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International Business Financial Risks Article

Top 10: Moto split, Mac hack, Microsoft secrets

Conferences this week put the spotlight on security news with a MacBook Air being hacked in two minutes during a competition and research finding that Microsoft patches holes faster than Apple. Otherwise, H-1B visas were back in the news, word seeped out that Microsoft is planning software to compete with Google Docs and Google Apps, and Motorola announced -- finally! -- that it will divide into two separate companies. . more

Japan's business confidence worsens in January-March period

Tokyo - Business sentiment among Japan's major manufacturers worsened in the January-March period compared to the previous quarter, the Bank of Japan said Tuesday, citing its quarterly Tankan survey. It was the second consecutive quarter that the index declined.

Confidence among large manufacturers fell to 11 in the three months through March from the previous period of 19, while sentiment among major non-manufacturers dropped to 12 from 16.

The diffusion index shows the percentage of companies reporting favorable business conditions minus that of those reporting unfavorable conditions. . more

Helping poor fishers become entrepreneurs

SINCE 1990, tuna magnate Roger Lim has made a big impact on the lives of 150 poor fishermen in General Santos City.

Yet, sometimes he's one of the most misunderstood men in fishing industry.

Arroyo Watch: Sun.Star blog on President Arroyo

Lim said this is because he stands pat on his principles, no matter who gets hurt and no matter what the consequences would be.

He's noted for being fearless and vocal in attacking misdeeds and vague policies of the government.

He openly criticized the government for allowing Taiwanese fishers to dump their non-export quality tuna product in the local markets.

He lobbied hard for the passage of a law in Congress reclassifying tuna hand line boats.

And recently, Lim fought, tooth and nail, for the relief of the entire Maritime 12 police whose members were accused of extorting money and other goods from tuna fishers. more

Latest International Business Financial Risks News

Dodd to Unveil a Broad Financial Overhaul Bill - New York Times

On one hand, the Fed would be entrusted with oversight over all systemically important financial institutions, even if they are not banks. American International Group ... also create a council to detect systemic risks to the financial system, and ...

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It's Speculators vs. Democracy - The Business Insider

To succeed, the international community needs to address the threat of speculation and ill-regulated markets ... The same financial institutions that were bailed out with taxpayers' money are now making a fortune from Greece's misfortune while those ...

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Dodd Bill to Toughen Stance Against Banks - Wall Street Journal

... seize and dismantle a large, failing financial company. This provision is intended to prevent the government from having to launch another ad hoc taxpayer-funded bailout, like the one that bailed out American International ... emerging risks

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New Market Report Now Available: France Real Estate ... - PRLog (free press release)

... The effects of the global financial ... International Business Monitor International (BMI) offers a comprehensive range of products and services designed to help senior executives, analysts and researchers assess and better manage operating ...

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CACI Awarded $31 Million Task Order to Help Business ... - MSN Money

CACI International Inc ( NYSE: CACI ) announced today it has been awarded ... The DAI program provides a standard financial management solution that interconnects business processes for all DoD agencies. CACI’s role focuses on services that help ...

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Orthofix International Sells Vascular Business to ... - Businesswire.com

BOSTON--( BUSINESS WIRE )--Orthofix International ... projections, financial condition, results of operations and businesses of Orthofix and its subsidiaries and are based on management’s current expectations and estimates and involve risks and ...

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External pressure on yuan not helpful: China - Economic Times

... that external calls for yuan appreciation were unhelpful, vowing that Beijing would stick to its own course for currency reform while also warning of global economic risks. Blending ... tightening, and also by insistent international calls for ...

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Dodd Ends Talks, Says Financial Bill Will Include ... - BusinessWeek

... that includes protections for consumers and a measure to prevent another financial crisis, he said. The bill is aimed at avoiding future taxpayer bailouts of firms like Citigroup Inc. and American International ... operational risks, would be ...

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China’s Wen says external pressure on yuan not ... - The Malaysian Insider

... that external calls for yuan appreciation were unhelpful, vowing that Beijing would stick to its own course for currency reform while also warning of global economic risks. Blending ... tightening, and also by insistent international calls for ...

Read more


Fushi Copperweld Announces Participation at ROTH Capital OC Growth ... - Big Hollywood

The presentation will include a discussion of the Company's business operations, financial results, strategic initiatives and prospects ... through its wholly owned subsidiaries, Fushi International ( Dalian ) Bimetallic Cable Co, Ltd.,

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International Business Financial Risks Questions asked

Resolved Question: Is Manmohan singh govt is acting under US pressure to pass "Civil nuclear liability bill"?

In a significant message to the business lobby in Washington, the Union Cabinet on Thursday gave its nod to the Civil Nuclear Liability Bill.(20 november 2009) The bill is expected to be tabled in Parliament's Winter Session by the Ministry of Atomic Energy. http://news.rediff.com/report/2009/nov/20/cabinet-approves-civil-nuclear-liability-bill.htm The bill is designed to shield foreign-reactor builders from the weight of the financial consequences of severe accidents. It shifts the primary burden for accident liability from the foreign builders to the Indian state. The bill is said to cap total compensation payable in the event of a severe radioactive release at Rs. 2,250 crore ($483 million), with the liability of the foreign supplier restricted to a trifling Rs. 300 crore ($64.6 million). Why should a poor country like India assume liability from a ridiculously low threshold? In fact, to cover claims of personal injury and property damage in the event of a catastrophic nuclear accident, India — given the density of its population and the consequent higher risks — must also maintain a large standby compensation pool, but without the state being burdened. The proposed Indian cap is well below international levels. Japan, for example, has boosted its plant operator liability to120 billion yen ($1.33 billion). Under the OECD’s 2004-amended Paris Convention, total liability was set at €1.5 billion ($2.04 billion), with the operator’s share being nearly half. Germany, for its part, has unlimited operator liability and demands € 2.5 billion ($3.4 billion) security from each plant’s operator. http://chellaney.spaces.live.com/blog/cns!4913C7C8A2EA4A30!1160.entry States with a majority of the world’s present 436 nuclear power reactors are not yet party to any international liability convention. Many countries still maintain a “wait and see” approach. For example, China, Japan and the U.S. are not party to any international liability convention, while Russia — a party to the Vienna Convention since 2005 — has refused to pass legislation to waive or cap accident liability for its foreign suppliers. When a number of nuclear-generating countries are yet to adopt domestic legislation in this field, let alone ratify international conventions, why is New Delhi in a rush to pass a bill that caps liability on terms weighted in favour of foreign suppliers? Also did we forget the experience of Bhopal gas tragedy?? more

Voting Question: What other risks are there in opening a business?

I am doing a business plan and need to explain my risks. I am opening a cafe as a sole trader, employing 2 chefs and waiting staff. Risks: I am aware there are certain risks, which are of a significant importance to opening The Cinnamon Stick cafe. Some risks of significant importance is inexperience in being an entrepreneur, few customers for a significantly long term and issues in financial arrangements with the bank. I am not skilled in opening up a new enterprise and have never embarked on such a project before. It is known that the majority of any entrepreneurial ventures fail. This could result in my business failing to survive. One of the factors which contribute to the failing of a business is due to self-employed people is not being clear in their business plan and due to inexperience as mentioned before. If I receive few customers, I am in danger of an insufficient income of money. Not only this, but it may result in the chefs and waiting staff quitting and abandoning me, with further issues of having to find people to take its place. One way I have planned to reduce the risk for this is that I have already invested $25 000 in a business account for the running of the cafe in the bank. $15 000 of this is for myself in order to enable that I have money to back up my own personal financial needs. The chefs I have arranged for The Cinnamon Stick have also consulted me that they have enough money to back them up. One chef is for about 2 months time with the other 3 months time. Some () is that I may have competition or complacency. Competition would normally occur with other restaurants or cafes nearby with a more significant degree if they are to sell the same foods which are consumed by customers. The problem in this context is that my cafe is an international cafe selling foods of cuisines from around the world. This would mean that it is likely to be nearby restaurants or cafes with the same foods. To keep ahead of this is such a thing was to occur I would be essential to sustain a competitive advantage. I may need to lower prices of certain foods to maintain a sufficient amount of money. Other methods were mentioned earlier in discounts with the rating of each foods.The other plan in mind is to reduce the cost of the bill by 5% if customers are to rate each food out of 10. Each result will be truthfully hanged on the door. I also will be purchasing organic foods. more

Voting Question: What other risks are there in opening a business?

I am doing a business plan and need to explain my risks. I am opening a cafe as a sole trader, employing 2 chefs and waiting staff. Risks: I am aware there are certain risks, which are of a significant importance to opening The Cinnamon Stick cafe. Some risks of significant importance is inexperience in being an entrepreneur, few customers for a significantly long term and issues in financial arrangements with the bank. I am not skilled in opening up a new enterprise and have never embarked on such a project before. It is known that the majority of any entrepreneurial ventures fail. This could result in my business failing to survive. One of the factors which contribute to the failing of a business is due to self-employed people is not being clear in their business plan and due to inexperience as mentioned before. If I receive few customers, I am in danger of an insufficient income of money. Not only this, but it may result in the chefs and waiting staff quitting and abandoning me, with further issues of having to find people to take its place. One way I have planned to reduce the risk for this is that I have already invested $25 000 in a business account for the running of the cafe in the bank. $15 000 of this is for myself in order to enable that I have money to back up my own personal financial needs. The chefs I have arranged for The Cinnamon Stick have also consulted me that they have enough money to back them up. One chef is for about 2 months time with the other 3 months time. Some () is that I may have competition or complacency. Competition would normally occur with other restaurants or cafes nearby with a more significant degree if they are to sell the same foods which are consumed by customers. The problem in this context is that my cafe is an international cafe selling foods of cuisines from around the world. This would mean that it is likely to be nearby restaurants or cafes with the same foods. To keep ahead of this is such a thing was to occur I would be essential to sustain a competitive advantage. I may need to lower prices of certain foods to maintain a sufficient amount of money. Other methods were mentioned earlier in discounts with the rating of each foods. more

Resolved Question: What is your opinion on this? Global Currency?

kinda scary.. Head of IMF Proposes New Reserve Currency IMF's Strauss-Kahn suggests IMF may one day provide global reserve asset By HARRY DUNPHY Associated Press Writer WASHINGTON February 26, 2010 (AP) The Associated Press Dominique Strauss-Kahn, the head of the International Monetary Fund, suggested Friday the organization might one day be called on to provide countries with a global reserve currency that would serve as an alternative to the U.S. dollar. "That day has not yet come, but I think it is intellectually healthy to explore these kinds of ideas now," he said in a speech on the future mandate of the 186-nation Washington-based lending organization. Strauss-Kahn said such an asset could be similar to but distinctly different from the IMF's special drawing rights, or SDRs, the accounting unit that countries use to hold funds within the IMF. It is based on a basket of major currencies. He said having other alternatives to the dollar "would limit the extent to which the international monetary system as a whole depends on the policies and conditions of a single, albeit dominant, country." Strauss-Kahn, a former finance minister of France, said that during the recent global financial crisis, the dollar "played its role as a safe haven" asset, and the current international monetary system demonstrated resilience. "The challenge ahead is to find ways to limit the tension arising from the high demand for precautionary reserves on the one hand and the narrow supply of reserves on the other," he said. Several countries, including China and Russia, have called for an alternative to the dollar as a reserve currency and have suggested using the IMF's internal accounting unit. Strauss-Kahn said the IMF also needs to do a better job of tracing how risk percolates through the global economy. "Here it will be essential to improve our ability to monitor several dozen large complex financial institutions that make up the `plumbing' through which global capital flows," he said, while leaving national regulators the job of monitoring the solvency of individual institutions. http://abcnews.go.com/Business/wireStory?id=9958995 more

Resolved Question: Do scoffers live in a plastic bubble? When last has the world went through so many tribulations all at once?

