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Business & Financial News, Breaking US & International News, Reuters, financial markets

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How Saudi Arabia turned on Lebanon s Hariri

BEIRUT – From the moment Saad al-Hariri s plane touched down in Saudi Arabia on November 3, he was in for a surprise.

Financial markets today

Forty Conservative MPs ready to oust May – Sunday Times

Financial markets today

Protesters flood Barcelona demanding release of separatist leaders

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Trump says he trusts Putin’s denials of election meddling

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Poems in Dottyville – How two traumatised soldiers changed notions of war

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Texas town holds first burials after church massacre

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Asia-Pacific leaders say to fight ‘unfair trade’ in nod to Trump

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U.S. signals caution to Saudis despite shared concern about Iran

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Merkel tries to bridge climate gap as coalition talks heat up

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China shopping festival smashes record with $25 billion haul

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Brazil GP security tightened after armed robbery

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Bottas grabs pole while Hamilton crashes out

Randolph frustrates Denmark as Ireland grab goalless draw

Three more youngsters called into England squad for Brazil

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Sam Rockwell grapples with race and anger in Three Billboards

Taylor Swift s Reputation debuts to strong sales, mixed reviews

Exhibit at Berlin s Brandenburg Gate evokes Syrian war

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Rohingya refugee boy works to support family

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Trump says he trusts Putin’s denial of election meddling

Catalan independence supporters prepare for big protest

Hezbollah says Saudi declares Lebanon war over Hariri detention

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Lufthansa says has resources for more European deals – BZ

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Emirates may order 36-38 Airbus A380 jets – source

Italy sees other European countries joining fighter jet programme

Markets

CORRECTED-Wall St Week Ahead-MLPs poised for bounce, but could be short-lived

GLOBAL MARKETS-Stocks dip on U.S. tax reform doubt; no respite in havens

US STOCKS-Doubts about Trump tax cuts weigh on Wall Street

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EU wants Brexit money this month, Davis seeks ‘political’ fix

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Ryanair launches programme to improve pilot management – memo

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Uber loses UK appeal bid to overturn workers’ rights decision

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German war reparations ‘matter of honour’ for Poland

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Bahrain calls pipeline blast ‘terrorism’ linked to Iran

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Trump probably can’t be swayed to stay in climate pact-Gore

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Exclusive: Rupert Murdoch twice discussed CNN with AT ?>

Business News & Financial News, Reuters, financial news today.#Financial #news #today

Business

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Asia-Pacific leaders say to fight ‘unfair trade’ in nod to Trump

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Exclusive: Rupert Murdoch twice discussed CNN with AT ?>

FINANCIAL SENSE, Applying Common Sense to the Markets, financial news today.#Financial #news

Financial Sense

Financial news today

Nov 11 – Another week and another version of the GOP tax plan, this time coming from the Senate. In the first part of today’s Big Picture podcast, Financial Sense Newshour covers the key differences between the House and Senate.

Frank Barbera on Possible Market Top; Robert Rapier: “Fear Cycle” Returning to Oil Market

Financial news today

Nov 11 – After this week’s market wrap-up with FS Insider’s Cris Sheridan, Frank Barbera at Salem Partners says we are seeing a possible short-term top in the stock market. Next, Robert Rapier at R-Squared Energy explains why we are.

Russell Napier on Debt Deflation: Too Much Debt, Not Enough Money

Financial news today

Nov 10 – Russell Napier, author of the Anatomy of the Bear and co-Founder of the Electronic Research Interchange (ERIC), explains the troubling rise of global debt levels, where it is largely concentrated, and how a major devaluation.

Inflation Spike at Current Valuations Could Be Ugly, Says Nevins

Financial news today

Nov 9 – Daniel Nevins, the author of the must-read book Economics for Independent Thinkers and the Founder of Nevins Research, discusses the substitution story surrounding Fed monetary policy and how inflation spikes are a key factor.

Bull Run in Stocks to Continue But Bitcoin Setting Up for Major Drop, Says Avi Gilburt

Financial news today

Nov 8 – Well-known market forecaster Avi Gilburt of Elliottwavetrader.net discusses the mathematical nature of market psychology with FS Insider and also offers an update on his outlook for the US stock market, gold, the energy.

Curb Your Enthusiasm! Why It s Time to Reset Expectations

Financial news today

By Chris Puplava – We currently face a situation in which both the near-term outlook (1-3 years using ISM and Consumer Confidence data) and the long-term outlook (based on valuations) look dismal for the stock market. This clearly argues.

Financial news today

By Tom McClellan – The InterContinental Exchange (ICE) has just rolled out a new futures contract called the NYSE FANG+™, based on the original four FANG stocks (Facebook, Amazon, Netflix, and Google) plus 6 others.

Financial news today

By Michael Shedlock – Through the third quarter, 6,752 locations were scheduled to shutter in the US according to the International Council of Shopping Centers. That’s more than double the 2016 total and is close to surpassing.

Financial news today

By ValueWalk – According to data from the Federal Reserve, US consumer credit grew by 5.5% annualized during Q3 the fastest quarterly pace this year. Credit now tops $1 trillion after a multi-year splurge by consumers.

Financial news today

By Urban Carmel – The macro data from the past month continues to mostly point to positive growth. On balance, the evidence suggests the imminent onset of a recession is unlikely. The bond market agrees with the macro data.

Financial news today

By Guild Danaher – 2017 has been a year for the big, dominant U.S. technology companies: the advertising duopoly of Alphabet [NASDAQ: GOOG] and Facebook [NASDAQ: FB]; the e-commerce juggernaut of Amazon.

Financial news today

By FS Staff – Well-known mining geologist Keith Barron, Chairman and CEO of Aurania Resources, tells Financial Sense Newshour that with the average goldmine worldwide extracting gold below 1 gram per ton, peak gold is probably here and that, unlike oil, there isn’t.

Financial news today

By Global Risk Insights – Just two weeks ago, the Future Investment Initiative summit in Riyadh took place to international acclaim. Now, investor interest has turned to intense uncertainty, as Crown Prince Mohammed bin.

Financial news today

By Danielle Park – As Canadian household debt hit an all-time high in 2017 (see chart), a new study by TD Bank finds that 97% of Canadian homebuyers say they wish they’d factored in their other financial obligations when.

Financial news today

By OilPrice – Google’s self-driving car project, Waymo, has become the first to launch completely autonomous cars, free of humans behind the wheel, on the road. Waymo’s CEO, John Krafcik said yesterday at a conference in Portugal that the company.

Financial news today

FS Staff – At this year’s Investment Strategy Conference, we explained the increasing risks we see facing the stock market as valuations push into record territory, what this implies for future expected returns in various asset classes, our view on monetary and.





FINANCIAL SENSE, Applying Common Sense to the Markets, financial markets today.#Financial #markets

Financial Sense

Financial markets today

Nov 11 – Another week and another version of the GOP tax plan, this time coming from the Senate. In the first part of today’s Big Picture podcast, Financial Sense Newshour covers the key differences between the House and Senate.

Frank Barbera on Possible Market Top; Robert Rapier: “Fear Cycle” Returning to Oil Market

Financial markets today

Nov 11 – After this week’s market wrap-up with FS Insider’s Cris Sheridan, Frank Barbera at Salem Partners says we are seeing a possible short-term top in the stock market. Next, Robert Rapier at R-Squared Energy explains why we are.

Russell Napier on Debt Deflation: Too Much Debt, Not Enough Money

Financial markets today

Nov 10 – Russell Napier, author of the Anatomy of the Bear and co-Founder of the Electronic Research Interchange (ERIC), explains the troubling rise of global debt levels, where it is largely concentrated, and how a major devaluation.

Inflation Spike at Current Valuations Could Be Ugly, Says Nevins

Financial markets today

Nov 9 – Daniel Nevins, the author of the must-read book Economics for Independent Thinkers and the Founder of Nevins Research, discusses the substitution story surrounding Fed monetary policy and how inflation spikes are a key factor.

Bull Run in Stocks to Continue But Bitcoin Setting Up for Major Drop, Says Avi Gilburt

Financial markets today

Nov 8 – Well-known market forecaster Avi Gilburt of Elliottwavetrader.net discusses the mathematical nature of market psychology with FS Insider and also offers an update on his outlook for the US stock market, gold, the energy.

Curb Your Enthusiasm! Why It s Time to Reset Expectations

Financial markets today

By Chris Puplava – We currently face a situation in which both the near-term outlook (1-3 years using ISM and Consumer Confidence data) and the long-term outlook (based on valuations) look dismal for the stock market. This clearly argues.

Financial markets today

By Tom McClellan – The InterContinental Exchange (ICE) has just rolled out a new futures contract called the NYSE FANG+™, based on the original four FANG stocks (Facebook, Amazon, Netflix, and Google) plus 6 others.

Financial markets today

By Michael Shedlock – Through the third quarter, 6,752 locations were scheduled to shutter in the US according to the International Council of Shopping Centers. That’s more than double the 2016 total and is close to surpassing.

Financial markets today

By ValueWalk – According to data from the Federal Reserve, US consumer credit grew by 5.5% annualized during Q3 the fastest quarterly pace this year. Credit now tops $1 trillion after a multi-year splurge by consumers.

Financial markets today

By Urban Carmel – The macro data from the past month continues to mostly point to positive growth. On balance, the evidence suggests the imminent onset of a recession is unlikely. The bond market agrees with the macro data.

Financial markets today

By Guild Danaher – 2017 has been a year for the big, dominant U.S. technology companies: the advertising duopoly of Alphabet [NASDAQ: GOOG] and Facebook [NASDAQ: FB]; the e-commerce juggernaut of Amazon.

Financial markets today

By FS Staff – Well-known mining geologist Keith Barron, Chairman and CEO of Aurania Resources, tells Financial Sense Newshour that with the average goldmine worldwide extracting gold below 1 gram per ton, peak gold is probably here and that, unlike oil, there isn’t.

Financial markets today

By Global Risk Insights – Just two weeks ago, the Future Investment Initiative summit in Riyadh took place to international acclaim. Now, investor interest has turned to intense uncertainty, as Crown Prince Mohammed bin.

Financial markets today

By Danielle Park – As Canadian household debt hit an all-time high in 2017 (see chart), a new study by TD Bank finds that 97% of Canadian homebuyers say they wish they’d factored in their other financial obligations when.

Financial markets today

By OilPrice – Google’s self-driving car project, Waymo, has become the first to launch completely autonomous cars, free of humans behind the wheel, on the road. Waymo’s CEO, John Krafcik said yesterday at a conference in Portugal that the company.

Financial markets today

FS Staff – At this year’s Investment Strategy Conference, we explained the increasing risks we see facing the stock market as valuations push into record territory, what this implies for future expected returns in various asset classes, our view on monetary and.





FINANCIAL SENSE, Applying Common Sense to the Markets, financial news today.#Financial #news

Financial Sense

Financial news today

Nov 11 – Another week and another version of the GOP tax plan, this time coming from the Senate. In the first part of today’s Big Picture podcast, Financial Sense Newshour covers the key differences between the House and Senate.

Frank Barbera on Possible Market Top; Robert Rapier: “Fear Cycle” Returning to Oil Market

Financial news today

Nov 11 – After this week’s market wrap-up with FS Insider’s Cris Sheridan, Frank Barbera at Salem Partners says we are seeing a possible short-term top in the stock market. Next, Robert Rapier at R-Squared Energy explains why we are.

Russell Napier on Debt Deflation: Too Much Debt, Not Enough Money

Financial news today

Nov 10 – Russell Napier, author of the Anatomy of the Bear and co-Founder of the Electronic Research Interchange (ERIC), explains the troubling rise of global debt levels, where it is largely concentrated, and how a major devaluation.

Inflation Spike at Current Valuations Could Be Ugly, Says Nevins

Financial news today

Nov 9 – Daniel Nevins, the author of the must-read book Economics for Independent Thinkers and the Founder of Nevins Research, discusses the substitution story surrounding Fed monetary policy and how inflation spikes are a key factor.

Bull Run in Stocks to Continue But Bitcoin Setting Up for Major Drop, Says Avi Gilburt

Financial news today

Nov 8 – Well-known market forecaster Avi Gilburt of Elliottwavetrader.net discusses the mathematical nature of market psychology with FS Insider and also offers an update on his outlook for the US stock market, gold, the energy.

Curb Your Enthusiasm! Why It s Time to Reset Expectations

Financial news today

By Chris Puplava – We currently face a situation in which both the near-term outlook (1-3 years using ISM and Consumer Confidence data) and the long-term outlook (based on valuations) look dismal for the stock market. This clearly argues.

Financial news today

By Tom McClellan – The InterContinental Exchange (ICE) has just rolled out a new futures contract called the NYSE FANG+™, based on the original four FANG stocks (Facebook, Amazon, Netflix, and Google) plus 6 others.

Financial news today

By Michael Shedlock – Through the third quarter, 6,752 locations were scheduled to shutter in the US according to the International Council of Shopping Centers. That’s more than double the 2016 total and is close to surpassing.

Financial news today

By ValueWalk – According to data from the Federal Reserve, US consumer credit grew by 5.5% annualized during Q3 the fastest quarterly pace this year. Credit now tops $1 trillion after a multi-year splurge by consumers.

Financial news today

By Urban Carmel – The macro data from the past month continues to mostly point to positive growth. On balance, the evidence suggests the imminent onset of a recession is unlikely. The bond market agrees with the macro data.

Financial news today

By Guild Danaher – 2017 has been a year for the big, dominant U.S. technology companies: the advertising duopoly of Alphabet [NASDAQ: GOOG] and Facebook [NASDAQ: FB]; the e-commerce juggernaut of Amazon.

Financial news today

By FS Staff – Well-known mining geologist Keith Barron, Chairman and CEO of Aurania Resources, tells Financial Sense Newshour that with the average goldmine worldwide extracting gold below 1 gram per ton, peak gold is probably here and that, unlike oil, there isn’t.

Financial news today

By Global Risk Insights – Just two weeks ago, the Future Investment Initiative summit in Riyadh took place to international acclaim. Now, investor interest has turned to intense uncertainty, as Crown Prince Mohammed bin.

Financial news today

By Danielle Park – As Canadian household debt hit an all-time high in 2017 (see chart), a new study by TD Bank finds that 97% of Canadian homebuyers say they wish they’d factored in their other financial obligations when.

Financial news today

By OilPrice – Google’s self-driving car project, Waymo, has become the first to launch completely autonomous cars, free of humans behind the wheel, on the road. Waymo’s CEO, John Krafcik said yesterday at a conference in Portugal that the company.

Financial news today

FS Staff – At this year’s Investment Strategy Conference, we explained the increasing risks we see facing the stock market as valuations push into record territory, what this implies for future expected returns in various asset classes, our view on monetary and.





Latest financial, market & economic news and analysis, Business, The Guardian, financial

Restaurants fear Brexit will turn boom to bust

Financial news today

Revealed: how Vodafone allowed elites to reap profits of Africa’s mobile boom

Financial news today

Everything you wanted to know about bitcoin but were afraid to ask

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Technology, infrastructure, training … why the CBI’s loving the Labour party

A new battle for Hastings and beyond: to save our museums

HSBC shut down accounts linked to Gupta scandal

Alas poor chancellor: doomed to do little and please no one

The Guardian view on the Paradise Papers: not all is lost

Central banks are back in the dock but they must be found not guilty

Are the Murdochs at war over the future of their media empire?

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John Lewis Christmas ad 2017: watch the video of Moz the monster

Sainsbury’s Supermarket boss blames ‘soggy August’ for sales slowdown

Sainsbury’s Supermarket boss blames ‘soggy August’ for sales slowdown

The bank of Mum and Dad: ‘It’s such a huge amount of money. And guilt’

Couple scammed out of £57,000 fear being homeless at Christmas

Schools ignore personal finance lessons and fail Generation Debt

The online brokers taking the misery out of mortgages

Nationwide shows pensions’ future needn’t be a grim one

Let’s move to Frome, Somerset: ‘You want community? You got it’

Gas and electricity fuel price rises at triple rate of inflation

Barclays in major security breach as it admits posting out pin numbers with new cards

More your money

Restaurants fear Brexit will turn boom to bust

Technology, infrastructure, training … why the CBI’s loving the Labour party

As sliced bread sales fall and costs rise, are UK’s leading bakers toast?

