www.stop-finance.org http://www.stop-finance.org Just another WordPress site Wed, 02 Mar 2016 16:34:37 +0000 en-US hourly 1 http://wordpress.org/?v=3.5.1 Business Travel to Berne http://www.stop-finance.org/business-travel-to-berne/ http://www.stop-finance.org/business-travel-to-berne/#comments Tue, 04 Feb 2014 15:03:33 +0000 admin http://www.stop-finance.org/?p=146 The Swiss capital

Switzerland is one of the world’s hubs for business travel. Zurich, Geneva and Basel are centres for finance, international organisations such as the United Nations, and the pharmaceutical industry respectively. However Berne, in mid-west Switzerland almost half way between Zurich and Geneva, is better known for its historical heritage than as a business destination. The capital of Switzerland is much like Canberra, Australia; a capital without being the most populous city in the country. The majority of businesses in Swiss-German speaking Berne are within the service sector including government, tourism, IT, telecommunications, and financial and professional services. Due to its central locality and fundamental importance as the heart of Swiss government, international business travel to Berne is increasing.

Getting there and away

Flying is the most convenient way to get to Berne. The city has its own airport with a travel time into the city centre of around 30 minutes by train or taxi. Business flights are connected to major hubs in Europe including London-City, Munich, Barcelona and Amsterdam. You can also fly to the larger cities of Geneva and Zurich and travel overland to the capital within two hours either by road or train.

Getting around

An easily navigable town, Berne has an efficient public transport system you can hop on and off rather than taking taxis to your meetings if you prefer. The city has the S-Bahn train network, tramway, trolley bus and a regular bus network, all of which provide a good way to see Berne. Swiss Tourism has developed an app which is well-worth downloading before you travel: Berne Travel App

In Berne

Once you’ve arrived, Berne’s medieval architecture will blow you away. Iit’s not a town of skyscrapers and highways. Instead you will find old-world Europe, with brick work buildings, turrets, lanes and narrow roads. The Old Town was awarded UNESCO World Heritage Site in 1983. Berne’s history means that it’s a city of culture and the arts with abundant museums, theatres, festivals and fairs, providing unique options for entertaining your business colleagues, clients or partners, or even to entertain yourself if you have a spare couple of hours.

Picture Credits:

http://www.stop-finance.org/business-travel-to-berne/feed/ 0
The European Central Bank http://www.stop-finance.org/the-european-central-bank/ http://www.stop-finance.org/the-european-central-bank/#comments Fri, 12 Jul 2013 08:39:40 +0000 admin http://www.stop-finance.org/?p=130 European Central Bank

The European Central Bank is headquartered in Frankfurt, Germany.

The European Central Bank was established on 1st January 1998 and is headquartered in Frankfurt, Germany. The European Central Bank replaced the European Monetary Institute in June 1998. The European Monetary Institute was created by the Maastricht Treaty to prepare for the establishment of a transnational central bank, and a common monetary policy.

The European Central Bank is responsible for issuing the Euro as a common currency, defining the broad monetary policy of the Euro area, and making the necessary decisions for its implementation. That is, to keep the purchasing power of the Euro, and thus safeguard price stability and value in the region, which currently includes the 17 countries of the European Union introduced into the Euro since 1999.

The European Central Bank was based on the model of the German central bank, the Bundesbank, which was largely the creation of German ordo-liberals, who were a group of post World War II West German economists. The Bundesbank concept revolved around a market based economic system within a State created regulatory framework. The goal was to stimulate economic competition and maintain free markets that operated within a strong social, political and moral framework.

