(29)Become a Certified Success in the World of Business and Finance..

By Zach Chouteau
There’s no denying that today’s business and finance sectors have become more competitive than ever. It has become critical for professionals to not only have the necessary skills to succeed, but the certification employers are looking for.
This challenging environment has always posed a potential problem for the busy professional trying to take a step up in the business world, or transition into another career in the sector. A full-time return to school to enhance their knowledge and credentials means leaving their current position behind -- and investing substantial time and money pursuing an additional degree.
For these individuals, Kaplan University’s online Business and Finance Sector programs may be the ultimate solution to reaching their goals. With deep roots in higher education that date back to 1937, and a flexible schedule that lets you study anytime, anyplace, Kaplan University’s certificates in Financial Planning, Risk Management, Project Management and Executive Coaching can be completed in as little as 12 months – without interfering with your job or disrupting your life.
“The fields of financial planning, project management, risk management, and executive coaching are experiencing exponential growth, providing a wealth of opportunities in the evolving business world,” said Kristina Belanger, Dean, Kaplan University’s School of Continuing and Professional Studies. “These rewarding occupations are leading choices for individuals seeking professional growth and diversity, and Kaplan University’s online, self-paced programs provide busy professionals with a flexible learning environment to gain competitive skills for more rapid career advancement.”
Financial planning, for starters, has been repeatedly described as among the most prestigious of modern professions – supported by statistics from the U.S. Department of Labor forecasting job increases of more than 34 percent by 2012. The same reliable source states an average annual salary of $79,990 for personal financial advisors in 2009. Not only that, but proven expertise in the field can allow you the option of either working for yourself or a world of high-end firms throughout the country.
To win the trust of potential employers or prospective clients in the business world, however, you’ll need applicable skills and proper certification. That’s where Kaplan University’s Certificate in Financial Planning comes in. The course teaches you all you need to know about analyzing a client’s financial situation – strengths, weaknesses, and how to best achieve their financial goals. From savvy tax management to smart investing to retirement planning, you’ll be steeped in all the crucial information necessary to be a certified financial planner.
Project management is another area where Kaplan University can help open doors to a variety of new career opportunities. Learning how to increase a company’s chances for maximum profits by optimizing time, money, and personnel, is a skill respected by organizations everywhere. From business to information technology to real estate and more, project managers may earn from $60,000 to $100,000 annually on average, with senior project managers holding yearly salaries ranging from $70,000 to $150,000.
As a Project Manager you’ll be respected in your industry as someone capable of leading important initiatives as you advance your career. You’ll be the one CEOs and company presidents turn to as a leader for their organization’s most critical undertakings. Perhaps best of all is the universal applicability of the knowledge and skills that Kaplan University can provide with this program – which can be put to use for the rest of your working life, regardless of the direction your career may take. If you hold at least an associate’s degree, and have an interest or background in such fields as business, human resources, accounting or finance, Kaplan University’s Certificate in Risk Management can help you earn from $66,000 to $110,000 annually. Risk control, loss prevention, and adhering to today’s stricter compliancy laws have made risk management an essential aspect of doing business in today’s corporate world. A Certificate in Risk Management from Kaplan University will give employers the confidence that you know your stuff inside and out.
Risk managers recognize and review an organization’s loss exposures including property, liability, personnel, and net income in order to promote growth through profit, continuous operation, and stable earnings. Kaplan University will teach you all this, plus other critical skills such as enterprise risk management (ERM) and creating risk management programs. You can then apply your knowledge and skills toward pursuing a top position with a number of companies, or entering the field as an independent consultant. Like Kaplan University’s other certificates, this program can be completed in as little as 12 months, learning at your own convenience.
Executive coaching is now a major growth industry. More and more businesses are employing executive coaches to instill leadership development among managers and executives to bolster an environment of ongoing organizational change. Executive coaches thoughtfully listen -- and ask the right questions -- to assess an individual’s attributes, needs, and coachability. Kaplan University’s Executive Coaching Certificate offers the necessary skills for observing, recognizing, and intervening for full business effectiveness. It can teach you to teach leaders to better comprehend organizational dynamics and to climb up the corporate ladder.
In a recent summary poll of executive coaches, 65 percent of respondents reported yearly compensation of $85,000 or more. Opportunities exist in a number of business environments, including corporations, non-profits, government offices, and independent consulting.
Whether you study financial planning, project management, risk management, or executive coaching, you’ll have the chance to expand your employment and career opportunities. Through developing your professional acumen and abilities you will be able to explore new job prospects with virtually any professional industry where business skills are valued. Should you choose to go into the market on your own, you’ll hold the certification and skills needed to win over prospective clients.
Perhaps best of all, Kaplan University online programs allow you the flexibility and convenience to quickly improve your skills and resume without compromising your current daily life. For the working professional striving to reach their career goals, this might be an ideal option.For more information about Kaplan University, visit or To read more of his articles and to learn more about online education visit or
Written by: Matt McAllister

(30)WBenefits of Personal Finance Software.

