New Limited Premium Savings Plan from NTUC Income – about Financial

#ntuc travel insurance
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New Limited Premium Savings Plan from NTUC Income

NTUC Income has just launched a new short-term sav­ings plan. LP Revosave that only requires you to save for 5 years or 10 years.

You will be able to draw down cash­back of 5% of the Sum Assured from the end of second year onwards till maturity.

LP Revosave provides pro­tec­tion against death, Total per­man­ent Dis­ab­il­ity (Lost of sight, two legs etc.) regard­less of your cur­rent health. It is 100% guar­an­tee to be accep­ted. You will be covered for 105% of the premium paid for the first 3 years. From the begin­ning of 4th year, you will be totally covered with the Sum Assured, that means, full coverage!

This is how LP Revosave works.

1) You save a fixed sum of money to NTUC Income for 5 or 10 years.

2) At the end of second year, NTUC Income will return 5% of Sum Assured (called cash­back) to you. You can choose to

a) Spend it.

b) Save with us at cur­rent 3.5% per annum interest in Deposit Account issued by Income

3) At any point in time, you can with­draw the money from the Deposit Account.





05/11/2017

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Dean Pappas – State Farm Insurance Agent in Birmingham, AL #financial


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Dean Pappas

Dean Pappas

Disclosures

State Farm Bank, F.S.B. Bloomington, Illinois ( Bank ), is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank’s underwriting standards for each type of credit or service offered by visiting statefarm.com or by contacting the Bank at 877-SF4-BANK (877-734-2265). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. To apply for a Bank product, you may also see your participating State Farm agent.

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

Before investing, consider the funds’ investment objectives, risks, charges and expenses. Contact State Farm VP Management Corp. (1-800-447-4930) for a prospectus or summary prospectus containing this and other information. Read it carefully. AP2014/12/2170

State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.

Auto Insurance in Birmingham, AL

Shopping for car insurance? Dean Pappas in Birmingham, AL is one of more than 18,000 State Farm® agents nationwide who can help keep you and your family covered with quality auto insurance. You can talk to an agent at any time.

Get an online auto insurance quote – it’s fast and easy.

Already a State Farm customer. linkStartTag Register for online account access :linkEndTag to make payments and more.

Get an Auto Quote

Continue Your Auto Quote

Home Insurance in Birmingham, AL

More people choose State Farm® for their homeowner’s insurance over any other providers.

Make the move with Dean Pappas in Birmingham, AL to protect your home and family. Plus, save money when you have both car and home insurance with us.

Get a home insurance quote online – it’s fast and easy.

Get a Homeowners Quote

Life Insurance in Birmingham, AL

State Farm® offers competitive life insurance rates to help protect you and your loved ones.

There’s a lot to learn when you’re getting started with life insurance. When you’re ready, Dean Pappas in Birmingham, AL is here to help.

Get a life insurance quote online – it’s fast and easy.

Get a Life Quote


16/10/2017

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Blue Cliff College: Esthetics Program: Shreveport, LA #blue #cliff #college, #skin


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Esthetics Program

Evolve Your Skincare Artistry at Blue Cliff College

Indulge your love of beauty, skin care and cosmetics by enrolling in the Esthetics Program at Blue Cliff College. Teach people how to feel happier in their own skin (literally!). As an esthetician, you are a skincare artist, a scientist, and an educator—people look to you to show them the best way to care for their most important feature. When you make recommendations about the best products for your clients for their skin, you’re not just creating a customized care plan—you’re also teaching people how to present themselves with confidence.

Learn How to Succeed as an Esthetician with Training at Blue Cliff College

Whether you work in a medical office or a spa setting, you can provide your clients with a touch of luxury and highly personalized attention. Blue Cliff College s Esthetics Program gives you the scientific knowledge, artistic principles, and strong customer-service skills you’ll need to succeed as an esthetician.

When you study at Blue Cliff s Esthetician School, you’ll become familiar with the industry’s professional standards, including the legal and ethical responsibilities of workers who interact physically with their clients. The engaging environment at Blue Cliff is designed to help you develop core skillsets in the art of esthetics.

Once you complete the 780 clock hour Esthetician Program, you can come away with a diploma and are eligible to sit for the esthetician exam to gain licensure. Once licensed, you’ll be ready to find entry-level positions with a spa, salon, department store, cruise line, or cosmetics company.
Daily tasks for an esthetician may include:

  • analyzing the skin care needs of your customers
  • discussing treatments and products
  • performing facials, skin care treatments, body wraps, pore cleansing and exfoliating treatments
  • advising on skin care and makeup techniques
  • promoting skin care products as a cosmetics-company representative

Become a Part of the Beauty Industry with Training from Blue Cliff College

The Esthetician Program is ideal for students who enjoy being a part of the larger beauty industry while interacting with people and helping them look and feel their best. Enroll now if you enjoy bringing beauty and happiness to others around you.

If you have more questions on the esthetician program, contact us here

Campuses with Esthetician Programs in Louisiana

Currently this program is available at these campuses:

Licensing and Accreditation Information

Blue Cliff College maintains current certification and accreditation so you know you’re learning skills that are valued in your field. We are:

  • Licensed by the Louisiana State Board of Cosmetology
  • Accredited by the Accrediting Commission of Career Schools and Colleges (ACCSC) ‡

‡ The Accrediting Commission of Career Schools and Colleges, (ACCSC) is a recognized accrediting agency by the US Department of Education.

More About Careers As An Esthetician

For more information about a career as a Esthetician, please visit the U.S. Department of Labor’s O*NET website. The Standard Occupational Code (SOC) for the career 39-5094.00 and the Classification of Instructional Programs (CIP) code for this program is 12.0409.

What Does the Esthetics Program at Blue Cliff College Cost?

At Blue Cliff College, we’re committed to providing quality training while also preparing you to start your career as an esthetician as soon as possible.


12/10/2017

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Accounting and Financial Franchise Opportunities, Accounting and Financial Franchises for Sale


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Accounting and Financial Franchise Opportunities

Trends and Facts About Accounting Financial Franchises

Companies of all sizes can use an outside perspective from time-to-time, especially in uncertain economic times. Challenging times inevitably present problems, but they also create opportunities. And opportunities abound now for business management consultants, accountants, financial planners, insurance providers, mortgage brokers and others in the accounting and financial sector.

Franchises and business opportunities in accounting and financial services vary widely:

– One of the most popular accounting and financial franchise industry areas is tax preparation. Each year, more individuals are required to file tax returns than the year before. Increasingly complicated tax returns are prompting people to use professional tax preparers, and an estimated 60 percent of Americans now do so.

– More money is always a good thing. Franchise opportunities helping companies acquire additional capital for various reasons are also becoming popular.

– Expense reduction consultants are now in demand as companies look for ways to cut costs. These franchises provide clients with a multitude of services: developing short- and long-term budgets, analyzing fixed and variable overhead, increasing employee productivity and developing expense reduction strategies to meet each client s specific needs.

Above is just a sampling of the choices prospective accounting and financial services franchisees have. In good times or bad, individuals and businesses will always need those who understand the numbers. As George Bernard Shaw put it, Money is indeed the most important thing in the world.

Your Request List

You can add items by clicking the Add to Request List button or checkbox when you find something you’re interested in.

You may add up to 15 items to your Request List

Your request list will follow you around the site.

When you are ready to complete your request for free information, click Submit in your Request List.

Why not get started by browsing our New Franchise Opportunities or Low Cost Franchise Directory ?

You may only enter 15 items in your Request List.

To request information from your selected companies, just fill in the form and click Submit .


12/10/2017

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IBM – Cognos Disclosure Management #ibm #cognos #disclosure #management, #financial #reporting,


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Cognos Disclosure Management

Financial reporting and process automation

IBM® Cognos® Disclosure Management is a secure, collaborative, enterprise-scalable reporting and process automation solution that enables users to merge enterprise data with focused narrative analysis in a controlled, auditable environment. It enables organizations both large and small–from multinationals to midsize companies–to automate the collection of data in a single, dynamic reporting and analysis solution. Multiple participants in different departments can collaborate in the assembly of complex reports, working independently while ensuring that proper controls and approvals are in place. Cognos Disclosure Management provides integrated tagging to use on various regulatory filings, including Basel III and Solvency II “Full Measures”, and can create extension taxonomies with pivot based navigation for easy review.

  • Enterprise disclosure management —Combine financial data from a variety of sources with in-depth narrative analysis for internal and external reporting across any department.
  • Financial management process automation —Replace time-consuming manual processes with intelligent process design and automation.
  • Security, control and governance —Manage documents in a collaborative yet secure environment with visibility into the report generation process.
  • Multi-jurisdictional XBRL support —Enable multi-national organizations to use a single reporting/tagging solution.
  • Cloud-based deployment —Provide all the functionality of the on-premise solution with the flexibility of the cloud.

User object summary

Marry qualitative narrative analysis with enterprise data for internal operational reports, presentations and external disclosures.

Visibility and accountability

Provide visibility and accountability in critical reports for management and business leaders in a variety of formats, including Microsoft PowerPoint presentations and Microsoft Word and Adobe PDF documents.

Cognos Disclosure Management screenshots

User object summary

Marry qualitative narrative analysis with enterprise data for internal operational reports, presentations and external disclosures.

Visibility and accountability

Provide visibility and accountability in critical reports for management and business leaders in a variety of formats, including Microsoft PowerPoint presentations and Microsoft Word and Adobe PDF documents.

Enterprise disclosure management

  • Marry qualitative narrative analysis with enterprise data for internal operational reports, presentations and external disclosures.
  • Improve data integrity by integrating with a wide array of data sources, including cubes (OLAP) and relational tables (such as general ledger or data warehouse tables), as well as IBM Cognos Express IBM Cognos TM1 and IBM Cognos Business Intelligence.
  • Export tagged content into Adobe InDesign to create highly-formatted, brochure-style output, e.g. annual reports, etc.
  • Provide midsize companies or departments with an efficient, affordable solution to meet their reporting obligations with greater control and confidence–using Cognos Disclosure Management Express.

Financial management process automation

  • Automate internal reporting such as management reports, operational reports, board books, and strategic plans and forecasts.
  • Provide executive, financial and operational leaders with accurate, timely data and analysis to drive better, faster business decisions.
  • Update reports automatically in real time through integration with corporate data sources.
  • Refresh dynamic data queries from financial consolidation applications such as Cognos Controller, Oracle Hyperion Financial Management (HFM), and more.

Security, control and governance

  • Enhance control over regulatory filings, global statutory and tax reporting, Global Reporting Initiative (GRI) and sustainability reporting, treasury management and other reports that are normally produced manually.
  • Ensure a single version of the truth by bringing together any and all enterprise data, such as BI and performance management data, into reports in a single, scalable solution.
  • Provide visibility and accountability in critical reports for management and business leaders in a variety of formats, including Microsoft PowerPoint presentations and Microsoft Word and Adobe PDF documents.

Multi-jurisdictional XBRL support

  • Generate XBRL-tagged (Extensible Business Reporting Language) documents required for regulatory filings in GAAP and IFRS jurisdictions.
  • Produce high-value documents for EU required reports, including Own-Risk Solvency Assessments (ORSA), Solvency and Financial Condition Reports (SFCR), Regular Supervisory Reports (RSR), and XBRL-tagged, updated Quantitative Reporting Templates (QRTs) in the EIOPA framework release 2.0.1 et seq.
  • Tag financial data and commentary once and have it automatically flow to future reports to support multiple compliance mandates simultaneously.
  • Support industry-specific tagging requirements such as Basel III for banking and Solvency II “Full Measures” for insurance, plus Common Reporting Framework (COREP) and Financial Reporting Framework (FINREP) mandated by the European Banking Authority (EBA).
  • Create extension taxonomies and pivot based navigation to ensure easy review of XBRL documents. Create XBRL facts from Microsoft Office based objects comprising a report.
  • On-premise or on-cloud enterprise disclosure management solution that lets you choose the best delivery mechanism for your corporate environment—without sacrificing capabilities or limiting future deployment options.
  • On-cloud enterprise disclosure management that allows data integration with on-premise data sources.

Cognos Disclosure Management resources

Discover how you can transform the way you collaborate across the enterprise to collect data and merge it with robust analysis and insights using IBM Cognos Disclosure Management.

Learn how Cognos Disclosure Management helps finance teams merge enterprise data with focused narrative analysis in a controlled, auditable environment.

Extend the productivity gains provided by disclosure management solutions to your budgeting, planning and forecasting.

Learn how disclosure management solutions from IBM can extend the value of your existing BI tools.


11/10/2017

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Pyramid Schemes #criminal #law, #fraud #and #financial #crimes, #criminal #charges


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Pyramid Schemes

People are always thinking up new ways to swindle others out of their hard-earned cash. Some of these schemes can take new and creative forms, but the pyramid scheme, which is still prevalent today, hasn’t changed much in over 200 years.

How a Pyramid Scheme Works

Pyramid schemes follow a predictable formula. Usually, one person, known as the recruiter, will create a fraudulent business which requires others to pay a fee to join. The people he recruits to the business then recruit others to join as well, and pocket the fees. This cycle of recruitment is supposed to continue indefinitely, so that everyone who joins the business will continue to receive the recruitment fees of the newest recruits. The problem with successful pyramids is that, eventually, there will be no one left to join the pyramid, and those already in the scheme will lose their investment.

Examples of State Laws Prohibiting Pyramid Schemes

Each state has its own laws addressing pyramid schemes and similar forms of marketing fraud (including Ponzi schemes ). Below are a few examples:

  • Florida – Codified under Florida’s Deceptive and Unfair Trade Practices Act; prohibits the use of a chain referral sales technique to get a consumer to purchase a product or service over $100, where the consumer is promised money or commission to recruit more members.
  • Pennsylvania – Prohibited under the state’s Unfair Trade Practices and Consumer Protection Law; statute defines a pyramid scheme as any scheme, whereby a person pays money or some other financial benefit for the chance or opportunity to receive compensation, regardless of whether he also receives other rights or property.
  • Arizona – Statute defines a pyramid scheme as any scheme, whereby a person pays money or some other financial benefit for the chance or opportunity to receive compensation, regardless of whether he also receives other rights or property.

Multi-Level Marketing Businesses Are Not Pyramid Schemes

Pyramid schemes are still popular today. Many reasonable people still fall for them because they sound so similar to a type of legitimate business model called multi-level marketing (MLM). An MLM business involves a central corporation that creates a product, and then convinces other people to pay a fee in exchange for the right to sell its product. Unlike a pyramid scheme, MLM businesses make their money by selling products such as cosmetics, cooking implements, and fashion accessories; they don’t rely on an unsustainable stream of new recruits to make their money.

How Pyramid Schemes are Prosecuted

There’s no single federal statute the US government can use to prosecute pyramid schemes. However, the Federal Trade Commission has occasionally prosecuted pyramid schemes as deceptive trade practices, or fraud. Additionally, each state has its own set of laws designed to combat pyramid schemes, such as this one from Texas. Many require the pyramid scheme promoters to pay fines, or spend time in prison if convicted.

Take a look at FindLaw’s sections on financial crimes and crimes against property to learn about related offenses.

Learn About Your Options with a Free Case Review

If you’re facing allegations of operating a pyramid scheme, you could be charged under a variety of state and federal laws. You have many important rights and constitutional protections which, if violated, could lead to a dismissal of charges or an acquittal. The most important step you can take is to hire an experienced criminal defense attorney who can start advocating for you from the very start of your case. Contact one today for a free case review .


10/10/2017

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FinAid! Financial Aid, College Scholarships and Student Loans, financial aid direct


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The SmartStudent TM Guide

to Financial Aid

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Paperwork demystified — find forms and instructions here. Tips on filling out the FAFSA and maximizing eligibility.

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‘Ask the Aid Advisor’ for personalized help. Read the financial aid FAQ and glossary for other answers.

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Dozens of tools for calculating college costs, loan payments, savings, and the expected family contribution (EFC).

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Get online info about testing, college admissions and jobs.

