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Newspaper Briefing informs you of what is happening in the news before the market opens. We believe our Newspaper Briefing is an invaluable tool to set up your trading day, therefore giving you an edge. Our Newspaper Briefing is just the start of our trading day at Guardian. We work with our clients to provide them with information and guidance to enhance their trading decisions. Guardian will provide you with an individual service together with the most suitable and expert advice at a fair and reasonable cost. Europe spends billions to avoid financial meltdown: The European Central Bank will wade into the financial markets in an attempt to prevent the turmoil in the single-currency area from spiralling out of control. After desperate calls from global leaders for the bank to buy Italian and Spanish government bonds, it announced that it would take action aimed at quelling the recent financial market chaos. Care homes Chief in line for 494,500 severance pay: The failing care homes operator Southern Cross could be forced to spend more than half a million pounds paying off its top executives when it closes. The company is contractually obliged to make a number of so-called golden parachute payouts, the biggest of which is owed to the Chief Executive, Jamie Buchan. Generation Rent has to save 31 years to raise the deposit for first home: Millions of young couples have no hope of ever owning their own home as they are caught in a trap of high prices, tough mortgage conditions and low wage growth. Average earners with no recourse to the Bank of Mum and Dad would take 20 years to save for a deposit on a standard first home if they put aside 5% of their income, the Resolution Foundation think-tank says in a report. Like his lordship, hotelier takes a shot at Ickworth: The stately home in Suffolk where the 7th Marquess of Bristol squandered the family fortune on drink and drugs could be sold back to the entrepreneur who converted it into a luxury hotel. Nigel Chapman is understood to be among the leading second-round bidders for parts of the Von Essen Hotels chain, which was put up for sale in June after it collapsed in April under debts of about 300 million. Brown acted like Mussolini over Iceland: Icelands Central Bank Governor likened Gordon Brown to Mussolini as relations between his country and Britain became strained at the height of the financial crisis, diplomatic cables have revealed. Documents from WikiLeaks quote David Oddsson, the Central Bank Governor and former Prime Minister, reacting angrily to moves by Britain to protect savers in Icelands collapsing banks. Gold-plated pension pots, but only for those at top: Top executives in Britain will retire on pensions almost 30 times larger than their typical employees, according to a new study. The average executive on the main board of a FTSE 100 company in a final salary-linked scheme is set to receive 175,000 per year, while the median pension overall from private sector schemes is just 5,860 per year, said the High Pay Commission. Bond Street: its really worth its weight in gold: Buying property on Bond Street in London is as secure and lucrative an investment as buying gold, thanks to soaring rents and values in Europes most expensive street. Research by the global property services group DTZ comparing the capital value and investment returns from buying gold with those of buying bricks and mortar in the Mayfair street show a similar level of performance. Bank of England will leave door open for QE: The Bank of England will indicate later this week whether it is open to a fresh round of quantitative easing in the face of ongoing economic headwinds. The central bank will release its quarterly inflation report on Wednesday, which is likely to support the view that interest rates will stay at 0.5% deep into 2012. First-time buyer black spots rise in the U.K.: The number of first-time buyers in the U.K. has tumbled over the past two years, resulting in seven out of 11 regions become black spots for the market. The level of buyers in the majority of the country made up just 20% of the total transactions in July, half the level for a healthy and functioning property market according to Rightmoves latest survey. Verizon hit as 45,000 staff go out on strike: More than 45,000 workers at U.S. telecoms giant Verizon have gone out on strike after the unions walked away from contract negotiations. The Communications Workers of America (CWA) trade union announced the move, saying that since negotiations began on 22 June, Verizon had refused to move from a long list of concession demands. Virgin Media to reach another 100,000 homes: Virgin Media is set to expand its cable network to pass a further 100,000 homes by the end of the year, as the super-fast broadband arms race with BT continues to heat up. The group, run by Neil Berkett, will announce the expansion of its network, which currently covers just over half the homes in the U.K. SSI kicks off recruitment drive in Redcar: A Thai steel company that bought a mothballed plant in Redcar in the North-east of England will start its search for 1,000 employees. The plant had been shut down by Corus, formerly British Steel, in February last year at the cost of 1,600 jobs. It was subsequently bought by Thailands Sahaviriya Steel Industries (SSI) which starts its recruitment drive from. Berkshire in $3.2 billion bid for reinsurer: Berkshire Hathaway has waded into the takeover battle for Transatlantic Holdings, tabling a $3.2 billion bid for the reinsurer. The $52-a-share offer from National Indemnity, a subsidiary of Berkshire Hathaway, follows Transatlantic agreeing on an offer from Allied World Assurance in a deal that valued it at $2.7 billion. Discounts help fashion retailers to boost sales: Fashion retailers delivered a robust rise in sales in July after hefty discounting and the damp weather helped to