Turbulence continues for Airbus as one of first A380s exits service

John Lewis Christmas ad 2017: watch the video of Moz the monster

StubHub and Viagogo offices raided in ticket touting investigation

Sadiq Khan: Holiday Inn owner has broken vow to pay living wage

Monocle: you’ve seen the magazine – now buy the apartment

Monty the penguin: John Lewis unveils its Christmas ad – video

This article is 3 years old





Today s Stock Market News and Analysis, financial markets today.#Financial #markets #today

Today’s Stock Market News Analysis

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Macy’s (M) and JC Penney (JCP) Beat Expectations

Does that make either a buy?

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Finance – Political Breaking News Australia – Worldwide, financial news today.#Financial #news

PM ups threat to refer Labor MPs

Financial news today

The government may have to wait until its own disqualified MPs are re-elected before it uses its numbers to refer suspect Labor MPs to the High Court.

Chanticleer

Google makes peace with its most vehement critic

ANZ to renew focus on institutional banking

Virgin’s privatisation plan needs shareholders on board

Street Talk

Western Australian power banker joins EY

Goldman Sachs launches BWX shortfall bookbuild

AirXpanders substantial stake crosses, UBS on board

Rear Window

Equestrian diplomacy on the Bolshevik centenary

Ken Henry used to slam large retrenchment rounds

Hyperbole on the menu at Virgin Australia

Financial news today

Trade ministers salvage TPP talks, deal a long way off

  • Phillip Coorey

A heated and rancorous emergency meeting of regional trade ministers has resolved to try again to revive the TPP.

Financial news today

Minority govt as John Alexander quits

  • Phillip Coorey

The Turnbull government has become a minority government after NSW Liberal MP John Alexander quit.

Financial news today

US market rally derailed by tax cut concerns

US equities posted the first weekly loss in more than two months as investors turned leery after congressional Republicans made little progress in passing tax cuts.

Financial news today

FANGed: Why Murdoch may sell Fox

  • John Kehoe

When Rupert Murdoch unofficially hung the for sale sign on his empire’s prized assets this week, it was confirmation that the mogul had been “FANGed”.

Canada baulks and kills TPP ‘done deal’

  • Phillip Coorey

A seemingly certain deal to revive the TPP has collapsed when Canada, without warning, baulked at the last minute.

Don’t scrap Adani royalty deal, says LNP

  • Mark Ludlow

Queensland opposition leader Tim Nicholls has warned the Palaszczuk government not to scrap a royalty deal with Indian company Adani over th.

Molan could prove fresh obstacle for Turnbull

  • Andrew Clark

The possible elevation of retired Major General Jim Molan to fill a vacant NSW Senate position is shaping as yet another blow to Prime Minis.

An omnishambles but not a constitutional crisis

If the Turnbull Government lost its majority in the House, what would happen then? What would the role of the Governor-General be?

Turnbull braces for minority rule

  • Laura Tingle
  • Phillip Coorey
  • Jacob Greber

Malcolm Turnbull has signalled he is braced for minority government, saying one of his own MPs, John Alexander, should stand down immediatel.

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PM ups threat to refer Labor MPs

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Trump’s audience with the emperor

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Replacement senate Liberal sent to High Court

world

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US market rally derailed by tax cut concerns

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Surge in SMSFs present challenges to accountancy profession

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Latest financial, market & economic news and analysis, Business, The Guardian, financial

Restaurants fear Brexit will turn boom to bust

Financial news today

Revealed: how Vodafone allowed elites to reap profits of Africa’s mobile boom

Financial news today

Everything you wanted to know about bitcoin but were afraid to ask

Financial news today

Technology, infrastructure, training … why the CBI’s loving the Labour party

A new battle for Hastings and beyond: to save our museums

HSBC shut down accounts linked to Gupta scandal

Alas poor chancellor: doomed to do little and please no one

The Guardian view on the Paradise Papers: not all is lost

Central banks are back in the dock but they must be found not guilty

Are the Murdochs at war over the future of their media empire?

More opinion analysis

John Lewis Christmas ad 2017: watch the video of Moz the monster

Sainsbury’s Supermarket boss blames ‘soggy August’ for sales slowdown

Sainsbury’s Supermarket boss blames ‘soggy August’ for sales slowdown

The bank of Mum and Dad: ‘It’s such a huge amount of money. And guilt’

Couple scammed out of £57,000 fear being homeless at Christmas

Schools ignore personal finance lessons and fail Generation Debt

The online brokers taking the misery out of mortgages

Nationwide shows pensions’ future needn’t be a grim one

Let’s move to Frome, Somerset: ‘You want community? You got it’

Gas and electricity fuel price rises at triple rate of inflation

Barclays in major security breach as it admits posting out pin numbers with new cards

More your money

Restaurants fear Brexit will turn boom to bust

Technology, infrastructure, training … why the CBI’s loving the Labour party

As sliced bread sales fall and costs rise, are UK’s leading bakers toast?

Turbulence continues for Airbus as one of first A380s exits service

John Lewis Christmas ad 2017: watch the video of Moz the monster

StubHub and Viagogo offices raided in ticket touting investigation

Sadiq Khan: Holiday Inn owner has broken vow to pay living wage

Monocle: you’ve seen the magazine – now buy the apartment

Monty the penguin: John Lewis unveils its Christmas ad – video

This article is 3 years old





San Francisco Business Times – Print Media – Financial District – San

#sf business times

#

San Francisco Business Times

What s really going on in the Bay Area? Most people look to SFGate.com or the Chronicle. In this day and age of instant information, most doubt how much information is available in a weekly local publication. Hands down, this newspaper has the pulse on the business environment of the Bay Area, with a heavy emphasis to San Francisco. Subscribing for over fifteen years, my workplace is a loyal customer to this great information source. Whether reading about what new businesses or projects are in the area to finding out what homes are selling for in the various Bay Area counties, SF Business Times keeps you on top of the area news.
Whether you are in marketing, real estate, finance, or just nosy about what s going on, there s always some information that makes you say, Gee, that s interesting!
Also, full props to their customer service staff in sending me missing issues (still not sure if it s my mailman or my coworkers) – likely suspects!). Unlike the other paper, I don t need to run to a newsstand and pay for another copy. Check this periodical out!

Was this review ?

Their customer service is deplorable. You cannot speak with a human being, basically ever. I called customer service one morning. No one answered after 9am. And no one ever called me back. Any time I have needed to talk to them it was because they screwed up one of our office s subscriptions. Wish they weren t the only game in town. Uggggh!

Was this review ?

As a big fan of information, Knowledge is Power, I was very impressed with the Read to Succeed Seminar I attended at this publication s office. I know the title smacks of a literacy program, but it was actually an informative meeting on how to read the weekly publication to expand on networking and marketing.

In these uncertain economic times, newspapers and jobs are falling by the wayside. Judd Walsh opened my eyes on ways to utilize many of the great sections to find sales leads, build market intelligence, and prospecting. He gave great tips and suggestions.

Some of the most valuable info in the SFBT is in the form of The Lists published weekly and then at the end of the year in a large compendium. These Listings cover topics such as Best Places to Work in the Bay Area to The Top Wineries. Event announcements and articles on the different industries are excellent resources.

I am now going to subscribe to the newspaper. Thanks to Veronica and also the gentleman that gave me a copy of 2009 Zagat Guide.





Financial Post #business #franchise

#financial news today

#

‘2016 will be our best year’: How the geeks took over Montreal’s porn industry
Corporate consolidation and the Internet’s endless supply of free content.

Eight-year age difference makes planning tricky, but staggering retirement may lead to more security
This couple is expecting a ‘skinny retirement,’ but still want to build a.

Step aside algorithms, meet the tastemakers who curate the major streaming music services
As their popularity grows, music streaming services are increasingly.

How to strategically withdraw money from an RESP
Once your kids actually need the money, how to use the RESP may not be.

Court dismisses ‘vexatious’ allegations by Resolute Forest Products against Greenpeace
Resolute is suing the environmental activist organization after it.

The Artificial intelligence boom is raising questions about ethics and regulations
Five of the world’s largest tech companies are trying to create a standard.

Vancouver home sales plunge for second straight month in wake of new foreign-buyer tax
Greater Vancouver’s record-breaking housing market run appears to be over.

Federal court rules former CRTC commissioner denied procedural fairness in harassment investigation
Raj Shoan sought a judicial review over the findings of harassment and.

How schools and parents can start teaching kids about today’s most taboo topic — money
It’s something barely discussed at home, let alone at the dinner table. And.

There is already madness brewing in the oilpatch over Ottawa’s reefer legalization
Right now, most oil and gas companies pre-screen for alcohol and drug abuse.

Here are some things you should and shouldn’t have sold in May
It would have been nice to take the summer off, but there was money to be.

How National Energy Board efforts to engage with Quebec backfired with claims of improper behaviour
Claudia Cattaneo: Activists are demanding that two NEB panel members be.

Facebook Inc users can’t sue as group over advertising data use, U.S. judge rules
Users accused the social network ‘automatically and surreptitiously’.

BlackBerry teams with Samsung on ‘spy-proof’ tablet for German government agencies
The device includes a security card plus encryption and certification.

‘Elon could implode’: Musk’s terrible, horrible, no good US$779-million day as risky bets pile up
Musk has a history of throwing money after grand visions, like weening the.

Oil snaps four days of declines as Russia backs oil-freeze deal with OPEC
Russia says it’s ready to take part in informal talks with OPEC later this.

Here’s what we can expect from Apple’s ‘See you on the 7th’ event next week
Some industry watchers think the event’s title is a play on words for the.

Galaxy Note 7 recall poses threat to Samsung suppliers
The financial impact of the Samsung Galaxy Note 7 recall may be felt most.

Lithium fantasies vs. bitter realities
Startup lithium companies now number over 100 in Canada and around the.

Cara Operations beefs up restaurant presence in Quebec as St-Hubert chicken deal closes
Cara of Vaughan, Ont. says the ‘historic alliance’ will provide St-Hubert.





The Financial Express – Business News, Industry, Personal Finance, Stock Market News

#stock market news today

#

The Railways need to evaluate whether it should continue to have 125 hospitals, 600 polyclinics and 100 schools directly under its wing, he said.

Outgoing RBI Governor Raghuram Rajan today rejected the idea of the government taking a special dividend from the central bank for recapitalisation of public sector lenders, saying there is no free lunch .

India and Vietnam today called for a reform of the UN and an expansion of the Security Council in both the permanent and non-permanent categories of membership, with enhanced representation from developing countries.

Country s largest two-wheeler maker Hero MotoCorp plans to launch 15 new products in domestic as well as international markets this fiscal, a top company official said today.

Find the Jeep pricing absurd? Here s the reason and why it isn t necessarily bad

New Jaguar sets record as fastest selling car for Tata Jaguar Land Rover

Stable regulatory framework important for investment in auto sector

The system, which would utilise the same machine learning technology used in Microsoft s artificial intelligence (AI) assistant Cortana, is designed to have a long lifecycle.

Samsung announces swap for Galaxy Note 7 with Galaxy S7 variants

Xiaomi Mi Max: Phablet with long-lasting battery for heavy users

From UrbanClap to OTJ247, take to tech to slay the chores and really enjoy the festive season

Odisha Chief Minister Naveen Patnaik today launched the Biju Kanya Ratna Yojana (BKRY) and inaugurated 1,000 anganwadi buildings here as part of the celebration marking birth centenary of legendary Biju Patnaik.

The extraordinary life of Mother Teresa, who worked relentlessly for the upliftment of the destitute and who will be declared a saint by the Roman Catholic Church, must be brought alive on the silver screen, says India s acclaimed veteran filmmaker Shyam Benegal.





IT Financial Management: What vs #business #sale

#business finance

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IT Financial Management: What vs. How

If you don t know where you are going, then any road will get you there.

Lewis Carroll, Alice in Wonderland

Most enterprises understand the benefits that can be derived from increasing IT cost transparency, managing IT like a business, and improving the interaction between IT and business units. Yet, despite the inherent understanding behind these admirable goals, many IT financial management initiatives and implementation projects fail to live up to expectations. They either miss their expected goals, or worse, completely fail.

Industry analysts have substantiated this claim for years, indicating that on an IT management maturity scale of 1 to 5 (with 5 being highest maturity), the average U.S. large or mid-market enterprise hovers around a dismal 2 on this scale. Clearly, there is a gap between desired goals and operational execution; expectations are not met.

Applying discipline to the IT financial management what you are implementing and how you and your team are going to implement it. Just as important for everyone on your team is to grasp which one comes first. In other words, an enterprise needs to fully understand the imperative (the what ) versus the means (the how ) to effectively increase maturity in IT financial management processes in order to attain a desired stage of IT maturity.

So let s start by discussing the difference between the what and the how. Many times enterprises believe that what they are implementing is an IT financial management software application tool. This perception is incorrect and seriously flawed. What they are implementing is a set of IT financial management processes. The software application or tool is how this process will be delivered. Simply stated, the what is the process or set of processes that are being implementing, and the how is merely the tool that will be used to facilitate and support the processes.

Next, let s discuss the order in which the what and the how need to be addressed. In most aspects of life, a person decides on what they want to do before they determine how they will do it. Stated another way, we define what our goals are, and then we plan how to achieve those goals. Normally, we decide where we want to travel before we decide if we want to take a car, a plane, a train, or simply walk. It is a simple, logical flow. Implementing an ITFM process is simply an aspect of an enterprise s life. It should follow the same logic what before how. The single most important factor in having a successful ITFM implementation is having a thorough understanding of what needs to be implemented before deciding on how to implement it.

Figure 1 depicts the range of stages of an ITFM maturity model. It is important to understand that a company must fit its goals to the appropriate level of maturity. In other words, a stage 3 level Manage Cost may be desired over a Stage 4 level Competitive Advantage since the incremental efforts and cost to achieve stage 4 may not, for a specific organization, justify the benefits achieved in order to achieve this stage.

Let s briefly mention some of the considerations that need to go into determining the what :

Senior leadership must lead an ITFM project. There must be a good understanding of who is sponsoring the project IT, the business units, finance. ITFM maturity is a top-down initiative.

What are the current ITFM-related processes? Mapping existing processes will help determine gaps and areas for improvement.

How readily available are current cost and usage drivers?

How are business and IT performance currently being measured?

Who will be the winners and the losers with a change of ITFM processes? Can the losers also be turned into winners?

The answer to these questions will differ by enterprise. That means the what will be different for each enterprise.

We started this discussion by asking why so many IT financial management projects fail to meet expectations. One primary reason is the lack of a full understanding of the difference between what process or processes are being implemented versus how a change in process will be implemented.

We have begun the presentation of a course of action and related framework and if followed, the chance of meeting expectations and realizing the business benefits of ITFM will be greatly enhanced.

In Part 2 of this series of articles, we will describe how you determine the what, which is a rather extensive subject in itself. In Part 3 we will describe the how. Similar to uncovering the what, deciding the how is a detailed process.

Mike Stiglianese is a managing partner of TMO Partners . where he advises Fortune 500 companies on management of their strategic technology, financial, risk, and shared services initiatives. He is a chief IT risk and financial executive with extensive experience in leading financial and risk management solutions for global organizations. His career includes 25 years in Citigroup s financial control function, where he held a leadership role in identifying, developing and implementing global, cross-business expense reduction efforts and was recognized as a key contributor to capturing $3 billion in savings at Citigroup.

Lawrence Maisel is president of DecisionVu Group Inc. . a management consultancy specializing in corporate performance management, financial management and IT value management. He has successfully demonstrated abilities to provide leadership in strategy and financial management, and information technology with numerous experiences in financial services, insurance, communications and media, and pharmaceuticals industries. He has developed business strategies, managed and improved business performance, implemented business systems, and designed solutions to increase operating performance and shareholder value. Recently, he co-authored (with Gary Cokins)Predictive Business Analytics Forward-looking Capabilities to Improve Business Performance(2014, John Wiley Sons), and authored IFAC s International Good Practices Guidance on Predictive Business Analytics.





