As we all know that the finance industry is one of the oldest industries in the world. People have been dealing with payment management since the first communication between tribes started. However, with a constant change in the human society, the ways of dealing with money have also transformed. This has also resulted in numerous interesting processes for us to observe and obstacles to overcome in the finance industry. Therefore, students writing a dissertation on finance will have to do an in-depth research on a variety of topics, as there are numerous topics in finance to choose from.
As a student, it can be challenging to choose a direction in which you want to take your paper. If you are facing difficulties with that right now, then you must remember a few important things about finance dissertation topics. The first thing that you have to make sure that you like the topic on which you are planning to write content. You have to spend a lot of time in researching all the aspects pertaining to the topic to make sure that you get all the information. Furthermore, you have to ensure that you don’t get bored doing the work.
You can also take the help of an expert to comment on your ideas, since an expert was in this sphere for a long period of time. Getting the expert’s approval will get you on the right track. You have to pick a topic that has an adequate amount of data on it. The content written by you will have defined volume requirements, which are definitely more than a few dozen of pages. You have to be selective while searching for the right topic, which can help in making your research stand out. If you are looking for an expert who can help you out with finance dissertation, then the first thing you have to check is the credentials of the expert.
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My family has a vacation scheduled for the end of the summer, and my daughter is beyond excited. About a month ago, her grandmother gave her a dollar to spend while we’re there, which has raised the stakes considerably.
I have trouble finding words to describe her devotion to this dollar. We talk about purchases, have taught her to identify coins and bills, and save money in a change jar; all with the goal of teaching her about money. But if I offered her a $100 in exchange for her precious dollar bill, she would turn me down flat.
Cash vs. Money
The saga of that dollar brings to mind a long-held belief regarding teaching children about money. Identifying and counting cash are important, but they are essentially math skills. Learning the mathematics of cash is not the same as learning about money. It does not teach a young child what it means to manage a resource that is finite, or to be thoughtful in making choices that preclude other, potentially more attractive, options.
There are very few “stand alone” lessons in life, I’ve found. Which is how two of my most desperate parenting moments spawned some of my best money lessons thus far.
Desperate parenting moment #1: Newborn-level sleep deprivation
When my daughter was 3, she discovered that she could have company in the middle of the night if she kept waking her parents. Six to eight times a night. For over three months. Fortunately, she also discovered chewing gum around the same time. It took longer than it should have for me to think of it, but I finally made a chart and started giving her a sticker for each night she only woke me up once. Three stickers, a piece of gum, and voila! Problem solved.
After a few pieces of gum, I began to worry about the damage to her teeth. So we upped the ante. Three stickers for a piece of gum, or she could wait, save up five stickers, and earn a trip to the indoor play park down the road. Dental disaster averted.
Desperate parenting moment #2: Confronting the consequences of one’s previously inadequate parenting
Like many children, my daughter loves stuffed animals. She particularly likes them on her bed, and she doesn’t like to leave anyone out. Having failed to nip this trend in the bud, we were faced with its inevitable consequence: a toddler bed obscured by mountains of artificial fur and fluff.
In an effort to stem the bed’s growing population, we began allowing her to use the stuffed animals on her bed to “purchase” other things she wanted. A toy at the store? Sure. That will be one large, or two small stuffed animals. A few more minutes to play at bedtime? You get the picture.
The inanimate population of my daughter’s bed now hovers around a relatively reasonable five. The addition of another animal is contingent upon ousting an incumbent. (The alacrity with which my daughter switched from wailing heartbreak over the loss of her beloved “friends” to pragmatic calculation of their relative value has me straddling the fence between pride and a sort of horrified fascination.)
Reinforcing fundamental skills
Obviously, I wasn’t trying to teach my daughter about money with sticker charts and toy currency. But that’s sort of the point. Children do not generally confine their learning to things we are trying to teach. They learn all the time, and many of the lessons they absorb have application well beyond the immediate situation.
Recognizing that five gets you more than three, planning for a greater reward, and delaying gratification are essential to the responsible management of money. Each involves informed, conscious choices, which is money management at its foundation. So when it comes to teaching your kids about money, worry less about whether they recognize a $5 bill at the age of 3, and focus on building the skills they’ll need to make responsible decisions and build wealth.
A number of factors can soon conspire that result in you having various debts to pay off each month, from credit cards, loan repayments and even paying back friends and family for borrowed finances. If you’re someone who uses a credit card regularly and has at least one other outstanding loan repayment then a consolidation loan could be helpful.
Depending on the amount you owe, and your current financial situation, a consolidation loan is not always beneficial. However, if you can identify with the following it is worth considering to improve your situation.
Easier to Manage Debts
It can be hard keeping track of all the repayments you have, especially when they have to be made at different dates. Missing one can lead to additional costs on top, so putting them all together into one loan reduces this risk and makes it simple to see how much you owe each month. For the disorganised it can be extremely helpful.
A secured loan for consolidation from a company like Nemo Personal Finance ensure these multiple monthly repayments are put into one place. You will know the exact date an amount the payment will go out each month making it easier for you to manage your finances.* Remember, a Nemo loan is secured against your home so you must ensure you can afford the repayments.
