Catatan

Tunjukkan catatan dari September, 2008

Economic Environment

Imej
In a market economy the forces of supply and demand determine how resources are allocated. Businesses produce goods and services to meet the demand from consumers.
....
The interaction of demand from consumers and supply from businesses in the market will discover the market-clearing price- the price that reflects the balance between what consumers will willingly pay for goods and services, and what suppliers will willingly accept for them.
...
If there is oversupply, the price will be low and some producers will leave the market. If there is undersupply, the price will be high, attracting new producers into the market. There is not only a market for goods and services, but also for productive assets such as capital goods, eg, machinery, labour and money.
...
For the labour market, it is the wage level that is effectively the ‘price’, and for the money market it is the interest rate. People compete for jobs and companies compete for customers in a market economy. Scarce resources, includ…

Industry Participants of Financial Services

Imej
... Derivatives Markets ...
Derivatives markets trade a range of complex products based on underlying instruments, including currencies, interest rates, equities, commodities and credit risk. Derivatives based on these underlying elements are available on both the exchange-traded market and the over-the-counter market (OTC). .. Turnover on north American and European derivatives exchanges increased four-fold between 2000 and 2005. US exchanges account for over half of global turnover; the largest of the exchange-traded derivatives markets is the Chicago Mercantile Exchange. Europe dominates trading in the OTC derivatives markets worldwide. ... Based on the value of the notional amounts outstanding, the OTC derivatives markets worldwide are about four times the size of stock quoted on stock exchanges. Interest rate derivatives contracts account for three-quarters of outstanding derivatives contracts, mostly through interest rate swaps. .. In terms of currencies, the interest rate derivatives m…

Industry Participants

Imej
The following sections provide descriptions of some of the main participants referred to financial services industry. ....
International Banking
International banking refers to banking activities that involve cross-border transactions. The world’s largest banks are evenly distributed across the US, the EU and Japan in terms of their country of incorporation. ... Within the top 25 banks there were two Chinese banks and one Swiss bank in 2004, with the remaining 22 being headquartered in the US, the EU or Japan. The most ‘international’ bank, judging by the distribution of its offices, is HSBC. Although being incorporated in the UK and having its headquarters in London, it has 58% of its offices in the Americas - mostly in the US and Brazil. ... Citigroup, the world’s largest bank, has a strong presence across the time zones, with over 30,000 employees in each of the European and Asia-Pacific regions. 3.2.2 Equity MarketsEquity markets are the best known of financial markets and facilitate …

Positive Attitude

Imej
Attitude is the way you communicate your mood to others. When you are optimistic and anticipate successful encounters, you transmit a positive attitude.
....
It will accomplish 3 basicgoals:
....
1 It triggers enthusiasm. ...
2 Enhances creativity and increases poductivity.
....
3 Make the most of your personality.

Introduction to Securities and Investment

Imej
The world economy is growing rapidly and becoming increasingly integrated and interdependent as trade and investment flows rise.
...
This has been accompanied by even faster growth and integration in the financial services sector. Here are some examples of this:
....
Growth in wholesale financial services between 1997 and 2005 is estimated to have outstripped general economic growth by 70% on average. ...
The UK’s financial services industry employs over 1 million people, it accounts for 9% of GDP and is the world’s largest single exporter of financial services. ...
The increasing integration of markets can be seen in the proposed link-ups between the New York Stock Exchange (NYSE), Euronext and the Tokyo Stock Exchange (TSE). ..
India’s stock exchanges are amongst the fastest growing in the world.
Looking ahead, China’s financial services are likely to average over 11% real growth per annum over the next fifteen years and its imports of financial and insurance services are likely to increase…