Financial Advisor – Career Rankings, Salary, Reviews and Advice #grants #for #business

#business careers

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Financial Advisor Overview

Overview

It’s an exciting time to be a financial advisor, since several decades ago, the position didn’t really exist. You were either a stockbroker or a community banker or even in insurance sales, according to James Kinney, a certified financial planner and founder of the New Jersey-based Financial Pathways. Now, however, financial advisors perform all these roles, from small independent practices to big investment firms.

“As a larger portion of the industry shifts away from the banks, brokers and insurance companies, additional opportunities have opened,” writes Eric Schaefer of the Virginia-based wealth management, investment and financial planning firm Savant Capitalin an email. “As this transition takes place, many advisors have gone independent or created ensemble relationships in new businesses. These new businesses need young, energetic and driven professionals to leverage the time of senior advisors and provide for the future continuity of the business.”

Put simply, financial advisors meet with clients and counsel them on their finances. This could mean sitting down and creating budgets to firming up retirement plans to giving advice about investing. Financial advisors can also invest a client’s funds and meet with him or her regularly to discuss their investments. Some are also licensed to sell insurance. Many times, financial advisors help plan a safe, comfortable future for their clients, but they’re also called upon when the unexpected occurs –perhaps an aging parent suddenly requires a live-in nurse, a couple plans on divorcing or a child needs to transfer to an expensive private school. Financial advisors may step in and make sense of these fiscal troubles and create a plan for moving forward. For that reason, Schaefer explains, “Good financial advisors and good teachers tend to have a lot of traits in common.” He points out that advisors must be able to listen to their clients; explain complex ideas in easy-to-understand ways; and be able to sympathize with their clients.

This is expected to be one of the faster-growing occupations over the next decade, with a projected growth rate of 30 percent through 2024, according to the Labor Department. That’s an additional 73,900 new positions on top of the 249,400 jobs financial advisors held in 2014. The retirement of baby boomers in need of financial planning advice is one driver of the expected growth. Still, employment may be tempered by the increasing number of online advisory tools, which may divert clients from seeking financial advice in person.

Quick Stats

$81,060 Median Salary

3.3% Unemployment Rate

73,900 Number of Jobs

Salary

The median annual salary for financial advisors was $81,060 in 2014, with the lowest-paid earning less than $35,500 and the highest-paid earning more than $187,199. On top of their salaries, many advisors also earn substantial bonuses. The best-paid financial advisors live in the metropolitan areas of Danbury, Connecticut; Panama City, Florida; and Great Falls, Montana.

75th Percentile. $139,350

25th Percentile. $52,590

How much do Financial Advisors make in your city?

See current salary offers for jobs in this field

Training

To be a financial advisor, you need financial expertise and a desire to help people. A bachelor’s degree is typically a good starting place, but you can choose a broad range of degrees – from finance to business to something entirely different. Increasingly, universities have begun offering financial planning degrees, too.

However, Schaefer says, “My colleagues and I agree that 80 percent of our job is psychology, and only 20 percent is financial. I know successful owners of financial advisory firms that specifically recruit psychology majors for this reason. Though a business or economics degree will better prepare a professional to take industry exams or explain financial products, the ability to understand the core concerns and goals of a client or prospective client is much more valuable.”

The Certified Financial Planner exam is required to become a CFP –a distinction that looks good to employers. You can also acquire other designations if you want to specialize in a certain area of financial planning. For instance, you can complete the necessary coursework and exam to acquire the Chartered Retirement Plans Specialist, or CRPS, designation. And if you plan on buying or selling stocks or selling insurance, you’ll need to procure state-specific licenses.

Job Satisfaction

Average Americans work well into their 60s, so workers might as well have a job that’s enjoyable and a career that’s fulfilling. A job with a low stress level, good work-life balance and solid prospects to improve, get promoted and earn a higher salary would make many employees happy. Here’s how this job’s satisfaction is rated in terms of upward mobility, stress level and flexibility.

Upward Mobility. Above Average
Opportunities for advancements and salary

Stress Level. Above Average
Work environment and complexities of the job s responsibilities

Flexibility. Average
Alternative working schedule and work life balance

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Financial Post #business #leads

#financial news today

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‘2016 will be our best year’: How the geeks took over Montreal’s porn industry
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How to strategically withdraw money from an RESP
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Court dismisses ‘vexatious’ allegations by Resolute Forest Products against Greenpeace
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The Artificial intelligence boom is raising questions about ethics and regulations
Five of the world’s largest tech companies are trying to create a standard.

Vancouver home sales plunge for second straight month in wake of new foreign-buyer tax
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How National Energy Board efforts to engage with Quebec backfired with claims of improper behaviour
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Facebook Inc users can’t sue as group over advertising data use, U.S. judge rules
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Cara Operations beefs up restaurant presence in Quebec as St-Hubert chicken deal closes
Cara of Vaughan, Ont. says the ‘historic alliance’ will provide St-Hubert.





Financial Assistance for Drug and Alcohol Treatment #drug #rehab #financial #assistance


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Financial Assistance for Drug and Alcohol Treatment

It really is possible to get financial assistance for drug and alcohol treatment. Rehab can be really expensive, so this is a great way for those in dire need to get sober, regardless of income level. There are many facilities that offer help to those that cannot afford the high cost of rehab. Sobriety shouldn’t be expensive, but unfortunately, is really can be. For those that would like to know about financial assistance for drug and alcohol treatment, there is much to be found. Let’s take a look at some of the rehabilitation facilities that offer help for those that cannot afford to get it on their own. If you suspect someone you love is addicted, look for the warning signs.

Betty Ford Center Program:

You can get financial assistance for drug and alcohol treatment through the Betty Ford Center. This rehab center is one of the leaders in the industry, and perhaps the best known. There are limits for this type of program, as you would expect. You can fill out an application online and expect an agent from the Betty Ford Center to contact you within 72 hours. In addition, you can call (800) 434-7365 and speak to an agent directly about the financial assistance for drug and alcohol treatment that is offered through this rehab facility.

Local Rehab Programs Many are free:

Betty Ford isn’t the only option for those looking at financial assistance for drug and alcohol treatment. Some of these types of programs are funded by local government agencies, so it can really pay to call your local courthouse. Try to find out what types of financial assistance for drug and alcohol treatment you have available in your area. Since this will vary greatly by region, your best bet is to contact your local government agencies directly. Try drug and alcholol treatment centers in Mississippi. or you local area for financial assistance.

There is a good chance you can get some free help, which may be better than financial assistance for drug and alcohol treatment. Many areas have local Alcoholics Anonymous and Narcotics Anonymous groups which are designed to help you stay sober. This is not really the same as a rehab center, but it’s a good start for those that simply cannot afford the high cost of sobriety. It’s a viable option, and serves as a decent alternative when you cannot find financial assistance for drug and alcohol treatment in your area.

Look for support groups to join if you cannot find enough financial assistance for drug and alcohol treatment. You will find many of these types of programs out there, even in rural areas. Be sure to be diligent in your search, so you can keep your options open.

Are You In a Union?

If you are in a union, you may be able to get financial assistance for drug and alcohol treatment. Some unions have a built in benefit regarding rehab for addictions. These types of programs aren’t necessarily funded by the agency you work for, but by the union that represents you. Contact a union rep to see if you can qualify for financial assistance for drug and alcohol treatment through your local union. You may be surprised at how much they can help you achieve sobriety. You should be able to contact your reps in confidence, as the information should be kept confidential. This could help to ease your mind, should you be worried about losing your job as a result of your addiction. Financial assistance for drug and alcohol treatment can help your keep your cool as you deal with your addiction.

At Work:

Check out your work policy manual front to back. Read it over carefully. Believe it or not, some companies can actually offer financial assistance for drug and alcohol treatment from abuse. This is really pretty much hit and miss, since only a few companies will offer this type of help with abuse and addiction, but a few do. Generally speaking, however, you may find that the company is obligated to grant you a leave while you battle your addiction. This may not be financial assistance for drug and alcohol treatment, but it will at least ease your mind that you can keep your job. Since many battling addictions lose their job over them, it’s good to know that there is a way to let your job give you a helping hand. When you battle your addictions, you will need all the help you can get, even if you do find financial assistance for drug and alcohol treatment.

Your Insurance May Help!

If you have insurance, there is a good chance you have access to financial assistance for drug and alcohol treatment. In fact, you may even have 100% coverage, so the rehab could be free. This is a great option to check out. Be sure to call your insurance provider to see if you have coverage for abuse rehab. Many are quite surprised to find out just how good their coverage really is. This is a great way to get financial assistance for drug and alcohol treatment for those in need of rehab services.

Make no assumptions with this one. Even if you have very poor insurance, you may still have some financial assistance for drug and alcohol treatment coverage built in. If you are on a government backed program, you may actually have great coverage to help you battle your addiction. All it will generally take to find out is a simple phone call to your provider. You really may end up with financial assistance for drug and alcohol treatment. Rehab can be made affordable if you have insurance.

Keep Your Head Up!

As you search for financial assistance for drug and alcohol treatment, you are going to run into some issues. You may have to battle the insurance company, or really face your addiction head on while exploring your options. If you are looking for help and trying to get into a rehab facility, you are taking a big step in the right direction. Be sure to keep your head up as you look for financial assistance for drug and alcohol treatment. It may not be easy to find, but it is out there.

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Cloud ERP Software, Financial Management Software #accounting #software, #cloud #accounting #software, #cloud


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The first and last cloud Financial Management Solution your business will ever need.

Move from the ordinary to the extraordinary with best-in-class Intacct cloud ERP software. Intacct—the only AICPA-preferred accounting management solution —generates immediate value through extensive real-time automation and a multi-tenant-architecture to eliminate manual work and simplify complex financial processes. Tap the power of cloud accounting software for core financial management that saves you significant time and money.

Gain strategic insight into business performance and take advantage of cloud ERP software that runs your business better. Intacct transforms inflexible, outmoded accounting processes using reporting and dashboards that streamline operations and turbo-charge financial reporting. presenting you with consolidated financial statements. Manage complex, multi-entity or multinational operations in real time with smarter consolidation accounting software. Only Intacct empowers your team with greater visibility into real-time business performance.

Intacct is the cloud ERP software you’ll never outgrow. When you need easy-to-use accounting software that is built for the cloud. Intacct is there with prepackaged functionality for immediate improvements. When you need to customize, Intacct lets you design workflows and configure the software to match the way you and your team work. Plus, there are dozens of prebuilt integrations with leading applications for each major business function within your organization—so you can deploy with more speed and less risk. For instance, Salesforce integration is a snap. Count on Intacct for accounting software in the cloud that’s flexible enough to work the way your business runs—today and tomorrow.

Intacct cloud ERP software—backed by Intacct professional services experts—deliver the best-in-class return on investment (ROI) that savvy financial professionals demand. Intacct pricing makes cloud computing costs affordable with a pay-as-you-go model, so you only pay for what you use. And that means most companies achieve a 100-percent payback in as little as six months. Maybe that’s why thousands of companies have made the move to Intacct cloud ERP that automates key processes, drives revenue, and saves on IT costs.

We understand that customers entrust highly confidential business information to us. It’s an obligation we take extremely seriously—and that’s why we’re committed to exceeding your expectations for protecting and securing your confidential business applications and data. Get the full story on our world class physical, network, application, and data-level security. We also invite you to learn more about our website privacy policy and product privacy policy .


Financial Advisors #financial #network #of #america, #fna #wealth #management, #personal #finance, #financial


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Things we’re really knowledgeable about .

Our advisors at FNA Wealth Management are prepared to work with you in building your strong investment foundation. From setting goals and creating a budget, to choosing retirement options and helping to grow your wealth, our advisors’ priority is getting to know you, your circumstances and your goals. We’ll be there when you need us, for every step of your growth, guiding the decisions that begin and end with you.

We should note that our FNA X-Press Deferred Comp team are very knowledgable at what they do! Learn more -›

Planning .

The foundation for investing starts with effective financial planning. Our advisors begin by gathering information—from establishing a budget and gathering financial records, to knowing your net worth.

The more insight our advisors have into who you are, the more successful they will be in helping you reach your goals. As always, an honest evaluation is essential to identifying financial tools that will benefit you the most. At FNA, honesty is in all we do.

Managing .

It may surprise you to know that, according to records, 75% of all estates do not have the necessary cash. Our advisors can help you to avoid negative statistics by developing a plan to help protect and preserve your assets.

Working with FNA to create an estate management strategy now allows you to help maximize value and control in the future. And really, who better to make vital decisions about your wealth and resources than you?

Growing .

When planning for retirement, it is prudent to investigate all options at your disposal. Some may involve you alone, others may also draw from your employer. Annuities, 401(k)s, IRAs—these can be deep waters.

Whatever the case, as an advancing investor, you will likely seek help from an expert. The advisors at FNA are ready to help. From accumulation to distribution, they ll be there to help you grow your assets and secure your wealth.

  • The four most dangerous words in investing are: ‘this time it’s different’. Sir John Templeton
  • Budget: a mathematical confirmation of your suspicions. A.A. Latimer
  • I put a dollar in one of those change machines. Nothing changed. George Carlin
  • Bills travel through the mail at twice the speed of checks. Steven Wright
  • Money is better than poverty, if only for financial reasons. Woody Allen
  • Every day I get up and look through the Forbes list of the richest people in America. If I’m not there, I go to work. Robert Orben
  • Business is the art of extracting money from another man’s pocket without resorting to violence. Max Amsterdam

Some friendly people you should know .

You spend your life working hard. It’s our job to help you protect your success. Check out our advisor profiles and find out just how much we can help. Any and all questions are welcome. Together, we can design your future.

Joe Randazzo, JD * CFP ® .

Armed with a powerful arsenal of experience and formal education, Joe helps clients to invest intelligently. Drawing on his legal training and experience in taxes and estates, along with his certification in financial planning, he can approach every client scenario from a holistic perspective. Building up trust, breaking down worry, building wealth always keeping it friendly. More -›

* Legal and tax services are not offered through, or supervised by Lincoln Investment or Capital Analysts.

Sal Catalano .

Anchored by a premium base of insight and skill, from financial planning to estate and retirement management, Sal is the real deal. Decades of experience and genuine concern inform his outlook. Whether aiding public employees, business owners or neighbors, he wears his knowledge on his sleeve. Education is his focus, deepening his clients’ insight is his goal. More -›

Suzanne W Lipps .

With nearly 3 decades’ experience, Suzanne is a retirement planning professional. Specializing in deferred compensation, working extensively with public employees. Her goals revolve around her clients, enjoying making people feel confident in their future. And taking a personal, detailed approach, Suzanne builds lasting relationships with client goals clearly in focus.

William Matejka, AAMS ® .

Craftsman and teacher at his core, Bill is centered on building client knowledge, and helping form and secure their vision. His method is adaptable and comprehensive, tapping into 20+ years’ experience in economics, financial planning, and asset management. Simply put: Bill is an earnest, loyal advisor and a talented professional who is personal from the heart, trustworthy to the core.

Jonathan Mistofsky .

Previously based in NYC and acting as VP of a sizeable alternative investments firm, Jonathan’s range of expertise is broad. Wealth and pension fund management, investment consulting, family offices, insurance companies, and a deep understanding of fixed income asset management. Add to this his genuine family values and a sincere desire to help, and you have some serious bona fides.

  • The four most dangerous words in investing are: ‘this time it’s different’. Sir John Templeton
  • Budget: a mathematical confirmation of your suspicions. A.A. Latimer
  • I put a dollar in one of those change machines. Nothing changed. George Carlin
  • Bills travel through the mail at twice the speed of checks. Steven Wright
  • Money is better than poverty, if only for financial reasons. Woody Allen
  • Every day I get up and look through the Forbes list of the richest people in America. If I’m not there, I go to work. Robert Orben
  • Business is the art of extracting money from another man’s pocket without resorting to violence. Max Amsterdam

Headlines .

Contact Us .


