I am still paying on the card to pay it off. The account was closed almost 2 months ago and I am being charged almost a $30 finance charge every month. How can I get ahead like that? I haven't even charged on the card in the last 2 years. It doesn't seem fair that they are charging a finance charge.
Why is the bank still charging a finance charge if the account is closed?
Just because you closed the account does not stop the interest due. You still owe them the money and therefore, there are still interest charges. Closing the account just stops any new purchases or cash advances from going through.
Reply:When you applied for the card you agreed to the terms of the card. Even after you close the account it is not "closed" until the balance is paid off.
So yes ALL fees and interest would still apply. The rates that apply are the ones that were in effect at time you requested it closed. You will be continued to be charged interest at that rate until the account balance is zero. Once that happens your account is officially closed. But just be aware that other fees apply also. So if you are ever late they can still charge you a late fee. IF you decide to stop paying they can then also turn you over to a collection agency.
Reply:The terms of the agreement was probably a lower % but once you
defauled on agreement the card will increasde to 28-30% depending
on the creditor, and each month that you are behind the minimum
payment will double or triple until you get back on track, also
adding finance, interest and overlimit fees. This is how banks make
their money, I closed mine 6 months ago, the amounts that I owed
were almost double because of other fees, but once theyre charged
off, and sold to collections then you have a chance at settling the
debt for less money, so you did good by closing the accounts, now
if you dont plan on paying or cant pay then you should plan on having
bad credit from 7-10 yrs. I dont this its unfair that their have
finance charges, its a way of doing business and if people like us
dont know how to handle our finances its better not to have credit or
credit cards what is unfair and illegal is that these credit card
companies will give you a credit card knowing that a person is not
even working, I wasnt owrking when they gave me a 20000 increase
in one credit card, they dont do background checks, I think.
If they did they wouldve seen me as a liability, thats why the US is
in a mess right now with mortgages and credits. They extended
loans to people who didnt qualify for it. So its half and half their
fault and the taxpayers. If you know you cant afford the home whait
till you can. So now were all in a pickle.
Good luck!!!
Reply:As long as you still owe a balance, you will be charged interest. Whether the account is in "open" or "closed" status doesn't change that. Welcome to the real world.
Reply:I guess you might have thought closing the account will mean a free loan. No wonder people get in credit trouble.
tanning
Friday, July 31, 2009
What are the rules or principles of finance for saving and budgeting?
Basically what the header question asks.
What are the rules or principles of finance for saving and what are the rules or principles of finance for budgeting?
Thanks in advance
What are the rules or principles of finance for saving and budgeting?
First rule is pay yourself first. You want at LEAST 10% of your take home pay to go into savings. Preferably 20%. Other than that, don't put anything on a credit card that you can't pay for in cash, pay off your FULL balance on your credit card every month (not just the minimum payment), and pay cash for everything you can, with the exception of maybe cars and a home. Don't get suckered in to the need for immediate gratification. if you can't afford something now, save up for it, don't put it on credit.
Everything else goes from there, keep your monthly expenses down to a minimum and try to keep at least three months' worth of expenses in your savings account. And remember that the little things add up. Movies, dinners out, and things like that really eat up your paycheck. Try to keep those to a minimum.
Also, I'd recommend getting into a high-yield checking account, like Schwab. Good luck!
What are the rules or principles of finance for saving and what are the rules or principles of finance for budgeting?
Thanks in advance
What are the rules or principles of finance for saving and budgeting?
First rule is pay yourself first. You want at LEAST 10% of your take home pay to go into savings. Preferably 20%. Other than that, don't put anything on a credit card that you can't pay for in cash, pay off your FULL balance on your credit card every month (not just the minimum payment), and pay cash for everything you can, with the exception of maybe cars and a home. Don't get suckered in to the need for immediate gratification. if you can't afford something now, save up for it, don't put it on credit.
Everything else goes from there, keep your monthly expenses down to a minimum and try to keep at least three months' worth of expenses in your savings account. And remember that the little things add up. Movies, dinners out, and things like that really eat up your paycheck. Try to keep those to a minimum.
Also, I'd recommend getting into a high-yield checking account, like Schwab. Good luck!
How do I change my company's profile info in Yahoo Finance?
Probably be better, in fact to change it on Reuters (which I think is the source of Yahoo and Google and some other finance info). We're a holding company, and we've changed our focus, so we want to make sure the ticker search services have updated info on us.
How do I change my company's profile info in Yahoo Finance?
It can be hard to contact Yahoo Finance. I don't know of any phone number that you can use, but the link below goes to their help form.
How do I change my company's profile info in Yahoo Finance?
It can be hard to contact Yahoo Finance. I don't know of any phone number that you can use, but the link below goes to their help form.
How do i get rid of my car while still under finance?
I want to get rid of my car but i still owe the finance company quite a bit of money. I dont want to trade it in as i dont want another car so what else can i do?
How do i get rid of my car while still under finance?
i think is states somewhere in the contract that you can only sell it back to the finance company - and believe me - they will fleece you!
you have it now so my advice would be to enjoy it
Reply:hi,firsty yes you can sell the car,but before you do,you have to get in tutch with the fienance company,find how much you owe,if you can sell the car and get more than you owe them your quids in,if not your stuck old chum,hope this helps and good luck.
Reply:What you should do is return the car to the finance company with the keys and state that you no longer want the car.You cant sell it because its not your car it belongs to the finance company and to sell it would be fraud
Reply:sell the car yourself- you will get more money for the car ... make sure that you sell it for enough where you are not "upside down " - meaning you owe more to your finance company than what the car is worth. any amount you get over what you have to pay to your finance company is yours to keep. Check with your state motor vehicle adminsitration on proceedures you must take to sell you car.
Reply:there should be a clause in your contract stating that after you have paid at least half of the car you can hand it back to the finance company i know my dad done it three years ago
Reply:Dump it and report it stolen.But burn it first.
Reply:Find a new buyer who is willing to pay what you owe and make arrangements with him and the finance company to get the loan taken care of so they will release the lein card.
Reply:Well you have two options one is to sell and pay off the loan and the second being to find someone to take over payments. If you sell it you need to see what you owe compared to what it is worth. My guess is that you owe more than it is worth so you would have to pay the difference between what you owe and what you sell it for at the time of sale.
Check with your bank and see what their criteria is for someone to take over payments and then advertise it that way. Although if your payment are high that could be a hard task as well. Good Luck!
Reply:If it is still running, go out and find somebody to tailgate you.
Then slam on the brakes.
If you are a good enough actor - you'll get the car paid off, and then some.
Careful though - people know this trick.
Reply:Determine what your original contract states. It may allow you to sell the car.
If you owe more than the car is worth you will need to sell it and kick in the difference in the money you owe them.
Obviously, the finance people will need to sign off on the sale as they will be on the title. As stated by others you may be able to find someone to take over your loan if they can get approved.
Don't wreck your car or burn your car or anything silly like that. Car insurance companies have lots of investigators. You could end up in jail.
Reply:Contact the finance company and tell them that you want 'rid' of the vehicle. There are many options for you to choose from: you can give the car to the finance co. to sell for you, or you can ask for permission to sell the car and then to pay them although it is not very likely they will go for this choice. The other way is to find a buyer yourself and then to explain the situation to them and arrange with the finance co. that the buyer pays them what is owed and you get the balance. Be Aware that the finance company according to uk law 'own the vehicle' not you. It is a criminal offence contrary to the theft act to dispose of or to sell the vehicle to another without the express permission 'in writing' from the owner, finance co., or another whom has 'an interest' or a lawful right or claim on the property namely the vehicle. If you contravene this you WILL be liable to arrest and face criminal proceedings and may end up with a criminal record. Sorry to be so blunt but there is no other way, think things over sensibly and carefully. If you are having problems meeting payments talk the finance co. be honest and say that you want to keep the car and ask if they will lower or freeze the repayments for a while. Ask also if they or you with permission can sell the vehicle and any outstanding balance be put down to a personal loan.
Reply:find another buyer to take loan over or refinance it in their name
Reply:I'm selling my Car on CraigsList.com...
Go there..
I seen alot of people saying "Take over my Payments".. And alot of people actually do... Good Luck!
Reply:Sell it outright by yourself and pay off the loan and what is left over you will need to come up with that difference.
Reply:you got to pay off finance first no other way
How do i get rid of my car while still under finance?
i think is states somewhere in the contract that you can only sell it back to the finance company - and believe me - they will fleece you!
you have it now so my advice would be to enjoy it
Reply:hi,firsty yes you can sell the car,but before you do,you have to get in tutch with the fienance company,find how much you owe,if you can sell the car and get more than you owe them your quids in,if not your stuck old chum,hope this helps and good luck.
Reply:What you should do is return the car to the finance company with the keys and state that you no longer want the car.You cant sell it because its not your car it belongs to the finance company and to sell it would be fraud
Reply:sell the car yourself- you will get more money for the car ... make sure that you sell it for enough where you are not "upside down " - meaning you owe more to your finance company than what the car is worth. any amount you get over what you have to pay to your finance company is yours to keep. Check with your state motor vehicle adminsitration on proceedures you must take to sell you car.
Reply:there should be a clause in your contract stating that after you have paid at least half of the car you can hand it back to the finance company i know my dad done it three years ago
Reply:Dump it and report it stolen.But burn it first.
Reply:Find a new buyer who is willing to pay what you owe and make arrangements with him and the finance company to get the loan taken care of so they will release the lein card.
Reply:Well you have two options one is to sell and pay off the loan and the second being to find someone to take over payments. If you sell it you need to see what you owe compared to what it is worth. My guess is that you owe more than it is worth so you would have to pay the difference between what you owe and what you sell it for at the time of sale.
Check with your bank and see what their criteria is for someone to take over payments and then advertise it that way. Although if your payment are high that could be a hard task as well. Good Luck!
Reply:If it is still running, go out and find somebody to tailgate you.
Then slam on the brakes.
If you are a good enough actor - you'll get the car paid off, and then some.
Careful though - people know this trick.
Reply:Determine what your original contract states. It may allow you to sell the car.
If you owe more than the car is worth you will need to sell it and kick in the difference in the money you owe them.
Obviously, the finance people will need to sign off on the sale as they will be on the title. As stated by others you may be able to find someone to take over your loan if they can get approved.
Don't wreck your car or burn your car or anything silly like that. Car insurance companies have lots of investigators. You could end up in jail.
Reply:Contact the finance company and tell them that you want 'rid' of the vehicle. There are many options for you to choose from: you can give the car to the finance co. to sell for you, or you can ask for permission to sell the car and then to pay them although it is not very likely they will go for this choice. The other way is to find a buyer yourself and then to explain the situation to them and arrange with the finance co. that the buyer pays them what is owed and you get the balance. Be Aware that the finance company according to uk law 'own the vehicle' not you. It is a criminal offence contrary to the theft act to dispose of or to sell the vehicle to another without the express permission 'in writing' from the owner, finance co., or another whom has 'an interest' or a lawful right or claim on the property namely the vehicle. If you contravene this you WILL be liable to arrest and face criminal proceedings and may end up with a criminal record. Sorry to be so blunt but there is no other way, think things over sensibly and carefully. If you are having problems meeting payments talk the finance co. be honest and say that you want to keep the car and ask if they will lower or freeze the repayments for a while. Ask also if they or you with permission can sell the vehicle and any outstanding balance be put down to a personal loan.
Reply:find another buyer to take loan over or refinance it in their name
Reply:I'm selling my Car on CraigsList.com...
Go there..
I seen alot of people saying "Take over my Payments".. And alot of people actually do... Good Luck!
Reply:Sell it outright by yourself and pay off the loan and what is left over you will need to come up with that difference.
Reply:you got to pay off finance first no other way
How to start a business called razor finance?
My husband has a small car lot, he looses a lot of business due to the fact that he can't finance the cars. So I want to start a finance company for slow credit customers.
How to start a business called razor finance?
The buy-here, pay-here car lot is often very successful if you adhere to one thing: when you sell the car, the down payment MUST cover what you have in it as well as tax and registration.
Payments beyond that sound like profit, but they're not. You'll need a reliable tow company. It's not unusual for a "tote a note" car lot to sell, repop, sell, repop, and sell a car several times.
Don't sell junk. When the car stops running, they stop paying.
Create a very secure area for cash handling. If the Friday afternoon crowd is dropping off fifties and hundreds, the Friday evening crowd will want it. Make sure you have a police escort to the bank.
Easiest way to start? Get a car. Down payment is $500, and a $70 payment a week for a year. You have the title, you see the customer every Friday.
You have to be hard nosed. The sob stories will break you heart, but don't let them break your bank.
Good luck! - Stuart
Reply:its a good idea!
floral
How to start a business called razor finance?
The buy-here, pay-here car lot is often very successful if you adhere to one thing: when you sell the car, the down payment MUST cover what you have in it as well as tax and registration.
Payments beyond that sound like profit, but they're not. You'll need a reliable tow company. It's not unusual for a "tote a note" car lot to sell, repop, sell, repop, and sell a car several times.
Don't sell junk. When the car stops running, they stop paying.
Create a very secure area for cash handling. If the Friday afternoon crowd is dropping off fifties and hundreds, the Friday evening crowd will want it. Make sure you have a police escort to the bank.
Easiest way to start? Get a car. Down payment is $500, and a $70 payment a week for a year. You have the title, you see the customer every Friday.
You have to be hard nosed. The sob stories will break you heart, but don't let them break your bank.
Good luck! - Stuart
Reply:its a good idea!
floral
Ideas for a Finance specific regression analyis?
I am assigned to do a regression analysis of several sets of data to test hypotheses about relationships between them. It must be Finance-specific. My professor has already shot down my first 2 ideas, so I need some suggestions! Thank you!
Ideas for a Finance specific regression analyis?
A) Is company A correlated to Index B in an X% probability test over period Y?
B) Is an Index B over a time period autoregressive over time period Y.
C) Is Company's A's stock perform heteroskedastic over time period Y?
Ideas for a Finance specific regression analyis?
A) Is company A correlated to Index B in an X% probability test over period Y?
B) Is an Index B over a time period autoregressive over time period Y.
C) Is Company's A's stock perform heteroskedastic over time period Y?
What is the best way for me to get into the field of Finance?
I am currently working on getting my bachelors in finance. I presently am working as an electrician and I am looking for any ideas on the best way for me to get into this field. My goals are to eventually run my own buisness. My interest right now is in corporate finance, although I am very open minded to any other area. Any advice will be helpful. Thanks.
What is the best way for me to get into the field of Finance?
To get the job you want it is based on who you know and not what you know. I would network with people, go to the career fairs, talk to your professors, career services, deans, etc. They all should know you by your first name! Make it such that your name is the first name on every ones mind when a job comes up! Here is a scenario: You plan on opening up a business, would you hire someone off the streets from a resume sent in for your finance manager position or would you offer the job to someone that comes highly recommend by one of your business associates whose opinion your value and respect? Again, it is not what you know but who you know!
