يناير 2016
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American issued Accounting Standards Board standard (115) in 1993 entitled accounting for some investments in securities representing debts on the property rights of others, and that an alternative to the previous standard number (12). It is clear that it was the result of pressure from a number of organizations concerned with accounting information for the use of the concept of fair value accounting for some securities that represent equity or debt securities. And respect the standard accounting treatment for investments in securities which represent property rights (shares) and that have a fair value capable of immediate identification, and all investments in securities representing debts on others (bonds). And asks the standard classification of investments in securities when acquired into three types:

Securities held to maturity.
Securities of trafficking.
Securities available for sale.


At the other middle briefly review the accounting treatment required by the standard for each type of these three types:
4.1.1 securities kept to maturity:
This kind of investment in securities representing debts to third parties consists (such as bonds), it is required to have the entity invested firm intention and ability to hold to maturity. This is the kind of measure investment in securities on the basis of adjusted cost by the exhaustion of the premium, or discount deals with unrealized gains or losses, interest income and depletion of the premium or discount in the income statement.


4.1.2 securities of trafficking:

This includes the type of investment securities that represent ownership rights (shares) can determine the fair value immediately, or that represent debts to third parties (bonds) and the goal of possession resale in the short term through the purchase and sale of active and frequent operations to generate profit from differences price. It is measured this kind of investment in securities on the basis of fair value, and it appears as current in the balance sheet assets. And dealing with gains and unrealized losses, dividends, interest income and depletion of the premium or discount in the income statement. The standard does not distinguish in this case between gains and losses realized and unrealized.


4/1/3 securities available for sale:

This type of investment securities that represent ownership rights include fair value can be determined immediately, or that represent debts to third parties and not commensurate with the conditions of accession of the other two types. And the disclosure of this kind at fair value and addresses the net gains and unrealized losses in the separate component of equity elements in the statement of financial position (has been amended place to show under Standard No. (130) which provided for the show gains or losses are recorded in other comprehensive income components in income list). The realized gains and losses, dividends, interest and discount exhausted premium revenues are dealt with in the income statement.

It is clear from this category that the securities of trafficking are classified as current assets, while securities held to maturity are classified within non-current assets, except that mature in the coming year are classified as current assets. The securities available for sale financial Vicu Classification between current and non-current assets on an individual basis to show that mature or will be disposed of in the next year under current securities and other assets within non-current assets. When switching between the three types is done on a fair value basis, and dealt with gains and unrealized losses on a case by case basis.

If the conversion of securities trading, the gains or unrealized losses are within the income years in which these gains and unrealized losses occurred, it is modified, it is a direct recognition of the gains or unrealized losses in the history of the conversion if the conversion to stock of trafficking. When convertible bonds from securities held to maturity to securities available for sale are recognized as gains or losses are recorded in equity elements in the balance sheet, and are kept gains or losses are recorded in equity elements if the convertible bonds of securities available for sale to securities held to maturity, and are amortized over the life of the bonds in the same way used to extinguish the premium or discount.

Standard was touched to deal with other than temporary decline in the fair value of securities that are classified as securities.- available for sale or securities held to maturity. If found property that the fair value for the low cost is to be a temporary reduction in the cost of the securities to fair value at least. This shows the reduction in income or modify the new value in the case of improvement in the fair value of the security, but the increase or decrease in the fair value of securities available for sale are shown in equity as described above.

On the other hand select the standard of disclosure required three varieties to invest in securities. Benchmark was asked to disclose the total fair value, and gross unrealized gains and gross unrealized losses, and the basis of the discount cost of the main types of securities on the date of the balance sheet, and that of securities available for sale and vocabulary bonds that kept to maturity, has been cited criterion for this purpose types Home Securities. It must also disclose the specific maturity bonds classified information within the securities available for sale or securities held to maturity financial. In addition to the change in net unrealized gains or unrealized losses, which have been shown in equity components during the year, with respect to securities available for sale.
In the income statement Viaan disclosure:
1. The amounts resulting from the sale of stock available for sale, as well as the total realized gains and losses.
2. The basis for determining the cost for the purpose of calculating realized gains and losses (such as a way kind of excellence, medium or dispute).
3. Total Total gains and losses that have been recognized in the income when the conversion of securities available for sale to the securities of trafficking.
4. Change in net unrealized gains or unrealized losses, which joined as income during the year.
In addition to be disclosed adjusted cost exhaustion of premium or discount of securities sold or transferred, which ranked among the securities that are held to maturity, as well as gains or realized and unrealized losses relating thereto, and the circumstances that called for the sale or transfer of securities, within Notes The financial statements for each period is displayed the results of operations.


