Financial Temperature

Financial??? 7.Which financial ratios would you be most likely to consult if you were the following? Why? (A)A banker considering the financial of seasonal inventory (B)A wealthy equity investor (C)The manger of a pension fund considering the purchase of a firm’s bonds (D)The president of a consumer products firm

How much financial aid can you borrow up to before you can be denied any more? I owe almost $3500 in financial aid? I am thinking of applying to another college, but I am worried that I won't get any financial aid since I already owe. Eventually, I will pay back my financial aid, but I was wondering is there a limit to the amount of financial aid you can receive?

How can I get required financial work experience to become a Certified Financial Planner while still teaching? I’m interested in becoming a Certified Financial Planner, but I’m facing something of a “Catch 22.” In order to complete the requirements for the formal certification as a financial planner, a person has to have 3 years of financial work experience. I’m currently a full-time high school social studies teacher, and would like to make the transition to the new career as quickly as possible after I retire from teaching (in about 10 years). What can I do while I’m still a full-time teacher to get the financial work experience I need so that I can make the transition to a Certified Financial Planner without having to spend 3 years getting this experience after I retire from teaching? Thanks in advance for your time, ideas, and information.

What type of non-financial information is helpful in constructing the budget model? How is non-financial information used to calculate financial information? What advantages does the inclusion of non-financial information have in communicating tactics to make the financial goals?

Is financial analysis and consolidating debt really worth it? My boyfriend and I just had a financial analysis done but haven't gotten the results on our options yet. Is it really worth it to go through with this? Has anyone had experience on it? I mean we have debt but not so much we can't handle. On the other hand we are both mid-twenties and have no retirement savings started and we are not able to put much, if any, in our savings accounts. We will have the option to consolidate debt, start retirement accounts, have money to put in savings, and get better life insurance. Is this just a ploy for the financial company to prey on young people or is this real? Please help!

Which financial institution is currently the best for retirement accounts? I want to identify the best financial institution for opening a Roth IRA. It must have quality mutual funds with no load or transactions fees. I want to make monthly payments (~$200) and have that money immediately converted to shares of the mutual fund that I choose. So far, Fidelity and Charles Schwab will allow automatic monthly payments. Unfortunately, Chuck requires that the minimum for the mutual funds (usually $1000) is met before automatic purchases of a fund can be completed monthly. Fidelity will lower $2500 minimums to $300. Does anyone have experience with these financial institutions or another with a better policy? Vanguard can setup an automatic investment of $50 but you have to meet the $3000 minimum first to even open an account. While T. Rowe Price will also setup a $50 automatic investment with no minimum meaning the $50 can be immediately invested. The problems is that you are limited to T. Rowe Price Funds only (no stocks, no ETFs, etc.). So far Fidelity seems the best overall option with no clear cut winner.

What is financial aid, what kinds of financial aid are out there, and how is one eligible? This is for someone going into undergraduate studies, majoring in biology, planning to go on to medical school and become a pediatrician. He is moving out of his parents' house as soon as he is 18 and he is going to be renting an apartment off-campus with the financial help of another student going to the same college. Help?

How does financial aid work if you are married? I am thinking about going to dental school for 4 years after college, but I will be getting married in between. My future husband will also be in school, getting his master's, for 2 years. I am very worried about what our financial aid will be, since I will have college loans to pay off (I can borrow from parents). Dental school will be all on my own, though. Any idea what our financial aid will be like? Better or worse?

How do I get financial aid for my son if I also get financial aid? What affects will my financial aid need have on his financial aid? This is for College.

What financial obligation does property Tax lien investors have during the 1 year redemption period? After winning the tax lien auction and paying the promised amount + misc fees, what other financial obligation does property Tax lien investors have during the 1 year redemption period if there is an outstanding mortgage on the property?

What financial information does the current ratio measure? How does the current ratio relate to other liquidity ratios? Which financial ratios would you use and explain how a bank would determine whether a company will be able to meet its commercial bank loan payments?