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09/10/2017

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Finance and Operations, Business Edition—Small Business Software #dynamics #365 #for #finance


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Microsoft Dynamics 365 for
Finance and Operations, Business edition

Purchasing

Automate and secure your purchasing process

Monitor and control your purchasing process through automated workflows and dynamically updated inventory levels. Prevent unnecessary or fraudulent purchases by implementing approvals, plus modify a posted invoice in your financial management system and register the correction without hassle.

  • Create purchase invoices and orders to record the cost of purchase and track accounts payable
  • Stay in control of expenses by implementing advanced workflow and approval structures
  • Automate tasks for vendors to record your agreements concerning discounts, prices, and payment methods

Reporting and analytics

Get a complete picture of your business

Centralize your financial management data across accounting, sales, purchasing, inventory, and customer interactions for an up-to-date, end-to-end view of your business. Make faster, more informed decisions when you’re guided by connected processes, predictive analytics, and real-time data.

  • Make fast, informed decisions with seamless Microsoft Excel integration
  • More easily track your KPIs by creating your own analyses on general ledger data
  • Chart your business’ performance in real time on your dashboard using built-in Power BI integration
  • Accurately predict your cash flow using built-in Cortana Intelligence integration

Project management

Keep projects on time and under budget

Perform common project management tasks and get all the data you need to help manage budgets and monitor progress. Track machine and employee project hours using timesheets, and access real-time data on available resources, such as employees and machinery.

  • Create, manage, and track customer projects with sophisticated job costing and reporting capabilities
  • Manage usage levels and profitability of resources by planning capacity and sales
  • Develop, modify, and control budgets to avoid over-expenditure

Operations—coming soon

Manage and optimize your supply chain

Streamline your operations and make smarter decisions by taking advantage of integrated manufacturing, warehousing, and service management.

  • Stay on top of warehouse inventory by tracking every item transaction or movement
  • Get quality products to market more efficiently with visibility across your entire production process
  • Deliver reliable service to your customers by tracking existing service agreements

Read the capabilities guide for Dynamics 365 for Finance and Operations, Business edition. DOWNLOAD NOW

Grow your accounting practice

If you’re an accountant working with small businesses, expand the accounting services you offer with Dynamics 365 for Financials—an insightful, scalable platform that helps you connect and collaborate with clients while enhancing your productivity.

Tailor and extend Dynamics 365 across your business


07/10/2017

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Our Advisors – financial advisors and investment advisors at Danielson Financial


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Our Advisors

Deborah L. Danielson
CFP�, CFS�, MSFS

Deborah Danielson is President and owner of Danielson Financial Group. The Las Vegas native has built a solid record of accomplishments and a reputation for excellence among her clients and colleagues. An investment professional since 1981, Ms. Danielson is a CERTIFIED FINANCIAL PLANNER TM. professional and Certified Fund Specialist � the first woman in the state of Nevada to achieve the professional designation — and has a Master�s of Science in Financial Services. She maintains securities registrations with LPL Financial.

Ms. Danielson employs a comprehensive, client-focused approach to financial planning. Such discipline ensures that recommended programs encompass each client�s financial goals, time frames and risk tolerance. In recognition of her extraordinary efforts, Ms. Danielson was awarded the 1 st Distinguished Endeavor Award by Distinguished Women Men in Nevada, October 2014; named one of the Top 1200 Financial Advisors nationwide by Barron�s Magazine February 2014 2015* and #2 in the State of Nevada*, one of the Top 1000 Financial Advisors nationwide by Barron�s Magazine February 2009, 2010, 2011, 2012 2013*; named one of the Top 100 Independent Financial Advisors by Registered Rep Magazine, August 2008, 2009 2010* 1 ; named #7 of the Top 50 Independent Broker/Dealer Women Advisors in the U.S. by Registered Rep in 2011 *1 ; named one of the Top 100 Women Financial Advisors by Barron�s Magazine, June 2008, 2009, 2010, 2011, 2012, 2013 2014*, and named by Goldline Research, as reported in Forbes Magazine, one of the 5 most Dependable Wealth Management Firms in the Southwest U.S.* 2 Ms. Danielson has been a guest on FOX Business, CNBC Squawk on the Street and Power Lunch and BNN. She has appeared on newscasts live from the floor of the NASDAQ and the New York Stock Exchange.

Ms. Danielson also is an accomplished writer. She co-authored The Expert�s Guide to Financial Planning, published in 1987 and contributed to Big Vision, Small Business�The Four Keys to Finding Success and Satisfaction as a Lifestyle Entrepreneur, published in 2001. Ms. Danielson, sought after for advice, has been published in Money Magazine, The Wall Street Journal, Dow Jones Wire, Bloomberg, and has appeared on local and national news and radio shows. She has served as the Financial Editor for Nevada Woman magazine since July 1995 and its replacement magazine LV Woman since 2008. Ms. Danielson is actively involved in the professional association, International Women�s Forum (IWF), and has been acknowledged for her leadership contribution. She was a founding member of the National Association of Women Business Owners, Southern Nevada Chapter; the past President and former board member of the Las Vegas Chamber of Commerce; and the past President of the Financial Planning Association (FPA) Las Vegas Chapter.

Ms. Danielson obtained her WSET (Wine Spirit Education Trust) Advanced Certificate, level three in pursuit of the Masters of Wine designation. She and her husband have raised three children and are now the proud grandparents of four wonderful grandchildren. Deborah is an avid traveler and enjoys collecting wine for her 3000 bottle wine cellar.

*Barron�s Top 1200 Financial Advisors, Top 1000 Financial Advisors and Top 100 Women Financial Advisors are based on assets under management, revenue produced for the firm, regulatory record, quality of practice and philanthropic work.
* 1 Awards based on assets under management.
* 2 Award based on client references, experience, advanced certifications and services offered among other factors.


01/10/2017

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Fresh Finance Group offer Best Deal Remortgages, Mortgages, Cheap remortgage quotes


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Fresh Finance Group give REAL financial advice that’s regulated, we are not a price Comparisonsite!

Fresh Finance Group are able to provide you with an easy no obligation service to help you reassess your financial needs such as your mortgage protection arrangements. All you need to do is to enter your details on the form to the right and then submit it to us so that one of our experienced advisers can talk to you about your needs.

We are an established name in the financial sector with an ever-expanding portfolio of products designed to bring benefits to people who already own a home. Fresh Finance Group has an innovative approach centered on the needs of all our clients. Our emphasis is on customer care and saving money.

Lets not forget our aim is to work as hard as possible to ensure you get the most suitable deal. This is probably the reason why so many of our clients recommend us.

So why not let us do the hard work for you?

It is so easy, simply complete and submit the form opposite and we will get you the most suitable remortgage deal.

Within seconds our system generates a call-back from one of our experienced Mortgage Centre Consultants where they will require a little more information to arrange a no obligation consultation.

Maybe these facts may help you to decide.

Most of us could save £££’s each and every month by switching our mortgages.

It’s amazing how many of us will go miles out of our way to save a pound on the weekly shopping or a few pence on a tank of petrol but tend to overlook the huge savings we might make with a lower rate remortgage. With mortgage repayments usually our biggest monthly outgoing, even a small percentage lower could mean that the savings really begin to add up! Just think about how much you could save!

Shopping around for the best UK remortgage can be very hard work.

Given all the time, effort and frustration that shopping around for a remortgage can involve it’s no wonder many of us don’t bother! With 1000’s of different offers available it’s really hard work to find the most suitable UK remortgage deal.

If you are unsure about the best solution for you and need some assistance then please contact us or fill out the form on the right hand side of the page and we will contact you.

We feel strongly that our clients should be treated fairly. With this in mind we ask every single one of our client’s to complete a survey about the service they receive.

We are proud to say that 95% of our clients rate our service as excellent. Considering we are currently dealing with in excess of 1.9 million of mortgage business per month this is something we are truly proud of.

– Remortgages
– New Mortgages
– Raising Capital
– Debt Consolidation


27/09/2017

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Las Cruces Attorney Estate Planning Probate #law #office, #el #paso, #estate


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El Paso office Map:
4110 Rio Bravo, Suite 220
El Paso, Texas, 79902

915-533-3563
Meetings by appointment only

Estate Planning, Probate and Trust Law in Las Cruces and greater El Paso area.

Alan Gluth specializes in estate planning, gift and estate taxation, probate and trust matters, fiduciary litigation and tax-exempt organization matters in Texas and New Mexico. If you or your family has any questions or needs in these legal areas, Alan Gluth is qualified to help you.

  • Free initial consultations
  • Flat fee billing for most matters
  • Board Certified in New Mexico and Texas

Mr. Gluth is board certified in estate planning, trusts and probate law by the New Mexico Board of Legal Specialization of the State Bar of New Mexico and is one of only eight attorneys in the State of New Mexico to currently hold this certification in New Mexico. Alan Gluth is also board certified in estate planning and probate law by the Texas Board of Legal Specialization of the State Bar of Texas and obtained this designation in 2003.

Mr. Gluth was named to the New Mexico Super Lawyers list as one of the top attorneys in New Mexico for 2012, 2013, 2014 and 2015. No more than five percent (5%) of the lawyers in New Mexico are selected by Super Lawyers, and at age forty-five (45), Mr. Gluth is one of the youngest attorneys in southern New Mexico to have obtained this designation and one of only four attorneys in New Mexico to be named to the New Mexico Super Lawyers list in the area of estate planning and probate law.

Alan Gluth currently practices as a sole practitioner under Gluth Law, LLC after being a name partner in another law firm for several years. Mr. Gluth received his law degree from The University of Texas at Austin in 1998.

Civic and Personal Information

Mr. Gluth is married to JoAnn and they have four sons: Collin (18), Braden (14), Preston (13), and Peyton (7). Outside of his professional activities, Mr. Gluth and his wife are active in his sons’ extracurricular activities and volunteer at schools within the Gadsden Independent School District. Mr. Gluth and his family reside close to La Union, New Mexico.

Alan Gluth is responsible for the content of this website.


23/09/2017

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How to Transfer a Credit Card Balance – ABC News #credit,


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Yahoo!-ABC News Network | 2017 ABC News Internet Ventures. All rights reserved.

How to Transfer a Credit Card Balance

Here is what you need to know before and after a credit card balance transfer.

Credit card balance transfers can be an invaluable tool for managing credit card debt. This tactic allows cardholders to move their debt from a card with a high interest rate to one with a lower interest rate, or no interest charges at all.

While it’s not inherently complex to transfer a credit card balance, there are still several important things that cardholders need to be aware of before, during, and after.

Before You Transfer a Credit Card Balance

1. Make sure you keep up with all of your payments. This will allow you to maintain excellent credit and find a balance transfer offer with the best possible terms. The right card may be one you already have with a lower interest rate than the one you are using, or it may be a new card with a 0% APR promotional balance transfer offer. In fact, you may be able to get a promotional financing offer from one of your existing accounts, possibly in the form of a convenience check.

2. Understand all of the terms and conditions of the balance transfer. Know what the card’s credit limit is, its interest rate on balance transfers, and what the balance transfer fee will be. Balance transfer fees are typically 3 percent of the amount transferred, but not always. Chase Slate currently has the only 0 percent APR promotional balance transfer offer with no balance transfer fee, although others can have fees as high as 5 percent.

In the case of promotional financing offers, learn how long you have to complete a qualifying transfer, and the length of the promotional financing period. Typically, promotional balance transfer offers must be completed within 30 days to four months of the account opening, and can last from between six and 18 months. Keep in mind that even though the terms might not explicitly say so, banks will not allow balance transfers between their own accounts.

3. Make a plan. Come up with a sound financial plan for paying down your debt. otherwise your balance transfer is just another form of postponing your obligations.

Making the Transfer

Contact the bank that you are transferring the balance to and ask to perform a balance transfer. Be prepared to give the account information for the other card, and the total amount you want transferred.

After the Transfer

Continue to make at least the minimum payment required from the old credit card, and if you have paid your entire debt, make sure to get a statement from your bank. However, keep your old account open in order to maintain a low credit utilization ratio. which will help your credit score.

Most importantly, stick to the plan that you created to reduce your debt. Recognize that it probably will not be possible to take advantage of promotional financing offers over and over again.

By understanding some of the nuances of balance transfers, cardholders can use these offers to save as much money as possible on their credit card interest charges.

This work is the opinion of the columnist and in no way reflects the opinion of ABC News.


23/09/2017

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Indo-German Consultancy Services Ltd, financial consultancy services.#Financial #consultancy #services


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financial consultancy services

Der offizielle Dienstleister

der Indischen Generalkonsulate in Hamburg und Frankfurt a.M.

Financial consultancy services

Financial consultancy services

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Financial consultancy services

Financial consultancy services

Am 01.04.2017 haben sich die Visapreise geändert.

Bitte Beachten Sie dass die Bearbeitung vom Visumantrag in Prozess nur dann geht, wenn die folgenden Angaben korrekt sind. Antragsfomular mit falschen Buchstaben & Informationen werden nicht von uns zur Weiterverarbeitung übernommen.

Please note that ONLY applications with the following correct spelling information will be accepted by us for further processing:

Advisory – Indian Visa Related

Das Indische Generalkonsulat gibt bekannt, dass die Visa ab sofort ohne Stempel und Unterschrift g ltig sind.

Personen mit Indischen Ursprung, die einen Visaantrag stellen m chten ben tigen ein Surrender Certifcate.

1. Bei einer Ausb rgerung vor dem 1. August 2005 wird kein Surrender Certificate ben tigt.

2. Bei einer Ausb rgerung zwischen dem 1. August 2005 und dem 31. Mai 2010 wird kein Surrender Certificate ben tigt. Es fallen Zusatzgeb hren in H he von 12,00 an.

3. Bei einer Ausb rgerung ab dem 01. Juni 2010 wird ein Surrender Certificate ben tigt. Es fallen Geb hren in H he von 130,50 an.

Folgende wichtige nderungen hat das Indische Generalkonsulat mit sofortiger Wirkung in Bezug auf Touristenvisa vorgenommen:

1. Touristenvisa werden nur noch f r h chstens sechs Monate ausgestellt.

2. Bei einen Touristenvisum mit einen vermerk f r mehrfache Einreisen, muss zwischen der letzten Ausreise und einer erneuten Einreise kein zeitlicher Abstand eingehalten werden.

Neues Online-Visaformular mit Wirkung zum 20. Juni 2011

Die Indische Regierung hat das Verfahren zur Beantragung eines Visums mit Wirkung zum 20. Juni 2011 ge ndert. Danach k nnen ab diesem Zeitpunkt nur noch die ber die Seite des Online Antragsformular beantragten Visa bearbeitet werden.

Indisches Generalkonsulat, Frankfurt

Hinweis f r die indische Gemeinschaft – Ein besonderer Service f r indische Staatsangeh rige

Ein Konsularbeamter steht Ihnen von Montag bis Freitag von 09.30 bis 11.30 Uhr in dem Indischen Generalkonsulat, Frankfurt zur Verf gung und unterst tzt die Mitglieder der indischen Gemeinde des zust ndigen Wohnsitz in dem Konsularbezirk von CGI, Frankfurt (Nordrhein-Westfalen, Hessen, Rheinland-Pfalz und Saarland). Dar ber hinaus wird ein Konsularbeamter f r ein Treffen am Montag und Donnerstag zwischen 10.00 – 12.00 Uhr im Indischen Generalkonsulat, Frankfurt verf gbar sein.

Folgende Konsule/Welfare Beamte, k nnen f r die Besprechung konsularischer Probleme der indischen Gemeinde kontaktiert werden:

Shri Viralikattur Prabhakar : Consul (Consular)

Tel. 069 15300548

Shri Hari Om Bir Singh

Tel. 069 15300543

In Notf llen k nnen Sie jederzeit unter folgender Nummer anrufen: 069 15300556.

Financial consultancy services

Am 01.04.2017 haben sich die Visapreise geändert.

Bitte Beachten Sie dass die Bearbeitung vom Visumantrag in Prozess nur dann geht, wenn die folgenden Angaben korrekt sind. Antragsfomular mit falschen Buchstaben & Informationen werden nicht von uns zur Weiterverarbeitung übernommen.

Information: Very Important

Please note that ONLY applications with the following correct spelling information will be accepted by us for further processing:

Advisory – Indian Visa Related

Das Indische Generalkonsulat gibt bekannt, dass die Visa ab sofort ohne Stempel und Unterschrift g ltig sind.

