading and we recommend consulting a financial adviser if you feel you do not understand the risks involved.

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[goldcoins0]

Free Market Capitalism: Laughably Predictable

Source: Michael Ballanger for Streetwise Reports   10/05/2019

Sector expert Michael Ballanger offers his observations on recent market fluctuations.

On Wednesday, as the kiddies were upset over a swooning S&P, then trading a paltry 5% from the all-time high of 3,027, I tweeted out this graphic that perfectly describes my cynical view of the paper markets around the world.

What prompted me to exercise my artistic flair was that the screams were loudest in the world of social media where the Millennial Horde had leveraged Mommy's 2018 BMW Roadster convertible in order to trade S&P futures from the long side. "Cut rates!" they type-screamed using CTRL-B,U,I for emphasis; "Do the China Deal, Donald!" as margin calls came flooding into their inboxes. And as surely as the sun rises and gold gets hammered on an NFP Friday, the invisible hand reached out and rescued them with mercurial deft and timely precision. All is now right with the world, and stocks are charging back toward the highs with a 57-point turnaround in the S&P in less than two trading sessions. As I tweeted out [yesterday], it was (and is) laughingly predictable.

Now, to underscore the absurdity of this obsession with rising stock markets, take a peak at the next graphic courtesy of Bianco Research. The pink section is all bonds trading at a negative yield, while the green is what would be historically "normal"—you know, a bond that pays the holder that is taking all of the risk a positive return. Is it any wonder that money managers around the world are all flooding into stocks, when over 50% of sovereign (not corporate) bonds are penalizing their owners?

Do any of you recall the term "lender of last resort?" That term refers to the reason why sovereign bonds and bills are assigned a heavenly credit rating, which assumes that, because they own and control the power of taxation, there will always be a working population upon which governments can rely for interest coverage. Where corporations and individuals can file for bankruptcy protection in favor of the bondholder, sovereign nations enjoy the realm of privilege and are blindly obeyed until exogenous shocks to the status quo occur, which place a sovereign nation in default.

The last two countries to default on debt were Greece and Venezuela, and while Greece has had its standard of living stabilized under the shelter of the ECB (European Central Bank) umbrella, Venezuela has no such safety net and its citizens are suffering a malaise not unlike Wiemar Germany 1921–1923 or Zimbabwe post-1986. Now look at this list of countries on "credit default watch," as measured by spreads on credit default swaps.

Ukraine

Pakistan

Egypt

Brazil

South Africa

Russia

Portugal

Kazakhstan

Turkey

Vietnam

Around the turn of the century, there was an acronym that combined four countries believed to be global growth drivers for the new millennium, then known as BRIC (Brazil, Russia, India and China). They were the darlings of the Wall Street analytical community for years until quite recently. For reasons beyond all logic, two out of four of them are now on the "watch list" (Brazil and Russia), with China's current trade war with the West and its suspect shadow banking system making them a soon-to-be-added member. South Africa used to be one of the most dependable and credit-worthy countries on the planet until a socialist thug took over (sharing a common history with Venezuela), and Brazil was once lauded and applauded for its thriving mining and agricultural foundations. Even Germany, the industrial and political backbone of the ECB, has not one bond or bill yielding positive returns.

I submit to you, my friends, that the malaise to which I refer, starting with the blatant control of all markets (bonds, stocks, Forex and commodities) by government interference is symptomatic of the accelerating early stages of a massive global debt disease. You have read my thoughts on "mistrust"; now you actually can quantify it in the chart shown above. Those negative yields are a wailing air-raid siren, just like 1941 London, and the 2019 version of the Luftwaffe is debt, pure and simple.

The best and only real defense against a debt implosion is to have your wealth held outside of the traditional banking system, because as we have seen in the countries over time that have defaulted, governments, aided and abetted by their police and armed forces, think nothing of confiscating your wealth "for the common good," meaning, for their "job security." They cannot confiscate that which they don't see, which is precisely why they are jamming the notion of a "cashless society" down your throat. However, this is a very well-trodden path of discussion and debate that you have all heard and read before, so I shall move along.

Nothing new to be seen here:

The gold miners, as represented by the HUI (ARCA Gold Bugs Index), have treated me very well thus far in 2019, and while I lament the early exit from the leveraged ETFs (NUGT/JNUG), I did make decent money on both. But where I made "the cut" was on the exits of GDX, GDXJ, GBR.V., and the SLV calls, all in that topping window from Aug. 28 until Sept. 5.

The hate mail I received was nothing short of profane, and in some cases threatening. While I looked on dispassionately, I dumped all of my precious metals paper holdings while retaining all physical positions in gold and silver. I have now started accumulating from the long side of the paper markets (miner ETFs), and have initiated a small position in the SLV December $18 calls, with two purchases in the past two weeks at $0.23 and $0.47, for an average price of $0.35. I look for a retest of the $18.35 high before year-end. As I stated a few missives ago, I feel far more comfortable owning these positions, with small losses or break-evens, than being on the sidelines with a pile of rotting cash, just sitting there in the full envious view of bankers and government bureaucrats.

As to gold and silver, my only point of concern is the gap shown above in the HUI chart. There is an old saw —all gaps must be closed—and whether or not this one proves to be true shall remain to be seen. I have chosen to disregard it because the cause of the gap was a runaway up-thrust in gold after the $1,375/ounce breakout. Like so many other "rules" that gold and silver have tossed aside since June, I am aware of the gap but simply not acting upon it.

As I am writing this on Friday morning due to an afternoon engagement, I will not be able to comment on the COT until Monday. But suffice it to say that I expect a massive reduction in the aggregate shorts in gold held by Commercials, offset by a similar reduction in longs held by Large Speculators. Watching the plunge in open interest and the sudden and very mysterious halt in the declines of the precious metals, it is eerily reminiscent of the same "mysterious" action when it topped on Sept. 4. It is the Commercial Cretins at work doing exactly what they have been doing for ages because it is obvious that the RICO action brought against JP Morgan has done squat to deter their criminal behaviors.

I urge you all to follow me on Twitter (@Miningjunkie ) in order to get all of the intraday musings (and trading suggestions) that pertain to this abomination called the stock "market." The month of October is hard upon us and as the intraday events happen too fast for e-mail, Twitter notifies followers of opportunities within seconds. In this world of algobots and managed prices, speed is a tactical advantage and Twitter is one application that delivers.

Follow Michael Ballanger on Twitter @MiningJunkie.

Originally trained during the inflationary 1970s, Michael Ballanger is a graduate of Saint Louis University where he earned a Bachelor of Science in finance and a Bachelor of Art in marketing before completing post-graduate work at the Wharton School of Finance. With more than 30 years of experience as a junior mining and exploration specialist, as well as a solid background in corporate finance, Ballanger's adherence to the concept of "Hard Assets" allows him to focus the practice on selecting opportunities in the global resource sector with emphasis on the precious metals exploration and development sector. Ballanger takes great pleasure in visiting mineral properties around the globe in the never-ending hunt for early-stage opportunities.

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Disclosure: 1) Statements and opinions expressed are the opinions of Michael Ballanger and not of Streetwise Reports or its officers. Michael Ballanger is wholly responsible for the validity of the statements. Streetwise Reports was not involved in any aspect of the article preparation. Michael Ballanger was not paid by Streetwise Reports LLC for this article. Streetwise Reports was not paid by the author to publish or syndicate this article. 2) This article does not constitute investment advice. Each reader is encouraged to consult with his or her individual financial professional and any action a reader takes as a result of information presented here is his or her own responsibility. By opening this page, each reader accepts and agrees to Streetwise Reports' terms of use and full legal disclaimer. This article is not a solicitation for investment. Streetwise Reports does not render general or specific investment advice and the information on Streetwise Reports should not be considered a recommendation to buy or sell any security. Streetwise Reports does not endorse or recommend the business, products, services or securities of any company mentioned on Streetwise Reports. 3) From time to time, Streetwise Reports LLC and its directors, officers, employees or members of their families, as well as persons interviewed for articles and interviews on the site, may have a long or short position in securities mentioned. Directors, officers, employees or members of their immediate families are prohibited from making purchases and/or sales of those securities in the open market or otherwise from the time of the interview or the decision to write an article until three business days after the publication of the interview or article. The foregoing prohibition does not apply to articles that in substance only restate previously published company releases.

Charts provided by the author.