What is the difference between a Financial Analyst and a Financial Advisor? The title says it all. Also, my head is a bit clouded of what i want to be in the future. I'm currently 18 years old in a Community College. I'm planning to transfer to Santa Cruz in Business Management/Economics. I heard a Financial Analyst helps plan and maximize people's profit, and that's what i like to do. I want to plan out things in a timely matter and i love to maximize profits from doing integrals of graphs (calculus). Any suggestions? Also, any difference with a Chartered Financial Analyst as well? Thanks everyone.

What financial information am I required to keep for 7 years? I am trying to organize all my financial records and I am overwhelmed with old utility bills and credit card statements from accounts no longer in use. Which ones do I need to hold on to, and which can I shred? And is the standard 7 years still appropriate?

What is most popular financial service ? Please tell me what financial service is most popular in united states. For indivisual investors only pay service. Because I have an financial service company in Japan , and I want to refer that. Please tell me what Information service to help equity investmentis is most popular in united states. For indivisual investors only pay service. Because I have an infomation company to help equity investment in Japan , and I want to refer that.

aministrator of estate no financial records of deceased uncle. What do I do when I file taxes with the IRS? I was appointed administrator of my uncle's estate. I thought he had his financial records...Unfortunately, he died incompetent and no will (intestate)...There are no legal records. I live in KS...He lived in NY. He filed no taxes with the IRS, since 2003. My records began in 2007. What do I do if I do not have any financial records and there is a small estate connected to 2 mortgage notes?

What determines whether a financial instrument is classified as a money market instrument? What determines whether a financial instrument is classified as a money market instrument? And also ... What determines whether a financial instrument is classified as a capital market instrument?

How does information from financial reports influence business decision making? How does information from financial reports influence business decision making? Why is it important for business managers to understand the information found on financial reports?

What books do you recommend for increasing financial intelligence? I've just read Rich Dad Poor Dad and Rich Dads Cashflow Quadrant by Robert Kiyosaki. In these books Robert talks about the importance of financial intelligence. Which books do you recommmend which can help me increase my financial inteligence as prescribed by R. Kiyosaki. I'm not really good with numbers so a book thats aimed at such people wpuld be best. A "financial inteligence for dummies" if you will.

Does financial advisor positions being offered has time flexibility on when I could start working? What I mean is that, in any financial companies like AXA financial or Metlife, if they offer you the job as a financial advisor, is it possible to negotiate with them about my starting date? For example, if they offer me a job right now, will they accept if I could start on a specific date like weeks or a month from now for some important reasons I will tell them?

Can a financial instituion garnish my Federal return? I live in Michigan and owe a financial institution on an automobile loan. I just filed my taxes for 2006 this year. I received a letter from the bank stating that they have permission from a court order to be able to garnish any bank account and refund I have. Since I've received this notice in 2007, will they be able to garnish my 2006 Federal refund?

Why do people delay personal financial planning? People need financial planning at every stage of their lives, whether it be debt reduction, buying a house or a car, marriage, divorce, and the biggest concern of most working people ---retirement. Why don't more people realize that the financial decisions they make today have a direct effect on the life they will be able to afford tomorrow?

How do you start a financial services company? How do you start your own personal financial services company. What are the steps that one must do besides acquire the required licenses and eduacation? How do you gain access to the financial products that you must sell?

How do you become a Financial Adviser? I am a Sport and Exercise Science graduate (Bsc with Distinction), and I am not enjoying my career in the leisure industry (rubbish pay, ridiculous hours and I am not finding the work either challenging or rewarding). I would like to change career to work as a Financial Adviser as I am interested in money, investing and financial planning. Does anyone have any experience in this area who can give me some advice on the best way to become a FA and whether this is doable for a 31 year old graduate who currently has no experience in this field. Thanks. Yes thanks for that hepp t. What happens is you work and study hard in a field where Universities are 'selling' courses where there is supposedly a ready market for the skills you learn. then you find out the only jobs available involve working with bad conditions and hours for a little more than minimum wage and you have a large debt to boot and you ddidn't need the degree in the first place. Unfortunately I am just another graduate without any tangible skills. I am looking for advice on how I can use my brain to make a real career for myself. I hope you never have a career crisis.