Neues Online-Visaformular mit Wirkung zum 20. Juni 2011

Die Indische Regierung hat das Verfahren zur Beantragung eines Visums mit Wirkung zum 20. Juni 2011 ge ndert. Danach k nnen ab diesem Zeitpunkt nur noch die ber die Seite des Online Antragsformular beantragten Visa bearbeitet werden.

Folgende wichtige nderungen hat das Indische Generalkonsulat mit sofortiger Wirkung in Bezug auf Touristenvisa vorgenommen:

1. Touristenvisa werden nur noch f r h chstens sechs Monate ausgestellt.

2. Bei einen Touristenvisum mit einen vermerk f r mehrfache Einreisen, muss zwischen der letzten Ausreise und einer erneuten Einreise kein zeitlicher Abstand eingehalten werden.


22/09/2017

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Wyoming Car Insurance – Quotes, Coverage – Requirements, wyoming financial insurance.#Wyoming


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Car Insurance in Wyoming

In order to register your vehicle in Wyoming, you must be able to prove financial responsibility for damages in the event of an accident.

The easiest and common way to fulfill this legal requirement is to purchase the minimum amounts of liability car insurance.

Car Insurance Requirements in Wyoming

Liability car insurance helps you cover the costs of bodily injury or property damage to the other parties in an accident you caused.

Wyoming requires the following minimum amounts of liability coverage:

  • $25,000 for bodily injury or death, per accident.
  • $50,000 for total bodily injury or death for multiple people in an accident.
  • $20,000 for property damage.

Uninsured Motorist Coverage

All Wyoming liability car insurance policies are required to include uninsured motorist coverage to protect you from the costs incurred in:

  • An accident with a driver who doesn’t have auto insurance.
  • A hit-and-run accident.

Uninsured motorist coverage for bodily injury has the same minimums as those in your liability coverage (see above).

Property damage is not covered by this insurance.

NOTE: You can opt out of uninsured motorist coverage; however, to do so, you must reject the coverage in writing.

Optional Coverage

When you get into an accident, you won’t want to be left wondering whether your car insurance coverage will adequately cover your costs. Electing to purchase additional types of coverage can save you thousands of dollars in the unfortunate event of an accident.

Optional coverage types include:

  • Collision – Pays for the damages to your vehicle after an accident, regardless of who is at fault.
  • Comprehensive – Pays for non-accident-related damages to your car, such as fire, animal collisions, and theft.
  • Medical expense – This will help you pay for your medical or funeral costs if you or your passengers were injured or killed in an accident. Coverage applies even if you were at fault.
  • Rental reimbursement.
  • Towing.

Car Insurance Violations

It is illegal to drive without the minimum car insurance in Wyoming. Law enforcement officers have the right to request your proof of insurance at any time.

If you can’t provide proof of financial responsibility at the time of the request, you’ll be given 7 days to provide it.

Failure to provide proof of insurance in the given timeframe may result in:

  • A fine of up to $750.
  • Up to 6 months of jail time.

If your driver’s license was suspended for involvement in an accident while uninsured, you’ll be required to obtain an SR-22, in addition to your other reinstatement requirements.

Often called “SR-22 insurance,” this is not actually car insurance, but a guarantee that you’ll maintain the minimum insurance for 3 years. If you neglect to maintain your SR-22, you’ll get another license suspension.

Policy Cancellations

Your insurance company has the right to cancel your Wyoming car insurance policy during an initial time period. For more specifics on the length of that period, refer to the state’s auto insurance publication.

Once your policy has been in effect beyond the initial period, it can only be canceled for the following reasons:

  • Nonpayment of premium.
  • An insured person on the policy has had their license or registration suspended.
  • The insured lied on the application (committed fraud).
  • Any other reasons deemed appropriate by the insurance commissioner upon a hearing.

Your insurance company must notify you before the effective date of cancellation.

If your policy is canceled for nonpayment of premium, the insurance company is only required to give you notice prior to the effective cancellation date.

If your insurance company refuses to renew your policy, you must be given written notice prior to your expiration date, unless the non-renewal is for:

  • Nonpayment of premium for the expiring policy.
  • Nonpayment of premium for renewal.

Wyoming Automobile Insurance Plan

Insurance companies are hesitant to take on the risk of drivers who have poor driving records or a history of multiple claims.

If you have been unable to find insurance on the standard market because of your status as a “high-risk driver”, Wyoming Automobile Insurance Plan.

To apply, speak to any insurance agent licensed in Wyoming.

Questions and Concerns

Car insurance can get confusing. If you need assistance understanding the terms of your insurance policy, you can call the Wyoming Department of Insurance at (307) 777-7401 or (800) 438-5768.

Filing a Complaint

If you have an issue that you have been unable to resolve with your insurance provider, the Department will assist you. To request help with your complaint, you can take any of the following steps:

Insurance Fraud

Insurance fraud costs insurance companies a significant amount of money, and those companies pass the costs down to their consumers.

If you suspect fraud, it’s important to report it. You can do so by visiting the NAIC website and submitting a complaint online.

Determining Your WY Car Insurance Rates

When shopping around for car insurance quotes in Wyoming, remember that insurance companies factor in the following when setting your rates:

  • Your driving record.
  • Your car’s:
    • Make.
    • Model.
    • Year.
  • Your age and gender.
  • The primary location your car is kept.
  • The main uses for your car.
  • How much coverage you get.
  • Your deductibles.
    • Higher deductibles equal lower premiums.

Car Insurance Discounts

In order to most effectively comparison-shop for auto insurance, it’s smart to ask about possible car insurance discounts in Wyoming. Common discounts include:

Remember, your driving history is the biggest determiner of your premiums. Drive safely and maintain a good driving record to get the cheapest possible Wyoming car insurance rates.

Most Stolen Cars in Wyoming

Owning a car that is highly targeted for theft could increase your cars insurance rates.

The following is a list of Wyoming’s most stolen cars in 2013, according to www.nicb.org:

  1. Ford Pickup (Full Size).
  2. Chevrolet Pickup (Full Size).
  3. Dodge Pickup (Full Size).
  4. GMC Pickup (Full Size).
  5. Chevrolet Pickup (Small Size).
  6. Chevrolet Tahoe.
  7. Honda Accord.
  8. Chevrolet Impala.
  9. Chevrolet Trailblazer.
  10. Dodge Durango.

DMV.org Insurance Finder

Join 1,972,984 Americans who searched DMV.org for car insurance rates:

One Distraction Can Steal Your Reaction

Do your part to help end distracted driving.


22/09/2017

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The Great Benefits Of Your Company s Employee Stock Purchase Plan


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Basics Benefits

The Great Benefits Of Your Company’s Employee Stock Purchase Plan

Key Points

  1. An ESPP offers a way to purchase company stock easily and on favorable terms. Fitting ESPPs into your financial plan is therefore worth trying.
  2. Plans that meet the conditions under Section 423 of the Internal Revenue Code generally offer the best deal for employees. What makes a Section 423 plan so appealing is the potential for both a discounted price and a lookback feature.
  3. A potential tax benefit exists in Section 423 ESPPs if you hold shares at least one year from purchase and two years from the start of the purchase period.

Your company may offer you an attractive benefit that is even better than stock options. An employee stock purchase plan (ESPP) enables you to purchase company stock often at a discount from the market price. In the most generous plans, you buy the stock with payroll deductions of up to 15% of your paycheck (you decide how much within this range, with a $25,000 annual maximum for tax-qualified plans).

An ESPP offers a way to purchase company stock easily and on favorable terms, giving you (not just top executives) an opportunity to share the potential growth of your company’s stock. Fitting ESPPs into your financial plan is worth trying (see a related article ).

Section 423 ESPPs are almost too good to be true.

Although the mechanics of ESPPs vary, plans that meet the conditions under Section 423 of the Internal Revenue Code generally offer the best deal for employees. What makes a Section 423 plan so appealing is the double-barreled “goodie” that comes from a discounted price along with something called a “lookback” feature. Unfortunately, many employees don’t fully understand how the discount and lookback features work (see the FAQs in ESPPs: Basics ). As a result, they might pass up a deal that is almost too good to be true. Even with the accounting change that has made it more “costly” for companies to offer discounts with lookbacks, ESPPs remain an attractive benefit for tax reasons (see how companies are responding to ESPP expensing ).

The Discount—A Built-In Profit Of At Least 17.6% (Even In Down Markets)—With Potential For Much More

The biggest discount the IRS allows is 15%, but (here’s the kicker) it can be much greater if your ESPP has a lookback feature: your purchase price is 15% off the market price at either the beginning or the end of the purchase period, whichever is lower, and a typical plan purchase period runs for six months.

Example: The stock price is $10 at the beginning of the purchase period and goes up to $20 at the end. Your purchase price is just $8.50-a hefty 135% return! Even if the price never moves from $10, the 15% discount results in an $8.50 purchase price, giving you a 17.6% return ($10 – $8.50 = $1.50; $1.50/$8.50 = 17.6%). Even if the price drops to, say, $5 at the end of the purchase period, your purchase price will be $4.25, so you will still get a 17.6% return ($5 – $4.25 = $.75; $.75/$4.25 = 17.6%)! (See a related FAQ for an example with a smaller discount and an example with no lookback.)

A potential tax benefit exists in Section 423 ESPPs if you hold shares at least one year from purchase and two years from the start of the purchase period.

As for taxes, although the money deducted from your paycheck will be taxed like the rest of your salary (i.e. post-tax), you have potential tax benefits under Section 423 ESPPs if you are willing to hold the shares for at least one year from the purchase date and two years from the beginning of the purchase period: any tax liability is deferred until the stock is sold, and only the purchase price discount (or your actual gain on sale, if lower) will be taxed at ordinary income rates, with the rest of your gain as long-term capital gain. For plans with a lookback feature, the discount that is subject to ordinary income tax is computed as of the first day of the purchase period (see ESPPs: Taxes Advanced for details and examples).

You Can Opt Out And Get Your Money Back!

At any time up to the purchase date, ESPPs typically allow you to withdraw all of your money from accumulated payroll deductions instead of purchasing the shares (see ESPPs: Advanced ). Check your company’s procedures for doing this during an ongoing offering and for re-enrolling later in the ESPP. In short, you have absolutely nothing to lose and much to gain by participating in an ESPP!

How To Reap The Full Benefits

Investing in any company’s stock is risky: we all know that. Markets go up and down. But with risks come rewards, and hanging on for the long term (as opposed to selling the stock immediately on the purchase date for a quick gain) is, more often than not, rewarding. You probably won’t get rich overnight by participating in a company ESPP. Over time, however, the gains can be attractive.

Chart Past Performance

Over time, the gains can be attractive.

Perhaps a better way to understand the value of a long-term investment in your company’s stock is looking at its past performance. While this is no guarantee of future performance, charting the stock price’s course over the past five years or so may give you some idea of what you have been missing by not participating. In the long-running bull market of the 1990s, ESPP participants who stuck with it probably did well.

Dollar Cost Averaging

Even dips in the stock price will work in your favor. The great thing about an ESPP is that it encourages regular investing of a specific amount of money, which allows you to take advantage of something referred to as “dollar cost averaging.” That is: the lower the price, the more shares you can purchase with your accumulated funds at the end of the purchase period and vice versa. Understanding this can make the dips in the company’s stock price much easier to tolerate because the more shares you own the greater the upside potential as the stock price rises.

Example: You have $5,000 deducted from your pay to invest at the end of every offering period. The price at the beginning of one period was $10 but dropped to $5 by the purchase date. With your 15% discount, you purchase 1,176 shares at $4.25 per share (1,176 x $4.25 = $5,000). The next offering period begins on the following day, when the stock is still at $5, and ends when the stock is $10 per share. Again, with the lookback feature and the discount, you purchase another 1,176 shares at $4.25 per share. When the share price reaches, say, $20, the total of 2,352 shares you purchased for $10,000 will have already earned you a pre-tax gain of $37,044 ($20 – $4.25 = $15.75; $15.75 x 2,352 = $37,044). Now that’s putting your money to work!

Keep in mind too that if your company pays dividends the deal gets even better. You will receive a check for the dividend amount each quarter for the stock you hold. If your company has a dividend reinvestment plan, you have yet another opportunity to take advantage of dollar cost averaging to buy even more shares of company stock.

Nonqualified Plans: Convenient And Inexpensive Stock Purchases

The above discussion applies only to Section 423 ESPPs (and even some Section 423 ESPPs may not offer the full 15% discount or the lookback feature). You may also have an attractive ESPP with a discount or match that is not structured to meet the requirements of IRC Section 423 (see a related FAQ ). At the other end of the spectrum are simple non-Section 423 payroll deduction plans that allow you to accumulate funds to purchase company stock at the end of, say, the pay period, or on a monthly basis. No bells or whistles are attached to these plans, and typically they offer no significant discounts off the purchase price. Rather, the appeal of plain payroll deductions is the ease with which you can regularly purchase shares. Plus, the company usually picks up any commissions incurred in the purchase transactions. (Of course, these attractive features are part of all Section 423 ESPPs as well.)

Bottom line: few investments start out with a minimum 17.6% gain. So don’t forget to take full advantage of your company’s ESPP. It offers an easy, efficient, painless, and rewarding way to pursue a disciplined savings plan and build your financial resources for the long term.

Sandra Sussman is a former Executive Director of the National Association of Stock Plan Professionals (www.naspp.com ). She is a member of the NASPP, GEO, WorldatWork, and the Society of Corporate Secretaries and Governance Professionals. In addition, she serves on the Advisory Board of myStockOptions.com.

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22/09/2017

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Keener Financial Planning: Fee Only Financial Advisor in Keller, TX, steps


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Keener Financial Planning

personal financial planning, financial advisor in Dallas Fort Worth, financial advisor in Keller, TX, fee only financial planner, hourly financial planner, investment advice, retirement planning, college planning, divorce financial planning, budgeting and debt management

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Tailored to your unique situation on a fee-only basis.

Your concerns may be retirement, college, changing careers, getting control of your finances, investing more effectively– or likely some combination of those and others.

We take your goals, work with you to discover the best path to reach them, and define clear action steps to get you there.

Personal Financial News

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A brief video sharing why I became a fee only financial planner and how our firm is different. [Read More. ]


21/09/2017

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Business Loan for SME in Malaysia #business #loan, #loan #malaysia, #small


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SME Loans

Need a business loan but have minor CCRIS problem and no guarantor?

Need additional working capital but have no asset or collateral?

We are a business loan consultancy team consisting of ex bankers and lawyers. We assist SME and SMI entrepreneurs to arrange for credit facilities from conventional or islamic banks. Common needs for financing include:

Loans for Asset Acquisition

Asset acquisition is one of the many strategic ways to expand your business. Some of the available business loan products for asset acquisition include:

Term Loan
Term loan is for a specific amount that has a specified repayment schedule and a floating interest rate. It is useful for acquiring assets such as land, buildings and vehicles.

Bridging Facilities
An interim financing (usually one year) to allow the borrower to meet current obligations by providing immediate cash flow pending the arrangement of larger or longer-term financing.

Leasing
Leasing is a contract by which one party conveys land, building, equipment or machinery to another for a specified time, usually in return for a periodic payment. It enables SME to acquire the usage of physical assets without having to purchase.

Industrial Hire Purchase
Financing to upgrade or buy machinery and equipment as part of expanding your business capacity without incurring high upfront payment thus freeing up funds for other uses.

Short Term Financing for Working Capital

To run smoothly, your business needs working capital i.e. the cash available for day-to-day operations of an organization. There are various products offered by financial institutions to provide additional liquidity to your business. And these include:

Overdraft
An overdraft is a credit facility loaded to your current account where the bank extends credit to meet working capital needs such as payment of salaries, purchases, utilities and other unplanned expenses. Although overdraft provides flexibility and convenience the interest is high as it is calculated on a daily basis on outstanding balance at the end of each business day.

Revolving Credit
Revolving credit (also referred to as line of credit LOC) is a type of credit that does not have a fixed number of payments. Corporate revolving credit facilities are typically used to provide short term liquidity for a company s day-to-day operations.

Factoring
In Factoring, SMEs can sell their accounts receivables (i.e. invoices) to a third party (called a factor) at a discount. The purpose is to obtain cash advance to meet urgent cash obligations.

