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IF YOU NEED HELP TO SELL YOUR REAL ESTATE PROPERTY IN SOUTH
FLORIDA; PLEASE CALL  ANTONY A PROFESSIONAL REALTOR. AT:  ---
F. Int. Realty
GRANTS: The US
Government and private
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MILLIONS IN GRANTS to
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Unfortunately the general public isn't aware of the various programs and millions of
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REAL ESTATE FINANCING: WHERE AND
HOW TO FIND MONEY TO INVEST IN
REAL ESTATE?

Combating Identity Theft: A Strategic
Plan ---Resources from the
government

Consumer information,  resources
and important tools about credit,
banking, finance, economy, ID-THEFT

FREE INFO: Contact List for Property
Appraisers in every county in the
state of Florida

Mortgage Foreclosure Resources For
Consumers From the Federal
Reserve System.

Federal Housing Administration {FHA}
Mortgage Loan Programs
Information Center. Help for
America's Homeowners! How to
make your home affordable?

National Foreclosure Mitigation
Counseling Program Service
Providers.
As home foreclosures continue to
rise across the state, Florida Housing
will provide the following foreclosure
prevention resources

FREE: Find Florida governments  
public records. State, County, and
Local goverment. SEARCH AND FIND
WHATEVER YOU WANT!

INVESTMENT: GENERAL KNOWLEDGE
AND FINANCING STRATEGY . HOW TO
INVEST  NOW AND GET RICHER LATER.

Home-buyers, homeowners
Information:
HUD Approved Housing Counseling
Agencies


Tips on Avoiding Foreclosures,
Delinquencies
and "Foreclosure Rescue" Scams

REAL ESTATE INVESTMENTS: WHY
INVESTING IN THE REAL ESTATE
MARKET TODAY IS A GOOD IDEA FOR
FIRST TIME HOME-BUYERS & FOR
EVERYBODY?

Federal Housing Administration,
Department of Housing and Urban
Development is helping with
foreclosure and with home
purchasing.

FREE SEARCH: Government may owed
you money. Start your free search for
money that might be due to you! ---
FREE: Go directly to a government
unclaimed property program by
clicking on a state, territory, or
province.

FREE: Government Benefits, Grants,
and Financial Aid
Need government help?
Get official information on grants,
loans, financial aid, and other
benefits from the U.S. Government.

Basic Finance: Learn the
basics of personal finance at
the U.S. Government's
My Money

Study basic finance at your
own pace with free,
Web-based lessons from the  
Fed Money Smart program.

Build better credit with
guidance
FREE: Find Government Grants, Apply
and Succeed!
KNOWLEDGEFINANCIAL.COM  is your
source to help FIND and APPLY for
federal government benefits and
grants.

FIRST TIME HOME- BUYERS;
OPPORTUNITY EXIST .
FIRST TIME HOME-BUYERS:  METHODS,
TECHNIQUES, AND STRATEGIES TO
SUCCEED -- THE MOST IMPORTANT
INFORMATION FOR FIRST TIME BUYERS

FREE: CREDIT REPORT. Get absolutely,
completely a free credit report from
all 3 credit bureaus.
Your Access to Free Credit Reports

FREE: Find Florida governments  
public records. State, County, and
Local goverment. SEARCH AND FIND
WHATEVER YOU WANT!

REAL ESTATE INVESTMENTS:
WHY INVESTING IN THE REAL ESTATE
MARKET TODAY IS A GOOD IDEA FOR
FIRST TIME HOME-BUYERS & FOR
EVERYBODY? ---

INSURANCE 101: THE IMPORTANCE OF
INSURANCE IN SOMEONE'S LIFE.
EVERYTHING YOU NEED TO KNOW
ABOUT INSURANCE NOW IS YOUR
CHANCE TO KNOW HOW TO SAVE
MONEY ON YOUR INSURANCE!
LEARN ABOUT THE 15 INSURANCE
POLICIES YOU DON'T NEED
GOVERNMENTS GENERAL INFORMATION
CENTER: MIAMI DADE COUNTY, BROWARD
COUNTY, MONROE COUNTY, PALM BEACH
COUNTY, STATE OF FLORIDA AND THE U.S.
FEDERAL GOVERNMENT.
You name it, You get it
You need it, You find
You want it, Search for it!
         
