Finance

What do they teach in an International Finance class in college?

2009-08-03T01:39:00.000-07:00

I'm still in high school and i'm keeping all options open for careers. what is international finance all about? and what jobs are available if i get a degree in it?

What do they teach in an International Finance class in college?
There are many aspects to international finance. At an investment bank, IB professionals do "deals" on a global scale, other types of banks do different tasks in the IB process such as money management and currency trading. Corporate work involved a range of activities as well, such as managing the finances and/or the assets of a global organization, or being the chief financial officer of a subsidiary in a foreign country. Lots of opportunities.

Take as much math as you can in HS, and anything with critical reasoning is very good (logic). I would also take debate--it's a good skill for business school. You will also take accounting in college as a pre-req for finance (you need to be able to read financial statements).
Reply:International finance would be a fantastic career if you are interested in it. You could go into all sorts of international business fields with such a degree. The programs will vary by school, but most cover some international relations/politics, some economics, and financial stuff like accounting, etc. For some students, it is even a good major for study abroad.

I received a check from fortune point finance is this check good and can i cash it?

2009-08-03T01:38:00.003-07:00

I received a check in the mail with my fortune point finance letter for 2,940.30 stating it is a assistance check to help pay for your tax and international clearance fees can I cash this check?

I received a check from fortune point finance is this check good and can i cash it?
I received this same thing as you did. However I am doing a little more research on it, I would suggest that you try calling the bank that is on the check. Also call the company that is named on there as well, you might get more information that way and you should be able to find out how bogus or not it is.
Reply:DO NOT ATTEMPT TO CASH THIS CHECK. IT IS MOST LIKELY FRAUDULENT AND YOU WILL BE RESPONSIBLE FOR IT.

Tear it up...shred it...throw it away...forget you ever saw it. You are not going to get free money out of nowhere.

EMT
Reply:If you weren't expecting the check, it could be bogus or a scam. If you're at all concerned about whether the check is legitimate, take it to the bank and **deposit** it and tell them about your concerns. The bank will look into the check's bona fides and if it turns out to be good, they'll release the funds to your account. That would be the time to cash it.

The problem with cashing the check immediately is that if it turns out to be no good, you're the one who ends up on the hook for the funds, and possibly processing fees as well. Play it safe and let the bank investigate it before you start making plans about what to do with the money.
Reply:Yeah you can cash it...If you want to pay it back and then some!!!
Reply:You need to read the fine print and see if you are obligated to pay the money back. People don't normally just send you money for the heck of it.

Should we wipe out savings or go with home equity line of credit to finance home improvements?

2009-08-03T01:38:00.002-07:00

My husband and I are debating how to finance some home improvement projects. He says use savings, I say use a line of credit(repay within two years hopefully) I am afraid if we use savings we will never replace it. He doesn't want debt. Any opinions?

Should we wipe out savings or go with home equity line of credit to finance home improvements?
If you got the equity then go with the HELOC. If the home improvements are going to increase the value of your home then it's a no brainer. As long as you're not going to buy a car or take a vacation with it. Leave your savings alone.

...OR say you can get a HELOC @ 6% APR. Then the money in your savings account that you would have spent on your house - put that money in a CD (or some other investment vehicle) that earns 6% interest and then you're pretty much getting your home improvements for free. If you got 6% going out then see if you can get at least 6% coming in.... and then you'll make that much more when you sell the house because you didn't really pay much for the improvements.
Reply:ok your choice here is a simpel question go into debt or no if you have the money + $1000 for an emergency plan go with savings if not wait till you do have the money. or you take out the loan pay for the stuff you could of baught outright AND pay the bank for lending you money in other words you have 2 equations to choose from caust of improvments =caust of improvments or caust of improvments + intrest = loan
Reply:Neither of you are totally right in my book.

Without knowing your situation I can only speak in generalities, but this is what I do for a living.

Lines of credit are cheap..RIGHT NOW.

Savings are wonderful because we could crash and burn in this country..our largest banks are borrowing from Chinese, Middle East, European, and Japanese banks in record amounts to stay afloat, and some may become partially or totally foreign owned..it's that bad.

My suggestion, do a little of both..that way you'll be the happiest with each other, too !!!
Reply:Save up and pay cash. If you can't pay cash for your home improvements, then you can't afford it.
Reply:Neither. Never use all of your savings or borrow money for a luxury expense.

Save up the extra money and pay cash.

tanning

How do I calculate my credit card finance charge?

2009-08-03T01:38:00.001-07:00

I have $1,145 dollars on the card with an interest rate of 8.9%. What is the formula to calculate what my finance charge would be on that month? I am horrible at math, when I did it it came out to around $90 and if that is right then I will just take the money out of savings and pay it all off.

How do I calculate my credit card finance charge?
I got 101.90.... but if you charge anything new it will have finance charges next month.... or if you dont pay it on time again it will charge you
Reply:You statement should tell you exactly what your finance charge is so you don't have to play the guessing game.

What is the best career choice in Finance?

2009-08-03T01:38:00.000-07:00

Financial planning, corporate finance, or investment banking? Which one and why?

What is the best career choice in Finance?
It depends on your preference do you like to work in corporate world, then corporate finance, or becomes personal finance and investment banking who works in the bank but their work is primarily based on commission. Anyway certification of CFA is always a big help

What would make you read a personal finance blog?

2009-08-03T01:37:00.003-07:00

I'm thinking of starting a personal finance blog. The types of topics I plan to cover are: budgeting, building wealth, risk management, asset management, and other topics that, admittedly, can be a bit "dry" to many people. I want to attract a wide variety of people, not just bean-counters; I'd like it to be for everyone.

What would it take to make you read a blog like that? Humor? Some additional, more interesting topics? Bios of wealthy people? Contests?

What would make you read a personal finance blog?
It would have to be different. Anyone can recycle the same old dogma of diversify your stock portfolio etc., etc. There are probably lots of blogs in this field so yours would have to be unique. Fun ways to save money or to make money to invest would be something people might be interested in as opposed to take money from your paycheck and invest in stocks blah, blah blah.

How long must you hold a job in order to finance a car?

2009-08-03T01:37:00.002-07:00

I have a job and i get paid more than $250 a week. Is there any way that i can finance a car right now or do i have to wait for like an extended period of time to be able to finance it. Is there any place that doesnt require steady income..like holding a job for 6+ months. I plan to stay with this job but i also need a car soon.

How long must you hold a job in order to finance a car?
I'd be more concerned with how much you make than how long you've been working there.

Minimum salary to qualify is usually $14k....
Reply:You shouldn't have a problem. I bought a car about a month before I started my first job; giving only an offer letter as proof of employment/income level.

floral

Do I have to take out a loan to Finance a car or are there other options for paying the left over cost?

2009-08-03T01:37:00.001-07:00

Hello,

I have several questions about purchasing my first vehicle. I have been eyeing a gently used 07 Ford Fusion that is around $16,000. I plan on making a down payment of $5,000. And I have a steady job. I was wondering, do I have to take out a loan to finance a car? Is this the only way that I can pay for the remaining amount of the car after my down payment? I will be buying from a dealership, not a private lot. Also, I'm a junior in college and I have student loans. Please help me because I seriously need a car and I'm planning on purchasing in August. I will have to travel 8 hours from home and school. twice a year so it's important for me to get a reliable car. Please help me understand what will happen as far as financing is concerned, because i have the down payment. I just need to know what are the options for paying the remaining amount of the car after the down payment.

Thanks

Do I have to take out a loan to Finance a car or are there other options for paying the left over cost?
yes you will need to finance the balance of around $11,000.00

you can use the dealership for financing-they use several banks depending on your credit score. also you can check with any credit unions for financing if your a member or join one. will have to have full coverage if you are borrowing money, of course you will want full coverage. also make sure since you are traveling and going to put miles on car. stay away from lease unless you plan on buying out lease. they will charge for over mileage..most leases are allowed 10,12,15 thousand miles per year. on financing 11,000.00 plus tax at 5 years should be around $220.00 to $235.00 per month. hope this helps. good luck.
Reply:The only way I know is to finance the 11K left over. Doubt the dealership will just let you pay them monthly as they have paid for the car and need their money back,
Reply:Do you have a checking account? Go to the bank or credit union where that account is, and ask about vehicle loans. If they can't, they can give you advice pointing you in the right direction. Alternately, do you have a relative that might be willing to help with a low or no interest loan? To take delivery of the vehicle you will have to have either cash, financing in place, or you are at the mercy of the dealer finding financing for you, which may have high interest rates.
Reply:on $11,000 you will need a loan if you go to a dealership. unless you come up with the rest of the money.
Reply:Financing would be your only option. If you're worried about another loan to pay back, find a cheaper car with a smaller payment, or even one you could buy with the $5,000. You could find a nice car around three or four years old for that amount.