4/2 Standard No. (25) issued by the International Federation of Certified Public Accountants:
The International Federation of Certified Public Accountants issued Standard No. (25) in 1985 entitled "Accounting for Investments" to begin its work in 1987 and amended in 1991, was introduced in 1994 to keep pace with style review the current method pursued by the International Federation. It is clear from the title of the standard that deals with the accounting treatment and disclosure of all investments in specialized in the field of investment and non-specialized facilities. At first, the standard known as the origin of the investment held by the entity in order to increase wealth through distributions (interest, dividends, rent, and other revenues) or capital increases or other benefits in return property investors, such as those obtained through trade relations). This includes investment in its different forms, which are mostly in financial rights such as securities negotiable and which represent equity or debt to a third party or in the form of tangible assets such as investment in land, buildings or direct investment in commodities negotiable (gold, silver, diamond shape definition ).
And it asks the standard classification of investments to current and long-term investments traded so show up with long-term assets and investments with non-current assets if they are established in this way are classified as assets in the balance sheet. The enterprises that differentiate between current and non-current assets in the balance sheet should distinguish between current and long-term investments for the purposes of measurement after the acquisition.
And select the standard cost of investment that they include the purchase price plus all borne by the facility to get it, such as fees and commissions and dispute. In the case of access to investment in exchange for shares, bonds or other assets cost of the investment is calculated on the basis of the fair value of the shares, bonds or other assets version.

With regard to the assessment of investment in the balance sheet criterion has identified the following basis:

Current investments:
A - at market value, or
At cost or market, whichever is less.
If the calendar on the basis of cost or market, whichever is less, can determine the value of the total investment portfolio or the total investment of the items or investment groups.

Long-term investments:
Or - the cost.
Value after revaluation or
(C) in the case of securities negotiable, cost or market, whichever is less, and is applied to the portfolio in general.
In the case of the use of value-based after the calendar, are adopting a clear policy defines re-Times Calendar, and must re-evaluate Integrated Group for long-term investment at the same time. In the case of a permanent decline in value of the investment should be a long-term adjustment to the carrying value of the investment, and this is done on an individual basis for each vocabulary portfolio.
If you followed the established calendar basis traded investments at market value should adopt one of the two identified by standard methods to account for the increase and decrease in the carrying value and consistency it. Can the enterprise should:



A - acknowledging the increase or decrease the entrance or expense, Oob- make the increase in account payables in equity account surplus so-called re-Calendar. While making the decline in market value in excess Medina Calendar re-calculate the equivalent of the amounts made payable and belonging to the same investment. In other cases it deals with an expense reduction. In the case of increase for investment it had fallen in the past are recognized in income in the range of the previous decline.
This standard has been explained that the increase and decrease in long-term investments resulting from re Calendar treated the same way as mentioned in (b) above.

4/3 draft standard number (55) British:
Commission British accounting standards issued Project Standard No. (55) accounting for investments in 1990 to propose a standard accounting practice for the treatment of investments to identify and measure the performance of the enterprise in this area, providing information related to this activity for the benefit of users of financial statements. Thus, the criterion was the special topics in relation to the balance sheet project and check income and disclosure related to investments.
Draft standard has been known that investment out of him the ability to generate economic benefit in the form of property distributions and / or increase in value. Rated investment criterion to current and non-current, and the difference between the total within each viable investments for immediate trading and other non-immediate trading; and of course the proposed accounting treatment vary depending on the classification.
In the case of investments that are classified as current assets and be capable of immediate trading asks project standard measured on the basis of their market value and to recognize changes in the market value in the profit and loss account for the period without an association with the process of the actual sale of the investment. Draft standard are several reasons for this treatment have been reported, most notably that the securities negotiable way to store liquidity so represent moves in the market value of profits or losses for the period and to be recognized in the profit and loss account. The calendar on the basis of market value gives a better indication of the performance of the enterprise; it reflects the movements of the value of investments under its control, and provides market value also a more objective to measure the impact of decisions relating to the purchase of investment investments or disposed of during the period, and facility management is given the opportunity to manipulate the results of the performance period by the timing of decisions relating to the disposal of investments. Benchmark securities project has been singled out for trading immediate treatment on the basis of market value due to the reliability of the measurement in this case for the existence of an active market immediately to such investments. Messaging and trading means there is an active market for investment available and can be reached with a market value declared or other indicators managed to reach a market value.
The other investments classified as current assets and can not be shown at market value must be evaluated on the basis of cost or net realizable value or on the basis of the current cost and address the increase or decrease in value as surplus or recalibrate deficit, and recorded in the revaluation reserve account.
And investments that are classified with fixed assets based on their cost less impairment in this cost because the current market value is appropriate to measure their performance, because the facility does not intend to or can not get rid of them to achieve the increase in value, and as an alternative to this treatment can be re-evaluating these investments on periods - and re-propose the standard Calendar project annually - to show the present value and address the increase or decrease in the revaluation reserve account.

