I'm still in high school and i'm keeping all options open for careers. what is international finance all about? and what jobs are available if i get a degree in it?
What do they teach in an International Finance class in college?
There are many aspects to international finance. At an investment bank, IB professionals do "deals" on a global scale, other types of banks do different tasks in the IB process such as money management and currency trading. Corporate work involved a range of activities as well, such as managing the finances and/or the assets of a global organization, or being the chief financial officer of a subsidiary in a foreign country. Lots of opportunities.
Take as much math as you can in HS, and anything with critical reasoning is very good (logic). I would also take debate--it's a good skill for business school. You will also take accounting in college as a pre-req for finance (you need to be able to read financial statements).
Reply:International finance would be a fantastic career if you are interested in it. You could go into all sorts of international business fields with such a degree. The programs will vary by school, but most cover some international relations/politics, some economics, and financial stuff like accounting, etc. For some students, it is even a good major for study abroad.
Monday, August 3, 2009
I received a check from fortune point finance is this check good and can i cash it?
I received a check in the mail with my fortune point finance letter for 2,940.30 stating it is a assistance check to help pay for your tax and international clearance fees can I cash this check?
I received a check from fortune point finance is this check good and can i cash it?
I received this same thing as you did. However I am doing a little more research on it, I would suggest that you try calling the bank that is on the check. Also call the company that is named on there as well, you might get more information that way and you should be able to find out how bogus or not it is.
Reply:DO NOT ATTEMPT TO CASH THIS CHECK. IT IS MOST LIKELY FRAUDULENT AND YOU WILL BE RESPONSIBLE FOR IT.
Tear it up...shred it...throw it away...forget you ever saw it. You are not going to get free money out of nowhere.
EMT
Reply:If you weren't expecting the check, it could be bogus or a scam. If you're at all concerned about whether the check is legitimate, take it to the bank and **deposit** it and tell them about your concerns. The bank will look into the check's bona fides and if it turns out to be good, they'll release the funds to your account. That would be the time to cash it.
The problem with cashing the check immediately is that if it turns out to be no good, you're the one who ends up on the hook for the funds, and possibly processing fees as well. Play it safe and let the bank investigate it before you start making plans about what to do with the money.
Reply:Yeah you can cash it...If you want to pay it back and then some!!!
Reply:You need to read the fine print and see if you are obligated to pay the money back. People don't normally just send you money for the heck of it.
I received a check from fortune point finance is this check good and can i cash it?
I received this same thing as you did. However I am doing a little more research on it, I would suggest that you try calling the bank that is on the check. Also call the company that is named on there as well, you might get more information that way and you should be able to find out how bogus or not it is.
Reply:DO NOT ATTEMPT TO CASH THIS CHECK. IT IS MOST LIKELY FRAUDULENT AND YOU WILL BE RESPONSIBLE FOR IT.
Tear it up...shred it...throw it away...forget you ever saw it. You are not going to get free money out of nowhere.
EMT
Reply:If you weren't expecting the check, it could be bogus or a scam. If you're at all concerned about whether the check is legitimate, take it to the bank and **deposit** it and tell them about your concerns. The bank will look into the check's bona fides and if it turns out to be good, they'll release the funds to your account. That would be the time to cash it.
The problem with cashing the check immediately is that if it turns out to be no good, you're the one who ends up on the hook for the funds, and possibly processing fees as well. Play it safe and let the bank investigate it before you start making plans about what to do with the money.
Reply:Yeah you can cash it...If you want to pay it back and then some!!!
Reply:You need to read the fine print and see if you are obligated to pay the money back. People don't normally just send you money for the heck of it.
Should we wipe out savings or go with home equity line of credit to finance home improvements?
My husband and I are debating how to finance some home improvement projects. He says use savings, I say use a line of credit(repay within two years hopefully) I am afraid if we use savings we will never replace it. He doesn't want debt. Any opinions?
Should we wipe out savings or go with home equity line of credit to finance home improvements?
If you got the equity then go with the HELOC. If the home improvements are going to increase the value of your home then it's a no brainer. As long as you're not going to buy a car or take a vacation with it. Leave your savings alone.
...OR say you can get a HELOC @ 6% APR. Then the money in your savings account that you would have spent on your house - put that money in a CD (or some other investment vehicle) that earns 6% interest and then you're pretty much getting your home improvements for free. If you got 6% going out then see if you can get at least 6% coming in.... and then you'll make that much more when you sell the house because you didn't really pay much for the improvements.
Reply:ok your choice here is a simpel question go into debt or no if you have the money + $1000 for an emergency plan go with savings if not wait till you do have the money. or you take out the loan pay for the stuff you could of baught outright AND pay the bank for lending you money in other words you have 2 equations to choose from caust of improvments =caust of improvments or caust of improvments + intrest = loan
Reply:Neither of you are totally right in my book.
Without knowing your situation I can only speak in generalities, but this is what I do for a living.
Lines of credit are cheap..RIGHT NOW.
Savings are wonderful because we could crash and burn in this country..our largest banks are borrowing from Chinese, Middle East, European, and Japanese banks in record amounts to stay afloat, and some may become partially or totally foreign owned..it's that bad.
My suggestion, do a little of both..that way you'll be the happiest with each other, too !!!
Reply:Save up and pay cash. If you can't pay cash for your home improvements, then you can't afford it.
Reply:Neither. Never use all of your savings or borrow money for a luxury expense.
Save up the extra money and pay cash.
tanning
Should we wipe out savings or go with home equity line of credit to finance home improvements?
If you got the equity then go with the HELOC. If the home improvements are going to increase the value of your home then it's a no brainer. As long as you're not going to buy a car or take a vacation with it. Leave your savings alone.
...OR say you can get a HELOC @ 6% APR. Then the money in your savings account that you would have spent on your house - put that money in a CD (or some other investment vehicle) that earns 6% interest and then you're pretty much getting your home improvements for free. If you got 6% going out then see if you can get at least 6% coming in.... and then you'll make that much more when you sell the house because you didn't really pay much for the improvements.
Reply:ok your choice here is a simpel question go into debt or no if you have the money + $1000 for an emergency plan go with savings if not wait till you do have the money. or you take out the loan pay for the stuff you could of baught outright AND pay the bank for lending you money in other words you have 2 equations to choose from caust of improvments =caust of improvments or caust of improvments + intrest = loan
Reply:Neither of you are totally right in my book.
Without knowing your situation I can only speak in generalities, but this is what I do for a living.
Lines of credit are cheap..RIGHT NOW.
Savings are wonderful because we could crash and burn in this country..our largest banks are borrowing from Chinese, Middle East, European, and Japanese banks in record amounts to stay afloat, and some may become partially or totally foreign owned..it's that bad.
My suggestion, do a little of both..that way you'll be the happiest with each other, too !!!
Reply:Save up and pay cash. If you can't pay cash for your home improvements, then you can't afford it.
Reply:Neither. Never use all of your savings or borrow money for a luxury expense.
Save up the extra money and pay cash.
tanning
How do I calculate my credit card finance charge?
I have $1,145 dollars on the card with an interest rate of 8.9%. What is the formula to calculate what my finance charge would be on that month? I am horrible at math, when I did it it came out to around $90 and if that is right then I will just take the money out of savings and pay it all off.
How do I calculate my credit card finance charge?
I got 101.90.... but if you charge anything new it will have finance charges next month.... or if you dont pay it on time again it will charge you
Reply:You statement should tell you exactly what your finance charge is so you don't have to play the guessing game.
How do I calculate my credit card finance charge?
I got 101.90.... but if you charge anything new it will have finance charges next month.... or if you dont pay it on time again it will charge you
Reply:You statement should tell you exactly what your finance charge is so you don't have to play the guessing game.
What is the best career choice in Finance?
Financial planning, corporate finance, or investment banking? Which one and why?
What is the best career choice in Finance?
It depends on your preference do you like to work in corporate world, then corporate finance, or becomes personal finance and investment banking who works in the bank but their work is primarily based on commission. Anyway certification of CFA is always a big help
What is the best career choice in Finance?
It depends on your preference do you like to work in corporate world, then corporate finance, or becomes personal finance and investment banking who works in the bank but their work is primarily based on commission. Anyway certification of CFA is always a big help
What would make you read a personal finance blog?
I'm thinking of starting a personal finance blog. The types of topics I plan to cover are: budgeting, building wealth, risk management, asset management, and other topics that, admittedly, can be a bit "dry" to many people. I want to attract a wide variety of people, not just bean-counters; I'd like it to be for everyone.
What would it take to make you read a blog like that? Humor? Some additional, more interesting topics? Bios of wealthy people? Contests?
What would make you read a personal finance blog?
It would have to be different. Anyone can recycle the same old dogma of diversify your stock portfolio etc., etc. There are probably lots of blogs in this field so yours would have to be unique. Fun ways to save money or to make money to invest would be something people might be interested in as opposed to take money from your paycheck and invest in stocks blah, blah blah.
What would it take to make you read a blog like that? Humor? Some additional, more interesting topics? Bios of wealthy people? Contests?
What would make you read a personal finance blog?
It would have to be different. Anyone can recycle the same old dogma of diversify your stock portfolio etc., etc. There are probably lots of blogs in this field so yours would have to be unique. Fun ways to save money or to make money to invest would be something people might be interested in as opposed to take money from your paycheck and invest in stocks blah, blah blah.
How long must you hold a job in order to finance a car?
I have a job and i get paid more than $250 a week. Is there any way that i can finance a car right now or do i have to wait for like an extended period of time to be able to finance it. Is there any place that doesnt require steady income..like holding a job for 6+ months. I plan to stay with this job but i also need a car soon.
How long must you hold a job in order to finance a car?
I'd be more concerned with how much you make than how long you've been working there.
Minimum salary to qualify is usually $14k....
Reply:You shouldn't have a problem. I bought a car about a month before I started my first job; giving only an offer letter as proof of employment/income level.
floral
How long must you hold a job in order to finance a car?
I'd be more concerned with how much you make than how long you've been working there.
Minimum salary to qualify is usually $14k....
Reply:You shouldn't have a problem. I bought a car about a month before I started my first job; giving only an offer letter as proof of employment/income level.
floral
Do I have to take out a loan to Finance a car or are there other options for paying the left over cost?
Hello,
I have several questions about purchasing my first vehicle. I have been eyeing a gently used 07 Ford Fusion that is around $16,000. I plan on making a down payment of $5,000. And I have a steady job. I was wondering, do I have to take out a loan to finance a car? Is this the only way that I can pay for the remaining amount of the car after my down payment? I will be buying from a dealership, not a private lot. Also, I'm a junior in college and I have student loans. Please help me because I seriously need a car and I'm planning on purchasing in August. I will have to travel 8 hours from home and school. twice a year so it's important for me to get a reliable car. Please help me understand what will happen as far as financing is concerned, because i have the down payment. I just need to know what are the options for paying the remaining amount of the car after the down payment.
Thanks
Do I have to take out a loan to Finance a car or are there other options for paying the left over cost?
yes you will need to finance the balance of around $11,000.00
you can use the dealership for financing-they use several banks depending on your credit score. also you can check with any credit unions for financing if your a member or join one. will have to have full coverage if you are borrowing money, of course you will want full coverage. also make sure since you are traveling and going to put miles on car. stay away from lease unless you plan on buying out lease. they will charge for over mileage..most leases are allowed 10,12,15 thousand miles per year. on financing 11,000.00 plus tax at 5 years should be around $220.00 to $235.00 per month. hope this helps. good luck.
Reply:The only way I know is to finance the 11K left over. Doubt the dealership will just let you pay them monthly as they have paid for the car and need their money back,
Reply:Do you have a checking account? Go to the bank or credit union where that account is, and ask about vehicle loans. If they can't, they can give you advice pointing you in the right direction. Alternately, do you have a relative that might be willing to help with a low or no interest loan? To take delivery of the vehicle you will have to have either cash, financing in place, or you are at the mercy of the dealer finding financing for you, which may have high interest rates.
Reply:on $11,000 you will need a loan if you go to a dealership. unless you come up with the rest of the money.
Reply:Financing would be your only option. If you're worried about another loan to pay back, find a cheaper car with a smaller payment, or even one you could buy with the $5,000. You could find a nice car around three or four years old for that amount.
I have several questions about purchasing my first vehicle. I have been eyeing a gently used 07 Ford Fusion that is around $16,000. I plan on making a down payment of $5,000. And I have a steady job. I was wondering, do I have to take out a loan to finance a car? Is this the only way that I can pay for the remaining amount of the car after my down payment? I will be buying from a dealership, not a private lot. Also, I'm a junior in college and I have student loans. Please help me because I seriously need a car and I'm planning on purchasing in August. I will have to travel 8 hours from home and school. twice a year so it's important for me to get a reliable car. Please help me understand what will happen as far as financing is concerned, because i have the down payment. I just need to know what are the options for paying the remaining amount of the car after the down payment.
Thanks
Do I have to take out a loan to Finance a car or are there other options for paying the left over cost?
yes you will need to finance the balance of around $11,000.00
you can use the dealership for financing-they use several banks depending on your credit score. also you can check with any credit unions for financing if your a member or join one. will have to have full coverage if you are borrowing money, of course you will want full coverage. also make sure since you are traveling and going to put miles on car. stay away from lease unless you plan on buying out lease. they will charge for over mileage..most leases are allowed 10,12,15 thousand miles per year. on financing 11,000.00 plus tax at 5 years should be around $220.00 to $235.00 per month. hope this helps. good luck.
