Archive for the ‘presentation’ Category

Prepare your business for the future – use valid CSS and HTML November 13th, 2009

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The fact that your financial website is rendering just fine on all current browsers is no guarantee that a business site that contains invalid markup will as render fine in the future. What is more, there are no guarantee that your website will be displayed fine (or at all) in the constantly increasing number of non-traditional devices such as PDAs and mobile phones. As companies involved in the browser business make further efforts to make their products compliant to web standards, the issue of “rendering fine” in specific browsers becomes moot, anyway. Standards-compliant markup your financial website will be even more of an assurance that it will work properly on every platform in contrast to error-laden and proprietary markup.

Designing your real estate or loans website to the current level of standard indicates your website should be marked up using the so called XHTML – an XML-compatible version of plain old HMTL. If you resort to this format will allow your business to venture into the inevitable world of XML without the necessity for any significant alterations of your financial site’s structure. XML features can be added without much time and effort involved.

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Make money with web standards conformance of your site November 9th, 2009

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Designing your financial website with conformance to current standards means that – by proxy – the documents will be smaller. As a result, the pages will be displayed much faster for the users seeking data on latest currency values and loans interest. Moreover, download times have proven to be an important factor in usability of financial websites. Users often look for latest financial information (for example from stock exchange) and any perceivable delay will harm the evaluation of your website. Users tend to rate sites with slow financial data display as less interesting and offering lower quality content. Additionally, they claim that delays tend to severely interfere with task continuity, their ability to remember financial details from your site, and use flow. Really slow display of stock market information can lead users to believe some kind of error has occurred. Finally, users correlate site performance and security: financial sites that are constantly slow are considered to be less secure resources, and this is extremely important if you deal with matters such as banking, loans or forex.

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Differences between short-term and long-term loans November 4th, 2009

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2A simple approach is to differentiate between short-term and long-term liquidity constraints and the reasons leading to the constraints. If deteriorating fundamentals are the driving force, an indepth credit analysis should specify the point in time when a company will run out of cash. The thing an investor has to decide is whether current trading levels compensate sufficiently for the uncertainty of improving fundamentals and hence the ability to preserve enough liquidity in the long term.

If litigation (e.g. asbestos, tobacco) forces a company to trade at distressed levels, usually short-term liquidity is in place so that the risk of an imminent default is low. If a company cannot resolve its litigation issues in the long term, bankruptcy is then a probable scenario.

Accounting fraud is accompanied by the most severe price movements. The analysis of sources and uses of cash will help to determine the recovery value. Of course, it is in such cases almost impossible to find a reliable fair value of the company’s debt so that enormous price swings in the bond prices can be expected on a daily basis. Equity value will converge towards zero within a short period of time.

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