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Credit Crunch - What Happens Next in the Mortgage Market?

People are beginning to form views on which way the Credit Crunch is going to turn next. Get a good idea of whats going on in the City here.
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By Ross Taylor
No one, not even Alan Greenspan or Gordon Brown, could accurately predict what is going to happen in the Mortgage Market, and consequently in the UK property market in the future. There are just too many up and downs and tumultuous events ahead of us to get it right. However, many people are in agreement over what events are expected. In this article I want to make you aware of the events that those in the know are expecting. I've put them in a rough chronological order:
Banks announce big losses - over the last few years, banks have stopped indemnifying themselves against repossessing properties in negative equity. They felt protected by the steady rise in house prices between 2000 and 2007. However the recent slump has found that many properties are now being sold at a lesser price than the debt owed. I've actually heard of some new build flats in Northern cities being sold at £100,000 less than the outstanding debt. Now imagine you are the MD of the Alliance and Leicester and you've just announced profits of £2million. You'd only need the above scenario to pan out 20 times for all your profits to be wiped out! Scary times!! The recent results from HSBC and Lloyds TSB show that even the big High Street banks are not impervious.
Skeletons come out of the closet - there are still lots of headlines surrounding banks to come forward. I think these headlines will go way beyond the notion of irresponsible lending.
Criteria tighten - the rules regarding mortgage lending will get tighter as house prices fall. Why would a bank give you a 95% mortgage when the trends show you will be in negative equity within a year? I expect maximum LTV's to settle at 90% or less.
House prices drop further - as criteria tighten a negative feedback loop will be created. People can't get mortgages so house prices fall. As asking prices drop the bank make their rules harder. Catch-22!
Smaller banks stop selling off repossessions - now in the midst of the Credit Crunch the rental market is experiencing a mini boom. Those First Time Buyers who would have normally have been taking their first step onto the property ladder are now renting - and waiting for the housing market to "bottom out". The smaller banks will soon stop automatically selling off the properties they repossess. They will simply write off the debt and rent the property out until the market picks back up. The bank will employ people to assess whether a property is sale able or whether it should be let. I'm reliably informed that some (ex-) lenders are doing this already.
House prices stabilise - as the supply of repossessions is slowed, it will only be the desperate vendors who will be bringing prices down. The vast majority of those on the market, who are not particularly motivated to sell, will just sit it out.
Lending criteria is slightly relaxed - as house prices stabilise, the banks will ease their current restrictions but I seriously cannot see them going to the extremes we seen before the Credit Crunch. I feel that maximum LTV's will even out at 90 to 95%.
House prices slowly start to rise again - eventually the fundamental drivers in the market like the influx of immigrants from Eastern Europe, the aging population etc will cause the market to rise again. We may well find that like a coiled spring the market returns to an even higher position than before.
It will be interesting to see how many of these predictions come true. Am I the Northern Rock Nostradamus? Only time will tell but be certain that all this will take at least 18 months to conclude. There is going to be a lot of sleepless nights before we can enjoy looking back on the Credit Crunch of 2007.
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Financial Freedom - 3 Things You Must Avoid to Achieve It

Achieving financial freedom is not as difficult as you imagine - however there are THREE absolute things you must AVOID to achieve it. If you write these down paste them somewhere you can see everyday and then follow through financial freedom is yours to have and enjoy!
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By Ann Marosy

