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The Difference Between Options and Futures


Online Trading has been growing very popular with lots of information and guidance available in the Internet to learn trading quickly and to make quick profits even with a minimal knowledge. Above all, most of the trading firms offer advanced and user friendly interface for online trading.

Options and Futures are two popular product concepts in online trading, to people who are new to trading both may look the same but both have a significant difference.

With options, the buyers have a restricted risk and a huge profit potential as they can place an obligation to buy an asset at the premium they are looking for, hence the name options, on the seller’s part they can’t sell beyond a limit and so their profit is capped and hence they face risk with chances of losses.

With futures, there is more flexibility for the sellers to sell the asset at a future date, with a fixed price of their choice at a future date and same with buyers too, they can buy an asset at a price in a future date and hence the risk is almost even on both sides, with sellers and buyers agreeing upon the price of an underlying asset on a particular day known as settlement day.


Managing Finance during recession


After the world trade increased and several countries opened up their market, since then the global economy has faced several booms and surges and whenever there is a dip, the problems would be devastating with stock markets crashing, millions of people losing jobs, becoming paupers overnight, Govt. becoming bankrupt and such adverse economic effects.  The recent global recession which began in US was one of such incidents.

No manager would have expected the recession that rocked US economy in his wildest dreams. The effects of the depression are now slowly receding into history and the economy is showing signs of progress with business volumes and international trade picking up slowly but steadily. The biggest challenge for any organization will be to manage its finance during a recessionary period. It is quite possible all or at least a majority of the debtors to have gone bankrupt. Business would have dried up since domestic demand would have fallen drastically hitting all forecasts of sales revenues.

To handle finances efficiently during recessionary period all that a manager has to do is to ensure that only necessary and warranted expenses are spent for. Luxuries are to be hived and the organization should adopt a lean system of management where waste is negligible and financial transactions are carried out with maximum credit period available. It will also be wise to revise the credit period allowed to debtors as longer debtors collection period would result in a bigger risk of accumulating bad debts. Further, the organization should also consider scaling down its operations where it produces just enough inventories to meets its existing demand without stepping out of its comfort zone. One thing is people should not compromise on their basic survival needs and expenses for that and spending for it will help the economy to revive on its own.


Debt Forgiveness Program: How to Get Out of Paying Your Student Loans


People enjoy to the fullest all the credit options and credit facilities offered by financial institutions based on their earning and repaying capability, but the aftermath of it when it all grows and becomes a debt burden they look out for these things to come out of that debt burden, namely, a debt consolidation, buying more time for repayment and bargaining to reduce the interests. Here is one more option and that is Debt Forgiveness which may not be available for all debts, but when available people need to make use it.

Direct Federal loans are eligible for a Debt forgiveness program and the additional eligibility are that the person should be working in a Govt. or non-profit organization making a consistent amount of on time 120 payments towards repaying the student loan obtained and then should look for a plan under which debt forgiveness is available and apply through that this makes you to get out of paying your student loans, at the same time the limit of forgiveness depends on the repayment plan and Govt.’s forgiveness permissible limits at that point of time, and it is advised for people to make use of it as and when it is available and when they are eligible, because there are many uncertainties about the future of the program.