Articles Written By: mercadoforex

Understanding The Stock Market

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So, understanding the stock market…OK…what the heck is the stock market anyways?

The basic function of the stock market is to provide capital resources for corporations that seek capital to expand their operations and finance their growth.

If you make your money available to theses companies, you help them expand and prosper.

Companies that issue stock shares to the public are considered “publicly held” or “publicly traded” companies. Stock shares represents ownership of a corporation. As a shareholder, an investor owns a portion of the company’s assets and profits.

With ownership comes risk and a shareholder assume the primary risk if a business does poorly. However, they also stand to make the greatest return if it succeeds. If he is smart, the shareholder would be wise to be understanding the stock market too.

When an entrepreneur starts a company, he often looks to family and friends for start-up capital. As the company grows, it will need more money, or in other words capital. Those who survive those tough early years, when most businesses fail, will look for a bank loan.

Loans carry high cash costs, in the form of interest payments. Eventually, if the company grows enough, its owners may choose to issue stock shares in the public markets. Understanding the stock market is very important to know for these entrepreneurs.

When you hear that a company is “going public”, it means that the company is issuing shares of ownership for sale in the public marketplace. This process takes place during the initial public offering, or IPO.

The IPO is a first-time offering of stock for sale to the general public. The IPO process involves a number of people in addition to the company owners, and can be a rather complex undertaking. The company itself must be clear in understanding the stock market.

To go public and issue an IPO, the company must use and find an Investment Banking firm that is willing to underwrite the public offering. The Investment Banking firm, or underwriter, will do their best to sell the shares. They may reserve the right to sell the offering on an all or none basis, which means that if they cannot find buyers for all the shares to be issued, they may call off the entire offering.

The underwriters profit in this case is made by a commission charged for selling the stock. If the underwriter agrees to a firm commitment to sell the entire offering, usually the first move is to buy all the shares that are going to be publicly offered at an agreed-upon price.

The underwriter then attempts to sell those shares to the public for a higher price, thus profiting from the transaction.Stock Classification There are two classifications of stock:

Common and Preferred.

Common stock is usually what is issued to the general public. The term common Stock doesnt carry any negative connotations, but rather indicates that it is the “standard” stock the company has offered. Common shareholders have voting rights.

The Three Stages Of Money Laundering

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OK, many of us have seen movies or TV shows where counterfeiters throw money into large dryers with poker chips or dice or some other items to make the bills appear to have been out in circulation when in fact theyve just been printed. Well, this has nothing to do with money laundering so the three stages of money laundering are NOT:

1) Gentle cycle No bleach

2) Tumble Dry on Low Heat

3) No Starch

And do not confuse stages with steps or transactions. Successful laundering, especially in large dollar amounts, is much more than 1-2-3 done. While some transactions can be very simple, others are complex and take much time and effort in order to avoid detection and that is the ultimate goal to avoid detection. It doesnt do the criminal any good to move and change money if it can be easily traced (and then seized). And it is a game in which the tools and tactics are constantly changing and evolving.

The Financial Action Task Force, FATF for short, is the multinational body that sets the global tone for AML efforts. Formed in 1989, it is based in Paris.The Financial Action Task Force (FATF) has a three-part working definition. Each part basically defined one of the stages:

PLACEMENT introducing the illicit funds into the financial cycle. Even if the funds already were in a bank or brokerage account (as in cases of embezzlement or frauds), it is that first step as illicit funds that we will view as placement. However, the most common example of placement is the drug dealer who needs to get large quantities of smaller currency bills into the banking system.

LAYERING the moving and transferring of the funds in order to disguise the origins and true ownership of the money. This phase can be the most important and the most difficult it truly separates the pros from the amateurs. Here the money can change accounts, form, ownership, country, etc. It can go into and out of trusts and shell companies, it can buy or sell real estate or hard goods, it can move through different jurisdictions anything to confuse or eliminate a paper trail. And finally, there is

INTEGRATION this is when the criminal takes economic advantage of the illicit funds and they appear to have come from legitimate sources. Maybe the drug dealer buys a mansion, or a high end car, or a yacht, or even planes to move drugs and other money (in the case of the planes, they will likely be bought through a front or shell leasing company, who will rent it to a front or shell freight company, so that when a plane is ultimately impounded by law enforcement somewhere, it cannot be traced back to the dealer).

