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Friday, January 25, 2013
The Most Perfect Lego Recreation of the Original Macintosh Humanly Possible
FINANCIAL RISK MANAGEMENT IN TREASURY: PART IV - SunGard
Effectiveness of Risk Management Strategies and Challenges Ahead?
In Part I of my Financial Risk Management in Treasury blog series, I discussed mitigating, identifying and defining financial risk.? In Part II, I described various types of risk. In Part III, I reviewed risk measurement methods. In Part IV, I will detail the effectiveness of treasury risk management strategies and the challenges that lie ahead for many financial professionals.?
Overall, only 6.3 percent of respondents in a recent SunGard AvantGard study* felt their risk management systems were below average. While the study turned up some indications that there may be room for improvement, the overall sense among treasurers was that their systems were satisfactory. When asked specifically how they felt regarding the reliability of their cash forecast as a support basis for either foreign exchange hedging or investment, most treasurers indicated some degree of reliability.
Measuring the effectiveness of hedging strategies is a required compliance practice under global accounting standards. Several measurements can be used to determine the level of effectiveness of hedging. When asked how they monitor the effectiveness of hedging programs, 38.1 percent of corporate treasurers identified the dollar-offset method as most frequently used. The critical terms match was almost as often employed, with 37.4 percent of respondents utilizing this method. The regression method was used least regularly, but still utilized by 24.5 percent of financial professionals. In the write-in response area, some respondents indicated either that they do not hedge or that their business was naturally hedged.
Given the concern made obvious in the study regarding market risk, it is not surprising that treasurers identified market volatility their greatest worry in the coming two years, followed by Eurozone defaults, counterparty risk, commodity prices, and the Dodd-Frank Act.
Looking back across the four-part series, I?ll summarize the Risk Management study by stating accurate risk measurement enables effective risk management. Companies are increasingly aware of the need to measure risk and monitor areas of exposure and are taking steps to ensure the security and integrity of risk reporting tools. Going forward, technology issues may surface. The use of spreadsheets in risk management actually exposes a company to operational risk, from simple keystroke errors to accidental circular references that can invalidate an entire workbook, spreadsheet risk is practically unavoidable.
Technology issues related to implementing manual processes without the benefit of a real-time view may also surface. Having a real-time view enables better liquidity management. Without real-time access to accounts and view of markets, companies are lacking a key element to risk management.
With the growing acceptance of cloud-based TMS (treasury management system) technology, more companies are choosing to reduce their technical involvement in operating a TMS by essentially outsourcing the infrastructure requirements. This enables quicker upgrades and updates if and when regulatory changes occur.
The key for corporate treasurers is to understand the importance of identifying and managing risk?and the widespread effects mismanagement can have on the company. Investments in technology are an ongoing concern and should be carried out thoroughly and effectively.
[* SunGard AvantGard recently conducted a study of 222 treasury professionals in the second quarter of 2012 to better understand how corporations are addressing various aspects of financial risk. The study included respondents from around the world spanning a broad range of industry and revenue classifications, with over 62 percent of respondents from companies with more than $1 billion in revenue. ]
What are your future challenges in financial risk management?? I?d like to hear from you.
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Thursday, January 24, 2013
Video: Obama to Sign Off on Keystone XL Pipeline?
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Source: http://video.msnbc.msn.com/cnbc/50568047/
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Video: House to vote on raising debt ceiling
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Source: http://video.today.msnbc.msn.com/today/50559272/
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Facebook ? a New Destination for Social Commerce Site ...
When you hear the word Facebook, what are the instant things that come to your mind? Well, it has to be ?how many Likes?, ?how many friend requests?, ? the comments on your photos and ?what are the new updates in the home page?. Indeed this social media site is taking the entire world by storm. But besides being the popular platform for social gathering, it is amazing to know how Facebook handles its relationship with the online commercial marketers. Especially the eCommerce businesses are clambering to jump on this enormous opportunity for social commerce. So for all the online retailers, it is not too late to get in on action if you are still planning to promote your eCommerce site.
If you are looking for a place to promote your band, Facebook is the right spot for you. With over 500 million active users, it is becoming the ideal platform to monitor how successful you are at engaging your followers and promoting your products and services. Have you ever noticed how a big brand makes their presence felt among the followers on Facebook? If not, then hurry up. Well there are different creative ways to market your product to the ever-increasing audiences.
The integration of Facebook with your eCommerce site:
The foremost important thing which you haven?t done is to create a Facebook Fan Page for your eCommerce site. Wait! Do not mistake this page as the profile page. Facebook Fan Pages do not limit the amount of fans who are interested to join your page unlike the profile page. Don?t you think it is perfect for your business to get noticed on this social media site? Well, of course it is perfect.It takes just a few seconds to click a tab in order to sign up on the home page and follow the user?s review products.
