finance work

Most universities today offer the Masters in Finance as an option within the structure of the MBA program. Schools of business usually have several areas of concentration to choose from in the second year of a two year, full time MBA course of study. At most schools the most popular major for the MBA is Finance. The list of schools below all include finance as an MBA option and in some cases offer additional graduate level options for degrees related to finance, either within the context of corporate operations or as an analytical profession. Some universities offer a Masters in Financial Mathematics for students interested in the complexities of analytics or in a PhD program that specializes in the technology of business finance. The schools listed below all have degree programs designed for career advancement in the business world.

New England College of Business and Finance has been in existence since 1909 when it was founded as the New England Banking Institute. Over the years it has evolved from a finance training institution to a full fledged degree granting college accredited by the New England Association of Schools & Colleges. The Master of Finance degree includes eleven advanced courses that cover International Finance, Applied Quantitative Methods, Enterprise Risk Management, Portfolio Management and several other areas of the academic discipline. The college has a solid background in educating aspiring professionals in the banking and finance industries.

Baker College offers the online MBA in Finance with a program that includes thirty three credit hours devoted to business studies and an additional twenty credit hours for classes in the finance specialization. Among the business core courses are classes in Research & Statistics for Managers, Accounting for the Contemporary Manager and Management Information Systems, so the analytic tools and IT requirements for a Masters in Finance are covered in the first section of the program. Advanced finance classes include Public Finance and International Business Finance.

University of Liverpool has ventured into the international online education field with its online MBA program. Since the program was accredited by the European Foundation for Management Development it has developed a student body drawn from over 175 nations. The MBA in Finance and Accounting is delivered in modules, with each module consisting of classes that increase in complexity. The University provides e-books or printed textbooks at no charge. Finance modules include Investment Strategies, Financial Reporting, Business Finance and Advanced Managerial Accounting.

Kaplan University offers an online Masters of Business Administration with specialization in Finance that can be completed in one year of full time study or two years of part time study. The curriculum includes mergers and acquisitions, international business finance, foreign exchange risk, hedging strategies, and global positioning of assets. Kaplan also offers a MBA in Entrepreneurship that delves into the creative sources and uses of capital involved in a startup.

Being unsure of how casino finance online works, most people would like to join the world of online gambling but feel hesitant. If you are one of these people you do not have to worry; the process is simple to understand if you follow the right steps.

How to Choose the Casino

When deciding which online casinos to play, you may want to consider a few things:

Themes that appeal to you
Your favorite casino games
Look and feel
Promotion bonuses
Funding process
Loyalty programs
Try to visit as many online casinos as you can so that you can work up a comparison and decide which one is best suited to you. If you are attracted to the bright lights and ringing bells of land-based casinos, you will be able to find a very close simulation online as well. Perhaps you are looking for a high-end experience that is more sophisticated.

How to Gamble Online at No Cost

Some online casinos give new customers the opportunity to play games at no cost. This is so that you can have the chance to test the software and to gain gaming experience before making any financial commitment. When visiting online casinos, links are usually available that take you to pages specifically designed to tell you more about casino finance online.

Funding Options

Using a credit card to fund your account is by far the simplest option. The biggest advantage of this is that the money deposited will be immediately available for you to play. You will find alternative options to casino finance online that include sending a check or money order and you can have these explained to you in further detail by contacting a customer service representative of the online casino in question.

Loyalty Programs

To attract new customers and retain existing ones online casinos introduced loyalty programs as a drawing card. Advertisements promoting these programs can often be found on the home page of some casinos but most appear during the registration process. Bonuses for playing or depositing money are examples of some of the rewards available to players in a loyalty program.

Initial Deposit Bonus

After making the decision to register for a new account, check for any sign-up bonuses that may be offered. Sometimes online casinos offer bonuses to customers who make their first deposit into a new account. This benefits the player by adding to the amount of funds they have to play their favorite casino games.

Casino Accounts

Once you have created your account you are able to check your balance and view a history of your playing activity. This is a great way to keep tabs on how much you have won and how much you have spent. After a bit of time investigating your options, casino finance online is demystified and you can now dive in to the spectacular world of online gambling with peace of mind.

Most universities today offer the Masters in Finance as an option within the structure of the MBA program. Schools of business usually have several areas of concentration to choose from in the second year of a two year, full time MBA course of study. At most schools the most popular major for the MBA is Finance. The list of schools below all include finance as an MBA option and in some cases offer additional graduate level options for degrees related to finance, either within the context of corporate operations or as an analytical profession. Some universities offer a Masters in Financial Mathematics for students interested in the complexities of analytics or in a PhD program that specializes in the technology of business finance. The schools listed below all have degree programs designed for career advancement in the business world.