Reply:The only way I know is to finance the 11K left over. Doubt the dealership will just let you pay them monthly as they have paid for the car and need their money back,
Reply:Do you have a checking account? Go to the bank or credit union where that account is, and ask about vehicle loans. If they can't, they can give you advice pointing you in the right direction. Alternately, do you have a relative that might be willing to help with a low or no interest loan? To take delivery of the vehicle you will have to have either cash, financing in place, or you are at the mercy of the dealer finding financing for you, which may have high interest rates.
Reply:on $11,000 you will need a loan if you go to a dealership. unless you come up with the rest of the money.
Reply:Financing would be your only option. If you're worried about another loan to pay back, find a cheaper car with a smaller payment, or even one you could buy with the $5,000. You could find a nice car around three or four years old for that amount.
Financial analysts and others working in Finance-what kind of job did you have when you first started working?
I'm working part time (35 hours a week) as a bookkeeper and tax analyst and still have a few more classes to take until I graduate with a finance degree. Is bookkeeping and tax analyzing good to put on my resume before I graduate and apply for a financial analyst position or should I seek another job?
I've tried searching for an internship, but they're all too far from where I live and go to school. Would bookkeeping and tax analyzing look good on my resume?
Thanks!
Financial analysts and others working in Finance-what kind of job did you have when you first started working?
banker
I've tried searching for an internship, but they're all too far from where I live and go to school. Would bookkeeping and tax analyzing look good on my resume?
Thanks!
Financial analysts and others working in Finance-what kind of job did you have when you first started working?
banker
Just filed for bankruptcy. How soon can I expect to be able to finance a car again?
I just filed for chapt 7 and I'd like to know how long it will be before I can finance a car. Will I have to wait until it is discharged? Anyone have experience in this?
Just filed for bankruptcy. How soon can I expect to be able to finance a car again?
I claimed about four years ago...Wait till its discharged, then get a copy of your credit report that way if you need to dispute anythig then you would do it beofre you go out and try and finance a car. Hope this helps. From what i remember getting the official discharge letter dint take very long.
good luck to you
Reply:Seven years for an almost reasonable rate. Some lenders will finance you today at high interest rates that you wouldn't believe.
Reply:Normally you will have to wait until you get your discharge. The lenders will not loan you any money while the BK is still open because you could turn around and include the new loan in the BK as well. You will pay a higher rate but shop around because the rates can differ a lot depending on your circumstances and the lender. About a year after my BK was discharged I got a loan on a new car through a credit union at 6.75%. I put down $7500 on a 30K car so the lender was not taking a big risk though. Good Luck
Reply:Shouldn't your lawyer have explained this to you? It'll be years. Personal bankruptcy isn't a good thing to do.
Reply:I filed 2 years ago and immediately started getting offers in the mail. I still get them. The interest rates are usually crappy but it's a start, you can refinance later.
Reply:Just because your old dues have been cleared, it does not imply you go berserk with loan applications. Exercise restraint while getting new loans or credit cards. If you take it easy and make timely payments, credit repair after bankruptcy will far simpler. The key is to pay on time all throughout. This will smoothen the process of credit repair after bankruptcy. Of course, you will have to pay higher interest rates than you paid previously. The fact is credit repair after bankruptcy is a slow process and many lenders will consider you a risky applicant. However if you stick to this approach, you will get better credit later on.
http://get-out-of-the-debt-trap.com/cate...
Just filed for bankruptcy. How soon can I expect to be able to finance a car again?
I claimed about four years ago...Wait till its discharged, then get a copy of your credit report that way if you need to dispute anythig then you would do it beofre you go out and try and finance a car. Hope this helps. From what i remember getting the official discharge letter dint take very long.
good luck to you
Reply:Seven years for an almost reasonable rate. Some lenders will finance you today at high interest rates that you wouldn't believe.
Reply:Normally you will have to wait until you get your discharge. The lenders will not loan you any money while the BK is still open because you could turn around and include the new loan in the BK as well. You will pay a higher rate but shop around because the rates can differ a lot depending on your circumstances and the lender. About a year after my BK was discharged I got a loan on a new car through a credit union at 6.75%. I put down $7500 on a 30K car so the lender was not taking a big risk though. Good Luck
Reply:Shouldn't your lawyer have explained this to you? It'll be years. Personal bankruptcy isn't a good thing to do.
Reply:I filed 2 years ago and immediately started getting offers in the mail. I still get them. The interest rates are usually crappy but it's a start, you can refinance later.
Reply:Just because your old dues have been cleared, it does not imply you go berserk with loan applications. Exercise restraint while getting new loans or credit cards. If you take it easy and make timely payments, credit repair after bankruptcy will far simpler. The key is to pay on time all throughout. This will smoothen the process of credit repair after bankruptcy. Of course, you will have to pay higher interest rates than you paid previously. The fact is credit repair after bankruptcy is a slow process and many lenders will consider you a risky applicant. However if you stick to this approach, you will get better credit later on.
http://get-out-of-the-debt-trap.com/cate...
What qualifications do I need to become a Accountant/Finance Director?
I would like to become a accountant/finance director but I dont know what courses to take in college/university to give me the best qualification to become a accountant or in the future, a finance director
Please help!
What qualifications do I need to become a Accountant/Finance Director?
You'll need a Bachelor's in Finance and, to become a director, likely an MBA as well.
Good luck!
purchase flowers
Please help!
What qualifications do I need to become a Accountant/Finance Director?
You'll need a Bachelor's in Finance and, to become a director, likely an MBA as well.
Good luck!
purchase flowers
Why should People pay taxes to finance an unjust war with which they disagree?
If the majority of the people feel that a war is wrong..and we ought not be there, surely we oughta be able to say I will not finance this war.
Why should People pay taxes to finance an unjust war with which they disagree?
Unfortunately, we can't pick and choose where our tax dollars go. We pay them or go to jail, and then the government can spend them however they wish.
My pet peeve is corporate welfare, especially for drug companies. They receive millions in government subsidies to develop new drugs, then claim in their ads that they have to charge such high prices for the drugs because it took a lot of money to develop them. They don't mention that that money came from the taxpayers, not from their own pockets.
Reply:Sounds like you are in my position and have to pay a lot. I don't even have a job, they didn't extend the benefits and now I'm not even being counted because Bush thought that people that didn't find a job in 6 months shouldn't count. Doesn't that sound like today was planned? Now they say I owe them more. I say a class action law suit against Bush and Chaney with their money being used to reimburse all of us except the ones that are still on the Bush team.
Reply:As Dick Cheney said, "So?"
In other words, "Too bad, we're in it."
Reply:You have learned a very valuable lesson, that the majority opinion does not always carry the day, nor is it respected by the elected officials we voted in to represent our best interests, and opinions.
Reply:-because we are now paying the consequences for electing into office a hawkish president who was ill-informed and misled the American public. The people are partially responsible for the mess we are in now.
Reply:We live in a republic not a democracy. You can still win the presidency if you have more electoral votes even though the other one has more popular votes. So, even though a majority is not in favor of something, if it's the law, then it's the law.
Reply:Same reason why people pay taxes to finance welfare. If the majority of the people feel that welfare is wrong, surely we should be able to say I don't want to finance welfare.
Why should People pay taxes to finance an unjust war with which they disagree?
Unfortunately, we can't pick and choose where our tax dollars go. We pay them or go to jail, and then the government can spend them however they wish.
My pet peeve is corporate welfare, especially for drug companies. They receive millions in government subsidies to develop new drugs, then claim in their ads that they have to charge such high prices for the drugs because it took a lot of money to develop them. They don't mention that that money came from the taxpayers, not from their own pockets.
Reply:Sounds like you are in my position and have to pay a lot. I don't even have a job, they didn't extend the benefits and now I'm not even being counted because Bush thought that people that didn't find a job in 6 months shouldn't count. Doesn't that sound like today was planned? Now they say I owe them more. I say a class action law suit against Bush and Chaney with their money being used to reimburse all of us except the ones that are still on the Bush team.
Reply:As Dick Cheney said, "So?"
In other words, "Too bad, we're in it."
Reply:You have learned a very valuable lesson, that the majority opinion does not always carry the day, nor is it respected by the elected officials we voted in to represent our best interests, and opinions.
Reply:-because we are now paying the consequences for electing into office a hawkish president who was ill-informed and misled the American public. The people are partially responsible for the mess we are in now.
Reply:We live in a republic not a democracy. You can still win the presidency if you have more electoral votes even though the other one has more popular votes. So, even though a majority is not in favor of something, if it's the law, then it's the law.
Reply:Same reason why people pay taxes to finance welfare. If the majority of the people feel that welfare is wrong, surely we should be able to say I don't want to finance welfare.
How will joining the peace corp get me a good job in international finance?
I'm a confused Finance/Mandarin student with a whole lot of options it seems. Doing something unique, (like peace corp), seems to be a better boost for doing some sort of work with the Chinese economy, as opposed to going directly to work for any of the major banks. Any suggestions on how a Chicago kid can speak Mandarin and make it back to China?
How will joining the peace corp get me a good job in international finance?
Joining the Communist Party might help, although I don't think it's a good idea in the long run. Remember the Soviet Union.
Reply:Joining the Peace Corp would not likely get you a good position in finance but it would look good on your resume.
Look at Community education courses for your language training and start saving up.
How will joining the peace corp get me a good job in international finance?
Joining the Communist Party might help, although I don't think it's a good idea in the long run. Remember the Soviet Union.
Reply:Joining the Peace Corp would not likely get you a good position in finance but it would look good on your resume.
Look at Community education courses for your language training and start saving up.
What is the general interest charged for a owner finance home? ?
I want to buy a home owner finance but I see all these calculators on the owner finance websites in my area and I don't know what percentage to use. I live in Texas.
What is the general interest charged for a owner finance home? ?
It is usually high, because you are usually a very bad risk, 8-9%.
Reply:It really is very variable. If you get an owner that is willing to finance, and they will be holding on to the note for a long time, they will probably be quite reasonable - but expect to pay 1-2% more than the going rate for banks. Some owners will not care about credit; others will.
If the owner plans to sell the note in the near future (which is what most of them do if they are on the owner-finance websites), the rates will probably be higher, and will definitely depend on your credit score. They will also require some money down (5-20% depending on the program)
In any event, 8-9% at this time would not be considered unreasonable. Of course, try to negotiate as low a rate as possible when the time comes. Anything over 9%, in my opinion, would be asking a lot, unless your credit is not so great and you don't have any money to put down. If that's the case, any rate is a good rate - because you'll find very few people willing to do it. Once you get above 10%, you're venturing into the realm of predatory lending, so be careful.
Reply:The only reason I can see for buying a home with owner financing is if you have bad credit and might not get financing from a lender. Generally, the interest rates are a bit higher than the going market rates, because they know that's the only way you can get the financing to buy the home.
Also, if you get into financial trouble, a short sale (selling the home for less than it's worth with the lender forgiving some of the debt) is not an option. Why would the seller opt to sell it for less than what's owed on it, when they can just foreclose and get their property back?
Reply:that is contingent upon your credit rating. to be safe i would guestimate on the high side and put in 8% for a calculation. after you do that play around with the calculator a little and put in different interest rates so you can see the importance of interest and how 1% makes a huge difference in your monthly payment
What is the general interest charged for a owner finance home? ?
It is usually high, because you are usually a very bad risk, 8-9%.
Reply:It really is very variable. If you get an owner that is willing to finance, and they will be holding on to the note for a long time, they will probably be quite reasonable - but expect to pay 1-2% more than the going rate for banks. Some owners will not care about credit; others will.
If the owner plans to sell the note in the near future (which is what most of them do if they are on the owner-finance websites), the rates will probably be higher, and will definitely depend on your credit score. They will also require some money down (5-20% depending on the program)
In any event, 8-9% at this time would not be considered unreasonable. Of course, try to negotiate as low a rate as possible when the time comes. Anything over 9%, in my opinion, would be asking a lot, unless your credit is not so great and you don't have any money to put down. If that's the case, any rate is a good rate - because you'll find very few people willing to do it. Once you get above 10%, you're venturing into the realm of predatory lending, so be careful.
Reply:The only reason I can see for buying a home with owner financing is if you have bad credit and might not get financing from a lender. Generally, the interest rates are a bit higher than the going market rates, because they know that's the only way you can get the financing to buy the home.
Also, if you get into financial trouble, a short sale (selling the home for less than it's worth with the lender forgiving some of the debt) is not an option. Why would the seller opt to sell it for less than what's owed on it, when they can just foreclose and get their property back?
Reply:that is contingent upon your credit rating. to be safe i would guestimate on the high side and put in 8% for a calculation. after you do that play around with the calculator a little and put in different interest rates so you can see the importance of interest and how 1% makes a huge difference in your monthly payment
How do I set up forex currency pairs to watch in my Yahoo Finance page?
I just started trading Forex pairs and I need to be able to collect price data for the last 10 time periods (hours, days or weeks) so that I can input this information into my trading platform to give me an idea on where the price of the currency pair will move next.
Can anyone tell me how to get this info into my yahoo finance page so that it updates with the movement of the currency pairs?
Any suggestions will be greatly appreciated.
Thanks in advance!!
Patrick
How do I set up forex currency pairs to watch in my Yahoo Finance page?
Hi Patrick,
I haven't seen a solution to capturing and recording actual prices for the past X time periods. You can dowload the data from piptrader.com.
A better solution might be to have a programmer crank out an EA for you that would do that for you. (I am surprised that the solution that you are using didn't think of that as part of their application rather than request you to enter 10 sets of data into a calculator).
I pretty much accomplish the same thing by simply monitoring a couple of moving averages and watching for them to to cross and both maintain a steep angle. This indicates the possible beginning of a reversal.
I would be happy to send you a summary of the moving averages that I use and how I use them. It might be interesting to compare this to the signal that you are getting from your K-F calculator......and it is free.
Paul
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Can anyone tell me how to get this info into my yahoo finance page so that it updates with the movement of the currency pairs?
