I co-founded a start-up. Business plan is in the work. I still need to work on the financial section. I know I should have a CFO work on it. But I don’t have $$ to pay/hire a CFO. So I get to wear the finance hat too among other roles. Do you know of free finance spreadsheet templates I could download to use? Need to finish biz plan to show potential investors. Can’t show current biz plan as is without figures. Biz plan doesn’t mean anything to investors without 3 year financial planning such as revenue projection, dev’t cost projection, marketing budget projection, potential # of people for hire, other related finance figures of interest to potential investor. Tks for your help in advance!

http://www.exinfm.com/free_spreadsheets.html

I received a mail from Told Aaron as Coordinator Yahoo Mail using email agenttoddaaron@yahoo.dk informing that I am a winner of yahoo email lottery programme organised by a yahoo corporation in a bid to thank its numerous customers for the financial benefits recieved for the finanacial year 2006. To claim the wining prize money of 500,000 pounds I have been asked to contact Speedlink Courier Services, Unit B3, Kingsland Close, Londan United Kingdom. Tel: +: 447031923091, +447031945307, +447031945986, Fax: 4487-0478-0749, website http:// speedlinkcouriers.tripod.com, Email: speedlinkcourierservices@yahoo.co.uk.
I wish to confirm the authenticity of this email if this is really sent by Yahoo. If this is fradulent email, do yahoo take any action against such email senders and what are the suggestions for yahoo users to do with this kind of emails.

I receive many of similar emails that I won from 1 mil. to 1 bil from London Uk . All are spam

Ok I start college june 3rd I am going to get my Associates degree in Business management. I want to take the right classes so one day I can get into one of the following. banking,investments,management,financial analyst. can someone suggest the degrees or path I should take to get into one of those fields. Also if anyone knows starting salary’s for those fields can you please let me know.

At least a bachleors degree in business or finance. To get into banking (other than a teller) or investments you will need at least an insurance licence (many banks and investment firms sell annuties) or a series 6 securities license (for mutual funds) or a series 7 securities license for stocks.
Many investment firms will provide training classes usually free of charge. If you agree to work for them

I’m excellent at financial planning, and giving advice about weather to buy certain items or cut back. how can i start a website giving out this advice?

As a financial planner or accountant? Either way, it’s easy to setup the website but have an attorney write your disclaimer. There’s a slew of junk financial advice online, and the last thing you want is to get into deep legal and liability problems that could have federal jail time attached to them.

Giving the kind of advice you say, there may be other considerations such as who you will be giving this advice to, what you expect them to do with it, if you are going to give this advice to US clients only and the list goes on, and on, and on like the Energizer Bunny.

Your first step should be to speak with an attorney to determine your legal options before you decide to move forward.

One has read that Prince Charles is doing very intelligent things with the Duchy Cornwall properties, and making it profitable. If he WASN’T and it was in financial shambles, does he have to answer to government financial advisors? WHO?

The Crown Estate is managed by an independent body responsible for making as large a profit as possible from the land, this body is then accountable to Parliament for which it makes an annual report, but there is a massive difference between the Duchy and the Crown Estate, therefore I doubt they would be an appropriate recourse for the Prince of Wales to seek help from.

First, the Duchy, unlike the Crown Estate is a private estate, managed by the Prince of Wales that he is able to take the revenue from for his own use, whereas the Crown Estate is voluntarily given over to the government to run and profit from by each consecutive monarch.

It would be as inappropriate for the government to ‘force’ you or I to answer to them for our potential financial mistakes as it would be for the Prince. Regardless of how horrible one manages the Duchy it can not be sold; it must be given intact to the next heir, therefore a poorly managed Duchy, while financially devastating for the Prince can only improve.

I would hope, however, that if this situation arose that in order to keep the Duchy operating at a good turn at least for the benefit of the next heir that the Prince would be given ‘help’ by financial advisers from the government, but it may be in his best interest to run the Duchy a little less well because many British people can’t stand seeing him making a profit, if he made less off of it then the Duchy wouldn’t look to be such a tempting steal to the politicians and the public wouldn’t be so envious.

We work in rural areas to prevent disability and to empoer them through community based rehabilitation services.There is huge number of disabled children as well as adults who are neglected by the community. Practically they get no help and are destined to live in their fate.Superstitions,poverty ,ignorance make the situation worse.

