Financial Economic Check Ups

The Focus Of Bank, Personal and Financial Economic Check Ups

Finance economics looks at the allocation of capital, labor, and material over time. We live in in an uncertain environment. It examines how money is traded now to create money in the future. It tries to gauge the amount of money transferred into the future, based on uncertainty and risk. It looks at how one party of the transaction can make a decision to affect the future outcome of the money transfer. Last, but not least, it examines how certain knowledge of the future can reduce uncertainty. Their safety ratings and bank checks seemed reasonable, so they led us to believe.

One could also argue the government is taking the necessary steps to get the economy back on track, according to numerous theories of macro economics. However, the blinders were on for many of the nation’s most respected economists and it’s going to take some progressive solutions to bring redemption to this tarnished profession.

Financial economics focus on the fair values of assets, how much risk is in the asset, which discount rates should be applied, what cash flows will come from a transaction and which events cash flow or assets are dependent upon. Therefore, it has a combative role with behavioral economic theory. Stocks, bonds, commodities, derivatives, money market, financial institutions, regulations; these are all the language of bank and finance economics.

Behavioral economists, on the other hand, take a more psychological approach to finance. They examine how economic decisions by borrowers, consumers and financial institutions affect market prices, returns, allocation of resources and values. Bubbles, market trends, crashes, socioeconomic and market trends, prospect theory; this is some of the terminology used in that discipline, which tends to consider more microeconomics theories. However, on the personal economic front, catching a break from high prices is attention getting. Purchasing cheap checks online are a practical way to benefit from online sources that have found a more efficient way to market their product. Saving 50% off what financial institutions would charge, cheap personal checks online is a direct add on to anyone’s bottom line.

Finance economics experts have a lot of work to do. Bubbles in the market are often the result of government influence on banks in that they impose artificial constraints on lending practices, they must figure out how to manage those contingencies and limit the scope of the damage. They must learn how liquid markets can suddenly dry up and determine which policies or actions could keep cash flowing freely and purchasing power strong.

A purer form of capitalism would solve most problems, but the socialist agendas prevent such implementation. They must look at how special interest government regulation (or lack thereof) played a part in the current crisis and make intelligent recommendations for the future. They need to find new models for calculating systemic risk and help bank institutions look at the cause and effect picture in management economics to make more informed decisions.

Financial Economic Crisis

Financial Economic Crisis – Turning Points

Did you know there are many ways of beating this financial economic crisis? Yes thats right, you can take control of this crisis by creating different ways to earn your money. There is a little catch to making things work toward your advantage. Do you remember the old saying “it takes money to make money.” That saying is true, especially in today’s economy.

Let’s say that you always wanted to know how to build websites for people but you didn’t know where to begin. You don’t have to go to school to get that degree in building websites. Although it is a good idea, but that costs more than what you want to spend, so here’s a suggestion. After getting your first check, you will need to go to Barnes & Noble bookstores and check out their line of program language books. You also want to get some books on program language editor books because there are some languages that require you to have special editors. If you don’t, you won’t be able to use those certain program languages. You will also want to get books that usually are simple teaching editorials, such as the Sam’s teach yourself book line. Now some of these books will even come with some of these language programs in the books. Some of them even supply you with some of the server languages. For example you have the php editor, then you have Mysql with Cpanel, and then you also have Apache server software.

Such as: PHP uses an editor called zend studio, oh one more thing, you will want to try to get the newest version of the language possible because for example if you try to use php4, that version is no longer supported by PHP or zend, the latest version of PHP is php5_5_10.

There are many different styles of languages, as mentioned above there is the php language, then you have html, shtml, dhtml, xhtml, xml, colbalt (almost non-existent anymore), Javascript, Java, etc.

Then you have server languages such as Joomla, Ubuntu, Ajax, Magneto, Apache, etc.

As stated, you don’t have to go to college to be able to build those websites that the professionals are building, just go to a local bookstore and buy some of the easier to learn books and start teaching yourself how to build websites, there are even online tutorials that can help you in getting started. Just go into www.Google.com and do a specified search of “learning how to build websites” and you should come up with the search results like I have here: “349,000,000 for “learning how to build websites” (0.30 seconds).

Once you get the mentioned materials, go home and get started with your reading and practicing. It may be frustrating at first, but as they say: practice makes perfect. The more you practice the more perfect you become. I know I had to practice a lot and now I can build websites with the best of them. I started to go to college but they don’t teach what I am wanting to learn. And so I am always teaching myself a new language all the time.

