Workship for energy efficiency energy savings. Finance Energy

Shale Energy Insider

For Energy Efficiency Understanding Finance Models

a bit about..


Is an organization about Energy Finance. The growing energy efficiency finance marketplace, highlights that businesses, motivated by the potential for cost cutting, are embracing energy efficiency. Scale up energy efficiency, the vast majority of commercial and industrial buildings .

Most Recent Stories

Featured Post
Energy Power In Different Ways

Energy Power In Different Ways

You switch on a device or plug it into the socket and it works. Although power always comes from the...

Helping Countries During This Financial Crisis

Helping Countries During This Financial Crisis

High prices for fuel and food combined with the world’s financial crisis are a triple hit that threatens the survival...

What are the Role of Oil and Gas in Global Business

What are the Role of Oil and Gas in Global Business

The top two components of global trade are crude and refined petroleum. Oil is both the life blood and poison...

The Economics in Fuel

The Economics in Fuel

Some people may not notice it, but Fuel has been a very important aspect not only in the automobile industry...

1 2


2014 09 12 Firm Agrees Not To Discharge Unconventional Drilling Waste Fom Marcellus Shale
Read Article...
2014 09 08 Penneast Pipeline Successfully Closes Binding Open Season For Proposed Pipeline
Read Article...
2014 07 09 Shale Development Changing Economy And Environment Of Carroll County Ohio
Read Article...
2013 12 17 Pgnig Sa And Chevron Polska Plan Joint Shale Gas Exploration In Poland
Read Article...

The Future of Energy Analysis and Valuation Finance Management Producing supplying energy. Industry companies involved in the exploration and development of oil or gas reserves, oil and gas drilling, and refining.

Latest Posts


How Residential Real Estate Market Copes During COVID-19

House and Lot



The COVID-19 crisis substantially impacted the residential property market this spring. Health issues and stay-at-home orders contributed to fewer buyers searching for houses and fewer sellers keen to record their own possessions or let strangers enter their own houses through a pandemic.

Regardless of the steep recession during the first spring, house sales rebounded from the summertime. At exactly precisely the exact identical period, the health catastrophe created an economic toll on the kind of project losses and doubt.

Fears in the 2007-09 housing catastrophe linger in the minds of many, as a few homeowners have fought to make mortgage obligations along with the unemployment rate stays at historical highs. Due to the pandemic, most families are reconsidering their home requirements, as their houses are very substituted for schools, offices, restaurants, and recreation centers.

What Happened and Why?

Home sales in April and May fell to their lowest rates since the home and financial crisis which started in 2007, with lots of homeowners reluctant to sell in the aftermath of this pandemic. The amount of delisted houses increased over 25 percent from 1 year ago during early March to early April.

New listings were down over 40 percent in April compared with the exact identical period this past year. Due to a scarcity of brand-fresh listings along with the already low stock, the source of a home dropped to new highs. Inventory of homes available decreased 17 percent in April compared with the identical period this past year.

Buyers also decreased their home-buying action. Home showings per record from the U.S. were over 40 percent in April compared with the identical period this past year. Other steps of home requirement — for example, online search action, inquiries for representatives and provides made–were down sharply in April.

Ordinarily, a huge decrease in the need for new house sales would come with a fall in costs. On the other hand, the coronavirus chaos in the spring failed to lead to substantial price declines. The blend of reduced supply and low mortgage rates permitted costs to stay stable during April and May. Costs of houses sold were up throughout the pandemic in comparison to last year, compared to the cost declines seen throughout the 2007-09 catastrophe.

Residential property activity is dependent mostly on local conditions, therefore while almost every significant metro region experienced a substantial decrease in real estate action throughout the spring, a few locations that were hit harder by the stunt found particularly steep falls. New York City, by way of instance, experienced a 58% decrease in coming home sales in April compared with the previous year. Detroit, in which most property action has been believed blindsided through early May, found a 74% decrease in impending sales. In contrast, U.S. metro regions confronted a 33% decrease normally.

Home earnings in the Federal Reserve’s Eighth District metropolitan statistical areas (MSAs) confronted similarly big, however slightly more subdued, and declines in comparison to the national average, as shown in the table beneath. The marginally less severe reductions in real estate action during early spring are more consistent with the reduce COVID-19 instances and less restrictive stay-at-home dictates in District MSAs in comparison with people in different MSAs nationally.


ALSO READ: How Can You Be Sure that You’re Getting the Right Investment Decision?


Need Recovers, Supply Remains Low

Regardless of the large fall in house sales on account of this pandemic, property action started to increase from the late spring, even upcoming pre-pandemic amounts by the summertime. Prospective buyers began to maximize their home search and buy action from the end of May.

Pending earnings in U.S. metro regions, which have been more than 30 percent in April, grew up nearly 30 percent by August over the year’s earnings during precisely exactly the exact identical period. Home showings per list climbed in their lows in March and April and so have been well over pre-pandemic amounts by May, helped by the rise in online and distant viewings.

Housing distribution didn’t recover at precisely exactly the exact identical pace. New listings, even though advancing in their April highs, were just marginally higher than 1 year past August. Consequently, inventory continued to decrease: In August 2020there were significantly less than two-thirds the number of houses available because there had been in August 2019. While medical concerns will continue to maintain sellers out of the current marketplace, surveys indicate the general financial instability and the inability to buy another home will also be keeping homeowners set up. Thus, the rise of real estate agents (see for example) to help home sellers during these trying times.

District MSA revenue action has recovered from the predecessors: From August earnings were above amounts from this past year in most of the most significant District MSAs. Similar to national trends, stock in each one of the four District MSAs fell more than 30 percent in August compared with the exact identical period this past year. Home prices rose substantially in July and August, together with all the Memphis MSA seeing particularly substantial cost increase by August.