1.Germany's no-bailout approach to Greece deepening Greece will cause another banking crisis-http://www.theglobeandmail.com/report-on-business/economy/germanys-no-bailout-approach-to-greece-deepening/article1468237/ 2.The EURO is failing-An old form of currency "the Euro" has been found on a shipwreck off an island in Greece (dailymail.co.uk)-Part 1 of 2: The political project of the Euro currency is facing severe pressure in the international markets. With the PIGS economies (Portugal, Ireland, Greece, http://wallstreetblips.dailyradar.com/video/euro-currency-crumbling-part1-09feb10/ US debt will keep growing even with recovery.....It is now mathematically impossible for the USA to get out of debt-Yahoo News-WASHINGTON – It's bad enough that Greece's debt problems have rattled global financial markets. In the world's largest economic and military power, there's a far more serious debt dilemma the USA Dubai in deep water as ripples from debt crisis spread-http://business.timesonline.co.uk/tol/business/markets/the_gulf/article6934261.ece Bankrupt Britain's Public Sector Double Dip Debt Recession-Bankrupt Britain's Public Sector Double Dip Debt Recession Feb 5, 2010 ... US recovery risks being hobbled by growing army of long-term unemployed Feb 2, 2010 ... Urban unemployment grows ... Europe's economic catch-22 ... Facing massive national debts. Un-employment growing.. SO WHAT"S NEXT? DO you see a ONE WORLD GOVERNMENT COMING? DO YOU SEE A PERSON COMING THAT WILL BE LOVED MORE THAN OBAMA THAT WILL RESCUE THE WORLD? What do you see coming?We have 6 Billion People on the Planet, we are facing Water Shortages, Increase in Natural Disasters that are plaguing distressed Governements, famines in all over the world. more people loosing jobs, homes.. What's the answer?NONE OF THOSE YOU MENTIONED ARE WORSE THAN TODAY..FIRST OFFWE HAVE 6 BILLION PEOPLE N THE PLANET< WE ARE LOOSING NATURAL RESOURCES ON EARTH< WE HAVE NUCLEAR TECHNOLOGY TO DESTROY ALL MANKIND more

Resolved Question: Financial Job? I need to know what category to fill out for in filling out for college please help?

Ok I used to want to be an Actuary and I did some research and decided to instead to be a Financial Manager.http://www.bls.gov/oco/ocos010.htm I Know it is a business degree but what subject is it out of the following list?(Most of them are obvious that its not that subject but I listed the whole list anyway) Accounting Administrative Assistant Applied Management Business Administration and MBA Business Communications Business Information Systems Business Leadership Communications eBusiness and eCommerce Economics Fashion Finance Hotel and Hospitality Management Human Resources Information Systems International Business Management Operations Management Organizational Management Real Estate Risk Management Small Business Management I was leaning more towards Finance, Management, or Risk Management. Which one is it? more

Resolved Question: economy text from english to serbian?

could you translate this text into serbian by tomorrow? please The London Stock Exchange Limited (LSE) is the world's oldest stock exchange and one of the top three stock exchanges in the world, after the New York and Tokyo exchanges. Founded in 1773 and reincorporated as a private limited company in 1986, the LSE is also the world leader in international share trading. The LSE operates a number of market products, including the main board listing, featuring more than 3,000 companies and including over 500 international companies, as well as the secondary AIM (Alternative Investment Market), established in 1995 as a vehicle for trades in small, high-growth companies. More than 70 companies are listed on the AIM board. After launching the Stock Exchange Electronic Trading Services (SETS) in 1997, the LSE introduced a new listing, techMARK, tailored to the specific needs of the high-technology sector and designed to compete with the NASDAQ index. With a total equity turnover value of more than £3.5 billion, the LSE achieved gross revenues of £149.8 million in 1999. The LSE is led by Chairman John Kemp-Welch and CEO Gavin Casey. Founded in 1773, the LSE reflects more than 200 years of the development of share-based enterprise. The world's first joint-stock company was created in the mid-16th century. Traditionally, companies were either owned by a single individual or through a partnership with two or more owners. While this arrangement sufficed for smaller businesses and stable market sectors, direct financial responsibility for riskier endeavors--such as the great trade exploration voyages of the period--were judged too precarious for an individual or limited group of investors. The organization of such a venture, that of a voyage to trace a northern sea route to the Far East from London in 1553, introduced the world's first shareholder-based company. Selling shares to a larger number of investors reduced the financial risk for each individual investor, while enabling the company itself to raise the capital needed to fund its operations. This first joint-stock company failed to find a northern sea route to the Far East. However, a meeting with Russian tsar Ivan the Terrible brought the company the exclusive rights to trade between Russia and England. The Muscovy Company, as it came to be called, became a commercial success, rewarded its shareholders with large profits, and inspired the creation of new investment ventures. The Muscovy Company served as the model for future shareholder-based companies. Investors contributed capital funding, while direction of the company's operations remained in the hands of its management. The investors, who were allowed to sell their holdings or buy more shares, were given dividends according to the company's profits. As more companies were set up following the Muscovy model, a new profession came into being, that of the broker, who acted as a middleman for trades of shares, helping to boost not only the number of joint-stock companies but also the number of investors. Adding impetus to this movement was the foundation of the Bank of England as a joint-stock company by King William III in order to provide funding for England's military campaign against France at the end of the 17th century. The shareholder system was given further support by legislation to limit and punish brokers for malpractice. By the 18th century, a flourishing "market" for shares was in place--so much so that the period marked the first stock market crash in 1720. While trading took place at the Royal Exchange through the middle of the century, the rowdy behavior--itself to become something of a tradition on the market floor--of certain brokers led to their exclusion. Instead of leaving the business, these brokers began meeting at Jonathan's Coffee House and other coffee shops in the Threadneedle Street area of London. In 1760, some 150 brokers founded their own club to buy and sell stock at Jonathan's. The following decade, in 1773, the members of the club changed its name to the Stock Exchange. As the individual broker members of the Stock Exchange began to establish brokerage firms, and the number of markets expanded, the Stock Exchange saw a need for new quarters. In 1801, the Stock Exchange began construction on a new building at what was to become its permanent London location. The following year, the Stock Exchange published a Deed of Settlement, formally outlining the operating rules and procedures of the stock market. If the original joint-stock companies were formed to provide funding for the many voyages of discovery, overseas trading, and foreign military campaigns, the shareholder-based company structure showed itself easily adaptable to the changing economic landscape of the 19th century. The Industrial Revolution, coupled with such major infrastructure undertakings as the building of a national railroad system, provided the basis for the modern period of shareholder-b more

Resolved Question: How to break up with my girlfriend then get back together when older? HELP ME!!?

I am 25 and my girlfriend is 22 we have been together for 4.5 years. I moved to another country to be with her 2 years ago where originally I did not speak the language - my level now is intermediate at best. We get on well together but there are numerous problems in the relationship and she never wants to discuss any relationship problems. She has never lived with me and doesn’t want to (she lives with her parents and always has). She says it is because she doesn’t want to get a full time job. She lives off ludicrously over paid contract work she gets handed when full time employees take their holidays (max 3/4 months a year). She has finished university but constantly studies things for ‘fun’ and does little else to have fun apart from occasionally going out with her friends to get drunk. Her parents treat us both like children even though I am 25 make more money than her father. I am made to sleep in a separate bed from my girlfriend in their house. Her mother does all the cooking, cleaning, washing in the house for my girlfriend. I run two businesses and work remotely telecommuting. I live in flat share accommodation with international students which I hate as I am getting older and want to live alone with my girlfriend, grow my career & businesses, travel and do sport. I yearn for a woman who will help support me, take an active interest in my businesses, which wants to travel the world with me, commit to me, and take risks and work towards joint goals. Any dreams or plans, which are discussed with my girlfriend, are more than often laughed at jokingly, shot down, or not taken seriously. They are never discussed seriously. My lease on my flat ends in June next year. I am returning to my country for 2 months soon for work. I like my girlfriend’s country I wish to return when I have a better financial situation. I am strongly considering talking to my girlfriend about breaking off our relationship in June when I move back to my country unless she wants to come with me. She is very immature with life and refuses to leave her parents nest egg unless I imagine I can provide something better for her. I would like to get back together with her when I am older if she has grown up more, as she could be a great person if she was more mature. How can I approach this? more

Voting Question: How can I break up with my girlfriend and then get back together again when she is more mature?

I am 25 and my girlfriend is 22 we have been together for 4.5 years. I moved to another country to be with her 2 years ago where originally I did not speak the language - my level now is intermediate at best. We get on well together but there are numerous problems in the relationship and she never wants to discuss any relationship problems. She has never lived with me and doesn’t want to (she lives with her parents and always has). She says it is because she doesn’t want to get a full time job. She lives off ludicrously over paid contract work she gets handed when full time employees take their holidays (max 3/4 months a year). She has finished university but constantly studies things for ‘fun’ and does little else to have fun apart from occasionally going out with her friends to get drunk. Her parents treat us both like children even though I am 25 make more money than her father. I am made to sleep in a separate bed from my girlfriend in their house. Her mother does all the cooking, cleaning, washing in the house for my girlfriend. I run two businesses and work remotely telecommuting. I live in flat share accommodation with international students which I hate as I am getting older and want to live alone with my girlfriend, grow my career & businesses, travel and do sport. I yearn for a woman who will help support me, take an active interest in my businesses, which wants to travel the world with me, commit to me, and take risks and work towards joint goals. Any dreams or plans, which are discussed with my girlfriend, are more than often laughed at jokingly, shot down, or not taken seriously. They are never discussed seriously. My lease on my flat ends in June next year. I am returning to my country for 2 months soon for work. I like my girlfriend’s country I wish to return when I have a better financial situation. I am strongly considering talking to my girlfriend about breaking off our relationship in June when I move back to my country unless she wants to come with me. She is very immature with life and refuses to leave her parents nest egg unless I imagine I can provide something better for her. I would like to get back together with her when I am older if she has grown up more, as she could be a great person if she was more mature. How can I approach this? more

Resolved Question: Yes, our nation is at risk. But from whom, and from what? You decide. And please do it quickly?

