finance

Commitment – This is an attribute necessary in every employee and leader. A committed person sees to the end what they were involved with in the beginning. A committed person gives it their all. People sometimes may not show some commitment if the direction and vision of the organization are not clear. People will certainly not commit to something they are not sure of. Commitment is almost similar to loyalty. When people buy-in to the vision and goals of the organization, they are likely to set aside their personal comfort and commit to the success and overall progress of the organization. When team members are committed to their tasks, completion and success is inevitable.

Company – This is a registered organization with employees and leaders. A company is also called an organization or a business. General structure of a company has Managing Director at the top (Chief Executive Officer) and below him/her are the individual departmental heads e.g. Sales and Marketing Director, Human Resources, Finance and Admin, Operations etc. A company is broken down into individual business units which seem independent but are actually interdependent on other departments. Companies’ existence is usually governed by the Companies Act of the country where the business is registered. See Business under the B Series. A company is also referred to as a corporate entity

Communication – The way we communicate internally and with external stakeholders is what normally divides successful companies from mediocre ones. If you cannot communicate with your employees about vision, targets etc, you should not expect miracles from them. If you can not be in touch with your customers and suppliers out there, no wonder you seem to be on an island of stagnation. Communication uses a channel which varies from print media to electronic media. More and more communication is now electronic as it is faster, less expensive and reaching a larger audience. Companies that have gone bankrupt can actually mention that because they failed to listen to the needs being communicated by their customer, they eventually ran out of business. Communication is a key for success.

Competition – When you have another company or individual offering services like the ones you offer they are considered your competition. You compete to win the heart of the customer. You compete for space, orders, attention etc. It is healthy to have competition. Your competition is not your enemy. It helps to keep your services in check. In situations where companies are a monopoly there is a general tendency to slip back, relax and assume business will always be there. This is why the same company will suffer the day a competitor comes onto the same market because customers never forget those that look after the diverse needs.

Confidentiality – Information in the organization has levels of exposure. Information that is for public consumption will be found in the press or on company noticeboards. Sometimes a bulk email may be sent to the whole organization. However certain sensitive information is just for …

Money laundering is the process of moving money from the illegitimate to the legitimate economy. The crime of money laundering consists of knowingly disguising the source, origin or ownership of illegal funds.

Any criminal transactions are carried out in cash and the function of the money launderer is often to translate these small sums into a larger, more liquid sum which will be difficult to trace and more easy to invest. Money laundering has emerged on a massive international scale with the globalization of the world economy and the internationalization of organized crime.

Money earned in one region can, with increasing facility, be transferred to another part of the world, preventing its eventual recovery by law enforcement. With the globalization of organized crime activity, money is earned in all regions of the world and must be collected, consolidated and moved.

 This growth has been facilitated by new technologies, the increasing movement of goods and people globally and the declining significance of borders. A large number of professionals, including lawyers, accountants and bankers, have emerged to provide services to this criminal and corrupt clientele with large amounts of money at their disposal. Not involved in the original act, these professionals help perpetuate criminal and corrupt activities through their services. Organized crime groups have particularly benefited from the expansion of global financial markets. They have exploited the differential regulatory regimes and the possibility of moving money across jurisdictions rapidly in order to hinder detection by taking advantage of the discrepancies between country based regulatory systems.

They seek out locales that are less regulated with respect to international anti-money laundering laws. These havens, frequently offshore banking centers, provide both banking and corporate secrecy. They also provide secrecy for the trusts, which are used to hide large-scale assets that are often illegally diverted from the companies controlled by organized crime groups. In 1996 economists of the International Monetary Fund (IMF) suggested that 2 percent of global GDP (gross domestic product) was related to drug crime and the laundered sums associated with corruption and tax evasion would be an even larger percentage. The share of the world’s economy would be even higher today for several reasons as many forms of organized crime have grown in this period and the countermeasures have failed to dent the profits of this activity except at the margins.

Much laundered money has been invested in dollarized accounts and other strong currencies where it has escaped significant losses through currency devaluations in origin countries. In offshore regimes where financial capital is untaxed, its growth is faster than that of money that is part of taxed and regulated regimes. The range of businesses and financial institutions used to launder money has proliferated with the profits and the growing sums which need to be laundered. Among the institutions employed are large banks, offshore banks and financial institutions, currency exchange and wire transfer businesses, stock brokerage houses, gold dealers, casinos, insurance and trading companies.

The ability to safeguard the proceeds of transnational criminal activity, …

For the average working adult, going back to school can be one of the largest investments he will make in his life. But if you have some time before you pursue your studies, instead of applying for a bank loan, why not let time and capital work for you. Even if you plan to pursue a bachelor degree in the near future, say, in three years more, you can still save for it.