Thing You Must Avoid #1: Unconscious Spending
"Unconscious Spending" is the number 1 culprit behind all our personal financial woes - and our country's economy as well. The experts say that the lack of goals is often the underlying cause. So, set your goals, plan, and always have a budget. Do you really need absolutely everything you buy? Ask yourself every time you go to buy something, "Do I really need this?" The answer is typically - NO! Think about it - surrounding yourself with lots of little materialistic things or wonderful, glorious financial freedom that will allow you to do, have or go anywhere, anytime or any place you want - forever. It's not rocket science.
Thing You Must Avoid #2: Borrowing
Credit cards and personal loans are the bane of our society. Cut up your credit cards until you can master your spending habits. If you must have one, just have a small limit of only $500 and pay it off every month without incurring any interest or anymore debt. If you're already over your head in debt, set up a debt-free plan. If you need help, seek a consultant or financial planner who specialise in this area. There is always a way out - so get going NOW!
Thing You Must Avoid #3: Negative Thinking
Stop! You're probably doing it right now. And it's also very common, so don't beat yourself up every time you start thinking negatively. Its all due to years and years of programming - social, sometimes parental, and environmental. But you can change that. Study or read books and articles about positive thinking, creative visualisation - even meditation helps. Join a group - or start a club up yourself and only invite positive people. To paraphrase Winston Churchill, "A fanatic (or troublesome person) is one who will not change his attitude or look at new ideas". Stubbornness is not an admirable attribute.
Start Now
OK, what are you waiting for? Financial freedom is just around the corner. Maybe it's a longer street for some to reach that corner - but its there. Trust, believe, and know that it's there - and most importantly of all, know that you DESERVE IT!
Ann Marosy is an accountant, consultant, and motivational speaker. She was formally the Financial Controller of an Aust subsidiary of the Fortune 500 Company, Jardine Matheson; Finalist of SA Executive Woman of the Year and is the author of 'The Money Program: How to Manage the 6 Stages of Wealth' and 'Money Rules: The 7 Simple Rules of Money Management'.
Visit her website at http://www.moneta.com.au

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Finance Loans and Credit Rating

Dealers typically sell your contract to an assignee such as a bank loan company or credit union. Compare current rates being offered by contacting various banks credit unions or other lenders. Be aware that your credit history may affect the rate you are able to negotiate. A longer term contract may mean smaller monthly payments than a shorter term contract but will result in more money paid over time on your contract.
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By Ronald Firquain
Dealers typically sell your contract to an assignee, such as a bank, loan company or credit union. Compare current rates being offered by contacting various banks, credit unions or other lenders. Errors or accurate negative information can impact your ability to get credit or your rate. Determine how much you can afford to spend on a monthly payment. Negotiate your loan or lease arrangements and terms. Compare annual percentage rates and financing terms from multiple sources such as a bank and credit union. Be aware that your credit history may affect the rate you are able to negotiate. A longer term contract may mean smaller monthly payments than a shorter term contract, but will result in more money paid over time on your contract. Examples of less favorable terms include higher charges or less money than you requested.
The law protects you when you deal with any creditor who regularly extends credit, including banks and small loan companies, retail and department stores, credit card companies, and credit unions. Regulated by the Swiss Federal Department of Finance, it has been providing unbeatable 24 hour online currency trading execution since 2002.Financial consultants will help you properly handle your finances. If you find your in a poor state consider getting the advice of a financial consultant. Be it any personal requirement or any professional financial need, with these loans you can arrange a meeting all these requirements. Numerous financial institutions and banks offer secured loans for homeowners. By attending one of his Wealth Builders Program, one can have a better plan and picture for his life.
Whatever method you choose, it is always good to pay the loan off very quickly because the  charges can add up over time. People can also pay off the loan fee and a portion of the principle before it is due. Yahoo Finance contains the most updated information on the net. If you want to start investing and want to learn the basics about planning and stock market, the category of Investment References and Guides on Yahoo Finance directory can be a great help to you. Most banks can offer a wide variety of loan packages designed to expansion of an already existing small business. An example of this would be the expansion of small business with a proven track record. We never know from day to day how our finances will be affected. Any of these situations could easily bring your life to a standstill and it can only get worse if you do not have the necessary finances to pay for such needs.
Be disciplined about your finances and focus on paying of the smallest debts. Home equity lines of credit that used to help expenses are now in big danger. Specialized web sites offer the possibility of getting online undergraduate degrees such as bachelor of business, administration, management, human resources, criminal justice, finance or international relations. While this asset can in theory be anything you own, in practice the only thing of value that most people can secure their loan against is their home. Without close monitoring of budgets , the firm may find it experiencing cash flow problems. However, there should be sincerity on the part of the company or else trust will be destroyed and that would really hurt. Take control of your finances as much as possible. By the time the child comes of age or first gets involved, they might find that they have years and years of identity reclamation ahead of them.
All of the costs, whether closing costs or interest, are financed. Now all of the properties on one large loan and have their personal credit clean to obtain the best available financing for future purchases. The International finance Group, a member of the World Bank Group has become a partner with an investment of 160 million, raising the total capital to 660 million. If you are planning on buying a new car, be aware that the financing obtained by the dealer, even if the dealer contacts financial institutions on your behalf will not be the best bargain you can get. When home buyers are looking for a new mortgage, or going to refinance an existing one, they typically pay close attention to the interest rate associated with it. If you have a modular home that you want to refinance, talk to several mortgage companies in your area. What you need to do to refinance depends on the type of loan you already have on your home.
Ronald Firquain is a writer, marketer, entrepreneur, webmaster and has 18 years of computer knowledge. finance tips

