I would like to have a safeand secure, legit, personal finance tracker online. Basically where I can input debts and have access to assistance or tips, a way to keep up with my finances and get things on the right track. Any suggestions? I was scared to try some places because I wasn’t sure if it is a safe and secure sight. Thanks!
I have found something related of what you are looking for, it works fine for me.
Where can I find such info? (include a link). I am a Economics and Finance Bachelor of Business Admin graduating in May. I obtained my degree in the USA. I have 4 months of finance experience (currently employed full time as a financial analyst) and excellent academic record. What range of salary would be oferred (in UK) for someone with my qualifications? Where should I look for job listings? (I would like to live near London). Any advice would be greatly appreciated. Thank you.
You will probably make in the range of $43,809 as a starting salary…not bad but you will have the opportunity to increase as you continue your years in the business..enjoy 
http://www.cfo.com/article.cfm/3887186/c_3887213?f=home_todayinfinance
I am preparing to graduate college in may of 2008 and I am wondering what a 1st year finance major can expect there first year out. I have a 3+ GPA and I want to become and investment banker, any suggestions would be welcomed. My area of finance is corporate finance.
It really depends on the field you’re going in, whether it’s sales or operations, with a mixture of bonuses and commission.
If it’s operations (such as backoffice of a financial institution) the starting wage can be mid 40′s to mid 50′s. With this field there’s no risk of losing money since you’re not depending on sales and so forth, but the tradeoff is that you’re only extra incentive comes from quarterly or year-end bonuses. Usually there’s little to no commission at all.
And of course with sales the potential to make money is unlimited. It really depends on where you’re going to start in. If it’s in banking, like myself, you’ll get a mid-range salary plus commission and bonuses. Or you can do the 100% commission route, which doesn’t start off bad, like for example at UBS they’ll pay your first year at $65,000, but after that it’s 100% commission, and if you don’t have $3 million in sales generated by the end of the first year then the tradeoof is that you’re let go. (I wonder about the $80,000 figure that was quoted in another blurb above and whether or not it has to do with the UBS example. I haven’t heard of anybody starting right away at $80,000, even with a Master’s.)
So all in all operations you’re looking at mid forties to mid fifties, sales it all depends on how much of a factor commission is.
Hope this helps.
Because of their insight and knowledge of the business, investment options, and trends? Just curious. I would imagine ordinary folks may be able to be money savvy to a certain level over time but probably still no equal to the pros who breathe finance/accounting/banking work night and day.
cybe’s made a very interesting point. I guess "ignorant" could be a "blessing" in the investment world LOL? Perhaps the more one knows, the more confidence, the more risk one may take, and the more money one may make – or lose?
It’s about like Gamblers who work in casino’s. You would think they would do better, and they should, but they have the same down falls if not worse than others who usually lose there.
Being to close to a situation can cause you to lose important perspective on it. Objectivity and Knowledge are equally important, well if you have no knowledge nothing works, but saying you have some, objectivity is extremely important. People sell themselves all the time, then see where their logic was flawed later on.
You have to be like a Panther to make it without some other beast eating your lunch or just killing your whole investment. You watch, check for predators, know the terrain, check for predators again, understand the movements of the prey intricately, and when, and NOT until everything lines up, you jump, pounce, and run away with the kill to eat it WAY UP IN A TREE where it’s safe, totally away from the market … get what I mean?
Check things out carefully, watch for Sharks out there who give you bad info, check trends and what the prey (stock) is doing by checking fundamental business factors which affect it, trends in the market, market sector, company, and in government … when it all comes together get that stock! Watch it for a while, then get the hell out with a profit, and run away from the market for a while. Then do it all over again to make, or lose, more, lol.
If investment is easy for you, then you will probably lose, bad. If it is hard and exhaustive, tedious and seems like you waste a lot of time watching and waiting, then you will probably win, if you have any kind of feel for it.
And like the young panthers, you will probably miss more than you get at first. Hunger drives and practice sharpens instincts which improves your skill. If you are not a born killer, you will probably die of starvation, but if you have that thing, you will probably be able to make it pay off … though the market and bad stuff might kill you off (break you and destroy your will to invest any more) anyway.
If any of you have hurt by mortgage crisis, could you please tell me your story and how do you handle your finance. How much percentage did your house’s price dropped? Is it affected your lifestyle?
