School

Who Needs a Certified Financial Planner!

With all the information one can get about insurance and investments on the internet, who needs a Certified Financial Planner!After all if you just want term life insurance, there are plenty of sites that can give you quotes from a number of leading life insurance companies. If you just simply want to find comparative performance information on mutual funds, you can get it from Kiplinger, Forbes, Money Magazine or Morningstar. Finally, if your employer offers a matching 401k program, you can pick a fund that is geared to coincide with your anticipated year of retirement.
Besides some Certified Financial Planners charge fees for their time, others make commissions on what they sell and the balance charge both fees and collect commissions.
Are Certified Financial Planners really worth what they cost?
Well first, it really depends on what you want to accomplish and what you can and you are willing to do for yourself? Have you tried designing a comprehensive plan that addresses all your concerns? If not, why not? Is it because you don’t know where to begin?
If your answer to the last question is yes, then you should consider hiring a Certified Financial Planner.
Certified Financial Planners earn their designations by passing a comprehensive two day 10 hour exam. that tests their ability to apply financial planning knowledge in an integrated format. The exam covers the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management and insurance.
CFPA� professionals must also be able to demonstrate that they have at least three years of experience in the area of financial planning before they can use the CFPA� certification marks. They must also be able to show that they possess financial counseling skills in addition to financial planning knowledge.
Once certified, CFPA� practitioners are required to maintain technical competence and fulfill ethical obligations. Every two years, they must complete a minimum 30 hours of continuing education to stay current with developments in the financial planning profession and better serve clients.
Given what your concerns are and what you want to accomplish, a Certified Financial Planner should be able to help you determine what your priorities should be and help you define goals that are SMART – specific, measureable, attainable, realistic and time driven?
Then, he can show you how you can get from where you are now to where you would like to be in a year, five years from now or by the time you retire. By reviewing your tax returns, employee benefit programs, personal insurance plans bank statements and investment programs, he or she can help you design a plan that can help you meet your most fundamental goals.
A good comprehensive plan should also take into account how comfortable you feel about investing in the stock market, how much you can afford to lose, and what you will most likely do if your portfolio loses 20% or more of its value anytime during the course of your life. After all, the last thing in the world you would want to do is buy high and sell low. That is why you need someone who can help you invest in a diversified portfolio made up of a variety of tax deferred, taxable and tax free plans that will offer maximum returns for limited volatility. This program should give you the access you need for cash if an emergency arises, guaranteed and fixed income you will need after you retire and growth that can serve as a hedge against inflation during the course of your life.
It should also take into account what you want to leave for your spouse, your children or anyone else you love and cherish after your death.
Finally, it should provide you the income you will need in the event of your disability as well as provide you protection against asset depletion if you or your spouse needs long-term care.
As you can imagine designing a plan like this can take many hours of thought, planning, and research. It also takes a certain degree of wisdom that you can only develop with experience. Finally, it requires a certain degree of detached objectivity that most people seem incapable of demonstrating when they are left to make decisions that are going to impact not just their financial future but those of the ones they love.
The bottom line is do you have the time, the patience, the knowledge, objectivity, wisdom and skills to design an ideal plan for you and your family? Are your ready to admit that you don’t know everything you need to know and that you need direction? Is it possible that a professional can help you do a better job than you could do as a layman? If your answer to the last question is yes, then I think you owe to yourself and to your family to find a Certified Financial Planner that can help you determine and define your goals and help you get from where you are now to where you would like to be.
After all, as Confucius once said, “A journey of a thousand miles begins with a single step.”

General Article

Why Adult Education is Important

Why Adult Education is Important

Regardless of how much education you already have, taking an adult education course can strengthen your job position and security.

The most unfavorable situation that you may find yourself in is to lack a high school diploma. However, some well educated people can also having trouble finding and landing jobs.

Every person risks becoming unemployed during bad economic times. So upgrading your skills or education by taking an adult education class can be beneficial for anyone.

The sooner the better so take action immediately if you do not have a high school diploma! There are many employment services available in the market today that can help get you started. You can also enroll in an adult education course where all the study takes place online in the comfort of your own home.

These classes include practice tests that enable you to take as many times as necessary in order for you to fully understand the material. Once you successfully complete this adult education course, you’ll be awarded a General Equivalence Diploma or G.E.D. By achieving this accomplishment, you’ll make yourself more marketable and appealing to some employers, because they can see that you made an effort to improve yourself.

If you are working and have a high school diploma, you may want to consider enhancing your skills by taking additional education classes. These adult education courses are available through local colleges and online institutions. Most people prefer online classes since the flexibility they offer allows the student to better coordinate their school and work schedules.

Certificate programs are another continuing education option. These adult education programs focus on a specific occupation and take a shorter time to complete, usually 9 to 24 months.

If you need financial aid, contact your Human Services or Employment Department for information. Schools can often provide help in getting scholarships, student loans, and federal grants. A student with past military service may also qualify for a discount on their tuition, etc.

If you have an Associate’s degree, think about going further and pursuing a Bachelor’s degree. Your employer may partially or fully pay for your adult education courses if it is related to your job.

In the case of gaining knowledge through continuing education, more is definitely better.

