Bringing free transparency and accessibility to financial valuations Italian firm positioned to change the game with Fairmat

Verona, 04/11/2010: Fermat Consulting SRL, an Italian company specialized in financial modeling delivers a strong-blow to the financial sector today with the release of its new software: Fairmat. Fairmat is a completely free software solution for managing different types of financial problems in a simple and straightforward way.

Post-recession news regarding the SECs pursuit of “programming language transparency on Wall Street”, coupled with the Obama administrations “commitment to enhance procedural transparency” in the financial sector, has set the stage for a new, Italian start-up ready to disrupt the system. Fermat Consulting, makers of the free, financial modeling software “Fairmat” are adding a whole new level of transparency and accessibility to financial contract valuations. The new product is set to revolutionize the valuation of financial contracts and investment projects by subverting the “various elements” which Fermat Consulting says currently characterize the financial engineering world: complexity, high costs and opacity in valuation procedures.

According to Matteo Tesser, Fairmats Product Manager, “The first challenge when considering a financial contract is complexity. Even those who already possess excel skills and/or programming experience find that they need additional technical resources and market data, and more importantly, financial resources and instruments to get the needed outputs. This is how financial engineering creates information and knowledge asymmetry. The lending institutions, which have these expensive resources, make their profits to the detriment of other players. In Italy, for example, many problems related to varied and often complex derivative contracts, which are held by regional governments and small business, have been denounced by consumer protection agencies.

We feel that the mismanagement of this complexity helped to cause, among other problems, the recent crisis in the derivative markets. Additionally, it is this lack-of transparency that continues to threaten the stability of the global financial and economic systems today.”

Simply put: Fairmat ( is a software that enables users to model or replicate any kind of financial contract without having to actually write pricing routines. This is done using an intuitive graphic/algebraic language that simplifies and deconstructs a contract down to its basic elements. Then, several analyses -such as fair value calculation- are elaborated and then displayed by comprehensible charts and graphs. Given its modeling features and free access, Fairmat would be ideal for use in academia, say, for university students learning derivatives contracts.

The best part: Fairmat Academic is completely free. Fairmat is also multi-platform, with versions available for Windows, Mac OSX and Linux. Commercial versions include extended functionality, such as data-provider integration and IAS accounting analysis at a cost that is much lower than with other solutions, making this software accessible to small businesses and financial consultants. To stimulate innovation, the company is willing to create revenue-share partnerships with people who contribute open-source plug-ins to the project. This will add value to the core product and bring the additional benefits of crowd-sourced innovation and best-practices to the commercial users.

Caterpillar Equipment Innovation

Caterpillar equipment has always been known to pave the way in
the industry when it comes to great new features and enhancements. In
2009, the demand for a powerful, maneuverable, fuel-efficient dozer was
met by the Caterpillar’s Cat D7E Track-Type Tractor. It’s greater fuel
economy, increased productivity, and lower lifetime service costs when
compared to other tractors in its class makes it a great choice for
anyone looking to purchase a quality used dozer.

Sporting a hybrid system which combines diesel and
electric power, the D7E is capable of moving more material per gallon of
fuel while costing less to service and maintain. The electric drive
system which was built exclusively for track-type tractor applications
was the first of a wide range of new drive technologies Caterpillar was
developing for use in heavy equipment. The D7E was subsequently
recognized with a Clean Air Excellence Award from the U.S. Environmental
Protection Agency for its contribution to improving air quality.

twice as long as other tractors, the power train oil system takes 50
percent less oil. The Caterpillar D7E also eliminates extra moving parts
while cutting down on fuel consumption, helping to save on operating
costs considerably. With much fewer moving parts than a typical
mechanical drive system, there are fewer components to potentially break
down or wear out. They were also designed to last up to 50 percent
longer than its conventional drive system counterpart. There’s no
denying the benefits of such a fuel efficient and capable piece of heavy

also claimed that operating a D7E is smoother with the removal of gears
or clutches, and with the ability to make lock-track pivot turns. This
advanced maneuverability system was the first of its kind for its class
of equipment and makes operating the D7E more efficient than ever
before. Caterpillar’s innovation didn’t stop there, however. Despite its
hybrid system, the D7E is no slouch; it was even able to outperform
most other dozers even though it has less horsepower thanks to its
increased drive train efficiency. The D7E’s powerful electrical
generator is driven by a Cat C9.3 ACERT diesel engine rated at 235 net

Caterpillar’s ingenuity has clearly influenced its
competitors over the years by staying at the cutting edge of the
industry, continuing to provide reliable, innovative, and efficient
heavy equipment. The D7E was a great innovation in 2009 and continues to
be a smart choice to consider when looking for used heavy equipment
that can easily hold its own even on heavy duty jobs.

