An Online Finance Degree Can Open Doors To A New Career

Earning an online finance degree from an online university, college or business school can open up many opportunities to work in the field of finance. There are the typical levels or degree programs available in finance as in many online college degrees. Associates degree is the basic degree level all the way to an MBA (Masters of Business Administration) or Doctorate. The online finance degree offers additional benefits to students and college faculty in regards to flexibility of scheduling and course instruction.

An Associate’s Degree is the basic level of achievement in almost any degree program online and will typically take about 2 years to complete. The Associate’s degree might be satisfactory for entry level employment at credit unions and banks, or possible smaller accounting firms.

A Bachelor’s Degree is the next level and is usually referred to as a “four year degree” as it should take approximately 4 years to complete. The Bachelor’s Degree is much more widely accepted when seeking employment in the field of finance and the opportunities for employment are much broader with a Bachelors Degree. Banking, large accounting firms, investment firms and financial planning companies might typically be looking to hire graduates of a four year Bachelor’s Degree program. A finance degree can also prepare a student for further degree programs such as an online marketing degree or any number of other online college degrees.

The Master’s Degree is where the best job offers reside and an MBA is the ultimate Master’s degree when it comes to an online finance degree. A Master’s Degree holder is eligible for just about any job in the finance field right out of college. Businesses look at graduates holding Master’s Degrees or MBA’s as having the right education and training to step right into an upper-level job.

Some of the different specialties within finance are:

Credit Analyst
Investment Banker
Financial Planner
Financial Advisor
Finance Officer
Loan officer
Many of these career choices are obviously in the banking and investment sector but many large corporations and companies require a finance officer or an upper level manager with a finance background to help maintain the assets of the company.

An Online Finance Degree also offers the flexibility of online college degree programs in that students are often able to continue their current employment while attending college. This flexibility is what makes online degree programs so attractive to potential students who are already employed in their chosen field or who have other family and work obligations.

Earning an Online Finance Degree is definitely a big step forward if you are working in the finance field or want to begin a career in the field of finance. Getting your finance degree online will allow you some flexibility to work at your own pace in order to achieve the level of education and career advancement you desire.

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Now you can go back to school without totally uprooting your family and lifestyle. Keep working, keep paying the bills, and earn the degree you need online! Whether you’re looking for a Bachelor’s Degree, Master’s Degree or a Doctoral Degree, there are many choices and one of them is perfect for you. Find the Online College Degrees [http://www.onlinecollegedegreess.com/] you’re looking for.

Why Early-Stage Startup Companies Should Hire a Lawyer

Many startup companies believe that they do not need a lawyer to help them with their business dealings. In the early stages, this may be true. However, as time goes on and your company grows, you will find yourself in situations where it is necessary to hire a business lawyer and begin to understand all the many benefits that come with hiring a lawyer for your legal needs.

The most straightforward approach to avoid any future legal issues is to employ a startup lawyer who is well-versed in your state’s company regulations and best practices. In addition, working with an attorney can help you better understand small company law. So, how can a startup lawyer help you in ensuring that your company’s launch runs smoothly?

They Know What’s Best for You

Lawyers that have experience with startups usually have worked in prestigious law firms, and as general counsel for significant corporations.

Their strategy creates more efficient, responsive, and, ultimately, more successful solutions – relies heavily on this high degree of broad legal and commercial knowledge.

They prioritize learning about a clients’ businesses and interests and obtaining the necessary outcomes as quickly as feasible.

Also, they provide an insider’s viewpoint and an intelligent methodology to produce agile, creative solutions for their clients, based on their many years of expertise as attorneys and experience dealing with corporations.

They Contribute to the Increase in the Value of Your Business

Startup attorneys help represent a wide range of entrepreneurs, operating companies, venture capital firms, and financiers in the education, fashion, finance, health care, internet, social media, technology, real estate, and television sectors.

They specialize in mergers and acquisitions as well as working with companies that have newly entered a market. They also can manage real estate, securities offerings, and SEC compliance, technology transactions, financing, employment, entertainment and media, and commercial contracts, among other things.

Focusing on success must include delivering the highest levels of representation in resolving the legal and business difficulties confronting clients now, tomorrow, and in the future, based on an unwavering dedication to the firm’s fundamental principles of quality, responsiveness, and business-centric service.

Wrapping Up

All in all, introducing a startup business can be overwhelming. You’re already charged with a host of responsibilities in which you’re untrained as a business owner. Legal problems are notoriously difficult to solve, and interpreting “legalese” is sometimes required. Experienced business lawyers know these complexities and can help you navigate them to avoid stumbling blocks.

Although many company owners wait until the last minute to deal with legal issues, they would benefit or profit greatly from hiring an experienced startup lawyer even before they begin. Reputable startup lawyers can give essential legal guidance, assist entrepreneurs in avoiding legal hazards, and improve their prospects of becoming a successful company.

Think Twice Before Getting Financial Advice From Your Bank

This startling figure comes from a recent review of the financial advice offered from the big four banks by the Australian Securities and Investment Commission (ASIC).

Even more startling: 10% of advice was found to leave investors in an even worse financial position.

Through a “vertically integrated business model”, Commonwealth Bank, National Australia Bank, Westpac, ANZ and AMP offer ‘in house’ financial advice, and collectively, control more than half of Australia’s financial planners.

It’s no surprise ASIC’s review found advisers at these banks favoured financial products that connected to their parent company, with 68% of client’s funds invested in ‘in house’ products as oppose to external products that may have been on the firms list.

Why the banks integrated financial advice model is flawed

It’s hard to believe the banks can keep a straight face and say they can abide by the duty for advisers to act absolutely in the best interests of a client.

Under the integrated financial advice model, there are layers of different fees including adviser fees, platform fees and investment management fees adding up to 2.5-3.5%

The typical breakdown of fees is usually as follows: an adviser charge of 0.8% to 1.1%, a platform fee of between 0.4% and 0.8%, and a managed fund fee of between 0.7% and 2.1%. These fees are not only opaque, but are sufficiently high to limit the ability of the client to quickly earn real rates of return.

Layers of fees placed into the business model used by the banks means there is not necessarily an incentive for the financial advice arm to make a profit, because the profits can be made in the upstream parts of the supply chain through the banks promoting their own products.

This business model, however, is flawed, and cannot survive in a world where people are demanding greater accountability for their investments, increased transparency in relation to fees and increased control over their investments.

It is noteworthy that the truly independent financial advisory firms in Australia that offer separately managed accounts have done everything in their power to avoid using managed funds and keep fee’s competitive.

The banks have refused to admit their integrated approach to advice is fatally flawed. When the Australian Financial Review approached the Financial Services Council (FSC), a peak body that represents the ‘for-profit’ wealth managers, for a defence if the layered fee arrangements, a spokesman said no generalisations could be made.

There are fundamental flaws in the advice model, and it will be interesting to see what the upcoming royal commission into banking will do to change some of the contentious issues surround integrated financial advice.

Many financial commentators are calling for a separation of financial advice attached to banks, with obvious bias and failure to meet the best interests of clients becoming more apparent.

Chris Brycki, CEO of Stockspot, says “investors should receive fair and unbiased financial advice from experts who will act in the best interests of their client. What Australians currently get is product pushing from salespeople who are paid by the banks.”

Brycki is calling for structural reform to fix the problems caused by the dominant market power of the banks to ensure that consumers are protected, advisers are better educated and incentives are aligned.

Stockspot’s annual research into high-fee-charging funds shows thousands of customers of banks are being recommended bank aligned investment products despite the potential of more appropriate alternatives being available.