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Exam Code: FINRA FINRA Administered Qualification Examination book January 2024 by team

FINRA FINRA Administered Qualification Examination

Test Detail:
The FINRA Administered Qualification Examination is a series of exams administered by the Financial Industry Regulatory Authority (FINRA) for individuals seeking registration or licensure in the financial industry. These exams assess the knowledge and competence of individuals in various areas of the financial industry. Here is a detailed description of the test, including the number of questions and time allocation, course outline, test objectives, and test syllabus.

Number of Questions and Time:
The number of questions and time allocation for the FINRA Administered Qualification Examination can vary depending on the specific exam. Each test within the FINRA qualification program has its own set of requirements. It is important to refer to the specific test guidelines provided by FINRA for accurate information regarding the number of questions and time allocated for each exam.

Course Outline:
The course outline for the FINRA Administered Qualification Examination will depend on the specific test being taken. FINRA offers a range of exams covering different areas of the financial industry, such as securities licensing, investment banking, and regulatory compliance. Each test has its own course outline, which outlines the Topics and knowledge areas that candidates are expected to be familiar with.

Exam Objectives:
The test objectives for the FINRA Administered Qualification Examination are designed to assess candidates' knowledge and understanding of the relevant regulations, rules, and best practices in the financial industry. The specific objectives may vary depending on the test being taken. Generally, the test objectives aim to evaluate candidates' competence in areas such as:

1. Industry regulations and compliance
2. Ethical standards and professional conduct
3. Products and services offered in the financial industry
4. Investment strategies and analysis
5. Client relationship management and communication

Exam Syllabus:
The test syllabus for the FINRA Administered Qualification Examination will vary depending on the specific exam. The syllabus outlines the specific content areas, topics, and knowledge domains that candidates are expected to study and understand in preparation for the exam. The syllabus typically covers areas such as:

1. Regulatory framework and industry rules
2. Securities laws and regulations
3. Product knowledge (e.g., stocks, bonds, mutual funds)
4. Compliance and ethics
5. Risk management and suitability
6. Investment analysis and strategies
7. Client communication and relationship management

Candidates should consult the specific test resources and study materials provided by FINRA to ensure they are adequately prepared for the exam. It is recommended to allocate sufficient time for test preparation, including studying relevant regulatory materials, reviewing industry guidelines, and practicing with trial test questions.
FINRA Administered Qualification Examination
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D. Investment performance being inconsistent with the expectations provided by the investment
Answer: B
Question: 39
What occurs when parties engage in matching purchases?
A. A significant increase in outstanding shares
B. An artificial increase in the market value of a security
C. Small shareholders realize capital losses
D. The parties pay a lower commission
Answer: B
Question: 40
Under what circumstances may a registered agent represent multiple registered broker-dealers?
A. With written permission from the broker-dealers
B. When the broker-dealers are affiliated with each other
C. With written permission from the SEC
D. With written permission from FINRA
Answer: B
Question: 41
Which is not part of the criteria in the Investment Company Act of 1940 requirement for an
investment fund to be considered a mutual fund?
A. A minimum of 100 investors
B. A minimum of $100,000 in seed money
C. Must have sponsors, a board of directors, investment advisors, transfer agents and custodians
D. Must maintain a diversified portfolio that follows the 75-5-10 rule
Answer: D
Question: 42
What must happen before a mutual fund can assess 12B-1 fees to customers?
A. The fees must be approved by the SEC
B. A majority vote from the board of directors
C. A majority vote from the Board of Directors and the shareholders
D. Fees must be stated in the fund prospectus
Answer: C
Question: 43
Which type of investment sells bonds to investors as equity stakes?
A. Unit investment trust
B. Contractual plan
C. Face amount certificate
D. Front-end load contractual plan
Answer: A
Question: 44
Money market securities must mature in how many months?
A. 6
B. 12
C. 13
D. 24
Answer: C
Question: 45
settlement option for a variable annuity allows the annuitant to make withdrawals
Which type of
in any amount he chooses?
A. Unit refund life annuity
B. Joint and last survivor
C. Random withdrawal
D. Life with period certain
Answer: C
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People often confuse the role of a financial planner with other, similar jobs like financial advisors. While there are similarities between these jobs, there are key differences. A financial advisor generally helps people manage their money, while a financial planner develops personalized financial plans for their clients, including estate planning, saving for children's college expenses, and retirement planning.

Key Takeaways

  • Financial planners help people manage their money while sorting through their financial matters.
  • Finding clients and building a customer base is crucial to experiencing success as a financial planner.
  • Becoming a financial planner requires a bachelor's degree, along with courses in investments, taxes, estate planning, and risk management.
  • If you're comfortable with sales, are great with people, have excellent analytical and communication skills, and can work independently, financial planning may be right for you.
  • There is often a difference between a financial planner and a financial advisor. Financial planners focus on long-term goals while financial advisors take a more narrow view, helping individuals manage their money.