Reply:You need to bring up your GPA average so you'll have a better chance of getting in it. Try to find activities related to that field. It could help you have a idea of what your getting yourself into.
Reply:Get an internship with a good finance company, or a bank.
What is the best way for me to get into the field of Finance?
To get the job you want it is based on who you know and not what you know. I would network with people, go to the career fairs, talk to your professors, career services, deans, etc. They all should know you by your first name! Make it such that your name is the first name on every ones mind when a job comes up! Here is a scenario: You plan on opening up a business, would you hire someone off the streets from a resume sent in for your finance manager position or would you offer the job to someone that comes highly recommend by one of your business associates whose opinion your value and respect? Again, it is not what you know but who you know!
Reply:You need to bring up your GPA average so you'll have a better chance of getting in it. Try to find activities related to that field. It could help you have a idea of what your getting yourself into.
Reply:Get an internship with a good finance company, or a bank.
How can I find a very low auto finance rate for a new car from a franchised dealership?
How can I find a very low auto finance rate? My credit union is 5%+, costco is 4.94%, and eloan is 6.99%+!! The dealership was offering 2.9%, but that ended on July 7th. That's the type of rate I'm looking for. Does anyone have any ideas that I may not have thought of? Home equity loan is not an option, BTW.
How can I find a very low auto finance rate for a new car from a franchised dealership?
try this source http://www.carloan123.net may you find helpful.
Reply:Wait until another "Zero percent for 72 months" promotion comes up. It will.
Reply:Hi, mate. This is a good reference around global finance. Download free magazine only from this url http://homeprofitsguide.tradepub.com/c/p...
Global Finance delivers the full story; corporate finance, joint ventures and M%26amp;A, country profiles, capital markets, investor relations, currencies, banking, risk management, custody, direct investment, money management and all the rest-specifically tailored for corporate readers around the world. http://homeprofitsguide.tradepub.com/c/p...
How can I find a very low auto finance rate for a new car from a franchised dealership?
try this source http://www.carloan123.net may you find helpful.
Reply:Wait until another "Zero percent for 72 months" promotion comes up. It will.
Reply:Hi, mate. This is a good reference around global finance. Download free magazine only from this url http://homeprofitsguide.tradepub.com/c/p...
Global Finance delivers the full story; corporate finance, joint ventures and M%26amp;A, country profiles, capital markets, investor relations, currencies, banking, risk management, custody, direct investment, money management and all the rest-specifically tailored for corporate readers around the world. http://homeprofitsguide.tradepub.com/c/p...
How does Finance play or relate to Economics?
Is there a such thing? Can you explain some ways or one way Finance plays into Economics. Thanks.
How does Finance play or relate to Economics?
Finance is about money and investments. Economics includes an analysis of money, banking, and investment.
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How does Finance play or relate to Economics?
Finance is about money and investments. Economics includes an analysis of money, banking, and investment.
purchase flowers
Can my auto finance call all my references and discuss my personal information with them?
So i didnt pay my car loan for 2 months . So my finance company decided to call of my references , dad , brother , landlord! diclosing information. are they aloud to do that?
Can my auto finance call all my references and discuss my personal information with them?
Yes. You signed an agreement and basically that's the whole reason you gave out that information. Ask for a copy of your contract, they'll be happy to point it out.
Reply:Actually, I recently financed a vehicle from "Credit Assistance." Given, the company contacted my references, but did not disclose any "PERSONAL" information with them.
Basic questions was asked. For example, how long have you known Ms.? Is she/he responsible?..etc.
If you were honest on your application, you should have no serious concerns.
Can my auto finance call all my references and discuss my personal information with them?
Yes. You signed an agreement and basically that's the whole reason you gave out that information. Ask for a copy of your contract, they'll be happy to point it out.
Reply:Actually, I recently financed a vehicle from "Credit Assistance." Given, the company contacted my references, but did not disclose any "PERSONAL" information with them.
Basic questions was asked. For example, how long have you known Ms.? Is she/he responsible?..etc.
If you were honest on your application, you should have no serious concerns.
Where should a finance-savvy senior in highschool go for an internship?
I'd really like to be a part of the financial world in some way. I intend to major in finance or economics (specifically working with investments and securities) but i'd like to get a head start by at least working in a financial environment. Any suggestions as to the type of place that might give me a chance?
Also, what is MD law regarding age of bank employees?
Where should a finance-savvy senior in highschool go for an internship?
See if you can be an intern in a bank, brokerage firm or an insurance company./
Also, what is MD law regarding age of bank employees?
Where should a finance-savvy senior in highschool go for an internship?
See if you can be an intern in a bank, brokerage firm or an insurance company./
To teach business/ finance at the university level how important is the school you earned the PHD from?
I'm thinking of changing of careers to univeristy professor. I have a masters degree in finance from Golden Gate university. I have an undergraduate degree from a UC. I was thinking of trying for a PHD. How important is the school I earn the PHD from in regards to finding positions? For example if I went through an accredited but online based PHD program like would that still afford me the similar opportunities? I like the convenience of online work. I guess I'm basically asking if any accredited PHD program will do the trick or if it is only highly regarded insitutions are that marketable? I'm thinking of positions with cal state schools or similar schools.
To teach business/ finance at the university level how important is the school you earned the PHD from?
Where you get your PhD is of the utmost importance. It's absolutely vital. To have the best chance of employment, you want to go to the best reputed program that you can get into. An online PhD will not get you a job at a reputable university, not as a professor.
And you want to apply to the best programs in your particular field, regardless of the reputation of the overall university. This applies to all PhDs, not just business.
To get the best view of this, start by trolling the websites for the universities where you think you may want to work. Notice where their faculty obtained their PhDs, and in what fields. That'll give you an inkling.
Then move on. Scan the faculty pages at the top 20-30 schools in your subject area and check where they obtained their PhDs.
The nice thing about getting a PhD in a business field is that it'll probably be free. You usually get a stipend to cover your tuition.
Reply:I have met a couple of assistant professors (not tenured) who got their doctorate degrees from online schools, so yes, it is possible for you to get a job offer with a phd from an online university. However, these professors had tons of work experience in their teaching fields. I believe that where you go to school does matter, but even more important is your standing in your field - how much research you have conducted, your mentors, your publications, your seminars, your dissertation and any teaching experience you may have under your belt.
To teach business/ finance at the university level how important is the school you earned the PHD from?
Where you get your PhD is of the utmost importance. It's absolutely vital. To have the best chance of employment, you want to go to the best reputed program that you can get into. An online PhD will not get you a job at a reputable university, not as a professor.
And you want to apply to the best programs in your particular field, regardless of the reputation of the overall university. This applies to all PhDs, not just business.
To get the best view of this, start by trolling the websites for the universities where you think you may want to work. Notice where their faculty obtained their PhDs, and in what fields. That'll give you an inkling.
Then move on. Scan the faculty pages at the top 20-30 schools in your subject area and check where they obtained their PhDs.
The nice thing about getting a PhD in a business field is that it'll probably be free. You usually get a stipend to cover your tuition.
Reply:I have met a couple of assistant professors (not tenured) who got their doctorate degrees from online schools, so yes, it is possible for you to get a job offer with a phd from an online university. However, these professors had tons of work experience in their teaching fields. I believe that where you go to school does matter, but even more important is your standing in your field - how much research you have conducted, your mentors, your publications, your seminars, your dissertation and any teaching experience you may have under your belt.
What math would I need to take for economics and finance?
I'm thinking about double majoring in finance and economics. I know I need one level of calculus. What other types of math would I need to benefit myself and would I need calculus II and III? Thanks in advance.
What math would I need to take for economics and finance?
At a minimum, you should have calculus I and II.
After that, a semester of stastics or econometrics would be important.
From there, it depends. If you are really interested in mathematical economics or mathematical finance, you would want to to take calculus III, and an introduction to ordinary differential equations.
For graduate level work in economics you might take real analysis, and perhaps linear algebra. Graduate level work in mathematical finance would require some knowledge of probability and stochastic processes.
Reply:Calculus, most definately!
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What math would I need to take for economics and finance?
At a minimum, you should have calculus I and II.
After that, a semester of stastics or econometrics would be important.
From there, it depends. If you are really interested in mathematical economics or mathematical finance, you would want to to take calculus III, and an introduction to ordinary differential equations.
For graduate level work in economics you might take real analysis, and perhaps linear algebra. Graduate level work in mathematical finance would require some knowledge of probability and stochastic processes.
Reply:Calculus, most definately!
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What are the jobs that MBA finance people do in USA?
i am planning to do MBA in finance and want to start a job in that field. what job would be good and how to find that?
Is temp agencies good or internships good?
I am changing my career from sales to Finance.
What are the jobs that MBA finance people do in USA?
Wow. Sales to finance -- that's a huge switch. And the skill sets and personality requirements are so different. Two different worlds:
Sales -- determined, outgoing, not easily discouraged, dominant, can roll and flex around people, likes change
Finance -- detailed, meticulous, rule follower, accurate, not comfortable with change
Which are you? Sounds more like you need career counseling. The school where you are doing your MBA should be able to provide personality profiling or temperament analysis.
I encourage you to move your career to be in the middle of your gift mix. Doing what you are naturally equipped to do makes you so much better and the job more rewarding. It would be a shame to get your MBA only to discover you hate the routine of accounting!
Good luck
Craig
Reply:CEOs.
Is temp agencies good or internships good?
I am changing my career from sales to Finance.
What are the jobs that MBA finance people do in USA?
Wow. Sales to finance -- that's a huge switch. And the skill sets and personality requirements are so different. Two different worlds:
Sales -- determined, outgoing, not easily discouraged, dominant, can roll and flex around people, likes change
Finance -- detailed, meticulous, rule follower, accurate, not comfortable with change
Which are you? Sounds more like you need career counseling. The school where you are doing your MBA should be able to provide personality profiling or temperament analysis.
I encourage you to move your career to be in the middle of your gift mix. Doing what you are naturally equipped to do makes you so much better and the job more rewarding. It would be a shame to get your MBA only to discover you hate the routine of accounting!
Good luck
Craig
Reply:CEOs.
How much of an advantage to have a masters in finance opposed to just a bachelors?
I am going into my sophomore year of college with a major of finance. A lot of jobs are open to people with just a bachelors. I was wondering if it is a lot easier to find a job and if the pay is much different. Thanks
How much of an advantage to have a masters in finance opposed to just a bachelors?
about $300,000 in income difference over a lifetime... or MORE.... worth the Masters FOR SURE!!!!!
How much of an advantage to have a masters in finance opposed to just a bachelors?
about $300,000 in income difference over a lifetime... or MORE.... worth the Masters FOR SURE!!!!!
For the experts: Name the two most important principles of finance?
Having an interesting disscussion with someone who claims to be a CPA for 30 years and can't name them.
To be fair to him, I will ask the business and finance community what they think the two most important principles are. Your opinion, and maybe I will learn something new for myself in the answers.
For the experts: Name the two most important principles of finance?
There are sooo many answers to that, depending on the category you're asking about.
CPAs - Debits on the left, credits on the right
Investing - Buy low, sell high
Planning - Save early, save often
Reply:make a profit and dont lose money
Reply:Debits on the left, and credits on the right..
Reply:(Sings) Neither a borrower nor a lender be,
Do not forget: Stay out of debt; Think twice, and take this
good advice from me, Guard that old solvency. There’s just
one other thing you ought to do. To thine own self be true.
[Enter entire cast]
ALL:
(Sing)
Neither a borrower nor a lender be,
Do not forget: Stay out of debt;
Think twice, and take this good advice from me,
Guard that old solvency.
There’s just one other thing you ought to do,
To thine own self be true.
To be fair to him, I will ask the business and finance community what they think the two most important principles are. Your opinion, and maybe I will learn something new for myself in the answers.
For the experts: Name the two most important principles of finance?
There are sooo many answers to that, depending on the category you're asking about.
CPAs - Debits on the left, credits on the right
Investing - Buy low, sell high
Planning - Save early, save often
Reply:make a profit and dont lose money
Reply:Debits on the left, and credits on the right..
Reply:(Sings) Neither a borrower nor a lender be,
Do not forget: Stay out of debt; Think twice, and take this
good advice from me, Guard that old solvency. There’s just
one other thing you ought to do. To thine own self be true.
[Enter entire cast]
ALL:
(Sing)
Neither a borrower nor a lender be,
Do not forget: Stay out of debt;
Think twice, and take this good advice from me,
Guard that old solvency.
There’s just one other thing you ought to do,
To thine own self be true.
Need advice on what to career to pursue with a finance degree?
I am a recent graduate of a tier three school, with a degree in finance. I currently have no experience, so I am basically in the entry level status. Anyways, I would love to pursue an analyst position or possibly get involved with budgeting/forecasting. I guess you could say those are my goals. I still havent truly decided what I want to do. I have interviewed and thought about some possible jobs, I just dont know what is going to get me the experience I need. I dont want dead end experience.
Work in Retail Banking - I have purused personal banker positions, but most are telling me to start out as a teller!
Work in Mortgage Origination - this is with a bank that specializes in mortgages (Indymac Bank) Offered me a position, but its hourly.
Basically im trying to get a job thats not necessarily glamorous paying the big bucks, but instead allows me to develop good work ethic, with the possibility to learn and grown and mold myself into a essential player in society!
Need advice on what to career to pursue with a finance degree?
First, congrats in completing your degree. That takes discipline and comitment.
Well, maybe what I am sharing can help you. There are plenty of organisations - community organisations who need help and pay too for someone who has your knowledge and skills within the financial world.
You see, a financial degree and a person in that world isn't just someone with financial experiences but can also be a leader, someone of vision and someone who can also point out things many can't see. This can make or break a company, an organisation.
Many get into a lot of problems because they cannot manage, have a system of getting all their financial challenges or work into a system, Many also can't even start their organisation or business because of lack of knowledge in forcasting, developing a business plan. You mate, are in the right time and era because your skills are definitely needed.
Community organisations are not just chairty organisations but can be a social entreprise that are building vision and the pay is not that good - 25k but it can lead to also 45k if in director position. But better still, you can freelance your work to diverse organisations if you are willing to go to their meetings and get them to know you.
The advantage of this is:
1. You will meet people who want to make a different.
2. You will meet people who have projects, organisations and always developing ideas and need business plans, forcasting knowledge.
3. You will meet people who always spread the word if your skills are good.
4. You will FEEL respected and work in a worthy cause, and have opportunity to grow, into an essential leader and player within a growing industry.
Here though are some other careers you can get into:
Financial Analyst
As part of our Analytics team you will be a subject expert in finance and accounting, and take the lead in building strong relationships with finance teams across the business at both a Group and International level. You will analyse, interpret and communicate spend data, and provide financial analysis on a wide range of complex technical and business issues. You’ll be responsible for ensuring that the spend figures presented to the businesses are robust and fit for purpose. Working closely with the Category analysts, you’ll support with financial analysis on individual companies, providing a view on their prospects. You’ll support Group’s reporting on the financial stability of key suppliers, and support budget preparation and maintenance, be that for business groups as a whole or on individual projects.
