Bankruptcy Explained – What is the difference between Chapter 7 and Chapter 11?

Before you search, you can believe that failure is simply the process followed by people to get out of paying their financial obligations. The failure is actually very complicated, and neither option (Chapter 7 or Chapter 11) will allow anybody to pay all your debts!

Chapter 7 bankruptcies are often described as "liquidation" bankruptcy. "Chapter 7 bankruptcy may be filed by individuals, partnerships, companies or other businessesEntity.

If an individual or a company is filing Chapter 7, is because they have the ability to reorganize their debts and are forced to sell many of their assets to pay creditors. A trustee has been appointed the filer and is responsible for ensuring that all assets are protected and can be sold, sold – and that the proceeds are from the sale to creditors states that the purchase was blocked first.

When the sale of secured assets lead to greaterThe money that is, the secured creditors who are owed in cash and assets are grouped and paid unsecured creditors in place, providing the person or company had made available.

One of the main reasons why individuals and organizations to file a Chapter 7 bankruptcy is the discharge of debts eligible and have a fresh start. A debtor who files Chapter 7 has successfully unleashed any liability for the debts – but there are many types of debts that are not redundant,used, including loans for college, child and / or food or a lien on a property. The discharge of debts under a Chapter 7 is available only for individual borrowers – not partnerships or other types of businesses.

Once the proper documentation is filed with the court, the chapters begin 7, creditors must stop trying to contact the debtor to collect the debt.

An individual may be denied discharge debts under a Chapter 7 case if the judge decides to keep the individual (orproduce) adequate financial documents, a crime committed perjury, the loss of property was hidden, destroyed or illegally transferred property to explain, trying to pass and move them from the estate, or bankrupt, financial management of the debtor of all necessary bankruptcy.

Chapter 11 is called "rehabilitation" failure. "Person or company under Chapter 11 May – or may not help the creditors of the debtor in some file-fileSituations. Most Chapter 11 bankruptcies were filed by companies or other businesses and not individuals.

In this type of bankruptcy, debts are reorganized so that the individual or business a greater chance of paying them back and keep your head above water. Creditors will be contacted to get the various terms of any loans – interest rates may be reduced, the amount of time you have to repay a large debt to lower monthly payments and hopefully easiermanage. A trustee is appointed to monitor the activity, but nothing is sold at that time.

In a Chapter 11 bankruptcy, did not get rid of your debt – it is simply the restructuring and modification of the terms of the Notes and plans to return continually through future earnings.

If a company is planned for filing Chapter 11 to continue operating successfully. If this is not possible, then the company can file for Chapter 7 to liquidate and activities.

In botha Chapter 7 and Chapter 11 filing by a company, it is likely that common shareholders get little or no return on their investment.

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Filed under: Shareholders Articles | Posted on June 10th, 2010 by admin | Comments Off

Stock Trading – 5 types of actions that need to understand

There are basically two groups of stocks: common and preferred shares. Preference shares are comparable to bonds because their returns are fixed. Preferred shareholders get first dibs on dividends in good times and in assets if maybe the company goes under. In other words, the risk of a preferred shareholder is limited, are mainly interested in dividends. Very few companies issue preferred shares.

When investors talk about investing in stocks, refer toordinary shares. The vast majority of investors are in this class, shareholders will see a common size of some risk compared to preference shareholders, although the most common voting share holders command meetings.

The five types of measures discussed fall into ordinary shares. Understanding these stocks to significantly improve your stock trading prospect. I do not know your destination, when it comes to investing, one thing I know is thatSituation, one of five titles that best suits your purpose and temperament.

Actions of growth: are stocks with high growth potential, the fastest growing economy and sometimes as often as the stock market. The risk is minimal, investors are attracted to it because it pays well, is the growth in the long term. Investors in this stock know that is guaranteed in the long run their portfolios.

profit shares: investors who buy shares in this type ofdo this because the magic lived most of their profits. income shares for about 60% to 80% of investors as dividends compared to other stocks. Income stocks are virtually immune to changes in the market, since investors will always receive dividends.