Depending on how your debts are spread out, consolidating them all in one place under one interest rate could potentially cut down the amount of interest and therefore the total you will have to pay back. If some of your payments are currently attached to high interest rates or if the total interest is staggering then a consolidation loan should help.
Improved Credit Rating
Placing all your payments in one consolidation loan means you can close every other credit card and loan accounts immediately. This should greatly improve your credit rating as it helps you get on top of your financial situation and proves you are in control of them, which will be helpful in the future. You should also cut up any credit cards and cancel accounts with overdrafts to prevent against overspending again.
*Please be aware that the APR on your new loan with Nemo may be higher than the APR on the credit you are settling and may cost more over the course of the loan.
You’re at work, whistling a jaunty tune and wandering your office with a hop and a skip. Little do you know what dangers are lurking around your seemingly banal workplace.
But even the dullest setting can be rife with dangers. A strewn wire here or a faulty electrical socket there can turn a benign office into a place with more dangers than the Australian Outback.
As you wander without a care in the world, you suddenly trip over a wire on the ground, fly into a wall and smack your head with the impact of a sledgehammer pummelling a watermelon.
You lie back and feel concussion wash over you – and you’re not the only person who’s suffered such a fate.
According to government statistics, more than 78,000 injuries happen in workplaces every year – and 133 of these mishaps prove fatal.
There are, however, numerous ways your business can make itself safer. Here are just a few.
Contact the pros
You might believe you’ve got everything under control when it comes to keeping your workplace safe. But that will all change as soon as broken legs and ligaments are abound on the shop floor.
You’ve got to nip these dangers in the bud if you want to avoid a nasty claims process. So why not call in a few people who know exactly where the danger hotspots will be on your premises?
Accident claim specialists, like those at Claim4, can help you hunt down any dodgy sections of your workplace. After all, why not fix your danger zones before your accident prone employees happen upon them?
Sweep your workplace regularly and you’ll save tons of cash in the long run.
Listen and learn
While you parade around in your managerial ivory tower, your staff are hacking away at the coalface and figuring out every nook and cranny of your work premises. As you look out over these busy bees, why don’t you pay attention when they buzz in your ear?
Set up an open door policy where members of staff can come to your office and tell you about problems they might have. And if they alert you to any major safety issues, act on them at once.
As a boss, you should be all-ears – listening to your employees will save you a whole lot of bother.
Keep it regular
Your machinery is sputtering like a Victorian contraption, and your floors have more potholes than a golf course with a gopher infestation. But if you don’t keep on top of them, your workplace will become a death trap.
Check the nick of your workplace at every opportunity, and encourage employees to do the same. Your reputation as a safe and trustworthy employee hangs in the balance.
If the company you work for offers group life insurance, be sure to take advantage of this great benefit. Employers are not required to offer life insurance, so if yours does be sure to count your blessings. While having group life insurance is a nice bonus, it would be wise to consider purchasing additional life insurance on yourself.
Employer-sponsored group life insurance policies are different than individual life insurance plans in these ways:
- There are no medical exams
- They are designed one-size-fits-all
- They have less individual coverage
- They are only in affect while you work for that company
To purchase an individual life insurance policy, you typically need to undergo a medical exam. The life insurance company uses your exam results as one of the determinants of how much your policy premiums will be. The healthier you are, the more inexpensive your premiums. If you are purchasing additional employer-sponsored life insurance beyond the 50,000 that most employers provide, compare these insurance costs to individual plans. You can see these individual life costs by getting a free term life insurance quote. You may be pleasantly surprised.
Employer-sponsored group plans offer the same amount of coverage at the same rate, regardless of the individual’s health. This may sound ideal, and it is a great employer benefit, but there are a few problems with relying solely on your company’s life insurance plan.
Did you ever buy something that claims to be one-size-fits-all only to discover it definitely does not fit all? Employer-sponsored life insurance plans are designed to cover a large group and are planned as a one-size-fits-all package. They may not include any life insurance policy riders that would benefit you and your loved ones such as child riders, spousal riders, long-term care riders, or accelerated death benefit riders. A great benefit of having individual life insurance is how customizable it is for your unique situation. Life insurance through your work does not take your individual situation into consideration.
Most employer-sponsored life insurance plans only pay for coverage that is one to two times your salary. While this extra amount is helpful to your loved ones if you died, it will not last much more than a year or two. The standard recommendation of life insurance coverage is 10 times your annual salary; this is not the perfect number for every family, but employer-sponsored plans do not come close to this coverage amount.
Many people don’t realize that you can only collect on your group life insurance policy if it’s in force and you are employed with that company when you die. However, if you get sick or injured and are in the hospital long before you pass away chances are that you were terminated from the company. Many employer benefits contracts state that they will discontinue your benefits (including your life insurance policy) and terminate your employment if you are not able to make it to work after a month or so. Not only are your loved ones emotionally and physically devastated from your death, but they then find out you no longer have a life insurance plan in place and are also financially impacted.
