Your Rights Under the Fair Credit Reporting Act Consumer reporting agencies, including credit bureaus and specialty agencies such as agencies that sell information about job histories, check writing histories, medical records, and rental history records.

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Paint Your Own House Once upon a time in a small town there lived a house painter who was sought after by anyone who needed homes or business painted. He was that good!  As the story goes, there was this couple that purchased an old historic home. It needed a serious paint job. So the couple called this well sought out painter. They became impatience with getting his voice mail so they decided to call on him in person…at his home. After entering the street, the painter lived on…they circle the block twice as they could not find his house. So they stop, knocked on a resident door and the neighbor confirmed the address is correct. The couple then walked across the street and rang the doorbell. The painter answered and welcomed them in. As the painter was preparing the couple a hot beverage, the couple informed him that they passed his house twice. This was because it looked so terrible on the outside. The wife said: Why don’t you paint your house?. The painte...

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The board should establish conflict of interest policies regarding board, staff, volunteers, contractors, and organizational partners or allies and adhere to these policies in all dealings...

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Board of directors are trustees who act on behalf of an organization's constituents, including service recipients, funders, members, the government, and taxpayers. The board of directors has the principal responsibility for fulfillment of the organization's mission and the legal accountability for its operations...

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Auburn Mountain Financial Education Services Corporation is organized exclusively for education and educational purposes. We serve Financial Services Professionals and the Financial Services Industry. READ BYLAWS...

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Alex Tapanya loves his work as a mortgage consultant just a much as he loves being a talented artist. He brightens people lives by singing as well as helping his clients purchase the homes of their dreams.

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Phillip Turner’s has worked in diverse industries, which broadens his understanding of the customer’s business needs based on their business models. This experience enhances our ability to accomplish our technology goals and objectives.

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Paolo Catilo is a student of the Financial Services Industry. Confident, comfortable and passionate about Financial Services and it’s opportunities for Americans and Immigrants.

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Jim’s inspiration and passion is to bring the best people of color to the Financial Services Industry.  Jim’s desire is to clean up the recruiting food chain by delivering a better-informed candidate to the doors of Financial Services Companies.

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Lionel Gahima is a Financial Services Professional with International Business Experience.

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David Good is Web Master and Director for  Auburn Mountain Financial Education Services

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Dubai is located on the Eastern coast of the Arabian Peninsula, in the southwest corner of the Arabian Gulf. It is extremely well known for its warm hospitality and rich cultural heritage, and the Emirati people are welcoming and generous in their approach to visitors. From Amman in Jordan to Dubai in the United Arab Emirates is 1267 miles or 2039 km in a straight line. Dubai is part of the UAE that is a low-crime and politically stable country. Also, the UAE enjoys financial and monetary stability. Its well-developed, sophisticated banking system features extensive credit facilities and ample liquidity. The Emirate’s emerging capital markets are built on a basis of leading-edge technologies and sound regulatory systems. The government has a long, consistent commitment to pro-business, liberal economic policies including the protection of intellectual property rights. Dubai is a thriving metropolis. Dubai is emerging as a Insurance and Investment Powerhouse. Find Out More

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We Must Protect Ourselves First There is a need for Financial Service Practitioners to control the cyberspace in which they share and collaborate highly sensitive information. Breaches of confidentiality could attract lawsuits, loss of professional designations as well as the business practice. Currently online collaboration sessions are engaged without very much regard to Internet security. In fact, the pervasive attitude is that Internet security is not a problem to contend with until it becomes an issue. September 11, 2001 has made it an ongoing issue. The Financial Planning Community need to control security in their CyberSpace. We cannot expect product providers come to task in this area. Product providers may not wish to take on this task unselfishly and without profit. So give us your thoughts in the forums. You might want to read the article Cyber-Terrorism: Protect Ourselves First!. The article is In the “Protect Client Data & Credit” section first. This ar...

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An uncle makes a loan to a nephew and then forgives the loan. If this a gift? A parent sells assets to a child at a greatly reduced value. Is this a gift?  You place your children’s name on your home. Is this a gift?. You need to know if there is any income, gift or estate tax consequences.  