New England College of Business and Finance has been in existence since 1909 when it was founded as the New England Banking Institute. Over the years it has evolved from a finance training institution to a full fledged degree granting college accredited by the New England Association of Schools & Colleges. The Master of Finance degree includes eleven advanced courses that cover International Finance, Applied Quantitative Methods, Enterprise Risk Management, Portfolio Management and several other areas of the academic discipline. The college has a solid background in educating aspiring professionals in the banking and finance industries.

Baker College offers the online MBA in Finance with a program that includes thirty three credit hours devoted to business studies and an additional twenty credit hours for classes in the finance specialization. Among the business core courses are classes in Research & Statistics for Managers, Accounting for the Contemporary Manager and Management Information Systems, so the analytic tools and IT requirements for a Masters in Finance are covered in the first section of the program. Advanced finance classes include Public Finance and International Business Finance.

University of Liverpool has ventured into the international online education field with its online MBA program. Since the program was accredited by the European Foundation for Management Development it has developed a student body drawn from over 175 nations. The MBA in Finance and Accounting is delivered in modules, with each module consisting of classes that increase in complexity. The University provides e-books or printed textbooks at no charge. Finance modules include Investment Strategies, Financial Reporting, Business Finance and Advanced Managerial Accounting.

Kaplan University offers an online Masters of Business Administration with specialization in Finance that can be completed in one year of full time study or two years of part time study. The curriculum includes mergers and acquisitions, international business finance, foreign exchange risk, hedging strategies, and global positioning of assets. Kaplan also offers a MBA in Entrepreneurship that delves into the creative sources and uses of capital involved in a startup.

Northeastern University offers a MBA in Finance online through its School of Business. This area of concentration covers mergers and acquisitions, licensing, joint ventures, and IPOs from a management perspective. There is also a MBA in Entrepreneurship that includes some of these advanced courses. In addition Northeastern offers an online Master of Science in Finance that focuses entirely on the complexities of accounting and finance, quantitative and modeling methods, and international finance structures for global businesses.

With solid job prospects projected through 2016 and with colleges and business schools offering flexible degree programs, what’s holding you back from pursuing career training in accounting and finance? Indeed, the U.S. Bureau of Labor Statistics (BLS) estimates accountants and auditors should see 18 percent job growth rate during the 2006-2016 decade.

Courses for All Levels of Expertise

Whether you’re just beginning an accounting or finance career or looking to move into management roles from your present job, online schools offer programs leading to an associate’s, bachelor’s, or master’s degree. Depending on your career goals, you can enter several career tracts, from accountant to banking, financial advisor to auditor.

Those pursuing accounting degrees can take online courses in preparation for Certified Public Accountant (CPA) designations. In 2007, some 48 states required accountants to pursue 30 hours beyond undergraduate accounting training to gain their CPA designations. The certification typically leads to greater on-the-job responsibilities–and greater earnings potential.

Career Prospects in Accounting and Finance

Upon graduation, you may be qualified for a broad range of career opportunities within the world of finance. Bankers, for example, can advance in rank at their financial institution by completing post-secondary career training.

Personal financial advisors, according to the BLS, are professionals in one of the fastest growing career fields, with a sizzling 37 percent increase in jobs predicted between 2006 and 2016. You can get a foot in the door by completing a finance degree. However, graduates holding a bachelor’s or MBA degree may have the best opportunities in financial advising roles.

Jobs for accountants are expected to rise, especially for those who hold CPA certifications. Most jobs typically require at least a bachelor’s degree, the BLS reports. Many new positions should be in the corporate world where government regulations for strict financial reporting may fuel new hires in accounting roles. Public accountants can also work as tax specialists, preparing forecasts and returns for businesses and private individuals.

Doing the Books

Auditors with two and four-year degrees can find jobs in the public or private sector, as well. Companies and government agencies rely on trained professionals to handle budgets, payroll, and accounts. Taking courses in business, finance, or accounting can give you a great start on mastering key job skills, especially if you enroll in courses covering the latest iterations of accounting, taxation, payroll, and spreadsheet software.

Bookkeepers, auditors, and accounting assistants may also handle invoices, billing, and inventory procedures. Online training programs can bring you up to speed in common, in-demand business skills in quick order. Approximately 21 percent of all working accountants and auditors work in wage jobs for bookkeeping, accounting, tax preparation or payroll processing companies, with another 10 percent working as self-employed professionals.