We face threats from illegal immigrants and international terrorists. We remember 9/11. But now, a greater threat seems to come from inside our borders and our government. Let’s take a look. Was it the Taliban, or al-Qaida, or illegal Mexican immigrants that took control of General Motors? Ditto for Chrysler? Who encouraged the sub-prime mortgages that devalued our homes, and put many of our financial institutions into bankruptcy? Who dropped legal action against the Black Panther thugs who blocked the entrance of a Philadelphia voting precinct, while investigating CIA intelligence agents? Who is freeing Guantánamo prisoners to head to the beach in Bermuda or return to fight again in Afghanistan? Is it the Taliban or al-Qaida that wants to impose new taxes or penalties on U.S. businesses during the depth of an economic depression? Who burdened our children and grandchildren with an unfunded liability of some $59 trillion, or $131,938 for every man, woman and child in America? Who directed the destruction of more than 700,000 automobiles, which could have been used by those of us who cannot afford to purchase a new car? Was it Osama bin Laden who said, if elected, he’d bankrupt the coal industry, and that U.S. domestic and industrial electrical costs would skyrocket? Who prevented the oil shale lands and Alaskan oil fields from being explored, while waters, clearly out of sight of Florida beaches, are being researched by Cuba, and China? It does sound like something al-Qaida would do if they wanted to make us even more dependent on Middle Eastern oil. I could go on, but you get the point. Yes, our nation is at risk. But from whom, and from what? You decide. And please do it quickly. more

Resolved Question: Could you fill in the blanks, please?

Could you listen to this news and fill in the blanks? BBC NEWS "UK Banks releasing earnings" http://news.bbc.co.uk/2/hi/business/8180979.stm The world's government has spent more than ten trillion dollars supporting financial services according to the International Monetary Fund. The UK has committed more than two trillion dollars of that to its financial sector. Most is in the former of loans or guarantees, but tens of millions of dollars have been spent bailing out the banks. This week these many of the big UK banks reporting their results, and tax payers will find out how their investments have been performing. Monday is the turn of BARCLAYS and HSBC. Both these banks turned down the offer of help from UK tax payer. BARCLAYS went to the Middle-East instead raising eleven and a half billion dollars from investors there. HSBC decided to ask it share holders to help raising more than twenty billion dollars in the right issue. Both banks are expected to report very stronger terms from their investment banking divisions capitalising on recent stock market rises. But both could still be hit by bad debts. Chris Skinner Financial Services Club Aspects of BARCLAYS showed record surges profits to be honest because they have been buying a lot of people, a lot of top investment bankers from their rivals - putting, fixing ~~~~~~~we see ~~~~~~profitability~~~~~~~becoming through the states. So, they could show a good surge and results. HSBC is a good bank with diverse~~~~~~across Europe, America, and Asia. Unfortunately, we think~~~~~~billions of dollars~~~~~~~write-offs from America where they had very bad experience, but through the~~~~of that now I wouldn't expect to show record surge of any form, but stable growth. They're also concerned that some banks are taking too many risks and could repeat mistakes of the past as they tried to reveal that battled balance sheets and get back to big profits. Michael Lafferty Lafferty Group Without doubt ~~~a best way of preventing the sort of disaster we'd got into the last couple of years would be ~~~~~~~separate investment bankings entirely retail banking and to prevent ~~~~~~~~organisation. I think what we have the moment is sort of its heavens for investment bankers because they're able to use and abuse the deposits and the savings of the British population. Predictions of today's figures vary, but news of billions of dollars of profits once it well those suffering in a recession tax payer bailouts or not. Richard Scott, BBC NEWS. I want to understand this news and brush up my listening skill. If you find any error, please correct it! Thank you. more

Voting Question: Please choose one Which of the following has not yet been empirically established as?

Question No: 1 ( Quiz ) - Please choose one Which of the following has not yet been empirically established as a distinguishing characteristic of entrepreneurs? ► Locus of control ► Feeling about independence ► Need for achievement ► Risk taking Question No: 2 ( Quiz ) - Please choose one There is an evidence that an entrepreneur usually has _______________ parents. ► Self employed ► Discouraged ► Non supportive ► Strict Question No: 3 ( Quiz ) - Please choose one The level at which an individual is viewed by society is called: ► Financial status ► Qualification ► Social status ► Achievement Question No: 4 ( Quiz ) - Please choose one An individual’s need to be recognized is called: ► Need for independence ► Need for affiliation ► Need of fame ► Need for achievement Question No: 5 ( Quiz ) - Please choose one With a commercial history of only 300 years, which country was a new comer to the international arena? ► Japan ► U.S ► China ► U.K Question No: 6 ( Quiz ) - Please choose one International entrepreneur’s decisions are more complex because of: ► Business expansion ► Analysis of Huge information is difficult ► Complex transactions ► Uncontrollable factors Question No: 7 ( Quiz ) - Please choose one A company dealing in beer has a merger with cigarettes manufacturing firm. This merger is called: ► Horizontal merger ► Product extension merger ► Market extension merger ► Vertical merger Question No: 8 ( Quiz ) - Please choose one Which one of the following is an important source of idea generation due to their familiarity with the needs of market? ► Existing products and services ► Distribution channels ► Federal government ► Consumers Question No: 9 ( Quiz ) - Please choose one Which of the following techniques is an excellent method for intial screening of ideas and concepts? ► Focus group ► Problem inventory analysis ► Brain storming ► Reverse brainstorming Question No: 10 ( Quiz ) - Please choose one Which one of the following is the next stage to the Concept Stage of Product Planning and Development Process? ► Idea Stage ► Product Planning Stage ► Product Development Stage ► Test Marketing Stage Question No: 11 ( Quiz ) - Please choose one Which one of the following is a method for obtaining new ideas and solutions by focusing on problems? ► Product inventory analysis ► Gordon method ► Checklist method ► Scientific method Question No: 12 ( Quiz ) - Please choose one Which one of the following is the main problem for the entrepreneur in the beginning stages of creating a new venture? ► Lack of experience ► Limited resources ► Lack of education ► None of the given options Question No: 13 ( Quiz ) - Please choose one A legally binding agreement between two parties is called: ► A contract ► Licensing ► Insurance ► A copyright Question No: 14 ( Quiz ) - Please choose one Which of the following is included in the description of the business? ► Location ► Products offered ► History ► All of the given options Question No: 15 ( Quiz ) - Please choose one The marketing perspective of business plan considers the venture through the eyes of: ► Investor ► Customer ► Entrepreneur ► Marketing manager Question No: 16 ( Quiz ) - Please choose one Which one of the following is NOT a condition of a contract? ► An offer is made ► An acceptance of offer ► Counter offer ► Consideration is given Question No: 17 ( Quiz ) - Please choose one For which of the following copy right acquisition is desirable? ► Songs ► Poems ► Models ► All of the given options Question No: 18 ( Quiz ) - Please choose one Which of the following is TRUE for Disclosure Document? ► It gives recognition that he was the inventor of the idea in past ► It gives recognition that he is the first the inventor of the idea ► It gives recognition that he will be the invent an idea in future ► It gives recognition that he wants to copy the idea Question No: 19 ( Quiz ) - Please choose one Trade barriers cause: ► Increase in cost ► Decrease in cost ► Increase in profit ► None of the given options Question No: 20 ( Quiz ) - Please choose one Having more than 50% ownership position that provides the entrepreneur with managerial control is called: ► Joint venture ► Majority interest ► Horizontal merger ► Diversified activity merger more

Resolved Question: Is our president obama relying on americans disinterest in politics to rob the united states blind?

Obama’s misnamed “Financial Regulatory Reform Plan” is a brazen attempt by the bankers to consolidate their power. Obama’s plan will be run out of the Treasury under former New York Fed Grand Poobah Timothy Geithner. Obama — or rather, the bankers who own Obama — has devised something called a “Financial Services Oversight Council” to be chaired by the bankster dominated Treasury Department. This uber-council would call the shots for every financial firm in the country and supposedly refer “emerging risks to the attention of regulators with the authority to respond,” even as Obama plans to call for the U.S. Office of Thrift Supervision to close under the direction of the Federal Reserve. Instead of independent bank regulators, Obama proposes a “National Bank Supervisor” who would have “separate status within Treasury and be led by a single executive,” according to Clusterstock. The NBS czar would occupy a centralized post in enemy territory and “take over the prudential responsibilities of the Office of the Comptroller of the Currency, which currently charters and supervises nationally chartered banks and federal branches and agencies of foreign banks.” Next up, Obama tells us he wants to create a Consumer Financial Protection Agency, a laughable proposal if it wasn’t so criminally dishonest. It would be charged with protecting consumers of credit, savings, payment and financial products and services, or so we are expected to believe. It will be another government behemoth beholden to the same financial elite that has so far ransacked the nation to the tune of trillions of dollars. “The CFPA will be a massive new agency that will impact everyone in the United States in some form,” writes Andrew Busch, a markets strategist at BMO Capital Markets in Chicago. “Providing this much power to one agency is truly frightening as they will get to set the rules and pick the winners/losers for the financial sector.” You know, the same “winners” now ruling the roost. Then there is the Office of National Insurance, also to set up camp in the Treasury. It will allegedly improve and broaden the regulation of insurance companies and affiliates on a consolidated basis, including affiliates outside the traditional insurance business, and will offer consistent consumer protection for insurance products and practices. The excuse for this one is the failure of AIG. On September 16, 2008, AIG suffered a liquidity crisis following the downgrade of its credit rating. It needed a $85 billion credit infusion from the money out of thin air folks over at the Federal Reserve. The Fed basically ended up owning AIG and its boatload of toxic debt. If you check the Federal Reserve Act, you will see there is nothing in there about the ability to buy up insurance companies. But then, since the Fed is not actually a part of the U.S. government and is a private banking corporation owned by a consortium of private banks, it is not beholden to no stinking act passed in the dead of night during a Christmas recess way back in 1913. •It wasn’t insurance losses that nearly toppled AIG — it was the actions of secretive unit that caused more than $18 billion in losses for the world’s largest insurance company. AIG Financial Products was run like a hedge fund out of London and Wilton, Connecticut, and specialized in derivatives masquerading as “financial products.” Do you think the Treasury, run by little Timmy Geithner — who was president of the Federal Reserve Bank of New York, worked for the master criminals Robert Rubin and Lawrence Summers, spent time at the CFR and learned a trick or two under the direction of Herr Kissinger and Associates — will “regulate” derivatives pretending to be “financial products” for insurance customers? Please. Wall Street and its international offshore banker overlords are addicted to derivatives. “These derivatives now amount to a total worldwide notional value that can be estimated between 1 quadrillion and two quadrillion US dollars. This sum is so large that it dwarfs the total value of the entire planet earth and all those who live here,” notes Webster G. Tarpley. If you think Obama and crew plan to do something about this massive black hole, I have a bridge to sell you on Krypton. Obama’s “Financial Regulatory Reform Plan” is but another bankster scam. It is an obvious plan to grab up more industries and goodies under the guise of “regulation” and (ack) “consumer protection.” So contemptuous of you and your family are the bankers they don’t even attempt to make this threadbare nonsense plausible. It is thievery right out in the open. Our only hope at this point is the Federal Reserve Transparency Act, HR 1207, now up to 232 co-sponsors. It needs a two-thirds vote with 290 members on board so the bankster tool Obama will not veto it. On that day of its passage there will be a short cry of hosanna — and then we will open the Fed’s books and begin more

Resolved Question: What would happen if the federal reserve was audited?