So there they are, the three stages of money laundering: Placement, Layering, Integration.

Dubai To Pass A New Law Protecting Investment In Property

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The new law will allow anyone who has made an investment in property in the emirate to receive a full refund if a property developer fails to deliver an off-plan property on time. Other occasions in which investors can request to be compensated include breach of warranty and fraud.
The plans for the new law came to light in June when a draft was published. This early version of the law has undergone amendments after a consultation process. Majida Ali Rashid, director of planning and organisational development at DLD, explained that the public and interested parties, which were included in the talks, brought several suggestions to the table.

Boost to investor interest

The final version, which is now being drawn up, will ensure that interested parties are less exposed to risk when it comes to investment in property in Dubai. With the new law, investors receive extra protection in situations where they have suffered from a developers inability to keep the terms of the agreement. This will most probably give a boost to Dubais property market, aiding the recovery which has recently been seen after the market crashed in
2008 following the global economic crises.

Dubai is a country which has attracted serious global interest for investment in property. Over the last decade the country has launched some of the most ambitious infrastructural and development projects in the world such as Dubai Marina, Jumeirah Lakes Towers, Palm Jumeirah and The World Islands. These and other projects have had property investors salivating. According to the emirates Real Estate Regulatory Agency (RERA), Dubai is currently home to 3,094 registered real estate brokers. Nearly 50 percent of this number comes from UAE (620), with Indians (438) and Pakistanis (428) also well represented. Britain comes fourth with 304 brokers.

And with the new protection measures Dubai will become even more attractive destination for property investors across the world, creating a safe and fertile ground for whatever spectacular project developers in the emirate dream up next.

Interesting Tips On Bad Debt Consolidation

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If you are working on steps towards bad debt consolidation, it is wise to consider negotiating with the creditors. It is also important to know how you can do it successfully to help you come up with a good repayment plan. Remember that working with some creditors can be a difficult and emotionally draining.

It is not uncommon to feel stressed about the situation when one gets constant communication from their creditors. To avoid feeling strained or harassed, be sure to approach the situation with a clear head. File all written communications for future reference. Evaluate your finances to help you understand what you owe and what you have so that you can start paying out your debts.

One of the things you can do is to keep all types of communication with creditors in a safe place. This can help you to take a look at them as you work on a repayment plan. If you manage to make any settlements, be sure to have it in writing as well. This might become useful for future reference.

In your repayment plan, consider paying out creditors that you owe smaller amounts of money first. It is wise not to delay the process. You should start your repayment plan immediately. Once you have paid off your small debts, you can consider making plans to start paying creditors that you owe higher amounts of money.

Be sure to create a clear and well organized monthly budget. This is beneficial in numerous ways. It can help you to negotiate for an affordable repayment plan. Do not hesitate to show it to them. Giving creditors your financial situation in writing can help them to understand your situation better.

Remember that it is important to be in control of the situation even if you have debts to settle. One way of doing this is by letting them understand that you are willing to start making payment. Be sure to let them know how much you can afford. It is important not to strain yourself when repaying your debts.

Another tip that can help you go about bad debt consolidation successfully is to remember to show your creditor that you are committed to your repayment plan. You can do this by taking control of your finances. Make sure that all payments are done in a timely manner and without fail. Keep your spending in check and avoid acquiring more debt.

Sentiments in Forex Trading

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One notion that is overlooked in forex trading is the mere fact that the market crowd itself moves the market. Whenever the crowd sentiments turn out to be considerably negative or positive, it sends out a signal that the trend is exhausted and is about to move the opposite direction. This is how crowd sentiments affect forex option trading and in fact, has been an efficient tool to indicate market trends.