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Making the Most Out of College, With Less

College can be the best four or so years of your life. However it can be quite expensive. On top of tuition and paying for school supplies and projects many expenses can hound a teenagers mind and suck the fun out of their lives.
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By Imee Malabonga

It's a good thing that many articles are now available online to help college students in living life to the fullest, without having to spend too much. I wish I had these when I was still studying-I could have saved a ton of money!
One obvious but often ignored tip is to utilize your student ID. Transportation, food, and even movies can be less expensive when you show your ID to the establishments. Other services also give student discounts.
Budgeting is another obvious but overlooked idea. Living frugally may seem like a pain, but it can actually be easy and worry free. Here's a tip for spending money wisely-prioritize your necessities. Leftover money can be saved and used for other stuff you might fancy. You can even think of these "wants" as your "rewards" for behaving so well financially or even academically!
Another tip is to always check your finances. Track your money, check your credit statements, and never, ever leave bills in your mailbox. Also, remember to never give away your Social Security number, credit cards or bank account numbers to anyone.
Speaking of credit cards, as much as possible you should only have one-and use it sparingly. Having multiple credit cards is not recommended. Too many finances to handle, and more often than not one can't pay these on time. Set your own credit line as well. Don't max out your credit cards. Rather, pay with cash if you can.
Also, pay bills on time or even earlier. It may seem like a chore, but paying bills early won't only save you money-it can save you the hassle of waiting in line for a long time.
Another tip for college students is to buy used books, or borrow if you can. Used books are sold at a much lower price, and these are usually still in mint condition.
Try printing coupons from various websites, or clip them from newspapers and magazines. These coupons can save you money and give you special offers.
Have an emergency fund. One may never know when you spend more than your budget allows. An emergency fund can start from saving like a dollar each day, and more when you can. It can be useful for rainy days and other emergency expenses.
Finally, ask for help when you need it. Everyone makes mistakes, and certain unimaginable things do happen when we least expect it. Rack up some courage to phone home for help, and make sure to pay it off when you can. Don't do it too often though! You have to learn to spend wisely.
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Consumers Look to Change From Uncapped Tariffs