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Do you have a property (apartments - Building - farm - building land - Agricultural Land) and is willing to market it and sell it without resorting to intermediaries and brokers?
Do you see that the broker or the broker takes a commission rate high?
Have you tried or heard about the bad practices of some brokers and intermediaries and do not want to deal with them?
If you answered yes to the above questions .... We invite you to market your property online .... why ?????
1. When your property Shopping on the Internet door is much wider than the field of intermediaries and brokers and the broker intermediary ... mostly limited his activity, who is in the region .... As your marketing of your property online thou thus marketed in your area and in your province and in
All over the country and even outside the borders of the state.
Listing 2. When shopping online, you are not required to commission the broker or the broker.
Listing 3. When shopping online you often will your dealings with the buyer directly Everybody now use the Internet to search for their requirements. Internet became a global way to satisfy the desires of people all over the world.

How to become a successful real estate broker

Many believe that the real estate brokerage is the preserve of a certain class of property men or craft especially for owners of real estate offices, and of course that this belief is wrong as most of the trading operations of real estate has through intermediaries, some of whom previously had no experience in real estate brokerage and many of the general public various scientific and functional potential achieved wealth of those mediation.
But the most important here is how the most successful in the real estate brokerage and I'm not a real estate?
The answer is simple. If you're in a relationship with a property owners want to sell the property, or if the one who you know wants to buy a property faint you only need to identify the buyer requests or property data to be sold accurately, though you want to offer property for sale you do the following:
- Log data that drug and the type and location of the property and the land area and construction area and the number of street and direction.
- Knowledge required for that property by the owner the price.



Visit the aforementioned property registration and feedback from you if you want to buy it.
- Visit real estate offices surrounding the property location and deduced the fairness of the desired value.
- Beware displayed when several real estate offices because this will not help in selling the property will complement the sale of your way process.
- Select a real estate office in the area real estate office or see a specialist in real estate unit displayed the type of property and provided him with all the data the brunt of the real estate site with him.
- I get from the real estate office on the speech mentioned that the property is being offered for a way to save your right to a commission.
- Continued daily newspapers and log on similar applications, and real estate Balragb communicate in real estate purchase and a link to the office you are dealing with.
- Beware view more than one drug at a time on the expected buyer booing him because this purchase decision.
In the case of real estate demand to someone you know do the following:
- Property data record to be purchased (property type, area, the budget allocated for the purchase, and the limits of neighborhoods desired location.
Visit the surrounding real estate offices in the region and take the required real estate that correspond with demand.
- Visit the property first before presentation to the buyer and record observations and like you who wants to buy it, and photographed from the outside and the inside.

Arrange the former offers the first and then the attention of the buyer in the event was expected to choose one of the sites Select a date to visit the property by the buyer.

- In the case of the approval of the purchase at a particular price (which may not be acceptable to the seller at first) then go to the real estate office who knows the owner of the property and Begin together lead the negotiations.

- Remember that the majority of transactions are distressed at first because of the stresses the owner and buyer, but after several negotiations succeed.

- Beware leave the negotiations to others and the absolute trust of the non-termination of the deal because that ends the deal is who gets the commission.

He later transferred ownership of the land and get a letter from your right commission.

And you have more of a drug should not be submitted to the expected buyer without knowing its relevance to him only Mbrrk that has the ability to purchase and display a drug Beware you do not personally convinced that the chances of you as if you wanted to buy it.

And be careful not to get lost more than 10 per cent of your time in such mediations as Beware of greed in a large proportion of greed is wasted because the success of the sales opportunity.

I do not mean this article that Ozahm property owners offices in their living from intruders, but the contrary, that professional real estate offices know how important professional intermediaries in the provision of jobs and trades them because professional intermediaries are the basis of the failure or success of the real estate transaction and you'll find the mediator brother that the real estate office tells you all welcome (Congratulations to all Parwk).

Who knows you may become dear reader, and a successful real estate broker and become a net worth due to a successful real estate transaction

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Gold is considered beautiful and rare metal and Nevis, and has a long history and a lot of traditions associated with it, and there are a lot of amateur investors who Bhraoualamlat gold bullion in order to get future profits. And some of them are trying to get many profits so they turn to gold trade or breakage (Aladmon).