I have a low (5 1/2%) fixed rate loan so it has not affected me directly. The value of my home has probably fallen about 10%. But it has not affected my lifestyle since I am not planning to sell any time soon.
im planning on trading my bike in for a used nightster, i need to know if i will be able to finance the taxes and fees or, what im guessing, have to have the cash for them upfront. thanks!
Like the guy above said, it’s your choice as to whether or not they go on the financing. You can pay it up front with the down payment which will reduce your monthly payment, or for a few bucks more a month, you can add it to the financing.
My finance is swearing all the time, & I have a 7 year old boy, & we have a baby on the way. I don’t think it is good for my son to hear these words all the time. Often he uses cuss words in a normal conversation. He also has a short temper & simple things get him to swear & yell. I don’t want to raise kids like this, how do I get him to stop. Isn’t it bad for kids to hear?
Why is this $#@$% question in the personal finance area?
I am thinking about going back to school to get a BS in Business Administration.
I would like to know what the difference is in careers in Finance and Accounting. Has anyone had a career in either field? What I want to know is:
What did you think of your career?
What did you do all day in Finance or Accounting?
Did you find it exciting or really boring?
For a career as a Financial Planner or Financial Advisor, do you work off of commision only?
Any information would be very helpful. Thanks.
a B.S. in Bus Admin is a useless degree
Finance is more banking/credit/loans/mortgages related
accounting is number crunching, financial statement prep, auditing
accounting is generally boring repetitive, often stressful
haven’t worked in Finance field
FP/FA – mostly commission or salary with sales quotas – cold calling
How is the New Zealand economy currently doing and how is the job market in the area of finance?
I am from US and I will be doing a PhD in Economics in Wellington. I also want to do some consulting work in accounting and finance while working on my research.
Thanks.
For Accounting, do you necessarily have to have NZ accounting certification, or a CPA from US will do?
You’re going to Victoria University in Wellington? Ask your supervising Professor, he or she is probably best qualified to answer that.
It will also depend on whether your visa allows you to work in those fields. Generally though, I would think that’s a pretty tight market at the moment. To work in accounting in NZ you would need to have NZ accounting certification.
EDIT: About the accounting requirements. You may want to contact the NZ Institute of Chartered Accountants for more details. You will need NZ certification for many accountancy roles (which would require an exam) because of the legal aspect. In some cases you may not. The institute will be able to give you full details. Good luck!
http://www.nzica.com//AM/Template.cfm?Section=Home1
Life style is now a debatable topic for everyone. When lifestyle comes to our mind we get straight. It is true that lifestyle and finance are co-related to each other. You cant maintain a good lifestyle if you have poor income resources. So it is clear that finance and lifestyle need to co-exist in some form. Lifestyle deals with buying the latest fashionable accessories and gadgets or any home appliances. So money is the key word for you so that you will deserve to such kind of lifestyle. If you don’t have enough money to maintain lifestyle, then you need not to spend the money.
The ideal lifestyle should be in form of financial stability. Make sure your financial status is good then go for maintaining lifestyle. It will be foolish to dreaming lifestyle if you have not capacity maintain it. So that it will make you bankrupt. Do not go through the artificial magazine flash, they will make debarred from your society. As there is a proverb “cut according to your cloth” is really true. Give focused to your financial strength. Make sure that which life style will suit with you then you will go for investment.
Every body wants to maintain lifestyle as they saw their neighbors lifestyle. It is the mistake that the common people think that they sufficient money. But the concept is absolutely wrong. As to show their status symbol they are spending money with out any hesitation. The Gandhian principle is actually to follow by every one. Finance is the first thing you need to consider when you go for a certain lifestyle.
Benefits Of A Finance Calculator: You will often found pundits or gurus are using a finance calculator while they determine your mortgage or home loan payments of your personal finance. Many people do not understand of finance calculator and their functions. As the software technology develops, many people are unknown to these products. But there is sufficient information on internet that you can get more details. This is not because they are too complex to understand, but because people simply do not see their relevance. Even the salesman tries to persuade about the finance calculator with all sorts of hype, still you unaware to try the demo. If it is something new and foreign, we need to treat it carefully.