Education For All

Why Your Business Is A Marathon

I could send you to websites now where the copy immediately starts talking about you making thousands of dollars in a few short days. What would be the point? You and I both know it won’t work, especially if you’re starting from scratch. This article gives 3 reasons to see your business building as a marathon, in terms of short-term thinking, pacing yourself, and learning enough knowledge.
1 You might prefer to have a few thousand dollars by next week but then what? Let’s suppose you somehow managed to reach that goal. A key question is as to whether you can repeat, and keep repeating, the process you used to make thousands the following week. Also, as part of that, whether you can scale up what you’re doing to create a larger operation making more money. It’s only then that you’re talking about having a business. If someone could really show you how to do that, I doubt they’d be selling it or, at least, very cheaply.
2 In a marathon race, you have to pace yourself. Ahead of time, you work out the best speed to go at different points in the race, whether for race tactics or for course conditions. If you simply shoot off as fast as you can at the start and hope to keep going, you’ll soon be reduced to a slow speed, particularly when you come across that second big hill. So with a business, you have to plan ahead, trying to see the problems you’ll have to negotiate. Also, the important thing is to be able to keep going, even when you have a winning formula.
3 Before marathon runners go out on the race course, they’ve thought about what they’re doing. They’ve trained and made sure they’ve rested and eaten enough and appropriately. In other words, they had to gain some knowledge about what to do. They could read, listen to others, and learn from their own experience. They make mistakes and adjust their thinking and actions. In your business, if, for example, you’re just following blindly a small step by step process, then you don’t really have a business. This needs to grow and develop. To do that you need to be able to input your knowledge, gained in various ways.

General Article

Continuing Your Education Using the Internet

Continuing Your Education Using the Internet

Due to the economic conditions over the past five years many adults and young professionals decided it was in their best interest to go back to school. Whether their company was downsizing, their position was being eliminated, or they wanted to make themselves more marketable, going back to school was a priority for them. When the economy is booming, everyone seems to have a job. When everyone has a job, education is on the backburner for most. Education costs a lot of money and takes up a lot of time, especially at the graduate level. So if individuals are comfortable where they are and they are making enough money, they feel they don’t see a need to go back to school.

During the past 5-10 years online education has dramatically increased in enrollment. There are now more programs available to online students than ever before. Whether someone is looking for a Bachelor’s Degree in Nursing or a Master’s Degree in Engineering, there is a school that offers’s it online. Adults in particular, are very comfortable using the internet on a day to day basis. They typically use it at work or with their children. So doing their education over the internet is no big deal for them. It is more convenient than having to travel to a physical campus to attend class. If you are trying to balance your family, job, and school, this is a huge factor when deciding how to complete your degree. The internet is a great tool that has evolved and developed over the past 20 years. Not only can you do your degree online; you can do all of your research as well. It is a great tool for everyone to use.

Continuing your education is very important. It should not matter what the economy is doing. It is a best practice to be as up to date as possible on industry trends when making decisions for your company. You want to make an informed decision as opposed to an uninformed decision. The best part is, many employers will pay for an online education these days. You may have to commit to them for 1-2 years after completing the degree, but a free education is well worth it. You take the class, receive a passing grade; and then your company reimburses you for your tuition fees. It’s that easy. To find out what internet courses qualify for tuition reimbursement, contact your human resources department.

Education Information

Your Green Hair Looks Terrible

If someone tells you that your green hair looks terrible, you may shrug your shoulders and say that YOU don’t have green hair, you must be blind and they must be blind. But if the same one is saying that your smile looks fake-this is another matter. A slight odour of anger might come up after all who is he, to say such a thing?
Lies are lies and usually don’t make any difference to any of us unless they impact on our livelihood or respectability. The opposite is the case with truth. Truth hurts and makes us angry. Who wants to see or admit that our behavior is pretentious, the heart full of fear and the mind dumb?
However, anger can be a tool for change when we feel the full force of it and accept it as a gift to see where our physical and emotional wounds lie. Look at small children and how beautiful their anger is; we don’t judge or condemn them because a minute later they are full of love and joy.
The same can also happen with us if we turn the torch of awareness from the person who has offended us back to ourselves where the problem lies. Not only will we be more authentic with all our other feelings but more importantly we can see the power in anger and the lesson to be learned.
Any lover of truth will include his or her anger on the journey, accepting and even welcoming it as another chance of finding out about one’s deeper reality. In all relationships, whether in love partnerships or otherwise, anger is always present where there are illusions, expectations and dreams.
The thing is do we need to be more aware of the part we play in these relationships and do we need to be more aware of what hurts us and why?
Sam

Teacher Education

The Misguidance of Man Worshiping God With a Crucifix

The crucifixion of Jesus was one of mans biggest blunders in history. It is an embarrassment that you killed your savior. When I say you I mean everybody including myself. It does not make sense to me to make great the worst part of his life including all the gore. You worship the cross. The cross is a device of torture. You nailed Jesus, your savior to the cross and tortured him. Not a proud moment in history. Yet we build giant crosses and set them high in the sky above our churches. Well intentioned but misguided.
I am aware of Jesus’ ascension into Heaven. It is an epic event. But, could you have picked a better symbol. What if Jesus was killed with a guillotine? Would you walk around with his head on a stick? Would you erect a guillotine and put it on top of your churches. Jesus was against worshiping any symbols. Jesus was against any churches with walls. Jesus built his church with a corner stone of Knowledge (Latin verse). Jesus was against structured religions with a priestly caste. No one is closer to God than you are.
Killing man is a sin. Killing God surly has to be a great sin. Men are responsible for their own actions. Man has unquestionable control of his own mind. Actually we must ask the question ” Who killed Jesus?” Answer: Man. There are many questions man should be asking God. Man should seek the truth and take nothing for granted. Ask yourself for the answer. Belief in God and believe  in yourself. Traverse the inner planes of your soul. Experience God through your soul. You will know the truth and know it is the truth. You will be enlightened. Life is an important event in the outcome of The Universe.
“Of all men born of woman from Adam To John the Baptist, No one is greater than John. Although I say to you He who finds the Living Father will be greater than John the Baptist…”  – Jesus –