Planning for Financial Freedom

Let’s admit that money is still one of the biggest issues in our life. We need money for almost everything and we work hard every day to earn money to cover our life. It would be great to have full control of our financial life that we can enjoy our life without thinking how to deal with financial burdens. Well, financial freedom sounds like too good to be true.

Actually, becoming financially independent isn’t impossible. There’re ways to reach it although it certainly won’t be easy. It takes good knowledge and understanding on finance, good analysis, and good strategy. You may lack of those things and for that, it would be better to have professional financial advisor to guide and help you through the process. If you are looking for a financial advisor to work with, it is highly recommended to choose the Money Smart Guy, Matt Sapaula. As a Vetrepreneur, he takes his military experience as ex-marine to become a successful entrepreneur and financial advisor. His professional practice in finance is dedicated to improve financial literacy among middle class and to help individual and families to take control of their financial life.

Money Smart Company founded and run by Sapaula has various programs for those who want to improve their financial literacy and reach financial freedom. You can find complete information about the programs from the official website. There you can find exclusive program of financial coaching with one-on-one session with Sapaula. The session will provide you opportunity to let the Money Smart Guy analyses your situation and help preparing the right plan and strategy for your short term and long term goals. You can also join other programs to prepare you manage financial life in smarter way. Future is coming faster than you think. Be well prepared for it.

An Online Economics Degree Rocks

Economics is a social science that studies the consumption, distribution, and production of goods and services. The individuals who assist in the financial planning of organizations, interpret economic trends, make long-term and short-term economic forecasts, provide risk assessments, and. track them in the market are referred to as Economists. Many of these economists work in education and research, as well as for government agencies or in the private consulting arena.

The large variety of Economics Degrees online will oftentimes range from the broad-focused Associates and Bachelors Degree to the more specialized Masters Degree programs. Areas such as corporate finance, international economics, and risk assessment are some of the more specialized fields of study where the Masters programs are concerned. A bachelor’s degree in economics is the best foundation for graduate studies in business, finance, law, or management.

Benefits of Earning an Economics Online Degree

Aside from convenience, flexibility in scheduling, and cost-effectiveness, getting your Economics Degree online is beneficial in so many other ways. First of all, there is no commuting, parking hassles, and overcrowded classrooms to deal with. You earn your degree in the comfort of you own home. If you’re a single mom, you save on childcare costs because you are going to school at home.

Learning resources are readily accessible when you are earning an Economics online degree and you are able to learn at the pace you set, not an instructor’s. Additionally, if there are certain disability issues, these are relegated to the status of non-factor when you are earning your Economics degree online. Accredited online college degrees are a great equalizer because you are able to work with your fellow classmates without any regard for appearance, ethnicity, race, sex, or other possible prejudices.

Most importantly, when you earn your Economics Degree online, whether it is the basic degree or you are furthering your education in the field, it enables you to advance your career and can ultimately lead to an increase in your annual salary. Additionally, getting a degree online broadens your perspective considering that you may be interacting with students all around the world while engaged in your education.

Top-Rated Economics Degrees Online

Online degrees in economics will vary depending on the focus and level of the degree program that you’ve chosen to undertake. The higher up the degree ladder you climb, the more specialized the focus becomes. Listed below are the six most common Economics online degrees that students are currently enrolling in:

Associate in Arts in Economics
BA/Social Science – Economics
Bachelor of Science in Economic – Crime Investigation
BS in Business – Economics
Master of Science in Economic – Crime Management
Doctoral Program in Economics

There are dozens of other curriculum available where earning your Economics Degree online is concerned, but these are at the top of the list for the most sought after degrees online in the field of Economics. For more information and other degree possibilities, you should investigate the degree programs offered at the many online accredited degree programs to see what is available.

Economic Disadvantage

To qualify for participation in the 8(a) Business Development Program, a business must first meet SBA’s Size Standards, prove Social Disadvantage and prove Economic Disadvantage. In another article I cover where to go to find the size standards for your business and the reason for those standards.