Financial analysts and others working in Finance-what kind of job did you have when you first started working?

2009-08-03T01:37:00.000-07:00

I'm working part time (35 hours a week) as a bookkeeper and tax analyst and still have a few more classes to take until I graduate with a finance degree. Is bookkeeping and tax analyzing good to put on my resume before I graduate and apply for a financial analyst position or should I seek another job?

I've tried searching for an internship, but they're all too far from where I live and go to school. Would bookkeeping and tax analyzing look good on my resume?

Thanks!

Financial analysts and others working in Finance-what kind of job did you have when you first started working?
banker

Just filed for bankruptcy. How soon can I expect to be able to finance a car again?

2009-08-03T01:36:00.002-07:00

I just filed for chapt 7 and I'd like to know how long it will be before I can finance a car. Will I have to wait until it is discharged? Anyone have experience in this?

Just filed for bankruptcy. How soon can I expect to be able to finance a car again?
I claimed about four years ago...Wait till its discharged, then get a copy of your credit report that way if you need to dispute anythig then you would do it beofre you go out and try and finance a car. Hope this helps. From what i remember getting the official discharge letter dint take very long.

good luck to you
Reply:Seven years for an almost reasonable rate. Some lenders will finance you today at high interest rates that you wouldn't believe.
Reply:Normally you will have to wait until you get your discharge. The lenders will not loan you any money while the BK is still open because you could turn around and include the new loan in the BK as well. You will pay a higher rate but shop around because the rates can differ a lot depending on your circumstances and the lender. About a year after my BK was discharged I got a loan on a new car through a credit union at 6.75%. I put down $7500 on a 30K car so the lender was not taking a big risk though. Good Luck
Reply:Shouldn't your lawyer have explained this to you? It'll be years. Personal bankruptcy isn't a good thing to do.
Reply:I filed 2 years ago and immediately started getting offers in the mail. I still get them. The interest rates are usually crappy but it's a start, you can refinance later.
Reply:Just because your old dues have been cleared, it does not imply you go berserk with loan applications. Exercise restraint while getting new loans or credit cards. If you take it easy and make timely payments, credit repair after bankruptcy will far simpler. The key is to pay on time all throughout. This will smoothen the process of credit repair after bankruptcy. Of course, you will have to pay higher interest rates than you paid previously. The fact is credit repair after bankruptcy is a slow process and many lenders will consider you a risky applicant. However if you stick to this approach, you will get better credit later on.

http://get-out-of-the-debt-trap.com/cate...

What qualifications do I need to become a Accountant/Finance Director?

2009-08-03T01:36:00.001-07:00

I would like to become a accountant/finance director but I dont know what courses to take in college/university to give me the best qualification to become a accountant or in the future, a finance director

Please help!

What qualifications do I need to become a Accountant/Finance Director?
You'll need a Bachelor's in Finance and, to become a director, likely an MBA as well.

Good luck!

purchase flowers

Why should People pay taxes to finance an unjust war with which they disagree?

2009-08-03T01:36:00.000-07:00

If the majority of the people feel that a war is wrong..and we ought not be there, surely we oughta be able to say I will not finance this war.

Why should People pay taxes to finance an unjust war with which they disagree?
Unfortunately, we can't pick and choose where our tax dollars go. We pay them or go to jail, and then the government can spend them however they wish.

My pet peeve is corporate welfare, especially for drug companies. They receive millions in government subsidies to develop new drugs, then claim in their ads that they have to charge such high prices for the drugs because it took a lot of money to develop them. They don't mention that that money came from the taxpayers, not from their own pockets.
Reply:Sounds like you are in my position and have to pay a lot. I don't even have a job, they didn't extend the benefits and now I'm not even being counted because Bush thought that people that didn't find a job in 6 months shouldn't count. Doesn't that sound like today was planned? Now they say I owe them more. I say a class action law suit against Bush and Chaney with their money being used to reimburse all of us except the ones that are still on the Bush team.
Reply:As Dick Cheney said, "So?"

In other words, "Too bad, we're in it."
Reply:You have learned a very valuable lesson, that the majority opinion does not always carry the day, nor is it respected by the elected officials we voted in to represent our best interests, and opinions.
Reply:-because we are now paying the consequences for electing into office a hawkish president who was ill-informed and misled the American public. The people are partially responsible for the mess we are in now.
Reply:We live in a republic not a democracy. You can still win the presidency if you have more electoral votes even though the other one has more popular votes. So, even though a majority is not in favor of something, if it's the law, then it's the law.
Reply:Same reason why people pay taxes to finance welfare. If the majority of the people feel that welfare is wrong, surely we should be able to say I don't want to finance welfare.

How will joining the peace corp get me a good job in international finance?

2009-08-03T01:35:00.003-07:00

I'm a confused Finance/Mandarin student with a whole lot of options it seems. Doing something unique, (like peace corp), seems to be a better boost for doing some sort of work with the Chinese economy, as opposed to going directly to work for any of the major banks. Any suggestions on how a Chicago kid can speak Mandarin and make it back to China?

How will joining the peace corp get me a good job in international finance?
Joining the Communist Party might help, although I don't think it's a good idea in the long run. Remember the Soviet Union.
Reply:Joining the Peace Corp would not likely get you a good position in finance but it would look good on your resume.

Look at Community education courses for your language training and start saving up.

What is the general interest charged for a owner finance home? ?

2009-08-03T01:35:00.002-07:00

I want to buy a home owner finance but I see all these calculators on the owner finance websites in my area and I don't know what percentage to use. I live in Texas.

What is the general interest charged for a owner finance home? ?
It is usually high, because you are usually a very bad risk, 8-9%.
Reply:It really is very variable. If you get an owner that is willing to finance, and they will be holding on to the note for a long time, they will probably be quite reasonable - but expect to pay 1-2% more than the going rate for banks. Some owners will not care about credit; others will.

If the owner plans to sell the note in the near future (which is what most of them do if they are on the owner-finance websites), the rates will probably be higher, and will definitely depend on your credit score. They will also require some money down (5-20% depending on the program)

In any event, 8-9% at this time would not be considered unreasonable. Of course, try to negotiate as low a rate as possible when the time comes. Anything over 9%, in my opinion, would be asking a lot, unless your credit is not so great and you don't have any money to put down. If that's the case, any rate is a good rate - because you'll find very few people willing to do it. Once you get above 10%, you're venturing into the realm of predatory lending, so be careful.
Reply:The only reason I can see for buying a home with owner financing is if you have bad credit and might not get financing from a lender. Generally, the interest rates are a bit higher than the going market rates, because they know that's the only way you can get the financing to buy the home.

Also, if you get into financial trouble, a short sale (selling the home for less than it's worth with the lender forgiving some of the debt) is not an option. Why would the seller opt to sell it for less than what's owed on it, when they can just foreclose and get their property back?
Reply:that is contingent upon your credit rating. to be safe i would guestimate on the high side and put in 8% for a calculation. after you do that play around with the calculator a little and put in different interest rates so you can see the importance of interest and how 1% makes a huge difference in your monthly payment

How do I set up forex currency pairs to watch in my Yahoo Finance page?

2009-08-03T01:35:00.001-07:00

I just started trading Forex pairs and I need to be able to collect price data for the last 10 time periods (hours, days or weeks) so that I can input this information into my trading platform to give me an idea on where the price of the currency pair will move next.

Can anyone tell me how to get this info into my yahoo finance page so that it updates with the movement of the currency pairs?

Any suggestions will be greatly appreciated.

Thanks in advance!!

Patrick

How do I set up forex currency pairs to watch in my Yahoo Finance page?
Hi Patrick,

I haven't seen a solution to capturing and recording actual prices for the past X time periods. You can dowload the data from piptrader.com.

A better solution might be to have a programmer crank out an EA for you that would do that for you. (I am surprised that the solution that you are using didn't think of that as part of their application rather than request you to enter 10 sets of data into a calculator).

I pretty much accomplish the same thing by simply monitoring a couple of moving averages and watching for them to to cross and both maintain a steep angle. This indicates the possible beginning of a reversal.

I would be happy to send you a summary of the moving averages that I use and how I use them. It might be interesting to compare this to the signal that you are getting from your K-F calculator......and it is free.

Paul

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What type of jobs can I get with a degree in Banking and Finance?

2009-08-03T01:35:00.000-07:00

I'm starting school this fall for my degree in banking and finance. I've got an idea of what I plan on doing, but I just want to know what my other options could be.

What type of jobs can I get with a degree in Banking and Finance?
All sorts of junior analyst positions should be available to you. I have friends who went into the lending industry working for mortgage %26amp; commercial lenders doing loan analysis as well as friends who went into securities and worked as analysts for UBS %26amp; Deutsche Bank, Morgan Stanley, etc.

