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Saturday, July 31, 2010
Articles


 CONSUMER
FINANCIAL EDUCATION

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Important Disclosures and Public Statements


The articles published here represent the personal views of the author(s), and not necessarily the views of any securities firm, insurance company, FINRA, SEC or organization with which he or she may be affiliated. All statements made in these articles are for general information only and are not intended to provide, nor should they be relied on as, legal or investment advice.  Readers must consult with their qualified investment, tax or legal advisors before relying upon any content contained herein. Statements made in these articles may be incorrect for your state or jurisdiction. Also keep in mind that at the time when you read such statements the underlying rules, regulations and/or decisions may no longer be controlling or persuasive as a matter of investment or insurance law or interpretation.
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Lost Income, Lost Friends -- and Loss of Self-Respect...

Lost Income, Lost Friends -- and Loss of Self-Respect |The Impact of Long-Term Unemploymentby Rich Morin and Rakesh Kochhar, Pew Research Center | July 22, 2010Long-term unemployment takes a much deeper toll than short-term unemployment on a person's finances, emotional well-being and career prospec...

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TAGS:Career, Unemployment, Financial Planning

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Major Push Seen for Optional Federal Insurance Charter in 2011

Congress will see a "major push" on optional federal charter legislation in the next session, no matter which party controls the House of Representatives, Financial Services Committee Chairman Barney Frank said at the summer meeting of the National Conference of Insurance Legislators. The OFC issue...

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TAGS:Optional Federal Charter, Federal Insurance Department, Federal Regulation, Optional Federal Insurance Charter

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The Golden Rule...It Works!

The Golen Rule still works. It is timeless. The Financial Services Professional in his or her interaction with customers or represented companies  should use the code of conduct that serve as the building blocks of the earth’s great religion. The Golden Rule maintains that ...

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TAGS:Golden Rule, Ethics

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Popular and Business Social Networking Websites

 We all are thinking about or using social networking sites such as Twitter and Facebook to promote our businesses.  With the growing use of social networking by business professionals, there is a growing number of social networking sites focused on business users and meeting their needs. ...

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TAGS:Social Networking, Social Media, Professionals, Recruiting, Business Networking

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Income Gap Got Worse....

If I had a candle wish, it would be that all African Americans and Hispanics understand that without wealth…families cannot become and remain economically secure. While it is true that the 21st century has brought increased income in minority households… this did not lead to wealth accum...

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TAGS:Wealth, Minority, Underserved, Minorities, African American

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So You Want To Change Firms…Here’s What They Might Offer You

If you are a stockbroker (Commonly called Advisors, Registered Rep, or Rep), you have probably considered moving your practice (Book) over the last year. The good news is that independent firms are becoming increasingly aggressive with their transition packages as way of competing in a highly compet...

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TAGS:Rep, Stockbrokers, Registered Representative, Practice Management

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As Liken To an Advancing Conquering Army…Social Media Is Here To Stay

There are some who feel that recent failures in transparency, such as the Bernie Madoff scandal, will be challenged more robustly at an earlier stage if social media and networking was widely accepted by Financial Services Companies. The failures in communication are perhaps partly to blame for the ...

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TAGS:Social Networking, Social Media

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What Broker Dealers Are Preferred By Advisors

What Broker Dealers Are Preferred By Advisors? The Top TenStock Brokers, Registered Reps a.k.a. Advisors select or move to a Broker/Dealer mainly for one or more of the following reasons: AffiliationTransition ServicesCompensationTechnologyClient services supportCompensationNon-user friendly s...

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TAGS:Registered Representative, Advisor, Adviser, Agent, Stockbroker, Planner

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3 Major Broker Dealer Models – Helicopter Viewpoint

Experts have identified three major Broker Dealer business models. (1) Value pricing  (2) Value added and (3) Specialization.  Let take a helicopter view at each: Value Pricing: You may think of value pricing as selling product at a loss to build momentum to sell other product at a profit...

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TAGS:Stockbrokers, Rep, Registered Representative, Practice Management

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Your Kids Can Stay On Your Health Coverages. The Bad News is....

ADDING SOME GRADS TO PARENTS' HEALTH PLANS COULD BE COSTLY | Health Issues - May 12, 2010After the commencement speeches are over, the new grads face the job hunt and maybe a gap in health coverage, say National Public Radio (NPR). Starting in September, the new health law will let adult children ...

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