Find Unique Gifts, Games and Party Supplies for Old Friends at OverTheHill.com

Does not feel that time was very long has passed where you and your friends are now 60 years old. There are many good memories, fun and funny that have been passed along with the best friends you have. Now, you want to enjoy those memories with your friends where one of your friends will be repeated year to 60. You want to buy gifts for your best friend something interesting and rarely sold in other place. You want to remember how cute you and your friends at that time and you want to repeat the fun moments like the past by giving gag gifts for your friends who are over-year. If you're looking for gag gifts then only one of the best sites for you to find a variety of funny and interesting gifts that OverTheHill.com.

Over The Hill provides a variety of funny gifts, games, and special equipment for your party or your friends over the age of 30, 40, 50, 60 70, 80, 90, and to-100. If you need a gift for your friend who's 60th birthday then you can choose products that are available such as 60th Birthday Candle Hat – Black, Coffin Gift Set - 60th Birthday, Party in a Bag - 60th Birthday, Oversized Over the Hill Birthday Glasses, Over the Hill Hearing Aid, An Inflatable Cane, Over the Hill Workout Gear, and many more attractive prizes and other funny that you can choose. Over The Hill provides a variety of gag gifts, unique and attractive that you will not find in other place except only at the Over The Hill. Immediately select gifts for your friends and discover fun memories with your friends.

Factoring Finance: An Introduction!

Also known as invoice discounting, accounts receivable and debtor factoring, factory is an old method of fund raising for any company. In this method, the company actually sells its income receivable sources at discounts to a party that gets the right to collect the funds from the original sources. It is not any kind of loan agreement however; it can be seen as the method of raising capital for fulfilling immediate needs. Here, the buyer gets the profit upon the collection of the debt. Factoring is the method of transferring ownership of the debts to one party to another and subsequently surrenders the money collection rights as well.

The main concern of this method of fund collection is to allow the liable party to get rid of the troublesome loan conditions for usually discounted price. However, the risk taker (buyer) gets the right to make some amount of profit by owning rights of getting the rights of income receivables. Here, the seller of the fund receives the working capital in addition to purchasing the rights at discounted prices. Isn't it a worth buying income receivable at much lesser than it actually costs? In general, the discounts available for such dealings can be anything up to 25% of the actual worth.

As the name suggestions, factoring finance in San Antonio is a reliable service in which the factor or the buyer gets the right of money collection. For this, he or she has to make additional fee for seeing a smooth transfer of the funds upon realization.

The process should not be misunderstood as a form of loan but it is a common practicing money raising process.

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Why a Confidential Factoring Receivable And Invoice Finance ...

Are we right or wrong? We have always maintained that knowing something others don't in business gives you an advantage, and we think you'll see that advantage when we tell you about a confidential factoring program that works and why this type of invoice finance puts you head and shoulders above your competition.

You probably have heard that thousands of Canadian firms have moved to invoice discounting as their primary finance vehicle. Unfortunately misinformation about this type of financing is everywhere, and we'll show you how the advantages of receivable financing can be put to work immediately.

The real power of confidential invoice financing is the fact that you have the ability to bill and collect your own receivables. 99.9% of your competition won't be able to do this, and it is that stigma along with their suppliers, employees, etc that your competitors can't overcome.

Invoice financing works because as you grow your company the collection of cash doesn't, unfortunately, match the amount of sales you are generating. Those customers of yours continue to pay you in 30, 60, and 90 days... like it or not.

Naturally we tell our clients they have the option of restricting their customer's credit, holding shipments, and enforcing a strict collection policy - as you can imagine that is not their preferred solution - which is more often than not to extend more credit and be patient with their customers.

If you have an operating line of credit from a bank you could generally fund this working capital at a pretty decent cost - unfortunately small and medium sized business in Canada can't always access this type of credit.

Enter a confidential factoring receivable and invoice finance program! When you utilize this type of financing you are generating all the short term borrowing you need, and, more importantly, you have the ability, unlike those competitors of yours to bill and collect your own receivables. Most receivable financing in Canada is actually done on a full notification basis - it works, but we don't like it, because it involves notifying our clients, employees, etc as to how your firm is being financing. We prefer that to be our clients business, not the entire marketplace!

