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Chain Of A Lifetime: How Blockchain Technology Might Transform Personal Insurance

Chain Of A Lifetime: How Blockchain Technology Might Transform Personal Insurance ” is the outcome of a research project conducted between August and December 2014 which explored how blockchain technology might transform personal insurance and in particular interactions among individuals and insurance companies over time.

Blockchain technology’s main innovation is an electronic public transaction record of integrity without central authority. Beside cryptocurrencies and distributed payment systems, blockchain applications could include areas of finance where a central, trusted third party has traditionally been used, trade reporting, depository receipts, escrow accounts or trade finance. Blockchains can contain set of documents, record assets and help to manage interconnected devices. Emerging applications, such as smart contracts and decentralised autonomous organisations, might in future also permit blockchains to act as automated agents.

The report concludes that blockchain technology could transform the way people manage identities and personal information; blur even further the divide between global and local; influence consumer perception of time; drive honesty and transparency; and, influence consumer perceptions of risk that could change the way insurers support mutualisation. The report highlights how, at the time of writing, most insurance companies do not yet seem ready to experiment with blockchain technology. They find it difficult enough to understand Bitcoin or cryptocurrencies. Non-insurers are more likely to be the first to create insurance or insurance-related applications. Blockchain applications in insurance are likely to start with digital identity systems and management of personal data.

This free-to-download report was prepared by Z/Yen Group and published by Long Finance in December 2014 (press release ):

Chain Of A Lifetime: How Blockchain Technology Might Transform Personal Insurance
by Michael Mainelli and Chiara von Gunten, Z/Yen Group,
Long Finance
December 2014, 51 pages


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Event Management

Event Management

Mission

The mission of the Stratford University Event Management Certificate Program is to support the events profession by offering superior educational courses and practical experiences for career advancement within the industry, including special events, meetings, tradeshow, entertainment, sports management and fundraising.

Entrance Requirements

Students accepted into the Event Management Certification Program must meet the following acceptance criteria.

  • High School Diploma or equivalent
  • Proof of English proficiency
  • Courses accepted from other programs on a case by case basis with proof of completion and verification of competency.
  • All such approvals are made by Alice Conway. CSEP, Director of the Certificate Program in Event Management.

Event Management Certificate Requirements

In order to attain an Event Management Certificate, students are required to complete the following.

  • Core Courses (4 Required)
    • Event Administration
    • Event Coordination and Operations
    • Event Marketing
    • Event Risk management
  • Elective Courses (3 Required)
    • Event Protocol
    • Social Event Management
    • Event Entertainment and Production
    • Event Fundraising and Sponsorship
    • Event Negotiations and Contracts
    • Event Design and Decor
  • Class Evaluation Method
    • Quiz (multiple choice and true/false)
    • Case study analysis
  • Practicum Requirement
    • 200 hours minimum
    • Supervised event observation and participation
  • Portfolio Requirement
    • Demonstration of event management activities
    • Documentation of actual events
    • Guidelines provided by Stratford
  • Comprehensive Examination
    • Multiple choice
    • Essay

Program Cost

All Event Management Courses are $460 per class (except Study Tours). Corporate and group discounts are available.

Additional Information


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Master of Science-Regulatory Trade Compliance

This graduate degree program was developed specifically for experienced, working international trade compliance professionals. These individuals aspire to advance their knowledge and skills to the level necessary to move into senior management career positions with international trade compliance oversight responsibility for movement of licensed goods and services between nations. No other college or university offers a similar degree.

Bachelor of Science in Health Care Administration

DSU offers this Professionally Significant Degrees ® program for students targeting jobs and careers in the health care profession. The Bachelor of Science degree in Health Care Administration (HCA) prepares students to manage hospitals, nursing homes, and other medical facilities overseeing the financial, human resources, community services relations, and operations.

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About Dunlap-Stone University


Top Schools for Photography, photography schools online with financial aid.

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Top Schools for Photography

Learn about top schools for photography, which teach students how to take pictures for advertisements, fashion spreads, newspapers, or scientific publications. Review the degree programs at four high-profile universities, and see highlights of other schools that offer formal training in photography. View article

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Select a school or program

The Art Institutes
  • MA in Film
  • BS in Photography
  • BS in Digital Photography
  • BA in Photography & Design
  • BA in Digital Filmmaking and Video Production
  • AS in Applied Science – Digital Photography
  • AS in Video Production
  • AS in Photographic Imaging
  • Diploma in Commerical Photography
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  • Diploma in Digital Film & Video
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  • Certificate in Acting 2
  • Certificate in Acting 3
  • View all programs
  • Full Sail University
    • MS in Film Production
    • MS in Entertainment Business
    • BS – Film (Campus)
    • BS in Digital Cinematography
    • View all programs
    • 0:04 School Overview
    • 0:35 Washington University
    • 1:11 New York University in
    • 1:54 Drexel University in
    • 2:35 Ohio University in Athens, OH
    • 3:11 Top Schools With

    Video Transcript

    School Overview

    Photography programs can be found at both the undergraduate and graduate levels. We’ll preview four of the best photography colleges in the United States. The schools we’ll explore have received national university rankings from U.S. News World Report. Program offerings include bachelor’s degrees in imaging and photography, as well as the opportunity to investigate different forms of photographic media. At Drexel University, students can also participate in a cooperative education program that allows for 6-month internships.

    Washington University in St. Louis, MO

    Washington University in St. Louis provides its graduate students studio space in the 36,000 square foot Lewis Center. Washington University is a private institution that U.S. News World Report ranked 19th among national universities in 2017. At the Sam Fox School of Design and Visual Arts, students can pursue a Bachelor of Fine Arts (BFA) in Photography. The program provides students with the opportunity to explore various forms of photography, including digital, large format and film. They also gain hands-on experiences through extensive studio work and independent research.

    New York University in New York, NY

    New York University features the Grey Art Gallery, NYU’s fine arts museum. New York University ranked 36th among national universities in 2017, according to U.S. News World Report. The largest private, non-profit university in the United States, as well as a distinguished member of the Association of American Universities, New York University includes the Tisch School of the Arts, where students can earn a Bachelor of Fine Arts in Photography and Imaging. Through the program, students have access to photography and imaging labs, which are comprised of darkrooms, digital labs, editing suites and shooting studios. In addition to study abroad opportunities, students can take part in several open arts and summer programs, such as Community Collaborations.

    Find schools that offer these popular programs

    • Cinematography and Film Production
    • Film and Cinema Studies
    • Photography

    Drexel University in Philadelphia, PA

    Drexel University offers a worldwide cooperative education program available to photography students. In 2017, U.S. News World Report ranked Drexel University tied at 15th among most innovative schools. At the Antoinette Westphal College of Media Arts Design, aspiring professionals can pursue a Bachelor of Science in Photography. Drexel University’s photography program features the Photography Co-op, which allow students to participate in internships at six-month intervals. Hands-on courses cover topics in figure drawing, photojournalism, digital photography, and fine black white printing. Additional degree requirements include an individualized thesis project.

    Ohio University in Athens, OH

    At Ohio University, undergraduate students take part in an exhibition of their work near the end of their degree. Ohio University tied as the 33rd best fine arts graduate school in the country in 2016, according to U.S. News World Report. The university offers a BFA in Photography through its school of art. In order to declare this major, students must first begin their education with a bachelor of art degree and meet the requirements for a BFA, including a portfolio review. A photography master of art is also available to students, encouraging experimentation in a number of media and styles.

    Top Schools With Photography Programs

    Other top schools with photography programs include:


    Sample Statement of Purpose – Financial Engineering Example Essay, masters financial engineering.

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    masters financial engineering

    Masters financial engineering

    Masters financial engineering

    UNCRITIQUED ESSAY 3

    Hence I took admission in Post Graduate Diploma in Business Administration (PGDBA) at AB Institute of Management Studies (ABIMS), New Delhi, which is one of the prominent Business schools in India. During PGDBA, I developed a strong penchant for quantitative-oriented subjects like Portfolio theory, Derivatives and International Finance.

    In India with the onset of liberalization since 1991 and deregulation of the interest rates, the Indian corporations and financial institutions are exposed to various kinds of risks. The Government and the Reserve Bank of India have initiated appropriate reforms to develop derivatives markets and financial markets on the whole. This has suddenly increased the demand for professionals who can not only understand but also develop new financial instruments to evaluate and hedge the risk. I believe that in order to use financial engineering pro-actively and dynamically for optimum hedging a finance professional should be well versed with the mathematics that underlie the financial theory.

    In the future I see myself, as a Finance professional, designing structured financial products by incorporating cutting edge methodologies and sophisticated tools in order to cater to the above mentioned requirements. To achieve this I would like to gain exposure to the latest practices adopted in the field of Financial Engineering and Risk Management. To this end I would want to work with a leading investment bank or in the treasury of a commercial bank, which would enable me to help corporations manage their risks. I would like to bring this acquired expertise back to India and use it to help companies thrive in a dynamic environment.

    I believe that my educational background has instilled in me the qualities required to meet the rigor of this demanding profession. Graduation in Engineering has provided a strong foundation in Mathematics and Computer Programming. Mathematics was one subject in which I had always excelled right from my school days. During the course of my Engineering education I took up a project with MH Electronics, a firm which is a vendor of Indian Ocean Research Organisation (IORO). This was because the project, which I was offered, required extensive use of C programming language and MATLAB. This project of developing the software for a video-processing card (Frame Grabber) for the first time gave me a real world experience of programming. This association helped a lot in consolidating my programming skills, especially in C-language. Thus, it inculcated in me problem solving and analytical abilities.

    Thereafter the two-year program in Business Administration has not only given me a sound and firm grounding in finance but also taught me the invaluable skills to manage, lead and collaborate effectively with people. It also developed in me the ability to analyse problems from a business perspective keeping in mind the constraints and limitations of the real world.

    I strongly feel that M.Eng in Financial Engineering program at Kingston University is a highly structured program because it provides the right balance between theory and practice. The annual workshops at the Centre for Applied Probability and Computational Optimization Research Centre would give me ample of opportunities to apply my knowledge to real world problems.

    I bring along a strong grasp of fundamentals in Finance and Engineering, an insider’s experience of an emerging financial market, a penchant for teamwork and leadership and a zest for challenges. I would like to take with me in addition to the knowledge of the latest theory and practices in the field of Financial Engineering, a network of strong and lasting relationships with my teachers and fellow-students.


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    Financial Aid Office

    Peninsula College participates in a broad range of financial aid programs designed to assist you if you are unable to meet college costs through other means. In determining any student’s ability to contribute toward educational expenses, the college is required to use a uniform need-analysis system to determine eligibility for state and federal programs.

    The Financial Aid Office is located in the Student Services (D) building. Assistance is available at Pirate Central during the hours the building is open.

