STORY LINK Pound Euro Exchange rates - GBP EUR Down Despite UK Public Borrowing Figures Down

The Pound Euro currency rate GBP EUR is trading at 1.5624, down 0.3% The Pound Dollar currency rate GBP USD is trading at 1.56555, up 0.14%.
The Pound Australian Dollar currency rate GBP AUD is trading at 1.58687, down 0.04%. The Pound New Zealand Dollar currency rate GBP NZD is trading at 2.09129, up 0.21%.

The Pound to Euro exchange rate has seen a decline today, despite the UK public borrowing figures released this morning by the Office for National Statistics.

International 10 year bond costs have fallen across the board, with Italy and Spain now at 6.6%.
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*Note: This was written by a Yahoo! contributor. Do you have a personal finance story that you'd like to share? Sign up with the Yahoo! Contributor Network to start publishing your own finance articles.

COMMENTARY I can honestly say I have never in my life owned a debit card. I know a lot of people use them instead of credit cards, and they really are more like cash. But I am addicted to the "points" that credit cards offer. And because I always pay my balance in full at the end of the month, it's like the credit card company is paying me to use their card.

And now that Wells Fargo is testing a $3 monthly fee to use their debit card, I'm even happier with my decision. But the problem is, there are some people who have to use a debit card and don't qualify for credit cards, like my 16-year-old son. I don't want him carrying around a wad of cash for gas and sodas, so I signed up for a prepaid card through my bank. I automatically transfer money from my credit card to the account every month. That's the rub: this monthly transfer costs me $2.50 each time.

How to Avoid Getting Hit with Debit Card/Prepaid Card Fees:

Ask questions. Nowhere on the prepaid card website could I find information on transaction fees. I finally figured out I was charged $2.50 when I got my credit card bill. I'm sure it was there somewhere, but not anyplace very obvious. So find out from the bank exactly what the fees will be ahead of time.

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MUMBAI (Reuters) - India's biggest private lender ICICI Bank ( ICBK.NS ) is open to buying loan portfolios of European banks, its chief executive said, as banks in the region look to deleverage and offload loans to shore up capital base.

"The opportunity to pick up some good assets at good pricing clearly exists. So, that's what we are looking at all the time and exercising it whenever we see the right opportunity," Chanda Kochhar told the Reuters India Investment Summit on Wednesday.

"We have picked up some which are India-related assets, but I would say not very large number, because given the fact that on the other hand the ability to raise funds currently has also become more expensive," she said.

European banks are struggling to raise their capital cushions to become more resilient against future shocks, which they can do by increasing equity they hold or by shrinking their asset base.

The European Banking Authority has said banks need more than 100 billion euros of new capital, but the International Monetary Fund warned in September EU banks faced possible losses of 300 billion euros as a result of sovereign and interbank lending risks.

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Besides meeting Santa himself in Rovaniemi, the capital of Finnish Lapland, a visit to his post office at the Santa Claus Village is a must.

At the main post office at the village you can see Santa's desk and all the letters that he receives from all over the world - Santa gets more letters than anyone else.

On the blackboard behind his desk it says that each Christmas Santa receives more than 700,000 letters.

Due to the volume of correspondence, Santa employs elves to help him. So far the elves have found that Santa has received letters from nearly 190 countries.

Most letters come from the UK, Japan and Poland, but Santa has also been getting letters in recent years from China, South Korea, Argentina and many other places.

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While Black Friday and Cyber Monday promotions tend to capture the spotlight during the holiday shopping season, consumers looking for excellent deals might find that cash back credit cards offer as good, if not better promotions than so-called "door-busters".

This holiday season a number of major credit card companies are offering consumers substantial cash back sign-up bonuses of up to $200 that can go a long way in reducing holiday credit card bills. Other credit card deals provide slightly lower sign-up bonuses, but 0% interest rates that can prevent the cost of holiday gifts from escalating for those who need a little extra time to pay off expenses.

