...Post Graduate Diploma in Management (Major: Marketing; Minor: Finance) CAREER OBJECTIVE To make use of my extensive knowledge and skill to solve problems in a creative and effective manner and synergize with the organization to focus on, and achieve, the long term goals that have been put into place. EDUCATION NAME & ADDRESS OF INSTITUTION DEGREE MARKS YEAR BOARD B A PAATHSHALA, 10TH 73% 2006 WBBSE HOOGHLY COLLEGIATE SCHOOL, 12TH 61% 2008 WBCHSE ISB&M, KOLKATA BBA 56% 2008-11 PTU DEP JSB, KOLKATA PGDM 57% 2011-13 AICTE IIFP, KOLKATA CFP PURSUING 2011-PRESENT FSBI COMPUTER PROFICIENCY Well versed in MS-Office (Word, Excel, and PowerPoint). WORK EXPERIENCE/INTERNSHIP 2 months` on- the- job` training in...
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...Personal Finance It is important to plan the finance for any regular expenditure such as the basic needs of any person like food, clothes, accommodation, bills etc. To be able to for fill all your personal needs you must have some kind of personal income, which will cover these expenses. The sources of personal income might be: Salary or wages =============== A regular earned income from employment, for these earnings the employee and the employer both have to pay a deduction to the government such as income tax and N.I. contribution. Overtime An extra earned income for the additional hours of work Commissions ----------- An employee can get a percentage of the selling price of product from his/her employer. Bonus ----- Bonus is an earning for good performance at work place. Interest -------- Interest using your money to create more money, expressed as a rate per period of time, usually one year, in which case it is called an annual rate of interest. Winnings -------- You may win money from playing the lottery or gambling on sport events. Gifts ----- Money received from a friend or relative on a special occasion such as birthday. Sale of personal items ---------------------- Earned income from selling personal items Gross and net pay ----------------- Gross pay is the total amount of money earned by an employee before any deduction is made. Net pay is the amount of money an employee receives after...
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...3/26/2013 | GEO 605 | Northern Career Report | Table of Contents A Brief Overview of a Financial Advisor 2 Duties and Responsibilities of Financial Advisor 3 Career Path for Becoming a Financial Advisor 4 Steps Required for Becoming a Senior Financial/Fiscal Advisor 5 Qualifications needed to be a Senior Fiscal Advisor in the North 5 Job Platform or Potential 6 Potential Remuneration and Comparison to the North 6 Investment Opportunities for the Northern Resident 7 Works Cited 8 A Brief Overview of a Financial Advisor As a Senior Financial Advisor the ideal candidate would have demonstrated exceptional knowledge and have at a minimum of 3-5 years of experience as a financial advisor. The steps required for becoming a financial advisor are not the same for everyone. Some students believe that achieving an undergraduate degree in Business, majoring in finance or accounting is the first step needed. By completing business commerce degree students will have a concrete foundation and be able to comprehend the theories involved in financial planning. Some employers do not necessarily require potential employees to have an undergraduate degree in business since they provide training to the successful candidate. Once completed the employee will be licensed and be able to provide financial advice. Since the requirements to become a financial advisor differ amongst employers there are no set criteria for potential employees to follow, this is why it is...
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...About AMP AMP has been helping Australians take control of their financial futures and own their tomorrows for over 160 years. Founded in 1849, AMP has played a substantial role in shaping modern Australia and New Zealand by helping millions of customers build financial security, providing protection for families and assets, and financing property and infrastructure projects. By delivering the right balance of security and performance, AMP helps its customers and clients own their tomorrows through: * financial planning and advice * superannuation, retirement income and other investment products for individuals * superannuation services for business and employer-sponsored schemes * income protection, disability, general and life insurance * selected banking products * investment including shares fixed interest, property and infrastructure About AMP AMP has been helping Australians take control of their financial futures and own their tomorrows for over 160 years. Founded in 1849, AMP has played a substantial role in shaping modern Australia and New Zealand by helping millions of customers build financial security, providing protection for families and assets, and financing property and infrastructure projects. By delivering the right balance of security and performance, AMP helps its customers and clients own their tomorrows through: * financial planning and advice * superannuation, retirement income and other investment products for individuals ...