Michael Ballanger Disclaimer: This letter makes no guarantee or warranty on the accuracy or completeness of the data provided. Nothing contained herein is intended or shall be deemed to be investment advice, implied or otherwise. This letter represents my views and replicates trades that I am making but nothing more than that. Always consult your registered advisor to assist you with your investments. I accept no liability for any loss arising from the use of the data contained on this letter. Options and junior mining stocks contain a high level of risk that may result in the loss of part or all invested capital and therefore are suitable for experienced and professional investors and traders only. One should be familiar with the risks involved in junior mining and options trading and we recommend consulting a financial adviser if you feel you do not understand the risks involved.

from https://www.streetwisereports.com/article/2019/10/05/free-market-capitalism-laughably-predictable.html

[arunbeniwal-blog]

Dr Jatin Shah | Dr. Sapna Khare | Dr. Mohit R Saraogi | Elawoman

Dr Jatin Shah

Dr. Jatin P Shah is a profoundly experienced IVF Expert in Mumbai with an experience of more than 10 years. He holds over a time of expertise in Reproductive Medicine, Assisted Reproductive Technology, Intrauterine Insemination(IUI), High-risk pregnancy care, and so forth. He was dependably a top performer during his medicinal training and received numerous gold decorations for the equivalent. His capacity to analyze and take care of problems in IVF and ICSI programs in different laboratories has earned him the moniker of "IVF Commando".

Dr. Jatin P Shah has the one of a kind qualification of performing all IVF assignments including Ultrasonography, Oocyte Retrieval Surgery, IVF Embryology, and Embryo Transfer personally which reflects in the extraordinarily high achievement rates. He has a fantastic track record for accomplishing pregnancies in ladies in their late 40's and 50's, the most seasoned being a 57-year-elderly person. He has additionally been awarded numerous gold decorations and prestigious awards.

He received gold decorations during his ICSE, DGO, MD (Obstetrics and Gynecology) for exceeding expectations his examinations at the state and national dimensions. He was additionally in the media for effective IVF of twin girls born to Manisha and Milind Mhaiskar, a very acclaimed bureaucrat couple of Maharashtra. He is presently the Managing Director of Mumbai Fertility Clinic and IVF Center.

Mumbai Fertility Clinic and IVF Center is a notable infertility emergency clinic in Grant Road, Mumbai. The center performs progressed IVF and ICSI procedures in a comfortable, relaxed and lovely atmosphere. The center executes the most trend setting innovation and laboratory offices at par with international quality standards. The center has helped a large number of couples to consider with IVF related innovations over the previous 25 years.

Dr. Sapna Khare

Dr. Sapna Khare is a Gynecologist and Obstetrician, practicing currently in Goregaon, Mumbai. She has finished her MBBS from GRMC, Gwalior through All India Seat. She has completed her DNB in Gynecology and Obstetrics from Bokaro General Hospital. She likewise worked as Assistant Professor in Index Medical College Hospital and Research Center, Indore (MP). She has worked in Surya Child Care Hospital, Santacruz and as Associate Gynecologist in Masrani Hospital For Women and MIMAS in Andheri West.

She has an uncommon interest in High-Risk Obstetrics and Infertility Treatment. She provides total Ante-Natal and Post-Natal care. She advocates Normal Vaginal Deliveries and gives concentrated and comprehensive care through out the labor to her patients.Dr. Sapna Khare is a gynecologist and obstetrician finished her MBBS from GRMC Gwalior College, 2008. MD From Obstetrics and Gynecology - Bokaro General Hospital in the year 2014. She provides treatment services like Infertility Evaluation, Normal Vaginal Delivery (NVD), Fertility Treatment, and High Risk Pregnancy Care. She Has Awarded by Author of AIIMS MedEasy Book, Author of Kalam Book in 2017, 2015. Dr. Sapna Khare is practicing her expertise at Vivanta Hospital, Malad West Mumbai.

Dr. Mohit R Saraogi

Dr. Mohit Saraogi remains as a standout amongst the best fertility doctors in Mumbai. Dr. Mohit Saraogi is an infertility expert who spotlights on treating ladies and couples who are experiencing difficulty considering their child. He has gathered experience of more than 10 years in the field of infertility with IVF, ICSI, and surrogacy being his expertise. His great learning and experience in the field of fertility treatment made him a standout amongst the best IVF pros in Mumbai.

Dr. Mohit Saraogi finished his MBBS, MNAMS, MD and later exceeded expectations in association tests of ICOG in reproductive drug. After finishing his essential medicinal capability he moved toward becoming accomplished Fellow of College of Physicians and Surgeons from Seth G.S. Restorative College and King Edward Memorial Hospital, Mumbai. He likewise accomplished the Membership of Royal College of Obstetricians and Gynecologists from King Edward Memorial Hospital and Seth Gordhandas Sunderdas Medical College in 2010. He underwent training from the great group of doctors of JJ emergency clinic and later turned into the Former Assistant Professor.

He was additionally connected with reputed medical clinics in the state like K.E.M. Medical clinic and Genesis Fertility Clinic. Dr. Mohit R is additionally a Gold Medalist in both DGO and FCPS Post Graduate Exams In 2010. He received the Best IVF Specialist in 2019 and Patients Satisfaction and Excellence Award in 2018 at Ela Fertility Awards. He is likewise notable for his 8 distributions in international ordered journals and 5 productions in national journals. He has treated a large number of patients till date with a high rate of progress. He is registered in 2009030599 of Maharashtra Medical Council, 2009. Dr. Mohit is presently the Director of Saraogi Hospital and IRIS IVF Center. He additionally every so often visits Cloudnine Hospital at Malad West, Mumbai.

Saraogi Hospital and IRIS IVF Center is one of the best facilities for IVF in Mumbai. The center is known for providing total gynecological, endoscopic, obstetric and infertility treatments. Every one of the services are provided under one roof as the clinic has an immense office outfitted with best in class innovation.

Dr. Yashodhara Mhatre

As Someone who has overcome Fertility issues herself, she understands the emotions and agony of the infertile couples, who come to her.Humble, mild-mannered, delicate and appropriately a Fertility Physician, Dr Yashodhara, started various remarkable models for fertility treatments like, Zoi Fertility, Egg Donor India, Egg Freezing, SurrogacyIndia, and helped more than 800 couples from India and 2000 from everywhere throughout the World.She is a Gold Medalist, and received her Fertility Fellowship trainings in Singapore, Australia and Turkey.

Dr. Yashodhara Mhatre is among the best IVF and Infertility Specialists situated in Mumbai. She not just has the requisite information to address a diverse arrangement of wellbeing afflictions and conditions yet in addition to prevent them. She is had practical experience in IVF, IUI, ICSI, Fertility Evaluation, Frozen Embryo Transfers, Blastocyst Transfer, Egg Freezing, Male Fertility Treatments and Surrogacy. She is proficient in distinguishing, diagnosing and treating the various reproductive medical problems and problems related to the medicinal field. She finished her MBBS, MD and DGO from GS Medical College, Mumbai with top ranking results. She picked IVF as her area of specialization and earned her Fellowship in Reproductive Medicine from KKH, Singapore, 1999, IVF Observer in Adelaide IVF Australia in 1999 and Fellowship in IVF and Andrology at Antalya IVF Center, Turkey in 2006.

Dr. Yashodhara Mhatre is a very qualified infertility master and a member of the Clinical Fellow in Reproductive Medicine, Federation of Obstetrics and Gynecology Society of India (FOGSI) and Indian Society of Assisted Reproduction (ISAR). During the early days of her career, she received a couple of awards and recognition for her remarkable work in the field.

Dr. Sheetal Sawankar

Dr. Sheetal Sawankar is a Gynecology and Fertility expert in Juhu, Mumbai. She is had practical experience in Assisted Reproductive Technology (ART) including Frozen Embryo Transfer (FET), Intrauterine Insemination (IUI) and In Vitro Fertilization (IVF). She is likewise an expert in Minimally Invasive Surgeries, for example, Testicular/Epididymal Sperm Aspiration(TESA), Micro Epididymal Sperm Aspiration(MESA), Endoscopic Surgery.

She achieved her MBBS degree and pursued Master in Surgery(MS) in Reproductive Medicine. She finished her MS from Homerton University Hospital Foundation Trust from London, UK in 2010. Being a brilliant understudy, Dr. Sheetal Sawankar chose to do Diplomate of National Board(DNB) from International School of Medicine in Keil, Germany. She was a very enthusiastic and committed understudy which helped her become a Member of the National Academy of Medical Sciences(MNAMS) and Indian Medical Association (IMA). During her early years of practice, she received a membership award from Fellowship in Advanced Infertility and ART.