Trade Financing

Another option to provide short term financing is trade financing. Some of the common trade financing facilities provided include:

  • Letter of Credit (LC)
  • Bills of Exchange Purchased (BEP)
  • Trust Receipts
  • Foreign Exchange Contracts
  • Bankers Acceptance
  • Export Credit Financing

21/09/2017

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Christian Finance & Financial Help for individuals & Christian Business in


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Tax Relief – Tax Debt Relief
Tax Lien – IRS Garnishment
IRS Levy – IRS Problems Solved
A Christian Owned and Operated
Tax Relief Website
For the Christian Community

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21/09/2017

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True North Financial Planning, true north financial.#True #north #financial


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  • True north financial

    Find Your Financial Direction

    Our client relationships are grounded in open communication, transparency and education. As your fiduciary, we always work in your best interest to provide unbiased and objective advice. We are independent, fee-only, have no products to sell, and receive no commissions or referral fees. At True North, you are our client, not your money!

    True north financial

    Multi-Disciplinary Approach

    Focused on Your Financial Well-Being

    In addition to crafting holistic financial planning solutions, we provide guidance and tools on a variety of financial matters to help you build a solid foundation for financial success.

    Planning Guidance

    We ll help you explore your goals and objectives, assess what s possible and remove any roadblocks to success.

    Financial Organization

    We ll provide guidance to simplify and streamline your financial affairs to effectively manage your financial record-keeping and reporting.

    Wealth Coaching

    We re focused on providing you with the support and insight you need to get where you want to go by providing financial education and research.

    Success Advocacy

    We ll help you get the best values for your money and develop good financial habits to keep you you on track to achieve your goals.

    Meet the Founder

    True north financial

    Thomas C. Dettre, CPA, MBA

    Founder and President

    True north financial

    Tom has nearly 25 years of professional accounting and financial experience, encompassing public accounting, corporate financial management, and personal financial planning. As a licensed CPA, Tom upholds the CPA profession s standards for financial knowledge, objectivity, and integrity. CPAs extensive training provides a solid foundation for financial planning. CPAs have an unparalleled understanding of how to help clients make sense of, and make the right decisions about, today s complex tax, retirement, estate planning, investing, and insurance issues. Tom, and True North, will help make your financial plan CPA Strong .

    Affiliations

    True north financial

    True north financial

    True north financial

    True north financial

    True north financial

    True North Financial Planning

    A complete, integrative approach to financial planning. Learn More


    14/09/2017

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  • Financial Planning Business Plan Sample – Executive Summary, Bplans, financial advisor


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    Financial Planning Business Plan

    Grizzly Bear Financial Managers is a comprehensive financial planning and estate planning consultancy. Grizzly’s services are comprehensive in terms of offered products (mutual funds, equities, estate planning) and depth of research. Although it costs a fair amount of money for Grizzly to do an in-depth amount of research into prospective investments as well as possible options for the client, this up-front cost will be eclipsed by a long-term relationship that is likely to be established out of earned respect.

    Grizzly Bear Financial Managers serves the Portland Metropolitan area. Grizzly will be generating new clients through a combination of networking and monthly public seminars that introduces otherwise unreachable segments of the population. Besides the seminars developing new business, it is also a way that Grizzly can give back to the community.

    Grizzly is a sole proprietorship that will reach profitability by month eight and will have modest profits by the end of year three.

    Financial advisor business plan pdf

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    1.1 Mission

    Grizzly Bear Financial Managers’ mission is to provide comprehensive financial planning services for our customers. We exist to attract and maintain customers. When we adhere to this maxim, everything else will fall into place. Our services will exceed the expectations of our customers.

    1.2 Objectives

    The objectives for the first three years of operation include:

    1. To create a service-based company whose primary goal is to exceed customer’s expectations.
    2. To increase the number of clients served by at least 20% per year through superior performance and word-of-mouth referrals.
    3. To develop a sustainable financial management company that generates value for their customers.

    Your business plan can look as polished and professional as this sample plan. It’s fast and easy, with LivePlan.

    Financial advisor business plan pdf

    Financial advisor business plan pdf

    Financial advisor business plan pdf

    Plan Outline

    Create your own business plan

    Business planning has never been easier. With 500 complete sample plans, easy financials, and access anywhere, LivePlan turns your great idea into a great plan for success.


    13/09/2017

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    Debt collection Process, Collection Agency Fees, AccessCM, sheffield financial credit score.#Sheffield


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    Welcome to Access Credit Management

    As a leading Credit Management Company, we offer many years of experience in dealing with slow paying debtors and have established a reputation for securing and recovering outstanding commercial debt from around the world.

    Our focus on the commercial debt market other debt collection firms has enabled us to develop a business methodology based on:

    • A detailed evaluation of your problem debt or portfolio to produce a realistic estimate of the likelihood of collection and the setting out of a recommended and cost effective method of recovery.

    As a result of the methodology we develop:

    • A comprehensive recovery operation achieving results by implementing a defined strategy.

    Our continuing success has been built upon:

    • Maintaining client relationships in strict confidentiality
    • Avoiding litigation wherever possible – solutions are primarily sought through innovation and negotiation
    • Offering a tailored service that meets with the clients’ needs and objectives
    • Results driven.

    The strength of Access Credit Management lies in the ability to evaluate, negotiate and the creation of circumstances within which problem debt situations can be successfully resolved.

    Our objective on behalf of you and your business is to:

    • Maximize your cash flow
    • Reduce your financing costs
    • Increase your profitability
    • Reduce the time taken to collect cash from sales
    • Maintain debtor goodwill and commercial trading relationships
    • Minimize litigation costs.

    All collections are conducted in a legal, ethical and professional manner. We value both your and our professional standing in the business community.

    We constantly strive to assist our clients to trade with confidence with existing and future customers on a national and international basis and our continued success has been built upon providing a service that meets with our clients’ requirements.

    As a debt collection agency we try to make the debt collection process seamless so you can carry on with your everyday work.

    Give us a call now to see how we can improve the cash flow of your business.

    Access Credit Management Limited was formed in year 2000 by John Cardwell and John Flaherty (MD). John Flaherty sadly passed away in 2009, a great loss to all who knew him.

    Access Credit Management work for global media businesses, internet giants, high street outlets, publishing houses, construction businesses, technology centres to name but a few.

    We also pride ourselves in offering our services to much smaller businesses who may need a helping hand in order to secure payment on their behalf.

    After 17 years working on a contingent basis, no membership or debt placement fees, we are able to demonstrate our efficiency in the market place, and we are constantly seeking new clients.

    ACM is a truly independent business with a focus on delivering results.

    No collection – no fee.

    UK and International Commercial Debt Collection Agency and Credit Management

    We believe that it is important for both existing and potential clients to know that they are dealing with a reputable and financially capable service provider.

    Independent Credit Ratings

    • Equifax Score 85, rating A
    • Creditsafe Score 81.

    Company Information

    • Company Registration Number: 03937357
    • VAT Registration Number: GB 763 5605 19.

    Licenses

    • Data Protection License Number: Z643776X

    Professional Indemnity Insurance

    • HCC International Insurance Policy Number: PI16A554135

    Access Credit Management Ltd in the Community

    Sheffield financial credit score

    Access Credit Management Ltd are the proud sponsors of the Sheffield DS Active programme – an initiative to provide children with Down’s Syndrome the opportunity to have a fantastic time, training and playing football at some of the UK’s most hallowed grounds.

    After much hard work training, the DS Active team recently do

    nned the Sheffield Blades colours and played in a tournament at Milton Keynes (organised by community staff of the Milton Keynes’ team MK Dons). Our intrepid players then settled down to watch their home team the Sheffield Blades take on the MK Dons in the big stadium (StadiumMK) – for many this was their first experience of all the razzmatazz of a league game. The initiative is a community charity managed by The United Initiative (part of Sheffield United Football Club). Sheffield’s Down’s Syndrome football team have been enjoying football sessions at the Club’s Academy since October 2011.

    But it didn’t stop there for our DS Active team, our young heroes of the field took part in the half time parade. As they walked around the pitch to the booming applause of the big stadium crowd, there were some huge grins on some little faces!

    The following week saw our intrepid heroes take part in a similar tournament hosted by West Bromwich Albion. The excitement continues with more training and events lined up for the year.

    “The United Initiative would like to extend massive thanks Access Credit Management who are currently sponsoring our DS Active programme as well as everyone involved in these events including the host clubs, coaches, families, friends and of course the players!”, Sheffield FC’s United Initiative


    13/09/2017

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    There s Something Hugely Wrong In the U #financial, #news, #stock,


    #

    There’s Something Hugely Wrong In the U.S. Labor Force, Explains JP Morgan CEO Jamie Dimon

    There’s one number regarding the United States labor force that worries Jamie Dimon.

    The JPMorgan Chase (JPM ) CEO noted the “staggering” decline in the workforce participation rate among working-age men in a call with reporters on Tuesday. The aside came in a briefing on the Business Roundtable’s latest CEO survey. Dimon is the chairman of the corporate lobbying group.

    “I want to point you to one segment, okay, which is not a collective demographic, one segment and only one segment, and you should all write about it, and it’s a staggering number,” he said when asked by a reporter about unemployment. “Labor force participation by men between 25 and 55 has gone down from 96% to something like 86 to 87%. That is not demographics folks, that’s 10 million people who left the workforce. And maybe some have gone back, my numbers are a little bit old. Write about that segment, okay? That is a huge number.”

    Dimon’s numbers were not quite exact, but the sentiment hones in on a multi-decade trend of men dropping out of the workforce.

    While the unemployment rate dropped 4.3% in May, labor force participation by men age 25 to 54 (commonly called “prime-age men”) fell to 88.4%, its lowest figure so far this year. Labor force participation for the group hasn’t been above 90% since 2009, and the last time it was at or above the 96% figure Dimon referenced was in 1970.

    “There’s something wrong,” Dimon said.

    “It’s a big deal,” said Economic Policy Institute economist Elise Gould. “If you look back from mid-century. you see that men have been declining for a very long period of time, and the trends since 2000 are really a continuation of what’s been happening.”

    It’s not just men who are dropping out of the labor force but women as well. After decades of increases in labor force participation among prime-age women, it has slowly been dropping off since the turn of the century.

    “The fact that that has been declining over the last 16 years is a conundrum,” Gould said.

    The problem of nonworking prime-age men has been thoroughly examined by lawmakers and economists seeking a solution. The White House Council of Economic Advisers under President Obama last year released a report offering up a number of possible explanations for the trend, including increasing rates of women in the workforce, rising disability insurance claims, falling demand for less-skilled workers and barriers to employment for men with criminal records.

    Brookings Institution researchers Eleanor Krause and Isabel Sawhill in a paper suggested those and other factors could be in play.

    “There is no one smoking gun in this story, although if we had to point to the three most prominent, they would be a general lack of the right education and skills, too many years of slack labor markets, and high rates of incarceration,” they wrote.

    “Growing inequality certainly can be seen as having a cost,” Gould said.

    Click here for the latest business headlines.


    12/09/2017

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    Tennessee Auto Title Services – Auto Title – Bonded Title –


    #

    Tennessee Auto Title Services assists vehicle owners with car title registration problems in YOUR LOCAL COUNTY and surrounding cities. Do you need help with an auto title issue?

    Auto Title Service Office: 1-877-845-2368
    Fax: 1-877-512-2622

    We Are The Tennessee Auto Title Cowboys! Classic Cars, Muscle Cars, Hot Rods, Collector Cars, Luxury Cars, Competition Cars, Race Cars, Sports Cars, Passenger Cars, Light Trucks, Heavy Trucks, Kit Vehicles, Motorcycles and Mopeds.

    Buying Selling a used car in Tennessee?
    Call Tennessee Auto Title today!
    1-877-845-2368

    Did you purchase a used motor vehicle from an individual who DID NOT PROVIDE you with a valid Tennessee Certificate of Title at the time of sale? NO TITLE? NO PROBLEM! Call now!

    We specialize in all Auto Title Services including:

    BONDS – AUTO TITLE SURETY BONDS WHEN NO TITLE IS AVAILABLE

    INSURANCE COMPANY TOTAL LOSS ASSISTANCE

    CLASSIC CAR / INSURANCE POLICY APPRAISALS

    Tennessee DMV Compliant

    Bureau of Certified Auto Appraisers – IACP

    Houston Auto Appraisers

    NADA / KBB / Black Book

    Clear Auto Title! Salvage Rebuilt titles!

    Auto / Truck / Motorcycles / Bus / Tractor / Trailer / Commercial Vehicle / RVs / Motor Homes / Boat Trailers / Heavy Equipment / Oil Field Equipment / Machinery / Vehicle Titles Registrations.

    Stolen Vehicle / Total Loss Vehicle Verification Service fees apply

    We come to you! Serving all areas!
    No long lines and no rude county workers! Open 7 Days a Week! 1-877-845-2368

    SPV Appraisals, Auto Titles Registration services on
    Heavy Duty Trucks – Class 7-8 GVW up to 80,000 lbs

    Medium Duty Trucks – Class 4-6 GVW 14,000-26,000 lbs

    Beverage Trucks
    Bucket Trucks / Boom Trucks
    Cab Chassis Trucks
    Cabover Trucks
    Car Carrier Trucks
    Chipper Trucks
    Conventional Trucks
    Crane Trucks
    Digger Derrick Trucks
    Dump Trucks
    Dump Chassis Trucks
    Dump / Transfer
    Expeditor / Hot Shot Trucks
    Farm Trucks
    Fire Trucks
    Flatbed Trucks
    Flatbed-Dump
    Fuel Trucks
    Garbage Trucks Packer
    Roll-Off
    Glider Kit

    Grapple Trucks
    Hooklift Trucks
    Logging Trucks
    Mixer / Asphalt / Concrete Trucks
    Passenger Bus
    Plow/Spreader Trucks
    Recreational Vehicles
    Recycle Trucks
    Salvage Trucks
    Service Trucks Utility /
    Mechanic Trucks
    Stake Trucks
    Stone Spreader Trucks
    Tank Trucks
    Asphalt / Hot Oil
    Chemical / Acid
    Gasoline / Fuel
    Sewer Rodder / Septic
    Vacuum
    Van Trucks Straight Trucks

    SPV Appraisals, Auto Titles Registration services on
    Commercial, Industrial, and Personal Trailers:

    Agriculture Equipment Transport
    Belt Trailers
    Beverage Trailers
    Blade / Tower Trailers
    Car Carrier Trailers
    Enclosed
    Open
    Chipper Trailers
    Curtain Side Trailers
    Dolly Trailers
    Double Drop Trailers
    Drop Deck Trailers
    Drop Frame Van Trailers
    Electronics
    Moving
    Dry Van Trailers
    Dump Trailers
    Bottom
    End
    Side

    Live Floor Trailers
    Livestock Trailers
    Log Trailers
    Lowboy Trailers
    Oil Field Trailers
    Open Top Trailers
    Pole Trailers
    Pup Trailers
    Reefer Trailers
    Reel / Cable Trailers
    Refuse Trailers
    Roll Off Trailers
    Storage Trailers
    Tag Trailers
    Tank Trailers
    Flatbed Trailers
    Hopper / Grain Trailers
    Horse Trailers
    Intermodal / Container Trailers

    Asphalt / Hot Oil
    Chemical / Acid
    Crude Oil
    Frac Gasoline / Fuel
    Industrial Gas
    Non Code
    Other
    Pneumatic / Dry Bulk
    Sanitary
    Vacuum
    Waste / Sludge
    Water
    Travel Trailers
    Traveling Axle Trailers
    Utility / Light Duty Trailers
    Cargo
    Dump
    Flat
    Landscape

    Tennessee Auto Title Company dba Houston Auto Appraisers serves the entire state of Tennessee including all major cities: Nashville TN, Memphis TN, Chattanooga TN, Knoxville TN, Gatlinburg TN, Murfreesboro TN, Pigeon Forge TN, Clarksville TN, Johnson City TN, Franklin TN, Kingsport TN, Oak Ridge TN, Sevierville TN, Cookeville TN, Brentwood TN, Jackson TN, Hendersonville TN, Maryville TN, Crossville TN, Germantown TN, Mt. Juliet TN, Cleveland TN, Bristol TN, Greeneville TN, Lebanon TN, Morristown TN, Collierville TN, Smyrna, Gallatin TN, Spring Hill TN, Lynchburg TN, Manchester TN, Columbia TN, Jonesborough TN, Goodlettsville TN, Bartlett TN, Elizabethton TN, and Sewanee TN.