Despite some progress in the market, increased unemployment and financial instability might continue to influence the home market through 2020 and beyond. Throughout the 2007-09 financial catastrophe, tighter and foreclosures lending procedures locked many from homeownership for many decades. There are indications of those long-term consequences.

Following a small gain in the first quarter, over two-thirds of senior loan officers reported tightening lending criteria during the next quarter, as demonstrated by a poll from the Federal Reserve Board. Many families reported facing challenging financial conditions and overlooking mortgage and rent payments. Mortgage forbearance plans and moratoriums on foreclosure proceedings have helped maintain foreclosure prices and severe delinquency rates reduced. But, things can get tough for homeowners–especially low-income and minority homeowners–because these programs perish.

Longer-Term Home Outlook

Though the present recession wasn’t driven by means of a housing crisis, the home market prognosis is unclear due to the abrupt financial downturn and steep job losses. But, there are a number of indicators of a return to usual. Buying requirements for homes have improved and return to wherever they were just one year ago, according to the August Michigan Survey of Consumers.

Many families cite “great buys accessible” and very low interest rates since the principal motives, while a year ago, much more families cited “wealth” and “home as a fantastic investment.” An August Conference Board survey noted that the proportion of consumers intending to get a house over the next six weeks has been exactly the exact same as it was just one year ago.

Much comment continues about the way in which the pandemic will reshape the character of home and work. Employees able to operate from home might put less significance to get sail and proceed further from the workplace. Additionally, families are replacing home comforts (swimming pools or swing places) with neighborhood amenities (parks or stadiums). This change also puts a higher significance on the particular qualities of a home and not as much on its own place.

It’s not clear to what level these changes will likely probably be irreversible or will undo. By way of instance, operating from home through a pandemic could possibly be effective when leisure and in-house media opportunities are infrequent. Home is a long-term investment and the most significant advantage for many families, so if tastes do eternally alter, the immediate financial instability may remain potential buyers to the sidelines for a while. Using a limited supply of stock, a continuing increase in house prices can make it hard to behave on such prospective movements.


Investments Help Fuel Economic Growth

An investment is money placed into an investment product with the hope of future gains or profits. Bonds, stocks and shares are examples of investment products that investors expect to benefit from. The money that you invest today is expected to be given back in the future but with a higher value.

Making an investment could also mean dedicating money to capital spending, building the capability of an entity to generate goods and/or services that it markets. In terms of national economy, these investments are resources that are returned to the economy to fuel economic growth as well as productivity. Hence, making investments does not only benefit the investor but the economy as well.

If you plan to make an investment, there are a lot of markets to participate in. To gain access to these markets, such as the stock market, forex market, and cryptocurrency market, you will have to choose a reliable broker to partner with. For instance, ROinvesting is a brokerage firm that offers its clients, whether professionals or beginners, CFD trading on an array of assets, like forex, commodities, and stocks. Is roinvesting legit? Yes, it is. Although they are new in the industry where they only started operating in 2017, the online broker was honored in the Awards 2018 by the Global Brands Magazine as the Best Customer Service Broker in Europe and in 2019 the Best Trading Experience by

Economic Growth – What Is It?

On an individual level, making an investment could mean expending money on one’s own business or investing money into investment products, like stocks and bonds as well as other products and resources that are intended to generate and provide profits, either short term, long term or both.

As mentioned, investments drive economic growth. Economic growth happens when it sees a rise in the amount exchanged goods and services over a particular span of time, which is frequently measured making use of Gross Domestic Product (GDP). In terms of national accounting, growth is every so often adjusted for inflation values over time to present a measure of the growth of the economy in a more realistic manner. This could be measured utilizing the following factors:

  • Labor Intensity (the hours worked by the working population)
  • Labor Productivity (the output of goods/service produced at a period of time)
  • Participation Rate (the percentage of labor population who are working)
  • Demographics that compare the working-age of the labor population against the whole population

Investments and the Economy

Basically, investment directs towards the improvement of productivity, and when there is improvement in productivity, this would lead to growth. With this growth, more investments are put in and profits improve. In an idyllic and perfect economy, this kind of cycle is endless. This then would portray how investments play a major and crucial role in the growth of an economy.

Conserving Fossil Fuels

It is important to conserve fossil fuels for the benefit of the next generations.

Renewable resources of energy. These are energy sources that can be used repeatedly. We can get renewable energy from the sun, wind and water.

Non Renewable resources which once completely used, takes a lot of time to be formed again. Good examples of these are coal and petroleum.

There are inexhaustible resources that are unlimited or abundant and are unlikely to get exhausted by human activities. Examples of them are windmills, sunlight, soil and many more. Fossil fuels such as coal and petroleum are exhaustible. They take millions of years to form from planet and animal remain. However, necessary that we use these fuels judiciously and only when absolutely necessary. This is called conservation of energy.

We should always apply the 4R’s in conserving.

  • Reduce
  • Recycle
  • Reuse
  • Recover

Understanding Why North Carolina Has Extensive and Stricter Car Insurance Laws

Driving on urban roads in North Carolina is generally safer than on rural roads, where rolling hills, rocky surfaces and even livestock crossings are common. Actually, road conditions are major factors that have contributed to the high statistics of fatal rural traffic accidents in the Old North State. That is one reason why the car insurance requirements in this region are extensive, while both local and state police are quite active in enforcing traffic laws in the Tar Heel State.

Still, North Carolina has a lot to offer for leisurely road trips with its scenic mountain views and picturesque coastal villages. However, since the scenic roads crisscross from the mountains to the coastal areas, North Carolina’s rural roads are regarded as more dangerous compared to the state’s urban routes. A 2017 study conducted by Travel Reporting and Information Processing System (TRIPS) a national transportation safety group, revealed that 10 percent of the Old North State’s rural roads are in terrible conditions, while 20 percent are in not so good shape.

