Banks Financial Analysis

Tenant credit and lease (CTL) or conventional loan (Bank)? - What is the best deal for my NNN

many good quality, single tenant, net leased property to qualify for each of the credit tenant lease (CTL) finance and commercial real estate lending traditional. Property investors to consider the pros and cons must all net rental before you decide what kind of loans to comply.

CTL lending is generally the best long-term income investors who want a durable, high leverage, fixed-rate, fully amortized financing and desires the speed and certainty of implementation. Bank lending is the primary has less expensive (but not in general) and can offer a wide range of terms and conditions. Banks are better for investors who need options, you do not need as much of the momentum (a large down payment available), and those who are not sure whether to hold the property long term.

and the difference

lending CTL combines aspects of commercial real estate lending with a specialized investment banking services, in order to close deals. The bank issues CTL and sells private placement companies that are secured by real estate lease on the bonds. And it used the proceeds of selling bonds to finance commercial real estate loans to the borrower. And it manages the loan by the guardian of a third party throughout the life of the deal.

traditional commercial mortgages are standard loans secured by liens on real estate mortgage, and income producing real estate and credit of the borrower. Banking institutions originate a loan deal and financed either by selling the loan to the investor (private or government) or by lending money, and holding loans in its portfolio.

Crane

current credit crunch forced banks to tighten lending standards. It is highly unlikely that the commercial bank will provide more than 75% loan-to-value (LTV) on any deal today. Banks have no incentive to take unnecessary risks. They can borrow money from the Federal Reserve (Fed) in the 0% percent and buy Treasury bonds in 10 years to earn 2% risk free 2 points. It will pass on the high-leverage loans are only offered where they have large amounts of protective shares. And

CTL lenders will lend up to 100% LTV (rent valuation fees) on a non-recourse basis. They are in the business of lending, the current cash value of a full lease (on revenues in the future guaranteed). Bankers CTL, without a doubt, make higher loan deals in commercial real estate finance industry.

speed and certainty of implementation

CTL loans can be closed in about one third of the time it takes to close the traditional commercial mortgage. It is known that deals CTL to be completed from start to finish, in such a few of them to 45 days (unheard of in the world of commercial banking services), but generally take 60

Bank loans take in less than 60 days, and sometimes 180 or more. Also, because the CTL either qualify or not transactions, a bank can give the borrower a solid yes or no very quickly. There are a thousand ways a bank loan can fall through but, once committed bank CTL agreement and the borrower expect to go out, there are near 100% certainty of implementation.

resort

CTL loans are all non-recourse guaranteed income from the lease loans.

Bank loans are usually, but not always, standard and credit driven, full recourse loans with liens against the borrower as well as real estate.

cost

CTL loan will be due to the high initial costs of the investment banking side of the transaction and the fact that a third party should be concerned with values. However, over the life cycle of the property, CTL tends to be less expensive because you will not have to refinance. At the end of the loan CTL owns Freehold borrower clear.

it is necessary to recapitalize

bank loans or paid off at the end of each semester, usually 3.5, 7 or 10 years. The need to refinance often leads to higher overall cost of capital.

flexibility lending CTL

somewhat less flexible than standard bank loans. And it regulates the securities sold by bankers CTL by the securities industry and insurance industries. CTL lenders must comply with very strict standards and are not allowed to deviate from the standards. Qualifying transaction for CTL or they do not. There is no leeway

be

banks generally lend many platforms available to them; they are able to allocate a loan to a particular situation or a particular property.

conditions

banks can offer self-extinguish loans but overall issuance of mortgage loans with a 3.5 0.7 10 years or amortized over the maturity of 10-25 years with balloon payments due at the end of each semester. Banks can also provide the prices are either fixed or adjustable.

CTL loans are all fully amortized, fixed rate loans and long-term conditions coincides with the lease.

In summary

banks offer a wide variety of loan products, and can loan against more types of properties and tenants. Bank lending also tends to be less expensive in the short term.

On the downside, banks are not inclined to make loans LTV is high, and will usually require the borrower to secure loans. Moreover, bank loans, is also known for fall through and not to close any number or reasons (or no reason at all).

CTL loans rigid eligibility criteria but closely with the near 100% certainty. It closes faster and less expensive over the life of the agreement. Bankers CTL put any restrictions on LTV and LTC (loan-to-cost), a non-recourse loans. Also, it must be pointed out that the CTL loans administered by the Board of Trustees of the third party throughout the entire life of the loan. Trustee will collect rent, pay the mortgage and the distribution of income to the borrower every month.

CTL loans are the best to buy and hold investors who want to lock in today's rate of decline in the long term. It is also suitable for investors who need to finance high debt or who are looking to close as soon as is possible.

Bank loans are best for investors with transactions that need to be some flexibility in the underwriting process. Bank loans will cost less upfront and more deals will qualify. Banks offer more options loan to qualified borrowers.

single tenant, net investment rental properties who understand their options will be well equipped to make the best decisions for themselves and finance their businesses.

Different types of personal loans in India

money always plays the most important role in human life. The desire to satisfy personal needs and come to mind everyone but ensure that it is not always possible. But in a country like India, which can not be an obstacle to achieving the wishes of the family. Because there are hundreds of banks and other financial institutions in the country who provide loans for personal reasons. It is known that these types of loans personal loans. India's impact on one of the top positions in terms of providing this type of loan.

personal loans are simply those retail loans which are provided for the purpose of meeting the needs and personal expenses for individuals (prospective borrowers). And it offers personal loans in India in the first place under the five main categories. Although the amount of the loan and the interest rate varies from one bank to another, but the purpose of providing these loans are the same. Aside from personal purposes, if a person wanting to create his own company also owns then Indian banks are always welcome through the provision of loans to start a business. Here, we will discuss about these types of loans

consumer durables loans: - The provision of these types of loans for the purchase of durable consumer products such as TV, music system, washing machines, and so on. This is one of the unique loans that are provided by the Indian banks to attract more and more people towards them type. Under this category of personal loans, you will get the amount ranging between Rs.10,000 to Rs.1,00,000. But there are many banks that offer a minimum of Rs.5,000 and the maximum amount of Rs.2,00,000 under this loan. These banks offer loans for a maximum period of 5 years

loans Festival: - The provision of this type of personal loans to help people achieve their personal and family wanting to time during the festival. Usually, the leading banks in India offer this holiday season on loan at cheaper price or discounted. This is the best type of loan for those people who wish to take advantage of a small amount of the loan. Under this category of loans, banks do not provide the minimum Rs.5.000 and you can get the maximum amount of Rs.50,000 under this type of loan. But the festival loan up to 12 months is limited. Payment that is equal monthly installments (EMI). Interest on this loan rate varies from one bank to another

loans Marriage: - At present, this type of personal loans and equal access to popular among the people of the urban and rural sectors. The loan amount depends on several factors, including the age of the applicant, and the security pledged by the applicant (the loan if the content), and the ability to repay the applicant etc. under the Marriage loan, the interest rate is governed by the prevailing market price at the time when the loan is disbursed

pension loans: - there are many banks in India which takes care of people who are between the ages of old, too. This is the reason that people who have retired from their jobs will also be able to take advantage personal loans . This is called a type of loan pension loan. Under this type of loan, and provide banks the maximum amount of up to 7-10 times the amount that was received as of last pension

personal computer loans: - in this age of information technology revolution, and there is a owned computer becomes a quasi necessity. There are many Indian banks offering loans that meet the wishes of the people. Under this category of loans, so the amount of Rs.1,00,000 can borrow. Banks also offers a separate loan to buy software that can be made to the amount of Rs.20,000. The interest rate is calculated according to the benchmark lending rate, and there are some banks who charge an additional 2% of the loan amount.

So, from the above discussion, one thing is quite clear that whatever your purpose is your and whenever you need to cover your financial expenses, Indian banks are always ready to deploy a helping hand for you.

The use of security cameras in banks

in the end, you will get caught. This is partly because the rationale for cameras protection in the first place. And obtaining higher security cameras in the technical field and can zoom in or out, and even make the still images are focused higher if the reception was not clear at the concert want it. And most of them in the same bank we all work together, and can be rotated from one place to another. Often called the panning room. It is designed, when a few minutes or seconds to turn on and continue monitoring operations of the bank, and sounds, as well as ATM external devices and also drive through.