Google Finance – Get company stock quotes streaming live #finance, #reference, #research,


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Google Finance

What it’s good for

  • Information on personal finance from Google
  • Google Finance offers a broad range of information about stocks, mutual funds, public and private companies, interactive charts, news and fundamental data
  • Excellent site for financial information
  • Google s tool for searching financial information
  • Real Time quotes and market overview
  • Google Finance offers financial data and news for most publicly-traded companies
  • Excellent interactive charts for any stock, mutual fund or currency for right now or any date in the past (historical data) with annotations for dates of big news events
  • Get live streaming statistics from wall street
  • Search stocks and get real time stock quotes
  • Perform stock research to evaluate a stock or mutual fund before investing and get quick price charts for analysis
  • Business information, news, and interactive charts. Get market summary, market news, stock quotes, and videos related to the economy and market news. Find real-time, last sale prices from the New York Stock Exchange (NYSE) for free, along with those from NASDAQ. Wondering what Ford (F) is trading at today? Search for it on Google or Google Finance and keep the page up to have the quotes stream live. Access to real-time financial information has traditionally been limited to investors with brokerage accounts and other users via subscription fees. This free access was made available on Google Finance beginning in June 2008. Other features available on Google Finance includes the ability to create a personal, customized portfolio overview of stock values that you want to monitor

Google Finance

Popularity

2017 iTools


REAL Trends Announces America – s Best Real Estate Agents List #real


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REAL Trends Announces America’s Best Real Estate Agents List

DENVER. July 6, 2017 /PRNewswire/ — REAL Trends, Inc.. the Trusted Source in residential brokerage, released today the 2017 REAL Trends America’s Best Real Estate Agents list. The list, now in its fifth year, ranks the most productive agents by state and metropolitan area based on closed transaction sides and closed volume. Agents and brokers selected for the 2017 REAL Trends America’s Best Real Estate Agents list receive additional exposure on Trulia and Zillow to help them grow their business.

“With today’s release of the 2017 America’s Best Real Estate Agents list, an elite group of real estate agents across the country are receiving well-deserved recognition. These sales associates have built enormously successful small businesses in an extremely competitive field,” said Steve Murray. president of REAL Trends.

Almost 12,600 U.S. real estate sales associates from every state are featured. To be included in the ranking, agents must have closed at least 50 transactions or $20 million in closed sales volume in 2016. Teams must have closed 75 transaction sides or $30 million in closed sales volume in 2016 to be included. All production numbers are independently verified by a third-party to ensure accuracy and report integrity.

The individuals ranked in America’s Best Real Estate Agents had an average of 73 transaction sides and an average sales volume of almost $37 million. “The average residential real estate agent in the United States closed 8.6 transactions in 2016 and had less than $1.3 million in sales,” said Murray. Teams ranked in America’s Best Real Estate Agents had an average of 144 sides and an average sales volume of almost $61 million. This ensures that only the best of the best are included on the prestigious list.

Here’s a breakdown of the states that had the most sales associates qualify for America’s Best Real Estate Agents:

California
Number ofAgents on America’s Best: 1,370
Number of Teams on America’s Best: 556
Individual by Sides: Paul Cargile. Cargile Company Realtors, Inc. Los Angeles, Calif.
Individual by Volume: Efi Luzon, Intero Real Estate Services, Los Altos, Calif.
Top Team by Sides: Kevin Blain Team, Keller Williams Realty, Tulare, Calif.
Top Team by Volume: The DeLeon Team, DeLeon Realty, Inc. Palo Alto, Calif.

Florida
Number ofAgents on America’s Best: 455
Number of Teams on America’s Best: 296
Individual by Sides: David Connart. NextHome White Sands, Destin, Fla.
Individual by Volume: Dora Puig. Luxe Living Realty/Fisher Island Real Estate, LLC, Miami Beach, Fla.
Top Team by Sides: The Duncan Duo Associates at RE/MAX Dynamic, Tampa, Fla.
Top Team by Volume: The Jills, Coldwell Banker Residential Real Estate/NRT, Miami Beach, Fla.

Illinois
Number ofAgents on America’s Best: 321
Number of Teams on America’s Best: 194
Individual by Sides: Edward Lukasik, Jr. RE/MAX Professionals, Bolingbrook, Ill.
Individual by Volume: Dawn McKenna. Coldwell Banker Residential Real Estate/NRT, Hinsdale, Ill.
Top Team by Sides: John Murray. Key Realty, Rockford, Ill.
Top Team by Volume: The Lowe Group, Berkshire Hathaway HomeServices KoenigRubloff Realty Group, Chicago, Ill.

New York
Number ofAgents on America’s Best: 549
Number of Teams on America’s Best: 240
Individual by Sides: Larry Magguilli. Hunt Real Estate ERA, Rochester, N.Y.
Individual by Volume: Alexa Lambert. Stribling Associates, New York, N.Y.
Top Team by Sides: Ryan Serhant. Nest Seekers International, New York, NY
Top Team by Volume: The Eklund | Gomes Team, Douglas Elliman Real Estate, New York, N.Y.

Texas
Number ofAgents on America’s Best: 389
Number of Teams on America’s Best: 343
Individuals by Sides: Ben Caballero, HomesUSA.com, Inc. Addison, Texas
Individuals by Volume: Ben Caballero. HomesUSA.com, Inc. Addison, Texas
Top Team by Sides: The Ronnie Cathy Matthews Team, RE/MAX Legends, Spring, Texas
Top Team by Volume: The Ronnie Cathy Matthews Team, RE/MAX Legends, Spring, Texas

Go to http://www.AmericasBestRE.com to see the 2017 REAL Trends America’s Best Real Estate Agents list. The 2017 REAL Trends America’s Best Real Estate Agents list is sponsored by Zillow Group, which houses a portfolio of the largest real estate and home-related brands on the Web and mobile.

REAL Trends America’s Best Real Estate Agents honors America’s finest real estate agents and their companies and is compiled and analyzed by REAL Trends.

The rankings are compiled based on surveys from virtually every national branded network, many state and local associations of Realtors®, multiple listing services, all applicants from past years’ rankings, and the 1,700 largest brokerage firms in the United States. Verification from an independent source is required for all submissions. Also, REAL Trends senior staff reviews every submission for completeness and accuracy.

ABOUT REAL Trends
REAL Trends is a privately-held, Colorado -based publishing, consulting and communications company specializing in the residential brokerage and housing industries. REAL Trends provides a wide range of advisory services to a clientele of local, regional and national real estate organizations. REAL Trends’ areas of expertise include operational analysis, valuations, merger and acquisition advisory services, technology and digital marketing consulting, consumer and business research and strategic planning. Visit REAL Trends at www.realtrends.com .

SOURCE REAL Trends, Inc.

Related Links

REAL Trends Announces America’s Best Real Estate Agents List


Farrell – Pak: Texas Elder Law #farrell # # #pak, #farrell, #pak,


#

Elder Texans and their families face increasingly complex decisions about legal and financial matters. Appropriate legal and financial plans can prevent personal and family crisis from occurring when health deteriorates and the need for long-term care arises. Our services include: benefits planning and applications including Medicaid; estate planning including special needs and other types of trusts, wills and powers of attorney; guardianship; probate and alternatives to probate when appropriate. We serve the elderly, caregivers, and those who wish to plan for their choices and values to be honored.

Legal Services for Elder Texans and Their Families

Many of our clients face expensive medical needs, such as care in a nursing home, assisted living facility or at home. We help them and their families conserve their assets to the extent possible, while seeking the best care in the most suitable environment. We seek to provide peace of mind for our clients.

U.S. News World Report Best Law Firms in Texas in Elder Law (First Tier) , 2013-2016

Services we provide routinely include:

  • Legal and financial planning for long term care
  • Medicaid planning, applications and appeals
  • Estate planning for individuals and couples
  • Special Needs Trusts for family members with disabilities
  • Power of Attorney Agent and Guardianship advisory
  • Probate and estate administration
  • Alternatives to Probate
  • Guardianship
  • Referrals to related geriatric services

Attorneys

H. CLYDE FARRELL has been in private Elder Law practice since 1993. He is a Certified Elder Law Attorney, certified by the National Elder Law Foundation, as recognized by the State Bar of Texas Board of Legal Specialization.

BLISS BURDETT PAK joined Mr. Farrell as a partner in 2010. She is a member of the College of the State Bar of Texas, the State Bar of Texas (licensed since 1999) and the State Bar of Illinois (licensed since 1996).

GREG R. JOHNSON joined Farrell Pak in 2011. He obtained his Texas law license in 2004 after graduating from the University of Texas School of Law. He also holds a Master’s degree in Public Affairs

MEREDITH A. SULLIVAN, associate. Meredith earned her J.D. from Baylor Law School in 2015 and joined the Texas Bar in 2016. She is a member of the Texas Bar’s REPTL, Travis County Women Lawyers Association and Texas Young Lawyers Association.


Language Translation Services #language #translation,translations,translation #agency #uk,business #translations,website #translation,marketing #translation,legal #translation,financial #translation,interpreting,transcription


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Language Translation Services

Axis Translations provides translation and other language services for all nature of requirements. This might be for legal documentation, medical information, financial statements, IT, marketing brochures, websites, etc. We have extensive language translation experience in all subject matters and serve both large international organizations as well as individuals.

We can also assist with transcription services for audio and video recordings. Our transcription service can provide evidence for the courts as well as forming part of your training material and sales presentations. We can even present the completed copy in a dual-language format with time-codes to assist with television and film.

Axis also offers the services of linguists on-site. If you require a linguist on location we can provide you with an interpreter for the courts, conferences and wide range of meeting formats.

We offer free no-obligation quotes and all you need do is contact us by email, phone or fax and we will respond. This site offers extensive information about our services, but why not contact us now to discuss your requirements and objectives.

We provide our services for more than 200 languages. This might be the translation of an Italian legal document into French or a technical manual for translation into Portuguese. Regardless of language combination or document type Axis Translations can fulfil your requirements. In fact, we also assist with many rare languages and so it is always best to contact us to discuss your project.

As part of our commitment to satisfy our clients’ requirements, we offer:

High quality translations: We provide translations by highly qualified and experienced professional translators. Your project will be completed by a human translator and not a software package.

Specialist linguists: We subdivide our linguists by area of specialist knowledge. This means that we can offer linguists with experience in a wide range of technical subjects, from legal terminology to engineering. Unlike other companies, we may propose a team of linguists for your assignment with the best person completing each document.

Free quotations: Regardless of the volume and type of material that needs translating, we are confident that our rates are highly competitive and offer free quotes so that you can assess our charges.

Highly competitive prices: We are committed to offering you the highest quality translations at the lowest rates on the market.

Extensive variety of languages: We are able to translate more than 200 languages. This could be a common European language or a rare African dialect. We encourage you to contact us even if the language is not shown on this website.

Confidentiality: Axis maintains that all our translations and assignments are completed confidentially. This policy applies regardless of whether the project is the translation of a legal contract or something much more general. In addition, we are happy to sign confidentiality / non-disclosure agreements proposed by our clients.
For all your language requirements, please contact Axis Translations.


Heritage financial advisors #heritage #financial #advisors


#

Chapters

Why do people routinely have a separate tax person, a separate investment person, a separate insurance person and a separate attorney? The result is often a hodge-podge of different decisions, made at different times for different reason with little or no coordination. No single decision can effectively be made in a vacuum and poor financial choices can have devastating consequences.

Welcome to a unique Investment Advising community…

Heritage Financial Group helps you simplify the demands of managing your wealth in order to enable you to devote time to your business, your personal endeavors, and your family.

We work with you to develop a comprehensive plan that will address the different areas of wealth management and issues related to each. We look at all areas of one’s financial picture to ensure decisions are made from a position of strength, knowledge and understanding without unintended consequences.

Begin exploring what we bring to the table.

The Heritage Wealth Report is a short, breezy newsletter that arrives each week and keeps its subscribers up-to-date on the market, economy, and other interesting, but not necessarily market-related, information.

The Wealth Report | click here

Please sign up to stay in touch and to receive the Heritage Wealth Report.

This short, breezy newsletter will arrive each week and keep you up-to-date
on the market, economy, and other interesting, but not necessarily market-related, information.

We will not sell or distribute your contact information and you may
unsubscribe at any time.

MoneyLink | click here

Description: Our Exclusive MoneyLink Platform will simplify your life by
allowing you a big picture view of your entire financial situation, easily
accessible online via any tablet or smartphone. Get the answers you
need, wherever you are.

Organizer: Connect All your accounts for an organized consolidated view.

Investments: Interactive charts and detailed views provide you with increased visibility.

Financial Workshops: See if you’re on target to reach your most important financial goals.

Education Center: Your own library of videos, articles and resources to increase your financial knowledge.

Vault: Safely store your most important documents for quick and easy access.

Track Spending: know how much your spending and where.

Budgeting Tools: Set budgets to help you reach your savings goals.

NETXinvestor | click here

Description: NetXInvestor provides you with online access to your Pershing investment accounts,
night and day, seven days a week.

Trust Reporter | click here

Description: Trust Reporter Online Access provides details of your First Trust Company of Onaga account transactions and holdings on a day-delayed basis. Quarterly electronic statements are also available.

Check the background of this firm on FINRA’s BrokerCheck at: http://brokercheck.finra.org

The information provided herein has been obtained from sources believed to be reliable however we cannot guarantee or represent that it is accurate, complete or current. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed an endorsement. When you link to a third party website you are leaving our site and assume total responsibility for your use or activity on the third party sites.

This communication is strictly intended for individuals residing in the states of CO,MN,MT,NE,OH,TX,WI. No offers may be made or accepted from any resident outside these states due to various state regulations and registration requirements regarding investment products and services. Securities and advisory services offered through Independent Financial Group, LLC® (IFG), a registered broker-dealer and investment advisor. Member FINRA, SIPC. Heritage Financial Group and IFG are unaffiliated entities.

Heritage Financial Group, Inc. 1551 Livingston Ave. #102, West St. Paul, MN 55118 Phone: (651) 453-0336 | Fax: (651) 457-5179 URL: http://www.heritage-financial.com

HR and Payroll Software #opera #3,opera #ii,opera,gold,capital,unity,accounting #software,accounts #software,business #software,accounting,accounts,business,pegasus,uk,ireland,small #businesses,finance,financial,modular,integrated,32bit,32-bit,sme,smes,payroll,human #resources,hr,personnel,general,nominal,management


#

Opera 3 Payroll & HR

  • Multi-user, with Company and Group password control and menu level access restriction
  • Full integration with Opera 3 Document Management
  • Links to the Nominal Ledger, Cashbook and Costing Financial modules of Opera 3
  • Definable cheque and payslip designs to suit Company stationery requirements
  • Create unlimited Companies with unlimited employees per Company
  • Weekly, fortnightly, four weekly and monthly paid employees can be maintained all in one company
  • Employee profiles for efficient employee record creation
  • Employee payment details and payslip images can be retained for up to 999 pay periods
  • Payslips from past periods can be reprinted at any time
  • Employees can be paid via BACS, reducing the time and costs required to process payments
  • Submit Year-End Returns via the Government Gateway using the Pegasus Online Filing Manager
  • In-Year P45(1), P45(3) and P46 file generation for online submission using the Online Filing Manager
  • Filtered Historical employee record processing to current legislative bandwidths
  • Automated Director’s National Insurance calculations
  • Multiple Pension Scheme management
  • Track report on key field changes for the Payroll year using the Audit Log
  • Backup and Restore facility
  • Fully automated SSP, SMP and SPP (Birth) processing and reporting, with complex legislation built in
  • Automated Attachment Orders processing and reporting
  • Retrospective NI code changes with automatic adjustment value calculation and processing
  • Caters for Holiday pay across year-end

Employee Records

  • Address, bank details and holidays
  • Tax and National Insurance To-Date details
  • Payments and deductions – permanent and temporary values, retained units and rates, zero this period facility
  • Quick calculation – showing net pay, total deductions and NI’able earnings
  • Retained History with payslip image drill down
  • Employee photograph attachment
  • Ability to embed documents, spreadsheets etc, via OLE technology

Reports

  • Departmental reporting
  • Payslip, cheque and BACS list generation
  • P35, P14 and P60 End-of-Year reports
  • P45(1), P45(3) and P46 In-Year reports
  • P11 Deductions Working Sheet
  • P32 employer’s Payment Record, with payment and funding recording and multi-company consolidation
  • This Period and To Date summaries
  • Comprehensive statutory payments, Attachment Orders and pension contribution reports
  • Additional Reporter module available, for the creation of your own reports

Pensions

  • Mixed Pension schemes per company
  • Stakeholder Pensions
  • Fixed amount
  • Percentage of definable figure
  • Group Personal Pension
  • COMP
  • COSR
  • Freestanding AVC
  • Up to three different LEL/UEL criteria
  • Employee diary showing sickness, holidays, maternity and compassionate leave, and training
  • Variable employee working patterns reflected within the diary
  • Accurate days, hours and minutes event recording and analysis
  • Keep records for up to 99 years, including job changes and salary updates
  • Pro-rata holiday entitlement and holiday carry-over

Help

  • Comprehensive, context senstive help

Extended Information Sources

  • Export information to Microsoft products such as Word and Excel
  • Send reports via e-mail
  • Payroll administrator and management reports delivered via e-mail
  • Regularly notify staff of remaining holiday entitlement automatically by e-mail
  • Automatically notify managers of Payroll requirement by e-mail

Home Page, masters financial engineering.#Masters #financial #engineering


#

MEEES

MEEES Intro

The MEEES programme is an Erasmus Mundus Masters Course, that aims to provide higher-level education in the field of Earthquake Engineering and Engineering Seismology. Graduate students involved in this Erasmus Mundus Masters course have the possibility of following a 18-month MSc programmes on either Earthquake Engineering or Engineering Seismology. In addition, the proposed EM Masters course envisages also the possibility of students following a 18-month study programme that leads to the attainment of a Masters degree on Earthquake Engineering and Engineering Seismology.

