Micro-Franchising

Micro-franchising for innovative and clean goods

A recent development in microfinance is to identify a technological innovation that, embodied in a new durable good or equipment, could improve the life of the poor directly or by the revenues achieved through the commercial sales of the services it provides.

For instance, mobile phones have been purchased by poor women in Bangladesh (using a micro-loan) and the services of phone calls sold to the entire village, boosting not only the woman revenues (and her capability of paying back the loan) but also her social centrality ("Before nobody invited me to marriage cerimonies, now I am the first to know and be invited, because they use the phone to invite all the others", as Muhammad Yunus quoted at the Asian-Pacific Microcredit Summit 2008).

The key partner is the producer of the innovation or the global service provider (e.g. the mobile phone producer or the phone company) that is crucially interested in selling in rural areas and to the poor. By signing and implementing franchising partnerships with economic giants or new entrants, MFIs become the vehicle of modernization of the areas where they operate, empower the technological level of their clients, and diversify their products.

In other cases, the microfinance institution could be selling durable goods directly, operating a commercial margin to contribute to fixed costs.

A particularly important categories of durables that should be channelled through this kind of agreements are green clean technologies, e.g. solar-powered lighting systems. In our book on "Innovative Economic Policies for Climate Change Mitigation" we put forth the proposal of leveraging microfinance for the diffusion of clean tech across the poor, so to make coherent and compatible the two goals of poverty eradication and climate change mitigation.

Forex Currency Trading

How Do I Monitor My FOREX Currency Trading?

A foreign exchange software is great in monitoring foreign exchange currency

Most of these FOREX prediction software can help you lessen losses and increase income.
You can monitor your foreign exchange trading online, from anywhere, anytime.

You have full control to monitor status, confirm scenarios, modify some rules in the trade, or close it.

It is further important to stay abreast with most recent daily FOREX market news so you are aware of what is happening at all times.

The rules can consist of instructions with regard to the position of say moving averages, oscillators, or some other technical indicator, or maybe specific price patterns, or a markets proximity to certain key price levels, Etc. Most often several of the above are combines in order to create a full set of rules.

As a simple example, if a 20 period moving average crosses over a 50 period moving average and the stochastic indicator is less than 20, then buy.

Once your list of rules are coded into a full system, you instruct your trading platform to trade the system on an automated basis.The system will from this point on, automatically place all of the buy / sell orders into the markets.

Casino

A casino is a facility that houses and accommodates certain types of gambling activities. Casinos are most commonly built near or combined with hotels, restaurants, retail shopping, cruise ships and other tourist attractions. Some casinos are known for hosting live entertainment events, such as stand-up comedy, concerts, and sporting events.

While almost any game can be played for money, and any game typically played for money can also be played just for fun, some games are generally offered in a casino setting.

Table games
Electronic gaming
* Pachinko
* Slot machine
* Video poker

Other gambling

* Bingo
* Keno

Non-casino gambling games
Gambling games that take place outside of casinos include Bingo (as played in the US and UK), dead pool, lotteries, pull-tab games and scratchcards, and Mahjong.

* Card games, such as Liar's poker, Bridge, Basset, Lansquenet, Piquet, Put, Teen patti
* Carnival Games such as The Razzle or Hanky Pank
* Coin-tossing games such as Head and Tail, Two-up*
* Confidence tricks such as Three-card Monte or the Shell game
* Dice-based games, such as Backgammon, Liar's dice, Passe-dix, Hazard, Threes, Pig, or Mexico

*Although coin tossing isn't usually played in a casino, it has been known to be an official gambling game in some Australian casinos

Gambling is the wagering of money or something of material value on an event with an uncertain outcome with the primary intent of winning additional money and/or material goods. Typically, the outcome of the wager is evident within a short period.

The term gaming in this context typically refers to instances in which the activity has been specifically permitted by law. The two words are not mutually exclusive; i.e., a “gaming” company offers (legal) “gambling” activities to the public.

This distinction is not universally observed in the English-speaking world, however. For instance, in the UK, the regulator of gambling activities is called the Gambling Commission (not the Gaming Commission).

Also, the word gaming is frequently used to describe activities that do not involve wagering, especially online.

Trade Deficit

A trade deficit, indicating that imports have exceeded exports, is normally seen as an adverse indicator as money flowing out of the country to buy foreign goods may well have a devaluing affect on the currency.However, fundamental analysis will also give an indication of the expectations of the market and these will normally dictate whether or not a trade deficit is unfavorable.