FREE CREDIT REPORT
Did you know that you have three credit
reports, and these credit reports are
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free report now!

CREDIT INFO: SAVE YOUR CREDIT, RESCUE
IT, PROTECT IT, INCREASE YOUR SCORE.
LEARN HOW TO FIX CREDIT RIGHT HERE,
RIGHT NOW !

FINANCIAL REPORT: REAL ESTATE
INVESTMENT SECRETS REVEALED. HOW
DOES OWNER FINANCING REALLY WORK?

CREDIT HELP: Do-it-Yourself Debt
Reduction. Six Smart Credit Card
Strategies. Understanding Your Debt
Collection Rights

BUILDING FINANCIAL FREEDOM
Ten Resolutions to Make Your Financial
Life Easier. EXECUTIVE METHODS AND
TECHNIQUES TO HELP YOU REALLY
OBTAIN THE ULTIMATE FINANCIAL
FREEDOM!

ID- THEFT: How to Protect Yourself
AGAINST IDENTITY THEFT:
You can take action to protect your
identity and your personal information.

Federal Housing Administration {FHA}
Mortgage Loan Programs Information
Center. --- Government's general
information; Local, State, and Federal.
Housing Finance Authority of Miami
dade, Monroe, Broward, and Palm Beach
County

Money Management: Ten Resolutions to
Make Your Financial Life Easier. 10 Ways
to Avoid Overdraft and Bounced Check
Fees

Credit cards: Have a questions about
credit cards? We have answers the top
ten most frequently asked credit card
questions. Six Smart Credit Card
Strategies. The Top 10 Credit Mistakes
to avoid!

FREE FINANCIAL ADVICE. WAYS TO SAVE
MONEY, TO MAKE MONEY, AND GET OUT
OF DEBT. THE SECRETS OF GETTING
AHEAD TO BUILD WEALTH

How to take steps to respond to and
recover from identity theft as soon as
you suspect it?

How to understand a mortgage
statement?

GOVERNMENT HOMES AND FORECLOSURE
PROPERTIES ARE AVAILABLE BELOW
MARKET VALUE!
SAVING: THE SECRETS OF SAVING; WAYS
TO SAVE A LOT OF MONEY AND GETTING
RICHER. 66 WAYS TO SAVE MONEY

HOW NOT TO PAY ANY FEES AND
INTERESTS ON YOUR CREDIT CARDS?
FREE RIDE. Credit Card Fraud: 21 Tips to
Protect Yourself! Although credit card
fraud is certainly on the rise -- and
credit card fraud on the Internet is
rising even more dramatically.
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on the rise -- and credit card fraud on
the Internet is rising even more
dramatically

Protection: How to protect yourself
against identity theft?

Billions of dollars have been lost. Could
some of it be yours?  UNCLAIMED
MONEY, UNCLAIMED PROPERTY, THE
FORGOTTEN TREASURE SEATING IN THE
HANDS OF THE STATES GOVERNMENT
COULD BE YOURS OR TO SOMEONE YOU
MAY KNOW!