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An uncle makes a loan to a nephew and then forgives the loan. Is this a gift? A parent sells assets to a child at a greatly reduced value. Is this a gift? Also you placed your children’s name on your home. Is this a gift? Example: Assume Amari has a home worth $300,000. He executes a deed deeding the home to himself, and to his daughters Jasmin and Sara. Amari can no longer sell the house without the approval of Jasmin and Sara. Is this a gift? Answers and Helpful Information

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3.9 percent of children under 18 years of age in the United States, or approximately 10.2 million children, are estimated to have special health care needs. This is a very challenging specialty focus area for Financial Services Professionals.

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We present great investment resources and tools compliments of The Securities Industry and Financial Markets Association (SIFMA)...

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Financial Services Professionals serving multicultural markets and clients will encounter Takaful or Islamic Insurance, Islamic Finance and Investments...are you ready?

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Jim Robinson CFP speaks on "Eight Ways to Win As a Multicultural Agent in America"  in Agent Sales Journal Feature - October 2007. Republished by Popular Demand June 2008

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We realize that the majority of the financial literacy programs are aimed at the consumer. Very few are targeted to insure qualified professionals are serving the public best interest. This is not the job of the regulators.

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From the 1930's until the early 80s, at least 30 or more life insurance companies engaged in the practice of charging “race based insurance premiums”. This is a historical recap and how companies have corrected this racial profiling practiice.

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America: Rebuilding The World Trade Center , Get The Latest Defense News, America’s Promise and other issues that affect Americans.

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In some states if you participate in the state’s Partnership for Long-Term Care program, you can qualify for Medicaid without spending yourself into poverty. To participate in the Partnership, you must buy a long-term care insurance policy that contains at least the basic benefits required by the Partnership program...

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So you decide to leave your firm for brighter skies and want to take your clients with you. Well…make sure it is the right thing to do because the Financial Industry Regulatory Authority - FINRA has issued guidelines that that say change in your employment is not grounds for recommending a customer switch from one product to the other...

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As of March 21st, 2008 we are a tax-exempt organization. Please review the 3 page Exempt Organizations Private Letter Rulings and Determination Letter below for confirmation of our non profit status...

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Conducts financial literacy workshops, recruits, trains and manages a volunteer staff...Read More

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While a completely state-based regulatory system for insurance may have been appropriate at one time, insurance market changes have put increasing strains on the system..

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Auburn Mountain Financial Education Services Corporation’s Director of Grants and Development is a seasoned professional that lead the team in raising funds to fuel the execution of its plan and the ongoing growth of its leadership in providing conflict free financial education services. Read More About This Mission Critical Role....

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Private Movie Screening For your next appreciation event, Choose a hot new movie and treat your most important clients to a premiere event. You may not be aware that select films are even available a day prior to public release. Just in case you want to do a Drive In movie..we have a few sources...

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Get Help from Financial Services Professionals Get help from Financial Services Professionals. They not only know the path…they walk the path... 

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We Protect Them While They Protect Us. Financial Services Professionals must understand that Financial Readiness Is Military Readiness...

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A special report from the U.S. Department of Labor - Bureau of Labor Statistics  Occupational Outlook Handbook.

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Special report from the United Department of Labor's Occupational Outlook Handbook..

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"The New Normal” and its implications for workers and their families.

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The following resources are provided to help the workers and families affected by the Imperial (Dixie Crystals) Sugar Plant Explosion in Savannah Georgia.

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Client Events...It is the Little Things That Count Aspiring Financial Service Professionals should remember that it is the little things that mean so much…. Client Events enhance trust, credibility and your relationship with clients.  Client Events… enhance trust, credibility and your relationship with clients. Consider the following events for your clients...

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Insurance in the United States has traditionally been regulated by individual states. Reform proposals at the national level are moving in two directions. One is a dual (federal/state) chartering system.The other is modernization of the state system.

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Do you know the answers to the 9 key questions that the Investment Company Institute advises the public to ask their advisors before investing in Mutual Funds...

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We all may agree that the world needs heroes and heroines. The Chapman Company and Nathan A. Chapman Jr. were hero and model for any African American who wanted to succeed in the investment-banking world.

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Business Succession Planning identities the successor(s) of the business, locks out unwanted owners or suitors and protects the beneficiaries’ interest. Review this provocative case study…

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Look For A Company With Shared Multicultural Values. How can you tell?

