Finance And Refinance .com

Inflation means the currency by excessive issue of currency supply over real goods and services.

This draws an excess demand for commodities leading to higher prices. Raising prices is not simply increasing the amount of money, but the demand which it makes possible.

Monetary inflation is well defined by the equation of exchange Fisher M * V = P * T
where: Broad money-M V-speed movement of the
P-The general level of prices T-volume transactions.

So you can see that if M (money) is greatly increased causing a major imbalance in that equation can not be brought to normal only by increasing of P (the general level of prices). Say this because:-T (the volume of transactions) can not increase more than the maximum we allow production - V (velocity of circulation of money) is not easily changed because they are difficult to change: the tastes, habits and consumer preferences .

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GDP deflator in the economy is a measure of price change for all products produced in the country, products and services. GDP means gross domestic product, the total value of goods and services produced in an economy in a given period.

GDP deflator is based on a “market basket” fix, representing goods and services. Basket size is amended in the light of human consumption and investment patterns. Thus, new patterns of expenditure deflator may arise as a response of humans to change prices.

[edit] Method of calculation

In most systems of national account, the GDP deflator measures the difference between real GDP and nominal GDP.

The formula used to calculate the deflator is nominal GDP/ real GDP

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Bond is a value showing the status of a creditor to its holder by the issuer, the issuer is forcing obligation to pay the holder a fixed annual amount, called the coupon obligation, for the entire period of validity.

Bond is a document issued by a company that needs financing, under which it obtained a loan. The company issuing the bond is called a debtor, and that a lender has is called (it provides a loan). Bonds are financial assets with fixed interest. On loan repayment, the company undertakes to pay, also, interest, fixed obligation at issue.

Bond contains:

* Name of the issuer;
* Coupon or coupon rate (expressed as the percentage share of the nominal value to be paid at certain obligation holder);
* Maturity - the time of expiry of the loan obligation and withdrawal (the date on which it will be bought back by the issuer);
* Nominal value - the amount shown on the title, which gives the holder a form of credit issuer and that will collect at maturity;
* Signature of the person authorized by the issuer;
* Special prints, to prevent counterfeiting (security features).

Bond may be registered if it is entered on behalf of owner, or “bearer”. The holder of a bond is called obligatar. He is a credit to the issuer and the right to receive income called interest, but has no rights and responsibilities on the business issuer (debtor).

Therefore, the bonds are debt securities with certain income and usually fixed. The main issuers of bonds are general government (central and local), and order is being issued to cover the budget deficit, the financing of investment is important for the community.

Most bonds pay interest only until maturity (quarterly or half-yearly depending on the specifications of the issue prospectus) with the last time interest in full and return the amount borrowed. Some bonds pay but at intervals (specified in the prospectus of issue) and the main parties. In general, an investor has lost or gained due to differences in the coupon (interest rate paid by the issuer) and the amount of interest charged on the money market at that time, between that interest and the market price of the obligation exists an inverse relationship.

Although theoretically the flow of cash that it receives the holder of bonds is not influenced by the issuer’s revenues, it is obvious that the limit if they are too low, investors may return the money or delay payments may cease. Therefore the issue prospectus should be read through the guarantees provided issuer (which may vary from one part of the assets to ensure the simple name of the issuer of the asset).

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Market economy is the social division of labor based on private ownership of means of production.

It is a cooperative system in which each individual is included in and to their interest. The state does not intervene in the subject market. In Mises’s view, the virtues of market economy are:

1. is based on private ownership,
2. consumer sovereignty (the essence of capitalism is the economic output of the available consumer)
3. capitalism, through competition to ensure their social stimulus (competition catalactică)
4. freedom sits at the base of building economic and social (the individual is able to choose how it wishes to integrate the whole society, economic freedom includes the freedom to err)
5. make profit and the pursuit of the driving force pushing a perpetual,
6. dynamics and ensure its vitality through an ongoing selection process.

The market does not mean a place, but a process, the manner in which the sale and purchase, through production and consumption, individuals contribute to the overall running of the company “(Ludwig von Mises,” capitalism and its enemies “)

A vision of Mises is opposite that of Karl Marx

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I thought to make a small post on how to get free url advertising, just to help others that are keep asking me these stuff

Free url advertising 1: submit to google

Free url advertising 2: submit to all small search engines. Even google is the best and largest. There are a lot of programs that say for free or for several buck they are going to send your url all over the net. However, there are several considerations:

a. some are not automatic anymore, so your url is not going to be listed. I tryed several options and after a while I saw that I am not listed as they said I would be

b. it’s better to stick to 80-20 rule. Always

c. some of those sites want backwards links. And now it’s not a good idea to have a backward links towards a link directory. It does not help you at all

Free url advertising 3: try 3 way or 4 way link exchange. But beware, try to have your sites on different servers, otherwise google will see them as 2 way link exchange

Free url advertising 4: make a barter with a qualitative site. Post my link there and I will do something for you. Make a banner, ask questions, post something on my blog, give you a tshirt, etc

Free url advertising 5: there are a lot of sites, that offers free samples of CPC or CPM. I know isn’t much, but for begining is perfect. Get some from facebook, from google adwords, etc. And if it’s worth, you can move from free url advertising to paid url advertising

Free url advertising 6: be a troll. Walk all over the internet and post reference towards your site, on different forums

Free url advertising 7. Digg, delicious, stumble upon, facebook, hi5, myspace, squidoo, etc, etc. List yourself wherever you can.

