Bill Gates At The World Economic Forum

 

Microfinance The Developing World 

 People should do more to help other people – “Kiva lets you connect with and loan money to unique small businesses in the developing world. By choosing a business on Kiva.org, you can “sponsor a business” and help the world’s working poor make great strides towards economic independence. Throughout the course of the loan (usually 6-12 months), you can receive email journal updates from the business you’ve sponsored. As loans are repaid, you get your loan money back.” I think that there is no better way to make money knowing you earned interest at the same time you helped someone’s dream come true. For more information visit www.kiva.org … thanks a trillion 

More About This Page Below …

The business forum is intended for all Zambian entrepreneurs around the world to meet and share ideas. It epitomizes the best there is to Zambian ingenuity around the world in all facets of both intraprenuership as well entrepreneurship. Professionals from all walks of life are encouraged to meet, greet and network for the betterment of human aspirations.

Here businessmen and women will freely advertise their goods and services for their legal business entities. We will also come up with a who’s who list of willing contacts for effectiveness and efficient operational as well as functional purposes. We believe that good people with great business ideas need to be given a chance to operationalize them for profit … 

Finally, the page will carry breaking news, links and information, in areas of accounting, finance, investment banking, personal finance, major stock markets, strategies and other related areas. Sergey Brin once said, “…Obviously everyone wants to be successful, but I want to be looked back on as being very innovative, very trusted and ethical and ultimately making a big difference in the world”. If you share the same sentiment, then that’s great and welcome aboard … thanks a trillion.

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21 Responses to “Business”

  1. brainsplus Says:

    http://www.ifac.org/PublicSector/CommitteeMembers.php

    Mike Hathorn Becomes IPSASB Chair; Four New Members Join IPSASB

    Mike Hathorn of the United Kingdom became chair of the IPSASB on January 1, 2007. He was joined on the IPSASB by four new members: Peter Batten of Australia, Lou Hong of China, Marie-Pierre Cordier of France, and David Bean of the United States. A complete list of 2007 IPSASB members together with their biographies is available at http://www.ifac.org/PublicSector/CommitteeMembers.php.

    The IPSASB would like to recognize Philippe Adhémar of France, who retired as IPSASB chair in December and the three IPSASB members who retired at the end of 2006: Wayne Cameron of Australia, Mohd Salleh bin Mahmud of Malaysia, and Ronald J. Points of United States. The IPSASB thanks these individuals for their service.

  2. Kevin Says:

    CHINESE PRESIDENT

    http://www.charter.net/news/read.php?id=13445410&ps=926&cat=&cps=&lang=en

    … Clothing manufacturers in Zambia complained cheap Chinese goods are destroying their business. South Africa’s textile union says some 100,000 jobs have been lost as synthetic fabrics replace cotton prints in street markets across the continent, and last year threatened to boycott anyone selling Chinese products.

    Fearing protests, Hu’s delegation canceled a visit to Zambia’s Copperbelt, where Beijing is setting up an economic cooperation zone expected to draw $800 million in mining investments.

    While many Zambians welcome the Chinese presence, there has been a backlash fueled by workplace accidents, poor working conditions and low pay at Chinese-run copper mines. Fifty-one Zambian workers died in a 2005 mine explosion and dozens of protesters were fired on by Chinese security guards last year.

    “They are not here to develop Zambia, they’re here to develop China,” said Zambian legislator Guy Scott.

  3. brainsplus Says:

    http://www.znbc.co.zm/media/news/viewnews.cgi?category=2&id=1174670754

    Mines sale agreements revisited

    Investigations have been launched to determine how development agreements were signed at the time the mining sector was being privatised. Finance Minister, Ng’andu Magande said this in parliament today when he was winding up debate on the Mines and Minerals amendment bill.

    Mr. Magande said a Task Force is already in place and is currently looking at how the development agreements were signed.
    Earlier, Mbabala Member of PArliament, Emmanuel Hachipuka called on government to seriously re-examine how the development agreements were signed.

    Mr. Hachipuka said there is need to critically look at why Zambians have not benefited from the sale of the mines.
    He said Zambians have paid a heavy price for the development agreements signed on the sale of the mines. Mr. Hachipuka further said parliament passed legislation to allow the development agreeemnts to be signed above the confines of the Zambian constitution.