Basic Finance: Learn the basics of
personal finance at the U.S.
government's
My Money

Study basic finance at your own
pace with free, Web-based
lessons from the  Fed Money
Smart program.
Build better credit with
guidance
45 Ways to Improve Your Finances this year
Whether you want to ramp up your earning power, finally start a retirement savings
account, or just stop feeling like you're wasting money

, now is the time to put together your New Year's resolutions. We've pulled together 45
ways you can improve your financial life in 2011, & 2012 based on the latest economic
research and interviews with financial experts. These ideas, which focus on spending,
saving, and earning, give you the tools for a complete financial makeover.
Goal-setting:
1. Decide on your big goals.
Do you want to have more money in your bank account? Take a five-star vacation? If you're having trouble
putting your finger on it, ask the people who know you best. Brainstorming with your significant other,
family members, and friends can help

shake loose your own thoughts.
2. Share those goals with other people.
Telling friends and family members about your plans will help you stick to them.
But you don't necessarily have to share your goals with people you know. At 43things.com, strangers list
goals such as "save 20 percent of what I earn" or "identify 100 things that make me happy (besides
money).

" The website MyLifeList.org can also help; after you make a list of your goals, you can share them with
others and give and receive encouragement.

3. Do a little every day.
Take small steps toward your big goals every day, even if it means spending 60 seconds checking

out a relevant website before bed. If you want to launch a small business, for example, small steps can
include purchasing your website name, interviewing Web designers, and reading a book or two on being
an entrepreneur.

The most successful savers profiled in Generation Earn started by automatically saving a small
percentage of their income; Nicole Mladic, a 31-year-old communications director in Chicago, couldn't
afford to put away a big chunk of her salary when she was in her mid-20s, so she started saving 2 percent.

A few months later, she raised it to 3 percent, then to 4 percent, and eventually she reached her goal of 10
percent. Today, her net worth is more than $90,000.


4. Take time to reflect.
Look back on 2010. What were your personal money highs and lows? What mistakes did you make and
what challenges did you face? What financial decisions are you most proud of?

Spending:
5. Get rid of junk mail.
The website catalogchoice.org lets retailers know which customers no longer want to receive their mail.
Participating companies agree to stop sending any more catalogs within three months.

Signing up with 41pounds.org halts junk mail. The Direct Marketing Association (the-dma.org) will let its
members know when people sign up to stop receiving direct-mail marketing offers.
Junk mail piles up over time, so these fixes can really make a difference in the long run. The
Environmental Protection Agency estimates that Americans receive four million tons of junk mail each
year, almost half of which is never even opened. In addition to saving paper, you'll prevent yourself from
spending needlessly by avoiding the temptations on those glossy pages.

6. Stop receiving E-mail sales alerts from your favorite retailers.
Electronic junk mail might not carry the same environmental impact, but it can still convince you to spend
money on items you don't need. Unsubscribe to retailer alerts to avoid the temptation.

7. Negotiate one big-ticket item each month.
Often, big-box stories and department stores offer some wiggle room on their posted prices, especially
when competitors offer a product for less. Before making any significant purchases, especially
electronics, comparison shop and be prepared to ask the store clerk if their company can give you a
better deal

8. Get familiar with comparison and coupon websites.
Websites such as PriceGrabber.com, BradsDeals.com, and Dealnews.com can help you pay less for items
you buy often as well as splurges. Get in the habit of checking these sites before buying anything online or
shopping in stores.


[In Pictures: 10 Ways to Save on Big-Ticket Items]
9. Budget by the year.
Research shows that budgeting by the year instead of the month makes it easier to stay within your
spending limits. That's partly because when we create an annual budget, we remember to take into
account occasional expenses such as gifts.

10. Keep a spending diary.
Even if you just track every dollar you spend for two weeks, it will open your eyes to where your money
goes and what you could cut back on. You might not realize that you spend $100 a week on lunches, or
that your taxi-cab habit is eating up half of your discretionary income.

11. Take advantage of your bank's free tools.
Banks are increasingly offering easy ways of tracking your spending online. If your bank offers a free tool,
use it to see where your money is going and where you can cut back.
Security:

12. Check up on your insurance.
Do you have the auto insurance, renters insurance, and life insurance that you need? According to Allstate
insurance, 2 in 3 renters skip insurance altogether, even though most people could benefit from the
protection and it's relatively cheap.
Life insurance is another awkward topic since no one wants to talk about death. But many people are
under-insured, which puts their families at risk. Review the insurance that you have and decide whether
you have the right amount.