With the recent bout of energy price rises are released people are scrambling to secure themselves on capped-price tariffs to limit the effect of the savage cost increases according to the Fair Investment Company. The price comparison site warned that with additional price hikes predicted as the end of summer approaches it is imperative to get on a fixed-price product as rapidly as possible. It explained that whilst such tariffs may well be becoming less competitive it could still be worthwhile signing on to high-end rates as the large energy suppliers prime people for an ...
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By Abbi Rouse
With the recent bout of energy price rises are released, people are scrambling to secure themselves on capped-price tariffs to limit the effect of the savage cost increases, according to the Fair Investment Company.
The price comparison site warned that with additional price hikes predicted as the end of summer approaches, it is imperative to get on a fixed-price product as rapidly as possible. It explained that whilst such tariffs may well be becoming less competitive, it could still be worthwhile signing on to high-end rates as the large energy suppliers prime people for an additional round of price hikes. According to the group, the rate of energy price inflation has been so rapid that Ofgem and a governmental select committee have launched a joint investigation as to whether or not the 'big six' suppliers have been colluding to keep prices at unnecessarily high levels.
Meanwhile, the Treasury is also considering plans to wield a windfall tax on energy providers as reports of record-breaking profits continue to leak into the public domain. The Fair Investment Company pointed out that the last time such a levy was imposed was in 1997, when the funds extracted were used to offer support to hard-up people failing to keep their homes warm over winter.
Indeed, Sainsbury's Bank identifies that for a large number of us, the cost of bagging a summer deal will have to be met with credit as the increasing cost of fuel, food and energy make their presence felt. The company forecast that 42 per cent of all spending carried out in the coming months will be done by using credit cards. Credit card useage such as this would amount to about 3.29 billion pounds worth of purchases made using plastic.
For those who are facing a winter stuck on an uncompetitive tariff, applying for one of the many cheap loans available might turn out an efficient course of action. In choosing this kind of loan, people may discover they are able to pay off outstanding debts easily and switch to a supplier offering a capped-price product. Furthermore, leftover money provided by such a loan could be used to invest in energy efficient appliances and home improvements with the intention of reducing dependence on energy as the winter months draw nearer.
Talking about the decision facing the Treasury, Steve Wagner, leading energy spokesperson for the company, said: "I agree with the government that something needs to be done. The recent increases are going to start hitting households just in time for the winter months and with millions of people already in fuel poverty this is only set to get worse. On Wednesday British Gas raised their tariffs for the second time in six months, putting their gas prices up by 35 per cent and electricity by nine per cent, making them the most expensive energy tariff on the market. We expect the other big energy providers to follow suit and raise their prices too."
As such, he urged people to cap their tariffs as soon as possible.
EDF was the first provider to announce that it would be increasing prices again, with 22 per cent and 17 per cent increases ratcheted on to their gas and electricity tariffs respectively.
On top of addressing worries about soaring fuel costs, a recently released independent report has additionally known as upon Whitehall to increment the level of protection it provides to homeowners living in flood risk areas. Sir Michael Pitt, who led the review, urged the government to implement a range of measures to limit risk exposure. There was concern that a large number of would be left unable to obtain insurance, meaning that they could possibly have to resort to savings or personal loans in order to fund the cost of repairs.
Abbi Rouse writes for AllAboutLoans.co.uk, an online loans comparison site, visit us today for information on all loan topics including cheap loans applications and loans sourcing from all leading UK providers.

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The Convenience of Credit Card Services

Credit cards have become so popular with consumers that in this day and age that no business can afford not to accept them as a form of payment. Without credit card services businesses would lose out on quite a lot of potential revenue. Many people think of businesses which do not offer them as being less than serious business ventures.
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By Nick Makaryk
Credit cards have become so popular with consumers that in this day and age, no business can afford too forego accepting them as a form of payment. Without credit card services, businesses would lose out on quite a lot of potential revenue. Many people think of businesses which do not offer them as being less than serious business ventures.
So what are these credit card services?
Basically, the service denotes that a business has a system in place enabling theme to accept credit cards as payment. These services are those which allow a business to accept credit cards; a machine for processing credit card payments for instance, is a service which a business provides to consumers and is itself a service which is being provided to them by the banks, who allow them the use of a credit card processing machine as their service. Given that people are more likely to pay with a credit card than cash in most situations, failing to provide these services means disaster for a business owner who would be unable to accept card payments; for many of their customers, this may be the only form of payment they are able to use since carrying of any large amount of cash has fallen out of favor. Therefore, these services are now part and parcel of operating a business.
The proliferation of internet access into homes meant an explosion in the online world as a venue in which to do business. These e-stores or "clicks-and-mortar" businesses (where a physical business has an online presence as well) had to have a way for their customers to pay for goods and services; with credit cards being the obvious solution. These websites then needed these services; in the form of specialized web pages where customers could fill in their card information and the merchant then process the payment. This in turn fostered advancements in security technology for websites to prevent such sensitive data from falling into the wrong hands. These sites came to be known as secure sites and are the very backbone of online commerce today.
Other than this type of credit card services, there are other ways such as over-the-phone credit card payment, and on the web, third party service companies who act as an intermediary and provide an interface for accepting online payments.
There are many ways that these services are in use and as technology progresses, others will be developed.
Nick Makaryk is an Internet Publisher, Copywriter, and Founder of Best Credit Cards A Free consumer credit card comparison site helps consumers find the Best Credit Card while avoiding high interest rates, charges, and fees.

