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Category: Money

Features, tips and ideas you can use for development of online business, internet startups, personal finance

  • 10 simple steps to follow when deciding to claim a financial credit

    In general, when people apply for a loan with the lender, there are two possibilities: secured and unsecured. The unsecured loan is usually granted in the event that no collateral is provided, but the annual interest rate will be higher. When demanding a secured credit, you have to guarantee with your assets (car, house, etc), instead you get a lower interest rate and in consequence lower fees will be paid back.

    Before deciding to ask for a loan, it is recommendable to follow a couple of fundamental steps.

    1. Evaluate your financial situation, detailing the monthly income and estimating the expenses as well as the taxes and debts.

    2. Make sure that you have a stable job, despite this is not a compulsory requirement.

    3. Ask your employer for a statement about your monthly income.

    4. Start looking opportunities! If you are not able to find a convenient loan with your favorite bank, then you can search also for other lenders; there are many to be found over the web.
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    5. When finding several offers, compare not only their interest rate but also the payment terms. It is good to find a lender that shows clearly the monthly payment and choose, if possible, for a fixed term of payment.

    6. Offer collateral to obtain a lower interest rate. Even if you have very high incomes, an unsecured loan comes with an interest rate higher than a secured one.

    7. Provide as many details as possible, therefore include the personal assets, liabilities and income.
    8. Check carefully all information delivered by the lender. Make sure that the payment term is in agreement with the conditions you negotiated. Once everything is clear for you, then, sign off the papers.

    9. Pay the fees exactly as listed in the contract. When not complying with the terms, you risk losing the goods stipulated as collateral.

    10. Finally, try not to miss payments, e.g. when you are switching jobs, as that would help you keep a good personal credit history.

  • Greece sells London embassy building for 27 million euros

    Greece old its embassy building in London for 23.3 million British pounds (27.4 million euros) in a sales process from which the state wants to raise funds to reduce the country’s debt.

    Greece flag
    Extreme austerity: Greece sold the building of its London embassy
    The auction targeted a minimum opening price of 22 million pounds for the Greek estate.

    Three other properties in Nicosia, Belgrade and Brussels, have generated other 13.54 million euros, privatization authority announced in a statement quoted by the Greek daily Kathimerini.

    “In difficult times, our choices proved to be justified and that’s encouraging for the future. We are very pleased with the result,” said the head of the privatization fund, Yiannis Emiris.
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    Two properties that did not receive bids will be going out again on sale in two weeks.

    Greece was forced to adopt tough austerity measures in order to receive two packs of external loans from the Eurozone and IMF, totaling 240 billion euros.

    Conditions imposed by external creditors include massive privatization for improving economic efficiency and reducing country’s debt.

  • Verizon and AT&T to buy Vodafone in largest transaction ever

    British company Vodafone might be purchased by the U.S. giants Verizon Communications and AT&T in a deal that would exceed 245 billion dollars, writes FT Alphaville.

    Vodafone logo
    Verizon Communications and AT&T rumored to pay $245 billion for British wireless carrier Vodafone
    The two American cellular companies would pay a premium of 40% over Vodafone’s value on the stocks, which sets the transaction price at around 245 billion Dollars (191 billion Euro), according to various sources.

    If the deal ends successfully, it would be the largest acquisition in history as the record is currently held by AOL which paid $182 billion for Time Warner in 2000.

    Verizon Communications has been struggling for long to buy Vodafone division of Verizon Wireless, while AT & T has been intensively seeking an opportunity to enter the European market.

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    After the news emerged in the FT, Vodafone share price rose 3.9%, the biggest increase today of a blue chip company.

    Vodafone is the second largest mobile operator in the world with 447 million users and revenues of 46 billion pounds in 2012.

    Verizon Wireless is the U.S. largest wireless carrier by number of users (115 million) and claimed revenues of 30 billion dollars last year, while AT & T is the largest mobile (106 million customers ) and landline operator in the U.S. and had revenues of 127 billion dollars in 2012.

  • Blogger Andrew Sullivan earned 333,000 dollars in one day after revealing change on The Daily Dish blog

    A U.S. blogger managed to cash in 333,000 dollars in less than 24 hours after announcing that he intends to move his blog to a new platform accessible (partially) on a subscription payment basis, writes Mashable.

