Monthly Archives: May 2012

Any Point For Student Study Financial For Bank

cost-push inflation

Persistently rising general price levels brought about by rising input costs. In general, there are three factors that could contribute to cost-push inflation: rising wagesincreases in corporate taxes, and imported inflation (when imported raw or partly-finished goods become moreexpensive, often as a result of currency depreciation). For inflation to be cost-push in nature, increases in input prices must affect a large proportion of the country’s producers, so as to be able to push up the general price level.

organizational structure

The framework, typically hierarchical, within which an organization arranges its lines of authority and communications, and allocates rights and dutiesOrganizational structure determines the manner and extent to which rolespower, andresponsibilities are delegated, controlled, and coordinated, and how information flows between levels of management. An structure depends entirely on the organization’s objectives and the strategy chosen to achieve them. In a centralized structure, the decision making power is concentrated in the top layer of the management and tight control is exercised over departments and divisions. In a decentralized structure, the decision making power is distributed and the departments and divisions have varying degrees of autonomy. An organizational chart illustrates the organizational structure.

headline inflation

A measurement of price iinflation that takes into account all types of inflation that an economycan experience. Unlike core inflation, headline inflation also counts changes in the price of food and energy. Because food and energy prices can rapidly increase while other types of inflation can remain low, headline inflation may not give an accurate picture of how an economy is behaving. Headline inflation is more useful for the typical household because it reflects changes in the cost of living, while core inflation is used by central banks because core inflation is less volatile and shows the effects of supply and demand on GDP better.

 stop order

Client’s order to a broker to buy or sell a commodity or security when a specified price is reached, either above (on a buy order) or below (on a sell order) the price current at the time the order is given. A stop order to sell becomes amarket order when the item is offered at or below the specified price. A stop order to buy becomes a market order when the item is bid at or above the specified price. See also limit order.

 SIMPLE 401(k) Plan

retirement plan sponsored by employers which is attractive for employers because it avoidssome of the administrative fees and paperwork of plans such as a 401(k) plan. Employersbenefit from the tax-deductible contributions made to the plan, and employees may elect to have salary deferrals in order to contribute to the plan. The employer has the option of matching a certain portion of the employee’s deferrals or making non-elective contributions to all eligible employees (an annual limit applies in both cases). A minimum compensationeligibility requirement exists for employees who want to join this plan, and employees cannot establish any other qualified retirement plans at the same time.


Particular item or thing, specially the one being acquired under a contract or purchase order. Distinct but integral part of a document (such as a contractconstitution, or statute) identified by a unique number. Piece of nonfictional writing on a specific topic, identified by its title and often by its author(s), and published with other such literary works.

 margin trading

Practice of buying stock with money borrowed from the broker. In this arrangement, the investormakes a cash down payment (called the margin) with the broker and can purchase stocksworth about twice the cash amount. The broker charges interest on this loan (in addition to thecommission on each buy/sell trade) and the investor has to keep the entire stockholding with the broker as collateral. Also, the investor has to put up additional cash in case the value of the stockholding falls below a certain amount. Margin trading is a double-edged sword – it cuts both ways. If the stock price rises, the investor makes twice as much profit as with his own cash only. Similarly, if the stock price falls, the investor loses twice the amount. In slang, this practice is called ‘investing on steroids.’

discretionary account

Power of attorney arrangement in which a customer gives limited or complete authority to an agent (bank, broker, orinvestment-portfolio manager) to buy and/or sell securities or commodities on the customer’s behalf without the customer’s prior approval or knowledge. Also called controlled account. See also managed account.

 gross profit margin

What remains from sales after a company pays out the cost of goods sold. To obtain grossprofit margin, divide gross profit by sales. Gross profit margin is expressed as a percentage.
For example, if a company receives $25,000 in sales and its cost of goods sold were $20,000, the gross profit margin would be equal to $25,000 minus $20,000, divided by $25,000, or 20%. Basically, 20% gross profit margin means that for every dollar generated in sales, the company has 20 cents left over to cover basic operating costs and profit.

generic strategies

Basic approaches to strategic planning that can be adopted by any firm in any market or industry to improve itscompetitive performance. The three fundamental marketing strategies (which, though different, are not mutually exclusive) are: differentiation strategyfocus strategy, and low cost strategy.