And gold breakage or (Aladmon) is gold, which is sold to a jeweler, who shall jeweler burn to remove impurities resulting from the use Awitm discount rate of weight in the absence of recourse to the burning process, as are disposed of lobes and gemstone, if any, with the gold and the removal of enamel with him ( and the enamel is colored material be present in the Indian gold).

It is from the jewelers resell gold breakage (Aladmon) If the good that he went to a new after washing or painted or polished.

 And it can be traded in gold by buying gold breakage at the market price in the global stock market without payment processors, and is done to follow up the price of gold on the chart, and when you drop the maximum degree by technical analysis indicators are buying, and so any rise in the gold price after purchasing it achieves net profit to interfere Workmanship in it, and you can chart analysis back and re-purchase and sale also again, the only flaw in the way of trade in gold breakage Hoalassaobh somewhat in the conduct of breakage when selling gold.

And how to find out the price of gold break: You can find out fracture in grams gold prices through their account daily gold prices, as the price of gold fluctuates daily. Measured either in ounces or about 31 grams, it is then split the price of gold in dollars on the (31.1035) grams and rounded to the nearest hundred, for example, if the price of the day (1000) dollars per ounce, it means that the price in dollars is equal to (1000) divided by (31.1035) and with the resulting rounded to the nearest hundred will become (32.15) dollars.

But to find out how much gold can Ranked fracture, then weight, then divided into categories according to Aaarath (24,14,10) carat .oaraay use a magnifying glass if necessary, to avoid placing any elements within the gold-plated gold breakage amount. If the weight of gold we can use a little balance Gram, but if we use a large amount of the balance of gold ounce which converts weight to grams.

Gold bullion trade.
Where there are forms and different weights of which fits small investors Balooukah and there alloys up until 400 an ounce or kilogram and this type of alloys suitable for big investors or banks, always preferred to be the ingot or quantity that will be traded in the form of a piece one or alloy one as much as possible as the commission broker in charge of sales are accounted for on each piece is sold, and thus the increase in the number of alloys increases the commission, which reduces profits and at the completion of acquisitions is to wait until the price goes up then sell to make a profit.
It is usually buy gold bullion one of two ways:

The first by an authorized agent or company or bank.
This method is characterized by: -
1. ensure that the common alloy of gold Stock Exchange.
2. provide a place to retain Basbakh if ​​you want the company or the bank.
3. You can keep Basbakh if ​​you want to you by requesting shipped compared to afford the shipping costs.

This method is considered appropriate for trading or Alastmarat large and do not fit, but trading in the gold market and consequent transactions.

And you need to complete the transaction or selling and buying to open a trading account in one of the international banks or the account can be opened in one of the e-banks or brokerage firms, where the stores to conduct trading operations via the Internet.

The unit of measurement used in such transactions is the ounce and is equivalent to 30 grams of pure gold, and is determined by the price of ounce based on the market price, which rises or falls depending on the laws of the market, but there are some programs that can be played through it the possibility of prices expected during the period specific or can provide mediation selections prices for companies so they can be played out automatically buy

Ways to find the original of adulterated gold

Gold is one of the minerals that are extracted from the ground and called in the raw image refrigeration and is found in the river bottoms and is found in the mountains and in the ground, characterized by the metal as Lin, dense, with a yellow color characteristic, is extracted in the form of blocks or pellets and can pure find or mixed with some metals such as copper and classified gold Canvas metals now and is being used in many economic uses until it is used in cash reserves for all currencies except the US dollar, as it was months ornaments used by women and is used in the adornment in events and weddings and other funds used in the store, but as long fraud and everything is easy to cheat gold or sell gold adulterated as Genuine so you must know how to distinguish the original from the fake.

Ways to find the original of adulterated gold.
Some women have the ability to distinguish antique gold just by looking, touching, by virtue of experience and knowledge of the types of gold and to deal with them, but we can and without that experience to learn about one of the ways that allow us the ability to distinguish the original from the fake gold and including

First sensory tests.
1. Weight: - Hat two pieces replicas of gold and Aosenhma between your hands heavier is gone as the gold heavy metal or can be if you have a sensitive balance in the kitchen of your home to calculate the amounts of food, then the weight of two pieces of gold and the comparison between the two, but this method is not accurate, As the methods of cheating has become so advanced that they are even taking into account the weight of adulterated piece so as to be the same weight of the original piece.
2. stamp: - drawer since ancient times using a stamp or seal to cut the gold where it is stamped gold pieces stamp shows the manufacturer and carat gold 14 carat 0.18 carat 0.22 carat 0.24 carat, but maligned on this method is that some pieces of old gold lose Dmgtha with use and time, and the tradition techniques evolved a lot and has become a tradition are hallmarks.


