Accounts Bookkeeping for Finance Accounts, Accountant Planning and Accounting Basics

Accounts bookkeeping is a wonderful skill to have should you wish at some stage to set up in business. The large proportion of workers that are currently being made redundant, are those most expected to be the ones that use their loss of employment to face something new and some are using their pay offs to do exactly that.If you have even just a little experience in finance accounts it will help to support you any type of business that you choose to pursue though even if you have a strong background in the sector or in a finance department. It does help to make some bookkeeping and accountant planning using the expertise of someone in the accountancy sector even just to bring a little less bias to the financial side

You can easily manage your expenses and income accounts, profits and losses and create an accounts report based on your companies accounts using your experiences no matter how little and those experiences can help you to establish a good business over your future years as your business succeeds.

The internet is a source of variety of accounts bookkeeping courses where you can study online in your own time. Such part time learning courses are available to help you whether you are self employed, running a small business with an employee or two or even medium business with team of staff. The business will require accountant planning, finance accounts and income accounts. Quick taster courses can provide good bookkeeping and accounting basics should you have a severe lack of time, though going one step further than a basic taster course as your companies accounts will reap the benefits in the longer term.

The accountant planning courses are now more often than not webbased which allows you to study from home, particularly good if you are focusing much of your time on your new business or indeed if you prefer not to travel away from family. Accounts bookkeeping courses nowadays are available for entirely different individuals, those looking for work within that exact field and those of us who are running a startup business and need the knowledge. It is worth researching with different colleges and universities the different accounting basics courses or finance accounts courses open for applications, of course it is important to choose a course that offers convenience for you as a business owner.

Its only natural that we mention freelance accounts bookkeeping as it has its own benefits again and perhaps this is the business that you yourself want to pursue. There are always openings in different industry sectors and a new business that covers accounting basics for small business that cannot employ their own accountant offers up a whole new challenge. People with knowledge in accounts bookkeeping and managing finance accounts are in great demand and their experience is very valuable. They are generally equipped with the accounts bookkeeping software for small business.

Your business could offer single service system to packages depending on the need and aims of a companies accounts record. Many companies that outsource their accounts activities will be strict with security and data and you need to make them aware of your own confidentiality clauses so that they know you are highly capable.

Accounts bookkeeping is core to any business and good accurate processes need to be put into place before you plan to grow your business. Such practises are beneficial for any business as it adds to its accounting asset so whether you plan to take on a business where you will conduct accounting basics alongside your normal work. If you choose to offer finance accounts to assist other small businesses then do your research and ensure that you put your good experience to use. As a bookkeeper working for businesses independently registration is required with HMRC under the money laundering rules.

Source by DIY Accounting

Different Jobs In The Finance And Banking Industries

Jobs in the finance industry are diverse and far reaching. Banking jobs have long been viewed as dull and uninteresting but this could not be further from the truth. With roles in financial planning, investment banking and real estate to name but a few, career paths in the finance industry are plentiful.

Commercial banking jobs are wide ranging, they offer great entry level positions and good career progression. The many large organisations in commercial banking also offer good employment security. Commercial banks provide employ more people than any other sector of the finance industry, they offer good opportunities to understand the world of business and interact with customers.

The world of corporate finance is wholly different as it usually entails working ‘in house’ using your technical knowledge to plan for a businesses future, the work is driven towards the growth of the business. Fundamentally jobs in this sector of the banking industry create value for their company, they are predominantly performance related so subsequently can be high pressure, although this pressure is elongated and based upon long term goals.

Financial planners carry out similar tasks to those in the corporate sphere; these jobs however are focussed upon helping individuals plan for their future. The work requires outstanding interpersonal skills while it can be ultimately rewarding; both financially and personally. For this role understanding of estate planning issues, investments and taxes is a prerequisite.

The field of insurance also offers a variety of finance jobs; insurance is increasingly becoming a lucrative field as more and more people become dependent upon it. Jobs in this sector include calculating risk and anticipating future problems. Job roles include underwriter, customer and sales representative, as well as asset manager. Today the insurance industry is trying to leave its negative image in the past and promote the idea that their industry is there to help people in times of need.

