#finace

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[scotianostra]

March 2nd 1838, an advert was placed for a new joint stock banking firm in Glasgow: marking the founding of the Clydesdale Banking Company.

Two months later, the Clydesdale Banking Company opened for business in Glasgow - and Edinburgh - in May 1838. The history of the bank recalls that it was to be ‘chiefly a local bank - having few branches - but correspondents everywhere’. The bank was initially viewed as the brainchild of a collective of Glasgow businessmen, described as ‘liberal radicals … who were active in the government and charities of the city’. James Lumsden was the lynchpin behind the bank’s formation, a councillor who would later hold the role of Lord Provost of Glasgow.

Throughout the 19th century, Clydesdale hoovered up smaller banks, and was purchased by the Midland Bank in 1920, before merging with the North of Scotland Bank in 1950.

Mergers across the banking industry reduced the number of Scottish banks and by 1969, Clydesdale was the smallest after the Bank of Scotland and the Royal Bank of Scotland.

The bank were the first of our banks to start issuing a “polymer” notes in March 2015, and saw them immediately being put on auction site Ebay fetching up yo £100!! Since then the novelty has worn off.

It was eventually sold to the National Bank of Australia in 1987 but has now been separated again and was sold off last year again becoming an independent. In 2018 it was announced that Clydesdale Bank’s holding company CYBG would acquire Virgin money for £1.7 billion in an all-stock deal, and that the Clydesdale Bank will be getting phased out as a brand with Virgin Money being the new name of all the brands they own.

As more and more banks are disappearing from the High Streets, Clydesdale/ Virgin have recently closed 31 branches in locations across the UK, Airdrie, Banchory, Broughty Ferry, Cumbernauld, East Kilbride, Galashiels, Milngavie, Musselburgh, Oban, Portree, Stenhousemuir and Wick have all been lost in the last 6 moths.

While Clydesdale are still issuing notes the brand's owner, is retreating from its contracts to supply cash machines run by rival lenders. No longer will you get a crisp Clydesdale polymer note when drawing cash out of other ATM’s on the link system, the contract to supply them is being taken over by the other issuers of notes, Royal Bank of Scotland and Bank of Scotland. The move to infection-free contactless card payments during the Covid crisis has accelerated the reduced use of readies. With Clydesdale Bank no longer being a trading brand the name will continue to appear on the notes you get out of Virgin Money cash machines, but not any others.

The idea of issuing a Virgin Money banknote must have appealed to Richard Branson, particularly if his cheerful physog appeared on it with an airliner or balloon. But that's not happening. Virgin Money is not saying how much cash it's retiring as notes are returned, but it will be a big reduction from the £2.3bn which I'm understand is now in circulation - around 47% of the Scottish banknote total.

You wouldn't bet on it continuing indefinitely, because it's an odd and expensive advertising and marketing tool to support a brand being consigned to history, so in my opinion the notes will be gone from the Scottish scene before too long so anyone out there who still might have the old paper ones hang onto them, they might just be worth a bob or two in the not too distant future.

[chahtawordoftheday]

Chahta word of the day #67

Money-Tvli holisso

“Holisso” means printed or written, “tvli” means rock. I’m assuming this word combination came about after a switch from trading/using precious metals as a currency to a western form of economics

Here’s a pronunciation guide:

[prettiestboytoy2]

Every time i am sad that i've made bad investment i remmeber that Alameda Research had literal cheats build-in the trading platform they've used, and not only could gamble customer's money but thanks to full access to analytics of the FTX they could also bet against them.

And they still menaged to go fucking bankrupt. Amazing.

If world of finance ever gets its own equivalent of Darwin Award, they should be first one to recive it.

[aditikhandelwal]

Achieving in financial instablity

So there have been a lot of opinions and discussions about the personal development and self improvement thing so we need to make sure for that we should have a financial stability, we should be so much hard working and so much passionate about your work that money could never be a issue

if you work hard automatically success comes with it and as you must be thinking that how are we going to do that so there are some measures which you can follow to achieve your goals and can generate some good income with it as ‘FINANCE’ is very important

so as you need to plan , set a budget, don't spend unnecessarily, refrain from debt, have an emergency fund, manage debt effectively, and invest in retirement as early and as often as possible. It is also important to invest in yourself.

there are some 5 measures which you can follow

1) Invest in yourself. Having further education, more knowledge, and required skills for work can support your career advancement.