Let’s say you were diagnosed with cancer and were in the hospital for a long period of time, but fought it and survived. You can rejoice that you are still alive to be with your loved ones, but your employment was still terminated. You now have to look for a new job. Maybe the next employer doesn’t offer life insurance. In this case, you will have to shop for life insurance on your own but now have a pre-existing condition which means life insurance may now be much more expensive or even unavailable.
Another situation when relying solely on your group life insurance policy could go wrong is if you are laid-off or if the company goes out of business. Say you are 55 years old and never purchased individual life insurance because you thought you were safe having it only through your employer. If the company goes out of business or starts laying people off, you are now 55 and have no life insurance. Your health and age play a huge role in determining the price of life insurance. The last thing you need to worry about as you get closer to retirement age is trying to find affordable life insurance. Again, your age and health play a big role in purchasing life insurance, so the sooner you buy life insurance the cheaper it will be.
Life insurance is a lot more affordable than most people think. According to LIMRA, consumers overestimate the cost of life insurance by nearly three times. Term life insurance is the most affordable way to protect your loved ones financially should something happen to you.
Example: A 30-year old non-smoking male can pay as little as $35 a month for a 30-year term policy with $500,000 worth of life insurance coverage to protect his family’s standard of living in case something unexpected happened to him.
Life insurance should be included in most financial plans. No one ever anticipates needing to use life insurance, but the unexpected happens. Make sure your loved ones are protected from financial disaster by being prepared. You can see how little it would cost you by getting a free and anonymous term life insurance quote today. This is one thing that you may wish you didn’t put off until tomorrow.
photo credit: Pictures of Money
Binary options underline the same classic type of trading adventure, yet they are limited. You are not allowed to adjust the trading times as you wish or according to trends and news. Instead, you need to decide on this time frame upfront. Practically, you need to determine the asset growth or fall over a specific duration of time. It looks easy, but quick trading binary options can actually get complicated. In the attempt to achieve any solid results, you do need to waste some time and learn about this option. Sooner or later, you will realize that all the time wasted to learn about quick trading binary options or to play on demo accounts will pay off.
Quick trading – perfect world?
There is no such thing as an accurate or perfect formula to teach you what quick trading binary options means, not to mention about doing it efficiently. If there was, everyone would be rich today, while most brokers would actually be broke. But then, there are some valuable lessons that can open some doors. Discovering strategies and techniques is up to you while you use a demo account. Meanwhile, you have to learn some hints upfront. Studying these lessons will save you time. You will eventually discover them yourself, but it takes practice and failed attempts to do it yourself.
As a general rule of thumb, selecting the right broker is a main necessity. The broker must be reliable and friendly. There are hundreds of them out there. Some of them have a top notch reputation, while others have low initial deposits. It is up to you to choose one, but then, do not exaggerate with the initial deposit. If it is too big for what you can afford to lose, just look elsewhere. A broker must be good for a beginner, but also meet your requirements. Apart from the financial part, requirements also imply having the right assets. If you are familiar with one or two assets in particular, you need a broker who can provide access to them. Otherwise, you risk losing money.
Sportsbook on financial assets
From some points of view, quick trading binary options is like placing sports bets. You try to predict a “score” over a specific period of time. The only difference is that you are responsible for choosing the time frame. Just like in the sports world, setting limits on your quick trading binary experience is mandatory. It is highly recommended to spend at least a few weeks trying new ideas and techniques on a demo account. Most binary options brokers will offer a demo – we tested Bank Invest this morning.
Of course, demonstrative trading is far from doing it with real money – your money. When you use your money, you will actually win or lose it. This is why setting some limits is so important. Risking the whole balance or focusing on one single position is not always the smartest idea, despite the tempting payout rates in quick trading binary options.
Just make a quick decision about how much money you can afford to lose. Make it quick. Thinking too much and changing your mind too often will confuse you. Keep in mind that successful traders rarely reach to 10%. Most of them go up to 5% of their balance or even less. As a newbie, it is a good idea to follow the same trend. As you complete trades and figure what works and what does not, you will inevitably gain more experience. Confidence kicks in too, only to add to your earnings.
From a completely different point of view, emotions might become your worst enemies in quick trading binary options. It is easy to realize why. Emotions are good in your personal life, but this is pretty much it. Every newbie makes this mistake and allows emotions to make decisions for them. They end up leading the way. You lose a small percentage of your money and your emotions tell you that you need to recover it. Although every trader loses money every once in a while, impulsive trading is the last thing to do. You push for more and more, so you lose. Thank your emotions for that.
Instead, quick trading binary options is mostly about analyzing news, trends and economics. You require some complex math skills, as well as the possibility to understand the direction of you global markets. Things like good feelings and luck are out of discussion. As a newbie, you might base you quick trading binary options experience on these things, yet professionals know that they do not exist. Making money in this industry is all about your skills, education and ability to research news accordingly.
If you are having a bad day and you seem to lose money, it might be wise to just quit trading for the respective day. You may no longer think clearly, so you will probably make mistakes the next day. The same rule applies if you end up winning. Winning in quick trading binary options may fill your body with too much enthusiasm and that is when you start making mistakes. Once again, shut your computer off and go out. It has been a good day, so avoid ruining it with emotion based decisions.