Since I won a hundred (accounting), then spent…. if things go well, hundred, if you will worst quote hundred and twenty, because the card helped him today, but tomorrow (a few months later) NO!

Obviously, if spending more money than I get credit I cover it with one day have to pay, in addition to interest, and that’s my future cash flow is decreased, ie increase my need for cash to pay.

IS LOGIC! IS OF THIS WORLD!

IF YOU SPEND IN $ SAME AS GETTING IN $ = ZERO BALANCE (It’s okay, well if it happens .. the time will have nothing of their own).

IF YOU SPEND IN $ LESS THAN RECEIVE POSITIVE BALANCE IN $ = (you are the master of the situation)

IF YOU SPEND IN $ MORE THAN YOU GET IN $ = NEGATIVE (Financial will have a life full of problems.)

Then make a cash budget (as I get in $) and I can spend only up there

Financial business management is learned through post-secondary education in accounting, business or trade. The courses offered in these programs provide the knowledge base necessary to manage the finances of a long-term. There are also wide ranges of specialized courses that focus on issues that are unique to different industries.

The best way to learn more about financial management is to obtain a position in the financial services department of a company. You will have the opportunity to study their business processes, decisions and rules. Over time, this perspective help you understand the matters referred to in business school courses in a more integral. It is important to remember that the role of the finance department depends on the type of financing activities the company is dedicated to flood company with a large number of managed investment funds in a different way than a company with a cash flow problem and declining revenues.

The ability to manage these two companies with skill is essential for a successful financial manager. personal financial management is the management of short and long term of your household finances. This is an area of weakness for most people, such as money management skills not taught, but through experience. To learn how to manage their finances, there are three options: books, financial planners and credit counselors.

There are a variety of books, pod casts and television shows available to teach how to manage your finances. Investing time in this important skill to avoid excessive debt, cash flow problems and living beyond their income. Money issues are the leading cause of divorce and create a lot of stress and anxiety. Professional financial planners an independent opinion and develop a financial plan for you.

The plan is based on your income, expenses and goals. Working with a financial planner will teach management techniques to help you increase your wealth and spend their money wisely.

Credit counselors offer courses in counseling and personal financial issues. Its function is to help reduce its debt, managing money you have and live within their means. The sessions are free and can provide the framework for the successful management of money.

The creation of these business schools began in the nineteenth century in Paris, today’s leading universities and institutions have their own business schools.

In Spain, the first business school was “EOI” School of Industrial Organization created in 1955 by the Ministries of Industry and Trade.

A good reference on best business schools is the Financial Times ranking of each year presents its views on the best business schools according to their assessment (you can get the 2008 ranking of Europe here, the global ranking you can see here) .

As can be seen in the ranking among the best business schools in Spain are:

-IE Business School is currently sixth in the world, and considered by some as the best MBA in Spain

-IESE Business School .- internationally recognized, are said to be very “selective” with the students and they ask lots of documentation on their premises.

- ESADE (Escuela Superior de Administration and Management) in Barcelona, Spain which is now the third consecutive year as one of the top 10 business schools in Europe.

On the other is that often a business school is the ideal to study a few specific areas or to perform specific graduate as the best in other races can be up in a business school not much Recognition due to the quality of materials and types of teachers they have.

Now where or how to get a solid financial education? good way of information and general financial education a person can learn the basics:

Commercial and banking law -Notes, checks, drafts, transactions, interests, commercial contracts such as leasing or lease as well as the establishment of partnerships and laws related to them.

Civil law -It is important for the characterization of the contracts and assumptions made in the law to a contract with certain gaps in it (in some countries when you do not specify the date or the duration of a usufruct contract law presumed to have been concluded for a period of 30 years).

Accounting and Administration -For insight into the mathematical implications of any investment or business (often in some people believe that business is making money but to bring good accounts realize they did not take into account taxes, transportation the goods and the rents and deposits it in the end losing out to winning) in fact the administration and accounting is perhaps the most important part of financial education and you can ignore the knowledge of other fields and leave forward but ignore the accounting and administration may lead to failure although dominate other branches of life.

Inheritance Law-At one point in the life of a person or family comes to inheritance laws become relevant.

Insurance and Reinsurance .- It is important to live in safety, income generated by many a person says nothing alive tomorrow What would happen to my family if I die? Or it could be worse What would happen to my family if I crash but I do not die, but ended as a vegetable or I lose my ability to work? It is hard and may not be the best way to express it but in this world because of medical expenses out cheaper than a living dead (in fact for many people including me if a serious accident would rather die than live with disability and constant pain being a burden to the family) is also important insurance against theft if they have valuable possessions or insurance for the car depending on the case.

Labor and Social Security-Everyone works and has rights and social benefits which can be ignored or not recognized by employers.

Tax Law -There are exemptions for some business tax that must be considered for the establishment of a business.