Statistically, about 62 percent of deadly car crashes in North Carolina occur on rural byways, while 37 percent took place in urban roads. Generally, motorists in the Old North State must always buckle up, observe speed limits and focus intently on the road in order to stay safe, as well as to avoid being slapped with costly traffic safety violation tickets.


North Carolina’s Insurance Requirements

Insurance requirements in North Carolina go beyond the minimum third party insurance coverage required to protect third parties from the financial implications of bodily injury, damage, or loss as results of car accidents.

In the Tar Heel State, driver are required to carry uninsured/underinsured motorist (UM/UIM)coverage in addition to liability insurance for bodily injury or death, and for property damage:

The minimum liability insurance coverages in North Carolina are as follows:

  • $30K for bodily injury to or death of one person;
  • $60K for bodily injury ro or death of two or more persons
  • 25K for property damage;
  • UM/UIM insurance coverage of $30K, $60K and $25K for one, two or more and for property damage, respectively.

Actually, North Carolina is one of 21 states that require UM coverage, while also one of 12 states that require UIM coverage. The additional insurance coverage requirements make North Carolina a “tort-based” state, where an injured party can claim damages from the insurance provider of the driver at fault, regardless of who has been determined as the driver at fault.

The UM/UIM coverage takes into account the possibility of car crash accidents involving drivers who disregard insurance laws or those whose coverage are not sufficient to cover for cost-intensive injuries.

North Carolina Also Requires Non-Owner Insurance Coverage

North Carolina residents who do not own a vehicle because they prefer to lease a car, or who frequently drive a car owned by a family member, are also required to carry Non-Owner Insurance coverage while on the road and behind the wheel. Visitors to the Old North State, who are driving a rented car must likewise make sure that they’ll be able to present a Non-Owner Insurance to NC’s state or law traffic law enforcers. NC police are inclined to check such insurance requirements from drivers of vehicles bearing license plates issued by another state.

That is why if you are to go now to North Carolina either for business or leisure purposes, it would be to your best interest to obtain a Non-Owner Insurance from a North Carolina online insurance provider offering this type of coverage. Although car rental companies offer Non-Owner Insurance policy as part of the rental package, it would be a lot cheaper to buy one online from Non-Owners Insurance

Bio-Based Economy

Our economy relies heavily on fossil resources such as oil, natural gas and coal. This is not at all sustainable. Many are trying to transition to a bio based economy making use of renewable resources. Bio Economy is using resources that can be replaced. This makes use of organic materials such as plants and some organism. However, using this requires innovation, joint efforts and cooperation. With enough research and education, we can slowly achieve this.

Here are some ways we can achieve this.

  1. We need to transition to a Circular economy. Encompassing an efficient bio-economy with the use of low-carbon, resource efficient and sustainable industries. We should adapt techniques such as “Green chemistry.” This is a key to enable this transition.
  2. Access to the right infrastructure, partners, investments and time is vital.
  • Assess business cases
  • Partnerships
  • Market Analysis
  • Users and Investors
  • Overcome technical hurdles
  • Training

Fossil Fuel vs Renewable Sources of Energy

Many businesses are slowly moving to the use of green energy. They see this as a move to attain a growth that is centered to the people and the environment. This transition is better for every economy and best for all that exist on earth. The use of clean energy is being introduced to many business sectors. The use of energy and fuel is implanted in the daily lives of human being. It is responsible powering homes, factories, hospitals, transportation and many more. The use of energy and fuel is in fact an important element for economic growth. Fossil fuel still is the most common source of energy. Yet this causes pollution to our planet since it emits at least 75% of greenhouse gas emissions. The use of renewable energy is more promising since it will minimize the risk and it provides a wide dimension of opportunities for the economy and most importantly for the world to thrive.

Business: New customers are important

In general, new customer acquisition is an important topic for every branch of industry and trade. Sometimes, however, this is offset by high costs for the acquisition of new customers: advertising, possible discounts in sales and staff who have to take care of the needs of this customer group. At the same time, there is no guarantee that new customers will also become existing customers. There may only be a single delivery of products and/or services so that the cost of acquiring new customers does not pay for itself. As a business owner, you can mix your bitcoin with Coinomize to generate extra income.

Why are new customers important?

Depending on the respective industry and the size of the company, new customers are indispensable for various reasons.

Here is an overview


A start-up does not initially have any existing customers so that the path to generating sales, profit and market share leads exclusively through new customers. It is these early adopters who invest in a company whose future is still uncertain. Without the acquisition of new customers, start-ups cannot survive in the long term. At the latest when the investors turn off the money and the company has to stand on its own two feet, winning new customers is the only means of long-term survival.

IT system houses

These companies, which take care of the implementation of extensive IT measures in companies of all sizes, are usually happy about a very high conversion rate from new customers to existing customers. Because here the customer often pays not only for products but above all for service. If the customer is satisfied with the work of the IT system house, the chances are good that they will establish a lasting business relationship. In other words: new customers are often also existing customers. Even if no growth is sought, continuous expansion of the customer base is therefore strategically important.


Numerous manufacturers and suppliers rely on a manageable but very reliable customer base – such as in the automotive business. On the one hand, this guarantees steady sales, on the other hand, it creates a dependency on a few major customers. By looking around for new customers, industry-oriented companies maintain flexibility and can react more dynamically and successfully to the potential loss of important customers.

The Volatility In Fuel Prices

The price of fuel this year had been constantly changing. Sometimes it goes very high and sometimes low. During the start of the year, the rate per gallon in the United States was at $2.58. After 3 months it dropped down to 31% or $1.77 a gallon on April 2020. Then again went up 24% on July of the same year. This holidays the average price of gas by the gallon is at $2.22.