When you use confidential invoice financing you receive approx 90% of the invoice amount the day you generate the invoice. The balance is simply held back and remitted to you when your customer pays you - less the financing charges.

And hey, what about those financing charges - aren't they high? We have some strong opinions on that, mainly due to misinformation that abounds on the cost of factoring. Confidential invoice factoring costs the same as regular financing in this manner, and we point out to clients that the charge is not dissimilar to carrying those accounts receivable for 60-90 days on your books. And making using of that cash to generate further sales and profits, enhance relationships with suppliers, etc, is a key benefit of this financing.

Speak to a trusted, credible and experienced Canadian business financing advisor and learn how you can take a unique competitive lead via a confidential invoice finance program.

What Are The Three Most Common Ways To Finance A Car?

All drivers need to consider purchasing a new motorcar at some point in their lives, whether it's something that's planned or it comes up somewhat unexpectedly. You might be driving around in a car that you've had for 10 years and you've decided that it's time to upgrade to something more reliable and economical, your current car might have broken down and it's not financially viable to repair it or you simply might be tired of driving the car you've got at the moment. Whilst there'll without doubt come a time when everyone needs to buy a new car, the problem comes when people begin to look at how they're going to afford the car.

Some people won't have any problems and will be able to walk into any car dealership in the country, purchase any model they like and drive away in it having paid cash. Others won't be as fortunate and will have work out how much they can realistically afford and stick to a strict budget where they can't go even one penny over.

Fortunately for those people who don't fall into the first category - which is in fact approximately 80% of the 'new' car buying market - there are various options available for you to consider when buying a car. The following sets out the three main car finance options open to the 80% of people who cannot buy a motorcar outright with cash.

1. Car leasing - this is now the most popular way for UK drivers to obtain a motorcar. Hire purchase used to be the most popular by far but the attractiveness of leasing's low monthly payments, handing the car back to the leasing company after 3-4 years (instead of the stress of selling it) and getting a new car has moved car leasing to the top spot with c. 60% of all car buyers using this option in the first half of 2010. Car leasing is also popular because it makes the more expensive cars more accessible. That is because the more expensive cars (e.g.; BMW, Mercedes) depreciate slowly and when you lease a car you fund the depreciation of the vehicle plus interest and you do not pay for the whole vehicle - just the amount that the leasing company agrees with you at the start of the contract. This means that you can pay as much as 50% less per month for car leasing as opposed to using hire purchase or a car loan.

2. Hire purchase - used to be the most popular form of car finance. It is very basic. You sign a contract to buy the car by making monthly payments over an agreed period (typically 4 or 5 years). You will not own the car until you make the final payment and if you default on your payments the finance company will take the car from you because they own the vehicle.

3. Bank loan -car loans are the least popular way to finance the purchase of a new car (only 13% of people use car loans to buy a new car). This is most likely because a car loan is the most expensive way to finance a car.

Lease Vs Finance

I've been in the auto industry since I was 19 years old. I started as a young salesman and worked my way into upper management at an early age. So far I've enjoyed my career as a "used car salesman", haha. I think everyone would agree it's been a tough economy for the past few years, the banking industry, the job market, it's been down right tough on everyone. That being said, it seems over the past year that things have smoothed out a little in the auto industry, and seem to be on the upswing.

One thing that is becoming increasingly more popular, and I believe has had a significant effect on this upswing is leasing. I'd like to share some knowledge with you and offer my experience. I am an advocate for auto leasing; however, I understand it's not for everyone. So keep an open mind, if it's not for you than at least you can make that decision with some knowledge in hand as opposed to listening to your uncle, buddy, co-worker, or the "know it all" who in reality knows nothing about the subject.