The European Central Bank is one of the seven central European Union institutions. Its main duty is to keep inflation under control and thereby stabilise prices, particularly within the Eurozone. The European Central bank ensurers that financial institutions and markets are properly supervised in order to maintain financial equilibrium. The European Central Bank works within the central banking system, which comprises the major banks in each of the 28 European Union countries. The European Central Bank’s mandate includes:

  • Regulating key Eurozone interest rates, and managing the supply of money to the zone.
  • Supervising the Eurozone foreign currency reserves, and trading currencies as necessary to balance exchange rates.
  • Tracking price trends and evaluating the risk to price stability.
  • Helping to ensure that payment systems operate smoothly, and overseeing the appropriate supervision of financial institutions and markets by national authorities.
  • Authorising central banks to issue Euro banknotes.
http://www.stop-finance.org/the-european-central-bank/feed/ 0
Corporate communication http://www.stop-finance.org/corporate-communication/ http://www.stop-finance.org/corporate-communication/#comments Fri, 12 Jul 2013 08:36:54 +0000 admin http://www.stop-finance.org/?p=131 corporate event

Corporate communication is arguably one of the most important aspects of any company

Corporate communication is arguably one of the most important aspects of any company and is essentially the sharing of information within and outside a business. Corporate communication is an over-arching name given to a range of responsibilities such as the marketing communications team, press office, brand management or the publicity team. The corporate communication department is tasked with promoting the company to the outside world and also to the staff who work there. This can be through the press, advertising, social networking, marketing campaigns and associated public relations activity. Without staff employed in this field of work, nobody would know an organisation existed.

Corporate communication is an important department with regards to handling staff communications. It is important that everyone who works within a business knows what is happening and does not hear news about their employer from media reports. Corporate communication is about managing content creation for intranet and public websites to ensure that it is informative, relevant and interesting to the relevant audiences.

Brand management is an important responsibility of those who work in corporate communication. This covers the correct use of the company logo and the ensuring that any internally produced documentation carries the correct size, colour and style of logo and is produced in the correct font. Corporate communication is vital to the re-branding of any business, whether it be a name change or a new logo.

There will also be challenges to face when working in a corporate communication environment. Negative media, redundancies and looking to re-build a poor image of a company can mean a great deal of work putting new relationships in place with key stakeholders.

One such person who has excelled in all these areas at a senior level is former Midpeninsula Regional Open Space District’s Head of Public Affairs, Rudy Jurgensen. After working in Silicon Valley for nine years, he is now located in Berlin. Rudy Jurgensen’s website gives details of his experience as a communications professional.

Corporate communication is a fast-paced working environment. Creative professionals who enter it are guaranteed new and life-enriching experiences.

http://www.stop-finance.org/corporate-communication/feed/ 0
Dealing with foreign exchange risk http://www.stop-finance.org/dealing-with-foreign-exchange-risk/ http://www.stop-finance.org/dealing-with-foreign-exchange-risk/#comments Sun, 03 Mar 2013 21:25:53 +0000 admin http://www.stop-finance.org/?p=123 Also referred to as currency risk, foreign exchange risk refers to the probability of a business’ value depreciating due to the change in values of currency. Businesses that deal with export and imports are the ones mainly affected by value changes of currencies. Foreign exchange risk can also be referred to the risk a business has to deal with, closing a long or short position in another currency at a loss.

foreign exchange notes

Foreign exchange is, arguably, the largest market in the world.

Foreign exchange is, arguably, the largest market in the world. This market has a daily turnover of almost a trillion pounds. Therefore, any business that depends on two or more currency types, are likely to lose a lot of money when one of the currency depreciates. The currency exchange rates are affected by a number of things. Demand and supply of different currency types are the most influential factors of the rate of exchange. Politics can also greatly influence the foreign exchange rates.

Translation foreign exchange risk affects numerous businesses. Businesses that have assets abroad, and the base currency of the foreign country shifts unfavourably, will lose a lot of money. Yes, even if a firm is not ready to crystalise the asset in the short-run, such an unfavourable currency shift affects their overall net-worth. A business dealing with this kind of foreign exchange risk can do little about it. However, if the firm’s financial experts predict a large unfavourable currency rate shift, liquifying the asset as soon as possible is advisable.

Settlement risk is another foreign exchange risk. Firms that directly engage in selling and buying of currencies are most likely to be affected by this type of risk. A trading firm, or individual, must, therefore, be ready to deal with losses if their broker failed to honour their part of the deal. The bank you made a currency transaction with might also go bankrupt. Businesses can avoid dealing with this kind of foreign exchange risk by only dealing with credible banks, and brokers. Moreover, seeking expert advice is very important.

