2010 Infobox Company company name GenworthFinancial company logo File Genworth Logo.jpg company ... www.genworth.com footnotes GenworthFinancial NYSE GNW is a Fortune 500 global financial security ... Although GenworthFinancial has only been GenworthFinancial for less than a decade, the Genworth ... with The Life Insurance Company of Virginia in 1871. In May of 2004, GenworthFinancial was formed ... news article nz6392.html ref . Today, GenworthFinancial has over 100 billion in assets and employs ... structure GenworthFinancial s principal insurance companies are Genworth Life and Annuity Insurance ... & services The GenworthFinancial family of companies operates through three segments Retirement & Protection ... Vice President and Chief Information Officer of GenworthFinancial, Inc. Michael D. Fraizer inducted ... Partner Circle of Caring, presented to GenworthFinancial Brentwood, Tennessee Corporate Campaign Leader, presented to GenworthFinancial Lynchburg, Virginia by United Way Circle of Caring Award, presented to GenworthFinancial Brentwood, Tennessee by United Way for exceptional campaign organization, growth and giving levels Best Campaign Award, presented to GenworthFinancial Brentwood, Tennessee ... Award, presented to GenworthFinancial Lynchburg, Virginia by the Jubilee Family Development Center ... to GenworthFinancial Canada by Canadian Mortgage Professional for going above and beyond in providing ..., employee volunteerism, and local community sponsorships, GenworthFinancial aims to make a difference ... arm of GenworthFinancial, is a private foundation that helps build strong communities by focusing ... com web corporate en home.html GenworthFinancial Corporate http www.genworth.com GenworthFinancial United States of America http www.genworth.com.au GenworthFinancial Australia http www.genworth.ca GenworthFinancial Canada http www.genworth.de GenworthFinancial Deutschland http www.genworth.com.es GenworthFinancial Espa a http www.genworth.it GenworthFinancial Italia http www.genworth.jp ... more details
orphan date April 2010 Infobox newspaper name The FINANCIAL logo image caption type daily format A3 owners Intelligence Group llc founder Zviad Pochkhua publisher editor Zviad Pochkhua chiefeditor assoceditor maneditor newseditor Nini Sanikidze managingeditordesign campuseditor campuschief opeditor sportseditor photoeditor Levan Chkhatarashvili br Levan David Khizanishvili staff Temur Tatishvili br Lali Javakhia br Mamuka Pochkhua foundation October 6, 2005 political language Georgian language Georgian , English ceased publication headquarters Kiev, Ukraine br Tbilisi, Georgia circulation 10,000 weekly sister newspapers Wealth magazine ISSN 15123642 oclc website http www.finchannel.com br http www.financial.ge The FINANCIAL is a main daily newspaper published by Intelligence Group llc in Georgia country Georgia . The newspaper runs a global website in English language English ref http www.finchannel.com ref and in Georgian language Georgian ref name financial.ge http www.financial.ge ref . The FINANCIAL has a weekly official circulation of 10,000 printed newspapers. They have a daily page viewing of 100,000 ref http finchannel.com ref . The FINANCIAL together with Global Idea llc is the official organizer of the annual award ceremony Golden Brand ref http www.globalidea.ge ref . In 2010 The FINANCIAL was named country media sponsor for HSBC sponsored European Business Awards ref http www.businessawards.com ref . In March 2010 The FINANCIAL presented Georgian language Georgian version of newspaper ref name financial.ge . in March 2011 The FINANCIAL first in Georgia introduced QR mobile codes on its printed edition, allowing readers to scan and read articles on their mobile phones. Personnel Founder Zviad Pochkhua President of Independent Association of Georgian Journalists Journalists Koka Kalandadze Tako Khelaia Iona Maclaren Keti Chkhikvadze Mamuka Pochkhua References references Category Newspapers published in Georgia country ... more details
FINANCIAL is the weekly English language English language newspaper with offices in Tbilisi , Georgia country Georgia and Kiev , Ukraine . Published by Intelligence Group LLC, FINANCIAL is focused on opinion leaders and top business decision makers It s about world s largest companies, investing, careers, and small business. It is distributed in Georgia and Ukraine. Declared circulation of the newspaper in Georgia is 5 000 and 10 000 of special editions. Zviad Pochkhua, President of Independent Association of Georgian Journalists http www.IAGJ.org.ge member of IFJ http www.IFJ.org and former Director and Chief Editor of Georgian Times publications holds the position of the Editor in Chief. On June 5, 2007 Intelligence Group ltd Ukraine obtained a licence for publishing FINANCIAL weekly newspaper in Ukraine. Registration N 12828 1712p FINANCIAL The FINANCIAL is registered trade mark of Intelligence Group ltd in Georgia country Georgia and Ukraine . Trade mark registration by Sakpatenti Registration date October 24, 2007 Registration N 85764 Trade mark registratrion by Ukrainian State Register body Registration date November 14, 2007 in March 2011 The FINANCIAL first in Georgia introduced QR mobile codes on its printed edition, allowing readers to scan and read articles on their mobile phones. External links official http www.financial.ge Category English language newspapers Category Newspapers published in Ukraine Category Newspapers published in Georgia country Category Publications established in 2006 Ukraine newspaper stub Georgia newspaper stub ... more details