MEEES Consortium

The MEEES consortium is composed of:

  • School of Advanced Studies IUSS Pavia, Italy

Programme Coordinator (web)

  • University of Grenoble Alpes, France

    Project Partner (web)

  • University of Patras, Greece

    Project Partner (web)

  • Middle East Technical University, Turkey

    Project Partner (web)

  • Universitaet Potsdam, Germany

    Associated Member (web)

  • Electricit de France, France

    Associated Member (web)

  • Institut de Recherche pour le D veloppement, France

    Erasmus Mundus Intro

    The Erasmus Mundus II programme (2009-2013) is a cooperation and mobility programme in the field of higher education that aims to enhance the quality of European higher education and to promote dialogue and understanding between people and cultures through cooperation with Third Countries.

    In addition, it contributes to the development of human resources and the international cooperation capacity of Higher education institutions in Third Countries by increasing mobility between the European Union and these countries.

    The European Commission support for the production of this publication does not constitute endorsement of the contents which reflects the views only of the authors, and the Commission cannot be held responsible for any use which may be made of the information contained therein.

    Information relating to individuals (personal data) is collected and used in accordance with the Regulation (EC) N 45/2001 of the European Parliament and of the Council of 18.12.2000 on the protection of individuals with regard to the processing of personal data by the Community institutions and bodies and on the free movement of such data (OJ L8 of 12.1.2001, p. 1).


  • San Francisco Business Times – Print Media – Financial District – San

    #sf business times

    #

    San Francisco Business Times

    What s really going on in the Bay Area? Most people look to SFGate.com or the Chronicle. In this day and age of instant information, most doubt how much information is available in a weekly local publication. Hands down, this newspaper has the pulse on the business environment of the Bay Area, with a heavy emphasis to San Francisco. Subscribing for over fifteen years, my workplace is a loyal customer to this great information source. Whether reading about what new businesses or projects are in the area to finding out what homes are selling for in the various Bay Area counties, SF Business Times keeps you on top of the area news.
    Whether you are in marketing, real estate, finance, or just nosy about what s going on, there s always some information that makes you say, Gee, that s interesting!
    Also, full props to their customer service staff in sending me missing issues (still not sure if it s my mailman or my coworkers) – likely suspects!). Unlike the other paper, I don t need to run to a newsstand and pay for another copy. Check this periodical out!

    Was this review ?

    Their customer service is deplorable. You cannot speak with a human being, basically ever. I called customer service one morning. No one answered after 9am. And no one ever called me back. Any time I have needed to talk to them it was because they screwed up one of our office s subscriptions. Wish they weren t the only game in town. Uggggh!

    Was this review ?

    As a big fan of information, Knowledge is Power, I was very impressed with the Read to Succeed Seminar I attended at this publication s office. I know the title smacks of a literacy program, but it was actually an informative meeting on how to read the weekly publication to expand on networking and marketing.

    In these uncertain economic times, newspapers and jobs are falling by the wayside. Judd Walsh opened my eyes on ways to utilize many of the great sections to find sales leads, build market intelligence, and prospecting. He gave great tips and suggestions.

    Some of the most valuable info in the SFBT is in the form of The Lists published weekly and then at the end of the year in a large compendium. These Listings cover topics such as Best Places to Work in the Bay Area to The Top Wineries. Event announcements and articles on the different industries are excellent resources.

    I am now going to subscribe to the newspaper. Thanks to Veronica and also the gentleman that gave me a copy of 2009 Zagat Guide.





    Free Financial Advice and Financial Help, free financial portfolio website.#Free #financial #portfolio


    #

    Get Financial Advice and Financial Help

    Free financial portfolio website

    We are here to help you improve your money management skills. That could mean helping you get out of debt, invest, make money, save money, or plan for retirement. With over twenty years of experience in finance, budgeting, financial planning and investment advice, we’ve learned that almost anyone can improve their financial position by following a simple set of rules and by sticking to those rules. Indeed, by taking the financial advice we offer on this site, and by looking closely at your lifestyle choices and personal finances in a new way, the way we describe on this website, you have a significant chance of building wealth, saving money and of succeeding financially. Our site is organized by specific categories so that you can focus on one financial advice topic at a time. We recommend starting with the financial rules of wealth management and then browsing the other topics for help with any other financial topics you desire. We’ve laid out below the goal of our website and a summary of each major topic of advice that we provide.

    Our Goal Is To Give You Personal Financial Help

    Our goal is to teach and explain the fundamental rules of money, wealth and debt management, but more importantly to teach you a new way to look at your spending, saving, investing and debt management decisions so that you can make intelligent, informed and calculated decisions as to how to optimize and manage your money and debt. And remember, it’s your money and you make the decisions. Mismanaging your money is equivalent to throwing it away so if you can learn to make the right decisions and continue to do so for the rest of your life, you should be able to provide financial help for yourself, get out of debt and find financial freedom quicker than anyone else in your situation. Get started by using all of the financial help on our site, which we’ve organized into specific financial categories including the rules of wealth management, household budgeting, ways to save money, investing advice, and financial advice on retirement planning.

    Start By Learning The Rules of Financial Management

    To help you get where you want, we’ve organized the financial advice and knowledge that we’ve learned over the years into a set of guidelines that we refer to as “The Rules of Financial Management”. These rules are a combination of basic financial concepts taught in business school, and real world knowledge that comes from years of financial experience. If you really want to get out of debt and build your long term wealth, then you’ll need to incorporate these wealth management techniques into your everyday routine and into your way of thinking. We recommend you start your path to financial freedom by reading and learning these rules of financial management. Our rules include how to have realistic expectations, live below your means, stay out of credit card debt, keep good credit, understand opportunity costs, effectively use interest compounding, learn the time value of money, take appropriate financial risks, prioritize your investments, diversify your wealth, and find more ways to save money.

    Create Your Household Budget

    The most effective way to get financial help is to really understand your own personal finances. The best way to achieve this is to thoroughly analyze your daily and monthly spending habits and to create a budget. A budget is basically your own income statement and it not only helps you measure and quantify your expenses, but it is also essential in understanding your finances. To that end, we’ve created some free household budget templates and have written instructions on how to collect, analyze, create and improve your household budget. The budgeting process requires a lot of financial discipline and you can expect to get out of it what effort you put into it. Our budgeting section includes help creating your own personal or household budget, a free excel budget worksheet, an online budget template, advice on family budgeting, some tips on managing money and marriage, and a list of income and expense items to include on any household budget.

    Find New Ways to Save Money

    Saving money is a never ending process that takes a lot of creativity and financial discipline. From big monthly expenses to small, everyday items, we’ve got financial advice on how to save money on almost everything. Your quest to improve your finances is an ongoing process that takes years of discipline and creative thinking about ways to lower your expenses use the savings to pay down debt and invest in your future. Start with big ticket items such as your mortgage and insurance, and then find ways to save on everything else. Our section on saving money includes a big list of hundreds of ways to save money, dozens of articles on specific money saving tips, and lots of ideas to help you find more unique and creative ways to save your money. Use our resources to get started and then use the ideas generated to find more ideas that apply directly to your life. The money saving tips cover such specific areas as how to stop wasting money, make more money, and save money on gas, software, clothing, health insurance, cleaning, laundry, landscaping, remodeling, health care, energy, food, tv and kids. We also have some advice on how to make more money and how to teach your kids to save.

    Learn About the Stock Market

    Our financial advice wouldn’t be complete without a look into how the stock market works. The stock market may seem very mysterious if you’ve never really paid attention to it, or if you haven’t learned enough about it to make a few investments of your own, but don’t let the fear of the unknown keep you from using the stock market to make investments that will fuel your savings and build your retirement nest egg. That is why, with a beginning investor in mind, we’ve written several articles and a beginners guide about investing. Once you’ve got your budget in order and have started saving money, you’ll need help learning how to invest that money. Investing in the stock market is something that is really quite easy and with a little bit of research and financial discipline you can start your own portfolio and begin building the wealth that you’ll need to retire. Our investing advice covers how the stock market works, how beginners can learn to invest, unique ways to invest your money, advice on real estate investing, penny stocks, and whether savings bonds are worth it.

    Start Saving and Planning for Your Retirement

    Finally, the end goal of any site offering financial advice is to make sure that you are financially ready for retirement, and hopefully, ready to retire early. We offer lots of help on retirement planning, including financial help on 401k plans, withdrawals during retirement, how to maximize tax benefits, and how to calculate how much money you’ll need to retire early. Our articles are filled with tables that help you calculate your retirement goals, and we offer a free retirement spreadsheet template that you can download and use to help you plan for retirement. Indeed, retirement planning isn’t something that is done when you are 60 years old, retirement planning should be factored in to all of your savings and investment decisions throughout your entire life. If you haven’t started planning for retirement yet, then now is the time to start. Our retirement planning advice covers such areas as the rules of 401ks, 401k withdrawals and early withdrawals, required minimum distributions, life insurance, and how much money you need to retire early which includes a free retirement calculator spreadsheet


    Investment News for financial advisors in New Zealand #business #math

    #investment news

    #

    Investment News

    Auckland-based fund administrator, MMC, has notched up its second KiwiSaver registry client in the space of a month. MMC, which already provides fund accounting and unit pricing services to a range of KiwiSaver schemes, confirmed the rapidly-growing NZ-owned provider Generate as its second registry client last week. Earlier this month MMC revealed the start-up low-cost KiwiSaver provider, Simplicity, as the inaugural client for its newly-launched registry system. The addition of the $275 million Generate scheme represents “an enormous vote of confidence in MMC and our KiwiSaver registry offering”, according to MMC managing director, [Read More. ]

    Recent New Zealand Investment News

    After almost 35 years of intellectual input to New Zealand’s actuarial and investment consulting industry, Mark Weaver, has called it quits. Weaver, the last remaining founding partner still working in the triple-titled consulting firm Melville Jessup Weaver (MJW), will hand in his final regression analysis at the end next month before embarking [Read More. ]

    It would be up to the police to decide whether KiwiSaver schemes, or other NZ investors, are breaking the law by investing in pooled global equity funds that have exposure to cluster munitions manufacturers, according to Commerce Minister Paul Goldsmith. As well as the Cluster Munitions Prohibition Act 2009, NZ investors could face similar [Read More. ]

    The complete set of managed investment scheme (MIS) managers list should tally to about 70, according to the latest figures supplied by the regulator. A spokesperson for the Financial Markets Authority (FMA) told Investment News NZ that 42 managers have already been granted a MIS licence with a further 18 “in various stages of assessment”. The [Read More. ]

    New Zealand Superannuation Fund has carved out NZ$600 million from its NZ$4.9 billion passive global equities mandate with Northern Trust Asset Management for two new factor-based mandates with the same manager. The NZ$30 billion fund, which is seen as a bellwether among super funds in the region because of its transparency and innovative [Read More. ]

    Almost five months after incumbent, Anthony Quirk, announced his imminent resignation, Milford Asset Management has a new head. In a release last week, Milford confirmed Australian Troy Swann would take over Quirk’s role as at October 31 this year with operations chief, Bryce Marsden, continuing as interim chief executive. Quirk officially [Read More. ]

    Macquarie Investment Management has been slapped with a A$400,000 fine after a New South Wales court ruled it had failed in its duties to monitor the now-defunct van Eyk Blueprint International Shares Fund (VBI). In a decision released last Wednesday, the NSW Supreme Court found Macquarie had breached its duties as a responsible entity (or RE – [Read More. ]

    Here’s an irony. Link Group last month held a ‘virtual AGM’ for its NZ share registry client Xero. Just over 80 per cent of shareholders ‘attended’ online. But Link is not allowed to do the same for its Australian clients, nor itself. Xero, the successful cloud-based accounting systems firm from Wellington, NZ, provided a glimpse into the future [Read More. ]

    Michael Thawley, Australia’s former and highly rated ambassador to the US, has re-joined the funds management industry – and his old firm – taking up the role as senior vice president for Capital Strategy Research at the big equities shop Capital Group. Thawley, who started in the job last week, is based in Los Angeles but will be heavily [Read More. ]

    More Investment News





    True North Financial – Accountants, Bookkeepers & Business Advisors, true north financial.#True


    #

    True North Financial, PLLC – Telephone: 231-649-6367 | Fax: 231-709-4850

    True north financial

    True north financial

    Accountants

    Tax Services

    Business Advisors

    True north financial

    Agri-Business

    Navigating the complex accounting world of Agri-Business can be a daunting task. New regulations make operating a farm more and more complicated. Who has time for that? True North Financial can help you navigate your way through the muck, so you can do what you do best – your business.

    Contact us for a free consultation! 231-649-6367

    True north financial

    Construction & Real Estate

    Whether you are involved in commercial real estate, residential home building, site development or property management, True North Financial can assist you.

    Contact us for a free consultation! 231-649-6367

    True north financial

    Retail & Hospitality

    In the retail and hospitality industry, tough economic conditions, razor thin profit margins, and intense competition are constant threats. In order to survive, businesses need an accounting firm to provide them with objective advice and the voice of experience.

    Contact us for a free consultation! 231-649-6367

    True north financial

    Professional Service Firms

    Lawyers, architects, marketing firms, IT professionals, logistics companies, real estate agents, hair salons and doctors all fall into this category. Professional Service Firms offer knowledge based services and intangible products. We assist in developing systems that improve efficiency, minimize client risk and maximize your profits.

    Contact us for a free consultation! 231-649-6367

    True north financial

    Individuals

    Preparing taxes is more than simply putting numbers on a form and pushing print. Understanding your story and the explanation behind the numbers is our starting point when it comes to assisting with your tax planning/compliance needs.

    Contact us for a free consultation! 231-649-6367

    True north financial

    True north financial

    Agri-Business

    True North Financial has responded to the increasing need for specialized services for agricultural businesses and farm producers.


    Easy Solutions – Credit Services #easy #solutions, #credit #repair, #financial, #credit #services,


    #

    Solutions: Credit Services, ID Theft Resolution, Attorney Assistance, Debt Settlement Consulting, Learning Center, FREE Consultation.

    Credit Repair Process

    ARE YOU TIRED OF BEING DENIED DUE TO A BAD CREDIT REPORT?

    If so, you ve come to the right place. We know how challenging it is to resolve today s credit issues, therefore our goal is to ensure satisfaction of every client by being superior in the field of credit repair. Easy Solutions has a proven track record, with a strong portfolio of satisfied clients. and was voted Best Credit Repair Services in Brownsville and McAllen, Texas. Become our next success story. Sign up today!

    Why Choose Easy Solutions for Credit Repair?