Investment banking has long been seen as the most lucrative sector in the financial industry. The job includes purchasing assets, trade securities and offering financial assistance. As well as large multinational investment banking firms there are smaller companies that operate on a more regional level. These jobs are important to world finance as the work larger companies undertake is often for governments.

Being a money manager is one of the most rewarding jobs in banking. It fundamentally involves the investment side of the stock market. Dealing in stocks and bonds makes up the majority of the work although freedom to work how you like is a large constituent of these jobs.

Unfortunately starting in money management is difficult, top companies only hire experienced individuals, although experience can be gained with local pension fund companies and insurance companies. Understanding portfolio theory, fixed income investments and gaining official qualifications will assist in getting this type of finance job.

Finally there is the financial field of real estate, jobs in this sector are diverse and vary from construction to mortgage brokering and leasing. With over a third of the world’s wealth tied up in real estate this is a financially rewarding sector to enter. The close ties real estate has with society in terms of infrastructure development gives these jobs a sense of social responsibility, while the work offers different challenges on a daily basis. Of all the jobs in banking this is often the most interesting field to enter.

As previously stated, jobs within the banking and financial industries vary greatly; with so many disparate fields there is much to offer prospective financiers. The skills needed in the banking industries are considerably unique to each field. However, if you feel you are shrewd with funds and in most cases great with people, working in the finance industry could be the career path for you.

Source by Thomas Pretty

Finance calculator

A finance calculator allows you as an individual to do many thing. Most important is that a finance calculator will allow you to make complex financial calculations regarding many various financial decisions in your life without having in depth financial knowledge. Many financial calculators are available in two forms. First, you can buy a finance calculator in a hand held unit and you can access finance calculators in an online format. Depending on your needs you will want to choose the calculator that meets your needs best.

If you are in a university program and you are taking finance programs you will most likely want to choose a finance calculator that is hand held and is easily transportable. A hand held finance calculator such as one made by Texas Instruments will allow you to make complex financial calculations with just a few push of buttons. There is no longer a need to draw out long and complex financial problems on paper because the finance calculator can do them for you with no thought at all. A finance calculator is also fairly inexpensive. You will pay a lot less for a finance calculator than you would for a graphing calculator making it a very smart choice for any finance professional or any finance student.

The second most popular type of finance calculators are those that are house completely online. You can find an online finance calculator that will allow you to compare mortgage interest rates, calculate how many years you can save on your mortgage by adding extra payments, calculate how much money you will need to retire, calculator how much money you will have in retirement based on how much you are currently saving and calculate how much your car loan will cost you in interest.

Online financial calculators are a wonderful invention because they are usually created for one specific purpose. This means that instead of having a “do it all” calculator you have the option of finding an online calculator that will answer your specific question and using it. These calculators simply ask you to input your data into the pre populated data fields and then the calculator does all of the math for you. If you do not feel comfortable making your own calculations or handling a hand held finance calculator then you should look into using an online financial calculator. Whichever type of finance calculator you choose you will not be disappointed.

Source by John

A Guide to Bad Credit Finance Options

You shouldn’t worry too much about bad credit finance options, because there are several financing options available regardless of your credit history… some of them charge higher interest rates or require some additional security, but in the end may be just what you’re looking for.

Vehicle financing

If you’re looking for a bad credit finance for a new or used vehicle, your best option is most likely going to be to visit a finance company as opposed to a traditional bank.

Some finance companies are more likely to offer bad credit finance options for vehicles than others, and the financing will usually depend upon the type of vehicle being financed, where the vehicle is being purchased from, and what sort of insurance and driving record you have.

Other factors that will be taken into consideration include your annual and monthly income, any cosigners that you might have for the loan, and any recommendations or referrals that you might have.

Home financing

Finding someone to offer you a bad credit finance for a house or other real estate can sometimes be tricky, but generally real estate shouldn’t be too difficult to finance.

Major factors in getting a mortgage lender to approve you for bad credit finance options include your income, any insurance that you will purchase for the house or real estate, the amount of a down payment that you’re willing to offer, and any references of former landlords that you can offer.

Mortgage lenders for bad credit finance loans can be found online, at finance companies, and at some real estate and property management services.

