Medium Term Notes for Trading by Matthew Roddan

Medium term notes are used to raise working capital and to improve a company’s balance sheet. Private trading programs are quite popular and banking instruments are popular trading tools. Private trading programs are an investment generating option for individuals and corporates alike, though not many have adequate funds to gain entry into such programs. On the other hand, MTNs could be acquired for larger values at discount and then used in private placement programs, says Matthew Roddan of Project Ninety Nine.

Why are MTNs in demand for PPP or Private Placement Programs as they’re called? MTNs have been around since late nineties, with amounts as less as $10 – a billion, with the current highest values crossing $75 billions! There are more than 6500 private trade programs and even big corporations like Harley Davidson, Sony Capital and LG have offered MTNs collateralizing their assets for development or expansion.

Individual investors, hedge funds and portfolio managers prefer private trading programs and play by the rules, where most of their funds are invested in one or more variants of private trading programs, says Matthew Roddan of Project Ninety Nine.  However not many individuals have large sums and many investors are lured by middlemen who take advantage of their ignorance and exploit them into giving up their funds for nothing using fraud or scams. On the other hand, there are real platforms like Project Ninety Nine where investors can pool their funds and get placed in a genuine private placement program and earn profits, which is otherwise impossible when done individually.

MTNs come in handy as they can be purchased for a discount, so one can get an instrument worth 100 million for 10 million or less. Then, it could be invested in PPPs for the duration (medium term) the instrument is valid (1 – 99 years).  As for firms, PPPs are a way to improve their financial credentials and raise capital. Without MTNs many wouldn’t have a shot at these programs, owing to the high investment required. MTNs are a way to invest in PPPs, though not many know how they work.

It is important to understand that MTN buyers do have rights and should request for POF before buying the instrument. If a potential seller refuses or show POF (Proof of Funds), stay clear from them. Remember MT103/23, MT799/999, MT760, etc. are a type of POFs and there’s no way they can avoid showing the POF.

Do you know as a buyer you have a right to see CUSIP / ISIN of the instrument you are buying?

In most cases, you are talking to a broker or middleman who claims to be a seller’s mandate, but you must understand there could be more than just this person and it could be a long chain before the direct seller or buyer is connected. Always ask how many people are involved before proceeding.

No trading platforms communicate with the end party before requirements are met and anyone claiming otherwise is not to be trusted.

While PPPs or Private Trading Programs or Private Placement Programs are real, it is important to identify the right contacts and resources to get through and make money through these programs. Of you wish to avoid fraud and scams tread carefully.

By Matthew Roddan

Is Money Important? By Matthew Roddan

We’ve all heard the saying “Money can’t buy happiness” several times. Funny how most of our problems are related to money or created by money! Can we really ignore money? Money is a means of exchange and a very essential commodity. Without money there’s nothing one can do today – home, education, food, medical assistance and what not, everything boils down to money.

Right from the time a life is brought into the earth, everything revolves around money. While money is not everything, is does play a key role in our lives and one can never do without it. That aside, what about businesses? Can businesses be commenced or run without money? There’s always a pursuit for money and there’s no denying the fact that enough money can bring one a secured feeling. That’s one reason why many prefer starting their own business, says Matthew Roddan of Project Ninety Nine.

With tumbling economy, many lost their jobs and were left in lurch and succumbed to not being able to manage the change or uncertainty. Even established individuals who had a career for years couldn’t take the hit and look for new opportunities, if at all there were any! By having a business, one can control their destiny and not leave it at the mercy of others – this is one reason that pushes many to start their own business.

It is one reason why many who don’t have the resources for starting a business, look for potential investors or crowd funding to start their dream and take reigns of their future. When potential entrepreneurs have profitable proposals, investors or sponsors are interested in taking the plunge, provided they’re briefed on the possibilities adequately. Matthew Roddanof Project Ninety Nine says that’s one reason why project proposals should be prepared along with financials and statistics to show potential investors. Being prepared is the key to getting funding and Project Ninety Nine brings potential entrepreneurs and investors to discuss on options and take up profitable and potential ventures.

Unlike other sites, this is a real platform where investors discuss and share knowledge and projects that catch their attention are given a thought, analyzed and the site intervenes to come up with a mutually beneficial proposal. In other words, the site stays though the ride and ensures both parties’ interests are taken care of. Handling finances the right way ensures one gets to live comfortably, secure one’s future and what not. Money is a means to an end – one’s security, which influences one’s happiness, freedom and quality of life.