What are you charged for financial planning or investment advice? Many financial services providers tout their financial advice as being for free. But we all know nobody does anything for free. Aparently there are a bewlidering number of ways in which investment advisors make their money such as trading commissions, hourly frees, trailer fees, management fees, performance fees and so on. I would like to hold an online survey to gauge which methods most Y!Answers users come across and their views on each method or which method their prefer most. Thanks for taking the time to answer my question.

How do student loans affect financial aid? This year (freshman) all of my tuition is getting payed by government financial aid. However, I need money for other things like housing and credit cards. Will a student loan affect next year's financial aid even if all of the money were spent? What kind of student loan would be better to get, private or federal?

How can I get ratings on the top financial management companies? I want to make a fairly substantial financial investment, but want to do it in a "smart" way. I want to go with the best choice, for me , that I can possibly find and want to make sure that I make a "safe" choice. There are so many "financial counsellors" out there now that I'm a little scared. I want a "top rated" one in all aspects & need some advice on how to go about finding the right one and weighing all my odds before I make this big switch. I currently have it invested with a private counsellor, but am not happy with the situation I'm in right now. I'm paying substantial fees for the work his company does, & I'm not very satisfied in general. There is no "binding" agreement with them & the way I understand it I'm free to choose another company at any time. In case it makes any difference, I am a widow & don't have a very knowledgable background in financial investing.

As a manager of a financial planning business you have two financial planner? As a manager of a financial planning business you have two financial planner. In an hour, Phil can produce either one financial statement or answer 10 phone calls, while Francis can iether produce 3 financial statements or answer 12 phone calls. Deoe either person have an absolute advantage in producing both products? Should these two planners be self-sufficient or specialize?

How does financial aid work? What sort of Criteria do you have to meet to be eligible to get money? My fiancé will be starting school this Septemeber; we are not sure how financial aid works and how you become eligible to recieve a grant. What is the process and how long does it take? What information should we not put? He still lives at home with his parents but will be moving to go to school.(if that helps) Which parent should he use since they are not married? We already filled out the application online but we don’t know what exactly to put in there so he can be eligible for a grant. Any information would be greatly appreciated. This is very new to us and we have no clue how it works. Thanks!

How do I become a financial planner on my own without working for a company? Im getting ready to enter college this fall and I know I have a long time to go before im ready and knowledgable to open my own business but I would like to start planning and know the prerequisites now. I'm interested in starting a business in financial planning and I wanted to know if anyone could help me and tell me what things will I have to learn to become a financial planner, what should I study, and what major would be the best to take in college.

Where can I find a financial adviser whose main business is not selling insurance? I am 64 and own my own small business. How do I find someone who is paid by the hour and has a deep and broad understanding of estate planning, when to start taking Social Security, etc, etc. I have heard that most "financial advisors" make money by selling insurance policies. I have nothing against insurancy policies but I want someone whose income is dependent on his real skills. Is there such a thing as a National Certified Financial Advisor association?

How Much Does a New Financial Adviser Earn? Hi! Does anyone know what an entry level (or new) Financial Adviser earns per year in income? I am contemplating a career change and the area of financial planning has always interested me. Of course, I would had to undertake further study and get certified. I already have a uni degree in Business. I am currently working in an unrelated field. I am 30 and live in Brisbane QLD. To kumar a : What a waste of an answer. You are a dullard!

