Financial descriptions!

Credit Rationing

A situation in which the lenders refuse to advance loans to all borrowers at the prevailing interest rate. It is considered a problem resulting due to information and control limitations. Credit rationing eventually leads to an excess demand for loans among borrowers.

Equity Ratio

An indicator of a firm’s financial leverage. It measures the proportion of total assets financed by the stockholders. Equity ratio is calculated by dividing total liabilities by shareholder’s equity. Also known as personal debt ratio
Equity ratio can be represented as a percentage value of shareholders equity/total assets.

The Oil bubble is getting bigger, will it burst soon?

The current Oil prices seem intent on reaching new heights and with the latest announcement from the US energy secretary that the low production is the only cause behind the sudden increase in Oil prices, the ball has been knocked back onto Saudi Arabia's court.

With almost every single country reeling from high oil prices and the accompanying inflationary pressures, a conference of sorts is currently underway in Saudi Arabia, between the Oil suppliers and the Oil consuming nations. The steep hike has set ramapant inflation loose with many of the countries registering double digit inflation figures. China has already been on the brink of the 'double digit' inflation quite a while before the Oil crisis started. This was on account of its economy and with the current oil rates, the inflation is bound to shoot up like anything.

Samuel Bodman's comments prior to the conference suggests that the rest of the world has but lost their patience with Saudi Arabia as well as the rest of OPEC dragging their feet on this issue. One of the key goals of this conference would be to make Saudi Arabia see reason and not cry fowl. All the eyes are on the conference and one can but hope that the Oil bubble will burst soon rather than later, for the resultant mess would be easy to cope with.

Wall Street mulls the next move!

These days the Wall Street is in an introspective phase as it mulls the 'mood' of the market. The question on every one's mind is as to whether the market has bottomed out or is there more to come. With most of the analysts predicting that the market has not yet bottomed out and that it will require a huge catalyst, a miracle for most, in order to change the mood of the market, it may be quite some time before the market recovers.

But of late, the market seems to have lost the downward momentum causing many to ponder if the bearish mood of the market has come to an end. There have been some good news on the housing market and hopes are high that the bull will soon run amok at Wall Street. But that may not happen for some time to come on account of the surge in Oil prices, increasing by as much as 30% in the last three months. The pressure of the Oil prices reflect on most of the other financial markets with investors being a bit wary. So the anticipated change in the momentum of the Wall Street may well occur after the Oil rates come down a bit. But if they do not, then with increased inflationary pressures, one can only bite ones nails and hope that OPEC sees reason soon and increases the supply to counter the demand on Oil.

The relocation urges!

This is the new age and with the increased population pressures and the competitiveness that one faces on the office front including the job market, the jobs of late have become more portable than they usually would be. The result being that a person may be required to travel and relocate more than usual; the only beneficiary from such a move being, the moving company.

When one is forced to relocate as a result of job pressures, the task as to how to go about this may seem a little bit insurmountable to a layperson. But with this being the digital age where time is a premium and optimization being the flavor of the day, there are various tools that one can utilize effectively to handle any such relocation. The first task, naturally would be the delegation of the task to a moving company; the only criteria here for choosing such a company from a myriad number of others should be the time frame within which the moving company can accomplish this task.

That aside, the next task would have to deal with researching any feedback that the moving company may have got from previous customers. Many a moving company end up chasing variables better rather than committing themselves to the task at hand – to put it plainly, their plan on paper may appear great but the end result, often leaves the client disappointed and frustrated. This is why researching the feedback of the moving company with regard to their delivery time is crucial in selecting the right one for the task at hand.

Often, many a moving company takes operational responsibility over a fragile item marked ‘handle with care’, only to deliver them in bits and pieces at the end point. Even after such an incident, they regularly fail to take full responsibility for the article in question. One may wish to transport a few valuable and extremely fragile possessions and keeping that in mind, it is always a good idea to inquire before hand as to whether the moving company offers any insurance coverage for any breakages that may occur as a result of such transportation. It would also be a good idea to inquire about the packaging that the moving company utilizes for the fragile items in their care.

And last but not least, one should inquire as to the cost that the moving company charges for the relocation. There are quite a few companies that fleece the customers once they sense the customer’s urgency, even to the extent of charging them extra on delivery of one’s possessions. It is a good idea to have a signed contract with the moving company, annotating the rates, the timeline and the extra costs to be incurred on the relocation on paper and have it signed by both the parties ahead of any such transportation. Moving company is quite often the best choice when it comes to relocation, but with so many companies rendering their services, one may have to do a bit of research before settling on the best one to handle the task.

The interest rates that we get charged these days!

The interest rates of the credit cards seems to be on the rise especially of late, I am not sure how many of you had noticed this. When it comes to credit cards we have to be very careful in choosing the card so that the interest rates are kept to a bare minimum and that the interest does not occur an interest. But the later one may be a little bit difficult to accomplish given that most of the companies do exactly this.
The fact of the matter is that the credit card companies are more than eager to accomodate us these days as the market is getting squeezed. We as the public can expect to see more enthralling offers from the card companies and although the offers themselves would sound quite interesting, we must take care to remember that all that glitters is not necessarily gold. Given the high density of cards that are available in the market these days, we may need all the help that we can get in choosing that perfect card. This site is in that sense quite a good thing for us, especially for all those prospective card buyers out there. This site gives one all the information that he or she would ever need when it comes to choosing the right card for you from low credit card interest rate to the ones with the best offers in the market. Therefore if you are aiming to get the best card for you then you better visit this site for all the info!

World finance leaders vow to tackle bank reforms!

The credit crunch as well as the mortgage crisis seems to be pushing the U.S economy on to the fast track towards recession and this is having effects on all the global markets. As it is, most of the major economies are facing the heat as a result of the credit crisis and the world consumer confidende has dipped rather low of late. Some of the major powers like China nd India are facing inflation in high figures and are busy seeking ways to contain the surging economy as well as the rampant inflation. At a recent IMF meeting, the mention of the sale of gold to the tune of $11 Billon by the IMF to shore up funds has highlighted the problem and made it amply clear that no one is immune to the current crisis, it is truly a global one onb almost all the aspects.
Recetnly some of the world financial leaders
met up to discuss the current situation and it was then decided that some of the financial regulations needs to be tightened up a bit so as to enable the world economy to handle the current crisis better. To some this may seem like closing the barn doors after the horses have bloted but the fact of the matter is that the current situation can get a whole lot worse and very quickly at that. In order to prevent that from happenkng as well as to be able to take a firm grip on the situation at hand, the world financil leaders have made the right decision by agreeing to regulate further and to revamp certain financial regulations. This certainly beats sitting in a corner and moping!

Credit cards on the take!

When it comes to credit cards we as the customers are often left in the lurch as a result of lack of information. There are so many card companies around and each and every one of them have so many cards. The end result being that we as the public often get overwhelmed with the sheer number of offers thrown at us by the card companies that we have no idea whatsoever which ones are good for us and which are not. This site is great in the sense that here we can compare one credit card against the others and check out the various offers to see which ones are the ones offering the most. In addition to that we can also compare the cards and see which companies are the ones with the low interest credit card offers.
This site has managed to list out all the credit cards as well as their respective offers and has segmented them accordingly. As it is, this is one of the best sites that we can go to so as to be better informed with respect to the credit cards and find one that is compatible to us in almost every way possible. here at this site, we can also apply for credit cards online with no hassle whatsoever. If we need a credit card then it would be a good idea to check out this site first so as to discover the best ones currently available.