Financial Crises

Financial Crises – The Federal Reserve System’s Tracks

Let’s pose some interesting questions about the federal government’s semi-agency– The Federal Reserve System and its relationship to financial crises and economic depressions.

The silly, evil and destructive games super rich people play. Arrogance will come to a fall.

At the beginning of the 20th century there were several secret meetings between top figures and officials of several powerful international banks and federal government discussing and planning the establishment of a federal serve system that would implement an entirely new system of currency (debt currency) and an accompanying ability of this Federal Reserve System to control and guide the national economy.

The Federal Reserve Act was enacted in 1913 together with the infamous Federal Personal Income Tax act and the 16th Amendment to the Constitution. These three traitorous legal acts, together with later-instituted Congressional enactments, work hand in hand to give the Federal Reserve System (and thus the international bankers) the power to control the creation and issuance of currency in the US and control of the amount of currency available in the United States through prime rate interest charged on borrowed funds from the Federal Reserve System and through the rate of corporate and personal income tax charged and collected by the IRS (a full-fledged agency of the Federal Reserve System) with the support of the devilishly shrewdly worded16th Amendment (an amendment ratified by bribed state legislators fed drunk by federal government’s and banker’s agents during ratification meetings). The corporate and personal income tax gave the Federal Reserve System and the federal government control over the activities that would be encouraged and the activities that would be discouraged or made to collapse altogether through subsidized or penalized tax treatment of individuals and businesses, or worse, the uprooting altogether of facilities that manufactured liquor as was done through the enactment of the Amendment of Prohibition. Most Americans could care less about Prohibition but state governments betrayed the people by ratifying that anti-American piece of legislation through bribes received from federal government and the banking system.

To give the IRS even more power, a new power of control was assigned to it by the establishment of the BATF (Bureau of Alcohol, Tobacco and Fire-arms). To establish the might and power of this agency a new amendment was created to the Constitution–the Prohibition. All these acts and legal maneuverings were done in conspiracy against the citizens of the states of the United States. We can see here the collaboration of international bankers, legislators of US Congress, and of the state legislatures to bind the people into the chains of slavery and serfdom through financial control of corporate and private activities by issuing a debt-based system of currency. The people on the street were never suspicious of this new currency because it looked exactly like the coins and bills they were used to before its execution.

The Prohibition had really nothing to do with preventing people from consuming liquor, but to give the IRS, and thus the BATF as an integral part of it, exposure as a powerful federal agency operating in state `territory, that had the necessary teeth to control and frighten the people. The IRS agency does not work outright for government but for the Federal Reserve System which, of course, is under the total control of the international bankers’ consortium, also called the IMF.

The Federal Reserve System can only issue currency upon the requests by corporate entities for loans to start, maintain, expand, and merge incorporated entities and also by requests for loans by private individuals for their private purposes. If there are no requests for loans there simply will not be any money in circulation; so in fact the people were forced to go into debt in order to have currency for private transactions. This is anti-American principle. Government and its co-conspirators cannot force free people. Yes they can; because they did it; and are still doing it. Therefore liberty in America was already dead in the USA in 1913 and the Constitution was even then of no effect whatever.

Through these combined legal maneuvers, together with the much earlier legal acts of incorporation of federal and state businesses the several state legislatures and Congress, changed the entire structure of liberty and social conduct. I would say as a guess that about 80% of currency is issued through requests for loans from artificial corporate entities, and the remainder is used for purposes of private citizens, such as loans for cars, purchases of lands, housing, and purchases by credit cards, etc. Artificial entities fully under the control and supervision of government are more favored over individual citizens. The establishment of the Federal Reserve System was a ve

Financial Planning

Financial Planning to Combat the Current Financial Crisis

The final quarter of the last year witnessed a universal global meltdown, from which world economies are yet to recover fully. The crisis is indeed grave, as highlighted by the performance of the economy of the United States. In fact, during the third quarter of 2008, the financial markets of the US experienced a negative growth, a feature indicative of the acute financial economic crisis affecting the finance fields. Experts are of the opinion that the current financial situation is one of the worst to hit the world economy since the Great Depression of the 1930s. In the rather bleak current scenario, proper financial planning is extremely important to tide over the economic crises effectively.

This kind of situation is invariably marked by an increase in the debt burden of individuals. Consequently, the number of creditors of a person also goes up. A short-term, quick-fix solution might be the sale of most existing assets held by a person. The sale proceeds can then be used to pay off the dues of his/her creditors. However, this is not the ideal way to combat a scenario like this. Instead of panicking, a person needs to alter his financial aims and targets according to the situation. In case (s)he has already hired the services of an expert planner, the latter too can help him/her take such decisions that would suit the need of the hour.