There are many factors that can cause the up and down in fuel prices. For this 2020 its fluctuating price was caused mostly because of the nation’s response to the pandemic. This was mostly the reason of its rapid change, and it is being unpredictably volatile. High Fuel prices are directly affected by the increase in crude oil prices. Crude oil accounts for at least 56% of the rate of regular gasoline. The remaining percentage will cost for distribution and some operational expense such as marketing, refining, and taxes. Oil prices directly affect the price of regular gas.

The Depletion of Fossil Fuels

Coal, natural gasses and oil are non-renewable sources of energy. They are also known as fossil fuels. A large percentage of these non-renewable sources are globally used as the main energy source that people consumes.

Plants, and other decomposing materials such as dead animals and the like are main sources of fossil fuels. They have existed since the beginning of time powering life here on earth. They are very valuable because it takes thousands of years to convert as an efficient source of energy. As of now they are the most accessible and cheapest source of energy because of this fossil fuels are continuously and indiscriminately being exploited. It’s being consumed at a fast rate. This in effect will impact greatly our environment. 






Economies around the world use this form of energy and many find it difficult to switch to another form of energy because it is expensive and complicated.

We should shift gear because  of its effects and implication to our ever-changing world. As stewards of the earth we are responsible for the future. We should all start by being responsible and accountable energy consumers. 

Save On Energy And Natural Resources, Save On Homeowners Insurance Coverage Cost

Your home and your belongings are perhaps your biggest asset and your largest financial obligation. You then need to have some form of financial protection to ensure you have the funds needed to pay for repairs or replacements in the event something terrible happens them.

Typically, homeowners purchase a Homeowners Insurance Coverage for three major reasons. One is to provide protection for their assets, like the structure itself as well as the items within. Two is to provide themselves protection from personal legal liabilities, and to provide mortgage lenders satisfaction who usually necessitate homeowners to purchase an insurance.

Homeowners Insurance Coverage

A Homeowners Insurance provides this financial protection that you require. In the event your home and your belongings are damaged, ruined or lost due to circumstances such as fire, hail, hurricane or robbery, your Homeowners Insurance Coverage could cover or pay for the repair or rebuilding of your home or the replacement of your belongings. There are four types of Homeowners Insurance Coverage that most insurers provide.

  • Home Coverage. This will pay for repair or rebuilding expenses if and when your home was hit by disasters that is specified in your policy. This could also include structures that are detached from your home such as a gazebo or a garage.
  • Personal Belongings Coverage. This pays for the value of your personal possessions that were damaged or lost, such as collectibles, furniture, electronics and clothing, due to circumstances stated in your policy. This may also include personal items that aren’t kept or stored in your property.
  • Liability Protection Coverage. This shields you from financial losses because of property damage as well as personal injury to others, like visiting guests who gets injured in your property, if you are found legally accountable. This as well covers damage caused by members of your family and even your pets.
  • Additional Living Expenses Coverage. If your home is unlivable because of the damage or you would need temporary shelter as your home is being repaired or rebuilt, this coverage finances the additional living expenses such as hotel and food costs as well as other expenses you might incur within that period of time.

Homeowners insurance offered by insurance providers differ with varying limitations as well. Hence, it is imperative that you carefully read and understand the policy before signing. Furthermore, the cost of insurance policies also varies and there are factors that raises or lowers the cost of an insurance policy.

Saving on Homeowners Insurance

Insurance providers asses the improvements that you have done to your home and check whether or not these improvements raise the value of your home and/or lessen the risk to insure. Many homeowners make several energy improvements to their homes in order to have both.

Smart Home technologies and IoT devices are now used by many homeowners as they have the capability to cut wastage on energy, water, heat and cooling, which actually helps you save money on utility bills. Furthermore, by using and installing such devices and technologies in your home, you could save on certain aspects of your homeowners insurance. In fact, there are insurance providers who have started to offer markdowns on these technologies that avoid and eliminate the wastage of natural resources as well as alert homeowners on natural threats.

Norway Now Focused on Seabed Mining in the NCS

As the Norwegian oil industry continues to suffer from the lack of demand, the Norges government has all the more reason to focus on its deep-sea mining project.

Currently oil production in the Norwegian Continental Shelf (NCS) has been reduced. The Norwegian government, which plays a more controlling role over Norway’s economies has passed a timely legislature that allows mining explorations on the NCS seabed, where large quantities of valuable minerals and precious metals like gold, silver, copper and zinc can be extracted.

Based on preliminary expeditions, it is widely believed that there is a wealth of already dissolved metals and minerals in submerged areas of the Norwegian Continental Shelf. The NCS seabeds are now being considered as the next most important resources in supplementing land reserves. In pursuing the new economic project, the Norwegian Parliament passed the Mineral Activities Act in July 2019.

Introduced for legislation in January 2019, the Norwegian Parliament saw strong opposition coming from the Norwegian Society for Nature Conservation (NSNC). Silje Ask Lundberg, Chairman of the NSNC expressed disapproval on how policy makers are formulating the legislation that would oversee mineral extraction in the NCS seabeds. Lundberg contended that the authorities have been starting at the wrong end, adding that:

Norwegian policymakers are into developing a law that will allow mineral extraction at sea, without first knowing how that will affect the deep sea’s unique ecosystems.

Even Olav Hallset of Norsk Bergindustri, a trade association that works toward sustainable mining operations, admits that although deep-sea mining presents economic opportunities, it also comes with great risks for the environment.


