The incremental cost of borrowing more money to fund additional asset purchases or investments.
In its simplest calculation, the marginal cost of funds is simply the interest rate on the new loan balance.
Marginal cost of funds is often confused with the average cost of funds, which would be calculated by computing a weighted-average of all the combined loans' interest rates.
Introduction to Exchange Rate Mechanism: Spot- Forward Rate, Exchange Arithmetic. -- Deriving the Actual Exchange Rate: Forwards, Swaps, Futures and Options. Guarantees in Trade: Performance, Bid Bond etc.
The incremental cost of borrowing more money to fund additional asset purchases or investments.
In its simplest calculation, the marginal cost of funds is simply the interest rate on the new loan balance.
Marginal cost of funds is often confused with the average cost of funds, which would be calculated by computing a weighted-average of all the combined loans' interest rates.
Introduction to Exchange Rate Mechanism: Spot- Forward Rate, Exchange Arithmetic. -- Deriving the Actual Exchange Rate: Forwards, Swaps, Futures and Options. Guarantees in Trade: Performance, Bid Bond etc.
Money, Medium of Exchange, Unit of Account, Deferred Payment, Types of Money, Commodity Money, Full-bodied Money, Paper Money, Fiat Money, Fiat Money: token coins, Check-able Deposits, Physical Properties of Money,
Money, Medium of Exchange, Unit of Account, Deferred Payment, Types of Money, Commodity Money, Full-bodied Money, Paper Money, Fiat Money, Fiat Money: token coins, Check-able Deposits, Physical Properties of Money,
Financial planning is the process of allocating financial resources to maximize the profitablity and wealth of the company. Financial planning depends on 3 questions What is company's current financial position?
Where does company wants to go?
How does the company get to its ending point/goal?
Kinds of money, functions of money, Supply of money along with inflation. Banking with commercial functions of banking , Central Bank and its functions have been presented in the slides.
Creative thinking is a skill that can be developed and improved. Creativity is not just for artists and musicians.
Commercial enterprises need to create new products and services that have value for customers. Innovation and invention require novel ideas. Businesses need to solve problems and overcome obstacles. All solutions to problems start as ideas. These are all creative endeavors.
Starting, Growing, and Running a BusinessJohn Cousins
Entrepreneurship Is the pursuit of opportunities with disregard for assets currently controlled. There a many different skill sets that need to be understood in order to effectively grow a business.
What Star Wars, Beowolf, and Breaking Bad have in common. Understanding archetypes and narrative arcs can help us write more interesting prose. Think of your own life story in heroic terms.
People and platforms are creating new modes of work. In today’s world we can rely on email, Skype and other technologies to bring people together to work effectively without concerns for geography. We don’t need to be in the same office any longer. We can contract with people with specific skill sets to create and organize teams to fulfill certain goals on a project oriented basis.
These developments create flatter, less hierarchical organizations based on networks. To accomplish our work and meet our needs we rely on dozens, hundreds, thousands of individuals and organizations over whom we exercise no direct control.
Purposeful management in these situations takes communication skills. Written communication skills have become of paramount importance.
The piano has been an integral part of the jazz idiom since its inception, in both solo and ensemble settings. Its role is multifaceted due largely to the instrument's combined melodic and harmonic capabilities. Jazz piano technique and the orchestral scope instrument itself offer soloists an exhaustive number of choices. Jazz piano has played a leading role in developing the sound of jazz. Here is a quick list of the greatest players and composers.
Marketing is the way companies interact with consumers to create relationships that are beneficial to both parties. Businesses use marketing to identify their audience before advertising to them. Today, this is most visible through social media interactions.
10 Best Books Finance and Capital MarketsJohn Cousins
These books discuss most recent events and recede back to episodes in the past. They help us gain an understanding of how we got to now, what we have learned from past debacles, and how history repeats itself.
Market segmentation is a marketing strategy which involves dividing a broad target market into subsets of consumers, businesses, or countries who have, or are perceived to have, common needs, interests, and priorities, and then designing and implementing strategies to target them.
Marketing is the action or business of promoting and selling products or services, including market research and advertising.
United States of America: Economic PowerhouseJohn Cousins
The US has the largest economy in the world. How did it get there? It is a history of booms and busts; science and technology; and heroes and scoundrels.
Arbitrage and the Value of Time in FinanceJohn Cousins
Race Against the Machines! The Stock Market is no longer run by humans. It is run by matching engines in computers. The stock exchanges are now server farms and the capital markets have been fragmented. The speed of transactions is now the competitive advantage in trading, only limited by the speed of light. The economic value of time in finance has exploded. Time is truly money.
The tale of high frequency trading HFT and the building of the straight fiber link between Chicago, the Merc, and New York, NYSE, is from the first chapter of Flash Boys by Michael Lewis. I highly recommend this book and all the other books by Mr. Lewis.
The Great American Songbook Composers and Their Greatest SongsJohn Cousins
I came to the Great American Songbook seeking freshness and novelty, but a came through a different door. The gateway to GAS was jazz. I began listening to jazz in high school and my knowledge and interest broadened and accreted over a long arc of decades.