Obama’s misnamed “Financial Regulatory Reform Plan” is a brazen attempt by the bankers to consolidate their power. Obama’s plan will be run out of the Treasury under former New York Fed Grand Poobah Timothy Geithner. Obama — or rather, the bankers who own Obama — has devised something called a “Financial Services Oversight Council” to be chaired by the bankster dominated Treasury Department. This uber-council would call the shots for every financial firm in the country and supposedly refer “emerging risks to the attention of regulators with the authority to respond,” even as Obama plans to call for the U.S. Office of Thrift Supervision to close under the direction of the Federal Reserve. Instead of independent bank regulators, Obama proposes a “National Bank Supervisor” who would have “separate status within Treasury and be led by a single executive,” according to Clusterstock. The NBS czar would occupy a centralized post in enemy territory and “take over the prudential responsibilities of the Office of the Comptroller of the Currency, which currently charters and supervises nationally chartered banks and federal branches and agencies of foreign banks.” Next up, Obama tells us he wants to create a Consumer Financial Protection Agency, a laughable proposal if it wasn’t so criminally dishonest. It would be charged with protecting consumers of credit, savings, payment and financial products and services, or so we are expected to believe. It will be another government behemoth beholden to the same financial elite that has so far ransacked the nation to the tune of trillions of dollars. “The CFPA will be a massive new agency that will impact everyone in the United States in some form,” writes Andrew Busch, a markets strategist at BMO Capital Markets in Chicago. “Providing this much power to one agency is truly frightening as they will get to set the rules and pick the winners/losers for the financial sector.” You know, the same “winners” now ruling the roost. Then there is the Office of National Insurance, also to set up camp in the Treasury. It will allegedly improve and broaden the regulation of insurance companies and affiliates on a consolidated basis, including affiliates outside the traditional insurance business, and will offer consistent consumer protection for insurance products and practices. The excuse for this one is the failure of AIG. On September 16, 2008, AIG suffered a liquidity crisis following the downgrade of its credit rating. It needed a $85 billion credit infusion from the money out of thin air folks over at the Federal Reserve. The Fed basically ended up owning AIG and its boatload of toxic debt. If you check the Federal Reserve Act, you will see there is nothing in there about the ability to buy up insurance companies. But then, since the Fed is not actually a part of the U.S. government and is a private banking corporation owned by a consortium of private banks, it is not beholden to no stinking act passed in the dead of night during a Christmas recess way back in 1913. •It wasn’t insurance losses that nearly toppled AIG — it was the actions of secretive unit that caused more than $18 billion in losses for the world’s largest insurance company. AIG Financial Products was run like a hedge fund out of London and Wilton, Connecticut, and specialized in derivatives masquerading as “financial products.” Do you think the Treasury, run by little Timmy Geithner — who was president of the Federal Reserve Bank of New York, worked for the master criminals Robert Rubin and Lawrence Summers, spent time at the CFR and learned a trick or two under the direction of Herr Kissinger and Associates — will “regulate” derivatives pretending to be “financial products” for insurance customers? Please. Wall Street and its international offshore banker overlords are addicted to derivatives. “These derivatives now amount to a total worldwide notional value that can be estimated between 1 quadrillion and two quadrillion US dollars. This sum is so large that it dwarfs the total value of the entire planet earth and all those who live here,” notes Webster G. Tarpley. If you think Obama and crew plan to do something about this massive black hole, I have a bridge to sell you on Krypton. Obama’s “Financial Regulatory Reform Plan” is but another bankster scam. It is an obvious plan to grab up more industries and goodies under the guise of “regulation” and (ack) “consumer protection.” So contemptuous of you and your family are the bankers they don’t even attempt to make this threadbare nonsense plausible. It is thievery right out in the open. Our only hope at this point is the Federal Reserve Transparency Act, HR 1207, now up to 232 co-sponsors. It needs a two-thirds vote with 290 members on board so the bankster tool Obama will not veto it. On that day of its passage there will be a short cry of hosanna — and then we will open the Fed’s books and b more

Voting Question: Would you consider President Obama a criminal if the federal reserve was audited?

Obama’s misnamed “Financial Regulatory Reform Plan” is a brazen attempt by the bankers to consolidate their power. Obama’s plan will be run out of the Treasury under former New York Fed Grand Poobah Timothy Geithner. Obama — or rather, the bankers who own Obama — has devised something called a “Financial Services Oversight Council” to be chaired by the bankster dominated Treasury Department. This uber-council would call the shots for every financial firm in the country and supposedly refer “emerging risks to the attention of regulators with the authority to respond,” even as Obama plans to call for the U.S. Office of Thrift Supervision to close under the direction of the Federal Reserve. Instead of independent bank regulators, Obama proposes a “National Bank Supervisor” who would have “separate status within Treasury and be led by a single executive,” according to Clusterstock. The NBS czar would occupy a centralized post in enemy territory and “take over the prudential responsibilities of the Office of the Comptroller of the Currency, which currently charters and supervises nationally chartered banks and federal branches and agencies of foreign banks.” Next up, Obama tells us he wants to create a Consumer Financial Protection Agency, a laughable proposal if it wasn’t so criminally dishonest. It would be charged with protecting consumers of credit, savings, payment and financial products and services, or so we are expected to believe. It will be another government behemoth beholden to the same financial elite that has so far ransacked the nation to the tune of trillions of dollars. “The CFPA will be a massive new agency that will impact everyone in the United States in some form,” writes Andrew Busch, a markets strategist at BMO Capital Markets in Chicago. “Providing this much power to one agency is truly frightening as they will get to set the rules and pick the winners/losers for the financial sector.” You know, the same “winners” now ruling the roost. Then there is the Office of National Insurance, also to set up camp in the Treasury. It will allegedly improve and broaden the regulation of insurance companies and affiliates on a consolidated basis, including affiliates outside the traditional insurance business, and will offer consistent consumer protection for insurance products and practices. The excuse for this one is the failure of AIG. On September 16, 2008, AIG suffered a liquidity crisis following the downgrade of its credit rating. It needed a $85 billion credit infusion from the money out of thin air folks over at the Federal Reserve. The Fed basically ended up owning AIG and its boatload of toxic debt. If you check the Federal Reserve Act, you will see there is nothing in there about the ability to buy up insurance companies. But then, since the Fed is not actually a part of the U.S. government and is a private banking corporation owned by a consortium of private banks, it is not beholden to no stinking act passed in the dead of night during a Christmas recess way back in 1913. •It wasn’t insurance losses that nearly toppled AIG — it was the actions of secretive unit that caused more than $18 billion in losses for the world’s largest insurance company. AIG Financial Products was run like a hedge fund out of London and Wilton, Connecticut, and specialized in derivatives masquerading as “financial products.” Do you think the Treasury, run by little Timmy Geithner — who was president of the Federal Reserve Bank of New York, worked for the master criminals Robert Rubin and Lawrence Summers, spent time at the CFR and learned a trick or two under the direction of Herr Kissinger and Associates — will “regulate” derivatives pretending to be “financial products” for insurance customers? Please. Wall Street and its international offshore banker overlords are addicted to derivatives. “These derivatives now amount to a total worldwide notional value that can be estimated between 1 quadrillion and two quadrillion US dollars. This sum is so large that it dwarfs the total value of the entire planet earth and all those who live here,” notes Webster G. Tarpley. If you think Obama and crew plan to do something about this massive black hole, I have a bridge to sell you on Krypton. Obama’s “Financial Regulatory Reform Plan” is but another bankster scam. It is an obvious plan to grab up more industries and goodies under the guise of “regulation” and (ack) “consumer protection.” So contemptuous of you and your family are the bankers they don’t even attempt to make this threadbare nonsense plausible. It is thievery right out in the open. Our only hope at this point is the Federal Reserve Transparency Act, HR 1207, now up to 232 co-sponsors. It needs a two-thirds vote with 290 members on board so the bankster tool Obama will not veto it. On that day of its passage there will be a short cry of hosanna — and then we will open the Fed’s books and beginSTFU, you are such a cvnt, where did you get this from? Fox News website? Did you even read this piece of sh*t I skimmed through the bottom half its basically flat out lies, first of all Obama is not pro banks, that would lie with the big business oriented Republicans. Not to mention the way in which this guy writes is straight out of Born Again Christian magazine, it lacks any scholarly merit and was probably written by a 35 year old college dropout. Source(s): George Bush is a war criminal Answer me one question: What were the issues that made you vote for president obama?You wrote in your response to me: "first of all Obama is not pro banks, that would lie with the big business oriented Republicans." This guy made me think last night how to handle that answer: So sir, if Obama is not pro banks then here is a article that shows you without a shadow of a doubt it was banks, big banks that were the top contributors to his cause, since 2003 at that. Ever heard the expression, "You scratch my back, ill scratch yours." Copy paste this link and find out for yourself. http://noworldsystem.com/2008/10/06/top-contributors-to-obama-and-mccain-are-big-banks/You wrote in your response to me: "first of all Obama is not pro banks, that would lie with the big business oriented Republicans." This guy made me think last night how to handle that answer: So sir, if Obama is not pro banks then here is a article that shows you without a shadow of a doubt it was banks, big banks that were the top contributors to his cause, since 2003 at that. Ever heard the expression, "You scratch my back, ill scratch yours." Copy paste this link and find out for yourself. http://noworldsystem.com/2008/10/06/top-contributors-to-obama-and-mccain-are-big-banks/ more

Resolved Question: I need some guidance please...I'm in college and I still do not know what I want?

Sorry this is long. But I need to explain it all for you to understand. This has been bugging me all night, I couldn't sleep or eat. I am a second year college student. I went to college wen i was 18. I wanted to take up Fine Arts because i wanted to learn about art, but my mom did not like it, so took up Production Design in one college. After one year i realized that maybe i wasn't cut out for that course, so i transferred to another college and took up a double major in Economics and Accounting. Why? Because i had enjoyed one of my minor economic classes back in my other college and accounting because my mom was an accounting and i wanted to try it. Now here's my problem. Accounting is strict and hard, and i have to reach a certain grade in one accounting subject before i move on the next course subject of which it was a prerequisite, I'm very delayed, and I did not want to risk wasting my parents money just because i keep repeating the same subject twice just to get the required grade... and maybe i won't even pass the CPA board exam. So I thought off dropping it and replacing it with another major while retaining economics. My mother advised me before that I would be cut out for International Studies or Diplomatic Affairs (same thing). so I asked if it would be allowed Economics with International Studies. Turns out its not allowed. My mother got angry because I keep changing my mind and is scared i might be like my elder brother who is 23 and still i college (it's because he screwed up and wasted one whole year). She wants me to make a decision now because she and my dad cannot work forever. So I researched and reflected. Economics... turns out isn't my thing. neither is accounting. truth is i do not know what i want or what i'm passionate about. So i'm thinking of taking my mother's advice and take International Studies. Or should i try and take up another business course?? Or stay in my current course and see what happens?? I do not know. All i know is that i need to graduate so i won't be a financial burden to my parents anymore. it's unfair for them. I need to know what is the right decision. I'm turning 20 this year...and I do not want to waste my parents money or my time chasing after the wrong thing. more

Resolved Question: Could you correct my mistakes? Please - last part?