    • Free Consultation / No Obligation
    • Low Monthly Payment
    • Great Long-Term Results
    • See Improvements Every 45 Days
    • 100% Money Back Guarantee
    • No Long-term Contracts / Cancel At Anytime
    • Online Portal / Monitor Your Case 24/7

    Easy Solutions Credentials

    At Easy Solutions, we take pride in constantly enhancing our tools, resources, and focusing on further education. We believe this is an important part of our company s professional development, and it demonstrates that we re knowledgeable about the complex concepts and provisions of numerous consumer laws .

    • Award Winning Credit Repair Services
    • Assisted Thousands of Clients
    • Credit Repair Specialists
    • Certified Credit Counselors
    • Certified Debt Specialists
    • Fair Credit Reporting Act Certified
    • Network of Paralegals Attorneys
    • Lending Real Estate Background
    • Registered, Licensed, Insured, Bonded

    What can Easy Solutions help you with?

    We ve successfully assisted thousands of clients, deleted thousands of questionable/erroneous items, and resolved millions of inaccurate debt on credit reports.

    • Collections
    • Charge Offs
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    • And more!

    The Importance of Having Good Credit

    Having good credit is more important than ever. It can save you thousands of dollars on interest, avoid public humiliations, and can help you obtain the following:

    • Home Mortgage
    • Vehicle Financing
    • Employment
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    • Set-up Utilities
    • Personal and Business Loans
    • And much more!

    What is Credit Repair?

    Credit Repair is the process of properly identifying and investigating questionable/inaccurate items with credit bureaus and creditors; and successfully correcting the information on the credit report.

    When questionable/inaccurate items are investigated and they cannot prove the accuracy, timelines, and verifiability of the data, they are severely infracting the Fair Credit Reporting Act . The following are 3 basic principles of the FCRA

    25% of credit reports contain serious errors that could result in the denial of credit, and 79% of credit reports contained errors by U.S Public Interest Research Group.

    • Items reported within the legal time frame,
      7, 10, and 15 years.
    • Be reporting 100% Accurate Information
    • Be reporting 100% Verifiable Information

    At Easy Solutions, we re certified with The Fair Credit Reporting Act , and by utilizing this law in conjunction with other consumer laws. we re able to successfully remove questionable/inaccurate items on credit reports.

    Credit Repair Process

    At Easy Solutions, we take pride in properly educating our clients and being transparent during our credit repair program. The following is a step-by-step guide of our credit repair process.

    Contact us for a Free Consultation / No Obligation

    • One of our friendly Personal Credit Advisor will discuss our programs, process, and fees.

    Once we ve answered your questions and determined that best solution for your financial goals, you can either schedule an appointment at our local offices or simply click on Sign Up fill out the information accordingly.

    After the initial detailed 3-Bureau Credit Report analysis, we will need the following:

    • Signed online agreement required documentation (read below)

    Then, Easy Solutions will create our state-of-the-art and the most advanced client portal on the market for your convenience.

    • Closely monitor your case progress online 24 / 7.

    *Your personal credit advisor will be sending a welcome email and numerous company emails during the duration of our program for your convenience.

    *Your personal credit advisor will constantly communicate with you providing friendly reminders, updates, and answer any questions you may have.

    *Credit Repair Program may take anywhere from 6 to 18 months. It varies per client per credit report.

    Credit Repair Programs

    Our Award Winning Credit Repair Programs are fully compliant under the Federal Trade Commission and the Credit Repair Organization Act, therefore we take pride in charging our clients after we ve initiated submitted cases to the appropriate creditors and credit bureaus challenging questionable and/or inaccurate items.

    • Experienced Certified Credit Advisors and Case Managers
    • Personalized Credit Repair Program To Fit Your Financial Goals
    • Online Portal – Access Your Case Progress 24/7
    • Unlimited Personalized Dispute Letters to All 3 Major Credit Bureaus
    • Unlimited Validation Goodwill Request Letters to Creditors
    • Unlimited Custom Dispute Letters Utilizing Consumer Laws
    • Unlimited Custom Dispute Letters To Consumer Protection Agencies
    • Access To An Array Of Reputable Lenders, Realtors, and Builders.
    • Access to ES Partners Network (personal loans, credit cards, insurance, and much more!)
    • Unlimited 3 Bureau Credit Report Analysis
    • Unlimited Credit Financial Monthly Consulting
    • Employment Credit Compliance Assistance
    • ChexSystems Bank Reports and more!

    *Client s cooperation throughout the process has a significant impact on the overall results.

    *Credit restoration is a joint effort, please use our services responsibly.

    Documentation Required

    For security purposes, the credit bureaus require adequate proof of your identity. These items need to have your current name, current address when appropriate, and not older than 30 days.

    • Identification
    • Two Address Verification
    • Social Security Verification

    Wanting to maximize results with our credit repair service? maybe build credit? or simply looking for a credit card? You came to the right place! Easy Solutions can help you apply for a credit card online. We ve made it easy and fast! Simply review the credit card offers below, click the one that interests you, review the terms and conditions, and apply!

    Credit Cards Categories

    Credit Cards to Build Credit


    UIndy College Admissions Information #admission, #education, #process, #financial, #admissions, #uindy, #counselor, #application,


    #

    Freshmen & Transfer

    Get More Out of College

    With dozens of academic programs, numerous professional organizations and an Honors College. UIndy provides an exceptional education that will set you apart in the competitive global marketplace. Add to that the opportunities for internships and community involvement that come with our location just minutes from downtown Indianapolis, and you’ll find a combination that is second to none.

    Welcome Class of 2021!

    If you’ve been accepted to UIndy, the links below will guide you through your final steps to becoming a Greyhound. In addition to completing a few necessary tasks, we invite you to join an exclusive UIndy community just for admitted students called New Hounds. which allows you to connect with other future Greyhounds, find a roommate, or just make some new friends before you arrive next fall.

    Next steps:

    Affordable UIndy

    Worried about paying for your degree? Attending the University of Indianapolis is more affordable than you think! In fact, 84% of UIndy students receive some form of financial aid. Our admissions and financial staff is here to guide you through the maze of scholarships, grants, loans and other funding options to get you on your way to earning one of the best degree options in the Midwest.

    • It’s easy – The application process is fast, free and secure. Learn more ►
    • Go further, without starting over – Upon acceptance, you’ll receive a credit evaluation showing what credits will transfer.
    • It’s affordable – Qualified transfer students are eligible for academic scholarships up to $11,500!
    • Experience the benefits – Enjoy engaging faculty, small classes, hands-on education and amazing student opportunities.

    If you’re a highly motivated and creative student, check out UIndy’s Honors College. You’ll get to delve deeper into your areas of interest and be challenged with independent study, research under guidance of a faculty member, and leadership and service opportunities.

    While each student’s UIndy experience is unique, we have several traditions on campus that give everyone shared memories. A favorite UIndy tradition is the Midnight Breakfast during finals week. Other traditions include the Celebration of the Flags and a special Thanksgiving dinner.


    Contact us, sheffield financial credit score.#Sheffield #financial #credit #score


    #

    Contact us

    To find out more about the aqua credit card, how to apply for an account or how to manage your existing account, just get in touch.

    By phone

    To report your card lost or stolen call us on:

    For customer enquiries or to make a payment call us on:

    To make a claim on credit card repayment cover call us on:

    To make a claim on Card Care cover call us on:

    To activate your aqua card call us on:

    *This is an automated phone service and does not go through to a customer service representative

    Calls to 0870 850 6850 will be charged at 9p per minute from a BT landline plus your phone company’s access charge.

    Calls may be recorded and monitored for training and security purposes and to help us manage your account.

    By Post

    It’s normally quicker to call and speak with an aqua card advisor on 0333 220 2691, however if you would like to contact us in writing by post, please do so at the following address:

    aqua Customer Services

    Need to make a Complaint?

    We are sorry if you need to make a complaint. Please contact us in one of the ways set out here so we can resolve it as soon as possible.

    Credit only available to over 18s resident in the UK and subject to status. The APR applicable to your account will depend on our assessment of your application.

    Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively and form part of the NewDay group of companies. The registered office for these companies is: 7 Handyside Street, London, N1C 4DA. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority with numbers 690292 and 682417 respectively. NewDay Ltd is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. aqua is a trademark of NewDay Cards Ltd, which is used under licence by NewDay Ltd.


    Big Data for Financial Services: How to Get Return on Investment –


    #

    Big Data for Financial Services: How to Get Return on Investment

    Big data promises to yield substantial returns, but exploiting it in order to see measurable business results can be challenging. For financial companies to prosper, it is vital to understand the implications of the new technologies, and, more importantly, where the source of ROI lies.

    In the financial industry, the incentive to invest in big data is very strong. Given the overwhelming amount of data that companies have to deal with, as well as the need to constantly compete with new business models on the market, it makes sense that the financial sector has been among the first to start experimenting with big data initiatives. Too often, however, companies find themselves frustrated by the difficulty of getting measurable business value out of their big data. By wanting to gain insight from it and overemphasising the importance of their data infrastructure, companies often miss out on how big data can be turned into an actual profit driver.

    This paper explores the topic of big data from a business management perspective, examining how financial companies should approach big data initiatives, the integral role that machine learning plays, and how to exploit these new technologies to see measurable results in your marketing, operations, and risk management.

    To access the white paper, please fill out the form below

    I’d like to receive YDF news and other information

    I hereby give my consent to Yandex to process my personal data in accordance with applicable law, for the purposes and conditions set out in the Privacy Policy.

    Request the full white paper


    The Financial Express – Business News, Industry, Personal Finance, Stock Market News

    #stock market news today

    #

    The Railways need to evaluate whether it should continue to have 125 hospitals, 600 polyclinics and 100 schools directly under its wing, he said.

    Outgoing RBI Governor Raghuram Rajan today rejected the idea of the government taking a special dividend from the central bank for recapitalisation of public sector lenders, saying there is no free lunch .

    India and Vietnam today called for a reform of the UN and an expansion of the Security Council in both the permanent and non-permanent categories of membership, with enhanced representation from developing countries.

    Country s largest two-wheeler maker Hero MotoCorp plans to launch 15 new products in domestic as well as international markets this fiscal, a top company official said today.

    Find the Jeep pricing absurd? Here s the reason and why it isn t necessarily bad

    New Jaguar sets record as fastest selling car for Tata Jaguar Land Rover

    Stable regulatory framework important for investment in auto sector

    The system, which would utilise the same machine learning technology used in Microsoft s artificial intelligence (AI) assistant Cortana, is designed to have a long lifecycle.

    Samsung announces swap for Galaxy Note 7 with Galaxy S7 variants

    Xiaomi Mi Max: Phablet with long-lasting battery for heavy users

    From UrbanClap to OTJ247, take to tech to slay the chores and really enjoy the festive season

    Odisha Chief Minister Naveen Patnaik today launched the Biju Kanya Ratna Yojana (BKRY) and inaugurated 1,000 anganwadi buildings here as part of the celebration marking birth centenary of legendary Biju Patnaik.

    The extraordinary life of Mother Teresa, who worked relentlessly for the upliftment of the destitute and who will be declared a saint by the Roman Catholic Church, must be brought alive on the silver screen, says India s acclaimed veteran filmmaker Shyam Benegal.





    Role of a financial planner #role #of #a #financial #planner


    #

    We Believe in a Team Approach

    How YOU Can Pursue Your Goals

    Your Financial Freedom Begins Here

    John Knowlton

    John has been an investor since age 11 (he bought a CD with lawn mowing earnings) and owned Stock and precious metals before graduating from High School. Since becoming a professional financial planner in 1998 he has established his reputation as an innovative out of the box thinker. As a thought leader in the industry he has had articles published in numerous publications including Journal of Financial Services Professionals. Financial Planning. Financial Advisor. Registered Rep. and Wealth Management.com. John is regularly invited to present to peers around the country and has been invited to advise top executives of two of the nation s largest broker-dealers.

    One of his key contributions is the concept of Beer and Peanuts. This conceptual framework helps individuals in or nearing retirement live engaged, meaningful lives. John helps retirees identify ways to maintain purpose meaning and social contact after they stop going to work every day. He has identified a cyclical approach to retirement involving leisure and travel, volunteering, and part time work which helps retirees find more satisfaction than the traditional linear lifestyle.

    John has helped clients from some of the nation s largest firms as well as business owners and executives. John typically serves clients with investable assets of greater than $250,000.

    A man of deep convictions, John is also an Associate Pastor at Stones Church in Kalamazoo, Michigan where he is responsible for pastoral care for families in Kalamazoo and Portage. He and his wife, Julie, have 4 children and enjoy bicycling and travel.

    Credentials:

    Education
    Bachelor of Science, Central Michigan University, Mt. Pleasant, Michigan
    Earth Science Major
    Political Science Minor

    Attended Garrett-Evangelical Theological Seminary, Evanston, Illinois

    Designations
    Chartered Retirement Planning Counselor earned designation
    CERTIFIED FINANCIAL PLANNER TM earned designation

    Dennis Kehoe

    Dennis began his career in the industry in 2004 with American Express Financial Advisors. After establishing a successful financial planning practice he teamed up with his now partner, John Knowlton, and soon thereafter formed Oak Point Wealth Management. Saving and investing has always been an important part of Dennis landscape. He began saving his snow shoveling and lawn mowing income as a teenager which eventually transitioned into buying US Government Bonds. By age 25, he and his wife had hired a financial advisor and began investing into Roth IRA s, mutual funds and 401(k) s at work. As an advisor firmly committed to the retirement income needs and dreams of his clients, Dennis is a practicing Chartered Retirement Planning Counselor, CRPC professional. This exemplifies his thorough understanding of the dynamics of retirement planning and the in-depth process. He has the ability to tackle complex retirement planning concepts with a personal touch and straight forward manner. As a former engineer and coach for youth football and baseball teams, he honed his mentoring skills and deploys a superb ability to listen deeply to his clients needs and aspirations and construct a customized approach and strategy to work towards their dreams. During his many years as a financial planner he has helped business owners, employees and retirees from some of West Michigan s largest and most respected firms. Dennis specializes in complex financial situations and typically serves clients with investable assets of $250,000 or more.

    Dennis is a lifelong resident of Southwest Michigan where he attended Portage Central High School and studied at Kalamazoo College. He and his wife Holly have been married for 20+ years and are raising two amazing young men. Their oldest, Devon, has intentions to study business and Darren is leaning toward the medical industry. Dennis is deeply committed to his family and community and is proud to call himself a Midwesterner. He and his family take full advantage of the traditional four seasons that Michigan has to offer by spending their Winter s skiing; their Summer s grilling, fishing and golfing; and their off seasons enjoying Michigan s many craft breweries. Dennis is also a devote member of Crossfit AZO and never misses an opportunity, even when traveling to gain the benefits of a Crossfit Workout.

    Credentials:

    Education
    Associates Degree in Applied Science, Lake Michigan College, Benton Harbor, MI
    Attended Kalamazoo College, Kalamazoo, MI

    Designations
    Chartered Retirement Planning Counselor earned designation

    Don Davis

    Wealth Advisor

    Chartered Retirement Planning Counselor®

    Don Davis

    Don Davis has been in the financial services industry since 2001. His professional experience includes eight years as a branch manager writing residential mortgages which serves as a foundation for his work as a financial advisor.

    Attention to detail, good listening skills and great empathy are qualities clients appreciate about working with Don. He is effectively supported by the Oak Point administrative and investment products specialists whose teamwork and professionalism help him build long-term relationships with his growing client base and provide excellent customer service.

    Don has been happily married to his wife Jackie for more than 30 years and has two grown children. Away from the business, he enjoys watching the Red Wings, traveling, and spending time with family and friends.

    Designations:
    Chartered Retirement Planning Counselor earned designation

    Registrations:
    Series 65: Uniform Investment Adviser Law, held with Oak Point Wealth Management
    Life, Accident, Health, and Variable Annuities Licenses

    Jordan Goodwin

    Jordan Goodwin is no stranger to the financial industry or to West Michigan. She is a Western Michigan University, Bronco Alumni #Rowtheboat earning a Bachelor s Degree in Business and Administration with a Major in Finance. Jordan began her journey with Oak Point in March of 2015 and in just a short amount of time she has advanced from Administrative Assistant to OP-360 Platform Manager. As Executive Relationship Platform Manager one of her main focuses is to manage investment strategies and to work closely alongside our financial advisors. She is an expert with our investment platform and routine operations that assist Oak Point to run efficiently.