Lets talk about some obvious benefits. More times than not your payment on your new car will be less on a lease than it will on a finance. Your contract term will be shorter generally 24, 36, 48 months on a lease vs. 60, 66, 72 months even 84 months on a finance. This requires a lot less of a commitment on your part and I recommend not going over a 36 month lease, anything more and it kind of defeats the purpose. So what's all this mean to you? Less out of your pocket, maybe a nicer car than you could normally afford, or a new car every 2 to 3 years. At the very least a few more options that many people would love to have had, if this had been explained up front and they were given the option.

From my experience people like to trade their cars before they are paid off. Well before they are paid off. The rule of thumb is 42 months on avg for most people. Thats when most people on average like or try to trade out of their car. They had a baby, they need better gas mileage, they want the newest model. What ever the reason many times they are unable to trade out. The problem is that they financed it for 72 months even 84 months and now owe more than what their car is worth. Automatically putting them in a bad position in their new car if the lender will even grant them a loan for more than what the new car is worth. Had they leased their car for 36 months they could have handed the car back at that point and got their new car just as they had hoped. The only difference is they would be in a great position in their new car instead of a bad one.

Lets assume you lease a car. After your 36 month term has matured you decide you've enjoyed the car and would like to keep it. What most people fail to realize you can finance the balance for another 36 months for nearly the same payment and at the end of that term the car is yours. You just bought the car and paid it off in a traditional 72 month finance term. The only difference is you had the option half way through to return the car just in case you wanted something different. AND, odds are your payments were probably a little less expensive.

Here are a few things to consider. Mileage. Many people think they drive too many miles to lease a car. Many leases are set up to allow 12,000 miles or 15,000 miles per year. If you drive more miles you can always purchase more miles up front usually for.15 cents per mile. Every mile you go past your mileage allotment you will be charged a fee per mile,.20 cents is the norm. Now there are two ways to look at this. You could be out of pocket.20 cents per mile or you could be out the depreciation of the extra miles and take that hit in your trade value. Seems to me I'd rather take the option of being capped at a.20 cent penalty vs. what an unsettling, unforgiving auto market can do. I'm implying that your car will depreciate regardless of the fact of you leasing it or financing it. A lease can protect you from an unkind market. Aside from just handing the car back or buying it, you can also trade it, or sell it. If the market is in your favor at that point, meaning if your car is worth more than your balance owed you get to keep the proceeds. How about that, none of the risk all of the benefits. For once you have options. There aren't a lot of differences between a lease or fiance. The sales price can still be negotiated. You can trade in your current car even if you owe money on it. You have the option depending on your situation to put money down or not to. You maintain your car the same way, you put insurance on it, repair it if you damage it. In a nut shell a lease isn't a bad thing. It's just a different way to buy a car. As I said before, it may not be your cup of tea, but maybe you have a few things to think about the next time your in the market to buy a car. In closing, remember every situation is different. A lease isn't always the way to go, but be sure to ask for a comparison between the two. Go with the option that makes the most sense for you.

Finance Course - The Best Way to Earn Money

Economics generally play an important role in our society, is actually the one of the most important things in our society, and fundamentally influences our life. It is crucial to know and learn on economics, because everybody in contemporary society has a specific function to play in order to help a firm economy. Fundamentally, economics and also finance are a specific study of the several aspects of the economic system which includes the capacity of the society in the creation of goods and services together with the consuming behaviors of the people. These kinds of elements determine the stability of an economic system in every nation.

Nowadays everyone knows the markets and its growing. The market stock is easily comprehensible and often offer you a number of goods and services to invest in. In contrast to capital markets, stock markets have better possibilities for income as well as high assets at the same period which helps the investors to take out money. Often people who invest in stock market are determined by the downward circumstances that denigrate the deal with value associated with stocks and shares. And also it is the traditional high enterprise and high incentive kind of market scenario, but only for some individuals. Several persons depend on different kind of courses to be able to know the stress of the industry.

Once you have learned the appropriate information and abilities you should try out in other markets such as: potential markets and also bonds in order to trade and share with more confidence. The bond marketplace can be relatively a low risk and return kind of market, however for starters and new traders it's excellent to obtain experience. Another market to start investing in is the mutual funds one.