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The Financial Industry Regulatory Authority (FINRA) The Financial Industry Regulatory Authority (FINRA) is now operating as the securities industry's new self-regulatory body. (Consolidation of NASD and NYSE).

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Protect Client Data...Keep The Bad Guys Away! The trust you earn from clients is the best compliment they can give you. Protecting clients’ privacy and safeguarding their personal and financial information had better be your highest priority. Get Strategies Now

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Things That Go Bump In The Night…Bad Credit Middle Income Familes (Household Incomes up to $100,000) may have the obstacle of mounting bills to overcome before they can execute insurance, financial planning and investment strategies. Here’s help...

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Financial Services Professionals spend a great deal of time assisting their clients building and managing wealth. The Financial Services Professional has an obligation to keep the client aware of strategies and techniques used by dishonest people to defraud them of their wealth...

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Passing your Securities and Insurance exams depends not only on how well you learn the subject matter, but also on how well you can take the tests. You can deploy certain test-taking techniques to improve your score...

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Investment Banking Firms...People of Color We are a nation of communities... a brilliant diversity spread like stars, like a thousand points of light in a broad and peaceful sky. George H. W. Bush

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 Changing Faces America’s Wealth Advisors Featured in Life Insurance Selling Magazine and on Their Popular Books List...

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Jim Robinson, author of Changing Faces: America’s Wealth Advisers, was featured in Diversity Inc Magazine”s Special Edition “ Financial Services Firms Leaders of Diversity, (May 2007)...

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“In cases where individuals know who stole their identity info, it turns out to be someone they know 50 percent of the time.” Source: Javelin Group  Child ID Theft is a crime, much like adult identity theft...

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INSURANCE NEWSCAST - Monday, 08/07/06 22. Expert Advice for Minorities in the Financial Services Industry....

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In the 2006 -2007 school year, Jim Robinson CFP MSFS took the playbook “Changing Faces America’s Wealth Advisors” to the college classroom at Howard University in Washington DC...

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 Public Libraries.com Author; James M. Robinson and his powerful career guide Changing Faces -America's Wealth Advisors is listed and reviewed in the most extensive directory of public libraries of the United States…Public Libraries.com

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Client acquisition is the foremost challenge in the first three to four years of a Financial Services Professional’s career. Asking for referrals or introductions requires four things to be in place.

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When training our young ones to cross streets and intersections we know that it is a very smart thing to train them to watch for cars and not focus entirely on the traffic lights for obvious reasons...WATCH THE CARS NOT THE TRAFFIC LIGHTS!

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Partnerships and Alliances The latest news on partnerships with other websites that add value to our members. We do not buy links. We only agree to link with webitses that appear to  bring value to our members practices or personal lives.

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Ten States Selected to Participate in Long-Term Care Partnership Expansion Project  With the graying of America, affordable long-term care insurance options are increasingly important. In response to recent federal legislation that allows states to pursue public-private partnerships for long-term insurance coverage, 10 states have been selected to participate in the Long-Term Care Partnership Expansion project to develop practical insurance options for moderate-income consumers...

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Some Financial Professionals use designations that imply that they are experts at helping seniors with financial issues. Many seniors, however, don't understand that requirements for receiving and maintaining a "senior" designation vary greatly...

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RETIREMENT ISSUES...A GROWING CONCERN FOR 76 MILLION AMERICANS! So you are thinking about retirement. Maybe you will work part-time…not because you have to but because you want to. In a recent survey by American Association Of Retired Persons – AARP , it was noted that just over half (53%) of the respondents stated that their definition of retirement includes working for enjoyment...

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Seminars and Workshops Can Help Grow Your Practice It does not matter what you area of focus or specialty is….Seminars will work for you. It may comfort you to know that you do not have to be an experienced or smooth talking speaker to conduct an effective seminar...

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What Can Estate Planning and Wealth Planning Professionals Do! We must first protect ourselves, before we are adequately prepared to protect our clients... 

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Why People Don't Plan Ahead For Long Term Care Costs  There are many reasons why people don't plan ahead for long-term care....