Blue chip stocks head its name from the game of poker, the blue chips generally have the highest value. You are sector or industry leaders. There are big companies that have been around for a long time, they have a strongFundamentals. You pay stable dividends and stock bonus several times. Although prices are not growing much, are good options for retirement portfolios, are best suited for the long term.

VALUE shares: shares are cheap, there is great potential for growth, look at this way of selling stocks with a value below their real value, which makes them very attractive. If the low price of value stocks compared to a profit, you will understand why stock traders will be attracted.These are good opportunities for investors in its portfolio of interests.

Applicant: these are stocks whose performances are affected by fluctuations in the economy. If the economy reacts to the top or bottom of a bag is good applicant. Their performance depends on the dictates of the economy, then the best time to invest in shares, is again and again, when the economy is going well.

Your investment options that ultimately, you know what your goals areFirst, because it can be taken as a combination of these stocks in your portfolio, for the purposes of balance.

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Filed under: Shareholders Articles | Posted on June 9th, 2010 by admin | Comments Off

M1NT NYE Party 2008

For new Years Eve 2009 M1NT threw the best party in Shanghai, the night included the best drinks in the lounge area prepared by Shemsi Danielo: Hoti, Chef Dan Segall prepared the most delicious dinner dishes for all the guests Champagne flowed all night, and then the party was conducted by the famous DJ Clinton Sparks from LA Get Familiar

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Business Update: UK abode prices up

House prices rise in the United Kingdom, GM seeks alternative Opel bids, grim news for Arriva shareholders and Nestle confirms E-coli in its cookie dough.

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Filed under: Shareholders Videos | Posted on June 6th, 2010 by admin | Comments Off

Shareholders’ Agreement – The Basics

Incorporation and formation of a company is not an easy task. It involves a number of legal procedures to be fulfilled and a voluminous amount of paperwork to be prepared and submitted to the concerned authorities. Issues regarding the ownership and the setting up of the core management have to be decided upon. The business operations of the company cannot commence, unless these and all other issues are sorted out and streamlined. The shareholders‘ agreement is an important component of the company formation process.

Shareholders are people who share the company’s ownership right, though the percentage of ownership may vary. The constitutional documents of the company regulates the relationship of the shareholders amongst themselves and with the company. In case of a joint venture or small number of shareholders, the constitutional documents are to be accompanied by the shareholders‘ agreement.

Basically a shareholders‘ agreement defines the way in which the company would be governed and managed. It outlines the process using which the managers, directors and other decision makers of the company would be appointed, and whether the shareholders will play an active or a passive role in the day-to-day administration of the company.

It also talks about future disagreements (if any) amongst the shareholders and the way in which it should be dealt. Issues like shareholders wanting to sell his shares and opting out or even the company forcing a shareholder to opt out by buying is shares are also mentioned in the shareholder agreement.

This is just a rough sketch of what a shareholders‘ agreement might contain. The nature of the agreement might differ from company to company and from different types of companies. The agreement of a marketing and advertising concern, will differ from that of a high tech IT company. The agreement is like a rule book and is prepared in consultation with all shareholders who have to abide by it too.

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Filed under: Shareholders Articles | Posted on June 6th, 2010 by admin | Comments Off

The Death of Modern Management by Jo Owen (full version)

