Category Archives: Financial Plan

Financial Prosperity God’s Way

Financial Prosperity

Like so many people on the internet I have tried a number of ways of making “big” money on the web and yes, I have made at least one bad investment. There is more than one money making formula out there. Some formulas are good and some not so good. God knows more than a little about financial prosperity and He desires the Christian to prosper. However, God wants the Christian to prosper His way.

Formula to a Relationship

God desires that instead of looking to a formula, the Christian should look to Him and not to a formula. God wants you to shift your allegiance from a money making formula to a deep relationship with Him and then you will prosper the best way. Are you seeking to know God intimately and have a deep relationship with Him? He says in Matthew 6:33, “But seek ye first the kingdom of God, and His righteousness; and all these things shall be added unto you.”

The Financial Prosperity Revelation

God gave me a revelation of Matthew 6:33 and showed me if I would seek Him and put His agenda first place in my life then my prosperity would be manifested. Seeking God is the best investment in your destiny.

In Hebrews 11:6b He states, “He is a rewarder of them that diligently seek him.”

“Delight thyself also in the Lord; and he shall give thee the desires of thine heart” (Psalm 37:4 KJV).

Serve God or Money?

Remember what is stated in Matthew 6:24 of the Living Bible, “You cannot serve two masters: God and money. For you will hate one and love the other, or else the other way around.”

Seek and love God with all your heart and get involved with His program. Good investment. He has just the formula for your success: a deep relationship with Him which will unfold the glorious destiny He has for your life. And that destiny does include prosperity.

But what if you refuse to do the will of God? Here is your answer: “Not every one that saith unto me, Lord, Lord, shall enter into the kingdom of heaven; but he that doeth the will of my Father which is in heaven” (Matthew 7:21 KJV).

Like a closer walk with God?

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The Accounting And Finance Bsc Degree At The University Of Southampton

The Accounting and Finance BSc degree course is designed so that you will study the core concepts and methods of financial accounting and management accounting across all three years, supplemented by appropriate topics from the field of finance.

In year one and year two of this Accounting and Finance BSc, you will study a range of subjects that provide support for more advanced study in the final year.

You will be given a range of options to help you acquire the understanding of modern theories and empirical evidence relating to accounting.

The anticipated destination of Accounting and Finance BSc graduates is management roles in a wide range of private, public and third sector organisations (including social enterprises), particularly the most innovative students.

A small number of Accounting and Finance BSc students may form their own businesses on graduation, or within a few years of graduating.

However, the intent of the programme is not to encourage too-early business formation, but to develop wider enterprising competencies that will enable employability in a range of organisations.

Understanding better quality venture creation should be the result for students who choose this Accounting and Finance BSc degree course.
Understanding better quality venture creation should be the result for students who choose this Accounting and Finance BSc degree course.

The University of Southamptons Management School has an enviable record for producing high-calibre graduates who move quickly into good careers soon after finishing their studies.

The latest survey of Management School graduates showed that 89% were employed or undertaking further study six months after graduating.

Employers value the quality of our programmes and recognise the skills of our graduates. Many of our graduates go on to professional training and graduate management schemes, while others begin careers in management, accounting, finance or banking.

To discover more information about the Finance and Accounting degree course at the University of Southampton, simply visit the Management Schools website at www.southampton.ac.uk/management

Financial Advisors need to take their women client even more seriously

The society being a patriarchal or male dominating one, the women involvement in most of the matters especially finances is never considered to be significant enough. Instances are there when a couple approaches a financial advisor, the male partner seems to be enjoying all the attention and leading the discussion rather the female partner.

This precisely the reason a woman rarely is heard of trusting an advisor when it comes to planning the finances. The Attitude of an adviser

Most of the financial advisers do not even consider taking the opinion of a woman in the family even if he is approached by both the couples. According to him, she is still the same women who had little knowledge about the finance related issues.

The advisers still live in the old age era when women had no decision making power on financial issues.

They rarely encourage a woman client to express her opinion. They never seek for their availability to explain the financial planning of the entire family. When they present a plan to the client they don’t feel the necessity of including the woman of the family. Advisers find explaining two people about the same plan as wastage of time, giving preference to the male partner.

Even when they meet both the couples, the preference is always given to the opinion of the husband than the wife. As because she is silent on many occasions, it is taken for granted that she does not have much understanding of the issue.