Dr. Mukesh Agrawal

Dr. Mukesh Agrawal finished his graduation from Seth GS Medical College and K.E.M Hospital Mumbai. After acquiring the necessary abilities in fertility the board at UK and Singapore he started his first venture New Hope Fertility and IVF Center route in 1998. He is credited to achieve the first fruitful IVF pregnancy of the western suburbs.

Apart from regularly refreshing his insight by going to national and international conferences, he has directed numerous CME and workshops of IUI, IVF training. He has been welcomed workforce in numerous conferences and discussions.Dr. Mukesh Agrawal is a skilled doctor in Mira Road East, Mumbai with immense expertise in infertility treatments. The doctor has the requisite learning and expertise in Intra-Uterine Insemination (IUI), IVF/ICSI, Male Infertility, Donor Egg/Embryo/Sperm, Test Tube Baby, Endoscopy, Surrogacy, Embryo Reduction and Blastocyst Transfer. She accomplished degrees in MBBS and MD in Obstetrics and Gynecology from the top universities in the country with phenomenal results. He pursued his trainings further and finished DNB in Obstetrics and Gynecology under Diploma National Board in1991. He additionally achieved a degree in DGO from College of Physicians and Surgeons Mumbai in 1990. Apart from regularly refreshing his insight by going to national and international conferences, he has led numerous CME and workshops of IUI, IVF training. He has been welcomed personnel in numerous conferences and talks.

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[fnewstoday]

Guide To Building Up A Good Credit For College Students

Building a good credit is essential for a prosperous financial future. To buy a house or make other large purchases you will need a good credit. To borrowers with a high credit score, lenders approve loans willing to provide more favorable credit conditions. When you are a college student, you are only at the beginning of this path, or you do not have a credit history at all. In the latter case, you are one of almost 15% of Americans who do not have a credit rating, most of whom are young people. If you are still young, then it may seem like you have a lot of time, but building a good credit is not a matter of one day, since one of the parameters affecting is the length of a successful credit history. To understand how to build great credit for a college student, read this credit building guide. Why do you need a credit rating? A credit rating is an assessment of the credit behavior of each borrower, which helps lenders to determine the degree of risk, when considering an application from borrowers. It is expressed in numbers in the form of credit points. Credit scores are added or subtracted depending on the length of the credit history, the timely payment, the total amount of debt, the number of loans, the balance of credit cards and other variables. The range of credit scores vary from 300 to 850 points. The greater the number, the better credit, the less risky borrower you will be considered, the better conditions lenders will be able to offer. How a college student can build a credit College time is great for laying the foundations of your successful financial future with excellent opportunities. To do this, you do not have to specifically break away from the educational process or fun student life after class.

ways-to-build-a-good-credit-rating We suggest that you familiarize yourself with several ways to build a good credit rating that are available to college students. Choose the right loans Most college students need financial support during their studies, so two thirds of those who graduated from college in the US took a student loans. It is worth paying attention to federal interest-free loans for students. Taking such a loan, you do not have to pay interest, which will greatly facilitate your loan repayment and reduce the likelihood of delaying payments. Timely and fully fulfilling your credit obligations during several years of study will have a great positive effect on your credit rating. This can be a great start for you. Authorized user of credit card You can become the credit card authorized user of your parents or other family members who are responsible for their finances and want to help you. As an Authorized User, you will receive an addition to your credit scores, as well as the main owner of the credit card you are signed up to, providing you both to make payments in a timely manner. Get a credit card Credit cards are a great tool for building your credit. They have many additional benefits, rewards and various bonuses. But many people do not know how to hold back during shopping and they strive to spend significantly, than they can afford. This behavior leads to cost overruns, an increase in balance and the inability to repay the debt on time. In addition to increasing debt, this entails a decrease in credit score. It is therefore worth getting a credit card when you are sure that you can control the flow of money. Pay bills on time The way you pay most of your regular monthly bills is taken into account by credit bureaus when assigning points to you. Therefore, a responsible attitude towards all of your obligations, not just credit, will affect your credit rating. Cultivate the right credit behavior When you get into the habit of paying your bills on time, avoiding late payments on loans, maintaining a small balance on credit cards, you will lay a solid foundation for a great loan. It is also worth considering that opening a large number of credit cards negatively affects your credit score, so you should not run several new cards at once. Also you should not close old credit cards, because this will make your credit history shorter. Do not act as loan co-signer for your friends For people with insufficient credit score or an absent credit history, a co-signer may be needed to obtain a loan. You may want to help your friends, but by acting as a co-signer, you risk your credit, which is still not too strong. If your friend for whom you vouched does not pay his loan on time, this will immediately affect your credit score. Check out the result of your credit behavior You can request a free credit report from one of the US credit bureaus, according to federal law. Also, some services and credit cards can inform you about changes in your credit score for free, which is very convenient for tracking the status of your credit. This will help not to miss anything important that may occur with your credit. In conclusion Now you know what options you have as a college student to build a good credit. College time is probably the best time to do this, so do not miss this great opportunity. You can search and select the most appropriate loan options to start your credit history. You can start with a credit card for a small financial support, or with a student loan. To make the right choice of financial instrument to build your credit, you can find a lot of useful information in our financial blog. You can also apply for a loan on our website and get offers immediately from different lenders. If you have any questions regarding the choice of a specific proposal, you can write to us and get advice from our experts. Read the full article

[angrycollectordaze-me-blog]

作业代写：Silicon valley Banks in the United States

下面为大家整理一篇优秀的assignment代写范文- Silicon valley Banks in the United States，供大家参考学习，这篇论文讨论了美国的硅谷银行。近年来，美国信息产业的高速发展，得益于美国硅谷银行的特殊金融扶持政策。硅谷银行作为创业银行的���功范例，应归功于清晰的定位和创新业务的发展。从硅谷银行的服务对象定位上，可以清楚地看到它创业银行的鲜明特点。硅谷银行业务模式创新包括投入方式的创新。硅谷银行突破了债权式投资和股权式投资的限制。而后银行将资金以借贷的形式投入创业企业之中。采用股权投资时，硅谷银行与创业企业签订协议，收取股权或认购股权以便在退出中获利。

China's high-tech industry, especially the development of information industry, benefits from the special financial support policies of silicon valley Banks in the United States. Let's briefly review the role of the bank's special strategy. Silicon valley bank was founded in 1983 by commercial Banks with a registered capital of just $5m. For the first 10 years of operation, its financial products were loans and savings only, and its customers were mainly silicon valley technology companies, real estate developers and medium-sized commercial institutions, just like ordinary commercial Banks.

1993 is an important transition period for silicon valley bank and a critical period for its successful transformation from a traditional commercial bank to a start-up bank. In 1993, at a time when silicon valley's high-tech industry was booming, there were 350 Banks in the valley, including bank of America, BNP paribas and standard chartered. But the big Banks tend to focus their services on the big firms, rather than on the smaller tech firms. The name "bank of silicon valley" sets the stage for its innovative business strategy -- "bank of silicon valley" is the company that serves silicon valley, should be the one that provides financial services for innovation and risk-taking.

John Dean, the bank's chief executive at the time, decided to bypass the branches of big Banks and target his own market for small and medium-sized businesses that were new, were growing faster and deemed too risky by other Banks to offer services. All of these companies are backed by venture capital but have yet to list on the stock market. At the same time, silicon valley's banking operations have spread across the country, "where the center of technological innovation is, we are." John Dean came up with such a catchy slogan.

The bank's revamped strategy has been a boon to silicon valley tech companies that were struggling, undercapitalized and short of credit at the time. Since 1993, the average return on assets of silicon valley Banks has been 17.5%, compared with around 12.5% for American Banks over the same period. That makes it in 10 years, become the emerging technology companies in the market one of the most status of commercial Banks, published in the American bankers "100 medium-sized Banks in the country's biggest companies league table", the silicon valley bank, with its high returns and earnings per share growth, maintained its three years from 1998 to 2000, comprehensive evaluation first.

The orientation and development of the banking business in silicon valley silicon valley bank as a successful example of venture banking should be attributed to the clear orientation and the development of innovative business. From the orientation of service object of silicon valley bank, it can be seen clearly the distinct characteristic of its start-up bank. After 1993, silicon valley bank targeted at three types of smes:

Small and medium-sized enterprises in star-up and EXPANSION do not have large scale and investment capital.

Small and medium-sized enterprises in information and electronic technology industry, software and network service industry and biological science industry.

It has to be the small and medium-sized enterprises that are backed by venture capital and looking for more venture capital firms to partner with.