Both professionals may also differ regarding their educational backgrounds and designations. Financial planners may also have a special area of expertise. If you're thinking of becoming a financial planner, there are some key points you need to think about.

Do you have the right education and the skills necessary to be a success? Is this even the right career path for you? Read on to learn more about financial planning, and take our quiz to help you make a more informed decision.

Financial Planners: The Basics

Financial planners help people manage their money while sorting through their financial matters. Like financial advisors, they help their clients develop financial goals for the long term. These professionals assess their clients' stage of life, risk tolerance, and potential investments.

Financial planners also earn a living by helping people sort through and choose investments, insurance, and other financial products. Because many financial planners also specialize in specific areas, they may provide tailored services for their clients. Some of these services include—but aren't limited to—retirement planning, general investment analysis, estate planning, tax planning, and education planning.

Obtaining New Business

Finding clients who need those services and building a customer base is crucial to experiencing success as a financial planner because referrals from satisfied clients are an important source of new business. Whether you find new clients by giving seminars or lectures, through social or business contacts, or simply by cold calling, you must find them.

Having a broad social network is one reason many successful financial planners enter the field after working in a related occupation such as accountant, auditor, insurance sales agent, lawyer or securities, commodities, and financial services sales agent.

Education Requirements

Financial planning employers look for candidates with a bachelor's degree in accounting, finance, economics, business, mathematics, or law. Courses in investments, taxes, estate planning, and risk management are also helpful.

Financial analysts may also seek special designations like certified financial planner (CFP), chartered financial analyst, and chartered financial consultant.

Generally, a license is not required to work as a personal financial advisor, but advisors who sell stocks, bonds, mutual funds, or insurance may need licenses such as Series 6, 7, or 63. These exams are administered by the Financial Industry Regulatory Authority. To take most of these exams, you need sponsorship from a member firm or self-regulatory organization.

Where Do Advisors Work?

More than half of all financial advisors work for finance and insurance companies, including securities and commodity brokers, banks, insurance carriers, and financial investment firms. However, many personal financial advisors are self-employed, operating small investment advisory firms, usually in urban areas.

Financial planners and advisors make money by either charging commissions on the investment products they sell or an annual, hourly, or flat fee for their services.

According to the Bureau of Labor Statistics, the employment of financial advisors is expected to increase by 13% from 2022 to 2032, much faster than the average for all occupations.

This is a result of the increased investment by businesses and individuals, the rising number of self-directed retirement plans, and the growing number of older adults.

Personal financial advisors will benefit even more than financial analysts as baby boomers enter retirement and as a better-educated and wealthier population requires investment advice. In addition, people are living longer and must plan to finance more years of retirement.

Is Financial Planning the Right Career for You?

Take this quiz to help you find out:

Quiz: Is Financial Planning Right For You?

1. How comfortable are you with making sales?
A. I could sell anyone a ticket to a music concert with no guarantee that they'll enjoy the performance.
B. I could sell anyone a music ticket, but I would feel guilty if they didn't like the show.
C. Only a bad person would sell music tickets to someone knowing they would not like the show.

2. At what stage of life are you?
A. I just graduated from college.
B. I've been out of school for a few years.
C. I've been in my line of work for several years, but I'm ready for a change.

3. How much of an extrovert are you?
A. I have been the president of almost every club I have ever joined.
B. I have enough friends to make me happy.
C. A good book, a room to myself, and no interruptions is my idea of heaven.

4. You could be described as:
A. Both analytical and a good communicator.
B. Analytical but not a good communicator, or a good communicator but not analytical.
C. Neither analytical nor a good communicator.

5. At work, I prefer to do my job:
A. Completely independently
B. Somewhat independently.
C. As part of a team.

6. What appeals most to me about becoming a planner is:
A. The challenge of building a client base.
B. The creation of my own business.
C. The analysis of investments.

7. According to the Bureau of Labor Statistics, the median annual income for financial advisors was $95,390 in 2022. How do you feel about that?
A. I've never been average, and I'll earn more than the median.
B. That would work for me.
C. Working for commissions only makes me nervous.


If you answered most questions with “A,” then financial planning could be the right career for you. You're energized, not terrified, by the idea of earning a substantial amount of your compensation through commissions. If you have the right connections and energy to work your networks, you could succeed in this tough career.

If you answered most questions with “B,” you need a backup plan. Financial planning might work, but you're likely to end up among the 80% of planners who, according to William F. Cole's The Complete Financial Advisor, are in the business for less than five years. When sales don't work out, what will you do next and how will you sell yourself to your next employer?

If you answered most with “C,” it's best not to consider financial planning. If you love portfolio analysis, consider working as a financial analyst. If math is your strong suit, you could go into financial engineering or quantitative analysis. You'll make more money without having to sell all day long.