Modern management is dying under the weight of its own contradictions. The old order is giving way to a new world disorder. The revolution is happening before our eyes. The easy certainties of the past are over. Modern managements simplistic formulas have led to self-defeating conformity. We follow the latest fad but nothing improves because all our competitors are doing the same thing. So what now? Technology promises freedom but delivers slavery. Power is shifting from producers to consumers, from the West to the East, from shareholders to executives. Marketing has to make dreams, not just profits. Smart finance leads to crises not profits. Managers need to manage, not just consult grids. Leaders need to make things happen fast. Bestselling business author Jo Owen is your guide to this dazzling and exciting new world. The Death of Modern Management shows you how to turn risk into opportunity and succeed where others struggle. About Jo Owen Jo Owen is a bestselling business author, leader, social entrepreneur and speaker, who practices what he preaches. He was the best nappy salesman in Birmingham and put the blue speckle in Daz. He led a business in Japan for three years, has been a partner at Accenture, and was the architect of what is now HBOS business banking. He is the co-founder is four charities: Teach First, which is now one of the UKs top graduate recruiters, Future Leaders and Teaching Leaders, which develops leaders for urban schools and StartUp, which helps

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Sorrento Networks finally finds enough shareholders to OK restructuring plan. (Cyberbucks).(Brief Article): An article from: San Diego Business Journal

Sorrento Networks finally finds enough shareholders to OK restructuring plan. (Cyberbucks).(Brief Article): An article from: San Diego Business Journal Review

Sorrento Networks finally finds enough shareholders to OK restructuring plan. (Cyberbucks).(Brief Article): An article from: San Diego Business Journal Overview

This digital document is an article from San Diego Business Journal, published by CBJ, L.P. on June 2, 2003. The length of the article is 1502 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Sorrento Networks finally finds enough shareholders to OK restructuring plan. (Cyberbucks).(Brief Article)
Author: Mike Allen
Publication:San Diego Business Journal (Magazine/Journal)
Date: June 2, 2003
Publisher: CBJ, L.P.
Volume: 24 Issue: 22 Page: 10(1)

Article Type: Brief Article

Distributed by Thomson Gale

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Investing Online – Genius Funds Emerging Market Growth Fund

Genius Funds is an investment firm and operates two investment funds, yielding from 5 to 9% R.O.I. weekly. These are investments in real securities, options and futures. Because Genius Funds is located outside the scope of main regulatory bodies, investment methods, that are not permitted under various regulatory statutes in the United States, UK, and other developed and developing countries, are being utilized. These investment methods are normally only available to institutional investors or professional investors. This means higher profits being passed down to retail investors.

Today’s economic environment is very dynamic and complex. Fast developing technologies and expanding financial globalization provide a wide range of investment opportunities. Globalization allows an investors to invest in a Indian mutual fund, or textile plant in Singapore, or in any number of other expanding financial markets, all without ever having to leave the comfort of their home.

Emerging economies of Eastern Europe and East Asia are now providing some of the most lucrative and healthy investment opportunity environments available. The main type of global investment is the investment fund. This investment tool attracts the resources of many investors, world-wide, and invests them in a variety of stocks, bonds, and other securities. The main advantage of an investment fund is that it provides access to a range of sophisticated investments through a managed service.

Genius Funds has two investment funds: the Emerging Markets Growth Fund (EMGF) and the World Bond Market Fund (WBMF), as well as a High Yield Deposit Account (HYDA).

The EMGF investments are made in countries with S&P ratings of BB+, or higher. Investments are diversified across many industries, focusing mainly on the country’s leading industry, one producing 20%+ of the Gross Domestic Product (GDP). For example, the KASE stock exchange of Alma-Ata, Kazakhstan (S&P rating of BBB), where the fund is invested heavily in the energy market. Kazakhstan has one of the largest underdeveloped (non-OPEC) oil reserves in the world. The energy export of this market produces a major portion of Kazakhstan’s GDP. This section of the country’s economy has a very low likelihood of investment failure. The share price of the EMGF is $1 per share, and income generated by the fund is distributed to shareholders daily, at a rate of between 1.1 and 1.9 percent, based on amount invested in the fund. Shares totaling between $10-$499 (Common shares) earn 1.1% – 1.2%, $500-$4,999 (Preferred shares) earn 1.1% – 1.4%, and Premium shares earn 1.3% – 1.9% ($5,000+).

