Finance Program

Pat Flynn - SmartPassiveIncome.com - studied website design, affiliate programs, and shared for free, grew an audience that trusted him. Later, wrote Powerup Podcasting course.

Sloane Alex - built a TikTok following with beauty videos, and then pivoted to teaching cash flow startups on social media, which even further fueled her success. Grew a support-environment of enabled young women. Empowering Girls to believe in themselves, overcome negative thinking, obstacles, bullying, detractors, envy, find themselves, develop a plan, chase their dreams, start a business, succeed in school, make friends.

Finance Longtail Keywords

Finance Certificates

Self-Made Billionaire

Carl Icahn

Peter Lynch

Finance Curriculum

• Underwriting: Facilitating new securities issues.
• Mergers and acquisitions (M&A): Advising on corporate restructuring.
• Debt and equity financing: Raising capital for clients through financial markets.
• Financial advisory: Providing strategic advice on financial transactions.
• Valuation: Determining the value of companies and assets.

• Financial statement analysis: Evaluating company performance based on financial reports.
• Ratio analysis: Assessing financial health using key financial ratios.
• Forecasting: Predicting future financial outcomes based on historical data.
• Cost-volume-profit (CVP) analysis: Understanding cost behavior and its impact on profitability.
• Financial modeling: Building mathematical representations of financial scenarios.

• Budgeting and financial planning: Managing personal income and expenses.
• Investment strategies: Allocating savings into stocks, bonds, and other investments.
• Retirement planning: Saving and investing for future financial security.
• Tax planning: Minimizing tax liabilities through strategic financial decisions.
• Estate planning: Transferring wealth and assets to heirs.

• Market risk: Exposure to changes in market prices.
• Credit risk: Default risk associated with borrowers.
• Operational risk: Risks arising from internal processes, systems, and people.
• Liquidity risk: Ability to meet short-term financial obligations.
• Systemic risk: Risks affecting the entire financial system.

• Foreign exchange markets: Trading currencies and managing exchange rate risk.
• International trade finance: Financing and managing risks in cross-border trade.
• Global capital markets: Accessing international financial markets for capital.
• Political and country risk: Assessing risks associated with international political and economic conditions.
• Multinational corporate finance: Financial management in a global business environment.

• Blockchain technology: Applications in finance, including cryptocurrencies and smart contracts.
• Financial innovation: Developing new technologies to improve financial services.
• Regulatory technology (RegTech): Using technology to ensure compliance with financial regulations.
• Big data analytics: Leveraging large datasets to make informed financial decisions.
• Digital banking: Transforming traditional banking services through digital platforms and technologies.

Finance - Practice Tests

This section offers practice tests in several business areas. Each of the following multiple-choice tests has 10 questions to work on. No sign-up required, just straight to the test.

Money

can load a mastercard or AliPay etc.. UnionPay with funds directly, and can use for online purchases, skipping cash completely, ie, atm fees and low atm exchange rates. same with wiring money to PayPal account! and when lease or wish to buy, get bank involved, and wire funds to bank. also, can wire funds to Amazon or Alibaba and get computers, second-hand books, office chairs, etc. similarly, can invest in Google, Ethereum, other crypto, not necessarily to sit on it, although also can speculate, but rather to move and use funds. also online services, like transferwise.

INCOME STREAMS

TAXES, RETIREMENT

Investing

Taxes & Accounting

Student Credit Cards, Credit Scores

Student credit cards are easy to obtain via an online application, but monthly payments can be difficult to manage. As with most credit cards, the interest rates may be high, and there may be an annual fee to pay. Beyond this, however, be aware that the credit card company can raise your interest rates if you are late on even one payment. Student credit cards should be used as a last resort if you need to buy a computer for school, and have a steady job, or other regular income to pay off the credit card in full within a few months.

You can improve your credit score dramatically by securing credit cards, and then simply not using your credit line. Your credit score is a ratio of your total available credit to the amount of debt that you carry. For example, if you get more credit cards, and don't use the credit, your available credit has increased, but your debt load has remained constant. Banks and credit unions naturally offer the easiest credit to the borrowers who need it least, and have strict employment and earnings requirements. You may also be asked to list your assets, or seek a co-signer, if you don't have sufficient income to qualify for a credit card on your own.

When applying for a credit card, note that many cards promote no annual fee for the first year, but then hit you with a high annual fee in following years. You can also incur fees by taking out a cash advance, which is usually charged back at a higher interest rate, if not paid in full within the same billing period. You are told that you can get cash back on certain purchases, but no-one mentions that the interest charges over time may be higher in fact, than your savings. In addition, there are hidden transaction fees, and charges for using your credit card overseas. Using your credit card to buy things you don't really need, or to get cash advances, is just not smart financial planning. There are better ways to get the extra money that you need.

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