Business Finance Blog

Trading Software Offered by FIBO Group

admin — Wed, 18 Jan 2012 12:10:48 +0000

You might have known that Forex requires access to the Internet, and hence, Forex trade can’t be carried out if you don’t have trading programs. Really good brokerage companies know this and try to offer the modern software their customers. FIBO Group is not an exception, as advanced trading platform is always an advantage of the company, which attracts more new clients to it. The trading terminals of FIBO Group will make your trading simple and will give you an access to operating with CFDs and futures contracts.

FIBO Group offers the traders to choose, how they want to act on the CFD market and Forex. The range of the company’s software contains, of course, MetaTrader 4 but in different variants; web terminal, which allows trading by means of a browser; clients, which enable you to trade through a mobile phone (smartphones, BlackBerry, PDAs, iPhone); software for controlling two or more accounts –

Multi Terminal. You can also choose MetaTrader 5, but just in the demo mode, at the company. However, the company plans to launch this trading terminal, allowing the traders to use it for making the currency transactions on the commercial accounts at Forex. As FIBO Group gives you an access to Electronic Communication Network, it also provides you with Power Trader program for it.

You have an opportunity to trade futures and options within FIBO Group, and it requires a special program, offered by the Forex broker as well. CQG Trader and CQG Integrated Client, Strategy Runner, and MTrade belong to these trading programs. FIBO Group supports CQG Trader, letting you to work on the futures and options markets throughout the world. This software is extremely suitable for the effective intraday trading and it’s very quick. However, you have to know that using a technical method of analysis and monitoring the currency graphs is not possible if you trade on CQG Trader. These functions are available in CQG Integrated Client, as it’s an improved variant of the terminal. On the website of the company you have an opportunity to try a demo version of CQG Trader software. If you try Strategy Runner, it’s possible to trade the widespread in the electronic system futures contracts. There is the domo mode of Strategy Runner on the FIBO’s website as well. Forex account managing demands using only proved trading programs, which are offered by FIBO Group.

Broker Forex List: The Smart Way of Choosing an Online Forex Broker

admin — Wed, 18 Jan 2012 12:06:59 +0000

With so many quality forex brokers available on web, it is sometimes hard for individual traders to research about each and every forex broker before selecting them. As such, there are plenty of websites that now offer unbiased reviews about online forex brokers on world web. These reviews can provide deep insight about the working of online forex brokers as well as professional and technical analysis of their online trading services as well.

Forex brokers review sites can provide you splendid reviews about the working of an online forex broker but they also provide you list of services of forex trading broker so that you can able to develop ideal and long term relationship with your forex trading broker. While visiting these websites, you should check out these vital trading details:

Country of Forex Broker Activity – If you are looking to develop a relationship with forex trading broker then it is necessary for you to check out the location of a forex trading broker first. Some countries have strict tax laws and tough trading conditions that can make the trading process with some specific forex brokers bit complex.

Leverages – Each forex trading broker offers different ratio of leverage to their customers. This factor is vital for those investors who want to place their trading orders at the ratio of 500:1 or above.

Pips Spread – The net difference between the sell fee and the question fee can bring you a perfect percentage of forex trade itself. Therefore, finding a forex brokerage website that offers decent percentage of forex leverage is extremely vital for any type of forex investor.

Customer Support and Service – A forex broker list must contain current customer reviews which explain clearly that how a specific forex trading broker reacts and responds to the shareholder questions and issues of the customers. The biggest problem that lots of forex investors have is their online forex brokers never feel well responsible and supported in tough trading times.

Minimum Account Deposit – Nearly all online forex trading brokers offer minimum forex deposit amount to traders so that they can build their trades easily. The broker list must shows clearly that how much you have to deposit in the broker’s account in order to start forex trading.

The process of selecting online forex broker may be hard for a novice investor, but there are certain websites that make this complicated process simple and easy.