The WBMF mainly invests in investment-grade income-only securities. However, up to 30% of its funds may be invested into equities, futures, and commodities. The portfolio looks for long-term capital growth by investing in securities of companies located in emerging economies, in such nations as China and India, where social and/or business activity is in the process of rapid growth and industrialization, where growth potential is likely to outpace market expectations. Most countries in which Genius Funds invests WBMF have S&P ratings of BB+ or higher. Investments are diversified across many industries, focusing on industries producing at least 20% of a country’s GDP. Income generated with WBMF is distributed to shareholders weekly, at rates of 6%-6.5% for Common shares, 6.5%-7% for Preferred shares, and 7.4%-9% for Preferred shares.

The Genius High Yield Deposit Account (HYDA) combines high returns and the flexibility of your local bank. HYDA is a fixed interest deposit account with no term of deposit. This means that funds can be withdrawn at any time. The interest on the Genius HYDA is payable daily and there is a $300 minimum deposit requirement, balances falling below $300 stop earning interest. A ten-day notice must be given prior to withdrawing funds from your Genius HYDA account.

Interest rates for the Genius HYDA:

$300 – $2,000 14% Monthly
$2,001 – $5,000 18% Monthly
$5,001 – $50,000 25% Monthly

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Filed under: Shareholders Articles | Posted on June 3rd, 2010 by admin | Comments Off

Value-based Marketing: Marketing Strategies for Corporate Growth and Shareholder Value

Value-based Marketing: Marketing Strategies for Corporate Growth and Shareholder Value Review


ExxonMobil Chemical Marketing uses Value-Based Marketing: Marketing Strategies for Corporate Growth and Shareholder Value
by Peter Doyle together with Marketing Training Courses globally. Each year we consider the newer Marketing Strategy books being published, and each year Peter Doyle’s book is our chosen companion for our Marketing Courses.

Value-based Marketing: Marketing Strategies for Corporate Growth and Shareholder Value Overview

This book provides a clear practical introduction to shareholder value analysis for the marketing professional.  It gives them the tools to develop the marketing strategies that will create the most value for business.  For top management and CFOs the book explains how marketing generates shareholder value.  It shows how top management should evaluate strategies and stimulate more effective and relevant marketing in their companies.

The original essence of the first edition has been maintained but obvious areas have been updated and revised, as well as, new areas such as technology have been addressed.  The second edition of this book has been written by a ghost writer who has fully updated, enhanced and replaced statistics, case studies and other outdated content with the help of a select advisory panel, each of whom has acted as a subject expert, a guide and as part of a steering committee.

The highly prestigious panels of contributors include:

Jean-Claude Larréché – INSEAD

Veronica Wong – Aston Business School

John Quelch – Harvard Business School

Susan Hart – Strathclyde Graduate Business School (SGBS)

Michael Baker – Emeritus Professor SGBS

Tim Ambler – London Business School

Tony Cram – Ashridge

Table of Contents:

PART I

Principles of Value Creation

1      Marketing and Shareholder Value  

2      The Shareholder Value Approach    

3      The Marketing Value Driver    

4       The Growth Imperative    

PART II

Developing High-Value Strategies

5       Strategic Position Assessment

6       Value-Based Marketing Strategy  

PART III

Implementing High-Value Strategies

7      Building Brands  

8       Pricing for Value  

9       Value-Based Communications 

10     Value-Based Marketing in the Digital Age    

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Filed under: Uncategorized | Posted on June 2nd, 2010 by admin | Comments Off

Human Resources – Strategic Business Partner

Human Resources, with its diverse internal and external customer base, the ability to touch all levels of the organization and the legendary understanding of the organization’s environment could not be more suited for the critical role of a strategic business partner.