Financial management means planning of events transactions Financial management may refer to Managerial finance , the branch of finance that concerns itself with the managerial significance of finance techniques Corporate finance , an area of dealing with the corporate financial decisions disambig ... more details
A Financial District is the central area in some large cities where bank s, Insurance company insurance companies and other large corporation s have head offices. Financial districts are often home to skyscraper s. Some well known financial districts include United States Alphabetical by state Financial District, Los Angeles, California Financial District, San Francisco , California Brickell Financial District Metromover station , a station on the Miami Metromover LaSalle Street , Chicago, Illinois Financial District, Boston , Massachusetts Detroit Financial District Financial District, Detroit , Michigan Financial District Detroit People Mover , a station on the Detroit People Mover Financial District, Manhattan , in New York City Canada Financial District, Toronto , Ontario United Kingdom City of London Canary Wharf , London Bangladesh Motijheel Pakistan Ibrahim Ismail Chundrigar Road , Karachi Singapore Central Area See also Central business district List of financial districts disambig de Financial District fr Financial District ja pl Financial District pt Financial District zh ... more details
Unreferenced date November 2008 Financial reporting is the process of preparing and distributing financial information to users of such information in various forms. The most common format of formal financial reporting are financial statements . Financial statements are prepared in accordance with rigorously applied accounting standards standards defined by professional accounting bodies developed according to the legal and professional framework of a specific locale. Category Financial terminology business term stub ... more details
Financial assistance or financial aid can refer to Financial assistance share purchase , assistance given by a company for the purchase of its shares or those of its holding companies Welfare financial aid , financial aid by primarily governmental institutions or charitable organizations to individuals in need Student financial aid , funding intended to help students pay educational expenses disambig ... more details
Unreferenced date August 2010 A financial calculators is an electronic calculator that performs financial functions commonly needed in business and commerce communities. It has standalone keys for many financial calculations and functions, making such calculations more direct than on standard calculators. It may be user programmable, allowing the user to add functions that the manufacturer has not provided by default. Major manufacturers of financial calculators include Casio , Hewlett Packard , and Texas Instruments . Other manufacturers serve further niche areas in the financial calculator space. Financial calculators are also referred to as business calculators. Examples of financial calculators are the HP 12C , and the TI BA II . Category Calculators ... more details
accounting The financial result is the difference between earnings before interest and taxes and earnings before taxes . It is determined by the earning or the loss which results from financial affairs. Interpretation For most industrial companies the financial result is negative, as the interest charged on borrowing generally exceeds income from investments dividends . If a company records a positive financial Result over several periods, then one has to ask how much capital is invested at which interest rate, and if this capital would not bear a greater yield if it were invested in the company s growth. In case of constant, positive financial results a company also has to deal with increasing ... financial result is defined as follows math textstyle begin align mbox Financial result & mbox Interest income & mbox Interest expense & pm mbox Write downs write ups for financial assets & pm mbox Write downs write ups for marketable securities & mbox Other financial income and expenses end align math Advantages The advantages of the use of financial result as a key performance indicators key performance indicator The financial result provides information about financing costs. Information may be gained about non consolidated companies. financial result interest income interest expenses write up and write down for financial assets write down and write up for marketable securities other financial icome and expenses Disadvantages The disadvantages of the use of financial result as a Key performance indicators Key performance indicator Operating components may be included in the financial result e.g. the income from financing activities . Investment income as a component of the financial result does not provide any information on the risk inherent in this investment. The financial result ..., Peter Noel Schomig. 100 IFRS Financial Ratios Cometis AG , 2005, ISBN 978 3980946179 Category Financial terminology Category Financial ratios finance stub pt Indicador de resultado ru ... more details
