Finance

This semester I had my first work experience related to my field of study. I interned with Morningstar which is an independent provider of investment research, financial information on mutual funds, stocks, exchange-traded funds and multiple saving plans (Morningstar 2016). Morningstar’s mission is to provide software, reliable information on its investing site, online and print-based products for individual investors, professional advisors and institutional clients. It has offices in 27…

2.2. PESTLE ANALYSIS 2.2.1. POLITICAL FACTORS Life insurance industry is affected by many political factors. In political sphere, hike in FDI limit up to 49 percent but, the Parliamentary Standing Committee on Finance has rejected foreign direct investment (FDI) to 49 per cent, in the Insurance Laws Bill (Amendment) 2008 (News, 2011). Increase in FDI limit attracts foreign investors and provide fund for penetrate in market. Insurance companies need capital to expand and penetrate their…

BAWAG $1.10 Billion Losses BAWAG is a private limited bank and is an entity in the financial and insurance sector. Established in 1922 in Austria, it has its headquarters in the capital city - Vienna. Some of the services that it offers are investment banking, commercial banking, private banking and asset management. BAWAG offers online banking facility along with online support for customers. Few years ago, BAWAG suffered a huge amount of losses owing to having used unreasonable investment…

to commit a fraudulent act until they are caught. It is also a story that will forever be told and used as a learning guide for investors and others within the financial industry. The term “Ponzi scheme” is one that is often heard in the world of finance. It comes from the fraudulent act committed by Charles Ponzi in the early 20th century. ( Ferrell, 2009) Charles Ponzi is believed to have been the first to successfully pull off such a scandal. Some would say that while Charles Ponzi created…

until you spot lucrative opportunities. Actually, many professional traders also avoid doing business during this time period. 5. Beginners should stay away from margins – When a trader uses a margin, he will be borrowing funds from his broker to finance his transactions. Full-time traders are often permitted to utilize 4:1 margins during a single market session. For example: if you have a $25,000 trading account, your brokerage company will give you sufficient purchasing power to buy $100,000…

Principle #11 from Chapter #3 The Cost of Making Minimum Monthly Payments: Is crucial that this family understands that is crucial to pay the debts as fast as possible. Minimum payments increases the amount of interest payed and delay the debt in years to be extinct. There is no benefits at all in making minimum payments, it only makes the banks receive more money from us. Principle #12 from Chapter #5 Use Credit Wisely: Credit might be beneficial if used wisely, It can be used in emergencies…

COMPETITIVE LANDSCAPE Demand is driven due to the business , leisure travel, and housing market. Profit of the companies depends on their efficient and effective operations and the ability to finance inventory needed for the operations. Big companies uses economies of scale in acquiring vehicles and customers. Small companies can compete by providing better service, alternative products, or by lowering the prices. The US industry is concentrated highly, the 50 largest companies generate more…

As I was watching James Bond Series, I realized, do I know anything about the bonds? And then I admitted to myself that I do…technically yes!!! Bond: Bond is investing in an entity/asset for a fixed period of time and obtaining additional income through it, like interest. They are one of the perfect ways to increase time value of money. Time Value of Money: As and when the cost/ market value of a product increases the value of money decreases. But through investing money in the investment…

affairs. This separation between art and business fails to view art as a form of business, one which generates high revenues and contributes significantly to the economy of the community. As art is commonly presented in a dichotomy with business and finance, the role of an arts manager, someone who must walk the line between these two radically different ideas, becomes muddled, and it is difficult to interpret how much artistic involvement the job entails. “The difference between the artist…

ACCOUNTING AND BUDGETING It is imperative that a nursing home Administrator understands the concept of accounting and budgeting. The Administrator must have a thorough understanding of the financial process. While the decision-making processes of nursing home administrators tend to revolve around the needs of senior residents, they must also balance the needs of personnel to be equally effective. Nursing home administrators also take charge of the financial aspects of their facilities by…