Demographics of the Financial Advisor Profession

According to the U.S. Bureau of Labor Statistics, there were about 283,000 financial advisors in 2022. The lowest 10% earned less than $46,700, and the highest 10% earned more than $239,200. Broken down by gender, male and female financial advisors take home an average of $177,000 and $105,000, respectively.

The locations with the highest paying wages are Washington D.C., Hempstead Town, New York, and North Hempstead Town, New York.

The industries with the highest employment of financial advisors are securities, commodities, funds, trusts, and other financial investments (60.6%), banking and related activities (11.1%), and insurance carriers (6.09%).

How Do You Become a Certified Financial Planner?

To become a certified financial planner, you need to complete the certified financial planner (CFP) certification process and ultimately obtain the CFP certification. You need to complete coursework on financial planning through a CFP board-registered program, have a bachelor's degree, and pass the CFP exam.

What's the Difference Between a Certified Financial Advisor and a Certified Financial Planner?

There are differences between a financial advisor and a financial planner. First, there is no financial advisor certification, but there is one for a financial planner. This is because every financial planner is a financial advisor, but not every financial advisor is a financial planner. Financial planners help individuals and companies achieve their long-term goals. This involves managing money, creating savings plans, helping to buy a home, and helping with planning for retirement. A financial advisor, meanwhile, has a narrower view, which is simply helping you manage your money.

What Should I Major in to Become a Financial Advisor?

Anyone can become a financial advisor, no matter their major. That said, specific majors are more useful for becoming a financial advisor. These include economics, business management, finance, accounting, and statistics.

The Bottom Line

A financial planner can be a rewarding job that helps others financially plan for their life goals. It can also be a demanding job with such responsibilities and the necessary knowledge and skills required to do it well. Before pursuing that career path, it's important to understand if it is the right choice for you by determining if the responsibilities, the nature of the work, the hours, and the education required are worth it.

Thu, 07 Dec 2023 10:00:00 -0600 en text/html
how much does a financial advisors book of business cost to buy?

What is the normal fee for a financial advisor?

According to the Financial Planning Association (FPA), the cost of meeting with a financial planner can range from $2,500 to $3,500 to set up a plan, and then around $3,000 to $3,500 per year if you have an ongoing relationship with the planner.

Is it worth paying a financial advisor 1 %?

According to Veres, most advisers managing portfolios worth less than $1 million charge between 1% and 2% of assets under management. Depending on how much financial planning is provided to the client, it might be reasonable to charge that. There are some, however, who charge more than 2%. A few also an 2%, and a handful charge in excess of 4%.

How much is it to buy a book of business?

When a buyer pays 2, the seller will receive 3. Taking into account the 5X cash flow, a book of business that is worth $500,000 should be sold for $500,000 on average. This book of business should be sold for between $250k and $500k in this sale.

What is a fair price to pay a financial advisor?

Fee typeTypical costHourly fee$200 to $400Per-plan fee$1,000 to $3,000

Do you pay a fee for a financial advisor?

A free initial consultation is offered by many financial advisers. Several factors affect how much a financial adviser will charge you, including what they will be charging for and how you will be paying. There are different ways to pay for advice from some advisers.

What does it mean to buy a book of business?

Another term for a list of clients or accounts is a book of business. In such cases, the book's monetary value may be determined by the buyer's ability to retain customers after the sale.

Is a book of business an asset?

Rather than tangible assets like commercial real estate or equipment, a book of business is a living asset, whose value resides in the goodwill of clients and customers.

What is a book of business in insurance?

The book of business of an insurance company or agent is the sum of all insurance policies that they have written. A reinsurer takes on a part of an insured risk or a full book of business for an insurer. The book of business of an insurance company or agent is the sum of all insurance policies that they have written.

How long does it take to build a book of business?

You don't have to be an insurance agent in order to own and manage your own independent insurance agency. A typical insurance agent needs between three and five years to build up their book of business to the point where they can support themselves and a staff member comfortably.

What is a reasonable advisory fee?

According to online advisors, a fair fee for money management is around 0. 25% to 0. Choosing not to get any other advice is a reasonable fee, says O'Donnell, so 30 percent of assets is a reasonable fee.

What is an acceptable fee for a financial advisor?

Fee typeTypical costAssets under management (AUM)0.25% to 0.50% annually for a robo-advisor; 1% for a traditional in-person financial advisor.Flat annual fee (retainer)$2,000 to $7,500Hourly fee$200 to $400Per-plan fee$1,000 to $3,000

What is a reasonable percentage to pay a financial advisor?

How Much Does a Financial Advisor Cost? Generally speaking, 1% per year is a reasonable fee to pay for financial guidance, says Ryan . This should include any fees charged by your financial advisor as well as any fees charged by the investments you use.

