Month: September 2019

Foundation To Personal Finance Planning And Achieving Financial Freedom

Financial blogger

Even as you are generating wealth you need to find ways of cushioning yourself from losing your acquired riches. Personal finance planning is therefore a crucial element of managing your finances. It is essential to start early when it comes to managing your finances rather than waiting until you have become a millionaire. It is through organizing and budgeting in advance that will easy your way towards achieving financial freedom.

* Keep a record of all your expenditures. Apart from this helping you manage your finances it may come in handy when you need to do an audit of your financial progress in the future.

* An integral element of personal finance planning is negotiation. You should learn tactics of negotiation and hence get the best deals. In addition, realize that you will not succeed in all kinds of negotiation, you also have to be ready to let go and settle whenever things are not going your way. Therefore, this means you need to have tact and know when to seal a deal.

* It is advisable to delegate duties especially when you become overwhelmed with things to do. But try as much as you can not to trust others to sign your personal checks. In case you have no option and have to delegate, make sure the person you choose has shown true elements of trust over a long period of time. All said and done you are the one who is entirely responsible for your personal finance planning and management.

* Nothing in life is perfect hence you should never but your eggs in one basket. Proper personal finance planning calls for you to have several streams of income. Also remember to back up your financial documents. This you can achieve by involving your personal lawyer and keeping a copy of the same documents in a safe deposit box with your bank.

To learn and get more content on personal financial planning and achieving financial freedom follow the links below.

Home Loan Interest Rates In Australia; Financial Advice

Financial blogger

Should someone fix their interest rate in loan if they are buying a house in Australia? That is the financial advice, Australia is asking for. The financial crisis of 2008 made many home owners steer away from fixed loans with only five percent home owners committing to fixing their home loans in 2009 and 2010. But afterward, the percentile increased slightly with eight percent customers fixing their loans by 2011. The number rose to double digits with thirteen percent customers fixing their home loans by 2012.

Before the big bang of 2008, fixing home loans was a common culture because customers used to fear that interest rates would climb too high for their reach and wanted certainty in financial matters. That culture changed with the 2008 melt down.

But those days are gone. As Australia’s fixed rates drop to an all time low, many customers are going for fixed rates in order to get the best and what seems like most reliable deal on the table.

Which type of loan is better for you?

Variable interest rate home loan is an interest rate that changes with the official cash rate of Australia. As official cash rate fluctuates with the international stock market, the interest on your loan would always be, indirectly, tethered to Reserve Bank of Australia. If the rate goes up, so does your loan and vice versa.

Fixed interest rate home loan- you pay a fixed amount of interest on your loan for a pre-decided span of time. So, for the first ten years, you will pay a fixed amount of interest no matter what goes on with the Official cash rate.

Analysis- It may sound like fixed rate is your best bet- well it’s the safest bet. Because even though it is safe and certain, it takes away a lot of margin for profit from the equation and get help from perth financial advisors. If the official cash rate goes down, so does the interest on your loan payment. So, if you are in a fixed interest rate and the cash rate goes really down for a considerable period of time- all your friends with variable interest rate will reap the benefits while you will pay the bank extra money.

Data collected by Australia’s Bureau of Statistics show that 17.4% Australians have fixed their loans up until this July, making this the highest number of fixed rate home loans registered in the past six years. This is due to the fact that three year fixed loans among four largest banks have come down from seven percent to four percent.

This is one of the most sensitive and significant financial advice western australia that will be needed in Australia. With these statistics, we will leave the decision to you. May you live long and prosper!

Cez, A.s. (baacez) – Financial And Strategic Swot Analysis Review

Financial blogger

July, 18, 2014 : Company Profiles and Conferences presents a Company Report on “CEZ, a.s. (BAACEZ) – Financial and Strategic SWOT Analysis Review”, who helps you formulate strategies that augment your business by enabling you to understand your partners, customers and competitors better.

CEZ, a.s. (BAACEZ) – Financial and Strategic SWOT Analysis Review provides you an in-depth strategic SWOT analysis of the companys businesses and operations. The profile is bring to you a clear and an unbiased view of the companys key strengths and weaknesses and the potential opportunities and threats. The profile helps you formulate strategies that augment your business by enabling you to understand your partners, customers and competitors better.

The profile contains critical company information including:

– Business description A detailed description of the companys operations and business divisions.
– Corporate strategy Analysts summarization of the companys business strategy.
– SWOT Analysis A detailed analysis of the companys strengths, weakness, opportunities and threats.
– Company history Progression of key events associated with the company.
– Major products and services A list of major products, services and brands of the company.
– Key competitors A list of key competitors to the company.
– Key employees A list of the key executives of the company.
– Executive biographies A brief summary of the executives employment history.
– Key operational heads A list of personnel heading key departments/functions.
– Important locations and subsidiaries A list and contact details of key locations and subsidiaries of the company.
– Detailed financial ratios for the past five years The latest financial ratios derived from the annual financial statements published by the company with 5 years history.
– Interim ratios for the last five interim periods The latest financial ratios derived from the quarterly/semi-annual financial statements published by the company for 5 interims history.