A finance calculator is a small computer device that can perform variety of specific finance calculations. The main purpose of a finance calculator is that you can use it for long term calculations of your budget or your home loan or car loan or any classroom calculation. This financial calculator is designed with some finical variable to analyze the complex financial equations. It is much better than a simple calculator. You can calculate and analyze your own personal budget. Finance calculator is only for you to account your daily financial analysis.
George Wood
http://www.articlesbase.com/finance-articles/finance-lifestyle-and-benefits-of-a-finance-calculator-77179.html
I wanted to start studying for my major in college which is finance and I was just wondering exactly what type of math do businessmen use in the field of finance and economics?
it might depend on which school you go to…diff schools diff requirements? the business school here, only requires up to college calculus…theres 2 types of calculus…engineering calculus and calculus…take the regular one, much easier
Perosnal Finance software helps you balance your check book and manage your finances.
MSN Money and Quicken are always ranked the highest but they are labor intensive up front and require additional steps to keep it updated. If you’re looking for simplicity try mint.com but that lacks the ability to input your investments. It is secured using the same software many US banks use for firewalls.
I want to work in investment banking/ finance after college, and was wondering if Computer Science would be a good quantitative major for an undergraduate degree.
Ultimately, I want to get an MBA right after or at least a Masters of Finance degree before I start working.
I agree with the first answer. I would encourage you to go for your MBA in finance. Have a great day!
I’m set on getting a new Apple Macbook. I’ve heard that financing through Apple or Barclay as it’s called, is horrible. Someone suggested I purchase through Best Buy and finance through them as well. Does anyone have any other suggestions on financing a Macbook or anything to add to Apple and Best Buy financing ?
Someone else was asking about a notebook computer with very specific requirements. I found a dual-core, high clock speed, 3GB RAM, 320GB hard drive, high-end ATI chipset GPU Windows 7 system for less than $500 including tax. That’s retail price at Best Buy.
I’m not saying you should settle for a PC (heaven forbid!). But notebook computers can be had for less (much less) than $500 now, full retail price, including tax. And these are NOT stripped-down entry level models.
I think anybody would be nuts to consider financing the purchase of a notebook computer. Save up a few hundred bucks and buy one. If a few hundred bucks won’t buy an Apple Macbook, you need to ask Apple why their hardware is so fricking expensive when nearly identical hardware running "Windows" is dirt cheap.
Finance sounds like a heavy term. It seems to be a thing
only for big businessmen or imposing tycoons. This sounds
to be not much of a bother to the ordinary person.
If this is the attitude, then it is time to change it. One
must see finance in a different light and make things work
in a different level.
What Is Finance?
Finance can be defined in many ways. Broadly, however,
finance pertains to money and to the many ways it can be
managed and controlled. This is the necessary money to
support an endeavor or to further pursue a profitable
venture.
Thus, taking on this definition, finance is a concern for
everybody. It is not about big businesses only.
Why Is Finance Important?
Finance is crucial in any household and to any individual
that has a future to look forward to. Here are the many
ways by which finance will be significant:
Security
Security is important. This will ensure that no matter what
happens, there is some ground to depend on still.
Proper financing can make the household secure from any
undesirable possibilities. Like when somebody loses a
job, proper allocation of the money beforehand should
ensure enough cash to get by while the times are rough.
Growth
Finance also plays a big role in the advancement of any
endeavor. For example, a small business can grow larger
if the owner knows how to control the money that comes
in for a bigger enterprise.
It is not enough to settle with just getting by in everyday.
There must be some growth in the pool of wealth and resources
that the household depends on. With this, success is a big
possibility.
Protection
Good management of the monetary resources should also
include the protection. This is a big necessity, especially
for those who managed to propagate their resources.
Stability
Good financing also helps in giving the individual or the
household a stable future. This means that it a happy retirement
can be expected.
There are no debts or obligations to worry over. There are
no suits or liabilities to watch out for. The future promises
just the plain enjoyment of the fruits of your labor.
Proper Financing
There are many ways to implement a successful financing scheme.
It, however, depends on the circumstances of the person and of
the situation.
Here is a list of some general guidelines to take care of the
finances:
1. Live within the means of the household. Do not spend too much
on the unnecessary. Bank on a future first before indulging.
2. Save money. Always keep a portion of the resources for savings
purposes. In the long run, this will provide a bigger pool of
wealth for the household.