13. Write a will.
Consider working with a professional to make sure your assets will go where you want them to upon
death; if you have any minor children, appointing a guardian is essential.
At the very least, explore some of the online sites that allow people to write their own wills, such as
buildawill.com and legacywriter.com, if you have a simple situation. (Financial experts say most people
benefit from working with a professional.)

14. Protect your privacy.
Whenever someone asks for your Social Security number, question if it's necessary to share it. Never
give it to a solicitor on the telephone or in an E-mail, and if you ever notice a suspicious charge on your
credit card, follow up with your card company—it could be the first sign of identity theft.
Saving:

15. Write down how much money you want to save by the end of the year.
As with your other goals, the simple act of writing it down will help keep that goal at the top of your mind
throughout the year.
16. Become a better cook.
Sometimes you have to spend money to save money. Nowhere is that truer than in the kitchen,
where investing in a few key pieces of hardware can help you cook better, faster, and cheaper.

And anything that makes your food taste better and gets it on the table quickly can lessen the
temptation to order budget-busting take-out. Consider investing in a slow cooker to make
meals even easier

17. Reduce your utility bills.
Making sure your home is properly insulated can save you money on heating and cooling costs.
Using a programmable thermostat so that the temperature automatically rises (in the summer)
and falls (in the winter) when no one is home during the day can yield annual savings of about
30 percent. While some 25 million households own programmable thermostats, only half
actually use them.

18. Use less energy.
Small changes, like closing doors to unused rooms or turning off the air conditioner during the
day, can make a serious dent in utility bills. So can unplugging appliances, turning off lights,
and shutting down computers at night. Even televisions can use power when they're turned off,
so unplugging them when they're not in use saves energy. A $30 power strip, called the Smart
Strip, automatically cuts power to devices that don't need it when they're off, such as a DVD
player, while maintaining power to those that do, such as a cable box.

19. Use fewer products.
Instead of lathering up with soap, shaving cream, shower gel, and body scrub, Diane
MacEachern, author of Big Green Purse, suggests cutting back to just a handful of products.

"Put everything you use in one day on the counter and it will blow your mind. Pick a day where
you just brush your teeth and your hair and forget about the rest," she says. In addition to
creating less waste, the change will lower your monthly drugstore bills, because you won't be
buying all of those unnecessary lotions and creams. You can save up to $200 a year.

20. Start making cleaning supplies from scratch.
Even Martha Stewart endorses this technique. A bowl of vinegar or simmering lemon rinds can
absorb smells just as well as manufactured air freshener. Scrubs made of baking soda and
water make kitchens sparkle just like chemical-laden cleaners. The Internet contains
hundreds of do-it-yourself recipes; Jennifer Taggart's thesmartmama.com can get you started.

21. Find inspiration online.
There are hundreds of personal finance blogs and websites; find the ones that speak to you
and visit them regularly to help keep you on track. Popular options include Wise Bread, The
Simple Dollar, and Centsible Life.

22. Give yourself a stress test.
How vulnerable are you to sudden job loss or unexpected expenses? Do you have an
emergency fund? If not, start building one. You should have at least three months' worth of
living expenses in your bank account.

23. Work with family members.
Sometimes, family members can help each other save more money by working together. Adult
children are increasingly living with their parents, for example, but this arrangement doesn't
have to be a burden if the adult children contribute to household costs or pay rent. You can also
help out by gardening, doing housework, or sharing your computer skills.
[See top-rated mutual funds funds by category ranked by U.S. News Score.]
Investing:

24. Decide what type of investor you want to be.
If you're like most people, you probably want to skip stock-picking and put your money in low-
cost index funds instead. Create a diversified portfolio, with longer-term savings in more
aggressive investments (such as an index fund that tracks the S&P 500) and shorter-term
savings in safer spots such as money


25. Begin investing today.
Waiting to start a retirement account until you feel like you can afford it might mean that you
can never retire. Don't put off opening a 401(k) account if your employer offers it, even if you
start by contributing just 2 percent of your salary.

