Mint: Money Manager, Bills, Credit Score & Budgeting, finance planner.#Finance #planner


How do you measure up?

The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

How do you measure up?

The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

How do you measure up?

The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

Budgets? You betcha

Easily create budgets, and see our suggestions based on your spending.

Finance planner

Bills? Done

Track and pay bills like never before. Get alerts and schedule payments on the spot.

Finance planner

Credit score? Checked

Find out yours for free and get tips to help improve it, no credit card required.

Finance planner

It’s all coming together

When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

It’s all coming together

When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

It’s all coming together

When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

Budgets? You betcha

Easily create budgets, and see our suggestions based on your spending.

Finance planner

Bills? Done

Track and pay bills like never before. Get alerts and schedule payments on the spot.

Finance planner

Credit score? Checked

Find out yours for free and get tips to help improve it, no credit card required.

Finance planner

It’s all coming together

Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

It’s all coming together

Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

It’s all coming together

Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

Budget? You betcha

Easily create budgets, and see our suggestions based on your spending.

Finance planner

Bills? Done

Track and pay bills like never before. Get alerts and schedule payments on the spot.

Finance planner

Credit score? Checked

Find out yours for free and get tips to help improve it, no credit card required.

Finance planner

Effortlessly stay on top of bills

At last, your bills and money are together in one place and easier than ever to manage. Just add your bills to see how helpful we can be.

  • See bills and money in one place.
  • Get alerts and schedule payments on the spot.
  • Say goodbye to late fees.
  • Stop logging into multiple sites.
  • Deliver payments fast.

Finance planner

Personalized for you

  • Create budgets that make sense today and set you up for success tomorrow.
  • See bills and money together, so you know what’s due, when it’s due and what you can pay.
  • Receive alerts for unusual account charges, and get custom tips for reducing fees and saving money.
  • Get your free credit score and learn how you can improve it now to get the things you want later.

Finance planner

Get started simply securely

  • It’s easy to set up your free account in seconds, and help’s available if you should ever need it.
  • We work to keep your information secure. All your data is encrypted with a 256-bit encryption level and the data exchanged with Mint is encrypted with 128-bit SSL.
  • Mint comes from the makers of TurboTax®, trusted by millions every year with their most sensitive data.

Finance planner

Intuitive features, powerful results

Mint is versatile enough to help anyone’s money make sense without much effort. There’s no wrong way to use it, and nothing to lose getting started. You’ll be surprised how life-changing something so simple can be.

Finance planner

Budgets that work

Create budgets you can actually stick to, and see how you’re spending your money.

Finance planner

Money on the go

Phone tablet apps to manage your money from wherever you are.

Finance planner

One step at a time

Get personalized tips and advice for maximizing your money every day.


How to Choose a Financial Planner – Personal Finance, finance planner.#Finance #planner


How to Choose a Financial Planner

  • Look for a financial adviser who is a certified financial planner (CFP). They’re licensed and regulated, plus take mandatory classes on different aspects of financial planning.
  • Consider the planner’s pay structure. A planner who earns money based on commission rather than a flat, hourly rate could have an incentive to steer you in a particular direction.
  • Read the code of ethics that your financial planner adheres to. Look for the word “fiduciary” and language that requires planners to look after your best interests.
  • Feedback

    Financial planners advise clients on how best to save, invest, and grow their money. They can help you tackle a specific financial goal—such as readying yourself to buy a house—or give you a macro view of your money and the interplay of your various assets. Some specialize in retirement or estate planning, while some others consult on a range of financial matters.

    Don’t confuse planners with stockbrokers — the market mavens people call to trade stocks. Financial planners also differ from accountants who can help you lower your tax bill, insurance agents who might lure you in with complicated life insurance policies, or the person at your local Fidelity office urging you to buy mutual funds.

    Anyone can hang out a shingle as a financial planner, but that doesn’t make that person an expert. They may tack on an alphabet soup of letters after their names, but CFP (short for certified financial planner) is the most significant credential. A CFP has passed a rigorous test administered by the Certified Financial Planner Board of Standards about the specifics of personal finance. CFPs must also commit to continuing education on financial matters and ethics classes to maintain their designation. The CFP credential is a good sign that a prospective planner will give sound financial advice. Still, even those who pass the exam may come up short on skills and credibility. As with all things pertaining to your money, be meticulous in choosing the right planner.