In the end, completing an education is central to finding success in the financial world. Taking online accounting classes at an accredited school or university or completing a finance degree has never been easier. Online education affords you the chance to mesh school requirements with existing work or family commitments.

When it comes to making a car purchase, paying for it is a big part of the battle. Even mid level new cars run into the $20,000 range. Because of these prices, few people pay cash for cars anymore and statistically about 7 out of every 10 people use car finance to pay for their new vehicle. In order to get the best car finance possible, you need to understand how the whole process work.

First, you want to figure out where you are going to get your car finance. There are a number of institutions that can get you financing. Banks, credit unions, the dealership, or even auto manufacturers can provide financing for your new or used vehicle.

Second, with a car finance, you need to realize that whether you buy a new or used vehicle will affect your financing. As a general rule, interest rates will be lower on new cars than on used ones. Also, new cars can often qualify for financing over a longer period of time than can used cars.

Next, when it comes to our car finance, don’t believe everything you see or read. Commercials for special financing for those who are first time buyer or have bad credit abound in papers and on the television. These are usually a little too good to come true and come attached with requirements such as extra high down payments and extremely high interest rates. In some cases, both apply to the loan.

Before you go to get your loan, make sure you know about your own credit history. Get a copy of your credit report and go over it with a fine toothed comb. Look at the score as well as the payment histories on it. If anything at all looks incorrect, make sure you get it cleared up. When a lender looks at how much money to give you, they will check out your debt ratios, how long you have been at your job, your history with similar loans, and your credit report as a whole.

Once you are armed and ready to consider your car finance, shop around. It is usually a good idea to look for the financing before you buy the car. You will better know what you qualify for that way. Also, you can use your information to bargain further with the dealer. In order for them to finance your car, you should ask them to beat the rate you have from wherever else you have looked.

Remember that everything is negotiable. Just because the car finance rate you got is pretty good, it doesn’t mean that you have to pay what they ask. Negotiate the rate of your loan, the price of the car, or anything else you can talk to them about. It can’t hurt and you could save yourself a lot of money that way. As the process goes on, don’t get caught up in the numbers. The dealers will try to give you monthly payment numbers only so that you don’t notice any added charges. However, sit down with a calculator and just figure out the payments yourself and you will have nothing to worry about.

Seller financing is extremely powerful because the buyer and the seller have control over all the terms of the transaction. That means that there are virtually unlimited applications for seller financing. However, all of the options for seller financing fall into just a 2 major categories: financing after the closing and financing before the closing.

The following 4 types of financing occur after the closing:

1. Free and Clear Financing – When a seller owns a property “free and clear” there are no liens or encumbrances on the property. In this situation the seller and the buyer are free to make any terms they want to in order to make a deal successful.

2. Equity Only Financing – This type of financing means that the seller only finances their equity in a property. The buyer is responsible for getting new financing to pay-off all of the seller’s encumbrances and liens. The seller is then free to finance the equity in the property.

3.Wrap Financing – This is also known as “subject to” or “blanket” financing. In this situation the buyer takes the property “subject to” the existing mortgage. The buyer is responsible for making mortgage payments to the seller and the seller is responsible for making mortgage payments to the original lender.

4.Combo Seller Financing – This type of financing is a combination of the financing options #2 & #3. The buyer can “wrap” the underlying mortgage and finance the seller’s equity.

The next 4 types of seller financing occur before the closing:

5.Purchase Option – Any time the buyer gives money to the seller (option payment) for the right to purchase the property at a given price (option price) and within a given timeframe (option period) the buyer has a “purchase option”. This is a form of seller financing because the seller still is responsible for the property and any payments until the buyer purchases the property (exercises their option to purchase) or the option expires.

6.Extended Closing – An extended closing is similar to a purchase option except that the extended closing is done with a Real Estate Purchase Contract (REPC). In the extended close the closing deadline is extended or put into the future significantly further than a typical real estate purchase.

7.Open-ended Closing -The open-ended close is also done with the REPC except the closing deadline is tied to a future event (such as the completion of an addition or remodel). The closing only occurs after the future event has occurred or has been completed.

8.Seller Partnerships – In this situation the seller may sell the property or may retain ownership. In either case, the seller contributes the property (and possibly some capital) as their contribution. The buyer would contribute the work and knowledge (and possibly some capital) to create or enhance the property value. The property would then be refinanced by the buyer or sold to a third party. The seller would get his equity and capital contribution plus an agreed partnership split of the additional profits on the transaction.