Some banks have monitors where the cameras are literally all connected in a network system each individual show their point of view. While some of the other security agencies, and in both cases are forever monitor security cameras closely monitored in. It amazes me how ignorant these individuals will be. And usually it is reset security cameras every evening if you could understand the way you work in banks and financial institutions. This has straps that are dated. Then brand-new tape ready for the evening, and repeated the way once again in the morning hours before the opening. There is also a security camera on the obtained from the ATM at the bank, and after all there is still a lot of those in a campaign across the region.

some banks use security cameras as people are leaving as well. It's really at the entrance surface area, and thus either in one direction between the safety of the camera goes on trying to get you. There's no way around it. If after all that really stole a bank or financial institution, the authorities raise the main issue I have a copy of any CCTV footage or to the bank or financial institution tapes might be. And then take these tapes or footage and review work if they will get a reasonable picture of the suspect. In most cases, there is not enough footage captured on camera to protect the formation of a positive identity of the person or persons who committed the crime if there is after all a lot of one-person robbed a bank or financial institution.

can not even be seen some of the security cameras. This is about a world where the actual money is kept. And they addition, in many of the places that did not disclose to the public at all.

banks do not "overdo it" with security cameras to monitor, but I can tell you that there are a number of additional of those at the very bank than we realize literally.

Why bookkeepers and accountants use double entry bookkeeping

double-entry bookkeeping stretches back centuries and perhaps even as early as the 12th century, and now accepted worldwide as a standard accounting to be used by All companies registered in financial accounting records. The first written explanation of the accounting system is said by Venetian mathematician Luca Pacioli at the end of the 15th century.

accounting industry has grown somewhat since then and today contains many well-known technical words but ignored the largely non-accountants. The confusion between the understanding and the desire to understand accounting terminology more from the banking sector with the adoption of double-entry bookkeeping as standard use what seems to be the conditions on opposite sides of the display information to their clients.

in accounting terms of origin, such as money in the bank is a debit balance, while bank customers said if they have money in the bank is a credit balance. This arises because what the bank really saying is when the client has money in the bank, which represents the credit balance of the Bank as the customer owes money, a creditor in the banks books. Hence the bank describes the balance of credit balance.

The simplest way to understand double entry bookkeeping is to understand that all financial transactions have a dual effect. And the implications of changing the profits and losses of the company with a sales increase of financial profit and the purchase limit of financial gain income. While the double-entry is that all profit and loss transactions also has a balance sheet effect in either increasing assets or increasing its commitments in.

in the areas of accounting more complicated, such as journal entries, bank transactions on both sides of the transaction has no effect on the profit and loss account may be at both sides of the double-entry affects the value of the assets on the balance sheet. For example, when a creditor is paid reduces the bank balance and the amount owed by the business reduces by the same amount.

greater value than double entry accounting business is its ability to show profit figures from the business to generate improved financial and administrative performance while also produced a statement of assets and liabilities. These factors are very important for accountants despite the fact that the biggest benefit of an accountant is that because every transaction has to enter an equal and opposite imminent athlete can be produced to ensure the registration of all financial transactions accurately. This mathematical balance is when all financial accounts listed that have been entered into on financial transactions, said even if all transactions to enter a valid product is zero. This is called a trial balance.

function clerks accounts and the accountant is to record key documents such as sales invoices and purchase invoices in the financial books. It must also be the introduction of cash and bank records. For each entry, there must also be the opposite entry in the commercial financial books such as book sales and purchase ledger and held the bank.

accounting program is essentially a database of these financial transactions automates the double entry enabling a single transaction be entered once by the user, but creating a second entry in the financial accounts of the company. Using accounting software that all but the smallest companies adopt standard business tool ensures greater accuracy, usually the trial balance produces self-balancing since the accounting software always produce equal to enter the second one being the contribution of the financial system.

accountant's mission is to first and foremost ensure the income of key documents carefully and then interpret the results produced by the trial balance in the financial statements and reports in a form that helps the financial management of the company and make sure that this financial figures also represent a true and fair view of the financial position.

limited companies must balance sheet produced under different financial businesses and provide balance sheet of all companies of Representatives and the IRS each year. And apply different rules for a limited company as compared with self-employed work because the accounts including balance sheet are public records available to the members of that company and not necessarily belong to one individual or partnership.

self-employed business in the United Kingdom is not mandatory required to produce a balance sheet, and therefore may choose to run a bookkeeping one entrance system instead of the double-entry. By adopting a single entry of businessmen working system of self-employed has less on the assets and liabilities of financial control although this is often not a problem because the self-employed in small businesses often do not know exactly what assets the individual of the business and liabilities. In small companies, which may not be adopted accounting software is a common practice for an accountant to keep the books today.

day book sales will be a simple list of sales invoices issued and by registered against those sales receipts are received and financial transactions in book sales on sales actually becomes a professor because it shows the balance due to the debtor company.

book the day of purchase will be from the list of purchase invoices received and by recording the purchase of a book on the amounts paid to each creditor to book on becoming an effective teacher purchase book.

Is it better to buy or lease a car after bankruptcy?

if you want to get approved for the best possible conditions when buying a car, it is important to know the lender's credit guidelines car before applying for credit ... especially if you are bankrupt

will save you time and frustration - but more importantly, it will help you avoid credit inquiries that may lower credit scores your FICO score even 12 points in the investigation.

Step 1 in making the rent or buy decision is to determine the lender's credit guidelines.

to start asking her to lend to people who suffer from bankruptcy. If so, on what basis?

This is true. You have to be explicit that you've made a bankruptcy. Do not be afraid. We have to face the fact that some traders just will not work with people who have made a bankruptcy. So our mission is to find those that do not.

Some lenders will only be for people who suffer from bankruptcy leases. Others are not only finance the purchase offer. Yet still others will only lend using a combination of the two - and this especially in the state of Texas is common

Ask a financial director in the agency to guide you and to the structure of the preferred manufacturer

Here's a quick tip for you: if bankruptcy does not appear on your lender's credit report pulls - and then, in the eyes of the lender, you're not bankrupt

the only lenders that I consider using are:

- the first option: lenders captive (companies car manufacturers)

- the second option: the banks (not corporate finance)

- the third option: credit unions

was ninety-nine percent of the cars I've leased over the years with lenders in captivity. It was leased and the only one by a bank.

According to this particular agreement from a conversation I had with my mom, and Director of Finance in the Agency for Land Rover local here in Indianapolis. I told her I was open-minded on the funding recommendations, but I preferred financing through the auto industry.

I told her that my scores FICO current. She said immediately that with my scores she could do better through a local bank. It signed a credit application and told her to go for it.

The next day, signed a lease with the local banks. Openness to her advice literally saved me hundreds of dollars a month on that car.

So be flexible ... but be careful. It seems that most car dealers call all of the banks' funding sources. When in reality some banks, some credit unions, most of the mortgage finance companies

Here is a list of some of the self-financing mortgage companies the most common real estate:

(1). HSBC Automotive

(2). Capital One

(3). AmeriCredit

(4). Finance Summit

Do you want to pass on the secondary financing - companies unless you have exhausted all other options. It should be mortgage lenders your last resort.

and only use credit unions if they offer to all three national credit reporting agencies. How can you tell if a credit union reports to all three credit reporting agencies

simple -? You ask. Ask the branch manager at the credit union question whether the reports. . After obtaining the loan, check all three of your credit reports and make sure the trade line on every one

worst luxury lenders three captive to rent or purchase from after bankruptcy are:

(1) . BMW

(2). Mercedes

(3). Porsche

worst major lenders captive three are:

(1). Honda

(2). Kia / Subaru

(3). Toyota

What makes this worse?

once you see these lenders that you have made a bankruptcy, they are less likely to work with you. However, if they are willing to work with you, we'll want you to be at least several years from discharge and have perfect credit during that period.

Now that I told you how bad the above six lenders --there are the times that may offer you good deals. For example, if one of the above happens to be the biggest dealer in your area, they may be able to offer you special offers smaller dealer can not.

Of course, things change all the time with auto lenders in captivity. Change the guidelines their credit on a whim to meet their financial goals. So, it's always a good idea to at least research these agents - just do not get your hopes up too high

Well, you've done your research and narrowed your choice of one or two car manufacturers.

Step 2 in making the rent or buying decision to buy a FICO credit scores of your own.

it is important to have the latest scores when you talk to car dealers (just like I did with Amy). It puts you in charge.

when entering a deal with your FICO scores, the dealer knows you are a more informed consumer and can not be taken advantage of. Perfectly know that the FICO credit scores using the car dealers are slightly different from what we see from consumers. And he called for a review of dozens of FICO auto industry traders dozens option. The good news ... these FICO scores may be higher than normal FICO scores if you paid all previous auto loans as agreed.

said some me Car Dealers that if your FICO scores higher than the grades in the review of dealer - they may even use your scores to get the best deal

you can buy your scores from myFICO.com

step 3 to interview the remaining car dealers. At a deeper level

start asking them these questions :?

