2010年5月11日

滙豐銀行推出大中華區投資產品

新的100+系列結構性投資產品

滙豐銀行推出滙豐銀行100+系列大中華區投資產品，提供澳洲投資者涉足亞洲經濟潛力增長最快的股票市場。這項新的資本保障型結構投資產品涉足中國內地、香港和臺灣的股市指數，投資期限為5年，是滙豐銀行第四款100+系列的結構性投資產品。

澳洲滙豐銀行全球市場銷售總監Ian Collins說：“大中華區投資產品，響應了澳洲國內投資者對能夠涉足新興市場，尤其是大中華區出色增長潛力投資產品的需求。

“該產品專為那些既希望涉足中國增長機會、又想在市場調整期間穩保本金的投資者而設。此外，該產品還有一個與眾不同的特點，就是投資者可以選擇以資本成長或定期收入的方式來領取收益，滿足不同的理財要求。

“我們預測，借助中國龐大消費力量的有力支撐，中國內地和香港股市將隨著中國財富的繼續增長，在2010年保持上升趨勢。同樣，隨著海峽兩岸政治氣氛的緩和，預計臺灣股市也將呈現績優表現。大中華區投資產品幫助澳洲投資者把握這一上升潛力，”Collins說。

滙豐銀行100+系列大中華區投資產品將由獨立代銷機構代銷，此外也通過澳洲滙豐銀行及其理財顧問直接銷售。該產品經由Lonsec審查，並被授予“推薦”評級。

滙豐銀行100+系列大中華區投資產品

滙豐銀行100+系列大中華區投資產品是一款資本保障型產品，其投資收益與下列基準指數等權組合的表現掛鈎：恒生指數、MSCI臺灣指數以及iShares安碩新華富時A50中國指數交易所買賣基金。

本新聞通訊稿發佈單位：                                                           總部：

澳洲滙豐銀行                                     Level 32, 580 George Street, Sydney NSW

ABN 48 006 434 162                                                       網址: www.hsbc.com.au

滙豐銀行推出大中華區投資產品/2

投資者可選擇成長型或收入型投資方案，或二者兼有。成長型投資產品的收益為基準指數5年投資期100%的業績，取投資期最後6個月內每個月的觀察日的平均表現，成長封頂為115%(《產品披露說明書》(PDS)編制日期的參照指標)。收入型投資產品適合希望定期領取收入的投資者，其投資收益為基準指數100%年度化業績，收入封頂為每年13.2%(PDS編制日期的參照指標)。年度化收益是指基準指數收益除以投資年期所得的平均收益。

滙豐銀行100+系列大中華區投資產品認購期限自2010年5月17日起至2010年6月18日止。該投資產品於2010年6月30日開始運作，最低投資額為2萬澳元，之後每次增加投資額最小為1千澳元。想要代銷本產品的理財顧問可致電1300 307 049聯絡滙豐銀行。《產品披露說明書》可於網上查閱。

結束/更多-

媒體聯絡方式：

Kate Epworth，電話：+61 2 9006 5682 /

+61 418 700 172 /

kateepworth@hsbc.com.au

Daniel Pigott，電話：+61 2 9006 5396 /

+61 468 988 176 /

danielpigott@hsbc.com.au

編輯須知

澳洲滙豐銀行

滙豐銀行集團在澳洲通過35家分行和辦事處組成的網路，提供全面的金融服務。這些服務包括個人及商業理財服務、理財策劃、貿易融資、庫務部與金融市場、付款和現金管理及證券託管。在澳洲開展經營業務的滙豐銀行集團主要機構包括澳洲滙豐銀行(ABN 48 006 434 162)和香港上海滙豐銀行有限公司(ABN 65 117 925 970)。滙豐銀行以其“環球金融、地方智慧”的經營理念，開展全球業務。

Lonsec

本文所述之Lonsec Limited (“Lonsec”) ABN 56 061 751 102的評級(2010年4月評定)僅限於“一般性建議”，僅出於對金融產品投資價值的考量。該評級不構成購買、銷售或持有相關產品的建議，投資該產品前，您應徵詢獨立財務意見。該評級若有變動，恕不另行通知，Lonsec也不承擔在本文出版後予以更新的義務。Lonsec基於綜合客觀標準，向基金管理機構收取產品評級費用。

結束/全部

Film Financing: US Productions for Global Investors

We have been asked by a number of readers last 2 weeks about if global investors will consider US film projects? The answer is yes.

We are launching a series of articles relating to film financing and investments, these articles will be included as part of our Global Film & Entertainment Investors Guide.