There are several avenues to help raise money

– You can check out grants, although these are difficult to get. http://www.grants.gov – federal grant site
http://national.unitedway.org/eway/grants/index.cfm – United Way grants

– You can do some online fundraising. You can check out this site: http://www.care2.com, or visit my site: http://www.myopenhands.com

– You can set up alliances with local businesses. See if they will donate products/services or money in exchange for advertising. What kind of advertising can you offer them online/on vehicles/at events you might have, etc?

i was offerd a job by ameriprise as a financial advisor. It does not requir a degree but you do have to take series of test that cost money(state boared, exet) the firm said they offer free training but i dont believe that includes the cost of the exams. Does anyone know the cost and if the firm will sponcer you and pay the way

It is better that you ask your employer to sponsor you, since it is their requirement !!

I would like to get into financial dealings -specifically financial planning, tax planning, and college planning. Currently, I have no formal education in business or finance. I saw a job I could potentially put my eye on in a few years – but I would need a minimum of FINRA series 7 and 63 to be considered. I am in preliminary stages of research, can anyone "school" me? Thanks.

You would have to be sponsored by a firm to take the exams from my understanding. Since you would have to fill out the U4 or the U 10. You may or may not need a life insurance license depending on what products you offer. It is a very lucrative industry to get into, if you look at the baby boomer generation. I would say just start any where and get the experience to show for. Depending on the firm some look at whether or not you have a college education plus experience.
I have been in the insurance industry for almost a year and I just recently applied for my tax certification and am working on my Series 6/63. The sweetest part is I got my feet wet and I haven’t even gradauted college. By the time I do (couple of months) I may have a better resume then the others.
Good luck!
ps if you wnat more info email me.

I noticed in personal finance websites that ING direct seems to give a higher interest yields than most banks’ savings accounts. You only have to have a checking account with another bank. But most of them are from the US. I want to know if it’s possible to open an ING direct account even if you’re not from the US. Or if there are similar institutions or services here in the Philippines which will give as much–4.5% per annum. Thanks.

Most banks don’t care where you live. Call them and ask them

Trying to decide which major I want, I think I want to go into finance, but I am not sure. I know I am going into business- at a business school.

Also, if there are any people who have careers in finance, what do you specifically and do you like your jobs? Because I have an internship in finance and accounting and it is pretty boring…but it is just because they don’t give me enough work to do so I don’t feel like I have had the true experience.

I’ve been in Finance for so long that I’ve decided that I wanted to do a different degree that was along the lines of my future goals… Law. I did my BBA in Legal Studies. I was a Finance major at first. I will suggest that you stick with the Finance Major vs the Business Administration. I mean if you think about what exactly is the B.A. offering you when the bottom line of the degree is in Business Administration? To have a specialty gives you a ‘know-how’ that makes you more adept in taking on positions that offer stellar pay as Finance and Accounting is known for. Each person is different in terms of what they want to do with their future goals. I normally see students minor in Business Administration if their Undergraduate Degree is in a totally different realm. This is only to signal to the employer that you are versatile and have business skills. If you are a business student I suggest Finance if this is what you want. Finance is definitely interesting and keeps you on the toes not just in the sense of performing statistical analysis but also conducting market and financial research including technical analysis which keeps you in the loop of world news as much as national news. You begin to witness the chain in global commerce & media and how it effects one another and inevitably effects the market as well as consumers far and near.

Another point that comes to mind is the institution that is granting the Finance degree. What is their reputation in the Finance Department? Are they first class? Are they top-rated? Usually the "glamourous pay but slave to your job" are firms off of W-Street which hit Ivy league schools to join their Associate or Summer programs. These programs, once selected ..highly selective, gear you up for positions such as equity or fixed-income analysts. Again, the pay is here, the perks are there, but you get no life. If you’re looking to have that lifestyle then ensure your alma-matter can deliver. Your grades will obviously have to stand on its own and well .. if you have connections then use them.
If you want something more exciting in Business then go for Marketing. I’m leaning to the Marketing aspect in my MBA program which will play instrumental in my Entertainment Law (Law, Marketing, Finance (Budgeting)).

Good luck with everything.

P.S. I suggest you take a few finance classes (required and as an elective) before you decide.