- any credit agency reports that used to take a lending decision

- What is the minimum credit score requirements to get your approval

- What credit score is needed to get the better interest rate

-? Do your lenders prefer to provide lease or purchase financing to a bankrupt debtor

- What are the incentives there to rent or buy now

At this point it is important to remain open to either rent or buy? Assess options and incentives of your own. Remember, you're buying financing. In other words, the most important factor is the willingness of the bank to loan you money

I personally view the lease versus buy decision in three ways:

(1). If you recently recovering from bankruptcy, and the only thing that matters is if you can get approved at an interest rate you can through a lender that reports to all three national credit reporting agencies was. Therefore you should consider only lenders that are bankruptcy friendly must.

(2). Once your credit scores begin to increase, you can start selecting cars based on which credit reporting agency the lender uses to determine whether you qualify. Obviously, you should choose a lender who uses a higher FICO credit score to make a lending decision must.

(3). When your scores are high enough ... or two years have passed after the bankruptcy ... or your bankruptcy does not appear on the credit report the lender uses, then you can choose almost any car you want. But make sure you still do your own research and use your credit scores to help you compare interest rates, terms and incentives.

Advertising sales increased success credible and effective declaration

Some call it the pitch elevator. Some call profile introduction. The silver bullet we call the sales statement credibility. No matter what you call it, when it's done well it establishes credibility and opens doors and opportunities.

in business in a statement credibility is essential, such as a business card. You'll be able to say who you are, what you do and how people benefit from what you do in less than 0 seconds. As we discussed in a previous article, a statement of the agenda is a great way to start a meeting with the prospect or client. This piece of magic 45 seconds gives you an opportunity / customer to know the purpose of the meeting and what you're going to cover.

statement when you follow your agenda with your statement credibility concise and clear, and they like to provide 1-2 punch to the way your prospect / client understands you. Remember that people do business with people they like and trust, and how you are perceived often determines whether you get a deal or not.

the credibility of the statement can help you buy the less resistance and communicate that you are competent and successful career. Positive effects of the statement of credibility: It will position you unique as an expert of its kind and a high degree of efficiency and will continue to how customers benefit from the product or service and will convey your value and will allow you to know you've worked with companies like them before

There are four parts of the statement of credibility: 1.My company and customer data 2.Typical 3.Success story 4.Transition to discover

my company and the data

Open statement credibility with the mobilization Introduction feature of the company and yourself. When I say "full feature" I mean a paragraph with 7-8 sentences address: Date company specialized or area of ​​specialization 2 or 3 features about your company experience relevant to your company

The following is an example of the introduction of the world of financial services:

Mike I am not sure how much you know about the national rice bank. Actually CNB was founded by a small group of businessmen in 1954 and has grown to become private banks and leading businessmen. We are now the second largest independent bank based in the state with assets exceeding $ 16 billion and we are the only bank in the eastern United States, which has been recognized by Greenwich Partners with six awards for excellence in corporate banking. We have more than 65 branches in the Tri-State area. I've been in banking for 20 years, and I've spent the last seven of those years with the National Bank of rice to work with food processing companies in the Hudson Valley.

typical customer

Do you want to continue your presentation with a typical customer's own description. Your description should resemble the prospect or customer you are talking to. Doing so will build credibility because it will give confidence client / likelihood that you have worked with clients like him before

typical client For example: I usually work with large agricultural companies who want to implement the growth strategy The long-term. I usually bank the company itself and key executives too.

success story

through the statement of your credibility, you want to share the success that demonstrates how one of your clients recently benefited from working with you a story. There are three parts to tell a compelling success story:

Issue Number: described the problem in a few sentences. Decision: Explain how your client helped solve the problem. Saleh: Briefly explain how the client's decision benefited

an example of a success story: For example, recently we were able to provide commercial loans $ 5500000 for firm frozen foods so they can update their equipment to freeze flash and add 10,000 square feet of production facilities. And of course, also welcomed the opportunity to work with the employer to access personal financial goals as well, and we were able to provide creative financial solutions to help him finance a vacation home in a quiet lake.

Go to the discovery of

The last part of the statement of your credibility is in transition to move Discovery. We move from the get permission to ask questions. As is the case with the transitional phase in a statement the agenda, and we are waiting for the possibility of our / client to say "yes" before moving

Example to move to the discovery of : Now that you know a little bit me National rice and, may I ask you a few questions (wait Yes!)

power reserve

statement credibility is a powerful tool that can be used to quickly create an impression great in many cases. For example, you're in a statement last week just my credibility in my trip to Mexico City when he asked me to ride next to me what I do for a living. How many more cases than you can think of?

Problems encountered when sending money overseas

sends billions of dollars annually worldwide by migrant workers to send money home to countries such as the Philippines, India, Pakistan, Vietnam, Mexico and Indonesia, and large numbers of usually small amounts transferred to some extent also for the payment of allowances and school fees, and make a small purchase online operations, and thus the possible methods for transferring funds also increased significantly.

send money overseas to family used to be exclusively the preserve of banks and very few of the money transfer companies and has offices in major countries. Since the advent of online banking, and send money to their countries of origin or to send emergency funds for your children it has become a lot easier, but there are real pitfalls you need to be aware of.

The first thing you need to consider is the security of your money, and if you choose a major bank or use one of the well-known money transfer companies and then you can be quite sure that at least your money will actually, but this could be a way expensive and slow often send money. Fees can easily come to $ 40 or more at the end of each and currency exchange rates they give you can be very bad indeed.

. What other options are there?

a. Foreign exchange brokers are useful for transferring large amounts and is generally fairly safe, but make sure the broker you choose fully accredited by the Financial Services Agency because your money moving through the accounts and thus could be at risk. Fees and exchange rates are usually fairly reasonable but can transfer take a few days depending on the banks of the recipient used and the bank may also charge Weaver to clear funds.

b. Send your credit card or debit card has become a popular choice. It seems easy, and there are plenty of ATMs around the world to gain access to the money, but the cards can be lost or stolen in transit. Maybe not likely, even if the smuggled cards, but this will cost you a lot. Cards can also be a big fee attached to be used so be sure to read the fine print and the structure of fees that should be made by any reputable provider card. Currency used by these companies exchange rates can be prohibitive, make sure you know how much you are going to eventually write and how much is going to cost you first.

c. You can send a check issued by a bank or post office, either in local currency or funds you need to send if you have this facility. Using this method will at least know what's going to cost you before you get to choose, but once again, and get the checks lost in the mail and take a long time to mail them.

d. Using one of the organizations to transfer funds via the Internet, such as the new Ezybonds, XOOM and PayPal is the simplest option if you want to send money quickly. There are many other similar companies, but with this kind of organization it is essential that good of their own data security to ensure enough to prevent piracy. With these organizations need to open an account and this means you will need to provide a definition, so make sure that the company has either been around for long enough to be stable or not supported by a large parent company to ensure that your data is safe. Again check fees and exchange rates. Be aware that sometimes when they say there are not any fees, there may be a charge for up to 4% of the money you want to send, which can be very expensive.

Credit Union Branch of the future should be integrated into the high-tech touch

with mobile banking and the Internet have become increasingly popular banking institutions, especially credit unions, and to call for the design of a branch with contemporary financial and technology concepts that indicated strategies to improve the experience of users without losing all touch a humanitarian mission.

is still the need for a personal touch in the financial services industry should be available in credit unions. As members of this endeavor of digital channels and changes the old banking business model continues to the retail model, the design of the branch must conform. Banking can occur in an integrated environment on Castle model is no longer. Technology has inspired consumers to bear the financial responsibility for it online shopping for the best deal. Therefore, we must credit unions to capture the opportunity to develop and enhance the environment for its members that shows "people who help people 'values ​​and beliefs. This high-tech, and the atmosphere, which operates high-touch is the branch of the future.

credit unions must reinvent itself and create value and a reason why the members of the audience wants to actual location. It is important to create an interactive environment and the redefinition of behaviors that must occur in the branch and to understand that the new design should support relationships from person to person.

some dos and leaves for thinking

• 
  Do not try to do in your life than your competitors savviness high-tech. While it is positive to take the lead in the war of high-tech games, it is important not to take the approach of technology for technology's sake.



• 
  What about the provision of Wi-Fi is free for members that will allow them to continue to use their own personal devices. Or, instead of providing magazines and newspapers for individuals while they wait for an appointment, and the provision of iPad to browse.



• 
  Many members were not comfortable with discussing their money in open space. Integration of the new branch offices in the design and creation of the post members a comfortable environment.