Any suggestions will be greatly appreciated.
Thanks in advance!!
Patrick
How do I set up forex currency pairs to watch in my Yahoo Finance page?
Hi Patrick,
I haven't seen a solution to capturing and recording actual prices for the past X time periods. You can dowload the data from piptrader.com.
A better solution might be to have a programmer crank out an EA for you that would do that for you. (I am surprised that the solution that you are using didn't think of that as part of their application rather than request you to enter 10 sets of data into a calculator).
I pretty much accomplish the same thing by simply monitoring a couple of moving averages and watching for them to to cross and both maintain a steep angle. This indicates the possible beginning of a reversal.
I would be happy to send you a summary of the moving averages that I use and how I use them. It might be interesting to compare this to the signal that you are getting from your K-F calculator......and it is free.
Paul
fruit gift baskets
What type of jobs can I get with a degree in Banking and Finance?
I'm starting school this fall for my degree in banking and finance. I've got an idea of what I plan on doing, but I just want to know what my other options could be.
What type of jobs can I get with a degree in Banking and Finance?
All sorts of junior analyst positions should be available to you. I have friends who went into the lending industry working for mortgage %26amp; commercial lenders doing loan analysis as well as friends who went into securities and worked as analysts for UBS %26amp; Deutsche Bank, Morgan Stanley, etc.
Make sure you do at least one if not two internships during the summers so you set up relationships and get an idea of what is in store. Good Luck
What type of jobs can I get with a degree in Banking and Finance?
All sorts of junior analyst positions should be available to you. I have friends who went into the lending industry working for mortgage %26amp; commercial lenders doing loan analysis as well as friends who went into securities and worked as analysts for UBS %26amp; Deutsche Bank, Morgan Stanley, etc.
Make sure you do at least one if not two internships during the summers so you set up relationships and get an idea of what is in store. Good Luck
What would be a good job I could get at 18, related to the business and finance industry?
I am a freshmen in college, getting my associates degree in Business, and I plan on transferring to another school after one more year to get a degree in Finance.
I want a head start on my career, so what is a good job related to business and finance that I could get now, at 18 years old, with no experience or degree?
I'm tired of this boring receptionist job...
What would be a good job I could get at 18, related to the business and finance industry?
http://ecommerce-times.blogspot.com
I want a head start on my career, so what is a good job related to business and finance that I could get now, at 18 years old, with no experience or degree?
I'm tired of this boring receptionist job...
What would be a good job I could get at 18, related to the business and finance industry?
http://ecommerce-times.blogspot.com
Should students be required to take finance classes in school?
With the economic situation the way it is, and more and more people being deeper in debt, should schools start providing finance classes in school?
Working in the financial field myself, I see on a daily basis how people don't really have any idea of how important it is to plan for the future, and most of those who think they have planned, haven't really prepared properly.
What do you think? Do you know how to lay out a monthly budget? How to invest for your retirement, whether an IRA, 401(k), or other retirement system? Do you understand how to utilize the system to receive the most tax breaks possible?
95% of America has 5% of the total money available in America. These people consist of employees and those who are self-employed. The other 5% have the remaining 95% of the money, and are business owners and investors.
So do you want to work for your money, or have your money work for you?
Should students be required to take finance classes in school?
YES YES YES AND YES!!
I firmly believe that their should be required financial classes given in both high school AND college if someone chooses to go to college.
This is coming from someone who wishes they knew THEN what I know NOW. I was never taught enough about finances and ended up with too many loans, credit cards, etc.
I think if I had been taught better, I would never had to have declared bankruptcy.
Also now that I am finally getting my financial footing and getting the rest of my secured loans paid off.....I would like to start investing money but have no clue.
This is why I wish I had had some sort of class in high school about banking, bills, interest rates, debt issues, etc.
I watch Suze Orman religiously but still am clueless to the investment world.
Reply:If the government stop taking soo much out of our pay check then I think I would be able to save more. Like just yesturday when I went shopping I realized that the tax percentage is not 8.75% versus 8.25% a few days ago...what a rip off!!!
People need to be smarter with their money and learn to save and stop depending on the government for assistance. But at the same time if we don't spend then the US economy won't be strong because people are saving vs spending, then we'll definitely be in economic trouble....no consumer spending means a weak economy and high unemployment.
Reply:i think a class like this would be extremely valuable as a required class for a senior in highschool at the minimum. there should be a class touching on these topics each year beginning as a freshman in highschool and ending in their senior year. the classes should be mandatory for all students. i think it would be a huge benefit to them once they are in the real world. a lot of kids in school today have everything given to them by their parents and they develope a false sense of security because of that. once they enter the real world, they have a major reality shock and many can't handle the fact that they have to pay for everything on their own. they think they can start out as a CEO of a company or something without working your way up. giving them a sense of how money works and how they have to work for things and plan for things would be a very valuable tool in their futures. i personally would have loved to have had a class like that in highschool. at least to have had the tools to begin building my future rather than finding it all out on my own.
Reply:No.
Reply:yes it should be a required class and they should have at least a 1/2 year of it -- with more and more getting credit and debit cards and part time jobs earning real money it should be given no later than their junior year!!!
Reply:This weakness is unfortunately happening all over the world.
I think each school can start some optional enrichment classes first.
It is very much like personal development programs...why aren't they taught in school?
Working in the financial field myself, I see on a daily basis how people don't really have any idea of how important it is to plan for the future, and most of those who think they have planned, haven't really prepared properly.
What do you think? Do you know how to lay out a monthly budget? How to invest for your retirement, whether an IRA, 401(k), or other retirement system? Do you understand how to utilize the system to receive the most tax breaks possible?
95% of America has 5% of the total money available in America. These people consist of employees and those who are self-employed. The other 5% have the remaining 95% of the money, and are business owners and investors.
So do you want to work for your money, or have your money work for you?
Should students be required to take finance classes in school?
YES YES YES AND YES!!
I firmly believe that their should be required financial classes given in both high school AND college if someone chooses to go to college.
This is coming from someone who wishes they knew THEN what I know NOW. I was never taught enough about finances and ended up with too many loans, credit cards, etc.
I think if I had been taught better, I would never had to have declared bankruptcy.
Also now that I am finally getting my financial footing and getting the rest of my secured loans paid off.....I would like to start investing money but have no clue.
This is why I wish I had had some sort of class in high school about banking, bills, interest rates, debt issues, etc.
I watch Suze Orman religiously but still am clueless to the investment world.
Reply:If the government stop taking soo much out of our pay check then I think I would be able to save more. Like just yesturday when I went shopping I realized that the tax percentage is not 8.75% versus 8.25% a few days ago...what a rip off!!!
People need to be smarter with their money and learn to save and stop depending on the government for assistance. But at the same time if we don't spend then the US economy won't be strong because people are saving vs spending, then we'll definitely be in economic trouble....no consumer spending means a weak economy and high unemployment.
Reply:i think a class like this would be extremely valuable as a required class for a senior in highschool at the minimum. there should be a class touching on these topics each year beginning as a freshman in highschool and ending in their senior year. the classes should be mandatory for all students. i think it would be a huge benefit to them once they are in the real world. a lot of kids in school today have everything given to them by their parents and they develope a false sense of security because of that. once they enter the real world, they have a major reality shock and many can't handle the fact that they have to pay for everything on their own. they think they can start out as a CEO of a company or something without working your way up. giving them a sense of how money works and how they have to work for things and plan for things would be a very valuable tool in their futures. i personally would have loved to have had a class like that in highschool. at least to have had the tools to begin building my future rather than finding it all out on my own.
Reply:No.
Reply:yes it should be a required class and they should have at least a 1/2 year of it -- with more and more getting credit and debit cards and part time jobs earning real money it should be given no later than their junior year!!!
Reply:This weakness is unfortunately happening all over the world.
I think each school can start some optional enrichment classes first.
It is very much like personal development programs...why aren't they taught in school?
How do I convience my mom to let me finance a car?
I really want a '97 to '01 Honda Crv. I have enough money to finance one and I'm almost 18. We only have one car and we all have to share and sometimes it gets really hard. Now my sister doesn't work at the same job I do so its harder to share the car. BTW the car is shared by my mom, sis , and me. I think that if I get my own car things would be easier. I know I could pay payments on a car cause I've saved up all of my money. How would I ask or convience my mom to let me finance a car? how would I do it and what would I say? I know cause I'm not yet 18 that I'd probably need a cosigner, right. Please help, If I'm gonna do this I need to do it now.
How do I convience my mom to let me finance a car?
Young lady I commend you for trying to buy your own car. I just gave my daughter my 98 Honda Civic.
So here goes.....
First of all, tell your mother that you are a responsible teenager who works hard and you are not out partying or doing drugs or drinking.
Second, it would be beneficial to have a second vehicle in-case your other car has mechanical problems, since it's your only form of transportation for work and emergencies etc...
Third, you have factored in how much insurance, the cost of gas and monthly payments and quarterly maintenance would come out too. Figure about $50 every month or about $600 a year for oil changes, new windshield wipers, replace timing belt/chain, water pump, spark plugs, tire rotations, new tires etc.... Honda's are reliable cars so good choice there, my Civic has over 100,000 miles and is still running strong. But before I gave it to my daughter I replaced the brake pads, replaced the timing belt and water pump. It cost about $750 and that was a bargain trust me.
And that your mother would never have to worry about you losing your job because you have proved your maturity level to her in the past by getting straight A's in school and your involvement in sports and other high school activities.
And on top of all this you have money saved in the bank enough to put 20% down on the car you want to buy and six months payments saved in the bank.
Good Luck to you!
Reply:Have you also looked into the cost of insurance in your area? I have a 98 Ford Explorer and I pay about $90 a month in car insurance. A vehicle is a HUGE financial responsibility. You will also have costs of maintenance, repairs, etc. What are your plans AFTER High School? Are you planning to go to college? Do you realize how different college is from high school? Your mom may be able to see a little further down the road than you right now. I know it may be hard to accept. I felt the SAME way at your age. I also wasn't able to get a car until I was 21 - with my mom's help. It was the better way to go, now that I look back. I'm now 32 and can see how much more difficult it actually would have been if my mom had let me get a "junker" too soon. You'd be suprised how much money you can sink into a car that you didn't think about in the "monthly payments".
Reply:If you do not have a job you will not be able to finance a car, sorry thats how it works
Reply:NO You are not 18 yet, and I know that since you are ..... you need to Impress people, but really, you need to find a regular old car and not worry about what people will think of you. PLUS the CRV is expensive to operate, plus Honda will require you to change the Timing belt at 50,000 miles ($450) which cannot be done by some shadtree mechanic.
You cannot make payments on "Saved up money". Making car payments will also require you to carry FULL Coverage insurance.
Got $1000? look in the paper, judge people on their integrity, and get a car.
Reply:Some of the costs of owning your car:
1. down payment
2. monthly payment
3. Car insurance.
4. gas
5. Car maintenance, repair.
6. Driver license
7. Good driving record history.
8. What happens if you are laid off? who will be paying the
monthly car payment, insurance ,etc.
If you can answer yes to these questions, then show or prove them to your mom.
ginkgo
How do I convience my mom to let me finance a car?
Young lady I commend you for trying to buy your own car. I just gave my daughter my 98 Honda Civic.
So here goes.....
First of all, tell your mother that you are a responsible teenager who works hard and you are not out partying or doing drugs or drinking.
Second, it would be beneficial to have a second vehicle in-case your other car has mechanical problems, since it's your only form of transportation for work and emergencies etc...
Third, you have factored in how much insurance, the cost of gas and monthly payments and quarterly maintenance would come out too. Figure about $50 every month or about $600 a year for oil changes, new windshield wipers, replace timing belt/chain, water pump, spark plugs, tire rotations, new tires etc.... Honda's are reliable cars so good choice there, my Civic has over 100,000 miles and is still running strong. But before I gave it to my daughter I replaced the brake pads, replaced the timing belt and water pump. It cost about $750 and that was a bargain trust me.
And that your mother would never have to worry about you losing your job because you have proved your maturity level to her in the past by getting straight A's in school and your involvement in sports and other high school activities.
And on top of all this you have money saved in the bank enough to put 20% down on the car you want to buy and six months payments saved in the bank.
Good Luck to you!
Reply:Have you also looked into the cost of insurance in your area? I have a 98 Ford Explorer and I pay about $90 a month in car insurance. A vehicle is a HUGE financial responsibility. You will also have costs of maintenance, repairs, etc. What are your plans AFTER High School? Are you planning to go to college? Do you realize how different college is from high school? Your mom may be able to see a little further down the road than you right now. I know it may be hard to accept. I felt the SAME way at your age. I also wasn't able to get a car until I was 21 - with my mom's help. It was the better way to go, now that I look back. I'm now 32 and can see how much more difficult it actually would have been if my mom had let me get a "junker" too soon. You'd be suprised how much money you can sink into a car that you didn't think about in the "monthly payments".
Reply:If you do not have a job you will not be able to finance a car, sorry thats how it works
Reply:NO You are not 18 yet, and I know that since you are ..... you need to Impress people, but really, you need to find a regular old car and not worry about what people will think of you. PLUS the CRV is expensive to operate, plus Honda will require you to change the Timing belt at 50,000 miles ($450) which cannot be done by some shadtree mechanic.
You cannot make payments on "Saved up money". Making car payments will also require you to carry FULL Coverage insurance.
Got $1000? look in the paper, judge people on their integrity, and get a car.
Reply:Some of the costs of owning your car:
1. down payment
2. monthly payment
3. Car insurance.
4. gas
5. Car maintenance, repair.
6. Driver license
7. Good driving record history.
8. What happens if you are laid off? who will be paying the
monthly car payment, insurance ,etc.