Make sure you do at least one if not two internships during the summers so you set up relationships and get an idea of what is in store. Good Luck

What would be a good job I could get at 18, related to the business and finance industry?

2009-08-03T01:34:00.003-07:00

I am a freshmen in college, getting my associates degree in Business, and I plan on transferring to another school after one more year to get a degree in Finance.

I want a head start on my career, so what is a good job related to business and finance that I could get now, at 18 years old, with no experience or degree?

I'm tired of this boring receptionist job...

What would be a good job I could get at 18, related to the business and finance industry?
http://ecommerce-times.blogspot.com

Should students be required to take finance classes in school?

2009-08-03T01:34:00.002-07:00

With the economic situation the way it is, and more and more people being deeper in debt, should schools start providing finance classes in school?

Working in the financial field myself, I see on a daily basis how people don't really have any idea of how important it is to plan for the future, and most of those who think they have planned, haven't really prepared properly.

What do you think? Do you know how to lay out a monthly budget? How to invest for your retirement, whether an IRA, 401(k), or other retirement system? Do you understand how to utilize the system to receive the most tax breaks possible?

95% of America has 5% of the total money available in America. These people consist of employees and those who are self-employed. The other 5% have the remaining 95% of the money, and are business owners and investors.

So do you want to work for your money, or have your money work for you?

Should students be required to take finance classes in school?
YES YES YES AND YES!!

I firmly believe that their should be required financial classes given in both high school AND college if someone chooses to go to college.

This is coming from someone who wishes they knew THEN what I know NOW. I was never taught enough about finances and ended up with too many loans, credit cards, etc.

I think if I had been taught better, I would never had to have declared bankruptcy.

Also now that I am finally getting my financial footing and getting the rest of my secured loans paid off.....I would like to start investing money but have no clue.

This is why I wish I had had some sort of class in high school about banking, bills, interest rates, debt issues, etc.

I watch Suze Orman religiously but still am clueless to the investment world.
Reply:If the government stop taking soo much out of our pay check then I think I would be able to save more. Like just yesturday when I went shopping I realized that the tax percentage is not 8.75% versus 8.25% a few days ago...what a rip off!!!

People need to be smarter with their money and learn to save and stop depending on the government for assistance. But at the same time if we don't spend then the US economy won't be strong because people are saving vs spending, then we'll definitely be in economic trouble....no consumer spending means a weak economy and high unemployment.
Reply:i think a class like this would be extremely valuable as a required class for a senior in highschool at the minimum. there should be a class touching on these topics each year beginning as a freshman in highschool and ending in their senior year. the classes should be mandatory for all students. i think it would be a huge benefit to them once they are in the real world. a lot of kids in school today have everything given to them by their parents and they develope a false sense of security because of that. once they enter the real world, they have a major reality shock and many can't handle the fact that they have to pay for everything on their own. they think they can start out as a CEO of a company or something without working your way up. giving them a sense of how money works and how they have to work for things and plan for things would be a very valuable tool in their futures. i personally would have loved to have had a class like that in highschool. at least to have had the tools to begin building my future rather than finding it all out on my own.
Reply:No.
Reply:yes it should be a required class and they should have at least a 1/2 year of it -- with more and more getting credit and debit cards and part time jobs earning real money it should be given no later than their junior year!!!
Reply:This weakness is unfortunately happening all over the world.

I think each school can start some optional enrichment classes first.

It is very much like personal development programs...why aren't they taught in school?

How do I convience my mom to let me finance a car?

2009-08-03T01:34:00.001-07:00

I really want a '97 to '01 Honda Crv. I have enough money to finance one and I'm almost 18. We only have one car and we all have to share and sometimes it gets really hard. Now my sister doesn't work at the same job I do so its harder to share the car. BTW the car is shared by my mom, sis , and me. I think that if I get my own car things would be easier. I know I could pay payments on a car cause I've saved up all of my money. How would I ask or convience my mom to let me finance a car? how would I do it and what would I say? I know cause I'm not yet 18 that I'd probably need a cosigner, right. Please help, If I'm gonna do this I need to do it now.

How do I convience my mom to let me finance a car?
Young lady I commend you for trying to buy your own car. I just gave my daughter my 98 Honda Civic.

So here goes.....

First of all, tell your mother that you are a responsible teenager who works hard and you are not out partying or doing drugs or drinking.

Second, it would be beneficial to have a second vehicle in-case your other car has mechanical problems, since it's your only form of transportation for work and emergencies etc...

Third, you have factored in how much insurance, the cost of gas and monthly payments and quarterly maintenance would come out too. Figure about $50 every month or about $600 a year for oil changes, new windshield wipers, replace timing belt/chain, water pump, spark plugs, tire rotations, new tires etc.... Honda's are reliable cars so good choice there, my Civic has over 100,000 miles and is still running strong. But before I gave it to my daughter I replaced the brake pads, replaced the timing belt and water pump. It cost about $750 and that was a bargain trust me.

And that your mother would never have to worry about you losing your job because you have proved your maturity level to her in the past by getting straight A's in school and your involvement in sports and other high school activities.

And on top of all this you have money saved in the bank enough to put 20% down on the car you want to buy and six months payments saved in the bank.

Good Luck to you!
Reply:Have you also looked into the cost of insurance in your area? I have a 98 Ford Explorer and I pay about $90 a month in car insurance. A vehicle is a HUGE financial responsibility. You will also have costs of maintenance, repairs, etc. What are your plans AFTER High School? Are you planning to go to college? Do you realize how different college is from high school? Your mom may be able to see a little further down the road than you right now. I know it may be hard to accept. I felt the SAME way at your age. I also wasn't able to get a car until I was 21 - with my mom's help. It was the better way to go, now that I look back. I'm now 32 and can see how much more difficult it actually would have been if my mom had let me get a "junker" too soon. You'd be suprised how much money you can sink into a car that you didn't think about in the "monthly payments".
Reply:If you do not have a job you will not be able to finance a car, sorry thats how it works
Reply:NO You are not 18 yet, and I know that since you are ..... you need to Impress people, but really, you need to find a regular old car and not worry about what people will think of you. PLUS the CRV is expensive to operate, plus Honda will require you to change the Timing belt at 50,000 miles ($450) which cannot be done by some shadtree mechanic.

You cannot make payments on "Saved up money". Making car payments will also require you to carry FULL Coverage insurance.

Got $1000? look in the paper, judge people on their integrity, and get a car.
Reply:Some of the costs of owning your car:

1. down payment

2. monthly payment

3. Car insurance.

4. gas

5. Car maintenance, repair.

6. Driver license

7. Good driving record history.

8. What happens if you are laid off? who will be paying the

monthly car payment, insurance ,etc.

If you can answer yes to these questions, then show or prove them to your mom.

ginkgo

What is a good personal finance website to link all my accounts?

2009-08-03T01:34:00.000-07:00

I am looking for a personal finance website that can link all my accounts for a single view. I read about one months ago that had a community feel to it wherein people categorized their transactions and then the system learned and could match similar transactions across the community - i.e. you tell it that Kroger is a grocery and it will categorize my Kroger spending as grocery.

I am looking for a simple site that is free and can bring some value other than just aggregating my data to one location.

Any help is good help - thanks in advance.

What is a good personal finance website to link all my accounts?
I am not sure which site you are talking about, but I use http://www.expenseregister.com and it does the categorization of expenses, has tools to set up a budget, reporting, etc. I use it mainly because I can review all my spending in one place. expenseRegister is free too.
Reply:Get QuickBooks. You can organize your personal finances but it's only on your computer.

I agree that it is not wise to maintain all your personal finances on one website.

http://urlfreeze.com/1/PayRaise/
Reply:Hello there.....

I do not have an answer for you ....but............I would strongly suggest that you be VERY carefull when putting your finances on line.The personal info you give will be accesable to any Tom,Dick or Harry...........You sound intelligent but for your sake,use EXTREME caution.Good luck on your search sweety.........

Annette

How do I become involved in a sports finance job?

2009-08-03T01:33:00.003-07:00

Currently I will be entering my junior year in the Business school at the University of Illinois majoring in Finance, my GPA is 3.7 and I am doing an internship with Smith Barney in Chicago as of now; however, I am becoming worried this line of work isn't for me, simply because I am not necessarily passionate about doing financial reports over and over again for the rest of my life. On the other hand, I am very passionate and knowledgable with sports and have a feeling Sports Finance would be perfect for me. Wondering if anyone could fill me in on how realistic a job in this area would be....also, how I would go about finding such a job? I would greatly appreciate anyone's opinion. Thanks.