Wage can be from 35kto 50k a year
You'll need to have:
At least part qualified as an ACA, CIMA or an equivalent professional accounting qualification, you are fully conversant with ERP/GL systems, ideally SAP R/3. Naturally you have strong analytical and interpretation skills, able to build and deploy financial models, as well as perform variance analysis. Experienced in working with senior management, you are a strong relationship builder and able to communicate numbers in a commercial context with a track record in delivering to tight deadlines under pressure. An expert level of MS Excel is a must, and experience of international accounting and sourcing/supply chain would be advantageous.
Product Controller - 50k to 65k
As a Product Controller your role will be based within the middle office facing off directly to all key business functions in addition to providing direct support to a specific trading desk. Your day to day duties will include; regular Product P%26amp;L production, analysis and commentary, direct liaison with front office traders to resolve outstanding issues, presenting reports to senior management and assessing new trading strategies.
To be considered for this role you will be from an accountancy practise background, ideally Big 4, and either be newly qualified or a passed finalist nearing completion of your training contract. You will have an excellent academic record and would have ideally audited Financial Services firms, gaining an understanding of financial products.
Financial Accountant - pay 55k - 60k
The role involves the production of full financial accounts in line with the latest international requirements including IAS, IFRS, UK %26amp; US GAAP. Additional duties will include fund accounts preparation and analysing off-shore trust activity.
To be considered for this role you will be a qualified accountant (ideally Chartered) with at least 2 years Financial Services experience gained within a similar role. In addition to a strong academic record, you will also possess advanced MS Excel skills and be comfortable liaising with senior management across the business.
Manager, Corporate Finance
And your responsibilities will range to these:
# Structure and execute corporate finance transactions, including mergers %26amp; acquisitions, valuations, and / or financial advisory assignments relating to Listing Rules and the Takeovers Codes
# Conduct detailed financial / valuation analysis
# Analyse and monitor changes in dynamics and regulatory environment of selected sectors (such as industrial products and consumer products) in Hong Kong and PRC
# Prepare pitch books, memorandums, agreements, initial term sheets and letters of intent
# Assist clients in due diligence exercises in Hong Kong and PRC
# Transaction structuring
# Participate in client meetings and provide support to new business
# Frequent travelling to work on cross-border M%26amp;A assignments
Experience:
# Excellent academic background preferably with a professional qualification in accounting/ CFA
# Minimum of 5 years' corporate finance experience (on financial or legal side) acquired with prestigious banks, professional firms and corporations
# Experience in handling public company engagements is an advantage
# Solid corporate finance knowledge and skills on relative and DCF valuation
# Proficiency in both spoken and written English and Chinese
# Good analytical, problem solving and presentation skills.
External Audit Senior Accountant
Responsibilities:
* Planning and scoping of audit and other engagements and managing budgets and delivering superior client service
* Maintain a portfolio of clients, managing multiple deadlines and further developing industry expertise
* Liaising directly with clients to identify and resolve issues and be involved in report writing and the identification of key risk areas
* As well as building relationships with clients lead and coach staff members to maximise their full potential
Qualifications/Experience:
* Academic qualification – Degree qualified
* Professional qualification – CA (or equivalent international qualification) preferably first time passes
* Demonstrable relationship building and client negotiation capabilities coupled with communication skills to deliver your ideas successfully
* A natural leader with a passion for supporting those around you.
There are so many worlds you can go into mate. It is all yours if you get magazines on the Financial World and mix with such people, to open your eyes to what is out there for you. You will only by being with them.
Here are just a few titles of what jobs available in market:
- Technology Security Risk Services – Senior Consultant
- Manager, Specialised Lending
- Performance Analyst
- Risk Control Administrator
- Trade Control Analyst
- Markets Advisory
- Financial Marketing and working with Marketing Team
- Public Sector Internal Auditor - London
These are just few. So as you can see, there is so many to choose.
Hope above helps.
Reply:Indymac Bank is no longer able to make loans. Pick another bank. Try B of A.
http://answers.yahoo.com/quest... Report Abuse
Reply:I hope someone out there has a good answer to this question, because I was in the same boat as you when I graduated and couldn't find a job to save my life, although I did find one eventually. I wound up working for the state government finally and now work for a taxpayer organization, where some of my work is analytical. I'm thinking about getting a law degree and doing tax law because there seem to be a lot of opportunities for that particularly with my current employer.
It may be worthwhile to start as a teller, looking back I may have done that if I had it to do over again. A neighbor of mine who was a high level manager for a bank told me that she started that way and that you can usually move out of it within a relatively short time (6 months to a year). At the time though, I thought being a teller after getting a degree in Finance would just be too humiliating.
Oh, and by the way, Comerica bank has a training program as does another bank ... I think it was Union Bank of California, but not totally sure on that second one. I was honestly too dejected to even apply to those two after being rejected from like 10 interviews.
But don't despair, after the 10 interviews I was hired as a financial advisor for a local financial planning company. (I went to work for the state later because I actually found government work to be more rewarding).
A lot of times, getting a job involves networking. Talk to you bishop/pastor/priest/rabbi and they may have contacts. Within my Church, people help each other out and they even hold job fairs and have an employment service for members that match us up with employers.
Somehow, it will work out. I'm a few years ahead of you with the same degree also from a third tier college. It was really hard when I first graduated but it worked out for me, it will for you too. I still look back on the experience and feel bad for the me then.
ginkgo
Work in Retail Banking - I have purused personal banker positions, but most are telling me to start out as a teller!
Work in Mortgage Origination - this is with a bank that specializes in mortgages (Indymac Bank) Offered me a position, but its hourly.
Basically im trying to get a job thats not necessarily glamorous paying the big bucks, but instead allows me to develop good work ethic, with the possibility to learn and grown and mold myself into a essential player in society!
Need advice on what to career to pursue with a finance degree?
First, congrats in completing your degree. That takes discipline and comitment.
Well, maybe what I am sharing can help you. There are plenty of organisations - community organisations who need help and pay too for someone who has your knowledge and skills within the financial world.
You see, a financial degree and a person in that world isn't just someone with financial experiences but can also be a leader, someone of vision and someone who can also point out things many can't see. This can make or break a company, an organisation.
Many get into a lot of problems because they cannot manage, have a system of getting all their financial challenges or work into a system, Many also can't even start their organisation or business because of lack of knowledge in forcasting, developing a business plan. You mate, are in the right time and era because your skills are definitely needed.
Community organisations are not just chairty organisations but can be a social entreprise that are building vision and the pay is not that good - 25k but it can lead to also 45k if in director position. But better still, you can freelance your work to diverse organisations if you are willing to go to their meetings and get them to know you.
The advantage of this is:
1. You will meet people who want to make a different.
2. You will meet people who have projects, organisations and always developing ideas and need business plans, forcasting knowledge.
3. You will meet people who always spread the word if your skills are good.
4. You will FEEL respected and work in a worthy cause, and have opportunity to grow, into an essential leader and player within a growing industry.
Here though are some other careers you can get into:
Financial Analyst
As part of our Analytics team you will be a subject expert in finance and accounting, and take the lead in building strong relationships with finance teams across the business at both a Group and International level. You will analyse, interpret and communicate spend data, and provide financial analysis on a wide range of complex technical and business issues. You’ll be responsible for ensuring that the spend figures presented to the businesses are robust and fit for purpose. Working closely with the Category analysts, you’ll support with financial analysis on individual companies, providing a view on their prospects. You’ll support Group’s reporting on the financial stability of key suppliers, and support budget preparation and maintenance, be that for business groups as a whole or on individual projects.
Wage can be from 35kto 50k a year
You'll need to have:
At least part qualified as an ACA, CIMA or an equivalent professional accounting qualification, you are fully conversant with ERP/GL systems, ideally SAP R/3. Naturally you have strong analytical and interpretation skills, able to build and deploy financial models, as well as perform variance analysis. Experienced in working with senior management, you are a strong relationship builder and able to communicate numbers in a commercial context with a track record in delivering to tight deadlines under pressure. An expert level of MS Excel is a must, and experience of international accounting and sourcing/supply chain would be advantageous.
Product Controller - 50k to 65k
As a Product Controller your role will be based within the middle office facing off directly to all key business functions in addition to providing direct support to a specific trading desk. Your day to day duties will include; regular Product P%26amp;L production, analysis and commentary, direct liaison with front office traders to resolve outstanding issues, presenting reports to senior management and assessing new trading strategies.
To be considered for this role you will be from an accountancy practise background, ideally Big 4, and either be newly qualified or a passed finalist nearing completion of your training contract. You will have an excellent academic record and would have ideally audited Financial Services firms, gaining an understanding of financial products.
Financial Accountant - pay 55k - 60k
The role involves the production of full financial accounts in line with the latest international requirements including IAS, IFRS, UK %26amp; US GAAP. Additional duties will include fund accounts preparation and analysing off-shore trust activity.
To be considered for this role you will be a qualified accountant (ideally Chartered) with at least 2 years Financial Services experience gained within a similar role. In addition to a strong academic record, you will also possess advanced MS Excel skills and be comfortable liaising with senior management across the business.
Manager, Corporate Finance
And your responsibilities will range to these:
# Structure and execute corporate finance transactions, including mergers %26amp; acquisitions, valuations, and / or financial advisory assignments relating to Listing Rules and the Takeovers Codes
# Conduct detailed financial / valuation analysis
# Analyse and monitor changes in dynamics and regulatory environment of selected sectors (such as industrial products and consumer products) in Hong Kong and PRC
# Prepare pitch books, memorandums, agreements, initial term sheets and letters of intent
# Assist clients in due diligence exercises in Hong Kong and PRC
# Transaction structuring
# Participate in client meetings and provide support to new business
# Frequent travelling to work on cross-border M%26amp;A assignments
Experience:
# Excellent academic background preferably with a professional qualification in accounting/ CFA
# Minimum of 5 years' corporate finance experience (on financial or legal side) acquired with prestigious banks, professional firms and corporations
# Experience in handling public company engagements is an advantage
# Solid corporate finance knowledge and skills on relative and DCF valuation
# Proficiency in both spoken and written English and Chinese
# Good analytical, problem solving and presentation skills.
External Audit Senior Accountant
Responsibilities:
* Planning and scoping of audit and other engagements and managing budgets and delivering superior client service
* Maintain a portfolio of clients, managing multiple deadlines and further developing industry expertise
* Liaising directly with clients to identify and resolve issues and be involved in report writing and the identification of key risk areas
* As well as building relationships with clients lead and coach staff members to maximise their full potential
Qualifications/Experience:
* Academic qualification – Degree qualified
* Professional qualification – CA (or equivalent international qualification) preferably first time passes
* Demonstrable relationship building and client negotiation capabilities coupled with communication skills to deliver your ideas successfully
* A natural leader with a passion for supporting those around you.
There are so many worlds you can go into mate. It is all yours if you get magazines on the Financial World and mix with such people, to open your eyes to what is out there for you. You will only by being with them.
Here are just a few titles of what jobs available in market:
- Technology Security Risk Services – Senior Consultant
- Manager, Specialised Lending
- Performance Analyst
- Risk Control Administrator
- Trade Control Analyst
- Markets Advisory
- Financial Marketing and working with Marketing Team
- Public Sector Internal Auditor - London
These are just few. So as you can see, there is so many to choose.
Hope above helps.
Reply:Indymac Bank is no longer able to make loans. Pick another bank. Try B of A.
http://answers.yahoo.com/quest... Report Abuse
Reply:I hope someone out there has a good answer to this question, because I was in the same boat as you when I graduated and couldn't find a job to save my life, although I did find one eventually. I wound up working for the state government finally and now work for a taxpayer organization, where some of my work is analytical. I'm thinking about getting a law degree and doing tax law because there seem to be a lot of opportunities for that particularly with my current employer.
It may be worthwhile to start as a teller, looking back I may have done that if I had it to do over again. A neighbor of mine who was a high level manager for a bank told me that she started that way and that you can usually move out of it within a relatively short time (6 months to a year). At the time though, I thought being a teller after getting a degree in Finance would just be too humiliating.
Oh, and by the way, Comerica bank has a training program as does another bank ... I think it was Union Bank of California, but not totally sure on that second one. I was honestly too dejected to even apply to those two after being rejected from like 10 interviews.
But don't despair, after the 10 interviews I was hired as a financial advisor for a local financial planning company. (I went to work for the state later because I actually found government work to be more rewarding).
A lot of times, getting a job involves networking. Talk to you bishop/pastor/priest/rabbi and they may have contacts. Within my Church, people help each other out and they even hold job fairs and have an employment service for members that match us up with employers.
Somehow, it will work out. I'm a few years ahead of you with the same degree also from a third tier college. It was really hard when I first graduated but it worked out for me, it will for you too. I still look back on the experience and feel bad for the me then.
ginkgo
What can I do with a Business Management with a Finance minor degree?
I am currently going to school for a Business Management Degree with a Finance Minor. I am not sure yet what I want to do once I get to Grad School.
What can I do with Business Degree? What types of things can I do? Any ideas?
What can I do with a Business Management with a Finance minor degree?
Banking, Finance companies, Accounting companies, Tax offices, Fed Govt, etc.
That's a complex degree to go for without knowing what to do with it. Are you sure that's the field you want?
Reply:work in a supermarket or sign on.
What can I do with Business Degree? What types of things can I do? Any ideas?
What can I do with a Business Management with a Finance minor degree?
Banking, Finance companies, Accounting companies, Tax offices, Fed Govt, etc.
That's a complex degree to go for without knowing what to do with it. Are you sure that's the field you want?
Reply:work in a supermarket or sign on.
Why is teaching Shakespear important? As in compared to personal finance as a school subject?
I think that schools should teach personal finance because it is something we ALL use. I have never used Beolulf or any lituarture read in school. Maybe no one told me why it is so improtant.
Why is teaching Shakespear important? As in compared to personal finance as a school subject?
i don't mind the actual shakespeare, it's actually kind of enjoyable
so are the poems and novels and the stuff of english that require you to use your imagination.
but as for going into an exam, or for homework, and writing out loads of shite about the relationship between Romeo and Mercutio and how that affected the overall plot of the play or how justice is important to Scout etc....
it's awful
it serves no purpose at all
the only use i've found since sitting the exam for that stuff is helping someone on YA with the same stuff.
and in my country we learn our native language too, as it's been driven to near-extinction by the english. but instead of learning how to read, write and speak the language, we do poems and stories in it, thus allowing us to leave school not knowing a word of it. and the government are wondering why it's going extinct......
