Corliss Group Online Financial Mag does not legally have to publish this warning as we do not facilitate stock transactions; however we believe that as a stock-market based website, you should be aware that prices of shares can go down as well as up and making money is never a guaranteed thing.
Be always aware that past performance of a stock does not guarantee the same performance in the future.
Corliss Online Financial Mag does not take responsibility or accept any liability for any personal loss or materials shown on external websites.
Reasonable, convenient PayPal commercial loans can now be availed of, thanks to alternative business lender, BusinessCashAdvanceGuru.Com.
Small companies can be eligible to loans from $5,000 to $500,000 with interest rates as low as only 1.9 percent with no accompanying credit investigation.
Small commercial lending has dropped significantly from the Great Recession. All over the country, small-sized businesses are now discovering working funds, business loans, and expansion capital as difficult to acquire. “Forty-five percent of the 515 business-people who joined the advocacy group’s survey said availability of loans and credit at affordable rates is a hurdle for their companies. Access to funds was most hard in the Northeast, where 53 percent of the owners said it was difficult to obtain. In the West, 49 percent considered it a major obstacle, followed by 44 percent in the South and 37 percent in the Midwest,” reported the Seattle Post Intelligencer.
Conventional banks, including credit unions, have also increased their financing requirements as a result of several fresh federal stipulations soon to be enforced. Conversely, quick commercial cash loans are rising, with alternative lenders opening accessibility to low-priced business funds.
“BusinessCashAdvanceGuru.Com allows acquiring loan approval as rapid and as convenient as filing a credit-card application. The objective of offering access to commercial-grade funds quickly and easily to small companies all over the country is made possible through the alternative lender’s application of its proprietary commercial loan system.”
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Janet Yellen said in prepared remarks to be delivered in a confirmation hearing on Thursday that the Federal Reserve helped restart the economy after the recession, but still there’s more work to be done.
“We have made good progress, but we have farther to go to regain the ground lost in the crisis and the recession,” reads the statement.
Yellen is at present serving as vice-chair on the Federal Reserve Board, she is nominated by President Obama to succeed Ben Bernanke as head of the central bank.
Bernanke’s second term ends January 31, and in spite of the protests from a few Tea Party members, Yellen is mostly anticipated to be long-established for the position before then. Ten in the morning Eastern, Thursday, her hearing before the Senate Banking Committee is scheduled.
Her comments don’t get into particulars about the Fed’s existing bond-buying program, however simply stress her commitment to “supporting the recovery,” toting up more openness and transparency to the Fed’s communications, and endorsing financial stability.
Since December 2008, the Federal Reserve has been trying to encourage the economy. In an attempt to lower long-term rates as well, that’s when it cut short-term interest rates to near zero and launched its first bond-buying spree.
The Fed is occupied in its third round of bond-buying, in which it purchases $85 billion each month in Treasuries and mortgage-backed securities five years later.
Yellen is currently daunting task if she’s established to serve as the next Federal Reserve chair: How to wean the economy off Fed stimulus at the right time.
Liberal economists dispute that if the Fed discontinues its stimulus too soon, job growth may well carry on at a devastatingly slow pace. The economy may still be too breakable to construct momentum on its own.
However, conservatives argue, that the Fed has done enough by now. They say inflation could take off rapidly, much of the Fed’s $3 trillion in stimulus over the last five years is still sitting idle in bank reserves, and if that money ever floods into the broader economy.
Yellen have a propensity to favor with the liberals and in Fed circles, she’s recognized as inflation “dove.” Her main goal, expressed in numerous speeches, is to get Americans back to work, and in her view, the Fed still has tools to improve the unemployment rate from its current level of 7.3%.
“Unemployment is down from a peak of 10%, but at 7.3% in October, it is still too high, reflecting a labor market and economy performing far short of their potential,” she said in her prepared remarks.
A share has several features that you should understand and get familiar with. The share features are enumerated and defined below.
· Last Price - The last price the share was traded at. · Ask Price - The price at which you can buy your stock. · Bid Price - The price at which you can sell your stock.
Note: There is always a small difference between the bid and the ask price, this is where the market makers earn money.
52 week high
The highest price the share attained during the last 52 weeks.
52 week low
The lowest price the share attained during the last 52 weeks.
Stock ticker symbol
The ticker symbol is the abbreviated company name -- the 2-4 letter symbols beside the price of the share.
· MSFT = Microsoft · VOD = Vodafone
The ticker symbol is usually required when looking for a share. Ticker symbols are particularly handy online when entering shares into portfolio or watch list.
The volume of a share refers to the number of times the share has been traded within the day. The greater the volume, the more liquid the stock is. As such, the share is more stable since more people are willing to buy or sell the share. Meaning, it is a tradable stock you would want to acquire and then sell readily when you need to get rid of it.
If a stock has an average volume of 5 million, it means, on average, 5 million shares are traded daily. Average volume is generally determined within a 90-day period.
Note: Low volume stock should be avoided when buying a share as it can lead to liquidity problems. This is because when you need to sell the share and no one on the other end wants to buy it, then the price can easily go down 0.5-2% or more before you can dispose of it.