COI date May 2010 Infobox company company name LPL Financial company logo Image LPL Financial Logo.png ... & CEO industry Financial Services revenue profit United States dollar US 3.11 billion 2010 ref name LPL.com http lplfinancial.lpl.com About LPL Financial Financials.htm LPL Financial website Financials ... 2,583 num advisors 12,444 website URL http www.lpl.com LPL Financial is the largest organization of independent financial advisors in the United States . ref name Total Revenue Based on total revenue ... work 12th Annual Independent Broker Dealer Guide publisher Financial Planning magazine accessdate 4 August 2010 page 29 format PDF ref LPL Financial was formed in 1989 through the merger of two ... expanded its number of independent financial advisors from a few hundred to more than 12,000 in 2010. LPL Financial has headquarters in Boston , Charlotte , and San Diego . Approximately 2,500 employees support financial advisors financial institutions and technology, custody, and clearing service subscribers ... programs and training, and independent research. LPL Financial advisors help clients meet investment goals with a number of financial services, including equities , Bond finance bonds , mutual funds , Annuity US financial products annuities , insurance , and fee based programs. Unlike many other brokerage firms, LPL Financial does not develop its own investment products, enabling the firm s investment professionals to offer financial advice free from broker dealer inspired conflicts of interest . ref name Join LPL.com http www.joinlpl.com financial advisor support independent unbiased research for financial advisors.html JoinLPL.com LPL Financial Research ref Timeline In 2004, LPL Financial ... the LPL Financial network. In 2005, private equity firms Hellman & Friedman and TPG Capital Texas Pacific Group took a 60 stake in the firm. In August 2006, LPL Financial expanded its client base following the purchase of UVEST Financial Services , which provides independent brokerage services to more ... more details
Financial security may refer to Economic security , the condition of having the resources to support a standard of living now and in the foreseeable future. Security finance , a financial negotiable instrument. disambig ... more details
Merge from Financial inclusion discuss Talk Financial exclusion date May 2010 Financial exclusion is the unavailability of banking services to people living in poverty . It is believed to be one factor preventing poor people from exiting poverty, by forcing them to manage their finances on a cash only basis and restricting their access to equitable sources of credit finance credit . Financial exclusion can make poor people vulnerable to loan shark s. Microfinance and Islamic banking are approaches used to reduce financial exclusion. See also Financial inclusion External links http www.npi.org.uk projects financial 20exclusion.htm http webarchive.nationalarchives.gov.uk http www.hm treasury.gov.uk fit index.htm FinancialInclusion Taskforce http www.jrf.org.uk publications understanding and combating financial exclusion Category Banking Category Poverty Category Credit econ term stub ... more details
refimprove date May 2009 A financial forecast is normally an estimate of future financial outcomes for a company or country for futures and currency markets . Using historical internal accounting and sales data, in addition to external market and economic indicators, a financial forecast is an economist s best guess of what will happen to a company in financial terms over a given time period which is usually one year. See Financial modeling . Arguably, the most difficult aspect of preparing a financial forecast is predicting revenue. Future costs can be estimated by using historical accounting data variable costs are also a function of sales. Unlike a financial plan or a budget a financial forecast doesn t have to be used as a planning document. Outside analysts can use a financial forecast to estimate a company s success in the coming year. Reference class forecasting was developed to reduce error and increase accuracy in financial forecasts. ref http www.sbs.ox.ac.uk centres bt Documents Curbing 20Optimism 20Bias 20and 20Strategic 20Misrepresentation.pdf Curbing Optimism Bias and Strategic Misrepresentation in Planning Reference Class Forecasting in Practice. European Planning Studies, vol. 16, no. 1, January 2008, pp. 3 21. ref References Reflist Category Financial terminology Forecast ... more details