The changing scenario

With more and more number of women obtaining higher degrees and getting involved with a professional life, they have an equal hold on the issues related to finances. She know well how much she earns, or the family earns, what are the expenditures and how much saving is needed for the future requirements. There are many who work in the Finance Departments and handle the affairs brilliantly. Today’s women whether she has a major in Mathematics or economics or not, has a fair knowledge of financial development happening in and around. She is completely aware of various Insurance Plans, the benefits, the premiums and the taxes which she or her family is supposed to pay.

Rosy Brown is Social Media Expert and a Technical Writer. She believes in sharing his experience and intellects through live discussion or/and write ups. In this article she has discussed about advisers, women, client, financial, planning.

Loan Modification Relieves Mortgage Payments

A homeowner who is unable to keep up on their monthly mortgage payments can apply for a refinance, but if they are behind on their payments they may be turned down. Loans that carry a low interest rate are appealing to every homeowner, but not everyone who is buying a house can qualify for refinancing. The banks take into consideration the amount of equity in a home as well as calculating the mortgage insurance that is required on a conventional FHA loan. Although interest rates are low there a lot of owners who do not qualify for the refinancing options that can make paying their mortgage easier each month. An option that is open to many homeowners however is a modification to the existing loan. Through a lawyer a Las Vegas loan modification provides an alternative to refinancing that makes it easier to manage the mortgage payments.

An Alternative to Refinancing

A modification that is negotiated through a lawyer allows a homeowner to reduce their interest rate or extend the term of their mortgage contract. The result is a lower monthly house payment that makes it easier to manage all of the household expenses. Owners who have been in the same house for some time, but who have lost their equity due to the housing market collapse may be able to modify their loan by extending the term of the loan back out to 30 years. The balance that remains on the original loan is spread out over a longer term which allows the bank to lower the monthly payment. Interest rates that have dropped substantially over the past five years also allow an owner to adjust their current rate and see the savings that comes from paying less interest on their current loan. Because the banks are only willing to work with attorneys the only way to find debt relief is to contact a lawyer who can negotiate with the bank. Throughout Las Vegas, loan modification lawyers are helping people to manage their money by restructuring their mortgage without refinancing.

At The Schwartz Law Firm, our Las Vegas bankruptcy attorneys handle most types of bankruptcy filings on behalf of clients who are facing excessive debt, foreclosure, garnishment of wages or the failure of a small business. For Las Vegas, loan modification, contact us today! ()

Finance A Franchise For Subway

When it comes to buy a Subway Franchise, the first think which clicks in the mind is that how you will go to finance it?. Buying a Franchise or coming in the food chain business involves various things like setting up the restaurant, arranging for the shop fitters to fit out the shop accordingly, kitting it out with all the required catering equipment, fitting all the tables and chairs, and many more. That is the reason people usually look for a financer before buying a Subway Franchise. By having a handsome amount in their hand theyll be able to effectively budget their monthly outgoings through a monthly finance package to operate their business immediately with all the equipment they need.

Own a Subway Franchise only by going through the process of financing, as by doing this you are keeping your available capital in the bank, leaving it available for other important business expenditures. It will provide you liquid flow of cash to run the day-to-day business activities. You cant imagine how easily youll get back your return on investment easier by opting to tailored franchise finance package. It will benefit you by lending maximum money to your bank account each month on your lease agreement.

No one can deny the popularity of Subway, not because their unique chain of restaurants but for the quality they provide with mouth watering sandwiches. There is hardly any need to mention that their high profile advertising campaigns and their ongoing popularity and excellent menus are certainly attracting potential franchisees from all over the world. They all want to open their own Subway franchise and want to take a part in the active race to success. If you think about it you almost get it, enormous flexible finance packages on the market are available. It allows you to build in the franchise fee with all useful equipment that goes into the Subway restaurant.