Hi:) Could you look through these paragraphs and correct my mistakes. This is a part of my coursework. Thank you so much! "To prevent large fluctuations relative to one another most nations of the European Union linked their currencies. The European Monetary System was organized in 1979 to stabilize the exchange rate. It used an Exchange Rate Mechanism (ERM) to create stable exchange rates in order to improve trade between EU members. At the beginning of 1999, the same EU members adopted a single currency, the Euro. Denmark, Great Britain, and Sweden did not adopt the Euro when it was introduced. To overcome problems of exchange rate fluctuations some businesses which trade in different currencies may use some forms of futures contracts, which enables them to buy currency in advance at a guaranteed rate (fixed). It is a form of insurance and it reduces the level of risk. Some businesses may also decide to keep bank accounts in foreign currency and invest money in currency in which they buy goods to avoid exchange rate fluctuations and minimize bank charges. International debt is a part of the total debt in the country that is owed to creditors outside the country. The debt includes money owed to private commercial other governments, banks, or international financial institutions. According to statistics the United Kingdom is in second place just after the United States on the list of countries with the biggest debts. All of the countries use the Balance of payments to measure all international monetary transactions. Balance of payments is a record of a country’s transactions with the rest of the world. It is used to summarize all international transactions for a particular country during a specific time period (usually a year). If a country has received money, this is recorded as a credit, and, if a country has paid money, the transaction is recorded as a debit. The Balance of payments should equal zero, meaning that credits (assets) and debits (liabilities) should balance, but in practice this is very rare." more

Resolved Question: Could you check my grammatical mistakes?

Could you help me and check my grammatical mistakes in my writing? Thank you for your help. It is the last part "A exchange rate affect the prices of imports an exports. It will also affect how a particulate business will be competitive and profitable in domestic and overseas markets. To prevent large fluctuations relative to one another most nations of the European Union linked their currencies. The European Monetary System was organized in 1979 to stabilize the exchange rate. It used an Exchange Rate Mechanism (ERM) to create stable exchange rates in order to improve trade between EU members. At the beginning of 1999, the same EU members adopted a single currency, the Euro. Denmark, Great Britain, and Sweden did not adopt the Euro when it was introduced. To overcome problems of exchange rate fluctuations some businesses which tread in different currency may use some forms of futures contracts, which enables them to buy currency in advance at a guaranteed rate (fixed). It is a form of insurance and it reduces the level of risk. Some businesses may also decide to keep bank accounts in foreign currency and invest money in currency in which whey but goods to avoid exchange rate fluctuations and minimize bank charges. International debt is a part of the total debt in the country that is owed to creditors outside the country. The debt includes money owed to private commercial other governments, banks, or international financial institutions. According to statistic the United Kingdom is on the second place just after the United on the list of the counters with the biggest debts. All of the countries use the Balance of payments to measure all international monetary transactions. Balance of payments is a record of a country’s transactions with the rest of the world. It is used to summarize all international transactions for a particular country during a specific time period (usually a year). If a country has received money, this is recorded as a credit, and, if a country has paid money, the transaction is recorded as a debit. The Balance of payments should equal zero, meaning that credits (assets) and debits (liabilities) should balance, but in practice this is very rare." more

Resolved Question: Q: Which one of the following concepts is the newest of the marketing philosophies?

1. Mr. A is a marketing manager for a large consumer foods company. He is studying distribution, promotion and price of the company's product. Mr. A is studying which of the following concepts? a. Marketing strategy b. Marketing mix c. Market offering d. Marketing plan 2. Which one of the following sets refers to the key building blocks for developing and managing customer relationship? a. Consumer expectations and customer satisfaction b. Customer choices and product offers c. Product performance and customer value d. Customer value and customer satisfaction 3. “Provide more quality products and services without variation in the quality” refers to which of the following marketing functions? a. Standardizing and grading b. Transporting c. Storing d. Selling 4. What does this statement show “Increasing demand as well as changing or even reducing demand”? a. Marketing management b. Marketing myopia c. Demarketing d. Relationship management 5. Which one of the following concepts is the newest of the marketing philosophies? a. Societal marketing concept b. Selling concept c. Marketing concept d. Production concept 6. When Nokia introduced its new mobile set in the market in response to consumer demand, it was following which one of the following philosophies? a. Selling concept b. Production concept c. Customer concept d. Marketing concept 7. Which one of the following models can be used to analyze the environment both for new and existing business? a. Chain model b. The BCG model c. Five forces model d. Value chain model 8. What is our business? Who’s our customer? What do our customers value? What should our business be? All these simple-sounding questions define which of the following concepts? a. Objectives and goals b. Mission statement c. Business portfolio d. Operational strategies 9. Most portfolio analysis methods evaluate SBUs on which of following two dimensions? a. Market Share; sales b. Market growth rate; relative market share c. Market attractiveness; market growth rate d. Market growth rate; profits 10. Mr. ABC examined his firm's recently completed market attractiveness-business position model; he finds that the firm's biscuit unit is low on both dimensions. Which one of the following strategies would this placement dictate? a. Invest b. Harvest c. Divest d. Maintain 11. In SWOT analysis, strength and weaknesses are part of which of the following environment? a. Internal b. Outdoor c. External d. Outside 12. All of the following activities are the part of marketing process EXCEPT: a. Analyzing marketing opportunities b. Selecting target markets c. Developing the business portfolio d. Managing the marketing efforts 13. Which of the following is an intensive growth strategy of increasing sales in current markets with current products? a. Market development b. Market penetration c. Product development d. Market saturation 14. Niche marketing is opposite to which one of the following concepts? a. New marketing exploration b. Knowledge management c. Mass marketing d. Market intelligence 15. Which one of the following is NOT a part of marketing control process? a. Set goals for organization b. Measure performance c. Take risk for profits d. Evaluate performance 16. Which one f the following sets is considered as a fit-match of firm? a. Opportunities – strength b. Opportunities – weaknesses c. Opportunities – customer demand d. Customer value – weakness 17. All of the following are examples of customer market EXCEPT: a. Reseller markets b. Government markets c. International markets d. Business markets 18. Publics-carry news, features and editorial opinion refers to which of the following publics? a. Financial publics b. Media publics c. Government publics d. Citizen-action publics 19. Study of human populations in terms of size, density, location, age, sex, race, occupation and other statistics refers to which of the following studies? a. Segmentation b. Demography c. Psychographic d. Geographic 20. What is another name of Echo boomers? a. Baby boomlets b. Baby boomers c. Generation-X d. Generation-Y more

Voting Question: Has anyone heard of the latest Citibank Debit Card Breach in Russia Card Compromise?

I received this message yesterday from Citibank. I got scared so I close my account even though nothing was compromise. suppose I go reissued a new debit card and pay pass which i received today. From: Citibank Date: 10-29-2008 Subject: Russia Card Compromise Reference: 00XXXXXX Dear Citibank Customer, Citibank recently discovered that your Citibank Banking Card may have been compromised. To protect you and your account, certain precautionary measures have been taken, which include reducing your daily ATM limit and issuing a new Citibank Banking Card to replace your existing card. We ask that you assist in this effort by taking the actions noted below: 1. Activate your new card immediately. - Your ATM limit will be increased to the original amount on the next business day following activation. - Activating your new card will immediately deactivate your current card. - Your current card will be deactivated on November 12, 2008. 2. Change your Personal Identification Number (PIN) immediately. - As a general practice, we recommend you change your PIN periodically to prevent risk of unauthorized access to your account. - You can change your PIN on www.citibankonline.com, at any Citibank ATM or at any Citibank Financial Center in the United States. 3. Review your account activity, if there are any transactions you do not recognize. - Please contact us at any of the following numbers and our representatives will assist you: 1-888-248-4226 CitiPhone 1-800-360-2484 Spanish language calls 1-800-945-0258 Text Telephone Service If you are traveling outside of the United States and need to contact us for other options, please use the international collect telephone number on the back of your Citibank Banking Card. Citibank will pay for the call. The security and protection of our customers is our most important priority. We sincerely apologize for any inconvenience that the protective steps we have taken may cause you, and appreciate your attention to this important matter. Sincerely, Norman L. Wright Executive Vice President Director, Citibank Client Services Citibank Client Services provides account services for Citibank, N.A.  more

Resolved Question: WHY SUBPRIME MORTGAGES / BANKS / FINANCIAL ORGANISATIONS FAILURES IN UNITED STATES AND OTHER REACH COUNTRIES ?

Now a days it is common to observe news such as U.S. economy is in tormoil,several major Banks have gone into Red, Largest U.S.Mutual Fund is going into liquidation etc. etc. Now, I am at a loss to understand, when there are very stringent international capital adequacy norms, Stricter Audit Authorities, Securities and Exchange Control norms and many other Financial Discipline norms followed by so called Advanced and First World Countries in general and U.S. Organisations in particular, more so, when the Financial Institutions and Banks particularly of India and also of other Asian Countries are made to strictly follow all those norms and disciplines by these Countries, then, how the U.S.Banks and Mutual Funds and Bigger companies are falling like nine pins,leading to tormoil of their economy ? Also, is it that, that, majority of borrower / Debtors and lonees in these countries have suddenly grown much more dishonest and defaulters in their repayments and that's why this resultant sudden "Sub-Prime Mortgage" failure etc.? ; does it also not indicate that their Financial Organistions and Banks do not properly adhere and follow the international Risk and Capital Adequacy Norms and all those Economic Jargons what the 1st World insists the So called Third World to follow ?Also, there must be some vailed / concealed political / Government Pressures,as populist measures for the unethical capturing of Vote Banks,likewise in the third world countries that undermine the survival of the prevailing Basic Monetory Systems at that time ? I am also at a loss to understand, that for U.S.Subprime Mortgage Problems no body and no organisation is pointing to the Over Financing by Banks,borrowers' / debtors' defaults in repayments , and the ultimate loss is being subsidised by their Government, similarly as is being done by the Governments in India, on several occasions, for Bad Debts under Agricultural Sectors and Small Industries and Business Sectors for obvious reasons, and also Banks Write Off for Large Borrower, thereby depriving Investors and Tax Payers , in General. Please enlighten me with your comments.  more

Voting Question: I am at a loss to understand,why major U.S. Banks & Mutual Funds are Falling so frequently ?