Reply:Both are important for a well rounded Education , English Lit gives you an appreciation for Literature . Personal Finance is Very Important , you would not believe the people I know that can not balance a check book , when I was in the Military I had a young troop whom I was his reporting Sgt , He bounced 5 checks , He had to attend a Finance Class when I asked him why He bounced the Checks He told me He did not know how to balance a Check Book . He was 20 years Old .
Reply:I think *both* are important. Shakespeare teaches about abstract thought, disciplined poetry, love, humanity, hate, guilt- all things that are very useful to talk about and study. Yes, personal finance need to be up there on the list, too!
Reply:I never learned about Shakesphere and I turned out just fine. And what about Algebra for that matter? lol
Reply:I agree. My sister is an English professor.
We have this argument all the time.
Why is teaching Shakespear important? As in compared to personal finance as a school subject?
i don't mind the actual shakespeare, it's actually kind of enjoyable
so are the poems and novels and the stuff of english that require you to use your imagination.
but as for going into an exam, or for homework, and writing out loads of shite about the relationship between Romeo and Mercutio and how that affected the overall plot of the play or how justice is important to Scout etc....
it's awful
it serves no purpose at all
the only use i've found since sitting the exam for that stuff is helping someone on YA with the same stuff.
and in my country we learn our native language too, as it's been driven to near-extinction by the english. but instead of learning how to read, write and speak the language, we do poems and stories in it, thus allowing us to leave school not knowing a word of it. and the government are wondering why it's going extinct......
Reply:Both are important for a well rounded Education , English Lit gives you an appreciation for Literature . Personal Finance is Very Important , you would not believe the people I know that can not balance a check book , when I was in the Military I had a young troop whom I was his reporting Sgt , He bounced 5 checks , He had to attend a Finance Class when I asked him why He bounced the Checks He told me He did not know how to balance a Check Book . He was 20 years Old .
Reply:I think *both* are important. Shakespeare teaches about abstract thought, disciplined poetry, love, humanity, hate, guilt- all things that are very useful to talk about and study. Yes, personal finance need to be up there on the list, too!
Reply:I never learned about Shakesphere and I turned out just fine. And what about Algebra for that matter? lol
Reply:I agree. My sister is an English professor.
We have this argument all the time.
How does a Finance Person at an Auto Dealer Make their Money?
Is it commission only, a base + commission, or base salary. The position I applied for is an entry level finance rep. Also, how is the work?
How does a Finance Person at an Auto Dealer Make their Money?
Base + commission
Long hours, lots of pressure
High pressure job
How does a Finance Person at an Auto Dealer Make their Money?
Base + commission
Long hours, lots of pressure
High pressure job
How can a non-US citizen like me get a finance related job in the US next year?
I have 1 year financial analyst experience in Korea. I've heard it's really hard to get a work permit til Oct. 2007 due to some laws. I also know I need sponsorship from companies. But will there be any companies wanting to sponsor me? I have finance certificates and experience but looks like it's too competitive to get in, and also too hard to get the visa.
How can a non-US citizen like me get a finance related job in the US next year?
You need to prove to the company that you actually are worth going through all the hassles and expenses of sponsoring an alien.
Finance is not as in high demand jobs for foreign workers as compared to nursing, but it is definitely possible. Some strategies you can do:
1. Study MBA in the US, and then apply to a finance company. Companies are more likely to consider you if you have advanced degrees and if you have US education.
I have a friend from the Philippines who studied MBA in one of the Ivy League universities in the US and got an investment analyst position. He's now the VP of the investment company.
2. Go to the US as a tourist, and while here explore employment opportunities. Companies are not likely to interview you if you are based in Korea (unless you are extra special that they are willing to fly to you or fly you to the US for the interview). If you can stay here in the US for several months, that can give you enough time to submit your resume and get interviews.
3. Try Korean companies. They may be more likely to help a compatriot get a job in the US and may sponsor you. Try to apply for jobs that specifically look for knowledge in Asian finance,
Reply:You sound like a very smart and bright individual and I would believe that you would be an asset to any corporate business. Sponsorship shouldn't be a problem since you are in the process of naturalization and are willing to do whatever it takes to success in this country, and corporate America. Don't know too much about the visa thing but your ambitions will pave your way to a successful citizenship with patience and diligent effort. Keep your chin up! Ask your local community colleges, city or county clerk offices or even try an I.N.S. bureau about your query with sponsorships. Believe in yourself and anything will be possible! Continued success and good luck!
Reply:Learn Spanish
Reply:I would check with Korea-based companies with a large presence in the US. There is no shortage of financial analysts generally in the US. But your being familiar with the Korean culture could be a leg up in a Korea based company.
Reply:You might want to start working in a financial company in Korea that has offices in the US, or American companies in Korea. Once you're in, it'll be easier for you to transfer around, especially if your work quality is impressive. It is hard if you've never had any work experience in the US and if you have only had one year work experience, since US companies would only sponsor someone that they can't find in the US. A lot of fresh college graduates have what you're having and they're Americans, so the companies will choose them over you.
azalea tree
How can a non-US citizen like me get a finance related job in the US next year?
You need to prove to the company that you actually are worth going through all the hassles and expenses of sponsoring an alien.
Finance is not as in high demand jobs for foreign workers as compared to nursing, but it is definitely possible. Some strategies you can do:
1. Study MBA in the US, and then apply to a finance company. Companies are more likely to consider you if you have advanced degrees and if you have US education.
I have a friend from the Philippines who studied MBA in one of the Ivy League universities in the US and got an investment analyst position. He's now the VP of the investment company.
2. Go to the US as a tourist, and while here explore employment opportunities. Companies are not likely to interview you if you are based in Korea (unless you are extra special that they are willing to fly to you or fly you to the US for the interview). If you can stay here in the US for several months, that can give you enough time to submit your resume and get interviews.
3. Try Korean companies. They may be more likely to help a compatriot get a job in the US and may sponsor you. Try to apply for jobs that specifically look for knowledge in Asian finance,
Reply:You sound like a very smart and bright individual and I would believe that you would be an asset to any corporate business. Sponsorship shouldn't be a problem since you are in the process of naturalization and are willing to do whatever it takes to success in this country, and corporate America. Don't know too much about the visa thing but your ambitions will pave your way to a successful citizenship with patience and diligent effort. Keep your chin up! Ask your local community colleges, city or county clerk offices or even try an I.N.S. bureau about your query with sponsorships. Believe in yourself and anything will be possible! Continued success and good luck!
Reply:Learn Spanish
Reply:I would check with Korea-based companies with a large presence in the US. There is no shortage of financial analysts generally in the US. But your being familiar with the Korean culture could be a leg up in a Korea based company.
Reply:You might want to start working in a financial company in Korea that has offices in the US, or American companies in Korea. Once you're in, it'll be easier for you to transfer around, especially if your work quality is impressive. It is hard if you've never had any work experience in the US and if you have only had one year work experience, since US companies would only sponsor someone that they can't find in the US. A lot of fresh college graduates have what you're having and they're Americans, so the companies will choose them over you.
azalea tree
Can you work at an accounting firm with a finance degree?
I'm graduating in finance and an accounting CPA firm asked me to interview with them (small firm of about 60). I have only taken 12 hrs of accounting (2 beginner and 2 intermediate classes but they were a while ago and I only know the basics). Would I be able to cut it in an accounting position there? And also, what would I be doing? I ask this cus the interview is 3 days away and a 3 hour drive and want to make sure it is worth it and I actually know and like what I would be doing. Thanks.
Can you work at an accounting firm with a finance degree?
Yep you can. But be aware that you will be behind others and have to make up for it especially if you need to take and pass the CPA exam. I worked wth people who had English degrees for God's sake, lol. Depending on the firm you could be doing audits, write ups (bookkeeping) or taxes. Audits would be the easiest transition since that is mostly common sense and business knowledge.
Can you work at an accounting firm with a finance degree?
Yep you can. But be aware that you will be behind others and have to make up for it especially if you need to take and pass the CPA exam. I worked wth people who had English degrees for God's sake, lol. Depending on the firm you could be doing audits, write ups (bookkeeping) or taxes. Audits would be the easiest transition since that is mostly common sense and business knowledge.
How do you Advertise your web page on yahoo finance?
How can I advertise my web page on yahoo finance, or would it be better to advertise somewhere else?
How do you Advertise your web page on yahoo finance?
start out with scottrade.com/forex.com/answers.com and WARREN BUFFERT.COM! GOOD IDEA AND GOODLUCK!
Reply:You are not supposed to.
How do you Advertise your web page on yahoo finance?
start out with scottrade.com/forex.com/answers.com and WARREN BUFFERT.COM! GOOD IDEA AND GOODLUCK!
Reply:You are not supposed to.
What are some things that I can do on my own to prepare for accounting and finance classes?
I don't have any accounting or finance classes until next spring, but I wanted to get a head start on some of the things I would be doing in them. What are some ways that I can prepare on my own ?
What are some things that I can do on my own to prepare for accounting and finance classes?
Practice what you preach. If you don't already, start budgeting. Get your finances in good/great shape and do all the things you know a good financial rep. would tell someone to do. Handle your debt wisely, check out banking options, investing options, find out what your bank and other banks offer and ask them what it all means. Meet with a financial advisor and ask a lot of questions or ask them what questions to ask. Check out Dave Ramsey, Susie Orman, all the big wigs. What are they saying is the right thing to do. I know I keep hearing about gold and silver as investments. Find out what thats about. And of course, read up on accounting as a job. Know what your getting into before going all the way. I've heard its boring, but there is a lot to it and a deffinate market for it.
What are some things that I can do on my own to prepare for accounting and finance classes?
Practice what you preach. If you don't already, start budgeting. Get your finances in good/great shape and do all the things you know a good financial rep. would tell someone to do. Handle your debt wisely, check out banking options, investing options, find out what your bank and other banks offer and ask them what it all means. Meet with a financial advisor and ask a lot of questions or ask them what questions to ask. Check out Dave Ramsey, Susie Orman, all the big wigs. What are they saying is the right thing to do. I know I keep hearing about gold and silver as investments. Find out what thats about. And of course, read up on accounting as a job. Know what your getting into before going all the way. I've heard its boring, but there is a lot to it and a deffinate market for it.
How is the online application process on the Student Finance Direct website?
I’m a 2nd year undergraduate and as such am contemplating whether to submit my application for Student Finance via their website or whether just to stick with the paper application, as I have done so in the past.
How is the application process? Can you save and go back to completing the form online? How do you prove your identity, that is do they require any identification to be sent?
How is the online application process on the Student Finance Direct website?
I've done it online twice now, and I never had any problem -it's useful if you're starting a course, because it will remember some of your details when you have to reapply the next year, but you will still need to prove your identity (with a passport or birth certificate) and support the application by sending things through the post (proof of income from you or a parent etc).
I've never used the paper application so I couldn't say if it's easier, and I also can't remember if you can save your progress in the middle of filling out the application, -but you probably can because they have broken it down into a number of different sections.
The only problem I had was last year, when I tried to apply when they first opened the online form, and I think their server got really busy, but other than that everything was fine.
Reply:My Son tried to use that a couple of years back and never succeeded because the code they sent him did not work... but worth trying I expect......
lily
How is the application process? Can you save and go back to completing the form online? How do you prove your identity, that is do they require any identification to be sent?
How is the online application process on the Student Finance Direct website?
I've done it online twice now, and I never had any problem -it's useful if you're starting a course, because it will remember some of your details when you have to reapply the next year, but you will still need to prove your identity (with a passport or birth certificate) and support the application by sending things through the post (proof of income from you or a parent etc).
I've never used the paper application so I couldn't say if it's easier, and I also can't remember if you can save your progress in the middle of filling out the application, -but you probably can because they have broken it down into a number of different sections.
The only problem I had was last year, when I tried to apply when they first opened the online form, and I think their server got really busy, but other than that everything was fine.
Reply:My Son tried to use that a couple of years back and never succeeded because the code they sent him did not work... but worth trying I expect......
lily
What is the difference between a bachelors in economics and a bachelors in finance?
what jobs can you get with a economics degree and what jobs can you get with a finance degree?
What is the difference between a bachelors in economics and a bachelors in finance?
The jobs with a good economics degree, and the prospects for a good graduate program, are far superior to those with just a degee in finance. The latter is a trade and tech degree, and the person earning it is assumed to be narrow and in general, poorly educated. An economics degree is a liberal arts degree and requires competence in areas beyond the narrow specialization. It is notable that most better universities and colleges do not allow students to major in subjects like finance but rather require them to do more general degrees and to save specialization into narrow trade and tech subjects like finance for a graduate program.
Reply:Economics is the broad category -- finance in a specialty within a business department. Your best bet would be to go to the college that appeals to you and look at the curriculum for both so you can see the subject you would be required to take. Take the only that looks more like your interests.
Reply:Hi, mate. This is a good reference around global finance. Download free magazine only from this url http://homeprofitsguide.tradepub.com/c/p...
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What is the difference between a bachelors in economics and a bachelors in finance?
The jobs with a good economics degree, and the prospects for a good graduate program, are far superior to those with just a degee in finance. The latter is a trade and tech degree, and the person earning it is assumed to be narrow and in general, poorly educated. An economics degree is a liberal arts degree and requires competence in areas beyond the narrow specialization. It is notable that most better universities and colleges do not allow students to major in subjects like finance but rather require them to do more general degrees and to save specialization into narrow trade and tech subjects like finance for a graduate program.
Reply:Economics is the broad category -- finance in a specialty within a business department. Your best bet would be to go to the college that appeals to you and look at the curriculum for both so you can see the subject you would be required to take. Take the only that looks more like your interests.
Reply:Hi, mate. This is a good reference around global finance. Download free magazine only from this url http://homeprofitsguide.tradepub.com/c/p...
Global Finance delivers the full story; corporate finance, joint ventures and M%26amp;A, country profiles, capital markets, investor relations, currencies, banking, risk management, custody, direct investment, money management and all the rest-specifically tailored for corporate readers around the world. http://homeprofitsguide.tradepub.com/c/p...
How can I get out of a second chance finance loan?
I am currently under a second-chance loan for a car I got three years ago. I have had horrible luck the past year with costly repairs. My extended warranty expired and have had an insurance company drop me for me having to use the rental car option (or something like that) as well. More recently my car has been in the shop four times the past two months. I want to get another car but dont know if it is possible since I am on a second-chance finance program. Can anyone help?
How can I get out of a second chance finance loan?
You have two issues here, and it is important to recognize the difference. First, you needed to get a "second-chance" loan, presumably because you had credit problems in the past. Second, the car you bought with the loan is turning out to be no good.
If you want to get another loan, the second fact is no problem. You have a car that is getting too expensive to maintain, but that's why most people buy new cars. No one will down-rate you for that. The issue here is your credit.
Have you been paying on the loan? Have you made the payments on time? If the answer is yes, and you have been paying properly for three years, you should have no problem getting a loan for another car. But if you have late or missing payments on this second chance loan, you may have a hard time.