 hedge fund

fund, usually used by wealthy individuals and institutions, which is allowed to use aggressivestrategies that are unavailable to mutual funds, including selling shortleverageprogram tradingswapsarbitrage, and derivativesHedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressiveinvesting goals. They are restricted by law to no more than 100 investors per fund, and as aresult most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds paymanagement fee; however, hedge funds also collect a percentage of the profits (usually 20%).


promissory note or a corporate bond which (in the US) is backed generally only by the reputation and integrity of theborrower and (in the UK) by the borrower’s specific assets. When unsecured, it is called a bare debenture or naked debenture; when secured by a charge on a specific property, it is called a mortgage debenture.

 capital market line

A graph relating risk (as represented by the market portfolio’s beta) and the required return for the market portfolio. This is a positive, linear relationship that originates from the Capital MarketAsset Pricing theory which states that all investors will own the market portfolio (as opposed tosingle securities). However, the amount of risk they will take on is positively correlated toexpected return, where expected return = risk-free rate + portfolio beta * (the difference between the expected returnon the market as a whole and the risk-free rate).

debt-equity swap

transaction in which a corporation exchanges existing bonds (debt) for newly issued stock(equity). For example, XYZ company can in essence cancel a portion of their debt and transferthe equivalent balance to equity. A debt-equity swap can help a company that is in financialtrouble by canceling some of its outstanding debt. Other companies may take advantage of this process if the current value of their stock is high, allowing them to trade more debt for less stock.


Statistical technique of inferring unknown from the known. It attempts to predict future data by relying on historical data, such as estimating the size of a population a few years from now on the basis of current population size and its rate of growth. Extrapolation may be valid where the present circumstances do not indicate any interruption in the long-established past trends. However, a straight line extrapolation (where a short-term trend is believed to continue far in into future) is fraught with risk because some unforeseeable factors almost always intervene. See also interpolation.

 working capital

Current assets minus current liabilities. Working capital measures how much in liquid assets acompany has available to build its business. The number can be positive or negative, depending on how much debt the company is carrying. In general, companies that have a lot of working capital will be more successful since they can expand and improve their operations. Companies with negative working capital may lack the funds necessary for growth. also callednet current assets or current capital.

 financial statement

Summary report that shows how a firm has used the funds entrusted to it by its stockholders (shareholders) andlenders, and what is its current financial position. The three basic financial statements are the (1) balance sheet, which shows firm’s assetsliabilities, and net worth on a stated date; (2) income statement (also called profit & loss account), which shows how the net income of the firm is arrived at over a stated period, and (3) cash flow statement, which shows the inflows and outflows of cash caused by the firm’s activities during a stated period. Also called business financials.

 financial holding company

Financial company that handles a variety of financial transactions and whose services are monitored by the Federal Reserve Board. The lists of financial services that a financial holding company can provide were formulated under the Gramm-Leach-Billey Act of 1999. An institution whose services encompass at least 85% of those of a banking institution may apply to be a financial holding company. In 2008, American Express, a credit card company, was changed into a financial holding company.


Capacityknowledge, or skill that matches or suits an occasion, or makes someone eligible for a dutyofficeposition,privilege, or status. Qualification denotes fitness for purpose through fulfillment of necessary conditions such as attainment of a certain age, taking of an oathcompletion of required schooling or training, or acquisition of a degree or diploma. Qualification does not necessarily imply competencePrecise limitation (from general to particular) of language, scope, orterms that would otherwise be interpreted broadly or differently.


A metric for deriving the value of a business. Meaning Enterprise Value divided by Earnings Before Interest, Taxes, Depreciation and Amortization, it compares the value of a company, including debt and other liabilities to its actual earnings, not including non-cash assets. The resulting enterprise multiplecan be used to compare one company to another within the same industry, since the calculation is independent of the capital structure of a company. A lower enterprise multiple may indicate that a company is undervalued.


GeneralExchange of equal or identical advantages or privileges, such as removal of traveling restriction between twocountriesInternational trade: Lowering of import duties and other trade barriers in return for similar concessions from another country. Reciprocity is a traditional principle of GATT/WTO, but is practicable only between developed nations dueto their roughly matching economies. For trade between them and developing nations, the concept of relative reciprocity is applied whereby the developed nations accept less than full reciprocity from their developing trading partners.