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Long-Term Care Insurance Partnership Programs The long-term care insurance (LTCI) partnership program was developed in the 1980s to encourage people who might otherwise turn to Medicaid to finance their long-term care (LTC) to purchase LTCI. If people who purchase qualifying policies deplete their insurance benefits, they may then retain a specified amount of assets and still qualify for Medicaid, provided they meet all other Medicaid eligibility criteria….

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Loose Talk about Tight Cyber Security An advisor's guide to firewalls, encryption and secured socket layers. As in any other aspect of life, feeling safe in cyberspace is preferable to  feeling as if a mugging--virtual or otherwise--is lurking just around the corner. All of us want that archtypical "clean and well-lit place," even on the Internet.

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...so take a break Financial Services Professionals must learn to deal with the day to day issues of running a professional services business...

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We realized that you may have your Virus Settings and Spyware Settings set to prevent intrusion and annoyances. What you may not realize is that your protection software was probably installed at the highest. This may prevent you from getting mail and other services that you want. Read this importnat information...

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Time Is Currency Our days are long with very little time to take care of personal errands and shopping. Time is currency. Use it wisely. Let us help. We provide timely convenience at the Malls and Cafes at Auburn Mountain.

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Asset Harmonization Financial Services Professionals work hard to be sure the client’s financial assets are working in harmony.Find out why and how...

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What do the Training Manager Say? The Sales Manager has told a minority candidate that “Black males do not do well in this business…at least in this area”

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Retention...The Art of Thriving Not Surviving Enhancing Retention of Financial Services Professionals. Gain an brighter vision of how to retain quality Financial Services Professionals. Read More

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Recruiters and Managers should listen close to what Financial Services Professionals are saying. Money does count. Payouts and revenue percentages does matter. Financial Services Professionals also give other concerns equally weight.

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LTC Product Specialists Can Help Product Specialists can help you grow your practice. Long Term Care Wholesalers...Who Are You "Gonna" Call? Here are helpful links.

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Jim Robinson and MoneyWise In the Community Jim Robinson CLU, ChFC, CFP, MSFS has partnered with Kelvin Boston of Moneywise...

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Hoodia Diet In the African Kalahari desert, the Hoodia Gordonii plant thrives in extremely high temperatures and takes 4 - 6 years to mature. It has grown there for centuries. Today, it is clouted as a weight loss miracle...

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So You Want To Be A Leader Leaders understand that in this business, your only true currencies are your time and skill sets. Leaders are not born. You must become very good at what you do and always be keenly aware of those whose waste your time. "Leadership and learning are indispensable to each other" – John F. Kennedy: 35th President of the United States... 

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Most experts say that you should look for someone with credentials when shopping for Financial Services such as insurance and investments. How does a consumer decide which designation empowers the agent to help them make suitable choices for consumers or are they cheap and deceptive marketing devices...

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An investigation conducted by the Aging Committee has revealed that many of the designations that have been cropping up represent limited or no value with respect to advising seniors on financial matters, and that often these designations are obtained simply by attending a weekend seminar and passing an open-book, multiple-choice test...

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India’s National Stock Exchange’s Certification in Financial Markets The international experience and the needs of the Indian financial markets, with a view for protecting interests of investors in financial markets and more importantly, for minimizing risks of losses arising out of deficient understanding of markets and instruments, the National Stock Exchange offers the NSE's Certification in Financial Markets (NCFM).

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Sarbanes-Oxley The Sarbanes-Oxley Act of 2002, represents the biggest change to federal securities laws in a long time. It came as a result of the large corporate financial scandals involving....

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A Home Base In Cyberspace Advisors doing business in cyberspace--not merely prospecting, qualifying or announcing their presence on a virtual billboard. The day when insurance and financial advice will be given online is coming. It's now merely a question of when...

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Growing Your Financial Services Practice Thru Referrals Client acquisition is the foremost challenge in the first three to four years of a Financial Services Professional’s career. Introductions and referrals is the lifeblood of client acquisitions. Asking for referrals or introductions requires four things to be in place...

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“Changing Faces” Press Release Makes It To India! Insurance News Onlypunjab.com- Insurance News...

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Expert Advice for Minorities in the Financial Services Industry Financial Services Trainer and Coach: James Robinson advises minorities about working in the Financial Services Industry, in Changing Faces: America’s Wealth Advisors...

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