Business University – Intellectual Hubs for Business and Finance Students

Finding a business university that meets all the needs of its students can be a difficult challenge for prospective undergraduates and postgraduates. Scholars with a natural flair and a passion to forge a career in business and finance will undoubtedly know that the City of London remains the intellectual and commercial hub of global finance.

Studying at a London business university gives students versatility with some of the widest portfolios of BA and Masters programmes in Europe. London attracts students from all four corners of the globe, and its universities serve the needs of professionals and companies through management education and by stimulating research and debate on key issues facing international business and finance.

Many London business universities focus on attracting the leaders of tomorrow into their undergraduate and Masters programmes, as well as some of the best international talent into MBA and PhD programmes.

Research is a crucial factor in any teaching institution and prospective students should consider a business university that undertakes research of national and international significance to its students.

The beauty of studying in London is that financial institutions have strong relationships with the city, creating a virtuous circle of learning. Students can benefit from the experience of business, and business benefits from the quality of a university’s academic thinking and research.

As a result of its business and commercial growth, London remains the most populous city and metropolitan area within the European Union. A London business university can provide a great balance between an enlightening education and the thrill of living in a city that’s home to a diverse range of cultures, and religions, speaking over 300 different languages.

Accounts Receivable Factoring And Financing

Accounts receivable factoring is one of the most flexible and immediate financing solutions available to small and medium size business owners to obtain immediate working capital to meet its current financial obligations and accommodate other business needs which can be utilized to purchase inventory and equipment as well as freeing up cash flow to bid on new contracts.

Accounts receivable factoring enables a business to reduce the amount of cash balances outstanding it has with its clients which enables the business to have more cash on hand which allows the business to put to use the cash into investment which spurs the company’s growth.

A great deal of business have cash flow structure that vary greatly. Many business experience seasonal productivity where some months are extremely busy where some months are the opposite. Regardless of the seasonality of the business, even when a business is undergoing its unproductive months, the business is still required to meet payroll, overhead and other business expenses.

Because of this fact, many companies must maintain a cash balance on hand to meet these obligations and utilize Accounts receivable factoring to sell these outstanding invoices for cash rather than waiting 30, 60, 90 business days to receive their cash for services and products rendered.

Accounts receivable factoring varies greatly from traditional financing because the most important factor in funding is always the credit worthiness of the debtor. In contrast, the fundamental emphasis in a traditional bank lending funding relationship is always on the creditworthiness and financial history of the borrower, not that of the business clients.

The greatest value of Accounts receivable factoring is that it provides business owners the ability to turn the business around and generate higher profits and margins. It also allows the business to bid on opportunities and generate new business that otherwise would have had to be turned down because it did not have the cash on hand to meet the inventory, service and product needs.

As banks continue to be highly restrictive in their lending underwriting, Accounts receivable factoring will enable small and medium size business owners obtain the cash flow they need to grow their business and finance their growth and prosperity.

Today many factoring companies continue to advance funds to small and medium size business whose clients are more credit worthy organizations and contract with Government. While the vast majority of accounts receivable factoring firms never take possession of the goods and services their factoring clients sell, sold, factors offer a host of financial advice when advancing funds.

Accounts receivable factoring firms provide key services to their clients: detailed information on the creditworthiness of the clients whose accounts they will factor, reports on the collection of the invoice, as well as making the actual collection calls for the service and products rendered.

The Best Finance App

The best finance app, in my opinion, is Mint.com’s mobile app. Here is a list of its features and finance app alternatives if you prefer to use an app other than Mint.com.

Mint.com (Free)

I have been using mint for a long time now and believe it is the best finance app. Intuit bought this web site a while back so it is very secure, using bank level encryption.

Mint gives you a quick overview of your finances, which you can put on one of your main screens in the form of a widget. The widget will show your current cash amount and your credit debt. It will also show you the last time your information was updated, so you can be sure that you are looking at the most recent information.

Once you set up a monthly budget, you can access it with the app to make sure you are staying on track for the month. Mint is very good at knowing how to categorize your transactions for budgeting purposes and it will let you know if it does not know how to categorize a transaction.

The app automatically gives you alerts for various things, which include the availability of large deposits, what bills will are due in the next few days, etc.

You can get a very general picture of you investments with this app. By that, I mean if you simply want to know the balance of you accounts, you will be happy with this app. If you want to get more information about the performance of specific investments, you will need to go to the website.

To set up this app, I would suggest you log on to the main website to input all of you account information and set your budget. Once that is completed, you simply download the app, log in, and all your accounts are ready to go.

Adaptu Wallet (Currently Free)

Adaptu Wallet has many unique features like tracking loyal programs and creating spending forecasts. The app also allows you to store photos of insurance and business cards, which will decrease the clutter inside your wallet. The app is currently free, but the word on the street is they will start charging for usage sometime in 2012.