The repurchasing of all of a company’s outstanding stock by employees or a private investor. As aresult of such an initiative, the company stops being publicly traded. Sometimes, the company might have to take on significant debt to finance the change in ownership structureCompanies might want to go private in order to restructure their businesses (when they feel that the process might affect theirstock prices poorly in the short run). They might also want to go private to avoid the expense andregulations associated with remaining listed on a stock exchange. also called going private. opposite ofgoing public.

The process of moving from a government-controlled system to a privately run, for-profit system.


Industrial action during which an employer withholds work, and denies employees access to the place of work. In effect, it is a strike by the management to compel a settlement to a labor dispute on terms favorable to the employer. When lock outaction is taken by several employers in concert, it is called a joint lockout. Also called shut out.

accounting policies

Principlesrules and procedures selected, and consistently followed, by the management of an organization (the accounting entity) in preparing and reporting the financial statements. Accounting policies deal specifically with matters such asconsolidation of accountsdepreciation methodsgoodwillinventory pricing, and research and development costs. Accounting policies must be disclosed in the annual financial statements. See also summary of significant accounting policies.

lookback option

Call or put option whose strike price is not determined until the option is exercised. At the time ofexercise, the holder can exercise the option at any underlying price that has occurred during theoption’s life. In the case of a call, the buyer will choose the lowest price, and in the case of a put, the buyer will choose the highest price. The premium on such options tends to be high since it gives the buyer great flexibility, and the writer has to take on a lot of risk.

 tax basis

Purchase price, including commissions and other expenses, used to determine capital gains andcapital losses for tax purposes. This can be determined by several methods. For a purchasedinvestment, the tax basis is the amount paid. If inherited, the tax basis is the value of the stock on the date of the original owner’s death. If received as a gift, the tax basis is the amount that was originally paid for the investment, unless the market value of the investment on the date the gift was given waslower. also called cost basis or basis.

seed capital

Comparatively small amount of capital contributed in the very beginning by a firm’s founder(s). It is rarely provided by lendersor institutional investors because startup is the riskiest stage in a firm’s life cycle with the highest chance of failure. Also called front end moneyfront money, or startup capital.

consistency principle

Accounting: The idea in accounting that once an accounting method is adopted, it should be followed consistently from oneaccounting period to the next. If, for any reason, the accounting method is changed, a full disclosure of the change and anexplanation of its effects on the items of the financial statements must be given. One of the duties of an auditor is to make sure the consistency principle is being followed because, without this, any change might make correct interpretation of thefinancial data impossible. Also called consistency concept. See also accounting concepts.

basis trading

An arbitrage strategy usually consisting of the purchase of a particular security and the sale of a similarsecurity (often the purchase of a security and the sale of a corresponding futures contract). Basistrading is done when the investor feels that the two securities are mispriced with respect to each other, and that the mispricing will correct itself such that the gain on one side of the trade will more thancancel out the loss on the other side of the trade. In the case of such a trade taking place on a security and the futures contract, the trade will be profitable if the purchase price plus the cost of carry is less than the futures price. also called cash and carry trade.


ManufacturingDevice or mechanism installed or instituted to guide or regulate the activities or operation of an apparatus,machineperson, or systemLawOwnership of controlling shares in a company. See management control.

planned economy

Type of economy that gives the government total control over the allocation of resources. A planned economy alleviates the use of private enterprises and allows the government to determine everything from distribution to pricing. Planned economies basically give the government dictatorship type control over the resources of the country. Planned economies can provide stability, but also can limit thegrowth and advancement of the country if the government does not allocate resources to the innovative enterprises.

work breakdown structure (WBS)

Project network-modeling step in which the entire job is graphically subdivided into manageable work elements (tasks). WBS displays the relationship of each task to the other tasks, to the whole and the end product (goal or objective). It shows the allocation of responsibility, and identifies resources required and time available, at each stage for project monitoring andmanagement. Also called activity decomposition chart.

swap rate

The difference, whether positive or negative, between the forward exchange rate and the spot rate for a given currency, usually expressed in points.

In the case of an interest rate swap, the market interest rate paid by the party responsible for the fixedpayments. In general, a well-defined market rate exists for this payment, and when a swap is initiated, the fixed rate paid is usually quite close to the market swap rate. However, as the swap matures the fixed rate paid on the swap stays constant, while the swap rate might change, and these two rates can diverge.