    Student Services and Financial Aid Office Hours:

    Fall, Winter, Spring Quarter:
    Monday, 9:00AM – 2:00PM
    Tuesday – Friday 9:00AM – 4:00PM
    Closed Saturday, Sunday Holidays

    Summer Quarter:
    Monday – Thursday 9:00AM – 4:00PM
    Closed Saturday, Sunday Holidays

    Important changes to the FAFSA submission date:

    Students will be able to file a 2017–18 FAFSA as early as Oct. 1, 2016, rather than beginning on Jan. 1, 2017. The earlier submission date will be a permanent change, enabling students to complete and submit a FAFSA as early as October 1 every year. (There is NO CHANGE to the 2016–17 schedule. The FAFSA became available January 1 as in previous years.)

    Students will use earlier income information. Beginning with the 2017–18 FAFSA, students will be required to report income information from an earlier tax year. For example, on the 2017–18 FAFSA, students (and parents, as appropriate) will report their 2015 income information, rather than their 2016 income information.

    Students and their families will report income and tax information from an earlier tax year. For example, on the 2017–2018 FAFSA, applicants (and possibly their parents) will report 2015 income and tax information, rather than 2016 income and tax information. This change will make the FAFSA easier because you will already have completed your taxes by the time you fill out the FAFSA, for students (and parents) who have completed their taxes, the FAFSA will give you the ability to use the IRS Data Retrieval Tool (DRT). The DRT saves you from having to look up and manually enter certain information required on the FAFSA, saving on data entry error problems.

    Related Documents

    2017-18 FAFSA updates for students and parents.pdf



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    The first and last cloud Financial Management Solution your business will ever need.

    Move from the ordinary to the extraordinary with best-in-class Intacct cloud ERP software. Intacct—the only AICPA-preferred accounting management solution —generates immediate value through extensive real-time automation and a multi-tenant-architecture to eliminate manual work and simplify complex financial processes. Tap the power of cloud accounting software for core financial management that saves you significant time and money.

    Gain strategic insight into business performance and take advantage of cloud ERP software that runs your business better. Intacct transforms inflexible, outmoded accounting processes using reporting and dashboards that streamline operations and turbo-charge financial reporting. presenting you with consolidated financial statements. Manage complex, multi-entity or multinational operations in real time with smarter consolidation accounting software. Only Intacct empowers your team with greater visibility into real-time business performance.

    Intacct is the cloud ERP software you’ll never outgrow. When you need easy-to-use accounting software that is built for the cloud. Intacct is there with prepackaged functionality for immediate improvements. When you need to customize, Intacct lets you design workflows and configure the software to match the way you and your team work. Plus, there are dozens of prebuilt integrations with leading applications for each major business function within your organization—so you can deploy with more speed and less risk. For instance, Salesforce integration is a snap. Count on Intacct for accounting software in the cloud that’s flexible enough to work the way your business runs—today and tomorrow.

    Intacct cloud ERP software—backed by Intacct professional services experts—deliver the best-in-class return on investment (ROI) that savvy financial professionals demand. Intacct pricing makes cloud computing costs affordable with a pay-as-you-go model, so you only pay for what you use. And that means most companies achieve a 100-percent payback in as little as six months. Maybe that’s why thousands of companies have made the move to Intacct cloud ERP that automates key processes, drives revenue, and saves on IT costs.

    We understand that customers entrust highly confidential business information to us. It’s an obligation we take extremely seriously—and that’s why we’re committed to exceeding your expectations for protecting and securing your confidential business applications and data. Get the full story on our world class physical, network, application, and data-level security. We also invite you to learn more about our website privacy policy and product privacy policy .



    Offshore companies set up and financial services #limited #liability #company #financial #statements


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    Offshore companies

    Recent orders

    Avia and Slogold Group S.A. (ASG) is company providing off-shore business consultancy and offshore services. From 2001 ASG is specializing in Offshore Companies registration, Off Shore Private Interest Foundation formation and Off-shore Trust set up. Incorporation of Off-shore Company either as Offshore LLC (Limited Liability Company) or IBC (International Business Company) is important tool of doing business on international level while Offshore Foundations and Off-shore Trusts are important vehicles for assets protection.

    Hot

    Special Offers

    Beside Offshore Companies, ASG also specialize in formation of onshore companies, on-shore companies denote business structures in locations where the entities must pay tax. As such we can register on shore companies in most European jurisdictions like UK (UK LLP and UK Limited), Ireland (Irish Limited), Cyprus, Bulgaria, Malta, Latvia, Estonia etc. These Onshore entities must in contrast to offshore companies prepare and file accounts, like financial statements, assets etc.

    ASG has good contacts and experience with banks in offshore and onshore jurisdictions and assist and introduce clients to offshore and onshore banks which we represent. ASG assists with bank accounts for day to day banking as well as saving account. For international businesses ASG help with solutions for accepting payments by credit and debit cards on web pages, called merchant accounts, which are required by offshore companies.

    ASG also assist with complex offshore entities like offshore bank licenses, gambling licenses, captive insurance and reinsurance companies and offshore mutual funds. ASG can help also with economic second passport programs and residency permits for tax purposes.

    Do you need help?

    © 2001 – 2017 Avia and Slogold Group S.A. All rights reserved. The information included in this site is for information purposes only and must not be taken as legal, accounting or other professional advice. Any one seeking to establish any offshore legal entity or bank account should first seek professional legal, accounting or other professional advice.



    Federated Financial, Debt Relief & Payday Loan Consolidation, american financial debt consolidation.#American #financial #debt #consolidation


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    Reduce your Payments from 30-50%!

    Medical, & Credit Card Debt

    Federated Financial is not only a consumer education organization dedicated to teaching the skills necessary for a secure financial future but also has the resources to refer you to the best place to get you out of debt once and for all! Our Debt Consolidation Referral Company is in it’s 20th year of providing excellent service.

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    Reduce Your Interest Rate up to 400%!

    American financial debt consolidation

    American financial debt consolidation

    Federated Financial can help YOU with:

    Lower your monthly payments
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    Eliminate late fees and over limit fees
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    Avoid bankruptcy and legal escalation
    Consolidate your Student Loans and Payday Loans

    If you feel overwhelmed with debt, We Can Help!

    Our Credit Card Consolidation, Medical Debt Consolidation, Payday Loan Consolidation & Advance Loan Consolidation referral programs are designed to eliminate your debt. Please give us a call to learn more or fill out the form above!

    DISCLAIMER: Federated Financial Services is a Referral company dedicated to sending you to the right organization and or legal counsel to help you get out of debt. Our full budget analysis allows us to properly facilitate your gradual debt reduction.

    Payday Loan Consolidation

    The thought of quick cash has lured many desperate people into taking out a payday loan. Then the vicious cycle begins: even if you manage to pay off the loan, new bills pile atop old bills and another loan has to be taken out for the next pay cycle. Add origination fees and rollover fees, and suddenly you are in a world of hurt. The way you deal with your money on a daily basis can impact your life for many years to come. We can show you that sound financial practices do not always require “doing without, or giving up.” All unsecured loans (loans without collateral), still tend to be higher interest than many alternatives with collateral.

    Debt Consolidation Company

    Payday Loan Consolidation Programs can help you with your finances. End the 500-600% interest rates charged by your lenders, consolidate into one low monthly payment, and eliminate or lower all interest fees. This will also help to stop those harassing telephone calls and letters you receive in the mail as a professional debt consolidation team can take care of everything. There is really nothing to lose, enter your details today and find out what we can offer you with our Payday Loan Consolidation Referral Services. If your credit allows, consider applying for a credit card and transferring your balances or obtaining a cash advance.

    Loan Debt Consolidation

    Debt Consolidation And Your Attitude Towards Money, The way you deal with your money on a daily basis can impact your life for years to come. We can show you that sound financial practices do not always require “doing without.” With financial education and planning, you employ learned skills to do so much more with what you have. When you are able to manage money efficiently, you can budget for emergencies, vacations, a new baby, holidays, college, a home, a car, or retirement.

    Debt Consolidation Company

    A strong Debt Consolidation Program can help you with your finances. We Understand the financial stress of illness and unemployment. In other words, you are able to sleep a little bit better at night, knowing that you have the power to control your financial future with one of the many Debt Consolidation Programs we can refer you too.

    Payday Loan Debt Consolidation

    You can use our trusted Payday Loan, Credit Card, & Medical Debt Consolidation Referral Programs to become free from debt.

    This site contains copyrighted material the use of which has not always been specifically authorized by the copyright owner. We are making such material available in our efforts to advance understanding of environmental, political, human rights, economic, democracy, scientific, and social justice issues, etc. We believe this constitutes a ‘fair use’ of any such copyrighted material as provided for in section 107 of the US Copyright Law. In accordance with Title 17 U.S.C. Section 107, the material on this site is distributed without profit to those who have expressed a prior interest in receiving the included information for research and educational purposes. For more information go to: www4.law.cornell.edu/uscode/17/107.html. If you wish to use copyrighted material from this site for purposes of your own that go beyond ‘fair use’, you must obtain permission from the copyright owner. Not Available in All States

    Copyright В© 2016- Federated Financial – All Rights Reserved | Disclosure Statement | Privacy Policy



    AnaCap – Home Page, private equity financial services.#Private #equity #financial #services


    #

    Transforming Financial Services Across Europe

    “Sequence, execute, win”

    PEI Privately Speaking Feature – Joe Giannamore speaks to Philip Borel

    CONTACT US

    AnaCap Financial Partners LLP

    One Stephen Street,

    • April 21, 2017 AnaCap acquires French business intelligence provider Ellisphere

    AnaCap Financial Partners (“AnaCap”), the specialist European financial services private equity firm, has acquired Ellisphere, a leading French business intelligence company, from Natixis SA.

    pdf Download

  • February 07, 2017 AnaCap to acquire €177 million loan portfolio from Barclays

    AnaCap Financial Partners (“AnaCap”), the specialist European financial services private equity firm, has announced the signing of an agreement to acquire a portfolio of Italian performing and non-performing corporate secured loans from Barclays.

    pdf Download

  • January 18, 2017 AnaCap signs agreement to acquire leading German Payment Service Provider Heidelpay

    AnaCap Financial Partners (“AnaCap”), the specialist European financial services private equity firm, has today announced that it has signed an agreement to acquire a controlling stake in Heidelpay, a leading German online payment service provider (PSP). As part of the transaction, the Co-Founders and existing management will retain a minority stake in the business.