In that case, you may have to decide whether you can live with the continual repairs, or take an even bigger chance on a car from a typical used car lot, where they advertise that they finance everybody. You can get a loan there, I'm sure, but you will pay through the nose for it, and the car is likely to be as bad or worse than the one you already have.
There aren't a lot of good answers here, unfortunately. You don't say how many payments you still have on the current car, but if you can put aside an extra $20 or $40 a month, you may be able to shorten the time until you are paid off. At that point, getting another loan might be a lot easier. Also, see if there is a credit union where you work. Credit unions are usually able to finance loans for members that banks would turn down. Good luck!!
Reply:I have no idea what you mean by a "second chance finance loan". If you mean you have lousy credit, and allowed some high interest company to trap you into a high interest loan, all you can do it pay it off early and save the interest you would otherwise pay, but be aware they may have an "early payment penalty" written into the contract.
Several questions come to mind, how much to you still owe on the vehicle, and what is it worth being one.
How can I get out of a second chance finance loan?
You have two issues here, and it is important to recognize the difference. First, you needed to get a "second-chance" loan, presumably because you had credit problems in the past. Second, the car you bought with the loan is turning out to be no good.
If you want to get another loan, the second fact is no problem. You have a car that is getting too expensive to maintain, but that's why most people buy new cars. No one will down-rate you for that. The issue here is your credit.
Have you been paying on the loan? Have you made the payments on time? If the answer is yes, and you have been paying properly for three years, you should have no problem getting a loan for another car. But if you have late or missing payments on this second chance loan, you may have a hard time.
In that case, you may have to decide whether you can live with the continual repairs, or take an even bigger chance on a car from a typical used car lot, where they advertise that they finance everybody. You can get a loan there, I'm sure, but you will pay through the nose for it, and the car is likely to be as bad or worse than the one you already have.
There aren't a lot of good answers here, unfortunately. You don't say how many payments you still have on the current car, but if you can put aside an extra $20 or $40 a month, you may be able to shorten the time until you are paid off. At that point, getting another loan might be a lot easier. Also, see if there is a credit union where you work. Credit unions are usually able to finance loans for members that banks would turn down. Good luck!!
Reply:I have no idea what you mean by a "second chance finance loan". If you mean you have lousy credit, and allowed some high interest company to trap you into a high interest loan, all you can do it pay it off early and save the interest you would otherwise pay, but be aware they may have an "early payment penalty" written into the contract.
Several questions come to mind, how much to you still owe on the vehicle, and what is it worth being one.
Is it better to stay at Corporate, or to go get divisional finance experience?
I have been with corporate (finance) for a few years - wondering if it will be better for my long-term career to move to a divisional finance role or to stay at corporate.
Is it better to stay at Corporate, or to go get divisional finance experience?
hello - always a good idea to get different views of the organization, makes you more flexible in what you can do. good luck -
Reply:This all depends on what your long term goals are. If you aspire to be the next CFO... I would be more hesitant to move to the divisional work. This will set you up for a glass ceiling situation in a lot of the american companies.
If you are an accountant and you are looking to make bold moves, Register and study for your CPA. This is a considerable achievement and everyone is looking for CPA' s to run the companies. As a professional Staffing Agent, This is my advice.
Reply:What's been the career path of those who's jobs you'd like to have someday? Have they typically had divisional operating experience? That would be a good clue as to what your company values. Speak to whomever acts as your "mentor" at the company and get his perspective also.
Reply:Where are all the major hitters? They're at corporate, right? I'd stay there.
Is it better to stay at Corporate, or to go get divisional finance experience?
hello - always a good idea to get different views of the organization, makes you more flexible in what you can do. good luck -
Reply:This all depends on what your long term goals are. If you aspire to be the next CFO... I would be more hesitant to move to the divisional work. This will set you up for a glass ceiling situation in a lot of the american companies.
If you are an accountant and you are looking to make bold moves, Register and study for your CPA. This is a considerable achievement and everyone is looking for CPA' s to run the companies. As a professional Staffing Agent, This is my advice.
Reply:What's been the career path of those who's jobs you'd like to have someday? Have they typically had divisional operating experience? That would be a good clue as to what your company values. Speak to whomever acts as your "mentor" at the company and get his perspective also.
Reply:Where are all the major hitters? They're at corporate, right? I'd stay there.
How can I lower the Finance Charges on my credit card?
Visa is charging me 21.49 % for purchases + 24.49% for cash which adds up to finance charge $149.00 a month. How can I reduce my monthly finance charge?
How can I lower the Finance Charges on my credit card?
Call up another card issuer and get an new account with lower rates. Then have them transfer it all to your new card.
Reply:cancel the card look for other cards with a lower option transfer your balance
Reply:get 0% cards and move everything to them-then stop using the cards and pay off the 0%. The time for 0% is limited-so pay-don't spend
Reply:you are living over your financial limits! Spend less and pay back the credit card.
Reply:Simply call up and say that this is just too high. You may have to do a few times but while the computer does restrict certain things, it is not unusual for the decision to be the service rep.
Do this every 90 days. Now at that rate, it is going to keep you in a hole forever. You only option (besides paying it off) is to try to qualify for a lower rate card and then later transfer the funds.
That rate is probably from a simple late payment or a difficult credit which is fine but it keeps us poor even poorer.
Fight the system!!!
Reply:apply for a lower interest card and then pay old one off with it and also close old one
Reply:It can be pretty frustrating to see your monthly payment going to your creditor's pockets in the form of interest, with little going to the actual principle balance isn't it? Unfortunately when we first apply for a credit card, we pretty much let the creditor do what they want with our variable interest rates when we sign that application. Now that you want to actually do something about it, the good news is that there are some options available for you.
1) You know your financial situation better than anyone. Can your credit score and debt-to-income ratio allow you to apply AND get approved for a low interest balance transfer with another creditor? If so you may want to do that. Many creditors will offer low interest for the first 6-9 months of a new account to encourage you to transfer your balance to them. If you are able to do this, then this might be the quickest and fastest way to reduce your interest and charges.
2) You could also contact the creditor yourself. Many times, if you have been a loyal customer with a good payment history, you can negotiate a lower APR with your current account. Speak to a customer service rep, and if that doesn't work, ask to speak to a supervisor. They usually evaluate your account (see if you've been a good customer) and make a decision on the spot. This may only reduce the APR by 2-3%, but it is still a little better than where you're at now. You can always tell them that the high interest and fees, are making it difficult to make the minimum payments, and without a little help from them, you may be missing payments pretty soon. This negotiation is like a poker game, you have to try your best bluff to get some results sometimes!
3) Contact a debt counselor. Debt counseling companies have the ability to negotiate a much lower interest rate than on your own. For example, they can bring down an MBNA visa from 28% to nearly 8%. There are some things you want to keep in mind. By consolidating with a counselor, you are giving up ALL your accounts. In other words, creditors will only work with you if you are making an effort to pay off all accounts at once. Also, you will not be able to apply for any new accounts while on the program. If it's just the one card that you are frustrated with and not others, then this route isn't for you. This is more of an ALL IN option.
4) Pay it off. This is the easier said than done method. The simplest way to stop giving your creditors free money, is to pay off the account and say goodbye to them. You may need to borrow from family or friends, but paying back friends is cheaper than paying back creditors. You could even offer to pay at a low interest rate to your family to encourage them to help you. That way everyone wins!
In any case, the fact that you want to do something about your debt is great. But now you have to sit down and really think about which method would best suit your needs at home. The important thing is you want to act quickly so that your freedom from this particular debt comes sooner. Good luck with your goals!
Reply:pay your bill in full every month............but at this point you probably can't............next best thing is to pay your bill as soon as you get it.
also, call you card company and request a review of your rate to get it lowered. they should be competitive with all the offers you'll tell them you get.
Reply:call each credit card company and request it. If you pay timely, they will most likely do it for you.
Reply:Your best bet? Pay it off and never use credit again. :)
Your second best bet? Call them up and simply ask them to lower your rates. If they say no, explain to them that you get dozens of 0% balance transfers offers in the mail every month. If they aren't willing to lower your interest rate, explain that you would be happy to surf your balance to one of the other cards. You're sure another company would be happy to take your money.
Then, they'll drop your rates. Good luck!
myspaces.com
How can I lower the Finance Charges on my credit card?
Call up another card issuer and get an new account with lower rates. Then have them transfer it all to your new card.
Reply:cancel the card look for other cards with a lower option transfer your balance
Reply:get 0% cards and move everything to them-then stop using the cards and pay off the 0%. The time for 0% is limited-so pay-don't spend
Reply:you are living over your financial limits! Spend less and pay back the credit card.
Reply:Simply call up and say that this is just too high. You may have to do a few times but while the computer does restrict certain things, it is not unusual for the decision to be the service rep.
Do this every 90 days. Now at that rate, it is going to keep you in a hole forever. You only option (besides paying it off) is to try to qualify for a lower rate card and then later transfer the funds.
That rate is probably from a simple late payment or a difficult credit which is fine but it keeps us poor even poorer.
Fight the system!!!
Reply:apply for a lower interest card and then pay old one off with it and also close old one
Reply:It can be pretty frustrating to see your monthly payment going to your creditor's pockets in the form of interest, with little going to the actual principle balance isn't it? Unfortunately when we first apply for a credit card, we pretty much let the creditor do what they want with our variable interest rates when we sign that application. Now that you want to actually do something about it, the good news is that there are some options available for you.
1) You know your financial situation better than anyone. Can your credit score and debt-to-income ratio allow you to apply AND get approved for a low interest balance transfer with another creditor? If so you may want to do that. Many creditors will offer low interest for the first 6-9 months of a new account to encourage you to transfer your balance to them. If you are able to do this, then this might be the quickest and fastest way to reduce your interest and charges.
2) You could also contact the creditor yourself. Many times, if you have been a loyal customer with a good payment history, you can negotiate a lower APR with your current account. Speak to a customer service rep, and if that doesn't work, ask to speak to a supervisor. They usually evaluate your account (see if you've been a good customer) and make a decision on the spot. This may only reduce the APR by 2-3%, but it is still a little better than where you're at now. You can always tell them that the high interest and fees, are making it difficult to make the minimum payments, and without a little help from them, you may be missing payments pretty soon. This negotiation is like a poker game, you have to try your best bluff to get some results sometimes!
3) Contact a debt counselor. Debt counseling companies have the ability to negotiate a much lower interest rate than on your own. For example, they can bring down an MBNA visa from 28% to nearly 8%. There are some things you want to keep in mind. By consolidating with a counselor, you are giving up ALL your accounts. In other words, creditors will only work with you if you are making an effort to pay off all accounts at once. Also, you will not be able to apply for any new accounts while on the program. If it's just the one card that you are frustrated with and not others, then this route isn't for you. This is more of an ALL IN option.
4) Pay it off. This is the easier said than done method. The simplest way to stop giving your creditors free money, is to pay off the account and say goodbye to them. You may need to borrow from family or friends, but paying back friends is cheaper than paying back creditors. You could even offer to pay at a low interest rate to your family to encourage them to help you. That way everyone wins!
In any case, the fact that you want to do something about your debt is great. But now you have to sit down and really think about which method would best suit your needs at home. The important thing is you want to act quickly so that your freedom from this particular debt comes sooner. Good luck with your goals!
Reply:pay your bill in full every month............but at this point you probably can't............next best thing is to pay your bill as soon as you get it.
also, call you card company and request a review of your rate to get it lowered. they should be competitive with all the offers you'll tell them you get.
Reply:call each credit card company and request it. If you pay timely, they will most likely do it for you.
Reply:Your best bet? Pay it off and never use credit again. :)
Your second best bet? Call them up and simply ask them to lower your rates. If they say no, explain to them that you get dozens of 0% balance transfers offers in the mail every month. If they aren't willing to lower your interest rate, explain that you would be happy to surf your balance to one of the other cards. You're sure another company would be happy to take your money.
Then, they'll drop your rates. Good luck!
myspaces.com
What are some interesting jobs a person can do with an MS Finance?
Also, how does an MS Finance compare to an MBA Finance?
What are some interesting jobs a person can do with an MS Finance?
MS (Finance) is good to lead a financial team to be the head as a financial controller but the MBA (Finance) could lead to the top spot as CEO,so with the responsibility to head the company as a whole! The difference is in the aptitude to graduate from the premier business school and the attitude to assume the power and the challenge in job!
What are some interesting jobs a person can do with an MS Finance?
MS (Finance) is good to lead a financial team to be the head as a financial controller but the MBA (Finance) could lead to the top spot as CEO,so with the responsibility to head the company as a whole! The difference is in the aptitude to graduate from the premier business school and the attitude to assume the power and the challenge in job!
How do finance companies handle total car accidents?
My car was totalled in an accident.
I was blessed to be able to walk away.
I had full coverage; but I don't know how the finance company handles things.
Will they take the insurance check?
Will they help me get a new car?
The car was used and I have only made one payment.
How do finance companies handle total car accidents?
No, they won't help you get a new car. If they decide your car is totaled after the adjuster looks at it, they will issue a check to the lender for the fair market value of the car. If that is less than the amount you owe you will need to keep making payments until the balance reaches zero, unless you have GAP coverage. GAP coverage will pay the difference between what you owe and what you get from insurance. Of course if you were at fault, and your collision is covering, the check will be less the amount of deductible if any.
Your best source of answers to any questions you might have will be your insurance agent.
Reply:Check your policy, find out what the maximum coverage they offer in case of total collision....a few years ago I totaled my truck out, I had it less then a year, the insurance covered 15,000, but left me owing 3,000. And as it turned out, since I was using the same finance company to cover my car, they were legally able to repo my car- which I wasn't behind on- to cover the 3 grand.
I'd definately find out how solid your policy actually was....
Reply:Report it to your insurance company and they'll let you know exactly what they need. They pay actual cash value under normal circumstances. They will contact your finance company, get a payoff. If the value is less that the payoff, your gap insurance will handle the rest. If you don't have gap insurance, your responsible for the money left on the loan.
If you were financed once, they should help you with a loan again.
Reply:Filing auto accident insurance claims is quite tedious. But to get your compensation for the accident, it is a necessary procedure - so you might as well go about it in the fool-proof manner described here.Uncertainty finds an innate part in human life. Being human being, we are never aware of crisis caused by occurrence like accident%26lt;!--What we can do is to make ourself be prepared to face the worse in the way that it has minimum effect upon us.Accident Insurance is one such way helping us to act as comforting hand when we suffer from misfortunate happening of accident.Whether you are travelling a long way or just to your next market place, the probability to meet up with an accident remains same. Besides, car accident, air crashes and rail accidents have become news of everyday. You may get your answer in the below website.
http://bestcarinsurance.awardspace.com/
And, if you ever fall prey to such accident, having an insurance helps you alleviating the financial burden during such tragic moments. People who are still unaware of what Accident Insurance is, they can understand in simple term that by availing the insurance facility, you are paid a certain amount of money by insurance company as compensation--%26gt;Generally,the insurance covers mishaps like organ loss like hands, eyes and legs, death in air, rail and car accident. The principal sum paid to a family ranges from $25,000 to $1,00,000. But you are excluded from being paid the amount if accidents persists due to drunken driving and trying risky sports like bungee jumping, car racing, skiing, scuba diving, etc.