• 
  Think of integrating video wall at the new branch design. This video wall to shed light dynamic movement of the graphical content ranging from messages of brand building, to the local scene, the current promotions campaign.



• 
  The informal meeting space community should be a positive addition to the design work of high touch.



• 
  The goal of the high-tech, high-touch Branch is to simplify the customer experience and allow time for staff and members of really connecting. Technological and new features allow employees to spend extra time to find to meet the financial requirements of member solutions.



• 
  You should also consider the new branch design, it is important to become a true financial partner for your membership. Be sure to convert the branch of the service environment is just a consultative atmosphere where you can collaborate with members to determine their needs and propose financial solutions.

basic tasks of the credit union for the future is on the expected needs of the members and provide simple and targeted promotions using traditional and digital solutions. Combining technology and innovation and human touch will play a key role in the branch tomorrow.

What branch of tomorrow look like? It will be open and accessible to all, and the combination of virtual sales and promotion in one place. Will work with staff who can guide member to smart financial decisions while making banking entertaining and captivating.

More importantly, when you create those high-tech, high-touch Branch works, I have learned that it is the staff that makes the difference, not the technology.

Modern financial management theories and small businesses

Here are some examples of modern theories of financial management developed on the principles considered "a set of basic principles that form the basis of financial theory and decision -making in funding" (stone Others al.1991). Attempt will be made to link the concepts behind these principles in the financial management of small businesses.

Agency Theory

Agency theory deals with people who own businesses, and all others who have an interest in it, for example, managers, banks and creditors, and family members, and staff. Agency theory assumes that the day-to-day running of the enterprise by agents who participated by business owners as native actors who are also known as shareholders managers. The theory on the concept of "two-sided transaction" principle which holds that any financial transactions involving two parties, both of which are working in their favor, but with different expectations.

problems are usually identified with the agency and could include the theory:

i. Information asymmetry- situation in which agents have information about the conditions and opportunities of the financial institution that does not know the principals (Emery et al.1991). For instance he stressed, "The Round Table" which is in communication with shareholders and investors planning, companies need to consider the shareholders never misleading or false information about the company's operations or financial situation. In spite of this principle, there is a lack of transparency in the management of Enron, which led to its collapse,

II. Moral hazard situation in which agents deliberately take advantage of the information asymmetry for re-distribution of wealth for themselves in a way unseen, which is ultimately the principals account. One example of this is the Council of the Compensation Commission Enron's management failed to ask any questions about the granting of salaries and benefits, and pensions and life insurance and bonuses for the executive members at a critical point in the life of Enron. With a single executive he has ever won a share of the ownership of aircraft companies reward and also a loan of $ 77M Chief Executive Although the Sarbanes-Oxley in the United States prohibit loans by companies to their executives. And

III. Check on these negative regarding the situation in which agents distort the skills or abilities they bring to the institution. As a result of that wealth is the principal speaker (Emery et al.1991).

In response to the potential threat posed by dealers seeking to make the most of their interests to the detriment of the principals (ie all stakeholders), trying all stakeholders to increase the reward expected to return to participate in the project. Creditors may increase the interest rates that you get from the institution. Other replies monitors and bonding to improve access of the headmaster to reliable information and devise ways to find common ground for agents and principals respectively.

Based on the risks faced by the agency theory, and researchers for the financial management for small businesses contend that in many small projects may be the agency between the owners and managers are absent relationship because the owners are also managers; and predominantly small and medium-sized companies make the usual solutions to agency problems such as monitoring and bonding costly and thus increase the cost of transactions between the various stakeholders (Emery et al.1991).

However, the theory provides useful knowledge in many things in the financial management of small and medium enterprises, and shows great ways on how small and medium-sized companies and must be exercised financial management and seen. It also enables the academic and practitioners to follow strategies that can help in maintaining the growth of small and medium-sized companies.

signal theory

signal theory depends on the interpretation of the information at hand for businesses to transfer the capital market, and book on perceptions resulting in conditions that are available for project funding. In other words, the money flows between the institution and the capital market depends on the flow of information among them. (Stone et al., 1991). The decision of the administration, for example to make an acquisition or liquidation. To buy back outstanding shares. As well as decisions by outsiders, such as, for example, the institutional investor's decision to withhold a certain amount of equity or debt financing. Emerging evidence pointing to the importance of financial management theory of small enterprises mixed. Until recently, there was no practical guide concrete and reliable that refers to the theory accurately represents certain situations in the financial management of small and medium enterprises, or it adds insights that are not offered by the modern theory (Emery et al.1991).

Keasey et al. (1992) writes that the ability of small companies to indicate their value to potential investors, only the signal from the detection of earnings expectations and found to be positive and significant related to enterprise value among the following: the stock held by owners ratio, net revenues He raised the issue of justice, choosing a financial advisor to the issue (assuming that most reputable accountant, banker or auditor may cause more faith to put in a prospectus to float), the level of under-pricing issue. Which suggests the theory is now considered to be more insightful to some aspects of the financial management of other small projects (Emery et al. 1991).

pecking-order of the frame or theory (POF)

This is another financial theory, which need to be considered with regard to small and medium enterprises and financial management. A financial theory which suggests that the administration would prefer to finance the first to retained earnings, then with debt, followed by hybrid forms of financing such as convertible loans, and last of all by using the property issued by the overseas rights. With bankruptcy costs, and the costs of the agency, and the asymmetry of information plays little to influence the policy of capital structure of the role. As a research study conducted by Norton (1991b) found that 75% of small businesses that were used appeared to take the financial structure of the decisions in the framework of hierarchical or pecking order .Holmes and others. (1991) admitted that POF is consistent with small sectors because they are owner-managed, which does not want to dilute their ownership. Usually they prefer companies that owner-managed the retained earnings because they want to maintain control over the assets and business operations.

This is not surprising given the fact that in Ghana, according to the empirical evidence, are small and medium enterprises financing of about 86% of private equity, as well as loans from family and friends (see Table 1). The loss of this money is like losing one's own reputation, which are usually considered very serious in Ghana.

access to capital

report Bolton outlined in 1971 on small issues underlying the concept of companies "funding gap" (This has the elements of knowledge is limited debt gap due to lack of awareness of appropriate sources, the advantages and disadvantages of financing; and the gap between supply -unavailability funds or cost of debt for small enterprises exceed the cost of debt for big companies) as follows: there is a range of difficulties faced by a small company. And hit small businesses more difficult than taxes, and the face of rising costs of the investigation to get loans, and generally much lower than the reported funding sources and less able to meet the loan requirements. Small companies have limited access to capital markets, money, and thus suffer from chronic capitalization. As a result of; it is likely to be excessive recourse to expensive funds price that act as a brake on economic development.

Leverage

This is the term used to describe the opposite of indebtedness which is the ratio of total funded assets from stock and can be called a shareholders' assets ratio rights. It focused studies under review in this section for influence in total debt as a percentage of capital or total assets. However, there are some studies on the relative shares of different types of debt held by small and large companies.

equity funds
It is known
also equity and equity capital and or net worth.

Costand et al. (190) that "large companies will use higher than the debt of small businesses funding levels. This means that large companies will rely relatively less on capital shares more than small business financing. According to the framework pecking order, and small businesses has two problems when it comes to equity financing [McMahon et al. (1993, pp153)]:

1) small businesses usually do not have an additional issue of shares to the public option.

2) the owner managers are exposed strongly any dilution of its ownership interest and control. This method which is unlike the big concerns that typically have only a limited degree of control managers and limited, if any, possessiveness, and are therefore prepared to recognize a wide range of financing options.

financial management in small and medium enterprises

with a high wave of financial problems that contribute to the high failure rate of small and medium enterprises, what literature on small business and say about financial management in small companies to combat these failures?

Osteryoung et al. (1997) writes that "while the financial management is a critical component of business management as a whole, in the context of this asset management function and perhaps the most important. In the long term, the asset purchase direct path which will take action during the life of these assets , but did not see action in the long term if it can not be an appropriate policy planning to achieve effective working capital management. " In fact the financial mismanagement of the owners or managers lack of financial management is exactly the main reason behind the problems in the financial management of small and medium enterprises.