International City, Dubai’s answer to affordable and modern residence

admin — Fri, 06 Jan 2012 12:45:06 +0000

International City of Dubai is like a world built inside a city. The community was planned to construct clean houses in Dubai, which would be equipped with modern facilities and available at affordable price. The International City is situated in Dubai’s Al Warsan area along the Dubai Hatta Road, which make major roads, like Sheikh Zayed Highway and Emirates Road, easily accessible for the residents. Dubai International Airport is just 12 kilometers away from the community and some of the Dubai’s most popular attractions, including Festival City Complex, Uptown Mirdif, Fruit & Vegetable Market and Dragon Mart, are also few minutes’ drive away from the International City.
It is one of those locations of Dubai where traffic and roads system is quite well planned and residents get to spend less time on roads. The interesting thing is that the community is sub divided into smaller communities, which are themed as various countries of the world. It includes themed communities of China, England, Italy, Spain, Persia, Greece, Morocco, France and Russia. The exterior of International city apartments is also designed in accordance with the name or theme of the sub community. Even the overall environment of the community echoes with the culture and traditions of its themed country. Famous landmarks of the themed countries have been built in the streets, for instance, in the community of China there is ‘Forbidden City’. Plus, the architectural designs of apartments, with traditional Chinese balconies, and red tiles set on typical Chinese canopies, offer a pleasant Chinese ambience.

The Dubai International City was built to accommodate about 120,000 people and right now, there are about 60,000 people residing here. People from multiple ethnicities and nationalities from all around the world have been settled here. The International city properties and complexes have been built for mixed purposes. The upper storyes of a building are usually assigned for residences and apartments whereas the lower storeys have retail outlets, restaurants, spas, gyms, health clubs and superstores.

Business Financing :Car Insurance Comparison

admin — Fri, 06 Jan 2012 12:39:10 +0000

You can get an excellent cheap car insurance if you know how to compare car insurance properly. It can be helpful for you in odd times. It is not a difficult task to compare car insurance and it can assist you to choose a better option according to your need. There are some points which [...]

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You can get an excellent cheap car insurance if you know how to compare car insurance properly. It can be helpful for you in odd times. It is not a difficult task to compare car insurance and it can assist you to choose a better option according to your need. There are some points which we are discussing here. You can simply pay attention towards these points while choosing classic car insurance. It can give you a better a deal.

The final quotes offered by the insurance companies are not the only thing if we are looking for cheap car insurance. It is necessary for a customer to check whether the company is asking for all the necessary data or not. If a company is asking you to pay a particular premium without taking all the necessary data than it simply means that it is the general estimate of the insurance. You can get the total cost of your insurance once you provide all of your important data like your age, location, sex and driving history. Those people who have a clean driving history of minimum five years will pay less in comparison to other people.

There are a number of other factors which determine the overall cost of insurance. What the total coverage is? What is the mode of payment? Are there any additional surcharges or hidden fee? These are some points which a buyer should check while purchasing classic car insurance. You can get a number of options online but do not forget to check these points before you purchase. Many companies provide freebies and various types of discounts. Take a look on these offers also. The chances are that a particular offer may be suitable for you. These are some points which you should look while purchasing car insurance.

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Want to Know More about Professional Liability Insurance? Read on

admin — Tue, 13 Dec 2011 04:40:21 +0000

If you are looking for affordable professional liability insurance, it helps to know what is covered by this specific type of insurance and what isn’t. Public liability insurance varies from every state and is based on how it can affect third parties. Businesses need liability insurance and malpractice insurance as well so that they are protected in case of injury or accident. This insurance is a part of the system of risk financing and is supposed to protect the insured individual in case of lawsuits or other claims that are false. The insurance carrier is supposed to defend the insured person, and if you purchase good insurance this is sure to happen to you as well. You will love the ability you have in having insurance that protects you no matter what happens to you, because life will bring many things to you that you want to be good and ready for.

The company you choose will indemnify your costs if you happen to have a liable claim, and there is a policy limit that is usually set. It is very important you consider the cost towards getting insurance of this kind so you are always protected. If you have children and want them protected from injury, get insurance for your family as you will be able to protect the kids from whatever trouble they may curiously get into. The moment you don’t think you need it, is the time you usually do. Choose the best professional liability plan for you and your family today, and benefit from the peace of mind and security it will give you.

My own business

admin — Sat, 10 Sep 2011 03:33:42 +0000

I’m a business owner, and I tell ya, recently the crazy weather that we’ve been getting here, has really affected my business and my finances. The region I’m in has been experiencing some pretty insane weather lately, and it’s really affecting our way of life here. After a huge storm, and tornadoes last month, our entire town lost power, including my ice cream shop, where all of my ice cream melted and food started to go bad because the fridges were out. It was a total nightmare. I had no money to pay for all the damages and replace all of the 60 tubs of melted ice cream and food. I took out a merchant cash advance to help me purchase everything that I had lost as well as help to cover some damages to the exterior.