In my experience, I’ve found that small business owners fall distinctly into one of two camps:

1. They have lots of income and assets and we are reviewing the tax returns and personal financial statement with a fine-toothed comb to ensure they are economically disadvantaged, or

2. They have no problem at all proving themselves economically disadvantaged because they withdrew retirement funds, drained savings accounts and borrowed home equity to get the business started and to keep it running.

It is this second camp that I’ll be addressing today. The reason is because there is a fine line between proving economic disadvantage and proving the “potential for success” that is the basis for approval for any business to be considered into the 8(a) Business Development Program.

With the February 11, revisions that went into effect on March 14, 2011, there are now objective criteria to determine economic disadvantage based on personal income and total assets. Those criteria are:

* Adjusted Net Worth – must not exceed $250,000 for initial eligibility or $750,000 for continued eligibility
* Personal Income – must not exceed $250,000 (averaged over three years) for initial eligibility or $350,000 for continued eligibility
* Total Assets – must not exceed $4MM for initial eligibility and $6MM for continued eligibility, IRA’s are excluded from Net Worth and Total Asset calculations

Proving that you are destitute is counter-productive to being approved for acceptance into the 8(a) Program. If you are flat broke, how can you successfully compete in the federal marketplace? How can you obtain the working capital you’ll need to support a contract? The thing to remember is that Size Standards apply to your business, but Social and Economic Disadvantage are based on YOU, the 51% or better owner in the business. So in your narrative – one is required by the way – address your economic disadvantages based on each of the aforementioned criteria, but, more importantly, address the business’ economic advantages.

If you and another business have a strategic partnership whereby you provide services for them and they provide equipment for you, mention than. If your business has a vendor that provides you with generous terms, then outline those. And, of course, if the business had a working capital LOC with a bank, detail that account relationship. All of these things will prove to the certifying agency that you meet the requirements, yet you still have that all important “Potential for Success” in the 8(a) Business Development Program.

Erik R Johnson Platinum Quality Author Platinum Author | 866 Articles Joined: August 2, 2009 United States Spotlight on Economics Courses

Economics is one of the busiest terms that are widely used in almost every industry. As per the dictionary meaning it can be defined as the branch of social science that basically deals with the manufacture, delivery and consumption of goods and services and their effective management. Today the term is more than a mere branch of science and primarily defines a bold approach to resolve the multi-dimensional problems that the nation usually faces. These days the study of economics is mostly used to develop plans that can help in eradicating unemployment, poverty and conquer problems such as recession, inflation and adverse balance of payments etc.

The knowledge of economics is widely being used for accelerating growth in the economies of world. It is used for achievement and maintenance of growth with stability. In fact, the best benefit of studying economics is it provides you with right knowledge about the impact of developments in society, business and the world economy. In the last few years, economics has produced some of the most attractive career fields like Business Economics, Industrial Economics, Labor Economics, Agricultural Economics and many more. As a result, the ratio of colleges offering courses in economics has increased phenomenally in the last few years. The courses in the economics are among the most prestigious and many students are enrolling for bachelor’s or master’s programs emphasizing on specialization on different economic fields.

The economic courses that you study generally differ depending upon the college or degree that you choose. While for a master’s degree, the course cover subjects such as, econometrics, advanced economic theory and labor economics, the undergraduate courses on other hand basically include macroeconomics, microeconomics and econometrics. Though the application of this course is of universal nature, but the jobs are open in all sectors of an economy.

Today students who have completed a course in economics are in high demand in financial institutions. Many international trade bodies, investment planning organizations along with leading management consultants are recruiting economics graduates. In terms of career growth, once you complete the course in economics, you can hold some of the most prestigious jobs like senior analysts, senior economists, economic advisor or economics associates. Moreover, you can also begin your career in investment firms, newspapers and business journals. Some of the other segments that provide opportunities for economics academicians are urban development and resource planning. Besides this, those who carry a deep interest in the higher studies can opt for doctorate courses and in this manner aim to take higher position.

Today the ratio of students opting for economic courses is growing number, and will continue in the next few years. So if you have an interest, and necessary skills or thinking, a career in the economics field would be a brilliant choice.