- Biting: - of the qualities of gold that metal Lin if and when you do, gritting his piece of the original gold, the teeth leave a trace somewhere biting and especially in gold of 22 carat and 24 carat, but that method deformation gold coins shape due to dental impact that leave, it could be pieces of fake her thick layer of golden cover as When biting effects appear as if it was going Genuine.
4. preview eye: - This test fits chains and necklaces which contain loops and breaks at the preview if you find slots and if simple in these spacers or loops, this gold fiddled, it can not be with Rare Earth and Ghali left interludes and episodes without sealed making it vulnerable to being lost or cut.
5. Smell: - Yes smell and carried out as follows when your hands are saturated with sweat rub your gold piece between your hands thoroughly and proximity to the nose if you smell this acid gold fiddled

Anja test by other materials.
1. ceramic: - Hat gold piece and then Bgha in the ceramic color and the back of any color is yellow gold color change, the piece of fake, but this method may leave the effect distorts the shape of a piece of gold.
2. acid and vinegar: - gold as a metal with a high density does not react with the acid or oxygen, so try to use vinegar or nitric acid on a piece of gold Viz appeared any interaction, the piece of fake gold.
3. density in the water - such method is based on the idea that gold metal with a high density, so he brought two pieces of gold the same weight and Place each piece of the pot with water and figured the amount of water displaced piece that cause more water displacement is the most densely if they are Gold and is the least adulterated.
4. magnet: - Hat magnet and then Ptqribea to the golden piece and the event-driven piece, it is not gone native.
Preferably of gold to make sure the use of more than one way of previous methods and not just one of them in a way.




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Know that he shares the share owned by an individual, group of individuals or, in the company, or institution, with clear origins, and legally registered the record, or is the ratio of the contribution of the individual in the share or group of shares in the capital of the company. The stock of the means that are used in commercial matters, in order to trading funds of different companies' capital, to be put forward by market stock shares traded, based on the instructions provided for in a legal way, and each list company with a capital known, market share, and is made up This share of the group's shares, tradable in the sense of the sale and purchase, through to put forward, in the markets called stock markets (financial markets), or the stock market as is customary to call.


The stock of the means that are used in commercial matters, in order to trading funds of different companies' capital, to be put forward by market stock shares traded, based on the instructions provided for in a legal way, and each list company with a capital known, market share, and is made up this share of the group's shares, tradable in the sense of the sale and purchase, through to put forward, in the markets called stock markets (financial markets), or the stock market as is customary to call.

Recipes rolling Baloshl must Who wants to deal with the stock and circulation: that possesses sufficient financial ability to work in this area. To be experienced to know the various movements of the stock, or be assisted by people trusted to do so. That is characterized by prudence and caution during the financial trading.

How do I sell stock there are a range of things that must be mastered for the rolling stock in order to sell them, and ensure that profit from it: Owning a market share of stock in a company. Follow-up to the trading movements on the company's shares to be selling all or part of its shares, either through the owner of the stock, or shareholder, or speculator. The development of short and long-term state of the stock based on the market situation in the financial market expectations. The decision to sell or wait based on the latest price of the shares. Follow-up to the highest price of the shares, and preferred to be higher than the price at which it was purchased. For example: (in case of the purchase of a range of stock, with 10 shares, at a price of 7 dinars per share, which equals the sum of the stock price: 70 dinars, when you think of selling must wait for the stock owner or holder, the high price per share sufficient financial ratio, such as 8 dinars per share). When you confirm the financial matters of the share price, which achieved a good percentage of the profit, sell the stock through: e-trading sites, or by telephone operation are then contact the holder of shares, or in person at the financial market.


Especially definitions of equity owner of the stock: is the person who purchased the shares of the company, and contributed to the market share of its capital, which can carry up financial stake through the purchase of other shares of stock within the company, or in other companies, as well as to sell his shares of stock when it so decides. Equity holder: is the person who is the agency by the owner of the stock, to do on his behalf, the process of buying and selling shares, traded on the financial market, by providing the owner of the stock to disclose the expected shareholder Alosar, identifies him as when the process of buying or selling. Racquets: is the person who is the expectation rates for sale and purchase, building on Takminach own, or based on previous experience in the field of the sale of shares, the person and the risk to take sales decisions, and may not affect the decision-making sometimes, and also the control of the shares of a particular company, or individual, or a group of individuals, is to be the sole master of sales made on these shares.