Silicon valley banking business model innovation silicon valley banking business model innovation mainly includes the innovation of input methods. First, silicon valley Banks broke the limits of debt and equity. In the case of debt investments, silicon valley Banks typically extract some of their clients' funds. Although the bulk of venture capital funding comes from bond and stock sales, silicon valley Banks use some of their clients' funds as capital to reduce the amount of capital raised and the cost of raising it. Banks then lend money to start-ups. Since silicon valley Banks serve innovative enterprises in the initial stage, most of them are in urgent need of capital support, so they are not very sensitive to the loan interest rate. In general, silicon valley Banks are 1 to 1.5 percentage points higher than other commercial Banks in the loan interest rate. And 30% of the money that companies receive from venture capital firms is deposited in the bank on demand, with fairly low interest rates. By taking advantage of large differences in the interest rates paid on deposits and loans, silicon valley Banks were able to earn higher rates than the average bank. For example, silicon valley bank chose Quintessent communication company in the information and electronic technology industry as its client and venture investment object. It adopted creditor's right investment, loaned to the company at a high rate of loan interest as the cost of risk, assisted its development through consultation and as a kind of regulation of its investment.

When adopting equity investments, silicon valley Banks enter into agreements with startups to take equity or subscribe for equity in order to profit from an exit. For example, when a silicon valley bank made a start-up investment in a biotech company, the Neurogenetics Corporation, it took an equity investment. Besides, I worked closely with Advent nternational venture capital company to strengthen the supervision of the company, provide consulting and banking services, and find more investors for the company. It is worth mentioning that silicon valley Banks are in the investment.

Borrow money to start a business, charging a higher rate than the market for general lending, and striking a deal with the business to get a share or a subscription. The purpose of this approach is to increase returns and reduce risks. Through the investment way of reasonable utilization, until June 30, 2003, silicon valley bank has 1770 subscribed shares, involving 1316 enterprises to invest in item 239 of venture capital, has 10 years of average return on capital investment was 14. 8%, especially in 1999 and 2000 respectively, 21. 9% and 33. 3%, 2000 stock option income reached $100 million. However, due to the slow growth of the us economy, the return on capital investment declined in 2001 to 17.8 per cent. However, it is fair to say that silicon valley Banks have been relatively successful in comparing the returns on investment across the entire unlisted equity market.

Silicon valley Banks blur the line between direct and indirect investment. "Direct" investment means that silicon valley Banks invest money directly into start-ups, without going through venture capital firms. When returns are generated, they are handed directly to the bank by the start-up. "Indirect" investment refers to the silicon valley bank's investment in the venture capital company, which is invested by the venture capital company, and returns to the bank by the venture capital company, among which the venture company will not have investment contact with the bank.

A close partnership with venture capital firms has been one of silicon valley's most important strategies. The silicon valley bank also provides direct banking services to both venture capital firms and venture capital firms, often with branches near them. The bank is also a shareholder or partner in more than 200 venture capital funds, building a stronger foundation for collaboration. In addition, the bank of silicon valley has set up an advisory committee on venture capital investment. These efforts have led to a network of silicon valley Banks and venture capital investors that can share information and collaborate more deeply.

The risk control and exit method of silicon valley bank is faced with the risk of start-up enterprises that commercial Banks do not like to talk about. How does the silicon valley bank control the risk? The prudent investment choice makes the silicon valley bank have a good start, the reasonable capital allocation makes the silicon valley bank has the sufficient profit prospect, the multi-directional risk control guarantees the silicon valley bank reduces the risk. Silicon valley Banks mainly adopt the following risk control methods:

The so-called risk isolation is that silicon valley Banks separate venture capital from general business. The venture capital funds of silicon valley Banks mainly come from stock market raising, and a few of them come from fund projects. They do not withdraw funds from general business, and general business is not diverted from venture capital funds, thus avoiding the corresponding risk impact. The bank has also set up two companies to manage the venture capital fund, further ensuring the normal operation of venture capital and risk isolation from the general business.

One is to invest in projects in different industries, implementing the portfolio. The second is the portfolio of projects at different stages. The third is the portfolio of projects with different risk levels. Fourth, the investment portfolio of projects in different regions and Spaces.

The silicon valley bank's investment is premised on companies backed by venture capital and looking for more venture capital firms to partner with, which is undoubtedly a manifestation of joint investment.

Silicon valley Banks, which mainly invest in the high-tech and biopharmaceutical industries, have made start-ups their own customers, offering services and expert advice after putting in the money. The proper use of these methods guarantees the return of capital and profits of silicon valley Banks. For nearly 100 years, 97.5 percent of U.S. bank failures were due to loan losses. Over the past 20 years, silicon valley Banks have lost less than 1% a year. As a commercial venture bank, it can achieve such achievements, which to some extent indicates that the implementation of risk control measures of silicon valley Banks is relatively good.

There are also innovations in the way silicon valley Banks exit. Silicon valley Banks mainly use public listing methods to exit venture capital investment. It takes equity, sells the startup after it goes public, makes a profit, and makes other investments. In the case of unlisted startups, silicon valley Banks are also using acquisitions to exit. There are two main methods of acquisition: merger, also known as general acquisition. Second, other venture capital investment, also known as phase ii acquisition. Venture capital has spawned a large number of new varieties, gradually from the traditional venture capital to the emerging venture investment transition.

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[joffemd]

Florida Shootings Require Cultural & Mindset Changes

Our failure to prevent the Florida school shooting illustrates a pervasive problem in modern societies: we often have access to ample warning signs but all-too-frequently fail to leverage this information to avoid disaster. The issue not only impacts law enforcement agencies, but our financial institutions as well. To more effectively handle all the intelligence available to them, organizations will require major structural and cultural change. 

The FBI and local law enforcement reportedly had more than enough information to legally disarm and detain confessed school shooter Nikolas Cruz before he killed 17 people at Parkland High on February 14. This is not the first such intelligence failure, and won’t be the last. Consider these examples:

9/11 could have been prevented had the CIA and FBI done a better job of sharing and handling intelligence.

Russian intelligence warned the FBI about Tamerlan Tsarnaev long before he carried out the Boston Marathon bombing.

In France, authorities failed to act on multiple clues that would have enabled them to prevent the Paris bombings that claimed 130 lives in November 2015. 

In the financial industry, rating agencies and bank risk management teams failed to act in their or their clients’ best interests when they continued to create and sell residential mortgage-backed securities, despite the deterioration in mortgage lending standards, and the increasing and disturbing amount of mortgage fraud being reported by the FBI in its annual mortgage fraud reports. A well-operating risk-management function, with a voice, would most likely have limited the potential for the cultural failures seen at the Royal Bank of Scotland, as detailed in the recently published report commissioned by the Financial Conduct Authority. The extraordinary activities of the gung-ho Global Restructuring Group at RBS in London could immediately have been stymied, as they posed reputational and business risks far outweighing the group's short-term revenue-generating interests. As the report explains: 

“GRG enjoyed an unusual independence of action for a customer-facing unit of a major bank. It saw the delivery of its own narrow commercial objectives as paramount: objectives that focused on the income GRG could generate from the charges it levied on distressed customers. In pursuing these objectives, GRG failed to take adequate account of the interests of the customers it handled and, indeed, of its own stated objective to support the turnaround of potentially viable customers.” 

These assorted failures suggest that we have a systemic problem with risk monitoring, or a failure to incorporate it appropriately within institutions. And because the problem is systemic it won’t be solved by firing a few bad apples. Instead, we need to understand and address the root cause. 

One feasible argument is that jobs involving risk monitoring and mitigation generally come with a relatively low social status and thus do not necessarily attract the most motivated applicants. This phenomenon is epitomized by our (often unfair) stereotype of security guards: that they are ineffective and prone to sleeping on the job. Because security jobs are low paying, they don’t often attract type “A” individuals. The job itself is quite boring: most of the time nothing happens. While a more proactive security guard could find and act upon many clues during the course of his or her day, almost all of the extra effort will be for naught. At least 99 times out of 100 that suspicious backpack won’t contain an explosive device. 

Although bank risk managers and FBI call handlers undoubtedly have higher social status than security guards, they are most likely to be subordinated within their organizations. At a bank, monitoring credit risk is much less glamorous and lucrative than acquiring or merging companies, underwriting deals or trading securities. And, as with the case of the seemingly suspicious backpack, most clues won’t lead anywhere anyway: for every legitimate call law enforcement departments receive there are many that lead nowhere; a missed charge card payment, similarly, often doesn’t presage a mortgage foreclosure. 

Ideally, we should elevate the status of risk monitoring jobs and make them more exciting. More attention from senior management may help. Although most money-center banks took massive losses during the financial crisis, Goldman Sachs came out relatively unscathed. A major reason is that the bank’s Chief Financial Officer reviewed daily risk management reports and held a meeting in his office to call for immediate action once its was detected that mortgage backed securities had begun to underperform in 2006. Goldman is also an exceptional case in that it rotated fast-track talent between moneymaking and risk management roles, and it empowered risk management staff to veto certain trading activities. 

