Archive for the ‘credit score’ Category

With credit you have to move away from independence March 23rd, 2010

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46Finally, as you move into the Perform stage, you begin to feel an increase in Comfort with Interdependence with your partners. You must learn to move away from being independent and begin to think as much about your partner’s success as your own. You must begin to consider consequences your decisions have on your partner and learn how to dance a tango in perfect rhythm—not an easy task for people who live in a culture that values its independence.

Partnering isn’t easy. In fact, it is probably the hardest work you’ll do. Moving effortlessly through the Stages of Relationship Development happens only in an ideal world with perfect human beings. But human beings aren’t perfect. I confess I’ve made many mistakes in my partnering efforts.

But I understand that if I want a good partnership, I need to work to be a good partner. Even the best blueprint for  partnering—such as the Partnership Continuum model—cannot make up for a low PQ. The model works only as well as the people who are using it. And while using a blueprint is better than just letting your partnership evolve through happenstance, it is the individuals in the partnership who must have the skills to make it work.

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Minimizing credit risk is necessary November 24th, 2009

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74The developments in credit markets since 2000 have shown that a disciplined approach to minimize risk is necessary. This includes the determination of stop-loss marks which have to be defined on a caseby- case basis. Important is the volatility of the particular bond and the risk profile of the portfolio. Aportfolio with a high-yield benchmark will be able
to take the highest volatility but a buy-and-hold strategy is also not compatiblefor such a portfolio if a specific bond has to suffer a huge price loss.

The price mechanism of Fallen Angels and high-yield bonds requires disciplined stop loss marks. Fallen Angels tend to trade on very wide levels prior to a downgrade in high yield but a downgrade will usually induce another sell-off in the bonds so that a significant price fall will occur.

Besides fundamental facts, technical factors play an important role and current risk appetite of investors determines basically a floor for the Fallen Angel. If new buyers arise upswings in price can be significant, supported through positive credit news.

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Expand your business with web standards conformance. November 15th, 2009

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44Web standards allow you to increase the searchability of your financial sites. Google has been dubbed the greatest blind user out there on the web, because it (as well as other search engines) are particularly partial to indexing standards-compliant sites.

Break the “build, break, re-build” cycle. It is important to ensure forward compatibility of every website regardless if it concerns loans, real estate or money in general, with any new browser releases: your CSS-based financial site will be displayed accurately in future versions of today browsers. With table-based sites you never know what may happen. Along with the constant evolution of (standards compliant) browsers the performance of non-standards sites decreases. This phenomen is often described as “perpetual obsolescence”.

You can also save money by simplifying your design requirements. Compliant financial websites have an improved chance of rendering properly on all resolution and monitor sizes, while still maintaining design integrity that was originally intended for them.

Not only can you improve your income but also accquire some good publicity along the way. Creating an attractive, well-functioning and standards-compliant financial website is becoming the benchmark of good design and development of a successful company.

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How proper CSS & HTML coding affects your online business November 4th, 2009

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Currently Internet witnesses increased complexity around content management systems, accessibility, rich internet applications (RIAs), mobile, application frameworks, syndication, and other multiuse channels, each of which may require to display the presentation of financial information – or a lack of any presentation information – associated with it. In the face of this requirement, most off-the-shelf software packages are damaged by terrible UI practices, not to mention financial and money management software created individually by developers who don’t know any better. Starting with substandard WYSIWYG (what you see is what you get) editors in many popular content management system (often used to display financial data about loans or currency values) to server-side frameworks that create code for users, the UI problems are present in all places.

The good news is that a great deal of current UI issues are almost as fixable as they are pervasive. Although the majority of people involved in the industry believe them to be inherent to Web development, the reality is that they are stubborn relics of bad practices from the 1990s that have persisted into this decade.

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