In this age of information, keeping track of your finances does not mean an archaic jumble of ledgers, calculators, and papers filled with calculations in chicken scratch. Now everything can be taken care of on your computer through personal finance software.
Personal Finance Software: Organize Your Finances
Your finances are complicated. You have money coming in and money going out. You have bills and investments as well as multiple bank accounts. Personal finance software will keep everything organized for you. Depending on the software you use, it may be able to separate portions of your finances into various categories for you. For example, Quicken 2009 separates your checking accounts from your savings accounts and allows you to track your investments all at the same time.
Organization saves time. Taking a few minutes to input your purchases and paychecks eliminates those hassles associated with staying on top of your finances. Rather than rifling though bank statements and bills for hours, everything is right here in the program. As long as you put each purchase and paycheck into the software, your checkbook will automatically be balanced. Some programs also feature functions that will create a budget for you; yet another time saver.
Personal Finance Software Knows Where Your Money Is
In order to keep more of the money you make, you must know where it is. Personal finance software gives you the power to know where each penny is at a glance. Some will even create reports for you that detail where your money goes each month. This feature will help you locate the leaks in your budget and reduce your expenses every month.
The overview personal finance software gives you is one of its main benefits. It allows you to take off the blinders and truly assess your financial situation. With this new-found view of your finances, you will be able to effect changes like never before. The old adage applies; you have to know where you are before you can get to where you want to be.

About The Author

Jon Martin is the webmaster of Your Personal Money Management, a site established to help you keep more of the money you make.
This article comes from the Home Financial Software section of the site.

Written by: Jon Martin

(31)Best Finance Guide..


Imagine you need to look great to get all the attention at the biggest party of the year. The cloak has already started ticking and you have got 7 days to fix yourself for the D-Day. If you can take out 15 to 30 minutes in the next few days, you can be ready for action.

Step 1:

Exercise: Start with skipping and jogging and chin-ups by hanging from a rod for warming up.

Two steps of crunches or sit-ups for strengthening and toning your abdominal muscles.

Then go for Flat bench press and dumbbell flyers for the entire chest area, focusing mainly on the inner chest and followed by 2 sets of push-ups.

Work on your trapezium for the collar muscle and shoulder pressing.

For biceps the exercise to be followed is standing barbell curl.

Next you can work out on your Triceps with Single dumbbell or French press and fore forearms.

Skipping will have an effect on your legs, other wise you can go for Squats and back with lat pull down.

Step 2:

Diets are just as important as exercise, because it is the most important part of getting the body you want. You have to eat good to look good. You need protein, and you don't need fat. Stay away from junk and fatty foods. Not all fat is bad; there is a healthy fat. This fat can be found in fish, Nuts and some oils. Have Lots of fibers such as leafy vegetables, salads and daily products.

Step 3: The results though wont come easily and they wont come very fast either, So Stay dedicated, motivated and consistent, and do all 3 steps correctly to get the desired result.

About the Author
Venkata Ramana is a Fitness Enthusiast and a Professional Body Builder. Visit his and websites and gain maximum Information to stay fit and healthy.

Written by: Venkata Ramana

:(32)Bridging Finance Basics.

Bridging finance is a short-term loan that is used as a way to provide funding for the purchase of a new property while the borrower awaits the sale of an existing property. Unless all the stars are in perfect alignment, it’s tricky to coordinate the sale of one property and the purchase of another property so that the transactions occur simultaneously.

Bridging finance or a “bridge loan” as it is more commonly referred to, makes such transactions possible. They keep the borrower from ending up in a dire financial situation as can happen when forced to pay two mortgages at the same time. Bridge loans can be used either for business or for personal reasons.Primarily short term in nature, the process for obtaining a bridge loan is similar to that of most types of loans. Most importantly, it’s advisable to work with a lender that has experience with this type of loan. Also, since the need for a bridge loan often arises with little advance notice, being pre-approved for such a loan is a good idea.

Bridge loans typically are structured as interest only loans meaning that the borrower pays only the interest on the loan each month. The borrower continues with this repayment plan until the property the loan is being used for is sold. When the sale finally does occur, the proceeds of that sale are used to repay the principal. The principal payment typically is in the form of a one-time, lump-sum payment.

The lender does not need to worry too much about default because the borrower is required to put up collateral to secure the loan. This can be in the form of another piece of property, business machinery or inventory on hand. But rest assured the lender will still thoroughly review the credit history of the applicant, the business and any partners or others with an ownership interest to assess the level of risk it is undertaking.

The interest rate assigned to the bridge loan is based on several factors: the anticipated risk associated with the bridge loan, the prevailing interest rates and a premium added by the lender. Since bridge loans are short-term, generally not longer than two years, the lender has only a short time to make money on the deal. The profit is derived from the interest rate.

Expect to pay a higher rate of interest for a bridge loan. And remember, the monthly payments on a bridge loan generally will be for interest only. Expect to pay off the bridge loan in full, usually as a one time balloon payment, as soon as the property is sold.

In the event that the property is not sold before the bridge loan matures, it can usually be converted to a conventional loan without paying a penalty. But it’s always a good idea to double check this before assuming.

About the Author
Specialists in Commercial Bridging Finance Commercial Lifeline. Independent UK based Commercial Bridging
Finance brokers.

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Written by: Darren Yates

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