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By: FilipeAlvesFerreira

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When it comes to credit card debt help you have got to be very careful. Because credit cards are so convenient and so widely accepted, getting yourself into trouble and over your head can quickly become a problem. In no time you can easily find yourself in need of credit card debt help. If that is your situation there are a number of things you can do. We can take a few moments to get an idea of exactly what kind of credit card debt help will be the right way for you to go.

1.) Credit Card Balance Transfers

You may find that a credit card company offers you a credit card at a lower annual percentage rate than other cards you already have with existing balances. For example, you may have two cards with interest rates of 17.5 percent and 19 percent, and each may have a balance of $1,200. A new card offer might give you the considerably lower rate of 12 percent, so transferring your $2,400 in balances to the new, lower-rate card would make sense. But, you should make sure that the new rate is not only a short-term promotional rate. In many cases, these low rates have an expiration date at which time the rate will increase. If you seek credit card debt help through the balance transfer option, make certain you know when the promotional rate expires and what the subsequent long term rate will be.

2.) Debt Consolidation Loans

Many people think that a debt consolidation loan is the best way to get long term credit card debt help, but that isn’t necessarily the case. There are a number of issues to be concerned about when considering a debt consolidation loan. In many cases a loan might significantly reduce your overall monthly payment, perhaps even to as little as half of what you’re currently paying, but this reduction in monthly payment can come at a big price. A higher overall annual interest rate. How can a loan at a higher rate reduce your monthly payment? By stretching out the payments over a much longer period of time. In the end, you actually pay much more in total payments than if you had simply stuck with your credit cards.

3.) Credit Counseling Agencies

If you seek credit card debt help through a credit counseling company, they will work directly with your creditors to reduce your interest rates and, in some cases, your actual principal balance. Rather than pay off your credit card companies completely, the agency will collect your payment and distribute the funds to the lenders under an agreement that they negotiate. For their service, the agency will receive a fee, either from the consumer or from the creditors. Either way, using credit counseling for credit card debt can keep your accounts in good standing with your credit card companies while reducing the total amount you have to pay each month.

If you’re in need of credit card debt help, consider the advantages of disadvantages of three common ways: credit card balance transfers, debt consolidation loans, or credit counseling agencies. You can do it, just take action and before you know it you will be on your way to a debt free life.

 



By: Emily Onedge

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LIQUIDITY MANAGEMENY SYSTEM

Introduction-

The first thing in liquidity management is managing the cash in hand. This basically constitutes of the cash that is usually kept at home for emergency. This comes handy, in case of instant hospitalization, where you have to pay money at the time of admission.

Though the amount kept as cash-in-hand will vary depending upon the number of family members and the expected requirements. However, a minimum of Rs 25,000-30,000 is essential because it is the bare requirement in most situations. This provides an element of safety for the individual. It is very important that this amount is kept away from daily expenses and if used, replenished quickly.

What is Liquidity?

We often hear the word liquidity used in combination with cash management. Liquidity is a firm’s ability to pay its short-term debt obligations. In other words, if the firm has adequate liquidity, it can pay its current liabilities such as accounts payable. Usually, accounts payable are debts owe to our suppliers.

There are methods we can use to measure liquidity. Financial ratio analysis will help us determine how liquid firm is or how successful it will be in meeting its short-term debt obligations. The current ratio will help us determine the ratio of current assets to current liabilities. Current assets include cash, accounts receivable, inventory, and occasionally other line items such as marketable securities. We need to have more current assets than current liabilities on our balance sheet at all times.

The quick ratio will allow determining if we can pay your short-term debt obligations, or current liabilities, without having to sell any inventory. It’s important for a firm to be able to do this because, if we sell have to sell inventory to pay bills that means we have to find a buyer for that inventory. Finding a buyer is not always easy or possible.

There is various other measure of liquidity that you will want to use to determine our cash position.

When your business is just starting up, we essentially run it out of a check book, which is an example of cash accounting. As long as there is cash in the account, our business is solvent. As business becomes more complex, we will have to adopt financial accounting. However, we have to keep a focus on liquidity and cash management even though our track net income through financial accounting.

