Author: Juana Baumgartner

Examples of Structured Finance Products
Structured Finance / Us Finance

Examples of Structured Finance Products

- by Juana Baumgartner

Structured finance products are a broad category of financial instruments that provide investors with exposure to underlying assets, typically by investing in a small amount. These products may offer high returns but also come with high risks and costs.

The products can be based on market indices, currencies, commodities, interest rates or a combination of these. They can also incorporate embedded derivatives such as options and futures.

Guaranteed Deposits

A deposit is a sum of money that a customer keeps in his or her bank account. A deposit guarantee scheme protects the deposits of all depositors, regardless of their citizenship or place of residence.

The European Union has harmonised deposit-guarantee schemes since 1994. This is in response to the financial crisis, which showed that bank failures did not stop at national borders.

Directive 94/19/EC requires all Member States to have a deposit guarantee scheme for at least 90% of the …

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Fair Credit Loans Guaranteed Approval
Finance Loans / Financing

Fair Credit Loans Guaranteed Approval

- by Juana Baumgartner

There are many bad credit loan companies out there that specialize in helping people with poor or damaged credit get cash as quickly as possible.

These lenders adjust their packages to suit borrowers with bad credit histories, for example a longer loan term or a higher maximum amount you can borrow. However, the rates may be a little higher than those charged for people with good or excellent credit.

No credit checks

Fair credit loans guaranteed approval offer quick and easy loan applications that are processed online. These lenders offer a range of loan products, including short-term payday loans and installment loans for bad credit.

These no credit check loans can help you cover emergency expenses and make ends meet. They also allow you to build your credit score as payments are reported to all three major credit bureaus.

When choosing a lender, make sure to compare terms and fees. …

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International Business and Finance Jobs
Finance Readings

International Business and Finance Jobs

- by Juana Baumgartner

International business and finance jobs offer excellent career opportunities for those who want to work globally. These careers are in high demand because more and more companies are expanding their operations overseas.

To be successful in these positions, you need to be well-versed in international trade concepts and terminology. You also need to know the underlying financial issues that impact global economics.

Foreign exchange

The foreign exchange market is a global marketplace where one currency is traded for another. These markets enable companies, financial institutions, governments, investors, and individuals to convert the currencies they have into the currencies they want.

These markets are important because they provide international liquidity in a relatively stable environment. They are divided into different segments, including spot and forward markets.

Businesses need to make payments in a foreign currency for products and services they sell or buy abroad, and investors need to invest in assets …

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Top 5 US Banking Stocks
Stock Prices / Us Finance

Top 5 US Banking Stocks

- by Juana Baumgartner

Banking stocks are typically more volatile than other sectors, but they can also have a lot of upside potential. These are companies that offer a wide range of services for both consumers and investors.

Bank stocks are generally favored by value investors because they often pay high dividends and offer a lot of growth in earnings per share over time. They also usually have lower regulatory risks than other types of stocks.

Bank of America

Bank of America is a large and well-diversified financial institution serving consumers, businesses, governments and institutions worldwide. It provides a full range of banking, investment and asset management products and services.

It offers savings and current accounts, investments, lending facilities, credit cards, mortgages and other consumer and commercial financial services. It is a member of the S&P 500.

The company’s operations and management are divided into five divisions: Retail Banking, Commercial and Global Markets, Financial …

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How the Senate Finance Committee Staff Prepares and Conducts Hearings
Department Of Finance / Senate Finance

How the Senate Finance Committee Staff Prepares and Conducts Hearings

- by Juana Baumgartner

The senate finance committee staff oversees legislation that is primarily concerned with taxation, debts and trade. This includes legislative oversight of public employees’ retirement systems and agencies such as the Department of Revenue and State Treasury. It also focuses on preserving Medicare and protecting retirement security, updating the nation’s tax structure with a focus on growth and fairness, and ensuring that fiscal policy supports American jobs.

Preparing for a Hearing

Whether legislative, oversight, investigative or confirmation, hearings share common elements of preparation and conduct. Among the most important are those that govern public announcements of a hearing, critical decisions regarding witnesses, and administrative arrangements.

Frequently, committee rules contain provisions that regulate these aspects of a hearing. For example, Senate rules generally require committee chairs to publicly announce a hearing at least seven days before the date of the public notice.

However, there are a number of exceptions to this rule. …

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