Critical appraisal involving examinationmeasurementtesting, gauging, and comparison of materials or items. An inspection determines if the material or item is in proper quantity and condition, and if it conforms to the applicable or specified requirements. Inspection is generally divided into three categories: (1) Receiving inspection, (2) In-process inspection, and (3) Final inspection. In quality control (which is guided by the principle that “Quality cannot be inspected into a product”) the role of inspection is to verify and validate the variance data; it does not involve separating the good from the bad

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Posted by on May 17, 2012 in Study and Read


Manny Pacquiao Banned From Hollywood Mall, Says He Has Gay Relative

Manny Pacquiao won’t be shopping with the stars ever again, as the homophobic boxing superstar has been banned from Hollywood’s ultimate entertainment destination.

Training in Los Angeles for his upcoming fight against Timothy Bradley, Pacquiao was scheduled to sit down for an interview Wednesday with “Extra” host Mario Lopez at the Grove, LA’s legendary shopping mall where celebrities and tourists mingle in overpriced shops, restaurants and movie theaters. But that interview won’t take place now, at least not at the outdoor mall.

LA Weekly’s Simone Wilson reports Pacquiao has been outlawed by the commercial center for his over-the-top anti-gay statements this week. While quoting Bible verses, the boxing star didn’t just say he was against the homosexual lifestyle, Pacquiao stunningly divulged gay men should be “put to death” for their sexual crimes.

Management at the Grove quickly issued a statement explaining why the boxer has been officially forbidden from entering the star-studded shopping mecca.

“Based on news reports of statements made by Mr. Pacquiao we have made it be known that he is not welcome at The Grove and will not be interviewed here now or in the future. The Grove is a gathering place for all Angelenos and not a place for intolerance.”

Since then, it has come out that the original article attributed a quote to Pacquiao that he never said.

From the Village Voice:

Granville Ampong, the “conservative examiner” over at (a news website that lets just about anyone submit articles) now says Pacquiao never referenced the offensive passage taken from Leviticus 20:13, which states that “if a man lies with a man as one lies with a woman, both of them have done what is detestable. They must be put to death; their blood will be on their own heads.”

Still, the prejudiced pugilist attempted to defend his position with media in the Philippines.

“I only gave out my opinion that same sex marriage is against the law of God,” he told ABS-CBN’s Dyan Castillejo. “I’m not against gay people … I have a relative who is also gay. We can’t help it if they were born that way. What I’m critical of are actions that violate the word of God.”

Pacquiao, long a darling of Madison Avenue, figures to lose a number of endorsements and fans over his intolerant, bullheaded position.

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Posted by on May 17, 2012 in News in Yahoo


I’m so sorry, but

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Posted by on May 12, 2012 in love


I fell in love with you

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Posted by on May 12, 2012 in love


Broken your hart

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Posted by on May 12, 2012 in love


I’ll love you forever with all of my heart

I love you so deeply

I love you so deeply,
I love you so much,
I love the sound of your voice
and the way that we touch,
I love your warm smile and your kind
thoughtful ways and the joy
that you bring to my life everyday,
I love you today as I have from the start &
I’ll love you forever with all of my heart!


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Posted by on May 12, 2012 in love


“I’m Sorry, I Love You”

“A Story about Extreme, Death-Defying Love”

– This is a really sad love story.
“I’m Sorry, I Love You” is a story about Cha Mu-Hyeok (So Ji-seop), who faces death everyday with two bullets stuck in the head, and Song Eun-Chae (Lim Su-Jeong), whose chance encounter with him develops into an extreme love affair.

“I’m Sorry, I Love You” begins with a man’s fight for revenge
Cha Mu-Hyeok is a show business manager who plans to take his revenge on his birth mother for having abandoned him. After being abandoned by his mother, he was adopted by an Australian family at the age of two. He, however, left his foster home when he was 10 because of his adopted parent’s ill treatment. He is a man making a living as a henchman of a street gang, a pimp, or a drug pusher.