    Andrew Sullivan made good bucks after split from Daily Beast hosting platform. (By Trey Ratcliff via Wikimedia)
    Andrew Sullivan made good bucks after split from Daily Beast hosting platform. (By Trey Ratcliff via Wikimedia)
    Andrew Sullivan, the owner and author of numerous articles on The Daily Dish, -a popular blog on political and social topics-, announced Wednesday that he will move his blog pages currently hosted by online publication The Daily Beast, to an independent platform that doesn’t show commercials but features kind of “premium option” for certain articles.

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    Sullivan made ​​the announcement over his Daily Dish change on January 2, and within 24 hours 12,000 readers have paid at least $19.99 for the annual subscription . Nearly 2,000 readers have paid additional $5, though they were not asked to do so, and approximately 1,000 readers voluntarily paid $50 for a year of content.

  • The Beatles, Mick Jagger and Robbie Williams may appear on new British £10 banknote

    Music giants The Beatles, Mick Jagger and Robbie Williams are three of the 150 celebrities who might appear on a new £ 10 banknote. National Bank of England has published a list of 150 famous British names, of which one will be chosen to appear on the back of the new bill. Now the public has to vote who fits the best on the new tenner.

    10 pound sterling
    £10 Vote: Lady Di, Stephen Hawking, David Beckham, Alan Turing and Robbie Williams are all ­likely to appear on the next 10 pound note.
    Among the personalities considered for this honor, there are not only stars in the music industry, but also representatives of the British monarchy, sports stars, literature and politics personalities.

    Bank of England’s list includes also Princess Diana, who died following a car crash in Paris in 1997, footballer David Beckham and rugby player Jonny Wilkinson.

    There are mentioned also other names such as the Duke of Edinburgh, Queen Mother, former Prime Minister Winston Churchill and women rights activist Emmeline Pankhurst.
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    Three “giants” of literature – William Shakespeare, Geoffrey Chaucer and George Orwell – appear on the same list, alongside scientists Stephen Hawking and Alexander Fleming, informs newspaper Mirror.

    English media writes that the main favorite is however a scientist. His name is Alan Turing, a former mathematician, cryptology and computer expert, author of articles that established the fundamentals of computer science that led to the appearance of computers. Turing died in 1954 at the age of 41 after being convicted under the laws of the time, for his gay orientation.

    Since 2000, naturalist and biologist Charles Darwin, best known for his theories on evolution and natural selection of species, illustrates one of the two sides of the 10 pounds bill, and the other side of £ 10 banknote, as all British banknotes, features the image of Queen Elizabeth II.

  • Norway Statoil to invest 7 billion dollars in hydrocarbon deposit in the North Sea

    Norwegian oil company Statoil announced big investment in North Sea hydrocarbon field near Shetland Islands. Photo:globalcstorefocus.com
    Norwegian company Statoil plans to invest $7 billion in a hydrocarbon reservoir in the North Sea, southeast of Shetland Islands.

    It will be the largest project of its kind in British waters in the the past 10 years, writes Financial Times.

    The announcement of the North Sea oil field investment comes more than 30 years since its discovery in 1981, and one day after the Japanese company JX Nippon confirmed the acquisition of 29% participation shares of the license rights of Statoil project partner, the Italian group Eni.
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    Statoil says production works will begin in 2017 and 55,000 barrels of oil per day will be extracted from the field by 2020.

    It is estimated that the deposit has reserves of 250 million barrels of oil, which ensure production in the coming 30 years.

  • A few tips about freelancers and freelance sites

    Nowadays almost everyone heard about the advantage and efficiency offered by the freelance sites. Generally, dedicated and skilled students, e.g. working in the computing field, enrol to carry out projects for various businesses which pay pretty well. There are more and more folks around the web willing to become freelancers thus offering their knowledge and services at convenient rates.

    A friend of mine is one of those who work online and he claims to be quite satisfied with his activity. According to his revealings, at the beginning you may not earn lots of bucks, however after a certain period of experience and making acquaintances, the projects turn out to be lucrative and you’ll be able to squeeze more than thousand dollars per month.

