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The Cost of Security Today
by François Masquelier, Head of Corporate Finance and Treasury, RTL Group, and Honorary Chairman of the European Association of Corporate Treasurers
Over the last five years, European treasurers have learned to manage counterparty risk. They have become less trusting and more cautious in investing their funds. Return had become necessary to correspond to risk. Unfortunately interest rates are so low today that security now has a cost. This is an economic paradox, if ever there was one. What can treasurers do to find a return while keeping down the risk incurred?
'Mo Money Mo Problems' (The Notorious B.I.G)
Over the last five years, corporate treasurers have (re)discovered a forgotten and theoretical risk, that of possible default by their bank counterparty. Therefore they gave priority to counterparty security. Clearly, for negotiating financial instruments the risk of non-delivery is small, and the possibility exists of recovering deposited collateral - if any, in the case of Credit Support Annex, or CSA, a legal document which regulates credit support (collateral) for derivatives transactions. For cash deposits, on the other hand, there is indeed a real risk of losing the whole amount. Treasurers have therefore become extremely cautious when investing their cash – and these cash surpluses, by the way, have kept on accumulating. This is paradoxical. While counterparty risk was rising and interest rates were falling, the amounts being invested were growing. Fearing uncertainty and because of future needs, treasurers have preferred short-term investment (a maximum of three months to fulfil the IAS 7 'Cash and Cash Equivalents' conditions). Moreover, short-term investing is a way of mitigating default risk.
Another strategy involved investing in money market funds, particularly ones with a high credit rating (AAA) so as to subcontract the management and achieve greater diversity. This strategy worked well especially in an environment of falling interest rates, which gave returns of EONIA plus double digits basis points. Unfortunately, rates ended up hitting the floor and returns became ever slimmer, finally becoming nil or negative. The plan was to preserve the principal, even at the expense of return, but there is no longer any room for sophistication. Stay 'short' and stick with low risk. However, today this security has a cost. It is this cost that presents a problem for many treasurers.
Security has a price, but not just any price
Security now has a price: no return or even a negative return, the last straw for treasurers with cash surpluses. How strange it is to have to pay to invest your funds. And perhaps in the short term we may even end up booking an interest charge on a bank investment. Unbelievable, isn't it?
IMMFA AAA rated funds are closed to new investment, victims of their 'Constant NAV' approach. We can readily imagine that, if the low interest rates situation persists (and we have to fear that it will), these same IMMFA funds may possibly even have to repay their investor clients. The economic situation is such that it is not impossible to envisage this. So what should we do? The real challenge lies in reviewing investment strategies and revisiting policies to adapt them to one of the most exceptional economic climates ever. The alternatives are merely theoretical unless we accept that certain principles have to be reviewed.
Possible alternative strategies
Many companies have made use of share buyback operations or have distributed large dividends. However, for the remainder of their cash surpluses, they have to adopt mixed and varied strategies. By combining different products, they can increase their returns while keeping risks reasonable and still achieving an investment duration that is certainly longer but still acceptable. The solution therefore consists of maximising return by using a variety of solutions to offset a yield curve that is rather flat and close to rock bottom. There is no perfect solution. The first concession you should allow is that of not qualifying as a cash equivalent under IAS 7. You need to be able to use investments of greater than three months, which do not count as cash equivalents. The average investment term should then improve the portfolio's overall return. By fragmenting deposits and investing them with different institutions, we can reduce risk and achieve a better spread over time. Time and the length of the investment period are the key factors to be considered. Sometimes short-term rates (
In the same line of thinking, some banks offer loyalty products of various types: for example deposit accounts for savings or 'notice accounts'. These give a better return in exchange for a minimum notice period of between 35 (qualified for IAS 7) and 100 (non-qualified for IAS 7) days. These accounts have restrictions on the maximum deposit that the bank will accept. They can form part of the gamut of alternative techniques used to offset low interest rate levels. The solution certainly involves a combination of different products.