“I’m Sorry, I Love You” is a story about an extreme love affair of two men and a woman
Though he has been hit with bullets in the head, Cha Mu-Hyeok insists on going to Korea to see his birth mother determined to die in his birth country. Contrary to his belief that she abandoned him for poverty, his birth mother turns out to be a top movie star and his twin brother also a top star. In a plot to revenge himself on his mother, Mu-Hyeok volunteers to work for his twin brother, Choi Yun (Chung Kyeong-Ho), as his manager in a bid to run him. In the process, Mu-Hyeok falls in deep love with Yun’s program coordinator, Song Eun-Chae.

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Posted by on May 12, 2012 in love


I’m Sorry I Love You (Misa)

Reviewed by: jeffer October 18, 2005

Rating: five

Many reviews have been written of this show, but I cannot help but put my two cents in.

Main Cast:
Cha Moo-hyuk: So Ji Sup
Song Eun-chae: Im Soo Jung
Choi Yune: Jung Kyung Ho
Kang Min-joo: Suh Ji Young
Jo Mal-bok a.k.a. Oh Deul-hee (Yune’s mom): Lee Hye Young
Yoon Seo-kyung (Moo-hyuk’s twin): Jun Hye Jin
Kim Kal-chi (Seo-kyung’s son): Park Gun Tae

Brief Synopsis:

After a mishap in his adopted country Australia that resulted in a bullet lodged in his skull, streetsmart con artist Cha Moo-hyuk goes home to Korea to die in his native land and find his poor mother who has ‘abandoned him’, just so he could give her the good life.

Only, it turns out that his mother is former actress Oh Deul-hee who is still as famous (and filthy-rich) as her dear son, pop star Choi Yune.

Choi Yune is sweet, but a spoiled brat, too. His coordinator/stylist is Song Eun-chae whom he has grown up with and is considered his best friend. Unbeknownst to him, Eun-chae has been holding a torch for him all those 20 years, hurting in silence even as he pursues actress Kang Min-joo, who also happens to be Eun-chae’s high school friend.

Their lives collide when Moo-hyuk goes back and realizes that his mother is not the desitute poor woman he thought she was. He plots revenge, wanting only to destroy his mother and his popular brother. Adding insult to injury is the discovery that he has a twin Soo-kyung, who is ‘not normal’ and lives with a son whose father she does not know.

What complicates things? When Moo-hyuk and Eun-chae fall for each other. Skilfully Moo-hyuk plots to bring about the downfall of his mother and brother, using any means necessary. The clock is ticking. His time is running out. He thirsts for vengeance but his love for Eun-chae reaches great heights. And the bullet in his brain is slowly killing him.


I will try to look at this initially from a writer’s POV.

Excellent story.

What I liked about this drama is its take on the typical K-drama. Sure there are still the underlying themes of selfless and sacrificial love, but here we see different faces of that love. First and foremost this is about the love of a mother for her son, and the son for a mother. Different levels, different circumstances, but same burning intensity.

Amazing characters.

Many of the characters here are ones I wished I’d created. Cha Moo-hyuk, for instance, he is a hardened street thug, a betrayed lover, a sacrificing boyfriend, an angst-ridden abandoned child, a brother who worries over his sister, a caring uncle, a seducing playboy, and, in my opinion, the deepest aspect: a lonely son longing for a mother’s love.

He sports a lot of looks here, but he still looks good. Yeah, I admit that I find him gorgeous in an ‘under-the-radar’ sort of way.

Song Eun-chae. Seemingly weak and gullible, a literal pushover. But her strength comes out in different ways. I like that her pity and guilt over Choi Yune’s plight does not push her to lie about loving him. She sticks to what her heart tells her.

Choi Yune. It is hard to hate this guy. Spoiled brat, but he is still adorable. There is still that goodness in his heart that simply is endearing. When he tries to manipulate the circumstances to his advantage, one would feel a slight annoyance, but I am telling you, it is hard to hate him.

There is also the fact that this show has no villain. No antagonist. In the beginning it would seem that a character is hateful, but as the story progresses, our expectations are turned around drastically. There is no black and white when it comes to the characters.

The mother, Oh Deul-hee, for example. She initially appears as an evil and superficial character, but that perception takes a complete turnaround as we find out more.

The shots are precious. The camera positionings and subtle undertones of longing (ex. Moo-hyuk standing before a portrait of his mother and Yune, blocking Yune) dispenses with the use of words to convey what is going on.

