Digital markets

This is an account of how the truly gigantic international flows of cash, greatly facilitated by computers and telecommunications, are changing economic institutions and theories.
The computerized high finance centers on so-called "derivative products".
These are (among other things) ways of buying and selling debt streams with given properties.
For example, a company in need of short-term cash might exchange a bundle of 30-year home mortgages (which provide money with high reliability but at low rates of return and over a long period) in favor of a bundle of junk bonds (which provide money with lower reliability but at higher rates of return and on a variety of schedules).
The business of home mortgages is highly alluring, not for its profitability, but for the fact that it means a highly safe investment.
And the business is based on the need of the people to assure a "future" to themselves and to their family.
The need to OWN a place where to live in order to make it comfortable, nice and safe.
But how to choose among the most alluring proposals?
If you are a mathematic guru, you can calculate how much it really costs you, how safe you are, if it is better for your incame a long term or a short term loan.
If you are not, our digital society comes to your rescue.
When I made my first mortgage I looked for informations on the Net.
It was too early then.
Luckily enough I found on my husband's Visual Basic IV ( long time ago) a very interesting exercise: How to make a Mortgage calculator.
It was easy and it was great and it was very useful.
Today you can find it already made.
At Home equity loans you can easily find Mortgage Rates and a
mortgage calculator.
Not only, you can find also expert advice and tips for "Borrowing Intelligently" or understanding the big difference between prequalified and preapproved and everything else you might be interested in knowing...

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