Soon, you can raise that percentage to 4 percent, and eventually to 10 percent or higher. For
extra motivation, plug your numbers into a retirement calculator on Bankrate.com, and see
how much you need to fund your golden years—it's probably much more than $1 million.

26. Ignore the market (for the most part).
Focusing too much on the ups and downs of the market just causes stress. When the market's
plunging, instead focus on your hobbies, family, and getting outside. Avoid cable television
news, which often treats every dip in the market like a major crash. If your investments are
well-diversified, you've done all you can.
Debt:
27. Pay off your expensive debt, even student loans.
Student loans that carry a 5 or 6 percent interest rate (or higher) are costing you much more
than your savings can earn in this current low-interest rate environment. Paying off a chunk of
your student loans will immediately start saving you more money than you could if you continue
to make those slow-and-steady monthly payments.

Of course, not everyone has the cash to pay off a large portion of their loans, and it will
probably take five-plus years after graduation to get to the point when you can even consider it.
But once you have a healthy bank account, don't wait too long to start paying off big chunks of
those more-expensive student loans.

28. Choose the best credit card for you.
If you pay your balance off each month, you should have a card that gives you rewards points. If
you carry debt, just focus on getting the card with the lowest interest rate. Most people have
multiple cards that aren't suited to their needs. Pick the one that fits you best and stop using
the other ones. Don't close them, though, because that can hurt your credit score.

29. Improve your credit score.
The easiest way to do this is by making steady, on-time payments every month and otherwise
keeping your accounts in good standing. Get your free credit report once a year at
annualcreditreport.com to check for any mistakes (and fix them).

30. Make a plan for paying off high-interest rate debt.
If you carry any credit card debt, auto loans, or high-interest student loans, it's time to come up
with a plan for paying them off. With interest rates on savings account so low, it often makes
more sense to unload your expensive debt rather than continuing to make interest payments.
Retirement:
31. Run some numbers.
Most people fail to calculate exactly how much they're on track to save, or how much they'll
need, in retirement. Check out the retirement calculators available

through your financial institution (Fidelity, T.D. Ameritrade, Transamerica, and T. Rowe Price
have them, among others) or use free calculators from Bankrate.com. Experiment with
different rates of returns, inflation rates, tax rates, and lifetime expectancy, since no one can
predict those factors with any accuracy

32. Ramp up your retirement savings by a few
percentage points.
Those calculations might convince you that you need to start saving more. To keep anxiety
(and a major budget crunch) at bay, increase your savings in small increments.
Start by upping your retirement account contribution 2 percent, and see if you can add another
2 percent in six months. Most people need to save about 15 percent of their salaries to be on
track for a healthy retirement.

33. Consider opening up new tax-advantaged accounts.
Make sure you know what tax-advantaged accounts are available to you. If you're currently not
working, you might be eligible for a spousal IRA or Roth IRA.

If you work full-time and have access to a 401(k), make sure you're taking full advantage of it. If
your employer offers the relatively new Roth 401(k), which lets workers invest post-tax dollars
into an account that will not be taxed again in the future, you might want to consider doing so.
[Visit the U.S. News Retirement site for more planning ideas and advice.]

34. Rebalance your retirement investments. If your investments
have been battered by the stock market swings—and whose hasn't—it might be time to
rebalance. For a quick evaluation, subtract your age from 100.
That's roughly the percentage of your funds you should have in stocks, with the rest in more
conservative investments such as bonds. If you're 40, that means you should have about 60
percent in stocks and 40 percent on bonds.

35. Check in with the Social Security Administration.
Every year, wage earners receive a statement from the Social Security Administration, which
provides a useful estimate of your future monthly benefits. It will help you determine how much
you'll need to supplement with your own savings.