3. Avoid loans or credit cards as much as possible. There are
some schemes that promise good offers on loans. However, if
not entirely needed, stay away from this. This may only turn
into a liability later on.
4. Always think of improving the current situation. This is a
must to move up the ladder to success.
5. Study carefully the options. You may have the right vision,
but you have to take the right steps towards that. This is also
a good way to avoid wasting money and effort on fruitless agenda.
Conclusion
Finance is a matter that concerns everybody. Take it seriously.
All rights reserved. Content may be reprinted if it remains
unchanged and links remain intact.
Article written by Jay Ashley.
Jupita Fanklin
http://www.articlesbase.com/finance-articles/understanding-finance-67518.html
I work in Maintenance as a Engineer, I asked a similar question before regarding about CFA and MBA, but just to get a taste of Finance, is there any courses I can take? I live in the Toronto Area. Please help. Thanks.
The head office of Edward Jones is in Mississauga. They prefer to hire people with no background in Finance so that they can put you through their 6 month training program. Other than that, either get a job in a bank, insurance company, etc or get your licenses to sell any of the following: life insurance, securities, mutual funds, etc.
I am considering finance, but all i have done in school is do problems. A lot of it is very difficult. Do finance majors use everything they learned in their jobs? What exactly do they do? How would a finance degree help me after law school?
I’ve taught finance, have degrees in Econ and Finance, and have worked in financial services. So I’ve seen it from literally all sides of the fence.
Finance is a very broad field, just like many others. Here are just a few of the many jobs out there:
1) Financial Advisors who sell finance products–stocks, bonds, insurance, etc
2) Personal Bankers who open and close accounts–savings, checking, loan, cds, etc
3) Financial Analysts who evaluate investment opportunities, mergers, and projects
4) Investment Bankers who are involved in the issuance of stock, mergers and acquisitions (M&A), etc
Yes, we do use what we’ve learned in school. The only issue is to what degree. In other words, a personal banker doesn’t do the heavy-duty number crunching that an investment banker and financial analyst would. But they both have to have a knowledge of financial principles, concepts, and terminology.
For instance, a Stockbroker–often called Financial Advisor or Consultant–may or may not do his or her own research. He or she may simply rely upon the firm’s recommendations and use that. In other words, the firm already did the research and crunched the numbers, so why should I? Others will do their own number crunching for the opportunities the firm doesn’t focus on or investigate.
How would a law and finance degree help? Well you could investigate the financial possibilities and handle the legalities involved with it too. Someone without the legal background may only be able to handle the financial side of things. But when it comes to the legalities, he or she could be clueless. And rely upon the lawyers to take it the next step.
Bottom-line, fiance is no different than any other field. Some people use more of their training than others. But we all use part of it in some capacity.
I recently applied for car finance and have been approved but i think my finance brokers fees are way too high, Is there any way i can find out what the fees should be? And are they different from state to state?
The fees vary by the lender. You should have shopped around for a better deal.
Currently, I am a mba student, and I am really interested in finance. So I wanna find an interesting topic in corporate finance to write a paper, through which I can mine more knowledge in this field. Thanks for your help.
explain how the use of derivatives can be uesed to determine maximum profit and minimal cost, if you need any help just shoot me an email (dani_california90@yahoo.com). i just wrote a paper on that for today for my AP Calculous class and have some examples if you need any…
I want alerts regularly for latest finance buzz and news. I hardly get time for reading news on net. So I want latest finance new to be mailed me regularly, so when I check my mail box I can read latest finance and news too(Especially FINANCE NEWS). Please help me with this.
Well, there are a few ways that I can think of. I think one of the best would be to sign up for an online newsletter, one from a reputable financial publication like Kiplinger.
Other than that I believe that there are some online finance magazines that you can sign up for an RSS feed with. I know that isn’t the same as your mailbox but it still keeps you up to date.
Otherwise there are a number of financial magazines that you can look at online, usually the ones like Fotrune, and Money which is hosted by CNN, and I believe that they will give you an email update but you’d have to check their website.
One last thing, there is a pretty good ehow article that describes your options, some of which I already said, but it might be worth a look.
Here is the link:
http://www.ehow.com/how_4720609_online-finance-magazines.html