Other financing

Should you be seeking bad credit finance options for other items (such as collectibles or electronics), you might find your search to be a little more difficult.


Source by Jas

Why You Should Finance Investment Property Via Debt

Are you looking to get your feet wet in real estate but don’t know how to begin. If you ask the more creative and experienced of investors, they would suggest that you look for financial institutions that finance investment property. That is, the golden rule of real estate is to use other people’s money to leverage your investments.

Seasoned investors advise against investing scads of money on a single real estate asset, even if you have the funds to do it – simply because it is too risky a proposition. Moreover, you forego the benefits of leveraging.

Nowadays, several reputable lenders offer finance for up to 95% of the purchase price of the property. The most alluring feature of such schemes is that they cut back on your out of pocket costs when acquiring an investment property. Moreover, the finance is typically available in the shape of a single loan, which can be used to invest further in other properties.

The benefits of financing can be better understood with an example. Let’s assume that you purchase an investment property, without financing, for $150,000. If your expected yield from the property is 10%, then you would get returns of $15,000, which is a 10% return on your investment. On the other hand, if you get your property financed up to 95%, then you would effectively make the same profit on a mere investment of $7,500, which amounts to be an overwhelming 200% return on your investment.

Lenders that finance investment property up to 95% normally offer loans with a 15-year or 30-year term. These loans may either be fixed-rate or adjustable-rate. Lenders verify your credentials, such as your income source, savings and credit score, prior to offering finance. Though low credit scores are permissible by many financial institutions, a healthy credit score does help acquire finance at low interest rates.

While choosing a financial institution that will finance investment property, ensure that you are thorough with the terms of the finance agreement. Although financing your investment property seems like a profitable option, you may not be able to acquire finance for just about any property you desire. Reputable lenders offer finance for no more than 5 investment properties. And this too can be rather tough to accomplish. You need to be eloquent enough to persuade the lender into offering finance.

All in all, it is prudent to seek lenders that finance investment property. Financing empowers you to leap ahead in your real estate career at a rapid pace. It helps you augment your investment portfolio, which leads to significant profits in the long run.

Copyright © 2006 Joel Teo. All rights reserved.

Source by Joel Teo

Stock Market Limit Orders Explained

Investing in stocks and trading stocks is very easy now that it can all be done online without ever picking up the phone. But to do it right, you need to be aware of some of the different options you have. When you log into your online account to buy or sell a stock, you will be presented with a choice of what type of order you want to place. The standard options are “market”, “limit”, “stop”, and “stop limit”. Most of the time you will probably pick the “market” option as that just means you want to get the market price for your stock. In other words, you want to get whatever price is the going price at the moment you are placing the order.

There is the “limit” option that can be quite handy and a big time saver if you want to get more specific with your order. When you want to either buy or sell a stock at a specific price, that is when you will want to use the “limit” option. Let’s say as an example that you have 200 shares of XYZ Corp and you bought those shares at $10.00. Right now the price of the stock is $14.12 which means you have a gain of $4.12 per share but you were hoping the stock would go to $15.00 where you would then be happy to sell it.

The “limit” option is great for this type of situation. Rather than wait around all day monitoring the stock every 5 minutes to see if it is getting closer to $15, all you need to do is place a “limit” order to sell your stock at $15.00. That means, if the price of the stock ever hits the $15.00 price for that day, your order to sell will be automatically initiated and the sale will be made. On the other hand, if the stock never reach that $15.00 mark, nothing will happen and no sale will be made. You can then do the same thing the next day if you like.

A similar trading option can be done on the low side. If your stock is dropping and you want to make sure you get out at a certain price, you can place your order to sell if the stock goes down and hits that price. That way, you will protect yourself from losing more if your stock continues to drop. You will want to make this kind of trade when you are unsure what a stock is going to do but you want to make sure you get out at a predetermined point. If you set a price in your mind ahead of time as the point you want to sell, it can help prevent you from making rash decisions based on emotions. When the stock market drops it is sometimes easy to panic and sell based on fear alone and not rational thought.

Stock market investing is complicated for a beginner because of all the different terminology and options. Once you learn what everything means and start making some trades though, it is not as hard as you might think.