    He said the development agreements have made it difficult for government to raise revenue from the privatised mines.
    Mr. Hachipuka said said for a long time now, government has been raising revenue by taxing individuals instead of the privatised companies. He said the country should not continue to live on donations from foreign countries when God has blessed it with abundant natural resources such as copper.

    Government has in this year’s budget proposed to increase corporate tax on mining from 25 to 30 percent. Mineral royalty has been increased from 0.6 to 3 percent.


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    ( Cathy Seidel is bureau chief, consumer & Gov Affairs, Federal Communications Commision, Washington DC)

  5. Anonymous Says:

    Stocks Plunge Worldwide on Fears of a U.S. Recession
    By MARK LANDLER and HEATHER TIMMONS
    Published: January 21, 2008
    FRANKFURT — Fears that the United States is in a recession reverberated around the world on Monday, sending stock markets from Bombay to Frankfurt into a tailspin and puncturing the hopes of many investors that Europe and Asia will be able to sidestep an American downturn.

    U.S. Worries Deliver a New Jolt Overseas (January 21, 2008) On a day when United States markets were closed in observance of Martin Luther King’s Birthday, the world’s eyes were trained nervously on the United States. Investors reacted with what many analysts described as panic to the multiplying signs of weakness in the American economy.

    Shares of banks led the decline in many countries, underscoring that the subprime crisis continues to hobble the global financial system. On Monday, a big German state bank, WestLB, said it would report a loss of $1.4 billion in 2007 because of its exposure to deteriorating mortgage assets.

    “There is indeed some panic,” said Thomas Mayer, the chief European economist at Deutsche Bank in London. “What we’re seeing, in Europe and Asia, is that the markets are pricing in a recession.”

    The sell-off was evenly distributed from East to West, with indexes plunging in London, Paris, Frankfurt, Tokyo, Hong Kong, Seoul and Bombay. The Frankfurt Stock Exchange’s Dax index plummeted 7.2 percent, its steepest one-day decline since Sept. 11, 2001. The 7.4 percent drop in Bombay’s Sensex index was the second-worst single-day tumble in its history.

    Stocks followed suit when markets opened in the Western Hemisphere. Canadian stocks closed down 4.75 percent, and a key market index in Brazil was off 6.6 percent.

    And trading Monday in stock index futures, while light and not always a reliable indicator, pointed to a substantial decline when markets reopen on Wall Street. Futures in the Dow Jones industrial average were down 520 points, or more than 4 percent.

    Investors were scarcely comforted by President Bush’s announcement on Friday of an economic stimulus package of as much as $145 billion. Mr. Bush’s “shot in the arm,” economists said, did not persuade the rest of the world that the United States will escape a recession, or that it will either.

    The turmoil will put even more pressure on the European Central Bank, which has charted a different course from the Federal Reserve by warning that it might raise interest rates to curb inflation, rather than cut them, as the Fed has, to ward off a recession. Mr. Mayer and others predict the bank will be forced into an about-face in coming months.

    While Asia has been less buffeted by the credit crisis than Europe, the Bank of China now appears vulnerable, with analysts predicting it will have to write down the value of its American mortgage holdings.

    Investors in Asia have been in a state of denial about a possible recession in the United States, said Adrian Mowat, JPMorgan’s chief strategist in Asia. But now, he said, “there’s no debate about it.” The only question, he added is “how long and deep” a recession might be.

    In Japan, which may be facing a new recession of its own, most indexes were off by more than 3 percent on Monday and were down another 4 percent in early trading on Tuesday.

    The angst about the United States belies the popular theory that Europe and Asia are not as dependent on the American economy as they once were, in part because they trade more with each other. The theory, known as decoupling, has been used to explain why economies like China and Germany have kept growing robustly, even as the United States has slowed.

    “The market is not at all convinced about decoupling, and I think the market is probably right,” Mr. Mayer said. “When you look at it more closely, we’re suffering from the same issues.”

    The housing market, after a long boom, is cooling off in several countries, notably Britain, Spain and Ireland. That will depress the growth rate in those countries, which are among Europe’s economic pace-setters.