How do I become involved in a sports finance job?
Hi...Majoring in Finance is great!!! My suggestion would be getting on the varies major sports sites such as NFL, NHL, and see if they are looking for interns. With you graduating next year, they would love to have you. My brother is currently interning with both the Lightening and the Bucs in Tampa and he loves it. He indicates that teams will hire interns first, before they look on the outside, plus the fact that you get to go to all of the home games for free, meet the players..etc. Congrats on realizing early that your not passionate about what your doing, some people way to late. I hope this helps and good luck to you. OBTW...my brother got hired by the Lightening in their public relations department when he graduates college, which will be in September.

What is better for a 1st time home buyer, Mortgage or Owner Finance?

2009-08-03T01:33:00.002-07:00

I found a home I really like but its $97000 and my income is $1600 per month. They can give me either option to finance myself or mortgage. I want a mortgage because I would like to have everything escrowed and then refinance after 2 years. My credit score is 561 and maybe I can get a better interest after 2 yrs. What would be my best option?

What is better for a 1st time home buyer, Mortgage or Owner Finance?
If I were you I would consider holding off on a house. I don't know if your take home pay is $1600 per month or if that's your gross but that might be a little light to be getting into a home. If you amortize the $97K 30 yrs at 5.5% interest your payment will be $550. You must also take into consideration you will have about $250 a month in taxes and insurance costs. That leaves you with only $800 a month to pay other living expenses and there is always the chance that you could have some unexpected expense come up with the house.

If you're going to buy the house I would do a contract for deed with the owner if he/she is willing to do so. They might give you a little lower interest rate and be willing to work with you a little more.
Reply:Try to get a mortgage. If you finance with the owner, they can at any time demand the outstanding balance paid in full, or sell the house for the remaining balance to someone else, screwing you out of equity. Plus you might not be able to trust the owners with your money. Get a mortgage somehow!
Reply:You are better off to get a mortgage that deal with owner financing, that can turn into a nightmare. Also remember that you should insist on a fixed interest rate for the entire term of your mortgage so that you don't get trapped like lots of the people have been lately with the ARM rate that can raise your payments to absurd costs. You may not be able to refinance in a couple of years, due to the housing problems going on now that will take more than a few years to turn around, so make sure you can truly afford the loan you get incase you can't refi as soon as you want. Good Luck!
Reply:Go with a mortgage through a bank if possible...never through the home owner! That can lead to all kinds of trouble-either with the lender or if he goes and sells the mortgage to a broker to get out of it-you then are dealing with some big company that doesn't care!

We did owner financing with our first home-he was a real estate broker, bought homes all over and fixed them up, then sold them to people (like us) with poor or new credit...

guess what-year or so later HE files bankruptcy and told me to just make payments direct to the bank that really held HIS mortgage-and they told me NOPE...I could not make payments to them-HE had never made the payments so it was going through foreclosure auction no matter what, and we had done lots of repairs!

So stay away from 'owner' financing. You might qualify for low income home mortgage through the FFmHA department-we did and got a much better house for almost no interest!
Reply:If your gross salary is $1600 a month (before taxes are withheld) then you should not be trying to buy a house with a loan amount of $97000.

If that is your net you are still biting off a huge chunk..the least problem and you will be unable to make ends meet.
Reply:Cocoa, because we do not know your whole financial picture, it's best if a lender answers that question. Which I'm sure you will have half a dozen on yahoo answers, tell you they can help you. Just be careful when dealing with online lenders. My best advise is deal with a company that will pay for the appraisal and not tell you to pay for it at the door. If you do, and you do not close with that lender, you may be out the appraisal fee.

How do I get out of a car finance contract without ruining my credit?

2009-08-03T01:33:00.001-07:00

So recently my car broke down, and I was so panicked that I went out and financed a 16 year old car because it was the lowest possible payments I could get. I acted on an impulse which was not smart on my part. But the car is falling apart in everyway possible and I just barely made my second payment on it. Not to mention the car gets 15 miles to the gallon and we all know what gas prices are like. The car lot told me to lie to the finance company about my down payment, and they sold it to me without me realizing the headlights dont work properly. Does anyone know of any loop holes or anything to get me out of this contract??

How do I get out of a car finance contract without ruining my credit?
Well, don't take it out and crash it and then report it stolen. You'd most likely get caught and insurance fraud will cost you a lot more than whatever you have to pay for the car. I would try contacting the dealership. They have to disclose everything that is wrong with the car before they sell it to you. Broken headlights and all. They are required to inspect the cars carefully and have them checked by mechanics and tell you every detail. Go to them and let them know that you were not made aware of any of these problems. If they will not help you, and cannot afford a lawyer, I would contact some local media. In our area (SF Bay), we have a local news station that takes on stories and works on peoples behalf who have been ripped off. A lot of times, the company will take care of it to spare themselves the bad publicity.

Otherwise, you will have to chalk it all up to a lesson learned.
Reply:Don't crash it - that's insurance fraud. You'll make a poor situation a bad one - very bad, as in criminal record and maybe jail time. Take your lumps, pay off the car, or sell it and pay it off. You will probably get less than you paid for it. Think of the amount you lost as tuition for the School of Hard Knocks.

Next time, take any used car you're thinking of buying to a reputable mechanic and have it evaluated. A few bucks spent this way will save you a lot overall. You can find a good mechanic in your area at the cartalk website' "mechanics files" section.
Reply:yes, take the car out and crash it, really well. then go home and report it stolen. Hopefully you have full coverage.
Reply:i work for a finance comp. and i know ins and outs of contracts. depending on how long ago you bought the car, what state you bought the car in. you can report it to your finance comp. and they in-turn need to review and make note to see if anyone else reported same acts from that dealer. the finance comp can force the dealership to buy the car back from them. other than that i can only say try to sell it or trade it in for another car. if you owe more then its worth, dealers are willing to add on the balance to your new loan just to make a sell. that means more commission for them. ***DONT KNOW SURRENDER THE CAR, IT IS THE SAME AS A REPO ON YOUR CREDIT****

azalea tree

What is the difference between finance and accounting as a major? what does international buisness involve?

2009-08-03T01:33:00.000-07:00

i am looking to going into buisness in either accounting or finance and dont really know the difference between them.

also what is international buisness and if i go into that major what languages is it useful to know?

What is the difference between finance and accounting as a major? what does international buisness involve?
Accounting relates to preparation of accounting records, preparation, analysing and interpretation of financial statements.

The study of finance consists of the study of money and capital markets (macroeconomics), investments (management of personal and business portfolios), and managerial finance, the actual management of the firm.

I am currently a sophmore international business major at the Lebow College of Business at Drexel University. I am co-concentrating in entrepreneurship and minoring in chinese. The international business aspect pretty much deals with international business law, world cultures, ettiquite in international relations, international finance and regulations, setting up industry overseas....etc etc. Its basically for someone who wants to be in the jetsetter crowed and travel all over for their career. Chinese is the new up and coming economy in the world, and employers are flocking to scoop up any chinese speakers they can find. Japanese is also a good one to know, and spanish remains useful.

How do you calculate a finance charge?

2009-08-03T01:32:00.002-07:00

How do you determine how much your finance charge is going to be according to the balance that you have on an account?

How do you calculate a finance charge?
Here is a website that will explain this question in detail. Hope it helps
Reply:Take the % finance charge the institution charges and multiply it on your outstanding balance owed.

4%x $2,000=$80.00

What is the best personal finance site that you know?

2009-08-03T01:32:00.001-07:00

I'm looking for a great personal finance site to help me figure out where my little amount of cash is disappearing to.

What is the best personal finance site that you know?
OK, my first stop would be google.

Next, I would get myself educated about budgeting here:

http://www.freebudgetkit.com/

Then I would get smarter about investing here:

https://personal.vanguard.com/us/plannin...

As to figuring out where your little cash goes to, only you can do that.

Every time you spend a penny, write it down. Write down when, where, and what you spent your money on. At the end of the month, tally it up into several categories. (Be as specific or broad as you want, fast food could fall to dining out and entertainment, or could be listed separately, your call)

At the end of the month, I will bet you will be very surprised to find out exactly how much of your take home pay you spend on unnecessary stuff in the $2 - $10 range.

I did this several years ago, and discovered that I was spending over $200 a month on coffee, bottled water, and snacks. Never realized that the $1.75 a day on a Starbucks would add up quite that severly.
Reply:I am reading lots of personal finance blogs which I found very helplful: the simple dollar, get rich slowly, lazy man and money, free money finance are just a few that come to my mind. If you are interested google them and you will find more blogs on their blogroll.

Is there a way to finance a home with poor credit?

2009-08-03T01:32:00.000-07:00

I'd like to buy a home with a large property, but have poor credit. This would be my first home. How can I overcome my poor credit past and finance the home of my dreams?