For instance, it may be the case that a particular county usually operates with a trade deficit and that this fact has already been taken into consideration in fixing the price of its currency.Generally, a trade deficit will only affect currency prices where they are higher than the market would normally expect to see.Each country has got its own particular set of economic indicators (presently there are in the region of 28 major indicators in use within the United States) and these have a strong influence on financial markets.As a result, Forex traders must be aware of them and examine them carefully when they are preparing their trading strategies.

Luckily, for traders who are working on the Internet, many websites today provide a wealth of the latest information, but it is up to individual Forex traders to extract this information and apply fundamental analysis to it in order to formulate their trading decisions.

Investing Money in Currency Trading via Internet

n the past, only the bigwigs in the business arena, central banks, and the larger banks in a country are the ones dominating the forex market. When the Internet came into the picture, the forex market has become much more accessible to individuals, who are interested in investing money in currency trading.

The Internet has truly changed the foreign exchange market totally. Now that one can invest in forex online, more and more people are learning about the business and about the many benefits it has over other equity-related businesses like the stock exchange.

The forex market has over $2 trillion dollars traded every day as compared to the New York Stock Exchange usual $50 billion. So you see, there is a tremendous potential in investing money in currency trading, this is why the volume of transactions is growing day to day across the world.

Foreign exchange is very flexible too, since it operates 24 hours a day, 5 days a week to cover all time zone issues that the may be during the forex transactions. One investor can indulge himself in the business at the most comfortable time for him, in case he is busy with so many other things he does for a living. One will not feel like he'll have to beat a deadline of sort when trading since he can always trade when he wants to.

Online forex sites that provide venues for investing money in currency trading, give assistance through the forex tools they have on the websites and the valuable information about the foreign exchange business.

These web sites or forex trading systems help a beginner become more familiar with the forex trading first before he actually buys or sells currencies. These online trading systems employ demo accounts that the user can use for a given period of time, during which he will invest using play money. This will allow the user to check if he can make it well at the forex without losing real money.

This is especially useful since beginners shouldn't dive drastically into the forex bandwagon without any prior knowledge. If the user thinks that the forex is a business he can deal with through the experience he gained by using the demo account, then he can choose to sign up for the actual system which already involves real money.

Visit www.ForexReviewInsider.com
to view the easiest and
most profitable systems

Investing In Currency Trading? How and Is it good?

What is good in investing money in currency trading is that there is no requirement for an economic degree in order to do business. Anybody who has sensibility, logic, and great self-discipline can begin doing currency trading anytime - that is, after he has made a study of the business first.

The forex market is a very liquid market and the volume of transactions are so huge that one can be slapped with huge losses or gargantuan profits if he played it well. The margins may be small but the large volume of traders, makeup for this. In effect, a few cents difference in the value of currencies can spell some thousands of dollars depending on the capital entered.

For the risk takers, investing money in currency trading could be very profitable but they should also learn to adapt to changes as needed so he can continue with his streaks of success. But, one shouldn't set aside the reality that the risks can also result to grand losses.

What Is The Best Place To Invest Money ?

There are so many options nowadays especially since the birth of the internet. You may want to invest in an home business such as internet marketing or you may wish to invest in the stock market but I'll get to that in a moment.

First and foremost is that you invest in yourself. Spend a little on a book, take a course, anything that will improve your knowledge will improve the way you feel about yourself which in turn rubs off on the people around you and leads to a generally better atmosphere around you.

That said let's get back to the main question, What is the best place to invest money? Well the easiest way to invest money that can turn into an amazing amount of money is of course through trading.

As soon as people mention trading the first thing that springs to mind is the stock markets, however there are several other markets which are a little easier to make money on your investment from.

One of the most popular ways of trading at the moment is known as Forex trading - or Foreign Exchange Trading.

What is Forex Trading? Basically you trade currencies. A quick example is if you buy a $1000 and you find that the equivalent in pounds sterling would be $1220, then you would exchange and you would make $220 profit.

Also what people love about Forex Trading is that it is non stop, 24 hours a day, as opposed to other markets which close over night meaning if anything bad is happening to your investment their is nothing you can do.

It is an extremely easy way to invest money once you've learned how it is done correctly. Like I said earlier investing a little in yourself and your knowledge ultimately improves what things you are capable, without knowledge you will crash and burn in almost any investment opportunity.