Matthew Roddan

Discounted Cash Flow ~ An Overview

DCF short for discounted cash flow analysis is a way to evaluate a company, project or assets. Cash flows for the future are assumed and discounted considering cost of capital to get the current values. Sum of future cash flows outgoing or incoming is net present value (NPV) that’s taken as price or value of cash flows. Discounted cash flow analysis is used to determine the worth of an investment in simplified terms. It is used in real estate development, investment finance, patent evaluation and corporate financial management.

As Matthew Roddan from Project Ninety Nine says, understanding the probability of risk and profits is very important in an investment decision. Investment decisions are made for profits and understanding what one can expect is very important to determine the suitability of an investment. Exponential discounting is the most common method deployed for discounting, to evaluate future cash flows answering the question – what would be the returns for an investment at a specific rate of return, as against cash flow expected in the future? Hyperbolic discounting is another method, though not deployed widely. Discount rate is the right weighted average cost of capital (WACC) and it reflects cash flow risks.

Discounted cash flow analysis is important for any investor to determine if or not an investment decision is suitable. Let’s look at it this way – consider the investment as a business or a company. DCF is a way to determine a company worth currently, based on calculations for the future. Though this is a useful method, it does have hiccups. Being a mechanical evaluation tool, it is bond by a principle and even simple changes in one value could result in major changes in value. So, instead of determining values for infinity a cap is used – say 10 years. This way, estimation becomes measurable.

Besides, Discounted Cash Flow is a method that uses intrinsic valuation for companies that have predictable flow of cash. It is used for companies that have been around for a while, though it is also used for IT companies that are expected to grow swiftly. This means, when a start-up or developing firm is evaluated, the results could go right or horribly wrong! As an investor, you must be able to weigh your options and prepare for both, says Matthew Roddan of Project Ninety Nine. This way or that, evaluating an investment is important for any investor and determining the right investments is done based on calculations that are probabilities and possibilities, not a definitive. The calculated risk should be something you would be able to manage, irrespective of whether it turns our favorable or not! 

Dubai International Financial Centre By Matthew Roddan

The Dubai International Financial Centre also called DIFC is located in Emirate of Dubai and is a federal financial free zone in United Arab Emirates. Established in 2004 through a decree, DIFC is a sprawling 110 acres. Legal systems and courts are different from UAE, with a jurisdiction over commercial, corporate, employment, trusts, civil and securities law affairs. The main aim of DIFC is to offer a platform for financial and business institutions to enter in or out of emerging marks in the region and to create an ambiance for progress, growth and economic development in UAE by offering adequate infrastructure and legal backing on par with international standards.

Under the constitution of UAE, DIFC is independent judicially with commercial and civil laws different from that of UAE. DIFC laws are in English to avoid ambiguity and DIFC has courts and judges from jurisdictions with common law like Singapore, England and Hong Kong. Though DIFC has independent laws, the immigration rules and criminal law is the same as UAE. DIFC-LCIA Arbitration Centre is modeled after London Court of International Arbitration. DIFC Authority is the main governing body for DIFC and DFSA (Dubai Financial Services Authority) regulate financial services in DIFC, though it is different from UAE federal Securities and Commodities Authority that governs outside of DIFC.

Financial institutions can submit applications for a license and they’re benefitted from the 0% tax for income and profits, no limitations on Forex or profit/capital repatriation, 100% foreign ownership, business continuity and operational support amenities. Dubai International Financial Exchange is a privately owned financial exchange for DIFC and was listed as DIFX and rebranded as NASDAQ Dubai in 2008. DFSA regulates NASDAQ Dubai.

Dubai International Financial Centre Complex houses a hotel, Ritz Carlton that was opened in 2011. Dubai International Financial Centre also houses art galleries, restaurants and an array of outlets for shopping extravaganza. The Dubai shopping season has garnered acclaim worldwide and the number of tourists visiting during this season shoots through the sky. Many entrepreneurs would like to have a business established in DIFC and it isn’t surprising considering the perks and profits businesses get here. Matthew Roddan of Project Ninety Nine would recommend suitable and innovative project launch here, when an able leader is helming it.