Earning:

36. Invest in your career—even when you're being frugal
everywhere else.
Investing in a career coach or development course can help you snag a promotion, get
"unstuck" from a career rut, or transition into your dream job. The price of one-on-one
coaching typically starts at about $200 an hour, but less formal advice can come from meeting
with more experienced colleagues over lunch or coffee.

37. Start earning extra money on the side.
Many people don't realize they have valuable skills that other people are willing to pay for, such
as a second language or even craft skills.
To get ideas for how to earn extra money, check out the services section on Craigslist and see
what people are advertising—editing, gardening, and event planning.

Earning just a few hundred dollars a month can help get you back on your feet, plus you'll get
valuable job experience and the possible start of a successful small business that you can
continue to grow.

38. Launch your own business.
Have you always dreamed of being your own boss? Make this the year you start taking small
steps toward that goal. Decide what you can sell, buy your website address, and consider
taking on a few clients

39. Use social media tools to boost your career.
Making connections on Twitter, Facebook, and LinkedIn can enhance your overall profile in
your field and strengthen connections that will come in handy when you're job-hunting. Many
people err by not fleshing out their profile information on their social network accounts; start
by adding more information about yourself, along with a photo.

40. Develop a back-up plan.
In today's economy, no job is 100-percent secure. Create a list of steps you would take if you
were to lose your job, even though you hope never to have to use it. Having a Plan B can give
you peace of mind as well as a practical "to-do" list if you ever face the shock of an
unexpected job loss.

41. Schedule creative time for yourself.
Boost your productivity with scheduled downtime, in which you give yourself the freedom to
brainstorm about new ideas and possibilities for yourself and your career. Todd Henry, founder
of the Accidental Creative, suggests blocking out a regular time period and reading material
that you wouldn't normally look at, such as an engineering magazine or copy of Vogue.

42. Consider asking for a raise.
If it's been a while since you've seen an increase in your paycheck, it might be a good time to
make an argument to your boss for why you deserve a raise. Put the reasons in writing and run
the request by a friend to make sure it's as strong as possible. Of course, if your industry or
company is experiencing especially difficult times, you might want to put that request on hold
until business picks up again.

43. Free up your time and energy by outsourcing chores.
Think of money spent on a cleaning service or grocery delivery as an investment in your
career, because these things free up more time (and energy) for you to focus on your day (or
night) job.
Giving:

44. Talk with parents and siblings about any support
you expect to give to them.
Giving doesn't relate only to charities; many people also support their aging parents and needy
siblings. Make sure you understand what your parents or siblings expect from you, if anything,
and that you can afford to provide them the support that they need. If you can't, talk with them
about your limits and potential nonmonetary ways that you can assist them.

45. Choose a cause that you believe in.
Many of us give haphazardly throughout the year, donating $30 for a friend's walkathon and
$100 at a school auction. Instead, put some thought into the causes you'd like to support this
year. Read a book or two to further educate yourself.

For example, if you believe in ending world water shortages, then you might want to read When
the Rivers Run Dry: Water—The Defining Crisis of the Twenty-first Century. If your passion is
addressing poverty, then you might want to check out When Helping Hurts: Alleviating Poverty
Without Hurting the Poor. . .and Yourself. Then, figure out what you can do to help


46. Learn everything you can about your chosen cause.
Bill Gates shared this advice for would-be philanthropists with the New York Times: "The key
thing is to pick a cause, whether it's crops or diseases or great high schools ... Pick one, and
get some more in-depth knowledge" by traveling, reading, or volunteering. Studying up on your
cause doesn't need to cost much money, but it will make you a more informed—and more
effective—giver
ATTENTION SELLERS:

LET US HELP YOU SELLING
YOUR PROPERTY.