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The Investors Emotional Rollercoaster in a Fluctuating Market

The market is constantly fluctuating. We tend to invest when the market is doing well and sell as the market drops. But is this really the best strategy? Sometimes what appears to be a terrible time to invest may actually be the best time to buy. Find out what I mean as I take you on this emotional rollercoaster that many investors tend to experience during the highs and lows of the market.
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The Investor's Emotional Rollercoaster in a Fluctuating Market
The Investor's Emotional Rollercoaster in a Fluctuating MarketBy Steven Pomeranz
The day of capitulation arrived last week. What is capitulation and what do I mean?
Imagine a rollercoaster that represents the fluctuating market. As you leave the gate you slowly climb and climb. And as you do, you feel a sense of excitement and thrill. This is synonymous to a rising market. You start out feeling optimistic and as the market keeps rising you feel a thrill. Money you have invested keeps rising and you are feeling richer and richer. Even when the market makes small dips, it quickly rises once again. It's thrilling and you're feeling really smart. This can go on for a long time and actually reach a point of euphoria. This was last seen at the top of the Tech Bubble in 1999 and top of the real estate market in 2006.
Now...think for a moment; this feeling of euphoria and feeling this thrill and feeling so smart. Was this the best time or the worst time to be investing in those particular markets? The worst, right? Actually, the way we put it is it was the "point of maximum financial risk."
Moving on... markets start declining. Well the last time that happened, there was a quick dip and the start of another rise. But this time, the market falls a little further creating some anxiety on your part and a little concern. But low and behold the market rebounds, but not higher than the top, just a bit lower.
And then it drops again and you feel more anxiety, but you think; "my portfolio or that stock was worth "X", I'll just wait until it gets back and then I'll sell". We would say at this point that you are in denial. The trend has obviously started to change but you have not re-adjusted in your own mind. So as I said, you're in a state of denial.
Now the market drops again and you start to feel fear. The high which was hit 6 months ago is now a distant memory, but you do remember the value at that time. Who doesn't know the approximate value of their home at the top of the market back in 2006?
You start to realize that denying what is going on in front of you is a mistake but you now are suffering from what psychologists call "loss aversion". This is the human characteristic of feeling greater pain for a loss than the pleasure you would feel for an equal gain. But we FEEL more pain for the loss. So you don't sell. And your investment continues to decline.
Now you feel desperation. Your mortgage is worth more than your house. Your retirement is just a few years away and you're worrying about not having enough. Desperation is starting to settle in.
And the market declines more and gets nasty. Selling begets selling. The media is rife with tales of woe and talk of terrible times ahead. Desperation turns to panic and panic turns to capitulation.
Capitulation. Defined as the act of surrender or giving up. It's the last straw, so to speak. This is when you call your broker and say. I can't take it any more, sell everything. The market is declining at a fast pace, everyone is selling and you imagine your comfortable life slipping away from you forever. You sell everything.
I have experienced this twice in my career. I remember vividly the day I got the call. This was in 2002. My client had a conservative portfolio with perhaps 50% invested in diversified stock mutual funds. The rest were in bonds and other safe investments. We had talked many times and I had calculated a worst case "what if" scenario every time. What if the stock market declined by another 20%? How would it affect your net worth? Is this acceptable to you? Could you sleep at night? No? Let's reduce, while the market is still higher, your stock exposure to 35%. Now, if the market declined another 20%, your entire portfolio would decline about 7% is that okay? Yes.
And the market still declines. Two weeks later, another call. I'm losing sleep. Okay let's reduce your stock exposure again. To 20%. Now if the market goes down another 20%, you'll lose just 4% okay? Yes.
Then on October 9th of 2002 it got very nasty- the Dow hits its lowest point.-7,286. I get the call; Sell everything I'm going into CD's. I can't take it. I beg and plead to stay the course to no avail. I sell.
No one knew it at the time but it was the bottom of the market. And these people have capitulated. After that, the market rose to 14,000 in 5 years. Almost double the low hit in October 2002. That's about 14% a year. CD's yield 3%.
Was this terrible time in the market the best or worst time to invest? The media is filled with dour news. Scary stories abound about huge companies on the brink of bankruptcy. The government sends us a stimulus check to ease our pain. You would have to be very courageous or a little nuts to invest when things seemed so bad. But alas.... it was the best time to buy. It was the point of Maximum Financial Opportunity.
Remember we are on a roller coaster and now we are at the bottom. The scary stuff is getting ready to end and the roller coaster car is turning up once again. The market is going higher. We feel a little optimism and excitement and anticipation. As we climb higher we feel a thrill of where we are and what is to come. We feel smart once again and think we can see ourselves living our best financial lives ever. Euphoric and everything is wonderful.
Then there's a dip. Here we go again.
What would you do this time?
Visit http://onthemoneyradio.org for weekly commentary and money advice that covers the entire financial spectrum which also airs on my weekly radio show, "On The Money!"
Also visit http://blog.slpomeranz.com and SUBSCRIBE to my weekly commentary via Email and SUBSCRIBE to my weekly podcasts on iTunes!