2) Make money from what you like :- just know what you like the most you should know about yourself, know what are your interests are on , as if you have an interest in something then only you can make money out of it

3) Set saving and expense budgets:- you should started saving more and your expenses should be very limited as in terms of it should be only on the basic needs SAVE FOR THE BEST

4) Set emergency fund:- You never know when your interest get fluctuate , you never know when is your last day at the job , you should always keep a back up option with yourself, as at that time the emergency fund helps you alot and makes your struggle less difficult

5) Plan for retirement:- As after working so hard day and night you should be that much capable of that you do not be dependent on someone financially … Work so much , make some Fixed deposit in the bank or invest in some shares or in health insurance.

So this was for all

for today

seee you in the next blog

Toodles

[thepillsoflife]

[house-of-quark]

[insightfuleconblogs]

The Effect of Income Changes on Consumer Choices

Have you ever realized that consumer choices change significantly which a rise or fall in income? This phenomena is known as the income effect.

The income effect is simply the change that is caused in the demand of a good or service due to a change in the individuals income level.

Typically, one reduces his consumption of an item or tries to switch to a cheaper alternative when his income falls. On the other hand, when his income rises, he typically increases consumption of an item. The reason behind this is because a change in money income of a consumer results in a change in their real income. Real income refers to the income of a consumer in terms of goods and services.

The typical effect of change in income on demand is observed in the cases of goods like food, clothing, etc. These goods are known as normal goods, where demand of consumers increases with an increase in income. Meanwhile, inferior goods are those whose demand decreases with an increase in income. This happens because they are poor quality items and consumers are now able to afford the more expensive, better quality goods with an increase in their income. For example, second hand clothing, poor quality white bread, etc.

In conclusion, , as one's income rises, they will begin to demand more goods. Similarly, A decrease in income results in lower demand. However, it is vice-versa in the case of inferior goods.

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[commercialfleetfinancing]

Commercial Fleet Financing: Your Trusted Partner in Commercial Truck and Equipment Financing

Introduction:

As a business owner in the United States, finding the right financing solution for your commercial trucks and equipment can be a daunting task. That's where Commercial Fleet Financing (CFF) comes in. With a proven track record and a customer-first approach, CFF is a leading commercial truck and equipment financing company that can help you grow your business.

Who We are?

Founded in 1995, Commercial Fleet Financing has established itself as a trusted name in the industry. Over the years, the company has funded over $1 billion dollars to more than 10,000 clients and continues to maintain an impressive annual funding of over $150 million. CFF's commitment to customer satisfaction has earned them an A+ rating with the Better Business Bureau (BBB) and prestigious accolades such as the Inc. 500/5000 fastest growing companies in America and the Dallas 100 Fastest Growing Companies in Texas.

At Commercial Fleet Financing, we specialize in financing a wide range of industries, providing customized solutions to meet their unique needs. From transportation and logistics to construction and beyond, we understand the diverse requirements of different industries and offer tailored financing options to support their growth and success.

Whether you're in the trucking industry, operating a construction business, managing a delivery service, or involved in any other industry that relies on commercial fleet vehicles, we have the expertise to help you acquire the equipment you need. Our financing solutions cover a variety of vehicles, including semi-trucks Finance, trailers, box trucks, and construction equipment, among

others.

Comprehensive Financing Solutions

At CFF, we understand that every business is unique, and that's why we offer a wide range of financing options tailored to your specific needs. Whether you're looking to purchase a new commercial truck, finance your equipment through leasing, or require private-party seller financing, we have you covered.

Loans

Our flexible loan options provide you with the capital you need to acquire the commercial trucks and equipment necessary for your business operations. With competitive rates and a fast and easy financing process, CFF ensures that you can secure the funds you need without unnecessary delays.

Leases

Leasing offers an attractive alternative to traditional financing, allowing you to conserve your working capital while still accessing the latest commercial trucks and equipment. With CFF's lease financing solutions, you can enjoy the benefits of modern technology and maintain a competitive edge in your industry.