Is it worth paying for a financial advisor?

A professional can save you a lot of time, effort and energy In spite of the fact that you can handle your finances on your own, working together with an adviser can reduce stress and confusion, especially if managing them yourself leaves you feeling overwhelmed.

Why you shouldn't pay a financial advisor?

Financial advisors' fees are determined by how much money you invest, not by the returns they produce. Additionally, this system adds unnecessary risk and expense to your investment strategy and leaves a financial advisor with little incentive to be successful.

What is a fair price to pay a financial advisor?

Fee type Typical cost
Hourly fee $200 to $400
Per-plan fee $1,000 to $3,000

How much is my book of business worth?

Insurance books of business cost about 1. If you would like more information, please contact us now. 5-2. Five times the gross commission for the year. In the hypothetical example, the cost would range between $150,000 and $250,000 for the entire Medicare Supplement business that produces $100,000 in revenue per year.

What is a normal fee for a financial advisor?

A financial advisor charges an average of one percent of his or her fee. A account with $1 million in assets under management (AUM) would cost 2% of its AUM annually. Fees are normally higher for actively-managed portfolios, since the holdings are purchased and sold by a team of investment professionals.

What is an acceptable fee for a financial advisor?

Fee type Typical cost
Assets under management (AUM) 0.25% to 0.50% annually for a robo-advisor; 1% for a traditional in-person financial advisor.
Flat annual fee (retainer) $2,000 to $7,500
Hourly fee $200 to $400
Per-plan fee $1,000 to $3,000
Mon, 22 Nov 2021 01:32:00 -0600 en-US text/html
Transcript: Books books books! You asked, we answered

This is an audio transcript of the Life and Art from FT Weekend podcast episode: ‘Books books books! You asked, we answered

Lilah Raptopoulos
This is Life and Art from FT Weekend. I’m Lilah Raptopoulos. This week, we’re combining two things that feel equally important in December. One is choosing a great book to read over the holidays from all the incredible books that came out this year. And the other is frantically buying gifts for the holidays. Our books team here at the Financial Times has recently published their beautiful annual books of the year special. And they’re here to give us some recommendations for great books to buy your friends and family members this holiday season. Joining me from London is literary editor Fred Studemann and deputy books editor Laura Battle. They are regulars and friends of the podcast. Hi, Fred. Hi, Laura. Welcome.

Laura Battle

Fred Studemann
Hi, Lilah.

Lilah Raptopoulos
It’s so nice to have you. So before we get into advice, first big picture, how are you feeling about this year in books?

Fred Studemann
Well, if I can start, I’d say it was I think it’s quite a good year, but I have to give you one big qualification and that my own reading has been quite strange because I ended up judging not one but two prizes, which is a very silly thing to do in one year. So I did a fiction prize at the start of the year, the International Booker Prize. So that’s for fiction in translation into English. And then in the second half of the year, I was chair of judges of the Baillie Gifford Prize for nonfiction, which is one of the big nonfiction prizes, certainly here in the UK. So that basically sorted my reading list for the year.

Lilah Raptopoulos
Okay. Well, it sounds like you are . . . 

Laura Battle
You have a month of fun.

Lilah Raptopoulos
Welcome back to the world.

Fred Studemann
I’m now just listening to audiobooks.

Lilah Raptopoulos
Yeah. give your eyes a break. Laura, what about you? What did you find?

Laura Battle
I mean, I’ve just been on secondment to a different role in Life and Arts for the last few months, but I’ve spent much, much of the year on the books desk reading as widely as possible and obviously paying attention to all the book awards that have throughout the year. But I have to say, I’ve come with a list of recommendations, none of which I don’t think appeared on the Booker shortlist.

Lilah Raptopoulos
We should say here that the Booker Prize is probably the biggest award in the world for English fiction, and that’s a different category than what Fred judged for the international Booker. That’s for books that have been translated into English.

Laura Battle
But anyway, that’s just what I’ve come with today, you know, recommendations that the things I’ve loved but haven’t necessarily all got the recognition I think they deserve.

Lilah Raptopoulos
I’m glad that we’re talking because I felt like you both sound really positive about this year in books and this is very subjective, but I felt it wasn’t a great year in new books for me, only because I found myself starting a lot of books this year and not finishing them. I ended up in a lot of kind of small internal novels of like kind of lonely women around my age. And I realised as I was reading them, it doesn’t really where I want it to be. And, and so it was easy for me to sort of generalise and think, okay, well, that’s the way this year in books was. But maybe it was just about the way I was choosing.

Laura Battle

Fred Studemann
That’s really interesting you say that because that’s something on the international Booker. We noticed what you’ve just described, Lilah and people in the literary, these sort of among the critics here, there was a piece in one of the weekly magazines about a month or two ago which was identifying that genre you’ve just, that type of literature you’ve just been referring to. And I wonder if there’s I mean, what this you know, what some people here are saying. I don’t know what it’s like over in the States is that that may be running its course that you know, maybe we’ve just had overload of that style.