    10/09/2017

    Posted In: NEWS

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    Everest College – Skokie, IL – Colleges – Universities #insurance, #financial


    #

    Everest College

    High School, Secondary.

    Everest College was established in 2015, in SKOKIE, IL – Cook County and is a business listed in the categories Colleges & Universities, Business, Vocational & Technical, Elementary Schools, Secondary Schools, Miscellaneous Government, Elementary And Secondary Schools, Colleges, Universities, And Professional Schools, Schools, Vocational, Business, Executive Offices, Colleges, Universities, & Professional Schools, Government Offices, School Colleges & Universities, School Secondary & Elementary and School Business & Vocational and offers Insurance, Financial Aid Available, Career Planning, Financial Aid, Financial Assistance, Financing etc. If you did business with Everest College, please leave a review and help us improve and help other people. Also, don’t forget to mention Hubbiz.

    Colleges Universities, Business, Vocational Technical, Elementary Schools, Secondary Schools, Miscellaneous Government, Elementary and Secondary Schools, Colleges, Universities, and Professional Schools, Schools, Vocational, Business, Executive Offices, Colleges, Universities, Professional Schools, Government Offices, School Colleges Universities, School Secondary Elementary, School Business Vocational

    Insurance Accepted, Apply by Mail

    Financial Aid Available, Career Planning, Financial Aid, Financial Assistance, Financing, Tuition Assistance, Dentistry, Massage Therapy, Accounting, Business, Day, Pharmacy, Pharmacy Technician, Body Work, HANDS-ON CAREER TRAINING IN. Medical Administrative Assistant, MEDICAL ASSISTANT, Medical Insurance Billing and Codin Pharmacy Technician, CAREER SERVICES ASSISTANCE AVAILABLE TO GRADUATES, Hands-On Training Learn by Doing, HIGHER EDUCATION

    FINANCIAL AID AVAILABLE FOR THOSE WHO QUALIFY, Credit Card

    Dental Assistant, High School Programs, Medical Administration, Pharmacy Technology, Graduate Degrees, Health Medical, Medical Assistance, Training Programs, medical office administration, Health Care, Medicine, Medical Office Administration


    09/09/2017

    Posted In: NEWS

    Tags: , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

    Leave a Comment

    A College Student s Financial Success key #best #cheap #vacations

    #cheap airfare and hotel
    #

    A College Student’s Financial Success key

    Financial success may come in different forms. Financial success does not only mean that you are financially independent, or you have been able to make thousands of dollars off the stock market. To be financially successful, may mean making sure by the time you graduate from college, you are not in debt or worse off than you started.

    As essential as it is to secure a part-time job to support your personal wants, you must be aware of the hidden regressors that come uninvited. Your first check in the mail, brings you to some degree, some feeling of accomplishment. Your adult life is just beginning, where you see the value of getting paid for work done. It goes without say that it s at that time where you start to take on additional responsibilities. The importance of communication and being able to be reached wherever and whenever, prompts you to procure a wireless. The apparent need of getting to and from your job incurs the cost of driving insurance, gas and all other related transportation expenses. Indubitably, acquiring a job doesn t always mean money inflow; it creates a path for money outflow. One needs to be prepared for the unexpected and the ability to be financially successful.

    Credit cards: a friend or a foe? When the due date for bills draw nigh, and the checks are not coming in as often as you would have expected, many students feel pressured to use credit cards as a means of a short-term loan. This method where you plan on immediate repayment is not harmful; however, many students misconstrue that credit cards are an invention to make college life luxurious and comfortable. Wrong!

    Saving is sometimes barely doable for some students, since they end up owing money to all these credit card companies. Our system is designed so that without good credit, one is limited from doing a lot of things. It is thus sagacious if we use our credit cards wisely. Use credit cards for things you know will definitely bring you a return. For example, use your credit cards to buy gas to take you to work. When you decide to use your credit cards to buy all the possible clothes on sale; and the purchase is backed by the conviction of repayment after you graduate, put the credit card back in your book bag.

    Credit cards can either make you or unmake you; this is because if you use them wisely, once you graduate, it will be easier to get a loan for a new car or a lower security deposit on that new apartment. For the college students that work, there is always a possibility of saving your money, even if you can t save a lot; you can still save a little. Try to research online, for banks that offer high interest rates on their savings account. The proliferation of online savings accounts has undeniably increased the interest rates, and thus the potential to earn more on your savings.

    To be financially successful means to be free from debt, in the college perspective it is to try to avoid a post-graduation debt. The broke college student has the ability to be financially successful, if means are taking to save more and use credit wisely.





    07/09/2017

    Posted In: NEWS

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    A College Student s Financial Success key #travel #to #thailand

    #hotel flight deals
    #

    A College Student’s Financial Success key

    Financial success may come in different forms. Financial success does not only mean that you are financially independent, or you have been able to make thousands of dollars off the stock market. To be financially successful, may mean making sure by the time you graduate from college, you are not in debt or worse off than you started.

    As essential as it is to secure a part-time job to support your personal wants, you must be aware of the hidden regressors that come uninvited. Your first check in the mail, brings you to some degree, some feeling of accomplishment. Your adult life is just beginning, where you see the value of getting paid for work done. It goes without say that it s at that time where you start to take on additional responsibilities. The importance of communication and being able to be reached wherever and whenever, prompts you to procure a wireless. The apparent need of getting to and from your job incurs the cost of driving insurance, gas and all other related transportation expenses. Indubitably, acquiring a job doesn t always mean money inflow; it creates a path for money outflow. One needs to be prepared for the unexpected and the ability to be financially successful.

    Credit cards: a friend or a foe? When the due date for bills draw nigh, and the checks are not coming in as often as you would have expected, many students feel pressured to use credit cards as a means of a short-term loan. This method where you plan on immediate repayment is not harmful; however, many students misconstrue that credit cards are an invention to make college life luxurious and comfortable. Wrong!

    Saving is sometimes barely doable for some students, since they end up owing money to all these credit card companies. Our system is designed so that without good credit, one is limited from doing a lot of things. It is thus sagacious if we use our credit cards wisely. Use credit cards for things you know will definitely bring you a return. For example, use your credit cards to buy gas to take you to work. When you decide to use your credit cards to buy all the possible clothes on sale; and the purchase is backed by the conviction of repayment after you graduate, put the credit card back in your book bag.

    Credit cards can either make you or unmake you; this is because if you use them wisely, once you graduate, it will be easier to get a loan for a new car or a lower security deposit on that new apartment. For the college students that work, there is always a possibility of saving your money, even if you can t save a lot; you can still save a little. Try to research online, for banks that offer high interest rates on their savings account. The proliferation of online savings accounts has undeniably increased the interest rates, and thus the potential to earn more on your savings.

    To be financially successful means to be free from debt, in the college perspective it is to try to avoid a post-graduation debt. The broke college student has the ability to be financially successful, if means are taking to save more and use credit wisely.





    07/09/2017

    Posted In: NEWS

    Tags: , , , , , ,

    Leave a Comment

    A College Student s Financial Success key #william #shatner #travel

    #flight hotel deals
    #

    A College Student’s Financial Success key

    Financial success may come in different forms. Financial success does not only mean that you are financially independent, or you have been able to make thousands of dollars off the stock market. To be financially successful, may mean making sure by the time you graduate from college, you are not in debt or worse off than you started.

    As essential as it is to secure a part-time job to support your personal wants, you must be aware of the hidden regressors that come uninvited. Your first check in the mail, brings you to some degree, some feeling of accomplishment. Your adult life is just beginning, where you see the value of getting paid for work done. It goes without say that it s at that time where you start to take on additional responsibilities. The importance of communication and being able to be reached wherever and whenever, prompts you to procure a wireless. The apparent need of getting to and from your job incurs the cost of driving insurance, gas and all other related transportation expenses. Indubitably, acquiring a job doesn t always mean money inflow; it creates a path for money outflow. One needs to be prepared for the unexpected and the ability to be financially successful.

    Credit cards: a friend or a foe? When the due date for bills draw nigh, and the checks are not coming in as often as you would have expected, many students feel pressured to use credit cards as a means of a short-term loan. This method where you plan on immediate repayment is not harmful; however, many students misconstrue that credit cards are an invention to make college life luxurious and comfortable. Wrong!

    Saving is sometimes barely doable for some students, since they end up owing money to all these credit card companies. Our system is designed so that without good credit, one is limited from doing a lot of things. It is thus sagacious if we use our credit cards wisely. Use credit cards for things you know will definitely bring you a return. For example, use your credit cards to buy gas to take you to work. When you decide to use your credit cards to buy all the possible clothes on sale; and the purchase is backed by the conviction of repayment after you graduate, put the credit card back in your book bag.

    Credit cards can either make you or unmake you; this is because if you use them wisely, once you graduate, it will be easier to get a loan for a new car or a lower security deposit on that new apartment. For the college students that work, there is always a possibility of saving your money, even if you can t save a lot; you can still save a little. Try to research online, for banks that offer high interest rates on their savings account. The proliferation of online savings accounts has undeniably increased the interest rates, and thus the potential to earn more on your savings.

    To be financially successful means to be free from debt, in the college perspective it is to try to avoid a post-graduation debt. The broke college student has the ability to be financially successful, if means are taking to save more and use credit wisely.





    07/09/2017

    Posted In: NEWS

    Tags: , , , , , ,

    Leave a Comment

    A College Student s Financial Success key #his #travel

    #flight hotel deals
    #

    A College Student’s Financial Success key

    Financial success may come in different forms. Financial success does not only mean that you are financially independent, or you have been able to make thousands of dollars off the stock market. To be financially successful, may mean making sure by the time you graduate from college, you are not in debt or worse off than you started.

    As essential as it is to secure a part-time job to support your personal wants, you must be aware of the hidden regressors that come uninvited. Your first check in the mail, brings you to some degree, some feeling of accomplishment. Your adult life is just beginning, where you see the value of getting paid for work done. It goes without say that it s at that time where you start to take on additional responsibilities. The importance of communication and being able to be reached wherever and whenever, prompts you to procure a wireless. The apparent need of getting to and from your job incurs the cost of driving insurance, gas and all other related transportation expenses. Indubitably, acquiring a job doesn t always mean money inflow; it creates a path for money outflow. One needs to be prepared for the unexpected and the ability to be financially successful.

    Credit cards: a friend or a foe? When the due date for bills draw nigh, and the checks are not coming in as often as you would have expected, many students feel pressured to use credit cards as a means of a short-term loan. This method where you plan on immediate repayment is not harmful; however, many students misconstrue that credit cards are an invention to make college life luxurious and comfortable. Wrong!

    Saving is sometimes barely doable for some students, since they end up owing money to all these credit card companies. Our system is designed so that without good credit, one is limited from doing a lot of things. It is thus sagacious if we use our credit cards wisely. Use credit cards for things you know will definitely bring you a return. For example, use your credit cards to buy gas to take you to work. When you decide to use your credit cards to buy all the possible clothes on sale; and the purchase is backed by the conviction of repayment after you graduate, put the credit card back in your book bag.

    Credit cards can either make you or unmake you; this is because if you use them wisely, once you graduate, it will be easier to get a loan for a new car or a lower security deposit on that new apartment. For the college students that work, there is always a possibility of saving your money, even if you can t save a lot; you can still save a little. Try to research online, for banks that offer high interest rates on their savings account. The proliferation of online savings accounts has undeniably increased the interest rates, and thus the potential to earn more on your savings.

    To be financially successful means to be free from debt, in the college perspective it is to try to avoid a post-graduation debt. The broke college student has the ability to be financially successful, if means are taking to save more and use credit wisely.





    07/09/2017

    Posted In: NEWS

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    FamilyWealthReport – Exclusive Intelligence for the family office community #family #office,family


    #

    Josh O’Neill, 23 June 2017

    The results of the first phase of the US Federal Reserve’s stress test are music to congressional Republicans’ ears.

    Robbie Lawther, 22 June 2017

    UBS Wealth Management has published a white paper on Millennial wealth to explore how their desire for technology how this will impact the financial services sector.

    Diane Harrison, 21 June 2017

    Best-selling novelists may hold a clue on the smart way for investment firms to pitch their ideas to wealth managers, so the author of this article argues.

    Tom Burroughes, 20 June 2017

    Wealthy families need to observe certain disciplines in using social media so that reputations are protected and nurtured. The family office firm talks to FWR about some of the issues.

    Latest News

    Market Research – June 23, 2017

    New data on the cannabis industry outlines a growth pattern that will likely blow your mind.

    Strategy – June 23, 2017

    Several large international banks have voted to replace a key inter-bank lending rate.

    New Office – June 23, 2017

    The new center is located in Union Square, Manhattan.

    New Office – June 23, 2017

    The bank has revamped one of its branches in the Golden State.

    People Moves – June 23, 2017

    Financial services giant Raymond James serves more than 3 million client accounts through 7,200 financial advisors in the United States, Canada and overseas.

    Comment and Analysis

    Philanthropy – June 7, 2017

    A regular columnist for FWR does not pull any punches in analyzing the current direction of US tax policy as it affects philanthropic giving, and gives advice to wealthy donors on how to act.

    Investment Strategies – May 22, 2017

    Whatever one thinks of the claims and counter-claims surrounding Donald Trump following his recent firing of the FBI’s head, markets have been rattled. But arguably, equities are due for a correction and there i.

    Technology – May 19, 2017

    The wealth management industry has had another ear-piercing wake-up call about cybercrime, and the author of this article lays out ideas on how to defeat the hackers.

    Technology – May 8, 2017

    Your correspondent recently attended financial technology giant Temenos’ annual conference and it threw out a range of insights of value for the global wealth industry.

    Philanthropy – April 26, 2017

    Negotiating a successful gift considers both parties� interests and finds the commonalities of intent and opportunity, argues philanthropy advisor and expert Susan Winer.

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    25/08/2017

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    Savings account internet #community #bank, #banking, #bank, #loans, #deposits, #savings, #financial


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    Savings

    Your financial needs are important to us and we want to help you achieve your financial goals. Whether you are looking to start your savings program or you are looking for a high-yield money market account, Farmers State Bank has the account for you.

    HI-FI Investment Account

    For savers who want to earn better interest rates on their deposits than a statement savings account.

    If you re looking for a good high-yield investment account that earns interest, you ve found it. This is for customers who keep high balances, do not need to make withdrawals and want to maximize the interest they earn. Plus, interest is compounded and credited monthly.

    Your HIFI Account includes:

    • Minimum opening balance of $2,500
    • $10 monthly balance fee if balance falls below $2,500
      or below the minimum average daily balance of $5,000
    • Minimum withdrawal is $500
    • Limit of 6 transfers to other accounts or third
      parties with preauthorization per statement cycle
    • Free telephone and online banking
    • Interest rate paid rises at each of the following
      balances: $10,000, $50,000 and $100,000
    • Free FSB mobile banking*
    • Free FSB SMS text banking*

    Note: Other conditions and fees may apply
    The interest rates and annual percentage yields may change at any time

    *Msg/Data rates may apply

    Statement Savings

    Savers who want to earn interest on their deposits and receive a monthly statement.

    This is a flexible account that records monthly statement activity. Interest is posted to your statement savings each month. This account is perfect for individuals, families, minors, senior citizens and anyone wanting convenience and flexibility. The statement can be tied to a checking account statement for ease in reconciling accounts.

    Your Statement Savings account includes:

    • $50 opening deposit required
    • $2 monthly balance fee if balance falls below $200; fee waived if over age 62, under age 18 or are a charitable organization
    • Free telephone and online banking
    • Limit of 6 transfers to other accounts or third parties with preauthorization per statement cycle
    • Must maintain a minimum average daily balance
      of $100 to obtain the disclosed annual percentage yield
    • Free FSB mobile banking*
    • Free FSB SMS text banking*

    Note: Other conditions and fees may apply
    The interest rates and annual percentage yields may change at any time

    *Msg/Data rates may apply

    Christmas Club

    This account allows customers to have a dedicated account to make steady deposits throughout the year.