Importance of liquidity management-

Regardless of the type of company, effective liquidity management is a core responsibility of its treasury group. Within a financial institution’s treasury, it is critical. Core revenue generating functions of banks “capital markets, lending, payments, etc. ” depend on sufficient levels of liquidity to operate. Further, as the financial world has become increasingly global, were a bank to have insufficient liquidity to fund a time-sensitive CLS payment or to finance lending activities (think Northern Rock), the ripple effects would be felt across the globe and the reputation of the institution would be seriously, if not irreparably, damaged. With these critical responsibilities, the ability of a financial institution’s treasury group to minimize idle balances and identify all cash flows is essential to its success.

Beyond the relationship between liquidity and the revenue generating functions of a financial institution are the costs resulting from inefficient management of it. Manual processes require excess staff, are prone to error and limit treasury’s ability to focus on optimizing liquidity and other strategic responsibilities. Further, much of the information required for the liquidity management process exists across multiple, disparate systems, in batch form and is typically not available in real-time. This results in the inability to quickly identify the lowest cost of funds, resulting in increased interest costs. Additionally, these results in the need for treasury to maintain a liquidity “cushion” to ensure liquidity levels do not drop too low.

The Liquidity Management Process -

Effective liquidity management requires three-steps in which treasury identifies, manages and optimizes liquidity. These steps are interdependent, each requiring the successful implementation of the other two to optimally manage liquidity.

Identifying liquidity is the foundation from which the entire liquidity management process depends. It involves understanding the balances and positions of the institution on an enterprise-wide level. This requires the ability to access and gather information across the institution’s many lines of business, currencies, accounts and, often, multiple systems. Identifying liquidity is primarily a function of data gathering, and does not include the actual movement or usage of funds.

Managing liquidity within a bank’s corporate treasury involves using the identified liquidity to support the bank’s revenue generating activities. This may include consolidating funds, managing the release of funds to maximize their use, and tasks that “free up” lower-costing funds for lending or investment purposes to maximize their value to the institution.

Optimizing liquidity is an ongoing process with a focus on maximizing the value of the institution’s funds. As the strategic aspect of liquidity management, optimizing liquidity balances requires a strong and detailed understanding of the financial institution’s liquidity positions across all currencies, accounts, business lines and counterparties. With this information, the bank’s treasury is able to map the strategic aspects of the institution into the liquidity management process.

The biggest challenge in the liquidity management process is the limited time and resources available to treasury. Although treasury groups are staffed with very capable personnel, a large amount of their time is spent on the task-based function of identifying liquidity instead of on the strategic elements necessary to optimize balances. This results in the entire liquidity management process being less efficient and affects the institution’s bottom line.

Basic steps for liquidity management-

How companies are implementing steps to improve their liquidity management using these three steps:

1. Improve visibility with centralized payment workflow & approval

2. Reduce costs with electronic execution of payments

3. Reduce fraud and erroneous payments

The economic downturn is affecting how financial institutions manage liquidity in a number of ways. It has particularly affected the liquidity of financial instrument portfolios, which now need to be thoroughly reappraised.

If this is our situation regarding liquidity management-

Liquidity management procedures are inadequate, and restrictions are obsolete and prevent business from going forward The existing level of control over liquidity and cash flows is no longer sufficient Additional volume of liquid reserves needs to be attracted to close the liquidity gap Liquidity contingency plans are not realistic in the current market conditions Fair value and maturity of assets as well as conditional liabilities that could materialize in the current environment need to be identified Quick decision making often fails to follow the even faster economic environment The end-of-the-day report, uploaded from the IT system, is always late ALM and risk management teams fail to collaborate How to Maximize Your Cash Flow-

Our goal, as the owner and manager of a company, is to squeeze all the cash out of balance sheet that we can. Not only have we wanted to get as much cash out of our company as we can, to keep it out in case of a potential or actual crisis.

Two of current asset accounts are usually big drains on cash. They are inventory and accounts receivable. Inventory is the products you sell and accounts receivable are our credit accounts or those the accounts that represent the credit extend to customers. The balances in both accounts need to be converted to cash as soon as possible.

We can use financial ratio analysis to check out our position regarding inventory and accounts receivables. Inventory turnover ratios can tell us if our inventory is obsolete or if we are selling so fast our stocking out. Accounts receivable ratios, such as day’s sales outstanding, can tell us how fast our credit customers are cleaning up their accounts among other things. Once we determine the position of our inventory and receivables, we can take the appropriate actions to adjust the situations and have more cash coming in to the firm.