Here are noteworthy deals worth considering:

1.) Citi Dividend Card with $100 Cash Back : While not the largest cash back deal available this season, the Citi Dividend $100 cash back offer is an ideal card for consumers who will be paying off holiday purchases over time as well as for those who currently have high rate balances on their credit cards. The Dividend card offers a 0% interest rate for 15 months on new purchases and balance transfers . This intro period can be used to pay down existing balances as well as to prevent new purchases from racking up interest. Plus, consumers who spend $500 within three months get a $100 cash back reward on top of the 1% to 5% that can be earned year round.

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He added that DMO has over the past two-and half years wanted to have a medium term strategy to build on the other initiatives over the years to ensure that the country's public debt management remains or becomes one of the best in the world.

'You will recall that as far back as 2008, we developed national debt management frame work and associated guidelines.'

Nwankwo said that in the last four years, the DMO, in collaboration with the West African Institute of Financial Management and the World Bank, established a debt sustainability office.

He added that the idea of the MDTS was to enable the country to move to the next level, considering what is being witnessed in global public debt management.

'The need for it has become even more imperative given the development in the global economy and given that in the next two years, the global economy will be dominated by concerns about public debt management and national debt management in general.

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You will be hearing a lot about Lori Tharps on NewsWorks in the coming months. That's because this Mt. Airy woman somehow finds time to excel at many things.

She has a new novel about the tribulations of trying find a nanny, She once appeared on the Tyra Banks show to talk about bad hair days and later this month she will participate in a parenting panel hosted by WHYY.

But for now, I want to introduce you to Tharps the cook. WHYY profiled Tharp on its nutritional cooking website FIT earlier this week. She stood out because she explores race, culture and identity through food. In this profile she prepared Jamaican curried chicken and explained, "When we are talking about a Caribbean dish the Caribbean was an amalgamation of cultures "African, Indian and Asian, but when you talk about curry powder from the West Indies its usually turmeric, coriander, ginger and salt. It should be yellow, though, if it's not yellow it's probably not a West Indian curry."

You see what what I mean? It's like Ten-thousand Villages meets Kitchen Kapers in Mt. Airy. Check out our profile of her here.

You can find out the many other sides of Lori Tharps on her website. 本文出自 Mr.J ....
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Short selling will damage the credit for 24 months, and Fannie Mae guidelines state that the seller is able to receive a new home loan is as little as 24 months from when the short sale was closed. On the credit report, the short sale will report as a debt settlement, not a foreclosure. Foreclosure will also damage the credit. However, most lenders will not lend to a homeowner for at least 10 years after the foreclosure. In addition, the credit report will read "foreclosure" and this will most likely affect the homeowner's ability to get any type of financing for many years, including credit cards, auto-loans, and of course, home loans.

Additionally, in most states, completing the short sale will give the seller the best opportunity to walk away without owing the bank anything. In fact, some states have passed new laws making it illegal for banks to pursue the seller after the short sale is completed - CA has passed such a law. Most of the time, this law is not applicable through foreclosure (like the one in CA). Many people believe that foreclosure will hurt their credit but at least they are off the hook for the loan amount - nothing could be further from the truth! A foreclosure will most likely result in bad credit AND a deficiency judgement and the bank pursuing the homeowner for a lot of money!

Finally, there is the privacy issue. A foreclosure involves a public notice and a public auction. Notices will placed on the door, bank representatives will come to the house, and the bank will call you over and over again... and they will not be pleasant. In fact "just walking away" is going to be more stressful than anything else!

We understand that this is an emotional time, and, more often than not, the seller has been wronged in some way by their lender. However, we must set emotions aside, and make the best decision for the future. When looking at the facts, short selling a property vs. foreclosing is always the best move! If you procrastinate the decision can be taken out of your hands and the lender will opt for a foreclosure. Don't let someone else decide your fate, do your research and decide which route is best for you.