    European banks continue to make unwelcome disclosures about write-downs of mortgage assets, even if the losses are not as dire as those reported by Citigroup or Merrill Lynch. Banks loans across Europe are being constrained, according to a recent survey by the European Central Bank.

    German banks, in particular, are still haunted by the American subprime mess. WestLB’s troubles came a week after a German property lender, Hypo Real Estate, lost one-third of its market value after it disclosed higher-than-expected losses from the credit crisis.

    WestLB, after warning that its 2007 losses would be more than twice its earlier estimate, said its key shareholders, the state of North Rhine-Westphalia and regional savings bank, had agreed to inject to inject 2 billion euros ($2.9 billion) of fresh capital into the bank to stabilize it.

    Also on Monday, Commerzbank warned it would make additional write-downs in the fourth quarter of 2007. This caught analysts off guard, since Commerzbank has been fairly upbeat about its exposure.

    The amounts are not so significant,” said Simon Adamson, a banking analyst at CreditSights, an independent research firm in London. “It was more the way the market was caught by surprise.”

    U.S. Worries Deliver a New Jolt Overseas (January 21, 2008) Shares of Commerzbank fell 10 percent Monday, Deutsche Bank declined 6.7 percent, Société Générale of France dropped 8 percent, BNP Paribas declined 9.6 percent and the ING Group of the Netherlands was off 10.5 percent.

    But the damage extended to the shares of energy companies like BP and Royal Dutch Shell, which dropped on worries that a global economic slowdown would crimp the demand for oil and gas.

    “The problem is more deeply rooted in anxiety about the global economy than it is in Germany,” said Boris Boehm, an asset manager at Nordinvest in Hamburg. “People are really afraid. But it’s a good thing because fear, along with action, gets the market to its proper level quickly.”

    Those jitters extended to fast-growing markets, like China, and those, like India, that are thought to be relatively insulated from the United States. Shanghai’s Composite Index closed down 5.1 percent, while Hong Kong’s Hang Seng fell 5.5 percent, also the most since Sept. 11, 2001.

    Emerging markets have sagged recently, and Monday’s rout may signal a basic shift in sentiment, analysts said. Mr. Mowat of JPMorgan said that it did not matter whether markets were separated by geography or asset class because, he said, “we trade together in corrections.”

    No matter how many bridges, roads, and power plants China builds, or how many new cars India sells, a downturn in the United States will ripple across Asia’s economies, experts said.

    “If the United States consumer quits buying things, it is going to hurt in Asia,” said Deborah Schuller, an Asia regional credit officer for Moody’s Investors Service. She said most rated corporations there would be able to withstand a nine-month recession in the United States, but if it were to stretch to 12 months or more, there could be some serious problems.

    Worries about China are adding to Asia’s uneasiness. Its private property market is in the midst of a shakeout, and scores of small developers have gone out of business. Chinese banks were hard hit on Monday, in part because they hold the bulk of Asia’s exposure to subprime mortgages.

    In Japan, stock markets fell to their lowest levels in more than two years on concerns that an American recession could be accompanied by a home-grown one. The Nikkei 225 fell 3.9 percent.

    Investors were unnerved by data from the Japanese Finance Ministry, which said that growth was slowing in five of the Japan’s economic regions. The Japanese economy has been weighed down by stagnant housing investment and a poor employment picture outside the major cities.

    Australian stocks slid again on Monday, their tenth consecutive day of losses, and the country’s longest losing streak for more than 25 years. The S.& P./ASX 200 index dropped 2.9 percent as investors scrambled to get out of companies perceived to have high exposure to debt.

    Allco Finance Group, a once-high-flying transport infrastructure fund that was part of the consortium that tried to buy Qantas Airways last year, was among the hardest hit, dropping over 35 percent.

    In both Europe and Asia, there may be further shocks, as banks total the fallout from their investments in the American mortgage market. Deutsche Bank, for one, will report its annual results on Feb. 7.

