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