Why Global Investors are interested in US productions

Global investment institutions & film financiers do invest in US based productions. In fact, they have probably made more investments into US opportunities than local opportunities.

The reason is very simple, US is the world’s largest and most sophisticated entertainment market, and if these investments can make a success in US, other markets will simply follow.  

We found this quite a contrast to other Venture Capital / Private Equity industries, where investment mandate are usually limited to regional basis. In the film financing industry, it is almost the opposite, where you see more interests in international projects, especially North American projects.

Another interesting trend is government / film related grants are also designed to attract US productions; and these grants and incentives are available; including financing opportunities to support US film productions. Mexico, for instance, announced its latest grants and incentives to attract US film productions into Mexico. Similar programs are also available in France and Germany.

Asian film investors are also becoming more active in investing in US productions. Ironically, this has raised some critics in Asia as Asian investors have invested more into US films than local films!  

From Asia, emerging film investors are from India, Korea and Japan. These investments were made directly into a number of media and film companies; or indirectly into film productions as commercial loans; or providing financing to construct new studios / facilities.

However, Asian banks, unlike American and European banks have so far provided very limited funding to film sectors; it is something that many banks in the region are currently considering as part of alternative asset lending; and eventually will become another source for film financing sources; our estimation is these will start from banks in Hong Kong, Singapore, Japan and Australia.

Indian firms seem to have dominated some headlines lately as major investors into North American films; again, they may have invested more into Hollywood than local movies.  These investments had been from Indian conglomerates; but also successful Indian producers, film-makers and actors; many actually live in US.

However, there are always risks in approaching international investors; we believe the following factors should be considered if you are interested in exploring international investors / financiers.

1.       Considering the exchange rates factors, this is one of the most attractive reasons why foreign investors are interested in US opportunities, this is a main factor why European and Japanese investors love US opportunities now.

2.       Find markets that have a Government Policy or Strategy to support film industries, as this means Government agencies may also support the firm to finance the deal. Some good examples include: Korea, Singapore, Germany and France; where they regard investing into foreign film production is part of the grand strategy

3.       Are there new policies or incentives available for international film productions? This relates to examples in Mexico, Singapore and Germany

4.       Any past financiers behind US productions? For instance,  Avatar is backed by UK based firms, a large number of Hollywood movies are backed by French and German investors.

5.       Look for international distributors; they are often potential financiers or have network or access to local financiers.

6.       Look for well known actors and directors in the local markets as they are often financiers themselves. Good examples in Asia are famous actors like Jacky Chan, Chow Yat-Fat or Hong Kong turned Hollywood super-director John Woo.

7.       Think how you can distribute these films in international markets and are these movies suitable for international markets?

8.       You should consider from the cultural barriers’ perspective; certain movies are not allowed to be shown in Asia & Middle East due to religious reasons, or they maybe rated differently (hence impacting on your revenue); think about what local audiences will think about your production before you approach these investors.

Interested to read more about film financing, looking for information on financiers, investors or grants? Please visit our website http://researchwhitepaper.com to check out our Global Film & Entertainment Investors Guide.

Do you really think that a tax debt relief attorney can help you with your problems? This will depend on your current situation. If you have incurred huge tax debts, you might as well pay $250 - $700 on an hourly basis to a qualified and experienced attorney. However, if you only missed on year of filing the return, you can handle the situation on your own.

You need to look out for some signs, which will tell you if it’s a good idea to hire a competent attorney. Firstly, if you are having problems with foreign tax, you may need the help of an expert. This is a complex situation and only lawyers may be able to understand. Multi country treaties are being considered and so only the professionals can help you.

Once the IRS sends out a notice that they will sue you, this is already a complicated situation. When you’re against the IRS, it’s a hopeless case, especially if you’re not well represented. You have to work with an experienced attorney so that things can still be settled outside court. It does can get really bothersome on your part if the agency sues you.

For taxpayers who want to opt for the Offer in Compromise, you will definitely need the help of tax debt solution companies. The process of obtaining this solution or program is not as easy as you think. It is rigorous and without knowledge on the matter, you can easily get lost. If you have a lot of assets, it can be hard to secure such compromise from the IRS.

The attorney can easily argue in the matter and probably determine if some of your liabilities are attached to such assets. Provide the necessary info to your attorney so that you can get considerable results. These are the situations that you should consider hiring a competent attorney.

Who wouldn’t want to find a tax debt relief solution? If you’re in a sticky situation with the IRS, it’s the best time to consult with someone who can legally represent you. Soon, you can solve your tax debts and live an easier life.

