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With the tons of online tools available today, it is easy than ever before to organize and maintain the finance tools and finance plans. Let us see the few good services that are offered today in managing personal finance.There are a number of reasons why you need may need to turn round your personal finance. You may be a victim of bad credit or may be looking to make an improvement in your credit scores. Further, you may be facing foreclosure or bankruptcy. Whatever be the case, a personal finance tools will be of much help to you.The hundreds of free online finance tools that are available today online can surely help you out of this difficult condition very easily. I am listing two free tools that can help you. They are completely free too.• Mint.com: this is a completely free and very helpful service that will help you a lot in planning and maintaining your finance. It includes a number of tools that can help you a lot in cutting down your expenses and making more savings.
• Google: make use of Google to the maximum to bring out the new and exciting services that are available for you online. Make a search on the Google search engine and find out thousands of websites working for personal finance help and select the one that is most suitable for you.There is no need to spend your money on any software that help you maintain your finance as there are many other tools of good quality that are available completely free.

This is my 30,000 foot look at events in the ICT industry for February 2014. A Little History of previous year’s Februarys… Five years ago in February 2009 the news was ALL about layoffs and economic uncertainty. Nortel, in addition to their layoffs sold their Alteon asset for less than $18 million, which they had bought for $7 billion nine years previously! In February 2010 M&A activity was slow with no huge buys. Google bought Aardvark; Oracle purchased a couple of smaller entities; IBM bought a small network software company that focuses on the telco vertical; and Sybase bought a company that has a strong foothold in the financial services vertical. There were lots of signs that the recovery was under way and Canada saw some job growth after a period of decline. February 2011 was another quiet month for M&A with HP buying Vertica; Opentext bought Metastorm ($182 million); and Rackspace acquired Anso Labs. World news was dominated by the popular uprisings in a growing number of countries and the reactions of those governments including the brutality of Gaddafi’s Libyan supporters. Two years ago, February 2012 was not a blockbuster month for M&A, but there was some interesting activity. The biggest deal of the month saw Oracle pay $1.9 billion for talent management company Taleo. Siemens Canada paid $440 million for networking equipment company Rugged.com. IBM bought BYOD company Worklight; Dell bought backup and recovery company AppAssure; Apple bought mobile search company Chomp; and LM Ericsson bought Ottawa based BelAir Networks. Last year in February 2013 Dell went private in a $24.4 billion deal, that included a $2 billion investment by Microsoft. Oracle paid $1.7 billion for networking company Acme Packet Inc.; Rackspace bought big data company ObjectRocket; Telus was busy with two acquisitions, electronic medical records division of the Canadian Medical Association and digital forensics company Digital Wyzdom; HP also sold the Palm operating system to LG for their smart TVs.Which brings us back to the present… February 2014 saw Facebook make a big move with $16 billion acquisition of Whatsapp, which is probably good valuation news for Blackberry because its BBM product would be a direct competitor. Blackberry however had another rough month when IDC released its numbers as the company’s smartphones accounted for only 1.9% of sales in Q4 of 2013.Another company with big news, although not necessarily positive was Sony. They appear to be reinventing themselves in their various niches as they are closing their eReader store and divesting themselves of their PC division (Vaio).In other M&A news Comcast is making a $45 billion play for Time Warner Cable; Oracle paid a reputed $400 million for data management platform company Bluekai; LinkedIn paid $120 million for online job search company Bright; and Klout was bought for about $100 million by Lithium Technologies. Google made a couple of acquisitions, online fraud company Spider.io and secure logon company Slicklogin. IBM is buying database as a service company Cloudant; and Monster bought a couple of companies, social profile company Talentbin and job aggregation and distribution technology company Gozaic.Other companies making news this month include Microsoft who announced a new CEO, Satya Nadella (who replaces Steve Ballmer) plus a new Board Chair John Thompson (who replaces Bill Gates). Dell started its new life as a private company with major restructuring, resulting in likely 15,000 job losses. On the good news front, jobs creation and infrastructure additions in Canada come in the form of new datacenters for Bell Aliant and for Telus.In reports from various sources Android has about 80% of the mobile OS market share, with Apple a distant second. Samsung was the dominant handset hardware supplier with 32% share, with Apple second. Apple however accounted for approximately 1/3 of tablet sales in Western Europe last year, with Samsung second.A Cisco study suggests that users will increase mobile data usage by a factor of approximately 8 over the coming 5 years… so make sure you have good data plans! The Canadian Federal Government announced an infrastructure investment to put broadband into rural communities and Gartner tell us that IT spending was flat year over year, for the 13th year in a row!Economic news was generally mixed, with no major bad news and no big breakthroughs. Some job growth in Canada and the US, some positive confidence indicators and some not so good. One study seemed to sum it up for me, Careerbuilder found that 58% of employers feel the recession is still lingering!That is it for my look at what was happening in the technology space over the last month, compared to the same month in previous years.I’ll be back at the end of March, until then… walk fast and smile!Kevin Dee is CEO of Eagle Professional Resources Inc. (a Professional Staffing Company)

Gone are the days when entrepreneurs used to learn business on the job. This was the most prevalent way of getting business education, though informal. There are numerous successful entrepreneurs who succeeded in business field without any formal business education.One can learn business on the job as has been demonstrated by a large number of businessmen. That route takes longer and is fraught with uncertainties.With the complexities of modern business, business education has now been formalized. In order to do business, it is necessary that one should be conversant with so many business practices. Any business is now interdependent on other national and international factors. Formal business learning is now necessary in order to understand business environment as a whole.Without a business degree from a renowned business school, it is difficult to undertake a business career.Basis of business education are business and economic practices and theories. These comprise of courses in fields like business accounting and bookkeeping, business strategy, business intelligence, business law, business writing, business consulting, financial management, organizational behavior, business marketing, business planning, international business, micro and macro economics etc.Business education leads to important degrees like bachelors and masters (MBA). These two are the most important business degrees and are in high demand amongst companies and business establishments.A university level business qualification leading to an MBA degree is the crown of a business course. MBA programs have been in high demand because of their clout in the market. While business concepts get clear at bachelor’s level, master’s education is a more specialized form of business education.Generally an MBA program is spread over a two year period after bachelors. Most renowned MBA universities are in North America, UK and Australia. There are certain institutions like Indian Institutes of Management (IITs) in India which are equally reputed.Some universities also have executive MBA programs which can be completed in one to two years. Executive MBAs are specific to working executives and managers who have been practicing in business field or at jobs for a number of years.Executive MBA candidates have mostly bachelor level degrees and experience of a number of years. Essential qualifications for an executive MBA program are a combination of education and business experience. Executive MBA programs are generally employer supported and have a shorter duration than regular MBAs.
It is estimated that MBA salaries are generally higher by about 35 per cent than regular graduates. They hold prestigious jobs. They position their businesses strategically and help in the growth of companies and economies.MBA degrees can be obtained at a university campus, through distance learning MBA, MBA online and part time MBA. With the spread of internet, it has become easier to pursue an MBA degree. It is no longer necessary now to be a full time student at a campus, although this is most desirable.Almost 43 per cent of MBA universities also have online MBA degree programs. About two thirds of MBA degrees get awarded through distance MBA programs and part time MBA education.Though expensive, one can study an MBA course on part time basis or through distance learning MBA while on the job. An MBA course enables a person not only to have a successful MBA career, but also helps one to establish own business consulting or any other independent business.