    LATEST INVESTMENTS

    AnaCap is a specialist investor in financial services companies and credit opportunities across Europe. Recent investments include:

    • Private equity financial services

  • Private equity financial services

    SME & Retail Bank

  • Private equity financial services



  • MSc Finance and Economics Masters #masters #in #financial #economics


    #

    MSc Finance and Economics (1 year)

    The MSc Finance and Economics is designed to equip students with the specialist skills and knowledge necessary to pursue a career at a high level in the financial sector. In addition, the programme provides the necessary training to undertake research in the area of finance at a leading university.

    Introducing your course

    Interested in economic analysis and the functioning of the financial sector? Fascinated by the capital markets of the world? Study a Masters in Finance and Economics degree at the University of Southampton and work towards a successful career in the financial sectors across the world. Use your numeracy skills and strong economic focus, enhanced on this masters degree, to improve your skills as a financial expert.

    Course Facts

    Overview

    The full-time programme lasts 12 months, with nine months of taught modules between October and June of the academic year, followed by three summer months of supervised research for a Masters dissertation.

    Part-time programme lasts 27 months and consist of the same components as the full-time version. Students consult with the Head of Masters to establish a detailed plan of studies to fulfil the programme requirements.

    You can expect to enjoy predominantly small-group teaching and a considerable degree of individual attention from members of staff. MSc students are strongly encouraged to attend our seminars and research workshops. Our MSc students usually form a lively and cohesive group which plays an active role in the Division’s academic and social life.

    To Apply

    You can find more details on our How to Apply page .

    Contact

    Key Facts

    • The Economics Division at Southampton has an international reputation for excellence in research and teaching.
    • Our students are highly valued by employers, who have commended the strength and relevance of our programmes.

    Entry Requirements

    Typical entry requirements

    Academic requirements

    We welcome applications from students who have, or expect to have, a good undergraduate degree in economics (upper second-class or higher). Strong candidates from related fields will also be considered. Find out about equivalent entry requirements and qualifications for your country .

    Quantitative methods

    All applicants should have academic background in quantitative methods, such as mathematics, statistics, or econometrics. Those applying to MSc Economics and Econometrics or MSc Finance and Econometrics should be particularly competent in these areas.

    English Language Requirement

    For applicants whose first language is not English, the IELTS requirement is an overall score of 6.5 with at least 5.5 in each component. Please visit our international pages to find out about the University’s regulations about English language requirements and support .

    Selection process

    to be confirmed

    This page contains specific entry requirements for this course. Find out about equivalent entry requirements and qualifications for your country.

    Modules

    Typical course content

    The programme starts with an intensive two-week module Preliminary Mathematics and Statistics designed to ensure that students have the quantitative skills necessary to successfully undertake the core modules.

    Students may switch between MSc programmes in the Department of Economics within the first days of the academic year, subject to approval of the Head of Masters programmes.

    Most modules are assessed by examination at the end of each semester.

    The final three months of the programme are spend preparing a Master s dissertation. to be completed by the end of September. This research is conducted with supervision provided by a member of Economics academic staff with related research interests. The dissertation is a core, compulsory module.

    Year 1

    Semester One
    Core
    Compulsory

    The following modules are CORE as well as compulsory: ECON6004 Quantitative Methods, ECON6006 Economic Analysis

    Compulsory
    Optional

    Please note: This specification provides a concise summary of the main features of the programme and the learning outcomes that a typical student might reasonably be expected to achieve and demonstrate if s/he takes full advantage of the learning opportunities that are provided. More detailed information can be found in the programme handbook (or other appropriate guide or website).

    Fees funding

    Tuition fees

    Fees for postgraduate taught courses vary across the University. All fees are listed for UK, EU and international full-time and part-time students alphabetically by course name. DEFAULT

    Funding

    Scholarships, bursaries, sponsorships or grants may be available to support you through your course. Funding opportunities available to you are linked to your subject area and/or your country of origin. These can be from the University of Southampton or other sources.

    Costs associated with this course

    Students are responsible for meeting the cost of essential textbooks, and of producing such essays, assignments, laboratory reports and dissertations as are required to fulfil the academic requirements for each programme of study.

    There will also be further costs for the following, not purchasable from the University:

    Approved calculators: Candidates may use calculators in the examination room only as specified by the University and as permitted by the rubric of individual examination papers. The University approved model is Casio FX-570 This may be purchased from any source and no longer needs to carry the University logo.

    You will be expected to provide your own day-to-day stationery items, e.g. pens, pencils, notebooks, etc. Any specialist stationery items will be specified under the Additional Costs tab of the relevant module profile.

    Where a module specifies core texts these should generally be available on the reserve list in the library. However due to demand, students may prefer to buy their own copies. These can be purchased from any source. Some modules suggest reading texts as optional background reading. The library may hold copies of such texts, or alternatively you may wish to purchase your own copies. Although not essential reading, you may benefit from the additional reading materials for the module.

    IT: Software licences – Publicly available software in public workstations and some available via iSolutions, but otherwise purchase.

    Printing and copying

    In the majority of cases, coursework such as essays, projects and dissertations is likely to be submitted on line. However, there are some items where it is not possible to submit on line and students will be asked to provide a printed copy. A list of the University printing costs can be found here: https://www.southampton.ac.uk/isolutions/students/printing/

    In some cases you’ll be able to choose modules (which may have different costs associated with that module) which will change the overall cost of a programme to you. Please also ensure you read the section on additional costs in the University s Fees, Charges and Expenses Regulations in the University Calendar available at www.calendar.soton.ac.uk.

    Learning Assessment

    • Modules are taught using a variety of methods, including lectures, seminars, group or project work.
    • Each module will involve one or two sessions each week spread over the semester. For each module, students will be expected to write one or more essays (or equivalent), make presentations and contribute to seminar discussions.
    • Some modules are assessed by essays, others by exams and some by a mix of these methods. Exams are held at the end of each semester.
    • Lectures offer an overview of a topic, an explanation of difficult concepts or a discussion of key issues. Lectures presume a certain amount of additional reading, so it is often a good idea to read references before attending the corresponding lecture.
    • Seminars provide a forum for a closer examination of particular aspects of each module and are an important part of the learning process. Usually it is only by discussing and questioning aspects of a subject that their full implications can be understood. Students prepare papers and lead discussions or debates, and so develop their written and presentational skills.
    • A particular feature of the learning environment in the Economics Division is the research-led teaching. Academic staff research in areas of important contemporary significance and bring to their teaching modules their experience of working in the wider world.
    • The increasing use of web-based, video-based and PowerPoint-based teaching methods demonstrates our commitment to the effective use of available equipment and resources.

    Study locations



    Tenet Financial Group #interface #financial #group


    #

    We understand how important capital is to your business. Tenet works closely with you to choose the right funding source to meet your needs.

    A variety of funding streams are available for today s prospective business owner. From self-directed 401(k) plans to SBA loans, Tenet is there from day one through the life of your business so you can focus on doing the work you love.

    Our clients are not commodities: we re focused on service, not sales. Our advisors are experts who follow IRS requirements to the letter: no shortcuts. Our approach ensures superior protection every step of the way: no Tenet client has ever been audited.

    The Tenet Financial Group team has more than 65 years of combined experience in funding plan design, installation and administration. Woking with Tenet means financial expertise in your corner, and peace of mind in your business.

    • Unsecured Lines of Credit
    • Self-Directed 401(k) Plans
    • SBA Loans

    The Tenet Difference

    We re there from day one through the life of your business, as you need us.

    What our clients have to say about Tenet Financial Group

    From day one, Tenet Financial Group was a clear favorite for a couple of reasons. First, they stayed in touch on a regular basis. No need for me to chase them down, or play phone tag. They were always available…And now that we have been running the business for a few years, I d add another large plus. Their assistance in the administration of our 401(k) plan leaves nothing to chance. It s easy to follow, they provide direction on a regular basis and their on-line tools make the initial implementation and updates in a snap.

    Given the complexities of IRS regulations related to the use of IRA/401(k) funds for business acquisition purposes, it was critical that I rely on the professionals at Tenet Financial Group to guide me and my financial team through the process. In addition to the initial purchase transaction, Tenet Financial Group was very diligent in ensuring that my corporation was properly structured to include the implementation of participation within the plan with my new employees.

    After looking at a number of local options for funding my business, it was clear that Tenet Financial Group was the best option. They were more up to date on the regulations, they took care of every step in the process and they made sure I understood what was going to happen next. They were even one step ahead of my accountant. It was one less worry for me, and I could get started running my business knowing that the financial structure of my company was set up correctly.

    Contact Us



    Master of Financial Engineering Program #university #of #california, #uc, #berkeley, #haas #school #of #business, #business #school, #master’s #in #financial #engineering, #mfe, #mathematical #finance, #financial #modeling, #computational #finance, #international, #derivatives, #berkley, #hass


    #

    An immediate return on investment: The Berkeley MFE Program’s personalized career services boast an unmatched track record of helping students secure top jobs. Read More

    The Berkeley MFE curriculum prepares students from all backgrounds to work as financial engineers immediately after graduation. Read More

    The Haas School’s resources, deep ties to global firms, and dual MBA/MFE alumni network provide you with the connections you need to launch the next stage of your career. Read More

    Successfully Launching Careers

    Applying A Rigorous Curriculum

    Making Powerful Connections

    Master of Financial Engineering Program

    Haas School of Business

    The Berkeley Master of Financial Engineering Program, a STEM designated degree, prepares you with the knowledge and skills for a career in the finance/fintech industry. In one year, you will be ready to take a leading role in a fast-growing field that demands individuals who can apply their education and skills at the cutting edge of finance in investment banks, commercial banks, and other firms around the world.

    • Upcoming
      Events
    • Placement
      Information
    • News
      Announcements
    • For
      Recruiters

    Information Sessions

    Online. August 22, 3PM (PDT), Applying to the MFE: Q A with Admissions Advisors

    On-Campus. Sept. 11, 12PM (PDT), Information Session

    Online. Sept. 14, 10AM (PDT), WebEx Information Session

    Online. Sept. 27, 9:30AM (PDT), Applying to the MFE: Q A with Admissions Advisors

    On-Campus. Oct. 2, 12PM (PDT), Information Session

    Our full event schedule is located here

    Click here for our recording of this year’s How I Became a Quant panel discussion.

    Meet an MFE Alum/Staff!

    Interested in learning more? Check out our Blog

    Full-Time Employment Statistics for the Class of 2016

    • Total Students Placed: 68
    • % of Students Placed: 94%
    • Total Offers: 92
    • Total Students With Offers: 66
    • % of Students With Offers: 97%
    • Average First Year Total Compensation: $155,514
    • Median First Year Total Compensation: $141,000
      *ongoing placement

    Internship Statistics for the Class of 2016

    • Total Students Placed: 68
    • % of Students Placed: 100%
    • Total Offers: 93
    • Total Students With Offers: 68
    • % of Students With Offers: 100%
    • Average Monthly Compensation: $7,739
    • Median Monthly Compensation: $8,000

    Watch: How I Became A Quant

    Berkeley MFE alumni describe their paths to successful finance careers.