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teaching personal finance

The Hard Close - A Great Revealer of Many Issues

As this month is the time most of you get ready for a hard close in September or for those who dont and are interested a close to find any concerns before the year end close. This allows a comfort level to the year end close process and gives some breathing room for you to review for mistakes odd aging items and goods held for sale or other items.
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The "Hard Close" - A Great Revealer of Many Issues
The "Hard Close" - A Great Revealer of Many IssuesBy Carl Ashton
Inventory counts are a very important part of the hard close. With this in mind companies lose some percentage of their total revenue to fraud every year to shrink, waste and to their own employees.
Lax internal controls are ALWAYS the culprit. These schemes often begin with an intentional "accident"(not keying in a parts bill or writing an invoice by hand "offline") or anonymous small-scale theft. These are simply tests, designed to illuminate the terrain and provoke a company's response for evaluation by the planner. Then the plan develops, most often targeting one of the following areas:
Accounts Payable can deliver kited or forged checks, kickbacks, rigged bids, transfers to fictitious payees and even paychecks to ghost employees.
Accounts Receivable can permit lapping - the ongoing replacement of stolen receipts with subsequent thefts.
Expense accounts can hide inflated - or invented - costs for travel, entertainment, supplies or seminars.
Inventory is vulnerable to direct theft, diversion, overstatement, understatement, quality substitution, false weights and measures, short shipments or false valuation.
After the crime, a means of escape may be needed, depending on the chances of detection. If discovery is unlikely, perpetrators lie low; otherwise, they resign before the game is up. When I was in Automotive the biggest sign was a non matching parts bill showing up on the invoice and that manager was asked what type of car and the invoice number these parts were on due to the fact that either the P.O. number on the bill did not match or their was not a P.O. number on the bill. Then the manager would be called on the issue and the next day or two days later this happens. A 9 am call that the store was closed from one of the employees that the manager panicked and quit. Another was receiving a handwritten or "offline" invoice for services rendered and then upon review finding that an invoice was not ever entered in the system, now the customer wanted warranty service at another location "oops" that manager was caught in the act.
Some great examples are especially in, manufacturing process involves complex costing systems with many employees and large volumes of production make inventory kiting particularly difficult to detect and prevent. The most attractive inventory is the small and portable, very valuable, or easy to sell type. Common inventory fraud by employees includes direct theft; good inventory scrapped for sale and sold sales refund schemes, unauthorized outbound shipments and manipulation to conceal other frauds.
In manufacturing and retail, the largest expense for most firms is usually cost of goods sold. A dishonest manager may try to inflate inventory in order to misrepresent operational performance and earnings. To do so, managers must manipulate either physical quantities or the values associated with them. And the means of doing so a common one is to place empty boxes in a warehouse, bricks packaged as parts, tags altered after a count (same part, lesser quality higher quality returned for a refund), multiple counts of the same items, rigged barter transactions and bulk sales, are limited only by imagination.
Understatement of inventory can serve a purpose, too. Minimizing stock-on-hand can be attractive to business owners who want to evade taxes or minimize their assets in anticipation of penalties arising from business or personal legal proceedings.
The basic tools for uncovering inventory fraud are tests for quantities, compilation and valuation.
· Review of payables and receivables aging, after the fact review of expense reports.