You can about the CA law by searching for California Senate Bill 931, Section 580(e).本文出自 Mr.J ....
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Why is behavioral assessment necessary?
A real case study performed by consulting firm KPMG International on 700 most expensive international mergers and acquisitions between 1996 and 1998 reflected that only 17% of the deals actually added value to the combined company. While 30% of the mergers and acquisitions had no impact on the new entity, the remaining 53% actually destroyed shareholder value. Similar results were found by Harvard Business School, in a survey conducted during 1995-1996. The following charts reveal studies done by CGE&Y and Merrill Lynch, which convey very low success rate of mergers and acquisitions. The studies also showed that larger deals tended to underperform smaller ones in terms of share price after the announcement of mergers and acquisitions.

Among the various causes of the failed M&A is the failure of employees at the merged company to perform to the expected level. The primary reason for this disappointing employee performance in the new company is the cultural mismatch and differences in behavior and values of the employees of both the companies.

An organization benefits from implementing behavioral assessment and values assessments, since these tools allow an in-depth study of the employees. They also help assess the various factors that affect the employees' ability to work towards the new firm's goals.

How does value and behavioral assessment assist a merged entity?

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It would appear that there are many unhappy ex-distributors of this established MLM company's products, and there are a lot of them online in blogs and forums bemoaning the fact that their home business did not make money with the company. Possibly if they had joined this long established MLM business 30 years ago, they would be singing a different song, as today 85% of this company's $3.5 billion dollar annual earnings is shared between their top earners, and those top earners were probably wise enough to jump into this opportunity a long time ago.

The vast percentage of their distributors are doing very nicely thank you. They are reaping the rewards, while it would seem that any new recruit into the business has a considerable, if not impossible, amount of work to do to earn any substantial amounts of money. Nevertheless, that can be true with any network marketing business, unless you roll your dice right and get in on a solid new MLM company's pre-launch, or join up right at the beginning.

Signs on poles around towns and cities offer their Opportunities, and I often wonder if the company condones this tactic. The ads are up there with Yard Sale signs and lost dog posters - not very impressive or enticing, despite saying you can make $5500 full time. Sure, perhaps your home business could achieve that amount, but you would have to be an exceptional salesperson and prepare to wait for a few years to build a solid downline.

Looking at the figures, it appears that many people do make money with this company; the other 15% of their multi-billion dollar earnings goes to a network of two million distributors across 70 countries worldwide. You do the math - it averages out to a whole lot of nothing if you take your time, gas and everything else into consideration. The people shouting Herbalife scam were at some time part of that 15% no doubt.

Something that new distributors are told is that they "don't even have to know how to sell". Sorry, that just isn't true. The whole premise of a home business involved with network marketing is that you are looking to make commissions from sales, and that involved selling. If you have no idea how to sell, sorry, you will be fighting an uphill battle.

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Recently, I attended a lecture by Anthony Grasst, a very astute MBA who runs a mortgage division of MetLife. It was gratifying to hear words of wisdom that offered another view of our economy besides the doom and gloom one hears on the radio waves or sees on the tube.

Graast explained that the job losses after the dot.com boom/bust and 9/11 was, if not worse than we are having now, at least comparable.

According to E-commerce News, 2001 went into the record books as the most devastating year in terms of Internet jobs lost.

In an article released in 2002, "For the year (2001), 100,925 positions were cut -- about 250 percent higher than the 41,515 cut during all of 2000, when the dot-com shakeout began in earnest."

Figures were much higher than that according to ComputerWorld.com, spanning many sectors and totaling over 2 million job cuts for 2001.

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STORY LINK Foreign Exchange Rates : Currency Predictions - GBP, USD, EUR, ZAR

POUND STERLING

Poor UK housing data and moves in favour of other currencies have added up to a poor day for the Pound. Tomorrow could see some improvement with the Chancellor of the Exchequer announcing expansionary policies and a credit easing scheme for the UK economy. NEAR -TERM OUTLOOK - NEUTRAL.


US DOLLAR - The Pound Dollar exchange rate (GBP USD) is 1.5535

The market has turned against the safe-haven Greenback on the day, as panic levels receded in global markets. This saw the GBP USD exchange rate jump by over 0.50% on the day, with the potential for further gains tomorrow if Asian share markets follow the lead set by their European counterparts during today's session, in making significant advances. NEAR-TERM OUTLOOK - NEUTRAL TO NEGATIVE.
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