Once a trader locates how extreme crowd sentiments have turned out, she can easily identify market reversals that can lead to substantial winnings. Aside from that, forex news coverage also affects the sentiments of the market. Being able to interpret forex news to find out if the traders are bullish or bearish can serve as a trader’s edge in the market. Part of this strategy is to assess the risk and the time frame of one’s trade by using indicators such as the Elliot Wave theory and Fibonacci principles among other tools.

More so, the techniques that one must master in order to gauge crowd sentiments are indicators such as Commitment of Traders report, pivot points, oscillators, and time cycles. Anything that can identify how the trend shifts based on crowd sentiments at major currency trading turning points can help you decide whether to take a trading opportunity or not.

Using crowd sentiments in trading is effective judging from the trend wherein market tops occur whenever the majority of traders become bullish while market bottoms occur whenever the traders become bearish. A trader who knows how to interpret such trend has a tremendous edge over traders who rely merely on traditional techniques and fundamentals.

Timothy Stevens is a Forex Options Trader who owns – He has helped hundreds of people on Trading Forex with Options.

He has recently developed a free e-course showing you a step by step process for starting your Forex Trading easier. To learn how to start Forex Trading with Options without wasting your time and losing more money, visit

How To Open An Online Second Chance Bank Account

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How To Open an Online Second Chance Bank Account

Second chance checking accounts have very few differences in traditional bank accounts. For instance, since the overwhelming majority of banks and credit unions that participate in ChexSystems’ database inquiry program are brick-and-mortar establishments, this leaves banks that are primarily online based the advantage of being able to operate without the high overhead costs of real estate. ( please read more if you would like to get removed from chexsystem database) In turn, these banks are able to accommodate account holders which other banks and credit unions would deem as too much of a risk. This also means that the interest rates that online banks and second chance banking accounts offer are comparable to traditional banks. Second chance checking accounts are perfect for people who are paid with direct deposit. To sign up for a second chance checking account, all you need is a drivers license and a sister security card. There are no more embarrassing, long lines at the bank paid for decision. (Also consider opening a bad credit bank acocunt if you need one). You already knew that you were approved. There are also no embarrassing inquisitions made by a banker. Your account is approved within minutes. some people also refer to it as 2nd Chance Bank account, which is the same as second chance banking.

Get a No Chexsystem 2nd Chance Bank Account

To open a business second chance bank accounts also offer joint bank accounts, new credit check bank accounts, nine ChexSystems bank accounts, in some even offer offshore bank accounts. Of course, these programs vary from bank to bank so you will have to review the each bank’s programs individually and compare them. 2nd chance bank accounts are typically Internet bank accounts with little or no restrictions to what the account holder can use the account for.

Open an Offshore Bank Account

For instance, contrary to what many people believe, second chance bank accounts do have Visa or MasterCard debit cards issued with them. You may also consider open a new bank account online. These debit cards can be used just like a traditional bank debit card. They can be used at hundreds of thousands of stores worldwide wherever Visa or MasterCard accepted. You can also use your debit card to withdraw money from nearly any ATM in the country. There is only a small withdrawal fee. Accessing second chance checking accounts online is much like accessing any Internet bank accounts online. Simply log into the bank’s website, enter your login information and password and you will be able to do such things as check your account balance, transfer funds from one account to the other and even pay your bills online.

Take a look at www.loanstogo.org to find out whre you can apply for an account today.

Tax Debt & Bankruptcy

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Generally, Minneapolis bankruptcy attorney advocates that if you owe debts to the Internal Revenue Service or other State’s equivalent agencies, the debt is not dischargeable in bankruptcy but for very particular circumstances concerned. In case of bankruptcy Chapter 7, a complete discharge of allowable debts is possible whereas in bankruptcy Chapter 13 a payment arrangement is designed to disburse some debts while the remaining debts are discharged. In the bankruptcy laws, usually the tax debts are taken care of in the same manner as in both bankruptcy Chapter 7 and Chapter 13 petitions. The majority of tax debts cannot be discharged in bankruptcy says Minneapolis bankruptcy lawyer. A bankruptcy petitioner who has tax debts has to essentially fulfill the required five criteria for discharge and the majority of people are not able to fulfill these criteria.