First of all, you need to have a target amount. Usually, the course fees represent a large portion of the cost. Other costs are examination fees and living expenses for those who come from other towns.

Some students may choose to study full time so that they can focus on their studies. In this case, if your employer doesn’t give you paid time off to do your studies, your budget will increase significantly, as you now have to account for your entire living expenses. In addition to that, you’ll still have to continue paying for things like insurance, car, mortgage, credit card as well as utility bills.

However, expenses can be higher if the course is done part time, as the person has less time to devote to his studies. As a result, he may have to prolong the program or even have to re-sit some papers, which means additional examination fees.

How much time you have to put aside the money depends on when you plan on taking up the program. When is the ideal time to start? To get more out of a bachelor degree, it would be good to have real world working experience of two to three years, on which to reflect upon when you’re doing the units.

At least three years of working experience would be good but you shouldn’t wait too long as the motivation level will drop. Even if you commence your studies in three years, you don’t have to pay the money in one lump sum. You can save through the study period as well which, gives you more time to accumulate funds.

Many education centers and colleges have worked out interest free schemes that you can use to your benefit. You can let your money work for you while you use the interest free payment option.

There is also an option for students to pay their fees in the monthly payments over the period of study and if the amount is paid in a lump sum, students are given a rebate. Another option is a scheme in collaboration with a bank, where students pay few hundred dollars at the start of the program and nothing else for two years. Thereafter, they have the option to repay in installments upon completing their studies.

Finally, you need to work backwards; given the number of years, inflation rate and a projected rate of return to come up with how much you need to put aside regularly. However, inflation may not have a large impact if your study period is short.

Once …

Stuck in a swamp of debts that seem to have accumulated without mercy? Then you are probably spending much time and brain work on figuring out how to get out of it without resorting to desperate measures. Well, you can unload the burden from your brains and solve your debt crisis through a smart management plan. There are many strategies through which you can achieve the desired effect- namely, the successful repayment of your numerous debts. A tried, tested and preferred method among them is a personal debt consolidation loan.

A personal debt consolidation loan is one that helps you to pay off your multiple debts. You might be languishing under outstanding unpaid bills or unpaid high interest personal loans; the only criteria that a personal debt consolidation loan demands you to meet is that you owe over £5000 to more than one creditor.

Personal debt consolidation loan can be obtained from many professional debt consolidation agencies. The standard procedures through which you manage your debts with this loan are simple to understand. First, all your debts will be assimilated into a single one. Then, based on an evaluation of your financial condition, a repayment plan will be devised. The agency will then loan you the required amount that can fund this repayment plan.

The advantages of availing a personal debt consolidation loan are as follows:

o Interest rate on the consolidated loan is lower.

o You have just one creditor- your consolidation loan provider. You will be paying the installments to this party only. It will, in turn, distribute the payment among your previous creditors. Repayment becomes more manageable

o All negotiations and interactions with your previous creditors are done by your debt consolidation agency. So, you will be spared of any further contact from these parties.

Thus, you can pay off your multiple debts gradually and easily. And since you are paying less than what you were supposed to, you can also save some extra money for your personal use. You can also request for credit counseling which many debt consolidation agencies provide. Under this program, you can learn how to manage your personal finance and economize on your expenditures.…

Unless you have become extremely popular in your personal or business name, you likely need all of the marketing and promotion you can get. Now, you may say, of course, I'm aware of this, but who has the money? This is a good and fair question. It may surprise you, though, when I say, you do not need money for some of the most valuable marketing available – radio advertising.

If you are not the kind of person who listen to talk radio, the next time you're taking a drive, tune in to one of your local talk shows and listen for awhile. Try to find something that is not a sports talk show, although they also offer the type of free advertising I want to explain. What you'll ever hear is an interview. A talk show host will have a guest, who is an expert at something. Perhaps it's a health show, and the subject is weight loss and the guest is talking about some new diet.

Now, listen carefully, because you will not hear the guest babbling about his book, web site, or going on and on about his great product that is going to melt the pounds off of every fat person in America. What you will hear, in most cases, is someone who is explaining a method for weight loss that is a new approach. Now, at times throughout the show, this expert will certainly mention his product, and the host will ask the expert to tell the audience how to order it.

Even if you are an avid listener to these types of shows, and you've heard hundreds of guest experts, what you may not know is that in 99 percent of these cases, this is not paid advertising.

You see, there are thousands of talk show stations in America, and the ones that program only talk shows probably have five to 10 different shows per day. Some quick math will tell you that tens of thousands of talk shows nationwide need things to talk about and guests to keep listeners tuned in. This is where the magic comes in for you. As a new author, salesman or business owner – talk shows need you.