Although more high-level attention might help those charged with receiving and sifting through raw intelligence, the job is still a tedious one – akin to looking for a needle in a haystack. 

Conviction Dilemma 

In addition to the possibility that risk monitoring personnel are as a group less motivated, risk personnel tend to be a more introverted type than their front-desk colleagues. This may manifest in their being apprehensive when expressing themselves to their comparatively more aggressive colleagues, and potentially come off as being indecisive or speculative.  Leaders often like a strong, definitive opinion: “hedge this risk!” and may shun or ignore a more complex opinion coming from a more cautious analyst. 

In short, the personalities hired into risk-management roles often suffer from what we will term the “conviction dilemma,” which emanates from the work of Philip Tetlock and others, who studied predictive expertise. Tetlock's research findings informed his commentary that those whose expertise was valued and sought out, for example pundits on TV shows like The McLaughlin Group, were those who had vocal, unequivocal opinions, that could be articulated with utter conviction – but were often wrong. 

Altogether, even strong and motivated risk experts may be introverted and may be indecisive when expressing themselves. Playing a function that is considered as subordinated in management’s eye, they might struggle to make convincing and resolute “do this!” arguments, and management might therefore be less likely to take them seriously, and act on them expeditiously. 

Applying Technology 

In the 21st century, we have learned to assign boring or laborious jobs to computers. We can identify potential attackers earlier by entering all the clues law enforcement receives into shared databases, and we have state-of-the-art data science tools built for analyzing this mass of information. This approach need not violate privacy: social media posts, calls from tipsters and prior arrests are all legitimately available to law enforcement today. 

Palantir is among the most prominent of companies offering software that enables intelligence agencies to find needles in the haystacks of raw data they receive. Unfortunately, Palantir is not an inexpensive solution, and may thus be beyond the budgets of smaller law enforcement agencies. 

Governments and NGOs may wish to invest in the development of free, open source data analysis. Aleph is an open source tool that can analyze large volumes of unstructured data. Although designed for investigative journalists, it could be customized for use by law enforcement of for counterparty tracking. Whether they use licensed or open-source solutions, law enforcement and intelligence agencies should establish and apply technical standards for data sharing. Because financial firms are overtly competitive, data sharing of financial intelligence may be less appropriate between competing firms, but may be more prevalent within institutions. 

Often the information needed to prevent mass killings is hiding in plain sight. By improving organizational structures and leveraging technology, financial firms and law enforcement agencies can harvest more actionable data from legally available information. Armed with this data, they can prevent certain future acts of carnage. While no single policy solution – VaR levels or gun control included – can ever guarantee endless success, we need to be thoughtful and dynamic in going about limiting the frequency or even the magnitude of these catastrophes, and we would do well to use our tools effectively in pursuing the goal not only of making money, winning clients and awards, but also of limiting the downside. --------------------- This piece was co-written by Marc Joffe, who consults for PF2, and members of PF2’s staff. For more on this topic, visit our 2016 piece on the detrimental impact of short-term thinking patterns on conduct with financial firms. Among other things, we recommend a re-thinking of the design of incentive structures: “The approach we put forward here is the studious linking of profit-sharing to successful and honest risk-taking and business practices.” Marc Joffe is a Senior Policy Analyst at the Reason Foundation and a researcher in the credit assessment field. He previously worked as a Senior Director at Moody’s Analytics. 

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Free Market Capitalism: Laughably Predictable

Source: Michael Ballanger for Streetwise Reports   10/05/2019

Sector expert Michael Ballanger offers his observations on recent market fluctuations.

On Wednesday, as the kiddies were upset over a swooning S&P, then trading a paltry 5% from the all-time high of 3,027, I tweeted out this graphic that perfectly describes my cynical view of the paper markets around the world.

What prompted me to exercise my artistic flair was that the screams were loudest in the world of social media where the Millennial Horde had leveraged Mommy's 2018 BMW Roadster convertible in order to trade S&P futures from the long side. "Cut rates!" they type-screamed using CTRL-B,U,I for emphasis; "Do the China Deal, Donald!" as margin calls came flooding into their inboxes. And as surely as the sun rises and gold gets hammered on an NFP Friday, the invisible hand reached out and rescued them with mercurial deft and timely precision. All is now right with the world, and stocks are charging back toward the highs with a 57-point turnaround in the S&P in less than two trading sessions. As I tweeted out [yesterday], it was (and is) laughingly predictable.

Now, to underscore the absurdity of this obsession with rising stock markets, take a peak at the next graphic courtesy of Bianco Research. The pink section is all bonds trading at a negative yield, while the green is what would be historically "normal"—you know, a bond that pays the holder that is taking all of the risk a positive return. Is it any wonder that money managers around the world are all flooding into stocks, when over 50% of sovereign (not corporate) bonds are penalizing their owners?

Do any of you recall the term "lender of last resort?" That term refers to the reason why sovereign bonds and bills are assigned a heavenly credit rating, which assumes that, because they own and control the power of taxation, there will always be a working population upon which governments can rely for interest coverage. Where corporations and individuals can file for bankruptcy protection in favor of the bondholder, sovereign nations enjoy the realm of privilege and are blindly obeyed until exogenous shocks to the status quo occur, which place a sovereign nation in default.

The last two countries to default on debt were Greece and Venezuela, and while Greece has had its standard of living stabilized under the shelter of the ECB (European Central Bank) umbrella, Venezuela has no such safety net and its citizens are suffering a malaise not unlike Wiemar Germany 1921–1923 or Zimbabwe post-1986. Now look at this list of countries on "credit default watch," as measured by spreads on credit default swaps.

Ukraine

Pakistan

Egypt

Brazil

South Africa

Russia

Portugal

Kazakhstan

Turkey

Vietnam

Around the turn of the century, there was an acronym that combined four countries believed to be global growth drivers for the new millennium, then known as BRIC (Brazil, Russia, India and China). They were the darlings of the Wall Street analytical community for years until quite recently. For reasons beyond all logic, two out of four of them are now on the "watch list" (Brazil and Russia), with China's current trade war with the West and its suspect shadow banking system making them a soon-to-be-added member. South Africa used to be one of the most dependable and credit-worthy countries on the planet until a socialist thug took over (sharing a common history with Venezuela), and Brazil was once lauded and applauded for its thriving mining and agricultural foundations. Even Germany, the industrial and political backbone of the ECB, has not one bond or bill yielding positive returns.

I submit to you, my friends, that the malaise to which I refer, starting with the blatant control of all markets (bonds, stocks, Forex and commodities) by government interference is symptomatic of the accelerating early stages of a massive global debt disease. You have read my thoughts on "mistrust"; now you actually can quantify it in the chart shown above. Those negative yields are a wailing air-raid siren, just like 1941 London, and the 2019 version of the Luftwaffe is debt, pure and simple.

The best and only real defense against a debt implosion is to have your wealth held outside of the traditional banking system, because as we have seen in the countries over time that have defaulted, governments, aided and abetted by their police and armed forces, think nothing of confiscating your wealth "for the common good," meaning, for their "job security." They cannot confiscate that which they don't see, which is precisely why they are jamming the notion of a "cashless society" down your throat. However, this is a very well-trodden path of discussion and debate that you have all heard and read before, so I shall move along.

Nothing new to be seen here:

The gold miners, as represented by the HUI (ARCA Gold Bugs Index), have treated me very well thus far in 2019, and while I lament the early exit from the leveraged ETFs (NUGT/JNUG), I did make decent money on both. But where I made "the cut" was on the exits of GDX, GDXJ, GBR.V., and the SLV calls, all in that topping window from Aug. 28 until Sept. 5.

The hate mail I received was nothing short of profane, and in some cases threatening. While I looked on dispassionately, I dumped all of my precious metals paper holdings while retaining all physical positions in gold and silver. I have now started accumulating from the long side of the paper markets (miner ETFs), and have initiated a small position in the SLV December $18 calls, with two purchases in the past two weeks at $0.23 and $0.47, for an average price of $0.35. I look for a retest of the $18.35 high before year-end. As I stated a few missives ago, I feel far more comfortable owning these positions, with small losses or break-evens, than being on the sidelines with a pile of rotting cash, just sitting there in the full envious view of bankers and government bureaucrats.