bring forward purchases of autumnwear. Luxury and beauty chains also enjoyed a solid month but most general-merchandise chains particularly homeware retailers struggled, as the squeeze on consumer spending continues, according to the accountancy firm BDOs high-street sales tracker. Transatlantic Re bid revives deal hopes: The bid battle for Transatlantic Re could herald a new round of consolidation in the reinsurance market, according to bankers, as other insurance groups turn to deals amid a competitive underwriting market. Switzerland-based Allied World and Transatlantic in June agreed an all-stock merger before Validus made its own $3 billion cash-and-stock hostile offer last month. U.S. downgrade: a mere sideshow: Ignore the immediate market reaction to the first ever downgrade of U.S. credit there is bound to be a knee-jerk response. Investors should remember the underlying U.S. fiscal situation is in no worse shape now than it was last Friday just before Standard & Poors announced its AA+ rating. The action is merely a trailing indicator of a situation of which investors in the worlds most analysed economy are already well aware. Indeed, since S&P put the U.S. on downgrade alert in April something that would have triggered a sell-off for any other country investors in U.S. treasuries have barely batted an eyelid. Yields on 10 year government debt have actually fallen about one quarter. In a global context, investors should keep their minds focused on the here-and-now. Currently, the biggest risk to the world economy is not a U.S. default the ability to print its own currency means the worst that can happen is a continued gradual weakening of the dollar over decades. Italy and Spain, however, are hostage to the Euro a currency they cannot control. The countries borrowing costs have risen sharply over the past month and the German government has refused to contribute more funds to Europes bail-out fund. European insurers: uncertainty lingers: In the last crisis, markets suspected Europes insurers of harbouring vast quantities of toxic debt in their investment portfolios. So they were lumped in with banks, the main holders, and investors dumped their shares anyway. The insult was doubly painful: insurers are not geared like banks. While lenders first-half results still show the pain of the last crisis, European insurers have mostly rebounded with few scars bar sickly share prices. Operating profits have risen, lifting capital reserves. Yet their resilience goes unrewarded: the Bloomberg Europe 500 Insurance index, up 72% from its mid-crisis low, has returned only 18% points more than its banking sister. Are investors being too harsh? Banks, after all, had to recapitalise post-crisis. Insurers did not. Even so, regulators were panicked into beefing up Solvency II, European insurers proposed capital standards, arousing fears that insurers would have to raise significant new capital. But through self-help such as asset disposals by the likes of Aviva, Axa and Old Mutual, and cutting sales of capital-thirsty new life products overall capital is now more robust. Corporate debt: CEOs conundrum: The Walker Brothers song was number one in the charts in April 1966, the last time the yield on investment grade corporate debt was low. Then and now, Moodys calculates that U.S. BAA-rated companies could borrow at 5.36%. The worries about many countries sovereign debt and indeed the U.S. credit downgrade make the corporate option look safer. The conundrum for canny Chief Executives is how to take advantage of the debt sunshine. For companies that deleveraged after the financial downturn, the easy answer is to leverage up and use the borrowed money to buy back shares. At the current interest rate, any company whose share price is less than 18.7 times earnings will gain an immediate earnings per share benefit the S&P 500 currently trades at a forward PE multiple of 12 times. This will be especially tempting for Bosses whose remuneration is based on their companys EPS. At current interest rates, a company trading at 12 times earnings can pay a 20% takeover premium for a company of the same size selling at the same multiple and achieve an EPS boost of about 23%. Dont panic! Contrarian opportunities abound: Global debt crises, a mass sell-off of assets, margins calls and even safe-haven assets such as gold fell victim to profit taking. Its all very reminiscent of the 2008/09 plunge at the height of the recent crisis, albeit this is a crisis of government solvency rather than banking solvency. When there is a mass sell-off of assets everything falls the good assets and the bad. This means that now is actually a great time to buy quality companies at what could be a bargain-basement price. Shares bounced back strongly after those huge plunges as they always do over time and theyll bounce back once again from the current round of panic. RSA Insurance has the highest prospective yield in the FTSE 100, at a stunning 7.9%. Aviva is the second-highest yielder, with a forward dividend yield of 7.7%. Both companies posted good results last week with nothing in the statements to cause great concern. Utility groups have also fallen in the market rout. Now, during a recession, when business activity reduces, there is a reduction in demand for electricity and water. However, there are limits to how much this will fall and the big issue for water companies over the past few years has not been falling demand but dealing with regulators to agree the rate of return on capital allowed over the next five years. Of the utilities, National Grid is now yielding 6.7%, Scottish & Southern Energy is yielding 6.1%, United Utilities 5.6% and Centrica 5.1%. Vodafone is also very cash- generative and diversified globally. Its yield of 5.9% is very attractive, as are ones in tobacco groups, with British American Tobacco yielding 4.7%. Questor Says Buy. Bayer threatens to quit Germany over nuclear