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Finance and Accounting Job Tips!

Among the best graduate jobs in the UK are graduate Finance jobs and graduate jobs in Accounting. Commerce degree holders have a large pool of employment opportunities waiting for them. There are plenty of these graduate jobs that they can go out and hunt for. Whether they have taken up Mathematics, Economics, Accounting or Statistics in their universities or colleges, they have already revved up their chances of landing a job that will secure them a more or less stable financial status and a promising career.

Despite having a large option for employment, however, job seekers should acknowledge that the hunt for the best professional or graduate job in the UK is getting tougher and tougher. The number of qualified candidates is soaring, which makes the competition even fiercer. The key is for you to look for the right job for yourself where you can use your qualifications on the job and then later on advance to the kind of career you have always dreamed of.

The UK has the best graduate finance job opportunities. Those jobs are even found in some of the largest and most established financial companies all over the world – Bank of America, Capital One, Barclays Capital, Credit Suisse, Fidelity International and Edward Jones Limited, to name some.

The job openings from these companies vary. Below are some of the best graduate jobs in Banking and Finance in the UK, and their primary responsibilities:

1- Financial Managers – provide financial advise to clients;
2- Stockbrokers and Traders – on behalf of the clients, stockbrokers and traders invest on various financial products;
3- Corporate Treasurers – they are in charge or improving and maintaining the finances of the respective companies that they are working for;
4- Investment Bankers – they are financiers for different companies, institutions and even government agencies;
5- Commodity Brokers – they buy and sell physical commodities;
6- Investment Analysts – they do the research and they gather information on investment opportunities for the Fund Managers;
7- Investment Fund Managers – getting the information they need from the Investment Analysts, they then assist their clients and give them advise on where to invest their money.

Before applying for a graduate job in the UK, you must first spend a lot of time on research, gathering as much information as you can to find out which of these career options is the best for you. Take the time to review each job’s description and responsibilities in order to make you decide whether or not you are capable and willing to take the job. Chances are, there might be one or more of the job opportunities mentioned above that attracts you. If you are still undecided, you must try to asses yourself and your qualifications, and find out which one would be the best for you. If the excitement of buying and selling physical commodities attracts you, for example, then you might be picturing yourself as a Commodity Broker. Or, if you wish to help people invest their money, an Investment Fund Manager position is probably the best for you. There are more graduate banking and finance jobs in the UK that you can apply for. All you have to do is look.

A large number of graduates of Accountancy and Actuarial find themselves taking jobs in public accounting firms. These jobs are paid internships that give the employees a great chance of gaining good experiences by working with different local agencies and companies. After gaining as much experience as they can in the field, helping out clients prepare their taxes and file their tax refunds, most of these employees make their way to advance into higher or principal positions. In order to do that, however, they must acquire a Certified Public Accountant (CPA) license. However, the best accounting graduate job is still to become your own boss. A lot of Accounting graduates and CPA’s all over the world put up their own accounting firms after years of public service.

Do not allow yourself to get disheartened or confused when job hunting. Get your spirits up and take the whole race as a great learning experience. The options are endless for you and your fellow Commerce degree holders. The key to having the very best graduate job in the UK is looking for something that you imagine yourself doing. Ultimately, the decision is yours.

The Business Plan Is Essential To Finding Financing And Success Of A Small Business

A recent article from the NY Times reported that undercapitalization or the lack of cash is one of the main reasons that most small businesses fail in the first five (5) years so financing should be one of the main considerations the entrepreneur needs to address when entering the business world.

The report makes a depressing statement but you shouldn’t allow that deter you from starting your business if that is what you truly want to do.

One of the companies that we work with has recently been able to obtain a total of over three hundred thousand dollars by hustling and not getting discouraged. Yeah; even in this economy they were able to procure financing!

What are their secrets?

A good business plan and sound business practices are two of the things that have been essential in obtaining their financing. Using a good plan and sound business practices can catapult your business into the big league!

Please understand that my statement is not all hype and don’t think that they were able to waltz into one bank and get an approval for the financing they were trying to obtain. The truth is they made many visits to a lot of banks and received countless rejections.

The fact remains that banks are not gambling institutions and they will not gamble on a shaky business. You just need to convince them that you are not shaky and your business has a good future.

Bank financing for businesses has not completely disappeared! You can find and obtain financing if you are willing to persevere, have good business practices and are willing to deal with the necessary paperwork.

The first and most important step is to develop a good business plan. Don’t worry; there are many resources that are available to help in developing a sound business plan!

You should start by researching the information available at the Small Business Administration. They are a great resource for all businesses and you should use the information they offer.

They even have an online outline that you can follow to develop your plan. I believe that it takes about fifteen to twenty minutes to complete. You should take whatever time is necessary to get your plan established. The dividends are well worth whatever time it takes!

I recommend that you take the business planning process very seriously. The business plan is one of the most important assets you can have for your business. It gives you a blue-print that you can use to focus your efforts to achieve your goals and make your company successful.

The thing to remember when you establish your business plan is that you need to make it flexible. Times will change and opportunities will become available so you should make a date with yourself or your partners to periodically review and update your plan.

I hope this may have given you some food for thought and will help if you are trying to get some financial help with your business. There are sources that are available that can help you.

Plan your work and work your plan!

Finance and Its Affect on Real Estate Values

Financing goes through cycles similar to the real estate market. There are times in history, where if you literally had a pulse you got a loan. Actually there have been cases in recent history where dead people have actually gotten financing for homes. Also during lenient times real estate can be bought with no money down or very little. This essentially allows people to buy homes with no real risk, at least financially speaking they can’t lose their 20% down payment if they put down zero.

When loan requirements are limited or virtually nonexistent this has a significant impact on real estate values. What happens is values climb rapidly with no end in sight. The reason is simple since everyone can get a loan then the number of buyers looking for homes is basically endless. Even people who never could afford to buy a home can buy their dream homes. This happens due to banks making loans based on stated incomes and stated assets. Essentially the borrowers just say what they make and what they have with no proof. When anyone can get a loan to purchase a house then the demand for homes is much higher than the limited supply and values appreciate accordingly. This has happened numerous times in history. The most recent time period was 1995-2005, 10 consecutive years of rapid appreciation.

At some point the gravy train ends and values have climbed to historic levels never before seen. A significant number of buyers who have never should have gotten loans, like the dead people end up not being able to meet their loan requirements. When this happens and the banks start having large numbers of defaults on loans, the banks now decide to re-evaluate their lending requirements and tighten them out making it much harder for buyers to get loans. Banks also require much larger down payments then zero down. All these restrictions also make it much harder for home owners to refinance their current properties. During this time period of tightened requirements there are a far less number of buyers, a good estimate is about half of the prior buyer pool. Therefore when banks tighten loan requirements and the buyer pool essentially is cut in half then the demand for homes decreases dramatically and supply stays the same or in most cases increases. Values have no choice but to drop drastically, even faster than they appreciated.

The point is that current loan requirements and restriction have a significant impact on what direction the real estate market will head in the future and should be taken into consideration when making real estate decisions.