The location of a business is very important and DIFC is one location businesses should consider. Not just for expansions, even new launches that are good would sure thrive and flourish here. There’s a reason why it is called Financial Centre and you must try it, to believe it.

By Matthew Roddan

Software Development Company for Offshore Services

Programming advancement organizations give programming answers for their customers arranged in far away parts of the world. Such administrations gave to them are called seaward administrations. India has turned into the center point of such programming improvement organizations which give programming answers for their clients arranged in United States, Sweden, and different parts of Europe too.

Programming improvement organizations actualize programming on diverse advancements and verticals. Their answers are savvy and convenient, consequently suggest complete consumer loyalty. Such organizations are included in the errands like:

• Application advancement

• Software advancement

• Re- designing administrations

• Testing administrations

Selecting a product advancement organization is an intense undertaking; you need to consider your financial plan and necessities first. At exactly that point you could ask an organization to consent to work for you. To choose a proper programming improvement organization for your work, simply take after the accompanying steps:

• Search the name of any product advancement organization in your state, on any internet searcher for that purpose.

• Go through the home pages of the top few results and search for the organization which gives comparable arrangements in your predefined plan range.

• Take referrals from individual business accomplices and contenders around.

• Evaluate the organization's execution. On the off chance that you get an opportunity to see their work, then experience the venture and investigate it.

o Check out the arrangement of the organization.software testing engineer It will demonstrate to you if that organization has ever constructed an item for your industry before or not.

o Experience-search for the experience they have in the same field.

o Fees- How would they charge?

o Technology- What sort of innovation they utilize.

o Deadlines- Are they productive to such a degree as to finish assignments in detailed timelines?

o Check the post deals backing gave by the organization.

• By now you must have got it clear in your psyche, about which organization to choose for your work. Presently its the time to outline the appeal proposition. Plan it in an expert manner expressing all your necessities, proposed arrangement, and time allotment accessible to direct the task. Also the costing of the venture.

• Evaluation of the proposition

The fundamental undertakings of any advancement organization contains the product improvement, application advancement, re- building administrations and testing administrations. Associations take the help or such organizations not just on the grounds that they are unequipped for planning such programming for themselves, but since they need to concentrate on their fundamental business then getting included in such inside assignments.

Through thusly associations can accomplish quicker, simple and financial approach to attain to general development in their business by creating fantastic finished items, that too with least wastag

Know All About Software Testing As a Career Option

Programming testing is a process that aides in assessing properties or abilities of a project or framework to verify that it meets all vital desires and conveys wanted results. The occupation of a product analyzer is vital on the grounds that he/she is prepared to identify defects, if any, in the product. By utilizing diverse parameters, analyzers test different programming, before they come in the business sector, to verify that they are blunder - free. Upheld with a faultless business information and specialized competency, programming testing is essential to dispatch a first class item in the business with no bug or blemish.

A percentage of the main organizations offering programming testing employments in India are -

1 = AppLabs

2 = IBM India

3 = Symantec Corporation

4 = QualityKiosk

5 = Groupon

6 = Microsoft

7 = Accenture

8 = Cognizant Technology Solutions

9 = Groupe Steria

10 = HCL Technologies

11 = HP

12 = Hexaware Technologies

13 = Infosys

14 = Tata Consultancy Services

15 = Tech Mahindra

16 = Wipro

What aptitudes are obliged to turn into a product analyzer?

1 = Good relational abilities

2 = Analytical aptitudes

3 = Team player

4 = Domain learning

5 = Eye for subtle elements

6 = Business sharp

What are the instructive capabilities needed for testing occupations?

Albeit there is no commitment to have tagged degree to turn into an analyzer, it is helpful to have a degree in software engineering, particularly in distinctive specialized testing parts, in the same way as execution testing, and so on.