Lilah Raptopoulos
Yeah that makes sense. And I don’t I have to say, I don’t want to discourage women from writing books about themselves. I think that’s great. I’m reacting to a few books like The Guest by Emma Cline and Really Good, Actually, by Monica Heisey. I liked the beginning of these books, but they were kind of like sad, lonely little worlds. And I kind of craved a bigger book, like something that I could escape out and into. But that said, I know this style of book is not a woman thing. You know, this is popularised for millennia by men who are still also doing it.

Laura Battle
Yeah, I think there’s been a lot of debate, hasn’t there, about the demise of the white male novelist. But the Booker shortlist had three Pauls on it. So I think it’s sort of . . . 

Lilah Raptopoulos
Three Pauls?

Laura Battle
Three Pauls, the name Paul, yeah. So I think it can be slightly overstated at times.

Fred Studemann
Am I right in thinking there were more Pauls than women on the shortlist?

Laura Battle

Lilah Raptopoulos
Oh cool

Laura Battle
That’s right. Yes. There we go.


Lilah Raptopoulos
So listeners sent us a ton of questions of people that they’re trying to buy books for for the holidays. And we sort of grouped them into categories to talk through. We will put all of your recommendations into the show notes so that listeners don’t have to worry too much about, I don’t know, taking notes while they’re commuting or whatever. And so the first category of questions was along the lines of the problem that I had this year, which is that a lot of listeners were asking for a book that would really suck them back into reading fiction. Someone who wrote in called it reader’s block, where you kind of can’t seem to be able to finish a book. What would you say?

Laura Battle
I’ve got a slightly unusual suggestion for this predicament, which is to try a book written for children. I’m halfway through this novel called Impossible Creatures by Katherine Rundell. And I was, I think, on this podcast last year raving about her biography of John Donne, which was written for adults, but she’s a celebrated children’s author. And this book, this new book of hers, is the first in a planned trilogy. And it’s about this magical archipelago where mythical creatures like griffins and unicorns still exist alongside humans. But these creatures are starting to die off, and the two central characters, their two friends, children. The story follows them as they try to find out why. And it’s a gripping adventure story, and it’s probably perfect for readers between the ages of about nine and 15. But I’d really urge adults to read this book because it’s just so beautifully written. And it’s just a sort of very refreshing read.

Lilah Raptopoulos
It’s a really good idea. I think also a lot of people like their memories of really getting sucked into a book were from a young adult.

Laura Battle
Yes, exactly. The experience kind of reminds you what it’s like to be 12 whatever. Just sink into a book and really be totally unaware of the world. So I think that would be good way back into reading.

Lilah Raptopoulos
Amazing. Cool. What about you, Fred?

Fred Studemann
I can’t top that. But I mean, one thing I tell you, one book I really enjoyed was House of Doors by Twan Eng.

Laura Battle
Yeah, I love that too.

Fred Studemann
Which is sort of sort of quiet in a certain way and very and it’s not very I mean, it’s in a way, am I allowed to even say? It’s slightly sort of old fashioned. I mean, it’s sort of traditional in approach, let’s put it that way, of how he goes about it. But it’s, I really enjoyed that. And that did sort of take me into another world where, I mean, I don’t want to give the whole story, but it’s a character sort of at a certain point in their life, reflecting back to an earlier period in the 1920s and it’s set in East Asia and the various relationships and the hidden truths. But it’s done in a way that it’s very elegantly done.

Laura Battle
He sort of blends real life, doesn’t he, with

Fred Studemann
I really enjoyed that. That was sort of there’s just, you know, that sense of just taken off into a different world and just going with it and enjoying it.

Lilah Raptopoulos
Oh, that’s great.


Our colleague Marc Filippino, the host of FT News Briefing. He wrote . . . 

Fred Studemann
We all revere Marc.

Lilah Raptopoulos
We love Marc. He wrote in because he’s concerned about decision fatigue with books. He said like, you know, one of his biggest barriers to reading is choosing a next book, like choosing the next book. It can feel like an uphill battle every time. Do you have any advice for that?

Laura Battle
It would be very remiss of us not to recommend books of the year. They have to come on the pages of the FT and online. But I would suggest going to a real bookshop and a proper bookshop, and preferably a small independent bookshop where people, the people that work there are putting a lot of time into their curation is just a word that’s sort of become almost meaningless now, but you know what I mean, into their selection that what’s on display. I find it I can wander around huge bookstores and really come away with nothing. And I can go into a small bookshop and just want to buy 20 books.

Fred Studemann
I’d second that.