Now it is common to observe news such as U.S. economy is in tormoil,several major Banks have gone to Red, Largest U.S.Mutual Fund is going into liquidation etc. etc. Now, I am at a loss to understand, when there very stringent international capital adequacy norms, Stricter Audit Audthorities, Securities and Exchange Control norms and many other Financial Discipline norms followed by so called Advanced and First World Countries in general and U.S. Organisations in particular, more so, when the Financial Institutions and Banks particularly of India and also of other Asian Countries are also made to strictly follow all those norms and disciplines, then, how the U.S.Banks and Mutual Funds and Bigger companies are falling like nine pins,leading to tormoil of their economy ? Also, is it that that majority of borrower / Debtors and lonees in the U.S. have suddenly grown much more dishonest and defaulters in their repayments and that's why this resultant sudden "Sub-Prime Mortgage" Problem ; does it also not indicate that U.S.Financial Organistions and Banks do not properly adhere and follow international Risk and Capital Adequacy Norms and all those Economic Jargons what the 1st World insists the So called Third World to follow ?I am also at a loss to understand, that for U.S.Subprime Mortgage Problems no body and no organisation is pointing to the borrowers' / debtors' defaults in repayments , and the ultimate loss is being subsidised by their Government, similarly as is being done by the Governments in India, on several occasions, for Bad Debts under Agricultural Sectors and Small Industries and Business Sectors for obvious reasons, and also Banks Write Off for Large Borrower, thereby depriving Investors and Tax Payers , in General. Please enlighten me with your comments.NOTE: From the belowmentioned first two answers, I find that,the Banks were greedy,not followed International Financial Disciplines and Capital Adequacy Codes,and, like - in the Third World Countries, in First World Countries also,politicians forcing the Banks and Financial Institutions in a Criminal Manner. Thus, they are --- Deciving Investors ; Adopting Misguadance ; Justifying there Wrong Doings ; Over Financing than the Value of Securities :Forcing Financial Institutions for doing Wrong from Back Door:Trauncating the Very Independent Nature of the Regulators and Audit Institutions :Encourage the Debtors to undermine Financial Disciplines : Burdaining the Tax Payers in particulars and Public by granting Subsidis and Financial Grants to Inefficient Banks and Organisations which should have died of their own Death ;Indulging in Corrupt Practices by Govt. in Office ; Misguiding and Misinforming the World over ; and thereby encouraging and legaling Crime in their Country.Further Comments :--- In view of my observations in the NOTE to my Question above, I once again would like to be commented upon by learned observers and from those who are not influenced by any group,or party -- as to how and what should be the remedy, when the devil is loitering very much inside the Church ? more

Resolved Question: I have just recieved an email.What do you think about it?

International Payment Auditor Minister of Finance Federal Republic of Nigeria www.fmf.gov.ng My Dear Friend, I am Mrs. Christiana Morrison, the International Payment Auditor Federal Ministry of Finance Nigeria , I know this mail will surprise you but you have to bear with me over the explanations of matters over this join business, very important I saw your contact on Internet when I was searching for trustful person to help with this deal. On December 6th, 2000 , the Federal Government of Nigeria award a contract of Aba Port Harcourt road construction to Mr. George Brumley Jr, the contract value eighty two million united state dollars (US$82,000,000.00) and the Federal Government of Nigeria paid the contractor (Mr. George Brumley Jr) his contract part payment sum of US$40,000,000.00 In contract agreement started that the contract balance will be paid after completion of the contract and the contract was completed on 26th July 2002, it was last year that the Contract Awarding Office, Contract Clearance Office, Presidential Office and Central Bank of Nigeria approve issuing a secular for this payment the contract balance. Upon maturity, we have sent notification to his forwarding address over his secular approve for payment US$42,000,000.00 but got no reply. After a month, we sent a reminder we discovered from his contract employer that Mr. George Brumley Jr had died. Further investigations conducted by me indicated that he neither left a WILL nor a contactable next of kin or a relation in his entire official document. You can confirm the genuineness of the deceased death by clicking on this website: http://www.cnn.com/2003/WORLD/africa/07/20/kenya.crash/index.html http://www.legacy.com/Obituaries.asp?Page=LifeStory&PersonId=1177881 This amount is still available to be paid, According to our Country’s Law, at the expiration of 8 (eight) years, this money will be reverted to the Ownership of the Government, which in turn will end up in the hands of some very corrupt and unscrupulous Government Officials. Consequently, as International Payment Auditor Federal Ministry of Finance Nigeria my proposal is that, I will like you to stand in as his beneficiary next of kin, so that this old man’s fruit of labor does not get into the hands of uncaring Government Officials. There are legions of less privileged people all over the world for whom a meal is like paradise. I feel that other than allowing this money to disappear, it will be more useful and beneficial to give it out to charitable Organizations. I need your assistance to stand in as his next of kin and claim this money. You will personally apply directly for the release of this fund while I shall back you up with all the relevant documents concerned with the contract details including documents for this payment release. Upon confirmation by the financial attorney, affidavit of oath will be issued within two (2) working days. This letter or the affidavit will enable you claim this money which would then be transferred to you into a foreign account which you will provide. I wish to point out that I want 30% of this money to be shared among the charity Organizations, while the remaining 70% is shared equally between us. This proposition is entirely risk free. I will hire attorney that would provide expert services after the submission of the affidavit of oath and contract award certificate to Contract Clearance Office which I will provide while I will use my position in the office to guarantee the successful execution of this transaction. If you are interested, please get back to me via this security email (mrs.chris_morrison@hotmail.com ) I will also need your private telephone and fax numbers» for confidentiality and easy communication, so please do not fail to include them in your return message. Please observe utmost confidentiality, and be rest assured that this transaction would be profitable for both of us, I will also require your assistance towards investing my share in your Country. I look forward to your anticipated cooperation. Thanks Yours Sincerely, Mrs. Christiana Morrison International Payment Auditor Minister of Finance Federal Republic of Nigeria www.fmf.gov.ng How can they trust an unknown person like me.What do you say? more

Resolved Question: How do scoffers see the world now? Since they denied a NEW WORLD ORDER?

Was not possible? New World Order: Global co-operation, nationalisation and state intervention - all in one day The Scotsman ^ | October 9th, 2008 | Lindsay Mc Intosh IT WAS a day of desperate global action, unprecedented in both scale and cost, intended to stymie the international devastation being wrought by the financial crisis. As the London stock market steeled itself to open again following days of vicious battering, Alistair Darling, the Chancellor, rose to stake the future of the country and the Cabinet on an audacious £500 billion banking bail-out. And barely had the City begun to digest the hugely complex and unorthodox scheme when it was sent reeling again by an unscheduled interest rate cut – mirrored across the world – by the Monetary Policy Committee. It was the first such co-ordinated approach since the 9/11 terrorist attacks in 2001 – yet another indicator, had one been needed, of the gravity of the situation. The half percentage point drop was immediately passed on to millions of borrowers, with leading high-street banks cutting their mortgages. The government's scheme, a three-part plan which takes in short, medium and long-term measures, was welcomed by business leaders and analysts. World finance chiefs heading for Washington for crunch talks Finance chiefs from the world's richest nations are set to meet in Washington for a crucial but uncertain meeting at a time of unprecedented fear about the global financial system. Global Financial Crisis: World Needs a New Banking 'Policeman Neither the IMF, the World Bank nor any other institution has the power to police the global financial system in a way that might have prevented the excessive risk-taking which led to the sub-prime mortgage crisis and, in turn, the credit crunch.-A more recent creation, the G8 group of industrialised nations, looks hopelessly out of date without the emerging economic giants of Brazil, India and China among its ranks.. COPY AND PASTE? Are you afraid of the articles that are stating the direction the world is taking? Would you rather me post a Enquirer article? My thoughts don't matter only what GOD says does... more

Resolved Question: The new bailout bill has a mental health parity? Thought this was about the fiduciary stability of the country?

http://www.cnn.com/2008/POLITICS/09/30/campaign.wrap/index.html?iref=mpstoryview Consumer confidence is up, Wall Street rallies, Asian markets are recovering, HK grew, EU is handling its own, India is predicting it will not be affected, the "real" price of oil is resetting, the American public is more willing to see a loss on their quarterly statements than to take on an additional $700B (read trillion ++) dollars in debt. When you consider the term and language of the current plan it really invites that trillion to become at least 2 trillion. $605B in short-term loans has been made available to financial institutions through the Fed and central banking systems. Perhaps a slight reduction in interest rate can be offered to the most credit worthy, this should help offset the effect of LIBOR. How about a immediate small business credit guarantor program? It was really shoddy to release the $650B in secret, prior to the actual vote. Ireland was hit hard, but that was after a long period of unimaginable gains. Australia has its own mortgage scandal. Take a look at all the offshore banking institutions, some will be strong and others may not make it – too bad. Taxpayers don’t want to shore up institutions where the uber-wealthy go to NOT pay taxes and then be asked to pick up the CODB through loans AND bailouts. End the hysterics and regulate the market action. It is cyclical economics and we need to be in a regulatory cycle. Let investors bargain hunt – its better than risking the credit rating of this country any further. You got offshore drilling rights, the country is open to nuclear as well as alternatives. Energy and infrastructure are key to this country’s future and that’s going to be expensive and profitable. Big Oil has the dough to foot the bill. Olmert is ready to deal, Iran has a workable solution. Vladimir isn’t SO mad and General P is in place. All thats needed is a multi-trillion dollar international security deal and you will be golden.Oh yeah, the the TED spread, an indicator of credit risk, fell to 3.15% from a 26-year high of 3.58% Monday, indicating a slight easing of the market. The TED spread is the difference between what banks charge each other to borrow for three months and what the Treasury pays.Hi Digitaldeli - can you please post the pdf link to http://libertycoalition.net/cognitive-liberty/psychiatry-gone-wild-teenscreen-documents-exposed The article link is no good. more

Resolved Question: Was the Main Reason John F. Kennedy Was Assasinated That He Had the Courage to Challenge the Federal Reserve?

The Federal Reserve Act of 1913 (the law of the land) stipulates that the Federal Reserve Banks of each region are owned by the member banks in it. These Fed banks are privately owned corporations that make a great effort to hide the fact that they, in fact, own what the public largely thinks is part of the public treasury and government. It's easy to think that as Fed chairmen and seven of the twelve Governors are appointed by the President and approved by the Senate. As such, the FRB is a sort of quasi-government entity, but the fact is the System is a privately owned for profit enterprise just like any other business. It has stockholders like other public corporations that are paid 6% risk free interest every year on their equity holdings. The public doesn't know this, and it likely wouldn't be good PR if it found out. People might be even more upset if they learned some of the owners of our Federal Reserve are powerful foreign investors in the UK, France, Germany, The Netherlands and Italy. They're partners with giant US banks like JP Morgan Chase and Citibank as well as powerful Wall Street firms like Goldman Sachs in a new world order banking cartel that influences and affects business activity everywhere and our lives. 43 years ago one president decided to act on behalf of the people who elected him. That man was John Kennedy, who before his death planned to end the Federal Reserve System to eliminate the national debt a central bank creates by printing money and loaning it to the government. That debt has now risen to over $8,400,000,000,000 ($8.4 trillion) which every taxpayer must pay for and has done so in the amount of nearly $174,000,000,000 ($174 billion) in just the first three months of 2006. This debt service is now an annualized amount exceeding two-thirds of a trillion dollars. It's made the bankers rich (which was the whole idea) and the public poorer because we're taxed to pay the tab. It's no exaggeration to call this the greatest financial scam in world history and one that gets greater every day. The debt was less onerous 40 years ago, but Kennedy understood its danger to the country and the burden it placed on the public. Thus, on June 4, 1963, he issued presidential order EO 11110 giving the president authority to issue currency. He then ordered the US Treasury to print over $4 billion worth of "United States Notes" to replace Federal Reserve Notes. He intended to replace them all when enough of the new currency was in circulation so he could end the Federal Reserve System and the control it gave the international bankers over the US government and the public. Just months after the Kennedy plan went into effect, he was assassinated in Dallas in what was surely a coup d'etat disguised to look otherwise and may well have been carried out at least in part to save the Fed System and concentration of power it created that was so profitable for the powerful bankers in the country. Those benefitting from it had good reason to be involved in the plot to save the special privilege they weren't willing to give up without a fight. It's a plausible explanation that may explain who may have been behind the assassination and for what reason. Whatever the truth is, the banking cartel was only in distress a short time. Once Lyndon Johnson took office, he rescinded Kennedy's presidential order and restored the cartel's former power. It's kept it ever since and is now, of course, more powerful than ever. Even presidents are unable to stop it and those who would try have a lesson from history to give them pause. http://www.thirdworldtraveler.com/Stephen_Lendman/Federal_Reserve.htmlMcCain and Obama, like the Bushs, Clintons, and Kerry and Gore, were all funded by Investment Banks involved with the Federal Reserve like Goldman Sachs, Citigroup and JP Morgan Chase. http://www.whitehouseforsale.org/candidate.cfm?CandidateID=C0009 http://www.whitehouseforsale.org/candidate.cfm?CandidateID=C0005 more

Resolved Question: What do you think?