Economics usually play an important component in society, it is the main part of it, and fundamentally has an effect on the daily life. It's really essential to have a good knowledge on economics, considering that everybody in our society has a function in order to help the economy. So you if you want to become a a professional in economics, you should follow the online Finance Course. This will help starters to learn all the tips that tells you when and where to invest.

How To Plan Your Finance At The Begining Of The Year

Some people are not sure how to save their money or how to properly pay their bills. They may be stuck in a cycle that involves a financial situation that never improves or gets worse. Knowing how to plan your finance at the beginning of the year, could be helpful. Starting a plan fresh at the start of a year could help someone see a starting point and work with the calender months ahead.

A person who wants to see a change in their finances over the year, may try a few things. They can grab a calender and sit down with a list of their debt, bills and income. It may be helpful to write everything down to have a clear visual. When lists have been compiled of possible income as well as money going out, it may be easier to see how funds can be better spent.

Knowing how much money is left over at the end of each month, could assist someone with saving it. People can try placing money in their bank account each and every week. Some people will view it as a bill only it ends up in a secure saving account. The automatic way that payment is made will help the numbers in the account climb.

A list of debt can help someone plan out how to pay off their bills and which one to tackle first. Some people may start with the highest bill or the lowest one. A set amount each month that can be placed on the bill may help it to get paid off in a quick amount of time.

Many people may have a certain item or trip that they would like to save for. There may be special ways to invest money or create a unique type of bank account that is designed for quick saving and spending. These ideas could have someone making an automatic withdrawal of funds every month into a special account. The interest rate may be higher and could prove to be helpful when someone is saving for something special. Keeping money aside for an important purchase could be helpful at the start of a new calender year.

It could also be helpful to talk with an investor at the beginning of a calender. They may be able to suggest some interesting ways to save even more money. Using clever tricks and ideas, they may be able lower interest rates and find extra ways to save costs on bills.

When there is no plan in place for someone's finances it can be easy to see the time slip by. Without a plan, money may be spent in ways that are not productive or healthy for a personal finance situation. Learning about how much money is spendable and how funds will be placed in other areas early, can ensure that a year is a productive one.

Knowing how to plan your finances at the beginning of the year, could take the help of some professionals. An accountant or a banker may be able to express some helpful tips and ideas. The right custom plan can turn a person's money situation into a valuable one at the end of the term.

Finance Curriculum Explained

Whether you're planning on studying online or at a traditional college, it is important to have the finance curriculum explained before you choose to pursue a degree in finance. This is an excellent educational choice if you are planning on entering the professional worlds of corporate finance, financial planning, insurance, investment banking or some other related field. The curriculum in your course of studies should impart knowledge regarding savings, lending and other aspects of the science of funds management.

Finance curriculum is most concerned with budgeting, risk, spending and the passage of time as it impacts money markets. You can choose to specialize in business, personal or public finance. In any case, there are certain aspects of the curriculum that you can expect to cover during your undergraduate degree, regardless of the specialization you eventually go into. All finance students should be concerned with the fundamental financial management tools that are necessary to successfully analyze and execute a solid financial management plan.

If you specialize in business finance you will need to learn about business bank deposits, corporate lending and large-scale investing. Public finance revolves around governmental organizations, interest rates on loans and other aspects of the financial system that public institutions should be concerned with. Private finance is more concerned with paying for education, investing in a home, purchasing vehicles and other large ticket items, saving for retirement, protecting wealth, paying down debts and other individual concerns.

There are many options if you are going to get a degree in finance. You can get a bachelor's degree and study for the exams to advance your professional credentials with certifications such as the CFA (Chartered Financial Analyst), CMA (Certified Management Accountant) or CPA (Certified Public Accountant). You can then go straight to work and begin advancing your career, or you may choose to further your education and credentials with a master's degree or even a PhD, which be necessary if you are planning on teaching finance in the future. You can also choose to get your education at a traditional campus or through an online university. Many doors will open with a finance degree.