    “There’s an old saying in the market that banks lead us into recession and banks lead us out,” Mr. Boehm of Nordinvest said

  6. belliah Says:

    Yahoo Expected to Reject Microsoft’s Takeover Bid
    Sign In to E-Mail or Save This Print Reprints Share
    Del.icio.usDiggFacebookNewsvinePermalinkBy ANDREW ROSS SORKIN and MIGUEL HELFT
    Published: February 10, 2008
    Yahoo’s board plans to reject Microsoft’s $44.6 billion hostile bid in a letter on Monday, saying the offer undervalues Yahoo, people involved in the discussions said Saturday.

    Skip to next paragraph
    Related
    Facing Free Software, Microsoft Looks to Yahoo (February 9, 2008) Microsoft, which hopes Yahoo will help it compete more effectively against Google, is likely to continue its pursuit.

    The decision to reject the offer was made after a board meeting Friday in which directors discussed ways the company might respond to Microsoft’s week-old bid. The board heard presentations from Yahoo’s management and its bankers, who made the case that the company was worth more than the $31 a share Microsoft offered, people familiar with the discussions said.

    In response, Microsoft is likely to mount a behind-the-scenes campaign directed at Yahoo’s largest shareholders, hoping they will put pressure on Yahoo’s board, people familiar with Microsoft’s plans said. Hedge funds have bought up much of Yahoo’s stock since Microsoft made its bid, and they typically favor a quick sale as opposed to holding shares for the long term.

    Microsoft could also decide to make an offer directly to shareholders, called a tender offer, which would put even more pressure on Yahoo’s board to negotiate. Microsoft could also set a deadline for its offer.

    Microsoft has already intimated that it could seek to oust Yahoo’s board at its next election; it would have until March 13 to nominate a new slate of directors. Unlike other corporations, Yahoo has no protections to prevent an overthrow of its board.

    Microsoft could also raise its offer to Yahoo’s board. It had planned to bid as much as $35 a share before Yahoo’s shares dropped to a three-year low last week, when it reported disappointing earnings.

    Yahoo and Microsoft declined to comment Saturday. Yahoo said earlier in the week that its board was evaluating Microsoft’s offer and other options. The board’s decision to reject the bid was first reported on the Web site of The Wall Street Journal on Saturday.

    Some analysts said Yahoo’s rejection might simply be an attempt to get Microsoft to raise its bid.

    At the Friday meeting, the Yahoo board also discussed options for maintaining the company’s independence, including an advertising partnership with Google that could improve Yahoo’s financial strength, people familiar with the discussions said.

    Legal analysts said the board’s deliberations were complicated by the fact that both of its most talked-about options could face antitrust objections. Google has already raised potential antitrust issues about a Microsoft-Yahoo tie-up. A Google-Yahoo partnership in search advertising could have “even bigger antitrust implications,” said Carl W. Tobias, a law professor at the University of Richmond in Virginia.

    “It is a bit of a game and a gamble,” Mr. Tobias said. “Certainly a possibility is that the Google deal is being put forward to press Microsoft into offering more per share.”

    No other offers to acquire Yahoo have surfaced, according to people familiar with the situation.

    “They don’t have a whole lot of choices and a lot of defenses,” said Scott C. Dettmer, a veteran adviser to technology companies in Silicon Valley and a founding partner of the law firm Gunderson Dettmer Stough Villeneuve Franklin & Hachigian.

    Some analysts also noted that Microsoft’s initial offer, a mix of cash and stock, had already dropped in value as its shares have declined. It is worth about $29 a share based on Friday’s close

  7. belliah Says:

    15 Money Moves for Tough Times
    by Dana Dratch
    Monday, February 11, 2008
    provided by

    While economists debate whether the country is in a recession, consumers are being buffeted by skyrocketing prices, growing debt, layoffs, the subprime lending squeeze and a stock market roller coaster.

    While you may not be able to control the price of oil or the prime rate, there are some simple things you can do to shore up your finances, safeguard your future and ride out whatever the economy throws at you.

    More From Bankrate.com

    • Fifteen Valentine’s Day Poison Darts

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    • Debt Collector Should Accept Effort to Pay

    Here’s a list of ideas that hopefully will help you get through any hard times, plus tips if the hard times have already hit your household.

