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Showing posts with label insurance term life insurance quote cheap car insurance student loan consolidation auto insurance. Show all posts

FOREX-Euro rallies on Greece deal, US debt impasse hurts dollar


 Euro-zone deal seen as bolder than expected
* Focus shifts to US debt ceiling talks
* Dollar/yen hits 4-month low, limited by intervention fear
* Kiwi hear 30-year high, Canadian dollar at 3 1/2-year high

SYDNEY/TOKYO, July 22 (Reuters) - The euro rallied to a two-week high against the dollar in Asia on Friday after euro-zone officials gave their financial rescue fund sweeping new powers to solve Greece's debt troubles, easing fears the country's debt crisis would spread.
The dollar was punished across the board as the encouraging news out of Europe contrasted with confusion over how much progress Washington is making to avoid a U.S. default.
"Europe has made a big stride after all while the U.S. is still dragging its feet on the debt ceiling. That's why the dollar is under pressure now," said a dealer at a Japanese bank in Tokyo.
Markets cheered the package as it was far more ambitious than expected earlier this week. The euro climbed to a two-week high of $1.4440 EUR=before steadying around $1.4390.
The euro is around the level of the 50 percent retracement of its decline from early May until last week, in which worry about the euro zone debt crisis played a big role.
European leaders have agreed on a bailout package that would make it easier for Greece to reduce debt more sustainably by easing terms of loans and by making Greek bond investors shoulder some of the burden. [nL6E7IK2VL] [nN1E76K237]
The leaders also made provisions for limiting the damage if, as seems likely, credit rating agencies declare Greece to be in temporary default, with the European Central Bank now dropping its opposition to a selective default of Greek debt.
The region's rescue fund, the European Financial Stability Facility, will be allowed to buy bonds in the secondary market if the ECB deems that necessary to fight the crisis.
Euro bears say it is yet to be seen if the measures can stabilise other indebted countries and stave off contagion to the currency bloc's bigger economies.
Still, it was enough to prompt short-covering in the euro.
"It's probably not a long-term solution but it provides some clarity ... At the end of the day it doesn't address key issues, but it will contain contagion," said Grant Turley, a strategist at ANZ in Sydney.
The common currency could target around $1.4455, where charts show an Elliot wave equality target as well as the top of the Ichimoku cloud, and then $1.4520, a 61.8 percent retracement of its decline since May.
Implied volatilities on euro/dollar options dropped as fears receded that disappointment over the summit could pummel the euro. One-month volatility EUR1MO= fell to around 12 percent from above 13 percent before the summit.
The single currency also rose to around 1.1765 Swiss francs EURCHF=R, 3.5 percent above the record low of 1.1365 francs hit at the start of the week.
DOLLAR INDEX BELOW TRENDLINE
As the euro recovered, the dollar index .DXY wallowed near a six-week low after posting its biggest daily drop of the year on Thursday.
The index stood at 74.096, near Thursday's low of 73.889, having clearly broken below its trendline support since May.
The U.S. currency also slipped to a four-month trough of 78.22 yen JPY=, the lowest since joint G7 intervention in mid-March, before recovering to 78.58 yen.
Still, few traders think Japan is ready to intervene in the near future, in part because the yen is still off recent peaks against most currencies except the dollar.
Japanese margin traders have a huge long position in the dollar, which means any intervention would likely only invite their profit-taking and have a limited impact.
Pricing of dollar/yen options also suggested limited expectations of Japan's intervention with scant demand for yen puts, whose value would gain sharply in the event of yen selling intervention.
Their risk reversal spreads, which measure the price gap between yen calls and yen puts, rose to the highest level in favour of yen calls, pointing to limited demand for yen puts.
That contrasts with the days following Japan's intervention last September, when many market players bought yen puts for hedging.
While enlivened risk appetite after the euro-zone debt deal and the entrenched perception that U.S. monetary policy will remain loose for the foreseeable future are the main damper on the currency, some traders say the dollar was not helped by uncertainty over wrangling in Washington on the debt ceiling.
While efforts to craft a $3 trillion deficit-reduction deal gained traction on Thursday, the White House and Republicans have not broken their impasse over higher taxes, which are opposed by the Republicans, who control the lower house.
Although most market players expect some sort of deal by the Aug. 2 deadline to raise the $14.3 trillion debt ceiling and avoid default, some worry that failure to reach a major deficit reduction plan could lead to a credit downgrading.

