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Our Future Is Protected By Our Present Personal Finances
All of the financial details of your life are grouped together under the umbrella term of personal finance.All of the ways you obtain funds for your personal use such as loans and credit cards, as well as your spending habits and methods of saving and budgeting are all your personal finances.

Tennessee Becomes Third State to Mandate Personal Finance Education for Public Students
Financial Crisis Creates Back-to-School Finance Requirement

Financial Organizations Are Taking Financial Education On The Road
NAPFA Consumer Education Foundation, TD AMERITRADE and Kiplinger's Personal Finance magazine join forces to deliver financial education during national bus tour.

Personal Finance Software to Help You Survive Financial Crisis
Do you know how to avoid getting caught in the financial crisis? This question addresses one of the biggest fears most everyone has today. If giants like Merrill Lynch and Lehman Brothers get shaken to their foundations, how can an average person resist getting caught? The answer is simple: spend less than you earn. The era of blithe consumerism is coming to an end, and we should prepare for lean times. It's time to keep track of all income and expenses and cut down unnecessary expenditures. These simple things will help you to stand bad times. Part of the survival strategy is organizing your financial life using a good personal finance manager. It will help you to see where your money goes without the hassle of doing everything manually. ...

Easy Ways to Protect Your Personal Finances from Further Economic Contraction
While the economy has already certainly softened, there may be further economic contraction for American consumers to face. Increasing job losses, higher inflation rates, and the growing food and energy costs are making personal finance budgeting difficult for most American families to achieve. The variable interest rate of recent mortgages makes critical, and the prospects for personal finance do not look bright for the next several years. However, an ounce of personal finance planning is certainly worth more than a pound of monetary cure. It is not too late to start preparing your personal finance budgeting efforts to brace yourself for further economic contraction - ensuring that when America does recover from its economic weakne ...

Personal Finance Daily -- Nov. 1 (CBS Market Watch)

You don't have to dig deep into the history books to come up with evidence that investors are sheep. The dot-com bubble of 1998-99 is exhibit No. 1 in that matter. When it comes to following the herd, investors can compete with the best of the other beasts.

Personal finance: More credit card users behind on their bills (Billings Gazette)

The steady drip of troublesome economic news keeps coming: plummeting consumer confidence, a drop in housing sales.

Issue 3: Big Changes In Campaign Finance (The Intelligencer/Wheeling News-Register)

Ohio's campaign finance laws were changed at the end of 2004, but a proposed constitutional amendment now will ask the state's voters to change them back and make other reforms to the law.

 

by Jay Moncliff 

If you're shopping for financial planning services, it may seem like a jungle out there. There are advertisements everywhere, and everybody seems "nice,” but nice won't cut it when it comes to your money. How can you cut to the chase and find a financial planning expert that you can trust. 

Start by learning what the different designations mean. You may have noticed that there are three popular financial designations that most financial planners hold. You'll want to choose one with one of the following designations. 

Like many CPA's, a Certified Financial Planner (CFP) must attend about two years of training and pass a rigorous test. This designation is given by the Certified Financial Planning Board of Standards, a national organization. After two years of preparatory courses, a Certified Financial Planner must earn a passing grade on a ten-hour test given over the course of two days. The Financial Planning Association can provide you with a listing of Certified Financial Planners. 

You may have also encountered some Chartered Financial Consultants. These graduates of American College in Pennsylvania have completed a series of exams and obtained real life experience before earning their designation. However, the program is geared more toward the insurance profession than broad based financial planning. The Society of Financial Professionals can provide you with a listing of these consultants. 

The American Institute of Certified Public Accountants offers its own designation, a Personal Financial Specialist (PFS). Certified Public Accountants can earn this additional designation by completing a series of comprehensive tests and demonstrate experience in financial planning. Most of these designates are members of the National Association of Personal Financial Advisors, and they can refer you to a PFS in your area. 

All of the above certifying agencies require at least three years of experience prior to certification. Other designations do exist, but these three are the most reliable. Since many unscrupulous individuals decide to call themselves "financial planners,” you'd be wise to look for one with a certification from a nationally recognized organization. 