All tax debts are related to a specific tax return and tax year keeping that in consideration the bankruptcy law has laid out specified criteria in relation to how old a tax debt can be explains Minneapolis bankruptcy attorney.

If the income tax debt of a petitioner fulfills all of the five rules, then that tax debt can be discharged in Chapter 7 and Chapter 13 bankruptcy petitions. The Five Rules to Discharge Tax Debts are listed here: 1. The due date is at any rate three years ago for filing a tax return. 2. The tax return has been filed at any rate two years ago. 3. The tax assessment done is at any rate 240 days old. 4. The tax return has not been fraudulent. 5. The taxpayer has not been at fault of tax evasion.

Some ‘Tax Debts’ are ‘Not Dischargeable’ according to Minneapolis bankruptcy lawyer such as the tax debts arising from unfiled tax returns. The IRS customarily reviews tax on unfiled returns. However, only if the taxpayer files a tax return for the year in question such tax liabilities cannot be discharged.

Prior to a Chapter 7 or Chapter 13 bankruptcy is granted, the bankruptcy petitioner needs to provide evidence that the four preceding tax returns have been filed with the IRS and not after the date of the first creditors’ meeting in a bankruptcy case as well as offer a copy of their most recent tax return to the bankruptcy court.

About the author:

Richard writes for the legal and bankruptcy law website Minneapolis bankruptcy help. The law firm has an enviable track record of helping companies and individuals file for bankruptcy protection successfully. For any of your bankruptcy problems meet their and get rid of your financial woes.

Professional Athletes With Tax Debt Problems

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Darryl Strawberry
Dodgers star, Darryl Strawberry first got in to trouble with the IRS in 1994 when he was put under investigation for tax fraud. The IRS tacked him with tax evasion, and he had to pay back $350,000 in back taxes, serve 3 years of probation, six years of home confinement, and complete 100 hours of community service.

2. Lawrence Taylor
Former Giants linebacker, Lawrence Taylor filed an incorrect federal income tax return back in 1990. Taylor pleaded guilty to the tax charges in 1997, and was punished with three months house arrest, five years probation and 500 hours of community service for income tax evasion.

3. Pete Rose
Baseball favorite, Pete Rose, also got in to some trouble with the government in 1990, when he filed a false income tax return. Despite his celebrity status, Rose was sentenced to five months in a correctional facility, three months in a community treatment center, 1,000 hours of community service and a $50,000 fine.

4. Helio Castroneves
The recent controversy around Indy 500 racer Helio Castroneves and his supposed $5 million tax debt has shed light on the tax problems sports stars can get in to. He is currently being tried for evading taxes on a licensing deal that he claims to never have received a dime from. Only time will tell whether the Indy 500 and dancing with the stars celebrity actually committed the tax crime.

5. Willie McCovey
Hall of Famer Willie McCovey, like many other athletes who ran in to tax trouble, did so by forgetting to claim cash made during autograph signing. While McCovey pleaded guilty to the crime, he also claimed to have committed it unknowingly, since he had a professional handle his accounting. He was sentenced to two years of probation and fined $5,000.

6. O.J. Simpson
Although infamous for more than his athletic abilities, O.J. Simpson upset the IRS enough to be put on the California tax shame list. His tax debt was over $1.5 million, and he stayed on the list for more than a year.

7. Jesse Owens
The late 1930s Olympic winner Jesse Owens got himself into trouble with the IRS. After the Olympics, Owens tried multiple business ventures in the United States to profit off his newly found fame. However, one of his ventures lost Owens a fortune and rendered him unable to pay his full tax liability. As a result, Owens was forced to declare bankruptcy.