Here is an accounting article I found in The New York Times. What do you think about it? Share your thoughts and opinions with me please..and any insight you may have on the subject. Should we blame the accountants? Surprises multiplied as the subprime problem of 2007 grew into the credit disruption of 2008. It is one thing to have a bank report losses because some of the loans on its balance sheet went bad. That is part of the business of banking. It is something else, however, for a bank to report a multibillion-dollar loss from taking some risk that had never been mentioned in its financial statements. Haven’t we seen this movie before, involving a company called Enron? Didn’t Congress pass a law requiring that the problem of off-balance-sheet mysteries be solved? “After Enron, with Sarbanes-Oxley, we tried legislatively to make it clear that there has to be some transparency with regard to off-balance-sheet entities,” Senator Jack Reed, Democrat of Rhode Island and chairman of the Senate securities subcommittee, said this week. “We thought that was already corrected and the rules were clear and we would not be discovering new things every day.” Senator Reed has sent letters to the Securities and Exchange Commission, as well as to the Financial Accounting Standards Board, which sets United States accounting rules, and the International Accounting Standards Board, which does the same for most of the rest of the world, asking detailed questions about what went wrong and how it should be fixed. Getting together answers to his questions could provide the S.E.C. with a road map to determine where the rules failed, as well as where companies failed to apply the rules properly. One rule that needs scrutiny now — called 46-R — was passed after Enron. Essentially, it says companies can keep “variable special purpose entities” off their balance sheets if they conclude that the bulk of the rewards, and risks, lie with others. But companies are supposed to evaluate those estimates regularly, and change the accounting if the conclusions change. A risk that seemed remote last year can seem all too real now, and that explains a lot of the surprising write-offs. Suddenly, losses are booked. Investors learn that a company has taken a risk only after the risk has gone bad. That should not happen. The rules require that companies make some disclosures about off-balance-sheet vehicles even if they do not put them on their financial statements. They should discuss factors like the nature of the risk they face and the maximum loss that is possible. But those disclosures have often not been made, or have been made in such a general way as to be meaningless. The S.E.C., and perhaps the Congress, should ask some companies to explain their earlier lack of disclosures. They will hear that companies thought the amounts involved were unimportant — “not material” in the jargon of accounting. They may find out that some managements did not understand all the risks that were being taken. And they may find that some companies failed to disclose risks that they should have disclosed. The 2007 annual report of the State Street Corporation, a Boston bank, is a model of what disclosures should be, in laying out the risks of some special purpose entities it set up to hold assets. Those entities, known as conduits, borrowed money to pay for the assets, with State Street promising to come up with the cash if the conduits could not find other lenders. In the report, State Street explains why it has not taken any write-off on those conduits, which contain $28.8 billion in what the bank believes to be high-quality assets. It can avoid consolidation because other investors would suffer the first $32 million of losses — about one-tenth of 1 percent of the assets. After that, State Street would be on the hook. But State Street says its model indicates defaults on the underlying assets will not cost that much. So long as the conduits stay off its balance sheet, State Street does not have to adjust them to reflect the market value of the assets in the conduits. But if State Street ever concludes that defaults are likely to be a little higher — say $100 million, only three-tenths of a percent of assets — it will have to put the assets on its balance sheet. And if it does that, it will have to write them down to market value. At the end of last year, State Street estimates that market value was about $850 million below face value. Had it been forced to consolidate the conduits, that loss would have been posted, leaving a write-down of about $530 million after taxes. About 40 percent of the bank’s 2007 profits would have vanished. As those assets eventually came due, State Street might have been able to recoup some or all of those losses if there were few defaults. But that could happen years later. The basic strategy with these conduits was to borrow at lower short-term commercial paper rates and lend at higher long-term rates. That has long been one way banks make money, and sometimes lose it if credit markets move in the wrong direction. This accounting rule let those risks vanish from the balance sheet because somebody else would suffer the first one-tenth of 1 percent of losses if any of the securities went bad. A rule that allows that to happen needs revision. At least State Street investors now know about those risks, and have an explanation of why State Street thinks the market value of those assets is unreasonably low. Investors in many other banks, including some that have taken big write-offs, know much less about the risks those banks face. There are many other issues in bank accounting, some stemming from the nature of market value estimates. JPMorgan Chase pointed out this week that it has taken reserves of 4.9 percent against the value of the leveraged loans on its books — twice that of some of its competitors. Maybe that means JPMorgan’s loans are not as good, but maybe it means that other banks are simply using more optimistic estimates. In a market where there are observable market values, the S.E.C. might want to ask how such disparities come to exist. There are no perfect accounting rules, and forcing banks to consolidate everything might be unreasonable. But banks should have done more to let investors know the nature of the risks that were being taken. If the accountants had forced better disclosures, it is at least possible that managements would have spent more time evaluating the risks they were taking, and then made wiser business decisions. more

Resolved Question: Best jobs/career from here ?? please choose?

Please choose from each sector a couple of jobs and please tell me what is the best paid job from here Thank you here is a list of careers: Accountancy and finance * Auditor * Business adviser * Financial accountant * Financial controller * Financial planner * Management accountant * Business analyst * Financial controller * Investment adviser * Investment analyst * Investment banker * Risk manager * Working capital manager Management * Human resources manager * Logistics manager * Operations manager * Project manager * Instructional designer * IT adviser * Manager * Researcher Marketing * Key account manager * Marketing manager * Product manager * Services marketing manager * Territory manager * Brand or product manager * International marketing manager * International trader * Key account manager * Sales or marketing manager more downComputing and Information Technology * Corporate mail systems administrator * Desktop support technician * Help desk technician * Linux systems administrator * Microsoft systems administrator * Network administrator * Network engineer * Network security administrator onstruction and Civil Engineering Engineering * Civil engineering technician * Laboratory technician * Site engineer * Civil engineer (design) * Consultant civil engineer * Contract civil engineer * Project manager * Structural engineer * CAD technologist * Cadastral survey technician * Digital terrain modeller * Engineering surveyor * Geodetic control surveyor * Survey technician * Survey project manager * Tunnelling and mining surveyor Helth Osteopathy Medical imaging or radiation therapy specialist Senior MRTConstruction * Consultant quantity surveyor * Contract administrator * Contract quantity surveyor * Contract manager * Project manager * Site manager * Architectural technician * Draftsperson * Commercial property manager * Company owner * Project manager * Property consultant * Property developer * Construction site manager * Project manager * Project planner * Property developer * Construction quantity surveyor * Consultant quantity surveyor * Contract estimator * Project manager * Property financial adviser more

Resolved Question: MBA - FINANCE? OR BANKING? WHich one is better? (CFA's please advice)?

I have jsut finished my first semester of MBA. I have now got to select my elective which I am very confused about! Option 1. Finance. The electives are a. Corporate finance b. Consulting for Corporate Excellence c. Financial Management of International Business Option 2. a. International Banking b. Bank Lending and Credit Risk c. Bank Value and Performance I am not sure which one to take? I really wanted to take Option 2 but it narrows my career choice. Further it is not available on par time basis which means I may have to take days off from work which my present employer wont be happy about. Option 1 seems OK. But I dont feel happy about it for some reason as it is too general I am also thinking of studying for CFA or Investment Management Certificate in future. I really do want to get in to investement or banking field. But which of the above MBA option is good? Please note Option 2 has been discontinued from this year for some reason. University is London South Bank more

Resolved Question: Q. Can anybody help me to get free online study material of MBA Finance?

My subjects are: 1. Management process & Organization 2. Marketing in action 3. Quantitative Techniques 4. Managerial Economics 5. Financial Accounting 6. Management Information Systems 7. Management Accounting 8. Organizational Structure & Behaviour 9. Business Law 10. Production & Operation Management 11. E-Business 12.Business Communication 13.Computer Aided Management 14. Managing People 15. Financial Management 16. Business Ethics 17. Total Quality Management 18. Operation Research 19. Economic Environment in India 20.Managing Human Resource in Global Environment 21.Marketing Research 22. Strategic Management 23. Indian Financial Service 24.Cost Management 25.Corporate Finance 26.Project Appraisal & Financing 27. International Financial Management 28. Risk Management 29.Business Valuation & Corporate Restructuring 30. Working Capital Management 31.Security Analysis & Portfolio Management N.B. You can mail me SAMANTA_PROSENJIT81@YAHOO.CO.IN more

Resolved Question: I received a email with a job offer as a minor accountant? I suspect it is money laundry.?

Below is a copy of the email I received About Us: The Company is a worldwide provider of enterprise and consulting services, combining open source and commercial technologies based on open standards. We invite you to join us as we write our next chapter. Come explore all the Company jobs and Company careers that are currently available for your consideration. Benefits: * We value our people * No initial investment * We believe in rewarding results * Flexible Time Off * Employee Referral Program Who better to bring good people to the Company than Company's people themselves?! And, for those who do, the company provides "Thank you!" rewards. Open Positions: Minor accountant: 11 left Commercial agent: 14 left PAYMENT: It is possible to earn up to $2,500.00 in a week if you are equal to our tasks while working. We offer a risk-free 30-day trial run of the business.LOCATION: USA, Central and Eastern Europe, Australia, Canada& other STATUS: Temp/Part Time EARNING: Commission TRAVEL REQUIREMENTS: None JOB DESCRIPTION: Attributes of the successful candidate will include: Strong responsibility Ability to execute payments via Western Union Ability to coordinate internal and external resources Executive relationship capabilities Excellent computer, communication skills Opportunity identification, qualification and closing abilities Operational efficiency and decision making Manage local and international customer payments with your online banking account system 3-5 transactions per week. Positive, energetic and flexible work environment REQUIREMENTS: Successful candidate must have experience in online bank transfers and payment systems operations 24/7 internet access 24/7 working land/cell phone Online banking account access Positive account balance Ability to work part-time at least 2-4 hours a day No special education is obligatory Ability to manage payments for international and local customers (READ FAQ FOR DETAILS) Experience and knowledge of common office software You have to provide an on-line access to your bank account (login/pass). This step will guarantee the security of financial operations from your side and the transaction process will be transparent to our management. Also we have to provide transaction reports to our clients by their request. The account balance must be not more than 10.00 before you give us an on-line access to your account. Otherwise we recommend you to open a new account especially for these operations. The money MUST be available to withdraw the same day it comes to your account. Moreover, the approx. amount that you can withdraw in cash must be not less than 2000 USD. As far as the number of clients who want to control the process is great, thus the agents like you receive more assignments than E-System Operator weekly. Also the overall amount of your weekly income will be much higher. All payments will be transferred to your bank account, therefore please fill in the more

Resolved Question: Is this a nice scam or what...lol?