The great thing about these 8 types of seller financing is that every option can be used to benefit both the buyer and the seller. Using these seller financing options a seller can actually get a buyer to come in and improve their property, do all the fix-up and repair work at the buyer’s expense, and the buyer is excited about doing the work! I’ll explain how this can be in my next article…

When it is time to arrange the financing for an acquisition, it is important to be creative. When seeking money to buy a company, you will notice that a number of community banks, typically big funders of certain acquisitions, are encountering difficulty due to their degraded residential (builders) loan portfolio. Creativity can make the difference between accessing capital or canceling the acquisition, especially now when credit markets are tighter.

Here are some options for financing acquisitions:

1. Owner financing / seller financing – Go to the seller first. Who is better prepared to finance the business than the person or company who owned it? They know the business better than anyone and are most familiar with its risks. In the current environment, you should be able to get 40-70% of the business financing via owner financing. You must convince the seller you are a good risk, just as you would have to convince a bank.

2. Supplier or vendor financing – The target company’s suppliers and vendors are a good source of financing. Their business is likely to increase under your new ownership. (i.e., If you do not intend to grow the business, why would you buy it?) Leverage that growth in their business to negotiate for financing from them. If the target company has been a good customer, the supplier is knowledgeable about the business and will understand the inherent risks better than a typical bank. Note that if you are an existing business acquiring another business, you can pursue financing from your suppliers and vendors. The same reasons apply.

3. Mezzanine financing or private equity funding – Mezzanine and private equity funds that serve the small and medium markets raised large sums of money before the market meltdown. They therefore have money to spend and are looking for great opportunities. With fewer people and companies making acquisitions right now even though multiples are very low, now is a great time to obtain mezzanine financing. The target company typically will need revenue of $10 – $20 million and higher and EBITDA of $2 – 3 million and more to be interesting to a mezzanine or private equity fund. Why? These funds have to spend large amounts in a relatively short period of time (5-7 years) so they need larger deals.

4. Bank debt – If the target company has a lot of medium to long-term assets in addition to good cash flow and a strong profit margin, you should have relatively few problems finding bank financing. However, if you want to buy a service company which has a lot of receivables and other short term assets, you may encounter difficulty. Find a bank that has a history of financing the type of company you are buying. Also, talk to the seller’s banker. If the seller has a strong banking relationship, the banker will know the business well, increasing the likelihood that that bank will provide financing in order to retain the relationship and the itinerant deposit accounts.

5. Receivables financing – If you find it difficult to obtain bank financing, pursue account receivables financing firms. They can provide term loans and lines of credits against the receivables. Although the interest rate will be higher, these firms are more familiar with receivables financing and thus often more comfortable with lending against receivables.

6. Pre-paid sales – Approach the target’s customers and ask them to make a bulk purchase or pre-pay for several months’ or a year’s worth of products or services in exchange for a strong discount.

These are some acquisition funding options to stimulate your own creative thinking and approach. There are other alternatives, some of which may be unique to your particular business.

In 2021, due to lockdowns and mandates, more people than ever before began to look for ways to earn money working from home. In particular, many looked at blogging as an online business. The problem though, was that many of them didn’t really know how to make money from a blog. So just how can it be done?

Keep reading and I’ll go through 3 steps that you need to take to become an online blogger.

First, you need to find the right niche to work in. You need to find a “hungry market,” people who are looking for information to read and looking for products to buy.

It also needs to be a niche that you’re interested in because you’ll be writing a lot of blog posts about it.

Once you know what you’ll be blogging about, you then need to create a blog. This is simple to do using all the blogging software available. You can even set up a blog for free through platforms such as Google’s own Blogger service. Blogger has been around for years and is used by many successful bloggers, including me.

Once you’ve set up your blog, fill it with useful content, products to sell, and onsite advertising for extra income. Some bloggers earn thousands this way, selling products online as affiliates, and earning money through PPC advertising.

Once you get enough pages set up, it’s time to market your blog to get as many visitors as possible. And if you have an email subscription box on your blog, you can stay in touch with all those who sign up.

Marketing can be paid for, or can be done for free through social media and article directories. When you’re first starting out, it’s better to use free marketing, although you can go ahead and pay for it if you want to and if you already have the funds. Personally, I’ve never paid for online advertising for any of my website and blogs. Perhaps I’m leaving money on the proverbial table by marketing this way, but my online success over the years has been good without it.

And that’s the 3 steps you need to take. Choose your niche, set up a blog, join an affiliate network to find products to promote, and market your blog in as many places as you can to get thousands visitors. Just make sure you’re marketing in the right places to get the right kind of visitors.

So what are you waiting for?

Get your own money-making blog set up and running today.