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American Express Financial Services Article
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Defining Financial Services
from:In a very broad and general way financial services are defined as any service, business, organization or agency that manages money or helps businesses, corporations, non-profits or private individuals manage or invest their money. This can include such diverse types of financial services banks, insurance companies, credit companies, mortgage companies, investment brokers and organizations on a local, state, national or international level.
Basically anyone can access financial services to gain an understanding of how to best use their money through using one of the many financial services available in most communities. Many people consider a bank as their first source of information regarding financial services, however other institutions such as investment companies, brokerage firms and even specialized investment companies that work solely as consultant type firms may also be an ideal option depending on your financial position, your credit score and history, and how large of an investment that you wish to make. All types of financial services may also be including in this heading including credit monitoring services, credit reporting as well as credit consolidation and management of debt agencies and corporations.
Asset management is a key component of most financial services. Asset management involves maximizing the potential earnings of assets through trading on the stock market, money market or global market. This process, depending on the level and type of investment may be fairly secure or may be extremely risky, so the brokers in the financial services are able to make recommendations and provide a prospectus on the projected earnings and risks of the investment. Using any type of financial or investment service does have risks, but with careful selection of trades or investments as well as a good understanding of market conditions there is also a lot of profit to be made. Seven of the top ten asset management financial services are located in the United States.
All financial services companies in the United States must follow guidelines and regulations set forth by the House Financial Services Committee of the US government. These rules and regulations are put in place to help provide protection for investors and ensure that all financial services are being completed legally and ethically. Some of the Acts and laws that the House Financial Committee oversees are the US Housing Act, The Truth in Lending Act, Fair Credit Reporting Act and the Federal Reserve Bank and Federal Deposit Insurance Corporation. The Committee also monitors global investments and investments inside of the United States from foreign investors. This careful monitoring and review helps financial services offer the best, safest and fairest opportunities for investment on any scale.
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American Express Financial Services News
American Express Business Travel Offers Companies a Free Program Assessment to Help Recession-Proof Travel Budgets (Centre Daily Times)
To help companies recession-proof their travel programs and identify further opportunity for cost savings, American Express Business Travel has announced that it will begin offering a complimentary travel program assessment to companies of all sizes in each region around the world beginning today. Previously only available to existing American Express clients, the assessment will use a ...
Read more...American Express Business Travel Offers Companies a Free Program Assessment to Help Recession-Proof Travel Budgets (Business Wire via Yahoo! Finance)
NEW YORK----To help companies recession-proof their travel programs and identify further opportunity for cost savings, American Express Business Travel has announced that it will begin offering a complimentary travel program assessment to companies of all sizes in each region around the world beginning today.
Read more...Staples Net Falls on Corporate Express Purchase Costs (Update2) (Bloomberg)
Dec. 2 (Bloomberg) -- Staples Inc. , the world’s largest office-supplies retailer, said third-quarter profit fell 43 percent on costs to acquire distributor Corporate Express NV and a slump in spending by businesses.
Read more...Money Talk: Investment banks branch out only so far (Dallas Morning News)
Many financial institutions – Morgan Stanley, Goldman Sachs and American Express, among them – have recently become bank holding companies to qualify for government bailouts.
Read more...Handren Named EVP-Information Services at Mutual of Omaha (Insurance and Technology)
Industry veteran comes to firm from USAA. Robert "Tim" Handren has been named executive vice president-information services at Mutual of Omaha (Omaha, Neb.).
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