Source by Bruce Lipski

Los Angeles Homes For Sale

Get to Know the facts before you proceed. What you don’t know will be used against you. You will reap the benefits of resources utilized and knowledge gained. Knowledge combined with the all the tools and resources needed to make a decision .This article is published to help you in your search for Los Angeles Ca Homes For Sale, Los Angeles Ca Foreclosures.

In this market purchasing makes terrific sense. A prospective buyer will get great deals because of all the bank reo’s and homes available. Often the process of home buying can be an overwhelming experience. The initial step is to get pre qualified for a loan to establish what price range you should be searching . Then decide the city you are inclined for and set yourself up to receive property updates in your search parameters. City is a very important aspect of your home buying process. A prospective homeowner should be armed with all information regarding the neighborhood they plan to live in.

Some of the relevant aspects to be kept in mind are :

1. Demographics, economic indicators, schooling, neighborhood for Los Angeles Ca Homes For Sale, Los Angeles Ca Foreclosures :

Information on Los Angeles Ca Homes For Sale, Los Angeles Ca Foreclosures and all major California cities should be consulted before making a purchase decision. This guide specifically covers Home Buying for Los Angeles Ca Homes For Sale, Los Angeles Ca Foreclosures.

The estimated median household income in Los Angeles was $48,610 compared to $55,192 in Los Angeles county, $61,154 in California and $52,175 in the US. Median Age in Los Angeles was 33.9 yrs compared to 34.5 yrs in Los Angeles county, 34.7 yrs in California and 36.7 yrs in US. Use a provider who will give you instant access to the latest Economic Indicators,Neighborhood,Schooling ,Demographic Indicators all in one place.

2. Latest sale data for Los Angeles Ca Homes For Sale, Los Angeles Ca Foreclosures compared to the local market:

You need Sales Research reports on selected market areas .You need access to latest listings ,bank owned ,and research data for all major cities falling in and around the city you intend to buy publishes monthly reports on Los Angeles Ca Homes For Sale, Los Angeles Ca Foreclosures comparing units sold, median days on market ,sales price to list price ratio, months market inventory ,bank owned sold for all major cities falling in the markets we cover. You should read latest reports on the market you intend to buy in. has just completed the yearly report for Los Angeles Ca Homes For Sale, Los Angeles Ca Foreclosures . Current Median Sales price is at $548,708 reflecting a decline of 27.06% over last year in 2008. Median days on market changed from 60 in 2008 to 72 in 2009. The number of units sold in 2009 was 7652 reflecting an increase of 41.57% over 2008 . More detailed information of Los Angeles Ca Homes For Sale, Los Angeles Ca Foreclosures compared to nearby cities is available on the company website.

Los Angeles Ca Homes For Sale : Los Angeles Ca Foreclosures: Get Access to Latest Reports Now

3.Access to up to date listing and foreclosures for Los Angeles Ca Homes For Sale, Los Angeles Ca Foreclosures :

Sometimes even before competition comes to know about it.Check Out the complete market inventory through our large network of Real estate agents and instant MLS access for all major markets in California. Access to MLS listings and bank owned / pre foreclosure listings not yet in the market. Set up daily email notifications, save properties to your property organizer, map search .

Los Angeles Ca Foreclosures : Los Angeles Ca Homes For Sale : Access your desired city!!

4. Various funding options and a preapproval letter for your loan qualification :

Compare various lending guides for FHA, VA, USDA, 1/2% Down Loans, First Time Home Buyer Advantages, Compromised credit loans. offers an online Affordability Calculator.This is a Proprietary Instant PreQual Estimator. It matches your profile against various loan programs offered by lenders and instantly communicates the Prequalification amount and the Purchase price you are eligible for.

Los Angeles Ca Homes For Sale : Los Angeles Ca Foreclosures: CLICK to Access the Affordability Calculator

Source by Shaye P

Finance Jobs: Roles, Responsibilities and Qualifications

Financial managers are primarily responsible for decisions regarding costs, payroll, income, investments and mergers & acquisitions. This is the prime reason of them being the most valued professionals in every sector. However, the functions, positions and responsibilities that they perform or undertake are diverse and challenging, so while hiring for finance jobs recruiters look for individuals who demonstrate their worth as an individual who can perform under pressure and can take challenges head on.