Choosing a Finance Degree Program

There are many different finance degree programs available which gives you different types of qualifications. Taking the right program will grant you better access to your dream job. Plus, knowing which program will help you decide on which finance degree schools you can consider. Basically, the type of program that you choose depends on your present education status as well as the career goals you hope to achieve.

In most careers in finance, one will require a minimum of a bachelor's degree, which is the undergraduate foundational study. With the bachelor's degree in finance, one will be educated on the use of complex numerical reasoning, detailed analysis, and technological skills. While students with a business or economic bachelor's degree can also pursue the finance line, having a bachelor in finance specifically focuses on finance, allowing students to access to more in-depth knowledge and skills in that area. This program can take up to four years to complete.

The MBA in finance is a popular choice of a graduate degree to pursue for career advancement into managerial positions. Some might also take this degree so that they will be able to learn other aspects of business as well, allowing them to make use of their available finance skills in those areas. On the other hand, the Master's degree of finance is a more narrowed degree, focusing on the advanced concepts in finance, and is suitable for those who are keen on specializing in the finance alone.

If you hope to pursue an academic career in teaching finance in university level, you can opt for a PhD in finance. While other degrees are more practical and career-oriented, the doctoral focuses on the more theoretical aspects like financial methods and concepts. During the years of study, you will need to conduct researches on topics that can evolve an industry, like financial modeling or financial management.

Once you have chosen which program that is suitable for you, complete the programs at the finance degree school of your choice, and you are off to a great start of your career.

Simple Personal Finance Management Tips

It is important that we start saving for a rainy day as early and as soon as possible. Personal finance management is essential in today's day. In today's capitalist society most people don't think twice about taking loans to buy unnecessary and expensive things. The recession however has woken up most people and scared them into learning to manage their finances. Because of the daunting nature of this task or because of insufficient knowledge most people never know how to effectively manage their finances.

Getting started

There are many steps to follow during personal finance management. These are some of the most essential ones you need to know to get you started.

Prepare your Budget

Preparing a budget will help you to curb overspending. Total your net income from all sources like work salary, any mutual funds, alimony, etc. Prepare a list of all your monthly expenditures and how much it is going to cost. These would include your bills, shopping and household budget, insurance premiums, etc. This is a great way to learn to adjust your expenses and create an estimate of your actual monthly expenses.

Saving

After preparing a budget the next thing you need to do is save money. Preparing a budget gives you an idea of where you overspend. Depending on your income, open a saving account and contribute a suitable percentage of it towards your account. This account should be used only in the case of emergencies.

Invest

Investing is a great way to earn a little extra income. The best place to invest is in the mutual fund of a reputed company. There is minimum risk involved when investing in mutual funds compared to other stocks. Further more you can leave the worrying caused as a result of volatile stock markets to experienced and professional fund managers.

Insure

Insurance is a great way to secure your future. It also reduces the risk of needing to empty out your saving account in the case of an emergency. You must at least take out insurance for your house, car and life. Choose a reputable company whose premium rates suit your income to avoid defaulting and wasting your money.

Tax Planning and Retirement Planning

Plan your tax so as to minimize the amount of your taxes. Reducing your income will bring down your taxable income. An easy way to do this is to contribute towards a retirement plan at work. As a result you can also plan for your retirement while planning your tax. You can also deduct your taxable income by donating to charity. State tax and mortgage interest will also deduct your taxable income. Having more dependents or getting married is another way to deduct your taxable income. You can also get tax credits for adopting children or college expenses.

Personal finance management gets more complicate every year; these simple tips are all you need to get started.

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Personal Finance - Easiest Way to Save Money

One of the worst terms for most of the people in the world is personal finance management. This is because, if one person is following the guidelines for finance management then he will not try to overspend the money that he earns. People who do not care about personal finances will suffer in the future as they may be pulled into a debt trap. These people will find it difficult to follow the principles of money management. They may also get confused with concept of managing their finance. Saving money from the monthly income will help you at any point in your life.