subset: commoncrawl


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A Saskatchewan credit union is taking steps to fulfil a recommendation made by the Truth and Reconciliation Commission that businesses strengthen ties with indigenous communities.
Saskatoon-based Affinity Credit Union made a $100,000 donation to Wanuskewin Heritage Park, started developing a partnership with the Saskatchewan Indian Cultural Centre and is boosting its efforts to hire aboriginal people. Affinity made the announcement Friday alongside credit unions from Manitoba and British Columbia at a National Reconciliation Gathering in Winnipeg.
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Affinity Credit Union pledges to follow TRC recommendations Back to video
"The road to reconciliation will be long for all Canadians, but the participation of organizations like Affinity is encouraging. As Canadians, each of us has a great deal in common, and through the reconciliation process, I hope we will be able to use that common ground to build a brighter future for everyone," Paul Ledoux, Muskeg Lake Cree Nation's representative on Affinity's District 9 Council, said in a statement.
The 92nd "Call to Action" in the Truth and Reconciliation Commission's report urges Canadian businesses to consult with indigenous people, provide access to jobs and educate staff on the history of Canada's aboriginal peoples, including the legacy of residential schools.
Affinity is Canada's eighth largest credit union and has the largest credit union branch network in Saskatchewan. Wholly owned by about 135,000 members, it employs 900 people and has $5.7 billion in managed assets.


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New information following the change in COVID-19 alert levels. massey.ac.nz/coronavirus
1. An applicant who intends to register for tuition without fulfilling the requirements of a full programme leading to a Massey University qualification may be permitted to enrol for no more than 30 credits per year on a Certificate of Proficiency basis, unless applicants are International students attending the University under a Study Abroad or Student Exchange agreement in which case a higher workload may be required.
2. Except as permitted by the Enrolment of School Students regulation, applicants are required to satisfy Regulation 1 of the Matriculation Regulations.
3. Applicants for a Certificate of Proficiency shall pay fees, complete compulsory requirements and give notice of their intention to enter for examinations, where appropriate, as if they were proceeding to a degree, diploma or certificate. The Enrolment and Examination Regulations shall apply to such candidates.
4. The personal course of study of every applicant for a Certificate of Proficiency shall require the approval of the Academic Board. Normally approval is exercised as part of the enrolment process.
5. A student who has passed in a course for a Certificate of Proficiency may at a later date have the course credited towards a degree or diploma provided that the necessary conditions for the course as a part of the degree or diploma were fulfilled at the time when the course was passed for a Certificate of Proficiency.
In keeping with principles of sound management, Massey University wishes to ensure that it can adequately resource the programmes of study it offers. Accordingly, the University reserves the right under Section 224(5) of the Education Act (1989) to control the number of enrolments it will accept in any programme.
The number of places to be funded in any programme and the criteria for student selection will be available on application from Student Administration prior to each enrolment period. Every endeavour will be made to meet the academic needs of students where this does not prejudice the proper presentation or the academic standing of a programme.
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Everything posted by ML_93
Required CoursesI'm an Ontario student going into my 3rd year in hopes of getting in a masters program in molecular biology or food science. This semester I am taking a biochemistry course. With this course there is also a complementary lab course offered that is not required in my program, however, most other programs in my department need to take it. I am unsure if I should take this course as it may be looked for during admissions, although if I didn't need to take it I could use this additional time to volunteer in one of my professor's lab to gain experience. I have looked into the admissions of these programs in my area and the minimum requirement is having a BSc along with the required average and letters of recommendation so It seems like not taking this course wouldn't affect me. Although, even if this course is not required for my Bsc, I feel as if not taking this course will heavily hurt my chances. Should I take this Biochemistry lab or use the time to build my research experience?