During a period of crisis (like the current one), individuals need to adopt a more conservative and cautious approach than usual. The target rates of return from financial investments as well as one’s overall financial goals have to be scaled down according to the situation. Risky investment ventures should not be taken up, and too much money should not be spent on buying up additional assets at these times. Individuals also need to be aware of the legal aspects of his/her financial actions. Equifax, one of the three major credit bureaus of America, recommends that investors should seek help and advice from the Consumer Credit Counseling Service (CCCS). If a person is able to take prudent and informed investment decisions that are not too aggressive in nature, (s)he can continue to earn a steady flow of income, even during a period of financial crisis.

Finance and strategy-making assumes crucial importance at a time of financial economic crisis. Such plans keep in consideration the exact requirements of investors, and are dynamic enough to help people change their finance-related actions according to the overall financial scenario. With the help of proper planning, and the adoption of toned-down financial actions (with revised investment targets), individuals can indeed effectively combat the current financial crisis situation.

Economics Is Social Science

Essence of Trading: Modern Financial Economics Is Just Alchemy In Disguise

Economics Is Social Science

Many people confuse economics as a science like physics or medical science. Economics is part of social science. It is not the kind of science that can produce precise projection or accurate forecast. In this sense, most of the theories you have come to hear about in economics have no practical value in trading. If cars are made by economists with their economic theories, the cars will explode and burn the moment you drive them, even though the car never moved.

Financial Economics takes the nonsense one step further. As all human with any common sense know, the price of anything that is determined through market mechanism is controlled by the buyers and sellers. They can do whatever they want but their actions are mainly goal driven. The goal for any normal participant in a market is to make money. Yet economists assume price movement in our markets to be random without even checking if reality matches their assumption at all. When the most fundamental component in the study of financial economics, price movement, is not even properly examined at all, how can anyone believe it has any practical value?

Economics Is Alchemy In Its Present Form

With this understanding, it is no surprise that predictions and projections generated under the labels of the above disciplines are always contradictory among its practitioners. There is almost always no agreement among economists where the stock markets is heading. Financial analysts almost always giving completely diverged opinions where a stock is heading. And worst of all, these supposed leaders in the field of economics all failed to tell that the 2008 financial crisis was going to happen.

One has to realize that economics, in its present form, is no different from alchemy. Many of these so call economists or analysts are just very bad alchemists. They do not really know what they are doing. They just guess, imagine, and b#llsh*t to make their livings. All kinds of theories with all sort of bizarre analysis techniques are invented by these guys – from collecting economic data, studying corporate financial statements, to analyzing historical prices. These techniques, often borrowed from other scientific disciplines, are created to see if they can explain what happens in a market or economy as a whole. Due to the origin of these techniques, these analysis look so complicated that people assume they are legit. No, they are not because these fancy things cannot produce consistent results that match what happen in the real world.

Outside of the academia, there are very good analysis techniques developed over the years by people whom are affected most by the markets – the participants like traders and market makers. These techniques focuses on what matters most – where price is likely going. An interesting fact about these techniques is that they are practical. Their work (or trading methods) do not have fancy theories behind so there is no glamour nor talking point in parties. What these trading methods offer are consistent trading results that enable these participants to stay profitable in the markets year after year.

During Medieval Times, those alchemists who figured out how to determine the metal content in the ores, or those who figured out how to extract metals from the ores, would keep the techniques to themselves so that they could serve the powerful warlords. They might not fully understand what they were doing (and in our eyes they might actually get the concepts completely messed up). But the most important thing was that these individuals had developed repeatable processes and methods which produced consistent results.

See the parallel there?

Alchemy Is Not All Bad

For western alchemy, most of it was eventually purged and disappeared. Some part of alchemy that works becomes the foundation of modern chemistry. Process like distillation was invented by alchemists. Those bad alchemists who did voodoo things and boost magic theories are now condemned forever in history. Those alchemists who did actual investigative work with scientific (or practical) mindset leaving us with useful knowledge are praised as pioneers in modern science.

The good sign is that we are seeing improvements in the study of economics in recent years. Academics finally succumb to their failures as they are ridiculed by not just the more successful market participants but also the public in general how stupid and useless they are. The younger generations of economists have started questioning the foundation of the accepted theories in economics. New branches like behaviour economics tackle the concepts of economics from a different angle and has been showing a lot of promises.

Economic Theories And Trading Don’t Mix

Understanding the limitation of economic theories in its present form tells you how dangerous it is to shape your trading ideas from these concepts. I know it is