Hello, I am looking for someone to write an essay on Personal Finance. It needs to be at least 1500 words.Download file to see previous pages... For example, if demand for properties has gone up latel

Hello, I am looking for someone to write an essay on Personal Finance. It needs to be at least 1500 words.

For example, if demand for properties has gone up lately, hence mortgage rates will increase then. With the fixed rate deal, she could avoid such a risk. However, if she plans to repay the borrowed money faster than 2 years, which means short term financing. hence other financing opportunities may involve lower costs. Such as taking bank overdrafts (i.e. 5.90% at Alliance &amp. Leicester Premier Direct1)

or trade credits. trade credits is an available option if she borrows between 30 to 90 days and it's profitable for Jane since it does not include any interest charges. However, she must have a good credit record. Additionally, since the globalisation, deregulation of financial markets as well as technological advancements, customers around the world have now easier access to obtain finance around the world. which offers Jane an opportunity to choose the lowest rate possible.

A good credit history enables Jane to reach a larger amount of financing opportunities. As illustrated above, trade credit does not involve any interest rates. however the customer should keep a good credit record. To ensure a good credit history, Jane should control her payments. such as ensuring that debts are paid by their due date, etc.

Jane should gain information of the level of control of the lender. ...

Both Annie and Gareth acquire a 10,000 lump sum. If they each put the 10,000 into a savings account paying 6% AER gross for one year, how much net interest would each of them receive after one year (50 words))

6% of Pound Sterling 10,000= Pound Sterling 600

Tax is 20% on interest payable

So, Pound Sterling 600-20%(Pound Sterling 120) = Pound Sterling 480

Hence, the net interest rate is 4.8%.

If the inflation rate had been 3.5% over the year, what would be the real value of both Annie's and Gareth's total savings after one year (60 words)

Real value equals to nominal interest rates minus inflation rate:

4.8% - 3.5= 1.3%

10,000+1.3%= 10,130

10,130 x 2= 20,260 (both Annie and Gareth)

Annie is considering using her 10,000 to purchase shares in a large blue-chip company instead, with the idea that she would sell the shares after one year in order to purchase a car. Briefly outline the key factors that Annie should think about before making such an equity based investment.

She should research about the company first. The risk involved of investing there, such as examining the company's financial performance, such as its balance sheet, cash flow, revenue statement, etc. How long the company has been established, is there any negative publicity, etc. These points assist Jane to avoid the risk of loosing her funds.

She should also identify other opportunities, such as other companies which would be more profitable to invest in, such as established companies. i.e. Apple, Sony, etc. Additionally, she could also use her 10,000 to establish her own little business or join a partnership, etc. depending which one is more profitable and involves less risk.

Moreover, she should also consider the flexibility of the company.