Best of all, virtually anyone can get on a talk show. When I published my first book, Winning the Mortgage Game, I had very little idea how to market it, but I did know I was on a very small budget. I put up a web site, started an ezine, and it was an extremely slow beginning. That is, until I learned about being on radio talk shows. I read a very well-written how-to book by a man namedJoe Sabah about approaching radio producers and getting them to invite me to be a guest on their shows.

The second show I ever did was an hour-lomg interview on a station hundreds of miles away from my home. The producer called me at my house minutes before I was on, and …

So you want to launch your very own business or product but you do not have the funds to get you started. That can be a major problem. In order to make your business venture become a reality, you will need to have financing in place in order to develop, manufacture, launch and market your business.

Now you must ask yourself the all important question:

How Can I Get Free Money To Start My Own Business?

Well, It's easier than you might think, but first let's entertain some options.

1. You can use your own personal savings. That's assuming that you've managed to sock away a huge amount of money and you've got nothing better to do with it but some how I doubt that is going to be the case.

2. You can always beg, borrow or steal (just kidding) from friends or family members. This option may work for you if you only require a small small loan, However, most business start ups require a much larger amount of money, the kind of money that friends and family simply do not have available, let alone be willing to lend it to you.

3. A more obvious solution would be to take out a bank loan. Sounds easy enough right? Wrong! You'll need to come up with an extensive business not to mention a multitude of solid reasons why your business is worth investing in and prove that you will be able to pay back the loan in a reasonable amount of time.

4.If you have multiple credit cards with very large spending limits you could consider using them to finance your business, however, when you consider the high interest rates associated with credit cards I'm sure you'll agree that this is strictly the way to go. The high interest rates you will have to pay will likely put you into further debt and put business at risk ..

5.Finding Investors is often another consideration but you will find them to be next to impossible to come by when you are first starting out, unless you have a bullet proof business plan that will guarantee high returns quickly, investors simply will not be interested in putting their money at risk.

6.From my own personal experience I have found that the best avenue for locating free money for a small business venture is via state & federal grant programs. The government provides billions of dollars in grant money for business start ups every year, and you do not have to jump through hoops to get it.

So the next time you ask yourself … How Can I Get Free Money To Start My Own Business? I suggest that you save yourself the hundreds of hours it will take you to search individual offerings, by simply accessing a Government Grant Directory, as they will have an extensive database of all government grants available to you. They typically charge a very small, one time fee but you will find it to be …

In its core, finance explores the ways in which business entities, individuals and organizations utilizes the resources over time. The study of money and the management of assets has been the focus of finance. Maximization of shareholders wealth has the main focus of the financial manager. Decisions relating to investments, dividends and financing have been taken by the financial manager. Finance home work help provided by the online sites worth its salt. Although there are plenty of experts who provide online help for various topics in finance. It is quiet important to find the right guide who can lead the students properly.

The basic areas of finance is the time value of Money, bond valuation, stock valuation, dividend policy, capital structure, risk & return, cost of capital and capital budgeting.

The time value of the money is also processed in Finance. At the time of investment "The bird in the hand principle" is of much importance. One dollar in hand today is certain but one dollar which can be received tomorrow is less certain. This is the risk strategies in finance. Even with the consumption preferences, the preference level for the immediate consumption is stronger than the delayed consumption. As the saying goes "The promise of a bigger pizza next week counts less for a starving man."

Although homework help with finance is quiet complex, there are many experts who work round the clock to serve the needs of the students.

The whole responsibility of managing the general accounting function, the internal control procedures, and the pay-out systems is in the hand of the finance and accounting manager. So, the students of finance and management need to put intensive care in learning the basics of finance. …

Managing your finance is a tougher job when you are carrying lots of debts with yourself. Either you have taken loans or any other form of debts in the past; this may solve your financial problems. But the real story begins when the time for repayment arrives. It makes us put all our effort to calculate the installation amounts and plan our monthly budget. After doing all the hard work at last we came to know that our finances are not meeting up the expenses. Than what are we left with ???? ….. only debts and more debts ??? At such moments you need to find your debt management solution for your troubles.

Debt Management Solution is provided by financial consultants and agencies at some charge. The solution basically means a form of financial advice regarding how can and how you should manage your money so that you can easily bear your expenditure and simultaneously making repayments of the loan amount. The most common suggestion or recommendation given by these agencies is consolidation of debts.