Key Takeaways of Norway’s Mineral Activities Act

Norway’s new Mineral Activities Act provides the guidelines in awarding permits for all exploration and recovery of subsea minerals in the Norwegian Continental Shelf, which were mostly based on the legislation for oil and gas operations in the NCS. The following are the key takeaways of the new legislation:

1.  All explorations and recovery of subsea minerals will observe environmentally friendly and safe resource management.

2.  The Ministry of Petroleum and Energy (MPE) will have the exclusive right and responsibility to manage the resources on behalf of the Norwegian State, which will retain ownership of all unrecovered mineral deposits.

3..In managing the resources, the MPE will first carry out impact assessment before opening a geographical area for mineral activities, and before production licenses for mineral activities will be awarded. .

4.  The awarding of licenses will be for a specific geographical area based on public bidding processes; whilst requiring license bidders to submit a detailed plan for recovery and operations, which the licensee will observe all times during mining activities.

5.  Production licenses will be in effect for a period of 10 years, and can be extended for a period of 20 years,but subject tomthe condition that all activities at all times were carried out in accordance with the plan for recovery and operations submitted.

6.  Upon completion of every recovery from seabed to sea level in a geographical area, the licensee will have ownership of the extracted minerals.

Seabed mining is projected to become a multi-billion industry, which if successful, will make Norway even richer than it already is. That is why Norwegian consumers can easily avail of any of the beste lånene i norge uten kredittsjekk (best loans in Norway without credit check) at their disposal, since they are the main beneficiaries of their country’s economies.

The Economics in Fuel

Some people may not notice it, but Fuel has been a very important aspect not only in the automobile industry and transportation but with the General Economy as well.

The rise and fall of gas prices directly affect the nation’s economic status. Higher price means we pay more for gas and less for other services and essentials. When Prices fall on the other hand, it costs a lot less to fill up on gas and so prices of various services such as transportation, trucking and airlines lower prices as well.

Noticing these aspects, we realize that Economics has something to do with everything around us. Finance, Business- even Fuel and Energy.
What Happens When a Fuel Pump Goes Out? | Virginia Tire & Auto

Shifting on Renewable Sources of Energy

Countries around the globe are more committed to preserving our planet. They are shifting towards the use of energy that we can replenish. Energy sources such as wind, water and solar are ideal energy sources to back-up the economy

Who is leading in renewable energy? | CNBC Explains

At the moment, almost all the economy of the world depends so much on fuel and coal for its energy needs. The continuous use of these energy sources has a negative impact on our environment. These energy sources are being depleted at a fast pace since they are non-renewable. As they are being consumed, its price and demand increase because they are harder to produce.
Most economies are shifting towards a more eco-friendly. Most countries are embracing their roles in being stewards of the environment.

How can You be Sure that You’re Getting the Right Investment Decision?

Before you get into xm 口座開設 and make an investment, it is very important that you make yourself aware of the basic factors that investors are using in breaking down the value of a stock. As we move further in this article, we will be looking at the frequently used ratios and to how it can help you about a stock you are eyeing on.

If you are ready, then let us get this thing started.

P/B or Price-to-Book Ratio

This is representing the worth of a company if in the event that it’s sold. This gives useful information as many companies, especially in mature industries are faltering in relation to growth but may still be a great value as per their assets. The book value normally includes the following:

  • Buildings
  • Equipment
  • Land

Basically, anything else that can be liquidated similar to bonds and stock holdings.

With mainly financial companies, the book value might fluctuate with markets because these stocks have a tendency to have portfolio of assets that may either go down or up in value. Industrial companies usually have book value as per the physical assets which are depreciating every year.

P/E or Price-to-Earnings Ratio

Possibly, this receives the most scrutiny among other ratios used by investors. If there’s a sudden increase in the price of a stock, then P/E ratio is often the suspect. Stocks may shoot up in value without having big increase in earnings. But, the P/E ratio can decide if it will maintain its trajectory. Without having sufficient earnings to back up its price, sooner or later, the stock will fall down.

One very important thing to be considered is that, you have to compare P/E ratios among businesses in the same markets and industries.

PEG Ratio

Due to the reason that using P/E ratio is not enough, there are numerous investors who are using price to earnings growth or simply, PEG ratio. Rather than just looking at the earnings and price, PEG is incorporating historical growth rate of the earnings of a certain company. this ratio is going to show how a company’s stock is winning its competitors.

The ratio of PEG is being calculated by means of taking P/E ratio of the given company and then, divide it by annual growth rate of their earnings. The lower the PEG ratio value, the greater the deal an investor can get from the estimated earnings of the stock in the future.

Small Businesses Are Less Likely To Get Loans

Small businesses have a difficult time taking out a loan compared to large corporations. But even medium-sized companies are already much better off. With limited access to banks and traditional loans, small businesses may opt to take out loans from non-traditional sources such as southeasttitleloans. There are various loans that SMBs may take however the difference is on the interest on top of the principal loan amount.

Reasons Banks Reject your Business Loan Application

Small businesses are more likely to be refused credit requests than medium-sized businesses and corporations. This is the result of a current study by the European Commission on the creditworthiness check of SMEs. A total of 200 interviews were carried out for the study with representatives of various stakeholders, including banks, financial organizations, company representatives, national authorities, and regulators. In addition, a survey was conducted through the Enterprise Europe Network that received 466 responses, and another survey in Italy brought 70 responses.

While the average rejection rate for credit inquiries in the EU was 12.6 percent, it was 17.9 percent for micro-businesses and 13.5 percent for small businesses. In contrast, credit inquiries from medium-sized companies were only rejected to 5.7 percent, and inquiries from large corporations only in 3.4 percent of cases. Even with interest rates, the SMEs surveyed still point to problems despite some improvements. 34 percent of those surveyed stated that interest rates had risen in the past six months, but in 2011 it was 52 percent. In other costs, 43 percent of those surveyed saw an increase in the last half of the year – here too, small companies were more affected than medium-sized and large companies.