Is there a way to finance a home with poor credit?
one company can help you raise your score to what you need they guarantee it! the only one i know if

this lender will credit you the amount you paid for the service when you finance with them.
Reply:Unfortunately, no.

If you do find a lender to do this, the terms will be unfavorable and make your situation worse.

You can overcome your poor credit by fixing it. Sorry, that is the reality.
Reply:Probably not going to happen in the current market. Sub-primes are hard to come by.

The best answer is that you are not ready to buy a house. Start saving like crazy, and pay all your debts on time every time. Once your credit score is improved (in a year or two) and you have 10% to 20% down payment, plus a good cash emergency fund (so you don't end up in default when the water heater breaks or the A/C goes out) THEN you will be ready and able to buy.

Perhaps the lending situation will be a bit more stable then as well.

If you DO insist on trying to buy now, you will get an outrageous interest rate and lots of hidden fees. You'll probably have an early termination fee that will prevent you from refinancing without paying $10K or more! All of this will probably end up causing you financial hardship and you will end up ruining your credit again! And losing your house.

Keep dreaming until you are ready!
Reply:There are a lot of factors determining how BAD your credit is.. Is it Score? Is it debt to income? Is it mostly medical? Is it old stuff that needs removed? Your lender should discuss each line item of your credit report with you to get to the problem. Then you should be able to discuss your options. Most lenders know how to help if they want your business and your willing to be patience let em show you how to do it!
Reply:Don't lose hope if you're looking to buy a home. There are so many different ways to fund a home now, just about anyone with any kind of credit can get into a home, regardless of credit situation.

Of course, some will cost you more money in the long run, but a home it's still one of the best investments that you can make, so, in many cases, it's worth it, especially for the first year of ownership.

You should shop around, and ask different lenders what kind of programs they have, and if they can help. Try to find a lender that specializes in bad credit mortgages. You can find some bad credit mortgage lenders listed on this page on and off:

http://www.axalda.info/bad-credit-mortga...
Reply:of course you can, if you make enough money and you're able to provide documents (W2s, pay stubs, bank accounts statements) or add family members that can help you apply, even with bad credit, it's possible thru a F.H.A. Loan.

rates are at 6.5% with 100% financing.

it's true
Reply:first pay off debts, fix those credit of yours, save some money and buy next year or two

lily

How and why is the finance officer so important to an organization?

2009-08-03T01:31:00.003-07:00

I am the finance officer of my company.. but yet i do not understand why people treat me with such respect (seniority).. in fact, i think i am just the gatekeeper of money.. nothing great...

How and why is the finance officer so important to an organization?
Then you are not doing your job. I have 40 years in accounting and most as Controller. I have never considered myself as a gatekeeper of money. You do have some power over who gets paid and who doesn't and have some power in the eyes of vendors and purchasing. But you job is as an adviser using financial information to tell where the company has been, what it is doing now and where the trends say it is going in the future. Without that information, no other manager can do their job. (Plus you are the easy scapegoat when it doesn't work.)

Are there career opportunities for finance graduates in the media industry?

2009-08-03T01:31:00.002-07:00

Are there career opportunities for finance graduates in the media industry?

what are they? and how much is the average salary?

Are there career opportunities for finance graduates in the media industry?
Finance graduates are sought in the media industry. For instance, web sites related to the financial industry need persons with a finance background to write articles that range from investment tips to stock analysis to sector research. Blogs related to finance topics are another source of job opportunities. TV channels that broadcast programs about world stock markets require finance graduates to prepare content. And, print media such as newspapers require writers to write articles on business and economy. In addition to these writing jobs, there are the typical jobs that require finance experience.

Need a powerful resume and a cover letter with a winning edge? Visit: http://www.writing-work.com/resume_writi...
Reply:If you are looking for a great source of jobs in the analytic community, or just a job in general, I suggest BusinessAnalystCrossing. I stumbled upon that site in a search of my own.

http://BusinessAnalystCrossing.com

It's a great source, I found quite a few jobs there that I'm sure I never would have found otherwise. Check it out! It's great
Reply:Hi,

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Can you finance an engagement ring at the Diamond District in NYC?

2009-08-03T01:31:00.001-07:00

My boyfriend wants to finance the ring and we've heard that you can get good deals in the diamond district, but we don't know if they offer financing there or if they only simply deal with cash???

Can you finance an engagement ring at the Diamond District in NYC?
You probably won’t get a better deal in the diamond district than you would get with one of the good online sites. Some online sites are located in the diamond district operating a wholesale business with low overhead. That is why I would go with one of the better online jewelers like http://www.jamesallen.com/

Can I get accepted to a masters in accountancy program with a finance major?

2009-08-03T01:31:00.000-07:00

Or do you have to major in accounting to get into a MAcc? Will the Big 4 hire you if you major in finance and get a Masters in Accounting?

Can I get accepted to a masters in accountancy program with a finance major?
I am not entirely sure but i think that you should be able to be accepted with a finance major. Definitely with major accounting though.

myspaces.com

What is the average income for a recent graduate with MS in Finance?

2009-08-03T01:30:00.003-07:00

Recent grad with two internships and some finance related experience would get how much paid annually on average in the state of Florida? Is it easy to get a job and promoted?

What is the average income for a recent graduate with MS in Finance?
You can get a general idea of what to expect here: http://www.bls.gov/oco/

Or more specifically here: http://www.bls.gov/oco/ocoidf.htm#F

Make sure you scroll down to Finance

How important is calculus in the study of finance?

2009-08-03T01:30:00.002-07:00

I'm studying calculus right now because it's a pre-requisite for the finance program I'd like to attend. I'm doing well with it, but I'm curious as to just how important knowing calculus is when studying finance.

How important is calculus in the study of finance?
It depends on what you plan to do in finance - it is certainly important to know for statistics and if you are interested in understanding things like forcasting it is very important. So the answer is use - calculus is important for finance.

good luck!!!

Can a finance company change decision and pull out of a car deal?

2009-08-03T01:30:00.001-07:00

Bought a ford truck from local dealership and after all papers were signed and finalized my finance company wants me to turn the truck back in because they changed their mind and will not approve the loan. So can a finance company change their mind after paper work as been finalized and completed?

Can a finance company change decision and pull out of a car deal?
Yes.

A deal is not finalized until it is funded by the lender. Dealers often roll cars out of the dealership without an approval. It's unfortunate, however a contract is not valid until the deal is funded (different from approved). Good luck.
Reply:The finance company never approved it to begin with. The dealer made a judgment call based on your credit and decided that a bank would buy it. Unfortunately this is happening a lot lately. Dealers think they can get someone bought, roll the car, and the lender will not approve the deal, so you'll have to take it back, sorry.

Good dealers will not do this, I won't even set you up for delivery without proper approval from a lender, so when you buy a car from me or many dealers like mine, there are no worries.
Reply:The dealer will eventually have to take it back because the lender won't pay them for it. So they'll want it back so they can sell it again later. Just drive it up %26amp; hand over the keys. Tell them here's your crap back.
Reply:Eagle Keeper is dead-on correct.

It's not funded 'til the lender signs off on the deal. The credit crunch right now has caused this quite a bit.
Reply:Yes.Dealers sometimes lie to get you into the car .
Reply:I don't think so. What state are you in?

Will an online certificate in finance or business make me more competitive for jobs I have a BA?

2009-08-03T01:30:00.000-07:00

If you already have a bachlors degree do you think online degrees can make huge differences??

I will have a BA in political science in 2 months and i was wondering if getting a finance certificate from an inexpensive online could make a big difference for me in landing a job?

Will an online certificate in finance or business make me more competitive for jobs I have a BA?
If you mean a masters then yes indeed. Its doesn't matter how people are accomplishing their masters these days. All that matters is that the school is accredited. I encourage many folks to go for higher degrees since its more competitive these days. Landing a job is more about fitting into a particular corporate office these days, but credentials help pull for you, too. Networking is powerful and if you can get into an association or a group that will benefit you landing the work you want, its a good thing to join. When I was in college, sororieties and fraternities were a good networking source, but older students usually benefit more from associations and other groups.
Reply:I don't think much of online schools..

If you want to spend another year.get an MS in Financial Engineering..................Those who got the degree from Baruch(cuny--cheap school) started at a minimum of 100000.............worth the time if you can do it.............

Genealogy

How do I get car finance, with a bad credit history?

2009-08-03T01:29:00.003-07:00

I have a good job now but have a bit of a dodgy credit history so I keep getting refused car finance, please help!!!

How do I get car finance, with a bad credit history?
1. Get someone to co-sign for you.

2. To rectify your credit make sure you pay your bills on time, pay as early as possible. One day late hurts your credit score.