A merchant cash advance is something that many people might not be aware is available to business owners out there. It’s basically an alternative to getting a business loan from a bank, they are easy and really fast to obtain, which is why I decided to go that route. I needed to fill my fridges and get my ice cream supply back before the long weekend, with a merchant cash advance I was able to get funded in a little as 48 hours, which gave me the money and the time to get up and running again before the weekend came. I know a lot of business owners as we hold monthly seminars and gatherings in my town, we discuss things we can do as small businesses to improve ourselves and do better in our community, and the issue of money always comes up. Many business owners have a hard time getting enough capital to make improvements, and banks just don’t have as much faith in small businesses in this poor economy. After going through the situation where I needed money desperately for my business, I have mentioned the merchant cash advance option to my fellow business owners, where many have also taken advantage of this great opportunity.

For the most part, I’m sure that most of these merchant cash advance places have similar requirements, they are usually fast funding and do not require that you have a perfect credit history. If you wonder why, it’s because the lending approval is based more on what your business earns in a month rather than if you have good credit. Let’s face it, we all, or most I should say, have some negative stuff on our histories, the banks would definitely see that as a red flag, but with this loan alternative it isn’t a huge deterrent. It’s very stress free, you can actually get a loan all the way up $250000, and this money can go into your account as soon as 48 hours after you are approved.

I got my business back up and running within 3 days of the initial approval, that was with everything, from receiving the money to ordering my products, restocking and everything! If I had done this through the bank, I would have never been on time to open for the long weekend.

Business and Finance :Some of the biggest bubbles and crashes

admin — Fri, 26 Aug 2011 00:37:24 +0000

Everything looks gloomy and now the question is when everything will be back to normal.Is there any clue we can get from history or learn anything from it?I cam across really nice article on some of the biggest bubbles as well as crashes in last 3-4 centuries. Check this link for more details on the same

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Today, 24 Oct 2008, is one of the worst days, if not the worst, in global financial markets.Everything looks gloomy and now the question is when everything will be back to normal.Is there any clue we can get from history or learn anything from it?I cam across really nice article on some of the biggest bubbles as well as crashes in last 3-4 centuries. Check this link for more details on the same.

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Business Financing :How to perform stock research using fundamental analysis

admin — Fri, 26 Aug 2011 00:37:24 +0000

Financial stability ratios:These ratios are useful to check inherent financial strength of company and it’s cashflow patterns.
a) Debt-Equity ratio:
Debt-Equity ratio = Total Liabilities / Total Share Capital
This ratio provides leverage situation of company in the sense that it compares company’s total liabilities to total shareholder equity.
Broadly speaking, it should not be much higher (should not be greater than 2 or 3, there are exceptions like financing stocks)
b) Interest Coverage ratio:

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Performing stock research is tedious task but you will be surprised to see how quickly you can do once you do it for 2-3 times.
In this article, I will try to provide various parameters mainly related to fundamental analysis (which I believe is backbone of investing) to perform stock research. I have specifically kept in mind that this should be easy to calculate stuff from balance sheets and profit/loss statements, as main target audience for this article is retail investor. And, I will be focused on company research only, not on industry outlook.
This is relatively big article, so if you don’t have time now then bookmark it or print it and read it out later.
Why do I recommend performing through analysis before investing:
Relatively less stress, when things are not going right in market. As, you know reasons behind your investment decision.In case of any failure, one can at least know what went wrong and take priceless learnings from it.I am firm believer that if you need to put 10 minutes to earn Rs. 100 then investing Rs. 100 deserves at least 1 minute (10%) of your time.Great wealth can be achieved by only un-earned income and investing is probably the most easiest way to generate un-earned income.What is Fundamental Analysis? The main goal of fundamental analysis is to find out intrinsic value of stock, means primary assumption for fundamental analysis is that the price on the stock market does not reflect the ‘true’ value of stock (share). In a nutshell, focus of fundamental analysis is to determine true value of stock by focusing on various factor’s like growth, company’s actual business, company’s financial strength and its future prospects.
How to perform fundamental analysis? I will like to break fundamental analysis mainly in three parts:
Financial stability ratiosPerformance indicatorsValuation parameters Broadly speaking, fundamental analysis should be performed at least for past 3 years (more you go, better it is).
In addition to this analysis, there are some other things to look at, which I have mentioned at the end of this article (in conclusion section).
1. Financial stability ratios:These ratios are useful to check inherent financial strength of company and it’s cashflow patterns.
a) Debt-Equity ratio:
Debt-Equity ratio = Total Liabilities / Total Share Capital
This ratio provides leverage situation of company in the sense that it compares company’s total liabilities to total shareholder equity.
Broadly speaking, it should not be much higher (should not be greater than 2 or 3, there are exceptions like financing stocks)
b) Interest Coverage ratio:
Interest coverage ratio = Earnings before interest and Tax (EBIT) / Interest
This ratio indicates how easily can company pay interest on its outstanding debts. Warning signs are triggered when this ratio become less than 2.
c) Current ratio:
Current ratio = Current Assets / Current Liabilities
This ratio indicates company’s liquidity condition, in terms of paying of short-term liabilities from its short-term assets.
Warning signs are triggered when this ratio becomes less than 1 and be cautious if this ratio is less than 1.5
2. Performance indicators:
These ratios are useful to check performance of the company.
a) Operating Margin:
Operating Margin = EBDIT / Net Sales * 100
EBDIT indicates Earnings Before Depreciation, Interest and Taxes. This ratio indicates net profitability of the operation of the business.
b) Gross Margin:
Gross Margin = EBDT / Net Sales * 100
EBDT indicates Earnings Before Depreciation and Taxes. This ratio indicates Gross profitability of company (margin after paying interest).
c) Net Margin:
Net Margin = Net Profit / Net Sales * 100
Net Profit is derived after depreciation and payment of interest and taxes. Higher the margin better it is.
d) Return on Assets (ROA):
ROA = Net Profit / Total Assets * 100
This ratio indicates how profitable the company is relative to its assets and ability of management in generating profits from assets.
e) Return on Equity (ROE):
ROE = (Net Profit – Preferred Dividend) / Total Share Capital * 100
This is perhaps Warren Buffet’s favorite parameter. This ratio provides percentage return on shareholder’s equity.
f) Return on Capital Employed (ROCE):
ROCE = Net Profit / (Total Debt + Total Share Capital) * 100
This ratio indicates how profitable the company is relative to total capital employed and ability of management in generating profit out of it.
g) Sales Growth:
Sales Growth = (This Year’s Sales / Last Year’s Sales – 1) * 100
As name indicates, this ratio Net Sales (revenues, top-line) growth. Above formula will provide YoY (Year on Year) sales growth, similar way we can find Half yearly sales growth and QoQ (Quarter on Quarter) sales growth.
h) EBIT Growth:
EBIT Growth = (This Year’s EBIT / Last Year’s EBIT – 1) * 100
This ratio provides growth percentage in EBIT (Earnings Before Interest and Taxes) term.
i) PAT Growth:
PAT Growth = (This Year’s PAT / Last Year’s PAT – 1) * 100
PAT indicated Profit After Tax (Net Profit).
j) EPS Growth:
EPS Growth = (This Year’s EPS / Last Year’s EPS – 1) * 100
EPS indicates Earnings Per Share.
k) BV Growth:
BV Growth = (This Year’s BV / Last Year’s BV – 1) * 100
BV indicates Book Value.
3. Valuation Parameters:
First of all, valuation ratios are related to CMP (Current Market Price). So, they are quite volatile in general. As someone rightly said profits are made when you buy and not when you sell, so in that regard valuations are key.
But in general, valuations have significance after particular stock is passed through criterias of above two sections. (sometimes its easiest to ignore any scripts just on the basis of valuations like, 100 PE stock with only around 15-20% growth)
a) PE:
PE = CMP / EPS
PE – Price to Earnings, perhaps the most looked parameter. In general, stocks with higher forecast earnings growth will have higher PE and those expected with lower earnings growth will have lower PE.
b) P/B:
P/B = CMP / BV
P/B – Price to Book, very important ratio for value investors (historically, these group of investors have made most money out of stock market).
c) Dividend Yield:
Dividend Yield = Dividend per share / CMP
This indicates dividend return in percentage terms of total investments.
d) PEG:
PEG = PE / Earnings Growth
PEG – PE to Growth, Peter Lynch’s parameter. This ratio provides relative values of PE and growth projections.
e) PES:
PES = PE / Sales Growth
PES – PE to Sales Growth. My own finding, as I believe that to increase earnings in long term, sales have to improve (only profit improvement may not work in all cases)
In conclusion:
There are mainly three aspects of fundamental analysis: financial stability ratios, performance indicators and valuation parameters.
Some Miscellaneous Notes:
Quality of management. As a retail investor, it’s difficult to judge quality of management. I generally tend to look at ROCE, ROA and MF holdings. I request readers to let me know through comment/emails, if there are any other better ways.Order Book. I haven’t mentioned regarding order book in this article. Again, I request readers to let me know through comment/emails, if there are any better ways.Earning estimates. I tend to look at ICICI Direct for that. This point is specific to Indian equities.As stated above, I haven’t talked about industry outlook and broadly speaking, stock prices are hugely dependent on industry performance.Peer competition (competition between companies in same sector) is not considered here.Take a look at share capital, and if that is increasing then be extra careful, as ROE will be affected by increased share capital.Shareholding pattern is fairly important thing to look at. Mainly three things: promoter, institutions (DII and FII) and retail holdings. Broadly speaking, it’s good to have high promoter holdings and if retails holdings are high then stock will not perform well.Secured loans and unsecured loans in balance sheet. If unsecured loans are high, then be extra careful as it will require to pay more interest (and other question comes as, is the company desperate for funds?)I tend to look at whether MFs are dumping that stock and if yes, then why?Be cautious when you see high “other income” in profit/loss statement.Many of above mentioned ratio can be found directly calculated at India Infoline. This point is specific to Indian Equities.After seeing October-2008 carnage in emerging markets, I will like to add one more parameter and that is FII holdings in stock.Some cautious words: Don’t always believe what you see in balance sheets and profit/loss statements. Check this article to know more. But frankly speaking, as a retail investor, we do not have any further meaningful information. I like to here comments on this point as well.Disclaimer: Use your own judgement before making decisions. I am not responsible for any of your decisions based on this article.