The debt consolidation in a single line can be defined as reducing your debts in number by taking a loan and paying all your debts. Now their remaining a single debt and that too too low rate of interest. This cuts down your monthly expense to a larger extent. The other thing which needs to be taken care of is to minimize your use of credit cards, use a debt card instead. Following are the services provided under debt management solution:

o Debt consolidation advices from professionals.

o Debt consolidation programs and debt reduction.

o Advices and facts about bankruptcy.

Applying for a Debt management solution is very easy through online option. The application form consists of details such as your name, permanent address and contact information, residential status (whether you are home owner, tenant or living with parents), email ID for communication, home and work phone, amount of debts with you at present, details of debts, accept the terms and conditions after reading them and click on submit to get the further assistance from the advisers.

Debt management solution can help you write off nearly 90% of your debts. Advisers and consultants will talk to your lenders; negotiate with them for loan repayments installments. As the installation become smaller, debts become lesser, interest rates goes down, automatically your expenditure will decrease and you will be able to live a better life without the financial stress and tensions. …

It is a thought a lot of us have had. Dropping your car insurance policy to save yourself the added expense and to have money to spend on "more important" things. Doing so seems harmless, considering you probably only plan on dropping it for a short period of time, but rest assured there may be serious repercussions for your actions.

First and foremost, one primary reason you do not want to cancel your auto insurance policy because you are required by law to have one if you are an active driver. So, by banking, at this point you would be breaking the law, which is never a good thing. Not getting in accidents is just one of many obstacles you would have to avoid in order to not get caught. Being rolled over for speeding is a surefire way of getting talked with no insurance. In addition, several states set up surprise checkpoints in order to catch drivers that are not abiding by the laws. Sure, the checkpoint may be for seat belts or to check if people are driving under the influence, but while they have you stopped they will check for insurance as well. Insurance companies will sometimes report to either the auto finance company or onto an uninsured motorist list that police officers now have the ability to run your license plate number and receive a report back your insurance status. If the check comes back positive for you being an uninsured driver, they will waste no time in pulling you over to question it. Because of the law requiring insurance, obtaining caught without can result in stiff penalies.

Getting used without car insurance could result in a fine you have to pay, your drivers license being suspended, or even having to spend time in jail. Paying a fine would defeat your original purpose for saving your policy, to save money. Having a suspended license means you would be committing another crime if you choose to continue driving, in addition to the fact that you probably would not be opening an insurance policy before you drive either. As for spending time in jail, well, we all know what that is, and no one wants to go there. On top of the fines you may face, your car may be impounded as well and guess what that means, more money out of your pocket. First, the car can stay impounded until you pay for the original fine, but for as long as the car is impounded, you will be charged a daily fee for that as well. The cost could go very high in a very short period of time.

The law that requires that you carry auto insurance is not the only reason you want to keep your policy as opposed to cancelling it. The policy you have is there to protect you, your family, your car, and your finances. If you cancel the policy and get into an accident while uninsured, and the accident is your …

Do you think you really know how to shop? How do you calculate how much you pay the next time you take a loan? Do you have a system whereby you know how much is it that you can afford the next time you buy a car or a house?

You just bought a car. The installation is around $ 650 a month and you are determined that you can afford to pay the installation. You calculated the interest rate, term of loan and depreciation value and you are very sure that you can afford to maintain the car. After six months driving your car, you feel the pinch of paying your installation and you have a lot of bills, parking tickets and fines that you have not settle.

What do you do after this? You spend less, you travel less to save on your petrol and when all else fails, you decide to sell the car. However, you still have to carry on driving the car because you still have not breakeven your loan wit the finance company. For all you know, you are stuck with your car and financial problem start coming in like termites. Does this sound like you or at least sound like someone that you know?

I am not here to tell you not to buy a car or to nag you that made the wrong choice buying the car. I am not even here to tell you to avoid taking loans and to buy your car in full cash. However, what I am going to do is to teach you how to calculate whether you can afford or not.

You may think that I am talking nonsense and that I do not do a thorough research on this topic. Well, think again. It's because I see this problem too often that thought about it for three days in a row and try to think of a way to tell people on how to calculate the right way. A method a nine year old will know how to apply!

The method that I am going to share with you is simply what I call the 'Percentage Calculator TM'. Let me share with you how. Human beings are better at number 0 to 100. What a better way to calculate everything in percentage. If you say $ 2500 (100%), savings is $ 500 (20% of income), expenditure including mortgage or rental is $ 1500 (60% of income), you are only left with 20% of your income that is $ 500.

With 20% of your income left, and knowing that you expenditure is kept at the minimum, do you want to buy a car still? You may disagree with me and tell me that with $ 500 you can still afford to pay your monthly installments. I totally agree with you but does this mean you would give up your shopping, holidays and entertainment? So, my advice is, the next time you buy something in installment or …