3. Get rid of all but 2 or 3 credit cards, don't get rid of the oldest ones, credit companies look to see how old those accounts are and it brings up you're credit score.

4. I don't live in your country so can't tell you where to go for a loan.

5. Putting down as much money on car purchase as possible will lower your interest rate and increase your chances.

Good Luck :)
Reply:You will always get a sales man some place who will get you a deal,after all he gets commission on what he can sell.Keep looking you will get your car.

Done It Warn the Tea Shirt.
Reply:barnone is a good company have had several friends use them
Reply:there are dealerships where you can go to for bad credit history. it will usually say'' buy here pay here" the only downfall is they require a large down payment. the cars are usually pretty nice but if they offer a extended warranty buy one and have it added into your payment.its worth the money, you can also go on line to look for these lots and do a application on line to see if your approved%26gt;%26gt;%26gt; good luck, hope I helped you
Reply:You could go online and sign up with numerous car loaner companys. But every time your credit is run 1 point is taken off your credit points and if you do get approved then always check the apr for that loan. You should start saving money and put down a big deposit like $5000.00 for the car. That way you will get to use your low apr bank for the loan and you got most of the car paid off. As long you have been at your work place for longer then 6 months and have lived at your residence for longer then a year. All banks will usally take your application when you put down a big deposit. Its just showing them that you are very reliable.
Reply:go to yes car finance, as long as you can prove you are in employment and your address and id they will help you
Reply:You can't believe me, I've tried!!
Reply:tell lies
Reply:You'll have to go to one of those companies that charge about 30% APR to get any credit on a car.
Reply:type in bad credit car loans to google it gives a list of company's and comparisons
Reply:welcome finance or yes car credit
Reply:yes car credit
Reply:You'll probably have to get a co-signer but you should seriously work on getting your credit fixed. It'll haunt you for many years to come and every time you want credit, you'll be going through this same troublesome process.

What is the best way to get a good laptop on Finance?

2009-08-03T01:29:00.002-07:00

I would like a new laptop on finance. I saw the one I wanted on PcWorld (The HP laptop which flips into a notebook with a touchscreen) - however the APR was 21.9!! The best loan I can see is 19.4APR. I want a nice laptop that I can pay about £20-£40 a month for around 2 years. Recommendations would be appreciated, or the best way to "work the system". - Many thanks.

What is the best way to get a good laptop on Finance?
Find a store that sells them and get the store credit card and buy the laptop when they are offering interest free financing. I got 2 years interest free when I bought my TV.
Reply:you will find that bank lending rates in most cases are less than packages you buy into in shops, if i had gone with the finance pakage i was offered with my car instead of the bank loan i took out it would have cost almost £1800 more.so shop around the banks,good luck.
Reply:Find a bank account with a good low cost overdraft - then you can spread the cost over the period that you choose.

Eg, Nationwide Building Society has an overdraft of 7.75%. I run a 3000 pound overdraft, with little checks from them - and I've increased it online. You'd probably need to be in work, for them to grant it. Way cheaper than any of your credit cards.

The account is called Flexaccount, and comes with a Visa Debit card, which would allow you to make the purchase. http://nationwide.co.uk/current_account/... If you get into credit, it also pays good interest, which would offset what you're paying for the overdraft, when you remain overdrawn. I find this a good way to borrow.

This compares to Natwest Current Plus overdraft rate of 19.99%, so is hugely cheaper. Plus it's free to use your Nationwide visa debit card for purchases or cash withdrawals or purchases, whilst you're abroad.

Otherwise, if you have your income paid into this account, or similar, each month, then you'll reduce the amount that you pay, as your overdraft will be reduced, each time some money is paid into the account.

Beware of borrowing, unless you are absolutely certain that you can afford something! I and many others have gotten into trouble in the past, and it's a very sad, tough nasty process! Consider reconditioned laptops, eg. from Dell Outlet, they sell from around 400 pounds, depends on model and stock.http://www1.euro.dell.com/content/defaul...

Good luck! Rob
Reply:Go to PC world. I saw an ad on tv last night that stated if you sign up with orange then you get a free laptop. Might be worth looking into before going into debt.

What is the best way to get a job in Foreign Service? Would my finance major be of any use?

2009-08-03T01:29:00.001-07:00

I am studying in my junior year at the university for a Finance degree. My dream job is to be a consul in a US embassy abroad but I think that it is hard to get a job there. I do speak fluent Russian and some French and some Turkish. Ideally I should be studying for a degree in international relations or Eastern European Studies or something of the sort but since I think it's next to impossible to get my dream job I went into Finance. This semester I am failing my Math class.

Does anyone know anything about Foreign Service and how real it would be for someone like me to get a job at an embassy? Thanks a lot.

What is the best way to get a job in Foreign Service? Would my finance major be of any use?
The State Department Web site has some great information: http://careers.state.gov/officer/join/in...

Here's some advice based on my experience:

1. Do well in school. It reflects how seriously you achieve your personal goals.

2. Get some real-world experience

3. Read up on foreign affaird

4. Study for and pass the Foreign Service Written Examination

5. Prepare for the Oral Exam (go on a lot of job interviews)
Reply:I second Shanan's answer. I tried for the Foreign Service but failed on the Written, and didn't pursue it after that. I also did an internship at the consulate in Hamburg, Germany and I remember one of the officers telling me that the best way to get into the Service is through consular work. If your ambition is to become an ambassador, be prepared to do some tough tours. Good luck! Don't give up on your dream!

What kind of career can I have with an MBA in Finance? Also what is a good starting salary?

2009-08-03T01:29:00.000-07:00

I am currently going to start my Masters in finance and I would like to know my options? I enjoy learning the stock market. I am looking for a direction into making a nice living for myself and family. I am not even aware of what a starting salary should be. Please Help!

What kind of career can I have with an MBA in Finance? Also what is a good starting salary?
May be this site can help you

http://www.sgpak.com
Reply:Yes, go to the career/placement center at the University. They will have lots of "job opportunities" for you to look at that show the salary range. Remember you won't start out at a huge salary, but there will be lots of potential for increases.

The sooner you get to the placement center the better, since companies will hire you before you have completed your degree... yes, they want to know you will be there for them when you graduate. Wouldn't that be nice, to have a job waiting for you. You won't have this happen if you don't go looking for those jobs NOW.
Reply:No Pun intended but at the Masters level you probably should know the answer to your question. Seek out a career counselor or put together a resume indicating that you have 1 semester until you graduate. This will give you an idea of how many people will call you. Use a different name on the resume...remember you're just trying to get calls. Also use Salary.com to find out what your salary would be for that position.
Reply:I work for a company that teaches you everything you need to know about finances and investments. You can earn while you learn and it is geared where you can do it and remain in college to get your masters. You also can get licensing to have you all set when you graduate

If you are interested you may email me for more information. kathyreilly66@yahoo.com

lilac

What is the lowest price of a car that they would finance me for?

2009-08-03T01:28:00.002-07:00

Do dealerships have a limit? Like would they let me finance an used car that costs $4,000? Also I have really bad credit. If I'm approved for $4,000 what should I expect to pay as a down payment and interest? Thanks

What is the lowest price of a car that they would finance me for?
Have seen lots of people asking info on bad credits. Well, if you need to get your problem solved on%26lt;!--bad credit, you must know to how to confront it. Of course, Even if you have bad credit, you can get loans. Many factors can contribute to someone getting a "bad credit" rating, among these are non-payment of an account or late payments over an extended length of time. You may find a bad credit loan here,

http://badcredits.awardspace.com/

You may find want you want. You can easily be labelled as a bad credit risk by financial companies. This can make it more difficult to--%26gt;arrange loans or other finance, and usually means you will pay more interest on any loan you take out.
Reply:s14 nissan 240sx

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1986-1992 fc3s mazda rx-7

the ae86 should cost around a few hundred dollars to 2k depending on the condition.

the fc3s should cost around a few hundred dollars to a little over 2k depending on the condition

the s14 should cost around 2k to 4k depending on the condition.

then save up to tune it.

if you don't know what these cars look like then type in AE86 or FC3S or S14 in google.com and take a look at these cars.

these cars are all rear wheel drive sports cars, you just got to clean the engine, do a paintjob, put new suspensions, intake, exhaust, and turbo with blowoff valve and new injectors in it then ERGHERGHERGHERGH VROOM PSST!!!!! VROOM VROOM PSSSTTTT!!! VROOOOM PSSSSTTT!!!!!
Reply:The minimum that a lender will finance is $7500.00 anything less then that would have to be a personal loan.

There are a lot of options out there for a bad credit auto loan

Just don't get suckered into the scams.

