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Dr. D.S. Merchant's Articles in Finance

  • California Lemon Law
    Since Lemon Laws vary from state to state so accurate information on the scope and restrictions of Lemon Laws in a particular state can be obtained from an attorney practicing in that state.

    In California, anything mechanical is covered by lemon laws as well as the federal lemon laws. The federal lemon law provides that the warranter may be obligated to pay attorney fees if he is involved in a lemon law suit.
  • Creating Investment Opportunities for Small Investors
    The Stock Exchange provides opportunity for small investors like the big investors to own shares of the same or different companies.
  • Current Money Trends
    World Trade Organization negotiations aims to lower barriers to trade around the world, focusing on making trade fairer for developing countries. Talks have been hung over a divide between the rich, developed countries, and the major developing countries. Agricultural subsidies are the most significant issue upon which agreement has been hardest to negotiate. By contrast, there was much agreement on trade facilitation and capacity building.
  • Define Lemon Law?
    A vehicle that has been bought back by the manufacturer from the customer is known as a Lemon Buy Back. They are then often sold in auctions as used cars by the manufacturers.
  • First Microfinance Bank Ltd (FMFBL)
    The First Microfinance Bank Ltd (FMFBL) is the Pakistan's first private sector micro credit institution licensed by State Bank of Pakistan under the Microfinance Ordinance, 2001. The Ordinance defines that the FMFBL borrowers are those whose annual income is below the taxable limit. The Microfinance Institutions are allowed under this Ordinance to provide a whole range of services under one roof such as granting loans, generating deposits, providing remittance facilities and other related financial services.
  • Government Capital-raising for Development Projects
    Governments at various levels may decide to borrow money for financing infrastructure projects like sewage and water treatment works or housing estates by selling another category of securities known as bonds. These bonds are raised through the Stock Exchange where public buy them, thus loaning money to the government.
  • Graceful Drawing & Engineering Surveying
    One of the few repair centers of survey instruments is ‘Graceful Drawing & surveying’. This repair center deals in almost all kinds of survey instruments, for purchase of survey instruments, repairs and also updating in the hardware of the instrument. Having state of the art equipments to quickly diagnose and repair instruments and skillful and experienced working staff to give 100% quality service to not to let down customers’ immediate demands rental rates.
  • History of Money
    The first instances of money were objects with fundamental value are called commodity money and includes any commonly-available commodity that has intrinsic value; historical examples include rare seashells, whale's teeth, and cattle. In medieval Iraq, bread was used as an early form of money.
  • History of Stock Exchanges
    The courratiers de change were concerned with managing the debts of agricultural communities on behalf of the banks and these men also traded in debts. These men were the first brokers.

    In the middle of the 13th century, Venetian bankers traded in government securities. In 1351, the Venetian Government outlawed spreading rumors about lowering the price of government funds. Because of this rumor people in Pisa, Verona, Genoa and Florence also started trading in government securities which was possible because there were independent city states ruled by a council of powerful citizens during the 14th century.
  • History of Trade
    Trade originated in prehistoric times. It was the main facility of prehistoric people, who bartered goods and services from each other when modern money was never even thought of. Peter Watson dates the history of long-distance commerce from circa 150,000 years ago.
  • International organizations of Finance and Trading
    European Common Market
    GATT = General Agreement on Tariffs and Trade
    G8
    IMF = International Monetary Fund
    OPEC = Organization of the Petroleum Exporting Countries
  • Lemon Law
    In California, anything mechanical is covered by lemon laws as well as the federal lemon laws. The federal lemon law provides that the warranter may be obligated to pay attorney fees if he is involved in a lemon law suit.
  • Mobile Merchant Solutions
    Merchants can take advantage of ARB’s flexible features to enhance customer service and build customer loyalty, while reducing authorization declines and overall administrative costs.

    Never miss a sale! Improve customer service and enhance sales by accepting credit card transactions anytime, anywhere with our secure mobile solutions.
  • Mobilizing Savings for Investment
    When people draw their savings and invest in shares, it leads to a more balanced allotment of resources because funds, which could have been consumed, or kept in idle deposits with banks, are mobilized to promote business activity that benefits several economic sectors like agriculture, commerce and industry, resulting in a stronger economic growth.
  • Payment Processing Methods and Paycents Payment Gateway
    Retailers can now process credit card transactions via IP enabled card-swipe terminals and point-of-sale (POS) software to reduce authorization times and telecom costs, Accept credit card and electronic check orders by mail, telephone and fax. Enter and upload individual and batch transactions via secure browser-based interface.

    PayCard has been designed to meet the needs of your employees, vendors, suppliers, and constituent, Merchants can take advantage of Automatic Re-Occurring Billing (ARB) flexible features to enhance customer service and build customer loyalty, while reducing authorization declines and overall administrative costs. credit card and electronic check payments securely and easily from your Web site. PayCents provides payment integration options, customized fraud detection, and tools for online billing.
  • Raising Capital for Businesses
    The Stock Exchange helps current and newly-formed companies raise capital for building and expanding their business through selling shares to the investing public.
  • Requirements by Stock Exchange
    The securities traded on a stock exchange include: shares issued by companies, unit trusts and other pooled investment products and bonds. To be able to trade a security on a certain stock exchange, it has to be listed there. Usually there is a central location at least for recordkeeping,
  • Stock Exchange Listing Requirements
    Listing requirements are the set of conditions forced by any given stock exchange upon companies that want to be listed on that exchange.
  • What is Lemon Law?
    A dealer or manufacturer should have made number of attempts to repair the vehicle before being declared as lemon. Usually three or more attempts in row over a short period of time are required for any vehicle to be termed as lemon. Lemon law is also valid to vehicles that have been resold and are still under warranty
  • Why Peoples Trade Videotapes, Celebrity Cards or Any Other Attractive Cards?
    There are two common types of shares; Ordinary Shares and Preference Shares. Preference shareholders have 'preference' over ordinary shareholders in relation to the payment of dividends and/or in the event of liquidation. Owners of both ordinary and preference shares has voting rights. For example, if you buy 1000 shares in a company that has issued a total of 100,000 shares, you own one percent of that company.

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