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...FORMAL REPORT ON Career Choices: Financial Advisor and Dental Hygienist Submitted to: Professor Don Olsen, DeVry University Submitted by: Tracy Herron For: ENGL227 October 20, 2014 LETTER OF TRANSMITTAL October 20, 2014 Professor Don Olsen don@modgroup.net DeVry University Professor Olsen, I am pleased to present to you this letter of transmittal for a formal report as the final assignment in ENGL227. The report will list and compare two career choices which I have researched and will recommend one of for the client. The enclosed formal report has been prepared from sound research using creditable sources and will be sited using APA style citation. It also contains appropriate prefatory, text, and supplemental parts, including a cover page; this letter of transmittal; a table of contents; the four-part Introductory Section; appropriately labeled body sections; appendices, and a list of references. Thank you for the opportunity to submit my recommendation for the client. Sincerely, Tracy Herron Tracy Herron Table of Contents LETTER OF TRANSMITTAL 2 Introduction: Career Choices 4 Financial Advisor 5 Earning Potential 5 Unlimited 5 Bonuses 5 Benefits 5 Profit Sharing 5 Medical & Dental Insurance 5 Life Insurance 6 Disability 6 Tuition Reimbursement 6 Travel 6 World Travel 6 Time Off 6 Family Travel 6 Family Activities 6 Encouraged 6 Dental Hygienist 6 Earning Potential 7 Comparable 7 Bonuses...
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...by or working at the firm are required to familiarize themselves with the content and review the manual at least annually. While the manual addresses policies of a compliance nature, individuals are expected to conform to the laws, rules and regulations of the industry and their particular jurisdiction regardless of whether they are covered in this manual. Standards of fairness and good business practice apply in all circumstances. Violations of laws, rules, regulations and firm policies can result in disciplinary or regulatory sanctions against an associate, as well as fines or responsibility for consequential losses resulting from the violation. References to "associate" or "associates" in this manual include general principals and financial advisors unless otherwise specified. Such references also include individuals working both in the home office and in a branch office. Please do not keep the printed manual as a reference as it will eventually be out-of-date. Commissions and Sales Background FINRA Rule 2121 requires prices and commissions charged to the client be fair and reasonable. Policy The firm and vendors with whom it has dealer agreements has either set commission amounts or a range of commissions that may be acceptably charged to a client. Individuals may not make any arrangements with clients outside the parameters set by the firm in its commission policy. The Field Supervision department may review commissions charged on a transaction as part of the normal...
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...Andrea De Francisci Via Merulana 117, Roma, RM ∙ 00185 ∙ telephone: 3292399884 andredefra64@gmail.com ∙ www.andreadefrancisci.com ∙ SUMMARY OF QUALIFICATIONS 5+ years of experience of management, marketing (also social media), Website realization and maintenance, salesman in trading Food and beverage, Renewable energy, technologic and construction products Creation and development of team of work and website development teams and start-up of companies from scratch in various fields of market Proven skills in management; relationship with customers; Working with others; Problem solving; Decision making; Job task planning and organizing; Finding information; Continuous learning; mailing lists and databases; Process incoming and outgoing mail manually or electronically; Send and receive messages; Perform basic bookkeeping tasks; Prepare and format page presentation; Compile data, statistics and other information Strong background in Computer use with Windows; General office equipment; Excel; Data entry; Internet browser; Electronic Mail; Electronic scheduler; MS Word; MS PowerPoint; Basic knowledge of HTML, Experience in a startup development; knowledge in building websites with wordpress, joomla, other; experience in websites management. Also Oral communication; Working with others; Significant use of memory Multilingual: Fluent in English, Italian and a basic knowledge of scholastic German. PROFESSIONAL EXPERIENCE Office worker Augusto Sechi Rappresentanze...