What is considered proof of financial responsibility? I am taking my california driving test in a few days, and the DMV website says that I need proof of financial responsibility. The car that I will be driving is insured under my friends name, but it does not have my name on the insurance. If I bring his proof of insurance for the car does it count as proof of financial responsibility for me? If not, what do I need to do?

What are the fastest growing financial jobs? I'm 15 and I want a career in the financial business. What will be some of the highest paying financial jobs in 7-10 years? Can I get internships somewhere at my age? What classes should I be taking right now?

How do I find a financial adviser that specializes in funding education? I am an adult, non-traditional student and I have several financial decisions to consider, such as whether I should quit my job to go to school full-time, how to manage my current debt situation while I am in school etc. How do I find a financial adviser that specializes in funding education?

What is the financial justification to save a child from dying of poverty in Africa? I have heard that much of the justification for giving to charity ,especially for medical charities in Africa,or to countries ravaged by disease in Africa,is finacial.It is said that saving a child is a financial positive...in other words..It costs the planet or country less to save the child than it does to let it die.What is the detail behind this argument or position?

Where can I find a good financial adviser in Canberra? I am interested in consolidating my credit card debts to reduce my overall repayments and pay off these debts faster. Where can I find a good financial adviser in Canberra who can assist me in achieving this goal and planning for a safer financial future?

What qualifications do financial analysts and fund managers require in Malaysia? What about Australia? Additional information about where to get the qualifications and opinions about financial analysts (or any other jobs that analyses investments) would be very much appreciated. TQ in advance =)

How to write a monthly personal financial budget worksheet? What are the factors need to consider to start financial planning? What are percentage ratings of each factors for monthly personal financial budget?

How to report financial aid office of a college to the department of education? I have been discriminated by the financial aid of my college. I plan to report them to the department of education or sue them by my lawyer or/and report them to one of the TV news. My question is if I want to report them to the department of education, how will I do that? What procedure do I need to follow? Can I sue them after I report them to the department of education?

What Percentage Of Financial Planners Invest In The Funds They Recommend? I remember reading a stat that said something like 80%+ of financial planners don't hold investments in the mutual funds they invest their clients' money into. I can't for the life of me find that stat. Would anyone know where I could find a statistic like this or what the statistic is? I'd appreciate some help since Google seems to be failing me in this area.

How much should financial planners get paid? If they move your money into a IRA and set up some other plans? I have been chatting with a financial planner. He has talked to me about different option for IRA and life insurance. The IRA is through a company I think called Allianz and he said that anytime you put money in there plan you get a 4% bonus. I think the then is taking 1% of that has commission but I could be wrong. I have to keep my money in this IRA for 10 years but it is promised to never go down over those ten years from the highest $ amount. He also discussed different types of insurane plans.. I have no idea. I am 34 single mother of 2 kids 3 &5. Any clue as to what type of plan would be good for me. My company doesnt offer a 401K. What % is reasonable for him to get on the life insurance?

How exactly does Financial aid for school work? Do i need a debit card? What if your under 24- living with your parents and together they make ok money & you have a full time job $10.00 with 2 other kids in the household. However, they are in a lot of debt owe people money, have bad credit and the 3 of us together are living paycheck to paycheck- will the financial aid office care- or do they just care about the whole taxes return thing? I really want to go to school full time but I cant afford it.

What is a financial obligation to renting a home? I'm ready to rent a home, but I'm still new to this. The application to renting the home ask for a "financial obligation". What does that mean?

Our company specializes in Financial Printing. How do I get contacts to commercial printing? We are a financial printing company in Central New Jersey. We are a trade shop which prints for the biggest financial printers in the country. Financial Printing has dropped off significantly and we desperately need to start getting into commercial work. Where do I find contacts? Where do I get involved in bidding on jobs? We are very good at what we do, but we need to branch out and start doing other types of work.

How much do financial advisors charge and are they worth it? I believe we will go up a tax bracket soon - are expecting as well - need to do some financial planning - wondering if advisors are worth it? Any opnions appreciated!