Cleanup date August 2007 Personal finance A financial planner or personal financial planner is a practicing professional who helps people deal with various personal financial issues through proper planning ..., retirement planning , Investment management investment planning , Financial risk management risk ... owners . The work engaged in by this professional is commonly known as personal financial planning . In carrying out the planning function, he is guided by the financial planning process to create a financial plan a detailed strategy tailored to a client s specific situation, for meeting a client s specific goals. The key defining aspect of what the financial planner does is that he considers all questions, information and advice as it impacts and is impacted by the entire financial and life situation of the client. Objectives People enlist the help of a financial planner because of the complexity of performing the following Finding direction and meaning in one s financial decisions Understanding how each financial decision affects other areas of finance and Adapting to life changes in order to feel more financially secure. The best results of working with a comprehensive financial ... that all financial goals anything requiring both money and planning to achieve are accomplished ... any major unexpected financial event which could negatively affect the plan, and To make intelligent financial choices along the way whether to buy or lease whether to refinance or pay off etc. . Before working with a comprehensive financial planner, a client should establish that the planner ... interested in selling the client financial products for his own benefit. As the relationship unfolds, an individual financial planning client s objective in working with a comprehensive financial planner is to clearly understand what needs to be done to implement the financial plan created for them. So, in many ways, a financial planner s step by step written implementation plan of action items ... more details
A financial export is a business service provided by a domestic firm regardless of ownership to a foreign firm within the scope of financial services. While financial services are often seen as a domestic service such as current accounts, mortgages, cashpoints, etc. the growing international nature of finance means that many services are now being handled abroad or in financial centres, for a variety of reasons. Financial exports include a wide range of activities from insurance to banking and brokerage. Many smaller locations such as Bermuda , Luxembourg , and the Cayman Islands lack sufficient size for a domestic economy, thus requiring them to look abroad for markets. The increasing competitiveness of financial services has meant that many countries which were self sufficient or protectionist have become increasingly reliant on financial service imports such as the United States and Japan . The United States , France , and Japan are all importers of financial services, whereas Switzerland and Germany both record modest surpluses. The leading financial exporter, in terms of exports imports, is the United Kingdom , which had 19bn of financial exports in 2004 , rising to 21bn in 2005. The UK s position is helped by both unique institutions such as Lloyds of London for insurance, the Baltic Exchange for shipping, et cetera and an environment that attracts foreign firms all large US banks have offices and operations in the City of London London Docklands Docklands and or Edinburgh . References Giles, Chris 19 July 2005 City of London drives surge in UK financial exports London Financial Times Brewer, James 20 July 2005 Shipbrokers give UK a boom year boost London Financial Times ... London Financial Times http news.ft.com cms s df162dba 7dd2 11da 8ef9 0000779e2340.html Chisholm, Jamie 5 January, 2005 UK services sector shows robust growth London Financial Times Category International economics Category Financial economics ... more details
A financial goal or financial target is an goal objective which is expressed in or based upon money . Examples include debt reduction , sufficient wealth to retirement retire or minimisation of tax . ref citation url http books.google.co.uk books?id YN kFZQaE1EC&pg PA17 title Ernst & Young s personal financial planning guide ref References reflist finance stub Category Financial terminology ... more details
Notability Organization date May 2010 refimprove date May 2010 Orphan date September 2008 Hoxton Financial is a nationally ranked fee only financial planning firm based in Shepherdstown, West Virginia . Medical Economics magazine has recognized the company as one of America s top 150 financial advisor s for Doctors. The company was founded in 1992 by Archibald R. Hoxton, IV. Mr. Hoxton is a Certified Financial Planner and member of The National Association of Personal Financial Advisors NAPFA Category Investment management companies of the United States US company stub ... more details
Accounting Image Wachovia National Bank 1906 statement.jpg right thumb 250px Historical financial statement A financial statement or financial report is a formal record of the financial activities of a business, person, or other entity. In British English including United Kingdom company law a financial statement is often referred to as an account , although the term financial statement is also used, particularly by accountant s. For a business enterprise, all the relevant financial information, presented in a structured manner and in a form easy to understand, are called the financial statements. They typically include four basic financial statements, accompanied by a management discussion and analysis ref http www.iasplus.com standard ias01.htm Presentation of Financial Statements Standard ... to as statement of financial position or condition, reports on a company s asset s, legal liability ... set of notes to the financial statements and management discussion and analysis. The notes ... detail. Notes to financial statements are considered an integral part of the financial statements. Purpose of financial statements by business entities The objective of financial statements is to provide information about the financial position, performance and changes in financial position of an enterprise ... http www.iasplus.com standard framewk.htm The Framework for the Preparation and Presentation of Financial Statements International Accounting Standards Board. Accessed 24 June 2007. ref Financial ..., equity, income and expenses are directly related to an organization s financial position. Financial ... name iasplus.com Financial statements may be used by users for different purposes Owners and managers require financial statements to make important business decisions that affect its continued operations. Financial analysis is then performed on these statements to provide management with a more detailed ..., promotion and rankings. Prospective investors make use of financial statements to assess ... more details
Financial literacy is the ability to understand finance . More specifically, it refers to the set of skills ... basics Pages what is financial literacy.aspx What is financial literacy? ref Raising interest in personal ... of the Future The National Strategy for Financial Literacy , US Financial Literacy and Education ... governmental project in 2003 with the objective of providing ways to improve financial education and literacy standards through the development of common financial literacy principles. In March 2008, the OECD launched the http www.financial education.org International Gateway for Financial Education , which serves as a clearinghouse for financial education programs, information and research worldwide. In the UK, the alternative term financial capability is used by the state and its agencies the Financial Services Authority FSA in the UK started a national strategy on financial capability in 2003. The US Government also established its Financial Literacy and Education Commission in 2003. ref http cqresearcherblog.blogspot.com 2009 09 financial literacy.html CQ Researcher Blog ref In July ... Dodd Frank Act , which created the Consumer Financial Protection Bureau CFPB . The CFPB has been tasked, among other mandates, with promoting financial education through its Consumer Engagement & Education ... OECD study was published in late 2005 analysing financial literacy surveys in OECD countries. A selection ... found that consumers do not actively seek out financial information. The information they do receive .... Yet it is encouraging that the few financial education programmes which have been evaluated have ... to save and invest for their own retirement when employers offer financial education programmes, whether ..., financial planning and investment. The top ten of APMEA Women Mastercard s Financial Literacy Index ... india Indian women surpass Chinese in financial literacy articleshow 7602651.cms work The Times Of India ref Australia The Australian Government established a National Consumer and Financial ... more details
Mergeto Financial capital date October 2009 Financial capitalism is a form of capitalism where the intermediation of savings to investment becomes a dominant function in the economy, with implications for the political process and social evolution. It is different from the term finance capitalism , which derives from Marxism Marxist analysis . The importance of financial intermediaries In Financial capitalism, financial intermediaries become large concerns, ranging from banks to investment firms, such that deposit banks attract deposits and lend out money while investment banks obtain funds on the interbank market to relend for investment purposes. Investment firms, by comparison, act on behalf of other concerns, by selling their equities or securities to investors, for investment purposes. ref http econ161.berkeley.edu pdf files Americas Steps.pdf J. Bradford De Long & Carlos D. Ramirez, Understanding America s Hesitant Steps Toward Financial Capitalism , 1996, UC Berkeley ref Social implications The meaning of the term Financial capitalism however goes beyond the importance of financial intermediation in the modern capitalist economy. It also encompasses the significant influence of the wealth holders on the political process and the aims of economic policy. ref http www.levy.org pubs wp275.pdf Dimitri B. Papadimitriou & L. Randall Wray, Minsky s Analysis of Financial Capitalism, 1999 ref ref http www.theatlantic.com doc 200905 imf advice Simon Johnson, The Quiet Coup , May 2009, The Atlantic. ref Views on Financial capitalism Some writers, like Ravi Batra , consider Financial capitalism the final stage of capitalism, ending in financial instability and depression. See also Late 2000s recession Finance capitalism Financialization Financial capital References reflist DEFAULTSORT Financial Capitalism Category Economics Category Capitalism ... more details