    It s never too early to start saving for the holiday season. The Christmas Club account makes it easy. A small regular deposit can grow into a substantial holiday fund. In early October, we will mail you a check in time to start your holiday shopping.

    Your Christmas Club account includes:

    • Minimum initial deposit $1
    • No monthly maintanence fee
    • No minimum balance required
    • No monthly deposit minimum
    • Check received in the fall for holiday shopping

    Note: Other conditions and fees may apply

    The interest rates and annual percentage yields may change at any time


    24/08/2017

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    CTDLC Home #connecticut #distance #learning #consortium, #ctdlc, #connecticut, #distance, #learning, #consortium,


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    CTDLC ANNOUNCES THE WINNERS OF THE 2016 DIANE J. GOLDSMITH AWARD FOR EXCELLENCE IN ETUTORING Newington, Conn. U.S.A. (October 3, 2016) – The Connecticut Distance Learning Consortium (CTDLC), whose online tutoring program serves an international community of 2-year and 4-year colleges and unive.

    CTDLC ANNOUNCES THE WINNERS OF THE 2016 DIANE J. GOLDSMITH AWARD FOR EXCELLENCE IN ETUTORING Newington, Conn. U.S.A. (October 3, 2016) – The Connecticut Distance Learning Consortium (CTDLC), whose online tutoring program serves an international community of 2-year and 4-year colleges and unive.

    May 25, 2016 at Fairfield University Our Featured Keynote Speaker will be Dr. Robbie Melton “Education On-Demand and In Your Hands” The Internet of Things or IoT will not be gently knocking at higher education’s door, it will be banging on our doors with an army of devices in tow, and sooner.

    Call for Proposals Deadline Extended! The Conference will be held on Wednesday, May 25th, 2016, at Fairfield University. The DEADLINE FOR SUBMISSIONS has been extended until Friday, March 18th. The Connecticut Distance.

    The Connecticut Distance Learning Consortium (CTDLC), a division of Charter Oak State College and a member of the Connecticut Board of Regents of Higher Education, recently completed development of a series of online courses offered in American Sign Language (ASL) by the Connecticut Bureau of Rehabi.

    The Connecticut Distance Learning Consortium (CTDLC), whose online tutoring program serves an international community of 2-year and 4-year colleges and universities, is pleased to announce the recipients of this year’s Diane J. Goldsmith Award for excellence in

    Today we are pleased to be the focus of the WCET Frontiers blog. Our Call Center is very proud of all they have accomplished and are now able to offer to our clients. Here’s the link. We are always open to new cli.

    If you are new to online learning, instructional design, eLearning course development, or would simply like to learn more about the world of online education, this course is designed for you. Discounted rate for eTutoring.org Schools. A Two-Week Course Starts Monday, July 27th, 2015 Registration.

    CTDLC is proud to announce its latest partnership with Connect-Ability, Department of Services (DORS). and the Bureau of Reh.


    23/08/2017

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    Home – Bloomsbury Wealth #sensible #financial #planning


    #

    The Bloomsbury Wealth team helped me to understand my financial situation… they took lifestyle, commitments, family, taxation and risk tolerance into consideration and built an efficient investment portfolio… I am extremely happy with the outcome. I have complete confidence that my wealth is being properly managed as agreed between me and the firm.

    AS

    Taking the first step

    With Bloomsbury Wealth having nearly 20 years of established operations, a highly qualified and talented team of individuals and a clear view of how to provide the best possible results for our clients, you can be sure of experiencing an exceptional level of service once you walk through our door and embark on your planning journey using our tried and tested route. But you have to make the first move on the path to achieving true wealth. Find out how financial planning can help you to achieve your life goals and peace of mind. The first step starts here…

    Building blocks

    At Bloomsbury Wealth we are big on relationships. If you are confident that you are being well looked after, you will have the time and mind space to concentrate on all the other important aspects of your life: your family, your work, your hobbies and interests. The relationship that we create with you is unique. Experience with our existing clients tells us that the longer we work together and the deeper the relationship becomes, the more that inspires trust, confidence and the emotional freedom that brings; because let’s face it: money is an emotive issue. What are you looking for from your adviser?

    If you’re not quite ready to contact us, why not join our e-bulletin community for regular insights on life, strategy and wealth – you can sign up below to Subscribe to our news to get started…

    Our Team


    20/08/2017

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    Finding Your First Financial Adviser After You Are 50 #finding #a


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    Finding Your First Financial Adviser After 50

    Credit: Adobe Stock

    You’ve heard about financial advisers your whole adult life, professionals who reputedly combined the know-how of accountants with the money wizardry of seasoned investors. So how come you’ve never been to a financial adviser?

    The possible reasons are many.

    Why People Don’t Hire a Financial Adviser

    “I think some folks believe they’ll be sold something they don’t need,” said Sterling Raskie, instructor of finance at the University of Illinois Urbana-Champaign. Others, Raskie said, may be apprehensive about dealing with their finances. In addition, “some are afraid a financial adviser might be too expensive, while others may not know where to look for one,” Raskie added.

    People put off going to a financial adviser for “the same reason I put off doing my taxes: It’s boring and sometimes painful,” said Taylor Schulte, a Certified Financial Planner and founder of Define Financial in San Diego. “A research group once described financial planning as feeling like a mix between a dental visit, math class and marriage therapy.”

    Some are afraid a financial adviser might be too expensive, while others may not know where to look for one.

    — Sterling Raskie, University of Illinois Urbana-Champaign

    “We often hear something along the lines of, ‘I’ve made it this far without a financial adviser, why do I need you now?’” Schulte said. “After 30 years of managing their own finances, it’s not always easy to turn the keys over.”

    What a Financial Adviser Does and Charges

    A recent Northwestern Mutual survey found that nearly seven in 10 Americans say they don’t have a trusted money adviser. And almost half (45 percent) don’t know where to get the help they need.

    Ready to get a financial adviser? First be sure you understand what a financial adviser is and does. “For some, a quick talk with their broker counts as seeing a financial adviser. I disagree,” said Eve Kaplan of Kaplan Financial Advisers in Berkeley Heights, N.J.

    Financial advisers should help you map a money plan based on your goals, discuss asset allocation options for your investments and help keep you on track with your plan. He or she shouldn’t try to predict the market or forecast precise returns on your investments.

    Advisers generally charge a flat fee (either hourly or based on the percentage of your assets the adviser handles), earn a commission on products sold or work for some combination of the two. It’s important to decide what compensation arrangement meets your needs and your best interests.

    Why People Look for Advisers After 50

    A major life event often triggers someone over 50 to call a financial adviser for the first time: a death in the family, a divorce or an inheritance, for example.

    The accountant of a retired couple recently referred them to Schulte after the husband’s mother died. “For the first time in their life, they had a seven-figure account balance. Along with cash distributions and retirement accounts, they also inherited fractional shares of both commercial and residential real estate,” he said. “The number of moving parts urged them to contact a professional to be sure they made smart decisions.”

    In other cases, impending retirement is reason enough. “After 50, some folks are done funding college and they suddenly realize retirement looms – and perhaps they are woefully unprepared,” Kaplan added.

    Bouncing From One Adviser to Another

    Rita Jensen, of New York City, first saw a financial adviser a few years ago, after turning 66. “I had just sold my co-op and was flush with cash,” she said. “I wanted expert advice. I didn’t do it before because I was distracted: work, kids and so on.”

    But Jensen wasn’t pleased with the firm. “What they really offered was to advise me for all sorts of fees to keep my crucial documents in their vault and then invest my money for me. Which they delegated to another firm. I was underwhelmed.”

    Jensen found one adviser at her bank, “a youngish man … I think he churned my account, because it never really grew,” she recalled. “I got annoyed when he and his team couldn’t estimate for me how much my RMDs [required minimum distributions from retirement plans] would be.

    Then she had a financial adviser from another bank. That didn’t work out well either. “I just picked her from the phone book because her office was near my office. I kind of liked her, an older woman, and I felt she looked out for me. But a large portion of my savings was in money markets and I didn’t really experience any growth.”

    Jensen eventually found what she thinks is reliable adviser — through her niece. “I hope this one works out okay,” she said. “I am so busy that and so poorly informed that I just look at the bottom line once in a while and check that I haven’t lost money and hope I actually gained. But at least my current adviser was able to accurately estimate my RMD.”

    Locating Local Financial Advisers

    Discount brokerage houses such as Vanguard and Schwab will offer financial advice, but to find a self-employed adviser or small firm you can use your ZIP code to search the sites of the Certified Financial Planner Board or The National Association of Personal Financial Advisors. a group of advisers who charge fees and don’t take commissions on financial products.

    Once you have the names of a few potential advisers (you might ask your friends and family for ones they’ve been happy using, too), you’ll next want to vet them to match your comfort level, goals and wallet.

    Generally financial advisers hold designations that reveal much about their expertise. For example, a Certified Financial Planner (CFP) designation means the adviser passed requirements of the Certified Financial Planner Board of Standards. A Chartered Financial Consultant (ChFC) designation requires at least three years’ experience in the financial industry before passing finance courses at The American College.

    Next Avenue Editors Also Recommend:

    Jeff Stimpson is a tax and personal finance writer for TaxPro Today, TheStreet and other outlets.


    18/08/2017

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    Insurance Division #financial #liability #insurance


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    Insurance Division

    The mission of the Insurance Division is to maintain affordability and availability of insurance for Vermonters, ensure that insurers are able to meet their contractual obligations, to ensure reasonable and orderly competition among insurers, and to protect Vermont consumers against unfair and unlawful business practices.

    Toward this goal, the Vermont Department of Financial Regulation is part of the U.S. insurance regulatory framework which is a highly coordinated state-based national system designed to protect policyholders and to serve the greater public interest through the effective regulation of the U.S. insurance marketplace. Through the National Association of Insurance Commissioners (NAIC), insurance regulators establish national standards and best practices, conduct peer reviews and coordinate their regulatory oversight to better protect the interests of consumers while ensuring a strong, viable insurance marketplace. U.S. insurance regulators also participate in the International Association of Insurance Supervisors (IAIS) along with the NAIC by participating in all its major standard-setting initiatives, including working with fellow regulators from around the world to better supervise cross-border insurers, identifying systemic risk in the insurance sector, and creating international best practices.

    The Insurance Division regulates the insurance industry in Vermont and protects the public in these general areas:

    • Solvency laws require insurance companies to operate in a fiscally responsible manner so that, after taking their customers’ money (premiums), they can be counted on to pay claims down the road.
    • Consumer protection laws require companies to sell legal insurance products through licensed producers, treat consumers fairly, and pay claims in a timely manner.
    • Health insurance laws require that consumers are afforded full disclosure of information, a full and fair review of a grievance and that health plans meet quality and access standards for care.
    • Health insurance plans are audited annually and periodically by the Insurance Division for compliance with Vermont regulations.
    • All insurance policies sold in Vermont are reviewed and approved by the Insurance Division to ensure that they provide the protections required by Vermont law.

    15/08/2017

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    Undue Influence #elder, #law, #attorney, #riverside, #riverside #county, #california, #george #f.


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    Undue Influence

    Undue influence is a key element in financial abuse cases. Almost always, the elderly victim was taken advantage of through coercion, manipulation or trickery and thus lost their property and money to the perpetrator.

    California Civil Code Section 1575 describes undue influence as:

    The use, by one in whom a confidence is reposed by another, or who holds a real or apparent authority over him or her, of such confidence or authority for the purpose of obtaining an unfair advantage over him or her;

    Taking an unfair advantage of another s weaker state of mind; or

    Taking a grossly oppressive and unfair advantage of another s necessities or distress.

    As you can see, taking advantage of an elder is the key theme in financial abuse cases.

    There are numerous ways that the elderly are taken advantage of. One of the most prolific is the improper use of financial powers of attorney. Placed into the hands of a greedy son or daughter, this powerful document can become a license to steal . Here s a quick example:

    Mom had always lived independently and always handled her own finances. She would never relinquish control over her investments or bank accounts. However, over the years she began to develop symptoms of dementia short and long term memory loss. Although she had some friends, none of them felt it was their place to step in and assist her with her financial matters.

    Because of the current economic situation . her son recently lost his job and his bank was threatening to foreclose on his home. He now sees an easy way out. He relentlessly badgers mom until he overpowers her deep-rooted need for independence, and unduly influences her into signing a financial power of attorney by convincing her that she needs help in paying her bills. Son now takes the power of attorney to mom s bank and adds his name on both her checking and savings accounts.

    It isn t long until her accounts are depleted and she never saw it coming because of her diminished mental capacity.

    Under California law, undue influence can be presumed to have occured whenever a special relationship exists between the elder and the perpetrator. Determining whether a special relationship exists involves questions of fact and depends on the circumstances of each case. Such a relationship can be established by the close proximity of the perpetrator to the elderly victim. Caregivers, nurses, friends or relatives can all, potentially, be so involved in the elder s life that such a special relationship exists to trigger the presumption that undue influence occurred.

    The importance of this presumption, once established, is that it shifts the burden to the defendant (the son in the above example) to prove that undue influence did not occur.

    Another factor in determining whether undue influence occurred, it is a determination as to the adequacy of consideration that was given to the elder by the defendant. In making such a determination, the Court will consider the degree of isolation, failing health, and mental capacity of the elder and what benefit, if any, the defendant provided to the elder.

    One more factor is whether or not the elder obtained independent legal advice before executing a power of attorney or completing a conveyance of real or personal property. In most cases of elder financial abuse, the perpetrator did not take steps to have the transaction reviewed by an attorney.

    One of these factors, by themselves, is probably insufficient to show that the elder was subjected to undue influence and that the conveyance of real or personal property should be undone. However, a combination of these factors can be enough to prove undue influence and to convince the court that the power of attorney be declared void, or that the transaction, conveyance or contract should be rescinded and the property wrongfully taken must be returned to the elder.

    Many remedies exist when undue influence has been used to obtain property. California s Elder Abuse and Dependent Adult Civil Protection Act provides nearly every remedy under the sun, and a civil action can request that the defendant be liable for attorney fees, costs, and punitive damages, as well as all special and general damages.

    If you or a loved one have been the victim of undue influence, then pick up the phone and give us a call. We re here to help. The initial telephone consultation is always free.

    Copyright. 2007 2012. Law Office of George F. Dickerman. All rights reserved.

    FREE NEWSLETTER!


    14/08/2017

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    About Tim Maurer #tim #maurer,timothy #maurer,wealth #advisor,financial #advisor,financial #speaker,financial #author


    #

    About Tim Maurer

    A central theme drives my writing and speaking: Personal finance is more personal than it is finance .

    Regardless of our income or net worth, I believe it is our underlying values and goals that drive our behavior with money, which ultimately determines our satisfaction in work and life.

    Couching timely application in timeless wisdom, I educate at private events as well as in television, radio, print and online media. With a passion for relational communication, I am fortunate to have been featured on NBC s TODAY Show, CNBC and ABC’s Nightline. on NPR programs The Diane Rehm Show and Marketplace as well as in TheWall Street Journal. TheWashington Post,TheNew York Times, The Baltimore Sun, Kiplinger’s Personal Finance, U.S. News World Report and Money magazine, among others.

    I am a husband and father first and live in Charleston, South Carolina where my wife, Andrea, and I are the proud parents of two boys, Kieran and Connor, who help keep us active members of our community. Outside of personal finance, my favorite pursuit is music, and I play the drums and sing in an indie-bluesy-jazzy-rock band and at my church. I’m also part of a group dedicated to serving the second poorest country in the Western hemisphere, Nicaragua, through micro-finance and entrepreneurial ventures.

    Join my weekly email community.

    Success! Now check your email to confirm your subscription and get your download.

    Simplify Money Life

    Download the “Simple Money Portfolio” eBook. Free.

    (Your information will never be shared with anyone. Ever.)

    Success! Now check your email to confirm your subscription and download your book.

    Why Simple Money?

    About Me

    I’m an advisor, speaker and author helping clients, audiences and readers understand that personal finance is more personal than it is finance.