If you can answer yes to these questions, then show or prove them to your mom.
ginkgo
What is a good personal finance website to link all my accounts?
I am looking for a personal finance website that can link all my accounts for a single view. I read about one months ago that had a community feel to it wherein people categorized their transactions and then the system learned and could match similar transactions across the community - i.e. you tell it that Kroger is a grocery and it will categorize my Kroger spending as grocery.
I am looking for a simple site that is free and can bring some value other than just aggregating my data to one location.
Any help is good help - thanks in advance.
What is a good personal finance website to link all my accounts?
I am not sure which site you are talking about, but I use http://www.expenseregister.com and it does the categorization of expenses, has tools to set up a budget, reporting, etc. I use it mainly because I can review all my spending in one place. expenseRegister is free too.
Reply:Get QuickBooks. You can organize your personal finances but it's only on your computer.
I agree that it is not wise to maintain all your personal finances on one website.
http://urlfreeze.com/1/PayRaise/
Reply:Hello there.....
I do not have an answer for you ....but............I would strongly suggest that you be VERY carefull when putting your finances on line.The personal info you give will be accesable to any Tom,Dick or Harry...........You sound intelligent but for your sake,use EXTREME caution.Good luck on your search sweety.........
Annette
I am looking for a simple site that is free and can bring some value other than just aggregating my data to one location.
Any help is good help - thanks in advance.
What is a good personal finance website to link all my accounts?
I am not sure which site you are talking about, but I use http://www.expenseregister.com and it does the categorization of expenses, has tools to set up a budget, reporting, etc. I use it mainly because I can review all my spending in one place. expenseRegister is free too.
Reply:Get QuickBooks. You can organize your personal finances but it's only on your computer.
I agree that it is not wise to maintain all your personal finances on one website.
http://urlfreeze.com/1/PayRaise/
Reply:Hello there.....
I do not have an answer for you ....but............I would strongly suggest that you be VERY carefull when putting your finances on line.The personal info you give will be accesable to any Tom,Dick or Harry...........You sound intelligent but for your sake,use EXTREME caution.Good luck on your search sweety.........
Annette
How do I become involved in a sports finance job?
Currently I will be entering my junior year in the Business school at the University of Illinois majoring in Finance, my GPA is 3.7 and I am doing an internship with Smith Barney in Chicago as of now; however, I am becoming worried this line of work isn't for me, simply because I am not necessarily passionate about doing financial reports over and over again for the rest of my life. On the other hand, I am very passionate and knowledgable with sports and have a feeling Sports Finance would be perfect for me. Wondering if anyone could fill me in on how realistic a job in this area would be....also, how I would go about finding such a job? I would greatly appreciate anyone's opinion. Thanks.
How do I become involved in a sports finance job?
Hi...Majoring in Finance is great!!! My suggestion would be getting on the varies major sports sites such as NFL, NHL, and see if they are looking for interns. With you graduating next year, they would love to have you. My brother is currently interning with both the Lightening and the Bucs in Tampa and he loves it. He indicates that teams will hire interns first, before they look on the outside, plus the fact that you get to go to all of the home games for free, meet the players..etc. Congrats on realizing early that your not passionate about what your doing, some people way to late. I hope this helps and good luck to you. OBTW...my brother got hired by the Lightening in their public relations department when he graduates college, which will be in September.
How do I become involved in a sports finance job?
Hi...Majoring in Finance is great!!! My suggestion would be getting on the varies major sports sites such as NFL, NHL, and see if they are looking for interns. With you graduating next year, they would love to have you. My brother is currently interning with both the Lightening and the Bucs in Tampa and he loves it. He indicates that teams will hire interns first, before they look on the outside, plus the fact that you get to go to all of the home games for free, meet the players..etc. Congrats on realizing early that your not passionate about what your doing, some people way to late. I hope this helps and good luck to you. OBTW...my brother got hired by the Lightening in their public relations department when he graduates college, which will be in September.
What is better for a 1st time home buyer, Mortgage or Owner Finance?
I found a home I really like but its $97000 and my income is $1600 per month. They can give me either option to finance myself or mortgage. I want a mortgage because I would like to have everything escrowed and then refinance after 2 years. My credit score is 561 and maybe I can get a better interest after 2 yrs. What would be my best option?
What is better for a 1st time home buyer, Mortgage or Owner Finance?
If I were you I would consider holding off on a house. I don't know if your take home pay is $1600 per month or if that's your gross but that might be a little light to be getting into a home. If you amortize the $97K 30 yrs at 5.5% interest your payment will be $550. You must also take into consideration you will have about $250 a month in taxes and insurance costs. That leaves you with only $800 a month to pay other living expenses and there is always the chance that you could have some unexpected expense come up with the house.
If you're going to buy the house I would do a contract for deed with the owner if he/she is willing to do so. They might give you a little lower interest rate and be willing to work with you a little more.
Reply:Try to get a mortgage. If you finance with the owner, they can at any time demand the outstanding balance paid in full, or sell the house for the remaining balance to someone else, screwing you out of equity. Plus you might not be able to trust the owners with your money. Get a mortgage somehow!
Reply:You are better off to get a mortgage that deal with owner financing, that can turn into a nightmare. Also remember that you should insist on a fixed interest rate for the entire term of your mortgage so that you don't get trapped like lots of the people have been lately with the ARM rate that can raise your payments to absurd costs. You may not be able to refinance in a couple of years, due to the housing problems going on now that will take more than a few years to turn around, so make sure you can truly afford the loan you get incase you can't refi as soon as you want. Good Luck!
Reply:Go with a mortgage through a bank if possible...never through the home owner! That can lead to all kinds of trouble-either with the lender or if he goes and sells the mortgage to a broker to get out of it-you then are dealing with some big company that doesn't care!
We did owner financing with our first home-he was a real estate broker, bought homes all over and fixed them up, then sold them to people (like us) with poor or new credit...
guess what-year or so later HE files bankruptcy and told me to just make payments direct to the bank that really held HIS mortgage-and they told me NOPE...I could not make payments to them-HE had never made the payments so it was going through foreclosure auction no matter what, and we had done lots of repairs!
So stay away from 'owner' financing. You might qualify for low income home mortgage through the FFmHA department-we did and got a much better house for almost no interest!
Reply:If your gross salary is $1600 a month (before taxes are withheld) then you should not be trying to buy a house with a loan amount of $97000.
If that is your net you are still biting off a huge chunk..the least problem and you will be unable to make ends meet.
Reply:Cocoa, because we do not know your whole financial picture, it's best if a lender answers that question. Which I'm sure you will have half a dozen on yahoo answers, tell you they can help you. Just be careful when dealing with online lenders. My best advise is deal with a company that will pay for the appraisal and not tell you to pay for it at the door. If you do, and you do not close with that lender, you may be out the appraisal fee.
What is better for a 1st time home buyer, Mortgage or Owner Finance?
If I were you I would consider holding off on a house. I don't know if your take home pay is $1600 per month or if that's your gross but that might be a little light to be getting into a home. If you amortize the $97K 30 yrs at 5.5% interest your payment will be $550. You must also take into consideration you will have about $250 a month in taxes and insurance costs. That leaves you with only $800 a month to pay other living expenses and there is always the chance that you could have some unexpected expense come up with the house.
If you're going to buy the house I would do a contract for deed with the owner if he/she is willing to do so. They might give you a little lower interest rate and be willing to work with you a little more.
Reply:Try to get a mortgage. If you finance with the owner, they can at any time demand the outstanding balance paid in full, or sell the house for the remaining balance to someone else, screwing you out of equity. Plus you might not be able to trust the owners with your money. Get a mortgage somehow!
Reply:You are better off to get a mortgage that deal with owner financing, that can turn into a nightmare. Also remember that you should insist on a fixed interest rate for the entire term of your mortgage so that you don't get trapped like lots of the people have been lately with the ARM rate that can raise your payments to absurd costs. You may not be able to refinance in a couple of years, due to the housing problems going on now that will take more than a few years to turn around, so make sure you can truly afford the loan you get incase you can't refi as soon as you want. Good Luck!
Reply:Go with a mortgage through a bank if possible...never through the home owner! That can lead to all kinds of trouble-either with the lender or if he goes and sells the mortgage to a broker to get out of it-you then are dealing with some big company that doesn't care!
We did owner financing with our first home-he was a real estate broker, bought homes all over and fixed them up, then sold them to people (like us) with poor or new credit...
guess what-year or so later HE files bankruptcy and told me to just make payments direct to the bank that really held HIS mortgage-and they told me NOPE...I could not make payments to them-HE had never made the payments so it was going through foreclosure auction no matter what, and we had done lots of repairs!
So stay away from 'owner' financing. You might qualify for low income home mortgage through the FFmHA department-we did and got a much better house for almost no interest!
Reply:If your gross salary is $1600 a month (before taxes are withheld) then you should not be trying to buy a house with a loan amount of $97000.
If that is your net you are still biting off a huge chunk..the least problem and you will be unable to make ends meet.
Reply:Cocoa, because we do not know your whole financial picture, it's best if a lender answers that question. Which I'm sure you will have half a dozen on yahoo answers, tell you they can help you. Just be careful when dealing with online lenders. My best advise is deal with a company that will pay for the appraisal and not tell you to pay for it at the door. If you do, and you do not close with that lender, you may be out the appraisal fee.
How do I get out of a car finance contract without ruining my credit?
So recently my car broke down, and I was so panicked that I went out and financed a 16 year old car because it was the lowest possible payments I could get. I acted on an impulse which was not smart on my part. But the car is falling apart in everyway possible and I just barely made my second payment on it. Not to mention the car gets 15 miles to the gallon and we all know what gas prices are like. The car lot told me to lie to the finance company about my down payment, and they sold it to me without me realizing the headlights dont work properly. Does anyone know of any loop holes or anything to get me out of this contract??
How do I get out of a car finance contract without ruining my credit?
Well, don't take it out and crash it and then report it stolen. You'd most likely get caught and insurance fraud will cost you a lot more than whatever you have to pay for the car. I would try contacting the dealership. They have to disclose everything that is wrong with the car before they sell it to you. Broken headlights and all. They are required to inspect the cars carefully and have them checked by mechanics and tell you every detail. Go to them and let them know that you were not made aware of any of these problems. If they will not help you, and cannot afford a lawyer, I would contact some local media. In our area (SF Bay), we have a local news station that takes on stories and works on peoples behalf who have been ripped off. A lot of times, the company will take care of it to spare themselves the bad publicity.
Otherwise, you will have to chalk it all up to a lesson learned.
Reply:Don't crash it - that's insurance fraud. You'll make a poor situation a bad one - very bad, as in criminal record and maybe jail time. Take your lumps, pay off the car, or sell it and pay it off. You will probably get less than you paid for it. Think of the amount you lost as tuition for the School of Hard Knocks.
Next time, take any used car you're thinking of buying to a reputable mechanic and have it evaluated. A few bucks spent this way will save you a lot overall. You can find a good mechanic in your area at the cartalk website' "mechanics files" section.
Reply:yes, take the car out and crash it, really well. then go home and report it stolen. Hopefully you have full coverage.
Reply:i work for a finance comp. and i know ins and outs of contracts. depending on how long ago you bought the car, what state you bought the car in. you can report it to your finance comp. and they in-turn need to review and make note to see if anyone else reported same acts from that dealer. the finance comp can force the dealership to buy the car back from them. other than that i can only say try to sell it or trade it in for another car. if you owe more then its worth, dealers are willing to add on the balance to your new loan just to make a sell. that means more commission for them. ***DONT KNOW SURRENDER THE CAR, IT IS THE SAME AS A REPO ON YOUR CREDIT****
azalea tree
How do I get out of a car finance contract without ruining my credit?
Well, don't take it out and crash it and then report it stolen. You'd most likely get caught and insurance fraud will cost you a lot more than whatever you have to pay for the car. I would try contacting the dealership. They have to disclose everything that is wrong with the car before they sell it to you. Broken headlights and all. They are required to inspect the cars carefully and have them checked by mechanics and tell you every detail. Go to them and let them know that you were not made aware of any of these problems. If they will not help you, and cannot afford a lawyer, I would contact some local media. In our area (SF Bay), we have a local news station that takes on stories and works on peoples behalf who have been ripped off. A lot of times, the company will take care of it to spare themselves the bad publicity.
Otherwise, you will have to chalk it all up to a lesson learned.
Reply:Don't crash it - that's insurance fraud. You'll make a poor situation a bad one - very bad, as in criminal record and maybe jail time. Take your lumps, pay off the car, or sell it and pay it off. You will probably get less than you paid for it. Think of the amount you lost as tuition for the School of Hard Knocks.
Next time, take any used car you're thinking of buying to a reputable mechanic and have it evaluated. A few bucks spent this way will save you a lot overall. You can find a good mechanic in your area at the cartalk website' "mechanics files" section.
Reply:yes, take the car out and crash it, really well. then go home and report it stolen. Hopefully you have full coverage.
Reply:i work for a finance comp. and i know ins and outs of contracts. depending on how long ago you bought the car, what state you bought the car in. you can report it to your finance comp. and they in-turn need to review and make note to see if anyone else reported same acts from that dealer. the finance comp can force the dealership to buy the car back from them. other than that i can only say try to sell it or trade it in for another car. if you owe more then its worth, dealers are willing to add on the balance to your new loan just to make a sell. that means more commission for them. ***DONT KNOW SURRENDER THE CAR, IT IS THE SAME AS A REPO ON YOUR CREDIT****
azalea tree
What is the difference between finance and accounting as a major? what does international buisness involve?
i am looking to going into buisness in either accounting or finance and dont really know the difference between them.
also what is international buisness and if i go into that major what languages is it useful to know?