    Use Marriott – s Hotel Directory to Conduct Your Hotel Search, financial planner tucson.#Financial #planner #tucson


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    Hotel Directory

    Financial planner tucson

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    We found 5131 hotels in the world

    Marriott Rewards members get our lowest rates when they book direct. See Details

    United States

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    Filter Results

    Panel is collapsed. Brands

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    Explore Our Destinations

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    Marriott For:

    Best Available Rate Guarantee assures you receive the best rates when you book directly with us. If you find a lower publicly available rate within 24 hours of booking, we will match that rate plus give you 25% off the lower rate, subject to guarantee terms and exclusions. Guarantee does not apply to Ritz-Carlton Montreal, The Ritz London, Ritz-Carlton Residences , and Starwood-Branded Hotels, including Four Points Hotels, Sheraton Hotels, Aloft Hotels, W Hotels, Le Meridien Hotels, Luxury Collection Hotels, Element Hotels, Westin Hotels, St. Regis Hotels, Tribute Portfolio Hotels and Design Hotels. Marriott Rewards and The Ritz-Carlton Rewards members ( Rewards Members ) who book rooms through a Marriott Direct Booking Channel, authorized travel agents or select corporate travel partners ( Eligible Channels ) at hotels that participate in Marriott Rewards and The Ritz-Carlton Rewards loyalty programs will receive an exclusive, preferred rate ( Marriott Rewards Member Rate ). Member Rates are available globally at all hotels that participate in Marriott Rewards. Exclusions apply. See our Terms Conditions for additional details related to our Best Available Rate Guarantee and Marriott Rewards Member Rate. Hotels shown on Marriott.com may be operated under a license from Marriott International, Inc. or one of its affiliates.

    1996 – 2017 Marriott International, Inc. All rights reserved. Marriott proprietary information



    Financial Advisor Resources and Solutions by Nationwide, financial advisor columbus ohio.#Financial #advisor #columbus #ohio


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    financial advisor columbus ohio

    Financial advisor columbus ohio

    83% of people believe a financial planner could help them plan for their future. 1

    Nationwide ® can help you address the factors that will have the biggest impact on your clients’ retirement.

    We help you help them.

    Nationwide offers the tools and resources that help empower you to find solutions for your clients’ needs.

    Market and economic insights

    August 16

    Global economies get ready to run

    Many countries around the world are much earlier in the expansion phase and potentially have more room to grow.

    Market Insights
    July 19

    Earnings strength broadens out

    Projections across industries show growth which may support the ongoing bull market.

    Market Insights
    June 16

    A market that’s “not too hot, not too cold”

    Dueling perspectives appear to indicate continued growth and opportunities in certain markets.

    Market Insights

    Social Security strategies

    Financial advisor columbus ohio

    76 percent of future retirees were likely to switch advisors if their advisor can’t help maximize their Social Security income. 1

    Our Social Security 360 ® program has the tools you need to help create a filing strategy.

    Access our Client Questionnaire to get started

    Create a client-ready report to provide your clients with optimal filing strategies.

    Access the Social Security 360 Analyzer ® tool

    Social Security not enough? We can help fill the gap in your client’s retirement income plans.

    View our solutions

    Financial advisor columbus ohio

    Financial advisor columbus ohio

    Financial advisor columbus ohio

    Nationwide has been in business for more than 90 years, with an unwavering commitment to putting customers first.

    1 Nationwide Retirement Institute Social Security Consumer Study, 2016.

    Financial advisor columbus ohio

    This material is not a recommendation to buy, sell, hold, or rollover any asset, adopt an investment strategy, retain a specific investment manager or use a particular account type. It does not take into account the specific investment objectives, tax and financial condition or particular needs of any specific person. Investors should work with their financial professional to discuss their specific situation.

    Life and annuity products are issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio. The general distributor for variable products is Nationwide Investment Services Corporation, member FINRA. The Nationwide Retirement Institute is a division of NISC. Nationwide Funds distributed by Nationwide Fund Distributors, LLC, member FINRA, Columbus, OH. Nationwide Life Insurance Company, Nationwide Life and Annuity Company, Nationwide Investment Services Corporation, and Nationwide Fund Distributors are separate but affiliated companies.

    The Nationwide Group Retirement Series includes unregistered group fixed and variable annuities issued by Nationwide Life Insurance Company. It also includes trust programs and trust services offered by Nationwide Trust Company, a division of Nationwide Bank ® .

    Nationwide, the Nationwide N and Eagle, The Nationwide Retirement Institute, Nationwide is On Your Side and Nationwide Funds Group are service marks of Nationwide Mutual Insurance Company. Let’s Face it Together is a service mark of Nationwide Life Insurance Company.

    ©2017 Nationwide Mutual Insurance Company and affiliated companies



    Hartford financial k, hartford financial k.#Hartford #financial #k


    #

    MONTHLY JAZZ PARTIES

    ACJS members $10, Members under 30 $5, non-members $15. Join our jazz society at the event, get in free.

    Unless posted otherwise, jazz parties are on one Sunday (usually the 3rd Sunday of the month) from 1:00 to 4:00 pm at the Crowne Plaza San Marcos Resort, One San Marcos Place, in Chandler.

    For additional information write, call or email:

    10918 E. Michigan Ave.

    Sun Lakes, AZ 85248

    28th Annual Arizona Classic Jazz Festival

    Click on name for web site

    Kris Tokarski, piano; Andy Schumm, cornet; Hal Smith, drums

    MUST MAKE RESERVATIONS With ACJF​​

    Must purchase buffet to attend. $30 per person. Please send a separate check with notation “Afterglow”

    Cash bar for alcohol.

    ​Mixed Greens Salad with Cucumbers, Tomato and Croutons

    Ranch and Balsamic dressing

    ​Chicken Picatta with light lemon caper sauce.

    ​Beef Tips with Hunter Sauce

    Herb Buttered Noodles

    Chef’s Choice of Sauteed Seasonal Vegetables

    ​Iced Tea and Water

    ​Fresh Brewed Coffee Station

    Jazz Parties and Jazz Festival

    Crowne Plaza San Marcos Resort

    One San Marcos Place

    Chandler, AZ 85225

    The Arizona Classic Jazz Society is a 501(c)(3)

    The Arizona Classic Jazz Society has been sponsoring in-school programs for several years. The programs this year were co-funded by a matching grant from the National Endowment for the Arts. Students from Weinberg Elementary School thoroughly enjoyed the Jazz History show presented by 52nd Street Jazz Band and two professional dancers, Karen and Dabney Hopkins.

    Andrea Huelsenbeck, Teacher of General Music at Weinberg, had this to say about the presentation: “Weinberg Elementary has been a beneficiary of the Arizona Classic Jazz Society sponsored concerts for many years, and they are consistently excellent. This year’s addition of professional dancers to the 52 Street Band, demonstrating the Charleston, Lindy Hop and other dances, created another layer of experience for our students, many of whom might never have an opportunity to hear jazz music performed live. To see the delight on the faces of the students and teachers alike brings joy to my heart. Thank you so much for coming.”



    FREE D #financial #retirement #planning #software


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    We Pay The Fees So You Can Create Your Own
    Budget And Cash Flow Plan Without Charge

    How much budgeting and cash flow planning can you achieve on your own?

    The short answer appears to be most, or possibly all of it – so long as you have access to the right financial planning tools.

    Remember, this type of preparatory work is central to the formulation of a sound financial plan. To know where you are going, you must first of all establish your starting point – that is, set out your Assets, Liabilities, Income and Expenditure (a potentially unhelpful acronym) in a format that can be easily re-visited and updated.

    We at Money Guidance have spent a lot of time reviewing available Life Planning software over the last couple of years. These offerings vary from fairly basic spreadsheets to highly complex software programs, which themselves require either the guidance of financial intermediaries or attendance at a number of dedicated user courses.

    However, for most prospective investors there is unlikely to be any need for over-elaboration. After all, cash flow represents merely a series of assumptions which are capable of being fine-tuned from time to time by most of the visitors to this website.

    Having taken the time to research this market, Money Guidance has concluded that the interests of our site users will be best served by accessing the cash flow planning tools from either Money Hub or Money Vista – both of which are available here on a free-to-use basis.

    (For the cynics among you, Money Guidance has reached its conclusions independent of any direct or indirect incentives, be they financial or otherwise).

    Pension Calculator

    If you would like to calculate what the shortfall is between your current retirement funding and what you would actually like to live on in retirement, then Age UK has kindly agreed that free access can be provided to its very helpful calculator. We think you will find this tool simple to use, while producing enlightening and comprehensive results:

    Need Help? Money Guidance will be offering web-based Chartered Financial Planning at £65 per hour in association with its regulated sister company, Just Advice. Click here to learn more .

    Benefits of Life Planning

    Sound investing is not about pursuing the latest theme exhorted by fund managers, investment advisers or journalists.

    The attainment of meaningful investment results involves a reliable strategy, rather than a tactical approach informed by flawed intuition.

    To plan properly, you need to set down the big picture and then build up your medium/long term objectives from this base.

    Life Planning software provides you with the necessary framework to attain your financial goals and is central to the fee-based propositions of leading Chartered and Certified Financial Planners.

    Take the time to map out your finances using one of these valuable cash flow tools.

    Notice

    money-guidance.co.uk only contains market information and does not constitute advice or a personal recommendation in any way whatsoever. The products shown will be arranged on a non-advisory basis, unless otherwise agreed. If you are at all unsure of the suitability of a particular product for your circumstances you should seek independent financial advice. Please refer to our Regulatory Disclaimer and Privacy Policy for further information.

    *A CIC is a limited company which is established for community purposes, and the assets and profits are dedicated to this cause. In other words, this business has been designed as a social enterprise, and not to benefit company shareholders.

    Copyright 2016.
    Money Guidance CIC is an Appointed Representative of Alan Cheetham (Asset Management) Limited, a company which is authorised and regulated by the Financial Conduct Authority.



    Independent Financial Advice In Cambridge – Independent Financial Solutions 16 Low Road, Burwell, Cambridge, CB25 0EJ, independent financial advisors.#Independent #financial #advisors


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    About Us

    Independent Financial Solutions (IFS) is an appointed representative of TennetConnect Services Ltd, one of the oldest groups set up to provide smaller firms of independent financial advisors with the necessary expertise and resource to cope with the Financial Services Act. The network is now one of the largest and provides its members and their clients with the necessary influence in the market place to secure great deals. It also ensures that members adhere to a strict compliance regime and are kept up to date with major developments in the marketplace, by providing ongoing information and training.

