• Keep your banking information secured

    Keep your banking information secured

    Don’t be astonished choosing a password for your Internet banking account is very important. Before you put your password for Internet Banking, make sure that you choose a password that only you can remember. A strong password has ideally at least 14 characters or more – certainly the more the better. The password must be composed of letters, numbers and other symbols. You can use upper and lower case to improve the complexity of...

    http://bank-rates.org/financial-consultant/keep-your-banking-information-secured
  • Alluring bank rates and easy profit

    Alluring bank rates and easy profit

    The banking industry is alluring. In the last ten years, competition among financial institutions has created many opportunities to make extra money with the best Bank Rates. There are two main reasons for this new competition: reduced regulation and appearance of the Internet. With widespread access to broadband, online banks can now offer loads of features that traditional banks can not. In addition, these online banks can offer the best...

    http://bank-rates.org/financial-consultant/alluring-bank-rates-and-easy-profit
  • Online banking: advantages and disadvantages

    Online banking: advantages and disadvantages

    Most online banks offer higher interest rates or other offers on savings accounts and other banking products because these banks have less overhead. There is not much building to pay and there are fewer employees. Account information and services are available 24 hours a day, every day. An exception to this rule would be for online banks may need to go offline for a couple of hours to update and maintain systems. Most online banks have no fees...

    http://bank-rates.org/financial-consultant/online-banking-advantages-and-disadvantages
  • What you need to know about bank rates

    What you need to know about bank rates

    People need the loans for different reasons and things. You can choose different loans, such as home loans, car loans, student loans, business loans and other types of loans. Don’t forget that the percentage varies in different types of loan . Banks will typically have lower percents in regards to percents match to other financial institutions. Before apply for a loan, you must know the rate of bank loans. If you need to buy a house for...

    http://bank-rates.org/financial-consultant/what-you-need-to-know-about-bank-rates
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Trading Psychology: A Checklist Approach

By Kenneth Moore | Jan 26, 2012

The S&P 500 made significant gains in the first days of 2011, yet many market analysts and traders are bearish. The reasons vary and include worries about earnings or the economy but many feel that the market is headed for a fall. These bearish pronouncements seem to be business as usual. Last summer many of the same commentators expected a new bear market but stocks resumed their up trend after a brief decline. It can be difficult to maintain long positions in stocks when everyone seems to disagree with you, but the best traders ignore the headlines and follow their rules. Having a simple checklist to follow can improve your odds of sticking with a disciplined approach.

At any given time, a lot of the people calling for a top are probably seeking headlines rather than profits. There is no qualification test required to become a market commentator or a blogger, and anyone with an email address can use WordPress to offer market opinions.

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Used Car Loan FAQ

By Kenneth Moore | Jan 18, 2012

Purchasing a used car with a loan is very similar to using a loan to purchase a new car. The main difference is that many used car dealers are able to provide financing for people who present a higher credit risk. If you have been thinking about a used car loan, the following FAQ may help you make a more informed decision.

Is it More Expensive to Finance through a Dealer?

Direct dealer financing usually carries a higher interest rate than financing through a lending institution. Borrowing from the dealership is not always the most stable way to finance a car, either. If the dealership should close or relocate while you are still paying off your loan, your loan may be transferred to a different lending institution with different regulations. It is also difficult to refinance a loan held through a dealership.

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Tags: Loan, Used Car
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IS JOSB MONEY IN THE BANK? A RULER DOES THE 4Ms

By Kenneth Moore | Jan 10, 2012

The following JOSB 4M analysis comes to us from Michael McIlhinney.  My brief comments and analysis follow:

“Recently, Jeff H., a newbie to the Rule 1 blog, said that he was looking at Jos A. Bank (JOSB) as a possible Rule 1 business albeit one that is currently trading above its apparent Margin of Safety (MOS).  However, we shouldn’t just throw out JOSB because current price is above the calculated MOS.  This is when we should do our homework to see if JOSB is a great, growing company worth owning at a MOS price.  We know that, although the price will change daily, we need to focus on JOSB’s value.  If JOSB has great future value, then we need to be ready to buy it once it drops under the MOS price.  We do the work now, so that we can be ready to act if/when the price drops.  As I said in my Gildan post, JOSB is a company that I’ve followed for a while and really like, so let’s take a trip through the four M’s, and check out the sticker/MOS.

 

What is JOSB? 

 

Jos. A. Bank Clothiers,

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Tags: Bank, Bank Ruler
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BVI FSC Publishes Financial Statistics for Q2 and Q3 of the Year

By Kenneth Moore | Dec 30, 2011

Last week, the BVI Financial Services Commission published the twenty-third and twenty-fourth volumes of its Quarterly Statistical Bulletin, providing information on financial services activities in the territory in the second quarter and the third quarter of 2011, respectively.

In the second quarter period, ended 30 June 2011, there were 15,689 business companies newly registered in the BVI, as compared to 12,815 in the same quarter of 2010. Also, there were 13 Limited Partnerships registered in the second quarter of the year. According to the Banking and Fiduciary Services statistics for commercial banks, in this period total assets were US$2,419 mln, cash items were US$717,028 mln, loans and advances were US$$1,529 mln, total liabilities were about US$2 mln.

Total number of Licensed Insolvency Practitioners, including Full and Restricted Licenses, in the second quarter of 2011 was 25.

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Tags: Financial, Financial Statistics
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Bank Rates Defined

By Admin | Dec 29, 2011

Bank rates work in three different ways. There are interbank rates which represent the cost of borrowing that banks pay each other or the government to borrow money for solvency. Then there is the savings rate a bank pays depositors for use of their money placed in savings in that particular bank. Finally, there is the interest rate charged on loans banks provide individuals and businesses to use the bank’s money, resulting in a profit from the money paid back.

Interbank rates are the least understood and the most critical for banks. Banks themselves do not keep every cent in their accounts. They try to lend as much as possible to make new money off of loans via interest. However, from time to time, banks need cash infusions to close deals, stay solvent, or meet liquidity requirements imposed by government regulations. Read more…

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Tags: Bank Rates
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