Who Can You Trust With Your Financial Future?

In this current economic environment, you may be thinking you can’t trust anyone else with your money. You may think you’re better off handling your own finances. But with this frustrating turmoil, it is more important than ever to have an expert financial planner and investment manager on your side.

Fortunately, there is an entire organization whose members have committed as fiduciaries to keep only their clients’ best interests in mind when conducting their services.

The organization is called the National Association of Personal Financial Advisors, or NAPFA, and its group of focused members has signed a commitment to put their clients’ interests above their own. Among more than 30,000 professional Certified Financial Planners, only about 1,500 of them are willing to make the required commitment to become part of NAPFA. These are the professionals you need to look to when seeking investment management services. These are the professionals you should trust with your money.

“Brokers at many of the large national financial firms are essentially sales people, trying to earn commission by selling their clients the latest ‘product’ the firm is pushing,” says Martin Hopkins, president of Hopkins Investment Management and a long-time advocate for integrity within financial planning. “NAPFA members must meet certain qualification requirements, and we recognize that it is in our best interest to give our clients the best advice possible, in order to grow and succeed with them.”

NAPFA “fiduciaries” work as fee only, meaning they don’t receive commission, kick-backs, or benefit of any kind, seeking instead to focus solely on the best investment strategies for their clients. Income source is fully disclosed and is usually a percentage of assets managed, putting them on the same side of the table as their clients. Many of the brokerage firms, on the other hand, claim to operate as “fee-based,” but it is little more than a thinly veiled attempt to hide the fact that they can also earn commissions on the investments they recommend to clients. This attitude is exactly what has contributed to the slow implosion of the global financial world.

“Independent fiduciaries like those within NAPFA are not beholden to sales goals and demanding executives who see numbers, not people,” adds Hopkins. “We like to think of ourselves as professional counsel, personally working with our clients to provide an ongoing service that takes everything into account, from college and retirement planning to estate planning and beyond, with a holistic approach to managing and growing what each individual client has and currently earns, as well as any future earning potential.

It may be tempting right now to try to handle your financial planning on your own. But in order to succeed, it is far safer to have an expert on your side. The key is in finding someone you can trust with your money, and that is NAPFA’s sole purpose. It’s about putting you at ease with the assurance that you have placed your future in the hands of someone who knows how important … Read More

Sharia Law, Awake the Sleeping Giant – America?

As we walk through the primary schedule and move quickly toward selecting a Republican candidate to run against Barack Obama, what do we really need to find out about that candidate? Is it a stance on jobs, a position on immigration, national debt,  is it something much greater than these important and even threatening issues?

I say it is Sharia Finance and Sharia Law and I am not the only one. At least a few people are finally coming out and saying just that. Newt Gingrich, being the strongest voice in the wilderness, stated it in his address to the America Enterprise Institute in 2010 and again last week. When asked if he would support a Muslim for president he replied “A person who belonged to any kind of belief in Sharia, any kind of effort to impose that on the rest of us… would be a mortal threat.”

Frank Gaffney at the Center for Security Policy picked up on Newt’s stance and now calls for a federal legislation that would prevent any foreign law from being practiced in US courts. There already have been 27 cases in 23 states where Sharia law has been applied.

We have thousands of years of history of just how Islamic Sharia Law, initiated by a cultural jihad and triggered by Sharia finance, have turned countries across the Middle East, Africa and Asia from democracies to an absolute monarchy (Saudi Arabia) at best and tyrannical theocracy (Iran) at its worst form.

One only needs to look at Europe, and specifically England, to see just how this continues and at an accelerated pace. England has, in essence, given up its sovereignty by initiating Sharia finance, allowing two separate forms of banking and finance to bow to the Muslim pressure following cultural jihad (overwhelm the culture by population, thus forcing their agenda on the society). Now that the implementation of Sharia common law has been instituted, create complete Sharia zones or neighborhoods and allowing judgments to be made under Sharia Law versus English Common Law.

How does this happen? Like everything else it seems in life, follow the money. When a nation decides the vast oil wealth of Muslim nations is too great to dismiss, they sell their soul and their sovereignty. We are positioned for just that. All major US banks are now Sharia compliant and have been for more than a year; they sit waiting for the signal from the federal government to start issuing Sharia transactions. This will make the drug money the banks took in the 70’s and 80’s look like chump-change, and the hang-over for from this party doesn’t go  gets worse.

If all of this seems completely crazy, don’t feel bad; you’re part of the 99% of the nation that never heard of Sharia and that’s what needs to change. Wake Up America is making this a key topic in its content strategy and, along with people like Newt and Frank Gaffney with the Center for Security Policy, … Read More

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Personal Finance Writing Ideas From Money Grows On Hubs Contest Judge SVB Of The Digerati

FinanceIf you are an employer and you want to hire or sponsor a Babysitter or a Live-in Nanny or a Reside-in Caregiver from outdoors Canada (e.g. Philippines), this web site will show you the step by step procedure of what you want to do. You can either do the paper functions and application by yourself or by means of the solutions of a representative or live-in nanny employment agencies or consultants (be ready to pay the fees for their services, it is not low cost, they charge thousands of Canadian dollars).

We get in touch with the method of moving from manual tools to machines automation, and it appears in various types within each day monetary life. The ATM, for instance, is an automated version of the bank teller of old who would have to exert power to verify your account, hand you money, and alter your accounts. I use an interface to interact with this ATM, which gives me some form of manage, but only inside the inflexible rules of whatever it will let me to do. This actually requires energy on my part, so whilst the machine appears to ‘do issues for me’, the process also appears to be ‘self-service’.

I do not claim to estimate the socially-optimal size of finance” at eight.267% of GDP, so there…Right after all, if a bunch of academics could sit around our offices and determine which industries have been also massive,” which ones have been also tiny,” and close our papers with policy recommendations” to remedy the matter, central arranging would have worked. A small…modesty suggests we focus on documenting the distortions, not pronouncing on optimal business sizes. Documenting distortions has also been, historically, far much more productive than pronouncing on the optimal size of industries, optimal compensation of executives, international imbalances,” savings gluts,” excessive consumption,” or other outcomes.

Separately, ivansmi makes a good point about models. You need to have a model to reject EMH. But that only brings you so far. Let’s say we have a model of asset pricing that rejects EMH. Then the question is whether or not EMH or the model is wrong? That calls for another model. In brief, it’s in the end impossible to reject or accept EMH, unless of course you totally trust a provided model. But that brings us back to square one particular. Welcome to economics.

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