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...Learning Plan – COLL148 Four areas that I will work on to help me reach success as a student are keep an open line of communication with my teachers and my classmates, reading and comprehension, time management, and financial growth (budgeting). To increase or maintain my open lines of communication, I will continue to participate in class discussions (minimum of 3 times 3 days per week). Also, if I have a doubt about anything, I will continually make sure to ask questions of my professors or the individual(s) that are in charge of area in which I am having a problem. To keep up with this, I will make sure to post on Monday, Wednesday, and Friday of each week, between 5pm-10pm. I will continue to read and make sure to add an hour a day, over my lunch break, to increase my reading speed and understanding. Since I don’t have a set time for lunch, this will vary day-by-day, but it is an hour Monday-Friday. I will mix my reading between pleasure and class reading. I will read pleasure books on Tuesday and Thursday and will read for instruction the other 3 days of the work week. I will also incorporate an hour on Saturdays to work on increasing my vocabulary. I will find subjects I am unfamiliar with and do research. I will also write more during all seven days in an effort to increase my vocabulary. This will be accomplished with the help of a thesaurus. In an effort to improve my time management, I will stick to my schedule, starting for a week and then increasing by one...
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... | |Magazine | | |Volume/month of publication (if |Volume 66 issue 11 November | |available) | | |Date you retrieved article from |March 24, 2014 | |database | | |Summary of article |The article focuses on the use of career advisers in career advancement. It comments on | | |the differences...
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...Insurance Home & Property Insurance Life Insurance Annuities Additional Insurance Solutions Medicare Solutions View All Insurance Banking Checking Accounts Savings Account Certificates of Deposit Credit Cards Home Mortgages Auto Loans Home Equity Products View All Banking Investments Mutual Funds IRAs Brokerage Services College Savings Plans USAA Managed Money Annuities Market News & Research View All Investments Retirement Retirement Planning Financial Planning Getting Started Growing Your Retirement Living in Retirement Military Retirement View the Retirement Guide View All Retirement Advice Personal Financial Plan USAA Wealth Management Managing Your Money Ask a Financial Advisor Share USAA Do you know someone who might be eligible for USAA? Invite them to discover the products and best-in-class service we offer our members. Share USAA Connect with USAA and our member community.Visit the USAA Community Hub Financial Advice Community Military Spouse Community Military Veterans Community Inside the Mission Blog USAA Mobile Corporate Info Newsroom Security & Privacy Careers Contact Us Site Map FAQs Site Terms Copyright © 2012 USAA. Investments/Insurance: Not FDIC Insured • Not Bank Issued, Guaranteed or Underwritten • May Lose Value USAA products are available only in those jurisdictions where USAA is authorized to sell them. Use of the term "member" does...
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...Financial Accounting from a Cardiac Hospital If I were in a management position and had to create a working strategy in order for my company to gain strength, I would create a plan involving three phases: capital shortage, evaluation of the funding options for medical equipment, and the evaluation for capitol expansion. I would then run the necessary financial reports, analyze all the collected data, and then decide the best strategy for our improvement. Financial gain is important to the company, however budgeting is a must. Capital shortage, also known as cost cutting, is the first phase of rebuilding when it comes to a facility on the brink of foreclosure. I was asked to choose two areas that in my opinion, would offer the best financial gain for the hospital. The options on the table where downsizing my staff, reducing their allowed benefits, reducing the agency staff, changing the skill mix, or reducing the length of stay that a patient is offered. After careful consideration, the two choices were the reduction of staff benefits and the reduction of agency staff that is brought into the facility. Along with the forced cuts, I was also asked to choose a loan option that would keep the doors open. Comparing the two loan options side by side, I felt that the second option would have been the best for my hospital. It was at a lower percentage rate of 9%, the monthly installment was not as high as it would have been if I had gone with loan option number one, and the closing...
