Easy Finance Club’s website discrepancies with Wonga’s registration number

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After it was reported last week that Easy Finance Club was charging interest at a rate of 68,300% APR, I took a closer look into the payday lender. What I found was startling, and getting a reasonable explanation was an exhausting and ultimately fruitless task.

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Cost Cutting Ideas for Companies

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So you have canceled all the office parties, stopped gifting your employees, and even laid off few employees and still, you face the economic burden. Well that’s obvious because the above ideas for cost cutting in companies were not the right or enough solutions for the problem. This way you can just break the old ties with people who believed you and who helped you taste the success. So laying off employees or compromising on their rights and comforts is the last thing you should do. Doing something like this is definitely going to affect the productivity of your employees and would create an insecure and suspicious environment in the company. To avoid such scenario, this article tells you about some cost cutting ideas for companies that you can try and get the instant results as well.

Cost Cutting Measures for Business

Before you chalk out any cost cutting ideas for businesses it is essential that you analyze everything about your business financing. The first step would be assessing your profits and expenses. A proper look at it would help you decide the areas in which you can afford and employ some cost cutting strategies. For example, there are various areas when it comes business, such as, inventory, insurance, telephone costs, travel and entertainment, vacations, and manufacturing, etc. Once you decide the area of cost cutting, you have to plan the appropriate cost control techniques to save more in that area. Efficient personnel management is important along with financial management for cost cutting. Instead of laying off employees, stop recruiting new people and see if the employees can do multiple tasks. For example, ask your secretory only to do the accounting job if possible. These are some of the usual cost cutting ideas for companies that you may try.

One of the other ideas for cost cutting in companies is paying attention to the marketing strategies of your business. If you think you are spending a lot on your marketing plans, especially when you are not producing with that rate, then it is wise to revise them. For example, you can save the money on advertising and instead go for client references to get more business. One of the important aspect of cost control management is investing in assets and not in liabilities. So do not hesitate to own things that make your work easy. For example, instead of appointing a persons for accounting, it is better to have accounting software that requires only one person to manage it. Another basic area where you must pay attention when it comes to applying most of the cost control methods is administrative expenses. You must see that the staff uses all the office infrastructure responsibly without wasting anything. For example, switching off the lights and computers, etc., when not in use.

Creative Cost Cutting Ideas in Companies

Apart from the basic cost cutting ideas, there are a lot of industry specific innovative cost cutting ideas in companies that you can come up with. For example, if you are a publication house and need to do a lot of rough paper work then make it a rule to use both the sides of the papers. This will help you cut on the paper cost. You can also think of selling unnecessary things from your office, such as furniture pieces and some insurances as well. You can also think of part time employees and guest consultants that would save a lot of money without affecting the production process. Don’t let the employees use the office telephone for personal calls. If the employees are ready to work from home then encourage that so that there will be less burden on the office infrastructure. Try to postpone the salary hikes and appraisals if you can convince the employees. If you spend on traveling and organizing seminars then avoid attending seminars held outside the city. If you wish to organize seminars, hold it in partnership with other companies. These were some of the cost cutting tips for companies.

The above cost cutting ideas for companies can definitely help you save up to a great extent. The only thing you have to do is implement the above ideas for cost cutting in companies efficiently. I hope you recover soon from the cost cutting crunch.

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PDT: Pattern Day Trading restrictions

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—Quote—
Pattern Day Trader: someone who effects 4 or more Day Trades within a 5 business day period. A trader who executes more than 4 day trades in this time is deemed to be exhibiting a ?pattern? of day trading and is thereafter subject to the PDT restrictions.

The NYSE regulations state that if an account with less than 25,000 USD is flagged as a day trading account, the *account must be frozen to prevent additional trades for a period of 90 days*. IB has created algorithms to prevent small accounts from being flagged as day trading accounts, to avoid triggering the 90 day freeze. IB implements this by prohibiting the 4th opening transaction within 5 days if the account has less than 25,000 USD in equity.
—End Quote—

http://www.interactivebrokers.com/en/?f=margin&p=daytrade&ib_entity=llc

Is this restriction on other stock markets as well? I was looking into doing some day trading, but I haven’t heard of this restriction until now. I wouldn’t want to get locked out for 3 months.

What if you have more than 25k US worth in your account, but it is in Canadian funds/cash?

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BILL GROSS: I’m A Whale And You’re The Plankton

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bill gross

Bill Gross’s new June Investment Outlook is out.  Titled Wall Street Food Chain, the report explains how big players in the markets (the 1 percent) basically feed off and take advantage of everyone else (the 99 percent).

However, he uses the imagery of a whale to describe the big players.

Lately, the term “whale” has been associated with JP Morgan’s Bruno Iksil, who reportedly took huge risky wagers that cost the bank billions.  In many circles, “whale” is an unflattering term used to describe wealthy gamblers who tend to lose money.

We’re pretty sure that’s not exactly what Gross was intending because he refers to himself as a whale in his note.

Here’s the excerpt:

The whales of our current economic society swim mainly in financial market oceans. Innovators such as Jobs and Gates are as rare within the privileged 1% as giant squid are to sharks, because the 1% feed primarily off of money, not invention. They would have you believe that stocks, bonds and real estate move higher because of their wisdom, when in fact, prices float on an ocean of credit, a sea in which all fish and mammals are now increasingly at risk because of high debt and its delevering consequences. Still, as the system delevers, there are winners and losers, a Wall Street food chain in effect.
 