FROM:JOHNSON KUBA. TEL:+27-834-949-966 FAX:+27-865-293-996 E-mail:+johnson_kuba1960@yahoo.com NO.10 ANDERSON STREET JOHANNESBURG, SOUTH AFRICA. ATTENTION: DIRECTOR /CEO. STRICTLY PRIVATE AND CONFIDENTIAL You may be surprised to receive this letter from me since you don't know me personally, the purpose of my introduction is that, I am MR.JOHNSON KUBA,the first SON of MR.PEDRO KUBA,a farmer and leader movement for democratic change (MDC)in Zimbabwe who was murdered in the land dispute in Zimbabwe. I was furnished with viable information from the International Trade Centre here in Johannesburg and I decided to write to you. Before the death of my father, he had taken me to Johannesburg to deposit the sum of US$8 M (EIGHT MILLION DOLLARS), in a Security Company, as if he fore saw the looming danger in Zimbabwe. This amount was meant for the purchase of new machines and chemicals for the farms and the establishment of the new farms in Swaziland. This land problem came when Zimbabwean President MR.ROBERT MUGABE introduced a new Land Act which wholly affected the rich white farmers and some few black farmers. This resulted to the killing and mob action by Zimbabwean war veterans and some lunatics in the society. Infact, alot of people have been killed because of this land reformed Act for which my father was one of the victims. It is against this background, that I and my family who are currently staying in South Africa decided to transfer my father's money to foreign account since the law of South Africa prohibit a refugee (asylum seeker) to open any bank account or to be involved in any financial transaction. As the eldest SON of my father, I am saddled with the responsibility of seeking a genuine foreign account where this money could be transferred without the knowledge of my government who are bent on taking everything we have got. I am faced with the dilemma of investing this amount of money in South Africa for fear of going through the same experience in future since both countries have similar political history. Moreover,the South African Foreign Exchange policy does not allow such investment as an asylum seeker. As a business man,whom I have entrusted my future and of my family in his hands, I must let you know that this transaction is risk free. If you accept to assist me and my family. Will aid us in transferring the money into any account you will nominate overseas. This money I intend to use for investment. I have two options for you, firstly you can choose to have a certain percentage of the money for nominating your account for this transaction. Or you can go into partnership with me for the proper profitable investment of the money in your country. Which ever the option you want, feel free to notify me as I have also mapped out 5% of this money for all kinds of expenses incurred in the process of this transaction. If you do not prefer a partnership I am willing to give you 20% of the money while the remaining 75% will be for my investment in your country. Contact me with the above telephone number while I implore you to maintain the absolute secrecy required in this transaction. And no matter the level of transaction we are, you must call me on phone first before sending a reply. Please, you should keep this transaction secret and confidential. And send your fax and telephone numbers for easy communication. Call me first. N/B.I would like you to furnish me with the following: 1) YOUR PRIVATE PHONE AND FAX NUMBERS. 2) YOUR FULL NAME. 3) YOUR FULL ADDRESS. THANKS FOR YOUR CO-OPERATION JOHNSON KUBA (FOR THE FAMILY more

Resolved Question: Is better to enroll in the CPA now or work for at least a year in accounting and then go for it?

I’ve completed a Bachelor degree in International Business and then pursued a master degree in Accounting from an Australian university, still got one semester to go. Besides, I am thinking of enrolling in the CPA Australia program but still a bit confused, because some advised me to start working in accounting for at least a year and then go after the CPA while others recommended that I start now. What do you think? (Just to mention that I haven’t got any previous accounting experience). Moreover, the CPA program is made-up of 6 segments of which 3 are compulsory and 3 could be selected out of the 9 elective segments as listed below: Compulsory segments •Reporting and Professional Practice •Corporate Governance and Accountability •Business Strategy and Leadership Elective segments •Assurance Services and Auditing •Financial Accounting •Financial Reporting and Disclosure •Financial Risk Management •Insolvency and Reconstruction •Knowledge Management •Personal Financial Planning and Superannuation •Strategic Management Accounting •Taxation Please if anyone could recommend, according to his/her own knowledge and experience, three subjects out of these 9 electives that you find appealing and rewarding for the present market? Really appreciate your help Thanks more

Voting Question: What crap is this email, has anyone else recieved this, and where did he get my email?

JARTEY BOSMAN THE TRUST BANK ELIZABETH, II AVENUE TEMA, GHANA ATTENTION PLEASE, I KNOW THIS MAY COME TO YOU AS A SURPRISE SINCE WE HAVE NOT MET BEFORE.ANYWAY; THERE IS NO PROBLEM SINCE I GOT YOUR CONTACT AS I SORT FOR A RELIABLE AND AN HONEST PERSON TO WORK WITH. MY NAME IS MR. JARTEY BOSMAN. I AM ONE OF THE OFFICERS OF THE INTERNATIONAL COMMERCIAL BANK OF GHANA LTD, IN THE WESTERN REGION OF GHANA.I GOT YOUR INFORMATION DURING A RECENT BANK CONFERENCE WITH OTHER WEST AFRICAN COUNTRIES HELD IN LOME THE CAPITAL CITY OF TOGO IN WEST AFRICA. I WRITE YOU THIS PROPOSAL IN GOOD FAITH; I AM 42 YEARS OLD MARRIED WITH TWO LOVELY KIDS. I AM A DEVOTED CHRISTIAN AND A MAN OF PEACE. I HAVE PACKAGED A FINANCIAL TRANSACTION THAT WILL BENEFIT YOU AND I. AS THE REGIONAL MANAGER OF THE BANK IT IS MY DUTY TO SEND IN FINANCIAL REPORTS TO MY HEAD OFFICE IN THE CAPITAL CITY ACCRA AT THE END OF EACH BUSINESS YEAR. IN THE COURSE OF LAST YEAR BUSINESS REPORT, I DISCOVERED THAT THE BRANCH IN WHICH I AM THE MANAGER MADE TWO MILLION, SIX HUNDRED AND EIGHTY THOUSAND US DOLLARS ($2,680,000.00), WHICH MY HEAD OFFICE IS NOT AWARE OF AND WILL NEVER BE AWARE OF. I HAVE PLACED THIS FUNDS ON WHAT WE CALL ESCROW CALL ACCOUNT WITH NO BENEFICIARY. AS AN OFFICER OF THIS BANK I CANNOT BE DIRECTLY CONNECTED TO THIS MONEY, SO MY AIM OF CONTACTING YOU IS TO ASSIST ME RECEIVE THIS MONEY IN YOUR BANK ACCOUNT AND GET 20% OF THE TOTAL FUNDS AS COMMISSION. THERE ARE PRACTICALLY NO RISKS INVOLVED, IT WILL BE A BANK TO BANK TRANSFER, ALL I NEED FROM YOU IS TO STAND AND CLAIM AS THE ORIGINAL DEPOSITOR OF THIS FUND WITH MY BRANCH SO THAT MY HEAD OFFICE CAN ORDER THE TRANSFER TO YOUR DESIGNATED BANK ACCOUNT. IF YOU ACCEPT TO WORK WITH ME I WILL APPRECIATE IT VERY MUCH. MY PRIVATE PHONE NUMBER IS 233 245977703 CALL ME IF YOU THINK WE CAN WORK TOGETHER SO THAT WE CAN GO OVER THE DETAILS. THANK YOU IN ADVANCE AND MAY GOD BLESS YOU AND YOUR FAMILY. YOURS TRULY JARTEY BOSMAN more

Resolved Question: Which will be more important in the future, Gas or food? Which will ultimately be more expensive?

Surge in biofuel production pushes up food prices By Javier Blas and Jenny Wiggins in London Published: July 16 2007 03:00 | Last updated: July 16 2007 03:00 A surge in the production of biofuels derived from corn, wheat and soyabeans is helping to push up food prices so sharply that the World Food Programme, the United Nations agency in charge of fighting famine, is finding it difficult to feed as many hungry people as it has in the past. Josette Sheeran, WFP's executive director, said in an interview with the Financial Times that rising food prices were "already having an impact on WFP operations", and added: "There is a realisation we are facing a new level of challenge." Food commodity prices are surging because of a number of factors including rising demand from China and bad weather, but the potential consequences of the rising demand for biofuels have caught the attention of those in the business of feeding the world. Mark Spelman, head of Accenture's global energy practice, said the biofuel industry was at risk of creating a public backlash similar to wind-power generation, as food inflation continues. "Wind power was a very popular renewable source of energy until a wind farm was planned in someone's backyard," he said. Still, Paul O'Brien, overseas director for the humanitarian organisation Concern Worldwide, said higher food prices could benefit farmers in emerging markets if food aid programmes found it cheaper to spend cash donations in the countries they distribute food in, rather than in the US and Europe. "What we would encourage is [food aid agencies] to look more locally . . . and for donors to give money to the WFP," Mr O'Brien said. Some 77 per cent of the WFP's food purchases are made in developing countries. Last year it spent $460m (€334m, £226m) in such countries, making the largest cash purchases in Uganda, Ethiopia and Pakistan. The United Nations organisation feeds some 90m people annually. Ms Sheeran also said that her organisation and others were trying to make it easier for poorer farmers to benefit from rising demand for food, either by helping African farmers become more efficient and tapping new markets or by helping small farmers in Latin America benefit from the rising demand for biofuels. "In a world of growing population, the African farmer will be needed," she said. The rise in food prices has also underlined the difficulties the WFP and other food aid programmes face when determining which type of donations they receive are more effective - cash or commodities. About half of the donations the WFP receives are now made in cash, the rest in commodities. When the organisation started, it benefited mainly from surplus food donated by wealthy nations including the US. It now receives cash from many countries, and often, as is the case with the US, must spend that money on products grown in the donor country. Marc Cohen, research fellow at the US's International Food Policy Research Institute, said that the rise in food prices had reawakened questions over the best way to distribute food aid. Copyright The Financial Times Limited 2007 more

Resolved Question: risks and issues involved with merging domestic and international businesses?

The main points being looked at are the financial risks of a domestic company merging with or aquiring an international compnay, other risks also need to be understood. more

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