Education finance

sector in which Banco Santander is going to focus his volunteering (education) (Santander “Sustainability report 2015: We want to help people and business prosper”). Moreover, Banco Santander has signed with the following international institutions to achieve a more sustainable business model: United Nations Global Compact, Banking Environment Initiative (BEI), World Business Council for Sustainable Development (WBCSD), UNEP Finance Initiative, The Wolfsberg Group, Equator Principles, Round…

My career goal is to become a Personal Financial Advisor. Personal Financial Advisors are "Professionals who help individuals manage their finances by providing advice on money issues such as investments, insurance, mortgages, college savings, estate planning, taxes and retirement, depending on what the client requests help with" (Investopedia). I used assessments to find my strengths and searched amongst careers based on those strengths to decide upon this goal. With the help of those…

them for a higher salary. Companies and candidates alike need to understand the market, take advantage of the contingent workforce and establish strategic partnerships to be successful. Take a closer look at the current conditions for the national finance and accounting job market and its top three most-in-demand jobs for 2015 (Web Nov 10th, 2015). With the research I have done I feel there are a high demand for this career path that I am taking.…

handling of the interest rates which has a direct impact on the LIBOR. Barclays was then fined with U.S. $453 millions to settle the affirmation which it had methodically manipulated the LIBOR between the year 2005 and 2009. According to Wharton finance professor Richard J. Herring, the scandal derives from the fundamental problem in which LIBOR is only a hypothetical rate but not a transaction rate. ₍₄₎ If a bank has the attempt to control over the LIBOR, it may submit a false low rate to make…

“The quickest way to double your money is to fold it over and put it back in your pocket,” as stated by Will Rogers. After taking this personal finance class I have learned that the quickest way to double my money isn’t to fold it over and put it back in my pocket. The quickest way to double my money is to be smart with it and know where it’s going and what the time value of it is. I took this business class as a pre-requisite for my bachelors of science and nursing. It wasn’t something I…

Daniel Kahneman and Amol Tversky, loss Aversion is defined as “tendency of people to strongly prefer avoiding losses than acquiring gains”. In general pain of losing is about twice as making gains. It is one of the most important biases of behavioral finance as when people cannot handle loss; they avoid taking high risk and prefer to play safe while…

2.2. PESTLE ANALYSIS 2.2.1. POLITICAL FACTORS Life insurance industry is affected by many political factors. In political sphere, hike in FDI limit up to 49 percent but, the Parliamentary Standing Committee on Finance has rejected foreign direct investment (FDI) to 49 per cent, in the Insurance Laws Bill (Amendment) 2008 (News, 2011). Increase in FDI limit attracts foreign investors and provide fund for penetrate in market. Insurance companies need capital to expand and penetrate their…

Men are from Mars, women are from Venus, but we all invest on earth. Gone are the days when men controlled the finance and women raised the children. Nowadays both genders have equal say in major household decisions, including money and investing. However, there is still a large degree of parity in the investment styles of men and women. This stems from the inborn tendencies and cultural expectations surrounding gender and money. Many of the fundamental stereotypes we try to abandon, show up in…

Carl’s Clarity Carl left a major law firm to start his own practice and was the first NetworkSage attorney. He began his exploration focusing on his career network, naming each client and all of the attorneys and support staff who had joined the firm since its founding. It would be months before he’d return to explore his other networks because of what he learned in just twenty minutes, which is when he stopped to call me. In that short time, he realized he had the wrong business model. Seeing…

The term invest itself is related to allocating money in the expectation to get some benefit in the future. In finance, this benefit can also be called a return. It may consist of capital gain and/or investment income, including interest, dividends, rental income etc. Generally, investment results in acquiring an asset. In case the asset is available at a price worth investing, usually it is expected either to appreciate in value, or to generate income. Normally investors expect higher returns…