In General Electric’s recently published 2008 annual letter to shareholders, the CEO Jeff Immelt stated the following: “…..The secret to all of these dimensions of developing leaders is to have a great team of human resource professionals. Enduring companies must have a passion for people. GE has a great HR team that protects our valuable human assets. I want to give them special recognition this year….” For years, GE has acknowledged the success of Bill Conaty, their Senior Vice President of Corporate Human Resources. Bill Conaty is highly valued for his continued contribution to the organization. His insight and input have been invaluable. In a 2004 article written by Anne Freedman, Conaty himself stated: “I consider my real core competency and my value to the organization as being a human resource leader, but without having the business grounding, I don’t think I would be an effective HR partner.”

Organizations that consider their employees to be the most valuable asset cannot afford to not have human resources functioning in a true strategic business partner role. Human Resource professionals are equipped with the knowledge, skills, and abilities, the talent to partner with senior leadership to not only be involved in the strategic management of the organization but drive the implementation of it. As stated in “The 8 Practices of Exceptional Companies, How Great Organizations Make the Most of Their Human Assets” by Jac Fitz-Enz, “Strategic plans must be laid on a core strategy, a solid wall of values. Core strategies lead to strategic plans, organizational charts, operating plans, quantitative objectives, and ultimately, to specific human behavior and task performance.” Business oriented HR professionals can help design a strategic plan that balances the needs of the organization, its employees, and other stakeholders. It can help align the efforts of the various functions in the organization with the plan’s strategic goals, and it can support those functions by ensuring that they can recruit, develop, and retain the necessary company team members. HR, as strategic business partners should be the drivers of the organizations values thus the drivers of the strategic plan.

HR should be made responsible for owning the leadership and employee development, as well as direct all communication efforts, especially as it relates to the pulse of the employee population. Succession planning is an area that a strategic HR business partner should be involved in. As discussed in “Good to Great” by Jim Collins, having the right people on the bus, the wrong people off the bus, and the right people in the right seats is the key element to the success of any organization – who better than to manage the people process than a strategic HR business partner.

To fulfill a strategic business partner role, HR leaders must understand the organization’s business. In addition to fully understanding the business, HR must understand the environment in which it operates, the competition, and the circumstances that could influence the progress of the organization. HR can no longer focus on its own internal tasks. It must be responsible for ensuring that HR’s strategy, goals and priorities are driven by and aligned with the overall business needs. It must establish key business partnerships with senior management, as well as key figures in other functions within the organization. Although the operational role of HR, the day-to-day tasks required to run an organization are not strategic in nature, the responsibilities must mirror the goals of the organization. There needs to be a more integrated global company-wide process that considers how each of the HR programs can help move the entire organization in the right direction.

In addition to HR increasing its own knowledge of the organization and creating solid partnerships through collaborative communication efforts, increasing its knowledge in other areas is extremely important to being a successful strategic business partner. HR must increase its knowledge of Finance and Accounting, Marketing and Sales, Operations, and Information Technology and hone in on key business skills. Almost every activity in an organization can be referred to as a project. That is why it is important for professionals in HR to improve their project management skills. In addition to project management skills, strategic HR business partners must fully understand the strategic planning process. HR must be able to manage change, perform environmental scanning, and understand the importance of outsourcing and the process associated with outsourcing. Being able to manage technology and measure the effectiveness of all company-wide programs and efforts are equally important. HR should also be playing a vital role in leadership coaching, should be responsible for implementing strategies to become an employer of choice, and should be responsible for leading programs to safe guard your company performance from external elements.

To summarize, Human Resource professionals touch every level and every department in the organization. Due to the involvement across the company, employees at all levels get to know and trust the members of the HR team. Because of HR’s familiarity with the change management process and human capital development, successful companies benefit from having HR fully functioning in a strategic business partner role. If your company is not already doing so, allow Human Resources to be represented in meetings along side other senior leaders. There is not a more suitable functional group within the company to be responsible for leading the development of strategic plans, implementing key tactics, and measuring the organizations success in executing its plan than Human Resources.

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Filed under: Shareholders Articles | Posted on June 2nd, 2010 by admin | Comments Off

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