, to others who support enhancing the power of the government to find financial information in order ... leads financial institutions selling things like balances and transaction information to telemarketers. Financial services companies, those that offer both banking, insurance , and investment products however say that the issue and attempted legislation on the topic was brought on by smaller financial ... legislation which forbids financial institutions from sharing information with other companies, single product line financial institutions could cripple integrated financial services companies because ... under separate company affiliates within a holding company. Most financial services companies claim that they never had sold information to non financial services companies. Some critics of financial ... they believed that the financial services integrated business model was fundamentally wrong however .... See also Bank secrecy Right to Financial Privacy Act Financial cryptography Privacy Category ... more details
Infobox Company company name Chrysler Financial company logo type Subsidiary successor fate key people location Farmington Hills, Michigan foundation Chrysler Credit Corporation website http chryslerfinancial.com Company Website num employees industry Auto Loans br Financial Services products Chrysler Financial Canada br Chrysler Financial Mexico br Chrysler Financial de Venezuela CFdV . owner Toronto Dominion Bank website URL http www.chryslerfinancial.com Chrysler Financial is a http corp.chryslerfinancial.com news business restructure.html financial services provider formerly part of Chrysler LLC , formerly known as Chrysler First Financial Services Corporation. The company was founded in 1964 by Chrysler Corporation and became a standalone company in 2007, when Chrysler Corporation was purchased by Cerberus Capital Management . Both automotive based finance companies offer wholesale finance plan s of many kinds dealer finance plans, dealer services, retail consumer finance plans, lease programs and auto insurance programs. Chrysler Financial supported financial products and services to both dealers and consumers of Chrysler , Jeep and Dodge vehicles in United States , Canada , Mexico , Puerto Rico and Venezuela . It was based in Farmington Hills , Michigan with a final total of 3,600 ... Financial was the recipient of 1.5 billion from the Troubled Asset Relief Program . The company said that it used the money to fund 85,000 loans to purchase Chrysler automobiles. Chrysler Financial ... financial pays back its tarp loan ref In December 2010 , Toronto Dominion Bank announced it would acquire Chrysler Financial for 6.3 billion from private equity firm Cerberus Capital Management . ref http www.foxbusiness.com markets 2010 12 21 td bank buy chrysler financial billion TD Bank to buy Chrysler Financial for 6.3B ref See also Economy of metropolitan Detroit External links official http ... in 1925 Category Financial services companies of the United States Category Chrysler Category Companies ... more details
distinguish2 IMG Financial Group of the United States Infobox Company name IGM Financial Inc. logo type Public genre foundation founder location city Winnipeg, Manitoba location country Canada location locations area served key people Charles R.Sims industry Asset Management products services market cap 9.6 billion USD 2008 ref name zenobank revenue operating income net income assets equity owner num employees 3,343 2008 ref name zenobank cite web url http zenobank.com index.php?symbol CA IGM&page quotesearch title Company Profile for IGM Financial Inc CA IGM accessdate 2008 10 08 ref parent divisions subsid homepage http www.igmfinancial.com www.igmfinancial.com footnotes intl aum C 101.7 billion 2008 ref name marketwire IGM Financial Inc. tsx IGM is a Canadian financial services company, with 101.7 billion in total assets under management at the end of 2008. ref name marketwire http www.marketwire.com press release Igm Financial Inc TSX IGM 934632.html IGM s financial statement ref The company offers financial planning, mutual funds and a range of other investment products and financial services. Its activities are carried out principally through Investors Group, Mackenzie Financial Corporation and Investment Planning Counsel. As of 2010 IGM was 59.8 owned by Power Financial . ref http www.igmfinancial.com english corporate governance statement corporate.asp ref In October 2008, IGM s Investors Group Inc. was named one of Manitoba s Top Employers , which was announced by the Winnipeg Free Press newspaper. ref cite web url http www.eluta.ca top employer investors group title Reasons for Selection, 2009 Manitoba s Top 20 Employers Competition ref References reflist External links http www.igmfinancial.com IGM Financial Homepage http www.investorsgroup.com Investors Group Subsidiary http mackenziefinancial.com Mackenzie Investments Subsidiary Power Corp Winnipeg Corporations Category Companies based in Winnipeg Category Financial services companies Category S&P TSX Composite ... more details
Cleanup date April 2008 Unreferenced date April 2008 Financial mismanagement is management that, deliberately or not, is handled in a way that can be characterized as wrong, bad, careless, inefficient or incompetent and that will reflect negatively upon the financial standing of a business or individual. Category Corporate governance Econ stub Business stub ... more details
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