Hall and Youth (1991), in a study conducted in the United Kingdom of 3 samples and found 100 small enterprises that were subject to the liquidation is voluntary in 1973.1978, and 1983 that the reasons given for failure, and was 49.8% of the character financial. The perceptions of the official reception interviewed the same small businesses, was 86.6% of the 247 reasons due to the financial nature. It was also documented a direct correlation between financial mismanagement or non-existent (including basic) Accounting and commercial failures in Western countries, according to Peacock (1985a).

which one can deny that in spite of the need to manage every aspect of small projects with internal support and external very little, it is in many cases that the managers have experience or training in some functional areas only.

there is a school of thought that believes in "well-run businesses must be unconscious as of its financial resources as healthy right person is his or her breathing." It must be possible to production, marketing and distribution procedure, and the like, without causing over and over again, or hampered, financial pressures and tensions. This does not mean, however, that financial management can be ignored by the small business owner manager. Or, as often happens, because of the accountant to take care of. Whether it was clear or not to the casual observer, the owner of a thriving small business managers themselves have a solid understanding of financial management principles actively in their application to their situation and participate. "McMahon et al. (1993)

tried

some researchers to predict small enterprises failed to ease the collapse of small businesses McNamara et al. (1988) model to predict the small enterprises failed to give the following four reasons:

- to enable management to respond quickly to changing circumstances

- Training lenders to identify important factors involved in determining the probability of failure of the institution

- Help lending organizations in the field of marketing by identifying the financial needs of its customers more effectively

- to be a candidate in the process of assessing credit

went on to say that small businesses are very different from large companies in the field of borrowing by small businesses, and the lack of long-term debt. Various financial provisions and taxes.

for small private companies, and these measures are not reliable methods and textbooks to judge the investment opportunities are not always useful in organizations owned by the private sector to give a true and fair view of the events taking place in the company.

Thus, administration of modern finance is not the ultimate solution to the problem of all the works, including large and small businesses.However, and we can say that there is some food for thought for small and medium-sized companies on the whole concept is considered in this study. For example, it can be seen (from a review of the literature) that the intended financial records to study and analyze the companies' operations. Return on equity and return on assets and return on investment, and the ratio of debt to equity and metrics are useful for measuring the performance of large companies and small and medium companies as well.

Return on assets ratio, the effects of the loan and investment portfolios, and Insurance Corporation Federal Deposit

low return on assets ratio of

It is always important for the management to monitor all financial company, including income as well as expenses on a regular and frequent basis to make decisions on where to invest the company's funds.

low rate of return on assets to be successful or is not sufficient to manage interest rate sidelines, income and expenses noninterest, and reserves for loan losses exist. The banks focus on getting a large portion of the net income from noninterest income by providing other services such as insurance or brokerage. Fees are another source of noninterest income for banks. When noninterest expenses (such as overhead or advertising) exceed noninterest income However, the return on assets go down.

also can be caused by the low return on assets of high loan losses. This usually happens when banks offer loans to people defaulting on their payments, especially in times when the economic conditions are less favorable. And impacted the net interest margin of the bank by many different factors, including but not limited to: interest income and non-interest income and expenses, and reserves for loan losses. Mismanagement with respect to any or all of these factors lead to low and low net interest margin (if any) net income.

relationship between the return on assets and return on equity

return on assets and return on equity both measures of the performance of the bank. As mentioned above, it affected the recovery of assets of the bank by the factors of income from interest and non-interest income and expenses, and reserves for loan losses. Mismanagement with respect to any of these factors or all lead in the net low-interest and low-margin (if any) net income. The difference between the return on assets and return on equity of the bank is that the return on equity based on return on assets and the addition depends on the leverage of the bank (which is multiplied by the bank return on assets equal to the return on equity). There is no direct relationship between the return on assets and return on equity. While a higher return on assets, may be a return on equity significantly less and still decreasing in.

effect on the credit decision in the loan and investment portfolios

credit decisions in the investment portfolio of the stand should be based on the investor's point on the bank's return on assets to measure their performance, and also on the return on equity, which is linked to closely linked to the financial power of the bank. And low leverage of the bank, the higher the amount of money in the bank simply holds in reserves and a loan to people or investment. As an investor, it is important to know that the Bank acquires enough money from reserves to pay interest to investors. The return of one of the banks lower on the most dangerous of assets, is to invest in any issued by the bank securities.

credit decisions in the loan portfolio of the bank's position should not be too conservative, and this means that the bank will only give loans to people with a reduced risk of loan defaults, which would lead to interest income low return on assets less bank. However, we should not give loans to everyone either, because the risk will be higher to incur losses on loans, leading to a decline in return on assets of the bank as well. Thus, in times of less favorable economic conditions, and that the banks should be more conservative than providing loans to people and vice versa to reduce the risk of loan losses incurred due to defaults by borrowers.

from the point position of the Federal Deposit Insurance Corporation:

Why is it important capital position

and the development of capital is important to the bank from the point position of the Federal Deposit Insurance Corporation, because the capital is an indicator of power Bank and higher? The bank's capital from (leaving all other factors being equal), the lower the risk that the bank causing consumer losses. Federal Insurance Corporation deposits believes consumers up to a certain amount of their money in case the bank goes out of business or bankruptcy files. Thus, the position of the bank's capital is important for the FDIC, how likely it is for the bank to go out of business (for example), make the Federal Deposit Insurance pay consumers money institution banks again, and that the FDIC wants is clear to avoid.

Loan horse - a horse financing Options loan

It is said that the horse is the best friend of man. People who love horses knows this for a fact. The horse is considered to be one of the most emotionally intelligent animals. If you are a horse lover, I'd really love to own and care for one. This is a passion for many people and so you have purchased your horse, this feeling linger in the back of your mind.

not, horses do not come very cheap. Buy a horse and care can cost you quite a bit. But compared to what you get in return, at the expense worth it. Many people do not know that the horse loan financing is available through various financial institutions, and you can easily get on the horse loan from your bank but most use online lenders to realize their dream of owning a horse.

go in for a loan from the bank the horse is very simple, but it may take a few weeks to deal with in the meantime, you'll have a lot of paper work to fill out. This is the reason that more than 95% of all loans horse requests made through online lenders who process much faster application. In the meantime, it is essential to do your homework to identify the horse you want to buy, check the ownership of securities, insurance status and other issues related to the horse. You will also have to be ready with the living arrangements of the places, training, nutrition and other local facilities in place.

once you've done all of the work on the ground to buy your favorite horse, you may find that your loan application horse is still in the processing will take a few weeks. At this time, it is wise to apply online with several lenders to see the charming lender offers loan terms more favorable. Time and the truth is that horses do not wait for you, there are plenty of people who pick up the best horses and take home every day so that your financing in place before shopping for your new horse. Most of the funding for the horse loan comes as a cash advance, installment loan, no loan guarantees, or mortgage 2ND. Each of these lenders can be found easily on the Internet, where approval faster with cash advances being one of the types of loans more favorable. You can use this money as a down payment on a horse or to buy it directly.

Now you can step into the world of finance and market survey to understand how the cash advances. There are many banks and financial institutions, including credit card companies that give you cash advance loans. As the name suggests, cash advance loans are those loans approved by almost instantaneously or within a period of time days. These loans come in very handy when one requires instant cash. Many times we are facing emergency situations that require the availability of funds for the moment or in other cases you may come across an opportunity he could not miss, and you need instant cash. For example, coming across a horse that you simply can not live without. In such occasions, cash advances are key.

cash advance loans and many repayment options. It is important for everyone to check out all the different payment options and amortization schedules. If you plan accordingly, and cash advance loans work best for you if you use it wisely and as planned. With a lot of discipline in your financial planning, loan cash advance can be used, such as the capital of your world. The banks do not go in the details of a cash advance, but spend most of the time to qualify your ability to repay the funds. It's also for this reason to get cash advance online is much faster.

buy a big horse with a cash advance logic, especially for such opportunities do not come around often. One benefit of the last to benefit from online lenders is that when you get quotes from online lenders, you're going to get an immediate rate reduction because they really want your business as it does any lending institution. Takeaway point here to shop online cash advances and installment loans, mortgages 2ND, not loan guarantees and other for this money you need to buy a horse.

How Foreclosure cleaning industry has changed: a new ownership model Remember

field services industry, commonly referred to as the "preservation of property," "foreclosure cleaning" or "REO trashout" Industry , it has changed dramatically over the years.

when the mortgage crisis and ultimately busted housing fiasco for the first time in the real estate sector, a large number of smaller contractors mortgage market income. Implementation of many of these small companies tasks Field Service diverse mortgage lenders, banks and financial institutions and conglomerates REO asset management companies in the different villages and areas across the United States.

thousand tons of the largest national and entities were also part of the scene, which is fast becoming a booming maintain the property industry.

a large number of major entities, such as those that Pimco, the guard, Cyprexx, preventive, Kronos (solutions formerly known as Martin Real died property management), and a large number of similar companies, were, directly plug directly to HUD ( "The The United States Department of housing and urban development ").

these big companies hired remove small and cleaning rubble and garbage services as subcontractors to handle duties such as park maintenance, property guarantee (doors / windows), property inspection, removal of trash / debris for winter jobs de separation winter, repairs, changes lock, and home maintenance, painting, removing the carpet, gutter cleaning, pressure washing, removing many of the trees maintenance and maintenance duties similar property.

often performed

services of vacant homes, many of which the mortgagee had moved away from after obtaining letters of foreclosure of the mortgage companies.

jobs multiple alternative, jobs and contracts for vendors Service REO

received contracts and orders for work in numbers, and it was many small businesses rush to hire subcontractors to assist in the iceberg.