· Testing quantities by physical count. In normal times a company may employ various means to validate its inventory, including cycle counts or continuous updates, but a fraud investigation often requires a full physical count.
· In these circumstances the company should consider a swap of managers or internal auditors form other divisions or business units if this was a daily role for them.
· In any case, auditors must carefully guard the integrity of the count, and perform it outside the view of employees, if possible, and with strict controls over count sheets and tags, used or unused. The counters should examine inventory contents, with tests for purity and grade if appropriate. And the counters should inspect records for goods received and shipped near the date of the inventory to see if they were properly included.
· Testing inventory compilation. Opportunities for manipulation arise between the counting and pricing of inventory, particularly when counts of the same items at various locations are aggregated into one list. An effective investigation requires inspection not just of the final list, but of every facet that preceded it.
· Testing inventory valuation. Auditors should confirm that vendor invoices support the stated value of inventory on hand. If a company uses dollar-value, last-in first-out (LIFO) accounting, auditors should be alert to the manipulation of LIFO pools to inflate ending inventory. In an average-cost system, slow-moving items deserve particular scrutiny, which may require purchase and sales documents from several years.
· Improperly valued items demand an explanation. Auditors should learn why they exist, and not be deterred by evasive responses or complex pricing formulas.
A manufacturing or distribution company, whose core business do not posses an internal audit team, may need help when it faces the costly and complex challenges of inventory fraud.
Some early warning signs of inventory fraud include:
Unexpected shortages or fluctuations in inventory accounts
Large adjustments to counts after a physical inventory
Significant increases in cost of goods sold
Significant decreases in gross margins
Unusual or late journal entries
Lack of timely compilation for an event such as purchase of additional space, inventory blow out event that is avoided, or write-offs of units once an event is communicated.
Accounting staff not taking vacations.
Effective analysis can expose these symptoms. Three asset ratios in particular, age of inventory, gross profit margins and inventory turnover.
These are revealing and should be reviewed in detail regularly and perhaps monthly or at least every quarter. However, these symptoms don't necessarily indicate fraud, because inventory is an area that's particularly susceptible to faulty record-keeping.
Best practices to curb this are:
· Setup of water tight internal controls.
· More than one signature needed in authorization and continual review of payables, inventory write-offs, and aging review for receivables amounts outstanding emphasis on why.
· Daily Bank reconciliation, bank deposit matching.
· Multiple reviews of journal entries, continuous review of the signals for significant changes in earnings or reduction in Cost of goods sold.
· Review of aging after being charged in a sales or franchise tax audit, usually finds lack of tax certificates or improper accounting of the accounts in question. These usually lead to non productive employee or an employee testing the waters for further exploitation.
· Have "all" checks been deposited in the bank listed on a deposit slip and reconciled to the bank account?
Staying on top of these issues should keep you free and clear of any concerns with the Hard close and feeling that the "house" is in order for the year end close and year end audits.
Carl Ashton MBA, CMA is a Consultant / Interim CFO / Controller for Acsys Inc and a member of the Gerson Lehman group of Subject matter experts. Also writes for Service Business Solution LLC A South East Accounting Firm, Franchise Accounting Solution LLC (A Franchisee only Division of Service Business Solutions), Corporate Payment Solution LLC (Electronic payment and Payroll Division of Service Business Solutions)