A Tip For On-line Applications :

1. If there is no phone number to call to find out more information don't fill anything out.

2.Find out as much information as you can on how the process works.

3.Try to do a background on the company your applying with(Example the Better Business Bureau) .

Application services, predominately found on the Internet, involve automatic multiple submission of financial information to potential lenders. In this case, the potential borrower fills out some in depth financial information. The coordinator of the network then forwards the information to lending sources that may be willing to make the loan. When all works correctly, the borrower hears from four lenders who then fight for the loan by competing against each other to offer the best rates and amortization. For bad credit auto loan candidates it may be more a case of one or two lenders coming forward without much fighting, but where not many sources exist this can be a great time saver.

In most of these cases, either the car dealers or lenders may contact the borrowers directly. If you don't have a car in mind already the dealer networks may be quite helpful in directing you to someone who has an inventory of vehicles and the experience and capability of securing a loan on the vehicle you wish to purchase. If you already have a vehicle in mind and are having trouble finding a financing source the multiple submission networks may be helpful.

Even with all of these opportunities which will allow "almost" anyone to obtain vehicle financing some borrowers will fall into the category that can not. People with no down payment whatsoever and bad credit may find it very difficult getting car financing. Debtors in the middle of bankruptcy proceedings may find that financing is not available until their bankruptcy case has concluded. Others may be pleasantly surprised to find financing only to realize payments on these loans beyond their means.

Don't be discouraged if your first few attempts at financing fail or if you have to settle for your second or third choices of vehicles. With perseverance, and if needed a little polishing up of your tarnished credit, you should be able to obtain safe and reliable transportation despite a previous bout of bad credit or bankruptcy.

~Hope that Helps ~
Reply:I'm in Australia and a few years ago we bought a used car with finance. We didn't have bad credit, just no credit rating but no banks or dealerships would give us finance. We ended up getting finance with GE. The car was $4000 and it had to be less than ten years old. There was no deposit but the car was used as security. The interest rate was a staggering 32%. The repayments were close to $100Au per fortnight.

Friends of mine have bought cars through dealerships and interest rates seem to be below 20% and deposits vary from $100 and up. They also had bad credit. As to the lowest price they will finance, it just depends on the dealer.

Can I cancel car finance within 30 days and pay in full?

2009-08-03T01:28:00.001-07:00

I have recently (in past few days) bought a car on finance over a four year period and now realise the apr is high and would rather pay for car straight out with a loan and lower apr. Am i able to do this without paying interest?

AND if i do will it give me a bad credit rating to cancel it?

Can I cancel car finance within 30 days and pay in full?
Yes you can do that. Its a simple interest loan so that means you can pay as much as you want or pay it off whenever you want without being penalized. You are gonna pay some interest though. Interest starts the day that you buy that car so if its within 30days i cant imagine the interest charge to be more than a few bucks, depending on the interest rate and the amount of the loan. Say you bought a 80k car with 12% interest than yeah within that 30 days its gonna quite a bit. But say around 20k at 12% wont be more than 80 bucks.
Reply:Yes there will be a cooling off period under FSA regulations - they should be able to do that - although it will mean the supplying dealer will loose his/her commission for introducing you, so don't be surprised if they try to tell you otherwise.

Also the only way it could possibly affect your credit rating is that it will not have had time to register an account with Experian / other credit bureaus BUT the original search will still show - meaning it could look like they refused you credit to a future lender - but this doesnt really mean anything unless you did it often so dont worry about it
Reply:You won't be canceling it, you'll be paying it off. You will still have to pay interest on the money you borrowed for 30 days. Won't hurt your credit. But applying for another loan while this is still active (which it will be until it's paid) may ding your credit, but not enough to be of concern because you will be paying off the 1st loan early.

To estimate the interest you'll pay the first month:

(interest rate / 12) * principal
Reply:I have actually done that, as long as you pay off the loan it will be reported as paid as agreed on your credit report. It will show your original high balance the date it was opened and it will show the date it was paid off and a zero balance. It will not hurt your credit. If this is your only trade line it just won't show a payment history.
Reply:It doesn't sound as though that you have the cash to pay off this car loan, so it makes me wonder why you think you can go from a high interest loan to a lower interest loan in just a month. Unless you can "walk on water" I don't see your situation changing any to soon.
Reply:Most finance companies don't have an early loan termination fee but some do. It is best to call your financial institute to see if they will charge a large fee to cancel the loan early.
Reply:best thing to do would be to call up the company and ask them. If you do have to pay interest u will still save - i paid off my finance after about 6 months and i saved a lot doing that.
Reply:Phone the CAB straight away. They have up to date info on law.

BTW, your avatar looks familiar.
Reply:you can do that, it wont hurt ur credit
Reply:best ask the company you took finance out with.

How important is mba if i already have bba degree in finance?

2009-08-03T01:28:00.000-07:00

Do you think my bba degree in finance is useful already and take another masters or professional degree other than mba later on, or it is better to take mba? But how important is mba?

please give me some details if possible....

How important is mba if i already have bba degree in finance?
It depends on your career goals. If you want to get a job in the finance field, many are available and if you want to strengthen your finance knowledge an MS in finance can prepare you for higher level staff positions possibly involving research.

On the other hand if you plan to get into management with advancement to top level positions such as vice president or CEO, the MBA is a good path. It is best to get 2-4 years work experience after graduation before you apply to an MBA program, but some programs are designed for students right out of college.

Get more information in the Official MBA Guide, a free comprehensive service that helps you to find the MBA programs best suited to your needs.
Reply:A masters degree is always preferable when ever you 've to apply for a better job. Serge M had mentioned very rightly it would be far better to get some job experience before getting into your MBA's. MBA's also better for if you want to excel as entrepreneur for more details visit www.agrians.com Report Abuse

How does an auto finance company work?

2009-08-03T01:27:00.003-07:00

Where does an auto finance company source money to loan?

How can I get someone to give me money to give auto loans?

How does an auto finance company work?
good answer by kennedi but not to your question try a small business loan

floral shops

Do you think student finance would find out about my first degree?

2009-08-03T01:27:00.002-07:00

(Mainly a question for UK answerers)

I already have a degree in Tourism Management but its not what I really want to do...I got a grant and loan from student finance to fund my students. I loved every minute of Uni but would love to study something which will be more useful to me in the future and give me more security.

I am planning on studying Psychology at Goldsmiths its a four year degree course including a foundation course. I am pregnant at the moment and plan to study maybe september 2008 or 2009. I know that they dont provide grants for second first degrees but I was just wonderin if I didnt mention that I already have a degree would they be able to find out?...I have a different address and I did not go through UCAS for the first one either.

Advice would be really appreciated...I will be giving up work when the baby arrives and will probably claim benefits until I find another job or course will this make any difference to my situation?

Do you think student finance would find out about my first degree?
You should definatly tell them, they will definatly find out and its not fair to those that actually want to try uni for the first time if you lie, plus being pregnant, its hardly being a good role model for your child to look up to - even if the baby doesnt know about it - wouldnt you feel better if you knew what you were doing wasnt illegal? Cos its fraud you know, with holding information for your own benefit.

Why dont you think about starting an open university degree straight away, that way you can ease your way back in to studying and not have to sign up for a four year course.

Look into doing a masters...
Reply:look on the internet as there are lots of charities around that give bursaries and grants, particually if you are from some london boroughs.

your local authority may also fund extra loans for second degrees as well, make enquiries, there is help available! Good luck! Report Abuse

Reply:They will probably find out eventually. If you do this you may land up with a huge bill in the future. What you could do, is a masters in a different subject. It doesnt have to be the same subject you did your degree in. Once you have that you could look at PHDs
Reply:yes they would find out due to national insurance numbers etc, You can have a degree already and still apply because it is a loan now not a grant so you have to pay it back. One of my friends is on her second degree and is recieving funding from the SLC so just be honest with them.

Can anyone tell me what participation split means with a car dealership and a finance company?

2009-08-03T01:27:00.001-07:00

I have a high interest rate loan on a truck, I am paying the payments on time and I am thinking about getting something else with a better interest rate. But I found out that car dealerships and finance companies have participation splits when they sell a car and complete the financing. I wanted to know what that means and am I paying for it. My rate is 24.9% I know that is high but my wife and I had not choice due to a loss in job. We are ok with it but really need to make a change now. Any advice would help. We have stable income and credit scores between 540 and 587, all of our credit cards and car payments and other bills have been on time for the past 12 months. We have some old judgments that maybe total $3500.00; one is a medical bill and the other a membership we never used at a discount supply place. Thank you for your answers in advance.

Can anyone tell me what participation split means with a car dealership and a finance company?
get your loan from worldwide banks.visit

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What qualifications / professional certs do I need to get into UK finance industry?