Flawless performances.

With this series, So Ji Sub now ranks at the top of my list of actors that are ‘real actors’. Although this is an ensemble effort, I’d have to admit that he carried most of it. No one else could fit the shoes of Cha Moo-hyuk better than he did. Perfect, just perfect. He can dole out a dozen emotions with his eyes with just a single look, and that is quite a feat.

His chemistry with Im Soo-Jung is also strong. They have only a handful of scenes together (except towards the end where they spend more time) but they make each of those scenes precious.

I am glad they did not get a ‘drop-dead gorgeous’ girl to play Eun-chae. Im Soo-Jung is beautiful, but not what you’d rank with the likes of Song Hye-gyo or Son Ye-jin or Han Chae-young in the looks department. However, she played her role to the hilt that her beauty shines through with the way she acts.

I watched the mother and I went, WHO IS SHE? Why haven’t I seen her before? She is AWESOME! Hands down, I loved her. Her hysterics, her devotion to her son, her cruelty to Moo-hyuk, her guilt trips, even her complaining. She is just fabulous!

‘Marking’ scenes.

Many scenes in this show, again, I wished I’d written. Among them:

– Moo-hyuk bathing his sister Soo-kyung
– Eun-chae standing in the middle of the street, Moo-hyuk coming up behind her and wrapping her inside his jacket
– At the bench, when Moo-hyuk laid his head in her lap while she sang to him. He gets another attack of the pain, and she urges him to simply scream with the pain
– Kal-chi (great performance from this kid!) finally realizing that his uncle is dying
– The drinking session of Moo-hyuk and Yune, when another revelation pops out from Yune
– When Moo-hyuk was eating the noodles his mother cooked for him. He is crying as he silently pledges his love for his mother…

I could go on and on.

I do not mind the end. It was masterfully done. In the end, Eun-chae’s father was punished. Eun-chae finally got to decide for herself. Moo-hyuk will no longer be lonely.

It only pains me that Moo-hyuk still did not seem to get the recognition that was due him. But at least he got closure.

A must-see. Truly a must-see. In my opinion the best K-drama I have ever seen. Ever. And I do mean. EVER.

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Posted by on May 12, 2012 in love


Sorry I Love You

For all of the time that I tried for your smile
For making you think that I was worth the while
So your love love love love love would be mine
For sending you flowers and holding your hand
That no one was there to take a stand
But then love love love made us blind

And I’m so sorry that I hurt you
Sorry that I fell through
Sorry I was falling in love with you
I’m sorry that it came true
But sorry doesn’t turn back time
For all that I have done to you
I wish that I could make it right
So sorry that I loved you
Sorry that I needed you
Sorry that I hold you tight

And I’m So sorry for
Making you love me and saying goodbye
For being the one that taught you how to cry
It was love love love and it passed us by
For giving you every thing that you dreamed
For taking it back when I fled the scene
Sorry love, for wasting your time

And I’m so sorry that I hurt you
Sorry that I fell through
Sorry I was falling in love with you

I’m sorry that it came true
But sorry doesn’t turn back time
For all that I have done to you
I wish that I could make it right
I’m so sorry that I loved you
Sorry that I needed you
Sorry that I hold you tight

And apology now after all of this time
Won’t make my difference tonight
But I’m hoping I’m Sorry will open your mind
To love love love love in your life

Sorry that I hurt you
Sorry that I fell through
Sorry I was falling in love with you
I’m sorry that it came true
But sorry doesn’t turn back time
For all that I have done to you
I wish that I could make it right
So sorry that I hurt you
Sorry that I fell through
Sorry I was falling in love with you
I’m sorry that it came true
But sorry do can’t turn back time

I’m sorry that I loved you
I’m sorry that I hurt you
I’m so sorry that I loved you
I’m sorry that I hurt you
Sorry that I loved you…


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Posted by on May 12, 2012 in love


Love Love and crazy love happy love (^^)

When we first kissed
When we first kissed
I realized I would never be the same again.
Ever since that day my mind and my heart are with you.
For love is heaven

For love is heaven, and heaven is love

Relationships are not about

Relationships are not about
whom you ‘ve knwon the longest or
who cared first or who cared best
it’s all about who came and never left



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Posted by on May 11, 2012 in love