When taxes are underestimated or when returns are filed incorrectly, you will definitely have an encounter with the IRS. You will soon find yourself facing financial liability because of the back taxes. Debt relief can come in many forms but since the situation of a taxpayer varies from others, there is no one perfect solution to address your tax debts.

The good news is that once you’re granted to receive debt relief, you can pay your dues in manageable amounts. The IRS administers different programs to aid taxpayers who have outstanding debts. Tax liabilities won’t just go away or fade; you have to face the agency and find the perfect solution.

A qualified and experienced professional can help you in reviewing these various programs and your tax debts. With several alternatives available at your disposal, you simply have to pay attention to each of them. Whether you owe IRS a small or large amount, you still need to settle it.

A California mortgage refinance loan is a good solution for those individuals in California who cannot meet their monthly mortgage loan payments. To be exact, this type of mortgage loan is taken to pay an existing mortgage loan.

California mortgages are loans for large amounts, commonly taken for a property or a house. They are available through banks, private lenders or property sellers. Unlike usual personal and home loans, they are termed for longer periods (up to 50 years). A California mortgage loan requires a minimum duration of 15 years. But, California refinance mortgages are short term loans that have considerably lower interest rates. They have lower EMI compared to those decided for the usual mortgage loans.

California mortgage refinance loans sometimes help you free the property being held as security for an existing mortgage loan. You can give the same property on rent or lease instead to achieve more cash for the installments. There are different types of California loans. The lenders help you choose the best refinancing plan to suit all your needs.

California mortgage refinance loans can be used to pay off either the first or second California mortgages. Refinancing can lower the EMI to a great degree.

It is wise to look into all the pros and cons before getting into an agreement for a refinance loan. Financial advisers, licensed brokers and mortgage lenders are able to provide ample advice on mortgages refinance loans at no cost. A number of websites also provide some excellent information regarding all the procedures involved in applying for a California mortgage refinance loan.

Free refinancing quotes are also available on the Internet. A few sites even supply multiple quotes from various mortgage lenders with just one refinancing application form. From these quotes, you can easily select one that is ideal for your needs.

As far as the California is concerned you will certainly have the following things in mind. The first thing is that it is a prosperous state and the second point is that almost all the people are living the happier life. Almost all of them are having their own home. Those who do not have are willing to buy the new home for them and the government is supporting them as well. They are easily able to get the grants. But you need to have the very low salary for that. In fact you need to be very poor. However many home mortgages are also available and I am going to talk about it in this article.

There are many home mortgages scheme that are available in California. They are certainly quite important to understand as well. What are they? This is a very important question. I would like to answer this question by giving some details and mean while I will also compare it with the national rates. You will soon find out that the rates in California are lower than the national rates.

What exactly is a debt consolidation home equity loan? This is kind of a hybrid between two types of loans, both the age old debt consolidation loan and the all famous home equity loan. If you are considering consolidating your credit card, auto loan, and other unsecured debt into one lower payment then all of them combined, this may be the loan for you.

First, I would like to discuss the loan that we are talking about. A debt consolidation loan, by itself, works like this. Let’s say you have 8 bills for credit cards, an auto loan, and 2 small signature loans at a small lending institution. The total balance is $14,500 in debt. Your current payment is $426 every month. A debt consolidation loan will roll all these loans into one and stretch out the length of payment to 5 years. At current rates the new payment will be $246 per month.

Second, we will discuss the home equity loan. Just as it sounds, this is a loan against the equity in your home. If you have sufficient equity in your home, this kind of a loan can be easy to get as the creditor will use the home as collateral for the loan. If you owe $145,000 on your home and the value is appraised at $235,000, there is $90,000 in equity.

However most home loans debt are only allowable on up to 70% of the value. Using the same figures, this makes the value of your home as far as the bank is concerned for the loan, $165,000. So you would be able to get a loan of $20,000. This loan would be for a term of 5 to 20 years and could considerably reduce your monthly outlay. The same $14,500 borrowed on a ten year debt consolidation home equity loan, would have repayments of $152 each month.

With debt consolidation you will pay less but usually for a longer period of time. If you are in desperate need of lower payments in order to survive, this can be a good deal and save your credit rating.

One of the pitfalls of the debt consolidation loan is credit qualification problems. If you have already been experiencing a hardship before you finally applied for the loan, this can cause you to pay a much higher interest rate. In some cases, you may not be able to qualify for the loan at all. The trick is to apply for the loan if you see the trouble coming, not after you have been in the middle of personal financial hardship for months.