How can buy stocks


Are you looking for extra income? The obvious answer to this question often attracts people with modest income, and behind them are driven any chance someone may earn them any extra income is appointed by the growing life commitments. In fact this is the beginning most of the stock exchange's customers, both financial market of the ASE or any internal stock exchange by any State or the global market, or so-called Forex (the currency and metals trading and oil). Let's take the Amman Stock Exchange, for example, share trading, which was experiencing widespread demand from the people before the end of 2009 and most of them the value of their portfolios not exceeding ten thousand dinars, and what happened to them, and the reason behind it? ASE is a market like any other market bought and sold the goods on different item which is here securities (stocks), which represents a share in the capital of any company listed on the Amman Stock Exchange of different company type companies, whether public company or a private or any other kind of Companies that are included in the financial market. The people monitoring the stock prices of companies and are waiting to rise slightly to Ahakqo some profit, the vast majority do not know any real information about these companies, not even what their products or their location or who are members of its board of directors, all that matters is the person who buys or sells bulk quantity of shares of this company, whether it is a reliable business man and has its place in the market or just a passerby.


Here is the problem as the rumor launched by traders themselves are actually raises or lowers the value of the shares and increases the demand or supply at a particular company with the knowledge that the ASE provides information and forcing companies to declare any movements or administrative transactions or financial under the Companies Disclosures name but a few Who benefits from this information. Thus, the financial market which patrons based on rumors and leaving the financial information that must be taught Accordingly, as it is to deal with the shares of a particular company or leave it does not expect to recover even aware of traders reality and importance that someone take a purchase decision or sell based on unconfirmed information is sought by himself away from recommending a colleague or a friend or even a staff member brokerage firms.


It must be remembered that as a result of ill-considered trading for clients brokerage firms in the Amman Stock Exchange was out for more than 34 000 customers from small and medium clients of the financial market and falling stock index to nearly 2,000 points after that exceeded the barrier of 5,400 points. So far, the market could not recover from the 2008 crisis, despite the recovery of most of the other sectors. There is a saying of one of the Jordanian economy professors say that the size of the global cash and liquidity on the rise (ie the publication of all currencies Monetary paper size far exceeds the monetary size of the paper-destructive) Even so, the decreasing liquidity in the hands of people, companies and even countries. In short, the money accumulate a certain class of people thought and planning mechanism to advance the goals of most of us know, does wonder if the reason was known champion wonder ?? If it were to turn a profit and make money so easily that he believes are some senior Are owners of capital to leave it !!

The sale of shares and purchased through a process known as "trading", which is about the process of selling or buying of shares are in favor of the client works in that market, and often this process is done from the sale or purchase through an employee or person has a permit to practice the profession, and receive to meet his mediation services and those against which specific commissions. Should any investor wants in the process of buying or selling -altdaol- in any of the numerous do some important steps stock markets, including the establishment of any new investor data, for once at least, by doing the following: to open an investment portfolio with one of the those licensed companies to engage in acts of vested stock markets. To fill in the form that determines the sale or purchase of various stock broker who is treated with, and perhaps is that some intermediaries to provide their services in selling or buying from several sources through such as: the Internet, or using telephone banking, or often through various many ATMs. To determine the sales process type or purchase, so choosing the desired execution order type, and it is known that the commands available in most financial markets are categorized as follows: it's the process of an immediate sale: It is that which is taken for the sale of certain available quantity and the best prices in the market.


Messaging is the process of buying: buy something specific, a specific amount available in the market, and the best prices available in it. This matching process: This process is used to match and meet any order exists or is available in the market in advance. . The process of the market is: It is to sell or buy a specific number of shares known process, according to those dominant and prevailing market prices. Command specified process Price: something comes to buying or selling a certain specified number of shares, against a known and specific price or better price, according to the existing and the prevailing price in the market. This process is specified price: a process that is to buy or sell is priced in the market price of any specific or unknown. . This process is a quantity declared: It is allowing the implementation of any undeclared amounts process, depending on the prevailing prices only. . This process of full implementation: a process that had to be trading all it amounts at once.