In an international comparison, it was also found that credit requests from German companies were fully met in 86.8 percent of cases, the rejection rate here was only 2.5 percent.

Difficult rating for small businesses

The second major focus of the study was on the rating systems of the banks and the feedback for the companies. In view of the higher rejection rate, the authors assume that the feedback from the banks is particularly important for the smaller companies, as it can help them with future loan applications.

According to the study, the majority of the loans granted come from banks with internal rating systems (IRB), a share that is expected to increase in the future. Both qualitative and quantitative data flow into the evaluations, with the weighting varying from bank to bank. On average, however, the proportion of qualitative data is 20-40 percent. However, the collection of quantitative data can become a problem for small companies, as they often cannot provide sufficient financial data. The collection of qualitative data is more expensive and tends to be more subjective.

The fact that it is more difficult for small companies to obtain meaningful data as the basis for the assessment could also be the reason why small companies in particular show significantly less interest in their rating at the banks. The most important thing for them is whether and on what terms they receive the desired loan. Even with rejection, some of the study authors say they are not interested in the reasons, but instead look for an alternative loan instead.


Oil Trader Zenrock Placed Under Judicial Management by Singapore High Court

Last May 08, 2020, the High Court of Singapore approved HSBC and four other banks’ request to place global oil trader Zenrock under judicial management.

The swift decision came after the motion was filed by the banks last May 04, 2020, in connection with Zenrock’s failure to fulfill the required cash payment to immediately cover the unsecured loans that the oil trader had obtained from several banking institutions. According to Mr. Kiu Hock Yean, the head of HSBC’s Department of Commodities and Energy, their demand for payment came as a result of the sharp fall in the global value oil in the wake of the COVID-19 pandemic.

The demand for payment is part of the agreement when HSBC granted Zenrock a total of US$600 million in unsecured loan. Albeit unsecured, the loan was backed by the oil trader’s US$ 2 billion worth of global trading portfolio.

However, as it became apparent that Zenrock is currently indebted to as many as 23 banks, and with total debts already amounting to US$4 billion, HSBC and 4 other banks quickly filed a request for the High Court to place Zenrock under judicial management, in order to protect their interest and prevent further losses.

Zenrock’s Questionable Bank Dealings Strengthened HSBC’s Petition for Judicial Settlement

The four other banking institutions who jointly filed the application with HSBC, for Zenrock’s judicial management are: Bank of China, Banque de Commerce et de Placements, Credit Agricole and ING Bank.

Concerns over the oil trader’s ability to pay its unsecured obligations were raised when it was learned that Zenrock attempted to secure additional loans from other banks, which involved unlawful pledging of the same oil shipment specifically backing the loans granted by the five banks.

Despite documents submitted by HSBC as proof of Zenrock’s highly questionable actions, and while pending High Court’s naming of the judicial manager who will draw up plans for Zenrock’s debt-restructuring, the firm filed a counter-petition, which included a plea for moratorium of the related freeze order imposed on the oil trader’s assets.

Zenrock’s Aggregate Unsecured Loans Exemplify Greater Lending Power of Singapore Banks

The largeness of the amount of unsecured loans that Zenrock was able to obtain from Singapore banks, are examples of the greater lending authority conferred to banking institutions.

The billions and millions of unsecured loans granted as commercial loans by banks, clearly dwarf the size of unsecured loans that a licensed money lender in Singapore is allowed to extend to a single borrower; $500 to $3,000 at the least if a borrower earns less than $10,000. At the most, licensed money lenders in Singapore can approve a loan of up to six times the value of a borrower’s monthly income if the borrowing individual enjoys a monthly salary of $20,000 or higher.

Just like banks, licensed money lenders in Singapore must make sure that their borrowers fully understand the terms and conditions governing the loan granted.

World’s Economy at the Height of Covid-19 Pandemic

Covid-19 pandemic has affected the world’s economy in 3 different ways.

  1. Directly impacting the production
  2. Creating market and supply chain disruption and;
  3. Financially affecting companies and financial markets

As of this writing, not much is known about the virus. While public health officials are still trying to figure out the medical impact of the virus together with certain key elements similar to incubation period, we know that the economic impact will rely on how the general public would react to the virus. Public reaction might allow the disease to spread far and wide or it may create unnecessary costs.

Economic Impact of Covid-19

Chinese production had been massively impacted after the Hubei province and other nearby areas were shutdown. Some other countries are beginning to feel its effect as relative authorities are putting them into lockdown as well to prevent the spread of the virus.

Countless of manufacturing companies are heavily relying on imported products from China and several other countries that were affected by the virus. As a matter of fact, many of these companies are relying as well on China in meeting financial goals. With the unimpeded slowdown of the world’s economy as well as transportation restriction, affected countries will definitely be impacted on the level of their production and thus, profitability.

As for those companies that depend on intermediate goods from affected regions and not easily capable of switching sourcing, the severity of impact might depend on how fast the government will react to stop the outbreak. Both small and medium sized businesses might face more difficulties in surviving the disruption that Covid-19 caused. Businesses that are associated to travel and tourism are facing significant losses and most likely not be able to recover that fast.

Keeping Trust in Financial Markets?

The temporary disruption of production and/or inputs can cause additional stress on companies, especially to those that have inadequate liquidity. Traders who are using mt4 indicators and others tools might not be able to predict or anticipate which firms may be susceptible. The increasing rise in risk may show that one or several key players in the financial market have bought investment positions that will not yield any profits under current situations, which further weakens the trust in financial market and other financial instruments.

Another possibility is the huge decline in equity markets and also, corporate bond markets with investors prefer to hold on to government securities due to the uncertainty brought by Covid-19.