    Typically, financial planners earn their living either from commissions or by charging hourly or flat rates for their services. A commission is a fee paid whenever someone buys or sells a stock or other investment. For reasons we’ll explain later, you may want to avoid financial planners who rely on commissions for their income. These advisers may not be the most unbiased source of advice if they profit from steering you into particular products.

    A growing number of financial planners make money only when you pay them a fee for their counsel. These independent financial planners don’t get a cut from life insurers or fund companies. You might pay them a flat fee, such as $1,500, for a financial plan. Or you could pay an annual fee, often 1% of all the assets—investment, retirement, college-savings and other accounts—they’re minding for you. Others charge by the hour, like lawyers.

    You might also encounter financial planners who cater exclusively to the rich and refuse clients with less than $250,000 to invest. Don’t take it personally—hugely successful planners would just prefer to deal with big accounts rather than beginner clients. You want a planner who’ll make the time to focus on your concerns and is interested in growing with you.

    Should You Use a Financial Planner?

    You can certainly go it alone when it comes to managing your money. But you could also try to do it yourself when it comes to auto repair. In both areas, doing it yourself is a brilliant idea for some, and a flawed plan for many, many others. Mastering personal finance requires many hours of research and learning. For most, it’s not worth the time and ongoing effort.

    As you get older, busier and (it is hoped) more wealthy, your financial goals – and options – get more complicated. A financial helper can save you time.

    Financial planners can also help you remain disciplined about your financial strategies. They’ll make the moves for you or badger you until you make them yourself. Procrastination can cause all sorts of money problems or unrealized potential, so it pays to have someone riding you to stay on track.

    We’re not suggesting that you ignore personal finance and turn over all your concerns to an adviser. But even if you know the basics, it’s a comfort to know that you have someone keeping watch over your money.

    It may sound crazy to give someone 1% of your annual assets to manage them, but you get a buffet of advice about almost anything related to personal finance. The price becomes sensible when you consider that you re paying to establish a comfortable retirement, save for your child s college or choose the right mortgage when borrowing hundreds of thousands of dollars.

    How to Find the Right Financial Planner

    It’s best to go with a certified financial planner (CFP), which is an instant signal of credibility – but not a guarantee of same. To start, ask people like you if they can recommend a planner. If you have kids, ask a colleague who also has children. If you’re single and just out of college, check with a friend in the same boat. If possible, you want to find a planner with successful experience advising clients in the same stage of life as you.

    For more leads, check the National Association of Personal Financial Advisors (NAPFA). These planners are fee-only, which means their only revenue comes from their clients. They accept no commissions at all and pledge to act in their clients’ best interests at all times. In many respects, NAPFA standards meet or surpass the requirements needed for a CFP credential.

    Another good bet could be a planner in the Garrett Planning Network, a group of certified financial planners who all pledge to make themselves available for smaller projects for an hourly fee. All of the members of this network are CFPs or they’re actively working towards this designation. It may be that you just have a handful of questions, and someone here could help you without charging too much.

    A few more tips for finding the best planner for your situation:

    Consider the planner’s pay structure. You typically want to avoid commission-based advisers. Planners who work on commission may have less than altruistic incentives to push a certain life insurance package or mutual fund if they’re getting a cut of that revenue.

    But fee-based advisers aren t perfect. Advisers earning 1% of your annual assets might be disinclined to encourage you to liquidate your investments or buy a big house, even if those are the right moves a t a particular point in your life, because their fee would shrink.

    If you’re starting out and don’t have a trove of assets, an planner who charges by the hour could be the best fit. These planners are best for when your needs are fairly simple. Typically, hourly planners are just building their practice, but that usually means they’ll take the care to get your finances right. After all, they’re relying on your recommendation to grow their business. Finally, many experienced advisers do hourly work because they enjoy working with younger clients who can only afford to hire someone at that rate.

    Look for a fiduciary. In short, this means the planner has pledged to act in a client’s best interests at all times. Investment professionals who aren’t fiduciaries are often held to a lesser standard, the so-called sustainability standard. That means that anything they sell you merely has to be suitable for you, not necessarily ideal or in your best interest. This point is critical, and should be a deal breaker if a prospective planner is not a fiduciary.

    Run a background check on your planner. Start with these two questions: Have you ever been convicted of a crime? Has any regulatory body or investment-industry group ever put you under investigation, even if you weren’t found guilty or responsible? Then ask for references of current clients whose goals and finances match yours.