Fulfill your desire to owe a business related of fast food industry by buying a subway franchise. This is the only platform where food have both moderate as well as healthy flavor

Premium Finance – Create Wealth And Retire Early

Hello, this is Lynette, a Relationship Manager from Premium Finance. I had the most delightful clients in the other day who wanted to go into an investment with their son and daughter -in-law, the motivation being that the son wanted to create wealth and retire early, not like Mum & Dad who were still working in their late fifties.They offered their home as security which was a lovely and generous offer however they didn’t understand the ramifications of doing this. The wanted to borrow the money from the bank in all their names and have a 25% share each in the investment.
The first issue I found was that Mum & Dad had very little superannuation and actually needed much more assistance then the young couple. If the four clients had of went ahead with their plans without seeking advise they would have held each other back in their attempt to create wealth. A bank will take the stand that even though the debt is in 4 names, they take it that each individual actually is responsible for 100% of the repayments on that debt. It is like the other 3 parties don’t exist. This would have resulted in all parties being liable for the debt and as a result each individual would have struggled on their income to obtain any more borrowings from the bank for future investment. This meant that they would have had only the one investment which would not have created the wealth they were seeking. The solution to the problem was that Mum & Dad did assist their son into an investment but in his and his wife’s name only. Mum & Dad also went into their own investment and are on target to do another investment in 6 months thus increasing their asset position and provide an income in retirement. Getting the right loan structure can be vitally important sometimes especially in this case and getting professional advise is a very wise move. Remember the Bank is not your friend and doesn’t have your best interests in mind – WE DO THOUGH !

Crown Financial Ministry Larry Burkett Program Leads The Path To Financial Freedom And A Total Money Makeover

The Crown Financial Ministry was founded in 1976 and is dedicated to equipping people around the world to learn, apply and teach Biblical financial principals. David Newby, author of Why Didnt Anyone Teach Me This? has learned these important financial fundamentals and continues teaching and educating individuals on Larry Burketts program for financial freedom.

These fundamental principals have been taught to more than 50 million people in over 80 nations since Crowns beginning. The Crown Financial Ministry provides a life-transforming message of how to faithfully live by Gods financial principals in all areas of life.

The Crown Financial Ministry is a Bible-based ministry with recognition of Gods ownership of all things as one of its core values. They also believe in the need to pray about everything and have a desire to serve others with excellence while teaching its principals so that all cultures and generations can easily understand.

With the current economic conditions, its never been more important to learn about Christian Stewardship and planning for a total money makeover. David Newby combines the fundamental principals of The Crown Financial Ministry with advanced financial techniques that will create financial security for anyone that is searching for a solution and a total money makeover.

Total spending for an individual or family should not be greater than their total income. If spending is greater, it is necessary to take a strong look at expenses and decrease spending while increasing income. The Crown Financial Ministry provides the direction needed to make changes and secure financial security. David Newby will provide guidance for as long as it takes to make a budget work and walks client through the steps to the security that can be achieved with a total money makeover.

The Crown Financial Ministry provides free tools on their website and helps build a budget which provides the path to debt elimination. David Newby can provide the tools and guidance to help anyone discover the wealth strategies of the ultra-rich and achieve financial freedom in seven years or less. Dreams can come alive as you discover the keys to creating wealth and implement them in your personal finances.

The Reason Why You Need A Car Finance Broker

Car Finance and Broking

The abundance of available options today in the car finance market really makes it difficult for anyone to put their trust and money within reach of one. In the post-recession period, the market specially the investment and finance market remains to be struggling to cope up with the massive losses they incurred when the meltdown happened. After that, financing institutions and firms happen to have been a stricter with policies and regulations and that is what makes it even more difficult for individuals getting a car.

In the part of youngsters wanting to buy a car using their own money , they seem to be more helpless with the situation simply because that they lack any credit score to back them up. This is due to financial companies fear that they will not make it to pay the loans they grab as time passes. As you see, even those people who are already working or persons who have retired find it difficult to obtain a car finance if they will not hold a trusted credit sheet.

Come to think about the scenario if car finance brokers are not in the way. They are the who make everything in the car finance market simple for you in exchange for a commission as soon as the work has been done. This is any day far better than dealing with mounds of documentation with Greek terminologies in them and jargon which simply tangent off your head! Furthermore, car finance brokers ensures that you’ll never fall into the wrong company who unexpectedly changes rates after closing the deal with them.

Best things about Hiring A Car Finance Broker

– Helps save effort and time from attending long meetings and discussions with some other financial companies.

– No seeing the bank for help often.

– Let you rest assured that the option you select among the other options he present you with are of complete transparency.