    A Wealth Advisor and Director of Personal Finance for Buckingham and the BAM ALLIANCE, I’m also a regular contributor to CNBC, Forbes and TIME/Money, and my most recent book is Simple Money: A No-Nonsense Guide to Personal Finance.

    Follow Me Here

    Speaking at Your Event


    12/08/2017

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    American Express Company Savings Plan #401k, #401k #plan, #ira, #mutual #funds,


    #

    Disclaimer: Any investment in securities including mutual funds, ETFs, closed end funds, stocks and any other securities could lose money over any period of time. All investments involve risk. Losses may exceed the principal invested. Past performance is not an indicator of future performance. There is no guarantee for future results in your investment and any other actions based on the information provided on the website including but not limited strategies, portfolios, articles, performance data and results of any tools.

    The website is not operated by a broker, a dealer, a registered financial planner or a registered investment adviser.

    Investment strategies, results and any other information presented on the website are for education and research purpose only. They do not represent financial planning and investment advice. MyPlanIQ does not provide tax or legal advice. They are generic in nature and do not take into account your detailed and complete personal financial facts and needs. You alone are responsible for evaluating the information provided and to decide which securities and strategies are suitable for your own financial risk profile and expectations.

    Information provided by the website could be time-sensitive and out of date. There is no guarantee for accuracy and completeness for the contents on the website. Contents are subject to change without notice.

    All rights are reserved and enforced. By accessing the website, you agree not to copy and redistribute the information provided herein without the explicit consent from MyPlanIQ.

    Members enjoy Free features

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    11/08/2017

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    William Bailey #financial #advisor, #financial #planner, #investments, #ria, #cfp, #registered #investment


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    William Bailey San Diego, California

    William Thomas Bailey is a financial advisor employed by UBS Financial Services in San Diego, California. With over 34 years of experience and 2 exams passed, William maintains the following registrations:

    Investment Advisor
    William is registered with the SEC as an Investment Advisor, which is defined as someone who is paid to provide advice about securities. Investment advisors can also be paid to manage investment portfolios or offer financial planning services. Other terms commonly used for investment advisors include Investment Advisor Representative (IAR) and Registered Investment Advisor (RIA).

    Broker
    Mr. Bailey is also registered with FINRA as a Broker (sometimes referred to as a broker-dealer registered rep. or RR ). Brokers are the sales personnel who work for larger brokerage firms. These firms (also known as broker-dealers ) are in the business of buying and selling securities such as stocks, bonds, mutual funds and other investment-related products. These firms are also registered with FINRA and can engage in securities transactions on behalf of its customers (as broker) or for its own account (as dealer).

    Advisor data current as of May 15, 2017

    Fees and Services

    Types of fees charged:

    • Percentage of Assets
    • Hourly Charges
    • Commissions
    • Fee Only

    Advisory services offered:

    • Financial Planning
    • Portfolio Management for Individuals
    • Portfolio Management for Businesses/Institutional
    • Securities Portfolio Management
    • Selection of Other Advisors

    State Registrations

    Financial advisors must register with each state in which they conduct business. Below is a record of each state where William Bailey maintains an active registration.

    Above is a partial list of advisors working at UBS Financial Services. Credio’s Financial Advisors website contains 731,205 advisors, with options to sort and filter by city, company, years experience and more. You can click the button below to view all advisors at UBS Financial Services. or set the filter for a specific city.

    See all Advisors at
    UBS Financial Services >>

    Advisors in San Diego

    See all Advisors in
    San Diego >>

    Advisors with Barrons Rating

    Education and Certification

    Financial Advisor Certification

    Uniform Securities Agent State Law Examination (NASAA)
    State Securities Law

    January 28, 1987

    General Securities Representative Examination
    General Industry/Product

    More information about each type of exam can be found on Credio’s Financial Exams website .

    See all
    Financial Exams >>

    Credio is a finance site that uses Graphiq’s semantic technology to deliver deep insights via data-driven articles, visualizations and research tools.

    FINRA Disclosures

    Disclosures Summary

    Financial Advisors are obligated to disclose any events that may influence their professional conduct or ability to advise their clients. Disclosure events can be criminal matters, regulatory actions, civil judicial proceedings, customer complaints, employment terminations, arbitrations, civil litigations or other financial matters in which the advisor has been involved.

    William Bailey had no reported disclosure events as of the most recent filing submitted to FINRA.

    This information may be verified by entering the advisor’s Individual CRD Number (#1146817) on the SEC’s Investment Advisor Public Disclosure (IAPD) website, or by using FINRA’s BrokerCheck tool.

    For those interested in managing some of your investments on your own we have more research tools that may be of assistance. Below is a sample list of funds from our Mutual Funds Research Topic. where you can sort and filter mutual funds based on annual performance, ratings, fees and much more. We also publish an up-to-date Online Brokers Research Topic which lists current promotions and a Smart Rating Score for each firm.

    Mutual Funds Research Topic

    Find Highest-Rated
    Mutual Funds >>

    Data updated on May 15, 2017 via the following sources:
    SEC Investment Advisor Public Dislcosure: adviserinfo.sec.gov
    FINRA BrokerCheck: brokercheck.finra.org


    11/08/2017

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    Underground Heating Oil Tanks: A Homeowner – s Guide – NYS


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    Underground Heating Oil Tanks: A Homeowner s Guide

    While most home heating oil tanks are not regulated by the State – typically they are not over 1,100 in capacity, some delegated counties have regulations that apply to smaller heating oil tanks. If you live in one of the 5 delegated counties: Nassau; Suffolk; Rockland; Cortland and Westchester, you are encouraged to contact the county agency to determine whether such smaller tanks are regulated.

    Even if your heating oil tank is unregulated, you probably know that a leak could be very unfortunate – not only for the environment, but for your pocketbook too. When an underground tank or pipe leaks, the cleanup can cost $20,000 or more. And if your homeowner s insurance policy contains a pollution exclusion clause, which many do, you could get stuck with the bill.

    When a tank is found to be leaking, additional work is usually needed to determine the extent of the problem and the amount of cleanup required. Contamination must be reported to the Spills Hotline by calling 1-800-457-7362.

    The best way to avoid significant expenses is to replace your underground tank or have a new aboveground tank installed in your basement, garage or storage shed. You probably have questions about what this would involve. This guide has been prepared to give you answers and advice.

    Why should I consider replacing my underground tank?

    Like all equipment, tanks have a limited useful life and eventually have to be repaired or replaced. Moreover, many underground home heating oil tanks are like the 275 gallon bare steel tanks you have seen in basements or garages. These tanks were not designed to be buried and, if left in place, will eventually rust and leak. Even larger tanks that were specifically designed for underground use can leak if they are not protected from rusting.

    If you notice an unexplainable increase in your home heating oil use, your tank may be leaking. But that information alone is not always an accurate indicator. In some cases, water may leak into the tank or the leak may occur only when the tank is full, thus hiding the problem from the homeowner.

    Odds are an underground tank 10 or 15 years old is probably not leaking, but the likelihood of a leak increases as the tank gets older. Even small, slow leaks can pose a serious threat to your family, your neighbors and the environment if they go undiscovered for a long time. And, if your tank does leak, you may face a costly cleanup. Having an old tank replaced with a modern double-walled underground tank or basement tank can save you both money and anguish in the long run. Don t forget, piping should also be replaced when a new underground tank is installed. Contract with a reputable equipment dealer to be sure the tank is installed with overfill alarms, vents and other vital equipment items.

    How much does it cost to remove an underground tank?

    As of April 1997, removal contractors were generally charging between $500 and $2,500 depending on the size of the tank, its condition, and how easily it can be reached. Usually not included in this price are the cost of a replacement tank, sampling and testing, cleanup work if a leak is found, and landscaping after the removal is complete.

    For the best price, shop around. Check the yellow pages and contact your oil company. Get cost estimates from several contractors. They can provide you with an accurate estimate only by visiting your home to determine both where your tank is located and whether there are obstacles to getting the job done. Compare services and be sure to check references. As with any substantial home improvement, get a written cost estimate and a contract that outlines the services to be performed before work begins.

    Can I test my tank for leaks instead of digging it up?

    Yes, by all means test your tank and piping for tightness, but it may cost you less to simply remove your tank from the ground. It is important to consider that no test can predict what will happen next year, next month, or even the next day. If you have an old bare steel tank, your money may be better spent on tank removal since you will have to dig the tank up anyway if the test reveals it is leaking.

    Although a commercial tank tester provides the most reliable check for leaks, the handyman can obtain a gross check for a leak by checking for a drop in the oil level in the tank when oil is not being consumed. Information on testing methods can be obtained from DEC by calling (518) 402-9543 or companies that perform tank tests.

    Can I just empty the oil from my tank and leave it underground?

    Yes, provided certain other measures are taken.

    In 1996 the Legislature passed a State law requiring that aboveground and underground heating oil tanks be emptied, cleaned and purged of all vapors. If the tank is to be removed, the vent line and fill line must also be removed or the fill line must be capped with concrete. If the tank is to be left in place, the vent line must remain open and intact and the fill line capped or removed.

    Local government can only approve the abandonment if written proof is provided that the tank has been properly abandoned. Call your local building department for assistance.

    The best choice is to remove the tank. This will enable you to check for soil contamination and avoid future sink holes which might occur when the tank eventually collapses.

    In addition, should you decide to sell your home, a bank or the buyer may ask for environmental testing or the removal of the tank, which could make leaving your tank in place costlier than taking it out of the ground at the start.

    How will I know if my tank has leaked?

    Contamination may be indicated by signs of a damaged tank or pipe, soil that is stained or gives off strong oil odors, a sheen on the groundwater, or environmental test results. Sampling and analysis is recommended if the tank is located near any wells, drinking water supplies, wetlands, ponds or streams, or if there are any indications that contamination is present.

    When shopping for a contractor, ask if they have the capability of doing an environmental assessment.

    What if contamination is found?

    First, don t panic. The problem could be minor and relatively simple to correct. Take cleanup actions right away. Addressing the problem now will prevent higher cost and damage later.

    If you find contamination or even suspect there has been a leak, contact the nearest DEC regional office or call the Spill Hotline (1-800-457-7362). DEC will provide you with guidance and assistance.

    How can I obtain more information?

    Call DEC S Helpline at (518) 402-9543. or the nearest regional office. Ask for assistance or one of the following publications free of charge:

    Tank Bulletin Archive

    Tank Bulletin Part 1 (PDF) (4.5 MB) – Part 1 contains an index of back issues by subject and Tank Bulletin issues from Spring 1988 through Fall 1993.

    • Home Heating Oil Tanks Cause Spills – Spring 1989
    • Homeowners Liable for Spills from Home Heating Oil Tanks – Spring/Summer 1990
    • Tank Overfills Can Be Prevented – Spring 1992

    Tank Bulletin Part 2 (PDF) (4.4 MB) – Part 2 contains Tank Bulletin issues from Spring 1993 through the most current issue.

    • Self Inspection Checklist for Small Heating Oil Tank – Fall 1995
    • Financing Tank Removals – Winter 1997 (Page 6)

    04/08/2017

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    Limited Liability Company (LLC) Definition – Example #limited #liability #company #financial


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    Limited Liability Company (LLC)

    A limited liability company (LLC) is a type of business entity formed that can be taxed like a partnership but protects its shareholders from liability beyond their investment .

    How it works (Example):

    Investors can decide to set up any type of legal business structure they like. However, if they want to protect themselves from additional liability beyond their own investment. a LLC is a likely choice. It offers the benefit of being treated by the IRS like a partnership. Some of the other major attributes of this type of business entity also include more flexibile management style and fewer formalities required by state law.

    Most states require the LLC to submit one document; the Articles of Organization which is to be filed with the Secretary of State. Owners of a LLC are referred to as members. Once members decide on a LLC, they should file an operating agreement with the state that delineates how the LLC will be run, how members are obligated financially, and how the profits and losses are to be allocated. In the absence of this agreement, the state courts would then decide how to allocate profits and losses.

    Why it Matters:

    For shareholders who wish to shield other personal assets from creditors, this form of organization is a likely choice. Also, those who wish to avoid double taxation of their dividends should consider this type of organization. Unlike an S corporation. there is no limit on the number of shareholders, and members cannot transfer their interest to someone else without the permission of the other members in most states. Unlike corporations, they are not required to maintain a Board of Directors or Officers.

    InvestingAnswers is the only financial reference guide you’ll ever need. Our in-depth tools give millions of people across the globe highly detailed and thoroughly explained answers to their most important financial questions.

    We provide the most comprehensive and highest quality financial dictionary on the planet, plus thousands of articles, handy calculators, and answers to common financial questions — all 100% free of charge.

    Each month, more than 1 million visitors in 223 countries across the globe turn to InvestingAnswers.com as a trusted source of valuable information.


    04/08/2017

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    Lease Accounting Software – CoStar Real Estate Manager #lease #accounting #software,


    #

    Lease accounting software that makes compliance easy.

    • Manage real estate, equipment and other leased assets
    • System completes SSAE 16 audit annually
    • Proprietary data transfer tool imports data and generates amortization schedules easily and correctly
    • Accounting workflow and audit trail of all data changes
    • Notifications and automated status changes for critical data elements including renewals
    • All FASB and IASB lease standards (ASC 840/FAS 13, ASC 842, IAS 17, IFRS 16) and types
    • Lease-by-lease analysis and classification
    • International currency conversion

    Standard and Ad Hoc Reporting

    • Amortization detail (single and multiple leases)
    • Forecast and summary reports by lease classification
    • Accounting lease data exceptions
    • Facilitate restatements
    • Measure balance sheet impact

    Additional Capabilities

    • Lease audit capability
    • Abstract rent as lump sum amounts or as rate per square foot per month and annually
    • Auto-calculate and generate gross amounts payable based on amounts entered per unit of measure and time
    • Define base rent in any currency
    • Define expenses to multiple parties
    • Map to multiple accounting systems, GL codes and accounts
    • Make and receive payments in multiple currencies for the same lease
    • Capture check numbers and payment information including check amount, date and associate with system charge
    • Rent details
    • Upcoming and planned rent increases
    • Invoice details
    • Rent review dates
    • Budget and forecast guidance
    • Accrual building option (pre-payments)
    • Define sublease relationships and pass through expenses from payable lease to either 3rd party or business unit subtenants
    • Accounts receivable lease functionality including invoicing
    • Automated percent rent calculation and processing including: auto-generate natural breakpoints, multi-tiered breakpoints, monthly, quarterly and annual breakpoints, lease level calculation detail, exclusions and deductions, CAPs on exclusions and decisions, greater of base rent or percent rent, minimum and maximum (floor and cap) on percent rent payments due
    • Create journal entries to be processed to GL
    • Create tax charges for states and areas
    • Store and manage multiple indexes (i.e. CPI-U, non-urban consumers, LIBOR etc.) on which charge adjustments are based
    • Abstract lease information such that automatic calculations can be performed (i.e. tie a rent charge to an index)
    • Abstract adjustment calculation rules related to CPI or other indexes, including: caps, floors, lifetime caps, adjustment periods (annual and multi-year), adjustment start date
    • Integrated reminder system that automatically schedules and sends emails when adjustments should be performed
    • Automatically calculate charge adjustments and update the charge according to established edit rules

    03/08/2017

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    CFA Courses, Financial Reporting and Analysis, Economics #cfa #courses,courses #for #cfa,economics,ethical


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    CFA Courses

    The academic session of CFA program is based on Candidate Body of Knowledge established by CFA Institute.

    The curriculum comprises of three study levels. At the end of each level an exam is conducted to test the knowledge acquired.

    The various topics undertaken in whole academic session of CFA program are:

    Ethical and Professional Standards, Quantitative Methods, Economics, Financial Reporting and Analysis, Corporate Finance, Portfolio Management, Equity, Fixed Income, Derivatives and Alternative Investments.

    The 3 levels are different from each other in various aspects, that is:

    • The level I study focuses mainly on tools and inputs and includes introduction to most of the topics.
    • The level II study focuses on the application of tools and inputs and the topics are taken in great detail.
    • The level III study emphasizes on the strategies for applying tools and inputs.

    A brief discussion over some of the topics:

    Mainly concerned with statistics and covers probability theory, hypothesis testing, regression and time series analysis.