What is the best place to invest money? In my opinion Forex Trading, but this is also the opinion of a lot of experts in market trading simply because if you know what your doing it is hard not to win with your investment.

Financial Priorities and Goals

Each of us has our own particular relationship to money. Some want as much of it as possible and devote significant time and energy to its pursuit. Others prefer to live simply on minimal resources.

Perhaps most of us fall somewhere in the middle, wanting to live comfortably without sacrificing the quality or balance of our lives. No matter what you want your money to do for you, learning the basics of money management will help you make it happen.

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Smart Strategy Financial Management

Most people find dealing with personal finances a chore. People are loath to manage their finances for all sorts of reasons, including not being comfortable with math, not having time, or even being fearful of finding out that there's just not enough money in the bank to cover the bills.
Being willfully ignorant about your finances is not a smart strategy whether you are flush with cash or not. Having a clear understanding of your finances is a crucial first step in maintaining or improving your financial health and avoiding unnecessary stress. Remember that financial knowledge yields financial power.

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Financial Management

To improve your personal financial management skills, you must learn what is involved. The different aspects to financial management include:

* budgeting
* banking and saving
* paying taxes
* investing
* managing debt
* retirement planning, and
* estate planning.

You don’t have to learn everything at once or become an expert. Start with an overview of the basics, and continue to educate yourself over time. The following list will get you started.

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Money and Credit

The Theory of Money and Credit
Money and Credit is an economics book written by Ludwig von Mises, originally published in German as Theorie des Geldes und der Umlaufsmittel in 1912. Along with Carl Menger's Principles of Economics, and Eugen von Böhm-Bawerk's Capital and Interest, this work was a major contribution to economic theory.

Its first English translation was published in 1934, and Part Four was added by Mises to the English language edition in 1953. In this work, Mises looks at the nature and value of money, and its effect on determining monetary policy. Included is his regression theorem, that tries to explain why money is demanded in its own right, as moneys at first glance do not serve a consumable need. Mises explained that moneys only can come about after there has been a demand for the money commodity in a barter economy.read the story....

Man, Economy, and State:

A Treatise on Economic Principles, first published in 1962, is a book on economics by Murray Rothbard, and is one of the most important books in the Austrian School of economics (others are Ludwig von Mises' The Theory of Money and Credit and Human Action). Economist Walter Block has described this volume as "excruciatingly brilliant.

" Wendy McElroy credits the book as being "solely responsible for turning [her] from the advocacy of limited government to a lifetime of work within the individualist-anarchist tradition."

When originally published in 1962, the final eight chapters were removed for political reasons; these were finally published as Power and Market in 1970. The 2004 edition published by the Ludwig von Mises Institute combines both books in a single volume. This book provides a discussion of both microeconomics and macroeconomics.

To calculate the prices of everything from airfare to books to hotel prices into their home currency, aiding your decision-making.

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Make your Realistic Budgeting

A realistic budget is your best weapon against overspending.

If you want to keep your spending under control, it's essential that you make a budget. A budget allows you to get a handle on the flow of your money -- how much you make and how much you spend. With that information in hand, you can make intelligent choices about what to buy with your hard-earned cash.
Make a List of Your Expenses

The first step in making a realistic budget is figuring out where your money goes. To keep track, make an expense record.

Limitations of computer programs.
Unfortunately, most computer programs that track expenses only analyze your check or credit card payments -- they don't record your cash outlays.

Make your own expense record.
Rather than relying on a computer program, keep track of your expenses in a low-tech but comprehensive way: with some paper and a pen. Here's how:

1. Use one sheet of paper per week to record your expenses for two months. By doing this, you'll avoid creating a budget based on a week or a month of unusually high or low expenses.
2. Begin recording your expenses on the first day of a month.
3. Create seven columns on the page, one for each day of the week. Record the date at the top of each column.
4. Carry that sheet with you at all times.
5. Record every expense you pay by cash or cash equivalent -- check, ATM or debit card, or automatic bank withdrawal. When you make a payment on a credit card bill, list the items paid for.
6. At the end of the week, put away the sheet and take out another. Go back to Step 3.
7. At the end of the two months, list seasonal, annual, semi-annual, or quarterly expenses you incur but did not pay during your two-month recording period. The most common are property taxes, car registration and maintenance, magazine subscriptions, tax preparation fees, insurance payments, and seasonal expenses such as summer camp fees or holiday gifts.

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Demand to see your credit score

Experian's refusal to let consumers see their FICO scores, even for a price, hands more power to lenders. Lawmakers might end this outrage -- if we give them a push.