– Any part of the documentation you’re uneasy with or do not understand will simply be made understandable to you.

– Helps you worry not get an ideal car finance even when you have no or bad credit score.

– Unlike from approaching car finance alone, you’ll never be rest assured that you will get the best among the best deals offered.

– The question of whether you will get a broker for your car finance or not all depends on you and also your money.

The world wide web is a good place in which you can start searching for a good car finance broker. Remember, the world wide web is today’s new marketplace. After you have a good car finance broker, just be sure you arrange a meeting with the representative and proceed with all your plans of buying the dream car that you always desired to!

How To Become A Certified Financial Divorce Specialist

If you often work with individuals who are going through divorce proceedings, then you may want to consider becoming a Certified Financial Divorce Specialist (CFDS). Having this credential shows that you have comprehensive information that will help clients explore their financial options related to a divorce agreement. Training for the CFDS will make you better at helping your clients find a better position of financial stability.

Topics Covered in the CFDS Certification
The CFDS training is designed to improve and increase your knowledge of the complexities of the financial problems that are related to divorce agreements. The more you know about the tax, financial, and legal complexities of divorces cases, the better you can provide support for your clients. Furthermore, the course contains guidance on your role as a professional CFDS.

Here is a brief summary of the topics covered by this training program:
Assessing and identifying assets including family home, property, and pensions to career assets and benefit plans.
Overview of the various legal proceedings, the role of a professional CFDS, and the different methods of settling a divorce case.
Identifying the tax problems from the impact of child support and alimony. Identifying the reporting requirements when selling and dividing the house.
Information about malpractice, ethics, and working with other professionals on the case.
How to present and prepare financial affidavits and other reports.

Training Format of CFDS
The CFDS training program is available online. When you order the certification training course, you can expect to receive everything you will need to complete the entire course from the comforts of your office or home. In addition, the package includes a blinder with around 500 pages of content covering the topics mentioned before and more. This foundational case material also combines questions and case studies to make the learning more realistic.

The Family Law Software program is also included in the package. This program helps calculate the financial impact of various options that are under consideration. For instance, you can use this software to determine what will happen to your client if she assumes credit card debt to keep the house. Part of the initial training package allows you five months of access to this program. After the initial five months are over, there will be a monthly fee that includes ongoing access to technical assistance and software updates.

It usually takes around three months to prepare properly for the online examination. After you have successfully completed the examination, you are required to finish a case study while using the Family Law Software. If you successfully complete this, then you will receive your certification.

Starting Your Certified Financial Divorce Specialist Career
A marketing package will come with your certification. This package will provide guidance on how to promote your skills and knowledge. There is a listing of networking opportunities, template for a press release, and other advice that can help you establish yourself in this market as a CFDS.

Mortgage Modification Companies – Are They Legit

Facing possible foreclosure is indeed a highly stressful situation for any homeowner; this is your home, your security, your future! Deciding to go it alone or have a mortgage modification company assist you can be very confusing and only adds to your stress! Which is best for you? Are there mortgage modification companies out there that are legitimate?

Let’s first look at going through the process on your own. Depending upon your lender there are many requirements that must be met to qualify for a mortgage modification. There are a lot of forms and crucial information that must be presented correctly and accurately if you hope to qualify. You can do the research required; you can contact your lender yourself as millions have and had very successful outcomes! The key here is to do your homework! Make sure you know exactly what your lender requires! Leaving out even one form or one piece of vital information could be the determining factor in qualifying and getting approved! If you are comfortable doing the research and filling out the forms and in dealing directly with your lender than you can certainly do this on your own!

If you don’t feel quite as confident and want help, it is available! There are legitimate mortgage modification companies that will walk you through the process and deal with your lender so you don’t have to. You do need to do some homework before choosing someone to assist you! There are some scams out there to be wary of! Mortgage modification companies will charge a fee that can be thousands of dollars. For many homeowners it is worth paying that fee for the security of knowing the company is dealing with the lender to get you the best possible modification loan. The choice is truly up to you! Make sure to investigate the mortgage modification companies prior to choosing one to work on your behalf.

You can also hire an attorney to help you with the loan modification process. Usually an attorney will charge more than the mortgage modification companies will because an attorney is on retainer. Keep in mind that you do not need an attorney for this process, again that is up to you!