I was blessed to be able to walk away.
I had full coverage; but I don't know how the finance company handles things.
Will they take the insurance check?
Will they help me get a new car?
The car was used and I have only made one payment.
How do finance companies handle total car accidents?
No, they won't help you get a new car. If they decide your car is totaled after the adjuster looks at it, they will issue a check to the lender for the fair market value of the car. If that is less than the amount you owe you will need to keep making payments until the balance reaches zero, unless you have GAP coverage. GAP coverage will pay the difference between what you owe and what you get from insurance. Of course if you were at fault, and your collision is covering, the check will be less the amount of deductible if any.
Your best source of answers to any questions you might have will be your insurance agent.
Reply:Check your policy, find out what the maximum coverage they offer in case of total collision....a few years ago I totaled my truck out, I had it less then a year, the insurance covered 15,000, but left me owing 3,000. And as it turned out, since I was using the same finance company to cover my car, they were legally able to repo my car- which I wasn't behind on- to cover the 3 grand.
I'd definately find out how solid your policy actually was....
Reply:Report it to your insurance company and they'll let you know exactly what they need. They pay actual cash value under normal circumstances. They will contact your finance company, get a payoff. If the value is less that the payoff, your gap insurance will handle the rest. If you don't have gap insurance, your responsible for the money left on the loan.
If you were financed once, they should help you with a loan again.
Reply:Filing auto accident insurance claims is quite tedious. But to get your compensation for the accident, it is a necessary procedure - so you might as well go about it in the fool-proof manner described here.Uncertainty finds an innate part in human life. Being human being, we are never aware of crisis caused by occurrence like accident%26lt;!--What we can do is to make ourself be prepared to face the worse in the way that it has minimum effect upon us.Accident Insurance is one such way helping us to act as comforting hand when we suffer from misfortunate happening of accident.Whether you are travelling a long way or just to your next market place, the probability to meet up with an accident remains same. Besides, car accident, air crashes and rail accidents have become news of everyday. You may get your answer in the below website.
http://bestcarinsurance.awardspace.com/
And, if you ever fall prey to such accident, having an insurance helps you alleviating the financial burden during such tragic moments. People who are still unaware of what Accident Insurance is, they can understand in simple term that by availing the insurance facility, you are paid a certain amount of money by insurance company as compensation--%26gt;Generally,the insurance covers mishaps like organ loss like hands, eyes and legs, death in air, rail and car accident. The principal sum paid to a family ranges from $25,000 to $1,00,000. But you are excluded from being paid the amount if accidents persists due to drunken driving and trying risky sports like bungee jumping, car racing, skiing, scuba diving, etc.
How long should it take a dealer to finance you. I got the car 2 weeks ago and haven't heard of financingisdon
I went about 2 weeks ago to try to finance a car. I have bad credit high income to debt ratio and on debt managment. It should take them that long to see if I can get financed right? I keep calling and leaving messages and they are not returning my calls. What is up with that? I have the car and I'am driving it, I haven't put it on my insurance because I'm not sure if the financing went through or not so what should I do?
How long should it take a dealer to finance you. I got the car 2 weeks ago and haven't heard of financingisdon
The first thing to do is get it on your insurance. After that, you can figure out the financing problem.
Reply:my friend had a credit score of mid 500 range and got approved in 3 days. I'm sure they will let you keep the car, because the dealership doesn't want it, trust me. They will do everything they can so they can make the deal. And you better put insurance on it, cause you are driving it! Imagine, God forbid if you were to hit some car by accident, you would be screwed beyond imagination without car insurance.
Good luck
Reply:Ummmm....have you tried going back to the dealership????? If you can't get in contact with anyone on the phone, the next logical step is to go TO THEM! I'm sure you know that you wont be leaving with the car since your credit is jacked up. Isn't that the real reason why you haven't gone back there yet? You're not fooling anyone.
Reply:sounds like thay are still working on it if you havent signed a contract and dont have it insured then it is still their baby enjoy the ride because when they contact you it will probably be for a completely different deal; than what you agreed too.
you are not committed no matter what they tell you unless you signes a rental form. (different than a spot delivery form)
Reply:Call them and tell them you are moving out of state in a couple of days, I promiss you that if they have not gotten you financed they will call you.
How long should it take a dealer to finance you. I got the car 2 weeks ago and haven't heard of financingisdon
The first thing to do is get it on your insurance. After that, you can figure out the financing problem.
Reply:my friend had a credit score of mid 500 range and got approved in 3 days. I'm sure they will let you keep the car, because the dealership doesn't want it, trust me. They will do everything they can so they can make the deal. And you better put insurance on it, cause you are driving it! Imagine, God forbid if you were to hit some car by accident, you would be screwed beyond imagination without car insurance.
Good luck
Reply:Ummmm....have you tried going back to the dealership????? If you can't get in contact with anyone on the phone, the next logical step is to go TO THEM! I'm sure you know that you wont be leaving with the car since your credit is jacked up. Isn't that the real reason why you haven't gone back there yet? You're not fooling anyone.
Reply:sounds like thay are still working on it if you havent signed a contract and dont have it insured then it is still their baby enjoy the ride because when they contact you it will probably be for a completely different deal; than what you agreed too.
you are not committed no matter what they tell you unless you signes a rental form. (different than a spot delivery form)
Reply:Call them and tell them you are moving out of state in a couple of days, I promiss you that if they have not gotten you financed they will call you.
I want to know the topics related to corporate finance for my open study?
Am doing my MBA course,I plan to do a better project related to corporate finance.So I need some topics for my open study.
I want to know the topics related to corporate finance for my open study?
Check out this website, from a professor at NYU's Stern School of Business-
http://pages.stern.nyu.edu/~adamodar/New...
This web site is designed to provide supporting material for corporate finance related topics.:
1. objective function
2. investment decision
3. financing decision
4. dividend decision
5. valuation
Genealogy
I want to know the topics related to corporate finance for my open study?
Check out this website, from a professor at NYU's Stern School of Business-
http://pages.stern.nyu.edu/~adamodar/New...
This web site is designed to provide supporting material for corporate finance related topics.:
1. objective function
2. investment decision
3. financing decision
4. dividend decision
5. valuation
Genealogy
How to finance a career change to Graphic Design?
Dear readers,
I am thinking of making a career change to Graphic Design. I currently work unhappily as an Office Manager and have been out of undergrad for nearly 2 years. I am not that skilled in using Graphics software- at least not to a level that I think the profession requires. I want to seek a more formal education but it will cost me an arm and a leg and find that I am not offered financial aid by most institutions because I already hold a Bachelor's degree. However, I find it difficult to pay out my own pocket for the courses as I can hardly save money every month. Please offer me your suggestions as to how I can finance this education or more economically learn the software/knowledge. (Someone suggested purchasing tutorial books, but I would also like to get classroom instruction to supplement.)
Thank you for your comments. And for fun, please write what city/state/country you are located. I am in New York, New York, USA.
How to finance a career change to Graphic Design?
I admire your decision to leave a job that makes you unhappy and go into Graphic Design.
You have several advantages:
a. You already aa Bachelor's degree (more on that later)
b. You are in New York City.
Here's what I recommend for you:
Start with a very low-cost option. Sign up for the online tutorials at www.Lynda.com. They have excellent on line instruction for all the major Graphics software applications. Don't equate this with "tutorial books." Lynda.com has excellent classroom teachers... they are simply brought to you online instead of your having to go to class. And, they are sample projects that you can download and work on at your own pace. (Don't knock this until you have tried it. They have many free (beginning) modules for all their programs. And it's quite reasonable.. something like $25 per month for anything and everything they offer... Check it out.) This is as close as you can get to actual classroom work without being there... for a small fraction of the cost.
Once you are doing that, use your skills to begin creating real graphic projects for actual businesses. How to do that? Use your friends as contacts. Start by doing work FREE for small businesses. Do good work, then little by little, work up so that you're getting paid. (You don't have to leave your day job yet, and you don't have any sizable cost of education.)
Next, use the money from your first jobs to pay for Graphic Design seminars and short-term classes. (Here's where being in NYC will be a huge help. There are lots of classes out there. Ask your friends in the design world which are best.)
As your work becomes more professional, put it up on your own web site. Use that site to show potential clients (or an employer) your work.
You will find it very helpful to see examples of outstanding work in the Graphic Design field. There are some very good annuals, such as the New York Art Directors Club annual, The One Show, The Creativity Annual, and books by Carter, Big Book of Design Ideas, Big Book of Logos, etc. You don't need to pay full price for those. Most are available used at www.addall.com.
And, you already have a Bachelor's degree. To potential employers, that is a key to getting in the door. They don't care that it is NOT in graphic design. What they do care about is the quality of your work. If you follow these steps, you can improve your work to the professional level.
Good luck.
I am thinking of making a career change to Graphic Design. I currently work unhappily as an Office Manager and have been out of undergrad for nearly 2 years. I am not that skilled in using Graphics software- at least not to a level that I think the profession requires. I want to seek a more formal education but it will cost me an arm and a leg and find that I am not offered financial aid by most institutions because I already hold a Bachelor's degree. However, I find it difficult to pay out my own pocket for the courses as I can hardly save money every month. Please offer me your suggestions as to how I can finance this education or more economically learn the software/knowledge. (Someone suggested purchasing tutorial books, but I would also like to get classroom instruction to supplement.)
Thank you for your comments. And for fun, please write what city/state/country you are located. I am in New York, New York, USA.
How to finance a career change to Graphic Design?
I admire your decision to leave a job that makes you unhappy and go into Graphic Design.
You have several advantages:
a. You already aa Bachelor's degree (more on that later)
b. You are in New York City.
Here's what I recommend for you:
Start with a very low-cost option. Sign up for the online tutorials at www.Lynda.com. They have excellent on line instruction for all the major Graphics software applications. Don't equate this with "tutorial books." Lynda.com has excellent classroom teachers... they are simply brought to you online instead of your having to go to class. And, they are sample projects that you can download and work on at your own pace. (Don't knock this until you have tried it. They have many free (beginning) modules for all their programs. And it's quite reasonable.. something like $25 per month for anything and everything they offer... Check it out.) This is as close as you can get to actual classroom work without being there... for a small fraction of the cost.
Once you are doing that, use your skills to begin creating real graphic projects for actual businesses. How to do that? Use your friends as contacts. Start by doing work FREE for small businesses. Do good work, then little by little, work up so that you're getting paid. (You don't have to leave your day job yet, and you don't have any sizable cost of education.)
Next, use the money from your first jobs to pay for Graphic Design seminars and short-term classes. (Here's where being in NYC will be a huge help. There are lots of classes out there. Ask your friends in the design world which are best.)
As your work becomes more professional, put it up on your own web site. Use that site to show potential clients (or an employer) your work.
You will find it very helpful to see examples of outstanding work in the Graphic Design field. There are some very good annuals, such as the New York Art Directors Club annual, The One Show, The Creativity Annual, and books by Carter, Big Book of Design Ideas, Big Book of Logos, etc. You don't need to pay full price for those. Most are available used at www.addall.com.
And, you already have a Bachelor's degree. To potential employers, that is a key to getting in the door. They don't care that it is NOT in graphic design. What they do care about is the quality of your work. If you follow these steps, you can improve your work to the professional level.
Good luck.
What's a good book for dummies who want to learn about finance especially about the stock market?
I'm currently studying finance and although I find the subject fascinating I don't want to miss out on any of the finer details so I was wondering if there is a book out there that could help me (me of low brain capacity) out with understanding the ins and outs of finance. Especially in subject of the stock market (like how and when to invest on what stock, etc). Could someone please help me?
What's a good book for dummies who want to learn about finance especially about the stock market?
Try These Books
Book Review: Five Rules for Successful Stock Investing:
Morningstar's Guide to Building Wealth and Winning in the Market
http://www.stock-investment-made-easy.co...
Book Review: Investing For Dummies
http://www.stock-investment-made-easy.co...
Reply:"Investing For Dummies"
"Stock Investing For Dummies"
No joke - they are very good books.
What's a good book for dummies who want to learn about finance especially about the stock market?
Try These Books
Book Review: Five Rules for Successful Stock Investing:
Morningstar's Guide to Building Wealth and Winning in the Market
http://www.stock-investment-made-easy.co...
Book Review: Investing For Dummies
http://www.stock-investment-made-easy.co...
Reply:"Investing For Dummies"
"Stock Investing For Dummies"
No joke - they are very good books.
Where can I find a Finance Company to Fund my Bad Credit customers?
: I am the Finance Director for a Dodge Dealership in MS and I;m trying to find a finance company or bank to fund some of my more challenged customers. I'm talking 3 and 400 becons I know it's out there I've seen it done
Where can I find a Finance Company to Fund my Bad Credit customers?
There are all sort of companies with high interest rates that take on bad credit people. Just ask your normal lenders and they should be able to direct you to some legit companies. I know on TV Lenders advertise all the time for Home Mortgages and Car Loans for people with bad credit.
Where can I find a Finance Company to Fund my Bad Credit customers?
There are all sort of companies with high interest rates that take on bad credit people. Just ask your normal lenders and they should be able to direct you to some legit companies. I know on TV Lenders advertise all the time for Home Mortgages and Car Loans for people with bad credit.
What are the summer school options for an international student looking for finance courses?Is LSE the only 1?
I know LSE has summer school for finance and economics topics, I want a course for derivatives or advanced topics in capital markets which can be beneficial for trading jobs. I am going to do a masters degree in finance this year but want to get summer schools courses from a top uni. LSE seems the best option but I dont know if other top schools in UK or USA has this type of summer schools. Thank you.
What are the summer school options for an international student looking for finance courses?Is LSE the only 1?
That is not easy to get summer school courses from a top UC unless you are already a student of that UC. I don't know about summer school. I think you should go to that UC's website and check out what courses they are offering in the summer.
Good Luck
Reply:the LSE Summer schools offers an opportunity for you to share. go to wikipedia.com and find out. hope this helps.
lilac
What are the summer school options for an international student looking for finance courses?Is LSE the only 1?
That is not easy to get summer school courses from a top UC unless you are already a student of that UC. I don't know about summer school. I think you should go to that UC's website and check out what courses they are offering in the summer.
Good Luck
Reply:the LSE Summer schools offers an opportunity for you to share. go to wikipedia.com and find out. hope this helps.
lilac
What jobs can i get with my degree in finance& marketing aside of sales?
What jobs can i get with my degree in finance%26amp; marketing aside of sales?
What jobs can i get with my degree in finance%26amp; marketing aside of sales?
For sure, any type of marketing job you want.