As to gold and silver, my only point of concern is the gap shown above in the HUI chart. There is an old saw —all gaps must be closed—and whether or not this one proves to be true shall remain to be seen. I have chosen to disregard it because the cause of the gap was a runaway up-thrust in gold after the $1,375/ounce breakout. Like so many other "rules" that gold and silver have tossed aside since June, I am aware of the gap but simply not acting upon it.

As I am writing this on Friday morning due to an afternoon engagement, I will not be able to comment on the COT until Monday. But suffice it to say that I expect a massive reduction in the aggregate shorts in gold held by Commercials, offset by a similar reduction in longs held by Large Speculators. Watching the plunge in open interest and the sudden and very mysterious halt in the declines of the precious metals, it is eerily reminiscent of the same "mysterious" action when it topped on Sept. 4. It is the Commercial Cretins at work doing exactly what they have been doing for ages because it is obvious that the RICO action brought against JP Morgan has done squat to deter their criminal behaviors.

I urge you all to follow me on Twitter (@Miningjunkie ) in order to get all of the intraday musings (and trading suggestions) that pertain to this abomination called the stock "market." The month of October is hard upon us and as the intraday events happen too fast for e-mail, Twitter notifies followers of opportunities within seconds. In this world of algobots and managed prices, speed is a tactical advantage and Twitter is one application that delivers.

Follow Michael Ballanger on Twitter @MiningJunkie.

Originally trained during the inflationary 1970s, Michael Ballanger is a graduate of Saint Louis University where he earned a Bachelor of Science in finance and a Bachelor of Art in marketing before completing post-graduate work at the Wharton School of Finance. With more than 30 years of experience as a junior mining and exploration specialist, as well as a solid background in corporate finance, Ballanger's adherence to the concept of "Hard Assets" allows him to focus the practice on selecting opportunities in the global resource sector with emphasis on the precious metals exploration and development sector. Ballanger takes great pleasure in visiting mineral properties around the globe in the never-ending hunt for early-stage opportunities.

Sign up for our FREE newsletter at: www.streetwisereports.com/get-news

Disclosure: 1) Statements and opinions expressed are the opinions of Michael Ballanger and not of Streetwise Reports or its officers. Michael Ballanger is wholly responsible for the validity of the statements. Streetwise Reports was not involved in any aspect of the article preparation. Michael Ballanger was not paid by Streetwise Reports LLC for this article. Streetwise Reports was not paid by the author to publish or syndicate this article. 2) This article does not constitute investment advice. Each reader is encouraged to consult with his or her individual financial professional and any action a reader takes as a result of information presented here is his or her own responsibility. By opening this page, each reader accepts and agrees to Streetwise Reports' terms of use and full legal disclaimer. This article is not a solicitation for investment. Streetwise Reports does not render general or specific investment advice and the information on Streetwise Reports should not be considered a recommendation to buy or sell any security. Streetwise Reports does not endorse or recommend the business, products, services or securities of any company mentioned on Streetwise Reports. 3) From time to time, Streetwise Reports LLC and its directors, officers, employees or members of their families, as well as persons interviewed for articles and interviews on the site, may have a long or short position in securities mentioned. Directors, officers, employees or members of their immediate families are prohibited from making purchases and/or sales of those securities in the open market or otherwise from the time of the interview or the decision to write an article until three business days after the publication of the interview or article. The foregoing prohibition does not apply to articles that in substance only restate previously published company releases.

Charts provided by the author.

Michael Ballanger Disclaimer: This letter makes no guarantee or warranty on the accuracy or completeness of the data provided. Nothing contained herein is intended or shall be deemed to be investment advice, implied or otherwise. This letter represents my views and replicates trades that I am making but nothing more than that. Always consult your registered advisor to assist you with your investments. I accept no liability for any loss arising from the use of the data contained on this letter. Options and junior mining stocks contain a high level of risk that may result in the loss of part or all invested capital and therefore are suitable for experienced and professional investors and traders only. One should be familiar with the risks involved in junior mining and options trading and we recommend consulting a financial adviser if you feel you do not understand the risks involved.

from The Gold Report - Streetwise Exclusive Articles Full Text https://ift.tt/2AOxkmo

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Foundations Interest Rate Credit Risk Assignment Homework Help

Interest Rate Risk is the risk that arises for bond owners from fluctuating interest rates. How much interest rate risk a bond has depends on how sensitive its price is to interest rate changes in the market. The sensitivity depends on two things, the bond's time to maturity, and the coupon rate of the bond. Interest rates vary widely. We at StatisticsOnlineAssignmentHelp.com feel glad to provide help to the students in need through various means. Interest Rate Risk Assignments & Project are usually confound and complex, and requires a deep understanding of the Foundations Interest Rate Credit Risk subject knowledge. Experts at StatisticsOnlineAssignmentHelp.com toil to guide the students in the Interest Rate Risk help in lucid, comprehensible & explicit way.

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The Grim Upward Trajectory of Mobile Fraud Risks

Brick Upward -and-mortar retail’s Fraud downward spiral  Ricks seems to

be accelerating. Extra than eight, six hundred retail places will close down this 12 months, following the five,077 that closed remaining yr, based totally on facts from Credit Suisse. Furthermore, 2017 may want to surpass 2008 — the worst yr for retail closures on file — when 6,163 stores close down operations.

But, not like 2008, when typical client spending declined with the onset of a global recession — the worst economic downturn since the give up of global War II — latest keep killer I an on-line trade, substantially sales made on mobile gadgets.

Through 2019, Greater than 60 percent of on-line retail sales could be made thru mobile gadgets, which offer remarkable convenience for consumers, in accordance to research company Riskified. Yet with the capacity rewards come ability dangers.

mobile Fraud

mobile orders for digital goods, together with plane tickets and on-line present cards, are four instances as probable to be fraudulent as orders for bodily items, the Riskified record suggests. Further, mobile transactions in amounts extra than US$1,000 are three times much more likely to be fraudulent than those really worth less than $two hundred.

By evaluation, ninety-six percentage of cellular orders inside the decrease rate bracket are in all likelihood to be legitimate, the take a look at finding, in comparison to ninety-one percent accomplished on traditional computer systems or laptops.

“Dealers need to recognize that cellular purchases are very exclusive from traditional e-commerce purchases,” warned Emilie Gunzweig, the senior fraud analyst at Riskified.

“Recognizing that an order changed into positioned from a cell device is a critical information factor that has to be considered in comparing the order,” he told the E-commerce instances.

Merchants that have an excessive volume of cell-primarily based sales “must do not forget using the Deal with Verification System and require the three-digit CVV wide variety whilst take price thru debit or Credit card,” cautioned Lee Munson, protection researcher at Compare tech.

Yet it is crucial to have a look at the entire photograph of a cell e-trade transaction and recollect the source, referred to Riskified’s Gunzweig.

“An AVS mismatch from a desktop may be the reason for a problem, but on the cell, it’s not as much of a crimson flag,” he explained.

“Fraud charges for AVS mismatches on a cell are nearly the precise equal as a full AVS fit,” Gunzweig continued, “and this makes sense, as AVS mismatches can be for a motive as easy as a typo — huge fingers the use of a small keyboard.”

Time and volume

What’s being sold — and whilst — may be elements that should assist shops to identify ability fraudulent transactions, at least to a point. If a buy is for an uncommon quantity of objects that must increase a pink flag, and purchases made inside the wee hours should be scrutinized as properly.

“Take an of goods ordered: Single-object orders are volatile from a computing device, however, more secure on mobile, because while customers ordering from domestic regularly make the most of the shipping charges By way of ordering a couple of gadgets, mobile consumers are possibly in a unique body of mind,” cited Gunzweig.

“A cellular shopper is much more likely to view a buy as a spontaneous buy, in order that they are not as worried about a massive order, and shopping for with one click thru a cell app makes this even less difficult,” he brought.

But, there are a few different ability fraud signs, inclusive of the fact that cellular fraudsters tend to be night time owls.

“They like to buy massive-ticket gadgets, and that they love digital items,” warned Gunzweig. “If an order comes thru at 2:00 a.M. For an highly-priced virtual present card, think two times.”

Strong Basis

Just as brick-and-mortar locations need to have security in the region to reduce shrinkage, e-commerce websites want to undertake practices to make certain that their digital shops have Strong safety foundations.

“In terms of making online bills, there may be always a detail of hazard involved, however happily large and More official businesses have suitable security features in the vicinity,” Comparitech’s Munson advised the E-trade instances.

“shops and different Dealers need to provide a relaxed internet site or market, covered By SSL certificates,” he introduced.

Extra importantly, all person statistics used or accrued should be hashed and salted to make sure the encryption can’t be damaged, Munson cautioned.