Fan pages can be used in several ways for your Facebook marketing campaign. This page comprises all the information about your brand and your products. It is important to know the demographics of the mainstream users and speak to them in their own languages. Most importantly, make your page interactive by promoting contests or by offering coupons.
Facebook and eCommerce integration is power-driven by the fans and letting them interact with your page immensely help you to build your brand
The Facebook and the eCommerce integration incorporate different aspects of your website on the Facebook to highlight your brand in different tabs on the fan page. The fan page contains various contents. So are you wondering how will make use of the different tabs? It's simple? all you need to do is
Make a wall tab ? this area of the page will allow your fan to leave their comments and share their thoughts about your products. You can also change the settings in order to control what your fans can post
Make an info tab- this part of the page displays the important information about your products. It is similar to the ?about page? of your website.
Make a photo tab- in this area of the page you can upload unlimited amount of photos for your fans.
Make a tab for videos- this page will allow you to upload videos of your products.
Make a note tab- you can share the latest news on your business in this particular area of the page.
Make an event and review tab- this section of the page is important to promote any upcoming products or events or even to highlight special promotions. Following such events, your fans can accordingly rate your product and services.
Now the challenge is to drive the traffic that you acquire to your Facebook Fan page and convert those people into a group of interested fans. How will you achieve this? It is merely through advertisement. Advertisement can be done in the form of banner ads that are displayed on the profile page. It can also be added to the user feed pages based on the demographics that you want to target. Keeping in mind, that Facebook is the first and the foremost place where the majority of the population stay in touch and socialise online, therefore your aim should be primarily to build trust and provide something valuable to your new followers. If you manage to grab the attention of the Facebook users then the sale of your products happens automatically on its own.
Facebook is more about relationship building and less about direct sell.
The four most popular eCommerce apps for Facebook represent different approaches to trade on Facebook. Take a look at it.
- Pavyment is a downloadable app that permits you to transact within your prevailing Facebook presence.
- Storefront social is a catalogue application that helps in systematizing your products, yet links back to your prevailing online store.
- BigCommerce is a cohesive eCommerce platform that comprises extensions to involve Facebook commerce.
- 8th Bridge is a custom-made development environment for Facebook commerce.
Are you aware of the recent Facebook development? It is the launch of ?Open Graph? that allow a retailer to interact with the Facebook audiences in a much better way. ?Open Graphs? is a powerful transmission tool to interact and receive information into Facebook from a third party website. The extension of the ?Open Graph? has created a school of app development where in it allows the users to share their opinions and new updates instead of allowing a company to post information that may appear as updates.
Example:
Let me put it like this, say a Facebook operator admires and appreciates a long gown from a fashion website.? Instead of simply ?Liking it? she can express her opinion as she ?Wants?, she ?Loves? or simply she ?Owns it?. With the help of a third party app, this information gets easily transmitted into her friend?s News Feed.
As stated by the Payvment CEO, Christian Taylor ?Facebook has a huge opportunity to monetize eCommerce. They have the infrastructure and team to pursue that?
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S&P 500 is knocking on the 1,500 barrier
47 min.
The S&P 500 extended its winning streak to six days on Wednesday after stronger-than-expected profits from IBM and Google alleviated investor concerns about the technology sector.?
IBM's and Google's earnings, released after Tuesday's close, followed on the heels of stronger U.S. economic data, which have pushed the Dow and S&P 500 to five-year highs.?
The S&P sits just 4.7 percent from its all-time closing high of 1,565.15 and the Dow would hit a record close if it gained 2.8 percent.?
"People were kind of nervous about earnings coming into this quarter but numbers have shown so far strength in earnings," said King Lip, chief investment officer at Baker Avenue Asset Management in San Francisco, citing Google and IBM as examples.?
"Technical analysts are looking at this and saying ?the trend is your friend, it's time to be long.'"?
Shares in IBM Corp , the world's largest technology services company, climbed 4.4 percent to $204.72, in their largest advance in a year, providing just about all of the Dow's 67-point gain.?
Also helping the tech sector was a 5.5 percent jump in Google Inc to $741.50. The Internet search company reported its core business outpaced expectations and revenue was higher than expected.?
The S&P technology sector rose 1.2 percent.?
LED maker Cree Inc jumped 22 percent to $40.85 after it forecast a higher-than-expected third-quarter profit, and reported results above analysts' estimates.?
Upscale leather goods maker Coach Inc plunged 16.4 percent to $50.75 after reporting sales that missed expectations.?
Clearing a market hurdle, the U.S. House of Representatives passed a Republican-led plan to extend the country's borrowing authority until mid May. This delays a confrontation in Congress similar to one in 2011, which generated a stalemate that triggered the first-ever U.S. debt rating downgrade.?