Millionaires Mindset - Focus

Imej
It is not about how well you plan your time. It is about how effectively you keep yourself laser focused on what you planned. ... Focus! How many times have we been told to do this in our life? ... Millionaires know that they have to focus. What distractions do you allow into your life? ... Distractions are the number one focus killer! It is estimated that for every distraction that occurs in our life, it takes about fifteen minutes to get back on track or get back to the same thought pattern you were at prior to the distraction occurring. ... Make focus your number one priority. Stop the leakage of your time and start focusing today. You will be truly amazed at the results that you will have in just one month. This combined with doing what you are naturally gifted at will show amazing results for your small business. Do not let the day to day distractions stop you from focusing on your end goals and important business items. Many times, the urgent distractions are not really all that urgent…

Lagu Anak Tupai

Imej
Saya minat lagu rakyat ciptaan saudara Halim Yazid. Banyak pengajaraan yang boleh dikutip. EnjoY!
...Ado sekor…anok tupai… Atas jula mokte… kudung ekor..perut lapar… jale cari make….(2x) kejadie Tuhe..dipanggil namo tupai.. asalnyo dale hute… sejenis mamalia… (2x) ... ..
kalu pasal jakit kot dehe… diolah yang paling panda…jatuh jaghe-jaghe kerano dio tok sobar… ...
...
panda-panda tupai melopat jatuh tanoh jugok… nok wi kabar..oghe jahat… jange terlajak manggak… .....
ooo…oghe zaman dulu… pakat hambat tupai… bimbang ko woh kayu … takut tok de besar… (2X) ......
nyo durian duku… kalu de nyo kerit tupai… pendek tahun tuh…nyo durian tok de nok jual…. ........
pakat bedil ado… tupai habih mati…. hok ni lah sayo raso… kito sgt rugi… (2x) .....
kito manusia…tinggi mano pon kito ngaji… nok wak tupai sekor tentu skali nyo tok jadi......
oooo…raso siye sunggoh…. tgk sekor anok tupai.. krano terlajok kuruh… sapa tokleh niti pagar… (2x) ......
bulu-bulu pon habis luruh… air mato bera-bera… maghi dale b…

Wealth Principles

Imej
1. Your income can grow only to the extent you do! ....
2. If you want to change the fruits, you will first have to change the roots. If you want to change the visible, you must first change the invisible. ....
3. Money is a result, wealth is a result, health is a result, illness is a result, your weight is a result. We live in a world of cause and effect. ....
4. Give me five minutes, and I can predict your financial future for the rest of your life. ....
5. Thoughts lead to feelings. Feelings lead to actions. Actions lead to results. .... .
6. When the subconscious mind must choose between rooted emotions and logic,
emotions will always almost win. ....
7. If your motivation for acquiring money or success comes from a non supportive
root such as fear, anger, or the need to “prove” yourself, your money will never bring you happiness. ....
8. The only way to permanently change the temperature in the room to reset the
thermostat. In the same way, the only way to change your level of financial su…

Apakah Harga Untuk Menjadi Kaya

Imej
Memang banyak cara yang boleh kita lakukan untuk menjadi kaya tetapi kebanyakannya mempunyai harga yang perlu anda bayar. Berikut disenaraikan pilihan yang ada: ....
1Anda boleh menjadi kaya dengan mengahwini seseorang demi wang dan hartanya. Anda secara automatik menjadi kaya tetapi sanggupkah anda untuk hidup dengan pasangan yang tidak anda cintai? ...
Selalunya hubungan ini hanya kekal beberapa tahun sahaja dan itupun sudah cukup lama. Kita selalu melihat dan mendengar di media massa bagaimana pasangan orang kaya bergaduh dalam pembahagian hak ke atas harta termasuk anak-anak dan proses ini berlarutan bertahun-tahun lamanya. ....
2Anda boleh menjadi kaya dengan menjadi penjenayah, penipu ataupun seorang yang melanggar undang-undang negara. Memang anda akan menikmati hidup yang serba mewah dengan harta yang banyak tetapi biasanya hidup anda tidak tenteram, akhirnya jika tersilap langkah boleh meringkuk dalam penjara. ...
3Anda boleh menjadi kaya dengan mewarisi harta kekayaan keluarga. …