What is the difference between finance and accounting as a major? what does international buisness involve?
Accounting relates to preparation of accounting records, preparation, analysing and interpretation of financial statements.
The study of finance consists of the study of money and capital markets (macroeconomics), investments (management of personal and business portfolios), and managerial finance, the actual management of the firm.
I am currently a sophmore international business major at the Lebow College of Business at Drexel University. I am co-concentrating in entrepreneurship and minoring in chinese. The international business aspect pretty much deals with international business law, world cultures, ettiquite in international relations, international finance and regulations, setting up industry overseas....etc etc. Its basically for someone who wants to be in the jetsetter crowed and travel all over for their career. Chinese is the new up and coming economy in the world, and employers are flocking to scoop up any chinese speakers they can find. Japanese is also a good one to know, and spanish remains useful.
also what is international buisness and if i go into that major what languages is it useful to know?
What is the difference between finance and accounting as a major? what does international buisness involve?
Accounting relates to preparation of accounting records, preparation, analysing and interpretation of financial statements.
The study of finance consists of the study of money and capital markets (macroeconomics), investments (management of personal and business portfolios), and managerial finance, the actual management of the firm.
I am currently a sophmore international business major at the Lebow College of Business at Drexel University. I am co-concentrating in entrepreneurship and minoring in chinese. The international business aspect pretty much deals with international business law, world cultures, ettiquite in international relations, international finance and regulations, setting up industry overseas....etc etc. Its basically for someone who wants to be in the jetsetter crowed and travel all over for their career. Chinese is the new up and coming economy in the world, and employers are flocking to scoop up any chinese speakers they can find. Japanese is also a good one to know, and spanish remains useful.
How do you calculate a finance charge?
How do you determine how much your finance charge is going to be according to the balance that you have on an account?
How do you calculate a finance charge?
Here is a website that will explain this question in detail. Hope it helps
Reply:Take the % finance charge the institution charges and multiply it on your outstanding balance owed.
4%x $2,000=$80.00
How do you calculate a finance charge?
Here is a website that will explain this question in detail. Hope it helps
Reply:Take the % finance charge the institution charges and multiply it on your outstanding balance owed.
4%x $2,000=$80.00
What is the best personal finance site that you know?
I'm looking for a great personal finance site to help me figure out where my little amount of cash is disappearing to.
What is the best personal finance site that you know?
OK, my first stop would be google.
Next, I would get myself educated about budgeting here:
http://www.freebudgetkit.com/
Then I would get smarter about investing here:
https://personal.vanguard.com/us/plannin...
As to figuring out where your little cash goes to, only you can do that.
Every time you spend a penny, write it down. Write down when, where, and what you spent your money on. At the end of the month, tally it up into several categories. (Be as specific or broad as you want, fast food could fall to dining out and entertainment, or could be listed separately, your call)
At the end of the month, I will bet you will be very surprised to find out exactly how much of your take home pay you spend on unnecessary stuff in the $2 - $10 range.
I did this several years ago, and discovered that I was spending over $200 a month on coffee, bottled water, and snacks. Never realized that the $1.75 a day on a Starbucks would add up quite that severly.
Reply:I am reading lots of personal finance blogs which I found very helplful: the simple dollar, get rich slowly, lazy man and money, free money finance are just a few that come to my mind. If you are interested google them and you will find more blogs on their blogroll.
What is the best personal finance site that you know?
OK, my first stop would be google.
Next, I would get myself educated about budgeting here:
http://www.freebudgetkit.com/
Then I would get smarter about investing here:
https://personal.vanguard.com/us/plannin...
As to figuring out where your little cash goes to, only you can do that.
Every time you spend a penny, write it down. Write down when, where, and what you spent your money on. At the end of the month, tally it up into several categories. (Be as specific or broad as you want, fast food could fall to dining out and entertainment, or could be listed separately, your call)
At the end of the month, I will bet you will be very surprised to find out exactly how much of your take home pay you spend on unnecessary stuff in the $2 - $10 range.
I did this several years ago, and discovered that I was spending over $200 a month on coffee, bottled water, and snacks. Never realized that the $1.75 a day on a Starbucks would add up quite that severly.
Reply:I am reading lots of personal finance blogs which I found very helplful: the simple dollar, get rich slowly, lazy man and money, free money finance are just a few that come to my mind. If you are interested google them and you will find more blogs on their blogroll.
Is there a way to finance a home with poor credit?
I'd like to buy a home with a large property, but have poor credit. This would be my first home. How can I overcome my poor credit past and finance the home of my dreams?
Is there a way to finance a home with poor credit?
one company can help you raise your score to what you need they guarantee it! the only one i know if
this lender will credit you the amount you paid for the service when you finance with them.
Reply:Unfortunately, no.
If you do find a lender to do this, the terms will be unfavorable and make your situation worse.
You can overcome your poor credit by fixing it. Sorry, that is the reality.
Reply:Probably not going to happen in the current market. Sub-primes are hard to come by.
The best answer is that you are not ready to buy a house. Start saving like crazy, and pay all your debts on time every time. Once your credit score is improved (in a year or two) and you have 10% to 20% down payment, plus a good cash emergency fund (so you don't end up in default when the water heater breaks or the A/C goes out) THEN you will be ready and able to buy.
Perhaps the lending situation will be a bit more stable then as well.
If you DO insist on trying to buy now, you will get an outrageous interest rate and lots of hidden fees. You'll probably have an early termination fee that will prevent you from refinancing without paying $10K or more! All of this will probably end up causing you financial hardship and you will end up ruining your credit again! And losing your house.
Keep dreaming until you are ready!
Reply:There are a lot of factors determining how BAD your credit is.. Is it Score? Is it debt to income? Is it mostly medical? Is it old stuff that needs removed? Your lender should discuss each line item of your credit report with you to get to the problem. Then you should be able to discuss your options. Most lenders know how to help if they want your business and your willing to be patience let em show you how to do it!
Reply:Don't lose hope if you're looking to buy a home. There are so many different ways to fund a home now, just about anyone with any kind of credit can get into a home, regardless of credit situation.
Of course, some will cost you more money in the long run, but a home it's still one of the best investments that you can make, so, in many cases, it's worth it, especially for the first year of ownership.
You should shop around, and ask different lenders what kind of programs they have, and if they can help. Try to find a lender that specializes in bad credit mortgages. You can find some bad credit mortgage lenders listed on this page on and off:
http://www.axalda.info/bad-credit-mortga...
Reply:of course you can, if you make enough money and you're able to provide documents (W2s, pay stubs, bank accounts statements) or add family members that can help you apply, even with bad credit, it's possible thru a F.H.A. Loan.
rates are at 6.5% with 100% financing.
it's true
Reply:first pay off debts, fix those credit of yours, save some money and buy next year or two
lily
Is there a way to finance a home with poor credit?
one company can help you raise your score to what you need they guarantee it! the only one i know if
this lender will credit you the amount you paid for the service when you finance with them.
Reply:Unfortunately, no.
If you do find a lender to do this, the terms will be unfavorable and make your situation worse.
You can overcome your poor credit by fixing it. Sorry, that is the reality.
Reply:Probably not going to happen in the current market. Sub-primes are hard to come by.
The best answer is that you are not ready to buy a house. Start saving like crazy, and pay all your debts on time every time. Once your credit score is improved (in a year or two) and you have 10% to 20% down payment, plus a good cash emergency fund (so you don't end up in default when the water heater breaks or the A/C goes out) THEN you will be ready and able to buy.
Perhaps the lending situation will be a bit more stable then as well.
If you DO insist on trying to buy now, you will get an outrageous interest rate and lots of hidden fees. You'll probably have an early termination fee that will prevent you from refinancing without paying $10K or more! All of this will probably end up causing you financial hardship and you will end up ruining your credit again! And losing your house.
Keep dreaming until you are ready!
Reply:There are a lot of factors determining how BAD your credit is.. Is it Score? Is it debt to income? Is it mostly medical? Is it old stuff that needs removed? Your lender should discuss each line item of your credit report with you to get to the problem. Then you should be able to discuss your options. Most lenders know how to help if they want your business and your willing to be patience let em show you how to do it!
Reply:Don't lose hope if you're looking to buy a home. There are so many different ways to fund a home now, just about anyone with any kind of credit can get into a home, regardless of credit situation.
Of course, some will cost you more money in the long run, but a home it's still one of the best investments that you can make, so, in many cases, it's worth it, especially for the first year of ownership.
You should shop around, and ask different lenders what kind of programs they have, and if they can help. Try to find a lender that specializes in bad credit mortgages. You can find some bad credit mortgage lenders listed on this page on and off:
http://www.axalda.info/bad-credit-mortga...
Reply:of course you can, if you make enough money and you're able to provide documents (W2s, pay stubs, bank accounts statements) or add family members that can help you apply, even with bad credit, it's possible thru a F.H.A. Loan.
rates are at 6.5% with 100% financing.
it's true
Reply:first pay off debts, fix those credit of yours, save some money and buy next year or two
lily
How and why is the finance officer so important to an organization?
I am the finance officer of my company.. but yet i do not understand why people treat me with such respect (seniority).. in fact, i think i am just the gatekeeper of money.. nothing great...
How and why is the finance officer so important to an organization?
Then you are not doing your job. I have 40 years in accounting and most as Controller. I have never considered myself as a gatekeeper of money. You do have some power over who gets paid and who doesn't and have some power in the eyes of vendors and purchasing. But you job is as an adviser using financial information to tell where the company has been, what it is doing now and where the trends say it is going in the future. Without that information, no other manager can do their job. (Plus you are the easy scapegoat when it doesn't work.)
How and why is the finance officer so important to an organization?
Then you are not doing your job. I have 40 years in accounting and most as Controller. I have never considered myself as a gatekeeper of money. You do have some power over who gets paid and who doesn't and have some power in the eyes of vendors and purchasing. But you job is as an adviser using financial information to tell where the company has been, what it is doing now and where the trends say it is going in the future. Without that information, no other manager can do their job. (Plus you are the easy scapegoat when it doesn't work.)
Are there career opportunities for finance graduates in the media industry?
Are there career opportunities for finance graduates in the media industry?
what are they? and how much is the average salary?
Are there career opportunities for finance graduates in the media industry?
Finance graduates are sought in the media industry. For instance, web sites related to the financial industry need persons with a finance background to write articles that range from investment tips to stock analysis to sector research. Blogs related to finance topics are another source of job opportunities. TV channels that broadcast programs about world stock markets require finance graduates to prepare content. And, print media such as newspapers require writers to write articles on business and economy. In addition to these writing jobs, there are the typical jobs that require finance experience.
Need a powerful resume and a cover letter with a winning edge? Visit: http://www.writing-work.com/resume_writi...
Reply:If you are looking for a great source of jobs in the analytic community, or just a job in general, I suggest BusinessAnalystCrossing. I stumbled upon that site in a search of my own.
http://BusinessAnalystCrossing.com
It's a great source, I found quite a few jobs there that I'm sure I never would have found otherwise. Check it out! It's great
Reply:Hi,
kristy nichols here... You have got to see this - WOW!
I found this new FULL INTERNET UPGRADE technology that is about to upgrade THE ENTIRE INTERNET to Web 2.0 standards and IT'S FREE! FULL Social Networking functionality on EVERY WEBSITE on the internet with a click of a button.
This is going to change the entire Internet OVERNIGHT.
Plus, they are giving away ONE MILLION DOLLARS to spread the word about it - and you can get a share for helping - NO COST!
Check it out at:
http://www.www2upgrade.com/kristy28
Let me know what you think or if you have any questions.
Thanks!
what are they? and how much is the average salary?
Are there career opportunities for finance graduates in the media industry?
Finance graduates are sought in the media industry. For instance, web sites related to the financial industry need persons with a finance background to write articles that range from investment tips to stock analysis to sector research. Blogs related to finance topics are another source of job opportunities. TV channels that broadcast programs about world stock markets require finance graduates to prepare content. And, print media such as newspapers require writers to write articles on business and economy. In addition to these writing jobs, there are the typical jobs that require finance experience.
Need a powerful resume and a cover letter with a winning edge? Visit: http://www.writing-work.com/resume_writi...
Reply:If you are looking for a great source of jobs in the analytic community, or just a job in general, I suggest BusinessAnalystCrossing. I stumbled upon that site in a search of my own.
http://BusinessAnalystCrossing.com
It's a great source, I found quite a few jobs there that I'm sure I never would have found otherwise. Check it out! It's great
Reply:Hi,
kristy nichols here... You have got to see this - WOW!
I found this new FULL INTERNET UPGRADE technology that is about to upgrade THE ENTIRE INTERNET to Web 2.0 standards and IT'S FREE! FULL Social Networking functionality on EVERY WEBSITE on the internet with a click of a button.
This is going to change the entire Internet OVERNIGHT.
Plus, they are giving away ONE MILLION DOLLARS to spread the word about it - and you can get a share for helping - NO COST!
Check it out at:
http://www.www2upgrade.com/kristy28
Let me know what you think or if you have any questions.
Thanks!
Can you finance an engagement ring at the Diamond District in NYC?
My boyfriend wants to finance the ring and we've heard that you can get good deals in the diamond district, but we don't know if they offer financing there or if they only simply deal with cash???
Can you finance an engagement ring at the Diamond District in NYC?
You probably won’t get a better deal in the diamond district than you would get with one of the good online sites. Some online sites are located in the diamond district operating a wholesale business with low overhead. That is why I would go with one of the better online jewelers like http://www.jamesallen.com/
Can you finance an engagement ring at the Diamond District in NYC?