These economic and/or financial food chains depend on lots of little fishes in the sea for their longevity. Decades ago, one of my first Investment Outlooks introduced “The Plankton Theory” which hypothesized that the mighty whale depends on the lowly plankton for its survival. The same applies in my view to Wall, or even Main Street. When examining the well-known wealth distribution triangle of land/labor/capital, the Wall Street food chain segregates capital between the haves and have-nots: The Fed and its member banks are the metaphorical whales, the small investors earning .01% on their money market funds are the plankton. Yet similar comparisons can be drawn between capital and labor. We are at a point in time where profits and compensation of the fortunate 1% – both financial and non-financial – dominate wages of the 99% and the imbalances between the two are as distorted as those within the capital food chain itself. “Ninety-nine for the one” and “one for the ninety-nine” characterizes our global economy and its financial markets in 2012, with the obvious understanding that it is better to be a whale than a plankton. Not only do Wall Street and Newport Beach whales like myself have blowholes where they can express their omnipotence as they occasionally surface for public comment, but they don’t have to worry as yet about being someone else’s lunch.

The rest of Gross’s note reiterates his cautious stance in a deleveraging world.  Here’s what he recommends:

Bond investors should favor quality and “clean dirty shirt” sovereigns (U.S., Mexico and Brazil), for example, as well as emphasize intermediate maturities that gradually shorten over the next few years. Equity investors should likewise favor stable cash flow global companies and ones exposed to high growth markets.

Read the whole note at PIMCO.com

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Retirement Withdrawal Strategies ? Part 1: 4% Withdrawal Over 30 Years

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The reason it has taken me so long to get this posted is that these spreadsheets contain a lot of information and I didn’t know the best way to go about writing it for AFM readers. So, here is part one of a several part series (I’m not sure how many parts will be in [...]

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Don’t Judge A Cash Advance By Its Cover

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When it comes to short-term loans, there are crucial pieces of information you want to know firsthand. Online payday loans and cash advances are attractive money solutions because of their no credit check applications. These fast money opportunities are easy to apply for via computer, laptop, tablet or smartphone.

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Using a Pay Day Loan in a Tough Economy

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At no time since 1974 has there been such a downfall in the American economy. Unfortunately, in 2008 alone, some 2.6 million people lost jobs. In just two months, from November 2008 to January 2009, unemployment numbers climbed from 6.7% to 7.2%, being the highest increase since 1993. Obviously, this has put many people in a troubling financial situation. The fortunate numbers of people that still have steady income are tightening the budget and some are still living paycheck to paycheck. For these people, sometimes they end up needing a short-term financial solution, which is available in the form of a pay day loan.

In summary, a pay day loan is unique, being a loan intended for emergencies. This type of loan is designed only as a short-term solution whereby the payoff date is typically within 30 days. However, reputable lenders offer extensions but these should only be used if necessary in that a higher interest rate might be charged, along with additional fees.

People caught up in this tough economy find that sometimes, they face a financial crisis in between paychecks. With no money in savings and having numerous friends and family members without jobs or also living on a tight budget, they feel there is nowhere to turn. In some cases, people become so stressed that work production and performance are affected, which means their job could be at risk. Instead of people fearing the worst, they need to know that a pay day loan can help if through the right lender and used for the right reasons.

Although some people take out a pay day loan for frivolous purposes such as a vacation, throwing a party, or even shopping, which is fine, a payday loan is actually more beneficial when used for difficult financial situations. The reason is that typically, interest rates are higher than with a conventional loan so it would make more sense for the vacation, party, or shopping adventure to be postponed until the person has the cash. On the other hand, if a person needed quick and easy money for a car repair, medical bill, utility bill, or some other need, a pay day loan offers a viable solution.

According to the president of the Economic Policy Institute, the labor market is unraveling and soon, unemployment is likely to hit 10%. Sad as this may be, experts still believe this situation is only temporary and that within a year or two, things will begin to turn around. However for immediate financial needs, even full-time employees are struggling. It seems that when something goes wrong, it is usually just after or weeks before payday, which is why having a means of getting $100 to $2,500 through a payday loan is so great.

Another scenario in which a pay day loan helps is for people that have lost a full-time job and while still searching, have only been able to secure part-time employment. In this case, if something unexpected happened and the person needed a few hundred dollars to get by, the payday loan would provide that person with the money needed. With a 30-day payoff schedule, the individual has enough time to pay the loan in full but if additional time were needed, again, most online lenders offer an extension.

Currently, jobs are available for health services, education, and governmental positions so if someone who had lost one job but was hired for another and then found they had an emergency arise, the pay day loan would also be a viable solution. Even if the person had only been on the new job a few weeks or months, as long as there is proof of steady income and a checking account in good standing, the loan would be approved. Unlike conventional loans where the applicant would be required to be on a job a minimum of six months, the payday or cash advance loan is different.

The good news is that the majority of people that apply for a pay day loan are approved. Again, as long as they have steady income and a bank account without a history of insufficient checks, the loan would be approved. To maintain dignity, going through a reputable online lender allows complete privacy by handling everything from home. While getting a pay day loan is possible through a local money lending company, this also means standing in line with other people, which for some is an embarrassing and demoralizing situation.

Although a pay day loan would be paid by the individual?s next paycheck, the tough part trying to deal with a financial hardship in between paychecks. For instance, if a person?s car had a radiator leak but this was his or her transportation for work, obviously getting the problem fixed would be a priority. With a pay day loan, the person could take out the money needed, get the car fixed, and miss very little or no work.

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