    Check to ensure the credentials the person claims to have are current. Google them, see who administers the designation, then call that administrator to verify that the credential is valid. If your advisor is a CFP, discipline records are located here.

    Beware of market-beating brags. Warren Buffet outperforms the market averages. There aren’t a lot of people like him. If you have an initial meeting with an adviser and you hear predictions of market-beating performance, get up and walk away. No one can safely make such guarantees, and anyone who’s trying may be taking risks that you don’t want to take.

    Asking someone whether they’ll beat the market is a pretty good litmus test for whether you want to work with them. What they should be promising is good advice across a range of issues, not just investments. And inside your portfolio, they should be asking you about how many risks you want to take, how long your time horizon is and bragging about their ability to help you achieve your goals while keeping you from losing your shirt when the economy or the markets sag.


Continental Finance Company, Credit Cards, finance planner.#Finance #planner


Finally, a card that is right for you.

Accept Mail Offer

Finance planner

Finance planner

Finance planner

Finance planner

With our credit service, you will receive free 24/7 online access to manage your account and make payments online.

Applying for our credit cards is a fast and easy process – typically done in less than a minute!

Our service includes monthly reporting to the 3 major credit bureaus.

Manange your account from your mobile device with our new app! -COMING SOON!

Why choose our cards?

Continental Finance is one of America’s leading marketers and servicers of credit cards for consumers with less-than perfect credit.

Finance planner

Finance planner

Whether you have fair, poor, or limited credit, we can provide a product that is right for you.

Finance planner

Whether you have fair, poor, or limited credit, we can provide a product that is right for you.

Finance planner

*Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify and record information that identifies each person who applies for a card account. What this means for you: When you apply for a card account, we will ask for your name, address, date of birth and other information that will allow us to reasonably identify you. We may also ask to see your driver’s license or other identifying documents at any time.

Finance planner


Personal Finance, Stock News – Stock Market Analysis, finance planner.#Finance #planner


Personal Finance

Visit the IBD Store to get started.

Personal Finance

Today’s Spotlight

CAN SLIM Masters Program

Free MarketSmith Webinar on 11/15

Indexes Hit Record Highs

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  • Finance planner Psst, Millennials! Want An Extra $830K In Your 401(k)? Here’s How
  • Finance planner Nvidia, Goldman Are Among 5 Bitcoin Stocks To Watch As Cryptocurrency Soars
  • Worried About Rising Rates? Here’s Why You Shouldn’t Be Promoted Content By AllianceBernstein

Special Report

Finance planner

Looking For The Next Nvidia? Start With This Simple Routine

See how to find winning stocks like Nvidia using a time-tested, 3-step routine.

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Notice: Information contained herein is not and should not be construed as an offer, solicitation, or recommendation to buy or sell securities. The information has been obtained from sources we believe to be reliable; however no guarantee is made or implied with respect to its accuracy, timeliness, or completeness. Authors may own the stocks they discuss. The information and content are subject to change without notice.

*Real-time prices by Bats®. Volume delayed. Real-time quote and/or trade prices are not sourced from all markets.

© 2000-2017 Investor’s Business Daily, Inc. All rights reserved


Mint: Money Manager, Bills, Credit Score & Budgeting, finance planner.#Finance #planner


How do you measure up?

The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

How do you measure up?

The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

How do you measure up?

The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

Budgets? You betcha

Easily create budgets, and see our suggestions based on your spending.

Finance planner

Bills? Done

Track and pay bills like never before. Get alerts and schedule payments on the spot.

Finance planner

Credit score? Checked

Find out yours for free and get tips to help improve it, no credit card required.

Finance planner

It’s all coming together

When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

It’s all coming together

When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

It’s all coming together

When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

Budgets? You betcha

Easily create budgets, and see our suggestions based on your spending.

Finance planner

Bills? Done

Track and pay bills like never before. Get alerts and schedule payments on the spot.

Finance planner

Credit score? Checked

Find out yours for free and get tips to help improve it, no credit card required.

Finance planner

It’s all coming together

Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

It’s all coming together

Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

It’s all coming together

Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

Budget? You betcha

Easily create budgets, and see our suggestions based on your spending.

Finance planner

Bills? Done

Track and pay bills like never before. Get alerts and schedule payments on the spot.

Finance planner

Credit score? Checked

Find out yours for free and get tips to help improve it, no credit card required.

Finance planner

Effortlessly stay on top of bills

At last, your bills and money are together in one place and easier than ever to manage. Just add your bills to see how helpful we can be.

