Will The Eurozone Inflation Lower The Deflation Concerns?

According to the EU statistics agency, “Eurostat”, they made a first estimate that in the month of September, there was an increase of annual inflation of 0.3% when compared to 4% last month. This was very close to the target set by the European Central Bank of about target marking of 2%. This inflation was actually pushed by the increasing service sector prices, higher prices for food, tobacco products and alcohol prices. There was a marginal decrease in the energy prices when we compare the October month to that of September.

Decrease in the core inflation: 

When it came to core inflation, which has a higher effect on the food and energy prices saw a fall in the percentage, the core inflation came down from 0.8% to 0.7% in October. Eurozone inflation saw a slight increase in the month of October but the market economists have already raised an alarm that this will only help the policymakers slightly to defend themselves against the single currency bloc deflation.

According to Martin van Vliet, an economist at ING, even a slight increase in the core inflation will definitely take off a bit of pressure of the policymakers who are working at the European Central Bank (ECB). Deflation risks in Eurozone might see issues with the decrease in the core inflation during the month of October. This will force the ECB to take preventive measures as they will see increased pressure.

Actions from the ECB: 

According to Martin, depending on the recent decrease in the commodity prices they are not anticipating an increase in pressure in terms of energy and food prices in the coming couple of months. However, they are certainly expecting a decrease in the pressure down the line.

Depending on the current scenario and the Eurozone economic growth losing its charm, pressure is sure to stay over the European Central Bank. The ECB has taken precautionary measures to tackle the sudden changes in the Eurozone economy and to prevent any further damage from the deflation to both consumers and businesses. There are chances where people might want to hold on to their purchase hoping for a decrease in price.

According to a senior economist at Berenberg, Christian Schulz, the current situation of the economy can further impact the change in the inflation. Berenberg is planning to discuss further methods of easing the pain in their upcoming meetings.

Unemployment: 

According to the reports published by Eurostat, the unemployment rate in the Eurozone remained at 11.5% in the month of September. As per the chief European and UK economist Howard Archer working at IHS Global Insight; even though there was a decrease in the number of unemployed people, the employment rate in the 3rd quarter of October 2014, was lower than September. The employment rate was dropping continuously in the month of September and this was credited to the current state of the economy and also the decreasing in the confidence of the businesses.

According to report there was a decrease of 0.2% in the German GDP as well as the slow growth rate of the Eurozone, and the recession was indicating prospects of growth. The current economical situation indicates that the Germans and Western continental Europe will have a pretty bad moment

While on one side Eurozone is lessening the monetary policy to battle against the deflation; the central bank of Russia has raised their key interest rates from 8% to 9.5% to fight against the inflation.

New Regulatory Guidelines for UK Banks on Risk Assessment

According to the reports the Banks in Britain are getting prepared for one of the most anticipated news at present. With the declaration of new regulatory guidelines from the Bank of England, all the banks are expecting that they might have to raise any extra capital to meet these guidelines.

This can have serious negative impact on the customers in terms of their cost of borrowing from the banks. Thread needle Street is expected to give out the details on the methods for setting leverage ratio and this will be given on Friday around 2PM GMT.

Leverage ratio is the method which measures the financial stability and strength of a particular brand, but this doesn’t allow the banks to carry out any assessments of the potential risks that they might face in the future.

Sir John Vickers, who chaired the independent commission on banking, in the year 2011 had recommended that having a 4% leverage ratio will allow the banks to able to borrow nearly 25 times more than the value of their assets.

This recommendation was not readily acceptable to the Government as they were looking for a more convenient ratio of around 3%. But still the Bank of England consulted others to determine the different means to measure the leverage ratio, they have analyzed if the bank need bigger lenders to hold their capital or they can rely on the smaller lenders as well.

They consulted as to how the banks can gain the ability to additional amounts depending on the market conditions. Although this is expected to take complete coverage in the next couple of years, but the lenders are pretty much ready to the leverage ratio of 4%. While the regulators United States of America have set the level as high as 6%, Switzerland has set a ratio of 4 percent for their banks.

According to George Culmer, the finance director at Lloyds’, he is expecting the leverage ratio is to start with 4% itself. At present Lloyds Banking Group has reached the leverage at 4.7% when compared to the 3.8% last year.

On the other hand Barclays Banks have managed to reach 3.5% and the Royal bank of Scotland is at 3.9%. All the high street banks are taking possible measures to reach the set leverage ratio. With the leverage ratio starting at 4%, one needs to worry about the pricing factor.

According to the British Bankers’ Association, they fear that this change might impact the banks first as they might be dealing with businesses having large mortgages.

This will have the impact in such a way that the banks might be forced to either increase the cost of new mortgages as well the risk taking ability of the banks. This seems to be going in exact opposite direction to what the makers of the policy have in mind.

This was the main reason which attributed to the change of high end societies to bank in the past couple of decades.

Establish the Effective Business Condition in the Recent Times

Sometimes, the businesspersons suffer a huge destruction due to market crash that results to significant fall in economy. However, the skilled persons do not get afraid of such circumstances.


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How to Increase Your Retirement Income

After retirement many people discover that their retirement income is not large enough to support their preferred lifestyles or to keep up with the ever-increasing costs of necessities. This realization often causes many people to lessen their living standards or return to work in their golden years. Thankfully, there are ways that you can increase your retirement income without having to give up your lifestyle or go to work each day.

Senior Discounts

One of the first things you need to do is become aggressive about senior discounts. Almost every industry offers discount programs to senior citizens. Utility companies may offer discounts or free services to seniors that help improve energy consumption and will reduce bills. Many stores offer “senior days” where just being a senior citizen entitles you to discounts that day. Restaurants and other service oriented businesses often offer senior discounts or free products. Learn where the discounts are in your area and always take advantage of them.

Reverse Mortgages

Take advantage of the equity in your home and apply for a reverse mortgage. This type of loan product can help you generate an additional monthly income that you will never have to repay. This money can be used to improve your standard of living or to pay off bills. By using the equity in your home in this manner you can quickly take control of your financial situation.

Community Programs

There are many programs in every community that are geared towards helping seniors stay active and healthy. Community health fairs are a great place to find free or discounted medical testing, free samples and discounts on medical products. Community centers and the library offer many free classes for seniors, allowing you to experience and enjoy many things at no cost. Check local websites or newspapers for free events in your area.

Retirement is about enjoying your life. You have worked hard for many years and now it is time to have fun. You do not have to let financial issues hinder your retirement. Make a few changes in your shipping habits, use discount programs to your advantage, and let the equity in your home fund a great retirement.

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The Proposals from SEC

SEC comes out with the positive approaches that help you to acknowledge the original benefits fulfilling all your desires. Therefore, you need to stay updated with the recent information regarding the particular topic.

According to the recent proposals from SEC, the users can withdraw up to $1 billion within a day. It helps you to accumulate the large volume of assets representing your hard work. However, before you invest go through the terms and conditions carefully ensuring that you are at the right destination where you would receive the customized features.

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Analyze the Situation

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Avoid the Risky Circumstances

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