As a result, these contractors smaller than half a ton of money to maintain the property and cleaning mortgage industry at the height of the mortgage crisis.

and change the Name property industry

However, fast forward five to seven years, what has not changed is reflected in the industry, exponentially.

new Trashout business, Foreclosure Cleaning Services and REO property to maintain the model

in recent years, did not start a foreclosure cleaning and garbage services only to target key customers and the rules of a new client, but they also add a number of services, mortgage and field new and very profitable and has signed new policies and procedures that work specifically for of services and private companies - regardless of who may be aligned their business with or who may be serving as vendors and subcontractors and working for, whether it's at the local level, national or regional.

IFSC importance of law to transfer money within India

in the Indian banking system, it is known as the IFSC Indian Financial System Code. Itis a record number of 11 series, which consists of a combination of letters unique alphanumeric of its kind. And it can be divided into numbers like - the first 4 numbers in the order of the alphabet, which indicates the bank, and the number of the fifth one is No. 0 (zero), to be used by the bank in the future, and the last 6 digits either be a combination numbers alphabet, or just digital numbers, and identification a branch of the bank. It is assigned unique serial numbers by the Reserve Bank to all branches of the Bank using the Electronic Funds Transfer Systems.

Reserve Bank of India (RBI)

of [ربيكونهامركزيةيتحكمالسلطةالمصرفيةأيضانقلالأموالبينالبنوكالهنديةتحتRTGSونفتsystemsTheالموقعالرسميللبنكالاحتياطىيعرضقائمةمنكافةالبنوكالعاملةفيولاياتهنديةوالأقاليمالاتحاديةالتيتشاركفيهذاالنظاميجبعلىالبنوكالتيتقدمالتسهيلاتالمصرفيةالصافيةوالمشاركةفيEFT(تحويلالأموالالكترونيا)نظامتقديمالشخصياتتحديدالبنوكلعملائها

ways to find IFSC code

Online and banking customers net should be quite familiar with the law IFSC bank beneficiary of the sending or receiving of payments within the country, using the RTGS (Real Madrid settlement total time) denied (national electronic funds transfer) systems. Individuals, companies and institutions, with or without a bank account can also transfer funds, but this should be a bank participating in the Reserve Bank of electronic money transfer system regulator. The official website of Reserve Bank of India offers a complete list of participating banks EFT.

There are different ways to find IFSC Code from your bank. Most banks Print this unique personalities on the checkbook leaves, but if you were not printed on the checks leaves, you can contact customer service specific to the bank and get the IFSC Code. The third way that can provide you with these unique numbers is to visit the online financial sites because there are many sites that provide information on the details of the bank, put the bank denied, the title of the branch, the branch site and a blog IFSC.

It is also necessary to remember that the unique identification of the banks set their characters from time to time by the Reserve Bank of India, and one must contact the bank branch to confirm the identity cards that have been obtained from third party sources numbers. The error code that refuses to transfer your payments.

systems and denied RTGS

certified

both denied RTGS systems and to transfer payment, and get paid by the Reserve Bank of India. The primary differences between the two systems the following:

denied - There is no minimum or maximum limit to the transfer of funds under this system and the money reaches the beneficiary bank within 24 hours to 48 hours

RTGS - this system is the fastest way installment payments and transfers can be up in no time. It is run transactions in "real time" and a "gross," and combines with other transactions. The minimum transfer of funds is Rs. 1.00000 or more and payment account to the beneficiary's account within 2 hours.

must remember that whichever you use the payments systems, and the law IFSC is vital for the transfer of money and these unique numbers are valid only transfer of funds within the bank in India and is valid for the transfer of international funds. You'll have to use SWIFT BIC or to transfer funds abroad code.

Financial advantages and disadvantages of debt

debt financing means to borrow money or to arrange an investment from external sources. Companies on a large scale and organizations are not able to run all the affairs of their own capital so it is normal for them to take loans. The most common of this type of financing is an example of loans taken from the banks. The loan amount repaid on agreed premiums with interest at the rate specified

financial advantages of debt:

The following are the advantages of debt financing:

(i ) room for expansion: debt financing allows businesses to expand their operations. New branches can be opened in other cities and countries. You can adopt new lines of business to increase revenue. Easy access to credit encourages the entrepreneur to assume new risks and float new products. Business was also able to increase the size of its operations and raise the level of their products in a timely manner

(b) Research and development: debt financing allows the research and development process. Bank loans can be used to accelerate research and development activities. The potential gains for the company than when it is put up solid research on the market products. The new innovation, as well as increase the reputation of the companies, and also reduces the cost of production

(c) The high profit: due to business expansion and the use of new techniques of revenues and profits as the business grows. Huge returns means that there will be no room for further expansion in the works. It can also be used to pay higher bank lending profit. And thus increase the solvency of the work of

(d) ease of working capital: debt financing helps maintain appropriate working capital of the business. Room also provides for the payment of regular payments easily

(V) and revival of sick units: debt financing can be used to give breathing sick industrial units. Loans for the organization to be rescheduled and a new credit can be taken for these units so that they can begin production. In addition to providing financing, should also be given proper supervision and guidance. All this will rehabilitate the sick units and can help them to be successful and profitable unit

(v) Provision of insolvency: debt financing can be used to save the business from insolvency. In the case of any necessary amount of is to be made and there is no equity funds enough, then a loan can be taken to make payments and save the business from insolvency.

(vi) the tax advantage: are also asking this charge interest of net income before applying the tax rate, so this leads to a reduction of tax liabilities

financial shortcomings debt:

the following are disadvantages of debt financing:

(i) interest Payments: a very large amount of the net profits of the company must pay in interest expense on top borrowed money.

(b) Depression: if business came under depression and talked losses, and interest payments could become a big problem due to insufficient funds

(c) suit against the company: creditor claims may be brought against the business if the work fails to make the payments as agreed

(d) the seizure of collateral: If the business fails to pay interest on the amount of loan capital the bank can seize the collateral or mortgaged property

(V) risky investment: if the business is running on the capital a huge borrower, further investment in the business becomes risky. This danger does not encourage investors. Banks are reluctant to grant loans to such actions that are already under the burden of debt.

SCB Swedish - fraud or failure

today on the internet and we see many entities selling credit unions Swedish. The display is to get what is basically a bank inexpensively and operated abroad using the Panama financial services company that does not allow you to work as a bank. Will this work, theoretically yes. Practically SCB Swedish will break down when it comes to the correspondent bank. What is usually done is to open a regular bank account with one of the banks that have correspondent banks. Please bear in mind the fees to open a correspondent bank account usually in the $ 0,000 + range. When you begin your SCB Swedish pumping through 40 or so wires a week the correspondent bank, the bank that you have to do is to use, and customers will be the Bank operates as a bank correspondent thinks and finds some excuse to cut them off if they do not fall out of your account. Remember they want people to pay $ 0,000 to have a correspondent bank. The presence of wires going through the Panama Financial Services Company alleviates some of the case since as the credit union does not appear in the wiring. If one were to process 3 or 4 wires a week say with say three or four checks, wire and checks provided both financial Lkhaddmat, not the credit unions, the scenario may have a long life to a reasonable extent. Now of course you really do not need a credit union

banking secrecy -. Totally lost. Swedish and credit unions do not have bank secrecy since they are from Sweden, which is not a state of privacy. Swedish authorities did not have reportage requirement for these companies but rest assured they can conduct an audit or request and require books and records readily because these entities are subject to Swedish tax rate of about 30%. If one does not comply to be able to cancel your company or credit union if you want to call it such, or worse even going after you personally for fraud and evasion of income tax, etc. It is not a comforting idea. I would say to be included in the bank account Panama financial services company by bank secrecy in Panama. If you claimed the Swedish government, which you're working some kind of a financial institution such as a bank taking deposits and making loans in Panama through this financial services company Panama along with a company called credit unions in Sweden, said the Panamanian authorities think you were trying to evade the purchase of the bank's license ( licenses cost) and shut you down. It turns out records for more than Swedish? That would depend on these allegations, and if there is a criminal case on file in Sweden for money laundering. If this is the situation in the Swedish Criminal Courts I think under the circumstances is likely to turn the records over. Panama is likely to see you to operate outside the financial services firm if the Swedish government was complaining about one of its SCB his name, and I do not think that the Government of Panama and standing for your company.

legal structure - the name of this so-called Swedish Credit Union is EKONOMISK FÖRENING. It Economic Association in reality and sellers of these structures do is call the credit union like. ABC Credit Union and sell them for inflated prices as a credit union just because the Swedes allow you to use the Credit and Savings in the name, is something like the American Credit Union. It is almost an oversight in the law that has been exploited

practical applications - we know there is no limit. No bank will let you pay large amounts of wire through the system. Wire will be dead giveaway to the correspondent banks outside Sweden will be cut

proposal - Forget this one. It's not really a scam, but it's not really a credit union per se either. It will not work in the banking system so drop this one.