  • See bills and money in one place.
  • Get alerts and schedule payments on the spot.
  • Say goodbye to late fees.
  • Stop logging into multiple sites.
  • Deliver payments fast.

Finance planner

Personalized for you

  • Create budgets that make sense today and set you up for success tomorrow.
  • See bills and money together, so you know what’s due, when it’s due and what you can pay.
  • Receive alerts for unusual account charges, and get custom tips for reducing fees and saving money.
  • Get your free credit score and learn how you can improve it now to get the things you want later.

Finance planner

Get started simply securely

  • It’s easy to set up your free account in seconds, and help’s available if you should ever need it.
  • We work to keep your information secure. All your data is encrypted with a 256-bit encryption level and the data exchanged with Mint is encrypted with 128-bit SSL.
  • Mint comes from the makers of TurboTax®, trusted by millions every year with their most sensitive data.

Finance planner

Intuitive features, powerful results

Mint is versatile enough to help anyone’s money make sense without much effort. There’s no wrong way to use it, and nothing to lose getting started. You’ll be surprised how life-changing something so simple can be.

Finance planner

Budgets that work

Create budgets you can actually stick to, and see how you’re spending your money.

Finance planner

Money on the go

Phone tablet apps to manage your money from wherever you are.

Finance planner

One step at a time

Get personalized tips and advice for maximizing your money every day.


Continental Finance Company, Credit Cards, finance planner.#Finance #planner


Finally, a card that is right for you.

Accept Mail Offer

Finance planner

Finance planner

Finance planner

Finance planner

With our credit service, you will receive free 24/7 online access to manage your account and make payments online.

Applying for our credit cards is a fast and easy process – typically done in less than a minute!

Our service includes monthly reporting to the 3 major credit bureaus.

Manange your account from your mobile device with our new app! -COMING SOON!

Why choose our cards?

Continental Finance is one of America’s leading marketers and servicers of credit cards for consumers with less-than perfect credit.

Finance planner

Finance planner

Whether you have fair, poor, or limited credit, we can provide a product that is right for you.

Finance planner

Whether you have fair, poor, or limited credit, we can provide a product that is right for you.

Finance planner

*Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify and record information that identifies each person who applies for a card account. What this means for you: When you apply for a card account, we will ask for your name, address, date of birth and other information that will allow us to reasonably identify you. We may also ask to see your driver’s license or other identifying documents at any time.

Finance planner


Home, Deakin, finance planner.#Finance #planner


Deakin Warrnambool

Get a global education on a local scale.

Browse courses by interest area

Apply

Browse by type

Discover who you ll be studying with

The transition from high school to university is an adventure, but it can be a daunting one at times.

To take some of the guesswork out of your experience, we’ve pulled together a 2017 Trimester 1 cohort report that details the average ATARs of our new students on a course-by-course basis. It also has information on what proportion of undergraduate students come straight from high school or are from other walks of life.

This is intended to give you some clarity around the course you choose, and is part of Deakin’s commitment to admissions transparency.

Ranked in the top 3 for graduate employability

Ranked in the top three universities in Australia for graduate employability, Deakin’s course curriculum integrates real-world expertise with practical skills to give our students a competitive edge*.

Deakin University is a world-class institute with cutting-edge facilities and renowned quality of research and teaching. All three international university rankings put us in the top 2% of the world’s universities^.

*2016 Times Higher Education graduate employability rankings

^Academic Ranking of World Universities, Times Higher Education and QS World University Rankings.

Meet Dr Mick Fielding. Deakin alumnus and robotics enthusiast.

Stay connected, continue the journey.

There are many great benefits to being part of our Alumni Community, including exclusive networking events and reduced enrolment fees on all postgraduate courses. In fact, you’ll automatically become a member once you graduate.

Finance planner

14 November 2017

A new study by Deakin researchers aims to help health professionals better support people with diabetes distress.

Finance planner

14 November 2017

15,000 scientists from around the world have co-signed an article highlighting the urgent actions that must be taken to avoid irreversible harm to the Earth.

Finance planner

14 November 2017

Twenty five years ago, a majority of the world’s living Nobel Laureates united to sign a warning letter about the Earth; today, scientists have taken grassroots action, with a scorecard showing that of nine areas only one has improved: our ozone.