Pageonce (Free or $4.99 for Gold version)

Pageonce arguably has the best interface of all the finance apps. Your key account balances are placed in thumbnails that appear on the home screen. Contrary to popular belief, this app does provide PayPal support even though many claim it doesn’t. Balance updates are not as fast as Mint.com or Adaptu, some transactions take days to update. The Gold version has the useful ability to pay bills directly from the app, and this is the only finance app that can do this. The gold version also removes all the ads from your app.

Be Prepared for the Problems in Used Car Financing With Solutions Before You Start

Financing properly is more important in financing a used car than when buying a new car. Most problems that occur in buying a used car are due to there being a problem connected with the financing. Getting the used car financing worked out properly is the key to a successful used car purchase.

Most buyers aren’t aware of how important the paper work is to making the deal a successful one or a failure. They view it as paperwork that should be completed as quickly as possible so they can drive away in their new car.

To start with, it’s very important to get the deal agreed upon by the salesman to be put in writing in the contract. This often involves determining monthly auto loan payments based on an interest rate. Sometimes, the interest rate a customer qualifies for is inflated so the dealership can make extra profit.

This headache can easily be avoided by obtaining independent vehicle financing before going to the dealership. This means the consumer can proceed as a “cash buyer” and negotiate only the price of the car. Car salesmen prefer customers to be “monthly payment” buyers because, in this way, it is easier to obscure the total cost of the vehicle.

Independent car financing can be obtained from a bank, credit union or on-line lender. With the popularity of the internet, applying for used car refinance is proving to be simple and very easy to do. Many on line lenders respond very quickly – sometimes as short as 15 minutes by email or telephone. If the application is approved, the borrower is given a credit limit at an established interest rate. Sometimes a blank bank check is issued with no obligation to use it.

“For the majority of consumers, even if you know you have good credit, there is a little apprehension and tension around applying,” one lender said. “So instead of going into a dealership and giving them your information and being sent to the coffee machine to wait for an answer, you can apply on-line, 24/7.”

Most people familiar with how used car dealerships operate confirm that obtaining independent car financing is beneficial to most consumers. .

The most common problems that have a negative impact on a person trying to finance a used car –and their solutions – to ensure that things go smoothly are the following:

Problem #1: Many consumers don’t know what their credit rating is when they apply for an auto loan. The strength of their credit score largely determines what kind of interest rate they will receive. Therefore, it’s critical to make sure your credit report is in the best shape possible before shopping for a car.

SOLUTION: Order a copy of your credit report and look for items that may stand in the way of you getting a good rate. Correct any issues or errors promptly. Are all of your lines of credit in good standing? Are there any signs of identity theft? The credit bureaus will tell you how to correct errors when they send you the report. The following numbers and Web site addresses will assist you in checking your credit.

Top 5 iPad Finance Apps for Business

The past two years have been a whirlwind in mobile computing and people are embracing these new devices, like the iPad, at breakneck speeds. Apple’s Fourth Quarter revenues jumped 21 percent from a year ago, including the sale of over 11 million iPads. It’s clear that the huge advances in mobile devices are not only changing how we live our personal lives but also how we do business. For business, especially small business, some of the biggest advantages are coming from the app world. If you want to make your business finances a breeze, check out these apps:

1. Square: Credit card transactions have never been easier. The developers of this free app will send you an actual credit card reader that plugs into your iPad. It’s secure, easy, mobile, and even has built in analytics to track sales, collect tips and tax, and send electronic receipts via email or text. There is no need to delay the payment process anymore. Oh, and they only charge a 2.75% transaction fee: no contracts, fees, or merchant accounts necessary.

2. Expensify has the traveling business world in an uproar. The features of this app are impressive at the least: sync banking information to track purchases in real time, digitize receipts to reduce the chance of losing them (just snap a picture and the app will discern and note the necessary info), customize and email reports for approval, and be reimbursed to your checking account. You’ll be your accountant’s best friend with the organization and ease provided by this app.

3. Time Master + Billing: With a 4 star rating in the app store, this app sets the bar for time and expense tracking. The overall best feature is flexibility to be customized to fit how you work – rounding minutes, multiple running timers, billing rates, expenses, client project/tasks, and so many more options. There are even additional modules available to include invoicing, QuickBooks export, and wireless sync between mobile devices.

4. Intuit GoPayment Credit Card Terminal: Similar to Square but a little bit more involved. It’s also a free app, but you have to jump through a few more hoops (AKA a 15 minute application process) to be approved to use this service. However, if you’re looking for a proven brand name, this may be for you.

5. QuickBooks Connect: This is a great supplement to your QuickBooks Online subscription (QuickBooks 2011 users you’ll have to get a paid subscription to use this app past 30 days). Manage customer information and balances; create invoices and sales receipts; convert estimates to invoices; email estimates, invoices, and sales receipts and more with this handy app.

Mobile computing can make all the difference in the efficiency of your business. Look for the bottlenecks in your financial administration and ask yourself, is there an app for that?

Kristi Daeda is an online marketing strategist that works with companies nationwide to define and execute powerful online marketing strategies. Read more about her thoughts on online marketing at her website [http://www.powerhousestrategy.com] or as featured on Mobile Apps Designers.