Lilah Raptopoulos
Yeah. It’s funny you say that because this is one of the, books are one of the few pieces of culture that you can still give as a gift in a physical way, like an album, music is harder now. Movies are harder, TV show. You can’t really give someone a DVD. I don’t know, there’s something kind of nice about that.


Okay. Another bucket of questions that we got were recommendations for well written history books. This came from listeners, from FT readers, from colleagues, probably unsurprising from the FT but one came from our US managing editor Peter Spiegel. He asked for something to get his dad, who loves US history, especially biographies. Another listener said that they’re looking for books about history, where the author writes more like a novelist than like a historian. Fred, you did a lot of nonfiction reading this year. What would you recommend?

Fred Studemann
Oh, there are so many good ones. We had one, but it’s not a short book, but it’s beautifully written by a historian called Christopher Clark. It’s called Revolutionary Spring, and it’s about the revolutions of 1848 in Europe. They had the sort of forgotten revolutions or the sort of forgotten big events squeezed between you’ve got the French Revolution, which changes absolutely everything, and then you’ve got the first world war, which changed everything. And somewhere in the middle there, there are these revolutions that happen all across the continent of Europe. And his argument is that they they were pretty much all put down, but he says they actually changed everything.

Lilah Raptopoulos
Oh wow

Fred Studemann
The prelude to the modern world. And he writes beautifully. He’s in command of the big picture. So he tells you sort of why this is important. But he’s also a master of telling bits of colorful details. So you know, he takes you into the world of provincial France and what silk weavers were earning and how much their rent was and how much the bread was. And then that explains to you all the social distress. I mean, that sort of if you like, your big, classical, big history book.

Lilah Raptopoulos
Laura, what about you? Were there any books that were, like, history-related that really stood out to you this year?

Laura Battle
Yeah, one that I’d flagged that got quite a lot of attention and is certainly been very popular among FT staff, is Red Memory by Tania Branigan, which is a really compelling accounts of China’s cultural revolution told through the lives of different individuals. And Tania Branigan looks at how its legacy has really shaped China today.

Fred Studemann
One very quickly, big American biography was really King: A Life by Jonathan Eig. And that is a new biography of Martin Luther King that manages the extraordinary thing that its story, a life that has been so often told to retell it with a lot of verve. And you’re just turning the pages. And it’s a fascinating illumination of his life, but also the times in which he lived. It does draw on some new research or some archival material that’s been released. So it does bring something fresh.

Lilah Raptopoulos
That sounds great. Okay. So I will ask one quick question from a listener that I’m curious about. A listener said, I feel like a lot of people have someone they want to give a self-help book to, but doing that is quite a statement. Are there fiction alternatives that can deliver certain messages in a softer way? So this person specifically wanted to give a book to a relative who’s suffering from social anxiety, that wanted to help them see the world as more like a more warm, welcoming place. Is there like a . . . I don’t know what would be a good approach to that? Maybe uplifting kind of short novel or something like that?

Laura Battle
Well, I would have suggested the Katherine Rundell book Impossible Creatures, which I talked about before.

Lilah Raptopoulos
Children’s book.

Laura Battle
Yeah. I think for all the reasons I was explaining before, I think this would be great for somebody like that, it’s a very it’s a sort of life affirming read.

Lilah Raptopoulos
Were there other books that felt sort of like, like you left feeling good, from this year?

Fred Studemann
If I only.

Laura Battle
Well, I mean, I loved The Fraud by Zadie Smith. And it’s very, it’s a historical novel set in Dickensian London, but it’s centered on a really brilliant, but thwarted woman called Eliza Touchet. So the book examines class and race and disinformation and a lot of things that concern us now. But Zadie Smith, she’s obviously done a huge amount of research and it’s a very clever book and at times very funny book. And I finished it feeling kind of uplifted because it was just such a brilliant, brilliantly written book.

Lilah Raptopoulos
I know I’ve been wanting to read that too.

Laura Battle
I really loved it.

Lilah Raptopoulos
Thanks. I’d love to take a few minutes now to give a few book recommendations that would work well for a lot of people as gifts. I was thinking about what books I tend to give as gifts, and one category for me is a book of poems. I think that’s like usually a nice gift with like a candle or some socks. Partially because people rarely buy poetry for themselves and it doesn’t really demand a lot of work from the recipient. So if I had a recommendation for a gift, I would for multiple people or people that you don’t know that well, I would say a book of poems. There’s a poet, Alex Dimitrov, who lives in New York. He’s in his 30s. He writes very relatable poems, both big and small, sometimes about being on the subway, sometimes about, you know, screens and meetings and sometimes about love. So that’s what I would recommend. Do you have a, what book would you recommend for either of you?

Laura Battle
Well, I agree with the poetry thing. And I’m also a complete sucker for those sort of aspirational, outdoorsy books. And I happened to see there was a new book out called Cabin just called Cabin. I think a few years ago, there was one called Cabin Porn for the really diehard fans of this genre. Cabin is about how to build a retreat in the wilderness. And I find there’s something about the holiday season where you sit around and you think, yeah . . .