    IFS, which was established on 2nd January 1997, is run by QUENTIN COOKE who has over 35 years of experience in the profession. Prior to establishing the business, he spent ten years with a renowned national firm of independent financial advisors, ultimately as their director of operations in East Anglia. During that time he built up a reputation for problem solving and as someone who could be trusted by clients and colleagues alike.

    His financial services experience is extensive and his clients come from all walks of life including some major PLC s. He has broadcasted regularly for BBC Radio Cambridge and has been the chairman of the Anglian Retirement Association, (a charity set up to prepare people for retirement and to promote education for senior citizens).

    He has advanced qualifications in Taxation Trusts , Pensions and Investment and as such is a Member of the Personal Finance Society and the Chartered Insurance Institute.

    TAX PLANNING AND TRUST PLANNING IS NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

    1. Independent Financial Solutions is an appointed representative of TenetConnect Services Limited which is authorised and regulated by the Financial Conduct Authority. TenetConnect Services Limited is entered on the Financial Services Register (www.fca.org.uk/register) under reference 150643.

  • For investment and pension recommendations we select products from the whole of the market.


  • UIndy College Admissions Information #admission, #education, #process, #financial, #admissions, #uindy, #counselor, #application, #fafsa, #school, #financialaid, #studentsadmission, #meetadmissions


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    Freshmen & Transfer

    Get More Out of College

    With dozens of academic programs, numerous professional organizations and an Honors College. UIndy provides an exceptional education that will set you apart in the competitive global marketplace. Add to that the opportunities for internships and community involvement that come with our location just minutes from downtown Indianapolis, and you’ll find a combination that is second to none.

    Welcome Class of 2021!

    If you’ve been accepted to UIndy, the links below will guide you through your final steps to becoming a Greyhound. In addition to completing a few necessary tasks, we invite you to join an exclusive UIndy community just for admitted students called New Hounds. which allows you to connect with other future Greyhounds, find a roommate, or just make some new friends before you arrive next fall.

    Next steps:

    Affordable UIndy

    Worried about paying for your degree? Attending the University of Indianapolis is more affordable than you think! In fact, 84% of UIndy students receive some form of financial aid. Our admissions and financial staff is here to guide you through the maze of scholarships, grants, loans and other funding options to get you on your way to earning one of the best degree options in the Midwest.

    • It’s easy – The application process is fast, free and secure. Learn more ►
    • Go further, without starting over – Upon acceptance, you’ll receive a credit evaluation showing what credits will transfer.
    • It’s affordable – Qualified transfer students are eligible for academic scholarships up to $11,500!
    • Experience the benefits – Enjoy engaging faculty, small classes, hands-on education and amazing student opportunities.

    If you’re a highly motivated and creative student, check out UIndy’s Honors College. You’ll get to delve deeper into your areas of interest and be challenged with independent study, research under guidance of a faculty member, and leadership and service opportunities.

    While each student’s UIndy experience is unique, we have several traditions on campus that give everyone shared memories. A favorite UIndy tradition is the Midnight Breakfast during finals week. Other traditions include the Celebration of the Flags and a special Thanksgiving dinner.



    Financial Accounting #financial #accounting #class #online


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    Financial Accounting

    BREAKING DOWN ‘Financial Accounting’

    Financial accounting utilizes a series of established accounting principles. The selection of accounting principles to use during the course of financial accounting depends on the regulatory and reporting requirements the business faces. For public companies in the United States, businesses are required to perform financial accounting in accordance with Generally Accepted Accounting Principles (GAAP). International public companies also frequently report financial statements in accordance to International Financial Reporting Standards. The establishment of these accounting principles is to provide consistent information to investors, creditors. regulators and tax authorities.

    Accrual Method Vs. Cash Method

    Financial accounting may be performed using either the accrual method, cash method or a combination of the two. Accrual accounting entails recording transactions when the transactions have occurred and the revenue is recognizable. Cash accounting entails recording transactions only upon the exchange of cash. Revenue is only recorded upon the receipt of payment, and expenses are only recorded upon the payment of the obligation.

    Financial Accounting Reporting

    Financial reporting occurs through the use of financial statements. The financial statements present the five main classifications of financial data: revenues, expenses, assets, liabilities and equity. Revenues and expenses are accounted for and reported on the income statement. Financial accounting results in the determination of net income at the bottom of the income statement. Assets, liabilities and equity accounts are reported on the balance sheet. The balance sheet utilizes financial accounting to report ownership of the future economic benefits of the company.

    Financial Accounting Vs. Managerial Accounting

    The key difference between financial and managerial accounting is that financial accounting aims at providing information to parties outside the organization, whereas managerial accounting information is aimed at helping managers within the organization make decisions. Financial statement preparation using accounting principles is most relevant to regulatory organizations and financial institutions. Because there are numerous accounting rules that do not translate well into business operation management, different accounting rules and procedures are utilized by internal management for internal business analysis.

    Accounting Certifications

    The most common accounting designation demonstrating an ability to perform financial accounting within the United States is the Certified Public Accountant (CPA) license. Outside of the United States, holders of the Chartered Accountant (CA) license demonstrate the ability as well. The Certified Management Accountant (CMA) designation demonstrates more an ability to perform internal management functions than financial accounting.



    How to Write a Cover Letter for a Financial Planner #financial #planner #position


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    How to Write a Cover Letter for a Financial Planner

    You cover letter has to be good to impress employers.

    Related Articles

    The quality of your cover letter can make or break your chances of landing a job. This is especially true for financial planners, who are expected to be knowledgeable, precise and good communicators. Your cover letter needs to show employers how your education and the work you ve done in the past prepared you to meet the employer s needs in this new position. For financial planners, this not only means showing that you re a master of money management, but you must also demonstrate that you have the interpersonal skills and attitude necessary to do the job the right way.

    Header and Salutation

    Your name, address, cell or home phone number and email go at the top of cover letter, on the right side of the page. This needs to be prominent so employers can locate your name and contact information quickly if they want to discuss your qualifications. Address the letter to the person who will review your submission as Mr. or Ms., followed by the full name. If you don t have a name, call the company and ask for the name of the person who s in charge of hiring financial planners. As a last resort, you can use a phrase such as Dear Hiring Manager Or Dear Hiring Human Resources.

    Opening Paragraph

    Start by stating that you are interested in a financial planner position. If it was advertised, tell the reader where you saw the ad. If someone told you about the job, mention that person’s name and relationship to the company. Employers will often give a few extra points to applicants who were referred by current employees, especially if the referrer is a trusted, hard worker.

    Experience

    In the next paragraph, describe your experience and why it makes you a prime candidate for the job. Don t just rehash your resume. Instead, illustrate one or two specific examples of your effectiveness as a financial planner. This could be providing advice that substantially increased a client s net worth, or selling a record number or financial products and services. Financial planners spend much of their time interacting with clients, so be sure the examples you choose also emphasize your customer service and resourceful problem solving skills, as these are two of the most important abilities a financial planner possesses. This section should be no more than two short paragraphs, so choose wisely and be succinct.

    Education

    Elaborate on your education and certifications in the third section. State your degree first. If it wasn t in a finance-related subject, list any courses you took in economics, investing, real estate, tax law, business or personal finance. Include any designations you earned, such as the Certified Financial Planner, Registered Investment Advisor or Chartered Financial Consultant. This is especially important for positions that involve selling bonds, stocks or insurance, or providing investment advice.

    Closing Paragraph

    Provide a sentence or two summarizing how your best qualities will be an asset to the company. Invite the employer to contact you and learn more about what you can bring to the table. Place your name at the bottom of the letter. Leave space for your signature if you re going to print the letter out and deliver it by mail, fax or in person.

    References

    About the Author

    Lauren Treadwell studied finance at Western Governors University and is an associate of the National Association of Personal Financial Advisors. Treadwell provides content to a number of prominent organizations, including Wise Bread, FindLaw and Discover Financial. As a high school student, she offered financial literacy lessons to fellow students.

    Photo Credits

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    Short Term Insurance South Africa

    Chadwicks Risk Insurance Brokers (Pty) Ltd in Cape Town are independent South African short term insurance intermediaries who specialise in risk treatment and insurance solutions. We guide our clients in analysing their risk exposures, highlighting both the insured and uninsured risks. The result? Clients purchase insurance with total peace of mind, which in turn enables them to concentrate on what they do best – their business.

    Mission Statement

    Chadwicks aim to position themselves, in the minds of South African business, as a professional short term broker of exceptional quality. To be achieved through sustained operational excellence, underpinned by expert risk analysis, top class personalised service, motivated staff, solid insurer partnerships and an ongoing quest to master insurance processes.

    Short Term Insurance Available

    The short term Insurance Risk Management Division of Chadwicks specialises in all insurable financial losses, particularly:

    Access to the whole South African Insurance Market

    We have access to the entire South African short term insurance market, including Lloyds. With the full insurance market available to you, Chadwicks Risk Insurance Brokers place insurance policies designed specifically for you with insurers who understand the risks associated with your business. This ultimately leads to optimum insurance premiums and, even more importantly, no unpleasant surprises at claim stage.

    Long-term Insurance Partnerships

    At Chadwicks Risk Insurance, we strive to build long-term client partnerships based on professionalism and integrity. We believe that a successful insurance transaction is underpinned by excellent personal client relationships and, in the final analysis, is about the prompt and fair settlement of insurance claims.

    Contact Us for Quality Insurance

    Please take a moment to view the Chadwicks Risk Insurance Brokers’ website for short term insurance in South Africa. We hope to have the opportunity of presenting our full array of products and services to you (should you not already be a Chadwicks client).



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    financial solutions helping your business grow

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    EQUIPMENT LEASE FINANCING

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    Choose Easylease for the best price and terms, high credit approval ratio, same day credit approvals and speedy, convenient online service.

    Our group of skilled and experienced professionals prides itself on delivering creatively structured leasing solutions to meet the needs of your corporation. From small business to large public companies, Easylease has the answer to your equipment financing needs and will serve you with the speed, knowledge and professionalism you expect from an industry leader. We offer a full range of credit solutions to help you stretch your money, including equipment leasing, lease lines of credit, factoring, and term loans.

    Easylease combines the unique credit interest of multiple funding partners to create a leasing force with unprecedented flexibility and service to businesses across Canada. By maintaining solid alliances with over 30 different funding partners, we are able to provide creatively structured terms at low rates to our customers. This allows us to offer a full range of financing services, from standard leases to the more flexible Lease Line of Credit.

    We pride ourselves on providing quality service to our customers and vendors. To do just that, Easylease offers online application and e-commerce functionality and comprehensive vendor programs to make it easier for all parties involved, whether it be customers and lessees, vendor partners or funding partners, to work efficiently and effectively at today’s speed of business. Our lease calculator, quick quote service and same-day credit approvals make it faster and simpler than ever before for you to find and secure the business finance solutions you need.

