The Master in Financial Management and Exchange offered by Encyclopedic EFEM-Master is an opportunity for those who for reasons of time does not have sufficient availability to carry an entire course.

Financial Management
This master is given away, so that your character is non-attendance, however, as all courses must meet a certain number of hours, in this case total 1060 in this course which is being established within the Masters and Postgraduates.

There is a special promotion for the Masters, which is a subsidy of the costs, whereas by the title, this is issued by each university where the course leads to which access only students who are in Spain, and to test their university studies completed. Read the rest of this entry »

Mathematically, a ratio is one reason, ie the relationship between two numbers. They are a set of indexes, a result of linking two counts of Balance or Statement of Profit and Loss. The ratios provide information to make sound decisions to those interested in the company, whether their owners, bankers, consultants, trainers, government, etc.

For example, comparing current assets to current liabilities, we will know what is the capacity to pay of the company and whether it is sufficient to account for obligations to third parties. They help determine the magnitude and direction of the changes in the company for a period of time. Fundamentally, the ratios are divided into four main groups.

- Indices of liquidity. Evaluate the company’s ability to meet its short-term commitments.

- Management Indices or activity. Measure the use of assets and net sales compared to total assets, tangible fixed assets, current assets or items that composed. Read the rest of this entry »

Many couples have differences when it comes to money. If you are not part of the exceptions that prove the rules, please read the following article.

Speaking of money
If your partner has always handled the bulk of economic issues may seem difficult for you to get involved in it. The first step is to start a conversation with your spouse about your desire to know more about the assets and debts of the house, and to shared decision making.

Ideally to start this conversation, is to choose a time and place without high levels of stress. Try to raise it in a positive way, not in a tone of complaint or accusation appears.

Continuing
It’s never nice to think that something bad can happen to people who you love. However, you must be responsible and accept that your partner may, for any force majeure, not to continue intervening in financial management, so that all tasks would be in their hands.

Therefore, you need to have access to all records and financial documentation, as well as fast access to all account numbers where savings are deposited.

Read the rest of this entry »