You probably won’t get a better deal in the diamond district than you would get with one of the good online sites. Some online sites are located in the diamond district operating a wholesale business with low overhead. That is why I would go with one of the better online jewelers like http://www.jamesallen.com/
Can I get accepted to a masters in accountancy program with a finance major?
Or do you have to major in accounting to get into a MAcc? Will the Big 4 hire you if you major in finance and get a Masters in Accounting?
Can I get accepted to a masters in accountancy program with a finance major?
I am not entirely sure but i think that you should be able to be accepted with a finance major. Definitely with major accounting though.
myspaces.com
Can I get accepted to a masters in accountancy program with a finance major?
I am not entirely sure but i think that you should be able to be accepted with a finance major. Definitely with major accounting though.
myspaces.com
What is the average income for a recent graduate with MS in Finance?
Recent grad with two internships and some finance related experience would get how much paid annually on average in the state of Florida? Is it easy to get a job and promoted?
What is the average income for a recent graduate with MS in Finance?
You can get a general idea of what to expect here: http://www.bls.gov/oco/
Or more specifically here: http://www.bls.gov/oco/ocoidf.htm#F
Make sure you scroll down to Finance
What is the average income for a recent graduate with MS in Finance?
You can get a general idea of what to expect here: http://www.bls.gov/oco/
Or more specifically here: http://www.bls.gov/oco/ocoidf.htm#F
Make sure you scroll down to Finance
How important is calculus in the study of finance?
I'm studying calculus right now because it's a pre-requisite for the finance program I'd like to attend. I'm doing well with it, but I'm curious as to just how important knowing calculus is when studying finance.
How important is calculus in the study of finance?
It depends on what you plan to do in finance - it is certainly important to know for statistics and if you are interested in understanding things like forcasting it is very important. So the answer is use - calculus is important for finance.
good luck!!!
How important is calculus in the study of finance?
It depends on what you plan to do in finance - it is certainly important to know for statistics and if you are interested in understanding things like forcasting it is very important. So the answer is use - calculus is important for finance.
good luck!!!
Can a finance company change decision and pull out of a car deal?
Bought a ford truck from local dealership and after all papers were signed and finalized my finance company wants me to turn the truck back in because they changed their mind and will not approve the loan. So can a finance company change their mind after paper work as been finalized and completed?
Can a finance company change decision and pull out of a car deal?
Yes.
A deal is not finalized until it is funded by the lender. Dealers often roll cars out of the dealership without an approval. It's unfortunate, however a contract is not valid until the deal is funded (different from approved). Good luck.
Reply:The finance company never approved it to begin with. The dealer made a judgment call based on your credit and decided that a bank would buy it. Unfortunately this is happening a lot lately. Dealers think they can get someone bought, roll the car, and the lender will not approve the deal, so you'll have to take it back, sorry.
Good dealers will not do this, I won't even set you up for delivery without proper approval from a lender, so when you buy a car from me or many dealers like mine, there are no worries.
Reply:The dealer will eventually have to take it back because the lender won't pay them for it. So they'll want it back so they can sell it again later. Just drive it up %26amp; hand over the keys. Tell them here's your crap back.
Reply:Eagle Keeper is dead-on correct.
It's not funded 'til the lender signs off on the deal. The credit crunch right now has caused this quite a bit.
Reply:Yes.Dealers sometimes lie to get you into the car .
Reply:I don't think so. What state are you in?
Can a finance company change decision and pull out of a car deal?
Yes.
A deal is not finalized until it is funded by the lender. Dealers often roll cars out of the dealership without an approval. It's unfortunate, however a contract is not valid until the deal is funded (different from approved). Good luck.
Reply:The finance company never approved it to begin with. The dealer made a judgment call based on your credit and decided that a bank would buy it. Unfortunately this is happening a lot lately. Dealers think they can get someone bought, roll the car, and the lender will not approve the deal, so you'll have to take it back, sorry.
Good dealers will not do this, I won't even set you up for delivery without proper approval from a lender, so when you buy a car from me or many dealers like mine, there are no worries.
Reply:The dealer will eventually have to take it back because the lender won't pay them for it. So they'll want it back so they can sell it again later. Just drive it up %26amp; hand over the keys. Tell them here's your crap back.
Reply:Eagle Keeper is dead-on correct.
It's not funded 'til the lender signs off on the deal. The credit crunch right now has caused this quite a bit.
Reply:Yes.Dealers sometimes lie to get you into the car .
Reply:I don't think so. What state are you in?
Will an online certificate in finance or business make me more competitive for jobs I have a BA?
If you already have a bachlors degree do you think online degrees can make huge differences??
I will have a BA in political science in 2 months and i was wondering if getting a finance certificate from an inexpensive online could make a big difference for me in landing a job?
Will an online certificate in finance or business make me more competitive for jobs I have a BA?
If you mean a masters then yes indeed. Its doesn't matter how people are accomplishing their masters these days. All that matters is that the school is accredited. I encourage many folks to go for higher degrees since its more competitive these days. Landing a job is more about fitting into a particular corporate office these days, but credentials help pull for you, too. Networking is powerful and if you can get into an association or a group that will benefit you landing the work you want, its a good thing to join. When I was in college, sororieties and fraternities were a good networking source, but older students usually benefit more from associations and other groups.
Reply:I don't think much of online schools..
If you want to spend another year.get an MS in Financial Engineering..................Those who got the degree from Baruch(cuny--cheap school) started at a minimum of 100000.............worth the time if you can do it.............
Genealogy
I will have a BA in political science in 2 months and i was wondering if getting a finance certificate from an inexpensive online could make a big difference for me in landing a job?
Will an online certificate in finance or business make me more competitive for jobs I have a BA?
If you mean a masters then yes indeed. Its doesn't matter how people are accomplishing their masters these days. All that matters is that the school is accredited. I encourage many folks to go for higher degrees since its more competitive these days. Landing a job is more about fitting into a particular corporate office these days, but credentials help pull for you, too. Networking is powerful and if you can get into an association or a group that will benefit you landing the work you want, its a good thing to join. When I was in college, sororieties and fraternities were a good networking source, but older students usually benefit more from associations and other groups.
Reply:I don't think much of online schools..
If you want to spend another year.get an MS in Financial Engineering..................Those who got the degree from Baruch(cuny--cheap school) started at a minimum of 100000.............worth the time if you can do it.............
Genealogy
How do I get car finance, with a bad credit history?
I have a good job now but have a bit of a dodgy credit history so I keep getting refused car finance, please help!!!
How do I get car finance, with a bad credit history?
1. Get someone to co-sign for you.
2. To rectify your credit make sure you pay your bills on time, pay as early as possible. One day late hurts your credit score.
3. Get rid of all but 2 or 3 credit cards, don't get rid of the oldest ones, credit companies look to see how old those accounts are and it brings up you're credit score.
4. I don't live in your country so can't tell you where to go for a loan.
5. Putting down as much money on car purchase as possible will lower your interest rate and increase your chances.
Good Luck :)
Reply:You will always get a sales man some place who will get you a deal,after all he gets commission on what he can sell.Keep looking you will get your car.
Done It Warn the Tea Shirt.
Reply:barnone is a good company have had several friends use them
Reply:there are dealerships where you can go to for bad credit history. it will usually say'' buy here pay here" the only downfall is they require a large down payment. the cars are usually pretty nice but if they offer a extended warranty buy one and have it added into your payment.its worth the money, you can also go on line to look for these lots and do a application on line to see if your approved%26gt;%26gt;%26gt; good luck, hope I helped you
Reply:You could go online and sign up with numerous car loaner companys. But every time your credit is run 1 point is taken off your credit points and if you do get approved then always check the apr for that loan. You should start saving money and put down a big deposit like $5000.00 for the car. That way you will get to use your low apr bank for the loan and you got most of the car paid off. As long you have been at your work place for longer then 6 months and have lived at your residence for longer then a year. All banks will usally take your application when you put down a big deposit. Its just showing them that you are very reliable.
Reply:go to yes car finance, as long as you can prove you are in employment and your address and id they will help you
Reply:You can't believe me, I've tried!!
Reply:tell lies
Reply:You'll have to go to one of those companies that charge about 30% APR to get any credit on a car.
Reply:type in bad credit car loans to google it gives a list of company's and comparisons
Reply:welcome finance or yes car credit
Reply:yes car credit
Reply:You'll probably have to get a co-signer but you should seriously work on getting your credit fixed. It'll haunt you for many years to come and every time you want credit, you'll be going through this same troublesome process.
How do I get car finance, with a bad credit history?
1. Get someone to co-sign for you.
2. To rectify your credit make sure you pay your bills on time, pay as early as possible. One day late hurts your credit score.
3. Get rid of all but 2 or 3 credit cards, don't get rid of the oldest ones, credit companies look to see how old those accounts are and it brings up you're credit score.
4. I don't live in your country so can't tell you where to go for a loan.
5. Putting down as much money on car purchase as possible will lower your interest rate and increase your chances.
Good Luck :)
Reply:You will always get a sales man some place who will get you a deal,after all he gets commission on what he can sell.Keep looking you will get your car.
Done It Warn the Tea Shirt.
Reply:barnone is a good company have had several friends use them
Reply:there are dealerships where you can go to for bad credit history. it will usually say'' buy here pay here" the only downfall is they require a large down payment. the cars are usually pretty nice but if they offer a extended warranty buy one and have it added into your payment.its worth the money, you can also go on line to look for these lots and do a application on line to see if your approved%26gt;%26gt;%26gt; good luck, hope I helped you
Reply:You could go online and sign up with numerous car loaner companys. But every time your credit is run 1 point is taken off your credit points and if you do get approved then always check the apr for that loan. You should start saving money and put down a big deposit like $5000.00 for the car. That way you will get to use your low apr bank for the loan and you got most of the car paid off. As long you have been at your work place for longer then 6 months and have lived at your residence for longer then a year. All banks will usally take your application when you put down a big deposit. Its just showing them that you are very reliable.
Reply:go to yes car finance, as long as you can prove you are in employment and your address and id they will help you
Reply:You can't believe me, I've tried!!
Reply:tell lies
Reply:You'll have to go to one of those companies that charge about 30% APR to get any credit on a car.
Reply:type in bad credit car loans to google it gives a list of company's and comparisons
Reply:welcome finance or yes car credit
Reply:yes car credit
Reply:You'll probably have to get a co-signer but you should seriously work on getting your credit fixed. It'll haunt you for many years to come and every time you want credit, you'll be going through this same troublesome process.
What is the best way to get a good laptop on Finance?
I would like a new laptop on finance. I saw the one I wanted on PcWorld (The HP laptop which flips into a notebook with a touchscreen) - however the APR was 21.9!! The best loan I can see is 19.4APR. I want a nice laptop that I can pay about £20-£40 a month for around 2 years. Recommendations would be appreciated, or the best way to "work the system". - Many thanks.
What is the best way to get a good laptop on Finance?
Find a store that sells them and get the store credit card and buy the laptop when they are offering interest free financing. I got 2 years interest free when I bought my TV.
Reply:you will find that bank lending rates in most cases are less than packages you buy into in shops, if i had gone with the finance pakage i was offered with my car instead of the bank loan i took out it would have cost almost £1800 more.so shop around the banks,good luck.
Reply:Find a bank account with a good low cost overdraft - then you can spread the cost over the period that you choose.
Eg, Nationwide Building Society has an overdraft of 7.75%. I run a 3000 pound overdraft, with little checks from them - and I've increased it online. You'd probably need to be in work, for them to grant it. Way cheaper than any of your credit cards.
The account is called Flexaccount, and comes with a Visa Debit card, which would allow you to make the purchase. http://nationwide.co.uk/current_account/... If you get into credit, it also pays good interest, which would offset what you're paying for the overdraft, when you remain overdrawn. I find this a good way to borrow.
This compares to Natwest Current Plus overdraft rate of 19.99%, so is hugely cheaper. Plus it's free to use your Nationwide visa debit card for purchases or cash withdrawals or purchases, whilst you're abroad.
Otherwise, if you have your income paid into this account, or similar, each month, then you'll reduce the amount that you pay, as your overdraft will be reduced, each time some money is paid into the account.
Beware of borrowing, unless you are absolutely certain that you can afford something! I and many others have gotten into trouble in the past, and it's a very sad, tough nasty process! Consider reconditioned laptops, eg. from Dell Outlet, they sell from around 400 pounds, depends on model and stock.http://www1.euro.dell.com/content/defaul...
Good luck! Rob
Reply:Go to PC world. I saw an ad on tv last night that stated if you sign up with orange then you get a free laptop. Might be worth looking into before going into debt.
What is the best way to get a good laptop on Finance?
Find a store that sells them and get the store credit card and buy the laptop when they are offering interest free financing. I got 2 years interest free when I bought my TV.
Reply:you will find that bank lending rates in most cases are less than packages you buy into in shops, if i had gone with the finance pakage i was offered with my car instead of the bank loan i took out it would have cost almost £1800 more.so shop around the banks,good luck.
Reply:Find a bank account with a good low cost overdraft - then you can spread the cost over the period that you choose.
Eg, Nationwide Building Society has an overdraft of 7.75%. I run a 3000 pound overdraft, with little checks from them - and I've increased it online. You'd probably need to be in work, for them to grant it. Way cheaper than any of your credit cards.
The account is called Flexaccount, and comes with a Visa Debit card, which would allow you to make the purchase. http://nationwide.co.uk/current_account/... If you get into credit, it also pays good interest, which would offset what you're paying for the overdraft, when you remain overdrawn. I find this a good way to borrow.
This compares to Natwest Current Plus overdraft rate of 19.99%, so is hugely cheaper. Plus it's free to use your Nationwide visa debit card for purchases or cash withdrawals or purchases, whilst you're abroad.