    Of course these amounts seem to be “astronomical” for those who have not done this job before. As a tip, it is advisable to read carefully the terms and conditions when subscribing for jobs to freelance websites.
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    When looking for freelance jobs (writing, designing, etc), the first tendency is to search for sites where there is no commission perceived and freelancers are allowed to communicate directly with the advertiser, however there are freelance websites where big amounts are bid therefore being charged a small commission won’t affect too much your savings.

    There are dozens websites around the internet which give you the opportunity to work from home jobs, the only thing you need to do is just to simply discover them using a classic search engine.

  • MySocialCloud founders get $1 million after responding Richard Branson tweet

    It looks like Twitter can sometimes bring unexpected luck to some people willing to launch a small business. Therefore it is advisable to re-tweet whenever you see an opportunity. It was also the case of brother and sister entrepreneurs Scott and Stacey Ferreira, who recently received almost 1 million dollars from Virgin Group founder Sir Richard Branson and Colorado businessman Jerry Murdock for their startup. And that happened even before thinking to ask for fundings.

    19-year-old Stacey Ferreira and her brother Scott, 21, decided to develop their own venture, MySocialCloud.com, one year ago. The internet app, which is now in beta version, is intended at helping folks to manage their internet work and securely store usernames and passwords, besides other private details.
    Scott and Stacey answered to a tweet from Richard Branson to meet the British billionaire in Miami. And surprisingly, 60 days later, Branson was one of the business’s investors.

    “I was taking a break from working and I decided to check my Twitter,” says Stacey, adding that she didn’t regularly check her account. When she logged on, she saw a tweet from Virgin Group founder Richard Branson, who was offering a chance for people to fly to Miami and meet him for cocktails if they would donate $2,000 to his charity, Free the Children.

    The Ferreiras, who originate from Scottsdale, Arizona, subscribed immediately showing their interest in attending the meeting without drinking cocktails as they were not allowed at that time (as they both were under 20). The siblings got 4000 bucks from their parents and booked their reservation.

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    “He just walked in the room, and we just started talking. I didn’t have time to think about being nervous,” Stacey revealed.

    There were about 18 people trying to impress Branson with their projects or their life passions. “We gave him a little background on where we were from and what our service provided,” Stacey says.

    After claiming Richard Branson’s contact details, the Ferreirar returned to California and stayed in contact with the wealthy man. They talked a couple of times over the phone with Murdock, a co-founder of Insight Venture Partners, a venture capital firm in New York.

    Murdock traveled to L.A. in August 2011 to visit the company’s office and asked the Ferreiras many questions about themselves, the startup and their ideas. The following day, Murdock told Scott and Stacey that he and Branson would provide funds for MySocialCloud.com
    Read the more about Scott&Stacey Ferreira and their MySocialCloud startup here.

  • DISMISSAL: Air France to fire more than 5100 employees

    Air France plans cost cutting method by firing about 10% of its employees
    Air operator Air France, a division of Air France-KLM, said it has give up 5,120 jobs by December next year, about 10% of the total 49,300 employees and warned that if unions do not accept the revised contracts, then the redundancies will be inevitable.

    The cut of jobs at Air France reflects similar decisions in other European airlines, such as Deutsche Lufthansa, which is trying to decrease the fixed costs in order to cover the rise in the fuel price, sais The Wall Street Journal.

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    Air France plan is part of a three year restructuring program of Air France-KLM, which aims to restore the company’s profit and reduce debt by about two billion euros.

  • Facebook makes successful debut on Nasdaq with 13% IPO rise

    Facebook made today its debut on Nasdaq stocks and its shares rose up by 13% jumping from an initial $38/share to $43/unit, after the company claimed 18.4 billion dollars in one of the largest initial public offering in the U.S. history, informs Reuters

    Facebook shares rose 13% to 43 dollar/share during Nasdaq debut (By ProducerMatthew via Wikimedia)
    Facebook shares rose 13% to 43 dollar/share during Nasdaq debut (By ProducerMatthew via Wikimedia)
    After a delay of the transactions start, which caused concern among brokers, Facebook shares opened up 13%, to $ 43 per unit compared to the public offering price of $38 per unit.

    Read also: Facebook sued for 15 billion dollars on stock inauguration day
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    The social network had over 900 million users worldwide in 2011 and recorded a profit of one billion dollars.