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About WFNN World Financial News Network provides a unique blend of data, timely information and today's technologies to assist with up-to-the-minute investment and economic values on markets and investments around the world.
Accounting and financial services are located across the United States and throughout the world. In the U.S., most accounting and financial services follow generally accepted accounting principles (GAAP), a common set of standards and procedures for compiling financial statements. Organizations that specialize in multi-national transactions serve a variety of clients in the engineering and technical market sectors. -Market Analysts -Trading Resources -Financial Exchanges
In the beginning, those with all the money created the New York Stock Exchange, the London Stock Exchange and others of its ilk, and they saw that it was good. Buyers and sellers crammed floors in the world’s great cities to find one another amid great theatrics and commotion, the value of corporations rising and falling in a corresponding manner. Not much changed for centuries, even as millions of new investors and thousands of new companies joined the fray.
In the past decade, though, egged on by computerized trading and international market pressures, the world’s exchanges have been enveloped in a rapid succession of the sort of mergers and IPOS that typically involve companies on these markets. How and when the dust will settle is anybody’s guess, but there’s little question that these deals are sparking stunning transformations in how business is done that will leave the markets of the future looking little like what came before. -Online Stockbrokers
A growing number of stockbrokers employed mostly by discount or online brokerage firms, work in call-center environments. In these centers, hundreds of agents spend much of the day on the telephone taking orders from clients or offering advice and information on different securities. Often, such call centers operate 24 hours a day, requiring agents to work in shifts work in offices under fairly stressful conditions. They have access to “quote boards” or computer terminals that continually provide information on the prices of securities. When sales activity increases, due perhaps to unanticipated changes in the economy, the pace can become very hectic. Financial services sales agents normally work 40 hours a week in a comfortable, less stressful office environment. They may spend considerable time outside the office, meeting with current and prospective clients, attending civic functions, and participating in trade association meetings. Some financial services sales agents work exclusively inside banks, providing service to walk-in customers. -Stockbrokers
Competition for entry-level jobs usually is keen, especially in larger firms; opportunities should be better in smaller firms.Turnover is high for stockbrokers beginning , who often are unable to establish a sizable clientele; once established, securities and commodities sales agents have a very strong attachment to their occupation because of their high earnings and considerable investment in training.Most investors, whether they are individuals with a few hundred dollars to invest or large institutions with millions, use securities, commodities, and financial services sales agents when buying or selling stocks, bonds, shares in mutual funds, insurance annuities, or other financial products. In addition, many clients seek out these agents for advice on investments, insurance, tax planning, estate planning, and other financial matters.Securities and commodities sales agents, also called brokers, stockbrokers, registered representatives, account executives, or financial consultants, perform a variety of tasks, depending on their specific job duties. When an investor wishes to buy or sell a security, for example, sales agents may relay the order through their firm’s computers to the floor of a securities exchange, such as the New York Stock Exchange. There, securities and commodities sales agents known as floor brokers negotiate the price with other floor brokers, make the sale, and forward the purchase price to the sales agents. If a security is not traded on an exchange, as in the case of bonds and over-the-counter stocks, the broker sends the order to the firm’s trading department. Here,using their own funds or those of the firm, other securities sales agents,known as dealers, buy and sell securities directly from other dealers, with the intention of reselling the security to customers at a profit. After the transaction has been completed, the broker notifies the customer of the final price.Securities and commodities sales agents also provide many related services for their customers. They may explain stock market terms and trading practices, offer financial counseling or advice on the purchase or sale of particular securities, and design an individual client’s financial portfolio, which could include securities, life insurance, corporate and municipal bonds, mutual funds, certificates of deposit, annuities, and other investments.Not all customers have the same investment goals.Some individuals prefer long-term investments, for capital growth or to provide income over a number of years; others might want to invest in speculative securities, which they hope will quickly rise in price. On the basis of each customer’s objectives, securities and commodities sales agents furnish information about the advantages and disadvantages of an investment.They also supply the latest price quotes on any securities, as well as information on the activities and financial positions of the corporations issuing the securities. Most securities and commodities sales agents serve individual investors; others specialize in institutional investors, such as banks and pension funds.In institutional investing, sales agents usually concentrate on a specific financial product, such as stocks, bonds, options, annuities, or commodity futures. At other times, they may also handle the sale of new issues, such as corporate securities issued to finance the expansion of a plant.The most important part of a sales representative’s job is finding clients and building a customer base. Thus, beginning securities and commodities sales agents spend much of their time searching for customers—relying heavily on telephone solicitation. They also may meet clients through business and social contacts. Agents often join civic organizations and other social organizations to expand their networks. Many sales agents find it useful to contact potential clients by teaching adult education investment courses or by giving lectures at libraries or social clubs.Brokerage firms may give sales agents lists of people with whom the firm has done business in the past. Some agents inherit the clients of agents who have retired. After an agent is established, referrals from satisfied clients are an important source of new business.Financial services sales agents sell a wide variety of banking and related services.They contact potential customers to explain their services and to ascertain customers’ banking and other financial needs. In doing so, they discuss services such as loans, deposit accounts, lines of credit, sales or inventory financing, certificates of deposit, cash management, mutual funds, or investment services. They also may solicit businesses to participate in consumer credit card programs. Financial services sales agents who serve all the financial needs of a single affluent individual or a business often are called private bankers or relationship managers.With deregulation of the financial services industry, the distinctions among sales agents are becoming less clear as securities firms, banks,and insurance companies venture further into each other’s products and services. The agents’ jobs also are becoming more important as competition between the firms intensifies. Market Members
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Direct Banking
The direct banking activities are capital their new approach save-to offer great tariffs in the market of values of the high production, certificates of the deposit, and accounts of market of values of the business by all the nation.