For more information, go to: http://www.panamalaw.org

Global trends in the financial services industry

as the economic crisis continues to unfold, the financial services industry is facing serious challenges. The crisis is rooted in the continuing imbalances, including long periods of low interest rates on a rapid rise in asset prices, credit and large-scale and savings imbalances. Expected 07 and 08 reports of the World Economic Forum these changes as an ongoing risk to the market.

previous decades of extraordinary growth and capitalism at its best now caused the market to adapt to the credit tightening, and increased government intervention, and a slowdown in the pace of globalization, not economic growth. With increasing regulations in the United States and decreased availability of credit, the industry faces a significant risk of stunted growth. Global recession has also affected the financial sector, capital markets and lower overall demand, according to Max von Bismarck, Director and Head of Investor industries.

this Article leaders, employees and investors in the financial services industry will provide with five trends and unique in time to keep in the forefront of their growth strategies over the next five years. These five key trends will shape after the financial crisis a comprehensive and systematic manner.

five major trends

[1945001global] banking. According to the World Bank, despite the fact that many banks such as American Express, Citibank and JPMorgan Chase doing business in multiple countries, they are relatively Regional in the United States. In order to grow, the financial industry to infiltrate emerging markets. For companies that have a more aggressive growth strategy, and the spread to emerging markets such as Africa and Asia unparalleled opportunities for profit and increase market share.

technology sharing platform. Global Network confirms that the business of financial services companies strategies "should change the dynamics and complexities of the market for a new day. Instant access to information and integration along the production and geography lines are a must for success in the future. With the need to provide information to the global market, we must companies reduce the cost. the cost of one effective initiative is to use sharing platform; such as cell phone companies that cooperate with local companies to reduce cost and increase access, can financial firms do the same.

electronic banking. see the special report of the magazine The Economist that with 3.5 billion people with mobile phones, and is expected 10-20% per year over year growth, and are made of personal and commercial banking transactions through mobile phones more and more. Thus, the ability of bank E is quickly becoming increasingly a requirement in order to compete in the market. the banking potential of electronic companies that have the necessary flexibility and differentiation in the market through services-based applications to the Internet.

transfer money via mobile phone. increased use of mobile phone in emerging markets makes money mobile, low-cost initiative safe financial sector. It is the easiest way to transfer money to family and friends, the money is sent, payments and withdrawals can be made without ever going to the physical or payment center bank. He concluded M- Pesa, a developer of early mobile money, and this mobile money "has enormous social and economic benefits."

self-service. You must be self-service and customer focus primarily for companies in this new world of financial services, according to IBM. AppViewXS is a self-service portal companies can buy, so that customers can check the status of their account and instant access to the services available. It has been addressing the issues and concerns customers more quickly, and provides the IBM representative. This technology automates many processes; and the result is that the workload of the staff is reduced while working faster and more efficiently representatives.

need

financial services companies have, sustained and steady expansion in emerging markets for growth in the future. Deloitte & Touche reports that financial services companies did not position themselves to take advantage of opportunities geographically dispersed research. Admitted more than 93 percent of the executives interviewed for this report that their companies "do not work in an integrated way in the world."

The same report indicates that financial institutions need to invest away from the markets veteran or mature and towards emerging markets because "by 2025, will be rivaled veteran markets from other markets with growing economies faster and appetite for sophisticated financial products increasingly. " Can companies based in the United States towards the Japanese and African markets look into opportunities for expansion. Analysts Kennedy Consulting believes that the market will rebound from the global financial crisis in 2011, but there will be no return to strong levels before 07 and even later in the decade so far; we hope that the five major trends in this report on the leaders, employees and investors in the industry financial services to look towards the future of the powerful sound.

In addition to growth strategies, in the Journal of 02 from Business & Industrial Marketing, Henson and Wilson discuss the severe changes that have occurred in and how many companies are trying to develop and implement successful strategies based on innovative and customer technology and financial services sector. Apart from the normal ups and downs of the financial world and technology and innovation will always prevail in the win for the financial services industry. Because online banking has become the norm for most customers, and technology will be very important in the strategies of these companies. "

with customers in most directions center in financial services companies, and the creation of new values ​​to the current status and potential clients will go beyond current expectations be a top priority. the need for mixed comfortable with technology makes mobile money a great initiative in emerging as well as developed markets. many companies have a payment speed, and the ability to pay without batting card, as part of their credit card services. chip built-in credit Card Payment can be made to be by placing the card close to the payment processor. Mobile money is the expansion of the transfer payment and money operations without the need for a card, and having to go to a physical bank, or use online banking. payments and transfers, deposits and withdrawals can be made with a cell phone.

the World Bank agrees that innovative technology and an increase in e-business strategies will lead to significantly lower costs and increase competition in the financial services sector. The Internet and related technologies, and confirms the World Bank, more than just a new distribution channels; they are an inexpensive way, different, very effective to provide the same services. Since must financial services companies to grow organically, and build customer loyalty, and accommodate customers' growing needs for services and comfort, and partnerships with the new technology will allow them to cut costs companies, and be able to compete.

companies founded, such as American Express, Citibank, and others can partner with groups such as wired technology savvy Google graduates who do not accept the risk and who have the emerging technologies that are reshaping the industry with a new wave of innovative products companies, and writing Spencer Ante and Kimberly Weisul of the work week. Mobile Money project is one of the fledgling company, which is the provider at the forefront of alternative financial services products. Small businesses like these are able to provide well-known financial firms enough money to open in markets where there is a need to cooperate with other companies in order to achieve and then get the local customer base emerging.

contest

Today is fed not only by customers profitable, but also by the companies which are the most efficient and cost-effective. Will clash procedural and cultural result from the expansion of the unknown markets, as we have seen before in the history of Citibank in Asia Minor. But in the long term, the regulations more stringent, new technology and improved business operations expand in emerging markets will cause not only to change the demographics of the clients (basic and customers geographically), but also to improve the global economy and the future of the financial services sector. Remember past trends in the forefront of managers strategic plans, financial and corporate recovery bigger and better than ever.

Enshi financing and monetizing instruments Bank to finance projects

prepared speech financing credit (SBLC) or monetizing of bank instruments, including bonds, in Enshi, and border guards, and LC or SKR for financing projects in increase. While traditional lending institutions have come almost to the position of production still, monetizing tools is on the rise. And for good reason.

funding Enshi or monetizing of bank instruments is very popular because there are no traditional credit requirements, and the requirements of assets or reduction of payments associated with traditional financing or lending. However, there are very strict conditions in the approval process and the compliance report favorable associated with internal security and international anti-money laundering laws include.

process of monetizing bank instruments involves converting content tool, usually backed by cash, account lockout or secured assets, to something illegal. In many cases, locking or holding cash-backed account or assets in the trust or any other account in the holder is unable to recover additional funds in the account agreement.

Why cash? For example, in the economic security of the market five years ago, and it was funding the hospitality very tedious and difficult industry to finance, but still achievable. Today, funding for hospitality is almost impossible for those who are looking for a new purchase, refinancing, remodeling or construction. If you currently own hospitality property, and access to greater funding, but rely on the performance, which extends over a period of 3 to 5 years. Enshi funding for projects or hospitality monetizing tool can be a solution as there are no performance requirements; performance is based on the guarantee instrument, not a king.