Otherwise, if you have your income paid into this account, or similar, each month, then you'll reduce the amount that you pay, as your overdraft will be reduced, each time some money is paid into the account.
Beware of borrowing, unless you are absolutely certain that you can afford something! I and many others have gotten into trouble in the past, and it's a very sad, tough nasty process! Consider reconditioned laptops, eg. from Dell Outlet, they sell from around 400 pounds, depends on model and stock.http://www1.euro.dell.com/content/defaul...
Good luck! Rob
Reply:Go to PC world. I saw an ad on tv last night that stated if you sign up with orange then you get a free laptop. Might be worth looking into before going into debt.
What is the best way to get a job in Foreign Service? Would my finance major be of any use?
I am studying in my junior year at the university for a Finance degree. My dream job is to be a consul in a US embassy abroad but I think that it is hard to get a job there. I do speak fluent Russian and some French and some Turkish. Ideally I should be studying for a degree in international relations or Eastern European Studies or something of the sort but since I think it's next to impossible to get my dream job I went into Finance. This semester I am failing my Math class.
Does anyone know anything about Foreign Service and how real it would be for someone like me to get a job at an embassy? Thanks a lot.
What is the best way to get a job in Foreign Service? Would my finance major be of any use?
The State Department Web site has some great information: http://careers.state.gov/officer/join/in...
Here's some advice based on my experience:
1. Do well in school. It reflects how seriously you achieve your personal goals.
2. Get some real-world experience
3. Read up on foreign affaird
4. Study for and pass the Foreign Service Written Examination
5. Prepare for the Oral Exam (go on a lot of job interviews)
Reply:I second Shanan's answer. I tried for the Foreign Service but failed on the Written, and didn't pursue it after that. I also did an internship at the consulate in Hamburg, Germany and I remember one of the officers telling me that the best way to get into the Service is through consular work. If your ambition is to become an ambassador, be prepared to do some tough tours. Good luck! Don't give up on your dream!
Does anyone know anything about Foreign Service and how real it would be for someone like me to get a job at an embassy? Thanks a lot.
What is the best way to get a job in Foreign Service? Would my finance major be of any use?
The State Department Web site has some great information: http://careers.state.gov/officer/join/in...
Here's some advice based on my experience:
1. Do well in school. It reflects how seriously you achieve your personal goals.
2. Get some real-world experience
3. Read up on foreign affaird
4. Study for and pass the Foreign Service Written Examination
5. Prepare for the Oral Exam (go on a lot of job interviews)
Reply:I second Shanan's answer. I tried for the Foreign Service but failed on the Written, and didn't pursue it after that. I also did an internship at the consulate in Hamburg, Germany and I remember one of the officers telling me that the best way to get into the Service is through consular work. If your ambition is to become an ambassador, be prepared to do some tough tours. Good luck! Don't give up on your dream!
What kind of career can I have with an MBA in Finance? Also what is a good starting salary?
I am currently going to start my Masters in finance and I would like to know my options? I enjoy learning the stock market. I am looking for a direction into making a nice living for myself and family. I am not even aware of what a starting salary should be. Please Help!
What kind of career can I have with an MBA in Finance? Also what is a good starting salary?
May be this site can help you
http://www.sgpak.com
Reply:Yes, go to the career/placement center at the University. They will have lots of "job opportunities" for you to look at that show the salary range. Remember you won't start out at a huge salary, but there will be lots of potential for increases.
The sooner you get to the placement center the better, since companies will hire you before you have completed your degree... yes, they want to know you will be there for them when you graduate. Wouldn't that be nice, to have a job waiting for you. You won't have this happen if you don't go looking for those jobs NOW.
Reply:No Pun intended but at the Masters level you probably should know the answer to your question. Seek out a career counselor or put together a resume indicating that you have 1 semester until you graduate. This will give you an idea of how many people will call you. Use a different name on the resume...remember you're just trying to get calls. Also use Salary.com to find out what your salary would be for that position.
Reply:I work for a company that teaches you everything you need to know about finances and investments. You can earn while you learn and it is geared where you can do it and remain in college to get your masters. You also can get licensing to have you all set when you graduate
If you are interested you may email me for more information. kathyreilly66@yahoo.com
lilac
What kind of career can I have with an MBA in Finance? Also what is a good starting salary?
May be this site can help you
http://www.sgpak.com
Reply:Yes, go to the career/placement center at the University. They will have lots of "job opportunities" for you to look at that show the salary range. Remember you won't start out at a huge salary, but there will be lots of potential for increases.
The sooner you get to the placement center the better, since companies will hire you before you have completed your degree... yes, they want to know you will be there for them when you graduate. Wouldn't that be nice, to have a job waiting for you. You won't have this happen if you don't go looking for those jobs NOW.
Reply:No Pun intended but at the Masters level you probably should know the answer to your question. Seek out a career counselor or put together a resume indicating that you have 1 semester until you graduate. This will give you an idea of how many people will call you. Use a different name on the resume...remember you're just trying to get calls. Also use Salary.com to find out what your salary would be for that position.
Reply:I work for a company that teaches you everything you need to know about finances and investments. You can earn while you learn and it is geared where you can do it and remain in college to get your masters. You also can get licensing to have you all set when you graduate
If you are interested you may email me for more information. kathyreilly66@yahoo.com
lilac
What is the lowest price of a car that they would finance me for?
Do dealerships have a limit? Like would they let me finance an used car that costs $4,000? Also I have really bad credit. If I'm approved for $4,000 what should I expect to pay as a down payment and interest? Thanks
What is the lowest price of a car that they would finance me for?
Have seen lots of people asking info on bad credits. Well, if you need to get your problem solved on%26lt;!--bad credit, you must know to how to confront it. Of course, Even if you have bad credit, you can get loans. Many factors can contribute to someone getting a "bad credit" rating, among these are non-payment of an account or late payments over an extended length of time. You may find a bad credit loan here,
http://badcredits.awardspace.com/
You may find want you want. You can easily be labelled as a bad credit risk by financial companies. This can make it more difficult to--%26gt;arrange loans or other finance, and usually means you will pay more interest on any loan you take out.
Reply:s14 nissan 240sx
1986 ae86 toyota sprinter trueno
1986-1992 fc3s mazda rx-7
the ae86 should cost around a few hundred dollars to 2k depending on the condition.
the fc3s should cost around a few hundred dollars to a little over 2k depending on the condition
the s14 should cost around 2k to 4k depending on the condition.
then save up to tune it.
if you don't know what these cars look like then type in AE86 or FC3S or S14 in google.com and take a look at these cars.
these cars are all rear wheel drive sports cars, you just got to clean the engine, do a paintjob, put new suspensions, intake, exhaust, and turbo with blowoff valve and new injectors in it then ERGHERGHERGHERGH VROOM PSST!!!!! VROOM VROOM PSSSTTTT!!! VROOOOM PSSSSTTT!!!!!
Reply:The minimum that a lender will finance is $7500.00 anything less then that would have to be a personal loan.
There are a lot of options out there for a bad credit auto loan
Just don't get suckered into the scams.
A Tip For On-line Applications :
1. If there is no phone number to call to find out more information don't fill anything out.
2.Find out as much information as you can on how the process works.
3.Try to do a background on the company your applying with(Example the Better Business Bureau) .
Application services, predominately found on the Internet, involve automatic multiple submission of financial information to potential lenders. In this case, the potential borrower fills out some in depth financial information. The coordinator of the network then forwards the information to lending sources that may be willing to make the loan. When all works correctly, the borrower hears from four lenders who then fight for the loan by competing against each other to offer the best rates and amortization. For bad credit auto loan candidates it may be more a case of one or two lenders coming forward without much fighting, but where not many sources exist this can be a great time saver.
In most of these cases, either the car dealers or lenders may contact the borrowers directly. If you don't have a car in mind already the dealer networks may be quite helpful in directing you to someone who has an inventory of vehicles and the experience and capability of securing a loan on the vehicle you wish to purchase. If you already have a vehicle in mind and are having trouble finding a financing source the multiple submission networks may be helpful.
Even with all of these opportunities which will allow "almost" anyone to obtain vehicle financing some borrowers will fall into the category that can not. People with no down payment whatsoever and bad credit may find it very difficult getting car financing. Debtors in the middle of bankruptcy proceedings may find that financing is not available until their bankruptcy case has concluded. Others may be pleasantly surprised to find financing only to realize payments on these loans beyond their means.
Don't be discouraged if your first few attempts at financing fail or if you have to settle for your second or third choices of vehicles. With perseverance, and if needed a little polishing up of your tarnished credit, you should be able to obtain safe and reliable transportation despite a previous bout of bad credit or bankruptcy.
~Hope that Helps ~
Reply:I'm in Australia and a few years ago we bought a used car with finance. We didn't have bad credit, just no credit rating but no banks or dealerships would give us finance. We ended up getting finance with GE. The car was $4000 and it had to be less than ten years old. There was no deposit but the car was used as security. The interest rate was a staggering 32%. The repayments were close to $100Au per fortnight.
Friends of mine have bought cars through dealerships and interest rates seem to be below 20% and deposits vary from $100 and up. They also had bad credit. As to the lowest price they will finance, it just depends on the dealer.
What is the lowest price of a car that they would finance me for?
Have seen lots of people asking info on bad credits. Well, if you need to get your problem solved on%26lt;!--bad credit, you must know to how to confront it. Of course, Even if you have bad credit, you can get loans. Many factors can contribute to someone getting a "bad credit" rating, among these are non-payment of an account or late payments over an extended length of time. You may find a bad credit loan here,
http://badcredits.awardspace.com/
You may find want you want. You can easily be labelled as a bad credit risk by financial companies. This can make it more difficult to--%26gt;arrange loans or other finance, and usually means you will pay more interest on any loan you take out.
Reply:s14 nissan 240sx
1986 ae86 toyota sprinter trueno
1986-1992 fc3s mazda rx-7
the ae86 should cost around a few hundred dollars to 2k depending on the condition.
the fc3s should cost around a few hundred dollars to a little over 2k depending on the condition
the s14 should cost around 2k to 4k depending on the condition.
then save up to tune it.
if you don't know what these cars look like then type in AE86 or FC3S or S14 in google.com and take a look at these cars.
these cars are all rear wheel drive sports cars, you just got to clean the engine, do a paintjob, put new suspensions, intake, exhaust, and turbo with blowoff valve and new injectors in it then ERGHERGHERGHERGH VROOM PSST!!!!! VROOM VROOM PSSSTTTT!!! VROOOOM PSSSSTTT!!!!!
Reply:The minimum that a lender will finance is $7500.00 anything less then that would have to be a personal loan.
There are a lot of options out there for a bad credit auto loan
Just don't get suckered into the scams.
A Tip For On-line Applications :
1. If there is no phone number to call to find out more information don't fill anything out.
2.Find out as much information as you can on how the process works.
3.Try to do a background on the company your applying with(Example the Better Business Bureau) .
Application services, predominately found on the Internet, involve automatic multiple submission of financial information to potential lenders. In this case, the potential borrower fills out some in depth financial information. The coordinator of the network then forwards the information to lending sources that may be willing to make the loan. When all works correctly, the borrower hears from four lenders who then fight for the loan by competing against each other to offer the best rates and amortization. For bad credit auto loan candidates it may be more a case of one or two lenders coming forward without much fighting, but where not many sources exist this can be a great time saver.
In most of these cases, either the car dealers or lenders may contact the borrowers directly. If you don't have a car in mind already the dealer networks may be quite helpful in directing you to someone who has an inventory of vehicles and the experience and capability of securing a loan on the vehicle you wish to purchase. If you already have a vehicle in mind and are having trouble finding a financing source the multiple submission networks may be helpful.
Even with all of these opportunities which will allow "almost" anyone to obtain vehicle financing some borrowers will fall into the category that can not. People with no down payment whatsoever and bad credit may find it very difficult getting car financing. Debtors in the middle of bankruptcy proceedings may find that financing is not available until their bankruptcy case has concluded. Others may be pleasantly surprised to find financing only to realize payments on these loans beyond their means.
Don't be discouraged if your first few attempts at financing fail or if you have to settle for your second or third choices of vehicles. With perseverance, and if needed a little polishing up of your tarnished credit, you should be able to obtain safe and reliable transportation despite a previous bout of bad credit or bankruptcy.
~Hope that Helps ~
Reply:I'm in Australia and a few years ago we bought a used car with finance. We didn't have bad credit, just no credit rating but no banks or dealerships would give us finance. We ended up getting finance with GE. The car was $4000 and it had to be less than ten years old. There was no deposit but the car was used as security. The interest rate was a staggering 32%. The repayments were close to $100Au per fortnight.
Friends of mine have bought cars through dealerships and interest rates seem to be below 20% and deposits vary from $100 and up. They also had bad credit. As to the lowest price they will finance, it just depends on the dealer.
Can I cancel car finance within 30 days and pay in full?
I have recently (in past few days) bought a car on finance over a four year period and now realise the apr is high and would rather pay for car straight out with a loan and lower apr. Am i able to do this without paying interest?
AND if i do will it give me a bad credit rating to cancel it?
Can I cancel car finance within 30 days and pay in full?
Yes you can do that. Its a simple interest loan so that means you can pay as much as you want or pay it off whenever you want without being penalized. You are gonna pay some interest though. Interest starts the day that you buy that car so if its within 30days i cant imagine the interest charge to be more than a few bucks, depending on the interest rate and the amount of the loan. Say you bought a 80k car with 12% interest than yeah within that 30 days its gonna quite a bit. But say around 20k at 12% wont be more than 80 bucks.
Reply:Yes there will be a cooling off period under FSA regulations - they should be able to do that - although it will mean the supplying dealer will loose his/her commission for introducing you, so don't be surprised if they try to tell you otherwise.
