I have a company 401k and we are offered the services of Financial Engines "Personal Asset Manager". This service's fee is 0.6% of your account balance per year and advertises to provide the following:

"When you enroll in the Personal Asset Manager program, you get peace of mind knowing that professionals are managing your investments for you. You also get toll-free access to Investment Advisor Representatives who can help with any questions you may have."

Is this worth the fee?

It depends. If you know nothing about investing you are probably better off, but if you know about risk and how to balance your own portfolio, you should retain control of your money (includuing the .6% fee they are trying to take).
They offer no guarentees.

I got a call from these people and they offered to call my credit card company to save me $3000 by lowering my interest rate. I did not give them my credit card information. I told them I would check them out and call them back. I checked out the BBB and they were not registered with them. They did not have any complaints against them however. When asked what was in it for them, she said they somehow get their cut from the interest money they save you. She called out of the blue so you can understand my skepticism. Any info. would be appreciated. Thanks.

Check with your local bank and maybe call the State Attorney Generals office.

What is the difference between Corporate finance major and a Financial Services major? And which one has more job opportunities? Can anyone explain it to me? Thanks!

I guess your school seperates the two – most just have Finance majors. The difference amounts to where you would like to work – Financial Services would mean you intended on working for a bank, investment bank, hedge fun, Private Equity firm, Venture Capital, Asset Manager, etc – essentially working on Wall Street.

Corporate Finance jobs are finance jobs inside of a company that produces a product or service other than investing money.

Despite all your efforts of savings and earning a decent paycheck, you may be stuck in a situation where you require additional finances to support you. What would you do? Ask a friend or relative? There is another alternative that you can opt for if you are facing dearth of finances, which is available in the form of personal loan.

As the name suggests personal needs can be fulfilled by accessing these loans. These personal needs include:

â?¢Purchase of home or car

â?¢Purchase of computer

â?¢Cosmetic surgery

â?¢Funeral

â?¢Wedding

â?¢Debt consolidation

You can opt fore either of the two options of personal loan in accordance to your fiscal requirements. Two options of personal loan include:

â?¢Secured

â?¢Unsecured

Secured personal loan is accessible against a securable property, which is serves as guarantee. Although other forms of guarantee such as jewellery etc also exist but home is the most preferred form of guarantee by lenders. Presence of a security is beneficial in fetching you feasible rate of interests on your loan amount.

Unsecured personal loan can be obtained without a guarantee. This feature makes unsecured loan for personal needs suitable for tenants as well as those homeowners who do not want to risk their property. This option of personal loan is tagged with a comparatively higher rate of interest.

Are you planning to apply for a personal loan ? The routine way to apply for a loan can be quite cumbersome with a pile of paperwork to do, besides finding a suitable lender. If you are internet savvy, you have an alternative to apply for a loan online, which can help you to cascade over tedious routine approach.

Gamut of online personal loan arrangers are accessible which can serve your requirement for a loan. Most of these online loan arrangers offer the service of free no obligation loan quote service, which can give an idea of the competitive loan deals available for you. If you need professional financial advice, even the facility of getting the expertise of loan advisors on matters concerning loan is also made available by these online arrangers.

Before you go ahead with availing the services of these online loan arrangers, thoroughly read their terms and conditions of use. This approach can help you to cascade over any prospective confusion which may arise from procurement of the loan.

Gilbert Noble
http://www.articlesbase.com/loans-articles/transcend-financial-responsibilities-with-personal-loan-130773.html

Chances are, if you are interested in this topic, you are single, lonesome, and looking for your soulmate. Perhaps you’re tired of trying to meet people to date at work, in malls, at the supermarket or wherever it is that you go during your leisure time. Maybe it is time for you to try free online dating services.

There are numerous websites that provide free online dating services but not all of them deliver on their promises. As is true with all online services, you have to take their statements with a grain of salt. But if you happen to find a good dating service, the rewards can be significant since this will literally open millions of doors (and hearts) to you.

The key to surviving the online dating game is to enter it cautiously. You can’t seriously expect whoever it is you choose to date to fall head over heels in love with you from the first email (unless you happen to get lucky, in which case, congratulations!) But if you are like most online daters, the process for you will take time, energy and patience.

The nice thing about some paying sites is that they offer a free trial period before you spend a single cent on their service. Other sites are completely free but deluge you with advertisements. So you have to pick and choose.

It is normal to be slightly apprehensive before entering into online dating. But the practice is becoming more and more acceptable since not everyone has the financial resources or the time to keep socializing via the regular route. People now want increased control over their dating habits.

Online dating is easier than regular dating because you get to choose who you want to converse with and when. There is more variety to choose from, and frequently you can already read what your online partner likes or dislikes. So it is easier to select individuals you can share your interests with.

You get to know another person’s personality via email and phone without having to spend on going out at all.

And if you do not like the person you are talking to? Just log off and turn off your computer. Or hang up the phone. It’s that simple.

According to one website, more than $300 million goes towards online dating in the United States alone. That is expected to increase to $600 million in the near future. More than 700 dating sites now exist online, with new ones being set up weekly.

As Internet access becomes faster and it becomes easier to navigate online, more and more people are choosing to socialize on the Internet. You do not even have to be considering a serious relationship yet when you join the fun, some people just want to meet new people and make new friends.

How do you guarantee that you will make a connection through online dating? Well, you have to be honest about your motives from the start, people will eventually find out the truth about you anyway. Build a quality profile online which will help show viewers and readers of the level of your interest in dating.

Post one of your better looking photos, one of the more flattering ones. This will help whoever’s watching to get a realistic idea of what you look like.

When scanning profiles set by other people, try to select individuals who are interested in the same kind of relationship. If you are searching for someone to have a serious relationship with, do not answer ads for those who are just looking for a good time.

After you have connected with someone online, do not give in to the temptation of rushing into an in-person date yet. Try to talk to the person you have met online via the telephone at least one or two times before setting up a face-to-face meeting. This will help you two to get to know one another better.

And that is it! You are ready to dive in and take advantage of the many free online dating sites out there. Take care and enjoy!

Dave Poon
http://www.articlesbase.com/dating-articles/a-guide-to-free-online-dating-services-52915.html