shutdown: Germanys decision to phase out nuclear power after the Fukushima catastrophe in Japan could lead to some of the countrys major companies relocating elsewhere in search of cheaper energy. Marijn Dekkers, Head of Bayer, the pharmaceuticals group, said: "It is important that we remain competitive compared with other countries. Otherwise, a global company like Bayer will have to consider relocating its production to countries with lower energy costs." Banks stakes sale a decade away analysts warn: Taxpayer-owned Lloyds Banking Group and Royal Bank of Scotland could spend another ten years in state ownership, City analysts have warned. Plunging stock markets, coupled with fears about impending changes to regulation, have pushed shares in the two lenders to levels well below the point at which a sale would see taxpayers recoup their investment. Entrepreneurs face tough decisions which could help save them money: Whether to remain a sole trader or opt for limited company status is a question increasingly being asked by entrepreneurs. With businesses committed to using more remote workers, experts predict more will choose to go it alone as freelancers. Research by recruitment agency peopleperhour.com shows a 68% rise in the number of firms hiring remote workers in the past 12 months. Interserve wins Qatar contracts worth 70 million: Support services group Interserve has won contracts worth 70 million to help the Qatari government exploit its vast natural gas reserves. Interserves Gulf Contracting arm sealed a 60 million deal to provide office buildings for JGC, which is building gas-processing facilities that will help Qatar exploit the worlds largest single deposit of natural gas. Silvermere dives in to Gulf of Mexico: A former beauty firm and cash shell has re-emerged as an oil and gas outfit following a reverse takeover. Shares in Silvermere Energy will start trading on Aim on 19 August following Chalkwell Investments takeover of Core Oil & Gas, which owned a stake in a Gulf of Mexico oil and gas field called Mustang Island. SMEs set to fall, warns CBI: Smaller U.K. manufacturers are set to cut back on investment as demand and output grinds to a halt on the back of a global economic slowdown, the Confederation of British Industry warns. A survey found confidence among small and medium-sized enterprises (SMEs) declining for the first time in two years, with 28% saying they are less optimistic than three months ago. World's crises plunge U.K. factory sector into gloom: Optimism among U.K. manufacturers has plummeted as global economic and political uncertainty over issues such as the euro crisis and the U.S. debt ceiling take hold, the Confederation of British Industry has warned. Although recent reports show businesses in Scotland enjoyed "modest" economic growth and even "robust" output growth, small and medium-sized manufacturers across the U.K. expect zero growth in both demand and output over the coming quarter, and are reappraising their business plans as a result. U.K. growth forecast set to be slashed as turmoil continues: The Bank of England is expected to slash its forecasts for the U.K. economy once more this week and signal that interest rates are to stay at historic lows for some time yet, amid the latest market panic. Global stock markets are braced for a long week of fresh mayhem after the dramatic downgrade of debt-swamped America's credit rating on Friday night, triggering fears of a rerun of the 2008 financial crisis. Another canny move by Buffett as profits reinvested in takeover bid: Billionaire American investor Warren Buffett has hit the acquisition trail after earning more than $800 million (490 million) in profits on a $5 billion loan to support Goldman Sachs during the financial crisis. A unit of Buffett's Berkshire Hathaway jumped into a bidding war over New York-based reinsurer, Transatlantic Holdings, offering to buy the firm for $3.24 billion. Ex-Lloyds Director joins branch sale bidder Sun: Entrepreneur Hugh Osmond has lined up Mike Fairey, the former Deputy Chief Executive of Lloyds TSB, to run the 600-plus Lloyds Banking Group branches for which his Sun Capital Partners vehicle is bidding. Sun Capital, NBNK Investments and Co-operative Bank, are understood to be the three parties who have put indicative bids on the table for the branches Lloyds is selling at the behest of the European Union. Three other parties, including Clydesdale Bank, are also in talks. North Sea joint venture folded: A joint venture company set up by Amec, Production Services Network and Wood Group ceased trading in April after it did not renew a lucrative North Sea contract with Shell, statements sent to Companies House have shown. Sigma 3 (North Sea) delivered maintenance and modifications projects on behalf of Shell in the North Sea for nine years. In its latest set of accounts for the year ended December 2010, the firm made a pre-tax profit of 3.9 million on a turnover of 110.6 million. BT wins appeal against mobile phone firms: Mobile operators are set to pay tens of millions of pounds to BT after the fixed-line telecoms giant won an appeal on termination rate charges. Media and telecoms regulator Ofcom had ruled that BT could not increase its charges to Vodafone, Everything Everywhere, O2 and 3 despite those firms charging its users more than 8p a minute to access 0845, 0800 and 0870 numbers. Thomas Cook faces long-haul recovery: Struggling holiday group Thomas Cook has told City analysts it may take up to three years to nurse its British business back to health because there is "no quick fix". Chief Executive Manny Fontenla-Novoa quit the company last week after its third profit warning in a year. The group has also made the first of its planned disposals, selling a hotel in Mexico for $20 million (12 million).

To Know How To Find American Family Health Insurance Quotes. by ...

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