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Arab Emirates were not immune to the global financial crisis that hit in particular real estate and banks in the emirate of Dubai, which turned to her older sister Abu Dhabi to help them. Some experts believe that the crisis will not last more than 6 months. News from the UAE in particular, and the Gulf states in general, indicate that the global financial crisis rocked the region as a whole, especially real estate internal and external where investments because of the financial entanglement between these countries and the West in loans bad assets or issues against the backdrop of the dramatic decline in oil prices and gas. In this context, Foreign Minister of Kuwait Sheikh Mohammad Al-Sabah revealed last January that the Arab Gulf states lost by the crisis during the four months just $ 2.5 billion. In the UAE alone it amounted canceled construction projects worth almost $ 260 billion, as issued by the real estate company "Emaar" Foundation "Morgan Stanley" and the bank "HSBC" data. He stopped working entirely or in part in a number of "palm" islands of the most important "Nakheel Harbour & Tower", where the work was under way to build the highest tower in the world. Since Dubai has received the bulk of the raging financial storm that has yet to wane, the duration of her sister Grand Emirate of Abu Dhabi least hit by the crisis, and the richest money and oil and gas, with the help of an initial value of 10 billion euros in order to be able to pay interest bank loans owed them. In addition, the Government of Abu Dhabi has worked in recent months to buy many of the construction projects, which failed to bridge the Emirate of Dubai for its inability or salvaged.

In spite of the current difficult situation in the Gulf and the UAE, which reflected negatively on real estate prices, which fell between 25 and 40 per cent, and the foreign employment situation, the economic expert, Dr. Suheil Hamada, director of the group "anamnesis sunset" European marketing for Economic Consultancy, It seems optimistic to a large extent. In an interview with our site about the repercussions of the crisis on the UAE Hamada expressed his belief that the effects of the crisis will begin to decline in the next six months. Speaking about the size of the affected UAE crisis, Hamada, who works for nearly thirty years in Abu Dhabi said was economic adviser at the Chamber of Commerce and Industry in the emirate, said that the repercussions of the crisis was to stop local and international banks several indirectly finance new projects, particularly construction projects. But economist continue to optimism, expressing his belief in this context that this situation is not only a "wait by the stage banks will not exceed half a year after the banks will reconsider their positions and screening projects proposed for funding and work on a new basis



He added Hamada said that the financial and banking sector in the UAE was one of the most sectors that suffered the negative repercussions of the financial crisis, which severely affected the reconstruction projects. But "anamnesis Group," group director believed to be pumping medical Abu government for $ 20 billion to support the four major banks in the country, has reflected positively on funding the movement in recent weeks, where "we noticed that a number of projects began preparations to start construction and acceptance of offers and tenders offered by construction companies. " Hamada was considered that the advantages of the crisis when it revealed those companies that did not prove its seriousness and the financial ability to afford to meet their obligations. He attributed the economic expert, the reasons for the bankruptcy of many companies in Dubai to enter the real estate development companies to the market without previous experience, in addition to the entry of foreign investors with loans to the real estate sector, which was growing very fast paces in light of weak oversight. In spite of the crisis UAE officials still talking enthusiastically about a giant urban plan they called "Abu Dhabi 2030", will cost hundreds of billions of dollars. Hamada has displayed during his talk with some of our details, saying it was aimed at infrastructure and equipment. In addition, there is a "Saadiyat Island" project, one of the largest nearby islands of Abu Dhabi city and constitute an area of ​​about 18 per cent of the city area. This project alone will cost $ 180 billion, according to an economist.


Hit countries entirety several years before the financial crisis and targeted real estate and banks, that their influence is still so far to most countries, most notably the United States, which were considered formerly of the biggest economic nations, as the financial crisis significantly affected the internal and external investments due loans and assets bad, as that of the main reasons Almqahth financial crisis unexpected decline on oil and gas prices, and the Gulf states it has had a large share of this crisis, according to Statistics Gulf States has lost nearly $ 2.5 billion, and the United Arab Emirates was planning to set up construction projects Huge where it was canceled, ranging projects that were canceled nearly $ 260 billion value.


The importance of the economy in contemporary life



Singles economy: namely, that the individual truly fulfills decent living through work and self-reliance and livelihoods, which includes all physical activity or my mind is then reached into a commodity or to achieve a particular service leased by the person the product, and the money earned by the individual of his labor, known as the ceiling economic and physical capabilities, so the economy is a method of organization through which the choice of a lifestyle consistent with the physical capacity.


International Economics: Is the science is based on the collection of economic transactions between the countries of the world, and is interested in trade relations between the states and the ability to compete in the global market for products, so that this international economy affect the state and its place among nations and is considered the standard of the power of the state standards, a strong state is controlled on the production of a particular commodity or more of the commodity in the world market and thus there is a high yield of money, which affects the country's economy. Through this article we will recognize the importance of the economy in a person's life and way of financial planning for the individual and also the importance of the international economy.


