Interest In Art As Investment: Experts Opinion About Art Investment

 Unlike the West, interest in art as investment is at a nascent stage in Pakistan. Answering questions on investment basics, three galleries directors in Karachi, Sameera Raja of Canvas, Riffat Alvi of VM and Seemah Niaz of Unicorn voice their opinions about consumer attitudes and art awareness levels.

 Is Art Investment On the Rise Now?

Sameera Raja: Art investment has taken a nose dive since the recession. Personally, I feel this is positive, as earlier all kinds of works being acquired as investment with no understanding of their quality or caliber of the artist. the buyer now has become more disconcerting and capable of shifting chaff from grain.

Riffat Alvi: Art investment  is a seller market these days, old buyers are cashing in on previous investments and most new buyers are buying with the intention of gaining rapid returns.

What Advice Would You Give To First Time Investors?

Sameera Raja: I have always maintained that your acquisition should foremost be based on personal liking. You have to live with the works; if you do not love it, do not buy it.

Seemah Niaz: Buy good contemporary art that appeals to you. It will automatically enhance in value.

Do Buyers Invest Primarily In The Reputation And Ranking Of An Artist, Or The Aesthetic Value Of An Art Piece?


Sameerah raja: People buy art for both reason aesthetic and social, while some buy it for investment purposes as well. There are very few collectors in Pakistan, though the term is used very often and loosely to encompass all buyers. Each of these patrons acquires art for his/her reasons, which i felt are self explanatory.

Riffat Alvi: It is the aesthetics of the art object that impact or the buyers at first sight.

Seemah Niaz: Mainly for the reputation, unfortunately.

How To Do Personal Financial Management:Importance Of personal financial Management

Personal Finance is a new term which is getting popularity now a days. In Personal Finance Banking, Career and Work, Family, Insurance, Loans, Retirements and Real Estate are included.
Actually life is really became so tough, and no one has surety of safe future for that everyone is trying to invest in a very good place where he can get vast number of opportunities in the future and where he will be able to get maximum output in the future. For this reason the term Personal Finance getting fame around the globe and its importance is increasing.
I cannot describe and elaborate the Personal Finance in only one article but i will try to write more about Personal Finance and its importance.

How To Get Ridd Off Bad Debt,Bad Debt Expenses And Bad Debt Loan

In this article i will discuss about debt, that what is this and how it creates problem for us and how to get rid off this. Debt is actually a loan which we take from Bank or from any finance provider. We take actually to run our businesses or take to expand our operations. Now a days bad debt is becoming problem for a common man, who take debt to get the facilities of life such as car and Home etc.
Save Yourself From Bad Debt:
              If you want to save yourself from bad debt then first thing which you must have to do is always take debt according to your need. Do not take more debt then you need, also see whether the interest amount is easy for you to pay off or not.
Secondly you should be careful about the pay off installment on time. You should not late your installment and pay your all installment on time. Consequently you will be credible and whenever you need some loan in future everyone will lend you easily.
So these are some brief tips about to not get bad debt, you should follow these and to sake of yourself from bad debt.

Why We Better Save Money And Why We Invest MOney

Few days back i just earned 200$ from affiliate marketing. I thought i should save 100$ for future and should spend rest of money for my necessities. One of my friend was with me at that time, he just asked why are you saving money? What you have to do? I just replied him i am saving money so that after sometime i would have a good amount of money and then i can buy a good car also i can pay my university fee from that saving of money. My friend asked what is your university fee right now?  I told him; he said that this university fee will be increase by the end of you semester due to Inflation and other factors, but you are saving money according to today university fee, so you should better invest your money somewhere so that by the end of your semester you will get exactly that amount which is equal to you future university fee. That was a simple formula and i got that, so i decided to invest my all savings somewhere.
We people use to save money in our daily lives without understand that if we keep our money in the idle form that would not be beneficial for us in the future. Because as we all know that value of money is increasing as time pass. We are not discussing the factors behind the increment of value of money, but we are trying to tackle that increasing value of money. I think we should better put our savings in a saving account instead of putting our savings in the current account, because in the saving accounts of bank, you will get some extra benefit on your savings and that will be off course same as you saving for any future purpose.

Euro Currency cannot die says European Commissioner Chief:Strong Europe Economy

Euro cannot die says European commissioner chief:

European commissioner head Jose manuel Barroso denied that Europe was doomed, saying it was one of the strongest currencies in the world.when asked whether common European currency might not survive because of the economic disparities between the various euro zone countries, Barroso replied, :I do not share that analysis."
"The Euro is one of the strongest currencies in the world and ranked second as a global currency,"he said, adding, "We have a lower debt level then the United States or Japan" While admitting that certain euro zone countries has problems, Barroso added, "It is in the interests of all members of the zone and the countries which do not belong to it that the euro should be strong and credible."
He stressed the "determination of European Leaders to do everything necessary to maintains the euro stability, " pointing to a decision taken on Thursday at a Brussels Summit to publish the results of test of European bank's capacity to stand up to the economic crisis. European leaders has shown themselves capable of adopting measures "not only to strengthen pact but also to make progress on budgetary reform.

UAE Is Among The Top Nations In The Global Competitiveness: World Economic Forum

UAE Among The Top Nations In The Global Competitiveness:World Economic Forum:

The UAE is among the top nations in the global competitiveness report for 2009 to 2010 published by the World Economic Forum.

The yearly report evaluates competitiveness along nine parameters:

Institutions, Infrastructure, Macro economy Health And Primary Education, Higher Education And Training, Market Efficiency, Technological Readiness, Business Sophistication And Innovation.

His Highness Shaikh Muhammad Bin Rashid Al Maktoum, Vice President And Prime Minister of UAE and ruler of Dubai, on Monday praised the progress made by UAE international and said it should serve as incentive for greater accomplishment in the future.
he stressed the importance of following up on global competitiveness reports and book a place for UAE among the best countries by 2021.

Corporate Finance: Tips For Corporate Finance And Corporate Finance Solution

As per my observation there are many economic and financial problems facing by different companies and it is looking quit difficult for them to handle with these problem. They have to hire financial adviser relating with all these issues whereas i think these are not such problems which one need to bear such huge expenses. Here are some useful Tips about corporate Finance, Problems regarding Corporate Finance and solutions of corporate finance.

Corporate Finance:

                  Corporate finance deals with all the matters and issues rellated won the corporate level. All such issues of companies and those issues which are related with high management level, and use for decision making that is actually coporate finance. Simply we can say that finance at corporate level is call Corporate Finance.

Important Aspects Of Corporate Finance:

                      There are manyaspects of corporate finance, but here i will discuss only the issues and the matters whic are important aspects of corporate finance, and can be useful in some manner. Further more we will discuss here about the decision making on assets and other relevant issues.
Debt is an important aspect which we use in corporate level. This is actually a cheaper sourceof financing, if anyone needed some amount for its expansion program or for anyother thing that debt is the best source of financing, but it should be upto the certain point, beyond that point it will be harmful for the value of company.

Solution Corporate Finance:

                    If we talk about the corporate finance problems and there solutions, then the major problem bear by the majority companies is actually the mixing of equity and debt. I would like to suggest here that debt is the cheaper source so one should always prefer debt on equity. But it should must be for the certain point.
This is the best solution of corporate finance which i can give about the corporate finance problems and