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A new person helps, after a bad performance patch, even if the those replaced cannot be faulted.
Ahmad al-Sayed became chief executive of Qatar Holding in October 2008. And it has tried to take advantage of the financial crisis by picking up stakes in Barclays, Credit Suisse, Porsche, Volkswagen and Canary Wharf Group. And now buying the whole of Harrods.
Qatar Holding is the prime vehicle for strategic and direct investments by Qatar and is a division of the Qatar Investment Authority, founded in 2005 to diversify the emirate's assets away from oil and gas.
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Suggestion on how to motivate GIC, Temask staffers


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You'll recall that, last month, this blog was the first (apparently worldwide!) to report on the filing of a lawsuit, by government officials in Suffolk County, New York [which county includes the glitzier environs of "the Hamptons" (uttered through clenched teeth, of course!)], against Schering and Merk, which in addition to Consumer Fraud and False Claims allegations, made RICO allegations — calling these companies' conduct "indictable acts". [Click on thumbnail, below right.]
While it has not yet happened, fairly shortly, Schering, et al., will make a motion in that suit — a motion to dismiss for failure to state a claim under a federal Rule called 12(b)(6) — saying essentially that counties generally have no standing to bring such a suit — as the counties do not contract directly with the drugmakers for supplies of Vytorin or Zetia. The reasoning has heretofore generally run that only parties in contractual "privity" may generally sue on another, in such cases. Not so, held the Ninth Circuit Court of Appeals, just yesterday.
As Ed, over at Pharmalot notes this morning (albeit in another context), the County of Santa Clara, California has just won an important appeal against Astra USA, Inc., et al. — Judge Raymond Fisher of the Ninth Circuit has held essentially that Santa Clara County was, in the words of Congress, a "directly intended third party beneficiary" of the main contract for the drugmakers' various drug products.
Thus, Santa Clara may sue the drugmakers directly — and by inference, it just became far more probable that Suffolk County, New York will be able to survive the highly-predictable Schering motion to dismiss for failure to state a claim, under federal Rule 12(b)(6).
Cool. By the way, Schering-Plough, itself, was also one of the many other drugmakers sued in County of Santa Clara, California v. Astra USA, Inc. et al., ___ F.3d 11761 (Case No. 06-16471, August 27, 2008) — here's a quote from the "business end" of the opinion:
. . . .Applying the federal common law of contracts, we hold that the covered entities are intended direct beneficiaries of these agreements and thus have the right to enforce the agreements' discount provisions against the Manufacturers and sue them for reimbursement of excess payments. We have jurisdiction under 28 U.S.C. § 1291, and reverse the district court's dismissal of the complaint under Federal Rule of Civil Procedure 12(b)(6) for failure to state a claim. . . .
. . . .As intended direct beneficiaries of the PPA, covered entities may enforce the Manufacturers' ceiling price obligations under the federal common law of contracts. Although the statute mandating the PPA does not create a federal private cause of action, allowing Santa Clara's contract claim to go forward is consistent with Congress' intent in enacting the legislative scheme. Because it lies within the conventional competence of the courts, that claim is not within the primary jurisdiction of DHHS.
REVERSED and REMANDED.
Indeed — Buckle-up, butter-cup.


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The study ranks all 50 states and Washington, D.C., based on premium rates that were in effect Jan. 1, 2016.
The study shows California had the most expensive rates, followed by New Jersey. North Dakota had the least expensive rates. In the Northwest, Washington's rates were the 15th most expensive and Idaho was the 28th most expensive.
Oregon had the seventh least expensive rates in 2016, an improvement from its ranking as the ninth least expensive state the last time the study was done, in 2014. Oregon was 13th least expensive in 2012.
The study, which the Oregon Department of Consumer and Business Services conducts every two years, looks at workers' compensation rates for a mix of industries in all 50 states plus the District of Columbia.


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Bachtel prepares his team for another great season
Submitted by Fairfield1 on
Fairfield Eagles practiced hiking and passing at the first 2-a-days Monday. Look for more sports articles and pictures in upcoming editions of the Fairfield Recorder.
Photo by John Cockerell
Even after playing in the state title game last season, Coach John Bachtel has raised his expectations in an effort to help the Fairfield Eagles meet or even exceed last year's amazing season.
"Each season is entirely different," said Bachtel, when asked about the amount of pressure he is under to have
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