Private-Party Seller Financing

In some cases, you may find the perfect commercial truck or equipment through a private seller. CFF understands this unique scenario and offers private-party seller financing options to facilitate your purchase. Our experienced professionals will guide you through the process, ensuring a seamless and hassle-free experience.

Protecting Your Assets with American Fleet Insurance

As a business owner, safeguarding your assets and employees is crucial. That's why Commercial Fleet Financing also offers American Fleet Insurance. This comprehensive insurance coverage provides you with peace of mind, knowing that your investments are protected against potential risks. Whether it's physical damage, liability coverage, or workers' compensation, our insurance solutions can be tailored to meet your specific requirements.

The CFF Advantage

When you choose Commercial Fleet Financing as your financing partner, you benefit from a range of advantages that set us apart from the competition:

Fast and Easy Financing Process

We understand that time is of the essence when it comes to growing your business. That's why our financing process is designed to be fast, efficient, and hassle-free. Our experienced professionals will guide you through each step, ensuring a smooth experience from application to funding.

Competitive Rates

We believe in providing our customers with the best possible rates to support their business growth. With our competitive rates, you can secure financing that aligns with your budget and maximizes your profitability.

Wide Range of Financing Options

No matter your specific requirements, CFF offers a diverse range of financing solutions to accommodate your needs. From loans to leases and private-party seller financing, we have the expertise and resources to find the right fit for your business.

Dedicated Team of Experienced Professionals

At CFF, we pride ourselves on our team of dedicated professionals who bring years of industry experience to the table. Our knowledgeable staff will work closely with you, understanding your unique needs and providing personalized service to help you achieve your business goals.

If you're looking for commercial truck or equipment financing, contact Commercial Fleet Financing today. You can apply online or call 469-281-2962.

[littlerat2]

I don't know how to budget, I just feel physically ill at the thought of spending money on anything

[commercialconstructionloansaus]

Commercial Construction Loans is a specialist finance brokerage based in Melbourne, helping property developers and investors across Australia secure tailored funding solutions. Whether you're building townhouses, commercial offices, or a medical center, they provide access to over 60 lenders and offer competitive finance options, including construction loans, land subdivision finance, and second mortgages. Known for fast approvals and flexible terms, they are your trusted partner in development finance.

[commercialmortgagebrokerau]

Expert Commercial Construction Finance Solutions Australia

Looking for reliable commercial construction finance or a flexible commercial construction loan? At Commercial Mortgage Broker, we help property developers and investors across Australia secure tailored funding solutions for commercial builds. Whether it’s an office, retail, or mixed-use project, we connect you with the right lenders to ensure smooth project financing. Visit Commercial Mortgage Broker to explore your options and get expert support every step of the way.

[finacenow]

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[investmoneyhub]

Behavioural finance is the study of the way in which psychology influences the behavior of market participants both at the individual and group level and the subsequent effects on financial markets.

It is a part of behavioural economics which deals with biases and cognitive errors affecting investors’ investing behavior. It makes an attempt to explain the gaps and market anomalies. Standard finance theories and framework does not explain this. Standard finance theories and models are based on certain assumptions

investors are rational

investors are risk averse

investors are self interested utility maximizers

investors update their belief, as new information comes in

investors have access to all available information

Real life behaviour of investors is different from what traditional finance models assume. Some of the example in daily life are

investors hold concentrated portfolio instead of diversifying

investors show greed and fear instead of making rationale choice of risk return

instead of accepting randomness with winning investments, investor attribute it to their skill

investors getting confused between a good company and a good stock

investors perceive domestic companies because they perceive the risk is low due to familiarity of the company

So real life investors are very different from those in standard finance theory.

Nobel laureates Daniel kahneman and Richard Thaler brought behavioural finance to forefront and attempt to integrate it with standard finance.

Bounded rationality

Most investors have limited 1.time Or 2.information or 3.ability to comprehend complex information at the time of decision making. Similarly when selecting one of many options requires meticulous analysis incorporating all the available information, people get confused.

They settle with an option possibly suboptimal which seems to be satisfactory and sufficient based on quick analysis governed by ‘thumb rules’. In other words, instead of optimizing as suggested by theories in finance, investors “satisfice” (seemingly satisfactory and sufficient).