Should GM Go Through A Corporate Name Change?

By Jennifer McClelland

There have been a number of businesses that have replaced their names subsequent to coming under fire and going down into bankruptcy. Some of the companies that have done that consist of ValuJet or currently known as AirTran, Altria or as you may have one time known it, Philip Morris, and Xe, which was one time known as Blackwater. Even electronics manufacturer LG has altered its name from Lucky Goldstar to simply LG and said that it stood for Lifes Good and now its performing superbly with its sales of consumer electronics and appliances.

These companies have done well with the name alteration; it is as if they are cracking what they once were and becoming a another company with a shiny, squeaky clean image.

Promotion professionals across the country agree that the rebranding of GM could be a good thing. If the goal is to attempt and put this company on a immense diet and just turn it into a less significant car manufacturing undertaking, Im not certain thered be that much injury in rebranding, said Jean-Pierre Dube, a University of Chicago marketing lecturer. The brand isnt in good shape, he stated, so they have not much to lose.

The General Motors make has already grown to be a stained brand, with a reputation of constructing shabby quality cars and now with a gigantic insolvency filing under its belt, not to bring up what everyone thinks about the corporation taking all that national cash to keep from having to file for the vast bailoutwhich they filed in any case.

Certainly, at present many GM officials are sticking to their guns and not wanting to re-brand the corporation. CEO Fritz Henderson said that re-branding wasnt very high on his list of things to do in the business. Which is possibly a good thing to do taking into account all the troubles he inherited, but couldnt rebranding be handed off to the marketing section? After all, GM in spite of everything has one of those and it really doesnt have the money to be throwing into high-cost television spots for now.

Bits and parts of GM have by now started to be rebranded; GMAC monetary services has replaced its name to Ally Bank and General Motors Asset Managemnet is currently known as Promark Global Advisors.

But, with a company that is as well known as GM could it work?

I dont see something wrong with trying to perhaps promote the company differently than before, but an whole new brand could be tricky to pull off for the company. I feel that the best execution of rebranding could come from if it were to rebrand a number of its subsidiaries such as Chevy or Cadillac. - 23221

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Retirement and Online Stock Trading

By Owen Jones

Retirement comes with a benefit and a drawback: more time and less money. The discovery of the Internet has changed the way we lead our lives. We can pay our bills online, go shopping online, do our banking online, and even make a date online!

You can also participate in online stock investing, which I think, could fit in nicely. Online stock investors love having the capability to look at their investment accounts whenever they want to, and online stock brokers like having the capability to take orders over the Internet, as opposed to using the telephone.

You start by reading the newspapers and watching the news. Any news items that suggest good news for a company can be followed up by greater research into the company concerned. The majority of stock brokers and brokerage houses now offer online stock research to their customers as well as online stock trading. One other great thing about online stock trading is that fees and commissions are usually lower. While online stock trading is great, there are some drawbacks.

If you are a novice to investing, having the ability to actually speak with a stock broker can be very beneficial, if you aren't stock market conscious, online stock trading may be a rather risky thing for you to do, although advice from a stock market trader is expensive. If this is the case, make certain that you learn as much as you can about trading stocks before you start online stock trading. In this case, make sure that you learn as much as you can about researching companies and trading stocks before you start online stock trading for real.

You could run a dummy portfolio. For example, most online stock brokers offer the facility to run a 'watch list' or dummy portfolio, where you can 'buy and sell' without using real money.

You should also remember that not everyone has a computer with Internet access with them, although many mobile phones can get online. So you might not always have the ability to get online to make a trade when you want to. You will need to be sure that you can speak with your broker if you use an online stock broker. This is true whether you are an advanced stock market investor or a beginner.

Furthermore, it is also a good idea for the retiree to open an account with an online stock investing firm that has been around for a long time. Sure, you won't find one that has been in online business for 30-50 years, but you will find a company that has been in business that long and that now also offers online stock trading.

Sure, online stock trading is a wonderful thing for the retired - but it is not for everyone, the impetuous can lose money quickly. Think long and hard before you decide to opt for buy stock online, and make sure that you really know what you are letting yourself in for!

Therefore, in summary, retirees can use their newly-found free time to investigate the stock market free by getting leads from newspapers, magazines and news programs. These leads can then be followed up by online research with the help of a free online stock investing account.

These hunches can then be tracked using a dummy or trial portfolio. When you have gained sufficient experience, you can go 'live' by opening an active online stock investing account. - 23221

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Forex Trading Tips Inside

By Mark Green

Forex trading tips are many, but with so much available information on the internet it can be hard to decipher what are good and bad tips. From my experiences I have arranged some essential tips that any trader may be able to apply.

First of the forex trading tips is dedication. Dedicating time into forex is the only way to success. Trading as a hobby without much time involved won't make you rich. How will you make progress if you don't put time into your trading? The success of a trader is up to them, work as much as you want to succeed.

Second of the forex trading tips is persistence. Don't be a quitter and give up before you have put in some honest hard work. Going into forex with an over night success in your mind is a sure way to failure. Most new forex traders have a problem with this vision, and drive them to rush things. Success is built over time, you must think of it as a long term goal, or achievement.