CARES : Paycheck Protection Program

The Paycheck Protection Program (PPP) is a $349 billion lending legislation of the CARES Act to help America’s small and midsized businesses (SMBs).

The PPP of the Coronavirus Aid, Relief, and Economic Security (CARES) Act is designed to extend government-backed loans not only to for-profit businesses that ordinarily qualify for SBA 7(a) loans. Unlike SBA loans though, the CARES Act PPP includes not only corporations that employ 500 or fewer workers; or business organizations that realize gross annual receipts below the threshold specified for certain industries.

As codified in Section 1102 of the CARES Act, the PPP qualifies the following for PPP eligibility ;

  • Nonprofit entities organized and classified under Section 501(c)(3) of the IRS Code
  • Veteran organizations that were given distinction from other nonprofit organizations as they fall under Section 501(c)(19) of the IRS Code.
  • Sole-proprietorships
  • Self-employed individuals including those earning income by way of independent long or short contracts, and freelancers being employed as labor force of the gig-economy.

Main Features of the Paycheck Protection Program

Generally, nearly all small businesses may apply for a PPP loan for as long as a company, proprietor, self-employed individual, independent contractor or freelancer, makes a good faith certification that justifies and ties the need for a loan to the economic uncertainties presented by the Covid-19 crisis.

In which case, a PPP borrower will be required to use the funds mainly for business purposes such as payment for utilities, lease/rent, mortgages plus interests, and in sustaining employee-payroll including claims for vacation, maternity or paternity leaves..

Through the CARES Act, the Small Business Administration assumes responsibility in giving authorization to lend funds under the PPP program, to qualified institutions like banks, insured credit unions and fin-tech companies. Such institutions will serve as additional lending agents to the group of lenders already and previously qualified by the SBA

Basically, the PPP-SBA 7(a) loans extended by lenders are guaranteed by the government by 100 hundred percent (100%) up to December 31, 2020. After said date, the government guarantee under the PPP scheme will revert to 75% for loan values of more than $150,000 and 85% for loans valued at $150,000 and less.

Main Restrictions of the Payroll Protection Program

Corporations that borrowed funds through the PPP are barred from declaring and issuing dividends to shareholders. The 1-year restriction will be counted from from the date the PPP loan has been fully settled.

Employers must retain an employment level of at least 90% from March 24 through September 30. 2020.

A PPP borrower must not have received an SBA Economic Injury Disaster Loan from the SBA, which cites financial hardships posed by the Covid-19 crisis as main reason/s.

Can a Bankrupt Business Apply for a PPP Loan?

The loans granted under the PPP of the CARES Act basically falls under the SBA 7(a) loan category. However, it is not clear if a business that has been driven to bankruptcy by the Covid-19 crisis before March 24, 2020, is still eligible to apply for a PPP loan.

The SBA’s lending rules qualify only those with a past bankruptcy that has been discharged at least a few years before applying for an SBA loan.

Nonetheless, corporations or business owners who have already been driven to insolvency by the Covid-19 crisis before the PPP became available, should seek legal help from a bankruptcy attorney. The Covid-19 crisis could have resulted in several bankruptcy cases even before the CARES Act was legislated.

Considering that seven counties in the San Francisco Bay Area had in fact ordered nonessential businesses to close and residents to shelter-in place as early as March 17, 2020. In such cases, a bankruptcy attorney san diego business owners would recommend, will be the likeliest resource person to get in touch with, when contemplating to borrow government-backed funds.

How Badly Can The Corona Crisis Hit The Economy?

Nobody can predict that exactly yet. For example, the economic department of the industrialized nation’s association OECD expects a decline in the global economic growth of “only” 0.5 percent. That would require a short period of the epidemic.

Coronavirus: The economic impact

After that, deferred production and demand would pick up again and compensate for shortfalls. In a negative scenario, OECD chief economist Laurence Boone anticipates a 1.5 percent decline in global economic growth. In the worst case, the current crisis could also plunge the global economy into recession.

Marijuana Stocks That Are Best for Your Portfolio

Among other countries and states, Canada has already legalized the use of medical marijuana in 2001.

The legalization of medical marijuana in Canada only shows that the cannabis industry has developed excellently. Moreover, it means that the industries’ success is not hindered by restrictions of the state like the US. Having these restrictions, the medical use of marijuana is allowed in 33 states and in Washington DC. Further, the law known as the Cannabis Act or Bill C-45 was passed by the House of Common of Canada last November 2017 in order to allow the legalization of recreational use of pot.

This Act is generally contrasting to the US in which the potential legalization of cannabis is debatable. Yet, even if there are prevailing uncertainty, the investors could take there steps on the pot by investing in Canadian marijuana stocks as part of overcoming the challenge of opening or growing a new business. They are listed as major exchanges or as trade within the over-the-counter market. Majority of the stocks can be classified as penny stocks which carry a relevantly greater risk component.

Top Companies of the Canadian Marijuana Stocks

Here are the top 8 Canadian marijuana stocks for your portfolio:

1. Canopy Group Corporation
2. Aurora Cannabis
3. Aphria Inc.
4. The Cronos Group
5. The Hexo Corporation
6. CannTrust Holdings Inc.
7. Namaste Technologies Inc.
8. Organigram Holdings

However, we will just give you a sneak peak of their market capital and a brief description of each companies.

Canopy Group Corporation (CGC)

CGC’s market capital is $6.969 billion. It is considered as the first unicorn of Canada’s pot market. The company’s stock is down at around 33%.

Aurora Cannabis (ACB)

The market capital of this company revolves around $5.071 billion. ACD entered the Canadian marijuana stocks in 2016 and the New York Stock Exchange in 2018. Its stock is down at 30.7%.

Aphria Inc.

