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Wednesday, May 4, 2011

Making a Personal Budget Planner: Free Spreadsheet Inside

For those who look for practical financial planning, a budget planner is definitely an essential tool. To recognize the balance between your revenue and expenses, to remove areas of wastage, to evaluate the need to raise loans and to plan in advance, you should get into the practice of budgeting early.

Stages in Personal Financial Budgeting

Tuesday, May 3, 2011

Personal Finance Budget: Free Template

As per Investopedia, a financial budget is “An estimation of the revenue and expenses over a specified future period of time.” They are often helpful for an individual or entity which is involved in monetary transactions. From a student to the Government, everyone can benefit by building a blueprint of their incomings and outgoings.

What is a personal Budget?

Friday, April 29, 2011

9 Ways To Invest In Silver

Throughout the history, silver has closely followed gold in terms of popularity. It has never lost its sheen even after its discontinuance as a currency standard across various nations. Times of economic uncertainty and rising demand have been the key drivers of its price, more in present times than ever before. Once again the advantages of silver investing outweigh its disadvantages. If you look at silver as a safe investment, you have several options to consider:


Why Invest in Silver?

Similar to gold, silver is a precious metal that finds great use as a safe investment to hedge against inflation and economic turmoil. Silver is often known as the poor man's gold. You can invest in bullion coins just like gold and in multiple other ways. Know that you have found a winner in silver. But before you plunge in, take a few minutes to evaluate the advantages and disadvantages of silver investing:

Also Read:
A quick look at why gold is a great investment!

Sunday, April 24, 2011

Guarding Against Credit Card Fraud

Even though credit cards offer extraordinary advantages for the buyers, making it possible to ‘buy now and pay later,’ they might not come without any downsides. The same quality of simplicity that they provide, also tends to expose them to various kinds of frauds and high volume scams. Knowing the challenges facing your credit card is the initial step in the direction of safe-guarding yourself from a financial complication. A few basic checks can furthermore ensure that your credit card account is safe and sound.

Wednesday, March 16, 2011

The Earthquake In Japan Brings A Tsunami Of Troubles

On March 11, 2011, Japan was torn in, what may be termed as one of the worst earthquakes of all times. The following 10-meter high tsunami flattened the entire Pacific cost of the country, sweeping away ships, vehicles, people, and homes alike. Though the early warning systems did prevent some loss of life, the death toll has already crossed 10,000, thousands are still missing, and millions have lost their homes. The earthquake, measuring 8.9 on the Richter scale, has shifted the landmass by almost 8 feet and is believed to have affected the earth’s axis. Read about the likely financial impact here.

Monday, February 28, 2011

Indian Union Budget 2011: Tax Provisions


Union Budget 2011 was being approached by much curiosity and anxiety. FM Pranab Mukherjee presented the Budget for FY 2011-12 in the Parliament earlier today. As the provisions were rolled out, the Bill turned out to be a mixed bag. The FM had a tough task of balancing the conflicting goals of lower taxation, lower inflation, growth impetus, and budget deficit. Some of the major changes were proposed in the fiscal provisions, as highlighted below.

Arab Spring in Libya: Crisis for the World Economy

Though the world might not have watched the events in Tunisia or Egypt with much interest, Libya is certainly an eye-opener. The political situation in Libya could be one of the first signs of an impending economic crisis of global proportions.

The Potential Fuel Crisis

U.S. Economy 2010 Update

After going over a topsy-turvy path the U.S. economy seems to be stabilizing. Since early last year, the numbers had been discouraging that lead to the downgrade of growth expectations. However, the last quarter 2010 results have registered an impressive comeback, beating all previous forecasts and promising a concrete path to success. On the other hand, there are serious issues to be dealt with before U.S. truly rejoices.

Libya May Push Oil Beyond Record Levels

The pro-democracy revolution in Egypt had only a limited impact on the markets, given its tiny role as an oil exporter. From the transport point of view as well, Suez Canal has allowed the traffic (>5% of total traffic) so far. However, the case of Libya is different – it the first time since the revolt broke out in Tunisia that the impact of sagging oil supply is being felt.

Wednesday, February 23, 2011

What Does the Egypt Crisis Mean to the World Economy?

The anti-Mubarak stir in Egypt has proved to be more potential that previously imagined. With Mubarak finally reeling under the pressure to step down after a prolonged state of denial and no definite Government system yet in place, the fate of Egypt has become somewhat more precarious than before. At the heart of the protests was the rampant corruption under the 30-year old Hosni Mubarak regime, which pushed the nation back in terms of economic prosperity.

Where does Egypt stand?


Thursday, February 3, 2011

Bonds: The Types of Yield

In layperson terms, bonds are investments with fixed rate of return, unlike equity shares. This explains why bonds are often referred to as ‘fixed-income securities.’ The return on investment, in this parlance, is known as ‘yield.’ In the real terms, though the token rate of interest payable on bonds is fixed, the yield tends to change with a number of factors, such as change in prevailing interest rates in the economy and inflation. Let us look at what are the three types of bond yields and what they signify.

Saturday, January 29, 2011

How to Calculate Quick Ratio

Liquidity ratios are used to measure an entity’s ability to fulfill its financial obligations in the short-term, i.e. they are measures of a firm’s liquidity. In layman terms, this translates into ready cash or instruments that can realize cash readily. Short-term here refers to a period of 12 months or less. Two of the most important liquidity ratios are the Current Ratio and the Quick Ratio. The latter, by definition, is a more stringent measure of liquidity as it omits outs any element out of the current assets and current liabilities with the slightest of illiquidity. Like Current Ratio, Quick Ratio is also a Balance Sheet analysis tool.

Wednesday, January 26, 2011

GDP Explained: The Expenditure Approach

You must have come across the term GDP growth as a barometer for economic growth of a nation. In layman terms, the higher this rate, the better the economy is believed to be performing and vice-versa. But, what is GDP? Gross Domestic Product, or GDP, is defined as all final goods and services produced in an economy in a year, measured at market prices. Here, it is significant to note that this is a country-level measure and only the production within a nation’s political boundaries is taken into account.



As per the Expenditure Approach, GDP can be summed up in the form of a formula as:

Stock Summary: Nanometrics Inc

U.S. based manufacturer of advanced process control metrology systems, Nanometrics Inc. (NASDAQ: NANO) is among those small stocks that generate much investor interest. On January 14, 2010, NANO made an impressive rally, gaining almost 30% to reach $17.96, by the end of day’s trading. Volumes also moved to over 5 million.

Monday, January 3, 2011

Liquidity Ratios and Bank Overdrafts


Liquidity ratios are used to measure an entity’s ability to fulfill its financial obligations in the short-term, i.e. they are measures of a firm’s liquidity. Short-term here refers to a period of 12 months or less. Two of the most important liquidity ratios are the Current Ratio and the Quick Ratio. The formula for Current Ratio, or Working Capital Ratio, is:

Current Ratio = Current Assets/Current Liabilities

Saturday, January 1, 2011

Spain’s Austerity Measures

There was a time when Spain was the fifth largest economy in the European region, growing on the back of its enormous real estate sector. At that time, about 16% of Spain's GDP came from its construction activities. The profit margins were very promising and attracted a lot of activity, which over time became over activity, particularly in the housing sector. This built up an excess inventory of nearly 30%! Approximating to the timing of the U.S. subprime crisis, as the Spanish real estate bubble went bust the common masses began taking the hit. The burgeoning sovereign debt shook the financial foundation of the State, threatening its solvency. As the Government went into the damage control mode, some of the toughest measures, that further impacted the already suffering masses, followed.