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Business Finance :Warren Buffet’s advice for 2009

admin — Fri, 26 Aug 2011 00:37:24 +0000

but mere talk leads only to poverty.* Laziness: A sleeping lobster is carried away by the water current.* Earnings: Never depend on a single source of income. [At least make your Investments get you second earning]* Spending: If you buy things you don’t need, you’ll soon sell things you need.* Savings: Don’t save what is left after spending; Spend what is left after saving.* Borrowings:

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We begin this New Year with dampened enthusiasm and dented optimism. Our happiness is diluted and our peace is threatened by the financial illness that has infected our families, organizations and nations. Everyone is desperate to find a remedy that will cure their financial illness and help them recover their financial health. They expect the financial experts to provide them with remedies, forgetting the fact that it is these experts who created this financial mess.Every new year, I adopt a couple of old maxims as my beacons to guide my future. This self-prescribed therapy has ensured that with each passing year, I grow wiser and not older. This year, I invite you to tap into the financial wisdom of our elders along with me, and become financially wiser.* Hard work: All hard work bring a profit, but mere talk leads only to poverty.* Laziness: A sleeping lobster is carried away by the water current.* Earnings: Never depend on a single source of income. [At least make your Investments get you second earning]* Spending: If you buy things you don’t need, you’ll soon sell things you need.* Savings: Don’t save what is left after spending; Spend what is left after saving.* Borrowings: The borrower becomes the lender’s slave.* Accounting: It’s no use carrying an umbrella, if your shoes are leaking.* Auditing: Beware of little expenses; A small leak can sink a large ship.* Risk-taking: Never test the depth of the river with both feet. [ Have an alternate plan ready ]* Investment: Don’t put all your eggs in one basket.I’m certain that those who have already been practicing these principles remain financially healthy. I’m equally confident that those who resolve to start practicing these principles will quickly regain their financial health.Let us become wiser and lead a happy, healthy, prosperous and peaceful life.

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Business and Finance :A gory 2008

admin — Fri, 26 Aug 2011 00:37:24 +0000

I happen to work in the technology sector, but has a niche for finance. Well I’m not an expert by any means, but couldn’t ignore the current market histrionics either. So I decided to dig more on this subject and explore what led us to this sudden debacle of the world markets.Over

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I happen to work in the technology sector, but has a niche for finance. Well I’m not an expert by any means, but couldn’t ignore the current market histrionics either. So I decided to dig more on this subject and explore what led us to this sudden debacle of the world markets.Over my next few posts I will try to explain the chronicle of events (and explain them in lay man’s terms) that has formulated one of the biggest financial crises of the century.

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