“Adherence to the fee Card Enterprise facts safety Standard (PCI DSS), if not required Via law, should be accompanied anyway as an exceptional exercise,” he said.

Which means sites ought to require consumer passwords which can be lengthy and complex, and also make use of two-element authentication.

Upward Delegation – How Good Managers Avoid This Common Problem

  As a newly promoted manager, Bob listened intently to Mary, one of his direct reports. She had found a software package that could make their department more efficient. Bob took the information from Mary and he then dug into more research and analysis. He had mixed feelings about this task. On the one hand, his job is to help his team be successful, and if this software package can help, he should look into it. On the other hand, as a new manager, his plate was already full, and he resented the fact that Mary had dumped this additional work on him.

Bob is a victim of Upward Delegation. That’s the tendency of work to float upward to the highest level that will accept it. There are several downsides to Upward Delegation:

1. Team members don’t develop skills.

2. Managers spend their time on the wrong tasks. The lower level tasks push out the higher level tasks the managers should be doing.

3. Accepting an upward delegation rewards poor performers, who intentionally push work off to their managers, and it discourages good performers, who would prefer to do challenging new assignments themselves.

Let’s look at the causes of Upward Delegation and what managers can do to avoid or correct this problem.

Cause: You have not clarified roles and responsibilities. Who is responsible for performing which tasks, making which decisions, solving which problems? When this is unclear (and this often happens with a new manager), direct reports will bring more questions to their manager. If the manager takes this as a request for help, and if the manager “helps” by taking on the task himself or herself, then Upward Delegation has just occurred.

Solution: Clarify who’s responsible for what. As a general principle, responsibility for tasks, decisions, and problem-solving should be assigned to the lowest level possible.

Cause: Your direct reports lack the skills to handle the tasks. Or, as a new manager, you might not know what skills your people have. Or you might not have the ability yourself to pass on your know-how to the team. Or you might be pressed for time and think it’s easier to do it yourself than train them.

Solution: Take the time now to understand the skill levels of your direct reports and how their skill levels match their responsibilities. Whenever there is a lack of skill, start immediately to upgrade those skills to the necessary level. Don’t let skill deficiencies faster. If the task of improving skills falls to you personally, do that now. It may be time-consuming, but until you do it, you will be doing their jobs as well as your own. Investing the time now will reward you in time saved in the future.

Cause: You like being the hero. You have always been the expert in your field. People relied on you to get the job done and solve complex problems. That’s why you got promoted. And it continues. Your direct reports continue to bring the knotty problems to you. It’s a good thing you’re here to solve the problems they can’t!

Solution: Adjust your thinking about your role. You are no longer the hero who flies in and solves the big problems. You have a different role now. The job you used to do must now be done by others. Your role is to be sure they have the skills, tools, and support to do that job successfully. When you do the job for them, you are not doing your job as manager.

Cause: You fear that the task won’t be done “right.” This is closely related to the last two cases discussed above. You are a perfectionist and you don’t have confidence in the skills of your people to do the task competently or to make good decisions. So you have to do it yourself. You get to be the expert. This is a way of validating your own self-image, but at what cost?

Solution: A combination of the suggestions above. Adjust your thinking about your role. Adjust your expectations about whether a “right” answer exists and who is capable of coming up with it. Build the capability of your team and build your confidence in their capability.

What’s a manager to do, then, when a potential upward delegation situation occurs? Let’s rewind the scenario with Bob and Mary. When Mary first brings the idea to Bob, here’s what happens.

First, Bob clarifies why Mary is bringing this to Bob and what role she would like to play in moving the idea forward. Bob says, “Mary, this is interesting. Thanks for bringing it to me. It needs more research and analysis. I’d like you to do that. What do you need from me?” Or he might say, “It need more research and analysis. What role do you want to play in doing that?”

Mary might respond in any number of ways. On the one hand, she might be ready, willing, and able to move forward with the project independently, and all she needs is the green light from Bob and maybe some guidance on the budget or similar issues. Or she might want to be heavily involved in the project but not have the skill to handle it independently; in that case, maybe she can partner with another team member or maybe she can work closely with Bob to both develop her skills and move the project forward. Or maybe she has neither the time nor interest nor skills to be involved. In the case, if Bob wants to pursue the project, he could assign someone else.

Once Bob knows Mary’s intentions, he can make a more informed decision about how to proceed. Of course, he has to consider many other factors as well, including other demands on the team’s time and resources. He always has the option of declining the project if the team has other priorities.

Putting yourself in Bob’s shoes, you also must reflect on your own needs and intentions. You may find this to be a very exciting project that you want to handle yourself. But, wait! Remember you’re now the manager! That’s no longer your job. Taking a moment to reflect on your own needs and intentions can help prevent you from making decisions based on habit and short-term goals rather than based on your long-term intentions and goals. As the manager, your intention should be to build the success of your team and also build the success of your management career. Both goals will be best served by avoiding Upward Delegation.

Ann Kruse is a Leadership Coach in the Seattle area. Her clients are successful managers and leaders who recognize the need to continuously reassess their leadership styles to meet the changing needs of their positions and their organizations. She has over 20 years of experience advising and guiding leaders in business, non-profit, and government organizations. She has worked with clients in mergers, bankruptcies, reorganizations, rapid growth situations, and changes in business direction. She helps each client create a powerful leadership style reflecting both the client’s individual driving forces and the business drivers. She can be contacted through her website at

For some years now. People of all walks of life mostly people at home have been hit by Microsoft Phone Call Scams claiming that they work for Microsoft whilst mentioning statements such as “Your license key code is incorrect” or “Your Windows Computer needs to be updated”. Whilst these statements may be a reality. It is also a reality that Microsoft simply does not call up anyone who is running a Microsoft license about this kind of thing.

When Microsoft Callers call, what shall I do?

1. They will ask you to press some keys. Why? To give them access to your system where they will be capable of doing anything. DO NOT PRESS ANY KEYS that they request or anything that will supply them authority over your computer.

2. They may well sound professional. Despite their skill, don’t allow them to convince you they are genuine. They are not!

3. If they do happen to take over your computer, they will without a doubt mention that you have outdated software, your key needs updating or you have a virus. The trick is that the Microsoft Phone Call Scammers shall appear very intelligent tapping away on your system convincing your mind that they know their stuff and what they are talking about. Absolutely do not allow them to convince you.

4. Put the phone down as soon as possible. As soon as they mention the words “I am calling from Microsoft”.

5. It is always a good idea to get your computer checked by a Technician and especially when a Microsoft Phone Call scammer has successfully accessed your computer.

It seems to be that the highly targeted audiences are Grandma’s or Old Age Pensioners. This is because these people are most likely to be at home at the time that Microsoft Phone Call Scammers make their calls and also are the most vulnerable generation. OAP appear to be the biggest proportion of non-IT literate users.

What do the Microsoft Phone Call Scammers Want?

If you anyway refuse, interfere or prevent them from successfully conning you into giving them what they want, Money, for “fixing your system”, making it secure or valid. They will turn downright nasty and install a system start Up password which will appear difficult for almost every average Joe out there to remove.

However, anybody can be targeted. Even a local computer place has also been targeted. They were impressed by their knowledge that almost fooled them.

This is what a local old lady had to say when she was a recent victim of a Microsoft Phone Call Scammer. “They called me early in the morning, I didn’t have any breakfast, I was all heated up and stressed. I was on the telephone to them for over 2 hours”. The Microsoft Phone Call Scammers falsely claimed, “For us to remove your virus you can either pay £120 for one year, £180 for 18 months or £220 for 2 years.” The victim said. “Eventually we hung up. However, they kept calling, “they turned downright nasty and they insisted we must take up an option”. When we refused they replied, “We will block your computer and this will affect all future computers from now”. “We panicked and then immediately turned to a local computer repair shop”.

Even if you were to pay the amount that the false Microsoft callers asked of you, this still could not guarantee that they will not hack into your computer system.

Author: Ameen Jabbar. A computer specialist in the Merseyside area where I have supported many computer problems and security issues for local users. I have a client base of more than 600 Users with a high number of returning clients. If you are a victim of a Microsoft Phone Call Scammer and you have been hacked out of your PC then feel free to visit http://www.ajcomputerspecialists.co.uk/

Risk Classification and Types of Pure Risks

  An essential hazard is a form of risk that have an effect on a massively wide variety of humans in an economy. Earthquake and warfare are the examples of these. If it is originated from nature of society, a particular act of war and unemployment risk, then it isn’t always insurable. In the meantime, Essential dangers due to bodily or herbal reasons can be insurable.