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Today I’ve learned an important business lesson. Whatever you sell, it should be standardised and scalable.

Never sell yourself. You are a limited number of hours/days to live.

Never sell interpretable things. Be like Ford. Only sell what you can replicat with zero marginal costs.  This way you can have a lot of money and financial freedom.

If you start selling personalized item, it’s like you are selling your time. Not very wise. Unless you are selling with incredible high margins.

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Online trainings are picking up speed. e-Learning is one of the most lucrative online business, also for affiliates, together with the sex industry and the travel one.

Online trainings are cheap, easy to follow, most of the times they provide a diploma. That’s why people love to undertake them. There are all types of online courses: english, french, e-marketing courses, psychology trainings, driving online trainings, how to…

In general, online trainings are provided by online website. Several examples: skillsoft.com, brainbench.com, cursuriAZ.ro.

Well, it’s enough to search on google this term to receive millions of resuls. So, good luck

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Conversion rates and ROI are very dependent from the amount of trust that your landing page is generating. So, i decided to make a long list with all the tips and tricks how to generate trust on the internet.

1. the site layout should be proffesional
2. you should have a clear contact section
3. in the contact section you need to put a telephone number, including a landline, a fax, an email, a physical address,
4. It helps to put a picture of the headquarter
5. It helps to be a known brand
6. have the pictures of the managers/ceo on the site. It helps to have several pictures and contact data of several company officials GM, Mk manager, sales manager, etc.
7. have a green line, posted visible
8. the site layout should be consistent with the people’s image on the business line. A banking site should never be black. Or an insurance site.
9. put linkedin accounts, yahoo messenger, aol, icq, irc
10. show testimonials from clients. Text, video, audio. Also, the testimonials should be very crredible, and the people that are credited for testimonials to be wellknown, not from invented sites: John Turturo, whateverbankingsiteonline.com
11. the site should be visual> put pictures in it
12. the google page rank should be higher. Also, the number of indexed pages should be ok, together with the number of incoming links, blogsearch presence. These are for experts. :)
13. the site’s every page should have a clear purpose: buy now, order now, register now, submit now, purchase now
14. offer for free samples of your product
15. organize webinars
16. have a professional email management. send interesting newsletter on the business
17. engage visitors.
18. increase visitors conversion from first time visitors -> repeated visitors ->clients->repeated clients ->brand ambassadors
19. have privacy policy in place on the site
20. put on the site logo’s from well known companies (visa, mastercard, truste, verisign)
21. put auto bookmarking services: digg, delicious, stumbleupon. Let people share the discovery
22. have an account on big social networks: facebook, myspace, youtube. Promote yourself there.
23. have bloggers speak about your product. Offer them for free something it cost usual, in exchange for a small review. Talk with thousands.
24. post on your site scans from your diplomas, certifications, associations you are in, written testimonials from clients
25. answer all your questions FAST
26. have an online messenger, waiting for peoples inquiries. The clients will give you the money if they consider you are safe and trustworthy
27. use friendly spam. Ask happy customers to recommend you to their friends.
28. show visitors (potential clients) that you have many other clients, happy ones and many business connections. Use Easy. Increase your trust points.
29. have some trolling activity on forums, about how great is your company and your products. It will help with seo, direct clicks and awareness.
30. state clear your full name
31. use scanned signature, to backup your promises
32. post videos on your site with you, as the founder, speaking directly to them, the visitors. address their brains directly
33. post on your site best practices. Show what you have done to help other clients. Together with their testimonials are the top weapon to convince
34. appear in tops, where you score best. Hell, why don’t you make your own tops, where you put yourself on first position in direct comparison with your competition
35. “as seen on tv” - can you brag on it? is very powerfull
36. speak at conferences. Post on your site or your blog the proof
37. Be in the jury of various competitions
38. post your short cv online. People who buys from you want to know you.
39. show you are involved in some charity, related to the activity

The list is not completed yet. Fell free to contribute on how to generate trust online. :)

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I think financial focus is a key to success. There are two theories: risk dispersion or focus.

One smart guy once said that financial focus is his own risk dispersion :) I believe was the Orbit guy.
People usualy do not have financial education. And they consider that business is very diferent from finance.

To have financial focus you need clear mind. You need to keep the eyes on teh ball constantly. You need to say strong “Show me the money”.

How to achieve financial focus:
- read books
- make plans (and stick to it)
- track every day the status

Have a X as logo :) That means financial focus. :)

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yesterday, google reloaded it’s page ranks. It’s very interesting to see how in one day, google recalculate all incomming links and based on them the page rank.

Last PR change was about one month ago. I am curious if the next one will be end june, as they said that are looking to change the algorithm.

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