Financial Planner Definition #finance #magazines


#finance planner

#

Financial Planner

What is a ‘Financial Planner’

A financial planner is a qualified investment professional who helps individuals and corporations meet their long-term financial objectives by analyzing the client’s status and setting a program to achieve that client’s goals. Financial planners specialize in tax planning. asset allocation. risk management. retirement and/or estate planning .

Also referred to as a “Registered Financial Planner,” when the financial planner is registered with the Registered Financial Planner Institute (RFPI).

BREAKING DOWN ‘Financial Planner’

Interview at least three financial planners before choosing the one that’s right for you. Be sure to get the answers to the following questions:

1. What are your credentials?
2. Can you give me references?
3. What do you charge?
4. What is your area of expertise?
5. Will you act as my fiduciary?
6. What services can I expect?
7. How will we settle disputes?

The Certified Financial Planner (CFP) Board of Standards certifies financial planners. To check the status of a certified financial planner and for a guide to choosing the right person for you, visit the CFP Board of Standards website. Also, there are several associations to help you find a member in your area, including the Financial Planning Association (FPA) and the National Association of Financial Advisers (NAPFA).


Financial Planner- Personal Finance – Recipes, Printable Coupons #gogle #finance


#finance planner

#

Financial Planner- Personal Finance

A large part of getting finances in order is having a plan and closely tracking your spending. Try this monthly spending form from Get Buttoned Up!

And check out some of Erin s other favorite personal finance websites

  • LearnVest Daily newsletter that is packed with money-saving tips and financial how-tos to enrich your life.
  • Mint.com Awesome infographics that explain the ins and outs of personal finance.
  • Dave Ramsey Financial counselor that has helped millions get out of debt and find financial peace and freedom.

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3 Comments

Personal finance demand self discipline that isn t inspiried by speechs but strong mental strenght.

Gail Becker says:

Couldn t print. said no longer exist. Thank you for sharing this. I like what the person has to keep organiztion fun,too!


Career Planning Checklist: Middle School, online homework planner.#Online #homework #planner


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Career Planning Checklist: Middle School

Section Menu

Career Planning Checklist: Middle School

Here are a few things you can do as early as middle school to get started on a successful path to your future career. Don’t worry if you don’t yet know what that career is!

Be a good student and work hard to get good grades.

You may wonder how your grades in middle school can affect your future career path. Believe it or not, your grades count a lot. Grades are the only way colleges, employers, and others in positions of authority can objectively measure your performance.

Middle school is the perfect time to identify what kind of student you are and where there’s room for improvement. You may even want to talk to your teachers about ways you can better your grades. If you wait until high school, it will be too late.

There is simply no downside to getting good grades.

Develop good study habits.

Not only do good study habits lead to good grades, they provide the foundation for a lifetime of learning. After all, learning doesn’t stop when you finish high school or college

A good way to improve your study habits is to figure out how you learn best. For example, if you’re a visual learner, flash cards may help you study more effectively. And if you’re an auditory learner, it may help you to read your assignments out loud. Knowing how you learn will make it easier for you to absorb new information.

Good study habits will benefit you long after your school years end.

Do your homework.

Homework may seem like a hassle, especially when you’ve got so many other things on your plate, like soccer practice and marching band. But doing homework is part of your job as a student.

Homework is a great way to show that you can get things done without supervision. (When you’re part of the working world, many work-related responsibilities will seem no different from homework.) So get in to the habit of doing your homework and finishing it on time.

Read books, magazines, and online publications for fun.

Don’t limit learning to just your schoolwork. Reading in your free time, just for fun, will help you increase your vocabulary, reading comprehension, and reading speed.

Reading for fun also allows you to study topics that interest you but may not be taught in the classroom maybe skateboarding or gaming. Do some research on your own and stay up to date on what’s going on in that field. You never know when a hobby may turn into something more.

The more interests you have, the more opportunities you have.

Get involved in extracurricular activities.

When admissions counselors or employers review your application, your extracurricular activities sports, music, clubs give them a glimpse into your character. That’s because extracurricular activities require skills you won’t necessarily learn in class: teamwork, leadership, responsibility.

Such real-world skills contribute to the strength of your character. And the stronger your character, the more attractive you are as a potential candidate.

Extracurricular activities can help you strengthen your character.

Identify several career areas that may interest you.

Middle school is not too early to begin looking at some careers that may appeal to you. The earlier you can narrow down the field, the more time you have to explore your options and try them on for size.

Don’t know where to begin? First, think of some things you enjoy doing and then use our interactive tool to find careers that match your skills.

It is never too early to explore some career options.

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