    Dealing with hard times

    1. Eliminate the nonessentials
    2. Start a go-to fund for emergencies
    3. Consider cutting back (rather than cutting out) for some expenses
    4. Safeguard your current job
    5. Be on the lookout for your next job
    6. Keep your debt load light
    7. Barring a complete personal financial meltdown, continue funding your retirement
    8. Swap extraneous spending for smart long-term moves
    9. Investigate refinancing
    10. Re-examine your insurance
    11. Adjust your withholding allowance
    12. Reward yourself
    13. Ask for an extension on your car loan
    14. Get an extension on the mortgage
    15. Talk to a mortgage counselor

    1. Eliminate the nonessentials. One way to avoid putting spending on automatic pilot: Write down everything you buy and the price. Then go through the list and “be brutal,” says Nancy Register, associate director for the Consumer Federation of America.

    Want to Know Some More Smart Money Moves?
    Learn the New Rules of Investing

    Ric Edelman, Certified Financial Planner and author of “The Truth About Money,” agrees.

    “You need to make sure you’re not spending any money that doesn’t absolutely, positively need to be spent,” he says. “A lot of people are spending money frivolously on wants they consider needs.”

    If you have kids, “It’s a great time to explain wants versus needs,” says Linda Sherry, director of national priorities for Consumer Action.

    2. Start a go-to fund for emergencies. The average family will face up to $2,000 a year in unexpected bills, says Register. For families already stretching to pay the bills, those surprises can trigger long-term financial problems. While you can’t plan what or when, you can have money set aside just in case.

    “You need to really boost your cash reserves,” says Edelman.

    His recommendation? Aim for one year’s living expenses in an assortment of liquid vehicles, like a bank account, money market account and short-term CDs.

    One way to kick-start that fund: Shave off 10 percent of your take-home pay every time you get a check, says Gail Cunningham, spokeswoman for the National Foundation for Credit Counseling.

    Keep it liquid and make saving automatic. Look for a money market account that pays the highest rate you can find, says Register. Want to make sure you’re consistent? Arrange to have the money deposited electronically.

    Deposit any “extra” money you receive, like that birthday check, bonus, tax refund or raise.

    3. Consider cutting back (rather than cutting out) some expenses. Depending on your current situation and concerns, it might make more sense to just scale back.

    “It’s much more effective if people cut back rather than cut out,” says Cunningham, “because it’s the change in behavior that’s so tough.”

    Examine services you’re paying for and not fully using, like the cell phone plan with unlimited texting or the premium cable package. Are there less expensive options that would make you just as happy? Would bundling (buying several services from the same provider) save money?

    Make it a family discussion, says Cunningham. “That way, everyone is pulling in the same direction.”

    4. Safeguard your current job. Remain engaged and enthusiastic, keep a high profile and network, network, network.

    Make yourself visible “as someone who wants to be part of the team,” says Martin Yate, executive employment coach and author of “Knock ‘Em Dead 2008: The Ultimate Job Search Guide.”

    Three keys to making yourself invaluable: First, analyze how much you save or produce for the company. And don’t be afraid to let higher-ups know what a key role you’re playing in company success.

    Second, stay current with the latest developments, continuing education and technology in your field.

    Third, participate in at least one local professional organization. Not only will the connections help you in your current job, they can also make securing the next one much easier.

    “It immediately gives you a relative, professional network for your search,” says Yate.

    5. Be on the lookout for your next job. Just like a corporation, you have to ensure your own financial survival, says Yate. If you believe that your company or job is in jeopardy, update that resume, reach out to your network, hit the job boards (anonymously) and ignite your job search.

    6. Keep your debt load light. Use credit only if you are paying off balances in full every month. Otherwise, switch to cash, checks or debit cards, says Cunningham. “That way when the money’s gone, the spending stops.”

    7. Barring a complete personal financial meltdown, continue funding your retirement. “Retirement is going to come,” says Edelman. “You need to be ready for it.”

    8. Swap extraneous spending for smart long-term moves. You can live another month without a new DVD player, but servicing your car or home heating system could net you a nice savings through fuel efficiency and keep you from having to shell out for expensive repairs later.

    9. Investigate refinancing. If your credit is good and you’re planning to stay in your house for a few more years, refinancing could be a smart move.