The market capitalization refers to the worth of the company based on its issued share capital. The formula for computing market capitalization is (share price X no. of shares in issue).
Companies with huge market capitalization can directly affect the trend of the stock market, particularly in the UK where there are fewer companies and where the bigger companies take up a large percentage of the total market capitalization.
The market capitalization of a company is a measure whether it makes it into certain indices or not, i.e., FTSE 100. In general, the lower the market capitalization of a company, the less liquid its share is.
Note: To get the hang of the notion of shares, I suggest opening up a free practice account. You can trade shares with 'virtual' money, which allows you to practice trading without losing a penny and to learn how much money you can make and lose in a short time (beside, it is exciting to buy and sell shares for the first time!!).
Why do stock prices move up and down?
The primary reason why a company's stock price moves up and down is supply and demand.
A share price goes up when…
· A company makes big profits. · Many people want to buy the shares to get the rewards of the profits. · Few people want to sell the shares. · Only a few shares are available to buy.
A share price goes down when…
· A company makes some losses. · Many want to sell the shares. · Few people want to buy the shares. · Too many shares are available.
However, there are some external factors that influence a company's stock value. One popular factor that is a fairly recent occurrence is the recession. Others include inflation rates, interest rates, job cuts, company mergers, natural disasters, changes in company management, downsizing, etc.
A stock dividend is the payment a trader obtains from the company he/she is presently investing in.
The company pays the dividend from the earning it acquired within its financial year. Hence, if the company does not make a profit, dividends are not likely to be given to the investor.
The dividend is generally paid in two parts, an interim and a final dividend. This means an investor who has shares in a company for one year; he or she will ordinarily obtain two lump sum payments annually (most often as cash payments).
To collect a dividend, you must have the stock before the ex-dividend date. The dividend is given to the investor on the payment schedule set by each individual company. The dates can be obtained from a company's official website in the investor relations section.
If you own 200 shares in a company valued at $10 each ($2,000 total) before the ex-dividend date and the company issues a dividend of $0.10, you will be paid $20! (($2000/$10)x$0.10).
By holding a stock before the ex-dividend date, you will be paid a dividend regardless of whether you have held it for 10 years, 10 months or 10 days!!
Note: Dividends are such a good source of a windfall or bonus that some traders only buy stock before the ex-dividend date and profit dividends rather than capital gains. Find another great reason to trade stocks by checking out stop losses.
The dividend yield (in terms of common shares) is: the latest full-year dividend / current share-price. The figure is expressed as a percentage and informs traders the dividend they are likely to receive from trading a stock.
Here is how it can be illustrated simply:
· The share price of a company is $10 · The company gives a dividend of $0.30 · Hence, the dividend yield is 3% · So, an investor who has 1000 shares (worth $10,000) will receive a $300 payout!
· Ordinary shares are the most familiar type of shares and have flexible dividends (dividends that are adjusted in relation to a company's profit). These shares also allow full voting rights. · Preferred shares carry fixed dividends, which must be paid before any dividends are paid to ordinary shareholders. However, preferred shares do not allow voting rights.
Remember that when dealing with shares in the stock market as we know it, it will practically always be involving ordinary shares and this should not be a very big issue!
Ryanair has followed up its pledge to “not unnecessarily piss people off” by trimming some of its most excessive charges, this consists of baggage fees and penalties for not printing a boarding pass.
The initial actual measures announced from the time when chief executive Michael O’Leary completed a Damascene change to better customer service will also comprise more tolerance of slight booking errors, less irritating announcements onboard and permitting passengers a second small piece of hand luggage with them on the plane.
Customers will almost immediately be capable to look for for flights online without having to enter security codes, and will have 24 hours’ grace to correct minor errors, like spellings of names and routings, in bookings.
Airline will make only safety announcements on early morning and late evening flights, rather than the current barrage of sales pitches and marketing, and dim the cabin lights.
From December, only for customers who have already checked in online boarding card reissue fees will be cut from €70 or £70 to €15 or £15 while those who forget will still pay the standard fine. Airport bag fees for luggage put in the hold will be halved to €30 or £30 at the bag drop desk in January.
O’Leary, who this week overcame his previous disdain for social media toengage directly with customers on Twitter, said: “As we implement our plans to grow from 80 million to over 110 million customers per annum over the next five years, we are actively listening and responding to our customers.”
He put that philosophy into practice to mixed effect on Friday afternoon in his second foray on to Twitter, where despite his recent pledge to tone down the Irish airline’s “macho” image, he informed customers that he kept fit via “Tantric sex. Works for Sting … n’ me!”, repeatedly plugged the airline’s calendar featuring undressed female cabin crew and eventually signed off saying it was time for “3pm cocktails, dancing girls”.
Ryanair’s customer service director, Caroline Green, said: “As some of these policy changes will require website changes and staff retraining, we will be rolling them out over the next few months as we strive to further improve Europe’s No 1 customer service airline.”