WITH US: IS MORE
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CALL:   --- SOUTH FLORIDA.   
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Selling Your Real Estate in
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Expose Your Property to The
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CALL ANTHONY AT:
Top Ten Tips For Success
KNOWLEDGEFINANCIAL.COM

Posted by ANTONY
Professional  Investor,
Realtor,
INSURANCE REPRESENTATIVE,
Mortgage Broker.


One of the requests I receive the
most is for a list of the top ten tips
for success. Here’s a list that
addresses students as well as
professionals:

1. Be focused. Put everything you’ve
got into what you do every day.

2. Believe in yourself. If you don’t, no
one else will.

3. Be tenacious.
4. Trust your instincts.

5. Maintain your momentum and
keep everyone moving forward
See yourself as victorious and
leading a winning team.

6. Be passionate about what you do.

7. Live on the edge.

8. Do not become complacent.

9. Leadership is not a group effort. If
you’re in charge, then be in charge.
Never give up!


10. Wealth Creation:
Learn How the Millionaires Do It

KNOWLEDGEFINANCIAL.COM
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Banking and Finance Careers: Information...

Learn about the education and preparation needed to have a career in the banking and finance
industry. Get a quick view of the requirements as well as details about training, job duties...
Search Finance And Banking Jobs!
Essential Information..
The banking and finance industries include
a wide variety of careers, including positions
in asset management, loan processing and
financial planning. The required level of
education will vary


The personal financial advisor
occupation is one of the fastest growing in
the United States right now. People look to
these professionals to help them invest or
save for retirement.
The services of investment bankers and
loan officers are also expected to be in
demand
Investment Banker...
Investment bankers are financial professionals
that assist various organizations, like
governments and corporations, with the raising
of funds by issuing stocks and bonds, IPO's etc.

Employment for investment bankers can be
found with brokerage firms, investment banks
and other financial services companies.

Education Requirements
According to the U.S. Bureau of Labor Statistics
(BLS), a bachelor's degree is the minimum level
of education required for employment as an
investment banker, but some people have only
just an highschool  diploma.
WHO DO YOU KNOW?

people can pursue a career as an investment
banker after earning a bachelor's degree in any
field; however, finance, accounting, mathematic,
economic or business administration majors are
preferred.
Loan Officer
Loan officers are employed in the banking
industry and are responsible for screening
and approving applications to borrow funds
for mortgages, car notes and other loans.

Jobs for loan officers can be found at banks
and certain financial services firms.

Education Requirements
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positions will probably need a bachelor's
degree in a business related field. Not
necessary for everyone!
WHO DO YOU KNOW?

A graduate-level degree, like a Master of
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employment opportunities and lead to
management positions.

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Some employers might require loan officers
in specific fields to complete training
courses or certification.
Financial Consultant /
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A financial consultant, or financial advisor,
is knowledgeable about a range of
financial services, such as asset
management and retirement planning.

Most financial consultants often specialize
in specific areas of financial services, like
managing personal assets.

Education Requirements

There is no minimum level of education
necessary for becoming a financial
consultant but most have a bachelor's
degree.  Some people don't even have
highschool diploma..

Without undergraduate education, aspiring
financial consultants will need to have
substantial work experience as a business
owner or salesperson.

Like many working in the banking and
finance industries, financial consultants
often come from business-based academic
backgrounds.
Banking And Finance Industry:
In general, banking and finance positions are
growing at a rate that meets or exceeds the
national average for all occupations.

However, there is still strong competition for
certain occupations, such as sales agents for
securities, commodities, and financial services.

Financial advisors are a bit of an exception, in that
their salaries are high, but employment
opportunities remain quite favorable.
==========

''The Financial Industry Doesn't
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Financial Services Industry
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This is not an exhaustive list, but
the financial services industry
encompasses companies in one or
more of the following lines of
business:

  Banking
  Insurance

  Securities Brokerage (or Financial
Advisory Services)

  Investment Banking
  Securities Trading

  Investment Management (or
Money Management)

  Securities Analysis
  Financial Planning