Then again, a Unique threat is a risk that has an effect on the simplest individual. As an example, fire, robberies, and thefts. Those dangers are all insurable.

Dynamic vs Static dangers also can be categorized via dynamic and static. Dynamic risk happens because of modifications in the economy that causes financial loss to certain people. It exists due to adjustment to misallocation of assets inside the economy. Nowadays, one of the clearer examples is the fast trade in statistics era industry. Many agencies had been made sufferers while others emerged as new successes.

Static danger, However, manifest even though there aren’t any changes taking place. All through market increase or fall apart, there are human beings making losses. These types of losses are due to natural perils like earthquakes, storm or moral dangers like cheats. Static danger brings no benefits to the society, handiest pure losses.

pure vs Speculative risks can also be categorized as natural or speculative. In natural threat, there may be both a possible loss or no loss. In contrast, there are possibilities of benefit or loss in speculative risk. pure chance can be insured while speculative hazard can’t. However, the natural threat outcomes of speculative hazard are insurable. For instance, selection to manufacturing a trendy product includes speculative danger, either gaining from the product or making losses. So, it isn’t always insurable. But if the manufacturing facility is burnt down through a heart and as a result, can’t deliver to the dealers, Those losses are considered as a natural hazard and therefore insurable.

There are basically three types of natural risks that challenge an individual

varieties of pure risks

Private dangers They incur losses like lack of earnings, extra charges, and devaluation of assets. There are four hazard factors affecting this:

1. Untimely death. This is dying of a breadwinner who leaves at the back of monetary duties. 2. Old age / retirement. The threat of being retired isn’t sufficient financial savings to assist retirement years. three. Fitness crisis. a person with Fitness trouble may also face ability loss of income and growth in medical costs. 4. Unemployment. Jobless man or woman may additionally have to live on their savings. If his savings is depleted, the bigger disaster is watching for.

property risks It method the possibility of damage or loss to the property owned because of some reasons. There are two forms of losses involved.

1. Direct loss because of this monetary loss as a result of property harm. 2. A consequential loss this means that financial loss due to the happenings of direct lack of the property. For example, a store lot which is burnt down may additionally incur repair prices because of the direct loss. The consequential loss is being unable to run the commercial enterprise to generate earnings.

Liability risks A person is legally at risk of his incorrect doings which reason damages to 0.33 celebration’s frame, reputation or property. He can be legally sued and the most horrible component is there is no most within the reimbursement amount in case you are discovered guilty.

Understanding how the risks are classified and the forms of pure risks a man or woman is exposed to will actually provide you with an Essential on the chance topics and put together yourself to similarly accumulate the knowledge of a way to manipulate risk. Article Source: http://EzineArticles.Com/

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Project topics for banking and finance

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Project topics for banking and finance

Project topics for banking and finance

Project topics for banking and finance are only imperfect by fancy. With the current budget disaster level, the study on the issues is endless. This investigation topic on banking and finance depends on the area of banking and finance which the student is interested in.  There is the micro-finance sector which is a major area that that increase research in the current society. Contrasts can be made amid the American and the European credit standards in Micro-finance.  

Why is there such a first growth and expansion of the global micro-finance? Contrast the micro financial constancy of investment in the United Kingdom as compared in the United States.  Many people have confidence in that in the micro-finance fields, there is a reason for partnering with the business in the community. 

Research of project topics for banking and finance

Maybe one is not in the micro-finance.  This means that they can research on investment.  The position of the adjacent bank is seen to be less significant.  Can the country side and city locations do with the small profitable and trade banking? Can we improve the efficiency in corporate and farming through commercial bank loans?

 Financing in the upcoming global market is also a project topic to be considered.  One should on whether the emerging markets are cheaper that the already developed markets.  This will bring an answer to the fiscal constancy of banks in the alien nations which are new in the financial market. 

These project areas aims in looking at the alternative investment chances, internet investment, business accountability in banking and the accounting criteria.  Listing too many topics in banking and finance can create muddle in selecting one out of them. 

One needs to pick a project theme that is applicable to their course.  Therefore, the main foundation of awareness for the research topic must be the student’s course material.  Writers should adopt these steps in order for them to select the best topic that meets the student’s course needs;

How to write project topics for banking and finance

Be flawless about the study topic need as stated by the customer.

Be vibrant about the exertion that you can put in the research assignment based on the length of the project, completion time and time and effort that the writer can use in data collection.

Review the topic in clear details to ensure that all the evidence and other contributions needed for the project will be accessible. At this point, one may reflect the client’s area of interest. 

Write the theme selected for you, along with a little explanation of its choice. Then define concisely the statistics collection and the review duty that you will need in carrying out the scheme. 

Banking and finance project topic

Banking and finance project topic is an important topic that helps students to build their careers in finance and also to those inspiring to have the commitment in getting themselves in the challenging world of the current financial analysis and practices.  These project topics programs are offered by institutions to offer students an exclusive post graduate specialization in Finance.  The researcher must understand the core things before the selection of the research and thesis topics in banking and finance project topics. 

It is seen that many students submit their work based on the research topics without having a clear understanding about the sources. This means that students must be careful while submitting their final topic.  There is a list of important topics based on banking and finance that are provided by scholarlywriters.com that helps students in the selection of thesis and research topics.  These are:

Examples of project topics of banking and finance

The outcome of non-successful loans of banks.

Risk assessment and decision making in business and industry

The influence of consciousness on the choice of short-term financing

Enterprise risk management

Check fee expense and size of the company

Causes of wealth structure in the cement industry

Project topics for banking and finance include:

THE ROLE OF MONEY MARKET IN ECONOMIC GROWTH AND DEVELOPMENT OF NIGERIA

There are several financial markets that are based on recognized preparations that ease the intermediation and assets in the economy.  The monetary market is later classified into two: the cash market and this is the sector that deals with short term funds.  The other sector is the investment market, it deals with the long term issues in loanable funds.  The aim of the topic is to show the difference among the money market and wealth market that connects between the level of items credited and sold in each of the market, and this can be additional sub-divided into the main and subordinate markets. 

Money bazaars play a big part in the management of the bank flow and that the use of the monetary policy, control of money supply and demands pull inflation and the determination of the short run interest rate.  In normal times, money markets are among the most flowing in the financial sector.  By having the important items that are used by the midway agents mostly to banks for them to bridge their financial gaps in the economy.  Therefore, the development of the money market smoothies the development of the financial connection.

Statement of the problem

The role of the financial and banking market in the development of the economy sector cannot be over stressed. A main feature of the money market is that it should be broad so as to have a large volume of transactions without any effects on the security interests or prices.  This feature needs that there are many active market participants so that the transaction of the personal investor will have seen the effects on the security prices and the interest rates.  The objective of the topic is to explore the operations and the activities of the Nigerian money market.  The main purpose is to study the contribution of the Nigerian money market to the economic growth of the country and to review the role of money market in the financial growth in Nigeria.     

BANKS FINANCING OF SMALL AND MEDIUM-SCALE ENTERPRISES

The banking financing of the small and medium scale enterprises purpose is to show the significance influence of the cash flow on financing. This also also reviews the problems that are faced by banks in financing small and medium scale enterprises. The project research reviewed the current literature such as textbooks, statements and other academic sources.  As our writers researched on the project, they noted the cash flow was a main problem of the banks in financing the SMEs. 

Management contribution in the financing of the SMEs by the banks according to the above results:

1.      The Nigerian private sector should be empowered.

2.      The current and financing liberalization and global programme of government should be highly followed. 

Why projects topics for banking and finance importance

In the current era, the manufacturing industry has slow growth than other sectors.  These manufacturing industries which contain the small and medium scale initiatives. The manufacturing sector is trusted upon for the nation’s economic empowerment for the import replacement. The project research topic show the significant influence on the financing of small and medium scale initiatives.  It also aims in reviewing the problems that are faced by banks in financing small and medium initiatives.

This leads to the fact that there is a need to finance the state of the manufacturing industries and to upsurge the funding of the SMEs by banks . But despite all these facts, our researchers are able to complete the project on time.   

Best dissertation writing services for project topics for banking and finance

Scholarlywriters.com balances superiority and competence while editing your project papers. Our professional and consistent editors’ team will  accomplish editing your research paper throughout the process. 

We have a decisive knowledge of the project paper editing key points and the format that will allow presenting the dependable and best form for your meaning idea.  Our expert writers will edit your research paper accurately and professionally and make it stand out.  We give no chance to the operational, linguistic and formatting issues.  

At scholarlywriters.com we are professional, affordable, confidential, best and reliable source dissertation writing.  Our services make a difference  in students’ lives by helping in their academic challenges, improving their grades.

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