She added that if customers should make had other suggestions and feedback on the changes by going, they should make them online. This corresponded to an important adjustment from preceding attitudes to online customer feedback, when a customer who created a Facebook page to complaint at spending hundreds of euros for her family’s boarding passes to be reissued was derided as “so stupid” by O’Leary for her “fuck-up”. On the other hand, O’Leary’s belief that every publicity was good publicity materialized to be shaken by shareholders at the airline’s yearly meeting in September who told him that the negative image required to be addressed.
Ever since, O’Leary has employed the word “sorry” surprisingly frequently. He told the Guardian this week that there was “a mistaken belief that I’m a tough guy. I’m like a little caramel crisp”.
According to the Biz2Credit Small Business Lending Index, more than one-half of all small-business loan applications are being rejected by banks. Companies in need of capital might find lenders more receptive in a hard-hitting lending environment if they invest in audited financial statements.
“We’ve had clients who needed these statements to even get the loan, and it can make a difference in the interest rate you get,” says David G. Barbeito, a principal in the Miami office of Morrison, Brown, Argiz & Farra, a large independent accounting firm.
A study by Michael Minnis, assistant professor of accounting at the University of Chicago Booth School of Business, published in the Journal of Accounting Research found that companies with audited financial statements have interest rates that are nearly three-quarters of a percent lower than companies that do not. In most cases, large companies are more possible to necessitate audits in order to collect loans; on the other hand, Minnis found that firms with yearly revenue of $10 million were not for all time asked to provide those said materials, while firms in the $500,000 range sometimes were.
Before hiring an auditing firm to pore over your books it is significant to do the math. Audited financial statements are expensive, in the ballpark of $15,000 to $20,000 for the smallest businesses and $50,000 to $75,000 for middle-market businesses, estimates Eric Martinez, CPA, an auditor with Jericho, N.Y.-based accounting firm Grassi & Co. In several situations, a review by an auditing firm may be all that is essential, yielding the same lending benefits at about half the cost.
“One of the first things you need to do is to talk to the banker and understand what they’re looking for. A lot of times, we’re able to achieve the bank’s objectives with a reviewed statement,” Martinez says. He recommends business owners make sure the bank is comfortable with the auditing firm in advance, as the bank may have standards of expertise that the auditor needs to meet.
Minnis have the same opinion that a cost in opposition to benefit evaluation is significant before acquiring the expense of audited financial statements, specifically if a loan authorization is not at risk. Still, audited statements may have other benefits to business owners, like helping them set up larger and more favorable lines of credit with suppliers or meeting the management review requirements to catch the attention of outside investors.
The basic stock-market information portion of the site contains simple information on the factors influencing the stock market; you should comprehend these factors before deciding to trade shares.
The key essential factors in the stock market are enumerated below; simply click on anything you desire to find information on. The number of links below may look formidable; but each link contains only brief, pertinent pockets of information, easy to grasp!
If you encounter any unfamiliar words which are not defined in the basic stock-market information portion, check out the stock-market glossary.
· Learn how to reduce risks – Avoid losses · Gain additional income - Dividends · Corliss Online Financial Mag · Practice trading stocks without spending – Stock-market practice account
Ever wondered what shares and stocks are? For a simple explanation in plain English, just read on!
For starters, stock and shares, although different words, often have the same meaning in the stock market world. For instance, one can say "I have stock in Microsoft" or "I have shares in Microsoft". Hence, if you see stock and share mentioned, do not be baffled as the two usually refer to one and the same thing.
Nevertheless, defining distinctly the two:
· Stock is the capital a company raises issuing shares · A share is one unit of stock
Why does Corliss Online Financial Mag exist?
A company issues shares in order to raise capital or money to be used in financing proposed projects or because the company owner/s simply want a large amount of money for themselves to compensate their hard work in building up the company!
· Harry Potter wholly owns Company ABC (We assume that he owns all 100 out of 100 shares of company ABC). · He then issues shares of his company and opts to sell 40% of the company (40 out of the 100 shares).
Why should the public acquire shares issued by company ABC?
The public would buy the shares in order to benefit from future profits made by the company. They would obtain these earnings in the form of dividends.
But there is another reason!
The public could also earn money by an increase in the value of each share. This is referred to as a capital gain on their stock.
· Katty Perry buys 20 shares of company ABC at $10 each, or a total of $200. · As Company ABC continues to grow, so will its profits. Therefore, the demand for shares in Company ABC has grown, meaning to say that people are now willing to pay $18 per unit share in Company ABC. · Perry can decide to sell her 20 shares for $18 per share. Hence, she collects $360, giving her a clean profit of $160 or 80% from her original $200 payment!
Corliss Group Online Financial Mag is a stock-market education website designed to teach beginners how to trade shares. Corliss Group Online Financial Mag does this in a manner easy to understand and uses only relevant and essential information required to trade shares on the stock market.
Corliss Group Online Financial Mag was formed because of the lack of stock-market-related websites that impart the steps required to begin trading safely; thus, our step-by-step guide to buying shares.
Our goals are to:
§ Teach people how to become investors. § Teach the fundamentals of the stock market. § Share with people the best tools needed for trading. § Break the myth that the stock market is only for wealthy and intelligent people. § Break the myth that trading on the stock market is exceedingly risky.