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...Restrictions on Bank Teller Activities 12 Appendix 13 1.1 Assumptions We have decided to list some ideas that are held primary throughout this assignment for the ease of discussion. * Paula is a retail client We should make the distinction whether Paula is a retail client or a wholesale client, it is important to do so as most of the investor protection provisions of Ch 7 relates only to services provided to retail clients. The definition of retail client differs with the nature of the financial product. It is clearly identified that Paula was not making an investment in general insurance products, superannuation and RSA products, we would intuitively classify her as a retail client under all other financial products and allow her to pass the four threshold tests: product value of $500,000, individual wealth of $2.5 million, professional investors and small businesses. * Paula is risk averse It is mentioned that the money for the provision of the financial product was from a personal injury compensation payout with the goal to derive income and capital growth in fulfilling future acquisition of a new house. It is only rational that Paula would have a higher tendency to avoid...
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...Negotiation | Job Interview Question Database: Questions with Excellent Sample Responses, 1-8 The Job Interview Question & Response Database includes 150 of the most typical interview questions that you may face in your job interviews. Questions are in no particular order, so take your time and go through the entire list! ------------------------------------------------- Top of Form what | where | | | | | job title, keywords or company | city, state or zip | jobs by indeed | | Bottom of Form Displaying Job Interview Questions 1-8 1. How would you describe yourself? Sample excellent response: My background to date has been centered around preparing myself to become the very best financial consultant I can become. Let me tell you specifically how I've prepared myself. I am an undergraduate student in finance and accounting at ____________ University. My past experiences has been in retail and higher education. Both aspects have prepared me well for this career. See also this page of our Job Interviewing Tutorial. 2. What specific goals, including those related to your occupation, have you established for your life? Sample excellent response: I want to be working for an excellent company like yours in a job in which I am managing information. I plan to contribute my leadership, interpersonal, and technical skills. My long-range career goal is to be the best...
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...Innovative Capabilities Jillian Newes OI/370 8/10/2015 Anthony Barnes Innovative Capabilities Ameriprise Financial works one on one with millions of clients to help them put more dreams within reach. The company has withstood recessions, depressions, downturns and panics and has only grown stronger in over 115 years in service. They are the leaders in innovation and adapting to change and it shows in their ability to stay at the top of their competitors. There are still areas for innovation and Ameriprise is a company that adapts and changes on a daily basis whether it is through updating software, advising clients on stock market changes, or adapting to always changing federal laws in the financial world. Current Innovative Capabilities Ameriprise Financial strives to be a supreme provider of retail financial services. The key is in the relationship advisors have with clients. It is centered on complete financial planning and advice. These relationships are developed and strengthened over many years. Ameriprise works with many generations of families because they appreciate the value and peace of mind Ameriprise offers over a lifetime. Their growth strategy is simple but also very powerful. This strategy is to serve more clients who are collecting capital and transitioning to retirement, deepen relationships with existing clients through complete advice and solutions, and further develop the advisor’s value proposition to continue to build...
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...REGULATORY GUIDE 90 Example Statement of Advice (SOA) for a limited financial advice scenario for a new client August 2005 REGULATORY GUIDE 90: EXAMPLE STATEMENT OF ADVICE What this guide is about This guide explains how and why we have developed an example Statement of Advice (SOA). The example SOA was developed in consultation with stakeholders, and we acknowledge their valuable contribution throughout the process. 1 2 This guide: (a) sets out the purpose of the example SOA (Section 1); (b) outlines the framework in which the example SOA was developed (Section 2); and (c) explains why certain information has been included, or not included, in the example SOA (Section 3). Note: For the example SOA, see Appendix B. For details of the financial advice scenario on which the example SOA is based, see Appendix A. This guide should be read in conjunction with guidance we have issued on how we will administer the SOA requirements, including: 3 (a) Policy Statement 175 Licensing: Financial product advisers— conduct and disclosure [PS 175]; (b) Licensing: The scope of the licensing regime: Financial product advice and dealing—An ASIC guide (November 2001, reissued May 2005); (c) Policy Statement 167 Licensing: Discretionary powers [PS 167]; (d) Policy Statement 168 Disclosure: Product Disclosure Statements (and other disclosure obligations) [PS 168]; (e) Media Release [MR 04-062] FSR disclosure to be clear, concise and effective (10...
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