The Dow Jones industrial average rose 66.96 points or 0.49 percent, to 13,779.17, the S&P 500 gained 2.22 points or 0.15 percent, to 1,494.78, and the Nasdaq Composite added 10.49 points or 0.33 percent, to 3,153.67.?
The benchmark S&P 500 is a mere 0.35 percent away from hitting 1,500, a level not seen since December 12, 2007.?
Thomson Reuters data through Wednesday showed that of the 99 S&P 500 companies that have reported earnings so far, 67.7 percent have topped expectations, above the 65 percent average beat over the past four quarters.?
Overall, S&P 500 fourth-quarter earnings rose 2.8 percent, according to Thomson Reuters data. That estimate is above the 1.9 percent forecast at the start of earnings season.?
Netflix shares soared 25 percent near $130 after reporting fourth-quarter earnings after the closing bell.?
McDonald's edged up 0.6 percent to $93.48 after reporting a rise in fourth-quarter earnings, lifted by an increase in same-store sales. Fellow Dow component United Technology Corp's earnings fell from the prior year, hurt by large restructuring charges. Its shares rose 0.7 percent to $88.07.?
Top U.S. manufacturers sounded a confident note about their expectations for 2013 on Wednesday as fears of the year-end "fiscal cliff" faded into memory.?
About 6 billion shares changed hands on the New York Stock Exchange, the Nasdaq and NYSE MKT, below the 2012 daily average of about 6.45 billion shares.?
On the NYSE, roughly 15 issues fell for every 14 that rose and on Nasdaq seven declined for every five gainers.?
Copyright 2013 Thomson Reuters.
Source: http://www.nbcnews.com/business/sp-500-knocking-1-500-barrier-1C8087397
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Racy Victorian divorces online at genealogy website
LONDON (Reuters) - The original Mrs Robinson's diary and scandalous suggestions about a former heir to the British throne are all part of the latest ancestral revelations to go online.
British genealogical website Ancestry.co.uk said on Tuesday it has put the transcripts of thousands of Victorian divorce proceedings online, which reveal the racy details of an era that most modern Britons consider to have been dominated by imperial duty, a stiff upper lip and formal familial relations.
The UK Civil Divorce Records, 1858-1911 date from the year when the Matrimonial Causes Act removed the jurisdiction of divorce from the church and made it a civil matter.
Before this, a full divorce required intervention by Parliament, which had only granted around 300 since 1668. The records also include civil court records on separation, custody battles, legitimacy claims and nullification of marriages, according to the website.
Primarily due to their high cost, divorces were relatively rare in the 19th century, with around 1,200 applications made a year, compared to approximately 120,000 each year today, and not all requests were successful due to the strength of evidence required.
The rarity of such cases, combined with the fact that it was wealthy, often well-known nobility involved, made the divorce proceedings huge public scandals, played out in the press as real life soap operas.
Famously high-profile divorces included that of Henry and Isabella Robinson, the inspiration for the novel "Mrs Robinson's Disgrace", by Kate Summerscale.
Henry Robinson sued for divorce after reading his wife Isabella's diary, which included in-depth details of her affair with a younger married man.
The diary was used as court evidence and when reported by the media became a huge scandal, partly because of the language used within the journal. Isabella, however, claimed the diary was a work of fiction, which led to her victory in court.
Conservative MP and baronet, Charles Mordaunt, filed for divorce in 1869 from his wife Harriet who stood accused of adultery with multiple men.
The case became national news when the Prince of Wales was rumored to be among the men who had had an affair with her. This rumor was never proven and Lady Mordaunt was eventually declared mad and spent the rest of her life in an asylum.
"At the time, such tales often developed into national news stories, but now they're more likely to tell us something about the double standards of the Victorian divorce system or help us learn more about the lives of our sometimes naughty ancestors," Ancestry.co.uk UK Content Manager Miriam Silverman said in a statement on Tuesday.
When the divorce laws first came into effect, men could divorce for adultery alone, while women had to supplement evidence of cheating with solid proof of mistreatment, such as battery or desertion.
Despite this double standard, roughly half of the records are accounts of proceedings initiated by the wife. Many of the nullifications of marriages fall into this category, with failure to consummate the nuptials a common reason.
One such example in the records shows a Frances Smith filing for divorce in 1893 under such grounds.
In the court ledgers it is noted that the marriage was never consummated, with the husband incapable "by reason of the frigidity and impotency or other defect of the parts of generation" and "such incapacity is incurable by art or skill" following inspection.
(Reporting by Paul Casciato; editing by Patricia Reaney)
Source: http://news.yahoo.com/racy-victorian-divorces-online-genealogy-website-194114050.html
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