A debt consolidation loan can be a good thing and save you much hardship and heartache. However, you must be aware that the debt consolidation loan that is using your home equity as collateral can continue to take a big chunk out of the equity for a long time. If home values fall, you could be in debt for more than your home is worth.

Just use good judgment and think wisely before using your home equity to consolidate debt. Always seek the advise of a financial professional to help you make a wise lending decision.

Financial education is an extremely vital issue for everyone nowadays. You can spend many years undersaving for retirement and only to find out at the age of sixty or sixty-five that you should not have accumulated enough to afford decent and comfortable rest. But until then, there is no signal, no warning. Most people begin planning for retirement or making changes to their retirement savings accounts, only when they witness the negative shocks to people around them (older siblings or parents), but obviously, based on such signals is scanty.

This applies not only to assets, but also to debts. The consequences can be catastrophic. People who have accumulated a considerable amount of debt may have to suspend retirement or other jobs or predicting a sharp decrease in their standard of living after retirement. They may even end up in bankruptcy. As a result of the recent crisis, saving has increased to unprecedented levels, but, unfortunately, it took a negative shock that will lead to appreciation for the creation of buffer stock of savings.

All the cases obviously should make you think of the idea to get a financial degree. So why not taking for example any finance courses and become a real pro and master of your own finance? Of course, it may seem too professional, because, for instance, ACCA is an accountant degree, but it can be very helpful. Actually good financial education is priceless: it will help you feel confident while doing your financial planning, managing your debt wisely and making good investments.

It’s of colossal importance to be up-to-date with your current financial status, it might not be much fun though. Financial markets are very complex and hard to understand for a person who isn’t acquainted to this sphere. Therefore, it’s really essential for ourselves to be more responsible for our financial well-being. Just regular checkups can keep and provide a better quality life. In order to know more about different financial education options you can visit studyinsitite.net - educational blog that provides helpful advice and useful tips for everyone.

If the ads you are looking into say that online forex trading is a breeze, well…that might be true; especially if you consider the fact that breezes come and go leaving you with nothing at all. The forex is one of the most voluminous markets in the world, where exchange of finances average to more than a billion dollars on a regular day. In some really extraordinary trading day, this figure can reach trillions. Seasoned traders sure make trading look easy (and of course, the Hollywood depiction of stock market trading is always romanticized and glamorous.) Nonetheless, forex trading is one of the most difficult and complex market arenas possible. There are so many factors that can affect a single transaction and a trader must take all remotely related markets into account if they want to make any profit at all. Naturally, it would be safe to assume that you are going into this trade to earn money.

So how complex is the forex trading market?

Just a preview of how complex forex trading works let us look into the markets you should consider. If you are trading several types of contracts, imagine how many aspects of the trade you must be constantly updated with. Let us look into the actual forex trading first; it is divided into the: derivatives market (which encompasses the credit derivative, forwards, futures, hybrid security, options and swaps); and other markets (which encompasses the commodity market, OTC, real estate and spot.)

Other even remotely related markets include the bond market and the stock market. The bond market is divided into: bond valuation, corporate bond, fixed income, government bond, high yield debt and municipal bond. The stock market, on the other hand, is divided into: common stock, preferred stock, registered share, stock, stock exchange and voting share. You also need to keep up with all the exchange rates necessary for the trade like the: currency band rate; forex exchange rate; exchange rate regime; fixed exchange rate; floating exchange rate and the linked exchange rate.

And if you want more factors to compound your problems, you must also take into consideration the concerned countries’ economic status (i.e. balance of trade levels and trends; economic health and growth; government budget deficits or surpluses, inflation levels and trends; and trade deficits) and political conditions (i.e. government stability, international and regional relations.) Your technical and financial analyses should also be at par with everyone else in the forex market, or you could be severely short changed and eventually left out in the cold. You must also have an ear on the ground when it comes to newly passed laws and legislation concerning trading. The very shrewd business minded people even take into consideration the potential international and national laws that have yet to be passed - that may affect all forms of future trading in the forex markets.

Fortunately, the World Wide Web is offering an arena where casual traders and non-professional speculators can keep up with the rest of the forex traders in the world. Online forex trading has certainly boomed, especially now that real time financial management and updates are made possible by a number of websites dedicated solely for this purpose. There are also free and cost-friendly instructional manuals to download. Plus, there are a lot of companies that offer state of the art and updated software for novices to use, just in case you are seriously considering buying futures contracts for a few thousand bucks.

Most professional brokers physically standing right there on the forex market floor, represent a client or two. With all our advancements in technology and the delivery of timely information, virtual brokers can also create a more comfortable trading arena for us without the need for both broker and client to be anywhere near the forex market.