    Covers capital investment decision, capital structure and dividend policy.

    Financial Reporting and Analysis

    Includes analyses of financial reports, ratio and financial statement.

    Covers analysis of various asset types that is: equity, fixed income, derivatives and alternate investment.

    Includes Modern Portfolio Theory, Investment Practice and institutional investors, asset allocation and measurement of investment performance.

    No related posts.


    02/08/2017

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    Wells fargo financial acceptance #financial #planners,investments,financial #planning #consultants,financial #services,legal #& #financial,financing,real


    #

    wells fargo financial acceptance

    Is this your business?

    You can claim this profile as a part of the BirdEye suite. It will instantly provide you with a fully SEO optimized web presence solution and you will be able to update business information such as hours and categories, respond to reviews, share updates with followers, and so much more.

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    Our reputation specialist will call you shortly to show you a personalized demo.

    Can’t wait? Call us at 1-800-561-3357 ext. 1

    About

    A Heritage of Client Service and Unparalleled Financial Investment Capabilities. Wells Fargo Advisors is one of the nation’s premier financial services firms, serving and advising clients nationwide t hrough more than 15,000 Financial Advisors. As the heir to some of America’s most respected regional and national investment firms, Wells Fargo Advisors has retained a strong and abiding commitment to exceptional services based on trust and knowledge and a determination to put client needs above all else._x005F Our Financial Advisors work with clients to understand their needs and life goals and then help them develop individual investment plans and investment portfolios that are easy to understand and monitor. What’s more, as part of Wells Fargo Company, Wells Fargo Advisors has the ability to draw on extensive experience and products across our company to satisfy our clients’ investment needs and help them succeed financially._x005F An active and engaged corporate citizen, Wells Fargo Advisors strives to always make our communities stronger and better. Our firm partners with team members and organizations across the country to promote the long-term economic prosperity and quality of life for everyone in our communities through philanthropy and volunteer activities._x005F A Non-Bank Affiliate of Wells Fargo Company._x005F Wells Fargo Advisors is a non-bank affiliate of Wells Fargo Company, one of the nation’s largest and most respected financial institutions. In business since 1852 and named on Fortune magazine’s “World’s Most Admired Companies” list for 2009, 2010, 2011, 2012, 2013 and 2014, Wells Fargo is known and respected for its responsible stewardship of its clients’ assets. more

    A Heritage of Client Service and Unparalleled Financial Investment Capabilities. Wells Fargo Advisors is one of the nation’s premier financial services firms, serving and advising clients nationwide through more than 15,000 Financial Advisors. As the heir to some of America’s most respected regional and national investment firms, Wells Fargo Advisors has retained a strong and abiding commitment to exceptional services based on trust and knowledge and a determination to put client needs above all else._x005F Our Financial Advisors work with clients to understand their needs and life goals and then help them develop individual investment plans and investment portfolios that are easy to understand and monitor. What’s more, as part of Wells Fargo Company, Wells Fargo Advisors has the ability to draw on extensive experience and products across our company to satisfy our clients’ investment needs and help them succeed financially._x005F An active and engaged corporate citizen, Wells Fargo Advisors strives to always make our communities stronger and better. Our firm partners with team members and organizations across the country to promote the long-term economic prosperity and quality of life for everyone in our communities through philanthropy and volunteer activities._x005F A Non-Bank Affiliate of Wells Fargo Company._x005F Wells Fargo Advisors is a non-bank affiliate of Wells Fargo Company, one of the nation’s largest and most respected financial institutions. In business since 1852 and named on Fortune magazine’s “World’s Most Admired Companies” list for 2009, 2010, 2011, 2012, 2013 and 2014, Wells Fargo is known and respected for its responsible stewardship of its clients’ assets.

    Is this your business?

    You can claim this profile as a part of the BirdEye suite. It will instantly provide you with a fully SEO optimized web presence solution and you will be able to update business information such as hours and categories, respond to reviews, share updates with followers, and so much more.

    See a free demo

    Take BirdEye for a ride and see for yourself, instantly, how your business appears online using the Birdeye intelligence engine.

    Thank you!


    02/08/2017

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    American Home Mortgage Servicing, Inc #american #home #mortgage #servicing, #inc., #texas,


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    American Home Mortgage Servicing, Inc. to Become Homeward Residential

    COPPELL, Texas. Feb. 17, 2012 /PRNewswire/ — American Home Mortgage Servicing, Inc. (“AHMSI”) today announced that the company will change its name to Homeward Residential (“Homeward”) to reflect its expansion into residential lending and other real estate finance related businesses. The full transition to the new name, Homeward Residential, is expected to be completed in the second quarter.

    “Today’s announcement is not simply a name change. Over the past 12 months we have built a full-service mortgage banking enterprise with a broad spectrum of offerings and expertise in lending, servicing and a variety of related services,” said Dave Applegate. President and Chief Executive Officer of AHMSI.

    AHMSI’s portfolio of services was expanded in October 2011 with the opening of the company’s correspondent and warehouse lending operations. During the past 12 months, AHMSI has added new businesses to support the needs of customers in a challenging marketplace, including loan closing services, REO management, home valuation, special servicing, sub-servicing and asset management consulting.

    The name Homeward evolved after employee and customer input, followed by additional research, analysis and audience testing. “We believe that homeownership remains a significant part of the American dream, and ‘Homeward’ is the ideal identity to support the aspirations of our customers,” added Applegate. “Our exceptional and talented employees played significant roles in helping us rename our company, and their input was valued among the entire organization. Homeward’s ultimate success rests on those same employees who are passionate about the work they do and remain steadfastly committed to finding the best possible solutions for homeowners.”

    AHMSI is the 13th largest mortgage servicer in the country managing nearly $71 billion in loan servicing, representing approximately 374,000 customers. Since its inception in April 2008, AHMSI has modified over 195,000 mortgage loans, including over 32,000 under the U.S. government’s Making Home Affordable Program. AHMSI’s more than 3,000 associates work each day with the mission of helping families preserve their dream of home ownership.

    SOURCE American Home Mortgage Servicing, Inc.

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    31/07/2017

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    A College Student s Financial Success key #travel #paris

    #cheap airfare and hotel
    #

    A College Student’s Financial Success key

    Financial success may come in different forms. Financial success does not only mean that you are financially independent, or you have been able to make thousands of dollars off the stock market. To be financially successful, may mean making sure by the time you graduate from college, you are not in debt or worse off than you started.

    As essential as it is to secure a part-time job to support your personal wants, you must be aware of the hidden regressors that come uninvited. Your first check in the mail, brings you to some degree, some feeling of accomplishment. Your adult life is just beginning, where you see the value of getting paid for work done. It goes without say that it s at that time where you start to take on additional responsibilities. The importance of communication and being able to be reached wherever and whenever, prompts you to procure a wireless. The apparent need of getting to and from your job incurs the cost of driving insurance, gas and all other related transportation expenses. Indubitably, acquiring a job doesn t always mean money inflow; it creates a path for money outflow. One needs to be prepared for the unexpected and the ability to be financially successful.

    Credit cards: a friend or a foe? When the due date for bills draw nigh, and the checks are not coming in as often as you would have expected, many students feel pressured to use credit cards as a means of a short-term loan. This method where you plan on immediate repayment is not harmful; however, many students misconstrue that credit cards are an invention to make college life luxurious and comfortable. Wrong!

    Saving is sometimes barely doable for some students, since they end up owing money to all these credit card companies. Our system is designed so that without good credit, one is limited from doing a lot of things. It is thus sagacious if we use our credit cards wisely. Use credit cards for things you know will definitely bring you a return. For example, use your credit cards to buy gas to take you to work. When you decide to use your credit cards to buy all the possible clothes on sale; and the purchase is backed by the conviction of repayment after you graduate, put the credit card back in your book bag.

    Credit cards can either make you or unmake you; this is because if you use them wisely, once you graduate, it will be easier to get a loan for a new car or a lower security deposit on that new apartment. For the college students that work, there is always a possibility of saving your money, even if you can t save a lot; you can still save a little. Try to research online, for banks that offer high interest rates on their savings account. The proliferation of online savings accounts has undeniably increased the interest rates, and thus the potential to earn more on your savings.

    To be financially successful means to be free from debt, in the college perspective it is to try to avoid a post-graduation debt. The broke college student has the ability to be financially successful, if means are taking to save more and use credit wisely.





    31/07/2017

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    Allianz Bank Financial Advisors S #bank #of #america #financial #advisors


    #

    La protezione inizia dalla consapevolezza

    • E’ opportuno modificare le password con una certa frequenza. Le hai aggiornate di recente?
    • Utilizzare una sola password per tutto, dalla posta elettronica ai social network poco prudente. Ne hai una per ogni servizio?

    Scopri gli accorgimenti che ti tengono al sicuro quando sei online.

    Faresti di tutto per la tua sicurezza.
    Anche noi.

    Scopri cosa facciamo per te

    Scopri cosa puoi fare tu

  • Allianz Active4Life, una soluzione di investimento innovativa e unica, in grado di unire:

    • ricerca dinamica del rendimento
    • un sistema di garanzia annuale attiva

    Allianz Active4Life, per vivere con serenit il tuo investimento.

    Per saperne di pi su questa nuova opportunit di investimento contatta il tuo Financial Advisor

    Ricerca di rendimento e garanzia attiva.
    In un’unica soluzione.

    Scopri di pi

    Scopri Allianz Active4Life

  • Le chiavi di accesso alla tua Area Riservata diventano 3

    • Codice Utente
    • Numero Personale
    • Il tuo Telefono cellulare

    Perche?
    Abbiamo adottato gli standard di sicurezza informatica previsti dalle nuove disposizioni dettate dalla European Bank Authority (EBA), per limitare ancora di pi i rischi di frode online.

    Scopri il nuovo modo di accedere alla tua Area Riservata


    11/07/2017

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  • Water Quality Management Technology #two #year #program, #degrees, #certificates, #schools, #schools


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    Water Quality Management Technology

    We are now offering the FIRST Bachelor of Applied Science (BAS) degree in Water Quality Management Technology in Colorado!

    Get Connected

    Interested in our Water Quality Management Technology program? Fill out this form and we’ll contact you!

    Register Now for Spring and Summer 2017!

    Get your first pick with class schedules now! 15 week, online, and condensed classes available!

    Red Rocks Community College is committed to diversity in its people and programs. The College is an equal opportunity educational institution and does not discriminate on the basis of disability, race, creed, color, sex/gender, sexual orientation gender identity, religion, age, national/ ethnic origin, pregnancy status, veteran’s status, genetic information, physical or mental disability, or any other category protected by applicable law, in its employment practices or educational programs and activities.

    Advanced Manufacturing Careers in Colorado

    Visit our Advanced Manufacturing online hub for details on specific career pathways in these high-demand fields.

    Stay Connected

    Lakewood Campus

    Arvada Campus

    Emergency Info/Closure


    09/07/2017

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    Application Process – Deadlines #financial #assistance #for #online #courses


    #

    Complete your FAFSA

    Complete the Graduate Confidential Information Form

    The FAFSA and Grad CIF should be completed at least six weeks prior to the beginning of your first enrollment period. Please note that additional documentation may be required.

    Review your Awards Package

    Once you are accepted into Sacred Heart University, you will receive a congratulatory email from the Office of Student Financial Assistance which will advise you to visit SHUAwards and click on First Time User in the LOG IN box. To activate your account, enter your 7-digit Student ID number found at the top of the email and follow the prompts to create your PIN.

    • view their financial assistance awards by semester
    • accept, reduce, or decline their award(s)
    • confirm the status of financial assistance documents (received, incomplete, etc.)
    • review the financial assistance messaging relating to their award(s)
    • view their loan history from the National Student Loan Database (NSLDS)

    Financial Aid Eligibility

    In order to be considered for federal financial aid, you must meet the following conditions:

    • Be admitted and matriculated in an graduate degree program
    • Be in attendance on at least a half-time basis (3 credits) in each enrollment period
    • Be a U.S. Citizen or permanent resident (eligible non-citizen) and have documented proof of your status
    • Not be in default on a federal student loan and not owe a refund on a federal student grant
    • Be maintaining SAP as defined by the SHU Satisfactory Academic Progress Policy and be maintaining a minimum cumulative GPA of 3.00


    09/07/2017

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    Ripoff Report #peachtree #financial #services


    #

    Peachtree Financial Partners Inc, Barry Wallis Peachtree Financial Partners are CROOKS! Atlanta Georgia

    If your business is
    willing to make a
    commitment to
    customer satisfaction
    Click here now..

    Peachtree financial is a scam. I lost $5k with them a little over a year ago and tried everything I could to get it back. There is only one guy. Barry Wallace (i think this is the right name, but Im not positive without being at the office to see the file.). His office is one of those executive suite situations. you know, rent an office by the week and share a secretary with 100 other offices just like yours. The secretary there has stated that she has hardly ever sees Mr. Wallace.

    In the end I realized that the only thing I can do is to make posts online in the hopes that people will find them BEFORE they send any money to Peachtree Financial Partners and Mr. Barry Wallace. My police report has gone noplace and there is no point in litigating over $5k.

    Since the problems with the real estate and lending industries worsened in 2008 many people have been going to Peach Tree Financial Partners and Mr. Barry Wallace for funding because of the difficulty of obtaining funding from conventional lenders. These people, like our friend here who just lost his clients $550k, are finding my posts only after they research further which is always done AFTER they send the money and realize something isnt right.

    SO here is the scam. After Mr. Wallace gets your money, be it a good faith deposit, your escrow deposit, or your down payment, Mr. Wallace will become difficult to get in touch with. He will tell you that he did not receive a document or three until the deadline in his contract with you has passed. Then he cuts all contact off with you completely. He will refuse to give you his attorney information.

    You see, he is setting things up to where technically, on paper, he is in the right. This means that any detective investigating will not push it any further than him showing that WE breached the contract. This means that it is on us to take him to court and prove that we were not at fault. For most of us the cost of court will be more than what Mr. Wallace has stole from us. Not to mention Mr. Wallace will not make it easy for us to get him in court to begin with.

    So here is where we are. What I have explained thus far is a brief overview of the situation and the SCAM that PEACHTREE FINANCIAL PARTNERS and BARRY WALLACE is running. I have people contacting me weekly because they have lost money to this scam. Individually it is hard, even impossible, for any of us to get the amount of attention needed to this crime. But together the feds will be more willing to investigate. This is what I was told by the FBI. So, if you have lost money to this please email me with your contact info and a summary explaining the situation and details surrounding your deal with Peachtree Financial Partners and Barry Wallace. Be as detailed as possible to include dates, times, and documents involved. PDF is the best format for me to save in, but word docs will work also. Please DO NOT send me any loan docs, save those for the FBI when the time comes. I have been collecting this information per the instructions of the FBI so we can try to stop the Peachtree Financial SCAM! When we have enough people, or when the total amount stolen reaches a certain point to interest the FBI and other law enforcement agencies everyone who has contacted me will be notified.

    FBI tips web page. (https://tips.fbi.gov/)

    Matt
    Atlanta, Georgia
    U.S.A.

    This report was posted on Ripoff Report on 03/26/2008 04:03 PM and is a permanent record located here: http://www.ripoffreport.com/reports/peachtree-financial-partners-inc/atlanta-georgia-30303/peachtree-financial-partners-inc-barry-wallis-peachtree-financial-partners-are-crooks-at-321422. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

    Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

    Search for additional reports

    If you would like to see more Rip-off Reports on this company/individual, search here:

    In order to assure the best results in your search:

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    • Do not include “.com”, “S”, “Inc.”, “Corp”, or “LLC” at the end of the Company name.
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    • Only search one name at a time if Company has many AKA’s.

    Report Rebuttal

    Respond to this report!

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    Are you also a victim of the same company or individual? Want Justice? File a Rip-off Report, help other consumers to be educated and don’t let them get away with it!

    Repair Your Reputation!

    Got Reports filed against you? Resolve the issues and rebuild trust through our Corporate Advocacy Program.

    Corporate Advocacy Program: The best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how businesses take care of business. All businesses will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.

    Remove Reports?
    No! Better yet! Arbitrate to set the record straight!


    08/07/2017

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