The IXE Financial Group is one of the best firms you can count on for advice. The Facebook presence of IXE Financial Group makes it easier to contact them!

http://www.stop-finance.org/dealing-with-foreign-exchange-risk/feed/ 0
The causes and effects of Inflation http://www.stop-finance.org/the-causes-and-effects-of-inflation/ http://www.stop-finance.org/the-causes-and-effects-of-inflation/#comments Fri, 01 Mar 2013 13:36:35 +0000 admin http://www.stop-finance.org/?p=86 Inflation has always been a key part of our economy, historically and financially. The so called ‘value of money’ is constantly changing, and in turn shaping our lives and society. We often hear a lot about inflation on the news, but what exactly is it?

a man rising coins symbolising inflation

Put simply, inflation is when the general price of goods and or services in a country rises.

Put simply, inflation is when the general price of goods and or services in a country rises. In times of inflation, things get more expensive to buy. In theory, this should also mean that the wages of the workers producing the goods increase as well.

Unfortunately, this isn’t always the case. Inflation is often a time when the CEOs and large corporations can take great advantage of inflationary crisis. In recent years, we’ve seen inflation across the US economy, yet we’ve also had the average wage stagnating. What does this mean for the workers? It means that things become more expensive to buy, and they don’t have more money to compensate for this rise in price. Generally, this can lead to a stagnation or decline in the standard of living.

How is it caused? The most prominent and relevant cause of inflation would be when extra money enters the economy. As the general money supply increases, prices become more affordable, so to facilitate this increased purchasing capacity – prices naturally rise. Be warned, this description is put quiet simply. There are hundreds of factors involved in inflation, it’s why it remains such an issue even to modern economists.

Inflation, in most cases, is best kept to a low rate. High inflation rates can have catastrophic effects on the economy and trigger a domino effect in a specific markets – just take a look at the housing bubble. A good examples of it’s dangers would be post-war Germany in the 1920s; it was said that a the price of a loaf of bread could be one dollar in the morning, and inflate to 5 dollars in the evening. Such economic uncertainty is never a good thing, and that’s why so much effort is put into controlling and managing the money supply in the economy.

http://www.stop-finance.org/the-causes-and-effects-of-inflation/feed/ 0
Bonds: What are they? http://www.stop-finance.org/bonds-what-are-they/ http://www.stop-finance.org/bonds-what-are-they/#comments Fri, 01 Mar 2013 13:35:59 +0000 admin http://www.stop-finance.org/?p=84 What are Bonds? Simply put, they’re a loan that you give out to businesses or governments, that come with a promise that you’ll receive your initial money back in addition to any interest you might have earned. Governments and big businesses are always needing money to fund new projects and developments, and selling out bonds is one of the ways they can do this. In the investment world, bonds are considered to be one of the safest forms of investment. Unlike shares or stocks, bonds come with a guarantee; there is still risk to be had if you’re not buying bonds from a company/government with a proven track record.

USSR treasury bond (1982)

USSR treasury bond (1982)

These types of investment can be plotted into two different categories: government and corporate. Government bonds are considered to be less risky than corporate bonds; as it’s much more likely for a single company to default on it’s debts rather than an entire government. That being said, you should never assume that bonds come with a risk-free tag! It is fully possible for a government or a local establishment to delay or even default on all of their loans, which would render your investment worthless.

With great risk, comes great reward. Corporations are profit-driven machines that will do almost anything to generate some extra income. As a result of this, the interest rates from corporate bonds will typically be much higher than investing in a government alternative. Every company has a credit rating/history; such ratings will affect the risk and reward of each investment opportunity.

