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Dr. D.S. Merchant's Articles in Finance

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California Lemon Law Since Lemon Laws vary from state to state so accurate information on the scope and restrictions of Lemon Laws in a particular state can be obtained from an attorney practicing in that state. In California, anything mechanical is covered by lemon laws as well as the federal lemon laws. The federal lemon law provides that the warranter may be obligated to pay attorney fees if he is involved in a lemon law suit. Creating Investment Opportunities for Small Investors The Stock Exchange provides opportunity for small investors like the big investors to own shares of the same or different companies. Dasond The culture of decima or tithe (old English teogothian) was common among the Babylon. The discovery of old clay tablets in 1966 however reveals that it was prevalent long before the civilization of the Babylon. Tithe or tenth part was a customary tax in ancient Egypt, Syria and Greece. Cyrus caused his soldiers to devote tenth of their booty to Zeus. Zoroaster imposed tithe on traders and market dealers for the welfare of the priests. Define Lemon Law? A vehicle that has been bought back by the manufacturer from the customer is known as a Lemon Buy Back. They are then often sold in auctions as used cars by the manufacturers. Donation The English word donation is borrowed from the Latin, donaire means present. It is an action or faculty of giving or presenting. It includes presentation, grant, bestowal or gift. The tradition of donation goes back to the Islamic period. The Koranic message specifies to participate in the cause of God by giving money. The word infaq means to spending benevolently, occurring seven times in the Koran (2:195, 261, 262, 8:60, 9:34, 47:38, 57:10), such as: "The parable of those who spend their wealth in the way of God is as the parable of a grain growing seven ears with a hundred grains in every ear; and God multiplies it for whom He pleases" (2:261), and "And the parable of those who spend their wealth to seek the pleasure of God and for the certainty of their souls is as the parable of a garden on an elevated ground" (2:265). Dower and Dowry The word for dower generally used in the Koran is ajr (pl. ujur), meaning reward or the gift that is given to the bride. The word saduqat (pl. of saduqa) is also once used in the Koran to denote the nuptial gift (4:4), and the other words from the same root, signifying dower are sudaq and sidaq. The verbal root word sadaqa means he was truthful. Another word sometimes used in the Koran to indicate the nuptial gift is fariza means what has been made obligatory or an appointed portion. The word mahr used in the hadith means dowry or nuptial gift. It is a free gift by the husband to the wife at the time of contracting the marriage: "And give women their dowries as a free gift" (4:4). First Microfinance Bank Ltd (FMFBL) The First Microfinance Bank Ltd (FMFBL) is the Pakistan's first private sector micro credit institution licensed by State Bank of Pakistan under the Microfinance Ordinance, 2001. The Ordinance defines that the FMFBL borrowers are those whose annual income is below the taxable limit. The Microfinance Institutions are allowed under this Ordinance to provide a whole range of services under one roof such as granting loans, generating deposits, providing remittance facilities and other related financial services. Graceful Drawing & Engineering Surveying One of the few repair centers of survey instruments is ‘Graceful Drawing & surveying’. This repair center deals in almost all kinds of survey instruments, for purchase of survey instruments, repairs and also updating in the hardware of the instrument. Having state of the art equipments to quickly diagnose and repair instruments and skillful and experienced working staff to give 100% quality service to not to let down customers’ immediate demands rental rates. History of Money The first instances of money were objects with fundamental value are called commodity money and includes any commonly-available commodity that has intrinsic value; historical examples include rare seashells, whale's teeth, and cattle. In medieval Iraq, bread was used as an early form of money. History of Money The first instances of money were objects with fundamental value are called commodity money and includes any commonly-available commodity that has intrinsic value; historical examples include rare seashells, whale's teeth, and cattle. In medieval Iraq, bread was used as an early form of money. History of Stock Exchanges The courratiers de change were concerned with managing the debts of agricultural communities on behalf of the banks and these men also traded in debts. These men were the first brokers. In the middle of the 13th century, Venetian bankers traded in government securities. In 1351, the Venetian Government outlawed spreading rumors about lowering the price of government funds. Because of this rumor people in Pisa, Verona, Genoa and Florence also started trading in government securities which was possible because there were independent city states ruled by a council of powerful citizens during the 14th century. History of Trade Trade originated in prehistoric times. It was the main facility of prehistoric people, who bartered goods and services from each other when modern money was never even thought of. Peter Watson dates the history of long-distance commerce from circa 150,000 years ago. International organizations of Finance and Trading European Common Market GATT = General Agreement on Tariffs and Trade G8 IMF = International Monetary Fund OPEC = Organization of the Petroleum Exporting Countries Lemon Law In California, anything mechanical is covered by lemon laws as well as the federal lemon laws. The federal lemon law provides that the warranter may be obligated to pay attorney fees if he is involved in a lemon law suit. Payment Gateway to Accept Online Payments Over seven years Paycents has helped hundreds of software companies and thousands of their customers address the challenges of integrated payment processing. Stability and Reliability - The Paycents platform rivals those of the largest e-commerce, trading, and portal Web sites. Our system handles millions of transactions every month, and is continuously monitored for performance.
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