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Wednesday, June 21, 2017

How to get a job In finance and accounting

It's not just financial institutions that need finance professionals, nearly all companies have a finance department and any business has a need for staff with financial skills. You may think it's not possible to get a job in the financial department of a large blue chip corporation without a degree, you would be wrong to jump to such a conclusion. You don’t need to have a degree or to spend years studying to get an accounting role or even a job in the finance industry itself.

Why finance? 

Did you know that more than half of FTSE 100 CEOs have a background in financial management, if you have aspirations to sit on the board of a large or corporation starting out in finance maybe your best bet. All companies need staff with finance skills, obtaining some financial qualifications maybe a good way to ensure job security and increased employability. 

The professional body for accounting technicians

The Professional Body for Accounting Technicians (AAT) say, their courses will give you the practical accounting and finance qualifications that all employers are looking for. Studying for a finance degree will take a minimum of three years and that is just at undergraduate level, the student loan burden means that by taking the university route you may end up paying for your education for many years to come.

Benefits of AAT

Many AAT courses and qualifications can be obtained within months. AAT courses are far more flexible than university courses, the flexibility of these courses means that you can gain qualifications whilst raising a family. If you are looking to change career completely you can continue in your current role, if you are a school leaver you can take a junior accounting role and gain accounting work experience whilst you study. 

With an AAT course you will be able to acquire a wide range of accounting knowledge, a degree course may focus on just one aspect of accounting. An AAT course could cover a wider variety of disciplines and so will give you the edge over university graduates. AAT qualifications demonstrate the level of excellence and work-readiness that employers seek. 


Apprenticeships have been heavily promoted by the UK government in recent years, they are popular because they can offer school leavers a debt-free, direct route into a professional job and well paid employment.Completing an accounting apprenticeship means you will qualify faster whilst being in work as opposed to being at university. 

The next step in your career

AAT courses are suitable for people from all walks of life, you maybe looking for an alternative to longer, more expensive university education, looking for a completely different career or maybe you already work in a finance role and are looking to progress your career further. AAT says, their accounting qualifications offer a highly respected foundation which will even give you the potential to move into chartered accountancy. 

Internationally recognised

AAT qualifications are internationally recognised and AAT courses are offered around the world, if you gain AAT qualifications in the UK you will have no trouble finding employment abroad. You may even be able to increase your knowledge and qualifications or progress your career further should you wish to travel or emigrate.

About the author: This post was written and supplied on behalf of Souters Bookkeeping College, Souters offers of AAT Courses in London.

Image: Author owned and licensed

Monday, May 29, 2017

Tips to invest in vineyard real estate


Are you a wine aficionado? Do you also love to invest and keep your portfolio diversified? Well then, you might want to think about investing in vineyard real estate. When it comes to making investments, many entrepreneurs abide by the mantra “the key to success in business is to invest in your passion”. Wine enthusiasts could see this as an opportunity to make money with their hobby. You don’t need to be an expert to make a profit, but you do have to know the market.

Over the past few years. We’ve seen lots of investors look for alternatives ways to diversify their portfolios. Bonds and stocks are overrated, and it’s just because they’re risky. Investing in wine has a special allure, because in the event that you fail, you can always drink your bottles.

The challenges and how to overcome them

Wine investing has its fair share of challenges. For starters, you rely on Mother Nature to provide you with the best assortments. And then there’s the storage part. The key is to make sensible choices. Read wine blogs and keep a close eye on fluctuations. Start with Liv-ex, and constantly watch the Robert Parker index. Also, it’s equally important to steer clear of unauthorized auction houses that claim to sell old bottles are very low prices. Consult with an experienced wine merchant to help you make sensible decisions.

Start small

A great place to start is to invest in a microplot. Co-founder of the acclaimed Vines of Mendoza, Michael Evans, welcomes investors to purchase their own vineyard. You can buy anywhere between 1 and 10 acres of wine land. After you make the buy, his team will handle the farming part. Basically, you only get the raw product and you don’t have to worry about anything else. You can either have the wine bottled and prepared for storage, or drink it. The good news is that you don’t have to worry about farming chores.

As far as price is concerned, Vines of Mendoza costs between $100,000/acre and $800,000. On average, investors buy about 3 acres. The price varies in time. For this amount, one microplot can make between 6,000 and 12,000 wine bottles. If the amount seems too much, you should know that in Napa Valley, for $150,000 you get 1/5 wine barrel and some insights into the wine-making process.


Only invest in what you can afford of lose

Smaller investors who don’t have $100,000 to spare, should stick to $10,000. It’s best to invest in what you can afford to lose. Wine may not seem like the most trustworthy form of alternative investment, and since there are risks associated, you should play it safe; especially in the beginning. Grade wine can become a valuable commodity, however for your investment to pay off you need to wait about 5 years.

If you’re new to wine investing, it’s smart to stick with renowned wines, such as Bordeaux wines. It is your best bet that your investment will pay off. Look for provenance and certainly before making a final choice, choose wines with a proven track record. For example, some of the best are first-growth Bordeaux. Mouton Rothschild, Margaux Latour, Chateau Lafite, and Haut-Brion are ideal choices.

