Jah, eks kauplemise algusega läheb pisut aega ja kasutasin arvutustes lihtsalt indikatiivseid tolle hetke äärehindu,
Visa ärimudeli kohta meeldetuletus ... raskematel aegadel rohkem tulu :)
Unlike credit card lenders, Visa does not carry any consumer debt on its books. The company makes its money from processing fees, which have been steadily rising for years, including the past two U.S. recessions in 1991 and 2001, according to the Associated Press.
Since the last recession, Visa also has been able to entice consumers to use its credit and debit cards more frequently to pay for staples like groceries, gas and utility bills. Visa estimates about 42% of its transactions fall into this "nondiscretionary" category, up from 27% in 2000. As such, Visa could even benefit from tougher times if more cash-strapped consumers rely on their credit cards to make essential purchases.
Even if consumers cannot pay back the debt, Visa still makes money, which is an attractive model.
Unlike credit card lenders, Visa does not carry any consumer debt on its books. The company makes its money from processing fees, which have been steadily rising for years, including the past two U.S. recessions in 1991 and 2001, according to the Associated Press.
Since the last recession, Visa also has been able to entice consumers to use its credit and debit cards more frequently to pay for staples like groceries, gas and utility bills. Visa estimates about 42% of its transactions fall into this "nondiscretionary" category, up from 27% in 2000. As such, Visa could even benefit from tougher times if more cash-strapped consumers rely on their credit cards to make essential purchases.
Even if consumers cannot pay back the debt, Visa still makes money, which is an attractive model.
The Dept of Energy reports that crude oil inventories had a build of 133K (Bloomberg consensus is a build of 2250K); gasoline inventories had a draw of 3447K (Bloomberg consensus is at unchanged); distillate inventories had a draw of 2910K (Bloomberg consensus is a draw of 1500K).
nafta ja gaas üles taas ...
nafta ja gaas üles taas ...
Tänase päeva antikangelane on Merrill Lynch, kelle aktsia 10% miinuspoolel ja seda seoses juttudega võimalikust kapitali kaasamise vajadusest suuruses ca $5 miljardit, kuna on võimalik, et tuleb maha kirjutada varasid $10 miljardi eest.. First Boston tuli mõned minutid tagasi aga Merrilly nime kaitseks välja.