How can a college student get financial aid if he/she is undocumented? Can she start the legalization process? I'm currently a 3rd year UCLA student pursuing a career in medicine. My family came to the US from the Philippines in 1993 under my dad's L-1 Visa. I graduated from my high school at the top of my class, have worked numerous jobs, pay for my car, rent, and even have my own online jewelry business. HUGE problem though -- I'm undocumented and am unable to get financial aid. My father's visa expired some time ago and because of problems with INS papers, the visa is now out-of-status and our case cannot be appealed. I DO have a social security number, a valid employment authorization card, a CA driver's license, work for a US company, and pay taxes. However, I am unable to get federal financial aid because I am neither a US citizen or a Permanent Resident. I am really struggling with paying tuition, so I am wondering if there is ANY way I can start the legalization process at this point. Med school is expensive, and without aid, I don't think I'll be able to go. Any advice? Just to clear things up, I came here LEGALLY with my family when I was a child. My social security number and driver's license, along with my employment card, are ALL VALID and not FRAUDS or STOLEN. I get very good grades and go to a very good school (UCLA). I did NOT ask to be here illegally -- my dad messed up with the papers while he was trying to adjust our status and somehow my siblings and I got stuck in this situation. I am not much different than the other students in my classes. Most of them were just lucky enough to have been born here. For the past 2 years, I've been borrowing from my friends to pay my tuition and paying them back as soon as I earn enough. I know the DREAM act would solve all my problems, but there's no way of knowing when and if it will be passed. I don't expect the government to give me a free ride (although I definitely qualify for it). All I am asking for is any way to start the legalization process with my status if I am already 21. and for those wondering, YES I DO PAY TAXES and have been for the 4 years I've had jobs. Please don't give me the "why should I pay for criminals" crap because I'm paying taxes too. I've been here for 13 years and basically grew up in the US and just recently became out of status. I know it's my dad's fault for not taking care of adjusting our status, but if you know of any way at all that I can petition for a visa MYSELF, I would really really appreciate it. I have thought about just dropping out of college because it's getting very expensive without any aid at all, but I am very diligent and determined to succeed.

What management and financial decision can I make as a limited partner? If I am a limited partner in a hotel, can I make management and Financial decisions or not. If not, why?

What kind of financial aid is available to someone who spent 4 years active duty in the marines? My son-in-law will be getting out of the Marines this summer after 4 years,and will be doing 4years inactive duty. Is there anyone out there who knows what is available for him in financial aid? From what I read about the GI bill online, I'm not even sure he'll be eligible for that.

How can I get financial help to buy a home in Florda so I can relocate my family and continue ministry work? Looking for financial help for down payment assistance to move from wisconsin to Florida and relocate my family so I can do Prison ministries and fellowship work. I'm in a bind and thought maybe this could help me. Any input is appriciated. Thankyou in advance for all of your support.

How do I analyse financial statements and know when to invest? Does anyone know of any good books on how to analyse financial statements? Also, how do I know when to invest?

What are some good financial retirement plans for parents after passing on family business? I am taking over the family business soon (Worth approx. $500,000) My parents are worried on how they will still sustain financial freedom after passing on their company to me. It is primarily a cash business and I want for them to retire without having to worry about money. They have savings but nothing is in the bank. (Old Asian generation mentality) I propose treating them like company board members that take a certain percentage from the business, while I keep the rest for expansion opportunities. What will be fair for both sides? Thank you.

Which companies have good financial internships for college student during the summer time in the Boston area? Or anywhere from central Massachusetts to Boston area. If anyone has good experiences of financial internships during the summer time in these areas please do share.

Can a contracting financial controller work in a bank in the same position later on ? Considering that each field may have different requirements ,but at the same time suppose that a contracting financial controller took courses in the field of banking as a financial controller too. Can he be hired later on in a banking field ? Any personal opinions or experiences are welcomed .