Muthoot Finance to offer loans against gold ETF units

Muthoot Finance Ltd, which claims to be the largest gold finance NBFC in India, on Friday said it will now offer loans against Gold ETF (Exchange Traded Funds) units as security.
Launching the service, Muthoot Finance Ltd Managing Director George Alexander Muthoot told reporters here that the loans against gold ETF units was a scheme through which Muthoot Finance plans to venture into a totally new segment of gold financing, which would not only add value, but also enable the company to service the financial requirements of newer customer segments.
The new scheme would come into force by this month end and would enable the customers to avail finance at the rate of 15 per cent interest against their Gold ETF units to the extent of 85 per cent of the Net Asset Value of ETFs.
Muthoot has tied up with Benchmark, for offering the service, which would be available at 30 branches of Muthoot all over the country in the first phase and would be later extended to all 3,000 of its branches.
He said the company expects to extend up to Rs 1,000 crore worth of loans this fiscal.
Gold ETFs have seen a progressive rise in popularity throughout the country over the past two to three years, attaining a whopping size of over Rs 5,000 crore as of June this year, resulting out of active investments from over 320,000 investors, according to National Stock Exchange Assistant Vice-President and Southern Region Head Sunita Anand.
Benchmark Asset Management Company Pvt Ltd National Head-Sales Anil Desai said the golf ETF loan scheme by Muthoot Finance Ltd would act as a source for investors in gold ETFs to raise funds against their investment units during times of need, instead of selling those units.
Commonly referred as ‘paper gold’, gold ETFs are mutual fund units issued by asset management companies against 99.5 per cent purity physical gold deposited with a SEBI-registered custodian.
Gold ETFs are listed and traded on stock exchanges and can be bought and sold like stocks on a real time basis.
These funds are passively managed and mirror domestic gold prices. By enabling investors to invest in gold without holding it in physical form, gold ETFs offer a rather unique investment opportunity to investors.

Facebook bans Google+ ad

Ingenuity is surely something to be admired. Commercial ingenuity is something to be revered.
Sometimes, though, it seems that certain tech companies only revere their own ingenuity. That seems to be the case with Facebook, which, as reported by TechCrunch's Erick Schonfeld, has removed a piece of fine commercial ingenuity from its site.
App developer Michael Lee Johnson, conscious of the need to be big on Google+ or be nobody, wondered what the best way to levitate his Google+ circles might be. He hit upon a fine idea: he placed an ad on Facebook. It was a simple thing that was headlined: "Add Michael to Google+."
The copy read: "If you're lucky enough to have a Google+ account, add Michael Lee Johnson, Internet Geek, App Developer, Technological Virtuoso."
If those words weren't enough to persuade Facebook users that Johnson was a must for their Google+, he added a fine picture of himself wearing a jaunty cap.



You're not guessing what happened with the ad, are you? You know what happened, don't you? Facebook didn't, according to Johnson, merely erase this heinous horse of Troy from its pages. It reportedly banned all his other campaigns too.
The message he received read as follows: "Your account has been disabled. All of your adverts have been stopped and should not be run again on the site under any circumstances. Generally, we disable an account if too many of its adverts violate our Terms of Use or Advertising guidelines. Unfortunately we cannot provide you with the specific violations that have been deemed abusive. Please review our Terms of Use and Advertising guidelines if you have any further questions."
Because my life's purpose is to be helpful, I scanned Facebook's Terms of Use and Advertising just to see what specific clause might have been besmirched by Johnson's chutzpah.
Perhaps it was Clause 11 in the "Special Provisions Applicable to Advertisers" section: "You will not issue any press release or make public statements about your relationship with Facebook without written permission." Johnson had shamefully declared on Google+ that he was placing the ad.
Perhaps it was Clause 4d of Facebook's Advertising Guidelines: "Ads cannot insult, harass, or threaten a user." He was, some might say, harrassing and insulting Facebook loyalists by his mere suggestion that there might be another place to socially network.
Or perhaps Facebook, its nose feeling tweaked, merely decided to reach for 6a of the same Advertising Guidelines: "We may refuse ads at any time for any reason, including our determination that they promote competing products or services or negatively affect our business or relationship with our users."
Still, ejecting all of Johnson's campaigns seems a touch cruel. Perhaps Johnson will consider an action against Facebook for emotional distress and, well, damage to his reputation.
This he will have to place, so Facebook's Statement of Rights and Responsibilities tells me, in a court in Santa Clara County. For now, Johnson's only public statements have been: "LOL." Oh, and "Facebook. You Suck."
1,460 people currently have Johnson in their Google+ circles. I cannot find Google+'s No. 1 personality, Facebook CEO Mark Zuckerberg, among them.