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    We pride ourselves on providing quality service to our customers and vendors.

    During the early years, Easylease provided us with the financing to acquire the equipment we needed to grow our business. It’s a great alternative to bank financing.

    Brian Scudamore CEO of 1-800-GOT-JUNK?

    During the liquidity crisis we were engaging with a business finance provider to potentially fund us for equipment that is worth one million dollars. In a tough economic time we had been waiting for over 6 months for approval. Easylease stepped in and provided us with the full financing in less than a week. Easylease has access to large funding amounts and an impressive quick approval process.

    Gavin Galansky President of Kobay Enstel Limited

    I first met David and his team in 2006 when I was the General Manager of Dell Financial Services. A critical success factor of our business was to provide financing to any creditworthy Dell customer. While we funded the majority of equipment leases ourselves, there were often times when good customers did not fit our credit appetite. Easylease invested in a system integration that made referrals and financing seamless for us and for our customers.

    Easylease’s subject matter expertise and relationships with a broad spectrum of funders helped improve our success rate in finding the right financing match for all of our creditworthy customers.

    Danny Lebovics Dell Financial Services
    Previously General Manager



    Welcome to David Williams IFA – Chartered Financial Planners #future #financial #planners


    #

    What Clients Say About Us View Now

    Choosing the right adviser

    When you have a medical concern, you naturally want to consult a specialist doctor with a reputation for successful outcomes. Looking after your financial health should be no different.

    Speaking to an experienced, professional independent adviser will ensure that you have the best possible chance of meeting your financial goals.

    David Williams IFA has been providing private and corporate clients with a comprehensive financial planning and wealth management service for more than 40 years. Our financial planners assist you on an ongoing basis to make the key decisions that will shape your financial future or that of your business.

    David Williams IFA is one of an elite group of independent financial advisers in the UK which are accredited Chartered Financial Planners. This is the gold standard for competency and integrity within the financial advice market.

    Explore this website to find out more about how we can help or call us on 01604 621302.

    What our clients say about us

    • Jane Blight, HR professional, Warwickshire “I get a real sense that my adviser, David Sparrow, sees me as an individual and that I get solutions that really work for me. I am being offered a personal plan, not an off-the-shelf solution. I have absolute trust that David has the interests of his clients at the centre of everything he does. “The value in working with David Williams IFA over the long term has been in helping me to form clear financial plans, guiding my decisions. I have been able to see how to manage more flexibility . Read more
    • Matt Dawson MBE, sports presenter, London “I have been a client of David Williams IFA for more than a decade. It is a close relationship built on trust and an absolute understanding of our lifestyle and investment needs. When I want things to be done, they are done swiftly. “When investments markets went through tough times in 2008, there was a brutal honesty from David Williams IFA. The team are the first to give you the reality of the situation, whether good bad or indifferent. And that stands the business in good stead. “ . Read more
    • Colin and Saliann Miles, Northamptonshire “I was very fortunate to be able to retire at the age of 53. The main reason dates back to some advice from David Williams IFA almost 20 years ago. As a direct result of following that plan through we achieved financial stability and had the platform to be able to retire when I chose to. “I am not naturally a great risk taker. David Williams IFA has always listened to me and always come up with the right investment. It might be a bit more adventurous at times when we could afford to take . Read more


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    This site requires a browser that can handle frames. The latest Microsoft and Netscape browsers can do this, and they are free. I don’t know what AOL, LENOX, and UNIX based browsers can do. Please let me know if you are using one of these and are reading this.

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    Mark Harden – State Farm Insurance Agent in Atlanta, GA #financial #advisor #atlanta #ga


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    Mark Harden

    Mark Harden

    Disclosures

    State Farm Bank, F.S.B. Bloomington, Illinois ( Bank ), is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank’s underwriting standards for each type of credit or service offered by visiting statefarm.com or by contacting the Bank at 877-SF4-BANK (877-734-2265). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. To apply for a Bank product, you may also see your participating State Farm agent.

    Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

    Before investing, consider the funds’ investment objectives, risks, charges and expenses. Contact State Farm VP Management Corp. (1-800-447-4930) for a prospectus or summary prospectus containing this and other information. Read it carefully. AP2014/12/2170

    State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

    Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.

    Auto Insurance in Atlanta, GA

    Shopping for car insurance? Mark Harden in Atlanta, GA is one of more than 18,000 State Farm® agents nationwide who can help keep you and your family covered with quality auto insurance. You can talk to an agent at any time.

    Get an online auto insurance quote – it’s fast and easy.

    Already a State Farm customer. linkStartTag Register for online account access :linkEndTag to make payments and more.

    Get an Auto Quote

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    Home Insurance in Atlanta, GA

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    Tim Hortons franchisees file lawsuit against Restaurant Brands for breach of contract #financial #lawsuit


    #

    Tim Hortons franchisees file lawsuit against Restaurant Brands for breach of contract

    Retail Marketing

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    Rose Hill Academic Calendar #fordham #university, #rams, #undergraduate, #graduate, #college, #school, #higher #education, #bachelor, #master, #mba, #business, #law, #lawyer, #social #service, #education, #religion, #jesuit, #scholarship, #financial #aid, #liberal #arts


    #

    Rose Hill Academic Calendar

    Wednesday, August 24
    FCRH Faculty Advisor Training

    Thursday, August 25

    Manresa Faculty Training

    Sunday, August 28
    Move in day for new students

    Monday, August 29

    Academic Orientation for new students

    Tuesday, August 30
    Student Affairs Orientation for new students

    Wednesday, August 31
    Classes Begin

    Monday, September 5

    Labor Day (University Closed)

    Wednesday, September 7
    Classes follow a Monday Academic Schedule

    Thursday, September 8

    Last day of add/drop

    Sunday, September 11
    Mass of the Holy Spirit

    Friday, September 16
    Deadline for removal of INC, ABS, and NGR grades incurred during Summer 2016

    Friday, October 7
    Last day for designating a course Pass/Fail (Sophomores, Juniors, and Seniors only)

    Monday, October 10
    Columbus Day (University Closed)

    Tuesday, October 11-Tuesday, October 18
    Midterm Examinations

    Sunday, October 23
    FCRH Dean’s List Ceremony

    Tuesday, October 25
    Mid-semester assessment grades (Freshmen) and in danger of failing notices (Sophomores, Juniors, and Seniors) due from faculty

    Friday, November 4

    Last day to withdraw from a course without incurring a WF

    Tuesday, November 8
    Presidential Election (University Closed)

    Wednesday, November 23-Sunday, November 27
    Thanksgiving Recess (University Closed)

    Friday, December 9
    Last day of classes

    Monday, December 12
    Reading Day

    Tuesday, December 13
    Reading Day; Final Examinations for Modern Languages

    Wednesday, December 14-Wednesday, December 21
    Final Examinations

    Friday, December 23- Monday, January 2

    Christmas Recess (University Closed)

    Saturday, December 31

    Last day to submit online the Candidate for Degree Card for February 2017 Graduation

    Tuesday, January 3
    University Reopens

    Monday, January 16
    Martin Luther King Day (University Closed)

    Tuesday, January 17
    Classes Begin

    Tuesday, January 24
    Last day of add/drop

    Friday, February 3
    Deadline for removal of INC, ABS, and NGR grades incurred during fall 2016
    Arts and Sciences Faculty Day

    Monday, February 20
    Presidents Day (University Closed)

    Tuesday, February 21
    Classes follow a Monday Academic Schedule

    Thursday, February 23-Thursday, March 2
    Midterm Examinations

    Friday, February 24
    Last day for designating a course Pass/Fail (Sophomores, Juniors, and Seniors only)

    Thursday, March 9
    Mid-semester assessment grades (Freshmen) and in danger of failing notices (Sophomores, Juniors, and Seniors) due from faculty

    Monday, March 13-Sunday, March 19
    Spring Recess (No Classes)

    Friday, March 24
    Last day to withdraw from a course without incurring a WF

    Thursday, April 13-Monday, April 17
    Easter Recess (University Closed)

    Tuesday, April 18
    Classes Resume

    Wednesday, April 26
    Undergraduate Research Symposium

    Thursday, May 4
    Last day of classes

    Friday, May 5
    Reading day

    Monday, May 8
    Reading day; Final Examinations for Modern Languages

    Tuesday, May 9-Tuesday, May 16
    Final Examinations

    Thursday, May 18
    Encaenia (Senior Class Awards and Honors Night)

    Friday, May 19
    Baccalaureate Mass

    Saturday, May 20
    Commencement and FCRH Diploma Ceremony

    Friday, June 16
    Deadline for removal of INC, ABS, and NGR grades incurred during Spring 2017



    Donations – Special Olympics Oklahoma #special #olympics #oklahoma, #fundraising, #donations, #intellectual #disabilities, #support, #financial #support, #monthly #giving, #estate #planning


    #

    Donations

    Make An Online Donation To Special Olympics Oklahoma Now!

    Your generosity enables people with intellectual disabilities to experience the power of sports every day. In doing so, you are helping change society’s perceptions and treatment of people with intellectual disabilities and creating a better world for us all. But for every Special Olympics athlete, there are many more that we haven t reached yet. Donate and help us give the power of sport to one more person.

    Note: This link takes you to the GIVEDIRECT website.

    Online Donations

    If you wish to make an on-line donation to Special Olympics Oklahoma, click on the “Make A Donation” button to the left. This is a safe, secure and convenient way to support Special Olympics Oklahoma.

    Planned Giving

    Make a difference for Special Olympics athletes and yourself Consider an Estate or Legacy Gift.

    What are planned gifts? Planned gifts include gifts through your will, charitable gift annuities, life insurance, pooled income funds and charitable trusts. A thoughtfully planned estate gift can help us reach those who haven t had the opportunity to develop physical fitness, demonstrate courage and experience joy through the participation in our program.

    BEQUESTS
    Many of our supporters make charitable gifts by naming Special Olympics Oklahoma as a beneficiary in their wills.

    LIFE INCOME GIFT
    You irrevocably transfer some assets to Special Olympics Oklahoma now, and in return, your survivor will receive income for life.

    LIFE INSURANCE GIFT
    Some of our supporters no longer need their life insurance that was purchased years ago to provide for children or other family members and donate the policy to Special Olympics Oklahoma.

    CHARITABLE LEAD TRUST
    Individuals with very large estates can use a charitable lead trust to benefit Special Olympics Oklahoma and pass principal to family members with little or no tax penalty.

    RETIREMENT PLAN GIFTS
    Your IRA assets will be transferred to a charitable remainder trust; the trust will provide life insurance for the beneficiary, and then an eventual gift to Special Olympics Oklahoma.