The importance of the economy in a person's life that domestic failure and deterioration of the standard of living falls on the poor economy, or in other words, the misuse of money, because this is money that is being earned him a fixed roof at the person and not open, and therefore this economy must be between extravagance and thrift that is, the person moderate in personal and family expenses, and the informal economy has an impact on the individual and his life, including:


To get rid of poverty: one of the causes of poverty is the mismanagement of money or what is known as the failure of individual economic system that leads to poverty, the lack of care to cover the needs of the job and save money for the future and burdens. Achieve a standard of living well: those who have their income is limited and insufficient should seek to achieve a good standard of living, the economic system of money can achieve this by exploiting some money in meeting the goals, most important thing to be keen upon the poor person is to find small projects successful intervention it returns well financially, and this can not be achieved only if applied in the economy and saving money part of it for projects that achieve a good standard of living, economy gives the ability and courage to achieve the ends through the availability of part of the money saved.



Bring happiness: the economy with money and know how to dispose of it properly achieves the happiness of man and also for the entire family, because the money is a way to avoid and deal with problems where the person is located, and there are a lot of crises in life dealing with money only and not, as some believe, for example, when buying something CAR important or self-entertainment can only be achieved with money.


Financial planning for the individual method is no doubt that each one of us looking for financial stability in his life, which is a major pillar in the life which is known as stability will the standard of living, and the idea of ​​financial planning may be vague when many or the belief that it confined to the field of companies and countries only, and this It is wrong is also located at the individual level and the whole family, and the idea of ​​financial planning is based on the identification of the individual financial goals they wish to receive it, and there are methods that can contribute to financial planning, namely: setting financial goals and specific time-bound: You must do the Status of objectives to be achieved during the time period . Knowledge of the head money: You must specify all of its holdings, such as the house, the car, the debt discount. Knowledge of aspects of exchange in order of importance: You must specify all aspects of exchange in your life and can be arranged by: the basic needs: the needs that can not do without, such as food, drink, and at home. Secondary needs: the needs that can be dispensed with, but you need them such as a car, computer, and mobile phone. Amenities: It is you do not need and unnecessary in your life but of supplements such as perfumes, expensive clothes. Identify sources of income: You must specify the amount of income and begin to divide them on the aspects of exchange are a beginner it is important to the basic needs and then the secondary needs and luxuries. The division of revenues and expenses: then be deducted the amount of income the amount of expenses, and should be the amount of income is greater than the amount of expenses and if the contrary is known economic helplessness, and must be considered luxuries and try to avoid them so that things be clear if there is a financial deficit. Savings: Value raised from the amount of income the amount of expenditure must be placed in savings and not final disbursement, because this money is of great significance in the future person has been located in a dilemma or a particular crisis resolves Baldechr located, and this Aldechr can be used in many aspects, including: buy critical needs: such as a car, house, home furniture. Investment capital: income can invest in a particular project, preferably by the amount of money saved and no more of it. And presumably you earn in the $ 700 nations month were expenses equal to 450 US states, and thus the value of the remaining of the launch of $ 700-450 dollars is equal to $ 250, and thus the value saved in the month to $ 250 a $ 3000 per year, and this amount may give the opportunity to improve the standard of living the purchase of the necessary requirements to open a door or a small project or successful until at least avoid the fear of future financial burdens.


The importance of the international economy successful state is that the economic paybacks Aaleguela There is then the deficit but a surplus, and if the state deficit are suffering from poverty and submission and the need to console and support the other states and the inability to build economic relations with neighboring countries, and this destroys the structure of the state and its place between countries and also poverty whole people, and therefore economic power have an impact on many aspects of the state, including: military force: Always state needs to spend on its military term of equipment, machinery, and ammunition, and in the absence of a strong economy, there would be a military power. The status of the state: the state should have an impact in the world, or at least to be famous in the production of a particular commodity are better than others, because the state's ability to control the global market gives her place among the nations and the ability to build economic relations with many countries. Create and invest large projects within the State: countries that have a surplus in the budget have the ability to open large projects within the state, and this addresses the important and many such issues (unemployment, successful and employment opportunities, and the cohesion of the state, and welfare of the people), and this we need to even be eliminated poverty and open the door for young people to work and production and creativity. The development and prosperity of the state: When you open projects and the elimination of unemployment and opening opportunities for young people to self-realization, and work there is a producer and personnel producers, production is is the foundation to any country to prosper and progress forward, because all of the country's working and there are production and there is a good per capita income there is reconstruction, A family is made up and there are those who realize their dreams etc ..., then there is a great country prosperous and strong Guetsadia.




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