For those looking to invest their money in a moderately low-risk solution, then I recommend bonds as a brilliant way to earn some extra money. I also urge you to approach all kinds of investing with caution. There will be companies, and sometimes even local governments, that will try and convince you into a loan-investment which is less than secure.

http://www.stop-finance.org/bonds-what-are-they/feed/ 0
Asset Allocation http://www.stop-finance.org/asset-allocation/ http://www.stop-finance.org/asset-allocation/#comments Thu, 10 Jan 2013 07:29:47 +0000 admin Asset allocation is a popular investment strategy that helps in balancing the return ratio and risks through diversification of resources. As an investor, this system helps in dividing your assets in various categories such as stocks, cash, bonds and real estate as a way of minimising the possible risks. This form of investment is popular in the modern generation, especially due to the unpredictable economy characterised by price fluctuations, insecurity, natural disasters and other associated risks.

Advantages of asset allocation

Since the investment has been diversified, the risks are minimised. The investor will still have a stable portfolio even if one of the investments is affected by any type of risk. This also helps in reducing the losses since not all investments will be affected when one of them fails to perform well in the market.

Asset allocation normally comes with great retirement benefits. It is a safe way of retiring because you have a stable investment that does not rely on one source. This gives you a chance to retire in peace, since you are assured of a stable financial future even when you are not actively involved in managing your portfolio.

word could based on asset allocation

Asset allocation normally helps in providing more investment opportunities thus increasing your profits.

Asset allocation normally helps in providing more investment opportunities thus increasing your profits. Some investors focus on one source of income such as the stock market and this automatically locks out other profitable investments that are yet to be explored. Asset allocation gives you a broader view of the market, therefore making it easier for you to select the most profitable investments.

Disadvantages of asset allocation

Even though asset allocation is known for its numerous benefits for investors, it normally comes with some disadvantages. The greatest disadvantage of asset allocation is the fact that you will need someone else to manage your portfolio, thus losing your attention. This is very risky because in case of poor management or other irregularities, you may notice it only when it is too late.

Asset allocation also comes with an average profit compared to collective investment. The average profit normally comes as a result of variations in terms of performance of the various investments. For example, if the stock market is profitable at the moment, the real estate sector might not guarantee the same results. For more information about asset management solutions, you should always feel free to visit The IXE Financial Group Facebook fanpage.

http://www.stop-finance.org/asset-allocation/feed/ 0
Barter – the modern, old-fashioned approach http://www.stop-finance.org/barter-the-modern-old-fashioned-approach/ http://www.stop-finance.org/barter-the-modern-old-fashioned-approach/#comments Tue, 08 Jan 2013 14:39:30 +0000 admin People traded with each other long before the invention of currency units and the corresponding modern corollaries such as direct debits and credit cards. In the old days people simply traded goods and skills they had for goods and skills they needed. It was known as the barter system and it was a fact of life which worked well for everyone from peasants to the elite.


While barter has many advantages, it is probably best suited to areas either where the exchange takes place rapidly or where prices remain relatively stable.

As the world moved away from artisan crafts and small-scale production towards an industrial society, barter began to fall out of favour. The scale of production and the quantity of raw materials required to sustain it made barter impractical given the limitations of transport and communications during the period. It was simply more practical to arrange the transport of cash over long distances that to try to use barter.

In due course of time transport and communications improved and there began to be an increasing emphasis on working faster and smarter instead of just harder. Companies began to realize that using barter allowed them to maximize their existing assets while preserving their cash-in-hand. An example of this would be a factory using barter to mop up excess inventory and keep production lines running, freeing up its cash reserves for future investment. The popularity of corporate barter has led to the creation of clearing houses to link businesses together.

While barter has many advantages, it is probably best suited to areas either where the exchange takes place rapidly or where prices remain relatively stable. In industries where prices (and therefore costs) can change rapidly, it can be difficult to negotiate appropriate long-term deals, which can result in one or both parties feeling that they have been short-changed.

The other key point of barter is that contracts must be drawn up with complete precision and clarity so that both parties fully understand and agree to the nature and duration of the arrangement.

http://www.stop-finance.org/barter-the-modern-old-fashioned-approach/feed/ 0
Occupy Wall Street http://www.stop-finance.org/occupy-wall-street/ http://www.stop-finance.org/occupy-wall-street/#comments Wed, 14 Mar 2012 10:17:31 +0000 admin Occupy Wall Street started as a joke. The movement lured in thousands of freeloaders, street criminals and political provocateurs who, when mixed together, created a national clown show. Occupy Wall Street is the creation of Adbusters, a Canadian magazine that specializes in the satire of commercialism and the promotion of anarchy.