8. Boris Becker
Famed tennis player and bad boy, Boris Becker, ran right in to tax trouble when it was discovered his apartment was not his priority residence, as previously claimed. As a result, he was given two years probation, fined $500,000, and ordered to pay expensive court fees.

Clerk Recruitments in Punjab and Sind Bank

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IBPS stands for the Institute of Banking Personnel Selection and it’s a premier institute in India that is responsible behind the selection of candidates for all the public sector banks in India. IBPS has been doing this selection for the past 40 years and thus it has formed a benchmark that one needs to overcome so as to be a part of a public sector bank. The IBPS clerk recruitment 2012 drive is designed for filling up the clerical vacancies in the various public sector banks of India. For example the Punjab and Sind bank would intake the clerks under the drive Punjab & Sind bank recruitment 2012, but the exams would be conducted by the IBPS. >

The IBPS has been involved with extensive studies and several activities which help them to design examinations that would scrutinize and find out only the most deserving ones. Today several organizations look up to IBPS for solutions in the field of human resource management. The IBPS has an arsenal of highly trained professionals from different fields such as finance, bank, information technology, psychology etc. Together they all are responsible for bringing out the best of a candidate and also getting the best candidate. The IBPS is a highly effective and capable institute having the capacity to test over 1 million candidates at a single go. This is the reason several organizations and more so the public sector organizations trusts the IBPS. The IBPS clerk recruitment 2012 examination would ensure that only the befitting candidates make through and get the jobs. The Punjab & Sind bank recruitment 2012 drive’s first state is the common written exam conducted by the IBPS. The results of the written test if followed up by the interviews conducted by the Punjab and Sind bank officials.

There is a lot on stake when it comes to the IBPS clerk recruitment 2012 as there are thousands of vacancies to be filled up. Thus one need to stay prepared for the challenge and stand tall when they get a chance. The best approach would be to solve as many previous papers of IBPS as possible. For higher chances of making it to the interview rounds of the Punjab & Sind bank recruitment 2012, one can also take the model papers. These papers contain questions that are likely to come in the upcoming examinations and they are derived from the previous year questions.

Get tips for IBPS clerk recruitment, tips for and download syllabus for at jagranjosh.com

Importance Of Product Liability Insurance In Businesses

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Product liability insurance covers businesses from claims against injury, illness, or a loss caused by use of their products. In the realm of product liability insurance, product is defined as tangible goods which are sold or given away. A product supplier or manufacturer is duly responsible for any damage that his product might cause to a consumer.

If a product causes damages or injuries, the consumer can bring a claim against the supplier. It does not really matter whether he is the manufacturer or not. For instance, if you have an eatery and the food served leads to the death of more than fifty people, the product liability claim will be huge. As much as the conventional logic holds the manufacturer responsible for a defect, it’s quite hard to prove it.

The risk magnitude, claim and premium are ascertained through various ways such as the customers purchasing the product, how it was used, and warning labels that the product has. The product liability cover guards a company against any unanticipated circumstances that may cause damages or injuries to the product users. In case a person manufactures inferior items, there is no insurance cover that can protect him. For a manufacturer, the cover is massively important; just a small defect could make a firm be a target for big claims.

Manufacturers should look for product liability packages that cover all manufacturing quality, indemnity costs, safety claims and others. They can also lower the premium costs by taking some measures in advance. These measures must however be disclosed to the insurance company.

Product liability insurance is there for the wider benefit of the business. There are occasions when a general liability insurance policy includes product liability although a business sometimes has to get a specific product liability cover. This type of insurance is so critical because the business of providing products to a customer is very risky, more so if the product can become defective and cause injuries or property damages. Whether a business is the distribution, manufacturing, retailer, intermediary, refurbishing or any other component of the distribution chain, the risk of product liability claims is quite high.

Rather than face lawsuits, legal claims or any other legal expenses, which can really devastate a company and make it run out of business, firms are encouraged to take product liability insurance. This is an aid against any consumer debacles that may arise on the legal front.

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