Having a finance degree to augment a marketing degree is AWESOME! A marketing degree allows you the opportunity to work in any industry within their advertising and marketing teams.
Being able to read the P%26amp;L is a big plus. It gives you an necessary advantage over others in most organizations. You'll know what campaigns are effective, how profitable they are, and know what executive management is trying to achieve.
Many director level positions have to train employees on basic finance terminology and methods before they can perform their jobs.
Reply:pretty much anything.
public relations
advertising
business operations
communications
sales operations (not actual sales)
finance
banking
analyst jobs
tax
accounting
Reply:Sales Analyst, Marketing Analyst (both focus on reporting and analyzing trends from either a sales revenue or marketing impact standpoint)
Reply:http://www.ongoingprofit.com/idevaffilia...
GREAT PAYUOTS
What jobs can i get with my degree in finance%26amp; marketing aside of sales?
For sure, any type of marketing job you want.
Having a finance degree to augment a marketing degree is AWESOME! A marketing degree allows you the opportunity to work in any industry within their advertising and marketing teams.
Being able to read the P%26amp;L is a big plus. It gives you an necessary advantage over others in most organizations. You'll know what campaigns are effective, how profitable they are, and know what executive management is trying to achieve.
Many director level positions have to train employees on basic finance terminology and methods before they can perform their jobs.
Reply:pretty much anything.
public relations
advertising
business operations
communications
sales operations (not actual sales)
finance
banking
analyst jobs
tax
accounting
Reply:Sales Analyst, Marketing Analyst (both focus on reporting and analyzing trends from either a sales revenue or marketing impact standpoint)
Reply:http://www.ongoingprofit.com/idevaffilia...
GREAT PAYUOTS
Does Yahoo finance have historical data for stock market new highs lows advance declines what are the symbols?
I would like to look up stock market data such as new 52 week highs lows, issues advancing and declining or yahoo finance, can't find the symbols to use. Do they even have the data?
Does Yahoo finance have historical data for stock market new highs lows advance declines what are the symbols?
You might try this link:
http://biz.yahoo.com/ic/l/pip.html
Does Yahoo finance have historical data for stock market new highs lows advance declines what are the symbols?
You might try this link:
http://biz.yahoo.com/ic/l/pip.html
I'm currently a teacher wanting to switch to finance. Would a financial advisor be a good entry level job?
I'd like to get an MBA, but I know I need experience. I am fluent in Spanish and French and I'd like to eventually be in international finance. Any suggestions?
I'm currently a teacher wanting to switch to finance. Would a financial advisor be a good entry level job?
What is your location please ?. What is your age and experience as a teacher ?
Well, if you are below 30 years of age, Please finish your MBA in finance, but mind you, you have to start as a fresher !
( You can join a financial firm and pursue MBA)
Reply:The problem with a financial advisor position is that they are almost all commission based, and it's extremely difficult to build up a clientele. So, if you go this route, do you have possibly 1 year's living expenses paid? Because, you probably won't get a check until you sell financial instruments. Sort of like a realtor.
Some companies offer a "draw" but this is essentially you borrowing money that you have to pay back - assuming you build up the clientele and start generating income.
A good entry level job is a financial analyst (not advisor), but these positions usually require a degree in finace and/or accounting (or a business management degree). If you do not have one of those degrees, then it is very difficult to enter a financial position.
Reply:There are training programs at brokerage houses. You will have to devote a lot of time getting started--it's a very demanding profession. Let me recommend a book available at Amazon, So You Want to Be a Financial Planner by Nancy Langdon Jones. She is a very successful financial planner who started later in life. I know her and her book--she is well respected.
You may also want to get started working for a financial planning firm. Not much money to start, but they can help you study for your Certified Financial Planner certification, which you will want. For more details on the profession, go to www.fpanet.org, the Financial Planning Association.
Ultimately, there are a number of roads you can take, if you're willing to work hard, especially to get started. Good luck.
I'm currently a teacher wanting to switch to finance. Would a financial advisor be a good entry level job?
What is your location please ?. What is your age and experience as a teacher ?
Well, if you are below 30 years of age, Please finish your MBA in finance, but mind you, you have to start as a fresher !
( You can join a financial firm and pursue MBA)
Reply:The problem with a financial advisor position is that they are almost all commission based, and it's extremely difficult to build up a clientele. So, if you go this route, do you have possibly 1 year's living expenses paid? Because, you probably won't get a check until you sell financial instruments. Sort of like a realtor.
Some companies offer a "draw" but this is essentially you borrowing money that you have to pay back - assuming you build up the clientele and start generating income.
A good entry level job is a financial analyst (not advisor), but these positions usually require a degree in finace and/or accounting (or a business management degree). If you do not have one of those degrees, then it is very difficult to enter a financial position.
Reply:There are training programs at brokerage houses. You will have to devote a lot of time getting started--it's a very demanding profession. Let me recommend a book available at Amazon, So You Want to Be a Financial Planner by Nancy Langdon Jones. She is a very successful financial planner who started later in life. I know her and her book--she is well respected.
You may also want to get started working for a financial planning firm. Not much money to start, but they can help you study for your Certified Financial Planner certification, which you will want. For more details on the profession, go to www.fpanet.org, the Financial Planning Association.
Ultimately, there are a number of roads you can take, if you're willing to work hard, especially to get started. Good luck.
Finance???????
Does present value decrease at a linear rate, at an increasing rate, or at a decreasing rate with the length of time in the future the payment is to be received? Why?
Finance???????
"Present value is the value on a given date of a future payment or series of future payments, discounted to reflect the time value of money and other factors such as investment risk. Present value calculations are widely used in business and economics to provide a means to compare cash flows at different times on a meaningful "like to like" basis."
Reply:Homework due today?
floral shops
Finance???????
"Present value is the value on a given date of a future payment or series of future payments, discounted to reflect the time value of money and other factors such as investment risk. Present value calculations are widely used in business and economics to provide a means to compare cash flows at different times on a meaningful "like to like" basis."
Reply:Homework due today?
floral shops
Finance?????
If you are scheduled to receive a certain sum of money five years from now but wish to sell your contract for its present value, which type of compounding would you prefer to be used in the calculation? Why?
Finance?????
The less compounding (the least amount of compounding), the higher will be the present value of the contract, which is what you want because when you sell, you will get more money.
Finance?????
The less compounding (the least amount of compounding), the higher will be the present value of the contract, which is what you want because when you sell, you will get more money.
What books are good on the subject of personal finance and money , investing, buisiness etc?
fairly good or good, books on things to do with money, finance, buisiness, and investing?
What books are good on the subject of personal finance and money , investing, buisiness etc?
Maybe this should be under investing, not real estate, but I'd reccommend "The Wealthy Barber", "The Millionaire Next Door" or "The Richest Man in Babylon". These are all classics (and much as you can have classics on general investing and savings principles) but they are not real estate related.
Reply:I would highly recommend the Rich Dad series. I have read most of his books and they have really turned my life around. It really shows you how to get your mind in the right place. E-myth is a good read for business as well. Through the rich dad series, cash-flow game, and their coaching things have went from a daily struggle to get by to a nice life with a huge future. The main thing to remember is that in search of what you are looking for, the only thing that stands between your dreams and reality is yourself. If you make a plan and stick to it (while getting educated) you can accomplish anything.
Reply:Try this site: http://tinyurl.com/3klfv6 it can make you good money and it is easy to do. There are no fees and it pays out every Friday. It is one of the few work at home websites that has made me good money consistently. It makes me $1200-$2000 a month. Or try one of these other good work from home websites on this site: http://tinyurl.com/2zmu8m
What books are good on the subject of personal finance and money , investing, buisiness etc?
Maybe this should be under investing, not real estate, but I'd reccommend "The Wealthy Barber", "The Millionaire Next Door" or "The Richest Man in Babylon". These are all classics (and much as you can have classics on general investing and savings principles) but they are not real estate related.
Reply:I would highly recommend the Rich Dad series. I have read most of his books and they have really turned my life around. It really shows you how to get your mind in the right place. E-myth is a good read for business as well. Through the rich dad series, cash-flow game, and their coaching things have went from a daily struggle to get by to a nice life with a huge future. The main thing to remember is that in search of what you are looking for, the only thing that stands between your dreams and reality is yourself. If you make a plan and stick to it (while getting educated) you can accomplish anything.
Reply:Try this site: http://tinyurl.com/3klfv6 it can make you good money and it is easy to do. There are no fees and it pays out every Friday. It is one of the few work at home websites that has made me good money consistently. It makes me $1200-$2000 a month. Or try one of these other good work from home websites on this site: http://tinyurl.com/2zmu8m
How does one find an entry level job in finance in Houston, Texas?
All of the job boards seem to suck. I find that hardly any of the jobs are for entry level workers. I have a BS in Business Administration (Finance major Accting Minor). I also have a MBA. I have a year of financial services experience and about 5 years of sales experience. What do I do? Also, I live in Louisiana but I am more than willing to relocate.
How does one find an entry level job in finance in Houston, Texas?
Call Robert Half. They specialize in placing Finance %26amp; Accounting Professionals. The number here in Houston is 713.658.1808. Best of Luck!
How does one find an entry level job in finance in Houston, Texas?
Call Robert Half. They specialize in placing Finance %26amp; Accounting Professionals. The number here in Houston is 713.658.1808. Best of Luck!
How much does a smuggler charge to smuggle someone from Mexico into America do smugglers also finance?
Do smugglers also finance illegals trip into America with easy down payments and low monthly payments ? Do the illegals have to sign a contract ? In Mexico what ratio of smugglers are arrested ? Many in Mexico considred smugglers as the guys who bring illegals safely into America to enable them to find work they could not actually find in Mexico ?
How much does a smuggler charge to smuggle someone from Mexico into America do smugglers also finance?
Why pay someone while you can just take your time and walk over the border. Trust me immigration officer wont say a thing.
Reply:they charge a low low price of $199.99, on average. They have financing, you can choose from 6 different lay-away plans. But interest is about 12 %, and there is a contract, signed in blood, on lamb's skin. The ratio of smugglers arrested in MExico is; 3:10. And that last sentence you have there is a statement, not a question, so the question mark is confusing, but I'd say, yes !!! Anything else?
Reply:The price varies. It could be from $1000 to $3000 per person. Depends on where they are taking you - how far. And I wouldn't call it financing what they do. If you have a family member here in the US they hold you as a hostage and require that family member to come up with the money to give them their loved one. A contract such as this would not be binding and is illegal. Mexico frowns on Coyotes but in essence they do not do much to arrest those who do it. Many Federales are the look outs for the Coyotes. In Mexico it's all about the money. La mordida - how much are you going to give a federal for your cargo. Smugglers of human cargo usually do not bring people in safely. There are many risks for those wanting to cross the border. For women - rape and for all, it is dying in the desert or a truck of a car. You have to know Mexico economics to realize that even if a person is working in Mexico, it is a mere existence. All those American factories giving Mexicans jobs, pay $5 per day for an 8 hr day. How can anyone live on $100 a month?
Reply:Yes, you wouldn't believe how bad this slave trade is.
Today, corporate America has discovered a new slave class by naming it “cheap labor”.They do the jobs Americans won’t do.” President George W. Bush sanctions and condones 21st century slavery in America.
They’re imported from foreign countries where they are starved to desperation by their leaders. Average pay in Mexico and Central America is $3.85 a day. Most leave behind a wife and six kids. They risk their lives crossing deadly deserts. They die or are killed by coyote smugglers that respect nothing. They slave in our lettuce, fruit and vegetable fields for a pittance of wages. They live 30 to a house, eat horrid food, suffer financial degradation so pathetic that no American would live or work like that. They work at ski resorts and live 20 to a trailer. They work in hotels and restaurants. They work landscape, dry wall, fast food, construction, painting and as maids. They are not legal. They are illiterate. They are not citizens. They form a subclass, yet are happy because it’s better than their native Mexico. They make up American’s 21st century slave class.
Some of them pay slave traders $20,000 + up front to secure the appropriate paperwork - which they NEVER get, and if they squawk, they are threatened with deportation by those who exploit them.
There are some real unconscionable capitalist pigs running around the country.
Reply:People pay up to $5,000 to get them over here. Safely and Smugglers do not go together in the same sentence. A lot of people are beat, robbed, raped and also left in the middle of the desert for dead.
I think the same banks that caused the mortgage fiasco in the US are offering 0 down on variable rate loans to the smugglees.
Reply:LOL - this is a joke right? A criminal is going to extend credit? And what if you don't pay? He is going to hunt you down? or you get deported and need more credit? LOL - honor among thieves LOL!
Not enough smugglers or illegals are caught, but hopefully, the times they are a changin!
Illegal is illegal!
Reply:This has got to be the stupidest question i have ever answered but I'm gonna answere it anyway they charge about 5k a head and Mexicans dont **** around they want their money up front or no passy u to America to make ure money back!Mexicans in Mexico dont believe in credit when they come to the U.S is when they get ******!
Reply:I don't know and don't care. Illegals need to stay in Mexico. We have enough of them here costing our country a fortune. At what point will people begin to understand that the word ILLEGAL means that it is supposed to be forbidden. My opinion is that people who don't have a problem breaking the law by coming to America do not have a problem breaking the law while they are here.
Reply:they charge about 3000 dollars and if you pay them partial and refuse to pay the rest they do bodily harm to your family left behind and as far as i know its only a verbal agreement and alot ripped off and they really do not care for the people they smuggle
Reply:its on the thousands of dollars, as far as financing goes, have you heard of chinese immigrants that work like slaves to pay off their debt well thats what financing is. and yes mexican immigrants do pay like that
nevermind EASY terms
Reply:I would think $2000-3000. You would probably sign over your first paycheck if you were financing it. I dont understand your last question. Well maybe i do. Not all mexicans consider smugglers safe, they are usually dirty men doing a dirty job.
Reply:please.they are not financing, money up front, for maybe getting you across but most likely dead:either abandoned halfway in the middle of the desert,suffocated in the back of a truck etc....
Reply:It could be a few thousand dollars.
They don't finance -- they're criminals, for pete's sake!
Pay up front. If you can't pay, they will make you pay it off by being a prostitute.
Reply:it costs more than applying for a visa to USA legally
Reply:Ha Ha....yeah they finance allright....and the illegal has to pay them back for years....
How much does a smuggler charge to smuggle someone from Mexico into America do smugglers also finance?
Why pay someone while you can just take your time and walk over the border. Trust me immigration officer wont say a thing.
Reply:they charge a low low price of $199.99, on average. They have financing, you can choose from 6 different lay-away plans. But interest is about 12 %, and there is a contract, signed in blood, on lamb's skin. The ratio of smugglers arrested in MExico is; 3:10. And that last sentence you have there is a statement, not a question, so the question mark is confusing, but I'd say, yes !!! Anything else?