    When not working, you will typically find her outdoors seeking the next thrill, embarking a new challenge or exploring new cultural experiences by traveling abroad. Jordan currently resides in Marshall where she enjoys spending time with her family, friends and 7 year old pup Luna. Giving back to her community is a top priority for Jordan, as she has volunteered many times for Relay for Life and The Dream Center.

    As Jordan helps other to fulfill their dreams, she is living hers out as she has an impact in the financial industry and building many lasting relationships along the way. She has a wealth of knowledge and experience combined with her efficiency, friendliness and can do attitude this is just a glimpse of what Jordan brings to the OP360 experience.


    Investment News for financial advisors in New Zealand #business #consulting

    #investment news

    #

    Investment News

    Auckland-based fund administrator, MMC, has notched up its second KiwiSaver registry client in the space of a month. MMC, which already provides fund accounting and unit pricing services to a range of KiwiSaver schemes, confirmed the rapidly-growing NZ-owned provider Generate as its second registry client last week. Earlier this month MMC revealed the start-up low-cost KiwiSaver provider, Simplicity, as the inaugural client for its newly-launched registry system. The addition of the $275 million Generate scheme represents “an enormous vote of confidence in MMC and our KiwiSaver registry offering”, according to MMC managing director, [Read More. ]

    Recent New Zealand Investment News

    After almost 35 years of intellectual input to New Zealand’s actuarial and investment consulting industry, Mark Weaver, has called it quits. Weaver, the last remaining founding partner still working in the triple-titled consulting firm Melville Jessup Weaver (MJW), will hand in his final regression analysis at the end next month before embarking [Read More. ]

    It would be up to the police to decide whether KiwiSaver schemes, or other NZ investors, are breaking the law by investing in pooled global equity funds that have exposure to cluster munitions manufacturers, according to Commerce Minister Paul Goldsmith. As well as the Cluster Munitions Prohibition Act 2009, NZ investors could face similar [Read More. ]

    The complete set of managed investment scheme (MIS) managers list should tally to about 70, according to the latest figures supplied by the regulator. A spokesperson for the Financial Markets Authority (FMA) told Investment News NZ that 42 managers have already been granted a MIS licence with a further 18 “in various stages of assessment”. The [Read More. ]

    New Zealand Superannuation Fund has carved out NZ$600 million from its NZ$4.9 billion passive global equities mandate with Northern Trust Asset Management for two new factor-based mandates with the same manager. The NZ$30 billion fund, which is seen as a bellwether among super funds in the region because of its transparency and innovative [Read More. ]

    Almost five months after incumbent, Anthony Quirk, announced his imminent resignation, Milford Asset Management has a new head. In a release last week, Milford confirmed Australian Troy Swann would take over Quirk’s role as at October 31 this year with operations chief, Bryce Marsden, continuing as interim chief executive. Quirk officially [Read More. ]

    Macquarie Investment Management has been slapped with a A$400,000 fine after a New South Wales court ruled it had failed in its duties to monitor the now-defunct van Eyk Blueprint International Shares Fund (VBI). In a decision released last Wednesday, the NSW Supreme Court found Macquarie had breached its duties as a responsible entity (or RE – [Read More. ]

    Here’s an irony. Link Group last month held a ‘virtual AGM’ for its NZ share registry client Xero. Just over 80 per cent of shareholders ‘attended’ online. But Link is not allowed to do the same for its Australian clients, nor itself. Xero, the successful cloud-based accounting systems firm from Wellington, NZ, provided a glimpse into the future [Read More. ]

    Michael Thawley, Australia’s former and highly rated ambassador to the US, has re-joined the funds management industry – and his old firm – taking up the role as senior vice president for Capital Strategy Research at the big equities shop Capital Group. Thawley, who started in the job last week, is based in Los Angeles but will be heavily [Read More. ]

    More Investment News





    Community College of Vermont – Acalog ACMS™ #community #college #of #vermont, #ccv,


    #

    Catalog 2014-2015

    Welcome

    CCV offers associate degree programs leading to Associate of Arts (A.A.), Associate of Science (A.S.) and Associate of Applied Science (A.A.S.). We also offer certificates . Our degree and certificate programs provide the knowledge you need for employment or further study at the bachelor s level.

    Whatever your interests and goals, we ll have a program to match it you choose the path.

    You don t have to enroll in a degree program to join CCV s learning community. As a Continuing Education student at CCV, you can choose from hundreds of courses offered in your local CCV community and online to sharpen your skills or explore subjects of interest.

    How to use this catalog:

    Use the left-hand menu to find the topic you are interested in, or use the search box at the top left to do a catalog-specific search .

    Associate Degrees provides an overview of all CCV degree offerings. From here you can also drill down into a program of your choice to review program goals and requirements, occupational outlook, etc.

    Planning Your Associate Degree gives you a general overview of completion requirements for an associate degree, and provides an example of a typical course sequence.

    Certificates provides a listing of available certificates.

    Courses lets you search all courses, or browse through an alphabetical list.

    My Favorites allows you to save programs and courses of interest.

    Save Catalog InfoIn My Favorites

    Record and track your favorite degrees, certificates, and courses. Click on the My Favorites link on the left hand navigation, create an account with an email address and a password of your choice, and then start adding information while browsing the catalog.

    While you browse the catalog, you will see an Add to Portfolio link. Click on the link to save the item in your portfolio. It s that easy!

    Return later and start where you left off. You can also share your saved items with your friends, family, faculty and advisors.

    2007 – 2013 Catalogs:

    Select Catalog 2013-2014 [Archived] from the drop-down menu at the top of this page.

    Select Catalog 2012-2013 [Archived] from the drop-down menu at the top of this page.

    Previous versions as PDF:

    Archived Special Programs
    Health Information Technology (PDF)

    The CCV Catalog is for informational purposes only and does not constitute a contract. While every effort is made to ensure the accuracy of the information provided, CCV reserves the right to make changes at any time without prior notice. Changes may occur in all areas, including course offerings, faculty, schedules, degree requirements, policies, fees, and related matters. It is the student s responsibility to determine if any changes have been made in the Catalog. The Schedule. which describes course offerings, locations and schedules for all CCV academic centers, is published each semester and is available at all CCV offices.


    What Does – In Good Hands – Really Mean? #fudiciary,financial #advice


    #

    What Does “In Good Hands” Really Mean?

    Ethel Sprouse has a difficult life. She is a baby boomer from Cedar Bluff, Ala. Her husband has Alzheimer’s disease. Her adult daughter is mentally disabled and lives in a group home. She needed a trusted financial advisory badly.

    She turned to a registered representative of Allstate Financial. In 2007, she transferred all her life savings to Allstate. According to a recent report from the Public Investors Arbitration Bar Association, her nest egg was invested in a non-diversified portfolio of stocks. Mr. and Mrs. Sprouse lost approximately $400,000.

    They sued Allstate in arbitration, and the case is currently pending. All of the Sprouses’ allegations need to be established at a hearing. Allstate has denied these allegations and is contesting them. Mutual Service Corp. and LPL Financial, which at various times also managed the Sprouses’ money, are named in the suit as well.

    Allstate’s iconic slogan, “You’re In Good Hands,” is one of the most recognizable in America. It’s in the advertising Hall of Fame and is supported by massive advertising to reinforce its message.

    What does that slogan mean to you? When it comes to financial advice, do you believe it conveys the impression that Allstate will put your interests ahead of its own? Otherwise, you might not be in “good hands.” Rather, you would be in the “hands” of a company that could take action not solely in your best interest.

    An exhibit attached to the report sets forth Allstate’s legal position. It’s sobering.

    It derides the allegations against it as “nonspecific and baseless.”

    It disputes the amount of the losses claimed by Mrs. Sprouse and her afflicted husband.

    It argues that some of the losses were incurred when their Allstate representative left and joined another firm. The Sprouses’ account was also transferred to the new firm.

    It denies any investments were unsuitable.

    As indicated, these issues are contested and will have to be resolved at a hearing. However, Allstate also asserted the following:

    “Thus, any claim by Claimants based on a supposed breach of fiduciary duty fails as a matter of law. Investment advice provided incidental to and in connection with a non-discretionary account does not establish a fiduciary duty. As such, [Allstate Financial] owed no fiduciary duty to Claimants, and, therefore, no such duty was breached.”

    According to Allstate, being “in good hands” doesn’t mean the company has an obligation to operate at a standard that places the interests of its clients above its own. And the Public Investors Arbitration Bar Association report concludes Allstate Financial is just one of many brokerage firms advertising like they offer non-conflicted and trustworthy advice that puts the investor first, but then deny any such duty when they’re called to account for their actions.

    A fiduciary has a legal obligation to recommend products that are in your best interest. A broker who is not a fiduciary can recommend an investment product (like a proprietary mutual fund) that is merely “suitable,” even though he is aware of better, less-expensive funds.

    If you really want to be “in good hands,” you should only entrust your hard-earned money to a fiduciary. Be sure to get it in writing!

    The views of the author are his alone and may not represent the views of his affiliated firms. Any data, information and content on this blog is for information purposes only and should not be construed as an offer of advisory services.

    From Our Partners


    Financial Aid – Coastline Community College #financial #aid #for #online #classes


    #

    Financial Aid

    Financial Aid Office

    Coastline Community College – Financial Aid
    11460 Warner Ave
    Fountain Valley, CA 92708

    Financial Aid Office Hours

    The Financial Aid Office is open Monday thru Thursday 8am-5pm and Friday 8am-12pm.

    Welcome

    Welcome to the Financial Aid Office web site. The Financial Aid Office staff are here to assist you with questions regarding the student financial aid process. We encourage you to apply for financial aid and use this website to navigate the various resources available to you as a current or prospective student at Coastline Community College.

    To apply for financial aid, (or the fee waiver), you would need to complete the 2016-2017 FAFSA and list our school code.

    FYI for Students, Counselors, and family members: INDIVIDUALS WHO ARE INCARCERATED (either in a youth facility or adult prison), OR who are subject to an INVOLUNTARY CIVIL COMMITTMENT upon completion of a period of incarceration for a forcible or non-forcible sexual offense are NOT ELIGIBLE for ANY direct Federal financial aid funds, such as the Pell grant. These students may receive ONLY the State fee waiver. All other costs are the sole responsibility of each student.

    Military Students Dependents

    Coastline accepts MyCAA Financial Vouchers, Military Tuition Assistance (T.A), and all forms of the GI Bill . Receiving Tuition Assistance, MyCAA, or GI Bill benefits does not preclude a student from receiving Federal Financial Aid. However, T.A. MyCAA Financial Vouchers, and GI Bills are not processed through the Financial Aid Office.

    Authorized T.A. or MyCAA Financial Vouchers should be submitted as follows:

    For Traditional Coastline classes:

    T.A./MyCAA Financial Vouchers should be faxed to the Admissions and Records office at (714) 241-6288.

    T.A./MyCAA Financial Vouchers should be submitted to the Military/Corporate Programs’ Registration Office (ph: 714-241-6165) as follows:

    GI Bill recipients must follow the instructions outlined at the Veterans Services page. As a reminder, GI Bill recipients are required to verify their enrollment every semester with a CCC Veteran’s Certifying Official.

    Net Price Calculator

    The net price calculator is a tool for students and parents to use to get an estimate of what it may cost to attend Coastline Community College each year. The “net price” (cost of attendance minus grants and scholarships) is the amount students and/or their families will have to cover with work, savings, and/or loans.

    Financial Aid TV (FATV)

    Hey students! Do you have questions about your financial aid? Well, it just became easier to get answers with our easy-to-use financial aid videos.

    Our videos are extremely user-friendly with easy search functions that allow you to find video answers through categories or by typing a unique search. The videos are short and concise, while still providing you with all the information you need to know about the financial aid process. Watch the videos easily on any device, whether it’s your computer, tablet or phone!

    ECMC Solutions – Student Loan Repayment Resouces

    We’ve teamed up with Solutions at ECMC to answer all of your student loan repayment questions. Solutions is a service of the non-profit organization ECMC and is dedicated to helping students manage educational loans. Their resources are available to you free of charge. To contact a Solutions Student Loan Repayment Advisor, email or web chat. www.ecmcsolutions.org. or call them at Call ECMC Solutions at 1-877-331-3262 .


    Unsecured Personal Loans Gather Momentum As Expands Its Portfolio To Cut #personal-loans.com


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    Unsecured Personal Loans Gather Momentum As Personal-Loans.com Expands Its Portfolio To Cut Interest Rates

    NEW YORK. Feb. 28, 2013 /PRNewswire-iReach/ — Unsecured personal loans are making a dramatic turnaround due to key strategic initiatives launched by Personal-Loans.com. The company launched a three-pronged strategy to cut interest rates dramatically and give a much-needed push to the personal loans marketplace.

    In an official statement to the press, Personal-Loans.com made the following announcement:

    We have leveraged three critical strategies to help consumers save money on unsecured personal loans. First, we expanded our portfolio of lenders and our overall reach within the lender marketplace; second, our company completely revised our technological infrastructure to facilitate the matching process; finally, a strong team of experts have worked very hard to strengthen our lender relationships and negotiate the best offerings possible. The combined effect of these strategies is a powerful portfolio of banks, lenders, and other financial institutions that works collectively to drive down the overall cost of applying for an unsecured personal loan. Cumulatively, we have saved millions of dollars for our customers.

    Adrianna, who recently applied for a short term personal loan through Personal-Loans.com was rather surprised to see the dramatic difference in interest rates between Personal-Loans.com and her local lender. In her own words: I was completely bowled over by the difference. A low interest rate can make all the difference in my decision-making process. Why would I ever go back to my local lender when I can get a much better offer in just thirty seconds? Isn’t competition the most fundamental principle of capitalism?

    Relationships make all the difference in this market. When a lender knows that it can easily obtain a much larger volume of customers from us, they wouldn’t mind passing on the savings in marketing expenses to our customers. It is a win-win for all parties. It is no wonder, we enjoy nearly 70% to 80% referral rates. That’s pretty high in our industry, says Roger Render. CEO of Personal-Loans.com.

    Since we revised our portfolio, we have witnessed a significant momentum in new loan applications in comparison to last year. I strongly believe that customers are appreciating our offerings and are very excited to finally be able to secure low interest personal loans , adds Render.

    Personal-Loans.com is a free site where consumers can fill out short, thirty-second unsecured personal loan application and receive free quotes from a large network of lenders. The company utilizes a wide array of platforms and algorithms to quickly connect customers with banks and lenders who specialize in offering loans to individuals and businesses with different credit profiles, including those with credit issues.

    Over the past fifteen years, the company has assisted thousands of individuals obtain low interest personal loans. In addition to its offerings, a dedicated team of loan experts offers 24/7 support to customers requiring assistance either with filling out the application or with loan-related questions and issues.

    SOURCE Personal-Loans.com Ltd


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


    #

    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


    Fresno Dental Patient Financing Dentist – Friendly, Skilled Dental Payment Plan Advice


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    Our goal is to maximize your insurance benefits and make any remaining balance easily affordable. If you have any questions regarding your insurance benefits, please don’t hesitate to call our office at (855) 421-9712 to review your concerns.

    Our fees are based on the quality of the materials we use and our experience in performing your needed treatment.

    If you would like to review these financial arrangement options with one of our team members in advance of treatment, please call (855) 421-9712.

    If you have dental insurance, please call our office at (559) 441-7700 to verify your specific coverage.

    Delta Dental Plans Association is a not-for-profit organization with some for-profit affiliates as member companies. Through its 39 independent member companies, it offers national dental coverage to our Fresno dental patients – administering programs and reporting systems that provide employees and individuals with quality, cost-effective dental benefits and superior customer service.

    More Dental Resources


    Financial Advisor – Career Rankings, Salary, Reviews and Advice #business #data

    #business careers

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    Financial Advisor Overview

    Overview

    It’s an exciting time to be a financial advisor, since several decades ago, the position didn’t really exist. You were either a stockbroker or a community banker or even in insurance sales, according to James Kinney, a certified financial planner and founder of the New Jersey-based Financial Pathways. Now, however, financial advisors perform all these roles, from small independent practices to big investment firms.