Since the Securities and Exchange Commission doesn't regulate smaller financial advisors (those with under $25 Million under advisement), it is up to you to screen your financial planner carefully. 

You can begin by checking on the website of the National Association of Securities Dealers website. They list financial planners who have been disciplined on their website. Information is also available by telephone from this association's toll free number (800-289-9999). Also check with your state's securities division for disciplinary actions and complaints. 

Ask your planner for a copy of Form ADV, Part II. If you aren't familiar with the form, they will be. This form is required by the Securities and Exchange Commission from every financial planner and should spell out how and what the planner will be paid and any incentives they may earn. Sometimes they will provide this information in brochure or pamphlet form, but you'll know up front what your fees will be. 

Finally, check references. A reputable planner won't mind giving you a few references to call. Find out if they handle portfolios similar to yours and if the client is satisfied with their services. Ask about fees. 

It's your future, so doing a little homework up front and making sure that you're getting what you pay for is well worth it in the long run. Make sure that your financial planner holds a nationally recognized designation and check him out before you hand over your hard earned money. Your time and effort is a wise investment when shopping for a financial planner.

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Latest Personal Finance News

 

Personal Finance Daily -- Nov. 1 (CBS Market Watch)

You don't have to dig deep into the history books to come up with evidence that investors are sheep. The dot-com bubble of 1998-99 is exhibit No. 1 in that matter. When it comes to following the herd, investors can compete with the best of the other beasts.

Personal finance: More credit card users behind on their bills (Billings Gazette)

The steady drip of troublesome economic news keeps coming: plummeting consumer confidence, a drop in housing sales.

Issue 3: Big Changes In Campaign Finance (The Intelligencer/Wheeling News-Register)

Ohio's campaign finance laws were changed at the end of 2004, but a proposed constitutional amendment now will ask the state's voters to change them back and make other reforms to the law.

Primary Care Team Leader - Finance (Huddersfield Daily Examiner)

Due to retirement a vacancy has arisen for an ambitious person looking for their first step on the managerial ladder to join our Huddersfield office as Team Leader in the Finance Section.

DA Campaign Finance Violation? (KFOX 14 El Paso)

El Paso District Attorney Jaime Esparza is being investigated over his campaign finance report. It's an ethics debate that involves a county commissioner who became a target of the D.A. over her campaign finance reports.

Personal Finance Daily -- Oct. 31 (CBS Market Watch)

The way that a lot of people look at Social Security is as anything but secure. So convincing people to delay the point at which they start getting benefits might be a bit of a hard sell -- much better to get while the getting's good.

Main Headline (The Pocono Record)

Republican candidate Brian Barrett leads the way in personal funding in the Smithfield Township supervisor race through Oct. 24, taking in $1,300 according to the most recent finance reports filed at the Monroe County Voter Registration office.

[ Read all the latest Personal Finance News here. ]

 

My Free Credit Repair Straight-to-the-point instructions for repairing your credit and reducing your debts without a lawyer or so-called professional.

 

Equifax Launches New Personal Finance Blog
ATLANTA, June 7 /PRNewswire-FirstCall/ -- Equifax announced today the launch of the Equifax Personal Finance Blog.  The Equifax blog aims to inform and educate consumers about personal finance topics and features weekly insights and practical information from top consumer finance experts — Ilyce Glink (Real Estate), Daniel Solin (Investment), Eva Rosenberg (Tax) and Linda Rey (Insurance), as well as a team of Equifax subject matter experts covering select credit-related topics. (Logo:  http://photos.prnewswire.com/prnh/20060224/CLF037LOGO ) The Equifax Personal Finance Blog marks the company's latest Web 2.0 effort to further engage with consumers and transform its website, www.equifax.com, into a trusted consumer resource and destinati...

Why Personal Finance is 'Personal'
What is Personal finance Personal finance is only about money and is unique to situation

Book Personal Finance Tips For You Wins Literary Award For Providing Basic and Easy Information On Understanding Your Personal Finances
Whether struggling to pay credit card bills, paying bills on time, discussing finances before marriage or saving for retirement, there are solutions for almost everyone in Nocita Carter’s compact guide Personal Finance Tips For You: Tips You Can Use To Help You With Your Personal Finances.




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