    GIFTS OF STOCK
    Your broker can assist you in making a gift of stock via a direct transfer. Giving a gift of publicly traded stock that has increased in value and that you have owned for more than one year may provide greater tax benefits than giving cash. Your charitable income tax deduction is equal to the fair market value of the stock and you avoid paying the capital gains tax on any increase in the current value over the original cost of the stock. You may also save by not incurring brokerage fees because you are transferring ownership rather than selling stock. Planned or legacy giving is an increasingly popular way for individuals of all financial circumstances to make charitable gifts, enabling a donor to arrange charitable contributions in a way to maximize his or her personal objectives while minimizing after-tax cost.

    BENEFITS OF PLANNED GIVING
    Fulfill philanthropic goals
    Reduce income tax through a deduction for the gift
    Avoid capital gain tax on gifts of long-term appreciated property
    Retain a stream of payments for life for the donor and other beneficiaries
    Increase disposable income
    Eliminate federal estate tax on property passing to charity upon donor s death
    Reduce cost and time in estate settlement.
    A planned gift to Special Olympics Oklahoma helps ensure the future of the services for these special citizens of our state. To learn more about how you can help, please contact Derek Cain at 918-481-1234.

    Vehicle Donation Program

    Do you have an old vehicle that you would like to get rid of? Did you know that your old car could make a difference in someone’s life? Why not donate it to Special Olympics Oklahoma and claim it as a tax deduction. All you need is your vehicle, the keys, and a clear title of ownership and we will handle the rest. Call 1-877-999-8322 and indicate you want to donate your vehicle to Special Olympics Oklahoma. If the vehicle is non-drivable, they will make arrangements to have the vehicle towed. Your vehicle will then be sold at an auction to benefit Special Olympics Oklahoma. Contact Derek Cain at 918-481-1234 if you have any questions.

    Special Olympics Pick Up Service

    Special Olympics Oklahoma has partnered with Stuff2Donate in Oklahoma City for a Special Olympics Pick-Up Service. They call local residents to solicit items such as clothing, household goods, electronics and other useable items that can be resold to help support Special Olympics Oklahoma. All items donated through the Stuff2Donate are deductible for income tax purposes at their present fair market value. To donate items, please call Stuff2Donate at 405-942-4224. If you have any questions, feel free to contact Derek Cain at 918-481-1234.

    Donations can also be made at their two locations:

    Value Village,
    4401 SE 15th St.
    Del City

    Payless Thrift,
    4640 Pennsylvania,
    Oklahoma City.



    Marketing for Financial Advisors – Helping Financial Advisors Get More Clients #financial #advisor #marketing, #prospecting #for #financial #advisors, #marketing #for #financial #advisers, #tips #for #new #financial #advisors, #how #financial #advisors #get #clients, #financial #prospecting, #marketing #for #financial #advisors, #how #financial #advisors #find #cl


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    Get More Clients or Your Money Back!

    If you are a financial advisor, this guide, available in an instantly downloadable PDF format, can help you get more clients and skyrocket your income.

    I am so confident that this guide will help you get more clients, I’m offering it with a 365-day money-back guarantee. In other words, you have absolutely nothing to lose and everything to gain .

    As a sales and marketing coach who works specifically with financial advisors, I know what it takes to succeed. I’ve combined the marketing statistics, prospecting ideas, techniques, and strategies needed for financial advisors to get clients.

    This guide also includes eighty of the exact questions I use in private coaching to put advisors on the fast-track to success.

    Once you make your payment, the PDF file will be sent instantly to your inbox. Right now, the guide is only $97, so make the investment in yourself today.

    BONUS: If you get The Ultimate Guide today, I will throw in 37 Sales Tips for Financial Advisors absolutely free!

    What Others Are Saying.

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    Get 37 Sales Tips for Financial Advisors FREE when you purchase The Ultimate Financial Advisor’s Guide to Getting More Clients !

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    The Ultimate Financial Advisor’s Guide to Getting More Clients is a no-holds-barred guide that will give you the information you need to get a much-deserved edge over your competition.

    This guide contains valuable information on:

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    At the end of each section there are questions for you to answer. These questions are a key component of the guide and I strongly recommend that you answer them thoroughly. They will allow you to understand exactly what you need to do to get more business. They are the exact questions that I’ve used as a financial advisor coach to help people succeed.

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    Riverview Bank #riverview #bank, #riverview, #financial, #bank, #banking, #checking #accounts, #savings #accounts, #business, #pennsylvania, #pa


    #

    New To Riverview?

    Welcome to hometown banking!

    WE’RE EXPANDING!

    COMING SOON!

    You’ve Worked Hard To Save Your Money

    Grow Your Nest Egg with Riverview Bank!

    VISA Purchase Alerts – Know Where Your Money is Going?

    Do You Love Paying Less and Getting More?

    Online Banking

    Ready when you are! Riverview Bank s free online banking gives you quick, secure access to your accounts 24/7 so you can pay bills and transfer funds anytime you like. We make online banking easy, safe and convenient. And, our FREE online Bill Payment service means no more check writing hassles, no stamps to buy or envelopes to fill out. Enroll now .

    Home Mortgage Loans

    Is a new home in your future? Let Riverview Bank help you get there. Whether you plan to buy or build, we have the mortgage tools, information and expertise to help you with the decisions you need to make along the way. Learn about the types of mortgage loans we offer and start your home mortgage process today. Learn more.

    Home Equity Line of Credit

    Are you ready for whatever’s around the next bend? What can you do with a Home Equity Line of Credit from Riverview Bank? How about a vacation, remodel your home, or even consolidate your debt! Learn more.

    Debit and Credit Cards

    To find the perfect card for all your purchasing needs, look no further than Riverview Bank. In addition to Visa Debit cards we offer a full range of Credit Card options, including personal and business Rewards cards, with the purchasing power of Visa and American Express. Learn more .

    Planning Retirement

    Riverview has accounts to fit your individual and retirement goals. Whether you re just starting out, or nearing the end of a long career, let Riverview help plan your strategy. Learn more.

    Commercial Banking Services

    At Riverview Bank, we know the importance of reliable banking services delivered by local people who understand your business. From commercial loans that support your capital needs to deposit services that help you maximize cash flow, Riverview Bank s commercial services are designed with your bottom line in mind. Learn more .



    Loans – Fleet Financial #car #valuation #calculator


    #car loans for bad credit
    #

    Loans

    At Fleet Financial, we specialize in bad credit, no money down auto loans, and work with more than 25 banks and credit unions who offer some of the lowest interest rates.  This gives us the ability to offer some of the lowest auto loan interest rates in the industry.

    You can buy your car with no money down!  Our expert loan consultants will guide you every step of the way and you won’t have to spend hours researching the right loan, or fill out multiple applications.

    If you’re looking for an auto loan, want to reduce your interest rate, or you need some help due to some questionable credit history that has left you with some bad credit, we can help!  In most cases, you’ll have a decision in less than 24 hours .

    Our expert loan consultants look at your unique situation and find the best possible interest rates and terms to help you save money in your monthly budget and relieve your financial stress.  Our process is stress-free regardless of your credit situation.  We offer a single loan application on our bad credit no money down auto loans products.  This allows you to receive a quick decision without personal interviews or complicated contracts.

    Click on the links below to get more information!

    We also have several other products to help you secure your financial situation and set you up for success- click HERE  to learn more !

    Auto Loans

    Refinance

    Lease Buyout

    Company Car

    Fleet Financial specializes in assisting you with the purchase your company car or any fleet vehicle

    REFINANCE your CAR and SAVE



    Financial Calculators – The Calculator Site #used #vehicle


    #car finance calculator
    #

    Financial Calculators

    The finance section of The Calculator Site featuring useful financial calculator tools for loans, car/auto loans, compound interest, savings, mortgages and more.

    Compound Interest Calculator

    Use these financial calculators to work out the compound interest on your savings. The first calculator works out interest on a lump sum. The second calculator allows you to include regular monthly deposits. Interest can be compounded on a monthly or yearly basis.

    Car Loan Calculator

    Are you looking to purchase a new car on credit? Use this car loan calculator to work out monthly repayment figures for a car loan. The calculator results include a monthly breakdown schedule of interest and capital repayment amounts, to show you exactly what you will be paying.

    Credit Card Payment Calculators

    Use these credit card repayment calculators to work out effective strategies for paying off your credit card debt. There are two calculators available, depending on which type of calculation you would like to do.

    Currency Converter

    A handy universal currency converter that allows you to quickly convert between more than 250 different world currencies.

    Interest Rate Calculator

    Savings Goal Calculators



    Financial Calculators – The Calculator Site #cheap #car #rental


    #car finance calculator
    #

    Financial Calculators

    The finance section of The Calculator Site featuring useful financial calculator tools for loans, car/auto loans, compound interest, savings, mortgages and more.

    Compound Interest Calculator

    Use these financial calculators to work out the compound interest on your savings. The first calculator works out interest on a lump sum. The second calculator allows you to include regular monthly deposits. Interest can be compounded on a monthly or yearly basis.

    Car Loan Calculator

    Are you looking to purchase a new car on credit? Use this car loan calculator to work out monthly repayment figures for a car loan. The calculator results include a monthly breakdown schedule of interest and capital repayment amounts, to show you exactly what you will be paying.

    Credit Card Payment Calculators

    Use these credit card repayment calculators to work out effective strategies for paying off your credit card debt. There are two calculators available, depending on which type of calculation you would like to do.

    Currency Converter

    A handy universal currency converter that allows you to quickly convert between more than 250 different world currencies.

    Interest Rate Calculator

    Savings Goal Calculators



    Financial Calculators #repo #cars #for #sale


    #auto loan calculators
    #

    Auto

    Can I Afford to Pay Off My Loan Early?

    By making a small additional monthly payment toward principal, you can greatly accelerate the term of your auto loan and, thereby, realize tremendous savings in interest payments.

    Should I Lease or Buy?

    Should you lease your next automobile or finance it? Find out with this calculator.

    Should I Take Out a Loan or Finance with the Dealer?

    Use this calculator to help determine which is the best option based on when you anticipate selling your car and purchasing a new one.

    How Much Vehicle Can I Afford?

    Use this calculator to help determine how much you might be able to spend on an automobile.

    Can I Lower My Monthly Payment?

    Use our auto refinance calculator to help you decide if it would be worth it for you to refinance your auto loan.

    Should I Upgrade for Efficiency?

    It may make financial sense for you to sell your current vehicle and purchase one with better gas mileage. Use this calculator to help determine your breakeven period.

    Should I Refinance?

    Use this auto refinance calculator to determine the monthly savings that could be realized by refinancing your auto loan at a lower rate yet keep the same remaining term.