Over the past few years, Rohne and Burgundy varieties have also performed pretty well. If you’re a fan of Italian investment grade wines, Super Tuscan wines are the best: Tignanello, Sassicaia, and Ornellaia. Keep in mind that it’s always best to invest in wines that you can actually afford to buy. Also, don’t forget about storage. Proper storage conditions will make sure your cases are kept safe for an extended period of time. On average, be prepared to pay about $18/case, per year.


Constant price check

Do a check on the price constantly, and remember that fluctuations are normal. When you’re all set to buy, spend some time shopping around and check for the best offers. Visit wine-searcher for more information, or Liv-ex; these are global markets with extremely precise price ranges.

We know that it’s fun and thrilling to buy wine and invest in vineyard real estate. But it’s very important to take things one step at the time. Quality and provenance are of the utmost importance.

Images: Licensed by author

Monday, May 15, 2017

Get out of debt with United Debt Counselors

Struggling with paying off debt is a common problem for numerous people and can sometimes have disastrous consequences. If you're looking to become debt free within three years, United Debt Counselors may have the solution for you.

United Debt Counselors is a debt relief company based in Frisco, Texas. It specializes in negotiating down lower balances on unsecured debts.

The founder David Melrose, started the company over 7 years ago. Inspired to start the business after being the son of a single mother who struggled with her credit card debts, he knows the devastating effects money problems can have on individuals and their families. After his schooling, Melrose’s wish was to help other Americans in similar tough financial situations.

Corinne Maples serves as the Senior Vice President of the company. She has over 14 years’ experience in financial services, customer service, and in the general operation of running a company like United Debt Counselors. Some of her accomplishments are the formation of the company's compliance and operations departments and overseeing the legal, IT, scheduling, human resources, and operations departments. Maples has always been passionate about helping the 'little guy'. In fact, the company's motto is "Score one for the Average Joe". She knows that many Americans struggle daily with debt and it gives her immense pleasure knowing she can help out individuals who really need it.

Corinne starts each morning getting her kids ready for school, then creates a handwritten checklist for what she wants herself and her employees to accomplish that day. When she leaves the office with all the items crossed off, she knows it has been a good day. She is a great believer in 'mindset'. If you believe it, you can do it. Set your goals and work hard to achieve them. Helping her clients achieve debt free status and knowing she is changing people's lives for the better is one of the greatest rewards of her job.

If you are battling with debt and your family is suffering as a result, call United Debt Counselors today or visit www.uniteddebtcounselors.com and take advantage of a free consultation by calling 1-866-544-3852. Let their dedicated team of employees at United Debt Counselors help you eliminate your debts forever.

Image: CC BY-SA 3.0; Nick Youngson

Thursday, May 4, 2017

Forget pawn shops-Use your car title to get a fast loan

Are you on the hunt for cash? Are you looking to make some money without hauling all of your beloved possessions off to the nearest pawn shop? Well, if you happen to be the owner a vehicle, you're in luck! You can use the title of your car to obtain a loan. This process can be fast and easy. Check out how you can do it below!

What is a car title loan?

A car title loan is a quick way to get cash. All you need is your auto loan title. A creditor accepts your auto loan title as collateral for your loan. This does not mean you give up your vehicle! Rather, it means your creditor can claim your car if you happen to default on your loan. However, if you plan ahead, this shouldn't happen.

What do you need?

In truth, all you need for an auto title loan is ownership of a vehicle that is fully paid off. This is because your creditor can't lay claim on the vehicle if you are still paying off the vehicle to a third party. However, to get the best possible car title loan, you will also want a few other things. First, you will want good credit. If you have a history of paying your bills on time, you can receive a better interest rate on your car title loan. Second, you will want to have a plan to pay off your car title loan. This will prevent you from experiencing problems later one.

Why is a car title loan better than a pawn shop?

The answer to this is simple! You don't need to give anything up. At a pawn shop, you must turn the item over to the pawn dealer. However, with a car title loan, you can still use your car. You will only need to turn over the car title. You will be free to continue to use your car to get to work, go to the movies, take a trip, and more.

When should you consider a car title loan?

There are some events where a car title loan is a good fit. Perhaps the most common reasons involve automotive repairs. If you can't afford to fix your vehicle, your car isn't doing you much good. A car title loan allows you to get the cash needed to fix your car. In the worst case scenario, you will lose your car. However, if your car was broken before your loan, you are actually no worse off than you were before.

Things to keep in mind

Resist the temptation to use a car title loan to acquire money for random purposes. Also, do your research. Remember, the ownership of your car is on the line. You will want that money to go towards practical purposes. Also, shop around first to try and find great rates. Finally, remember that the holder of your car title loan might be able to make stipulations on how you can use your vehicle. The vehicle is your creditor's protection. He or she will not want you to reduce the car's value through abusing it. 

If you are looking to ditch the pawn shop for some fast cash, a car title loan might be in your future. See if one is right for you today!

Image: Ken Teegardin/Flickr, CC BY-SA 2.0