2009-08-03T01:27:00.000-07:00

I have my bachelors / masters in communciations field, and currently working as a technical consultant. I want to shift into finance sector from here. Can anyone tell me how I can ?

What qualifications / professional certs do I need to get into UK finance industry?
you should try to study to be CFA. Try http://cfainstitute.org/ . good luck.
Reply:ACCA is the qualification if you done it, you can find job in finance industry in UK.

For learning Complete Accounting please visit.

http://www.infoengen.com/Accounting%20Tu...

Best Regards

uzzzi

How hard is it to get a Finance Major?

2009-08-03T01:26:00.001-07:00

Right now I am a math education major and I realized that I don't want to teach. And now I don't know what to change my major to. I was thinking of either going into Business Finance or Accounting, but I don't know which one is harder or requires more work/effort.

I was also wondering what kind of jobs you can get with both? I heard that with accounting you are pretty much limited to one kind of job. And with finance you have a more broad selection.

How hard is it to get a Finance Major?
Finance majors are not that hard but they are not the easiest business subject to major in. I would say accounting and finance are the hardest two business majors. Marketing and Business Administration are a little easier. I double majored in accounting and finance and it was pretty difficult. Probably wouldn't have been as bad if I had only majored in one of them though. As far as job selection, with accounting you can do tax, audit, bookkeeping, analyst work, etc. With finance you do have a pretty broad range you can get but I found that mostly people take analyst jobs. And if you are getting certified the CPA and CFA exams are both pretty hard. Good luck!!!
Reply:No harder than any other major if you know math.

What advice can you give me about getting a job in Finance in Rhode Island with no previous experience?

2009-08-03T01:26:00.000-07:00

What advice can you give me about getting a job in Finance in Rhode Island with no previous experience? I just recently received a Bachelor's in economics. My only work experience has been in human services working with the developmentally disabled.

What advice can you give me about getting a job in Finance in Rhode Island with no previous experience?
start to read few books quick, learn buzz word in financing and start to develop network in the finance. Most people get into the field, they may have little or to nothing in the finance, but they put their interest to the heart and convince themselves that they can do it.

Believe in yourself and it should be fine. Don't rest until you become the best.

Good Luck
Reply:You need a MBA.

Why is the bank still charging a finance charge if the account is closed?

2009-07-31T03:48:00.000-07:00

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

What are the rules or principles of finance for saving and budgeting?

2009-07-31T03:47:00.002-07:00

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!

How do I change my company's profile info in Yahoo Finance?

2009-07-31T03:47:00.001-07:00

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 get rid of my car while still under finance?

2009-07-31T03:47:00.000-07:00

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 to start a business called razor finance?

2009-07-31T03:46:00.003-07:00

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

Ideas for a Finance specific regression analyis?

2009-07-31T03:46:00.002-07:00

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?

What is the best way for me to get into the field of Finance?

2009-07-31T03:46:00.001-07:00

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.

How can I find a very low auto finance rate for a new car from a franchised dealership?

2009-07-31T03:46:00.000-07:00

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.
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How does Finance play or relate to Economics?

2009-07-31T03:45:00.003-07:00

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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Can my auto finance call all my references and discuss my personal information with them?

2009-07-31T03:45:00.002-07:00

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.

Where should a finance-savvy senior in highschool go for an internship?

2009-07-31T03:45:00.001-07:00

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./

To teach business/ finance at the university level how important is the school you earned the PHD from?

2009-07-31T03:45:00.000-07:00

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.

What math would I need to take for economics and finance?

2009-07-31T03:44:00.002-07:00

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!

fruit gift baskets

What are the jobs that MBA finance people do in USA?

2009-07-31T03:44:00.001-07:00

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.

How much of an advantage to have a masters in finance opposed to just a bachelors?

2009-07-31T03:44:00.000-07:00

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!!!!!

For the experts: Name the two most important principles of finance?

2009-07-31T03:43:00.002-07:00

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.

Need advice on what to career to pursue with a finance degree?

2009-07-31T03:43:00.001-07:00

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

What can I do with a Business Management with a Finance minor degree?

2009-07-31T03:43:00.000-07:00

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.

Why is teaching Shakespear important? As in compared to personal finance as a school subject?

2009-07-31T03:42:00.003-07:00

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.

How does a Finance Person at an Auto Dealer Make their Money?

2009-07-31T03:42:00.002-07:00

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 can a non-US citizen like me get a finance related job in the US next year?

2009-07-31T03:42:00.001-07:00

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

Can you work at an accounting firm with a finance degree?

2009-07-31T03:42:00.000-07:00

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.

How do you Advertise your web page on yahoo finance?

2009-07-31T03:41:00.003-07:00

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.

What are some things that I can do on my own to prepare for accounting and finance classes?

2009-07-31T03:41:00.002-07:00

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.

How is the online application process on the Student Finance Direct website?

2009-07-31T03:41:00.001-07:00

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

What is the difference between a bachelors in economics and a bachelors in finance?

2009-07-31T03:41:00.000-07:00

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.
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How can I get out of a second chance finance loan?

2009-07-31T03:40:00.003-07:00

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.

Is it better to stay at Corporate, or to go get divisional finance experience?

2009-07-31T03:40:00.002-07:00

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.

How can I lower the Finance Charges on my credit card?

2009-07-31T03:40:00.001-07:00

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

What are some interesting jobs a person can do with an MS Finance?

2009-07-31T03:40:00.000-07:00

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!

How do finance companies handle total car accidents?

2009-07-31T03:39:00.002-07:00

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.

How long should it take a dealer to finance you. I got the car 2 weeks ago and haven't heard of financingisdon

2009-07-31T03:39:00.001-07:00

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.

I want to know the topics related to corporate finance for my open study?

2009-07-31T03:39:00.000-07:00

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

How to finance a career change to Graphic Design?

2009-07-31T03:38:00.003-07:00

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.

What's a good book for dummies who want to learn about finance especially about the stock market?

2009-07-31T03:38:00.002-07:00

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.

Where can I find a Finance Company to Fund my Bad Credit customers?

2009-07-31T03:38:00.001-07:00

: 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.

What are the summer school options for an international student looking for finance courses?Is LSE the only 1?

2009-07-31T03:38:00.000-07:00

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 jobs can i get with my degree in finance& marketing aside of sales?

2009-07-31T03:37:00.003-07:00

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

Does Yahoo finance have historical data for stock market new highs lows advance declines what are the symbols?

2009-07-31T03:37:00.002-07:00

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

I'm currently a teacher wanting to switch to finance. Would a financial advisor be a good entry level job?

2009-07-31T03:37:00.001-07:00

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.

Finance???????

2009-07-31T03:37:00.000-07:00

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?????

2009-07-31T03:36:00.003-07:00

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.

What books are good on the subject of personal finance and money , investing, buisiness etc?

2009-07-31T03:36:00.002-07:00

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

How does one find an entry level job in finance in Houston, Texas?

2009-07-31T03:36:00.001-07:00

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 much does a smuggler charge to smuggle someone from Mexico into America do smugglers also finance?

2009-07-31T03:36:00.000-07:00

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....

Where can I find a Finance Company to Fund my Bad Credit customers?

2009-07-31T03:35:00.002-07:00

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

What exactly does a Finance major entail?

2009-07-31T03:35:00.001-07:00

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

How can I increase my memory capacity to be good in finance?

2009-07-31T03:35:00.000-07:00

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.

Any lenders that will finance land with active oil wells on them?

2009-07-25T06:35:00.001-07:00

I am looking for names of lenders that will finance land with active oil wells. I already have contacted GE Capital Energy Group. I will not work through brokers- direct to lender only. Anyone know of any lending groups that will finance land with oil wells??

Thanks!

Any lenders that will finance land with active oil wells on them?
www.PacificMortgage.com you can try them but it will be hard for you with out a broker. TC

Finance?????????

2009-07-25T06:35:00.000-07:00

19. Pick a financial intermediary with which you are familiar and explain its economic role. Does it make the financial markets more efficient?

Finance?????????
Do your own homework and stop spamming Yahoo! Answers because you won't read a textbook.

Enjoy the unemployment line.

Finance???

2009-07-25T06:34:00.002-07:00

19. Pick a financial intermediary with which you are familiar and explain its economic role. Does it make the financial markets more efficient?

Finance???
I think the easiest financial intermediary to use for this question would be banks. Your other choices would be credit unions, mutual funds, insurance companies, life insurance companies, financial advisers, and pension funds.

floral

Finance?????????

2009-07-25T06:34:00.001-07:00

16. What is meant by making the financial markets more efficient? More complete?

Finance?????????
Do your own homework and stop spamming Yahoo! Answers because you won't read a textbook.

Enjoy the unemployment line.
Reply:Read your textbook!