Electronic money

on banks for money transfers, online payments, money withdrawal or just savings, we are giving them trust; we have to trust that the bank will not go bankrupt and that our money would always be available for us; furthermore, we have to provide all our personal details, trusting that those will not be disclosed without our agreement. If we wanted to avoid using banks as intermediaries, we would have to keep all our savings in cash, which means it would be impossible to transfer money for a low…

exactly what they want to do, have or be with their life. They might say that they want to make a lot of money or would like to live in a big fancy house etc, but the truth is they don't really know what they want. These are just day dreams they're not definite goals. The first thing you need to do is grab a pen and paper and write down what you truly desire. Dream Big - What would you have or do if money or time were no object? List down every detail and include all your senses for example it's…

We all live extremely fast paced lives; we try keep dodging demanding businesses and maintain worst of most working with the every day road rage and techno-savvy kids. Folks are more stressed than in the past. Given the additional financial pressure of encouraging a family though it's not surprising, and paying the mortgage in the current global downturn. A recent survey conducted by the American Psychological Association shows that 80% of Americans are worried about the economy, due to the…

Cash Flow: The Direct Method – Arden Group, Inc. Cash is the life blood of a business; having cash, a firm has more buying power, without necessarily having to borrow money. When a firm does borrow money, cash provides some protection against loan defaults. Having cash on-hand is important, “but cash flow indicates an ongoing ability to generate and use cash” (Kokemuller, 2018). One of the key measures of cash is the statement of cash flow, which has become a key financial statement that…

Actual productivity on non-working days remains only for attendance. Even the Work-From-Home culture is exploited by established employees for self-comfort. Though HSBC boosts of having the compliance etc abiding in place. It’s still facing upcoming money laundering, regulatory, fine issues etc. Rules are meant to be broken is clearly shown by HSBC. Its talk’s doesn’t match its practicality.…

children or pets, especially if the family continues to expand. A townhouse, however, may be too much maintenance for a single person who spends a lot of time out of the house. If you don’t plan on starting a family, it will feel like a waste to spend money each month on rooms you aren’t using. Although if you require office space to run a business or if you have always wanted your own library or exercise room, this is another advantage of townhouses, as you can have your own space which doesn’t…

The road to freedom is a very rough path. Many have it and some do not. Too many freedoms are worth more than gold and to obtain this is worth the risk. For Papken Infarbian or formally was known as Azo in Muslim went through the trails to survive and obtain freedom to live with his bloodline. Azo was born in 1906 in Amasia, Turkey. He grew up during the trails of World War I and a target on his Armenia bloodline. When he was forced out of his home in 1915 young Azo was forced to see the horrors…

debt coming out of college, but he wants to know where his money goes. In his second year, he currently has $10,000 in subsidized…

unexpected expense. A study conducted by the Federal Reserve found that 47 percent stated that they could not cover even a $400 unexpected expense without having to borrow money or sell their possession. Although many people turn to payday lenders to cover emergency expenses, a better plan…

Bond Valuation Bond is one of the long term-liability. It is a type of debt or promissory note issued by the borrower that promising to pay its holder a predetermined and fixed amount of interest at fixed interval (6 months, 1 year) and pay the par value at maturity. Bond also is referred to as public debt because they can be traded in the public financial markets. Bonds can be classified in a variety of ways. There are unsecured and secured bonds. The unsecured bonds include debentures,…