Fred Studemann
You’re gonna do it

Laura Battle
Totally that’s fine, I’m going to make time next year to build a cabin or a treehouse.

Lilah Raptopoulos
What is my alternate life plan?

Laura Battle
Yeah, exactly.

Fred Studemann
You read those Norwegian sort of wood books?

Laura Battle
They will start with how to chop wood. Yeah, I think those books always make fun gifts.

Fred Studemann
I mean, another small one if you’re thinking of with socks and candles. I mean, I think both Laura and I are great fans of Claire Keegan.

Laura Battle
Oh, yeah, yeah.

Fred Studemann
You know, and she, I mean, it’s a bit there was a bit of a debate about whether it fully qualifies as a novella, her latest, the one that came out this year.

Laura Battle
Oh yeah, it’s 50-60 pages.

Lilah Raptopoulos
What is it called?

Fred Studemann
So Late in the Day

Lilah Raptopoulos
So Late in the Day?

Fred Studemann
Yeah. It’s really essentially, to be honestly, it fits your criteria exactly like. I think it’s really a short story that’s packaged up as if it was

Laura Battle
Beautifully packaged

Fred Studemann
Beautifully packaged, so that, you know, people would be happy to receive that, I’m sure.

Lilah Raptopoulos
Yeah, that’s good. And her book from 2020 Small Things Like These was beloved. Okay. Fred Laura, this has been wonderful. Such a delight. I’ve got a long, long list now for a long list of recipients, so thank you so much. And please come back again soon.

Laura Battle
Thanks Lilah


Lilah Raptopoulos
That’s the show. Thank you for listening to Life and Art from FT Weekend. Take a look at the show notes. We have every book that Fred and Laura recommended there. We also have links to some great collections from the books of the year special. Those links will all get you past the paywall on In the show notes, we also have discounts for a subscription to the Financial Times and ways to stay in touch with me and with the show on email, on X or on Instagram. I’m Lilah Raptopoulos and here is my talented team, Katya Kumkova is our senior producer. Lulu Smyth is our producer. Our sound engineers are Breen Turner and Sam Giovinco with original music by Metaphor Music. Topher Forhecz is our executive producer and our global head of audio is Cheryl Brumley. Have a lovely week and we’ll find each other again on Friday.

Sun, 10 Dec 2023 10:00:00 -0600 en-GB text/html
Ellington Financial Announces Estimated Book Value Per Common Share as of November 30, 2023 No result found, try new keyword!Ellington Financial Inc. (NYSE: EFC) (the "Company") today announced its estimated book value per share of common stock of $14.06 as of November 30, 2023. This estimate includes the effects of both ... Tue, 26 Dec 2023 06:30:00 -0600 Treasurer: Career Path and Qualifications

Once considered a branch of accounting, treasurer positions are now a specialized field with their own unique career paths. Treasurers are essentially processors: they need to analyze financial information and make informed decisions that affect the firm's bottom line. Learn more about what corporate treasurers do and how to become one.

Key Takeaways

  • A corporate treasurer is responsible for managing the finances of a company.
  • Job duties of a corporate treasurer may included analyzing risks of investments and participating in business planning.
  • Common qualities a corporate treasurer must have include: investment management, organizational leadership, and technical accounting knowledge.
  • Corporate treasurers may report to chief financial officers (CFOs) in larger firms.

Skills and Qualifications

Treasurers aren't just bookkeepers. They are financial decision makers who shoulder significant responsibility for a company's finances. They are supervisors and advisors at the same time. They sometimes act as financial planners for the entire company, especially when there is investment capital involved.

Treasurers need to demonstrate many different competencies, such as investment management, organizational leadership, and technical accounting knowledge. A company treasurer is a unique role, but one that modern mid-size and large companies often need.

Responsibilities and Job Description

Generally, a company treasurer handles investments and the risks associated with investments. Some participate in all short- and long-term business planning, including mergers and acquisitions (M&A) activity.

The treasurer is a crucial, though sometimes challenging, position in a company. Corporate treasurers are responsible for identifying and managing risks and developing policies, but they must also coordinate accountants and other certified to follow those policies and mitigate those risks.

Historically a technical and analytical role, the company treasurer is increasingly strategic in decision making. Today's treasurers need to understand macroeconomics, business methods, and risk avoidance.

In a larger company, the treasurer works closely with the chief financial officer (CFO) and other key analysts. They may consult with attorneys or compliance officers.

A treasurer often needs to brief different levels of management about new policies. This requires interpersonal skills and working collaboratively with junior and senior staff.