By Liz Pulliam Weston
MSN Money
After years of inaction and neglect, Washington is finally getting serious about protecting people from abusive credit card practices. Consider:

President Barack Obama last week summoned credit card executives to the White House and signaled that credit card reform is on his agenda.

Meanwhile, the "Credit Cardholders' Bill of Rights" is heading for another vote in the House of Representatives.

Regulators already have imposed significant new restrictions on card issuers, although those won't go into effect until mid-2010.

Reforms are long overdue. But all sides are missing a golden opportunity to protect people from abusive credit bureau practices, specifically the bureaus' ability to cut off our access to our own FICO credit scores.

In February, I wrote about how Experian suddenly had decided not to sell FICO scores to consumers anymore, although it continues to sell the scores to lenders. That decision, which has yet to be challenged by regulators or lawmakers, conceals from consumers a vital piece of their credit information.

Crackdown on the credit card industry

You no longer have any idea, before you apply for a mortgage, what kind of interest rate to expect. That's because most mortgage lenders use the middle of your three credit bureau FICO scores to determine rates and terms. Without access to all three FICOs, you can't know what your middle score might be.

You're also at a disadvantage if you are dealing with a lender that subscribes to only one bureau and you live in the western half of the U.S. Lenders that use just one bureau tend to use the one that specializes in their region: for Experian, it's the West and Midwest; Equifax dominates the South and TransUnion the Northeast.

And it's simply unfair that information gathered specifically about you and used for profit is unavailable to you, yet can affect so many corners of your life.

Dow off 51 as swine-flu fears hit stocks

By Charley Blaine and Elizabeth Strott
MSN
Investors dump airline and cruise stocks, worrying that travelers will skip trips to Mexico and the United States. GM will cut 21,000 jobs and slash 40% of dealerships; bondholders are unhappy. Bank stocks drop ahead of stress test results.

Stocks finished lower today because of the swine flu outbreak in Mexico and United States. But the damage was not nearly as bad as feared.

Hotel and airline stocks and the shares of pork producers were hit hard by the news, and financial stocks dropped on economic fears and worries about how much new capital the companies may need.

But as futures trading overnight had suggested, the day could have been much, much worse.

The Dow Jones industrials ($INDU) ended down 51 points, or 0.6%, to 8,025.
The Standard & Poor's 500 Index ($INX) fell 9 points, or 1%, to 856.
The Nasdaq Composite Index ($COMPX) slipped 15 points, or 0.9%, to 1,679.
The Nasdaq-100 Index ($NDX.X), which tracks the largest Nasdaq stocks, slipped 3 points, or 0.2%, to 1,370.

The selling continued a pattern in force since the market rally began on March 10: Stocks have fallen in six of the last seven Mondays and have moved higher at the end of each week.

The market found support near two key levels: The Dow dropped below 8,000 at 1:50 p.m. and quickly rebounded. The S&P 500 finished fairly close to 860. The Dow

While the swine flu outbreak hit travel and a number of food stocks, it boosted shares of the makers of drugs that can help prevent catching the disease.

The worries spread to energy stocks, pushing the price of crude oil lower, and added to the worries about how long the recession will last.

The downturn came despite a 20.7% gain -- to $2.06 -- in shares of General Motors (GM, news, msgs), which announced a new restructuring plan. GM's gain was the largest among the 30 Dow stocks.

Meanwhile, financial stocks were lower on worries about whether the government's stress test will force several large regional banks to raise new capital.
Regions Financial (RF, news, msgs) was down 11.7% to $4.91; KeyCorp (KEY, news, msgs) fell 12% to $6.16.

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Financial Changes

Consider larger financial changes.
If you continually come up short, you may need to consider some larger changes. For example, you might sell your newer car for an older used car to free yourself from car payments. As you make adjustments to your budget, give careful thought to your priorities. Think about what you value, and be honest with yourself.

Make Adjustments

Review your budget and make adjustments.
Check your figures periodically. If you never have enough money to make ends meet, it's time to adjust some more. Or, if you constantly overspend in one area, change the projected amount for that category and trim the money from another category.

Make a List

Preserve things you cannot live without.
Make a list of things you feel you can't live without, and whittle down your other expenses to accommodate them. For example, you may decide to give up most of your magazine and newspaper subscriptions because you know you'd go nuts if you couldn't go to the movies once a week. If you make room for at least some of the things you love most, you're much more likely to succeed at your plan.