Highlights

CEZ, a.s. (CEZ) is an integrated energy company. The company carries out business activities related to electricity generation, trading, and distribution of electricity and heat, along with coal mining. The company is a part of CAZ Group, an integrated electricity conglomerate with operations in Central and Southeastern Europe and Turkey. CEZ manages electricity generation facilities as centralized controlling company for CEZ Group. The company operates power plants utilizing diverse fuel sources, including nuclear, coal, hydro, biomass, photovoltaic, wind and natural gas.

Key benefits of buying this profile include:

You get detailed information about the company and its operations to identify potential customers and suppliers.
– The profile analyzes the companys business structure, operations, major products and services, prospects, locations and subsidiaries, key executives and their biographies and key competitors.

Golar Lng Limited (glng) – Financial And Strategic Swot Analysis Review

Financial blogger

July, 25, 2014: Company Profiles and Conferences presents a Company Report on “Golar LNG Limited (GLNG) – Financial and Strategic SWOT Analysis Review”, who helps you formulate strategies that augment your business by enabling you to understand your partners, customers and competitors better.

Golar LNG Limited (GLNG) – Financial and Strategic SWOT Analysis Review provides you an in-depth strategic SWOT analysis of the companys businesses and operations. The profile is bring to you a clear and an unbiased view of the companys key strengths and weaknesses and the potential opportunities and threats. The profile helps you formulate strategies that augment your business by enabling you to understand your partners, customers and competitors better.

The profile contains critical company information including:

– Business description A detailed description of the companys operations and business divisions.
– Corporate strategy Analysts summarization of the companys business strategy.
– SWOT Analysis A detailed analysis of the companys strengths, weakness, opportunities and threats.
– Company history Progression of key events associated with the company.
– Major products and services A list of major products, services and brands of the company.
– Key competitors A list of key competitors to the company.
– Key employees A list of the key executives of the company.
– Executive biographies A brief summary of the executives employment history.
– Key operational heads A list of personnel heading key departments/functions.
– Important locations and subsidiaries A list and contact details of key locations and subsidiaries of the company.
– Detailed financial ratios for the past five years The latest financial ratios derived from the annual financial statements published by the company with 5 years history.
– Interim ratios for the last five interim periods The latest financial ratios derived from the quarterly/semi-annual financial statements published by the company for 5 interims history.

Highlights

Golar LNG Limited (Golar LNG) is a midstream LNG company. It primarily conducts the transportation, regasification and liquefaction and trading of LNG. The company, through its subsidiaries and affiliates, carries out acquisition, ownership, operation and chartering of LNG carriers and floating storage and regasification units (FSRUs) and the development of LNG projects. The company classifies its business into two reportable segments, namely, Vessel operation and LNG Trading. Its vessels operate in Brazil, Indonesia and the UAE. Golar LNG is headquartered in Hamilton, Bermuda.Golar LNG focuses on strengthening its capital expenditure program with asset sales activities.

Golar LNG Limited Key Recent Developments

Feb 28, 2014 Golar LNG: Preliminary Fourth Quarter and Financial Year 2013 Results
Feb 28, 2014 Golar LNG Dividend Information
Dec 02, 2013 SGXNET: Keppel in negotiations with Golar on FLNG conversion contract
Nov 28, 2013 Golar LNG Dividend Information

Gentiva Health Services, Inc. (gtiv) – Financial And Strategic Swot Analysis Review

Financial blogger

July, 14, 2014 : Company Profiles and Conferences presents a Company Report on “Gentiva Health Services, Inc. (GTIV) – Financial and Strategic SWOT Analysis Review”, who helps you formulate strategies that augment your business by enabling you to understand your partners, customers and competitors better.

Gentiva Health Services, Inc. (GTIV) – Financial and Strategic SWOT Analysis Review provides you an in-depth strategic SWOT analysis of the companys businesses and operations. The profile is bring to you a clear and an unbiased view of the companys key strengths and weaknesses and the potential opportunities and threats. The profile helps you formulate strategies that augment your business by enabling you to understand your partners, customers and competitors better.

The profile contains critical company information including:

– Business description A detailed description of the companys operations and business divisions.
– Corporate strategy Analysts summarization of the companys business strategy.
– SWOT Analysis A detailed analysis of the companys strengths, weakness, opportunities and threats.
– Company history Progression of key events associated with the company.
– Major products and services A list of major products, services and brands of the company.
– Key competitors A list of key competitors to the company.
– Key employees A list of the key executives of the company.
– Executive biographies A brief summary of the executives employment history.
– Key operational heads A list of personnel heading key departments/functions.
– Important locations and subsidiaries A list and contact details of key locations and subsidiaries of the company.
– Key manufacturing facilities A list of key manufacturing facilities of the company.
– Detailed financial ratios for the past five years The latest financial ratios derived from the annual financial statements published by the company with 5 years history.
– Interim ratios for the last five interim periods The latest financial ratios derived from the quarterly/semi-annual financial statements published by the company for 5 interims history.

Highlights

Gentiva Health Services, Inc. (Gentiva) is a provider of home health and hospice services. It offers various healthcare services through its two reportable segments, namely, Home Health, Hospice and Community Care. The company provides various patient care services at the patients home or hospital. It specializes in providing services including skilled nursing; physical, occupational, speech and neuro-rehabilitation services; hospice services; social work; nutrition; disease management education; help with daily living activities; and other therapies and services. The company delivers its services directly to patients through more than 550 locations in 40 states in the US.