A Bachelor of Engineering degree or MCA would be an included profit. Likewise, in the event that you have a presentation to Oracle, Java and other coding languages, then you will appreciate an edge over different candidates.Software testing  A portion of the main schools in India, which are putting forth testing training are-

1 = Anna University, Chennai

2 = Arcus Infotech, Bangalore

3 = Indian Institute of Software Testing, Coimbatore

4 = Thiagarajar College of Engineering, Madurai

In the wake of finishing your testing project, you can arrange your profession as a-

1 = Reliability Engineer

2 = Software Quality Engineer

3 = Software test lead

4 = Software test director

5 = Software test draftsman

6 = Software test originator

7 = Quality Manager

8 = Quality Engineer

9 = Quality Auditor

10 = Quality Technician

Compensation

As a product analyzer, you can gain a lucrative pay bundle. A fresher can win anyplace between Rs 3-5 lakh/annum. An accomplished programming analyzer can win between Rs 7-10 lakh/annum. On the off chance that you are working for an abroad customer, then your testing occupation would likewise incorporate outside voyaging.

What is the extension?

There is an enormous extension for programming testing employments both in India and abroad. The Indian Testing Board has more than 30,000 guaranteed analyzers in the ISTQB (International Software Testing Qualifications Board) establishment level exam. It is an internationally acclaimed certificate for analyzers. Also, the product business is both remunerating and testing.

Consistently, new programming is propelled in the business, and accordingly, there is a prospering interest of analyzers, who can test programming at diverse levels and figure out the imperfection, if any. As indicated by the most recent "Programming Testing Market India 2014", India has turned into the world's most favored outsourcing destination for programming testing administrations due to its workforce and operational efficiencies.

Moreover, the legislature activities likewise go about as a significant compel behind the development of the testing business in India. Besides, India's IT spending may touch the characteristic of $73.3 billion by 2015 and according to the business sector report, the development of IT industry in India may make it the third biggest IT showcase in the Asia Pacific district by 2016. That is to say, there are plenteous open doors accessible for programming analyzers. Likewise, as a product analyzer, you get an opportunity to work in the universal enclosure moreover.

Your vocation movement

As a product analyzer, your vocation movement would take after the accompanying chain of command -

Lesser Test Engineer->Test Engineer->Senior Test Engineer->Team Leader->Test Manager->Project Manager

Indeed in the wake of spending a few years in the testing field, you can investigate opportunities in underneath fields -

1 = Automation Testing

2 = Performance Testing

3 = Business Analyst

Hitachi magic wand massager and its uses

Hitachi magic wand vibrator, also known as the Hitachi magic wand massager is a device that has been appreciated by a number of people around the world. A large mass of people have been buying these vibrators for the past 30 years. There are a number of advantages associated with the Hitachi magic wand vibrator.

The price is not exorbitant and once you invest in it, you can use the device for at least 6-7 years. Proper handling further lengthens the life of the device

The magic wand massager or Hitachi magic wand vibrator helps soothes the body muscles and eliminates pains in the back, neck and the shoulders. The vibrations cause the regeneration of dead tissues and also stimulate the growth of body tissues.

The vibration speed can be adjusted to a low speed of 5,000 rpm and a high speed of 6,000 rpm

The device is easy to use and can be used on body parts that are hard to reach. The long handle and the flexible head reach those body parts that are not easily accessible to hands. The head is 2.5 inches in diameter and the handle is 9 inches long.

The magic wand vibrator is widely used as a sex toy. When the head is placed against the genitals and the erogenous zones in the human body, the vibration causes stimulation of sensitive tissues thus sexually arousing a person. Women enjoy increased and more orgasms during sexual intercourse while men enjoy elongated erection periods. The vibrator has enhanced effects in women and clitoral stimulation in them.

Old people can use this device to decrease the pain intensity in the concerned body parts. The use of the vibrator against the body parts improves blood circulation because of the vibrations produced by the device.

The magic wand vibrators are easily available in the stores and can also be ordered online on various sites on the internet.

These vibrators are extremely portable and can be carried around without much difficulty.

Hitachi magic wand vibrators have been on the block for a long time now and the sales of these vibrators have doubled in the last 2 years. The vibrator is being used by people of all ages as per their requirements. The massager saves you the time of going to a masseur and getting a massage every weekend. You can sit back and use the massager on your own.

There are various attachments that can be used with the magic wand vibrator. G-spotter and the wonder wand attachments are the two most popular attachments that can be used in conjunction with the device. The cord of the device is as long as 6 feet and hence can be easily plugged in to a wall socket.

All in all the Hitachi magic wand vibrator forms a perfect product for people who are looking to get rid of body pains that haunt them often and people who are looking to enhance arousal and genital sensitivity.