    Calculate Your Auto Payment

    Many factors go into determining the final loan amount for the purchase of a new or used vehicle. Use this calculator to estimate your vehicle payment.

    Business

    What Are the Tax Savings of Retirement Plans?

    Use the following calculator to estimate the potential savings generated by implementing either a Qualified or Section 125 Cafeteria Plan.

    What Are My New Business Start-Up Costs?

    Use this calculator to help discover and estimate your total business startup costs.

    How Often Should I Pay/Charge?

    Use this APR calculator to help determine whether it makes sense financially for you to pay your creditors and/or bill your customers either monthly, quarterly or semi-annually.

    What’s the Value of My Business?

    Use this calculator to determine the value of your business today based on a variety of financial factors.

    How Much Do I Need to Sell to Break Even?

    Use this calculator to determine the number of units required to breakeven plus the potential profit you could make on your anticipated sales volume.

    Should I Lease or Buy Equipment?

    Use this calculator to analyze the total financial impact of up-front fees, interest rates and residual value on the lease versus buy decision.

    What Are My Business Financial Ratios?

    A regular review of your company’s financial ratios can help you focus on areas that may need improvement.

    How Do I Determine the Worth of an Employee Compsentation Package?



    CFPB Proposes New Federal Oversight of Nonbank Auto Finance Companies – Newsroom – Consumer Financial Protection Bureau #auto #warranties


    #auto finance companies
    #

    CFPB Proposes New Federal Oversight of Nonbank Auto Finance Companies

    Bureau Supervision Uncovers Auto-Lending Discrimination at Banks and Obtains $56 Million for Harmed Consumers

    WASHINGTON, D.C. – The Consumer Financial Protection Bureau (CFPB) is proposing to oversee larger nonbank auto finance companies for the first time at the federal level. The Bureau also released a supervision report that details the auto-lending discrimination that the Bureau has uncovered at banks. The report highlights that the Bureau’s supervisory actions against banks will result in about $56 million in redress for up to 190,000 consumers harmed by discriminatory practices.

    “Many people depend on auto financing to pay for the car they need to get to work,” said CFPB Director Richard Cordray. “Nonbank auto finance companies extend hundreds of billions of dollars in credit to American consumers, yet they have never been supervised at the federal level. We took action after we uncovered auto-lending discrimination at banks we supervise. Today’s proposal would extend our oversight, allowing us to root out discrimination and ensure consumers are being treated fairly across this market.”

    Cars are indispensable for most working Americans. Nearly 90 percent of the U.S. workforce commutes to work by car. Auto loans are the third largest category of household debt, behind mortgage and student loans. With the average loan for a new car nearing $27,000, American consumers had 87.4 million outstanding auto loans valued at nearly $900 billion in the first quarter of 2014. The leasing market also continues to grow as more than a quarter of new cars are acquired through leases.

    Auto loans are financed by both banks and nonbanks. Consumers can either get a loan through direct financing where they seek credit directly from a lender or through indirect financing where an auto dealer typically facilitates a loan from a third party. Banks, credit unions, and nonbank auto finance companies provide credit to consumers both directly and indirectly. Some nonbank finance companies are “captive” nonbanks, meaning finance companies owned by auto manufacturers who generally do only indirect lending.

    Currently, the Bureau supervises large banks making auto loans, but not nonbank auto finance companies. Today the CFPB is proposing to extend its supervision authority to the larger participants of the nonbank auto finance market. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank Act), the CFPB has authority to supervise certain nonbanks the Bureau defines through rulemaking as “larger participants” in a market.

    Today’s proposed rule would generally allow the Bureau to supervise nonbank auto finance companies that make, acquire, or refinance 10,000 or more loans or leases in a year. The Bureau would be supervising them to ensure they are complying with federal consumer financial law. The Bureau estimates that about 38 auto finance companies would be subject to this new oversight. These companies originate around 90 percent of nonbank auto loans and leases, and in 2013 provided financing to approximately 6.8 million consumers.

    Given the significance of car ownership in the lives of consumers, the CFPB wants to make sure that auto lenders, including auto finance companies, are treating consumers fairly throughout the life of loan by:

    • Fairly marketing and disclosing auto financing: The Bureau wants to make sure that auto finance companies who market directly to consumers are not using deceptive tactics to market loans or leases. The Bureau would be concerned if consumers are being misled about the benefits or terms of financial products. The Bureau is also looking to ensure that consumers are getting terms they understand and accept.
    • Providing accurate information to credit bureaus: The Bureau wants to make sure that information provided to the credit bureaus is accurate. The CFPB recently took an enforcement action against an auto finance company that distorted consumer credit records by inaccurately reporting information like the consumer’s payment history and delinquency status to credit bureaus. The CFPB is looking to prevent inaccurate information from being reported in the future.
    • Treating consumers fairly when collecting debts: The Bureau wants to make sure that auto finance companies are not using illegal debt collection tactics. The Bureau has received complaints from consumers who say that their autos have been repossessed while they are current on the loan or have a payment arrangement in place. The Bureau also is looking to ensure that collectors are relying on accurate information and using legal processes when they collect on debts or repossess autos.

    Today’s proposed rule is open for comment for 60 days after the rule is published in the Federal Register.

    Discrimination in the Auto-Lending Market

    The CFPB is also concerned about discriminatory pricing in the auto-lending market. When consumers receive indirect financing, often the finance company or other indirect lender authorizes the dealer to mark up the interest rate. Markups lead to dealers and indirect lenders charging different rates to similarly situated consumers, which increases the risk of discrimination. Discriminatory markups on auto loans may result in tens of millions of dollars in consumer harm each year.

    In March 2013, the CFPB issued a bulletin reminding indirect auto lenders that under the Equal Credit Opportunity Act (ECOA), it is illegal for a creditor to discriminate in any aspect of a credit transaction on prohibited bases including race, color, religion, national origin, sex, marital status, and age.

    Today the Bureau is releasing a new “Supervisory Highlights” report, which details the auto-lending discrimination the CFPB has uncovered at banks under Bureau supervision over the past two years. CFPB examiners found that these indirect auto lenders had discretionary pricing policies that resulted in discrimination against African-American, Hispanic, and Asian and Pacific Islander borrowers. As a result, these borrowers paid more for their auto loans than similarly situated non-Hispanic white borrowers.

    When lenders have not followed the law, the Bureau has used both enforcement and supervisory actions to direct institutions to obtain remediation to harmed consumers. Recent non-public CFPB supervisory actions at indirect auto financing institutions resulted in approximately $56 million in remediation for up to 190,000 consumers.

    To prevent discrimination from reoccurring at these lenders, the CFPB has identified at least three possible ways institutions can limit their fair lending risk:

    • Conduct internal monitoring for discrimination: Auto lenders should monitor and correct for potential discrimination that stems from discretionary pricing policies and address the effects of markup policies as part of a robust fair lending compliance program.
    • Limit discretionary markups: Indirect auto lenders can reduce the risk of potential discrimination by limiting the discretion dealers have to mark up the price of a loan financed by the lender.
    • Eliminate dealer discretion for markups: Indirect auto lenders can also lower their fair lending risk by eliminating dealers’ ability to markup the price of a loan and fairly compensating dealers using a different mechanism.

    Methodology for Evaluating Auto Lending

    In order to evaluate a lender’s compliance with fair lending laws, CFPB examination teams use a proxy methodology just as other federal supervisory agencies and many private companies do. To proxy for race and national origin, exam teams rely on data associated with consumers’ last names and places of residence. Census Bureau data is first used to calculate the probability that an individual belongs to a specific race and ethnicity based on their last name. Exam teams then update that probability based on the demographics of the area in which the person resides again using Census Bureau data.

    The CFPB is releasing a white paper which details the precise methodology the Bureau uses to calculate these probabilities, and is also releasing the Bureau’s computer code so that lenders can perform the same analysis that the Bureau’s examination teams perform. The white paper also reports on a study the Bureau has conducted which finds that the integrated approach to building a proxy is more accurate than either surname or geographic data individually.

    More details on the CFPB’s proxy methodology for race and national origin can be found at:

    ### The Consumer Financial Protection Bureau is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. For more information, visit ConsumerFinance.gov.



    Loans – Fleet Financial #car #spare #parts


    #car loans for bad credit
    #

    Loans

    At Fleet Financial, we specialize in bad credit, no money down auto loans, and work with more than 25 banks and credit unions who offer some of the lowest interest rates.  This gives us the ability to offer some of the lowest auto loan interest rates in the industry.

    You can buy your car with no money down!  Our expert loan consultants will guide you every step of the way and you won’t have to spend hours researching the right loan, or fill out multiple applications.

    If you’re looking for an auto loan, want to reduce your interest rate, or you need some help due to some questionable credit history that has left you with some bad credit, we can help!  In most cases, you’ll have a decision in less than 24 hours .

    Our expert loan consultants look at your unique situation and find the best possible interest rates and terms to help you save money in your monthly budget and relieve your financial stress.  Our process is stress-free regardless of your credit situation.  We offer a single loan application on our bad credit no money down auto loans products.  This allows you to receive a quick decision without personal interviews or complicated contracts.

    Click on the links below to get more information!

    We also have several other products to help you secure your financial situation and set you up for success- click HERE  to learn more !

    Auto Loans

    Refinance

    Lease Buyout

    Company Car

    Fleet Financial specializes in assisting you with the purchase your company car or any fleet vehicle

    REFINANCE your CAR and SAVE



    Loans – Fleet Financial


    #car loans for bad credit
    #

    Loans

    At Fleet Financial, we specialize in bad credit, no money down auto loans, and work with more than 25 banks and credit unions who offer some of the lowest interest rates.  This gives us the ability to offer some of the lowest auto loan interest rates in the industry.

    You can buy your car with no money down!  Our expert loan consultants will guide you every step of the way and you won’t have to spend hours researching the right loan, or fill out multiple applications.

    If you’re looking for an auto loan, want to reduce your interest rate, or you need some help due to some questionable credit history that has left you with some bad credit, we can help!  In most cases, you’ll have a decision in less than 24 hours .

    Our expert loan consultants look at your unique situation and find the best possible interest rates and terms to help you save money in your monthly budget and relieve your financial stress.  Our process is stress-free regardless of your credit situation.  We offer a single loan application on our bad credit no money down auto loans products.  This allows you to receive a quick decision without personal interviews or complicated contracts.

    Click on the links below to get more information!

    We also have several other products to help you secure your financial situation and set you up for success- click HERE  to learn more !

    Auto Loans

    Refinance

    Lease Buyout

    Company Car

    Fleet Financial specializes in assisting you with the purchase your company car or any fleet vehicle

    REFINANCE your CAR and SAVE