Small Business Coach

Grace Evans started from humble beginnings where at age 19 she was
able to start and run a small business that proved to be successful. As
she progressed in life, she saw that her ability to recognize which
areas of a business to concentrate on and what strategies to employ to
ensure minimum effort for maximum gain led her into bigger and better

With more time and business practise, Grace Evans
joined the corporate wold where now she concentrates on coaching
business where she focuses on both small and big coaching programs. She
especially is in love with small business coaching since she knows this
coaching helps the small businesses mature and grow to become great big
leading businesses.

Small Business Coach: Coaching

Evans as a small business coach has the proper knowledge and experience
in organizing coaching sessions that will prove useful for any small
business person who wants to make it in this cut throat society.

Evans and her associates organize seminars where they bring in
professionals who will take you through a coaching process that walks
you through every aspect you need to focus on in order to improve your

Small business coaching is designed in unique ways
where individuals and corporates that run small businesses are taught on
skills how they will capitalize on emerging trends in niche markets and
help propel the business profits.

Coaching here focuses on
equipping individuals with desired skills, tools and the coaching works
for individuals who are eager to step out and transform their visions,
ideas and desires into reality thus improving their financial and
business aspects.

has many benefits attributed to it, among other things you will be
taught on how to be disciplined, be more accountable, learn new tricks
and paths that you will need to follow in order to come up with new and
fresh ideas to help propel your business.

Grace Evans as a Small Business Coach
, she knows that giving and receiving of coaching support is a
behavioural skill and through practice and reflection on what works and
what doesn’t. Her ability to offer successful business coaching has
enabled many an entrepreneur develops and improves their ability as
professionals in their businesses.

Small Business Coach: Great Business

business coaching enables entrepreneurs become great and excellent
leaders too. In the coaching sessions, you will be taught on skills that
will enable you become a good listener who has his/her ear on the
ground and keeps up with the going ons thus knowing what measure to
apply when something crops up.

You will also learn on ways where
you can become an effective communicator thus enabling you pass your say
in ways that will be heard and acted upon.

Mid Career Change Advice – 5 Easy Steps To Get A Perfect Career

So, you are considering a career change and you want career
change advice. Good for you. It is important that you gain
satisfaction and fulfillment from your job or career.

some people in your life may not see it that way. You may hear that you
shouldn’t be changing careers “at your age” and that “it’s a job, you
aren’t supposed to like it.” But both of these are very false. It is
important, though, to thoroughly assess your situation and find a career
that is right for you. When you do that, you will have all the
ammunition that you need to combat those nay sayers who want you to stay
where you are.

1. Is your current job satisfying?

This is
the most basic question to ask and one that is often overlooked. Do you
actually like your job? Do you have to drag yourself to the office or
store or whatever each day? Do you dread returning to work after a day
off? Keep a log of how you react to various job issues. Jot down
various thoughts that you have about your job throughout the day – those
that are positive as well as negative. Don’t just focus on the tasks;
also think about the company culture, your co workers and other factors.
For instance, do you work for a corporation but you are more
idealistic in nature?

2. Assess your skills, interests and personal values.

are lots of free skills assessments and interest assessments that you
can take on the internet. Think about things you have done in the past
that you enjoyed including volunteer work, activities you did in college
or school and jobs that you really liked. Take a hard look at your
skills and values. Is your current career addressing them? There are
some really good websites out there that can give you some solid career
change advice and point you in the right direction.

3. Know the difference between changing jobs and changing careers.

you change jobs you are typically making a lateral move. A career
change is usually not even on the same scale and often requires
different or additional skills. When you are deciding on a move, take a
moment to think about it. Are you making a lateral move? Or are you
making a move into a job that challenges you more and asks more of you
than your current job?

4. Do your homework.

Select several
career choices and read up on them. Read about the requirements as well
as any additional education or skills that are needed. Changing
careers is not something that you want to walk into blindly.

5. Talk to those who are already there.

to some professionals who are already in the career of your choice.
They can be great sources to give you career change advice. Ask if you
can shadow them for a few hours or a few days so that you can get a feel
for what the career entails. Ask questions and learn about the
education and skills that they needed to get to the place that they are.