Classification of Finance Mangers
The designation finance manager covers a wide-set of roles and responsibilities under this designation. The responsibilities and roles may depend upon your skills and key competencies in any of the domains of finance. While hiring for finance jobs, recruiters take into consideration your previous work experience and the functions that you have performed and are proficient at. The job title or designation may vary depending upon the organization’s management structure. Those who make a debut in finance jobs, are hired as finance executives and further go up earning designations such as; finance officers, controllers or treasurers.

Specific Duties

  • The primary task that a finance manager performs is to foresee that all the operations in finance are being performed in compliance to the commerce and tax laws.

  • Manages accounting, business and transactional records of the organization 

  • Analyzes costs and expenditure to suggest methods or practices, in a way possible to help a business become more profitable.

  • Prepares future growth plans with the availability of finance and can apply leverage to the company by short term or long term plans.

  • Prepares annual reports for the purpose of filing taxes and to determine the annual profits and losses of every quarter. 

  • Recommends management on matters such as feasibility of a merger and acquisition.

Education qualifications required for finance jobs
As a finance professional, as mentioned earlier you need to posses a sound knowledge of subjects like accounting, economics and commerce laws. A bachelor’s degree is the minimum requirement for finance jobs, however certifications like chartered accountancy, financial analyst or planner, cost and work accounts will enable you to apply for role specific positions like that of a financial accountant which indeed offer high remuneration and better growth prospects. These certifications may or may not be of significant while applying for finance jobs, all you need to posses a thorough knowledge of the subjects mentioned above, rest assured you will hone your skills as a finance professional while on the job.

Source by yash negi

Online Business Degrees for Success

American employers are increasingly turning to job candidates who have solid business training to help build profitability in a competitive landscape. Even government agencies are looking for candidates who hold business degrees. If you’re looking to develop keen skills and instincts, online business degree programs can help you write your own ticket to a rewarding career.

The advantages of pursuing an online business degree are exceptional: you can dovetail your learning with your existing work and family life without compromising them. All you need is Internet access, the drive to succeed, and you’re on your way. Some employers may even pay full or partial tuition for employees attending an online business school.

Business Degrees and Careers
For those just entering the professions, an undergraduate online business degree in finance, or accounting can help launch your career. Classes for two- and four-year programs are available 24/7 from your desktop. Gaining a general, thorough understanding of business practices, principles, and software can make you an attractive candidate in most every industry.

You may even choose to specialize in emerging fields of eCommerce, international trade, global management, entrepreneurship, consulting, and change management, pursuing a graduate degree or online MBA that prepares you for organizational leadership.

Management analysts and personal financial advisors are among the fastest-growing career groups in the nation. The U.S. Bureau of Labor Statistics (BLS) predicts that new jobs for personal finance advisors should grow by an astounding 37 percent during the 2006-2016 decade, with positions for management analysts rising by 22 percent. Both positions have high earnings upsides, but do require post-graduate training.

Thriving in Sales or Marketing
You can also profit from online business school training if you’re planning on entering the sales or marketing verticals. You can earn an online business degree with a concentration in sales. The BLS reports that sales managers who combine a degree with key experience took home a median salary of $94,910 in 2007.

Marketing managers should find a healthy 12 percent growth in jobs between 2006 and 2016, according to the BLS. Jobs for graduates can be found in finance, banking, manufacturing, healthcare, and the tech sector. In 2007, marketing managers earned a median income of $104,000.

Business Degrees: Other Fields to Pursue
You can also pursue online specializations in human resource management, working as a recruiting or benefits specialist in the corporate or government sector–or work as an independent head-hunter and consultant. The BLS predicts a 17 percent increase in jobs for HR professionals between 2006 and 2016. You can get started in the field with as little as an associate’s degree, although most companies are looking for bachelor’s or MBA degrees.

Business training can improve your value in the workplace as well as prepare you for working as an independent, opening your own small business, or partnering with another entrepreneur. If you’re already working in a niche career, adding online business training can help you advance within the company.

Source by Kelli Smith