    “As a larger portion of the industry shifts away from the banks, brokers and insurance companies, additional opportunities have opened,” writes Eric Schaefer of the Virginia-based wealth management, investment and financial planning firm Savant Capitalin an email. “As this transition takes place, many advisors have gone independent or created ensemble relationships in new businesses. These new businesses need young, energetic and driven professionals to leverage the time of senior advisors and provide for the future continuity of the business.”

    Put simply, financial advisors meet with clients and counsel them on their finances. This could mean sitting down and creating budgets to firming up retirement plans to giving advice about investing. Financial advisors can also invest a client’s funds and meet with him or her regularly to discuss their investments. Some are also licensed to sell insurance. Many times, financial advisors help plan a safe, comfortable future for their clients, but they’re also called upon when the unexpected occurs –perhaps an aging parent suddenly requires a live-in nurse, a couple plans on divorcing or a child needs to transfer to an expensive private school. Financial advisors may step in and make sense of these fiscal troubles and create a plan for moving forward. For that reason, Schaefer explains, “Good financial advisors and good teachers tend to have a lot of traits in common.” He points out that advisors must be able to listen to their clients; explain complex ideas in easy-to-understand ways; and be able to sympathize with their clients.

    This is expected to be one of the faster-growing occupations over the next decade, with a projected growth rate of 30 percent through 2024, according to the Labor Department. That’s an additional 73,900 new positions on top of the 249,400 jobs financial advisors held in 2014. The retirement of baby boomers in need of financial planning advice is one driver of the expected growth. Still, employment may be tempered by the increasing number of online advisory tools, which may divert clients from seeking financial advice in person.

    Quick Stats

    $81,060 Median Salary

    3.3% Unemployment Rate

    73,900 Number of Jobs

    Salary

    The median annual salary for financial advisors was $81,060 in 2014, with the lowest-paid earning less than $35,500 and the highest-paid earning more than $187,199. On top of their salaries, many advisors also earn substantial bonuses. The best-paid financial advisors live in the metropolitan areas of Danbury, Connecticut; Panama City, Florida; and Great Falls, Montana.

    75th Percentile. $139,350

    25th Percentile. $52,590

    How much do Financial Advisors make in your city?

    See current salary offers for jobs in this field

    Training

    To be a financial advisor, you need financial expertise and a desire to help people. A bachelor’s degree is typically a good starting place, but you can choose a broad range of degrees – from finance to business to something entirely different. Increasingly, universities have begun offering financial planning degrees, too.

    However, Schaefer says, “My colleagues and I agree that 80 percent of our job is psychology, and only 20 percent is financial. I know successful owners of financial advisory firms that specifically recruit psychology majors for this reason. Though a business or economics degree will better prepare a professional to take industry exams or explain financial products, the ability to understand the core concerns and goals of a client or prospective client is much more valuable.”

    The Certified Financial Planner exam is required to become a CFP –a distinction that looks good to employers. You can also acquire other designations if you want to specialize in a certain area of financial planning. For instance, you can complete the necessary coursework and exam to acquire the Chartered Retirement Plans Specialist, or CRPS, designation. And if you plan on buying or selling stocks or selling insurance, you’ll need to procure state-specific licenses.

    Job Satisfaction

    Average Americans work well into their 60s, so workers might as well have a job that’s enjoyable and a career that’s fulfilling. A job with a low stress level, good work-life balance and solid prospects to improve, get promoted and earn a higher salary would make many employees happy. Here’s how this job’s satisfaction is rated in terms of upward mobility, stress level and flexibility.

    Upward Mobility. Above Average
    Opportunities for advancements and salary

    Stress Level. Above Average
    Work environment and complexities of the job s responsibilities

    Flexibility. Average
    Alternative working schedule and work life balance

    Similar Jobs





    A University for the Military, Veterans, and Families #military #spouse #financial #aid


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    UMUC for Military Servicemembers, Veterans, and Families

    University of Maryland University College offers award-winning academic programs and services for active-duty military servicemembers, veterans, and military spouses and families.

    • Study wherever service takes you: UMUC offers classes online or in a hybrid format.
    • Navigate your benefits: Our staff specializes in helping military and veteran students get started with education benefits .
    • Fast-track your degree: Earn credit for military experience and training .
    • Save money: UMUC offers reduced tuition rates for the military, and Tuition Assistance covers up to 100 percent of undergraduate tuition.

    UMUC is a state university with a rich history of educating the armed forces that dates back to World War II. Today, we offer classes and student services at 140+ worldwide locations and online .

    No college can match our experience and dedication in educating active-duty troops, reservists, members of the National Guard, veterans, and military family members.

    We understand the military and the challenges of transitioning to civilian life. Our dedicated admissions counselors, experienced military leadership, and military-trusted faculty are here to serve you.

    Learn More About UMUC for the Military Community

    See some of our popular programs for servicemembers.

    Learn about our multiple start dates and rolling admission.

    See why UMUC is a top choice for military servicemembers.

    UMUC’s Veterans Resource Center is your one-stop source for assistance.

    The discount for Federal employees and their spouses and eligible dependents will be applied to out-of-state tuition and specialty graduate programs. It does not apply to doctoral programs. This discount cannot be combined with the Completion Scholarship for Maryland community college students or the Pennsylvania Completion Scholarship.

    Undergraduate and standard graduate program tuition for students who meet the criteria for Maryland residency will be the applicable in-state rate. Tuition for active-duty military ; members of the Selected Reserves, National Guard, and the Commissioned Corps of the U.S. Public Health Service and National Oceanic and Atmospheric Administration; and the spouses and dependents of these student groups will be the applicable military or specialty rate. If you are a student using Post 9/11 benefits, please contact an advisor at 800-939-UMUC to determine if you can apply both benefits.

    View important information about the education debt, earnings, and completion rates of students enrolled in certificate programs.

    All students are required to pay tuition for all courses in which they are enrolled. Tuition rates are subject to the approval of the University System of Maryland Board of Regents. They may be changed, or other charges may be included, as a result of the Board of Regents decisions. Notwithstanding any other provision of this or any other university publication, the university reserves the right to make changes in tuition, fees and other charges at any time such changes are deemed necessary by the university and the USM Board of Regents.

    The Board of Regents has authorized the university to charge a student’s delinquent account for all collection costs incurred by the university. The normal collection fee is 17 percent plus attorney and/or court costs. The service charge for a dishonored check is $30. Requests for services (for example, transcripts, diplomas, registration) will be denied until all debts are paid.

    Please see the USM residency policy for specific details about residency requirements.

    Financial aid and tuition remission for University System of Maryland employees cannot be applied to noncredit courses. Golden ID benefits may not be applied to fees, noncredit courses, specialty graduate programs, or doctoral programs. Regular tuition rates apply for cooperative education, course challenge examinations, and EXCEL 301.

    GI Bill is a registered trademark of the U.S. Department of Veterans Affairs. More information about education benefits offered by VA is available on the U.S. government GI Bill website .

    The UCSP 615 requirement may be waived if you previously earned a graduate degree from a regionally accredited institution. For more information, contact your academic advisor.


    Homepage – Invoice Factoring by CJM Financial #financial #factoring


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    Family Owned Since 1993

    We started out small, maybe like you, as a family-owned company in 1993. Since that first day in the basement of our home, we have continued with our long-term commitment to customer satistaction success to help our business grow, prosper, and continue as a multi-generational enterprise. Dreams like this can be yours too. Start factoring today and become a partner with CJM Financial so that your business can become just as successful!

    Why Factor? Why CJM?

    • Fast Cash/Free Same-Day Funding
    • Increase Working Capital
    • Saves Time
    • Big company benefits while maintaining CJM’s family-owned values of honesty, experience, and superior customer service.
    • CJM aims to protect your business from delayed funding and bad debtors.

    Immediate Long-Term Benefits

    Let us be your First in Factoring to provide immediate cash flow so that you can enjoy the future growth and success of your company.

    You provide the invoice and we collect so you can continue to work on your business right away. Credit checks and quick availability to an account manager are the perfect partnership to protect your business. Click here to partner today.


    Now Is a Good Time to Buy Tech Stocks, Says Top Analyst


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    Now Is a Good Time to Buy Tech Stocks, Says Top Analyst

    The tech sector has had a bumpy ride since June 9 when the stocks took a dip as investors worried about the year’s steep rise in mega-cap names such as Apple (AAPL ) and Alphabet (GOOGL ).

    But Loup Ventures founder and famed Apple analyst Gene Munster told TheStreet on Monday afternoon that it’s just a normal pullback in the tech sector, rather than a correction. “It’s a natural pullback given the outperformance of FAANG year-to-date,” he said, referring to tech leaders Facebook (FB ). Apple, Amazon (AMZN ). Netflix (NFLX ) and Alphabet (GOOGL ). “It’s natural, healthy profit-taking.” Indeed, tech stocks rebounded about 1.5% by Monday’s close, although they were trading flat to slightly down on Tuesday.

    Some investors are jumping on the tech train on this unexpected dip and Munster said that’s a good strategy if you’re thinking long term. “Tech stocks could be bumpy in the next month or two,” he warned. “But longer term, yes, this is a good chance to buy.”

    Munster said that Tesla (TSLA ) is his favorite pick for tech stocks that have the best long term potential. The electric car company could become the next Amazon (AMZN ). Munster recently said on CNBC. “Tesla is a controversial story,” he said. “People don’t understand what this company’s mission statement is.”

    People see it as just an electric car company, just like Amazon was once seen as a company that just sold books, Munster said in the interview. However, Tesla has a much broader goal to advance the worldwide adoption of renewable energy. “When you start thinking about that, you can see them grabbing market cap from energy companies which are some of the largest market-cap companies,” he explained.

    Tesla was trading up 1.22% to $374.20 in late morning trading on Tuesday after Bloomberg reported late Monday that Tesla may open a new production facility in China, a move that would help it avoid tariffs. The company made headlines earlier in June when CEO Elon Musk pulled out of two of President Donald Trump’s advisory councils after Trump pulled out of the Paris accord on climate change.

    Am departing presidential councils. Climate change is real. Leaving Paris is not good for America or the world.

    While the tech sector saw a bit of a recovery on Monday, it’s not in the clear yet. Apple is trading down slightly to $145.20 in early afternoon trading on Tuesday, and Netflix (NFLX ) is trading down about 1% to $151.92. The rest of the FAANG members, including Facebook, Amazon and Google were all trading flat to slightly down.

    Apple, Alphabet and Facebook are holdings in Jim Cramer’s Action Alerts PLUS Charitable Trust Portfolio. Want to be alerted before Cramer buys or sells AAPL, GOOGL, FB?Learn more now.

    Read More Trending Articles:


    Find a Financial Advisor #find #financial #advisors


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    The best place to find a financial advisor

    The best place to find a financial advisor

    Impressed with GuideVine Concierge Service!

    I read about GuideVine in a magazine article, so thought I would try it since my boyfriend and I were doing planning for his upcoming retirement.

    I found the site very easy to navigate, and after doing a search, was presented with a list of potential planners who might fit our needs. I was impressed with the number of planners presented as possibilities. The site allowed me to easily send a message to one we felt who would be most appropriate.

    But this planner contacted GuideVine saying he was not the best choice for our needs. After that, Ana, a Concierge at GuideVine sent me a message giving other planner suggestions. We ended up choosing Brian Kuhn from her list, who was a perfect fit for our needs.

    I was so impressed that the GuideVine Concierge came into the picture after the first planner we contacted did not end up being the right person. We were not just left hanging in the air. And we did not even request help from the Concierge- it was just volunteered. This extra touch is what made our GuideVine experience so successful.”

    Sandra Salveter

    GuideVine Was so Easy and Seamless!

    I have a family — me, my husband, and 2 kids (6 years, less than a year). We relocated from NYC to Pittsburgh about 2 years ago. We had an advisor in NYC, but when we moved we wanted to find someone local.

    There were new factors to think about independently, mainly with retirement and planning for college. In general, especially with young kids we realized we wanted to get our stuff together.

    The person we’re working with now, Mike Spieler (an advisor listed on GuideVine), already worked with family. I told my family we were looking and found out they were working with him and liked their recommendation. I liked knowing that my parents and sister already work with him, because I trust them.

    Before contacting Mike, it was a lot of word of mouth. I didn’t do any other online searches. There was an advisor in Pittsburgh, but he left the area. There was another advisor, but he was not the right fit.

    I liked that the [GuideVine] user interface was pretty easy and seamless. You could submit your request, all the things you’re looking for. I liked that you could put the time of day! I like the way info was presented, you could immediately reach out. GuideVine is also nice because you can target where you live.

    Having now had the experience with GuideVine, if I had friends looking for a financial advisor, I would direct them to the site.

    Other pieces to the site are very useful. I would recommend and I will recommend GuideVine to folks.”

    Kristen D.

    November 11, 2016


    Long Island Banks – Financial Institutions – Bank Locations in Nassau –


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    Long Island Banks

    Finding the right bank to suit your personal and business needs can seem like a hassle – there are many considerations when choosing a bank, and many different options. Whether you’re looking for high yielding savings accounts, a safety deposit box to store your valuables, multiple convenient ATM locations, or the best rate on a home or car loan, finding the right banking or financial institution to suit your needs can save you money and time. Whether you decide to go with a national bank that has branches all over the country or a local credit union that caters specifically. Read More Finding the right bank to suit your personal and business needs can seem like a hassle – there are many considerations when choosing a bank, and many different options. Whether you’re looking for high yielding savings accounts, a safety deposit box to store your valuables, multiple convenient ATM locations, or the best rate on a home or car loan, finding the right banking or financial institution to suit your needs can save you money and time. Whether you decide to go with a national bank that has branches all over the country or a local credit union that caters specifically to the banking needs of Long Islanders – there are plenty of different options available no matter where you live on Long Island. Show Less

    Finance Legal
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    33 Main Street in Kings Park
    631-269-1100

    899 South Oyster Bay Road in Bethpage
    516-349-6800

    50 Jericho Quadrangle in Jericho
    516-822-0214

    3 Huntington Quad in Melville
    631-752-4880

    5439 Sunrise Highway in Holbrook
    631-698-7000

    Want to be added to the Banks Page? Call 631-406-4410 or Email Us for details!

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    Volunteers from Capital One bank dedicated their time and expertise to work.


    Welcome to American Credit Counseling Service, Inc #american #credit, #debt #management, #credit


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    An Independent Non-Profit 501(c)(3)
    Consumer Credit Counseling Service

    American Credit Counseling Service, Inc.
    Community Service Since 1988
    4 Taunton Street, Suite 5 Plainville, MA 02762
    Toll Free (800) 729-0551 — Fax: (508) 695-0148

    Money Problems?

    Is it time to get your budget in order? If so, look below to find articles, tips and budgeting tools or call (800) 729-0551 to speak to a certified counselor now.

    Client Comments

    From: Jean in Attleboro, MA – (Bettie was) very helpful with suggestions on the budget. Very nice and polite.

    How can we help you today?

    Budgeting Assistance

    A budget is the basic tool needed for all financial decisions. Learn how to develop yours today. Need more assistance, give ACCS a call.

    • Budgeting does not need to be hard, read about it DEBT is a four letter word
    • When money is short Prioritize Your Payments
    • Start evaluating your budget today with this Budgeting Tool

    Credit Card Troubles

    ACCS is there to assist you with credit and money problems. Help is a click away.

    • Creditors are calling & I have no money. What should I do?
    • I can not get a credit card. What now?
    • My credit card balances never go down. Help me!

    Chat Live with a Counselor

    Financial Education

    Education is the key to being a well informed consumer. ACCS has lots of resources on all aspects of your finances.

    • What is Credit Counseling
    • Credit Cards Explained
    • What are my Credit Rights

    Credit Report Information

    Have you checked your credit lately? It is important to review your credit reports. If its been a while, check them today. If you have questions, our counselors are ready to assist you.

    • Get your FREE credit reports at www.annualcreditreport.com
    • Read all about Credit Reports
    • Need Credit Score information
    • Beware of Identity Theft

    Educational Seminars