    Prime rate loans are the lowest they’ve been in two years, so investigate if a refinance could save you money every month, says Edelman.

    Do the math and analyze what it could save you.

    10. Re-examine your insurance. You don’t want to be underinsured or overinsured. The key is to have enough to cover you at the best rate you can find. Shop your policies, set your deductibles at the highest amount that you can comfortably pay out of pocket and make sure you’re getting credit for everything appropriate, like having car alarms, air bags and a good driving record, says Cunningham.

    11. Adjust your withholding allowance. “The average refund is well over $2,000,” says Cunningham. And most people “could use an extra $200 every month,” she says.

    The goal: Pay exactly what you owe. You can use the withholdings calculator at IRS.gov to determine what your withholding amounts should be. Then make the correction with your employer.

    “You can do that at any time of year,” says Cunningham.

    12. Reward yourself. Hold out a little discretionary money that you can use for fun.

    If you have an unexpected windfall, like a raise, bonus or tax refund, “Treat yourself with some small part and save the rest,” says Cunningham.

    Another trick for monthly family treats: At the end of the day everyone in the household puts their pocket change in a big jar. Says Cunningham, “At the end of the month, you’ll have $20 or $30, and you’ll never miss the money.”

    And if things get really bad …

    13. Ask for an extension on your car loan. “Typically, they will do this once or twice a year,” says Cunningham.

    How it works: Instead of making your regular payment this month, the lender would tack an extra month onto the end of your loan period. But you won’t get off with a zero payment this month, warns Cunningham. You still have to cover the interest.

    14. Get an extension on the mortgage. Some home lenders will let you do something similar for your mortgage, says Cunningham. The downside is, while it will help you if you’re trying to make up for a short-term problem, (like a large, unexpected bill), it’s not effective if you’ve got a long-running situation, like regular medical bills, a resetting interest rate you can’t handle or a long stretch of unemployment.

    To work out such a deal, contact the loss mitigation unit in the mortgage department of the company servicing your loan, says Allen Fishbein, director of housing and credit policy for the Consumer Federation of America. Other typical department tags: home preservation or foreclosure avoidance.

    15. Talk to a mortgage counselor. Just as you can get debt counseling help, you also can get mortgage counseling. What to look for: a nonprofit service with counselors who are HUD-certified.

    They can examine your situation and offer some options like renegotiating your mortgage or getting a rate freeze on your loan that will help you keep your home. They can also negotiate with your lender on your behalf. You can search for counselors on the HUD Web site or call the Department of Housing and Urban Development at (800) 569-4287.

    However, not all counselors can be trusted. “Beware of foreclosure rescue companies or organizations that bill themselves as counseling organizations” but are for-profit, says Fishbein.

    There is actually some good news for homeowners as a result of the lending crisis, says Fishbein. If you’re willing to be pretty candid about your situation, “there may be more options” available than you realize, he says. “Lenders are doing things they traditionally haven’t done to keep people in their homes.”

    Copyrighted, Bankrate.com. All rights reserved

  8. Ken Says:

    What is Mutati thinking? Where on earth has Nigeria invested such money in a foreign country. I submit to you that Mutati is being very naive. Please, please lets not waste time bragging about foreign investors and attempt to include Nigerians as such. This is a scam. Before you know it they will be asking the Bank of Zambia for an upfront fee of just $50 million before they can invest their money or will come up with some other crooked proposition. And then you will not see them again. I know we need investment, but under no circumstance should we ever entertain Nigerians. We cannot do business with these people. No, not Nigerians. If you think you have had problems with Indians or Chinese you have not seen anything yet. Nigerians should take their money and invest it in their judicial system and their anti corruption agencies if they have any at all. We really don’t need them.

  9. Bilia Says:

    ken You are right. It will be a wrong move to hook up with Nigeria. It is the most crooked Country in Africa. You can not do business with those guys.

    Thanks a trillion
    Bilia

  10. zambian Says:

    I tell you Mutati has no idea what he is doing.what can you get from Nai Nai?only wahalla(trouble).Well he should try and get scholarships for Zambians coz oil companies spend chump change to pay for Nigerias varsity students.but if he is doing 419 he will crying or Zambia will be crying.


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