$1.807 billion is the market capital of Aphria Inc. They self-declared that they are one of the lowest cost producers of cannabis within the industry. Their stocks drop around 16.8%.

The Cronos Group (CRON)

CRON’s market capital is $2.844 billion and drop its stocks around 29.4%.

The Hexo Corporation (HEXO)

The market capital of the company is $656.233 million and has stocks drop of about greater than 34%.

CannTrust Holdings Inc.

It has a capital of $195.117 million and drop its stocks by 86%.

Namaste Technologies Inc.

Namaste’s market capital is $97.082 million with a decline of 57.9% on its stocks.

Organigram Holdings (OGI)

The market capital of OGI is $549.118 million and the decline share price is around 54.8%.

Overcoming the Challenge of Opening or Growing a New Business

Common people believe that it is the government that is constraining businesses. Contrary to popular belief, it is actually the government that is promoting its citizens to engage in business activities. This is as per the reports from New York Times. In some situations though, the government may even help entrepreneurs in launching their business from scratch and nurture it throughout by backing them up with financial advice and assistance.

Being able to get help from the government no matter what form it is, will require an entrepreneur to give inputs to the agencies or initiate a request.

What Type of Aid the Does Government Offer?

Basically, the government can intervene and provide assistance in a couple of ways and these are through administrative and financial help. It’s the federal government that is executing majority of the financial assistance by means of Small Business Administration or SBA.

SBA is inducing commercial banks in an effort to make loans by means of guaranteeing to pay a percentage of the defaulted loan. Every federal agency is supporting businesses via its own offices; often by means of partnering with them on set government regulations.

Established businesses usually have sufficient resources in keeping up with the changes in the legislation so the government has the tendency to concentrate on assisting smaller businesses. After all, these small businesses have limited options to get their funding from like applying from, requesting additional funds from family and friends, crowdfunding etc.

Local and State Government

These are agencies that are offering advice and assistance to community businesses. Majority of the agencies have hotlines in helping companies to understand and to stick to the legal statutes either when running or starting a business.

As for the federal government, you can’t expect grants from them. However, it’s job is to distribute money to different states. Then, it’s the responsibility of the state government to hand out this money amongst foundations and charities that is funding small businesses.

Word from the Expert

According to Walt Minnick, Idaho Representative; he believes that the government can provide better assistance to businesses by means of improving their budget than sending money to smaller businesses that are ready to grow.

Savvy Tip

As for the business’ part, they can actually save more on tax preparation by going to the website of the IRS. While the IRS might not be able to replace seasoned accountants but at least, they can educate business owners on tax basics.

Business Loan Options For Self-Employed Individuals

Are you self-employed and you currently need financing? Borrowing money as a self-employed person can be very difficult. Your main concern is how to secure a loan quickly. Banks often do not provide financing if your company does not meet strict conditions, or demand an enormous amount of collateral in exchange for the loan.

You can borrow from private individuals but this route can be difficult and they often charge a high-interest rate. So how can you best approach borrowing money for a sole trader business?

Getting A Loan When You Are Self Employed

The current labor market

The labor market has changed considerably in recent years, a permanent contract for an indefinite period has almost become an exception. Employers do not easily give a permanent contract.

Partly as a result of this, the number of freelancers has grown explosively in recent years. Currently, there are more than 1.3 million self-employed people in the Netherlands and this number grows between 40,000 and 50,000 annually.

Banks are often very reluctant to lend money to freelancers due to the unpredictable income. In addition, not all self-employed entrepreneurs have a safety net if they become incapacitated for work or are temporarily out of work.

Borrowing money as a self-employed individual, what are the options?

If you want to borrow money as self-employed, it is important that you are at least 25 years old and that your business is registered with the Chamber of Commerce. There’s a multitude of options available for you. Let’s take a look at the three most common loans available for self-employed individuals.


A good alternative if the bank does not want to lend you money is to take microfinance as a sole trader. This means that you then take out a business loan of a maximum of 50,000 euros. Conditions apply for this. You must be at least 18 years old, living within the area where you are taking the loan, and you must be able to present a clear business plan.

Innovation credit for the self-employed

Do you have an interesting and innovative idea like energy-efficient devices? If your idea has a lot of potentials, but you do not have the necessary financial resources to implement your idea, an innovation credit can offer a solution. As a (starting) self-employed person you can apply for this credit type of credit starting with local banks near you or you may contact your local state government for more information on this type of funding. Investigate further as to which banks provide this type of financing.

There is a chance that the application will not be processed, but if you make a thorough preparation and have done good market research, it is more likely that your application will be approved. A good business plan is essential. After a thorough evaluation of your plans, the Central Government will decide whether or not you can get a loan.

Crowdfunding for the self-employed

Since the rise of social media, crowdfunding has become very popular as a form of financing for starting companies. More and more successful companies are succeeding in achieving exponential growth with the help of this peer-to-peer funding.

Crowdfunding can offer a solution if you as a self-employed person need a relatively large sum of money for your company within a short period of time and there are no banks or lenders who want to lend you money.

When there is a high demand for your product or service from the population, there are probably a large number of people who are interested in the development of your product or service.

These people will gladly offer financial support to your company. In this way, you ask the public to finance your project through various platforms.


Borrowing money as a start-up entrepreneur can be a serious challenge. To become a successful self-employed person you must have a healthy dose of knowledge, expertise, courage, perseverance and often financing to be able to start or grow.

Many business financiers only give credit to companies that have a certain amount of revenue per year. So often not feasible for the self-employed. Fortunately, there are several options that you can use. Investigate, contact the right people, and start your business today.

The Future Of Energy

Financial Modeling Solar Energy Project

Financing Energy Efficient Buildings

Energy Efficiency And Energy Savings

Workship For Energy Efficiency Understanding Finance Models