Most people think that the procedure of managing their personal finances is an impossible thing. This is not a true fact. Even though the principles of personal finance management are confusing, it is not as impossible as you may think. Finance management is a thing that is simple as you like, if you are following the correct guidelines. If you follow the procedure of personal finance options in your life, you can enjoy a life without debt and bankruptcy in the future. This may be no easy task.

You must transform your attitude towards the process of your money management first, if you want to follow it. If you are having a positive approach towards your finances, you can follow it smoothly for a long time. You will always think about making new strategies for financial security if you are changing your attitude towards it. Your interest in working out of the different strategies also increases. You can also make a budget of your own in order to avoid unwanted expenses. The personal finance organization also helps you to determine what budgeting plans that you should make. Therefore, try to save your money through finance management.

Looking for Ways To Finance a Franchise? There Is ...

You're there. You have made the decision. You're committed. You have timelines now. We're talking about your franchise finance decision and the next challenge you have in the franchise process - financing a franchise. How many ways to finance a franchise are there? Only one... the right way! And we'll show you how.

The ability to finance your franchise properly and satisfy the requirements of the franchisor without putting you overly in debt is what it's all about of course. And if you do it right then you of course have the potential to grow a business, profit from it, and build owner equity for either long term resale of personal financial gain. That's simply what it's all about, and boy does it help if you like what you are doing, at the same time taking on the entrepreneurship role in Canadian business.

The good news is that your are lucky, because franchising couldn't be any hotter or more popular. Franchises move goods and services in the billions in Canada, and you're now part of that movement.

But let's be realistic, whether it's a franchise investment of any other business start up the same critical needs apply relative to planning and financing.

Homework. Did you hate it in school? Well here it is again because we strongly suggest to clients that you are now in homework mode when determining how financing a franchise works. It's all about planning, which includes ensuring you have a profitable potential business on your hands, as well as understanding ways to finance a franchise in Canada.

Business plans are critical to your franchise investment. It's a case of demonstrating your business has both profit potential plus, and this is what interests the lender, that you have the ability to repay your debt and loans. The franchisor naturally is interested in long term success of the chain, and your ability to pay royalties as they become due, usually monthly.

When you address the franchise finance decision you must consider a number of items - they are as follows - what is the total all in cost, what methods are available to finance each part of the cost breakdown, and finally, and perhaps most importantly, how is the actual financing done.

The costs to assess in a franchise finance investment are as follows - the initial franchise fee, the cost of fixed assets or leaseholds to your business - i.e. equipment, signage, vehicles if required, etc. And finally, if you did all that and didn't address working capital for ongoing operations and growth then you are setting yourself up for failure.

Clients are always looking to us for a magic solution and a one stop finance strategy for their franchise investment. The closest we can come to that is the government BIL/CSBF loan, under which the majority of franchises are financing in Canada. You can successfully augment this strategy by equipment financing for a variety of assets as well as a small working capital loan, usually unsecured. Don't forget also that your own owner equity investment becomes the final piece of the puzzle.

And getting back to our business plan, ensure that you have covered off all the debt you need and that if reflects your ability to pay it back.

Financing a franchise. Challenging? Yes, we guess so. Possible? Of course. Speak to a trusted, credible and experienced Canadian business financing advisor with franchise experience who will help you navigate, successfully, the only way to finance your new business - the right way!

Manage Money, Analyze Risks for a Safe Future With ...

The opening up of the Indian economy has caused a boom in the capital market. A comparatively high disposable income and increased levels of awareness among Indians have enticed them to invest in the risk laden capital and finance markets. The investors look forward to expert advice from qualified professionals on a host of issues like tax planning, investment planning or simple information about which securities to buy or sell. The upsurge in the investments as well as number of investors in these markets has brought ample opportunities for finance and tax advisors. For tax saving investments, individual and companies rely on tax advisors that have increased job opportunities in this field.

The field of credit and securities is very vast. One can start a career in the field as an investment advisor if one has the flair for understanding the pulse of the market. Investment Advisors can find jobs in brokerage firms, securities firms, mutual and pension funds, investment banks, merchant banks etc. They can also start their own firms and render advice to buy side or sell side firms. Financial research is also a good option for an individual who wants to start an independent consultancy. After gaining relevant experience in the field, individuals can become senior financial associates or find finance assistant jobs in the corporate sector.