I have a fascination with these songs and their composers and the performers and their zeitgeist. I want to share it and ignite your interest and curiosity. Look up these tunes, performers and composers on YouTube: it is your free jukebox music library of just about every tune. You can even see the original performances in the Hollywood musicals! This is an amazing time and you have access to it all at your fingertips, so grab your smartphone and earbuds!
There are few things more precious and interesting than a Golden Age. There was a Golden Age of a particular kind of music that ran from the twenties through the fifties: the golden age of popular standards; the songs that constitute The Great American Song Book. These tunes were written by dapper, creative giants like Cole Porter, Rodgers and Hart, the Gershwins, Johnny Mercer, Hoagy Charmichael, Jerome Kern, and Dorothy Fields. Urbane sophisticated talents who created a body of work that effortlessly captures that urbanity and sophistication.
They created tunes focused on the subject of romantic love and exploring all the stages and aspects of the arc of a great love affair: from the initial “walking on air” to the jaded ennui of “never again”. They were obsessed with this theme and subject. Describing, exploring, and driving deep into all its mysteries. These composers and lyricists were in love with Love.
These tunes wed lyrics and music into songs that were crafted by songwriting teams originally centered around Tin Pan Alley; The Brill Building on Broadway in Mid town Manhattan. These songwriting teams in many cases split the composing tasks along functional lines: one writing the music and on writing the lyrics. The composers were writing vehicles for others to perform and usually pitched the tunes in the context of a Broadway or Hollywood musical. They were cranking out tunes for the Hollywood and Broadway dream factories at a prodigious pace. They really worked! Cranking out so many songs, they have a tossed off, effortless quality and a guileless directness. They feel unpretentious and casual: genuine and authentic. But their craft and genius raise these songs to high art.
Many of these tunes became popular hits in their own right, lifted out of the shows and movies, and have been recorded by all the great performers. Fred Astaire debuted many of these tunes and was a favorite of the writing teams. He was known as much for his singing as his dancing! Diana Krall, Harry Connick Jr. and Michael Buble are some of the latest to pay homage to the songbook.
This presentation explores the relationship between money, time, value and wealth. What is transactional, what is valuable, where does wealth repose? This presentation delves into some of the most important philosophical underpinnings of business, economics, finance, time, and psychology.
Inventory: Buffer or Suffer operations and supply chain managementJohn Cousins
Understanding and managing inventory is a critical strategic and operations endeavor; buffer or suffer!
Receivables and inventory are usually financed with a line of credit (revolving debt like a credit card). Managing receivables aims to making sure that all your customers pay and that they pay in a timely manner; you need that cash in the door! Managing inventories also means not letting inventories build up. You do this by monitoring sales and manufacturing activity. You want enough inventories so you can accommodate a spike in sales, but you also don’t want to risk having too much inventory that you can’t unload. This is especially important with products that have a short life cycle and can become obsolete. If not sold in a timely manner this might force you to discount them heavily and take a loss. Operations management is carefully focused on this potential problem. .
You can quickly asses how a company is doing in this regard by looking at their balance sheet and comparing Current Assets to Current Liabilities and seeing if there is a larger amount of Current Assets. Do this comparison for the last few years and you can see if there is a change in Working Capital and if it is due to a build-up of inventories.
We live in a glorious time of bounty when it comes to educational resources for the curious and ambitious. Here are some ideas to point you in the direction of life-long learning.
This slide deck is based on the concepts in a great book by William Ury called Getting Past No. If these slides pique your interest, I suggest reading the book; it is well worth your time.
Broaden the options available instead of trying to narrow the gap between positions and suffering premature closure.
A wiser decision-making process: select from a large number of possible answers
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
2. Money
• Transactional vehicle
• Money is any item or
verifiable record that is
generally accepted
as payment for goods and
services and repayment
of debts.
• The main functions of money
are distinguished as:
– a medium of exchange
– a store of value
• Any item or verifiable record
that fulfills these functions can
be considered money.
3. Gold Standard
• A gold standard is a
monetary system in
which the standard
economic unit of
account is based on a
fixed quantity of gold.
4. Bi Metal Standard
• bimetallism is a monetary
standard in which the value of
the monetary unit is defined as
equivalent both to a certain quantity
of gold and to a certain quantity of
silver;
• such a system establishes a fixed rate
of exchange between the two metals.
The defining characteristics of
bimetallism are[
• Both gold and silver money are legal
tender
• The government will convert both
gold and silver into legal tender coins
at a fixed rate for individuals in
unlimited quantities. This is called
free coinage because the quantity is
unlimited, even if a fee is charged.
10. Multiplier Effect
• The expansion of a
country's money supply that
results from banks being
able to lend. The size of the
multiplier effect depends on
the percentage of deposits
that banks are required to
hold as reserves. In other
words, it is money used to
create more money and is
calculated by dividing total
bank deposits by the
reserve requirement.
13. Liquidity
• In banking, liquidity is
the ability to meet
obligations when they
come due without
incurring unacceptable
losses.
14. Solvency
• Solvency, in finance or
business, is the degree
to which the current
assets of an individual
or entity exceed the
current liabilities of that
individual or entity.