Reply:The price varies. It could be from $1000 to $3000 per person. Depends on where they are taking you - how far. And I wouldn't call it financing what they do. If you have a family member here in the US they hold you as a hostage and require that family member to come up with the money to give them their loved one. A contract such as this would not be binding and is illegal. Mexico frowns on Coyotes but in essence they do not do much to arrest those who do it. Many Federales are the look outs for the Coyotes. In Mexico it's all about the money. La mordida - how much are you going to give a federal for your cargo. Smugglers of human cargo usually do not bring people in safely. There are many risks for those wanting to cross the border. For women - rape and for all, it is dying in the desert or a truck of a car. You have to know Mexico economics to realize that even if a person is working in Mexico, it is a mere existence. All those American factories giving Mexicans jobs, pay $5 per day for an 8 hr day. How can anyone live on $100 a month?
Reply:Yes, you wouldn't believe how bad this slave trade is.
Today, corporate America has discovered a new slave class by naming it “cheap labor”.They do the jobs Americans won’t do.” President George W. Bush sanctions and condones 21st century slavery in America.
They’re imported from foreign countries where they are starved to desperation by their leaders. Average pay in Mexico and Central America is $3.85 a day. Most leave behind a wife and six kids. They risk their lives crossing deadly deserts. They die or are killed by coyote smugglers that respect nothing. They slave in our lettuce, fruit and vegetable fields for a pittance of wages. They live 30 to a house, eat horrid food, suffer financial degradation so pathetic that no American would live or work like that. They work at ski resorts and live 20 to a trailer. They work in hotels and restaurants. They work landscape, dry wall, fast food, construction, painting and as maids. They are not legal. They are illiterate. They are not citizens. They form a subclass, yet are happy because it’s better than their native Mexico. They make up American’s 21st century slave class.
Some of them pay slave traders $20,000 + up front to secure the appropriate paperwork - which they NEVER get, and if they squawk, they are threatened with deportation by those who exploit them.
There are some real unconscionable capitalist pigs running around the country.
Reply:People pay up to $5,000 to get them over here. Safely and Smugglers do not go together in the same sentence. A lot of people are beat, robbed, raped and also left in the middle of the desert for dead.
I think the same banks that caused the mortgage fiasco in the US are offering 0 down on variable rate loans to the smugglees.
Reply:LOL - this is a joke right? A criminal is going to extend credit? And what if you don't pay? He is going to hunt you down? or you get deported and need more credit? LOL - honor among thieves LOL!
Not enough smugglers or illegals are caught, but hopefully, the times they are a changin!
Illegal is illegal!
Reply:This has got to be the stupidest question i have ever answered but I'm gonna answere it anyway they charge about 5k a head and Mexicans dont **** around they want their money up front or no passy u to America to make ure money back!Mexicans in Mexico dont believe in credit when they come to the U.S is when they get ******!
Reply:I don't know and don't care. Illegals need to stay in Mexico. We have enough of them here costing our country a fortune. At what point will people begin to understand that the word ILLEGAL means that it is supposed to be forbidden. My opinion is that people who don't have a problem breaking the law by coming to America do not have a problem breaking the law while they are here.
Reply:they charge about 3000 dollars and if you pay them partial and refuse to pay the rest they do bodily harm to your family left behind and as far as i know its only a verbal agreement and alot ripped off and they really do not care for the people they smuggle
Reply:its on the thousands of dollars, as far as financing goes, have you heard of chinese immigrants that work like slaves to pay off their debt well thats what financing is. and yes mexican immigrants do pay like that
nevermind EASY terms
Reply:I would think $2000-3000. You would probably sign over your first paycheck if you were financing it. I dont understand your last question. Well maybe i do. Not all mexicans consider smugglers safe, they are usually dirty men doing a dirty job.
Reply:please.they are not financing, money up front, for maybe getting you across but most likely dead:either abandoned halfway in the middle of the desert,suffocated in the back of a truck etc....
Reply:It could be a few thousand dollars.
They don't finance -- they're criminals, for pete's sake!
Pay up front. If you can't pay, they will make you pay it off by being a prostitute.
Reply:it costs more than applying for a visa to USA legally
Reply:Ha Ha....yeah they finance allright....and the illegal has to pay them back for years....
Where can I find a Finance Company to Fund my Bad Credit customers?
I am the Finance Director for a Dodge Dealership in MS and I;m trying to find a finance company or bank to fund some of my more challenged customers. I'm talking 3 and 400 becons I know it's out there I've seen it done
Where can I find a Finance Company to Fund my Bad Credit customers?
i have bad credit but I was financed through credit acceptance corporation
Where can I find a Finance Company to Fund my Bad Credit customers?
i have bad credit but I was financed through credit acceptance corporation
What exactly does a Finance major entail?
I am currently a freshman in college and am looking at all types of majors. Currently, I am leaning toward a business degree, but I have very little experience with business or finance of any kind. What exactly does a finance major entail, and is it a big setback that I know very little about the field?
What exactly does a Finance major entail?
I attended Florida State University, and one of my majors are finance. I have provided an overview from:
http://www.cob.fsu.edu/fin/finance_major...
and some courses I have taken at FSU
Finance is considered one of the basic functions of our private enterprise system. Finance can be defined as the art and science of managing money. Each of the many firms, businesses, institutions, and governmental agencies in our economic system has the problems of obtaining, administering, and managing its funds efficiently and wisely. Nearly every decision made by an organization has important financial implications. Thus, the finance student is introduced to and studies the theory, concepts, applications, institutional environment, and analytical tools essential for proper decision-making. Finance is designed as preparation for a broad variety of careers since all organizations need individuals knowledgeable about finance. Careers may be in financial management and analysis, banking, financial institutions, financial markets, investments, portfolio analysis and management, financial planning, and multinational finance. Finance is also considered good preparation for graduate study in law or business.
Course # Course Title Hrs Course Prerequisites
ECO 2013 Principles of Macroeconomics
3
None
ECO 2023 Principles of Microeconomics
3
None
MAC 2233 Calculus for Business and Nonphysical Sciences
3
MAC 1105
STA 2023 Fundamental Business Statistics
3
MAC 1105
CGS 2100 Microcomputer Applications for Business
3
None
ACG 2021 Introduction to Financial Accounting
3
None
ACG 2071 Introduction to Managerial Accounting
3
ACG 2021
General Business Core Requirements for Finance Majors: Students must earn a "C-" or better in each course.
BUL 3310 The Legal Environment of Business
3
None
FIN 3403 Financial Management of the Firm
3
ECO 2023, ACG 2021
GEB 3213 Business Communications
3
Admission to the major
MAN 3240 Organizational Behavior
3
None
MAR 3023 Basic Marketing Concepts
3
ECO 2023
General Business Breadth Requirements for Finance Majors: Students must earn a "C-" or better in each course.
FIN 3244 Financial Markets, Institutions, and Intl. Finance Systems
3
ECO 2013, ACG 2021
QMB 3200 Quantitative Methods for Business Decisions
3
CGS 2100, STA 2023
Plus three (3) electives from the following list of courses:
HFT 3240 Managing Service Organizations
3
None
ISM 3003 Foundations of MIS
3
CGS 2100
MAN 3504 Services Operations Management
3
QMB 3200
MAN 3600 Multinational Business Operations
3
ECO 2013, ECO 2023
MAN 4720 Strategic Management and Business Policy
3
FIN 3403, MAN 3240,
MAR 3023
MAR 3700 Professional Selling
3
MAR 3023
REE 3043 Real Estate
3
None
RMI 3011 Risk Management and Insurance
3
STA 2023
FIN 4504
FIN 4604 Multinational Financial Management
3
FIN 3244, FIN 3403
FIN 4934r Senior Seminar in Finance
3
FIN 3244, FIN 3403
REE 4204 Real Estate Finance
3
REE 3043, FIN 3403
And that's just for starters, go visit that site and look around
tanning
What exactly does a Finance major entail?
I attended Florida State University, and one of my majors are finance. I have provided an overview from:
http://www.cob.fsu.edu/fin/finance_major...
and some courses I have taken at FSU
Finance is considered one of the basic functions of our private enterprise system. Finance can be defined as the art and science of managing money. Each of the many firms, businesses, institutions, and governmental agencies in our economic system has the problems of obtaining, administering, and managing its funds efficiently and wisely. Nearly every decision made by an organization has important financial implications. Thus, the finance student is introduced to and studies the theory, concepts, applications, institutional environment, and analytical tools essential for proper decision-making. Finance is designed as preparation for a broad variety of careers since all organizations need individuals knowledgeable about finance. Careers may be in financial management and analysis, banking, financial institutions, financial markets, investments, portfolio analysis and management, financial planning, and multinational finance. Finance is also considered good preparation for graduate study in law or business.
Course # Course Title Hrs Course Prerequisites
ECO 2013 Principles of Macroeconomics
3
None
ECO 2023 Principles of Microeconomics
3
None
MAC 2233 Calculus for Business and Nonphysical Sciences
3
MAC 1105
STA 2023 Fundamental Business Statistics
3
MAC 1105
CGS 2100 Microcomputer Applications for Business
3
None
ACG 2021 Introduction to Financial Accounting
3
None
ACG 2071 Introduction to Managerial Accounting
3
ACG 2021
General Business Core Requirements for Finance Majors: Students must earn a "C-" or better in each course.
BUL 3310 The Legal Environment of Business
3
None
FIN 3403 Financial Management of the Firm
3
ECO 2023, ACG 2021
GEB 3213 Business Communications
3
Admission to the major
MAN 3240 Organizational Behavior
3
None
MAR 3023 Basic Marketing Concepts
3
ECO 2023
General Business Breadth Requirements for Finance Majors: Students must earn a "C-" or better in each course.
FIN 3244 Financial Markets, Institutions, and Intl. Finance Systems
3
ECO 2013, ACG 2021
QMB 3200 Quantitative Methods for Business Decisions
3
CGS 2100, STA 2023
Plus three (3) electives from the following list of courses:
HFT 3240 Managing Service Organizations
3
None
ISM 3003 Foundations of MIS
3
CGS 2100
MAN 3504 Services Operations Management
3
QMB 3200
MAN 3600 Multinational Business Operations
3
ECO 2013, ECO 2023
MAN 4720 Strategic Management and Business Policy
3
FIN 3403, MAN 3240,
MAR 3023
MAR 3700 Professional Selling
3
MAR 3023
REE 3043 Real Estate
3
None
RMI 3011 Risk Management and Insurance
3
STA 2023
FIN 4504
FIN 4604 Multinational Financial Management
3
FIN 3244, FIN 3403
FIN 4934r Senior Seminar in Finance
3
FIN 3244, FIN 3403
REE 4204 Real Estate Finance
3
REE 3043, FIN 3403
And that's just for starters, go visit that site and look around
tanning
How can I increase my memory capacity to be good in finance?
I want to master everything in finance when I start taking classes for my major in 2008 and I was wondering how could I increase my memory capacity so I can be prepared to be an expert in finance.
How can I increase my memory capacity to be good in finance?
your memory is almost unlimited
The question should be, "How can I increase my memory capability?"
To do this, eat healthy foods, strenious exercise(seriously), relate things to one another to remember things and by this I mean that if you are studying something, and the first letter of each word spells out something like PLATE, you could remember it better by thinking of this. Little simple tricks like this work
I have also learned that stress does not help memory. If you need to, take 5 minutes out of each day just to write down what ever is on your mind, whether you are pissed or not.
Also, the best way to learn things is to review it about every day, maybe 20 minutes out of each day to review what you have learned.
Reply:Take up abacus classes, it will increase the speed of ur thinking :P It works for me. I can do math sooo dam easy, gimme any at least 10 numbers to add and ill hit u up an answer in the blink of an eye ;)
Reply:Stop eating paint chips.
Reply:the most important step is what you have done.....identifying an objective. The wonderful human mind will do the rest. You will find you remember more and more simply because you consciously made it an objective. I was in sales for years and wanted to remember names........I became phenomenal at it...just because it was important to me.
Reply:First rule...
Never copy and paste anything using the computer... It just make your memory lazy.
second rule...
You don't need to increase your memory capacity, you only need to practice everyday. What you are looking for is LONG term memory, whatever you do will increase short term...
I will read more answers to know a little more...
BTW, I am from Mexico, and the only way to do not forgot English, is by looking any task to make you to practicing your skills (Like Yahoo answer from here, i know it is not perfect but, It will some day).
Reply:You will have so much work to do I think anything beyond the course material will be a distraction.
You are looking at your study the wrong way. Finance isnt about rote learning (and at this level nothing should be) it is about understanding the concepts, what a beta represents and how changing the other variables in the financial models effects it and why.
Paradoxically financial studies are very simple, very elegant, just very abstract. There is not a whole lot to remember really but a lot to understand.
Trying to expand ones memory is pointless, your brain is like your muscles, use it or loose it, simply studying is the best way to enhance ur brain power (and good sleep and excellent diet).
Oh and by the way, you arent going to master everyting in finance when you start, that will take a very very long time.
How can I increase my memory capacity to be good in finance?
your memory is almost unlimited
The question should be, "How can I increase my memory capability?"
To do this, eat healthy foods, strenious exercise(seriously), relate things to one another to remember things and by this I mean that if you are studying something, and the first letter of each word spells out something like PLATE, you could remember it better by thinking of this. Little simple tricks like this work
I have also learned that stress does not help memory. If you need to, take 5 minutes out of each day just to write down what ever is on your mind, whether you are pissed or not.
Also, the best way to learn things is to review it about every day, maybe 20 minutes out of each day to review what you have learned.
Reply:Take up abacus classes, it will increase the speed of ur thinking :P It works for me. I can do math sooo dam easy, gimme any at least 10 numbers to add and ill hit u up an answer in the blink of an eye ;)
Reply:Stop eating paint chips.
Reply:the most important step is what you have done.....identifying an objective. The wonderful human mind will do the rest. You will find you remember more and more simply because you consciously made it an objective. I was in sales for years and wanted to remember names........I became phenomenal at it...just because it was important to me.
Reply:First rule...
Never copy and paste anything using the computer... It just make your memory lazy.
second rule...
You don't need to increase your memory capacity, you only need to practice everyday. What you are looking for is LONG term memory, whatever you do will increase short term...
I will read more answers to know a little more...
BTW, I am from Mexico, and the only way to do not forgot English, is by looking any task to make you to practicing your skills (Like Yahoo answer from here, i know it is not perfect but, It will some day).
Reply:You will have so much work to do I think anything beyond the course material will be a distraction.
You are looking at your study the wrong way. Finance isnt about rote learning (and at this level nothing should be) it is about understanding the concepts, what a beta represents and how changing the other variables in the financial models effects it and why.
Paradoxically financial studies are very simple, very elegant, just very abstract. There is not a whole lot to remember really but a lot to understand.
Trying to expand ones memory is pointless, your brain is like your muscles, use it or loose it, simply studying is the best way to enhance ur brain power (and good sleep and excellent diet).
Oh and by the way, you arent going to master everyting in finance when you start, that will take a very very long time.
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