Credit analysts (or credit risk analysts) undertake risk assessment analysis of various types of lending proposals from the straightforward to the very complex for large amounts. Credit analyst jobs are available in plenty within the increasingly diverse financial services sector. Credit analysts can be employed in banks (commercial or investment banks) or credit rating agencies and investment companies. The remuneration initially is quite decent but increases manifolds with experience.

A finance assistant jobs is a very responsible and powerful figure in any company. His supervision is needed for budgetary decisions & planning, investment portfolios, accounting and devising strategies to generate revenue & cheaper source of finance for the organization. A finance manager is in great demand in the private sector organisations like financial institutions, banks and other trusts. He works in close collaboration with the Chief Financial Officer (CFO) of a company. CFO's job is to manage the flow of funds, budget planning, administration and accounting affairs of the company. Both the posts offer good pay packages but the duties and responsibilities are immense.

The preferred route for entering a finance and investment career is MBA. However, individuals with a Bachelor's / Masters degree in other streams can pursue various PG Diploma courses offered by many institutes after graduation. Many part time or full time Diploma courses like PG in Capital?Market and Financial Services, Securities Markets?Programme (SMP), PG Diploma in Securities Analysis & Trading, PG Diploma in Financial Planning, PG Diploma in Fundamentals of Capital Market Development, Certificate courses by BSE Training Institute, Mumbai and Diploma in Financial and Investment Planning are offered by various institutes.

Finance Advice for Women

Nowadays women earn enough to be able to spend, save and invest. But they also need some finance advice to manage their money wisely. Women want to settle their estates, develop their retirement plans, invest and save as much as possible in their individual circumstances.

At any age and having any social status you must aware your financial goals and know what is necessary to meet them. You may be at the beginning of your career, or planning to get married, or being married with children, or even preparing for retirement, but you should have financial goals to achieve.

There are several key points of personal finance advice for women that can help to manage their personal budget and avoid financial problems.

You should protect your money but take it slow to invest if you are not ready to let your money sit still for at least five years. Instead, you can protect your money from inflation in a savings account, or Certificates of Deposit (CD).

As for investment, it would be better for you to invest in mutual funds if you are not an expert in individual stocks or bonds. Consider index and target date funds. Review your investment mix yearly because those things that worked for you at 35 are not the same when you are 55, so it is vital to review your portfolio annually.

To save as much as possible, make a monthly budget and stick to it - this recommendation is absolutely general and effective. You should also try to avoid debts and limit your credit card use spending money only on essentials. Before you take a loan consider all the implications. Begin saving for your retirement right now and invest in a good pension plan annually because you are going to enjoy your comfortable retirement years.

You should read financial books, articles and reports to understand more about shares, mutual funds and bonds; study insurance schemes and health plans to make the right choice and have enough benefits. In all circumstances be active and wise and you will have no serious money problems in the future.

Supply Chain Finance & Reverse Factoring

Supply Chain Finance can also be known as Supplier Finance or Reverse Factoring. The term "supply chain" in this context is used to refer to the network of organisations and activities involved with producing, distributing and paying for goods and services provided by one or more suppliers to a single customer. For example a large company being supplied by numerous smaller businesses. "Supply Chain Finance" refers to the provision of finance to a number of supplier businesses, within a single supply chain, under one umbrella arrangement that has been initially set up by the customer at the top of the supply chain.

An example of Supply Chain Finance would be where a supermarket is purchasing products from a wide range of smaller suppliers. The supermarket will arrange a Supply Chain Financing agreement with a financier such that all of their suppliers have the option of accessing finance under the umbrella arrangement. This is often provided at competitive rates that reflect the size of the supermarkets business rather than the size of the individual supplier businesses. In this way, the suppliers benefit from the arrangement as they are able to access finance at much lower rates than they would typically be able to achieve in their own right.