Demonstration: Occupy Wall Street

Demonstration: Occupy Wall Street

On July 13, 2011, Culture Jammers, a blog connected to Adbusters, twittered to it’s anarchist followers this: “Are you ready for a Tahrir moment?” The blog urged its rabble-rousers to gather 20,000 followers and flood lower Manhattan with one simple demand. The blog told its followers to build a tent city, complete with soup kitchens and barricades.

The plan called for occupiers to build momentum and later vote on what the one demand would be. The demand must “awaken the imagination,” said the Culture Jammer blog, and “propel us toward the radical democracy of the future.” The blog urged the anarchists to “put our asses on the line to make it happen.”

Around the second week of September 2011, the blog published a call-to-action with this title: “Hey President Obama, Get Ready for our One Demand.

In the manifesto, the blog ruminated on what the one demand might be. The blog suggested an “END THE MONIED CORRUPTION OF AMERICA MANIFESTO.” The blog, with the keyboard stuck in caps, urged its tribe to publicly deliver a diatribe based on the above demand to the White House and American press.

On September, 17, 2011, a howling ragtag army of freeloaders, agitators, hippies, anarchists, street people and criminals marched into Zuccotti Park in the Wall Street Financial District and Occupy Wall Street was born.

The Occupy Wall Street infection spread to other cities across America. Nobody in these encampments could articulate why they were there or what their purpose might be. Residents of the Occupy Wall Street movement simply sat around and demanded everything and nothing.

Some demanded free pizza. Others wanted free laptop computers and took them from other Occupy Wall Street protesters. Nobody demanded a bath.

Occupy Wall Street started as satire, descended into farce and ended as a joke.

http://www.stop-finance.org/occupy-wall-street/feed/ 0
What Is a Rating Agency? http://www.stop-finance.org/what-is-a-rating-agency/ http://www.stop-finance.org/what-is-a-rating-agency/#comments Wed, 14 Mar 2012 10:11:51 +0000 admin Rating agencies play a vital role in the financial markets and can impact the value of investments. Understanding what rating agencies are and how they work is essential if you plan on becoming a successful investor.

Rating agencies play a very important role in the financial markets and can impact the value of many different types of investments on a regular basis. These agencies are supposedly unbiased and not affiliated with any particular investment or company.

What Rating Agencies Do

Rating Agency Cartoon

Rating Agency Cartoon

Rating agencies are independent companies that closely examined financial instruments and issue ratings based on their findings. The ratings that they issue give investors a starting point for determining the risk associated with a particular investment. For example, rating agencies issue ratings on mutual funds and bonds so that investors can gauge how much risk they are actually taking on when investing in a security.

Rating Agencies

Some of the most well-known rating agencies in the industry are Standard & Poor’s, Fitch and Moody’s. Their ratings are featured in many different financial publications such as the Wall Street Journal and Morningstar. If you’re thinking about investing in any mutual fund or bond, you should be able to find a rating for it from one of the three main credit rating agencies.


Although the rating agencies do issue ratings on most of the popular investments, you should not take what they say as 100 percent truth. These agencies have been wrong many times before and they will inevitably be wrong again in the future. For example, before the 2008 financial crisis, they played a role in the problem by issuing strong ratings to mortgage-backed securities that held toxic mortgages. They also had the highest rating possible on Lehman Brothers just hours before it went bankrupt during the crisis. With these facts in mind, you should take any rating that they issue with a grain of salt. Their ratings are only opinions and do not necessarily tell you how safe an investment is in the market.

These ratings can also have an impact on returns. For example, bonds that are rated highly pay lower amounts of interest because they are viewed as safer investments. Other bonds with lower ratings have to pay higher interest rates to attract investors.

http://www.stop-finance.org/what-is-a-rating-agency/feed/ 0