Also the only way it could possibly affect your credit rating is that it will not have had time to register an account with Experian / other credit bureaus BUT the original search will still show - meaning it could look like they refused you credit to a future lender - but this doesnt really mean anything unless you did it often so dont worry about it
Reply:You won't be canceling it, you'll be paying it off. You will still have to pay interest on the money you borrowed for 30 days. Won't hurt your credit. But applying for another loan while this is still active (which it will be until it's paid) may ding your credit, but not enough to be of concern because you will be paying off the 1st loan early.
To estimate the interest you'll pay the first month:
(interest rate / 12) * principal
Reply:I have actually done that, as long as you pay off the loan it will be reported as paid as agreed on your credit report. It will show your original high balance the date it was opened and it will show the date it was paid off and a zero balance. It will not hurt your credit. If this is your only trade line it just won't show a payment history.
Reply:It doesn't sound as though that you have the cash to pay off this car loan, so it makes me wonder why you think you can go from a high interest loan to a lower interest loan in just a month. Unless you can "walk on water" I don't see your situation changing any to soon.
Reply:Most finance companies don't have an early loan termination fee but some do. It is best to call your financial institute to see if they will charge a large fee to cancel the loan early.
Reply:best thing to do would be to call up the company and ask them. If you do have to pay interest u will still save - i paid off my finance after about 6 months and i saved a lot doing that.
Reply:Phone the CAB straight away. They have up to date info on law.
BTW, your avatar looks familiar.
Reply:you can do that, it wont hurt ur credit
Reply:best ask the company you took finance out with.
AND if i do will it give me a bad credit rating to cancel it?
Can I cancel car finance within 30 days and pay in full?
Yes you can do that. Its a simple interest loan so that means you can pay as much as you want or pay it off whenever you want without being penalized. You are gonna pay some interest though. Interest starts the day that you buy that car so if its within 30days i cant imagine the interest charge to be more than a few bucks, depending on the interest rate and the amount of the loan. Say you bought a 80k car with 12% interest than yeah within that 30 days its gonna quite a bit. But say around 20k at 12% wont be more than 80 bucks.
Reply:Yes there will be a cooling off period under FSA regulations - they should be able to do that - although it will mean the supplying dealer will loose his/her commission for introducing you, so don't be surprised if they try to tell you otherwise.
Also the only way it could possibly affect your credit rating is that it will not have had time to register an account with Experian / other credit bureaus BUT the original search will still show - meaning it could look like they refused you credit to a future lender - but this doesnt really mean anything unless you did it often so dont worry about it
Reply:You won't be canceling it, you'll be paying it off. You will still have to pay interest on the money you borrowed for 30 days. Won't hurt your credit. But applying for another loan while this is still active (which it will be until it's paid) may ding your credit, but not enough to be of concern because you will be paying off the 1st loan early.
To estimate the interest you'll pay the first month:
(interest rate / 12) * principal
Reply:I have actually done that, as long as you pay off the loan it will be reported as paid as agreed on your credit report. It will show your original high balance the date it was opened and it will show the date it was paid off and a zero balance. It will not hurt your credit. If this is your only trade line it just won't show a payment history.
Reply:It doesn't sound as though that you have the cash to pay off this car loan, so it makes me wonder why you think you can go from a high interest loan to a lower interest loan in just a month. Unless you can "walk on water" I don't see your situation changing any to soon.
Reply:Most finance companies don't have an early loan termination fee but some do. It is best to call your financial institute to see if they will charge a large fee to cancel the loan early.
Reply:best thing to do would be to call up the company and ask them. If you do have to pay interest u will still save - i paid off my finance after about 6 months and i saved a lot doing that.
Reply:Phone the CAB straight away. They have up to date info on law.
BTW, your avatar looks familiar.
Reply:you can do that, it wont hurt ur credit
Reply:best ask the company you took finance out with.
How important is mba if i already have bba degree in finance?
Do you think my bba degree in finance is useful already and take another masters or professional degree other than mba later on, or it is better to take mba? But how important is mba?
please give me some details if possible....
How important is mba if i already have bba degree in finance?
It depends on your career goals. If you want to get a job in the finance field, many are available and if you want to strengthen your finance knowledge an MS in finance can prepare you for higher level staff positions possibly involving research.
On the other hand if you plan to get into management with advancement to top level positions such as vice president or CEO, the MBA is a good path. It is best to get 2-4 years work experience after graduation before you apply to an MBA program, but some programs are designed for students right out of college.
Get more information in the Official MBA Guide, a free comprehensive service that helps you to find the MBA programs best suited to your needs.
Reply:A masters degree is always preferable when ever you 've to apply for a better job. Serge M had mentioned very rightly it would be far better to get some job experience before getting into your MBA's. MBA's also better for if you want to excel as entrepreneur for more details visit www.agrians.com Report Abuse
please give me some details if possible....
How important is mba if i already have bba degree in finance?
It depends on your career goals. If you want to get a job in the finance field, many are available and if you want to strengthen your finance knowledge an MS in finance can prepare you for higher level staff positions possibly involving research.
On the other hand if you plan to get into management with advancement to top level positions such as vice president or CEO, the MBA is a good path. It is best to get 2-4 years work experience after graduation before you apply to an MBA program, but some programs are designed for students right out of college.
Get more information in the Official MBA Guide, a free comprehensive service that helps you to find the MBA programs best suited to your needs.
Reply:A masters degree is always preferable when ever you 've to apply for a better job. Serge M had mentioned very rightly it would be far better to get some job experience before getting into your MBA's. MBA's also better for if you want to excel as entrepreneur for more details visit www.agrians.com Report Abuse
How does an auto finance company work?
Where does an auto finance company source money to loan?
How can I get someone to give me money to give auto loans?
How does an auto finance company work?
good answer by kennedi but not to your question try a small business loan
floral shops
How can I get someone to give me money to give auto loans?
How does an auto finance company work?
good answer by kennedi but not to your question try a small business loan
floral shops
Do you think student finance would find out about my first degree?
(Mainly a question for UK answerers)
I already have a degree in Tourism Management but its not what I really want to do...I got a grant and loan from student finance to fund my students. I loved every minute of Uni but would love to study something which will be more useful to me in the future and give me more security.
I am planning on studying Psychology at Goldsmiths its a four year degree course including a foundation course. I am pregnant at the moment and plan to study maybe september 2008 or 2009. I know that they dont provide grants for second first degrees but I was just wonderin if I didnt mention that I already have a degree would they be able to find out?...I have a different address and I did not go through UCAS for the first one either.
Advice would be really appreciated...I will be giving up work when the baby arrives and will probably claim benefits until I find another job or course will this make any difference to my situation?
Do you think student finance would find out about my first degree?
You should definatly tell them, they will definatly find out and its not fair to those that actually want to try uni for the first time if you lie, plus being pregnant, its hardly being a good role model for your child to look up to - even if the baby doesnt know about it - wouldnt you feel better if you knew what you were doing wasnt illegal? Cos its fraud you know, with holding information for your own benefit.
Why dont you think about starting an open university degree straight away, that way you can ease your way back in to studying and not have to sign up for a four year course.
Look into doing a masters...
Reply:look on the internet as there are lots of charities around that give bursaries and grants, particually if you are from some london boroughs.
your local authority may also fund extra loans for second degrees as well, make enquiries, there is help available! Good luck! Report Abuse
Reply:They will probably find out eventually. If you do this you may land up with a huge bill in the future. What you could do, is a masters in a different subject. It doesnt have to be the same subject you did your degree in. Once you have that you could look at PHDs
Reply:yes they would find out due to national insurance numbers etc, You can have a degree already and still apply because it is a loan now not a grant so you have to pay it back. One of my friends is on her second degree and is recieving funding from the SLC so just be honest with them.
I already have a degree in Tourism Management but its not what I really want to do...I got a grant and loan from student finance to fund my students. I loved every minute of Uni but would love to study something which will be more useful to me in the future and give me more security.
I am planning on studying Psychology at Goldsmiths its a four year degree course including a foundation course. I am pregnant at the moment and plan to study maybe september 2008 or 2009. I know that they dont provide grants for second first degrees but I was just wonderin if I didnt mention that I already have a degree would they be able to find out?...I have a different address and I did not go through UCAS for the first one either.
Advice would be really appreciated...I will be giving up work when the baby arrives and will probably claim benefits until I find another job or course will this make any difference to my situation?
Do you think student finance would find out about my first degree?
You should definatly tell them, they will definatly find out and its not fair to those that actually want to try uni for the first time if you lie, plus being pregnant, its hardly being a good role model for your child to look up to - even if the baby doesnt know about it - wouldnt you feel better if you knew what you were doing wasnt illegal? Cos its fraud you know, with holding information for your own benefit.
Why dont you think about starting an open university degree straight away, that way you can ease your way back in to studying and not have to sign up for a four year course.
Look into doing a masters...
Reply:look on the internet as there are lots of charities around that give bursaries and grants, particually if you are from some london boroughs.
your local authority may also fund extra loans for second degrees as well, make enquiries, there is help available! Good luck! Report Abuse
Reply:They will probably find out eventually. If you do this you may land up with a huge bill in the future. What you could do, is a masters in a different subject. It doesnt have to be the same subject you did your degree in. Once you have that you could look at PHDs
Reply:yes they would find out due to national insurance numbers etc, You can have a degree already and still apply because it is a loan now not a grant so you have to pay it back. One of my friends is on her second degree and is recieving funding from the SLC so just be honest with them.
Can anyone tell me what participation split means with a car dealership and a finance company?
I have a high interest rate loan on a truck, I am paying the payments on time and I am thinking about getting something else with a better interest rate. But I found out that car dealerships and finance companies have participation splits when they sell a car and complete the financing. I wanted to know what that means and am I paying for it. My rate is 24.9% I know that is high but my wife and I had not choice due to a loss in job. We are ok with it but really need to make a change now. Any advice would help. We have stable income and credit scores between 540 and 587, all of our credit cards and car payments and other bills have been on time for the past 12 months. We have some old judgments that maybe total $3500.00; one is a medical bill and the other a membership we never used at a discount supply place. Thank you for your answers in advance.
Can anyone tell me what participation split means with a car dealership and a finance company?
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Can anyone tell me what participation split means with a car dealership and a finance company?
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What qualifications / professional certs do I need to get into UK finance industry?
I have my bachelors / masters in communciations field, and currently working as a technical consultant. I want to shift into finance sector from here. Can anyone tell me how I can ?
What qualifications / professional certs do I need to get into UK finance industry?
you should try to study to be CFA. Try http://cfainstitute.org/ . good luck.
Reply:ACCA is the qualification if you done it, you can find job in finance industry in UK.
For learning Complete Accounting please visit.
http://www.infoengen.com/Accounting%20Tu...
Best Regards
uzzzi
What qualifications / professional certs do I need to get into UK finance industry?
you should try to study to be CFA. Try http://cfainstitute.org/ . good luck.
Reply:ACCA is the qualification if you done it, you can find job in finance industry in UK.
For learning Complete Accounting please visit.
http://www.infoengen.com/Accounting%20Tu...
Best Regards
uzzzi
How hard is it to get a Finance Major?
Right now I am a math education major and I realized that I don't want to teach. And now I don't know what to change my major to. I was thinking of either going into Business Finance or Accounting, but I don't know which one is harder or requires more work/effort.
I was also wondering what kind of jobs you can get with both? I heard that with accounting you are pretty much limited to one kind of job. And with finance you have a more broad selection.
How hard is it to get a Finance Major?
Finance majors are not that hard but they are not the easiest business subject to major in. I would say accounting and finance are the hardest two business majors. Marketing and Business Administration are a little easier. I double majored in accounting and finance and it was pretty difficult. Probably wouldn't have been as bad if I had only majored in one of them though. As far as job selection, with accounting you can do tax, audit, bookkeeping, analyst work, etc. With finance you do have a pretty broad range you can get but I found that mostly people take analyst jobs. And if you are getting certified the CPA and CFA exams are both pretty hard. Good luck!!!
Reply:No harder than any other major if you know math.
I was also wondering what kind of jobs you can get with both? I heard that with accounting you are pretty much limited to one kind of job. And with finance you have a more broad selection.
How hard is it to get a Finance Major?
Finance majors are not that hard but they are not the easiest business subject to major in. I would say accounting and finance are the hardest two business majors. Marketing and Business Administration are a little easier. I double majored in accounting and finance and it was pretty difficult. Probably wouldn't have been as bad if I had only majored in one of them though. As far as job selection, with accounting you can do tax, audit, bookkeeping, analyst work, etc. With finance you do have a pretty broad range you can get but I found that mostly people take analyst jobs. And if you are getting certified the CPA and CFA exams are both pretty hard. Good luck!!!
Reply:No harder than any other major if you know math.
What advice can you give me about getting a job in Finance in Rhode Island with no previous experience?
What advice can you give me about getting a job in Finance in Rhode Island with no previous experience? I just recently received a Bachelor's in economics. My only work experience has been in human services working with the developmentally disabled.
What advice can you give me about getting a job in Finance in Rhode Island with no previous experience?
start to read few books quick, learn buzz word in financing and start to develop network in the finance. Most people get into the field, they may have little or to nothing in the finance, but they put their interest to the heart and convince themselves that they can do it.
Believe in yourself and it should be fine. Don't rest until you become the best.
Good Luck
Reply:You need a MBA.
What advice can you give me about getting a job in Finance in Rhode Island with no previous experience?
start to read few books quick, learn buzz word in financing and start to develop network in the finance. Most people get into the field, they may have little or to nothing in the finance, but they put their interest to the heart and convince themselves that they can do it.
Believe in yourself and it should be fine. Don't rest until you become the best.
Good Luck
Reply:You need a MBA.
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