Third of the forex trading tips is to find methods that work for you. Test out methods or different strategies of trading for a short period of time before you change your strategy. Keep in mind that you don't win all trades; it is all calculated as a rolling average. As long as you make more winning trades then losses, you are doing well. So find methods that suit you, and stick to them.

Fourth of the forex trading tips is money management. In order to achieve success, it is essential to properly manage your money. Going into a trade with your entire trading account is a very risky move, and can quickly lead to an empty trading account. Manage your money properly; only use small margins at first to keep things in control.

The fifth of forex trading tips is researching and managing your trades. It is always a good idea to do some research on the market and its conditions, and world news before you even consider making a trade. Doing the scalping method is the best way for new traders. Scalping with forex can be a quick way to filling up your trading account and getting yourself to larger trades. Thinking long term is the best mindset for forex. Take action today on the best managed, easiest way to forex and your success. Discover what the big money makers do, and take action today on your success! - 23221

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Forex Exchange Trend Is Your Friend

By Chris Green

Most forex exchange traders by now should know what the "trend" is. The old saying "The Trend Is Your Friend" is not just a simple rhyme, but an excellent tip for a trader if used properly. Finding the trend in the currency pair you are trading is usually a good place to start. It can give you an idea on where the market is turning. Not all of the time it is best to just follow the trend, but it is a good starting point for giving you an idea of the market direction.

In some cases in forex exchange trading, it can be a little difficult figuring out when a good time to follow the trend is and when to take your own intuition on the trade. There are many different world events that can affect your currency values and put a change of direction into the market. A great way to keep up with this is to read current local and global news every day. Being aware of events going on around the world can have a positive influence on your trading intuition.

When preparing your forex exchange for trading, it is important to constantly be taking in information about the markets conditions and effecting world news. Don't just take a short time frame of research before your trades, this won't work out for the best. Prepare for hours or even days before jumping back into the market. If you fall a day behind in your research into the market, the chances are that your knowledge is a day behind, and many traders wonder why they are not a successful trader. It is all about being prepared.

As a forex exchange trader, if you constantly are saturating yourself with information about the market, you will find trades to come easier to you. This is because in your mind you are connecting all the information without realizing it completely. It will almost become a second nature. This is where the every day successful traders have an edge over the average trader. They spend most of their spare time absorbing information about the markets and world events.

Sticking to the forex exchange trend is a good starting point, but you need to take your skills beyond that to get the real results you need. Dont be the average trader, and a failing statistic. Become consumed by your trading mindset, and you will be able to become a master. Second guessing yourself can also be a bad move, know your nature, your either good at what you do or average. Which do you want to be? - 23221

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Insider Short Sales Information

By Arnulfo Snider

The best time to choose a short sale is when you owe more on your home than it is worth. Let's say that your home is worth 450,000 and you owe 470,000 then a short sale would be the way to go. Obviously, if you do not have to sell your home, you could wait out the market and hope for a turnaround in real estate values.

However, if you do have to sell your home you basically have three options. First, you can bring cash to the table. Say you sell your home for a $10,000 deficit, you would have to come up with that money immediately for the bank. Second, you could let the home go into foreclosure. The lender will go through the foreclosure process, force you out of your home and then auction it off to the highest bidder at a foreclosure or Trustee's auction. The third option is to pursue a short sale. You contact the lender, explain the circumstances and convince them to take less than full value of their loan.

In a case where you have a buyer for 240,000 and your loan is for 250,000, you would then explain to the bank that there aren't any buyers willing to pay a higher price. You can continue with a short sale when the lender agrees to the lower amount. Sometimes the lender will consider a short sale before you have a buyer and you can market your property and, if you find a buyer, take their offer to the lender for consideration.

One of the great things about a short sale is that they are not complicated, but there is some effort involved on behalf of you and your short sales specialist.

You have to find out what your home is worth. Your short sales specialist will do market analysis which will help you to determine what your home will sell for. You can also use the Internet to help you in this process, there are many real estate sites that you can compare listings to help you determine the value of your home. If the market is moving down keep in mind that your homes value may be moving down as well and estimated valuations may be valid for only a short time.

You also need to calculate your estimated closing costs. Items such as a title report, escrow, appraisal, attorney fees, agent commissions, unpaid property taxes etc. may add up to a substantial amount of money.

You will need to be aware of how much you have left to pay on your home, include all loans in this calculation.

Calculate your equity. In a regular case your closing costs and loan should be less than the total value your property is worth. When the opposite is true you can then pursue a short sale.

Your short sales specialist will be talking to someone in authority at your bank who is required to make these decisions. The loss mitigation department is usually who you will go through. Lenders do not have to accept your short sale, but most of the time they do because it is in their best interest. Some banks will not take a short sale unless you are behind on your monthly installments. You'll need to know where your lender stands with regard to short sales so contact them as soon as possible.

Understand where you stand with taxes. Don't low ball this figure. A large amount of taxes can occur as a result of a short sale. Talk to a professional about how much tax you will owe the I.R.S. before proceeding with a short sale. - 23221

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