Payday loan no credit check Cash Funds Right Away

You cannot plan or predict each and everything in your life. It is impossible for most of us to predict when an unexpected trouble crops-up. People plan their budget and several other things only to discover that nothing can be given concrete shape. There are many reasons for the failure of planned budget, unexpected middle month crisis being the primary one. People look for external financial assistance when log jammed in such a situation. They do get some monetary, however those having a poor credit history find it extremely tough to get instant funds. To help them overcome such crisis, UK financial market has come up with payday loan no credit check.

You can bring your off the track financial life back to track by applying for this wonderful loan facility. As the very name suggests, these loans are a sure-shot way to conquer pecuniary needs that arise without giving any prior warning. Lenders approve this loan facility against your next payday cheque. That means, amount sanctioned under this loan facility is adequate to fulfill several needs including payment of house-rent, medical bills, electricity bills, credit card bills, storage bills, debt consolidation, plan a family holiday, get your vehicle repaired or even pay for your college fees.

Lenders who issue this loan are not concerned with your previous credit history. It really does not mater to them whether you are suffering from individual voluntary arrangements, foreclosures, missed payments, insolvency, non payments, arrears, county court judgments or defaults. They deposit cash into your account within a few hours of submitting the application form. This specific characteristic have further added to the popularity of this loan facility. Your loan application will not be rejected by banks and lenders because of your poor credit tags. You can now overcome all your financial chaos within no time.

As these loans are short-term in nature and belong to the family of unsecured loans they carry high interest rates in comparison to other loans available. However, paying high interest does not really matters as you are able to meet all your needs within the stipulated time. Repayment of loan amount on time would help you boost your otherwise sluggish credit record. You can request money-lender to extend your repayment period. He will do so but would charge a few additional money as penalty.

Payday loan no credit check is easily available online. You do not have to worry about long queues while applying for it as applying through internet allows you to grab instant funds without any time-consuming and lengthy paperwork formalities. It is advised that you carefully search the online loan market in order to fetch the best deal available.

How to Choose Financial Planners

Financial planners are primarily responsible for advising their
customers on methods through which they can save, invest and get good
returns for their investments. In fact, they assist their clients to
tackle specific financial goals such as giving them a macro view of
their money, assisting them in buying a new house or giving them an
overview of their relationships with various assets. However, similar to
various other professionals, they also specialize in specific areas as
some of them might be specialists in estate planning whereas other might
provide assistance with their experience on various financial matters.
Despite of such difference in specialization, most of the people usually
confuse them with stock brokers who are professionals with their
expertise in trading stocks. Therefore, as an individual, it is
important for you to understand that financial planners are quite
different from Sydney insurance brokers that help you with only methods
to cut your tax bills.

Any individual in Sydney can hang out a shingle to claim themselves as
experts, but this doesn’t merely make anyone an expert in financial
services. Many of them even write all those funny alphabets with their
names to make people aware about their designation in financial sector.
But, only Certified Financial Planners (CPF) are considered to be the
most professional individuals in this industry. Unlike others, they
undergo a rigorous training that is administered by the Certified
Financial Boards of Standards where they are tested about the essentials
of personal finance. Moreover, in order to match their knowledge with
latest ongoing activities in the financial sector, they are committed
towards continuing with the required education and training that is
conducted on timely basis.

Whether choosing a financial advisor
for your organization or your personal needs, it is recommended that you
choose a certified professional that shows clear signs of credibility
and guaranteed services. You can even take suggestions and
recommendations from your friends or relatives as they can assist you
with your search for a successful and experienced planner. Moreover,
some of them might have been working for their requirements with
financial services in Sydney and might be aware about the pros and cons
on investing in different areas to reap profits. In addition, you can
follow the below mentioned suggestions.

Conduct a background check

Before hiring any professional, you can conduct a background check by
talking to some of the references and understand the quality of work
delivered by them. In fact, you can also check their reviews through
various online search engines and get relevant information about their
work experience and designation. In order to verify that they hold a
valid certification, you can check with the CPF where you can easily
find their discipline records.

Check their pay structure

It is recommended to avoid commission based advisors that work on
commission basis and do not provide packages that do not give them good
incentives. Moreover, it is also recommended to avoid fee based
advisors. You can find some financial planners that earn one percent on
your annual assets. This can be a pocket friendly option with better