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personal finance article

No Credit Check Finance - Financial Assistance Without Any Credit Check

No credit check finance is meant for borrowers with bad credit problems. According to their need and requirement the loans can be availed in secured and unsecured form. top get the best loans borrower should undertake a proper research.
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By Macrony Bays
Generally, when you are having some sort of monetary crisis, naturally you will seek the assistance of loans to bail you out. In the present circumstances, you cannot rely on a single monthly income to meet your needs. Most of the people are now increasingly dependent on loans. To a certain extent it is good but is also disturbing, as major chunk of the population are now suffering from bad credit problems. With a tarnished credit history, it becomes increasingly difficult to obtain normal financial assistance. In order to assist the individuals, the loan market has come up with no credit check finance.
As the name suggests, the finances are designed to get approved without any credit check. Any individual with a history of bad credit such as CCJs, IVA, arrears, defaults etc can apply for the loans. Thus by it can be said that the finances are effective enough to solve the financial relinquishes of the borrowers.
Just like any other normal loans, these loans too are made available to the borrowers in secured and unsecured form. Secured form of the loans can be availed only by pledging collateral. The placing of collateral reduces the risk factor for the lender and in turn offers you the loans at comparatively low rates. Under these loans, you can obtain a bigger amount for large repayment tenure.
Unsecured form of the loans, on the other hand are free from any collateral pledging. These loans are particularly beneficial for tenants and non homeowners. Homeowners too can avail these loans. However the interest rates levied will be slightly higher as compared to secured form of the loans.
There is no constraint on the usage of the loans. You are free to utilize to meet needs like home improvement, consolidating debts, wedding, education, purchasing a car and so on. Moreover, by ensuring the timely repayment of the loans, you can mend the credit score and stabilize your financial standing.
In the financial market, no credit check finances are offered by most of lenders such as banks, financial institutions as well as online lenders. However to get the best deal you should negotiate with the lenders to derive a feasible deal. Further on comparing the rate quotes, you can squeeze a deal that suits your prevailing circumstances.
Macrony Bays is currently working as an expert author for No Credit Check Personal Loans. She writes for loans and finance and provides advices on such issues. For more details No Credit Check Finance, no credit check personal loans, secured personal loans, bad credit personal loans visit http://www.nocreditcheckpersonalloans.co.uk/

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kiplinger's personal finance

Refinance With Bad Credit - The Easy and Cheap Way

This article explains exactly how to refinance if you have bad credit. By following the advice in this article you could save thousands.
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By James McKerr
In this article I will reveal to you the easiest and cheapest way to get refinance with bad credit. Refinancing can be a nightmare as there are so many schemes and programs out there the choices seem never ending. If you want to learn to get cheap refinance read on because I will reveal the best methods to so. In fact if you want to set your financial life free this may be the most important article you will read.
If you have bad credit it can be all too easy to take the first offer of credit that you get. I was guilty of doing this a few years ago. I had the fear that because of my credit situation I would no longer be able to get credit in the future. This was my mindset until I received some advise that changed my life, quite literally.
I was advised not to focus my efforts immediately on fixing my credit but instead to learn about the process of refinance and credit. Rather than paying someone to fix my credit for me I spent 1 week reading and learning about all of the factors that made up my credit score. Many of these were surprising. For example did you know that it is possible to have twice the amount of credit as your neighbor and still have a much better credit score (even assuming you both have the same salary and wealth!)? By learning the reasons for facts like these I was able to change my situation so much that within 2 months my credit score tumbled.
As a result I was able to reduce my credit score significantly and refinance despite my bad credit, shaving over $400 of my monthly mortgage payment.
Get started today and learn how you canrefinance with bad credit

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