Company Treasurer Career Path

The path to control of the treasury begins with a bachelor's degree. Even the most entry-level treasurer positions require bachelor's degrees, and it's best to major in a field such as accounting, economics, finance or business administration. Some colleges and universities participate in the Corporate Treasury Management (CTM) program.

From there, it's best to get work experience in the financial sector. Those with CTM backgrounds will automatically be enrolled in the Association for Financial Professionals, which comes with particular opportunities. Others can work public or private sector jobs in accounting, analysis or fields with an investment focus.

Some may pursue professional certification, including the certified treasury professional (CTP) and chartered financial analyst (CFA) certifications. These are rarely required for a position, but they look good on a resume. Treasurers come from a wide range of backgrounds, but an easily recognizable certification like CTP or CFA should help increase your chances of getting a job in this field.

According to the Bureau of Labor Statistics (BLS), advancement opportunities in finance and accounting professions are best for individuals with graduate degrees, particularly masters of business administration (MBA) degrees.

Treasurers need a blend of technical expertise and management skills. Most work in some management capacity before reaching higher treasurer positions, even if it's simply as senior accountants or team leaders.

Downsides to Consider

Some corporate treasurers hope to become part of the executive staff (and executive compensation), particularly as finance directors or CFOs. Unfortunately, a lot of career financial experts find themselves anchored into treasury positions, especially if the company doesn't feel comfortable putting you in front of clients or shareholders.

Managing directors and chairmen want to see cross-functional management experience, since the top-level finance positions have to oversee many different teams across many departments. Ambitious treasurers should also focus on the soft skills like communication and leadership as they develop in their careers.

What Is a Chief Financial Officer (CFO)?

A chief financial officer (CFO) is a senior executive who is responsible for financial planning, cash flow, and other aspects of a company's finances. They can recommend the best strategies for achieving growth after analyzing a firm's strengths and weaknesses. A corporate treasurer often reports to a CFO.

What Is Asset Liability Management?

A corporate treasurer is often responsible for asset liability management. This is managing assets and cash flows to reduce a company's risk to prevent or minimize losses. Asset liability management focuses on timing cash flows to cover liabilities in a way to maximize profits.

How Do I Get an MBA?

A master's of business administration (MBA) is an advanced degree that can be helpful for a career as a corporate treasurer. You can pursue either a part-time or a full-time degree. Often, MBA candidates first get a job and some work experience before earning an MBA. Employers may sponsor an employee's MBA degree.

The Bottom Line

A corporate treasurer can be an ideal career path for people who enjoy working with numbers and analyzing risk. Getting a bachelor's degree in economics, finance, or a math-related field will provide a good foundation to enter this profession. Weigh the pros and cons of this job before deciding whether it's one you want to pursue.

Wed, 02 Dec 2015 00:25:00 -0600 en text/html
Is the "rule of 72" the key to your 2024 financial goals? No result found, try new keyword!The Rule of 72 is a shortcut equation to help you figure out just how long it will take to double an investment at a given rate of return. Best of all, the math is easy to do without the help of a ... Wed, 03 Jan 2024 23:56:00 -0600 en-us text/html Financial Analytics and Research – Master of Finance

If you study full-time, you’ll take 120 credits per year or 60 credits per semester.

If you have passed 125330 Advanced Business Finance or an equivalent course in your undergraduate degree, you should not choose 125700 Managerial Finance. You should take the other Part 1 Subject courses. You will be required to take 125785 Research and Analytics in Economics and Finance in your first semester of study.

For progression from Part One to Part Two, you must achieve a minimum B grade average in the first 60 credits of study, including a B grade for the course 125785.

If you have a Bachelor of Business Studies with Honours, or the equivalent degree of another recognised university, you may apply for credit towards Part One of the qualification.

If you wish to complete a more in-depth master’s research project you may extend your degree out to 240 credits.

Official regulations

To understand what you need to study and must complete to graduate read the official rules and regulations for this qualification.

You should read these together with all other relevant Statutes and Regulations of the University including the General Regulations for Postgraduate Degrees, Postgraduate Diplomas, and Postgraduate Certificates.

Returning students

For returning students, there may be changes to the majors and minors available and the courses you need to take. Go to the section called ‘Transitional Provisions’ in the Regulations to find out more.

In some cases the qualification or specialisation you enrolled in may be no longer be taking new enrolments, so may not appear on these web pages. To find information on the regulations for these qualifications go to the Massey University Calendar.

Please contact us through the Get advice button on this page if you have any questions.

Mon, 21 Mar 2022 08:43:00 -0500 en-NZ text/html
Ellington Financial Announces Estimated Book Value Per Common Share as of October 31, 2023 No result found, try new keyword!--(BUSINESS WIRE)--Ellington Financial Inc. (NYSE: EFC) (the "Company") today announced its estimated book value per share ... Company's ability to maintain its qualification as a real estate ... Mon, 27 Nov 2023 02:53:00 -0600

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