Money Market
The money market is a subsection of the fixed income market. We generally think of the term fixed income as being synonymous to bonds. In reality, a bond is just one type of fixed income security. The difference between the money market and the bond market is that the money market specializes in very short-term debt securities (debt that matures in less than one year). Money market investments are also called cash investments because of their short maturities.Money market securities are essentially IOUs issued by governments, financial institutions and large corporations. These instruments are very liquid and considered extraordinarily safe. Because they are extremely conservative, money market securities offer significantly lower returns than most other securities.One of the main differences between the money market and the stock market is that most money market securities trade in very high denominations. This limits access for the individual investor. Furthermore, the money market is a dealer market, which means that firms buy and sell securities in their own accounts, at their own risk. Compare this to the stock market where a broker receives commission to acts as an agent, while the investor takes the risk of holding the stock. Another characteristic of a dealer market is the lack of a central trading floor or exchange. Deals are transacted over the phone or through electronic systems.The easiest way for us to gain access to the money market is with a money market mutual funds, or sometimes through a money market bank account. These accounts and funds pool together the assets of thousands of investors in order to buy the money market securities on their behalf. However,some money market instruments, like Treasury bills, may be purchased directly. Failing that, they can be acquired through other large financial institutions with direct access to these markets.There are several different instruments in the money market, offering different returns and different risks.
A money market is a financial market for short-term borrowing and lending, typically up to thirteen months. This contrasts with the capital market for longer-term funds. In the money markets, banks lend to and borrow from each other, short-term financial instruments such as certificates of deposit (CDs) or enter into agreements such as repurchase agreements (repos). It provides short to medium term liquidity in the global financial system. Money market derivatives include forward rate agreements (FRAS) and short-term interest rate futures. Trading takes place between banks in the "money centers" (New York and London primarily, also Chicago, Frankfurt, Paris, Singapore, Hong Kong, Tokyo, Toronto, Sydney, Mumbai, San Francisco).
The money market is better known as a place for large institutions and government to manage their short-term cash needs. However, individual investors have access to the market through a variety of different securities.
* Services bank  A bank is a business that provides banking services for profit. Traditional banking services include receiving deposits of money, lending money and processing transactions. Some banks (called Banks of Issue) issue banknotes as legal tender. Many banks offer ancillary financial services to make additional profit; for example: selling insurance products, investment products or stock broking. Currently in most jurisdictions the business of banking is regulated and banks require permission to trade. Authorisation to trade is granted by bank regulatory authorities and provide rights to conduct the most fundamental banking services such as accepting deposits and making loans. There are also financial institutions that provide banking services without meeting the legal definition of a bank (see banking institutions). Traditionally, a bank generates profits from transaction fees on financial services and from the interest it charges for lending. In recent history, with historically low interest rates limiting banks' ability to earn money by lending deposited funds, much of a bank's income is provided by overdraft fees and riskier investments. Although the type of services offered by a bank depends upon the type of bank and the country, services provided usually include: Taking deposits from their customers and issuing checking and savings accounts to individuals and businesses Extending loans to individuals and businesses Cashing cheques Facilitating money transactions such as wire transfers and cashiers checks Issuing credit cards, ATM cards, and debit cards Storing valuables, particularly in a safe deposit box Cashing and distributing bank rolls * Bank online
Online banking is a term used for performing transactions, payments etc. over the Internet through a bank, credit union or building society's secure website. This allows customers to do their banking outside of bank hours and from anywhere where Internet access is available. In most cases a web browser is utilized and any normal internet connection is suitable. No special software or hardware is usually needed.
Online banking usually offers such features as:
Bank statements, with the possibility to import data in a personal finance program such as Quicken or Microsoft Money
Electronic bill payment
Funds transfer between a customer's own checking and savings accounts, or to another customer's account
Investment purchase or sale
Loan applications and transactions, such as repayments.
Account aggregation to allow the
customers to monitor all of their accounts in one place whether they are with their main bank or with other institutions.
There is a growing number of banks that operate exclusively online. Because these online banks have low costs compared to traditional banks they can offer high interest rates.
Banks in many European countries (including the Scandinavian countries, the Netherlands, Austria and Belgium) are offering online banking for e-commerce payments directly from customer to merchants. For instance, see ideal * Bank offshore * Actively Managed * Capital Protection * Leverage * Performance Tracking * Yield Enhancement  * Asset Class * Actively Managed * Alternative Investments * Bonds * Commodity * Funds * FX * Index * Interest Rates
Simple interest: Add up all the interest paid/payable in a period. Divide that by the principal at the beginning of the period
Compound interest: In order to solve these three problems, there is a convention that interest rates will be disclosed as if the term is one year and the compounding is yearly. The discussion at compound interest shows how to convert to and from the different measures of interest.
Real interest: This is calculated as (nominal interest rate) - (inflation). It attempts to measure the value of the interest in units of stable purchasing power. See the discussion at real interest rate.
Cumulative interest/return: This calculation is (FV/PV)-1. It ignores the 'per year' convention and assumes compounding at every payment date. It is usually used to compare two long term opportunities. Since the difference in rates gets magnified by time, so the speaker's point is more clearly made. * Multi Markets * Other * Real Estate * Rohstoffindex * Sector * Stock * Region Investments * Africa Investments * America Investments * Asia Investments * Australia Investments * Europe Investments * Global Investments * Product Type * Settlement Currency * Maturity Date * More Search Criteria * Recently Issued * Recently Stopped * Recently Expired * GOLD * Cheap Gold * Sterling Silver * 14k Gold * Gold * Buy GOLD * South African Rand * Gold Bar * Copper Nickel
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