This stand is also true for residential projects that are in the middle stages of construction were halted due to the inability to continue to rely on credit lines earlier arrangement. And commercial developments also benefit this method of funding and the lack of requirements, "anchor" tenant or rolls into view. Financing alternative and viable, in particular for funding Enshi or by monetizing the bank tool energy project. This traditional funding sources to overcome the intangible asset requirements.

and the list is endless for uses of funds for projects and developments. For example, monetizing it can also be a viable solution to the economic development of local communities, housing, and job creation, as well as corporate debt and corporate consolidation.

a few words of warning to those who seek bank tool providers and monetizing companies. Fraud in the industry is on the rise. It should be issued instruments that top 25 global banks. Tools can be rented for cash but it takes expressed written permission of the owner of the instrument and the issuing bank, referring to an agreement between all parties, knowledge and expressed his intention to use the instrument. Also there should be a contract entered into after the client's approval, setting out the terms and provisions of the instruments and monetizing.

Finally, the fees must be deducted from the proceeds when monetizing so there are no upfront costs for you. Order tools usually results in a guaranteed fee escrow or when arranged internationally, MT 103/23 will be enough. When all the elements are in place, monetizing your instrument should be a safe alternative to finance the traditional type.

Financial considerations private Lhassabhm workers

of many things to weigh up when you make a change in the construction sector, one of the most important is the financial aspect. Along with we say goodbye restricted to the limits of the office, flexibility and choice to work on projects like and maintain control over their career path, and financial rewards freelance clearly a major incentive to join the construction industry. With freelance work contracts are becoming more and more available both as a result of the end of the culture of "lifetime employment" With the advent of the Internet and global approach of the new and immediate action, however freelance rates are often twice those of wage earners, it is clear what the advantages of working freelance speak financially.

However, it is worth stopping for a brief period before taking the leap. There are also many negatives, financially speaking, to the contract, if it is not to be careful about how you approach your career self-employed. First, despite the fact that flexible working hours offering up the possibility of working when you want and taking a holiday when you want to, it's right on the contrary, there will inevitably be periods when there is no work at all, especially when starting out on an adventure to your account. Are you ready for any work at all for several weeks or months? You can be sure that you will find a steady stream of contracts necessary to keep you financially secure? Moreover, it has got the discipline to put aside savings when things are going well, just in case the lean times are round the corner?

Second, do you have what it takes to prosecute these contracts, to communicate and to prosecute the work? In order to keep a steady stream of income you have to be willing to be proactive in search of jobs.

Third, and most importantly, are you ready for the disadvantages of being a working contract brings when it comes to financial products and real estate loans it? Often contractors will be problems in obtaining pensions and apply for mortgages, simply because the financial institutions, from banks to building societies, are very reluctant to deal with contractors or self-employed. Many banks offer a freelance contractor or mortgage applicants as a bad risk, simply because they are self-employed and a timetable for their payment may be irregular. This is regardless of the fact that income from contractors often double the number of ordinary employees who may choose to lend. Similarly, banks may decide to lend to contractors but may do so through a mortgage "Self-certification" with the punitive rates or fees.

, but there are many institutions that do not offer financial products decent contractors. Worth looking around to find the good ones, especially those who specialize in, and understand the way of life of a freelancer. These institutions are important because they not only provide appropriate financial products, but also often provide resources to the decisions of the improved tax, either through an umbrella or better companies, staff funds that deal with both the supervisor and the tax for contractors while also offering a huge return of benefits earnings for the umbrella company.

If you are able to browse all of these flaws financial potential, and stay away from the pitfalls, freelancing can be a lucrative way to work.

Emerging trends in customer relationship management

Introduction

biggest management challenge in the new millennium of liberalization and globalization of the business sector is a service and maintain good relations with king-client. In the past, customers producers took it for granted because at that time the customers do not demanded nor were many alternative sources of supply or suppliers. Since he was a passive client, it dictated where the product was little commitment to customers. But today there is a radical shift. Characterized by changing the economic emancipation of the business environment, increased competition, consumer choice is high, enlightened and demanding customers, and more emphasis on the quality and value of the purchase.

made

All these changes are a product shift today from traditional marketing to modern marketing. Modern marketing calls for more than product development, pricing, the promotion and make it accessible to the target clients. And calls for confidence-building, and the binding force and value-added relationship with customers to win their hearts. Marketing aims of a new era in the win customers than ever before, where companies greet customers, creating products that fit their needs, and work hard to develop the customer life time through the principles of customer satisfaction and approval and enthusiasm.

What is customer relationship management (CRM)

called this process of the development of cooperation and collaboration between buyers and sellers customer relationship management relationship soon called CRM.

aim

CRM in focus all the organization's activities toward establishing and maintaining customers. CRM is a new technology in the field of marketing, where marketing is trying to develop a long-term cooperation relationship with customers to develop and customers for life. CRM aims to make customer loyalty climbs the ladder.

focus on clients in the banking

becomes intense competition and a way of doing business, it is the customer who calls a snapshot in deciding on the nature of the products and services offered in the market. Customers become demanding, dominant and selective. In fact undergone the perceptions and expectations of customers change, with the availability of banking services to customers in the door steps through the help of technology.

Customer Marketing services aimed at two important: Prosperity Bank goals and customer satisfaction. Banks offer tangible services such as loan programs and interest rates and the types of accounts and services intangibles such as behavior and efficiency of workers, and the speed of transactions and ambiance. Banks may need to include approaches that focus on customer service or customer focus in five areas of the companies, such as the possibility of cash access, security of assets, and the transfer of funds, deferred payment and financial tips.

There are four available strategies for customer relations managers:

o to restore or save customers

o to attract new customers and potential

o to create loyalty among existing customers and

o even for the sale or provision of services across.

the future of the banking business depends to a large extent on the ability of banks to develop a close relationship with customers. In order to develop close with clients in the banking sector has nothing to do with the focus on technological innovations directed that offer convenience to customers. And it offers customers today ATM services, and access to online banking and telephone banking services and credit cards. This bank has been elevated beyond time and space barriers.

Marketing Banking

marketing of banking services means organizing appropriate activities and programs to provide appropriate services for the right person in the right place, at the right time at the right price and with the right promotion and communication. Marketing of banking services embrace the following unique features

Q prejudice-they can not be seen or possessed physically, but it can be experienced only.

o their own production and consumption correlation occur at one time.

o change but are highly variable depending on the merit of customers.

Q -onhm damage can not be stored.

GLOLBALISED scenario

"change" is a continuous process and the banking sector is no exception to this natural law. The change in the Indian banking industry is inevitable because of the implementation of financial sector reforms and policies in the country. The main objective of the financial sector reforms is to create an effective financial system, a diverse and competitive in the country. Indian banking industry has undergone tremendous transformation after the process of liberalization and globalization, which began in 1991. These changes have forced the Indian banking industry to adjust product mix to bring about rapid changes in the operation to remain competitive in a globalized environment.

competition from foreign and new private sector banks banks

and the entry of more and more foreign banks and banks, new private sector, with the structure of the feet lean and nimble, better technology, market-oriented and effective measures in terms of cost, intensified competition in the Indian banking industry. Financial institutions have also started to engage in the banking field. In recent years, the share of the business to the public sector banks decreased to a great extent. So there is no urgent need for the Indian banking industry to modify the marketing strategy to attract customers and to withstand the strong competition from foreign banks and new private sector banks.

technological advancement

and the emergence of technology, both in terms of computers and communications drastically changed in the banking business methodology. In the banking sector, and technology has opened up new horizons, and this in turn has brought new possibilities to do the same work differently and in a more cost-effective. Technology helps to have 24 hours a banking day, seven days a week. Tele-banking, online banking and banking services through E opened up new business possibilities and opportunities that are here have remained undiscovered. All of these technological advances could pave the way for banking house rather than bank branches.

innovation

another important force of change in the Indian banking sector is innovation. Innovative banks, active now-a-days, offering first-class service to customers. It plays a vital role not only as a provider of finance but also as a store of financial departments. As a result of this, new products such as commercial banking, investment funds, leasing and factoring, confiscation, and advisory services to companies and venture capital to emerge. These innovative services could increase revenues with effective measures in terms of cost.

skills development workers of the bank

to face new challenges, banks have to invent new ways to meet customer requirements. To help bank employees to get enough exposure to technology, and packages suitable related hardware and software applications in terms of their business are offering. Moreover, you can create a separate marketing wing in each bank for the marketing of banking services. It must be adequate training to keep up with the changing environment. In order to meet the challenges, and human resources management in the banks have to prepare plans and strategies appropriate workforce.

conclusion

recent trend of globalization and trade liberalization may raise serious problems for local banks. I paid the entry of new foreign banks and private sector banks with advanced knowledge base of automation in banking operations and marketing strategies of public sector banks into a tight corner. Potential customers have started moving towards foreign banks and private sector banks. To survive and succeed, banks must identify the areas of marketing and the development of adequate resources, to convert these resources into a healthy and effective services and distribution effectively meet the diverse tastes of the customers.