Conclusion-

The bottom line to good cash management is that, in a crisis, typical financial statements become irrelevant and all that is important is surviving from a cash point of view. In a cash crisis, such as a recession, a business owner’s focus becomes, by necessity, very short-term. Often, a cash crisis will instill good cash management practices into business managers that carry over from that day forward.

References-

Alexander, Carol et al. : Risk Management and Analysis. Bessis, Joel : Risk Management in Banking. Brockhaus, Oliver et al. : Equity Derivatives and Market Risk Models. Modeling and Hedging Equity Derivatives.

By: chinmoy ghosh

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Attention! Do you know that many Americans are currently drowned in credit card debts? Below are the 10 must-do things for rescuing the financial situation.

1. List down all your credit card debts with the outstanding balance, interest rate, minimum payment, payment due date and credit limit for each card. This will give you a clearer picture on how much you owe in total.

2. Start making extra payment for the card which contains the lowest balance. This method will definitely assist you to get rid of your bills faster.

3. Then start tackling the card which comes with the highest interest rate. At the same time, make minimum payment for the rest of your bills. This will help to reduce your financial burden in the long run.

4. Start negotiating with your banks or credit card providers for lower interest rates. This will help you to pay off your debts faster

5. Plan your monthly budget properly and it is a need for you to cut down some of your unnecessary expenses, especially on luxury items. Save as much money as you can to make more payment for your cards. This will assist you to reduce your outstanding balances faster.

6. Make sure that you don’t create any additional debt from now onwards. Never apply for new credit cards or new loans until your current debts are clear. Make sure you are disciplined enough to stop using your cards for purchasing products or services.

7. Since you are fully aware of your payment due dates, you are reminded to make your payments on time in order to avoid late charges.

8. If you are currently having a saving account or fixed deposit account, you are advised to withdraw the money to erase your credit card debts first. In order to reduce the debt amount, you are encouraged to go for debt settlement.

9. When you are facing huge debts, changing your current lifestyle is a must. You are encouraged to take up part time job to generate more income to reduce debt. You are also advised to find ways to save some daily costs.

10. If you are really poor in managing debt, you should consider obtaining professional assistance. Look for reliable financial consultants or debt settlement companies to assist you.



By: Jeslyn Jessy

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If you have ever fallen behind on your credit cards you know that dealing with bill collectors can be an extremely frustrating and stressful experience. Government legislation such as the Fair Debt Collection Practices Act has forced the collection industry to clean up its act but many collectors will still say almost anything to get a delinquent account paid. If you are thinking about joining or are already in a Debt Settlement or Debt Reduction program it is important to know how to effectively deal with creditors and collection calls.

The most important thing to understand is that the Debt Collector on the other line is just doing their job. At the end of the day, most collectors are getting paid depending on how much they can bring back in on delinquent accounts. Review the Fair Debt Collection Practices Act (FDCPA) to learn the difference between acceptable means of collection and tactics that are illegal. If you are thinking about joining a Debt Settlement Program it should be comforting to know that there are some effective ways that most companies can help stand between you and the creditors. Although no company can guarantee that you will not receive collection calls, most companies include creditor support as part of the program they offer. Debt Settlement and Debt Reduction companies have two different approaches when it comes to handling creditors, proactive and reactive.

In the world of Debt Negotiation and Creditor communication, proactive means that a Debt Settlement Company won’t wait around and do nothing until their clients start getting creditor calls; they try and address the issue before it even starts. Usually the first communication to the Creditors from the company will be a Cease Communication Letter. These letters are to let the creditor know that the company is now the main contact for the account and has a Limited Power of Attorney to represent the client. Basically from this point forward all communication must first go through the negotiation company. A Cease Communication or Cease and Desist Letter can be an effective means of reducing creditor calls from third party collectors and in some cases original collectors. As a third layer of protection some Debt Settlement Companies can employ the service of a Consumers Union. The Consumer Unions’ sole purpose is to represent and advise clients who are getting an unusually high volume of collection calls. Some companies will also recommend that a client change their address and phone number on file to the Debt Settlement Companies Customer Service Department. This can help with creditor harassment and also keep the company aware of the accounts status.

Whether you choose to utilize Debt Settlement or decide to handle the creditors on your own, remember that it is not easy to reduce or make arrangements on a large unsecured debt amount. The process is not painless; it takes patience, determination, and a lot of hard work to get out of debt. Do the best you can to not take creditor calls personally and remember that they are paid to be persistent.



By: Adam Jasa

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credit card debt