Some arrangements may be as simple as funding the outstanding sales invoice to the supermarket or similar large business, but in some cases there may be other services bolted onto the arrangement to help improve the management of the entire supply process.

The Benefits of Supply Chain Finance
The benefits of Supply Chain Finance to the large business arranging it in respect of their suppliers is that they are able to enjoy credit periods from their suppliers. These are being funded at competitive rates that their individual suppliers may not have been able to achieve in their own right. This will encourage their suppliers to continue to provide that level of credit when they may not otherwise have been able to afford it.

The key benefit from the perspective of the suppliers within the arrangement is that they are able to access finance at rates that would normally be reserved for businesses that are much larger, for example, national or global supermarket chains.

In recent times we have seen a few examples of this type of arrangement being established by some major companies and these types of arrangements can be provided by a number of funders that also provide more traditional invoice finance and factoring facilities.

Alternative to Supply Chain Factoring & Reverse Factoring
However, a Supply Chain Finance or Reverse Factoring arrangement may not always be the right answer for a particular supplier as there can often be other issues that cause a supplier to seek a facility that is independent of their customer. An example might be not wishing their financing to be connected to their customer. The take up of a Supply Chain Finance arrangement may not be unanimous amongst the suppliers to a particular business and each situation needs to be reviewed on its own merits and compared with other options available independently within the market.

The Future
Although Supply Chain Finance appears to have taken off relatively slowly within the UK so far there are examples of new arrangements emerging and the product is likely to feature increasingly within the Invoice Finance market.

Glenn D. Blackman is a Director of Cashflow Acceleration Limited ( http://www.cashflow-acceleration.co.uk/ ), a firm of commercial finance brokers, established in 2003, that specialise in Factoring, Invoice Discounting, Trade Finance and Asset Finance. We offer a free, independent quotation search service and our consultant directors have nearly 50 years industry experience between them.

Understanding Car Finance

There are many different ways to buy a new car. Most people are set in their own way on how they're going to fund their next car purchase. For instance, some people are savers that are cash buyers and some people are not. In fact, 80 percent of people who buy a new car do so by taking advantage of some type of car finance deal.

If you've read those last few words - "some type of car finance deal" - and are nodding as you've taken your car out on finance but don't understand fully what different options are available, don't worry - not many people realise that the term car finance actually relates to many different kinds of car finance options. And it's having an understanding of each of them that ensures you can get the car you want for an affordable monthly payment, very often meaning that you can get a better car using car finance than you would have been able to afford had you bought it outright.

The three most popular types of car finance are car leasing, hire purchase and car loans. There are two types of car leasing products but the most popular is Personal Contract Purchase (PCP), a type of car finance that is very often simply called car leasing.

If you get a car on PCP, it means that you don't actually own it immediately and you lease it from a company for a specific period of time, which is generally between two and four years, but you have the option to buy the car at the end of the period for a price that you agreed up front. PCP can often enable you to afford a car that you may not have been able to had you used another form of car finance such as a car loan. This is because you don't have to pay for the full car at the outset. Therefore, your monthly repayments are greatly reduced. However, there are some drawbacks to PCP such as an annual limit on your mileage.

Next option is hire purchase, which is based on monthly repayments, but because you will own the car at the end of the agreement, your monthly payments will be higher than PCP and you'll also be expected in most cases to provide more money upfront.

Thirdly, there's a car loan that is in fact a personal loan. This is an option that can be used if need be, but it is the least popular with just 13 percent of car finance users opting for this product to fund their purchase. One reason for this is that loans are offered by lenders and as it is a personal loan they will have no security (they don't own the car) and for that reason in a tight credit market they are harder to obtain.

Using car finance might mean that you don't own the car outright straightaway, but having actual ownership of a car is something that can be less of a priority for some people than the ability to be driving around in a car that they can afford and want to drive. In fact, most people opted to use PCP for dealer finance in 2010. As with anything, no matter what your preferred option is, always compare prices before signing anything. When you compare prices make sure that you compare like with like such as the contract period, the mileage (if leasing) and the upfront payment.