Metcalfe Insurance

Financial loans on the internet as well as Life insurance coverage on the internet

admin — Fri, 09 Dec 2011 12:33:10 +0000

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Forex Charts and International Money Transfers

admin — Wed, 26 Oct 2011 23:48:30 +0000

With more and more people opting to make international money transfers, a lot of us are now starting to look into forex charts and the role they play. If you enlist the help of a company to help with your international money transfers this may not be something you are too interested in, however if you will be making a lot of overseas payments you might want to understand how things work and how you can make your pound go further.

What are Forex Charts?

There are three main types of forex charts, but the one you will want to acquaint yourself with the most is the line chart. This chart will give you an idea of how your currency is performing in the foreign exchange market and how much it has fluctuated over a given period of time. The more you read and understand these charts, the better chance you have of placing international money transfers when the exchange rate is at its best.

Forex Specialists

Learning how to read the foreign exchange market does take a lot of time and if you are just starting out, enlisting the help of a forex specialist is a must. Forex specialists will come at a cost but they can also save you money when it comes to making your international money transfers. They have expert experience in the markets and are the best people to turn to if you want to trade when the market is at its best for you.

Banks Consider Selling Their Insurance Units to Boost Their Strategic Gains

admin — Mon, 03 Oct 2011 11:18:03 +0000

With the Royal Bank of Scotland deciding to sell its insurance business, experts are predicting this move to trigger other banks into reconsidering whether owning an insurer is a worthwhile strategic policy.

Bankers expect that lenders will decide the providing of a vast array of insurance and banking products, is less important than freeing up money tied up in non-core units. This will help to shore up hard pressed banking arms in the face of billions of pounds of write-downs.

Head of European insurance in the investment banking department at Credit Suisse, Mark Oldcorn said, “Banks are now acknowledging that the value they offer in the insurance chain is through their distribution power rather than producing the insurance products themselves. But the backdrop to the realisation is of course the current crisis, which has forced many of them to face up to the fact they are light capital.”

Some struggling banks may find that selling their insurer may mean them not having to approach their shareholders for more money, or reduce the amount of cash they need from investors.

Other better off banks may see selling their insurers as a move to further their strategic goals. Oldcorn said, “Stronger banks could sell their insurance units and use the proceeds to roll up weaker rivals.”

Banks across Europe are in line to sell their insurance businesses outright or sell stakes in them to help to free up cash so they are able to focus on selling other products through their banks.

Group strategy and development director at Aviva, Anupam Sahay said, “It’s a real trend, accelerated heavily by the credit crunch, and is likely to be played out through quite a significant reconfiguration over the next couple of years. That will happen across Europe, but we’re also seeing the same in Asia.”

Many banks had begun to turn their backs on owning insurance units due to the rule changes in accounting which prevented them from double counting the capital they hold in their insurance operations as regulatory capital in their banking business.

These businesses have been sitting awkwardly amongst banks due to their focus on long term value as opposed to the banks focus on current cash-flow. These differing factors have only been heightened by the credit crunch as banks need both capital and cash-flow.

HBOS could sell its Clerical Medical unit and its stake in wealth manager St James Palace say investment bankers, “I think it is a sellers market given that in most cases there are good quality assets with strong demand for them from insurers.”

But HBOS, who has set a £4 billion rights issue to help it weather its financial downturn, said it had looked at, and ruled out disposing of quality businesses at distressed prices.

For the appealing assets on the market, there is likely to be no shortage of takers from the insurance industry, with Aviva, AXA, Sampo and Zurich Financial Services looking to boost their growth.

Investment bankers predict that Lloyds TSB may choose to sell Scottish Widows in order to raise £8 billion so they can launch a bid for a weaker Market rival such as Alliance and Leicester.

With deal making only likely to intensify, Mark Oldcorn said, “Our view is that this is a significant trend that could have legs for the foreseeable future.”